Housing inventory is up 28.9% year-over-year — nearing post-pandemic highs — but does this mean buyers finally have leverage? In this week’s episode, Andy, Brian, and Will break down the real story behind the numbers, the psychology of sellers, and what today’s market means for buyers, sellers, and investors.

We cover:
🏠 Why prices aren’t falling despite a surge in inventory
⚖️ Buyer leverage: fact or fiction in summer 2025?
📉 How emotional pricing from sellers is impacting negotiations
📊 The role of appraisals, credits, and concessions in this market
🌍 California housing crunch: 20% of homes now investor-owned (80% in some counties!)
💡 Why VA buyers and first-time buyers need to act before investor share grows
🔑 How to compete with investors using creative financing & “Fix and Keep” strategies

Whether you’re buying, selling, or holding, this episode will give you the clarity and strategies you need to navigate an evolving housing market.

💬 Are you seeing buyers gain leverage where you live? Share your market take in the comments.
🔔 Subscribe for weekly real estate & mortgage insights.
📩 Share this with someone planning to buy or sell in 2025.

#MortgageHeroes #HousingMarket2025 #HomeBuyingTips #FirstTimeHomeBuyer #InvestorOwnedHomes #CaliforniaHousing #MortgageTips #RealEstatePodcast #RealEstateInvesting #InventorySurge #BuyerLeverage #VAHomeLoan #FixAndKeep #DownPaymentAssistance #MarketUpdate2025

In this powerful and inspiring episode, we are joined by Captain Eugene Raymond Bailey, a 30-year U.S. Navy veteran, distinguished leader, and decorated officer. Captain Bailey reflects on his incredible journey from humble beginnings in Youngstown, Ohio, to the U.S. Naval Academy, and through a storied military career that includes:

🏅 Three Legion of Merit medals
🏅 Two Meritorious Service medals
🪖 Eight years of sea duty
🧭 Service under Special Warfare Command
🎖️ Rising to the rank of Captain (O-6)

He shares stories of leadership, accountability, and how mentorship and humility shaped his career — including pivotal moments like his first “sir” in a fire emergency aboard a wooden minesweeper, and how 77 sailors once petitioned to keep him as their division leader. Through laughter, wisdom, and perspective, Captain Bailey shows us how excellence is built through people, choices, and purpose.

From commanding 500+ sailors to advocating for education, strategic planning, and service beyond the uniform, this episode is a masterclass in leadership, gratitude, and resilience.

🎧 Whether you're military, a leader, or someone facing your next life chapter — this episode will inspire you to show up stronger and lead with heart.

👉 Don’t miss this opportunity to hear from one of the most accomplished — and most humble — leaders we’ve ever had the honor to interview.

📌 Watch now and drop your questions or thanks in the comments!
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🔗 Connect with Us
💬 Have a question for Captain Bailey or want to share your story? Comment below!
📥 Contact us for speaking engagements or veteran-focused mortgage support.
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#VeteranLeadership #USNavy #MortgageHeroes #FriendsOfMortgageHeroes #CaptainBailey #LegionOfMerit #MilitaryTransition #NavyVeteran #LeadershipMatters #ServiceBeforeSelf #NavalAcademy #RealTalkLeadership #Empowerment #GratitudeInAction #NavyStories #VeteranSupport #MilitaryMortgage #MilitaryLife #InspirationForAll

In this episode of the Mortgage Heroes Podcast, Brian and Will tackle one of the biggest roadblocks to homeownership — the down payment. 💥 From crushing the myth that you need 20% down, to exploring real down payment assistance (DPA) options that actually work in today’s market, this episode is packed with real-world strategies that are helping buyers get into homes right now.

🚨 Plus — we break down the growing trend of "Fix and Keep": how everyday buyers (not just investors) are using renovation loans with VA, FHA, and Conventional financing to transform outdated properties into dream homes — and even add value with ADUs! 💪🏡

Whether you're a first-time buyer, someone without a large down payment, or a homeowner looking to build wealth by upgrading what you already own — this episode is for YOU.

🔑 Topics Covered:

- The truth about down payment assistance programs (grants, forgivable & repayable loans)

- Who qualifies and how to apply

- The power of renovation loans: "Fix & Keep" instead of flipping

- Using VA/FHA/conventional rehab financing

- Creating generational wealth through real estate

- Real-life case studies and financing strategies that are working right now

👇 Have questions? Drop them in the comments or reach out directly!

📲 Subscribe & turn on notifications to stay in the know.

#MortgageHeroes #DownPaymentAssistance #RealEstateInvesting #HomeownershipTips #RenovationLoan #FixAndKeep #FHA203k #VARehabLoan #RealEstateStrategy #BuildWealth #ADU #FirstTimeHomeBuyer #SanDiegoRealEstate #RealEstateEducation #RealEstatePodcast #MortgageTips #HomeLoanHelp