Kayla Kallander & Andrew Yaggie
It's Real
Welcome to the "It's Real" Podcast with Kayla Kallander, mortgage lender, and Andrew Yaggie, realtor. Each week we'll talk about what happens behind the scenes working full-time in real estate and share with you real life stories, our successes, and hurdles as we work to help consumers and industry professionals reach their real estate and real life goals!
Author
Kayla Kallander & Andrew Yaggie
Category
Podcast website
Latest episode
Mar 23, 2026
Where to listen?
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Episodes
Episode 102 - Burnout & Boundaries and Why the Market is Touch and Go 23.03.2026 34:18
Episode 102 of It’s Real Podcast - This one covers a little bit of everything from what we’re actually seeing in today’s real estate market to the real conversations happening behind the scenes. We dig into: Why the market feels a bit "touch and go” right now, What buyers and sellers are really up against, The truth about interest rates (and why headlines can mislead you), The importance of w...
Episode 101 - Andrew In The Hot Seat - Career Pivots, Marketing, AI, Good & Great Realtors 22.03.2026 29:44
Episode 101 of the It’s Real Podcast - This week Kayla flipped the script and put Andrew in the hot seat. We talked about: The difference between good and great realtors - Why communication and marketing matter in today’s market - AI and tech tools changing the industry - Career pivots and learning from failure - Advice for someone starting their career today And one reminder we all need sometimes...
Episode 99 - A Strong 2026, Refinance Myths & Truths, & Education Beats Headlines In Real Estate 28.02.2026 30:37
The It’s Real Podcast with Kayla Kallander & Andrew Yaggie Episode 99 marks a major milestone for The It’s Real Podcast, and Kayla Kallander and Andrew Yaggie take the opportunity to reflect on nearly 100 episodes of real conversations about real estate, mortgages, money, and the realities behind the scenes. In this episode, they cover: • Why 2026 is shaping up to be stronger than last year in...
Episode 100 - Power of Consistency, Scaling Your Business & The Danger of Being Too Busy 28.02.2026 37:34
What if the key to growth isn’t doing more… but doing less? In Episode 100 of the It’s Real Podcast, we talk about: • The power of consistency • Why some clients aren’t meant to work with you • Delegation, systems, and scaling • The danger of being “too busy” • And why quiet time might be the most underrated success strategy Three years ago, we recorded Episode 1 not knowing if anyone would listen...
Episode 97 - AI in Real Estate, Mortgage Rate Headlines, Refinancing 08.02.2026 29:28
Kayla Kallander & Andrew Yaggie cover what’s really happening as the market wakes up after the holidays, why January momentum matters, and how clarity and education are becoming the biggest advantages for buyers and homeowners. They discuss: • The “circle back” effect and why buyer and refinance activity spikes after the new year • What open houses still accomplish today and where they’ve lost...
Episode 98 - The Biggest Wealth-Building Tool - Is Renting Better Than Owning? 08.02.2026 29:49
Kayla Kallander and Andrew Yaggie dive into a powerful conversation around homeownership, wealth-building, mindset, and why so many people delay getting into the game — often at a major long-term cost. They unpack insights sparked by a recent Diary of a CEO episode featuring David Bach (author of The Automatic Millionaire), and connect those ideas directly to what they’re seeing with real buyers a...
Episode 96 - AI, Tech, Working Smarter & Recent Headlines 20.01.2026 23:49
In Episode 96, Kayla and Andrew reflect on renewed energy for the industry, team growth, and the importance of relationships, networking, and long-term consistency. They discuss using technology and AI to work smarter, prioritizing quality over quantity, and navigating today’s real estate market with perspective, resilience, and purpose!
Episode 95 - 2025 Mortgage & Real Estate Headlines We're Leaving Behind 06.01.2026 29:03
In Episode 95 of the It’s Real Podcast, hosts Kayla Kallander and Andrew Yaggie reflect on nearly 100 episodes of real, unfiltered conversations from the front lines of real estate and mortgage. This episode dives into year-end reflection, mindset shifts, and the headlines buyers and sellers should leave behind as they head into a new year—everything from waiting on rates, market crash fears, and...
Episode 94 - Holidays Are The #1 Reason People Rethink Homebuying 05.01.2026 20:39
The It’s Real Podcast with Kayla Kallander & Andrew Yaggie In this episode of The It’s Real Podcast, Kayla and Andrew discuss why December is anything but slow, how buyer motivation is showing up in unexpected ways, and why the holiday season often triggers serious reflection around housing, lifestyle, and long-term goals. They cover: • Why buyer activity remains strong heading into Christmas...
Episode 91 - 50 Year Mortgage & Holiday Homebuyers 05.01.2026 23:11
🎙️Is the 50-Year Mortgage a Lifeline or a Landmine? Find out what real estate pros really think! In Episode 91 of the It's Real Podcast, Kayla Kallander and Andrew Yaggie dive into the controversial buzz around the proposed 50-year mortgage. Is it the future of affordability or a financial trap? Plus, we’re talking real market trends, holiday homebuyers, and why communication still rules in r...
Episode 92 - Preparing for the 2026 Market + Gratitude and Clear Planning 05.01.2026 18:26
The It’s Real Podcast In this episode, Kayla and Andrew talk through what buyers and sellers need to know as we head into the winter season and prepare for the 2026 market. We break down: • Why December is the smartest time to get pre-qualified • How to get ahead of the January and February rush • What interest rates are doing right now and how they’re impacting buyer confidence • What a more “nor...
Episode 93 - Separation Season in Real Estate, 2026 Prep for Homebuyers, Interest Rates vs the Need & Want to Buy 05.01.2026 33:25
The It’s Real Podcast In this episode, Kayla and Andrew cover a surprisingly packed December, the myth of “slowing down” during the holidays, and what separation season really looks like for agents, lenders, and anyone trying to build momentum heading into 2026. We talk through: • Early-morning routines, burnout, and finding structure during December • How to balance grinding with being present fo...
Episode 89 - Chasing Rates, Government Shutdown and Getting Pre-qualified is Non-Negotiable 10.11.2025 40:32
Join us for Episode 89 of the *It's Real* Podcast with Kayla Kallander and Andrew Yaggie! We’re breaking down the 2025 real estate hustle - debunking myths about chasing "COVID-era rates," tackling the government shutdown’s impact on USDA loans and flood insurance, and why renting could be the right call for some. Plus, real talk on why pre-qualifications are non-negotiable and how...
Episode 90 - Gift Money Rules, Using AI & Government Shut Down Update 10.11.2025 38:25
Episode 90 of *It’s Real* just dropped—Kayla Kallander & Andrew Yaggie are back! We’re chatting 90 episodes (!), the government shutdown slowing down USDA & flood insurance, why first-time buyers are now 38 😳, gift-money rules, and how to use AI without sounding like a robot. Then we laugh through 13 Halloween “monsters” haunting agents: ghost agents 👻, appraisal poltergeists, zombie lis...
Episode 88 - Coaching Clients, Seller Psychology & Emotions in Real Estate 10.11.2025 36:07
This week, Kayla and Andrew get real about the strange mood in the current housing market and how both clients and agents are responding to it. Inside the episode: Why this fall feels slower than expected and how to coach clients through that. Kayla shares conversations with buyers waiting for rates to drop…and why that might not be the smartest move. Andrew breaks down a recent buyer situation:...
Episode 87 - Fall Market Shifts, AI Fails, and Smarter Seller Strategies 02.11.2025 27:29
Kayla and Andrew kick off fall with a candid conversation about shifting market conditions, AI tools that help (and sometimes hurt), and what sellers really need to consider when entertaining offers. Kayla shares insight on how fewer lenders in the business is leading to more refinance opportunities and why now might be the right time to lock in a better rate. Andrew walks through 7 key consider...
Episode 86 - The NextGen Homebuyer Report Is In! Mortgage Rate Truth, AI, & Trigger Leads 14.09.2025 37:29
This week, Kayla and Andrew get REAL about: The NextGen Homebuyer Report by Kristin Messerli which is packed with powerful data is in, why mortgage rates aren’t what the headlines say, the shocking truth behind the 20% down payment myth, trigger leads, AI, and what buyers REALLY need to know in 2025. Whether you're buying, selling, or just curious, this episode is *packed* with real talk, ex...
Episode 85 - Seller Emotions, Price Resistance, Midwest Inventory & Slowing Down to the Speed of Joy 14.09.2025 29:02
“A Slowdown, a Shift, and Some Perspective” Join Kayla and Andrew as they sit down to reflect on the housing market, shifting seasons, and the deeper stuff that matters. * Fall is sneaking in, and so is the PSL—no price hikes at Starbucks, but real estate? That’s another story. * They discuss Realtor.com’s “Cruel Summer” headline and how buyer-seller stalemates are playing out locally. * Kayla sha...
Episode 84 - 43% of Millennials Buy Homes Because of This & Rates Goals Under 6% 14.09.2025 18:28
From unexpected hallway reunions to why millennials are buying homes for their dogs, this episode covers it all with equal parts fun and insight. Here’s what’s inside: - Andrew shares a back-to-school tradition and a surprising real-life run-in - Kayla recaps the Homeward Animal Shelter event and breaks down pet-driven buying stats - 43% of millennials say their dog was the main reason for buying...
Episode 83 - Mixed Messages From Media, Burnout in the Biz, Confusion to Clarity 13.09.2025 32:11
In this episode, Kayla and Andrew unpack what’s really happening in the market—and why agents and clients alike are feeling off track. Whether it's affordability myths or mixed messages from the media, this week’s conversation is equal parts real talk and strategy reset. Here’s what they cover: - What affordability actually means (and how it’s changed) - The emotional toll of burnout in the i...
Episode 81 - Kayla's Trip (Dangerously Inspired), Start Your Home Journey Earlier Than You Think 13.09.2025 28:19
After a short summer break, Kayla and Andrew are back—and they’re bringing all the realness: client wins, market challenges, and a dose of hard-earned perspective. In this episode, they dive into: * Why trust and experience matter more than ever when choosing a lender or realtor * Kayla’s top takeaways from the Forward Event in Vegas (spoiler: dangerously inspired is an understatement) * The power...
Episode 82 - Listings Pulled, Truth About Affordability, Rates and Misconceptions 13.09.2025 31:42
Episode 82 is here—and it's all about wrapping up summer and ramping up real estate. Kayla and Andrew are back from lake weekends, packed client schedules, and too many summer projects to count. In this episode, they’re diving into: - Why August is the new “reset button” for real estate goals - The surprising reason 21% of U.S. listings are being pulled from the market - What churches have to...
Episode 80 - Midwest Storms, Hidden Value in Making An Offer, & Commission Breath 13.09.2025 45:25
**It’s Real Podcast – Episode 80 is live and full of heat—just like the market storms rolling through the region** From snapped docks and storm damage to a packed housing update, Kayla and Andrew are back with one of their most honest episodes yet. This week, they talk about: * Why today’s buyers actually have more time (and leverage) than they think * The hidden value in making an offer—especiall...
Episode 79 - Real Estate Anxiety, Slow Down to Speed Up, & Buyers Getting Beat Out 13.09.2025 33:55
Summer mode is on, the market is moving, and Kayla and Andrew are back—this time with some serious real talk from the airport and the lending desk. This episode covers: * Why buyers are getting beat out again (yes, already) * The surprising shift in mortgage rates—and how timing matters more than ever * The staggering 4-million home shortage in the U.S. and what it means for the Midwest * What’s r...
Episode 78 - We're IN PERSON! What Realtors & Buyer Might Now Know (Lender Perspective) 08.06.2025 33:26
For the first time ever, Kayla and Andrew are together in real life recording this special episode—and they’re doing it for all the right reasons: a shared client is closing on their new home today. This week, the duo dives into: * The power of preparation—why pre-approval matters more than ever * What most buyers (and agents) still get wrong about earnest money, appraisals, and shopping for rates...
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