Real Estate Coaching Radio

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Your renter says, "We'd love to buy, but we just don't have enough saved for a down payment." Most agents say, "Let me know when you're ready." A year later, they're still renting, or they bought with the agent who knew about the programs for them.

Here's the truth: most of those renters aren't short on income. They're short on information.

There are more than 2,700 down payment assistance programs in this country, and most of them serve people earning over $100,000 a year.

In this episode, Tim and Julie Harris cover what down payment assistance is, who qualifies (first-time usually just means you haven't owned a home in three years), the difference between grants and forgivable, deferred and repayable seconds, why you need at least three lenders, and how to find the programs in your market.

Plus listener questions: do sellers see DPA offers as weaker, and can a buyer combine DPA with a seller-paid rate buydown?

Free training and newsletter: HarrisRealEstateDaily.com
Coaching: premiercoaching.timandjulieharris.com
Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
Join eXp + Libertas: WhyLibertas.com/Harris
Text Tim Direct: 512-758-0206
Opinions are my own and not the views of eXp Realty.

👉 Join the Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
📬 The daily companion to Real Estate Coaching Radio. Subscribe free: https://www.harrisrealestatedaily.com/subscribe

Rates are over 7%, and your buyer just said they're going to wait. But somewhere in your market, a homeowner is sitting on a 2.75% VA loan with no idea that their low rate could be the most valuable thing about their house.

A buyer can take that loan over: the rate, the payment, all of it.

In this episode, Tim and Julie Harris show you how assumable mortgages work: why FHA assumptions more than doubled in two years, the math that puts about $850 a month back in your buyer's pocket, what's assumable on FHA, VA and USDA loans, and why your buyer doesn't have to be a veteran to assume a VA loan.

You'll hear why the closing costs are lower, how to handle the cash gap with a seller second mortgage, why expired listings are a goldmine, and the tool that finds assumable loans in your market.

Plus listener questions from Carla in Jacksonville and Michelle in Virginia Beach.

This might be the best reason to pick up the phone you've had all year.

Free training and newsletter: HarrisRealEstateDaily.com
Coaching: premiercoaching.timandjulieharris.com
Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
Join eXp + Libertas: WhyLibertas.com/Harris
Text Tim Direct: 512-758-0206
Opinions are my own and not the views of eXp Realty.

Somewhere in your market this weekend, a neighbor at the coffee shop asked an agent, "So how's the market?" The agent said it's going to be real slow until rates improve, the conversation ended, and two weeks later that neighbor listed with somebody else.

Here's the thing: knowledge equals confidence, and ignorance equals fear.

In this episode, Tim and Julie Harris show you how to train your AI business bot to give you a local market briefing every morning: whether prices are going up, steady or dropping, how many listings are cutting their prices, how much sellers come down before they sell, the hot price range, and today's rates.

You'll hear why nearly half of agents now use AI every week; why builders are advertising rates under 4% while the weekly average sits around 7.4% (on a $400,000 loan, that's $2,770 vs. $1,890 a month); how to turn one data point into a seller email and a social campaign; and why the national numbers are not your market.

Plus a role play for the buyer who wants to wait for rates, and two listener questions: should you talk to buyers about adjustable-rate mortgages, and can you send an AI-written market update straight to your clients?

The agent with the knowledge gets the conversation and moves it forward.

Free training and newsletter: HarrisRealEstateDaily.comCoaching: premiercoaching.timandjulieharris.comHarris AI: HarrisAITeam.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.

Somewhere in your market this morning, an agent is still waiting for the crash. They're holding off on calling their sphere, holding off on the farm mailer, holding off on asking for the listing.

Here's the hard truth: the crash already happened. It happened three years ago, and the agents who stopped waiting are the ones taking the listings.

In this episode, Tim and Julie Harris break down why the doom headlines don't match what's happening on your street: eXp CEO Leo Pareja's take on what "normal" looks like now, why Austin is down 4.4% while Abilene, Texas is up 9% in the same state, and why payments, not rates or prices alone, are the real problem buyers face.

You'll learn the short list of numbers every agent should know cold (months of supply, absorption rate and days on market by price range); how to explain a seller's, balanced or buyer's market in plain English; the script for buyers who keep making lowball offers, starting with "What does a great deal mean to you?"; and how to keep sellers informed when a listing starts to sit.

Plus a listener question from Whitney: should you pay for staging upfront? Tim and Julie share the halfway approach that protects your money, and the advanced tip that lets the stager deliver the hard news about condition.

And stay to the end for our announcement about the new Harris AI Real Estate Team.

These are the numbers that make sellers trust you and make you sound like the expert in every conversation.

Free training and newsletter: HarrisRealEstateDaily.comCoaching: premiercoaching.timandjulieharris.comHarris AI: HarrisAITeam.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.

Nearly 14 million homes are about to change hands over the next ten years, and most of them are the family homes your buyers are dying to get.

It's the biggest listing opportunity most of us will see in our careers. And most agents are going to miss it, because they don't know how to talk to a 75-year-old homeowner and their grown kids.

In this episode, Tim and Julie Harris break down Realtor.com's projection that baby boomers and the generation before them will free up 13.9 million homes by 2036, why there are even more buyers coming behind them, and why the agents winning right now are doing the work they don't want to do. Plus the latest AI tools for agents, including what eXp announced at eXpcon.

You'll learn the sphere script that turns "do you know anybody?" into real leads; why these sellers care about safety, family, health and peace of mind, not your marketing plan; how to build your list and offer help instead of a pitch; how to bring the family in while remembering who your client is; the team of partners (consignment, estate sales, auctioneers) that makes you the first call; and the big secret to getting a downsizer moving.

Plus a listener question: how do you work with adult children who are pushing their parents to sell? Tim and Julie answer it with the story of a listing appointment where the right advice was to stay.

The agents who earn trust now are the ones those families will call.

Free training and newsletter: HarrisRealEstateDaily.comCoaching: premiercoaching.timandjulieharris.comHarris AI: HarrisAITeam.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.