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

Education

Podcast website

itsreal.buzzsprout.com

Latest episode

Mar 23, 2026

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Episodes

Episode 77 - Highs & Lows of the Real Estate Business, "Success" on Social, & The "Let Them" Theory 06.06.2025

This week, Kayla and Andrew get *real* about the highs and lows of real estate—and life. From adding new team members to losing deals, from planning Derby-style birthday parties to flying floatplanes across Otter Tail, this episode is packed with honest stories, laughs, and major perspective shifts. 💬 They dive into: * The reality behind “success” on social media * Why failure actually means you’...

Episode 76 - Seeing Homes Without Pre-Approvals, Emotional & Financial Cost of Waiting 05.06.2025

Kayla and Andrew unpack everything from the uptick in lake listings to how buyers are navigating today’s herky-jerky market (yep, we said it). Whether you're on the fence about making a move or trying to make sense of market stats, this episode brings the clarity you’ve been waiting for. In this episode: - Why showing homes without pre-approvals is still happening—and why it needs to stop - T...

Episode 75 - Feast or Famine, The Power in the Pre-Approval, Living Beyond Your Means 04.06.2025

We’ve made it to 75 episodes—and this one is as real as it gets. Kayla and Andrew are diving into the current state of the housing market, consumer debt, rate volatility, and why this year’s market might be feast or famine depending on where you’re standing. In this episode: -Why some homes are sitting while others fly off the market overnight -Are sellers finally trimming prices—and what does tha...

Episode 74 - Horace ND Specials, Work-Life Balance Myth & More 04.06.2025

Spring is here (kind of), and so is another packed episode of the It's Real Podcast! This week, Kayla and Andrew dive into everything from bidding wars and lakeshore listings to real estate as an investment, Jeff Bezos’ $63M home sale, and the rise of AI action figures. Plus: The chaos of special assessments in Horace, ND Why work-life balance still feels like a myth Behind-the-scenes of Andr...

Episode 72 - Rate Fluctuations, Power of Reputation, & Federal Policies 04.04.2025

Episode 72 of the It's Real Podcast Spring may be around the corner, but the real estate market is still giving mixed signals—and Kayla and Andrew are unpacking it all in this week's episode. From rate fluctuations to the power of reputation in real estate, this conversation is a must for buyers, sellers, and industry pros alike. In this episode: - Why the right lender or agent could mak...

Episode 73 - Kayla Shows Behind The Scenes of Interest Rates! Tariffs & A Condo Blacklist?! 04.04.2025

Episode 73 of the It's Real Podcast** Tariffs, buy downs, blacklists—oh my. This week, Kayla and Andrew dive deep into everything impacting the real estate market right now. Whether you're wondering how international policy could affect your mortgage or how to save hundreds on your monthly payment, this one is packed with value. In this episode: - Tariffs and interest rates: what's...

Episode 71 - Rate Shoppers vs Relationship Shoppers, Reputation & Experience Matter 06.03.2025

Episode 71 of the It's Real Podcast** The spring market is in full swing, and this episode is all about **shoppers**—the good, the bad, and the frustrating. Kayla and Andrew dive into why some buyers are stuck on rate shopping instead of relationship-building and why finding the right real estate team is more important than ever. In this episode: - The rise of “rate shoppers” and why it’s abo...

Episode 69 - Education in Real Estate, Market Shift, Shocking Agent Fact 06.03.2025

The market is heating up, and so is this conversation. Kayla and Andrew are breaking down why buyers are hungry for homes, how education is changing the game in real estate, and why working with the right professionals makes all the difference. In this episode: - The shift in market activity and why more buyers are getting pre-approved - The impact of special assessments and why home affordability...

Episode 70 - Spring Is In Real Estate Air & AI in the Industry 06.03.2025

Spring is in the air, and so is the real estate energy. Kayla and Andrew are diving into why buyers and sellers are making moves, what’s happening with mortgage rates, and how AI is shaking up the industry. Plus, Andrew is getting ready for some much needed time away—but will he be able to unplug?  In this episode:  - Is the housing market finally heating up with the weather?  - Why buyer educatio...

Episode 68 - KK's Proactive Approach - No Buyer Should EVER Feel Lost. Prep to Buy or Sell in '25! Andrew's Spec House Chats. 21.02.2025

This week, Kayla and Andrew are tackling everything from the latest market trends to the real impact of interest rates and affordability. Andrew is fresh off a trip flying across the country, and Kayla is breaking down her proactive approach to lending—because no homebuyer should feel lost in the process. In this episode: - Is consumer sentiment slowing down the market, or is activity picking up?...

Episode 67 - News for Kayla! Andrew's Spec Home! 10.02.2025

January felt like it lasted forever, but Kayla and Andrew are kicking off February with fresh energy and real talk about the housing market, lending trends, and what’s next for buyers and sellers in 2025. This episode is packed with insight, from Kayla’s return to First International Bank & Trust to Andrew’s experience building a spec home and navigating the challenges of low inventory. They a...

Episode 66 - Circle Back Effect, Homeownership Challenges, Busy January 10.02.2025

🎥Kayla and Andrew are diving into the nitty-gritty of real estate life, tackling the "circle-back effect" of January, and sharing their thoughts on today's real estate market. From Andrew’s insights on how to build strong client relationships to Kayla’s advice on navigating homeownership challenges, this episode is packed with real stories and practical tips! 🏡✨ 🌟 What’s New in...

Episode 65 - LA Wildfires, Jobs Report, Real Estate Experiences from Andy and KK 14.01.2025

🎙️🔥 LIVE: It’s Real Podcast with Kayla Kallander & Andrew Yaggie 🔥🎙️ 🌟 Topics You Don’t Want to Miss: 📊 December Housing Market Stats – What’s happening locally? 📉 Interest Rates Update – How are they trending, and what does it mean for buyers & sellers? 💼 Federal Jobs Report – The surprising impact on mortgage rates. 🌲🔥 California Wildfires – Outrageous rent prices for displaced f...

Episode 64 - New Year Goals; Career Moves for Andrew 14.01.2025

Happy New Year! As we kick off Season 3 of the It's Real Podcast, Kayla and Andrew get you caught up with everything going on in the real estate market. We'll share more our personal professional goals in the new year, and in addition to a big announcement from Andrew, we'll provide some practical advice on dealing with people and situations when things don't go your way

Episode 63 - Reaction To Fed Rate Cut & 2025 Outlook 07.01.2025

Twas the week before Christmas and all through the house...there's a lot to talk about on Episode 63 of the It's Real Podcast! You'll hear our reaction to the Fed's rate cut yesterday, in addition to an outlook for 2025...we'll share market stats, the top 3 reasons why your home may not be selling, in addition to a big change for Kayla professionally. Tune in!

Episode 61 - Election news! Real Estate Market with Trump 06.01.2025

With the election in the books and another rate cut by the Fed, there's a lot to cover on today's episode of the It's Real Podcast. We'll get you caught up on everything happening in the housing market, talk rates, and give you our take on what the market looks like with a second Trump Administration. Tune in!

Episode 62 - What does a 2025 Housing Market Look Like? 06.01.2025

What do Barbara Corcoran, Fannie Mae, and the Mortgage Bankers Association all have in common? A revised outlook on the 2025 housing market, of course! On today's episode, we catch you up on rates, Minnesota Housing numbers, updated forecasts from the Mortgage Bankers Association, Fannie Mae, and Barabara Corcoran revealing what will make the real estate market "go ballistic" in 202...

Episode 60 - Advantages of the Market with Rates Increasing 01.11.2024

The advantages of this market! Home Sales are on track for their worst year since 1995 and a 30-year mortgage just hit 7% today, though believe it or not, it's not all doom and gloom in the housing market! On Episode 60 of the It's Real Podcast, we'll get you caught up on rates, housing numbers, and share with you the positives of our current market conditions. Kayla will illustrate...

Episode 59 - Fed Drops Rates! What This Means for Mortgage Rates. 01.11.2024

The Fed dropped rates half a percent in late September, but since then, we have seen mortgage rates climb nearly a percent, to a national average of 6.92% On Episode 59 of the It's Real Podcast, we dive into the current state of the market to help quell market confusion. We'll share national stats on home sales, in addition to providing helpful guidance to help you succeed in today'...

Episode 58 -9 Tips for a Bargain-Priced Home 01.11.2024

No matter what your local housing market is like, there are always strategies for finding cheaper homes. On today's episode, we'll share with you 9 tips for finding a bargain-priced home as compiled by Zillow. Tune in!

Episode 57 - Market Stats, Affordability and the Recent Jobs Report 01.11.2024

Fall is in full swing and with that comes changes in the real estate market. On Episode 57, we'll get you caught up on everything real estate - from market stats to interest rates, affordability, inventory and more...plus, we'll talk about the recent jobs report and how that is likely to affect mortgage rates. Tune in!

Episode 56 - To Refi or Not to Refi. Andrew's Refi Horror Story. 01.11.2024

Have you been thinking about refinancing your home mortgage? Perhaps you purchased a home in the past few years at a higher interest rate and hear talk of refinancing or the term "refi" and have no idea what it means. Either way, we've got you covered! On Episode 56 of the It's Real Podcast, we dive into the "refi" realm - what is a refinance? What is required? Is now...

Episode 54 - Best Time To Sell, Economic Data, and Rate Update 20.09.2024

With mortgage rates slowly drifting down, data points to another mortgage boom just around the corner. On Episode 54 of the It's Real Podcast, we get you caught up on everything happening in the real estate market including rates, when the best time to sell your home is, in addition to talking job and inflation reports and how they are influencing the market.

Episode 55 - Fed Cuts Rates .5%! What Does This Mean for Real Estate? 20.09.2024

The Federal Reserve cut interest rates for the first time in four years yesterday and on today's episode of the It's Real Podcast, we dive into what this means for mortgage rates, housing, and consumer debt. Did mortgage rates drop a half a percent as well? What does the housing market look like for the rest of the year? We'll answer all of those questions and more - tune in!

Episode 53 - Huge Mortgage Rate Shift & Changes to the Real Estate Industry Effective 8/17 21.08.2024

We have seen a huge shift in mortgage rates, leading to increased buyer and refinance activity. On Episode 53 of the It' Real Podcast, we'll talk rates, market stats, what an election means for home sales, and dive into the big changes coming to the real estate industry this Saturday. If you're buying or selling, you'll want to take note of these changes and how they'll im...

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