Real Estate from the Rooftops

About Real Estate from the Rooftops

The place to find real estate news that matters. There *might* be some opinions, but they're coming from a Realtor® and broker who is active in both the day-to-day operation of the business and political advocacy as well. Unfiltered and with source links so you can do your own research. Your one-stop shop for real estate related news.

Publisher

Leigh Brown

Category

business · news

Language

en

Explicit

No

First episode

28 Oct 2020

Latest episode

5 Apr 2022

Latest episodes

18 episodes in the feed.

1. 

   5 Apr 2022

   Building Strong Communities and Home Care for The Elderly with Therese Southwell

   This episode will surely open your eyes and provide you with a great perspective on the future of senior care. Join us as we pick Therese Southwell’s brain on the specifics of creating residential elderly spaces, including architectural, regulatory, and logistical considerations. Learn more about how you can be part of this advocacy by tuning in! Key takeaways to listen for What does the Fair Housing Act states in relation to residential homes for senior citizens? Steps to follow to make community residential facilities possible Planning process for creating group homes for elderly How much space should be designed for an elderly home? Effective strategies to educate the neighborhood and the public regarding the de-institutionalization of elderly care Resources mentioned in this episode Fair Housing Act Fair Housing Month About Therese Farrow Southwell Therese Southwell is the co-owner of Rosette Residential Senior Living. Senior care has always been near to Therese’s heart.  Her father worked in a nursing home in Chester County where she enjoyed spending time with residents as a child.  Her father eventually opened a visiting-nurse service that he operated while also caring for family members in their home. As an adult, Therese would eventually care for her beloved Aunt Kay for many years.  Though most of her professional career has been in real estate finance, she is also a licensed Personal Care Home Administrator. Therese looks forward to combining both disciplines with her lifelong love of seniors to continue making Rosette the premier senior home on the mainline. Connect with Therese Website: Rosette Residential Senior Living Email: Theresesouthwell@icloud.com Connect with Leigh Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on YouTube and Rumble (https://rumble.com/c/c-580597)—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com. Click Here to Subscribe to Leigh's other podcast Crazy Sh*t in Real Estate!

2. 

   22 Mar 2022

   Make Extra Cash in Real Estate?

   You may be receiving email solicitations as a Realtor®, offering you a chance to earn some extra side hustle money helping desktop appraisals. Before you say yes, here's what you need to consider. We openly discuss the liabilities, landmines, and pitfalls that impact smart Realtors® everywhere to protect the best independent appraisers among us - many of them are Realtors®, too. Key takeaways to listen for Why is there so much liability with the desktop appraisal programs? Possible pitfalls to watch out for when a property is being appraised What are the steps to follow before starting a real estate business? The value of appraisers in real estate Resources mentioned in this episode Asteroom Matterport Errors & Omissions (E & O) YouTube Link: https://youtu.be/EXtx9AupQBs Connect with Leigh Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on YouTube and Rumble (https://rumble.com/c/c-580597)—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com. Click Here to Subscribe to Leigh's other podcast Crazy Sh*t in Real Estate!

3. 

   27 Dec 2021

   All Things VA: How to Help Veterans Get Their Homes with James Heaslet

   Today, we have an extra special episode since the Chief Appraiser from the Veteran Administration James Heaslet is here to share the information that REALTORS need to take proper care of their veterans. Dial in to learn the importance of good communication between agents, appraisers, and lenders to help veterans get their homes and the best ways to identify military markets. Key takeaways to listen for A solid way to start your appraisal adjustment How to manage the timelines of VA loans and appraisals 7 tips for communicating with appraisers efficiently One thing REALTORS need to know about VA loans What REALTORS can do to help veterans in financial distress Resources mentioned in this episode Veterans Benefits Administration (https://benefits.va.gov/benefits/) About James Heaslet James Heaslet is the Chief Appraiser for the Department of Veterans Affairs. As a retired Gunnery Sergeant of the U.S. Marines, he has an aggressive track in the Appraisal industry. James has just 10 years as an appraiser, he was appointed to the Arizona State Board of Appraisals by the Governor and served for 6 years. He had served as Chairperson of application, personnel and was Vice Chair of the board. Adjudicated over 2500 cases est., both residential and commercial.  During this time, he maintained his business as an independent Fee Appraiser, and earned his Executive Masters in Business Administration (MBA) degree from the University of Arizona. James now oversees an appraisal panel with over 6500 Appraisers Nationwide, and over 6000 Staff Appraisal Reviewers. While serving on the Appraisal Board, took Level I and II Investigator training, and is a member of the Mortgage Fraud Task Force overseen by the FBI. James is also an associate member of the Certified Fraud Examiners Association. Volunteers as an Assistant Scoutmaster with the Boy Scouts of America. Connect with James LinkedIn: James Heaslet MBA Connect with Leigh Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on YouTube and Rumble (https://rumble.com/c/c-580597)—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com. Click Here to Subscribe to Leigh's other podcast Crazy Sh*t in Real Estate!

4. 

   6 Aug 2021

   Protecting Property Rights and Home Ownership with Stacey Johnson-Cosby

   Local, State and Federal laws are changing rapidly, especially with the impact of the global pandemic. Protecting our rental housing industry needs to be a priority. Listen to this episode with Stacey Johnson-Cosby and learn the devastating long-term effects of extended eviction moratoriums and how to protect your hard-earned legacy while serving your community and its people. Key takeaways to listen for Why the eviction moratorium doesn’t help anyone Issues brought by eviction moratorium The socialist nature of tenant groups The importance of creating generational wealth A great way of empowering people How to protect your community from negative policies About Stacey Johnson-Cosby Stacey is a real estate agent at ReeceNichols and uses her 32+ years of experience as a Kansas City REALTOR to represent her residential real estate clients in the Kansas City metropolitan area, both in Missouri & Kansas. She successfully guides buyers and sellers through negotiations to purchase and sell primary and investment homes. She’s also the president of KC Regional Housing Alliance, a diverse group of Kansas City Metro organizations that represent every sector of the housing industry for sale and for rent: Investors, Landlords, Property Managers, and Realtors. Connect with Stacey Phone: 816-591-5921 E-mail: kcregionalhousingalliance@gmail.com Website: www.kcregionalhousingalliance.org; www.nhpc.org (http://www.nhpc.org) Facebook: National Housing Provider Coalition; KC Regional Housing Alliance Connect with Leigh Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on YouTube and Rumble (https://rumble.com/c/c-580597)—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com. Click Here to Subscribe to Leigh's other podcast Crazy Sh*t in Real Estate!

5. 

   5 May 2021

   Homeownership Even With Student Loans with Catalina Kaiyoorawongs

   Failure to make student loan payments can have a variety of negative consequences. That’s why in this episode, Catalina Kaiyoorawongs explains why you should seek advice about student loan debts and what you should do about them. Key Takeaways To Listen For How LoanSense works for student loans Benefits of consulting with loan advisors Actions you need to take to What they don’t tell you when you get your loan Letting go of the fear of student debt About Catalina Kaiyoorawongs Catalina Kaiyoorawongs, CEO and Founder is a student loan expert and executive who has worked in financial inclusion in the last decade. She counseled millions of dollars on spreadsheets to build LoanSense with a top technical team that left unicorn companies to build the best technology in the lending space to help more Americans move from debt to homeownership more possible. Connect with Catalina Website: LoanSense Facebook: LoanSense Instagram: @myloansense YouTube: Catalina K LinkedIn: Catalina Kaiyoorawongs Twitter: LoanSense Email: sales@myloansense.com Connect With Leigh Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on YouTube and Rumble—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (http://leighbrown.com./). Click Here to Subscribe to Leigh's other podcast Crazy Sh*t in Real Estate!

6. 

   23 Apr 2021

   Can we do a better job for our veterans? (VA Loan Q&A with Brian Floyd)

   Agents and sellers may not know that VA loans aren’t as difficult as they used to be. Active duty veterans, National Guard and Reserve are all eligible. Listen along as we discuss the required repairs, inspections, if gifts are allowed and how realtors can explain things to their sellers that is fair and current. Learn how a veteran buyer financially sets themselves up more successfully in a competitive market. Key Takeaways To Listen For Brian shares why he loves VA loans Who is eligible for VA financing on residential real estate? What is the current situation with required repairs and inspections Getting a gift depending on type of loan Does the VA use the same standard as the rest of the state How does a veteran buyer financially set themselves up more successfully in a competitive market Can local lender use local appraiser when doing VA appraisal About Brian Floyd Brian Floyd with Fairway Mortgage of Concord, North Carolina Lenders who happen to be a veteran himself. Connect With Leigh Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on YouTube and Rumble—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (http://leighbrown.com./). Click Here to Subscribe to Leigh's other podcast Crazy Sh*t in Real Estate!

7. 

   14 Apr 2021

   Using Market Data in Buying or Selling Homes with Michael Simonsen

   It can be challenging for people to buy or sell properties as the Covid-19 pandemic continues impacting the market. This crisis has weighed heavily on both commercial and residential real estate. Listen to this episode as I dive into Mike's market data points about the real estate market outlook in 2021, and learn more about the benefits of using Altos Research for your real estate business. Stay tuned for more episodes! Key Takeaways To Listen For: Introduction to Altos Research and What It's About Information from Market Data Points Vs What People Heard from Social Media Data and Trends About Real Estate Market During Covid Why Millenials are Late in Household Formation Impacts of Low-Interest Rate on Housing Market Supply and Demand Interesting Data Reports that Public Can See in Altos Research Benefits of Market Action Research (from Altos Research) for Both Sellers and Buyers Interesting Trends in Commercial Real Estate How Altos Research Helps to Overcome Fears in Buying or Selling Property About Michael Simonsen: Mike Simonsen is the CEO and owner of Altos Research which is a California-based company that dives into real estate data. Website:  https://altos.re/ or https://altosresearch.com/ To sign up for Altos go to AltosResearch.com (https://altosresearch.com/) and click Get Started Use Promo Code LEIGH21 to get $30 off! Mike’s Ebook:  How to Use Market Data to Build Your Real Estate Business (http://7754956.hs-sites.com/altos-ebook) Youtube Channel: Altos Research (https://www.youtube.com/channel/UCpnmXW1p8NmKVWLBrhEY61A) Twitter:  @AltosResearch LinkedIn:  Michael Simonsen Connect With Leigh Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on YouTube and Rumble—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (http://leighbrown.com./). Click Here to Subscribe to Crazy Sh*t in Real Estate Podcast!

8. 

   22 Feb 2021

   Rogelio Martinez - What are "Accessory Dwelling Units?"

   Did you know that Accessory Dwelling Units are a great investment and an affordable housing solution? There are talks about them happening around the country...if you’re listening. Tune in as Rogelio Martinez, the ADU Loan Guy and founder of Vvelcome, explains what qualifies as an ADU, why they’re an excellent option to make use of that extra space, and how financing works — and learn why Rogelio is so passionate about what he does. Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on Youtube and Rumble—and never miss a beat from Leigh by following her on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com. 00:40 - Today’s topic: Accessory Dwelling Units. 01:15 - The definition of an ADU and the square footage requirements. 04:00 - About Rogelio, what he does, and how he started his company, VVelcome. 07:15 - People want to be real estate investors, but they’re looking in the wrong place. 08:50 - They’re a great option for aging parents or older children in a post-COVID era. 09:55 - Public policy with ADUs and updates on statewide ordinances. 12:45 - Two things will sunset after 5 years on Dec. 31, 2020 - owner occupancy and the 5-year amnesty for unpermitted dwellings. 14:25 - You need to know your local elected officials in order to stay abreast of these issues. 16:05 - Your state or city may be talking about this, even if you’re not in CA or OR. 17:35 - Shipping containers are allowed as an ADU as long as they meet the requirements. 20:05 - How financing works for an ADU and the options Rogelio’s company offers. 20:50 - Using an FHA 203K loan to convert an attached or detached garage. 22:25 - The four Fannie Mae and Freddie Mac loan options and others. 23:55 - Assisted living and aging in place with ADUs. 24:50 - What Rogelio is against and why. 26:35 - Talk to your Government Affairs Director. 27:05 - How to reach Rogelio: DM him on Instagram. 29:00 - What he does and why it’s important. 3 Key Points 1.) ADUs are a great way to build an investment and save money. 2.) ADUs are an affordable and attractive solution for housing. 3.) Don’t forget our seniors, veterans, and single parents. References Vvelcome Instagram Vvelcome Facebook

9. 

   17 Feb 2021

   Fair Housing: What Should You Know About Buyer Love Letters?

   Today we're going to talk about the housing market low inventory scenario we're seeing throughout the country. The housing supply is crazy low, and demand is crazy high. Buyer Love Letters are a tactic used by some buyers in an attempt to stand out to a seller, especially in hot markets with low inventory and bidding wars. While this may seem harmless, these letters can actually pose fair housing risks because they often contain personal information and reveal characteristics of the buyer, such as race, religion, or familial status, which could then be used, knowingly or through unconscious bias, as an unlawful basis for a seller’s decision to accept or reject an offer. Listen to this episode and consider the best practices to protect yourselves and your clients from fair housing liability. Please subscribe to “Real Estate from the Rooftops” in your favorite Podcast App, and on Rumble—and never miss a beat from Leigh by following me on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com.

10. 

    25 Jan 2021

    What to Expect in Real Estate for 2021

    As the COVID-19 pandemic presses on, we’re continuing to see big shifts to both residential and commercial real estate markets. To learn more, come along with me as I dive into NAR’s new January 2021 analysis about what hot trends may be sweeping the real estate industry next. With more people working remote, a stock market that’s increasingly unstable, and the like, new opportunities are now emerging in terms of what consumers now need and want in their new home. The time is now to take a proactive approach to learning how to meet clients’ needs. Let’s explore together what the new future of real estate amidst a rapidly evolving world may look like in the coming months. What to pay attention to this year: 1:06: The health of the commercial market impacts the residential market 4:05 Pay attention to legislative activity, especially Q4 2020 cannabis expansion. 5:17 Purchasing land. 7:05 The benefits of low-risk investing. 11:10 Local municipality impact and increased regulation costs. 12:13 Consumer shopping habit. 14:17 The multi-family segment. 3 Key Points 1.)  “There’s always a need for great rooftops and great property owners who can provide good housing to all segments of our economy.” 2.) Late payments occurred because the economy was shut down. Opening the economy is a must to revive the market. 3.) Non-profits tend to look at land as reactive. But it’s perhaps to think proactively about land. References: For more information on NARS’ Commercial Real Estate Trends and Outlook report for January 2021, read their full research here: https://cdn.nar.realtor/sites/default/files/documents/2020-q4-commercial-real-estate-trends-and-outlook-survey-01-21-2021.pdf Please subscribe to “Real Estate from the Rooftops” in your favorite Podcast App, and on Youtube and Rumble—and never miss a beat from Leigh by following her on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (mailto:leigh@leighbrown.com).

11. 

    12 Jan 2021

    The Troubling Future of Fannie Mae & Freddie Mac

    Fannie Mae and Freddie Mac have tightened their rules, and with 80% of the residential market backed by them, you’re gonna want to pay attention! After all, they play a BIG role in the overall health of our housing and financial markets. There are efforts to reduce the footprint of backing mortgages in vacation areas, but the problem is that these areas aren’t exclusively for vacationers and second homes. Listen in as Leigh Brown explains why the new rule could damage many areas in the country by negatively impacting permanent workers, workforce housing, and primary owners — and even contribute to a bump in the cost of credit. Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on Youtube and Rumble—and never miss a beat from Leigh by following her on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (http://leighbrown.com./). Time Stamped Show Notes: Today’s topic is Fannie Mae and Freddie Mac (GSEs) and how they relate to the health of our housing and financial markets. Nearly 80% of the residential market is backed by Fannie Mae and Freddie Mac, which were taken under government guidance during the Great Recession. The question: Should they become privatized, should the government keep them, or should there be a public-private partnership? If you’re a REALTOR®, attend this webinar on January 14th to learn more about the future of Frannie and Freddie. What to be aware of when it comes to Fannie Mae and Freddie Mac: Even vacation and investor mortgages can be underwritten by Fannie Mae and Freddie Mac. There is a proposal for Fannie and Freddie to tighten the rules on condos and buildings on vacation locales, especially ones with short-term rentals. In December 2020, Fannie Mae changed its rules to state that it won’t back certain loans in high rent vacation areas and Freddie Mac followed suit. There’s an effort to shrink the footprint of backing mortgages in vacation areas, but REALTORS® argue that not only investors invest there. There is also workforce housing, permanent workers, and primary owners; in 2020 many people chose to move into their vacation home to work from home. If you take away the ability for someone to get backed financing, you’ll have limited credit which means an increased cost of credit. This could damage many areas across the country; if you clamp down on second-home areas, you clamp-down on those who work in those areas, too. Primary residence owners also sometimes like to rent out their home while they’re on vacation, which they should be able to do with their own property. If you’re a REALTOR®, stay posted here and keep in touch with your elected officials; if you're not a REALTOR®, talk to one to stay in the loop. 3 Key Points 1.)  The new Fannie and Freddie rules can damage many areas in the country. 2.) If you clamp down on second-home areas, you clamp down on those who work in those areas, too. 3.) A good REALTOR® wants to protect and preserve homeownership and increase opportunities. References Fannie, Freddie Tighten Rules for Condos in Vacation Locales (The Wall Street Journal) The Future of the GSEs Webinar: Readying Frannie and Freddie for the Next Chapter

12. 

    22 Dec 2020

    EXPLAINED: The NEW Stimulus Package

    A deal has FINALLY been struck for the new stimulus package and it’s about time, folks! There are some golden nuggets in there, especially for the world of real estate and those who are self-employed. From rental assistance to an extension of unemployment benefits, tax extenders to improved tax credits, you’ll want to hear how this new stimulus package helps tenants, homeowners, and investors alike. Listen in as I simplify the most important bullet points of the stimulus—and learn how our political advocacy work has paid off to support our communities during this crazy time. Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on Youtube and Rumble—and never miss a beat from Leigh by following her on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (http://leighbrown.com./). A deal has (finally) been struck for the new stimulus package! Some bulleted key points: $600 of stimulus checks for those who qualify (including dependents) An extension of unemployment benefits until April 19th An extension of the PUA for an additional $300/week through March 14th The unemployment benefits are extended to the self-employed The PPP has an additional $284B and there’s $20B in the EIDL Deductibility of business expenses paid for with the PPP $25B provided to the state through September 30th, 2022 for rental and utility assistance, which allows landlords to apply for funds on behalf of tenants The supply chain allows banks to get the money they need to lend BIG NEWS: Tenants can apply and the funds will be directly sent to the landlord; landlords can also apply but must notify the tenant and get their consent This protects all sides of the supply chain There’s money for schools and vaccine distribution, too $7B in the states for broadband expansion, including $300M for rural broadband This is happening alongside a $1.4T spending bill to fund the government through September 2021 This includes tax extenders, an increase in Fair Housing founding, and a 2-year expansion of the business meals deduction It includes an extension/expansion of the employee retention tax credit and a permanent extension of the section 79D deduction for energy-efficient commercial buildings It includes mortgage debt forgiveness exclusion extended for 5 years The low-income housing tax credit is expanded and improved; which is great news for building affordable housing 3 Key Points The new stimulus has some great assistance programs for those who need it. The new stimulus better protects the supply chain. The new tax extenders and tax credits are great!

13. 

    4 Dec 2020

    Good News! Loan Limits INCREASED for 2021

    Hot off the press: The Federal Housing & Finance Agency is increasing the Conforming Loan Limits for 2021, and the FHA will likely follow. For buyers, this means more loan options (and more house!) with a reasonable down payment. For REALTORS® this means you’ll be able to better help your buyer pool in a market where demand is high and supply is low. Listen in as I break down the new loan limit numbers, what they mean for conforming and jumbo loans, and how to distinguish between FHFA & FHA loans —and hear why having a loan professional you can trust is paramount to getting the best loan possible. Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on Youtube and Rumble—and never miss a beat from Leigh by following her on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com. Time Stamped Show Notes: Big News: The Federal Housing & Finance Agency is changing the Conforming Loan Limits for 2021 What does this impact? When loan limits increase, it means you can buy more house with a reasonable down payment and the loan is backed by the FHFA (Fannie Mae & Freddie Mac) The new Maximum Conforming Loan Limit for a single unit property is $548,250 from this year’s $510,400 You can now do a 5% down payment on a purchase up to $577,100 You don’t have to have 20% down, there are amazing loan options at 5% down; talk to your REALTOR® and loan professional to learn more about your options I’m getting the inside scoop from Brian Floyd, my preferred lender who’s a pro and gives personalized advice Information on jumbo loans Jumbo loans are loans for amounts larger than the conforming loan limit and the pricing number is different These are for luxury homes; you’ll need a higher credit score (720 and up) If your credit score is less, you can do a 5% down conventional but will have lower loan limits Jumbo loans typically require 20% down, sometimes 10%; there are some 0% doctor loans, but you’ll need reserves, great income, and great income verification Underwriting for jumbo loans typically takes a little longer to confirm everything Other loans: Sandwich loans, stacker loans, combo loans, 90-10-10, 80-10-10; all these have adjustments on pricing and a second underwriting Have a loan professional you can trust; there’s a lot to consider Announcement coming in December: FHA loan limits are likely going to increase, too, to $356,362 (they typically follow FHFA) Information on the FHA loans It’s 3.5% down, your credit score can be a bit lower, and your debt-to-income ratio can be higher, giving you more opportunities as a buyer If your credit score has taken a hit, ask your REALTOR® and loan professional how to boost it People with FHA loans get an extra inspection because the bank has more at risk; there could be some non-negotiable repairs FHA folks look for paint peeling, operating windows, handrails for 3 or more steps, and other safety precautions FHA loans serve an important part of the marketplace; buyers will have more loan options and REALTORS® will be able to better help their buyer pool 3 Key Points There are great loans with 5% down. Talk to your REALTOR®! Get a loan professional you can trust. FHA loans are not of the devil!

14. 

    25 Nov 2020

    The DOJ and National Association of REALTORS® Lawsuit & Settlement EXPLAINED

    If you want the scoop on the Department of Justice lawsuit and settlement with the National Association of REALTORS®—and how it affects YOU—let me fill you in. The DOJ’s concern is that consumers are unclear about commission structures and how agents get paid, so it’s about to become publicly available information. Professional REALTORS® are already transparent about these things, so we’re happy to provide consumers more options and better transparency. Listen in as I share a big change in the settlement that will require a new critical step in your process when it comes to lockboxes and seller safety —and hear what you can do as a REALTOR® to share your value, spread the word, and support your clients. Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on Youtube and Rumble—and never miss a beat from Leigh by following her on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (http://leighbrown.com./). 00:25 - Leigh is the Vice President of Advocacy for the Association and is connected to Katies Johnson, the Chief Counsel of the NAR 00:50 - The DOJ (Department of Justice) & NAR Lawsuit and Settlement 01:45 - The DOJ said that people don’t know what’s going on in terms of commissions and buyers don’t know how agents are paid 02:05 - Your state may have different agency rules for buyer and sellers agents, some states even have transaction agents 03:00 - The settlement says that commission payments need to be evident; NAR doesn’t acknowledge wrongdoing but agreed to publish compensation 03:35 - If you are a REALTOR® and you have compensated another agent in the MLS, it’s going to publish all over the place on websites 03:50 - The MLS is an agreement to data and listing share amongst professional colleagues 04:20 - If one REALTOR® works with a seller, they can publish the listing into the MLS for buyers agents with information on how they’d be paid, too 04:30 - That amount was determined between the seller’s agent and the seller prior to publishing on the MLS; this is so agents can work together 05:00 - This compensation number used to be published publicly, then it wasn’t, and now it will be again; it’s no big secret 05:30 - Part of the conversation 05:35 - That it will cause negotiations of commission rates - this has always happened 05:50 - Agents won’t be able to choose houses based on commission dollars - we’re in a low-inventory market so you shouldn’t be doing this anyway 06:20 - The consumer will be able to see the full breadth of what’s available within their budget - that’s how it should be 06:30 - The giant change in the settlement 06:30 - You’ll have to have a conversation with your seller clients 06:35 - In the MLS, when you agree to work together, you work through showing instructions and services for convenience and safety 06:55 - The DOJ settlement says that any real estate licensee can access a lockbox, REALTOR®, member of the association, or MLS with seller permission 07:15 - Have a conversation with sellers about how it works; find out if they’re comfortable having licensees in their house and be sure to check licenses 07:45 - This may just mean that you have to make an extra phone call; the priority is seller safety so make sure their license is valid 08:25 - We need to have better conversations with the public about what we do as REALTORS® 08:35 - REALTORS® tend to keep all the work they do behind-the-scenes, so the public doesn’t know all they do and all the hours it takes 09:00 - Let people know how hard you work; look at your advertising and let consumer sellers know what a professional REALTOR® means to them 10:20 - The best REALTORS® do things that websites and AI and AR just can’t do; they troubleshoot, find solutions, and make the transaction smooth 10:53 - If you have opinions, concerns or questions as a REALTOR® member, contact the members of the NAR Board of Directors in your state/region 11:11 - The NAR Board of Directors (your voice in the room) will need to have a meeting to discuss how they’re going to approach and vote on this 12:00 - While we work through the process 12:10 - Do what you were doing; make sure every consumer is educated, they know what you do, and know the journey from consumer to client 12:40 - Spread the word; fill other agents in on the conversation and encourage them to engage

15. 

    21 Nov 2020

    The Fight to Protect Property Rights w/ Stacey Johnson-Cosby

    Spurred by the pandemic, tenant rights are changing around the country. But what does that mean for housing providers, like landlords, property managers, investors, and REALTORS®? Listen in as Stacey Johnson-Cosby breaks down the devastating long-term effects of extended moratoriums, the loud voices of organized tenant groups, and why property rights need to be protected now more than ever—and hear what you can do to help your community and its people while protecting your hard-earned legacy. Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on Youtube and Rumble—and never miss a beat from Leigh by following her on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (http://leighbrown.com./). 00:20 - Introducing Stacey Johnson-Cosby; an agent of 33 years in Kansas and Missouri and passionate private property rights advocate 01:40 - Tenant rights are changing around the country; Stacey and her husband are investors and housing providers and have been for 25 years 02:55 - Many agents are also investors; they need to preserve income and the housing market 03:15 - She created an alliance of housing providers (landlords, property managers, investors, and REALTORS®) and her survey says many will sell 04:10 - She believes that eviction moratoriums will have devastating long-term effects 04:30 - Stacey’s alliance 05:55 - How she found people; people came out for a Healthy Homes Rental Inspection and they educated people 07:00 - The alliance was formed before it became a ballot initiative; then they formed a campaign 08:05 - She ran for council and is energized to be the voice for the housing industry; people need to do their homework and should know what already exists 09:50 - They represent over 100,000 rental units in her area in the alliance; they are available for policy questions, education, etc. 10:35 - How to replicate her alliance in other areas without creating bad legislation to fight 12:45 - Tenant groups are organized and national; she wants housing providers to have the same organization and voice 14:50 - Many housing providers are struggling, too, and can’t afford to also house and support their tenants 15:13 - The socialist nature of tenant groups 15:45 - Squatting and taking over properties is becoming more common 16:05 - Watch what’s going on with your city council; don’t assume that you will get notified 17:00 - She went to a city council meeting and the tenant groups were already there and organized; they worked with the mayor to create a tenant Bill of Rights 17:20 - The national movement is that housing is a right; Stacey spoke and said that housing providers should have a seat at the table, too 19:50 - Many people spoke against the tenant Bill of Rights at the second meeting; tenant groups want projects 21:20 - The government is not a good landlord; public housing in not a good idea 22:10 - Some tenant groups think housing should be free and that evictions should not be allowed 22:55 - On owning a home 24:45 - Homeownership is the first step to the middle class; it’s also a way to create a legacy 25:30 - You don’t always have to be stuck being a renter; the focus should be to help more people own homes 25:57 - On rental assistance 27:15 - The government should provide rental assistance, not cancel rent; housing providers want people to be able to stay in their homes 28:45 - There are so many paths to take to better your future; share the knowledge to help future generations 29:50 - On tenants/landlords working together 30:10 - Landlords are human and are just like tenants; they struggle and want to help, too 31:00 - They held a virtual resource summit to help people get assistance; the assistance is out there 32:15 - They also hosted a job fair for jobs paying $15 or more; there were 30 employers offering around 300 jobs 36:23 - Tenants want to pay and want to work; they want to be a part of their own future 38:08 - Her suggestions 38:38 - Be a voice for housing; for investing to create wealth, speak up, and connect leaders and groups to work together 39:43 - Know about the tenant groups that are out there disincentivizing property ownership; look up #cancelrent #rentstrike 40:30 - Help house homeless students; there’s a shortage of affordable housing and housing providers want to change that 41:25 - Share your knowledge with others and your family so people can learn how to grow a legacy, invest, and have property 43:00 - How to reach Stacey: text (816)591-5921, email kcregionalhousingalliance@gmail.com and check out the National Housing Provider Coalition website and on Facebook, and the KC Regional Housing Alliance (http://kcregionalhousingalliance.com/) website and on Facebook

16. 

    17 Nov 2020

    New Health Orders Affect Real Estate Brokers in New Mexico

    Some NEW Health Orders just emerged from New Mexico that we definitely don’t want to spread around the country. Learn what the new guidelines say, who they impact, and how they’re changing the way real estate is done in New Mexico—and hear what you can do to protect the very essential business of real estate in your own community. Please subscribe to “Real Estate from the Rooftops” in Apple Podcast, or your favorite Podcast App, and on Youtube and Rumble—and never miss a beat from Leigh by following her on Instagram @LeighThomasBrown. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@leighbrown.com (http://leighbrown.com./). 00:30 - Introducing today’s topic: New Health Orders in New Mexico and their impact 01:20 - Real estate was not listed as an essential business in NM 02:00 - The specific guidelines 02:20 - Offices must be closed and business can only be done virtually 04:00 - Brokers cannot have personal interactions with clients or anyone involved in the transaction 06:00 - A buyer can tour a property but must be unaccompanied by their broker 07:05 - “Just don’t do it” isn’t a sufficient answer; people need a personalized answer 08:00 - Another guideline says the broker can’t have personal interactions with other individuals involved in the transaction, like the inspector 09:20 - Title companies can still do their thing 09:45 - We are voters, professionals, and consumers; real estate should be deemed essential and we need to protect that 10:10 - The lower price points are the most at risk 10:50 - What YOU can do today 3 Key Points Even if you don’t live in New Mexico, your state may follow suit. Speak up! REALTORS® provide consumer protection and act as an extra set of eyes.

17. 

    29 Oct 2020

    Biden & Trump Tax Plan Comparison

    Policies around real estate and taxes aren’t always sexy, which is why you won’t see much about them in the mainstream media. Get the scoop on Trump and Biden’s tax proposals, learn what they really mean, and see the side-by-side comparison in today’s episode. Follow along with this resource and hear how these plans could impact your investments, bank account, business, and future. Please subscribe to this podcast in iTunes, in the Podcasts App, on YouTube, and on Rumble—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@ (mailto:leigh@leighbrown.com)leighbrown.com Time Stamped Show Notes: 00:20 - Introducing today’s topic: Biden & Trump Tax Plan Comparison 00:45 - Social media and the news tend to focus on policies that aren’t always the ones that matter in real estate 01:40 - Individual Tax Rates 03:15 - Capital Gains 04:00 - Some Leigh Brown opinions 05:12 - Pass-Through Business Income 05:40 - What pass-through businesses 06:05 - Real Estate Provisions 06:15 - A breakdown of Biden’s 3 proposed changes and their impact 08:10 - Stepped-Up Basis 08:20 - What Biden’s proposed change means 09:25 - Carried Interest 09:55 - Corporate Tax Rates 10:15 - Why corporations don’t need a tax hike right now 10:50 - Payroll Taxes 11:30 - Housing 12:15 - What Leigh likes about low-income housing tax credits See the side-by-side comparison HERE 3 Key Points We don’t need to raise taxes right now. Money flows where it’s least hampered. Do your research; this all impacts YOU.

18. 

    28 Oct 2020

    What is Real Estate from the Rooftops?

    Want to know what this show’s all about? Tune in to learn a little about me, what you’ll get out of the show, and why it’s important to have an honest, unfiltered source for real estate news that directly impacts you, your bottom line, your community, and your future. Please subscribe to this podcast in iTunes, in the Podcasts App, on YouTube, and on Rumble—and never miss a beat from Leigh by following her on Instagram. As always, if you need a rockstar REALTOR® who is involved in political advocacy, homeownership rights, and is always in the know, call on this girl at leigh@ (mailto:leigh@leighbrown.com)leighbrown.com Show Notes: 00:00 - Introducing the Real Estate from the Rooftops podcast 00:15 - What you’ll get: Information about legislative activity, real estate news, and higher perspective need-to-knows Education from people who know real estate, like Leigh! News that the mainstream media or your social media feed won’t give you

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