Welcome back to America’s #1 Daily Podcast, featuring America’s #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris? Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206.
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2025’s Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind! ????
Is 2025 hitting your real estate hustle like a rogue wrecking ball? You’re not imagining it—this market’s a BEAST! ???? Leads are playing hard-to-get, competition’s got claws, and clients are side-eyeing every move. For too many agents, the vibe’s less “top producer” and more “where’d my mojo go?”
But hold up—there’s a way to flip the script before its too late! ????
Join real estate rockstars Tim & Julie Harris for their Exclusive Mastermind Webinar—a no-BS, action-packed session where they’re sharing the secrets on how top agents are CRUSHING the 3 deadliest problems tanking careers in 2025:
???? Proven, Powerful Lead Gen Systems : Unlock strategies that pull in leads like moths to a flame—tailored for TODAY’S market.
???? Real Estate Systems That Stick: Get simple, repeatable playbooks to take back control and keep your pipeline POPPIN’.
???? Branding That Magnetizes: Learn how to make sellers swoon and pick YOU over the competition.
“Tim & Julie’s playbook TRIPLED my listings. Game-changer!” – Mike R., Top Agent ????
⏰ Only 177 seats left! This ain’t a fluffy seminar with recycled advice. No replays, no do-overs—just straight-up, market-specific solutions to get you UNSTUCK.
???? Snag your spot NOW: https://harrismastermind.com <——–
P.S. If you’re already obsessed with Tim & Julie’s podcast, brace yourself—these masterminds are next-level! Deeper insights, faster results, and a rocket boost to your career. Don’t sleep on this—reserve your seat before they vanish!
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Most buyers think the only way to purchase a home is the “standard” 30-year fixed loan with 20% down. But in today’s market, that’s far from the only option. Smart agents know the menu of alternatives — and how to match clients with the right product.
Knowledge = confidence, and ignorance = fear, so let’s build your confidence with this guide.
HUGE Announcement: You will love this! Looking for the full outline from today’s presentation? Our DAILY Newsletter featured lead generation systems, real estate scripts, daily success plans and (YES) the notes or today’s show. Best part? The newsletter is free! https://harrisrealestatedaily.com/
1️⃣ Adjustable-Rate Mortgages (ARMs)
Great for buyers who don’t plan to stay long-term.
Lower initial rates vs. fixed: as of Sept 2025, a 5/1 ARM averages 5.89%, a 7/1 ARM ~6.02%, and a 10/1 ARM ~6.15% (Mortgage News Daily).
Example: On a $400,000 loan, a 5/1 ARM at 5.89% saves ~$270/month compared to a 30-year fixed at 6.22%.
???? Action Step: Record a quick explainer video — “What’s a 5/1 ARM and how much could you save? Let me show you real numbers from today’s market.”
2️⃣ FHA Loans
Designed for first-time buyers or those with lower credit.
- Down payments as low as 3.5% with a 580+ FICO score
- Ratios more lenient than conventional (up to 50% DTI)
- Available at most major banks and mortgage companies (Wells Fargo, U.S. Bank, Movement Mortgage)
???? Action Step: Create a buyer handout or post — “Think you need 20% down to buy a home? Not true — FHA can get you in for 3.5%.”
Ready to become an EXPIRED Listing Agent? As promised, here is the discount link for the EXPIRED LISTING LEADS: REDX
3️⃣ VA Loans
For veterans, service members, and some surviving spouses.
- $0 down payment
- No PMI
- Competitive rates and flexible credit requirements
Myth Busted: VA loans now close in roughly 45 days, about the same as conventional (ICE Mortgage Tech).
???? Action Step: Host a short Veterans Day video — “Here’s how VA loans can get our heroes into homes with no down payment.”
4️⃣ Renovation Loans (FHA 203(k) & Fannie Mae HomeStyle)
Combine purchase + renovation into one loan.
Example: $300K fixer + $100K upgrades → finance $400K total.
- FHA 203(k): home ≥ 1 year old; must meet FHA standards post-reno
- HomeStyle: broader use, allows luxury upgrades
Perfect for buyers frustrated by limited move-in-ready homes.
???? Action Step: Share before/after reels — “This was a 203(k) renovation — ask me how it works!”
REAL ESTATE LEADS, LEADS and more LEADS: Question: What is Tim and Julie Harris’s favorite PROBATE LEAD PROVIDER? Simple, alltheleads.com/harris
5️⃣ Asset-Based & Ultra High-Net-Worth Loans
Approval based on assets, not just income.
Example: Retiree with $2M investments can qualify using assets.
Requires seasoned accounts (6–12 months) & strong reserves.
Offered by private banks (UBS, Citi Private Bank, Goldman Sachs).
???? Action Step: Post a carousel — “Got assets but low income? An asset-based loan could unlock homeownership.”
6️⃣ Doctor & Professional Loans
For physicians, dentists, lawyers, and high-earning professionals.
- 0–5% down, no PMI
- Flexible DTI
- Counts future income from signed contracts
Programs: Bank of America, Truist, Fifth Third, etc.
???? Action Step: Record a LinkedIn video — “New doctors & lawyers — here’s how special programs help you buy early in your career.”
7️⃣ Assumable Loans
Certain FHA, VA, USDA loans can be assumed by a buyer.
Example: Seller’s $250K FHA at 3% → buyer assumes it, finances the rest separately.
Huge advantage in a high-rate market.
???? Action Step: Add “Assumable loan potential” to flyers & posts — buyers love “keep the seller’s 3% mortgage.”
8️⃣ Mortgage Porting (Rare in U.S.)
Transfer your low-rate mortgage to a new home.
Common in UK/Canada; rare in U.S.
Example: Port $300K loan @ 3.5% to new $400K home; finance extra $100K at today’s rate.
???? Action Step: Instagram prompt — “Imagine keeping your 3.5% rate when you move — common in Canada & the UK!”
???? Conclusion: Knowledge = Confidence
Knowing every mortgage option lets you guide clients with clarity — from 3.5%-down FHA buyers to $0-down veterans to private-bank clients.
Expertise builds trust.
???? Homework: Host a homebuyer or seller seminar (in-person, Facebook Live, or Zoom). Invite specialized lenders, record it, repurpose into reels, and use it for lead generation.
Consistency here = more listings and closings later.
