The Texas Real Estate & Finance Podcast with Mike Mills

How AI picks realtors is the question every Texas agent should be asking right now — because your next client is Googling you, or straight-up asking ChatGPT about you, before they ever pick up the phone. After six months away, Mike Mills is back with a full relaunch and an episode that runs from a Middle East war and a brand-new Fed chair all the way to the uncomfortable truth about what the inter...

Episode Description: The Federal Reserve just cut rates for the third time this year—but then signaled they're basically done. So what does that actually mean for mortgage rates and homebuyers in 2026? In this episode, Mike breaks down the December 2025 Fed meeting and explains three real reasons why mortgage rates could continue to drop in 2026, even though the Fed is pumping the brakes on future...

College funding strategies parents ignore. If your buyers are asking how to afford tuition and a mortgage, this episode breaks down real-world college savings plans, FAFSA filing tips, and scholarship stacking strategies. Learn how one Texas family used student-athlete recruiting and a 529 savings plan to cut future student loans without derailing their homeownership goals. Episode Overview Colleg...

Fed cuts rates, mortgage rates climb. If you’re wondering how that math works, you’re not alone. In this week’s episode, Mike Mills untangles the real connection between the Fed, mortgage-backed securities, and why housing affordability in Texas still isn’t catching a break. Episode Overview The Fed rate cut reaction caught everyone off guard—rates went down at the central bank but up for homebuye...

Are you better off building your brand as a solo agent—or thriving within the structure of a team? With the 2026 housing market warming up and new tech reshaping real estate, this episode breaks down the Solo vs Team Realtors debate once and for all. Solo vs Team Realtors isn’t about picking sides—it’s about finding what fits your business and lifestyle best. Mike Mills talks with Lauren Kerschen...

Mortgage rates are haunted by a $37 trillion debt—and Realtors need to know why. In this week’s episode, Mike Mills breaks down how national debt, gold revaluation, and the Fed’s rate games shape today’s housing market. Discover what it all means for real estate finance, your buyers, and the future of home affordability. 📌 Episode Overview: Mortgage rates and debt take center stage in this week’s...

40% of realtors fear for their safety. What if your smartphone became the most powerful agent panic button you already carry? Cathy Hickman, co-creator of SafeAgent, explains how realtor safety technology transformed after three men ambushed her at a showing—and why slower markets create the most dangerous conditions for solo agents. EPISODE OVERVIEW Realtor safety technology saves lives, but only...

Falling mortgage rates are reshaping the housing market—are you ready to guide your clients with confidence? In this episode, Mike Mills sits down with Steve Barton, EVP of Sales at Service First Mortgage, to break down what Fed rate cuts really mean for Realtors. Discover the strategies you need now to help buyers and sellers make smart moves in a shifting market. Episode Overview Realtor strateg...

Unlock land income opportunities today: Realtors learn how RV parking income turns idle lots into monthly cash flow. Curious how to pitch this to sellers for instant value? This episode shows a practical Realtor land strategy you can use this week. Episode Overview Land income opportunities aren’t just for big developers—Realtors, investors, and everyday landowners can tap into passive RV rental i...

Stop missing hidden listings. Texas probate real estate is a rich source of motivated sellers and probate real estate deals most agents overlook. In this episode, Harvard-trained attorney Carey Worrell reveals how Realtors can uncover probate property opportunities, build attorney partnerships, and resolve heir property disputes without losing commissions. Episode Overview Texas probate real estat...

Mortgage rate cuts are back on the table — but will they actually help buyers, or just push prices higher? In this week’s Texas Real Estate & Finance Podcast , Mike Mills breaks down the Fed’s latest signals, housing market shifts, and the AI tools Realtors can use to stay ahead. If you’re a Realtor navigating 2025 chaos, this one’s for you. Episode Overview The Mortgage Rate Cut Outlook 2025...

Confused about when mortgage rates will finally drop? You're not alone—and this episode brings the answers. Kendall Garrison, CEO of Amplify Credit Union, joins Mike Mills to unpack what the Fed’s latest decision means for interest rates, real estate professionals, and your clients’ wallets. 🎯 Episode Overview Mortgage Rate Forecasting is top of mind for Realtors in 2025—and in this data-packed e...

Unlock the true power of AI in real estate. Learn how to automate your CRM, craft ultra-personalized outreach, and dominate local lead generation using the latest tools — all tailored for real estate pros. If you're a Realtor ready to elevate your marketing with smart automation, this episode is your blueprint. 🔍 Episode Overview In this power-packed episode, Mike Mills sits down with Adam Gilles...

Rates are stuck, debt is exploding, and the dream of homeownership feels more like a financial fairytale. From $120K Bitcoin to $350K starter homes, this episode unpacks the chaos behind today’s real estate market with a punch of humor and a dose of hard truth. If you're a Realtor or mortgage pro trying to keep up, this is the episode that breaks it all down. 📌 Episode Overview In this episode, M...

Struggling to stand out in today’s market? AI is transforming how top Realtors generate leads, follow up, and close deals faster than ever. In this game-changing episode, Mike Mills and Ginger Bell reveal the real estate AI strategies that smart professionals are using to work less, earn more, and stay competitive in 2025 and beyond. 📝 Episode Overview Real Estate AI Strategy is no longer optiona...

Crashing prices, rising inventory, and Bitcoin-backed mortgages—what could possibly go wrong? The Texas housing market shift is in full swing, and it’s turning traditional real estate wisdom on its head. If you’re a Realtor trying to stay profitable in this madness, this episode is your new playbook. Episode Overview In this fast-paced breakdown of the Texas housing market shift happening in Summe...

Realtors, want to thrive—not just survive—in today’s market? This episode unpacks the AI Real Estate Revolution , showing how smart tech can supercharge your sales and client connections. Discover the must-use tools and mindset shifts that will elevate your real estate game. 📌 Episode Overview In this episode of The Texas Real Estate & Finance Podcast , host Mike Mills sits down with tech inn...

“Mortgage rates stalled, housing inventory surging, and AI taking over lead follow-up—sounds like a market meltdown, right?” This week, we dive deep into the Texas housing market and reveal the must-use AI lead conversion tool every Realtor needs. Consider this episode your playbook for navigating 2025’s unpredictable real estate landscape. 📘 Episode Overview AI Lead Conversion Tools are revoluti...

Realtors, ready to slash your workload and still close more deals? Discover how AI-driven Realtor tools are helping agents automate follow-ups, generate custom CMAs, and find their perfect niche—without lifting a finger. In this episode, tech strategist Jeff Loyd reveals how to future-proof your real estate career and start working smarter today. 📋 Episode Overview AI-Driven Realtor Tools are tra...

🏡 What if AI could generate leads, qualify buyers, and book appointments while you focus on closing deals? In today’s episode, we reveal how Realtor AI Automation is transforming the real estate industry—helping agents work smarter, not harder. If you’re ready to scale your business, streamline your CRM, and stay ahead of the competition, this is the episode you can’t afford to miss! 📢 Episode O...

Want to stand out as a Realtor in 2025 ? With digital marketing, social media, and AI transforming the industry, agents who adapt will dominate—while those who don’t risk being left behind. In this episode, we break down the ultimate Realtor marketing strategies for 2025 , helping you attract leads, grow your brand, and future-proof your business! 🎙 Episode Overview: What You’ll Learn In "Realtor...

The real estate and mortgage industries are facing major disruptions —are you ready? With the CFPB under Trump rolling back regulations and HUD layoffs threatening FHA loan processing , these changes could significantly impact Realtors, lenders, and homebuyers . In this episode, we break down how these shifts could reshape the housing market and what real estate professionals must do now to stay a...

Texas home insurance rates are skyrocketing , leaving homeowners and real estate professionals scrambling for answers. In this episode, Mike Mills sits down with insurance expert Brad Bingham to uncover the real reasons behind these rate hikes —from extreme weather to shifting policy structures. Don’t miss this insider guide to protecting your clients, your investments, and your wallet in today’s...

The market is shifting, and realtors who adapt will thrive. This week, we’re covering Austin’s cooling home prices, the latest mortgage rate forecast, and the best AI tools for real estate professionals looking to scale their business. Plus, our ‘Weekly Wildcard’ takes a deep dive into an unexpected economic twist that could shake up the housing market. Episode Overview The real estate industry is...

🚨 The NAR Settlement Update 2025 is shaking up the real estate industry, and Realtors need to act fast . With MLS rule changes , buyer agent commission shifts , and new legal risks , staying informed is no longer optional—it’s essential. Tune in now to get expert insights on how these changes impact your business and what you must do to stay competitive in 2025! Detailed Episode Overview The NAR...