We Tried Talking Business, But Got Distracted

She Took the Risk Most People Avoid

In episode 11 of Mortgage Cowboys, we sit down with Andie Valenzuela to talk about moving from California to Boise, building a real estate career in a new market, and what it really takes to bet on yourself. From working with family in real estate to helping buyers relocate, this episode dives into mentorship, first-time homebuyers, communication, client relationships, and why starting over can sometimes be the smartest move.We dive into:Why Andie moved from California to Boise, IdahoHow she plans to help families relocating to the Treasure ValleyWhat it’s like building a real estate career in two different marketsWhy relationships matter more than location in real estateHow communication can make or break a transactionWhy newer agents need strong mentorship early in their careerWhat working with family in real estate is really likeHow first-time homebuyers can benefit from the right guidanceWhy difficult clients can teach agents important lessonsHow content, YouTube, and social media can help build a real estate brandWhy betting on yourself often means getting uncomfortableWhat Boise offers for people looking for a fresh start00:00 Welcome to Mortgage Cowboys01:09 Moving From California to Boise04:28 How Andie Got Into Real Estate08:12 Dual Licensing and Relocation Niche15:04 Biggest Challenges in Real Estate19:05 Working With Family in Business22:00 Goals Content and YouTube Plug27:46 Quick Get to Know Andie30:56 Best Boise Bites33:53 Lenders and Teamwork43:45 Advice for New Agents44:59 Nightmare Client Lessons50:07 Most Rewarding Deal53:51 ClosingSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

Your AI Mortgage Advice Might Be Costing You the House

In Episode 10 of Mortgage Cowboys, we break down why homebuyers need to stop relying on AI mortgage advice, Google searches, and bad market predictions when making real estate decisions. From late payments that can derail a home loan to buyers waiting for a housing crash that may never come, this episode dives into the messy reality of mortgages, real estate, lending guidelines, and why talking directly to your lender matters more than ever.We dive into:Why one late payment can completely change a mortgage approvalHow life happens, but lending guidelines still matterWhy buyers should ask their loan officer questions instead of sending AI-generated emailsHow ChatGPT and Google can confuse homebuyers with generic mortgage adviceWhy trusted lenders and realtors still matter in today’s AI-driven worldWhere the real estate market may be heading in 2026Why waiting for the “perfect time” to buy could cost you moreWhy the housing market probably isn’t crashing anytime soonHow real estate can still be a long-term wealth-building move00:00 Welcome to Mortgage Cowboys00:40 When a Loan Falls Apart02:14 Hard Months in Real Estate03:50 AI Mortgage Advice Problems06:40 The ChatGPT Email Story08:15 Just Ask Your Lender09:32 Google Rabbit Holes vs Real Advice11:30 Talk to a Trusted Professional13:28 Don’t Wait Forever to Buy14:25 Why a Housing Crash Is Unlikely15:20 Real Estate as a Long Game16:10 Bad Advice Can Cost Buyers34:00 The Concert Story37:10 Growing Up in Farming38:10 ClosingSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

Podcasting Is Becoming the New Business Advantage

In episode 9 of Mortgage Cowboys, we sit down with Roberto from SB Studios to talk about podcasting, business, AI, and why storytelling matters more than ever in a fast-changing world. From building a podcast production company during COVID to navigating entrepreneurship, technology, and the future of work, this conversation breaks down how media, business, and human connection are all shifting at the same time. We dive into:Why authentic conversations make podcasts stand out from polished social media contentHow Roberto went from working at Apple to building a podcast production companyWhy starting a podcast is harder than most people thinkHow podcasting is becoming a bigger part of business, media, and personal brandingWhy AI may change work, but human storytelling still mattersThe future of podcast production and how technology could make it more accessibleWhat businesses can learn from retail, consumer behavior, and changing marketsWhy human connection, trust, and real conversations still create the strongest opportunities00:00 Welcome to Mortgage Cowboys 01:06 Authentic Podcasting07:42 How Roberto Started16:14 Creators Want Shortcuts22:20 Building Podcast SaaS31:10 Why Start a Show32:08 Consumer Cycles and AI34:43 Storytelling Pays Big41:55 Showrooming Kills Retail45:39 Blockbuster to Netflix Shift46:41 Human Touch vs Automation50:01 AI Future Without Work57:02 ClosingSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

We Tried Talking Business, But Got Distracted

In this bonus episode of Mortgage Cowboys , Mark and Todd step away from the usual mortgage conversation and get into the real stories behind who they are. From tattoos to favorite movie houses like The Goonies, The Sandlot, and Breaking Bad. This episode is less about mortgage advice and more about getting to know the personalities, memories, and stories of Mark and Todd.  00:00 Welcome to Mortgage Cowboys 04:53 Tattoo Stories 20:00 Favorite Movies Debate 26:26 Movie Houses and Breaking Bad 29:54 Goonies Debate 32:25 The Sandlot 34:11 Idaho Things to Do 36:01 River Float Scare 52:54 Shorts Getting Shorter 55:56 Closing

20 Years at One Job… Here’s What It Taught Me | Mortgage Cowboys #8

In this episode of Mortgage Cowboys, we sit down with Jay who shares what it really takes to build a long-term career, earn trust, and stay relevant in today’s fast-changing market. From working their way up over decades to navigating real estate, business, and personal growth, this conversation breaks down the reality behind success that most people don’t see. We dive into: * Why staying in one place and mastering your craft can outperform constantly chasing new opportunities * How trust and consistency create long-term success in business and real estate * The mindset shift needed to survive market changes and economic uncertainty * What people get wrong about success, loyalty, and career growth today * How relationships and reputation compound over time into real opportunities * Why problem-solving and adaptability matter more than titles or experience * What it actually looks like to build a life and career that lasts If you’re asking questions like “Is loyalty still worth it in today’s job market?”, “How do you build long-term success in real estate or business?”, or “What separates people who last from those who burn out?” this episode is for you. 00:00 Welcome to Mortgage Cowboys 00:53 Walmart Career Path 03:05 People of Walmart 05:11 Meeting Shaq 07:12 Freezer Essentials 15:33 Idaho Growth Debate 18:06 Married to Realtor 20:41 Flipping Before 2008 23:21 Top Idaho Restaurants 29:28 Retail Growth In Idaho 31:00 How Stores Choose Locations 33:59 Roads Versus Rapid Growth 42:41 Boise Needs More Comedy 46:39 Wrap Up And Farewell