Grateful Heart Tv

We are back!😄 With the new year in full swing, our host Rebecca Rains is joined by our expert guests Tara Krieg with the TK Team, Joe Smith with Epic Mortgage, and Anthony Penna with Navi Title to share fresh stats, market insights, and expert advice to help you navigate the housing🏠 market in 2025!Anthony kicks things off with a shocking stat: 71% of real estate agents didn’t close a single deal last year.🤯 Tara dives into buyer trends, revealing why people are tired of waiting for rates to drop and are jumping into the market now. Rebecca breaks down the Cromford Report, showing which Arizona cities are hot for buyers and sellers—and why Maricopa might not be the best bet right now.🙅Anthony shares his 2025 housing market forecast, while Tara explains why rates could drop this year. Rebecca highlights the importance of acting now, sharing a story about a client who almost waited too long to buy. Plus, she voices her concerns about the future for first-time homebuyers amid commission changes.💸Packed with actionable insights, this episode is a must-watch for anyone looking to make smart moves in real estate this year. Don't miss out!Listen & Learn:0:45 - Rebecca intros Tara, Joe, & Anthony2:54 - How business has been this year so far for Joe, Tara, & Anthony4:05 - How has it been for Rebecca in the real estate sector5:13 - Anthony’s stats on real estate agent closings in the previous year9:52 - Tara’s chart on the percentage of people looking to buy a home this year & why10:45 - People are tired of waiting for rates to come down and are starting to buy again11:45 - Rebecca explains the Cromford chart on the top cities in Arizona today12:40 - It’s a buyer’s market in some areas but in popular markets it is still a seller’s market14:40 - Maricopa may not be the best place to invest right now according to the Cromford index18:00 - Anthony’s slides on the 2025 housing market forecast19:30 - Tara’s belief as to why rates will hopefully be going down this year21:28 - Mortgage Rate Projection chart explained22:15 - Mortgage rates by decade and will more homes sell in 2025?23:11 - Good houses are still selling fast and buyer’s markets are area specific in Arizona25:30 - Anthony’s charts and why he believes home prices will continue to increase26:50 - Rebecca’s example of a client of hers that was thinking of waiting to buy and how it would be more beneficial to buy now vs waiting28:40 - Rebecca’s concerns about the future for first time home buyers and how the commission settlement is going to affect them32:00 - Final thoughts from Tara, Joe, & AnthonySpecial Guests:Anthony Penna - Senior Vice President at Navi Title"There is nothing more satisfying than helping people achieve their goals by providing them with opportunities to excel in their business. It’s an awesome process that I feel very fortunate to be a part of." Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards.Phone: 602-510-8848Email: apenna@navititle.comWebsite: www.navititle.com/Joe Smith - Owner/Broker of Epic Mortgage:Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. After 17yrs in traditional retail banking, working for many top companies in the mortgage business he decided to make a jump to becoming a mortgage broker himself. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you're gonna want to go to for advice on lending!Phone: 602-741-4121Email: joe@myepicloan.comWebsite: www.myepicloan.comTara Krieg - Owner of TK Team Lending:Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years' of experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Her specialties include loan origination, credit education, mortgage-related financial consulting and planning, and personal coaching of Junior Loan Officers.Phone: 480-344-1951Email: tkrieg@amerifirst.usWebsite: www.tkteam.usFollow us on Facebook or Instagram @GratefulHeart.Tv💖Listen🎧, Rate🌟, & Subscribe on Spotify & Apple Podcasts

Get ready to dive🏊 into the latest updates and trends in the housing market! As usual, we have our expert guests Tara Krieg, Joe Smith, & Anthony Penna joining us to share their insights and expertise on the current state of the market. In this episode, we'll take a look back at our previous market update and discuss how the numbers have changed.📈 From rising rents to consumer debt, our panel will break down all the factors influencing the market right now. Anthony will share his perspective, from a title company standpoint, and give us a deep dive into the current interest rates. You'll also see some eye-opening charts that show the incredible equity💰 that Americans are sitting on, making real estate an extremely safe and valuable investment. We'll touch on the ongoing NAR lawsuits and settlements, and give our thoughts on the essential role of real estate agents in the home buying process.🙌 You'll also hear why we believe owning a home is always a better option than renting, and why it's not just about the interest rate when it comes to purchasing a home. Like Joe says "You don’t buy the house for the interest rate you buy the house because it’s time to buy a house".🏠 Tune in and get ready for some insightful and valuable information. Also, be sure to check out our 'Show Extras' tab to see all the stats and charts from today's show! Listen & Learn: 0:50 - Rebecca intros Tara, Joe, & Anthony 2:16 - Recap of the last market update 4:10 - Rebecca recaps the stats from our last market update 5:06 - Joe’s thoughts on the market now compared to the last episode and why we are where we are 7:32 - Tara’s thoughts on the market now and consumer debt 8:56 - Rising rents explained 9:23 - What is Anthony’s company Navi Title seeing with the housing market and current interest rates 10:53 - Everyone is paying higher interest rates, businesses, car loans, etc. 11:40 - Anthony’s charts on the current market 13:05 - 48 consecutive quarters of positive price appreciation chart 14:30 - Why we think purchasing real estate is the safest investment 16:19 - Americans sitting on tremendous equity chart 17:08 - Why we believe real estate agents are an essential part of home buying process 19:43 - Our thoughts on the NAR lawsuits and settlements 24:36 - Anthony’s chart on co-broke offered to buyer’s agents 27:42 - Fannie Mae responds to the NAR lawsuits 29:58 - What we think about the current interest rates 33:39 - Rebecca covers the Cromford stats 36:26 - Most expensive city to buy in the valley 37:05 - The Cromford index chart explained 37:55 - Anthony’s final thoughts for today’s show 38:40 - Joe’s final thoughts 39:43 - Tara’s final thoughts 40:32 - Rebecca’s final thoughts Special Guests: Anthony Penna - Senior Vice President at Navi Title: Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards. Phone: 602-510-8848 Email: apenna@navititle.com Website: www.navititle.com/ Joe Smith - Owner/Broker of Epic Mortgage: Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you're gonna want to go to for advice on lending! Phone: 602-741-4121 Email: joe@myepicloan.com Website: www.myepicloan.com Tara Krieg - Owner of TK Team Lending: Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years' of experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Phone: 480-344-1951 Email: tkrieg@amerifirst.us Website: www.tkteam.us

Join us for the latest episode of Grateful Heart as we sit down with Natalia Karayaneva, the visionary founder and CEO of Propy. This Silicon Valley company is on the forefront of revolutionizing the home purchasing process through smart contracts and AI technology.🏠 With an impressive background as an award-winning real estate developer and software engineer, Natalia is a true pioneer in the world of blockchain technology and real estate. During our conversation, we dive into the recent news of Propy’s partnership with Coinbase and its impact on the future of real estate transactions.🎉 Natalia talks about her vision for Propy and the importance of putting deeds on the blockchain. They also touch on the topic of the metaverse and how one day soon you will be able to tour all home listings virtually. Rebecca shares her experience at the recent Propy conference in Miami, where Natalia was joined by other big names in the industry who support Propy and their mission. Natalia then goes on to share her inspiring journey as a woman in the tech industry and why she believes in the power of cryptocurrency.🪙 Plus, she gives valuable advice for beginners looking to get started in crypto and the signs to look for when it comes to timing your investments. Don't miss this insightful and inspiring conversation with CEO Natalia Karayaneva.🙌 Listen & Learn: 1:20 - Rebecca intros Natalia Karayaneva CEO of Propy 2:45 - What happened to Propy on March 13th 4:15 - You can now mint your home address 5:15 - Our first episode with Propy (check out episode 99) 6:11 - Natalia’s Instagram story about her vision for Propy 7:55 - Why Natalia likes and recommends Coinbase 10:15 - Why should you put your house deed on the blockchain? 12:25 - The future of real estate and the metaverse 17:27 - Rebecca talks about the Propy conference in Miami and the big names that support Propy 20:28 - Natalia’s journey with getting to where she is today especially as a woman in the industry 22:47 - What signs did Natalia see that prompted her to buy more crypto 25:25 - Natalia’s thoughts on bitcoin dropping 26:25 - Natalia’s final thoughts and how to get started in Crypto 28:47 - Rebecca’s final thoughts Special Guests: Natalia Karayaneva Founder/CEO of Propy, Inc: Natalia Karayaneva is the founder and CEO of Propy, WEF pioneer, - a Silicon Valley company revolutionizing home purchasing via smart contracts and AI. She is an award-winning real estate developer, software engineer, and a serial entrepreneur with extensive knowledge in real estate and cryptography. Natalia is a frequent speaker at web3 and proptech events globally. She is a contributor to Forbes. Natalia has a degree in Computer Engineering, and a degree in Sustainable Urban Development from the University of Oxford. As a real estate professional for 15 years, Natalia was frustrated with how time-consuming and rife with fraud real estate transactions were. Propy was built with the vision to automate the real estate sales process. Propy’s Transaction Management Platform is an all-in-one solution that revamps the purchase process by leveraging the latest in groupware and blockchain technology. The Palo Alto-based company is writing new pages in real estate history by introducing the technology to allow entirely online and self-driving real estate transactions on smart contracts. Website: https://propy.com/home Email: support@propy.com Follow us on Instagram & Facebook @GratefulHeartTv 😄 Listen🎧, Rate🌟, & Subscribe on Spotify & Apple Podcasts.

Join our host Rebecca Rains and Gary Hix, a certified well driller and pump installer, registered professional geologist, and certified real estate instructor, as they discuss the importance of National Groundwater Awareness Week.💧🙌 With the misperceptions surrounding Arizona's water situation, it is crucial to educate ourselves and raise awareness about the importance of groundwater. During this episode, Gary shares fascinating insights and data about the Earth's water and the significant impact of using 27 trillion gallons of groundwater in the US each year.😧 They also delve into where Arizona's water supply comes from and how it is used, including the state's water right laws and the Reasonable Use Law. In addition, Gary sheds light on the process of drilling private wells and the concept of county islands in real estate.🏠 Gary's extensive expertise in the field of water wells and groundwater is evident as he discusses the role of a well manager and emphasizes the importance of having licensed and professional well inspectors. He also offers helpful resources such as his E-books📚 for those interested in learning more on these subjects. (Check out our Show Extras tab for the link to his books) The conversation takes an interesting turn as Rebecca shares her personal experience navigating the challenges of finding water in Northern Arizona.🌲 Don't miss this insightful episode where Gary and Rebecca bring attention to the vital role of groundwater and the need for proper management and conservation. Listen & Learn: 0:48 - Rebecca intros Gary Hix 1:56 - Groundwater Awareness Week 3:13 - The misperception of Arizona’s water situation 4:30 - Amount of households that have their own wells 5:30 - Why Rebecca reached out to Gary in the first place 7:45 - What the National Association of Groundwater represents 12:03 - Gary’s slides on Earth’s water 13:35 - 27 trillion gallons of groundwater is used in the U.S. each year 14:10 - Where Arizona’s water supply comes from 16:25 - How Arizona’s water is used & our water right laws 17:50 - Reasonable Use Law 24:48 - If a homeowner wants to drill a private well can they? 26:10 - What is a county island in regard to real estate 27:56 - Gary’s books on water wells and groundwater 29:45 - What is a well manager & what does it mean to have a shared water well? 32:50 - Where can you get Gary’s E-books? 34:00 - Why Gary is advocating for professional and licensed well inspectors 35:30 - Rebecca’s story about the difficulties of finding water up north Special Guests: Gary Hix - Certified Well Driller and Pump Installer, Registered Professional Geologist, & Certifed Real Estate Instructor: Gary Hix has worked in the groundwater industry for over 40 years. He is the owner of In2Wells and now spends his time in Arizona, occasionally consulting to private well owners, lawyers, realtors and well drilling pump installing businesses. For many years Gary was actively involved with the National Groundwater Association, where he was a Contributing Editor to their Water Well Journal magazine, a frequent workshop instructor and nominated as the Groundwater Foundations’ McEllhiney Distinguished Lecturer for 2019. His years of experience in many different areas surrounding water wells, well drilling, pump installing, real estate transactions of properties with wells, shared water wells, construction defects and environmental issues has prepared him for him to provide expert witness services when needed. Website: https://in2wells.com/ Email: gary.hix@cox.net Follow us on Facebook or Instagram @GratefulHeart.Tv💖 Listen🎧, Rate🌟, & Subscribe on Spotify & Apple Podcasts

In Episode 155, our expert sponsors Tara Krieg of TK Team Lending, Anthony Penna of Navi Title, and Joe Smith of Epic Mortgage join us to share their insights on the current market stats and trends.🏠📈 We kick off the episode with a look back at our previous market update in December. But the real excitement begins when we dive into the predictions for 2024 – the "year of the 5's" – with a chart showcasing mortgage rates and treasury yield data from the past 50 years.🙌 Discover the surprising home appreciation📈 percentages this year and get a glimpse into the future with the 2024 Home Price Forecast chart. You'll also learn why homeowner net worth is a whopping 40 times higher than renters.🤯 But the biggest surprise? Market crash forecasters have been proven WRONG as home prices continue to rise by 8%. Don't miss out on valuable insights as our host and expert sponsors explain the average price point chart and discuss the storm⛈️ that is STILL coming. But it's not all about predictions. Our experts also share their knowledge on short sales and give valuable advice for both buyers and sellers.😄 Tune in now to stay updated on the latest market trends and predictions! Be sure to check out our 'Show Extras' tab to see all the stats and charts from today's show! Listen & Learn: 0:45 - Rebecca intros Anthony, Tara, & Joe 2:07 - We touch on our previous market update in December 3:10 - 2024 is going to be the year of the 5’s 5:00 - Chart on 50 years of data on Mortgage Rates & Treasury Yield 6:09 - Mortgage rate projections from Fannie Mae 9:35 - The average amount of credit card debt & homeowner equity 11:30 - Top 3 reasons buyers paused decision 12:15 - Inventory is still down 13:10 - Home appreciation percentages this year 14:16 - 2024 Home Price Forecast chart 16:00 - Homeowner net worth is almost 40x greater than a renter 21:40 - Home prices are up by 8% and market crash forecasters are wrong 23:10 - The market index chart and what cities are still the most popular for buyers 24:36 - Average price point chart explained 26:15 - The storm is still coming 29:45 - Market odds on Fed Cut chart explained 30:38 - Fed Dot Plot chart 32:08 - 2024 Real Estate Forecast chart 33:45 - What a short sale is Special Guests: Anthony Penna - Senior Vice President at Navi Title: "There is nothing more satisfying than helping people achieve their goals by providing them with opportunities to excel in their business. It’s an awesome process that I feel very fortunate to be a part of." Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards. Phone: 602-510-8848 Email: apenna@navititle.com Website: www.navititle.com/ Joe Smith - Owner/Broker of Epic Mortgage: Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. After 17yrs in traditional retail banking, working for many top companies in the mortgage business he decided to make a jump to becoming a mortgage broker himself. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you're gonna want to go to for advice on lending! Phone: 602-741-4121 Email: joe@myepicloan.com Website: www.myepicloan.com Tara Krieg - Owner of TK Team Lending: Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years' of experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Her specialties include loan origination, credit education, mortgage-related financial consulting and planning, and personal coaching of Junior Loan Officers. Phone: 480-344-1951 Email: tkrieg@amerifirst.us Website: www.tkteam.us Follow us on Facebook or Instagram @GratefulHeart.Tv💖 Listen🎧, Rate🌟, & Subscribe on Spotify & Apple Podcasts