Mortgage Cowboys

On this episode of Mortgage Cowboys, Mark and Todd dive into a wide variety of subjects with Omar Rosas, a personal coach from California. Omar explains modern health tools like peptides, talks about his background, and shares his biggest gym pet peeves. This conversation goes all over the place, so be sure to tune in!  00:00 Welcome 02:40 Typical Client Goals 05:29 Peptides and Revenue Streams 08...

In this episode of Mortgage Cowboys, Mark and Todd catch up on life and business updates. Tune in to hear about Mark’s floating deck project, an absurd call to the vet, Home Depot equipment rental disputes, a big business move, and so much more. 00:00 Show Intro03:07 Deck Build Updates03:41 Home Depot Rental Rant08:14 Dog Story13:51 Career Moves Update18:07 Gym Journey Reset20:18 Workout Benefits...

On this Episode of Mortgage Cowboys, Mark and Todd interview Justin Thomas, the founder of Better Man Beard, a Boise-based Beard Care Company. The guys learn some beard care tips, chat about Justin’s career arc, discuss operating a small business in Boise, and have a great time getting to know Justin.  00:00 Show Intro and Guest 00:27 Better Man Beard Origin 02:48 From Hobby to Markets 04:13 Wall...

On this Episode of Mortgage Cowboys, Mark and Todd begin the conversation catching up on 2026 market volatility. Next, the boys explain how inflation, treasuries, and mortgage rates often move inversely and why consumer sentiment and uncertainty affect real estate activity. Finally,  they highlight some misconceptions about modern home financing.  00:00 Market Chaos Check In 01:11 Rate Bet Gone Wr...

In this episode of Mortgage Cowboys, longtime behind-the-scenes producer Sean finally gets in front of the camera to talk about his unconventional path into video production, building a career without finishing college, and what it's like trying to figure out adulthood as a 26-year-old in a world that constantly makes you feel behind. 00:00 – Welcome to Mortgage Cowboys 00:55 – How Sean Got In...

On Season 2 Episode 4 of Mortgage Cowboys, the guys discuss how extreme the COVID housing market became, today’s housing market, mortgage rates, affordability, and what would realistically need to happen for home prices to fall significantly. Subscribe to the channel and share your thoughts in the comments. 00:00 COVID Listing Frenzy 01:18 Free Money Warning Signs 02:33 Rates Down Prices Up 06:32...

In season 2 episode 3 of Mortgage Cowboys, Tanner Helm and Tim Smith join the conversation to break down why so many real estate agents stay busy without ever creating a consistent, repeatable business. From prospecting and social media to commissions, referrals, client service, and profitability, this episode gets into what actually separates productive agents from everyone else 00:08 – What happ...

Home inspections can protect buyers from expensive surprises; but rushed inspection deadlines, hidden defects, and assumptions about new construction can make the process more complicated than most people realize. On season 2 episode 2 Mortgage Cowboys , Mark and Todd sit down with Chase Kerr of Morrison Plus Property Inspections to break down what professional home inspectors actually find, why n...

This week David Paul joins the Mortgage Cowboys to share how he went from playing football at Boise State to building a media and public relations company, becoming known as the “Voice of Boise,” and interviewing names like Shaq, Ice Cube, Mark Cuban, Larry David, and more. 00:00 – Welcome to Mortgage Cowboys 00:30 – Meet David Paul, “The Voice of Boise” 01:00 – Starting a Media Company During the...

Real estate Instagram leads are not just about posting more content, they come from starting better conversations. In Episode 16 and part two of this Mortgage Cowboys conversation, Mark and Todd continue their sit-down with Idaho Realtor Tim Smith to talk about how he treats Instagram like a real prospecting system. Tim breaks down why every new follower can become a potential conversation, how le...

#realestateagents #realestateleads #realestatesocialmedia #idahorealestate Real estate social media leads are changing how agents, mortgage brokers, and lenders build trust before the first conversation ever happens. In episode 15 of Mortgage Cowboys, Mark and Todd sit down with Idaho Realtor Tim Smith to talk about how he got into real estate at 19, went from selling 8 homes to 47 homes, rebuilt...

Mortgage rates in 2026 are finally showing signs of improvement, but the market still feels unpredictable for real estate agents, mortgage brokers, lenders, and buyers. In episode 14 of Mortgage Cowboys, Mark and Todd talk through what is happening with rates, why the bond market has been so volatile, and how global events continue to create uncertainty in the mortgage and real estate world.00:00...

In episode 13 of Mortgage Cowboys, we sit down with Dr. Ken to talk about going from chiropractic to real estate, learning from Mike Ferry, and why mindset still matters in today’s housing market. From decades around real estate coaching to building a new career in Boise, this episode dives into sales discipline, communication, first-time homebuyers, relocation, old-school relationship building, a...

In episode 12 of Mortgage Cowboys, we sit down with Sarah Brewer to talk about going from real estate photography to becoming a real estate agent, building a personal brand, and why authenticity matters in real estate. From photographing homes behind the scenes to preparing for her real estate license, this episode dives into community, business owners, legacy, old homes, networking, and the simpl...

In episode 11 of Mortgage Cowboys, we sit down with Andie Valenzuela to talk about moving from California to Boise, building a real estate career in a new market, and what it really takes to bet on yourself. From working with family in real estate to helping buyers relocate, this episode dives into mentorship, first-time homebuyers, communication, client relationships, and why starting over can so...

In Episode 10 of Mortgage Cowboys, we break down why homebuyers need to stop relying on AI mortgage advice, Google searches, and bad market predictions when making real estate decisions. From late payments that can derail a home loan to buyers waiting for a housing crash that may never come, this episode dives into the messy reality of mortgages, real estate, lending guidelines, and why talking di...

In episode 9 of Mortgage Cowboys, we sit down with Roberto from SB Studios to talk about podcasting, business, AI, and why storytelling matters more than ever in a fast-changing world. From building a podcast production company during COVID to navigating entrepreneurship, technology, and the future of work, this conversation breaks down how media, business, and human connection are all shifting at...

In this bonus episode of Mortgage Cowboys , Mark and Todd step away from the usual mortgage conversation and get into the real stories behind who they are. From tattoos to favorite movie houses like The Goonies, The Sandlot, and Breaking Bad. This episode is less about mortgage advice and more about getting to know the personalities, memories, and stories of Mark and Todd.  00:00 Welcome to Mortga...

In this episode of Mortgage Cowboys, we sit down with Jay who shares what it really takes to build a long-term career, earn trust, and stay relevant in today’s fast-changing market. From working their way up over decades to navigating real estate, business, and personal growth, this conversation breaks down the reality behind success that most people don’t see. We dive into: Why staying in one pla...

In this episode of Mortgage Cowboys, we sit down with real estate broker, auctioneer, and all-around powerhouse Janelle Anderson to break down why relationships, trust, and personal brand matter more than anything else in real estate. From growing up in a real estate family to building a referral-only business in a brand new market, this conversation reveals what actually separates average agents...

In this episode of Mortgage Cowboys, we break down the real first-time home buyer process and why so many buyers get stuck, overwhelmed, or misinformed before they ever make an offer. From pre-approvals and credit myths to down payment assistance, seller credits, and local Idaho programs, this conversation explains what first-time buyers actually need to know before starting their home search. We’...

In this clip, we break down temporary buydowns, one of the most misunderstood tools in today’s mortgage market, and explain how options like a 2-1 buydown really work. We walk through the difference between temporary vs permanent mortgage buydowns, how a temporary buydown lowers monthly payments for the first one or two years, and why the interest rate always returns to the original note rate afte...

In this episode of Mortgage Cowboys , we break down the growing narrative that big institutional investors are buying up all the homes, why that story doesn’t line up with what’s actually happening on the ground, and how media headlines and political talking points often oversimplify complex housing issues. From BlackRock and REITs to Zillow’s failed home-buying experiment, this conversation cuts...

In this clip, we break down FHA vs conventional loans and explain why many buyers and real estate agents assume a conventional mortgage is always the stronger offer, even when an FHA loan may be the better fit. We walk through how credit score requirements for FHA loans differ from conventional loans, how debt-to-income ratios affect mortgage approval, and why a buyer with an FHA loan is not autom...

In this episode of Mortgage Cowboys, we break down how mortgage rates actually move and why headlines about the Fed, government spending, and “money being pumped into the market” regularly confuse buyers, sellers, and even agents. From mortgage-backed securities and bond auctions to inflation, rate noise, and emotional market reactions, this conversation explains what really affects interest rates...