Venture With Joe and Cody

A nine-year-old asking real estate questions turns out to be the fastest way to cut through the noise. We’re joined by Cora for a relaxed, funny, and surprisingly sharp conversation that explains home buying and home selling in plain English, the way most people wish the industry talked all the time.We start with the personal side of the job: why we chose real estate in the first place, what “freedom” really looks like day to day, and how much of this business is built on being present for clients when the pressure is on. Then Cora jumps straight into the big one: why houses cost so much money. We break down the basics behind home prices, including inflation over time, construction costs, labor, and what buyers are up against when “starter homes” don’t feel starter-priced anymore.From there, we get practical. We talk staging and why it helps homes sell faster and for more, even when buyers think they can picture an empty room. We dig into home inspections, what they can uncover, and how inspection results become real negotiating power. We also get real about what it feels like when a deal closes, including that odd “breakup” moment when you go from constant texts to silence overnight.We wrap with what’s slowing the housing market down right now, how mortgage rates shape affordability, and one piece of advice we’d give any new realtor who wants to last. Subscribe to Venture with Joe and Cody, share this with a friend who’s house hunting, and leave a review. What’s the one real estate question you wish someone would answer straight?

You can build a solid business and still feel weirdly terrified to spend a dime. That’s the mental whiplash of commission income, and we get candid about it: the good months feel amazing, the slow months mess with your confidence, and suddenly a family trip or a home upgrade can feel like a reckless gamble even when the numbers say you’re fine.We dig into the real question underneath “Should we save or spend?” If your kids are growing up right in front of you, what is money for if it never turns into time together? We talk through big-ticket wants like travel, summer projects, and those once-in-a-lifetime experiences, plus the less glamorous reality of medical and dental costs that show up at the same time. Along the way, we challenge ourselves with a tough hypothetical: would you rather have $100,000 more saved in ten years or have done twice as much with your family?We also hit the messy middle of credit card debt, business debt, and the difference between intentional spending and mindless swiping. Yes, Dave Ramsey comes up, and we unpack why extreme rules can feel out of touch for business owners, while still respecting the basics of responsible budgeting. We finish by zooming out to generational money habits, why our parents’ “just get by” mindset still affects us, and why being present with your kids matters more than another work win.Subscribe to Venture With Joe and Cody, share this with a friend who’s stuck in the save-versus-live spiral, and leave a review with your take: where do you draw the line between financial security and a life well lived?

Mortgage insurance is one of the most common “mystery fees” in real estate, and it quietly inflates monthly payments for years when buyers do not know their options. We break it down in plain English: what mortgage insurance is, who it protects, and why it shows up when you put less than 20% down. The biggest mindset shift is simple: PMI is not there to help you. It’s there to protect the lender, which means you should have a plan to remove it when you can.We walk through the rules that matter most for real people making real decisions, including the difference between conventional PMI and the mortgage insurance attached to FHA loans and USDA loans. We also get tactical on how PMI removal actually works, from reaching out to your loan officer to using an appraisal and documenting upgrades that can support a higher home value. If you have been waiting for PMI to “fall off” on its own, you may be leaving money on the table.Then we dig into the more strategic side of loan structuring: single premium PMI buyouts, using seller credits the right way, and why contract wording can accidentally limit what your credit can pay for. We also cover a critical refinance reality: if you pay money upfront to eliminate PMI or buy down your rate, that benefit is tied to that specific loan, and a refinance can put you right back where you started if you do not have enough equity yet.If you want a smarter mortgage payment and fewer surprises, listen through, share it with a buyer who is trying to make the numbers work, and subscribe so you do not miss what we cover next. After you listen, what question do you still have about mortgage insurance or PMI removal?

Your first home showing might not be a showing at all. It might be a 3D tour you watch 17 times, a video walkthrough, an aerial clip, or a quick scroll that makes you think you already know the place. We dig into how that shift is changing real estate for buyers and sellers, and what it means for making confident decisions in today’s market.Joe Skipper (Skipper Realty, Oregon) and Cody Wilhelm (Residential Mortgage) break down why curb appeal still matters, but virtual tours are often the real first impression now. We talk about what buyers can learn online, what they can’t, and why fewer physical showings does not always mean low demand when marketing is strong. Then we get practical: how to check the neighborhood, read parking and traffic patterns, and avoid falling so hard for the house that you forget to evaluate the street.We also cover the newer traps, including AI-enhanced photos, heavy editing, and virtual staging that can make a home feel brighter or cleaner than reality. We explain why 3D walkthroughs can give a more honest sense of light and layout, and why smell and overall vibe still require an in-person visit. Finally, we share a negotiation-saving reminder that too many buyers learn the hard way: assume you’re being recorded during showings, from Ring doorbells to interior cameras, and keep your reactions from becoming the seller’s leverage.Subscribe for weekly Friday episodes, share this with a friend who’s house hunting, and leave a review with your best “must-check” tip before making an offer.

Big brokerage acquisitions are accelerating, and we unpack what that means for brands, agents, and the tech that shapes the client experience. We also reset the basics for first-time homebuyers navigating new buyer agreements and a market where online answers are not always reliable. • Compass acquiring Anywhere Real Estate and what that signals for industry consolidation • eXp Realty acquiring NextHome and why Google visibility matters • Why most acquired brands likely keep their names • The real reason companies buy companies: agents, tech, training, resources • What boutique brokerages can do well and where scaling gets tough • Why some agents and lenders keep switching companies and when it backfires • Big banks, lending overlays, and how servicing drives stricter rules • First-time homebuyer reminders: pre-approval, down payment, closing costs, earnest money • Buyer agency agreement changes after the NAR lawsuit and how to ask questions early If you haven't already, subscribe and like Venture with Joe and Cody. Follow us on our social media, YouTube, Instagram, Facebook, all the stuff.

We bounce from parenting war stories to the mortgage market, then land on the real question: what makes a human professional valuable when AI can spit out answers instantly. We talk mortgage rates in the mid-sixes, the Fed, and how agents and lenders stay relevant by being available, fast, and genuinely helpful.• childhood discipline memories and how different kids react to consequences • busy family schedules and how time pressure shapes decisions • inflation realities like $5+ gas and what it signals emotionally • mortgage rates around 6.3% to 6.5% and what buyers are weighing now • Fed leadership change and why rate cuts are not simple • AI in the home buying process for comparing rates, affordability, and scenarios • AI tools in lending for guidelines, marketing, and future underwriting automation • practical real estate tools like seller net sheets and rental data packets • why “I don’t answer after 5” is a losing business model • tech nostalgia and the shift from living moments to recording them sign up, subscribe for Venture with Joe and Cody. We have a live stream that goes on every Thursday night as well. So go to Facebook and YouTube if you want to hear us live. But like and subscribe, give us a review, and let us know how we’re doing.

A single bad drill hole can ruin your day, but it can also teach you more about homeownership than any tutorial ever will. We start with the real stuff: turning a spare room into a guest room studio for podcast recording, the annoying reality of knocking pipes, and why rerouting plumbing and drain lines can get pricey fast. Then we swap war stories, including the kind of stud-finder fail that ends with a TV mount and a very unfortunate drain pipe.From there, we zoom out to what buyers and homeowners are feeling right now in real estate and mortgage lending. We talk new loan programs coming online, what “bringing it in-house” means, and why the 30-year fixed mortgage rate can swing on headlines tied to geopolitics, the 10-year Treasury, and even Federal Reserve bond buying. If you’ve been watching rates bounce and wondering whether anything is actually “normal” anymore, we put that movement into plain language.We also dig into today’s buyer behavior: why people are pickier, why some homes fly off the market while others sit, and how open houses can feel like a low-commitment workaround when buyers don’t want to sign paperwork too early. We wrap with a practical take on closing day support, why notaries and title signings can get confusing, and a quick flashback to the truly wild COVID years (yes, including the toilet paper aisle). Subscribe, share the episode with a friend, and leave a review so more buyers and homeowners can find the show.

Vegas is fun. Forgetting your own home address, not so much. We start with a little real-life chaos, then shift into what you actually came for: a clear read on the 2026 Oregon real estate market from a working agent and a working lender. The vibe right now isn’t “boom” or “bust” it’s stable but unpredictable, and that makes timing advice a lot less useful than most people want it to be.We talk through what we’re seeing with sellers who bought during the pandemic, paid a premium, and now expect another big jump. Days on market feel longer, patience feels harder, and the old seasonal rules don’t always hold. At the same time, buyers are adapting. Homes that sit for a few weeks are starting to look like opportunity, not a warning sign, and the conversation is shifting back to leverage, negotiations, seller credits, and realistic expectations around mortgage rates.We also get practical about decision-making. The housing market moves in years, not weeks, and most people don’t care until life forces a move: new jobs, kids, downsizing, landlords selling, or just being done with waiting. If the sticking point is payment or cash to close, we break down the kinds of financing tools that can help, including closing cost strategies and temporary rate buydowns. If you want more guidance, we’re also putting together a live buyers webinar in May where you can ask real questions and get real answers. Subscribe, share this with a friend who’s stuck on the fence, and leave a review so more buyers and sellers can find us.

A business name sounds like a logo detail until you realize it is the decision you will wear on every sign, email, and client introduction for years. We open with the real pressure behind a real estate rebrand, how to “date” a name before you commit, and why even small choices can feel permanent when you run your own shop. Along the way we swap the everyday moments that keep this work human, from kids’ sports to the kind of sunburn you cannot show up to a showing with.Then we zoom out to the bigger reality of real estate and mortgage life: it is hard to turn work off. We talk honestly about work-life balance, why taking a simple 10-minute walk can feel impossible during “work hours,” and how home projects and family time compete with the constant urge to be productive. If you are an agent, lender, or business owner, you will recognize the see-saw between feeling behind at work and feeling behind at home.On the practical side, we share what we are building for clients, including a seller net sheet calculator that helps homeowners estimate net proceeds with adjustable inputs like sale price, payoff, commissions, concessions, closing date, and taxes. We also dig into home appraisal and home inspection stories, including a $50,000 appraisal gap, why you often cannot just order a new appraisal, and the inspection surprise that exposed a rotted septic tank. And yes, we even talk about finding a grave on a property. If you are buying or selling a home, these are the real-world details that matter.Subscribe, share the show with a friend, and leave a review, and tell us: what is the wildest appraisal or inspection surprise you have ever seen?

The moment you’re told you can’t use “Realty” in your name anymore, you find out fast whether your brand is real or just a placeholder. Joe and Cody talk through a forced real estate team rebrand under a larger brokerage, what makes a name timeless, and why most real estate logos feel the same. We want a brand that’s simple, wearable, and marketable, the kind of thing that makes someone stop and ask, “What is that?”From there, we shift into what buyers and sellers keep calling a “weird” housing market. We break down why longer days on market are starting to feel normal again, how buyers are adjusting to mortgage rates, and what we’re seeing with negotiations like seller concessions and price reductions. If you bought during the COVID frenzy with a 2.75% rate and an aggressive overbid, we also unpack why selling today can feel like a gut punch and how to think about the sale and the next purchase as a seesaw.We close with two reality checks: HGTV-style renovation budgets rarely match real-life kitchen remodel and bathroom remodel costs, and AI in real estate is getting weaponized as clickbait. AI can help with speed, but it can also create risk if people stop understanding their own contracts and advice. If you’re buying a home, selling a home, or building a real estate business, this conversation brings it back to fundamentals and clear thinking.Subscribe, share this with a friend who’s waiting on the “perfect” market, and leave a review with your take: what’s the most memorable real estate brand name you’ve seen?

You can learn a lot about real estate from the serious stuff like rates and inventory, but sometimes the fastest way to understand the market is to start with what makes no sense. We kick things off with a wild tour of strange real estate laws across the US, from a two-toilet limit on a tiny island to fence rules, noise restrictions, and even the idea of squatters eventually claiming ownership. It’s funny, but it also reveals something real: most housing rules exist because someone pushed a situation so far that a city or state had to write it down.From there, we shift into the buyer questions we hear constantly, especially from people preparing to buy a home in 2026. We break down the 20% down payment myth, talk through zero down and low down payment mortgage options, and clarify pre-qualification vs mortgage pre-approval. We also tackle the credit score fear around getting pre-approved, including how mortgage credit inquiries are typically treated when you shop lenders.Then we get practical about what can blow up a deal: appraisal gaps, debt-to-income ratio limits, and what underwriting actually looks at beyond one number. We talk inspection strategy and why waiving inspection in a bidding war can be a painful shortcut. We also dig into contingent offers, how to think about sale proceeds, and why it’s smart to keep cash reserves for life after closing. Finally, we talk negotiation mistakes buyers make when emotions run high, including why you should assume cameras are recording you during showings.Subscribe for more real estate and mortgage advice, share this with a friend who’s buying soon, and leave a review if it helped. What part of buying feels the most confusing right now?

That 70-page inspection report you just got is not proof you bought a “bad” house. It’s proof you hired someone whose job is to write down every single thing they can find, from real safety issues to tiny maintenance notes that show up on almost every property. We talk through how to read a home inspection like a pro, how to keep your emotions in check, and how to use the report to make better decisions and stronger repair requests. We also get real about the mortgage side of inspections. As a lender, Cody explains why lenders usually do not need or want your full inspection report, what can happen if it accidentally ends up in underwriting, and how appraisals drive most financing-related repairs. If you’re using a VA loan, FHA loan, or USDA loan, we outline the common “health and safety” triggers that can slow down closing, like peeling paint, exposed wiring, missing floor coverings, water heater strapping, and deck or stair railings. Then we dig into septic inspections and well water tests, including why requirements can vary depending on the investor even when the loan type looks the same on the surface. If you’re buying acreage, a farm property, or any home on septic or well, we share how to plan ahead so you don’t get surprised a week before closing. If you found this helpful, subscribe for more practical real estate and mortgage guidance, share this with a friend buying a home, and leave a review so more buyers can find us. What’s the biggest question you have about inspections right now?

A real estate deal can look solid on paper and still collapse for reasons that have nothing to do with the house itself. We jump into part two of our “top 10 mistakes that could kill a real estate deal” series and count down the top five deal killers we see in the wild, with real examples from the agent and lender side.We start with the emotional one: lowball offers. When sellers reject instead of countering, they can lose momentum, miss the chance to find the buyer’s real number, and sometimes scare off the only offer they’ll get. We also revisit a major listing problem, agents overpricing a home to win the listing and then chasing the market down through price cuts. If you’re selling, we talk about why pricing strategy, comps, and clear expectations beat wishful numbers every time, especially on unique properties like acreage and country homes.Then we get into the lender lane. We unpack why “slow underwriting” often begins with buyers delaying documents during the first week, turning a comfortable timeline into an end-of-contract sprint. We also draw a hard line between pre-qualified and pre-approved, because confusing those two can create instant disappointment when it’s time to write an offer. We close with the biggest takeaway of all: poor communication across agents, lenders, buyers, and sellers is the fastest way to miss deadlines and lose the deal.Subscribe on YouTube, Spotify, or Apple, share this with a friend who’s buying or selling, and leave a review so we can keep making practical real estate and mortgage content. What deal mistake do you want us to tackle next?

A deal can look “under control” right up until the moment it collapses and the frustrating part is that the trigger is often preventable. We’re Joe Skipper (Skipper Realty Group, brokered by eXp Realty) and Cody Wilhelm (Residential Mortgage), and we’re putting real numbers and real accountability behind the mistakes that kill real estate deals. If you’re buying a home, selling a home, or working in lending, this conversation is built to help you spot risk earlier and keep your transaction moving. We start with what we’re seeing in the market: a fast start to the year, then a sudden slowdown, plus the way mortgage rates and headline-level uncertainty can change consumer behavior. From there, we get personal for a minute about parenting and communication, because it mirrors what happens in real estate too. When people feel overwhelmed, they shut down, miss details, and make rushed choices. Then we jump into our “Top Mistakes That Kill Real Estate Deals” countdown and call out who’s to blame and what to do differently. We cover buyers making big purchases during escrow, sellers overpricing based on emotion instead of comps, agents failing to vet buyer financing, and lenders creating last-minute closing cost surprises. We also dig into inspection waivers in competitive markets and why sending an inspection report to underwriting can create problems you never needed. We wrap by teeing up part two, where we’ll finish the remaining deal killers. If this helped you, subscribe so you don’t miss part two, share it with a friend who’s house hunting, and leave us a review with the biggest real estate mistake you’ve seen up close.

AI is moving so fast it can feel like you blink and the rules of real estate change. Joe Skipper and Cody Wilhelm get real about what that speed means for working agents, mortgage lenders, and the buyers and sellers who just want clear answers without opening 18 browser tabs.We dig into AI in mortgage lending, from quicker document review and “fits the box” approvals to the part that still needs a human: structuring a loan, solving edge cases, and guiding clients through underwriting with confidence. Then we shift to AI in real estate and what it does to the market, including why discount listing models may be easiest to automate, and why full-service agents can still stand out by delivering a smoother, more professional client experience.Joe also shows how he used AI to build a client resource hub in under an hour, complete with buyer and seller guides, preferred inspectors and lenders, community links, Zillow and Redfin shortcuts, and practical tools like a mortgage calculator. We even talk about those sketchy “your SEO is terrible” messages and how to use AI to audit your marketing the right way, find keywords, and make smarter content decisions.If you are a real estate agent, loan officer, or homeowner trying to stay ahead of real estate technology, this conversation will give you clear ideas you can actually use. Subscribe, share this with a colleague, and leave a review with the AI tool you are testing right now.

The fastest way to tank a mortgage isn’t bad credit—it’s quiet changes made mid-deal. We pull back the curtain on the small moves that cause big problems, from opening a new credit card to switching jobs right before closing, and explain why underwriting rules care more about documentation and stability than your gut sense of “I can afford it.” Along the way, we share real-world tactics for writing stronger offers without just slashing price.We dive into the hidden levers buyers rarely use: seller-paid closing cost credits, rate buydowns, and clean, simple terms that make your offer easier to accept while protecting your monthly payment and cash reserves. On the lending side, we tackle the number one failure point—income miscalculation at pre-approval—and why experience with overtime, bonuses, and commissions can mean the difference between a fast clear-to-close and a deal that falls apart in underwriting.Sellers get a candid take on pricing ethics. Overpricing to “win the listing” looks bold but usually ends with a long, painful slide to market value. We talk through how to demand data-driven pricing, maintain momentum, and avoid the credibility hit that comes from chasing the market. Throughout, we come back to one theme: communication. When buyers share planned changes, lenders over-document, and agents focus on total deal structure—not just sticker price—everyone wins.If this helped you think differently about buying, selling, or financing a home, tap follow, share with a friend who’s house hunting, and leave a quick review telling us the worst real estate advice you’ve ever heard. Your stories shape our next deep dive.

A beautiful five-acre property near Wilsonville set the stage, but the real tour goes behind the scenes of what it takes to build a real estate or lending business that lasts. We open up about the trade-offs most people never see: the joy of flexible schedules and family time weighed against health insurance premiums, taxes without a safety net, marketing bills that come before revenue, and the late-night anxiety that arrives when a client’s deal wobbles. This is a candid, practical look at self-employment—the freedom, the fatigue, and the focus it demands.We break down the differences between brokers and retail lenders in plain language. More options and higher upside can come with brokers, but so do software costs, processing support, and compliance overhead. Retail lenders often keep everything in-house, cover core systems, and provide benefits and a 401(k) match, though pay per file can be lower. On the agent side, we walk through how “big” commission checks get trimmed by marketing, staging, travel, photography, transaction coordination, and taxes. The lesson: price your service like a business, not a hobby, and measure your true margin.The human side matters just as much. Clients are making their largest purchase or sale, and their stress becomes yours if you let it. We share how to set expectations, respond fast without burning out, and keep reputation high even when conditions get tough. We also get real about retirement for the self-employed: no one auto-enrolls you, so automate SEP-IRA or Solo 401(k) contributions, build a cash buffer, and plan growth with clear math. Freedom is not free, but when you can show up for your kids at 3 p.m. and still deliver for clients at 8 p.m., the cost can be worth it.If this resonated, tap follow, share with a friend who’s debating the leap, and leave a review telling us the one hidden cost of self-employment you wish you had known sooner.

The housing market finally feels calm, but our lives? Still beautifully complicated. We open with steady rates and a sigh of relief after the pandemic-era chaos—remember lines at open houses and offers far over asking? That “boring goodness” becomes a backdrop for a candid, funny, and sometimes tender conversation about what we thought adulthood would be and what it actually asks of us.We talk honestly about relationships and the myth that marriage erases stress. Spoiler: it doesn’t. It reshapes it. Love becomes a practice—communication, repair, and effort when you’re tired. Money and freedom get a reality check too. The dream of doing whatever you want turns into budgeting for gas, groceries, sports fees, and surprise Tuesdays, with a side of “my metabolism said no to pizza forever.” It’s a grounded look at health, energy, and the habits that let us show up for the people we love.Parenting reframes time. Small kids mean full days together; teenagers mean car rides, practices, and quick dinners before homework. We share how independence grows while conversation shrinks, and why presence beats perfection. Along the way, we revisit the big feelings of youth—breakups, failures, firsts—and how experience gives them scale. That perspective becomes advice for twenty-somethings: stop grading your life against curated feeds. The new car and perfect photo might hide debt, doubt, or divorce. Keep your eyes on your lane and build slow, honest wins.We close with a challenge that doubles as a promise: keep growing. Date your spouse. Strengthen your finances. Protect your energy. Set small goals that pull you forward, because complacency is sneaky and progress is fuel. If you’ve been craving real talk with a few good laughs—plus a quick market check—you’ll find comfort and clarity here. Subscribe, share with a friend who needs it, and leave a review with the one myth about adulthood you wish someone had warned you about.

The feed is loud, and it keeps telling you to buy faster, flex harder, and level up now. We take a breath together and walk through the quieter work of making money decisions that serve your life, not your image. With a steady market backdrop, we talk openly about the hidden financial stress many people carry while trying to look stable online, and why comparison warps what “normal” looks like for homes, cars, and lifestyle.From the lending desk, Cody shares what real budgets reveal: stacked credit cards, car notes, and student loans that leave thin margins for a safe mortgage payment. We break down how emotion overrides the plan, how social proof pushes you toward rushed decisions, and simple ways to pause: sequence debt, model payments in slow months, and test whether a purchase fixes a real problem or just performs success. Joe brings a candid story about nearly chasing a bigger, newer house and how reframing value—neighbors, school access, and a yard the kids love—beat the allure of the flex.We also tackle the image tax in client-facing work. Cars become proxies for competence, yet the priciest choice can cost you twice—once at the bank and again in headspace. We share practical guidelines for finding the honest middle, plus an approach to social media that prioritizes teaching over teasing, process over polish, and authenticity over imitation. Treat your feed like research, not reality, and let your values set the pace for upgrades, moves, and marketing.If this conversation gives you permission to slow down, strengthen your plan, or unfollow a few noisy accounts, that’s a win. Subscribe, share this with a friend who’s feeling the pressure, and leave a review with the one money rule you live by—we’ll feature our favorites on a future show.

Housing finally feels like it’s drifting toward balance, and we’re digging into what’s actually moving the needle. We start with the headline everyone’s talking about: a proposed $200 billion purchase of mortgage bonds and Treasuries through Fannie Mae and Freddie Mac, and what a phased buy could realistically do to mortgage rates. Instead of hype, we map the likely impact range—think an eighth to half a point—why investor momentum matters more than a single purchase, and how long-term rates respond to demand, not just Fed chatter.From there, we layer in practical affordability levers that rarely make the splashy headlines but change real payments: a potential cut to FHA’s upfront mortgage insurance, evolving credit assessments beyond tri-merge, and reduced loan-level pricing adjustments that currently add cost for certain credit bands and lower down payments. We connect those dots to what buyers and sellers will actually feel on the ground—more options, less whiplash, and a market where great listings draw multiple offers but the frenzy stays in check.If you’re buying, we break down how to run clean payment scenarios across rate steps, when a temporary or permanent buy-down makes sense, and why early 2026 could be your window before competition heats up. If you’re selling, we explain how to get in front of the spring surge, price to demand, and use flexible terms to land stronger contracts. We also get candid about lender selection: program fit, total-cost clarity, and service quality often beat teaser rates, especially when timing and underwriting can make or break a deal.Ready to navigate with confidence? Follow the show, share this episode with a friend who’s weighing a move, and leave a quick review with your biggest question about buying or selling in 2026. Your feedback helps us shape future deep dives and keep you one step ahead.

Forget the highlight reel—this conversation gets into the real levers that moved our business and the habits we struggled to keep. We look at why showing up every week with useful, no-fluff content brought more of the right clients, and how a steady cadence across podcast, live streams, and social created momentum you can feel. We also unpack the role of AI in our day-to-day: drafting tighter hooks, shaping outlines that sound like us, and speeding up emails and templated tasks so we spend more time with people and less time staring at a blank screen.We talk openly about the tension between being “everywhere” and being effective. The fix wasn’t gimmicks or pretending to be influencers; it was aligning format and message with our actual personalities. That alignment matters. When you teach first-time homebuyers with clarity and empathy, those are the clients who show up. When you avoid the sleaze and keep it practical, referrals start to flow. On the sales side, the simplest truth still stands: daily conversations drive the pipeline. Ten quality calls can feel small, but you see the difference when they slip.Systems helped too. We moved from improvising to documenting light, repeatable processes for client gifts, pre-listing and post-listing steps, and weekly content cycles. The result was less stress and more room for thoughtful touches. Looking at 2026, we’re keeping the habits that compound—consistent education, protected call time, and AI as a friction remover—not a personality replacement. It’s a patient, human strategy designed to build the business we actually want to run.If this resonates, hit play and then tell us your single non-negotiable habit for 2026. Subscribe, share with a friend who’s building their business, and leave a review so we know what to dig into next.

A new rule in Oregon tries to limit real estate team names, and we ask the blunt question: does anyone hiring an agent actually care about the brokerage logo—or do they care about results? That debate launches us into a bigger conversation about AI’s real impact on housing: where the tools help, where they fail, and how smart pros can use them without losing the human touch.From the lending seat, we talk through practical wins like faster guideline research, cleaner client emails, and better organization—all while admitting that judgment calls and complex conversations still need a person. On the agent side, we break down how AI can speed up market briefs, listing copy, and lead triage, yet why contract review, negotiation, and risk management remain human-led for now. The theme is clear: AI is a force multiplier, not a silver bullet.We also dig into how trust is built today. DIY content on YouTube doesn’t just replace services; it proves expertise. Younger buyers search TikTok before Google, and the pros who teach clearly tend to win the call. Still, convenience economics rules: most people will outsource their largest purchase because time, risk, and emotion beat the urge to do it alone. Looking ahead, we explore policy pressure, data security, and liability—expect lobbying, stricter standards, and better audit trails as AI moves deeper into underwriting and contracts.If you’re a curious homeowner, a future buyer, or a pro trying to stay relevant, you’ll leave with a practical framework: adopt the right tools, document your workflow, validate the output, and keep humans in the loop where stakes are highest. If this conversation helped you think differently about real estate and AI, follow the show, share it with a friend, and leave a quick review so others can find us.

A twelve-foot skeleton on the lawn might grab attention, but it won’t close the deal—clear facts and smart decisions will. We dive into the most persistent myths in real estate and lending and replace them with practical, real-world guidance you can use right now. From the misconception that you need 20% down to the belief that perfect credit is mandatory, we explain what actually matters, how programs differ, and why taking action beats waiting for the “perfect” moment.We get candid about rent versus buy in today’s market. Renting can be flexible and sometimes cheaper month-to-month, but ownership channels payments into equity, protects you from surprise rent hikes, and builds long-term wealth. You’ll hear examples of house hacking, stepping stones to a “forever” home, and the hidden risks of relying on a landlord’s timeline. We also push back on the “wait for rates to drop” mantra. No one can time interest rates reliably. If the payment fits your budget and the home fits your life, you don’t need a crystal ball—you need a plan.We also tackle negotiation and due diligence. When does a low initial offer make sense, and when does it cost you the house? What can a general inspection realistically catch, and when should you bring in specialists? And do you truly need an agent every time? We outline when going solo can work and why, in most cases, an experienced agent quietly protects your money, your timeline, and your sanity.If you’re weighing a move, starting your first purchase, or just trying to see past the noise, this conversation gives you the clarity to act with confidence. Hit play, subscribe on Spotify or Apple, and leave a review with the biggest myth you’ve heard lately—we’ll tackle it on a future show.

We trade jokes for candor about a tough housing cycle, why purchase pipelines feel thin, and how to stay steady when wins are scarce. We map out practical ways agents and lenders can adapt with AI, consistent social content, and realistic success metrics that match this market.• why the current market feels harder than 2008 for many• lenders’ shift from refi booms to purchase scarcity• managing slumps, mindset, and redefining success• how AI and ChatGPT change homebuyer search• social media as a free, high-ROI channel• authentic content vs performance and burnout• lenders’ underused video opportunities• loyalty differences between agents and lenders• staying top of mind without chasing likes• simple, low-cost gear and a sustainable cadence• long-game strategy: consistency over virality• open invite to connect for help or questionsIf anyone is listening and they're struggling and they want to talk about it Cody's there for the lending side I'm here for the real estate side

Ever notice how home appraisals seem to land right on the contract price—down to the dollar? We unpack that mystery with a practical, step-by-step look at how appraisals are ordered, how appraisers get assigned, what the on-site visit includes, and why market timing can change fees and turnaround without warning. From Halloween banter to hard numbers, we take you behind the scenes of the appraisal department so you know what’s happening and when.We walk through the decisions that actually move a deal forward: when to order the appraisal versus waiting for inspections, how refund policies work if the transaction stalls, and what to expect if the appraiser requires repairs. You’ll hear how appraisers verify condition without acting as inspectors, which details commonly get missed (bed counts, HVAC, upgrades), and how those errors can be corrected. Then we zero in on the thorny stuff—low values. We explain the reconsideration of value process, how to assemble better comps, and why ROVs rarely swing the number dramatically. If the value stands, we break down the playbook: renegotiate price, bring more cash, split the gap, or rework concessions. We also highlight how down payment size changes the math and stress level.Refinance appraisals often tell a different story because there’s no purchase contract in view, which can yield a cleaner read on market value. Still, for purchases, understanding how appraisers think—and how lenders coordinate the process—can save days and dollars. The final takeaway is about responsiveness: when an appraisal lands late, or a fix is required, a lender who answers the phone and recalculates in real time keeps your closing on track.Enjoy the episode, then tell us your experience: did your appraisal help or hurt your deal? If this was useful, subscribe, leave a review, and share it with a friend who’s house hunting.

Ever wonder if changing jobs mid‑mortgage will sink your approval, or if you can keep the seller’s hot tub—and their couch? We dive into the decisions that quietly make or break a real estate deal: how lenders view salary versus commission, when a “guaranteed” bonus actually counts, and why stability beats speculation every time. We also unpack what truly conveys with a home, why you should never assume the fridge stays, and how a clean, specific contract prevents move‑in day letdowns.Money trails matter, so we get precise about down payments: selling crypto and seasoning funds, why title companies won’t accept bags of cash, and how big Venmo deposits trigger sourcing requests. Credit is its own minefield; opening a new card in escrow can lower your score and raise your debt‑to‑income, and yes, the underwriter gets alerted. We explain what to disclose (student loans, prior bankruptcies), how to consolidate debt without torching your score, and the simple habits—keep old accounts open, avoid new inquiries—that protect your timeline.On the selling side, curb appeal isn’t fluff; it widens your buyer pool and strengthens your leverage. We share how to use data to justify a low offer without burning bridges, when to request credits or repairs, and how early occupancy can be handled legally through a short‑term agreement. Pricing mythology gets a reality check too, with a breakdown of Zillow’s algorithmic limits versus on‑the‑ground comps, condition, and unique features. It all adds up to a candid, practical guide for buyers and sellers who want fewer surprises and better outcomes.If this helped you see the road ahead more clearly, follow the show, share it with a friend who’s house‑curious, and leave a quick review so others can find us. Got a wild real estate question we should tackle next? Send it our way!

Buying a home can feel overwhelming, especially when faced with the mortgage pre-approval process. Many prospective buyers delay this crucial first step, relying instead on Zillow calculators or avoiding lender conversations altogether. Why? Fear of commitment, anxiety about sharing financial information, and misconceptions about what the process actually entails.In this candid conversation, Joe Skipper and mortgage expert Cody Wilhelm pull back the curtain on the pre-approval process, revealing it's much simpler than most people imagine. Taking as little as 30 minutes with organized documentation, getting pre-approved gives you a clear picture of your actual buying power while opening doors to specialized programs that could save you thousands."The number one misconception we hear is that you need 20% down to buy a house," explains Cody. "That's simply not true anymore." The duo breaks down several other myths, including the surprising fact that you're considered a "first-time homebuyer" if you haven't owned a home in just three years.What makes this market unique for buyers? Sellers are more willing than ever to offer closing cost credits that can effectively buy down your interest rate. Without proper pre-approval and communication between your realtor and lender, you might miss these opportunities completely.Whether you're ready to buy now or just exploring possibilities for next year, this episode provides the confidence and clarity to take that crucial first step. Don't let fear or misinformation keep you from homeownership – get pre-approved and discover what's truly possible for your future.

Joe Skipper and Cody Wilhelm dive into the essential tools, apps, and strategies that have helped them build successful real estate and mortgage businesses. They share both technical solutions and fundamental practices that make a difference in productivity and client relationships.• Tracking daily activities with the Greatness Tracker to maintain accountability• Using OneNote for comprehensive organization of tasks, transactions, and content planning• Sphere CRM for automated client touchpoints like birthday cards and home anniversaries• The Reach app for personalized mass texting at an affordable price point• Creating text shortcuts on iPhone for frequently sent messages• Captions app for transforming basic videos into professional content with minimal editing• Opus AI for repurposing long-form content into platform-specific short clips• The continued importance of phone calls for building genuine client relationships• Why top producers consistently rely on simple systems rather than complicated solutions• How to overcome call reluctance and make client check-ins feel natural instead of salesyIf you're struggling with consistency or looking to streamline your business processes, try implementing just one or two of these tools and see how they transform your productivity.

The brutal truth? The current real estate and lending market is leaving many professionals questioning their future in the industry. High interest rates have slashed buyer pools, deals are harder to find, and the feast-or-famine income cycle is pushing talented people toward more stable careers.But as Joe Skipper and Cody Wilhelm reveal in this candid conversation, there's a clear path forward for those willing to adapt. They pull back the curtain on what's actually working right now, particularly focusing on how social media has become the most cost-effective lead generation tool available to struggling agents and lenders."You can door knock for five hours and reach 500 homes if you're super good at it," Joe explains, "or you can post something valuable on a Monday and reach 700-800 people in just 15 minutes." This efficiency is game-changing for professionals watching their marketing budgets.The hosts dive into the critical difference between value-driven content versus clickbait, why consistency trumps perfection, and how to select just one platform to master instead of trying to be everywhere at once. They also address the psychological barriers preventing many professionals from leveraging these tools effectively.Perhaps most refreshingly, Joe and Cody emphasize authenticity over imitation. "Don't let other agents influence you or deceive you into thinking that's how you have to be to be successful," Joe advises. "There's someone that's you, so get your personality out there."Ready to weather this market storm and position yourself for success when conditions improve? Listen now for actionable strategies from two professionals who are practicing what they preach and finding ways to thrive despite the challenges.

Mortgage rates are driving today's strange real estate market despite high demand and low supply, creating affordability challenges for buyers and homeowners alike.• Current mortgage rates are hovering around 6.9%, making affordability the main obstacle for many buyers• Homeowners with 3% rates feel trapped, wanting to move but unable to afford higher rates on new properties• Rates may eventually return to the low 5% range, but the timeline remains uncertain• Down payment amount and credit score are the primary factors in determining the best mortgage type• VA loans are optimal for veterans, conventional loans work best for credit scores above 700, FHA for below 700• Service quality is the key differentiator between lenders, with personalized attention often worth slightly higher rates• Rate locks are tied to specific properties and typically last 30 days, with longer periods available for new construction• Mortgage rates can change multiple times daily based on market conditions• The average mortgage currently takes 23-24 days from accepted offer to closingJoin us for future episodes where we'll be bringing on special guests to share their expertise on the mortgage and real estate markets.

Joe and Cody explore tech tools revolutionizing real estate content creation and demystify common mortgage terminology that often confuses homebuyers. They share practical insights on leveraging AI for business efficiency while breaking down complex financing concepts in simple, actionable terms.• Captions app automates video editing for real estate professionals, saving hours of work while creating professional-looking content• ChatGPT and AI assistants have evolved beyond search engines to become comprehensive business tools for everything from content creation to visualization• PITI (Principal, Interest, Taxes, Insurance) represents your true monthly payment, often hundreds more than the advertised mortgage rate• Loan-to-Value (LTV) ratios determine how much of your home you're financing versus owning outright• Home Equity Lines of Credit (HELOCs) provide financial flexibility with minimal setup costs, functioning as low-interest emergency funds• Mortgage lender competitiveness varies based on business models and margins rather than simply institution size• Multiple Listing Service (MLS) provides the data that feeds all real estate sites, though platforms like Zillow add their own estimates and calculationsCheck out the Captions app to streamline your social media content creation, and consider setting up a HELOC as a financial safety net even if you don't need the funds immediately.

Joe and Cody discuss the current real estate market conditions and share cautionary tales from their experiences in the industry.• Oregon and Washington markets remain stable despite media narratives about housing crashes• The current market requires more patience from sellers as buyers take longer to make decisions• Joe shares a close call where incorrect paperwork almost cost him an entire commission• Cody recounts a story of buyers with employment gaps who ultimately walked away from the deal• Commission clawbacks affect mortgage professionals when loans are paid off within six months• Cody offers a 1% credit (up to $10,000) for buyers using his services on Joe's listings• Finding the right balance in client communication helps demonstrate value without overwhelming themRemember, quality representation matters – choosing experienced professionals over discount services can make the difference between a successful transaction and a costly failure.

Joe and Cody explore how economic uncertainty is affecting the real estate market and share stories of their worst jobs before entering the industry.• Market volatility is driven by economic uncertainty rather than interest rates• Job security concerns are making potential buyers hesitate despite getting comfortable with higher interest rates• Difficult political decisions often hurt some people while benefiting the majority• Government spending cuts cause short-term pain but may be necessary for long-term sustainability• Cody's worst job was removing honeycomb for a bee remediation company in California• Joe worked as a tuxedo-wearing door opener at Spirit Mountain Casino• Growing up with farm work and manual labor provided valuable life experiences that today's children may miss• Different jobs throughout life help people discover their preferences and shape who they becomeReach out if you'd like to be a guest on the podcast - we'd love to have different voices join our conversations!

Ever wondered what real estate agents and mortgage lenders really think about their most challenging situations? In this refreshingly candid episode, Joe Skipper of Skipper Realty Group and Cody Wilhelm of Wilhelm Loans tackle a series of hilarious "Would You Rather" scenarios that pull back the curtain on the housing industry.The duo dives deep into professional dilemmas that most industry professionals only discuss behind closed doors. Would they rather work with fantastic clients paired with terrible agents, or handle difficult clients alongside supportive professionals? Their answers reveal surprising insights about client relationships and the true value of communication in successful real estate transactions.From technological mishaps to awkward client interactions, Joe and Cody share their preferences on everything from showing homes to clients who ghost them to explaining complex financial concepts for the thousandth time. Their responses highlight both the humor and frustration inherent in their professions while showcasing the patience required to navigate challenging situations with grace.The conversation takes unexpected turns as they debate whether they'd prefer to list only homes requiring full renovations or work exclusively with first-time homebuyers forever. These hypothetical scenarios spark thoughtful reflections about where they find meaning in their work and what aspects of their professions they truly value most.Want more industry insights or interested in sharing your own real estate journey? Joe and Cody invite listeners to reach out if they'd like to be featured on a future episode of Venture. Their open invitation reflects the collaborative, community-focused approach that makes this podcast a valuable resource for anyone navigating the complex world of real estate and mortgage lending.

Joe and Cody take a break from their usual real estate and mortgage topics to explore the challenges of self-censorship in their professional lives and share their excitement about the Masters Tournament.• The struggle of wanting to make humorous comments on social media while maintaining professional appearances• How leaving politics behind brought unexpected peace and reduced stress• Recent market volatility related to tariff announcements creating an uncertain economic environment• ChatGPT's deep research feature for analyzing Masters Tournament betting opportunities• The psychology behind golf equipment purchases and whether new clubs actually improve performance• Comparing the value of brand-name golf equipment versus budget-friendly alternatives like Kirkland• The appeal of the Masters Tournament and its traditions, including affordable concessions and phone-free environmentIf you're interested in chatting about golf, real estate, or just want to connect, reach out to Joe at Skipper Realty Group or Cody at Residential Mortgage in Washington.

We reflect on what we would have done differently in our twenties, sharing personal regrets and lessons learned that might help listeners avoid our mistakes.• Investing in multiplex properties early creates lasting financial benefits• Poor credit habits create barriers to homeownership and financial freedom• The value of a college degree may not always justify the cost• Student loans without financial literacy education create long-term burdens• Maintaining physical fitness and athletic discipline creates lifelong advantages• Early financial knowledge creates opportunities most young adults don't recognize• Sports mindsets often translate to business success and competitive advantages• Today's youth sports culture emphasizes specialization earlier than previous generationsIf we've inspired you to rethink your financial habits or investment strategies, reach out to us on social media. We'd love to hear about the changes you're making based on our experiences!

What lies at the intersection of creativity and compliance in the world of real estate and lending? Join us as we unravel the branding conundrum with insights from Joe Skipper of Skipper Realty Group and Cody Wilhelm from Residential Mortgage. They share their personal journeys, highlighting the tug-of-war between authentic personal branding and the regulatory demands that shape their industries. Cody navigates the tightrope of lending regulations, offering a glimpse into his world where marketing strategies must align with stringent guidelines. Meanwhile, Joe reflects on the timeless power of personal connections and the ever-evolving impact of social media, offering a fresh perspective on building a brand that resonates deeply with clients.Our banter on branding takes an intriguing turn as we explore the generational shift within the industry, where younger professionals bring their social media prowess to the forefront. Joe muses on his reliance on referrals and personal connections while expressing a desire to harness social media more effectively. The conversation dives into the creative challenge of crafting a logo and brand identity in real estate that goes beyond the typical and sparks curiosity—imagine a lion emblem that speaks volumes. We also touch on the perennial debate of whether clients choose individuals over agencies, emphasizing authenticity as the linchpin of client relationships.Amidst the humor and challenges of maintaining a consistent podcast schedule, we dive into the struggle of staying authentic on social media platforms. The tools at our disposal, like Opus AI and ChatGPT, offer a helping hand in content creation. From the importance of consistency to learning the ropes of each platform, Joe and Cody share a candid exchange on the ups and downs of podcasting. The episode wraps up on a light-hearted note, embracing the unpredictability of future topics and leaving listeners eagerly awaiting the next episode.

Discover the secrets of reinventing yourself in the competitive world of real estate with Sean Bautista of Bautista Twins. In our conversation, Sean shares his transformative journey from being a successful car salesman to a thriving real estate entrepreneur alongside his twin brother, Scott. He opens up about the initial hesitations in leaving the familiar comfort of the automotive industry and how the power of social media, especially Instagram, became a game-changer in building their brand. Sean's story is a testament to the power of taking risks and the influence of familial bonds, especially with the pivotal role his cousin and brother played in this career transition.Sean provides an insider look into what it takes to build a luxury real estate brand. He emphasizes the importance of first impressions and forging authentic relationships, lessons he carried over from his automotive sales days. Navigating the challenges of entering the luxury market, Sean reveals how his passion for fashion and personal authenticity helped distinguish the Bautista Twins in a field dominated by casual norms. His success story is a reminder of the impact of strategic mentorship and the role of intentional branding, bolstered by consistent and genuine engagement on social media platforms.Beyond branding and market strategies, Sean discusses their strategic move to join eXp Realty, drawn by its innovative, borderless brokerage model. He highlights the advantages of this decision, including financial benefits and community support, especially critical in an ever-changing post-COVID real estate landscape. Sean's insights into mentorship, community alignment, and leveraging social media are invaluable for both seasoned and aspiring real estate professionals. Whether you're looking to expand your reach across Washington State or simply seeking inspiration from a success story, this episode offers actionable advice and encouragement to cultivate personal and professional growth in real estate.

What happens when a lifeguard from a small town becomes a law enforcement officer and then a real estate entrepreneur? Meet Joe Skipper, our guest and cohost of Venture, who takes us through his fascinating journey from Yamhill Carlton to the world of real estate. As Joe recounts his story, you'll hear about the expectations and pressures of his early days, including high school rivalries and the pivotal moments at Oregon State University where he met his wife, Christina. Joe's humorous and candid reflections provide a window into the personal milestones that have shaped his life.From dreaming about exercise science to navigating the complexities of a 15-year career in law enforcement, Joe's journey is one of unexpected turns and resilience. He speaks sincerely about the influence of his father's military background and the serendipitous suggestion by a friend that led him to the Oregon State Police. Joe shares the challenges and rewards of this career, the diverse roles he embraced, and the impact on his mental health and relationships. His story is a testament to the power of embracing new paths and the growth that comes with facing unforeseen challenges head-on.As COVID-19 altered the landscape, Joe saw a chance to enter real estate, drawn by the autonomy and flexibility it promised—an opportunity further inspired by his in-laws' success. Joe delves into the transition, highlighting the initial struggles of being self-taught in a mentorship-lacking environment, yet eventually finding success with eXp Realty. We explore the balancing act of career changes and family life, where true wealth is found not in financial gain but in the freedom to prioritize loved ones. Joe’s tale is a reminder that the courage to pursue one's values and happiness can ultimately lead to a fulfilling and meaningful life.

Hannah Dean Lawrence, the inspiring CEO and owner of My Kind Space, takes us on her journey of building a business that transforms living spaces while promoting sustainability and mental well-being. We uncover how her move from California to Oregon shaped her company’s mission during the COVID-19 pandemic, and how her background in higher education and events, combined with an MBA focused on entrepreneurship, molded her approach to customized client solutions. Hannah’s story is a testament to the powerful intersection of passion and purpose, offering listeners insights into how organized environments can profoundly impact mental health.We explore the rollercoaster of entrepreneurship, highlighting the critical lessons learned from embracing failure and rejection. Hannah shares the challenges of balancing personal life with the demands of a budding business and delves into the often-daunting world of accounting for those with a creative bent. By honing the art of saying no and carefully curating client relationships, Hannah emphasizes the importance of nurturing both business growth and personal well-being. Her journey reflects the ongoing battle to seize opportunities while safeguarding mental health and satisfaction.In our final exploration, we delve into the vital task of recognizing and maintaining one’s value, especially in the nascent stages of a career or business. Hannah discusses the risks of undervaluing oneself and the importance of establishing a clear value proposition and setting boundaries, drawing parallels with the real estate sector. For those contemplating career transitions, she offers practical advice on emotional and financial planning, product testing, and gathering insightful feedback. With passion as a guiding light, Hannah’s experiences remind us how aligning work with what brings joy ensures fulfillment even in the toughest times.If you would like to work with Hannah in the future, or want her advice on your next move, jsut reach out!Website: https://mykindspace.co/Email: [email protected] (call or text): 503-208-5518Instagram: @my_kind_space

Caitlin Sticka, the remarkable founder and executive director of With Courage, joined us to share her deeply personal journey from a breast cancer diagnosis at 30, while pregnant, to creating an invaluable support network for others facing similar challenges. Caitlin's story is one of turning adversity into strength, revealing how peer-to-peer support became her lifeline during treatment and inspired the establishment of With Courage. We explore how she, along with a team of survivors, fostered a thriving community in Yamhill County, offering everything from care packages to comprehensive financial assistance.Our conversation delves into the heart of With Courage as a community-focused nonprofit dedicated to breast cancer support. Caitlin emphasizes the importance of maintaining a local impact over geographic expansion, highlighting their unique financial assistance model that ensures no one is left behind due to income constraints. We discuss the organization's collaborations with other local nonprofits, particularly during the COVID-19 pandemic, which maximized resources and provided crucial aid during such challenging times.We also delve into the complexities of running a nonprofit, from the significance of a structured board to the emotional challenges of sharing personal stories. Caitlin reflects on the success of the Pink Ribbon event, celebrating its 10th anniversary as a testament to community resilience and generosity, raising over $200,000 last year to support local individuals. Listeners are invited to connect with With Courage through various platforms, attend events, and contribute to a cause that transforms personal challenges into a beacon of hope for others.

Ever wondered how a Marine Corps veteran and former police officer navigates the complexities of public service? In this episode of Venture with Joe and Cody, Adam Cunningham takes us through his remarkable journey from Southern California to Wilsonville, Oregon. Adam's story is one of resilience and dedication, highlighting his transition from military and police service to becoming a passionate advocate for his community. His deep involvement in local sports and work with the Department of Public Safety Standards and Training paints a vivid picture of a man deeply committed to making a difference.Gain an insider's perspective on the real-world challenges that law enforcement officers face. Adam candidly discusses the harsh realities of policing in high-crime areas and the impact of public perception on officers' decision-making. From the financial burdens of mental health initiatives to the human costs of the job, this episode sheds light on the intricacies of law enforcement that are often overlooked. Adam draws powerful parallels between military and police mental health support, emphasizing the need for a more cohesive approach within police departments.As Adam shares his vision for Wilsonville's future, listeners will be inspired by his commitment to transparency, citizen engagement, and responsible financial management. Addressing pressing issues like traffic congestion, housing development, and crime, Adam outlines his plans for fostering informed discussions and balanced community growth. This episode is a must-listen for anyone interested in local governance and the power of dedicated public service. Join us for an enriching conversation that not only highlights Adam's experiences but also his unwavering dedication to enhancing the quality of life in Wilsonville.

Ever wondered what it takes to navigate the tumultuous waters of political life while balancing a family? Former Chief of Staff for Oregon Governor Kate Brown, Gina Zejdlick, joins us to recount her gripping journey from the Secretary of State's office to the governor's inner circle amid the resignation of Governor Kitzhaber. Joe and Cody humorously reminisce about the early days when Gina barely acknowledged Joe in the governor's security detail, setting the stage for an episode filled with laughs, insights, and behind-the-scenes stories.Gina opens up about her educational and career path, starting from law school and a stint in the judicial department to her unexpected dive into the legislature. Despite her nonpartisan beginnings, Gina gradually immersed herself in the Democratic Party, navigating the complexities of working with argumentative colleagues and the high-pressure roles that followed. Hear her advice on the importance of timing, preparation, and having a supportive team, which are crucial for anyone aspiring to thrive in a political career.We shift gears to explore groundbreaking environmental innovations with Gina's insights into a Swiss startup revolutionizing the fertilizer industry. Discover how producing fertilizer without fossil fuels can bring price stability and energy independence, especially amid global challenges like the war in Ukraine. Wrapping up with gratitude for our special guest, Cody, this episode promises a blend of personal anecdotes, professional wisdom, and a touch of humor, making it a must-listen for those fascinated by political life and sustainable advancements.

Join me for part 2 of my interview with Cody Wilhelm with Residential Mortgage. Ever wondered why so many professionals in lending and real estate consider switching companies? Join us as we unravel the multifaceted reasons behind these moves, from tackling tough loan types to the siren call of seemingly better features at other firms. Through personal anecdotes and industry insights, we'll expose the often-overlooked hidden costs of frequent transitions and underscore the invaluable stability and relationship-building that can sometimes be sacrificed. You'll learn why the root of business struggles frequently lies within one's own practices rather than the company itself.Looking to elevate your networking game? We share tried-and-true strategies for loan officers to build robust, lasting connections that can drive business success. Forget the myth of a magical solution to attract clients—real gains are made through consistent, genuine efforts. From making those crucial phone calls and visiting businesses to leveraging your personal network, discover how reaching out to a diverse array of professionals such as financial planners, CPAs, and business owners can create a solid foundation for growth. Hear about the power of simple, authentic communication in forging relationships that stand the test of time.Do you strive for success while staying true to your authentic self? This episode delves into achieving mortgage sales success by embracing who you are and focusing on progress over perfection. Learn about the pitfalls of tactics that don't align with your natural style and how they can lead to burnout. Explore the effective use of social media, the importance of adjusting strategies with market shifts, and the crucial role of daily goal-setting in maintaining motivation and productivity. We'll also touch on the significance of self-forgiveness and patience, reminding you that today's efforts are the building blocks of tomorrow's success.

Ready to hear a tale of transformation and perseverance? Join Cody Wilhelm and me, Joe Skipper, in this 2 part series, as we take you on a journey from his beginnings in construction to thriving career in the lending industry. We've skipped the guest this time to share the ups and downs of Cody's path, from high school friend to seasoned professional. Cody recounts his diverse job experiences—everything from door-to-door sales to maintenance roles—before finding his niche in the mortgage industry. Tune in for insights and inspiration, particularly if you're at a professional crossroads yourself.Ever felt the pressure to appear knowledgeable in a new job while still learning the ropes? We get into the nitty-gritty of balancing the need to showcase expertise with the humility of being a beginner. We emphasize the importance of admitting when you don’t know something and the relief that comes with seeking answers and following up later. This episode also highlights the invaluable role of mentorship—how it can build your confidence and, eventually, how you can play a part in mentoring others. We share our experiences with reliable support systems and the joy of guiding others through their uncertainties.Curious about the nuances of career satisfaction and the dynamic nature of the lending industry? Our discussion covers everything from finding passion and flexibility in your work to understanding the perks of commission-based earnings. We also explore the phenomenon of job-hopping within the industry and offer advice for those struggling with business consistency. Whether you’re navigating your own career changes or looking for inspiration, this episode is packed with tips and personal stories that underscore the importance of aligning your career with your values and lifestyle needs.For Part 2 of this interview, stayed tuned and subscribe to our podcast!

What drives someone to dedicate their life to prosecution rather than defense? Marion County District Attorney Paige Clarkson joins us to share her compelling journey. From reviewing police investigations to deciding which cases to prosecute, Paige provides an inside look into the responsibilities of one of Oregon's top law enforcement officials. Her dynamic personality and long-standing professional relationships are highlighted through personal anecdotes and light-hearted banter, offering listeners a rare glimpse into the human side of law enforcement.Uncover the unsettling realities that prosecutors and detectives face daily, often shielded from the public eye. Paige dives into some of the darkest aspects of her work, including murder cases and child sexual abuse. Learn about a significant cold case that took 30 years to solve, earning a feature on Netflix's "Cold Case Files." This episode sheds light on the unsung efforts of law enforcement in maintaining community safety and the unexpected recognition that can accompany solving challenging cases.Balancing a high-stress career with personal life is no small feat. In this candid discussion, Paige and other guests reflect on the complexities of work-life balance in law enforcement. They share both humorous and profound experiences, emphasizing that true balance might be more about finding personal equilibrium. The long-term effects of high-stress professions are examined, along with the transition to other careers as a way to lower stress levels. Tune in for thought-provoking insights and personal stories that highlight the true essence of a career in law enforcement.