Audio podcast description
Mortgages don’t have to be scary. In this episode, broker/builder Ryan Cook and co-host Kent Thaler sit down with senior mortgage pro Ron J. Schwartz to demystify how home loans actually get approved—and what to avoid so you don’t derail your purchase. We break down pre-qual vs. pre-approval vs. fully underwritten approval, who the underwriter really is, and why sellers care. We cover credit basics (tri-merge, the middle score, utilization), rate vs. APR, rate locks and extensions, and why your phone explodes with “trigger leads.”
You’ll also hear when Fannie/Freddie conventional loans fit, and where FHA/VA/USDA can help—plus portfolio/DSCR options for investors. We talk sourcing funds (sorry, briefcases of cash don’t fly), the risks of switching lenders mid-escrow, and the classic “don’ts during underwriting.” Real stories, plain English, and practical takeaways.
You’ll learn:
• The approval level sellers prefer—and how to get there
• How credit is pulled and used (without tanking your score)
• What “rate lock” really means (and why extensions cost)
• Program basics: Conventional vs. FHA/VA/USDA, plus DSCR for investors
• What not to do once you’re under contract
Have questions? Message us with “MORTGAGE” and we’ll point you to solid resources—or connect you with a vetted local lender.
Educational only; not legal, tax, or financial advice. Programs and underwriting vary by lender and state.
Summary:
Top listing agent Lori Seavey shares insider strategies on choosing the right agent, marketing a home effectively, and navigating offers with ease.
Full Description:
What makes a top listing agent stand out from the rest? In this episode of Real Estate: It’s Not That Complicated, the RE Nav Team — Ryan Cook and Kent Thaler — sit down with Lori Seavey, one of the region’s most respected listing agents, to break down the exact strategies sellers need to succeed in today’s market.
Lori explains what sellers should look for when hiring an agent, why marketing matters more than ever, and how the best agents manage multiple offers without letting stress or mistakes cost their clients. She also dives into how top listing agents anticipate and solve problems before they spiral — giving sellers confidence from listing to closing.
We also explore the impact of the NAR settlement on listing agreements, including whether listing agents should continue discussing buyer agent compensation upfront or leave it until offers are received.
If you’re thinking about selling your home — or simply want to understand how great agents deliver great results — this conversation gives you the clarity, strategies, and insider perspective you need.
What you’ll learn in this episode:
• The traits that set a top listing agent apart.
• How professional marketing increases visibility and drives offers.
• Smart strategies for managing multiple offers in a fair, profitable way.
• How experienced agents solve common (and uncommon) problems.
• Why the NAR settlement is shifting how compensation is negotiated.
Guest Spotlight:
👤 Lori Seavey — A top-producing listing agent with years of experience helping sellers maximize their results through smart marketing, negotiation, and problem-solving.
💡 Selling a home is one of the biggest financial moves you’ll ever make. Listening to this episode could help you make it with confidence.
Episode 2 – The Role of the Buyer’s Agent (ft. Cherie Benoit)
Buyer’s Agent explained with Cherie Benoit, we unpack myths, red flags, and strategies every homebuyer needs to know.
Full Description
Buying a home is one of the biggest financial and emotional decisions most people make—but what exactly does a Buyer’s Agent do, and why should you have one on your side?
In this episode of Real Estate: It’s Not That Complicated, Ryan Cook and Kent Thaler sit down with Cherie Benoit to unpack the real role of a buyer’s agent. We dig into what representation really means, the myths that confuse buyers, and why calling the listing agent directly can sometimes be a costly mistake.
Here’s what you’ll discover in this episode:
• ✅ What a Buyer’s Agent actually is—and what they are not.
• ✅ How Cherie approaches the first conversation with a buyer—goals, budget, timeline, and non-negotiables.
• ✅ Common red flags in homes that buyers often miss (and what matters less than you think).
• ✅ How a Buyer’s Agent can keep you competitive in bidding wars—even without the biggest budget.
• ✅ A simple, step-by-step walkthrough of the offer process (explained Kent-style).
• ✅ What buyers tend to worry about that isn’t a big deal… and what deserves real attention.
Whether you’re a first-time buyer, moving up, downsizing, or just curious about the process, this episode is packed with straight talk from real practitioners—including actionable strategies from Cherie Benoit—so you can navigate with confidence.
Our mission at the RE Nav Team is simple: real conversations with real professionals, shared in plain language that just makes sense. It’s not theory. It’s not jargon. It’s practical, honest, and approachable.
🎧 Subscribe and follow the RE Nav Team as we cut through the myths and make real estate easier to understand.
📺 Watch more episodes and resources at renavteam.com (https://renavteam.com/)
Real estate doesn’t have to be super stressful and overwhelming. In this debut episode of Real Estate: It’s Not That Complicated, Ryan Cook and Kent Thaler introduce themselves and explain how this podcast will help you navigate every part of the housing world. From buying your first home to selling in a competitive market, from understanding financing and mortgages to exploring investment properties, the RE Nav Team is here to guide you. Ryan brings decades of experience as a real estate broker, licensed builder, and investor, while Kent adds deep expertise in consumer product marketing, problem solving, and asking the “why” questions that uncover real insights. Together, they’ll tackle myths, simplify complex topics, and bring on guests who live and breathe real estate—so you can learn what actually matters. Listen in to discover how this show will help you buy smarter, sell with confidence, and invest wisely.
