The Kandie Frederick Podcast

Capital gains exemption when selling your home: how does it actually work? I had sellers up against a real deadline: decide and close by November, or lose a tax exclusion worth potentially hundreds of thousands of dollars. These longtime California owners had moved out of state to start a new chapter and were renting out their home while they decided. The catch: to claim the exclusion on a primary...

How to buy a home with your parents, and far more than most first-time buyers think is possible. A buyer came to me convinced she could only afford a small starter home for herself. By the time we finished, she'd purchased a property with room for her partner and her parents, in the exact town she wanted, and turned her very first purchase into a forever home. In this video, I share exactly how it...

The question I hear more than any other right now is whether it makes sense to just wait for interest rates to come down. Most of that conversation stops at the monthly payment, which leaves out what rates are doing to the rest of the market. In this video, I explain why a rate drop works in opposite directions for buyers and sellers, and what each side should weigh instead. Rates may improve befo...

You'll spend weeks getting a property ready for buyers, and those buyers may walk it more than once before they decide anything. The appraiser gets a single visit, with no idea when you replaced the roof, what the well report says, or which additions never made it into the county record. In this video, I walk through the four things I ask sellers to do before appraisal day, and why none of them ar...

You've probably heard you can pay your mortgage off in half the time. You can knock serious years off your loan, but the most popular method won't get you all the way there on its own, and some companies charge a fee for something you can do for free. In this video, I break down what actually shortens your loan, how much each method saves, and the one mistake to avoid. Watch the video to see what...

Have you noticed more calls, texts, and emails asking if you want to sell your home? Some claim they have a buyer ready, others say they are investors, and it is getting harder to tell who is actually legitimate. I want to walk you through why this is happening, the red flags to watch for, and the one step that protects your money most during a real transaction. Watch my video to learn how to hand...

Should you make your move now or wait for interest rates to come down? It’s the question I’m hearing most from buyers and sellers right now, and the honest answer is that waiting carries a cost most people don't think about: if rates drop, the buyers on the sidelines tend to jump back in all at once, and competition climbs. In my latest video, I walk through what buyers and sellers should really w...

Do you still think you need a 20% down payment to buy a home in Paso Robles? It's one of the biggest misconceptions I hear, especially here on the Central Coast, where prices can make buying feel completely out of reach. In this video, I walk you through the loan programs that may let you buy with 3.5% down, 3% down, or even zero down, depending on your situation, the property, and the area. Watch...

Have you ever fallen in love with a home only to lose it to another buyer? In a competitive market, most buyers think the highest offer wins, but that's not how it works. In this video, I break down how to structure an offer that stands out to sellers, including the strategy I recently used to help a buyer win over multiple higher offers within 48 hours. Watch my video to see exactly what's workin...

Are you getting ready to buy a home, but worried your loan application could hit a snag at the worst time? A lot of buyers think approval is simple until underwriting starts asking for more documents, questioning bank deposits, or flagging a high debt-to-income ratio. That’s why today, I’ll break down the five things lenders check before approving your home loan so you know exactly what they’re ve...

Are you waiting for a massive drop in home prices before you finally make a move? It feels like prices should be falling given how high mortgage rates have been lately. Today, I’m sharing the latest data to show you what is actually happening with home values. You’ll learn why a 1% growth rate is the new "normal" and why a crash isn't appearing in the data. Check out my video for the full breakdow...

Before you start touring homes, there’s one important thing you need Skipping commission fees may sound appealing, and some buyers have doubts about agents. But that’s where a buyer representation agreement comes in. That’s why I’ll explain how a buyer representation agreement protects your deposit, strengthens your offer, and makes sure your agent advocates only for you. In today’s competitive ma...

Stop renting and start owning. For first-time buyers in California, your homeownership journey just got easier—and you don’t need to wait years to save. I’ll share how the California ‘Dream for All Shared Appreciation Loan’ program helps with down payments and closing costs. Step into your first home sooner and start building equity today. If you want to learn how this loan program works and how y...

Many sellers think a home inspection is a pass-or-fail test, but that’s not how it works. I’ll show you four ways to prepare your Paso Robles home for inspection. Taking proactive steps now, such as identifying major issues and maintaining equipment, can help prevent last-minute repairs and stressful negotiations later. Check out my video to see the full checklist.

Want to buy a home in Paso Robles this year but don’t know where to start? Take action now before the competition heats up. I’ll guide you through three smart steps to make homebuying easier and more strategic, plus common mistakes to avoid. Want to hear the full step-by-step process? Just check out my video.

Should you sell your home during the holidays or wait for spring? While many sellers take their listings off the market, serious buyers are still out there - and often more motivated than ever. In this video, I’ll break down why lower competition, warm seasonal appeal, and year-end urgency can actually help your home stand out. You’ll also learn when waiting might make more sense for your situatio...

Thinking about buying or selling a home in Paso Robles in 2026? After a few slower years, buyers and sellers are starting to see positive signs. In this video, I’ll share what experts predict for home prices, mortgage rates, and market activity next year. This will give you a clearer picture of what the local housing market could look like for buyers and sellers in 2026.

Everyone’s asking the same question: “Will the recent rate cut finally lower home prices?” The truth is, there’s no straightforward answer. In this video, I’ll explain what the Fed’s move means for the housing market this fall. I’ll talk about how interest rates are changing, what’s happening with inventory, and why pricing trends might be different depending on where you live. If you’re trying to...

Not sure how the Fed’s rate cut impacts the Paso Robles housing market? Many believe rates will drop automatically, but that’s not always true. Today, I’ll explain what this rate cut actually means for your real estate decisions. With changes happening, you might want to move sooner rather than later. Check my latest video to see how this affects your next steps.

Millennials are changing the way homes are bought in 2025, and many are skipping the bank entirely. While paying all cash can eliminate debt and make your offer stand out, it also comes with real trade-offs, like draining your savings or limiting your financial flexibility. In this video, I’ll break down the key reasons why millennials are avoiding mortgages, the risks involved, and how to figure...

Is it the end of the Airbnb gold rush? In 2025, more hosts are quitting the platform than ever before, and it’s not just about stricter laws. Whether you're already managing rentals or just planning to invest, I’ll break down what’s driving the mass exit. From falling profits to a new Airbnb policy that puts your payout at risk, find out what's happening in the market before you make your next mov...

What if your mortgage could help you sell your home faster and for more? In today’s market, buyers are looking for every way to save money, and your low interest rate might be just the thing they need. Today, I’ll explain how assumable loans work and why they’re becoming a major selling point. I’ll also share how to tell if your loan qualifies, what buyers look for, and how to use this tool to sta...

AI-powered home value tools are everywhere in 2025, but how accurate are they? If you’re relying on an algorithm to price your biggest asset, it might be undervalued. Today, I’ll break down when AI gets it right, when it misses the mark, and why working with a local agent still makes all the difference when it’s time to sell. I’ll tell you this: it’s great at giving you a quick home estimate, but...

The summer 2025 housing market is full of mixed signals. In some cities, home prices are climbing fast, while others are seeing slowdowns or price drops. I'm sharing three current housing trends using up-to-date local market data to help you understand what's really happening in today's summer market, whether you’re buying or selling. Check out my latest video to learn more!

Want to plan the perfect summer but don’t know where to start? With so many options across San Luis Obispo County, it can be tough to choose what’s worth your time. Today, I'll reveal the best summer activities here that you can’t afford to miss, from concerts and wine tasting to scenic hikes and beachside adventures. Check out my video to hear the rest!