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On this episode we talk about ARM (Adjustable Rate Mortgages) loans with our guest, Nick Woolridge NMLS# 2025188 with VIP Mortgage. Many people think ARM loans were a big part of the 2008 crash. We dispel some of those myths and and talk about why they may be making a comeback. Do you have questions for Tom or Nick? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Nick Wooldridge- Nick.woolridge@vipmtginc.com | 520.449.3848  Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

This is something that many in the industry aren't really talking about. It has become glaringly obvious during the pandemic and housing boom or 2020/21 that we do not have enough housing opportunities in the first-time buyer and first-time renter as affordability and inventory wanes. In this episode we discuss possible solutions. Here is the article referenced in this podcast: https://www.whitehouse.gov/cea/written-materials/2021/09/01/alleviating-supply-constraints-in-the-housing-market/ Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- marketing@thetjkteam.com Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

There is more than one way to hire a real estate agent. This goes into some of the industry intricacies about the ways an agent represents you ...or doesn't! This is very important to know as you move forward with buying or selling any real estate.  Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- marketing@thetjkteam.com Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Fortune Magazine recently put out a very informative article on interest rates adjusted for inflation. For the first time EVER, we are in negative territory. We go into a deep dive as to what that means for homebuyers. Check out the Fortune article HERE  Another article going over the same info without a pay option HERE Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- marketing@thetjkteam.com Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

We tend to find reasons to look for a housing crash because, let's be honest, the scar from 2008 isn't fully healed for many homebuyers. In this podcast we look at the differences as to why this is mostly an economic downturn instead of a housing downturn. Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- marketing@thetjkteam.com Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Jill Paddock talks to one of the teams preferred home inspectors yet again, Celia Webb with Always Faithful Home Inspection, in the second part of the two part series going over the importance of a home inspection. Celia Webb can be contacted at here website: Always Faithful  Or you can check out her instagram @alwaysfaithfulhomeinspection Do you have questions for us? Let us know: Jill Paddock- Jill@thetjkteam.com | 520.260.8545 Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704    

Jill Paddock talks to one of the teams preferred home inspectors, Celia Webb with Always Faithful Home Inspection, and they go over the importance of having a home inspection if you are buying, what they look at, and why the inspection report is crucial to have for a negotiating tactic. Celia Webb can be contacted at here website: Always Faithful  Or you can check out her instagram @alwaysfaithfulhomeinspection Do you have questions for us? Let us know: Jill Paddock- Jill@thetjkteam.com | 520.260.8545 Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704    

We sat down with Rob Young, a buyer who started the new construction process in March of 2020 and is finally moving into his home. He walks us through his purchase process of a new construction home. The good, the bad, and the ugly! Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Opendoor recently posted some interesting figures about how much they make on an average home sale. The numbers shocked us at how much sellers are leaving on the table going the "convenient" route. If you are thinking about selling to an iBuyer, LISTEN TO THIS FIRST! Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Jill Paddock- Jill@thetjkteam.com | 520.260.8545 Do you have feedback, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

New construction is seeing what we have not seen since the 1970's, Stagflation. In this episode, we cover what stagnant inflation is, why we are seeing it within the housing market, and how it can affect you as a homebuyer. Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- Marketing@thetjkteam.com Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

Over the course of 1-2 years, during the pandemic, new construction builders have changed and not for the better. Here's what to know if you are considering purchasing a new construction home in 2022. Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Jill Paddock- Jill@thetjkteam.com | 520.260.8545 Do you have questions, comments or topics that you would like us to cover on this podcast? Reach out to us: podcast@thetjkteam.com www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

We are in unprecedented territory yet again in the housing market. We see similar indicators that we are in a bubble within the housing market, we also see some very positive numbers as to why aren't. Here are the reasons we are where we are and what it could mean for you. Talking about home affordability as interest rates rise, be sure to check out this podcast that illustrates the difference in numbers: https://youtu.be/CEknqgtWggA Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- Marketing@thetjkteam.com Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.TheTJKTeam.com Keller Williams Southern Arizona 7400 N Oracle Rd #331 Oro Valley, AZ 85704

One of the best things we can do for ourselves is to take responsibility of our finances. This is something that isn't taught early in our lives and only learn it in the school of hard knocks. This is some of the best advice that we can give from our point of view. We are NOT financial planners, so please take any of what advice we give understanding we are licensed Realtors®. Take what may work for you to them to figure out what plan might works best. Talking about home affordability as interest rates rise, be sure to check out this podcast that illustrates the difference in numbers: https://nittygrittyrealestate.podbean.com/e/2022-housing-projection/ Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Jill Paddock- Jill@thetjkteam.com | 520.260.8545 Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.TheTJKTeam.com Keller Williams Southern Arizona 1745 E River #245 Tucson, AZ 85718

Ever considered desert living? If moving to AZ for the weather wasn't enough, we go over 5 big reason as to why living in Tucson might help you in your relocation decision.  As mentioned in this podcast we do have our relocation guide to download for free on our resources page: https://thetjkteam.com/Resources  Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Jill Paddock- Jill@thetjkteam.com | 520.260.8545 Joe Brown- Marketing@thetjkteam.com Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.thetjkteam.com Keller Williams Southern Arizona 1745 E River Rd #245 Tucson, AZ 85718

There is a lot going on in the world right now, so we go over it through the lens of real estate and it can affect you, the home buyer or seller. What does increased gas prices, Eastern conflict, and inflation do to your ability to buy or sell a home? Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- Marketing@thetjkteam.com Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.thetjkteam.com Keller Williams Southern Arizona 1745 E River Rd #245 Tucson, AZ 85718

"Are we in a housing bubble?" This is a question that we asked a lot! That is why we decided to make a podcast dedicated to whether or not we are in a housing bubble. The truth of the matter is, we don't see the data to support that we are currently in a bubble. Listen to podcast backed up by current data to why we believe there is no housing bubble for people to worry about. Be sure to read our blog post with our data references: https://thetjkteam.com/blog/4_simple_graphs_showing_why_this_is_not_a_housing_bubble/41897 Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- Marketing@thetjkteam.com Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.thetjkteam.com Keller Williams Southern Arizona 1745 E River Rd #245 Tucson, AZ 85718

Here are some of our biggest tips for first-time homebuyers. Hopefully this podcast will prove valuable for someone making the leap into buying their first home. There is obviously way more to it, but this is boiled down to what we think is some of the most important. We referenced an episode in this podcast about your protections in the real estate contract, so if you haven't watched it yet, go check it out: Episode 62- https://youtu.be/kbFwuvD1Vjk Additionally, we mentioned a Millennial Buyer Guide, go download it for free! https://drive.google.com/drive/folders/1JJOr8JjLpBBZtq993W8r2gHuhDEfjEUY?usp=sharing Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- Marketing@thetjkteam.com Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.thetjkteam.com Keller Williams Southern Arizona 1745 E River Rd #245 Tucson, AZ 85718

In housing, this has been where the biggest clash happened between buying groups. First-time Millennial homebuyers have been beaten out of the running in home purchases across the country. In this episode, we dive into why this is and edges that both groups have on one another. We referenced the last episode in this podcast about where home prices are headed, so if you haven't watched it yet, go check it out: Episode 57- https://youtu.be/AjWGOiLtMII For the Millennial Buyer Guide, go download it for free here: https://drive.google.com/drive/folders/1JJOr8JjLpBBZtq993W8r2gHuhDEfjEUY?usp=sharing  Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- Marketing@thetjkteam.com Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.thetjkteam.com Keller Williams Southern Arizona 1745 E River Rd #245 Tucson, AZ 85718

Contingencies are pretty much across the board protections for both the buyer and seller. Contingencies are great things to know to either protect your earnest deposit (a thing of value, usually money) as a homebuyer or on the other end being able to collect the earnest money if the buyer cannot fulfill their duties of the contract for the seller and collect damages. Either way, it's good to know your contractural obligations and "outs." We referenced the last episode in this podcast about the rising interest rate and affordability, so if you haven't watched it yet, go check it out: Episode 60- https://youtu.be/4OfHNJaNHRc Do you have questions for us? Let us know: Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Joe Brown- Marketing@thetjkteam.com Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.thetjkteam.com Keller Williams Southern Arizona 1745 E River Rd #245 Tucson, AZ 85718

Well, this one is definitely NOT about real estate, but something, just as important: our health! This podcast is not just for people 65 and older, but it's also Millennials and Gen Xers having to deal with their aging parents. This one is all meat and potatoes, not fluff. This is all GREAT information to know. Thanks to Rob Young for dropping all of his Medicare knowledge. Rob is always ready to chat about it, so feel free to call, text, or email him, 206.234.6797 | robyounginsurance@gmail.com And for any real estate questions contact Tom Krieger- Tom@thetjkteam.com | 520.907.5305 Do you have questions, comments or topics that you would like us to cover? Reach out to us: podcast@thetjkteam.com  www.thetjkteam.com Keller Williams Southern Arizona 1745 E River Rd #245 Tucson, AZ 85718