Keeping Tabs with Tabitha Heit

In honor of International Women’s Day (Zack says month, which maybe it should be), we sit down with Ramat Oyetunji, financial educator, author, and Ceo & founder of The FI Woman, to talk about what it really means to achieve financial independence.From being laid off at 25 with only $1,000 in the bank to retiring at 44, Ramat shares the mindset shifts, habits, and strategies that helped her take control of her financial future.We cover:What financial independence actually means (and why it’s different for everyone)The biggest mistakes people make in their 20s and 30sHow to start investing — even with little moneyWhy women often outperform men in investingReal estate vs. stock market for building wealthWhat to do if you feel “too late” to startHow to manage debt, rebuild, and move forward with confidenceWhether you're just starting your financial journey or trying to course-correct, this episode is packed with actionable insights and perspective shifts.Key Takeaway:Financial freedom isn’t about how much you make, it’s about the decisions you make consistently over time.Connect with Ramat:www.thefiwoman.comConnect with Tabitha:www.tabithaheit.com***This episode is for educational and informational purposes only and should not be considered financial or investment advice. Always consult with a qualified financial professional regarding your specific situation.

Real estate isn’t just about square footage and school districts. It’s about:• Where you grab your morning coffee• Where you run on the weekends• Where your kids play• Where you meet friends• And how easy it is to get to Center City, New York, or DCIn this lifestyle-focused episode of Keeping Tabs with Tabitha Heit: Real Talk. Real Help. Real Estate., we’re sharing the local spots we love around Fort Washington, Ambler, Chestnut Hill, and Montgomery County.From Liberty Kitchen hoagies and Wake Coffee breakfasts to the Wissahickon trails, Ambler Restaurants, and easy train access, this episode highlights what truly makes living here special. And it's not a cornichon, it's a Kouign-amann (kween-ah-MAHN)!Because when you buy a home, you’re not just buying a property.You’re choosing a lifestyle.If you’re local, you might discover a new favorite spot.If you’re considering moving here, this is your inside look.🎧 Listen now and start living local.

The market has shifted, but smart sellers are still winning. In this episode of Keeping Tabs, Tabitha Heit breaks down exactly what sellers should be doing before they list their home to maximize value, reduce stress, and avoid costly mistakes. From curb appeal in winter, to decluttering strategies, to paint, photos, pricing, and buyer psychology, this episode is a practical guide for homeowners thinking about selling in today’s market.Key Topics CoveredWinter curb appeal that still makes a strong first impressionHow to declutter without feeling overwhelmedWhat sellers should (and should not) repaintWhy garages, closets, and smells matter more than you thinkProfessional photography vs. phone photosPricing strategy and avoiding dangerous price reductionsHow buyers actually experience your homeWhy preparation beats panic every timeWho This Episode Is ForHomeowners considering selling in the next 3–12 monthsSellers who want top dollar without unnecessary spendingAnyone overwhelmed by the idea of “getting their house ready”Buyers who want insight into what great listings do differentlyIf you’re thinking about selling, or even just exploring your options, now is the time to prepare. Connect with Tabitha Heit (www.tabithaheit.com) to walk through your home, build a smart plan, and position your property to win in today’s market.

Estate planning isn’t just for the wealthy or the elderly. In this episode, Tabitha and Zack sit down with Blue Bell estate planning attorney E. Nego Pile to unpack what really happens when someone passes away without a will in Pennsylvania. From inheritance taxes to family conflict, from tangled titles to reverse mortgages and Medicaid planning, this conversation makes one thing clear: waiting costs families money, time, and sometimes the home itself.What you’ll learn:How Pennsylvania intestacy works (who inherits when there’s no will)What happens when siblings inherit property togetherWhy inheritance tax surprises families at the closing tableHow families lose homes through foreclosure, tangled title, or unpaid taxesThe risk of reverse mortgages when a homeowner diesWhy early Medicaid / long-term care planning can protect the homeWhy powers of attorney are often more important than a willHow guardianship works for minor children—and why you must chooseWhy parents can’t automatically access medical records once a child turns 18Notable moments:The “grandmother-rowhome” scenario and loss of generational wealthThe “coffee math” that reframes the cost of planningThe reminder that the right time to plan is now—at 18 or 80If this episode helped you, share it with a family member, especially anyone who owns a home or has kids. You can also find answers to more of your real estate related questions by contacting Tabitha directly a www.tabithaheit.com or for estate planning advice in this area, you can reach E. Nego Pile at www.pilelaw.comDisclaimer:This episode is for informational purposes only and is not legal advice. Consult a qualified attorney for guidance on your specific situation.

In today’s episode of Keeping Tabs, Tabitha and Zack sit down with licensed inspector Andrei Jablokow of WIN Home Inspections to break down one of the most misunderstood parts of the home buying and selling process: the inspection.Whether you’re a first-time buyer, a seasoned homeowner, or preparing to sell, this conversation will help you avoid costly mistakes, reduce fear, and understand what inspectors actually do.4 Seasons Check List PDFIn This Episode You’ll Learn:What a standard home inspection really includesHow inspectors stay objective and who they actually work forWhy some buyers panic when they shouldn’tThe difference between “big issues” and normal homeowner maintenanceWhen waiving an inspection is (and isn’t) a good ideaThe truth about radon, asbestos, termites, mold, and stuccoWhy pre-listing inspections can save sellers thousandsWhat Andrei looks for in every home — from foundations to roofsHow to prioritize repairs without getting overwhelmedHow to avoid weaponizing the inspection report during negotiationsKey Takeaways✔ A home inspection is not a pass/fail event.✔ Inspectors work for whoever hires them — buyer OR seller.✔ Most issues in a home can be fixed — the question is: should you?✔ Fear-based decision making kills deals. Education saves them.✔ Pre-listing inspections build trust, transparency, and smoother closings.✔ Every buyer MUST understand what’s “normal,” what’s “big,” and what’s “deal-breaking.”Guest InfoAndrei JablokowWIN Home Inspectionswww.wini.com/lansdaleWork With TabithaNeed help navigating your next move? Schedule a consultation with Tabitha at: TabithaHeit.comLoved this episode?Like, subscribe, and share with someone preparing to buy or sell a home!

In this episode of Keeping Tabs, hosts Zack Viscomi and Tabitha Heit delve into the intricate process of home buying and selling, focusing on the journey from contract signing to closing day. They break down the essential steps, including paperwork, inspections, title insurance, and contingencies, while emphasizing the importance of communication and the role of a real estate agent. The conversation highlights common mistakes buyers make and offers valuable insights for navigating the real estate landscape effectively.Top TakeawaysYou’re “under contract” when both parties sign — not when money hits escrow.Inspections are for unknowns and safety/major systems, not disclosed/obvious issues.Title & mortgage timelines are non-negotiable; organization wins deals.“Pending” means contingencies are cleared; don’t change big financials pre-close.Final walkthrough = function check + condition check; document everything.Resources MentionedLocal inspection categories: general home, WDI/termite, radon, septic, wellTownship U&O checklist and GFCI/safety items (varies by municipality)Connect with TabithaSite: www.tabithaheit.comDisclaimer: This episode shares general info for educational purposes and isn’t legal, tax, or lending advice. Consult your own pros.

Inventory’s tight and rates are weird, should you pour money into your current place or pull the trigger on a move? Tabitha breaks down the emotional, financial, and market factors so you can decide with confidence.In this episode of Keeping Tabs, Zack and Tabitha dig into the question so many homeowners are asking: renovate or relocate? We cover what updates actually return value (kitchens and baths), when “must-fix” repairs matter even if you plan to sell, how HELOCs/financing can shape your decision, and why location often beats square footage, especially around Montgomery, Delaware, and Bucks Counties. Plus, Tabitha’s “Rule of Three” and how a great agent helps you price, plan, and prioritize.🎓 You’ll learn:- When renovations (kitchens/baths/floors/paint/landscaping) make sense—and when they don’t- The difference between cosmetic upgrades vs. must-do repairs (roof/HVAC/windows)- How rates, HELOCs, and contractor availability affect timing- The two common relocation drivers: space (upsizing) and simplicity (downsizing)- Why commute, schools, and daily convenience often trump house size- How local conditions vary by county—and what that means for your move🌐 Want help weighing your options? Book a free consult at tabithaheit.com.

Are you thinking about buying a home but feeling overwhelmed by mortgage options, credit scores, and interest rates? You’re not alone.In this episode of Keeping Tabs, we sit down with trusted mortgage expert Jake Kolen from Prosperity Home Mortgage to break down everything you need to know about home loans in 2025. From FHA to VA to jumbo loans, they cover it all, with real talk and real help.Whether you're buying your first home or just need a refresher on how lending works today, this episode will help you feel informed, empowered, and ready to take the next step.What You’ll Learn:Why working with a local lender matters in a competitive marketHow to prepare even if you're not quite ready to buy yetThe difference between FHA, VA, jumbo, and conventional loansWhat lenders actually look for: income, assets, debt, and creditHow to avoid becoming "house poor"First-time homebuyer programs and grant optionsThe truth about interest rates and why waiting could cost you moreTimestamps0:00 – Intro: Why this conversation matters3:05 – What if you’re not ready to buy yet?5:30 – Interest rates in 2025: Should you wait or buy now?7:45 – Are the rates too high or just a mindset?13:33 – What loan type is right for you? FHA, VA, Jumbo, Conventional15:43 – What’s a debt-to-income ratio (DTI) and why it matters22:00 – Jake’s “Four Quarters” lenders use to qualify you30:45 – How credit score affects your rate (and your payment)51:08 – First-time buyer programs and hidden grant money53:59 – Why your lender’s reputation can win or lose the dealNeed help figuring out your next move?Schedule a free, no-pressure consult with Tabitha at🌐 www.tabithaheit.com

Welcome to the very first episode of Keeping Tabs, where we get real about real estate.In this kickoff conversation, Tabitha Heit—renowned real estate expert and founder of the Heit Homes Group—shares her mission, her roots in real estate, and why this show is about empowering buyers and sellers with real talk, real help, and real insight.In this episode:Why Tabitha started this podcast and her mission to educate and serve her communityHer story growing up with a single mom who used real estate to build equity and opportunityWhat buyers really need to know—whether it's your first or fifth homeHow to approach selling your home in today’s marketWhy pricing strategy and timing matter more than everThe truth about Zillow, Zestimate myths, and online home valuationsWhy interviewing agents is one of the most important stepsReal talk about stucco, inspections, contingencies, and “Zillow drunk” scrollingThe power of negotiation and what to look for in a real estate agentLinks: www.tabithaheit.comWhether you're buying, selling, relocating, or just trying to understand the market—this podcast is your forever resource for everything real estate.📍 Serving Montgomery County, Bucks County, Delaware County, and the Greater Philadelphia Area.