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.

College funding strategies take center stage in this episode as Mike and his daughter Catey walk through the real-life steps they used to navigate scholarships, FAFSA planning, and long-term college savings. Catey shares her experience as a student-athlete, giving Realtors insight into how athletic recruiting actually works and why academic scholarship planning matters early. The episode explains how a 529 savings plan can reduce future debt and why so many families overlook smaller, local scholarships.

Mike also breaks down FAFSA filing tips, plus what every parent should know about tuition planning at private vs. state schools. For Realtors who get asked, “Should we save for college or buy a house first?” this conversation provides practical language for guiding clients through major financial decisions. With real examples and honest lessons learned, this episode equips real estate pros to support families navigating the balance between college costs and homeownership.

A 529 savings plan remains one of the most reliable college funding strategies thanks to tax-free growth and compounding returns. Mike explains how even small monthly contributions add up, and how new 529 rollover rules help students build long-term retirement savings. Realtors can use this insight when clients ask how college planning affects future homebuying power. Early action creates flexibility instead of financial strain.

Catey’s story shows how academic scholarship guides and strong GPAs are a major cost-saver—especially at private schools. Many parents don’t realize freshman-year grades impact class rank and scholarship offers. When clients ask, “Where do we even start with college money?”, academic merit is often the most impactful answer. These scholarships can offset tuition without relying on athletic recruiting.

FAFSA planning is essential, not optional. Filing early opens access to grants, school-based aid, and student loan options that reduce long-term debt. Mike dispels the myth that "FAFSA won’t help higher earners" and explains why every family must submit it. This context helps Realtors answer questions like, “Will student loans limit our ability to buy a home later?”

Catey describes her path through D1, D2, D3, NAIA, and JUCO evaluations—and why recruiting requires consistent effort, highlight videos, and campus visits. Athletic scholarships aren’t guaranteed, so families need to understand the true landscape. Realtors supporting sports families can help them think through travel costs, schedules, and timelines that influence both college planning and future home decisions.

Mike explains why small local scholarships—often $500 to $2,500—are the easiest money families overlook. Catey highlights how Bold.org, Niche, and AI tools simplify the search and even help refine essays. For Realtors asked, “What else can we do to find college money quickly?”, these tools provide real direction. Small awards add up fast and meaningfully lower...

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.

The Fed rate cut reaction caught everyone off guard—rates went down at the central bank but up for homebuyers. In this episode, Mike Mills explains why mortgage rates often move opposite of Fed cuts, breaking down how mortgage-backed securities (MBS), tariffs, and investor sentiment actually drive the market. Realtors will learn how to communicate these changes clearly to clients, structure deals with buydowns and concessions, and anticipate what the next Fed meeting might bring. Mike also dives into Texas housing turnover trends, new Fannie Mae credit score updates, and how to automate your real estate database with AI tools to stay ahead in 2025’s unpredictable market.

1. Fed Cuts Don’t Equal Lower Mortgage Rates

The Fed rate cut reaction shows that mortgage rates follow the bond market, not the Fed’s overnight rate. When mortgage-backed securities fall in price, mortgage rates rise—even after a cut. Realtors should help clients understand this distinction to set realistic expectations and avoid confusion when rates move in the opposite direction of the headlines.

2. Tariffs and Inflation Are Keeping Rates Volatile

Trade tensions and tariff headlines are pushing Treasury yields higher, making mortgage-backed securities less attractive to investors. This inflation pressure keeps mortgage rate volatility high. Agents should prepare clients for short-term fluctuations and focus on long-term strategy over daily rate swings.

3. Texas Housing Market Is Frozen but Stable

Turnover is slowing, but home prices in Texas remain remarkably steady. This means less movement but not a crash. For Realtors, it’s all about pricing accurately from the start, using AI-powered market research to set expectations with sellers and target serious buyers who are ready to act.

4. New Fannie Mae Credit Score Rules Expand Access

As of November 16, 2025, Fannie Mae is removing the 620 minimum credit score for DU-approved loans. This expands opportunities for borrowers with lower scores—if their overall profile is strong. Realtors can leverage this update when helping clients who may have been previously sidelined by traditional credit score limits.

5. Your Database Is the Real Game-Changer

Social platforms can change the rules overnight, but your email list and CRM are assets you control. Mike shares a practical AI workflow for Realtors to organize, tag, and automate their contact database—turning passive leads into real conversations and long-term clients.

Podcast Website → https://www.thetexasrealestateandfinancepodcast.com

Linktree (All Links + Resources) → https://linktr.ee/mikemillsmortgage

Referenced Data & Tools:

• Mortgage News Daily – Daily mortgage rate index and MBS updates →

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, Realtor & Team Lead at ARC Realty DFW, about what agents really face in 2026: unpredictable markets, high expectations, and the pressure to perform.

Together they unpack commission splits, lead generation systems, and practical real estate automation tools that actually help. You’ll learn how to leverage AI research and content marketing to compete with larger teams while protecting your personal brand.

How can Texas Realtors use AI to attract listings, stay visible online, and thrive in a competitive DFW housing market?

This episode delivers straight, actionable answers without the industry fluff.

1️⃣ Momentum Matters More Than Motivation

Agents who stayed consistent through high-rate years are now positioned to lead the rebound. Steady lead generation systems build pipeline stability and local visibility — the foundation of 2026 success for Texas Realtors.

2️⃣ Teams Provide Structure, Not Limitation

Joining a real estate team creates accountability and proven marketing systems that boost productivity. Collaboration fuels consistency, mentorship, and results — critical advantages in competitive Texas markets like DFW.

3️⃣ Solo Agents Must Think Like CEOs

Running solo means managing every hat — marketing, budgeting, client service, and growth. The winning solo agent strategy is automation, delegation, and process discipline that ensures consistent production all year long.

4️⃣ Technology Levels the Playing Field

Modern AI tools for Realtors — from property research to staging — help solo agents and small teams compete with large brokerages. Integrating automation boosts efficiency, professionalism, and online discoverability.

5️⃣ Visibility Beats Perfection

Clients can’t hire who they can’t find. For Texas Realtors wondering how to grow without endless posting — focus on consistent, authentic visibility across social media and email to build authority and trust.

00:00 – The reality of going solo — freedom vs isolation

01:30 – Market update: rate cuts and Realtor opportunity

04:01 – Momentum through tough markets

07:19 – Mentorship vs team training

08:40 – Lessons from the solo journey

12:56 – The truth about commission splits

15:30 – Questions to ask before joining a team

20:11 – Google Ads, YouTube, and modern lead generation

27:04 – Delegation and burnout prevention

31:55 – Why online presence matters

42:54 – Building systems and daily habits

55:05 – Real-world uses for AI in real estate

1:02:44 – Team culture and community

1:06:24 – Final advice: momentum, consistency, and support

• ARC Realty DFW – Lauren’s brokerage and team hub for agents in the Dallas–Fort Worth area – https://www.dfwsfinestrealestate.com
• Tom Ferry Coaching – Real estate mindset, systems, and marketing guidance –