Mortgage Wise with Mike Wise

About Mortgage Wise with Mike Wise

Join Mike Wise, a seasoned mortgage expert, on "Mortgage Wise with Mike Wise," your go-to podcast for navigating the world of real estate financing. Whether you're a first-time homebuyer, seasoned investor, or industry professional, Mike covers everything you need to know. From in-depth discussions on various loan types and understanding market trends to timely updates on interest rates and their economic and political drivers, Mike keeps you informed and empowered in today's dynamic real estate landscape. Stay tuned for expert insights and practical advice that can make a difference in your financial decisions. Follow along at http://www.mortgagewisewithmikewise.com

Publisher

Mike Wise

Category

business · business

Language

en

Explicit

No

First episode

17 Jul 2024

Latest episode

22 Jul 2026

Latest episodes

48 episodes in the feed.

1. 

   22 Jul 2026

   Mikey Taylor: Skateboarder-Turned-Mayor On Housing, Downtown T.O. Growth, And Keeping The City Safe :: Ep 29 Mortage Wise with Mike Wise

   The real estate market isn’t just about prices and rates—it’s about policy, infrastructure, and how cities respond to massive state and federal pressure. In this episode, former pro skateboarder and current Thousand Oaks mayor Mikey Taylor sits down with Mike to unpack how housing laws, downtown redevelopment, and city budgeting are reshaping Thousand Oaks and the Conejo Valley. From the controversial seven‑story downtown project to ADUs, senior housing, mixed‑use developments, and what “affordable housing” really means under California law, Mikey explains how local leaders are trying to keep Thousand Oaks safe, livable, and economically competitive—without losing its small‑town feel. If you’re a realtor, lender, investor, or homeowner, this conversation gives you rare “inside the room” context on what’s coming next. Timed Highlights: 00:00 – Intro: Mortgage Wise with Mike Wise opens the show 00:20 – Meet Mikey Taylor: pro skater, investor, and mayor of Thousand Oaks 00:58 – Life on tour, Paris stories, and five kids later 01:59 – From brewery founder to co-president of Commune Capital 02:39 – The “seven stories in Thousand Oaks” controversy explained 04:13 – Builder’s Remedy: how state housing law overrides local control 05:22 – Why T.O. must add 2,600 new units and why the 101 corridor matters 06:32 – Matching the Civic Arts Plaza parking structure height and optics 07:33 – Can seven‑story buildings spread citywide in the future? 08:31 – Who builds the project and how the RFP/RFQ process will work 09:21 – What downtown could look like: park, splash pad, amphitheater, food hall 10:48 – Business incubator vision: keeping youth and startups in Thousand Oaks 12:17 – All‑in‑one mortgage explainer (principal-first “checking + mortgage” concept) 15:37 – Will the city subsidize developers? TIF bonds and future financing 17:53 – Traffic, parking, and environmental impact reports for new projects 19:41 – Population actually falling while traffic still feels worse 21:00 – Who’s leaving T.O. and why ages 25–50 matter so much 22:00 – Rentals vs. for‑sale units and the struggle to build ownership options 24:06 – Where new for‑sale homes may be built in Newbury Park 24:13 – Key development sites: Kmart, Sanctuary, Amgen corner and more 25:39 – State and federal pressure for affordable and mixed‑use projects 25:39 – What “affordable housing” legally means vs. what residents think it means 28:45 – Density bonuses and why 10% affordable became the local threshold 29:36 – Why “affordable” rents can still be $2,300–$2,500 a month 31:33 – Are these new units for local workers or commuters? 33:14 – Employers’ challenge: hiring when workers can’t afford to live nearby 34:00 – ADUs and why the mayor is more worried about them than big multifamily 35:30 – “Open season” on ADUs and the impact on single‑family neighborhoods 37:07 – Thousand Oaks Mall and Janss Mall: what’s next for struggling retail 39:20 – Analog is back: why younger generations want in‑person experiences 41:04 – “There’s nothing to do here”: sports complexes, Liberty Station, and ideas 43:16 – Food halls, restaurants, and making downtown attractive to young families 43:38 – Newbury Park: roads, aesthetics, overhead wires, and possible facelifts 45:30 – Potential utility undergrounding and working with Edison 47:04 – Jobs, commutes, and why diversification beyond Amgen matters 49:07 – How businesses decide whether a city council is “investable” 49:28 – Why Mikey ran for office and what four years in office have changed 50:49 – Homelessness strategy: shelter first, treatment, and a 46% reduction 52:49 – Crime at historic lows and why safety is non‑negotiable 53:44 – Re‑election, family sacrifice, and what’s next politically 53:58 – Staying a top‑10 safest city while adding thousands of units 55:22 – Partnering with CLU and Hub 101 for entrepreneurship and jobs 58:20 – How new rentals might (or might not) affect single‑family prices 59:02 – City budget, surplus, and why Thousand Oaks runs very lean 59:34 – Who actually runs the Civic Arts Plaza and how it’s structured 59:57 – Caltrans, freeways, and what the city can and can’t control 1:00:25 – Residents ask: any “fun” things coming? Cool restaurants, sushi, chefs 1:02:00 – The missing rungs: starter housing and senior housing gaps 1:03:33 – Converting struggling retail to living units over time 1:04:10 – Mixed‑use challenge: multifamily operators aren’t always good at retail 1:05:01 – Waiving fees? Land sales vs land leases and getting deals to pencil 1:06:44 – How much city cash is earmarked for the project and what comes next 1:08:10 – Why the city avoids debt and keeps taxes at the floor 1:09:08 – The decline of neighborhood centers and the rise of walkable mixed‑use 1:11:34 – Government’s role in pricing vs letting the market correct 1:12:12 – Light‑hearted close: will the mayor do a skateboard trick?

2. 

   26 Jun 2026

   How Top Agents Negotiate: Winning Deals in a “Weird” Market w/Katie Connelly :: Ep 28 Mortgage Wise with Mike Wise

   The real estate market is “weird” right now – higher rates, high prices, and buyers and sellers stuck on the sidelines. In this episode, Mike Wise sits down with Ventura County Realtor of the Year and Real Estate Negotiation Expert, Katie Connelly, to unpack how smart agents are still winning great deals. Katie shares what she learned managing 200+ agents, how her military relocation and VA loan expertise helps service members build long-term wealth, and why negotiation is really about personality, tactical empathy, and structure – not just price. Mike also breaks down the “all-in-one” mortgage strategy that can shave years off a home loan and save hundreds of thousands in interest. If you’re a buyer, seller, or agent trying to navigate today’s market, this conversation gives you practical, real-world tactics you can use right now. Timed highlights: - 0:36 How Katie got started in real estate (and 10+ years in the business) - 1:36 Managing 200+ agents at a major brokerage - 2:09 Why Katie went back to full-time sales - 2:52 What top-producing agents do differently from “hobby” agents - 3:58 Breaking six figures during Covid while parenting - 4:41 Do certifications really matter to clients? - 5:08 Katie’s key designations explained (ABR, SRS, RENE, military relocation, forms) - 5:46 Serving military buyers and sellers in Ventura County - 6:38 Why VA loans are so powerful – and safer than people think - 7:42 Biggest risk with 100% financing (and relocations) - 8:03 Negotiation: lessons from “Never Split the Difference” - 8:50 Reading personalities and adapting your negotiation style - 9:23 Katie’s golden rule: “Both sides give more than they’re comfortable with” - 10:08 How Katie handles sellers who want above-market pricing - 10:49 Checks and balances: buyers, banks, appraisers and sellers - 11:28 Biggest mistake agents make at listing appointments (and commissions) - 11:56 The Walmart vs. Nordstrom analogy for agent value - 12:19 Using negotiation credentials as a listing advantage - 12:44 Standing firm vs. caving: what it signals to sellers - 13:05 Why Katie loves working with buyers and first-timers - 13:41 “No” is not the end of negotiations (inspection, as-is, concessions) - 14:13 How buyers use inspections to decide whether to walk away - 14:56 Emotional buyers, leverage, and not showing your hand - 15:29 Local hot-button negotiating issues in Ventura County (repairs, ordinances) - 16:05 Sewer laterals, AB-38 and wildfire hardening requirements - 16:10 Why experience and deep forms knowledge really matter - 17:23 1,800 forms and almost being “part attorney, part advisor” - 17:51 Where AI helps – and where it can seriously mislead clients - 18:27 Why you still need a human fiduciary, not just ChatGPT and Google - 19:06 How Katie uses AI (and why she still fact-checks everything) - 19:12 Explaining principal-first and the all-in-one mortgage - 20:22 How traditional 30-year loans front-load interest - 22:48 Funniest/strangest things Katie has seen in homes (guns, tarps and more) - 24:36 Sellers’ top objections to listing right now - 25:07 Interest rates vs. bidding wars: which is really worse? - 25:54 Why buyers actually have more options now - 26:26 Why rates probably aren’t dropping dramatically anytime soon - 27:07 Using seller credits to buy down rates instead of “waiting for later” - 27:38 Rent-control ordinances and why rents still keep rising - 28:09 30-year fixed as an “inflation buster” vs. rent increases - 28:41 Refinancing wins: lowering payments and “giving yourself a raise” - 29:22 Stretching to buy in California – and why it often pays off - 29:33 Lifestyle changes, raises, inheritances and long-term affordability - 29:51 Sellers stuck because of ultra-low rates – and how to move anyway - 30:19 Trading a big house for better quality of life (and using equity) - 31:43 How structure and creativity in lending can change the whole picture - 32:38 Why some listings fly and others sit for 60–90 days - 33:03 What’s selling now: move-in ready homes vs. projects and condos - 33:32 Investor behavior and buying “right” in this cycle - 33:50 NAR chief economist Lawrence Yun’s price projections - 34:36 Could median Ventura County prices hit $2M by 2050? - 35:06 Experiences vs. ownership: how younger buyers think - 35:52 Early 20s homebuyers and the return of the mall - 36:36 Starter homes in your 20s vs. lifestyle homes in your 40s - 37:23 Remote work, geography and moving to more affordable markets - 38:03 Introducing the All-In-One Loan concept - 38:17 How pairing a line of credit with your checking pays down principal faster - 40:42 Common borrower objections and why this loan is so different - 40:56 25 years of performance: no delinquencies, no foreclosures - 41:41 Why the 30-year fixed was created in the first place - 42:43 How banks make most of their money in the first 10–15 years - 43:11 Savvy borrowers, creative thinking and smarter structures - 43:26 Final takeaway: why your team (lender + agent) matters so much - 44:14 Where to find Katie online - 44:44 Outro: Mortgage Wise with Mike Wise Tags / hashtags: mortgage wise, mike wise, katie connelly, ventura county real estate, VA loans, military relocation, real estate negotiation, real estate tips, home buying tips, home selling tips, all in one loan, creative financing, real estate investing, california real estate, high interest rates, first time home buyer, real estate market 2026, mortgage strategies, refinance, negotiation skills Hashtags: #MortgageWise #RealEstatePodcast #KatieConnelly #VALoans #HomeBuyingTips #HomeSellingTips #RealEstateNegotiation #VenturaCounty #CreativeFinancing #AllInOneLoan #RealEstateAgent #MortgageTips --- Would you like 2–3 alternate sets of highlight timestamps focused specifically on: (1) negotiation tactics, or (2) VA/military and loan strategy segments for use as shorts/reels?

3. 

   9 Jun 2026

   Mortgage Lock-In, Housing Shortage & Smart Debt: Mayor Mikey Taylor on Real Estate Reality

   Mayor of Thousand Oaks and real estate investor Mikey Taylor joins Mortgage Wise with Mike Wise to break down what’s really happening in today’s housing market. From California’s aggressive housing mandates and the “builder’s remedy” to interest rate whiplash, the lock-in effect, and why younger generations view homeownership differently, this episode digs into the emotional and financial side of real estate decisions. They also unpack financial freedom, passive income, and why treating your home as an investment can backfire emotionally. In the final segment, Mike walks through the All-In-One loan strategy that turns your mortgage into a flexible line of credit, giving investors more control over equity and cash flow. Perfect for homeowners, first-time buyers, investors, and anyone trying to make sense of housing, rates, and long-term wealth building. Timed Highlights: 00:21 – Meet Mayor Mikey Taylor of Thousand Oaks 01:09 – How the mayor role works and why it’s so demanding 02:08 – What Commune Capital does for passive real estate investors 02:49 – Why 1031 exchanges are tough with ground-up development 04:08 – State housing mandates, builder’s remedy, and loss of local control 05:50 – Where do you put 3,000 new units in a built-out city? 06:22 – New developments, traffic concerns, and ADUs 08:06 – Population decline in Thousand Oaks and 25-year growth outlook 09:17 – Pivot to interest rates, inflation, oil, and geopolitical conflict 11:08 – Will rates actually come down in the next 6–12 months? 11:41 – Monetary policy, money printing, and “short-lived” inflation shocks 12:00 – Glenn Beck’s “cancer and chemo” analogy for the economy 13:01 – The real problem: prices vs. rates and lack of a housing reset 14:04 – The lock-in effect: why nobody wants to give up a 2–3% mortgage 15:05 – Structural lack of housing supply and decades of underbuilding 16:25 – Population growth vs. housing growth: the basic math 17:14 – Austin, overbuilding, and why different markets behave differently 17:33 – Record home equity and why this isn’t 2008 18:00 – History of the 30-year fixed mortgage and global comparisons 18:32 – Should the U.S. move to 5- or 7-year loans? 18:43 – What the Fed got wrong with 0% rates and cheap money 20:07 – What is a “healthy” mortgage rate? Mikey’s target range 21:22 – If rates drop, do prices have to go up? Mikey’s contrarian take 22:49 – Long-term housing appreciation and why this cycle is different 23:21 – How younger buyers think: rent vs own vs invest 24:41 – Freedom, flexibility, and why some prefer renting and investing 25:45 – Living with parents, affordability pressure, and trade-offs 26:07 – The math of owning vs renting in Southern California 27:27 – Why California behaves differently than the rest of the country 28:33 – Regulation, land constraints, and investor hesitation in CA 29:24 – Landlord headaches, regulation, and short-term rentals 30:01 – Generational attitudes: home as dream vs home as burden 32:11 – Is your home an investment or just a home? The emotional trap 33:52 – When remodeling math kills joy: the wrong calculation 34:23 – Why so much net worth is trapped in home equity 35:35 – The problem with “house + 401(k)” as your only plan 36:16 – Redefining financial freedom and passive income 37:31 – Using your job to buy assets that pay you 38:23 – Why paying off your mortgage isn’t always the best move 39:02 – Sacrifice vs lifestyle: young people and investing early 39:13 – Trump accounts for kids and how to use them wisely 40:00 – Compound growth, options, and planning for your kids’ future 40:43 – Break: explainer on the All-In-One loan concept 44:33 – Back from break: how the All-In-One loan actually works 45:06 – Why Mikey likes the flexibility of the All-In-One structure 46:08 – Using cheap debt vs tying up cash in your home 47:25 – The spread: borrowing costs vs returns from investments 48:33 – Killing “lazy money” and making idle cash work 48:58 – How investors use the All-In-One loan on rentals 49:08 – Why investors value options and flexibility above all 49:40 – Unlocking equity up to 80% and redeploying capital 50:02 – Mikey’s final months as mayor and his re-election campaign 50:31 – Support from realtors and community relationships 50:48 – Closing thoughts and invitation to invest with Commune Capital

Podcast Authority Score: 12 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

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24

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0

YouTube

0

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0

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