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House Keys

Birdman Media™

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HOUSE KEYS is your go-to podcast for unlocking the world of real estate with clarity and confidence. Hosted by Rob “Birdman” Hephner and featuring trusted real estate expert Stephanie Crain of Mountain Retreat Realty Experts, this series breaks down the complex terms, processes, and decisions involved in buying and selling homes. With over 20 years of industry experience and a reputation for unmatched integrity, Stephanie brings practical insights, real-world examples, and straight-talk expl ...
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AllMusicPodcasts

allmusicbooksdeepdive

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Music industry veteran SteveJ takes a "deep dive" into music books, including bios, criticism, photography, and cultural takes, and explores music documentaries and films with the people behind them, along with a fascinating revolving panel of guests.
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Stephanie Crain talks about a Home with a Contigent Sale How it Works • A buyer makes an offer and includes contingencies to protect themselves. • The seller accepts the offer, but the home doesn’t officially change hands until those contingencies are resolved. • While the property is listed as contingent, the seller may still accept backup offers …
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Stephanie Crain talks about Common Contingencies in a Home Sale 1. Financing Contingency – The buyer must be approved for their mortgage. If financing falls through, the buyer can back out. 2. Inspection Contingency – The home must pass a professional inspection to the buyer’s satisfaction. If major issues come up, the buyer can request repairs, a …
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Stephaine is THE expert when it comes to selling Cabins in the Arizona White Mountains, take a listen as she talks about the things you'll need to know. 1. Know Your Buyer Type Cabins often appeal to three main groups: • Vacation home buyers looking for a weekend retreat • Investors seeking short-term rental income • Full-time residents who want a …
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Stephanie digs into the real facts about living in the Arizona White Mountains. The Pros 1. Stunning Natural Beauty & Outdoor Recreation The Arizona White Mountains are surrounded by pine forests, lakes, streams, and open meadows. If you love the outdoors, you’ll find year-round activities — fishing, hiking, mountain biking, skiing at Sunrise Park …
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Closing day is the finish line in a home purchase—it’s when all the documents are signed, money is exchanged, and ownership officially transfers from the seller to the buyer. Here’s what happens step by step: ⸻ 🗓️ What Happens on Closing Day? ✅ 1. Final Document Signing You (and the seller) will sign a stack of legal documents, including: • The clo…
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Closing costs are the fees and expenses—beyond the down payment—that buyers and sellers pay when a real estate transaction is finalized (“closed”). These costs cover everything from lender fees to title services, and they typically range from 2% to 5% of the home’s purchase price. ⸻ 🧾 What’s Included in Closing Costs? 🔹 For Buyers: Buyer closing co…
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💵 So, How Much Do You Need to Buy a Home? The amount depends on several factors: the loan type, the purchase price, your credit, and closing costs. Here’s a breakdown: ⸻ 🔑 1. Down Payment Options You can buy a home with as little as 0% to 5% down in many cases: • Conventional Loans: • Minimum down: 3–5% (depending on income and loan program) • 20% …
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🔍 What Is a Home Appraisal? A home appraisal is a professional, third-party assessment of a property’s market value. It’s typically required by lenders during a home purchase or refinance to ensure the loan amount doesn’t exceed the value of the property. 🧑‍💼 Who Performs the Appraisal? A licensed or certified appraiser—who is neutral and independe…
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An Adjustable-Rate Mortgage (ARM) is a type of home loan where the interest rate can change over time, usually in response to changes in a financial index (like the 1-Year Treasury rate or SOFR). ⸻ 🏠 Key Features of an ARM: 1. Introductory Fixed Rate Period • You get a low fixed interest rate for a set number of years (commonly 3, 5, 7, or 10). • E…
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🔍 What “As-Is” Really Means: • The buyer gets the property exactly as it stands, with all its flaws—visible or hidden. • The seller makes no guarantees about the home’s condition. • The seller won’t fix any issues found during the home inspection. • The buyer still has the right to inspect the property, and can walk away or negotiate based on what’…
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🔑 Typical Buyer’s Costs in a Real Estate Transaction 1. Loan-Related Costs Origination fee: Charged by the lender for processing the loan (0.5%–1% of loan amount). Credit report fee: $25–$50. Appraisal fee: $300–$600 (paid to confirm the home’s market value). Underwriting fee: Charged by the lender for evaluating the loan application. Discount poin…
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Welcome to the first episode of House Keys HOUSE KEYS is your go-to podcast for unlocking the world of real estate with clarity and confidence. Hosted by Rob “Birdman” Hephner and featuring trusted real estate expert Stephanie Crain of Mountain Retreat Realty Experts, this series breaks down the complex terms, processes, and decisions involved in b…
  continue reading
 
Step into the pulse of San Francisco’s music scene with the Music City San Francisco Podcast, presented by Pantheon Media. Broadcasting from the heart of the city on the corner of Polk and Bush, this podcast captures the pulse of a city steeped in musical history and alive with a modern-day revolution. From the legendary Hyde Street Studios, where …
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