PODCAST · education
It's Real
by Kayla Kallander & Andrew Yaggie
Welcome to the "It's Real" Podcast with Kayla Kallander, mortgage lender, and Andrew Yaggie, realtor. Each week we'll talk about what happens behind the scenes working full-time in real estate and share with you real life stories, our successes, and hurdles as we work to help consumers and industry professionals reach their real estate and real life goals!
Episodes
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Episode 120 - Rising Mortgage Rates & Preparing for Your Next Real Estate Move
Episode 120 of the It’s Real Podcast is live with Kayla Kallander and Andrew Yaggie! This week, they break down what rising mortgage rates mean for homebuyers and why your interest rate is only one piece of the bigger financial picture. They also discuss preparing for your next real estate move,...
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Episode 119 - Buyers Disqualifying Themselves, Parents Co-signing, Gifts, Being Comfortable After You Buy
Episode 119 of the It’s Real Podcast is all about navigating real estate—and life—when there isn’t always an obvious “right” answer. Andrew Yaggie and Kayla Kallander catch up on the start of a new month, new goals and family life before diving into what they’re seeing firsthand with buyers,...
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Episode 118 - Mortgage Rates, Home Equity & Smarter Real Estate Decisions
This week, Andrew Yaggie and Kayla Kallander are talking about what really matters when buying, selling, and financing real estate — and why the lowest mortgage rate isn’t always the best financial decision. We’re digging into: - Why buyers should look beyond the interest rate - How homeowners…
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Episode 117 - Mortgage Rates, 50-Year Mortgages & What Good Advice Really Looks Like
Episode 117 of the It’s Real Podcast is live with Kayla Kallander and Andrew Yaggie. This week, they get into real estate, mortgages, and what it really takes to guide clients through today’s market. They discuss why the lowest advertised mortgage rate isn’t always the best deal, whether waiting...
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Episode 116 - Why the Best Real Estate Professionals Don’t Work With Everyone
There’s no easy button in real estate.. or in life. In this episode of the It’s Real Podcast, Kayla Kallander and Andrew Yaggie discuss where mortgage rates may be headed, why home equity is reaching record levels for many homeowners, and how AI is changing real estate and lending. They also talk...
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Episode 115 - Are homebuyers becoming house poor? The affordability reality no one talks about
In Episode 115 of the It’s Real Podcast, Kayla Kallander and Andrew Yaggie break down a surprising Truework homebuyer report that found 88% of recent homebuyers with a mortgage say a common financial setback could put their monthly mortgage payment at risk. They discuss the difference between...
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Episode 114 - Mortgage Rates, Federal Reserve & Housing Market Update
Episode 114 of It's Real Podcast breaks down the latest Federal Reserve meeting, what it could mean for mortgage rates, and why homebuyers should focus on long-term affordability instead of chasing the lowest interest rate. Kayla and Andrew also discuss why Minnesota, North Dakota, and South…
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Episode 113 - Why Great Real Estate Professionals Set Higher Standards
Episode 113 of It's Real Podcast explores what sets great real estate agents and mortgage professionals apart. Kayla and Andrew discuss real estate fraud, using AI responsibly, building stronger client relationships, and why asking better questions leads to better outcomes. They also share…
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Episode 112 - What Homebuyers and Sellers Need to Know Right Now
Episode 112 of It's Real Podcast breaks down the latest housing market trends after the Fourth of July. Kayla and Andrew discuss mortgage rates, buyer uncertainty, why a true mortgage consultation matters more than a pre-approval letter, and how sellers should approach pricing in today's market....
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Episode 111 - Housing Market Update: Homebuyers, Mindset & Real Estate Success
Episode 111 of It's Real Podcast recaps the biggest lessons from the Hatch Real Estate Summit while exploring today's housing market. Kayla and Andrew discuss home affordability, consumer debt, why waiting to buy could become more expensive, and what real estate agents, mortgage lenders, and...
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Episode 110 - Is the American Dream Changing? Housing Market & Mortgage Trends
Episode 110 of It's Real Podcast explores the future of homeownership and the latest housing market trends. Kayla and Andrew discuss why qualifying for a mortgage is becoming more challenging, how changing income patterns are affecting homebuyers, and what the rise of AI means for real estate and...
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Episode 109 - Why Homeownership Looks Different Today
Episode 109 of It's Real Podcast explores the latest housing market trends and why the path to homeownership is changing. Kayla and Andrew discuss rising closing costs, parents helping with down payments, more young adults moving back home, and why many real estate agents are leaving the…
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Episode 108 - Overcoming Fear & Reaching Your Real Estate Goals
Episode 108 of It's Real Podcast explores the mindset behind today's housing market. Kayla and Andrew discuss buyer uncertainty, affordability concerns, and why fear and assumptions often keep people from reaching their homeownership goals. Through real client stories, they share practical advice...
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Episode 107 - AI, Branding & Business Growth for Real Estate Entrepreneurs
Episode 107 of It’s Real Podcast - This week, Kayla and Andrew discuss how AI is transforming business, why branding and relationships still drive long-term success, and what it takes to build a scalable business in today's market. They also share insights on real estate, mortgage,...
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Episode 106 - Housing Market Update: Buyer Opportunities & Real Estate Trends
Episode 106 of It’s Real Podcast - Americans are feeling more financial pressure, yet the housing market continues to gain momentum. In this episode of It's Real Podcast, we discuss why Midwest homebuyers are seeing new opportunities, whether you can cancel a real estate contract, the impact of...
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Episode 105 - Spring Housing Market Update: Interest Rates, Homebuyers & AI Fraud
Episode 105 of It’s Real Podcast - Spring is bringing new momentum to the housing market. In this episode of It's Real Podcast, we discuss the latest real estate market trends, how interest rates are influencing homebuyers, why new construction could present new opportunities, and what declining...
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Episode 104 - Why Great Real Estate Agents Do More Than Open Doors
Episode 104 of It’s Real Podcast - From unpredictable Midwest spring weather to celebrating a record month in business, this episode of It's Real Podcast covers much more than what's happening in the market. We dive into the growing gap between real estate agents who truly guide their clients and...
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Episode 103 - Kayla's in the hot seat
Episode 103 of the It’s Real Podcast flips the script—we put Kayla in the hot seat and get into the real stuff behind the business. Here’s what we got into: • Who Kayla really is beyond social media — “sharky and goofy” • Why education, empowerment, and empathy matter more than just rates •…
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Episode 102 - Burnout & Boundaries and Why the Market is Touch and Go
Episode 102 of It’s Real Podcast - This one covers a little bit of everything from what we’re actually seeing in today’s real estate market to the real conversations happening behind the scenes. We dig into: Why the market feels a bit "touch and go” right now, What buyers and sellers are really…
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Episode 101 - Andrew In The Hot Seat - Career Pivots, Marketing, AI, Good & Great Realtors
Episode 101 of the It’s Real Podcast - This week Kayla flipped the script and put Andrew in the hot seat. We talked about: The difference between good and great realtors - Why communication and marketing matter in today’s market - AI and tech tools changing the industry - Career pivots and…
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Episode 100 - Power of Consistency, Scaling Your Business & The Danger of Being Too Busy
What if the key to growth isn’t doing more… but doing less? In Episode 100 of the It’s Real Podcast, we talk about: • The power of consistency • Why some clients aren’t meant to work with you • Delegation, systems, and scaling • The danger of being “too busy” • And why quiet time might be the…
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Episode 99 - A Strong 2026, Refinance Myths & Truths, & Education Beats Headlines In Real Estate
The It’s Real Podcast with Kayla Kallander & Andrew Yaggie Episode 99 marks a major milestone for The It’s Real Podcast, and Kayla Kallander and Andrew Yaggie take the opportunity to reflect on nearly 100 episodes of real conversations about real estate, mortgages, money, and the realities behind...
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Episode 98 - The Biggest Wealth-Building Tool - Is Renting Better Than Owning?
Kayla Kallander and Andrew Yaggie dive into a powerful conversation around homeownership, wealth-building, mindset, and why so many people delay getting into the game — often at a major long-term cost. They unpack insights sparked by a recent Diary of a CEO episode featuring David Bach (author of...
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Episode 97 - AI in Real Estate, Mortgage Rate Headlines, Refinancing
Kayla Kallander & Andrew Yaggie cover what’s really happening as the market wakes up after the holidays, why January momentum matters, and how clarity and education are becoming the biggest advantages for buyers and homeowners. They discuss: • The “circle back” effect and why buyer and refinance...
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Episode 96 - AI, Tech, Working Smarter & Recent Headlines
In Episode 96, Kayla and Andrew reflect on renewed energy for the industry, team growth, and the importance of relationships, networking, and long-term consistency. They discuss using technology and AI to work smarter, prioritizing quality over quantity, and navigating today’s real estate market...
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Episode 95 - 2025 Mortgage & Real Estate Headlines We're Leaving Behind
In Episode 95 of the It’s Real Podcast, hosts Kayla Kallander and Andrew Yaggie reflect on nearly 100 episodes of real, unfiltered conversations from the front lines of real estate and mortgage. This episode dives into year-end reflection, mindset shifts, and the headlines buyers and sellers…
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Episode 94 - Holidays Are The #1 Reason People Rethink Homebuying
The It’s Real Podcast with Kayla Kallander & Andrew Yaggie In this episode of The It’s Real Podcast, Kayla and Andrew discuss why December is anything but slow, how buyer motivation is showing up in unexpected ways, and why the holiday season often triggers serious reflection around housing,...
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Episode 93 - Separation Season in Real Estate, 2026 Prep for Homebuyers, Interest Rates vs the Need & Want to Buy
The It’s Real Podcast In this episode, Kayla and Andrew cover a surprisingly packed December, the myth of “slowing down” during the holidays, and what separation season really looks like for agents, lenders, and anyone trying to build momentum heading into 2026. We talk through: • Early-morning...
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Episode 92 - Preparing for the 2026 Market + Gratitude and Clear Planning
The It’s Real Podcast In this episode, Kayla and Andrew talk through what buyers and sellers need to know as we head into the winter season and prepare for the 2026 market. We break down: • Why December is the smartest time to get pre-qualified • How to get ahead of the January and February rush…
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Episode 91 - 50 Year Mortgage & Holiday Homebuyers
🎙️Is the 50-Year Mortgage a Lifeline or a Landmine? Find out what real estate pros really think! In Episode 91 of the It's Real Podcast, Kayla Kallander and Andrew Yaggie dive into the controversial buzz around the proposed 50-year mortgage. Is it the future of affordability or a financial trap?...
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Episode 90 - Gift Money Rules, Using AI & Government Shut Down Update
Episode 90 of *It’s Real* just dropped—Kayla Kallander & Andrew Yaggie are back! We’re chatting 90 episodes (!), the government shutdown slowing down USDA & flood insurance, why first-time buyers are now 38 😳, gift-money rules, and how to use AI without sounding like a robot. Then we laugh…
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Episode 89 - Chasing Rates, Government Shutdown and Getting Pre-qualified is Non-Negotiable
Join us for Episode 89 of the *It's Real* Podcast with Kayla Kallander and Andrew Yaggie! We’re breaking down the 2025 real estate hustle - debunking myths about chasing "COVID-era rates," tackling the government shutdown’s impact on USDA loans and flood insurance, and why renting could be the...
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Episode 88 - Coaching Clients, Seller Psychology & Emotions in Real Estate
This week, Kayla and Andrew get real about the strange mood in the current housing market and how both clients and agents are responding to it. Inside the episode: Why this fall feels slower than expected and how to coach clients through that. Kayla shares conversations with buyers waiting for...
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Episode 87 - Fall Market Shifts, AI Fails, and Smarter Seller Strategies
Kayla and Andrew kick off fall with a candid conversation about shifting market conditions, AI tools that help (and sometimes hurt), and what sellers really need to consider when entertaining offers. Kayla shares insight on how fewer lenders in the business is leading to more refinance...
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Episode 86 - The NextGen Homebuyer Report Is In! Mortgage Rate Truth, AI, & Trigger Leads
This week, Kayla and Andrew get REAL about: The NextGen Homebuyer Report by Kristin Messerli which is packed with powerful data is in, why mortgage rates aren’t what the headlines say, the shocking truth behind the 20% down payment myth, trigger leads, AI, and what buyers REALLY need to know in...
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Episode 85 - Seller Emotions, Price Resistance, Midwest Inventory & Slowing Down to the Speed of Joy
“A Slowdown, a Shift, and Some Perspective” Join Kayla and Andrew as they sit down to reflect on the housing market, shifting seasons, and the deeper stuff that matters. * Fall is sneaking in, and so is the PSL—no price hikes at Starbucks, but real estate? That’s another story. * They discuss...
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Episode 84 - 43% of Millennials Buy Homes Because of This & Rates Goals Under 6%
From unexpected hallway reunions to why millennials are buying homes for their dogs, this episode covers it all with equal parts fun and insight. Here’s what’s inside: - Andrew shares a back-to-school tradition and a surprising real-life run-in - Kayla recaps the Homeward Animal Shelter event and...
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Episode 83 - Mixed Messages From Media, Burnout in the Biz, Confusion to Clarity
In this episode, Kayla and Andrew unpack what’s really happening in the market—and why agents and clients alike are feeling off track. Whether it's affordability myths or mixed messages from the media, this week’s conversation is equal parts real talk and strategy reset. Here’s what they cover: -...
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Episode 82 - Listings Pulled, Truth About Affordability, Rates and Misconceptions
Episode 82 is here—and it's all about wrapping up summer and ramping up real estate. Kayla and Andrew are back from lake weekends, packed client schedules, and too many summer projects to count. In this episode, they’re diving into: - Why August is the new “reset button” for real estate goals…
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Episode 81 - Kayla's Trip (Dangerously Inspired), Start Your Home Journey Earlier Than You Think
After a short summer break, Kayla and Andrew are back—and they’re bringing all the realness: client wins, market challenges, and a dose of hard-earned perspective. In this episode, they dive into: * Why trust and experience matter more than ever when choosing a lender or realtor * Kayla’s top...
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Episode 80 - Midwest Storms, Hidden Value in Making An Offer, & Commission Breath
**It’s Real Podcast – Episode 80 is live and full of heat—just like the market storms rolling through the region** From snapped docks and storm damage to a packed housing update, Kayla and Andrew are back with one of their most honest episodes yet. This week, they talk about: * Why today’s buyers...
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Episode 79 - Real Estate Anxiety, Slow Down to Speed Up, & Buyers Getting Beat Out
Summer mode is on, the market is moving, and Kayla and Andrew are back—this time with some serious real talk from the airport and the lending desk. This episode covers: * Why buyers are getting beat out again (yes, already) * The surprising shift in mortgage rates—and how timing matters more than...
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Episode 78 - We're IN PERSON! What Realtors & Buyer Might Now Know (Lender Perspective)
For the first time ever, Kayla and Andrew are together in real life recording this special episode—and they’re doing it for all the right reasons: a shared client is closing on their new home today. This week, the duo dives into: * The power of preparation—why pre-approval matters more than ever…
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Episode 77 - Highs & Lows of the Real Estate Business, "Success" on Social, & The "Let Them" Theory
This week, Kayla and Andrew get *real* about the highs and lows of real estate—and life. From adding new team members to losing deals, from planning Derby-style birthday parties to flying floatplanes across Otter Tail, this episode is packed with honest stories, laughs, and major perspective...
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Episode 76 - Seeing Homes Without Pre-Approvals, Emotional & Financial Cost of Waiting
Kayla and Andrew unpack everything from the uptick in lake listings to how buyers are navigating today’s herky-jerky market (yep, we said it). Whether you're on the fence about making a move or trying to make sense of market stats, this episode brings the clarity you’ve been waiting for. In this...
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Episode 75 - Feast or Famine, The Power in the Pre-Approval, Living Beyond Your Means
We’ve made it to 75 episodes—and this one is as real as it gets. Kayla and Andrew are diving into the current state of the housing market, consumer debt, rate volatility, and why this year’s market might be feast or famine depending on where you’re standing. In this episode: -Why some homes are...
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Episode 74 - Horace ND Specials, Work-Life Balance Myth & More
Spring is here (kind of), and so is another packed episode of the It's Real Podcast! This week, Kayla and Andrew dive into everything from bidding wars and lakeshore listings to real estate as an investment, Jeff Bezos’ $63M home sale, and the rise of AI action figures. Plus: The chaos of special...
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Episode 73 - Kayla Shows Behind The Scenes of Interest Rates! Tariffs & A Condo Blacklist?!
Episode 73 of the It's Real Podcast** Tariffs, buy downs, blacklists—oh my. This week, Kayla and Andrew dive deep into everything impacting the real estate market right now. Whether you're wondering how international policy could affect your mortgage or how to save hundreds on your monthly…
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Episode 72 - Rate Fluctuations, Power of Reputation, & Federal Policies
Episode 72 of the It's Real Podcast Spring may be around the corner, but the real estate market is still giving mixed signals—and Kayla and Andrew are unpacking it all in this week's episode. From rate fluctuations to the power of reputation in real estate, this conversation is a must for buyers,...
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Episode 71 - Rate Shoppers vs Relationship Shoppers, Reputation & Experience Matter
Episode 71 of the It's Real Podcast** The spring market is in full swing, and this episode is all about **shoppers**—the good, the bad, and the frustrating. Kayla and Andrew dive into why some buyers are stuck on rate shopping instead of relationship-building and why finding the right real estate...
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ABOUT THIS SHOW
Welcome to the "It's Real" Podcast with Kayla Kallander, mortgage lender, and Andrew Yaggie, realtor. Each week we'll talk about what happens behind the scenes working full-time in real estate and share with you real life stories, our successes, and hurdles as we work to help consumers and industry professionals reach their real estate and real life goals!
HOSTED BY
Kayla Kallander & Andrew Yaggie
CATEGORIES
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Frequently Asked Questions
How many episodes does It's Real have?
It's Real currently has 120 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is It's Real about?
Welcome to the "It's Real" Podcast with Kayla Kallander, mortgage lender, and Andrew Yaggie, realtor. Each week we'll talk about what happens behind the scenes working full-time in real estate and share with you real life stories, our successes, and hurdles as we work to help consumers and industry...
How often does It's Real release new episodes?
It's Real publishes regularly with 120 episodes available. Check the episode list for the typical release schedule.
Where can I listen to It's Real?
You can listen to It's Real on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts It's Real?
It's Real is created and hosted by Kayla Kallander & Andrew Yaggie.
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