Bryan Royster And Sofia Kifle-Baker

Shows

Let’s Talk BS with Bryan & SofiaLet’s Talk Mental Health, Being Mindful With Yourself, How Do You Handle Stress, The “Cougar Auntie”, 4 Foods 1 Must Go, and more with Dr. Jo and Dr. Mo! - S4 - #15In today’s episode Bryan and Sofia talk with special guests Dr. Jo and Dr. Mo about mental health, a mechanical bull ride, being mindful, handling stress, the “Cougar Auntie” story, why rest is a huge problem solver, Bryan’s boldest food take ever, and more! LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-07-311h 03

Let’s Talk BS with Bryan & SofiaLet’s Talk The Rules For First-Time Homebuyers, Student Loan Changes, What 0% Down Really Means, 4 Club Songs - 1 Must Go, and more! - S4 - #14In today’s episode Bryan and Sofia talk the best biscuit ever, some things you might not know about first-time homebuying, what is a “funding fee”, student loan changes, the 5-year housing trend, what 0% percent down really means, and more! LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-07-1856 min

Let’s Talk BS with Bryan & SofiaLet’s Talk The P Diddy Verdict, Effects of the Big Beautiful Bill, New Jobs Report, Who’s The Better Skater, 4 R&B Songs - 1 Must Go, and more! - S4 - #13In today’s episode Bryan and Sofia talk that P Diddy verdict, Sofia’s tennant story, who can skate better, mortgage news, jobs report, flipping a property, and more! LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-07-0448 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Why You NEED Credit, Facing Your Mortgage Lending Fears, 100 Oysters, 4 Summer Activities - 1 Must Go, and more! - S4 - #12In today’s episode Bryan and Sofia discuss thoughts on oyster eating, a skating competition, Bryan’s surprise real estate transaction, why you need to face your mortgage lending fears, credit, Michael Jordan’s funds free healthcare, 4 summer activities - 1 must go, and more! LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-06-2157 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Are AirBnB’s Getting Worse, Insurance Types You NEED To Know As A Homeowner, VA Loans, 4 Seasons - 1 Must Go, and more! - S4 - #11In today’s episode Bryan and Sofia discuss thoughts on test taking, VA loans, getting a lien from a dissolved business, every insurance type you need to know about, are AirBnB’s worse now, 4 seasons - 1 must go, and more! LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-05-3059 min

Let’s Talk BS with Bryan & SofiaLet’s Talk How Bryan Won Something, Sofia’s Successful Event, Never Lie To Your Lender, The Virginia Dream Program, 4 Digital Platforms - 1 Must Go, and more! - S4 - #10In today’s episode Bryan and Sofia discuss his new construction, Sofia’s business networking event, why you can not lie to your lender, what you should know about the Virginia Dream Program, choosing between Apple, Microsoft, Apple, and Google, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-05-1048 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Student Loans Are Suddenly Due, Rates Stable - Trump Quiets Down, Ryan Coogler’s ‘Sinners’, The Shannon Sharpe Allegations, and more! - S4 - #09In today’s episode Bryan and Sofia discuss how Easter went, working with a secret celebrity, rates stable this week, Sofia dealing with a years-long new construction project, student loans going to collections, the Sinners movie, Sofia doesn’t do scary movies, 4 classic movies - 1 must go, the Shannon Sharpe allegations, NFL draft, and more! LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbsp...2025-04-261h 00

Let’s Talk BS with Bryan & SofiaLet’s Talk Tariffs, That $60,000 Norfolk Grant, What’s The Best Grant, Non-Traditional Loans, Learning From Monopoly, 4 Basketball Legends - 1 Must Go, and more! - S4 - #08In today’s episode Bryan and Sofia discuss Good Friday and Easter, do you like the 757, Bryan went to Katt Williams show, talking tariffs, is Trump trying to fire Jerome Powell, the $60,000 Norfolk grant, non-traditional loans, what you can learn from playing Monopoly, 4 basketball legends - 1 must go, and more! LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtub...2025-04-201h 01

Let’s Talk BS with Bryan & SofiaLet’s Talk The FHA Denying Loans For Non-Permanent US Residents, The New VB Food Tax, Bryan Rented A Theater, Sofia Played No Mercy Uno, and more! - S4 - #07In today’s episode Bryan and Sofia discuss new drivers, the time Sofia went to court over a stop sign, Bryan renting out a theater, what is No Mercy Uno, The FHA announcing that non-permanent US residents can no longer apply for loans, a new food tax for Virginia Beach, and more! (*Today’s show does not constitute financial advice.) LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalk...2025-04-0249 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Quitting Your Job Just To Qualify For A Homebuyer Grant, What Would You Do With $1 Trillion, Mortgage Rates, The Stock Market Crashing, 4 Seafood Options - 1 Must Go, and more! - S4 - #06In today’s episode Bryan and Sofia discuss what a divorce party is, Busch Gardens Mardi Gras, local hockey with the Norfolk Admirals, the mental side of sports, should you quit a high paying job just to qualify for homebuying grants, CitiBank’s trillion dollar mistake, a congressional DUI, mortgage rates, Trump and the stock market crash, 4 seafood options 1 must go, and more! (*Today’s show does not constitute financial advice.) LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with...2025-03-1557 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Snow Days, Fannie Mae & Freddie Mac Changes, Can You Get A Loan If You Have Government Debt, 4 Classic Sitcoms - 1 Must Go, and more! - S4 - #05In today’s episode Bryan and Sofia discuss the recent snow days, Bryan shorting stocks, whether or not you can get a loan if you have government debt, what’s happening with fed rates, new Fannie Mae and Freddie Mac changes, 4 classic sit-coms - 1 must go, and more! LTBS Podcast - Hosted By Ibis Cuisine Restaurant: Website: https://ibiscuisinerestaurant-bx7jcalq.toast.site/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstal...2025-03-0158 min

Let’s Talk BS with Bryan & SofiaLet’s Talk The Superbowl, Hidden Rooms, Our Host Ibis Restaurant, Snow Day Plans, Trump Halting CFPB, Bryan’s First TV Interview, 4 Greatest Rappers 1 Must Go, and more! - S4 - #04In today’s episode Bryan and Sofia discuss this year’s Superbowl and Half-time show, picking 1 of 4 classic rappers to erase from history, enjoying food at new LTBS host Ibis Restaurant, everyone’s getting sick, Trump halts the CFPB and their protections, Bryan’s first tv interview as a kid, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-02-211h 03

Let’s Talk BS with Bryan & SofiaLet’s Talk The Horrible Potomac River Tragedy, What Has Trump Been Changing, Are Credit Scores Like GPA’s, Bryan’s Investment Properties, Sofia Stands Her Ground On R&B Legends, and more! - S4 - #03In today’s episode Bryan and Sofia discuss that horrible Potomac River plane crash, what changes has Trump been making, Sofia’s gym has been too crowded, Bryan’s investment properties, Sofia doubles-down on her R & B legends ranking, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-02-0257 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Medical Debt Getting Wiped From Credit Reports, State Farm Dropped California WIldfire Victims, The Real Estate Deal That Ended A Friendship, and more with James Jenkins! - S4 - #02In today’s episode with special guest James Jenkins, we talk about a snow day in the 757, James steppin community, rates drop & CPI report, how State Farm dropped California wildfire victims, medical debt being wiped from credit reports, the real estate deal that ended a friendship, which R & B star would you wipe from history, why you should get solar panels, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-01-171h 10

Let’s Talk BS with Bryan & SofiaLet’s Talk Goals For 2025, Looking Back At 2024, Christmas Recap, That Cybertruck Attack, What’s Happening In Real Estate, and more! - S4 - #01In our first episode of 2025, Bryan and Sofia discuss the New Year, a Christmas recap, class reunions, Season 2 of Squid Games, how Sofia beat her monthly challenge, what’s happening in real estate, the Cybertruck attack, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2025-01-0440 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Wrapping Up 2024, Fed Rate Changes, They Caught Luigi, A Squatter With A Knife, Do We Need Daylight Savings Time, and more with Rashida Strayhorne-Mahoney! - S3 - #34In today’s episode with special guest Rashida Strayhorne-Mahoney, we talk about why we still do Daylight Savings Time, the squatter with a knife story, fed rate changes, Jerome Powell, they caught Luigi, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-12-201h 04

Let’s Talk BS with Bryan & SofiaLet’s Talk About That Assassinated CEO, How Your Neighbors Affect Your Home Insurance, Floating Interest Rates, Navient Banned From Student Loans, Free Tuition, and more! - S3 - #33In today’s episode we talk about our Thanksgiving recap, why you shouldn’t be afraid to talk to your lender, a unique cash-out refinance, how your neighbors affect your home insurance, floating interest rates, the United Healthcare CEO assassination, Navient banned from student loans, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-12-101h 01

Let’s Talk BS with Bryan & SofiaLet’s Talk The State Of The Market, Buyer Misconceptions, Are Non-Agents Allowed To Access The MLS, Hallmark Movies, Thanksgiving Plans, and more with Lakala Abrams! - S3 - #32In today’s episode we talk with special guest Lakala Abrams about thanksgiving plans, Hallmark movies, real estate in the 757, state of the market, if non-agents are allowed to access the MLS, buyer misconceptions, Bryan’s classic “food or gas” story, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-11-2359 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Halloween Recap, Trump Won, When Did Women Get Rights, New Fed Rate Cuts, Bryan’s NYC Trip, Sofia’s Homecoming, Love Is Blind Recap, and more! - S3 - #31In today’s episode we talk about when you should use slang, Sofia went to homecoming and met someone wild, Bryan’s NYC trip, Halloween, Sofia’s daughter’s driving, Trump won the election, when did women get different rights in America, Love Is Blind recap, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-11-091h 04

Let’s Talk BS with Bryan & SofiaLet’s Talk The DOJ Suing Rocket Mortgage, Improving Your Credit, WTF Just Happened To Rates, Bryan’s Football Coaching Recap, DON’T Scare Sofia, and more! - S3 - #30In today’s episode we talk about Bryan coaching his son’s football season, Sofia’s Hunt Club Farm visit, the DOJ suing Rocket Mortgage, how are you supposed to improve credit, the history of debit card rewards, what just happened to rates, Bryan’s NYC trip, why Sofia doesn’t like being scared, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-10-2642 min

Let’s Talk BS with Bryan & SofiaLet’s Talk A Mortgage Rates Update, How Student Loans Can Affect Your Mortgage, Dealing With Credit Report Disputes, A Power Wheels DUI, and more! - S3 - #29In today’s episode we talk about Christmas on the beach, weekend sports and dance, Bryan’s golf walker, mortgage rates updates, how student loans factor into mortgage loans, dealing with credit report disputes, Sofia’s scary story, a Love is blind recap, and how someone got a DUI while driving a Power Wheel toy car? Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-10-231h 03

Let’s Talk BS with Bryan & SofiaLet’s Talk Closing Costs, Insurance, Bryan’s Denver Trip, Sofia Is Betrayed By Chick-fil-a, Is It Okay To Take Back Gifts After A Break-up, and more! - S3 - #28In today’s episode we talk about Bryan’s Denver trip, meeting Anderson Paak, Sofia’s running progress, a Chick-fil-a betrayal, insurance tips, closing costs, Love Is Blind’s new season, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-10-151h 04

Let’s Talk BS with Bryan & SofiaLet’s Talk How To Handle Inherited and Investment Properties, Would You Buy A House You’ve Never Seen, How To Lose Your Qualification, Sofia’s Monthly Challenge, and more! - S3 - #27In today’s episode we talk about Sofia staying out too late, her homebuyer event recap and new monthly challenge, why Bryan’s buyer suddenly lost qualification, would you buy a home you’ve never seen in person, how to handle inherited properties and investment properties, travel plans, the new season of Love Is Blind, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-10-081h 00

Let’s Talk BS with Bryan & SofiaLet’s Talk Who Is Paying $3,000 A Month For Rent, Occupancy Issues And Home Loans, The P Diddy Updates, Sofia’s New Nose Piercing, and more! - S3 - #26In today’s episode we talk about Sofia and her new nose piercing, school and sports, occupancy issues and home loans, is it reasonable to be paying $3,000 a month in rent, refrigerators, P Diddy updates, TV show drama, can you own a town, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-09-281h 03

Let’s Talk BS with Bryan & SofiaLet’s Talk Our Summer Recap, Something in the Water Postponed, P Diddy Denied Bail, Fed Finally Cut Rates, Back To School, Sports, and more! - S3 - #25In today’s episode we talk about summer recap, school vs. weekend, football kid story, the Something in the Water concert being postponed, P Diddy denied bail, casino stories, Beyonce, the Olympics, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast 2024-09-201h 09

Let’s Talk BS with Bryan & SofiaLet’s Talk Juneteenth, VA Loan Updates, Required Inspections, The Michigan Man Got His Permit, Bad Boys 4, Graduations, Father’s Day, and more! - S3 - #24In this episode Bryan & Sofia talk about Father’s Day, graduation stories, Bad Boys 4, Juneteenth, best ice cream, Michigan Man got his permit, VA loan updates, inspections, getting a loan, crazy insurance premiums for permits, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-06-1857 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Is Buying A House For Everyone, That Michigan Man Driving To Court Without A License, Why You Should STOP Using Your Debit Card, Buyer Denied Because She Was Black, and more! - S3 - #23In this episode Bryan & Sofia talk about last weekend, the Michigan man who drove himself into some trouble in court, is buying a house for everyone, why you should avoid using a debit card, buyer denied because she’s black, being a beach kid, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-06-1156 min

Let’s Talk BS with Bryan & SofiaLet’s Talk About The Cop Who Got Booty On Duty, Taxes And Your Mortgage, Scottie Scheffler, Memorial Day Fun, Convicted Felon Donald Trump, and more! - S3 - #22In this episode Bryan & Sofia talk about their Memorial Day activities, paying taxes when self-employed, Bryan’s unique buyer situation, Scottie Scheffler charges being dropped, a cop gets booty on duty, convicted felon Donald Trump, missing a flight over Starbucks, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-06-041h 01

Let’s Talk BS with Bryan & SofiaLet’s Talk A Huge Change To Credit Score Pulls and Debt Collection, NAR Settlement News, How Rates Are (Slightly) Changing, Scottie Scheffler Got Arrested, and more! - S3 - #21In this episode Bryan & Sofia home cooking and clean eating, how rates have slightly improved, dealing with the dentist and braces, a huge change to credit scores and debt collection, big NAR settlement news, why did Scottie Scheffler get arrested, wrapping up the Kendrick vs. Drake beef, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlant...2024-05-2157 min

Let’s Talk BS with Bryan & SofiaLet’s Talk How To Write A Resume That Works In 2024, What Should You Avoid Putting On Your Resume, How To Answer Tough Interview Questions, Working Remote, and more with Lakeesha Branch! - S3 - #20In this episode Bryan & Sofia talk with special guest and hiring specialist Lakeesha Branch all about her experiences working remote, resume writing tips and tricks, how to answer tricky interview questions, avoiding fraud, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-05-141h 02

Let’s Talk BS with Bryan & SofiaLet’s Talk Zillow’s New Touring Agreement, No More Rate Increases, Why You Should Always Have A Real Estate Agent When Homebuying, Kendrick vs. Drake, Bryan Goes Slidin’, and more! - S3 - #19In this episode Bryan & Sofia talk about Bryan’s sliding surprise, a new Zillow touring agreement, the Fed saying no more rate increases, the importance of having a real estate agent backing you up when buying a home, Kendrick vs. Drake gets crazier, and more! Watch Bryan Go Slidin’! Link: https://youtu.be/Ibmi-PMg4ac?si=w2Klv-CglhTdN9jd&t=480 Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect...2024-05-071h 09

Let’s Talk BS with Bryan & SofiaLet’s Talk The Tik-Tok Ban, No More Non-Compete Clauses, Capital Gains Tax Changes, Spark Funds, Airline Refunds, Reggie Bush Gets His Trophy Back, NFL Draft, Yarn Party, and more! - S3 - #18In this episode Bryan & Sofia talk about a yarn party, credit score pitfalls, Spark Funds, Capital Gains tax changes, the end of non-compete clauses, how airline refunds are changing, Reggie Bush getting his trophy returned, the NFL draft, is Tik-Tok getting banned, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-04-301h 00

Let’s Talk BS with Bryan & SofiaLet’s Talk The Top 5 Repairs You Can Do To Increase Your Home’s Value, Appraisal vs. Sales Price Surprises, Should You Background Check Renters, How Close Is A 2% Inflation Rate, and more! - S3 - #17In this episode Bryan & Sofia talk about when we might finally hit a 2% inflation rate, appraisal vs sales surprises, whether or not you should run background checks on your potential renters, Sofia’s list of the top 5 repairs you can do to increase the value of your home, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atla...2024-04-231h 09

Let’s Talk BS with Bryan & SofiaLet’s Talk What It Takes To Be An Entrepreneur, The Drip Athletic Club, Singing For A Date, Bowling, Athletics, and Sports Stories, Recapping The Eclipse, and more with Kayla Cason! - S3 - #16In this episode Bryan & Sofia talk with special guest and gym owner/personal trainer Kayla Cason about the eclipse, bowling, athletics, and sports stories, Kayla’s gym, being a business owner, singing, and more! Connect with Kayla Cason: Website: https://www.dripathletic.club/ Instagram: https://www.instagram.com/dripathletic.club/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroys...2024-04-161h 00

Let’s Talk BS with Bryan & SofiaLet’s Talk That Baltimore Bridge, Bryan’s Earthquake Story, Is It Cheaper To Rent Or Buy Your Home, Why Your Monthly Payment Might Change, HOA Issues, and more! - S3 - #15In this episode Bryan & Sofia talk about their Easter weekend adventures, the Baltimore bridge, the time Bryan felt an earthquake, should kids be banned from social media, monthly payment info, HOAs, renting vs buying , and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-04-101h 07

Let’s Talk BS with Bryan & SofiaLet’s Talk Business Credit Myths, How To Beat Bad Credit, What Does A Perfect Credit Profile Look Like, FICO Score vs Vantage Score, Credit Inquiries, and more with Stephen Blanchard! - S3 - #14In this episode Bryan & Sofia talk with special guest and credit expert Stephen Blanchard about business credit myths, best practices for better credit, what a “perfect credit profile” looks like, cash vs credit, FICO score vs Vantage score, credit inquiry info, Diddy do it, and more! Connect with Stephen Blanchard: YouTube: https://youtube.com/@stephenlblanchard?si=6yeBVH_0KT-vnxZA Instagram: https://www.instagram.com/stephenlblanchard/ Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letsta...2024-04-031h 16

Let’s Talk BS with Bryan & SofiaLet’s Talk No More Commissions On MLS, Capital Gains Tax, First Time Homebuyer Tax Credit, Do You Need College For A Career, and more! - S3 - #13In today’s episode Bryan & Sofia talk about some changes to the capital gains tax system, the new first time homebuyer tax credit plan, whether you really need a college degree in 2024, the big story around the NAR settlement causing commission changes for MLS, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-03-261h 05

Let’s Talk BS with Bryan & SofiaLet’s Talk Dual Entitlement Tips, The PPI Report & Inflation, Married At First Sight & Middle Names, The Kemba Smith Movie, and more! - S3 - #12In today’s episode Bryan & Sofia talk about the brand new PPI report, how veterans can use dual entitlement, the Married At First Sight tv show and middle name agreements, the Kemba Smith story, more Love Is Blind chat, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-03-1957 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Why You Need To Be Careful Cosigning On Anything, Getting A Loan As A Couple, Whales, Sharks, and Jellyfish, Love Is Blind Recap, and more! - S3 - #11In today’s episode Bryan & Sofia talk about why whales are washing up on the beach, Bryan vs a Jellyfish, Sofia vs Sharks, getting a loan with your spouse, why you need to be careful cosigning on anything, another Love Is Blind recap, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-03-131h 02

Let’s Talk BS with Bryan & SofiaLet’s Talk How Credit Scores Are Changing Forever, The CPE Fed Report, Sofia Visits The Mall, How Teen Bryan Snuck Into A Concert, What’s Happening On Love Is Blind, and more! - S3 - #10In today’s episode Bryan & Sofia talk about dancing for a client's Tik Tok, Sofia’s mall trip, how Bryan snuck into a concert as a teen, the new CPE Fed report, how credit scores are changing soon, overtime work, spilling the tea on Love Is Blind, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticba...2024-03-051h 14

Let’s Talk BS with Bryan & SofiaLet’s Talk Is It Better To Buy Your New House Or Build It, A $340 Million Mistake, National Margarita Day, The Fall Of NFTs, and more! - S3 - #09In today’s episode Bryan & Sofia talk about too much sugar, some National Margarita Day fun, whether it’s better to buy or build a new home, what happened to NFTs, a $340 million mistake, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-02-291h 03

Let’s Talk BS with Bryan & SofiaLet’s Talk Should Real Estate Agents Be Homeowners First, The CPI Report, Bryan At The Superbowl, Someone Swiped Sofia’s Offer Letter, and more! - S3 - #08In today’s episode Bryan & Sofia talk about Bryan’s time at the Superbowl, why Sofia’s feeling salty, the CPI report, the question of whether or not a real estate agent should be a homeowner themselves before trying to sell homes, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-02-261h 08

Let’s Talk BS with Bryan & SofiaLet’s Talk Pulling Your Credit Score, Your Tax Records And Home Buying, A Hidden $10,000 Surprise, Understanding Equity, and more! - S3 - #07In today’s episode Bryan & Sofia talk about credit score info, how your tax payment records factor into getting a home, what reserves are, equity, rating dinner date options, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-02-171h 01

Let’s Talk BS with Bryan & SofiaLet’s Talk If Rates Are Ever Going To Drop, Black History Month and the Super Soaker, Saying No To Snow, Nicki Minaj And Megan Thee Stallion Drama, and more! - S3 - #06In today’s episode Bryan & Sofia talk about rate expectations for 2024, Black History Month, thoughts on snow, celebrity drama, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-02-1357 min

Let’s Talk BS with Bryan & SofiaLet’s Talk Tax Changes In 2024, What Does A CPA Do, Tax Benefits And Write-Offs You Need To Know, Basketball, and more with Sherman Ledet! - S3 - #05In this episode Bryan & Sofia talk with special guest Sherman Ledet about all sorts of tax topics for 2024, what a CPA is and what they do, how things have changed for your tax filing in 2023 and 2024, and more! Connect with Bryan & Sofia: Connect with Sherman Ledet at Caldwell CPAs: https://www.caldwellcpas.com/ Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https...2024-02-0753 min

Let’s Talk BS with Bryan & SofiaLet’s Talk How To Restore Your Credit Score, Why Lenders Look At Your Payment History, Contractor Nightmares, A Crazy Criminal Landlord Story, and more! - S3 - #04In this episode Bryan & Sofia talk about a wild criminal landlord story, reviewing the brand new Netflix show “Fool Me Once”, Bryan’s nightmare contractor story, what you need to know about your credit score, payment history, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-01-311h 02

Let’s Talk BS with Bryan & SofiaLet’s Talk How Low Interest Rates Will Go In 2024, The Best Time to Buy, New CPI Report, Childhood Memories, Workout Woes, and more! - S3 - #03In this episode Bryan & Sofia talk skating and pizza, workout woes, insights from the new CPI report, interest rate trends, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-01-251h 08

Let’s Talk BS with Bryan & SofiaLet’s Talk What You Need To Know About Removing Your PMI and Refinancing, Fighting Fraud, Katt Williams Wildness, New Year’s Grits, and more!In this episode Bryan & Sofia talk redacted bank statements, foods for the new year, fraud issues, Katt Williams, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-01-171h 07

Let’s Talk BS with Bryan & SofiaLet’s Talk The New Year, Major Brokerage Lawsuits, A Market Update, Student Driver Stories, and more!In this first episode of 2024, Bryan & Sofia discuss 2024, a huge brokerage lawsuit, the current market, incentives to sell, teaching your kids how to drive, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ TikTok: https://www.tiktok.com/@letstalkbspc YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2024-01-111h 09

Let’s Talk BS with Bryan & SofiaLet’s Talk Mortgage Recasting, 2024 Rate Predictions, That Jonathan Majors Verdict, Was Wonka Good, Skating, and more!In this final episode of 2023, Bryan & Sofia discuss why you should look into mortgage recasting, what might happen to rates in a year like 2024, the Jonathan Majors verdict, what Bryan thought about the movie Wonka, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2023-12-311h 02

Let’s Talk BS with Bryan & SofiaLet’s Talk 2024 Rate Cuts & VHDA Limit Updates, Massive Banking Discrimination Scandal, Christmas Traditions, Is Santa Real, and more! - S2 - #25In this episode Bryan & Sofia discuss the latest on what to expect on rates in 2024, some great news for VHDA Limits, that big banking discrimination scandal, why Bryan believed Santa was real, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2023-12-281h 04

Let’s Talk BS with Bryan & SofiaLet’s Talk Pros & Cons Of Buying In The Current Market, How Interest Rates Are Tied To Your Credit Score, P Diddy Allegations, and more!In this episode Bryan & Sofia discuss the latest on how your credit score affects your rates, how the current market is changing, an update on the P Diddy Allegations, birthday and holiday plans, and more! Connect with Bryan & Sofia: Instagram @letstalkbspc: https://www.instagram.com/letstalkbspc/ YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2023-12-201h 01

Let’s Talk BS with Bryan & SofiaWhat Putting Down 20% Up Front Does For Your Mortgage, VHDA Updates, Tax Bracket News, Conforming Loan Limits, and more!In this episode Bryan & Sofia discuss the latest on conforming loan limits, an important VHDA update, tax bracket news for 2023, what you should know about mortgage insurance, and more! Connect with Bryan & Sofia: YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2023-12-1344 min

Let’s Talk BS with Bryan & SofiaIs Now The Right Time To Buy A Home, What’s Happening With Interest Rates, The Benefits You Need To Know As A First Time Home Buyer, and more!In this episode Bryan & Sofia discuss how the pandemic transformed our interest rate expectations, the path to buying your forever home, why rates will have to come down, how you can benefit now as a first-time home buyer, a recent commissions lawsuit settlement, surviving winter up north, college football, and more! Connect with Bryan & Sofia: YouTube: https://www.youtube.com/@letstalkbspodcast Connect with Bryan: https://www.atlanticbay.com/bryanroyster/ Connect with Sofia: https://www.atlanticbay.com/sofiakiflebaker/ 2023-11-221h 01

Let’s Talk BS with Bryan & SofiaARV and what it truly meansOn this episode Bryan & Sofia discuss who actually pays both listing and selling agent fee, what ARV stands for and how it is determined and how we handled the tropical storm.2023-10-131h 02

Let’s Talk BS with Bryan & SofiaReal Estate Agents being licensed as Loan OfficersOn this episode Bryan & Sofia discuss how to calculate self-employment income, real estate agents getting their mortgage loan officer license, and how to leverage your home equity.2023-09-251h 12

Let’s Talk BS with Bryan & SofiaDo I still buy a house now?On this episode Bryan & Sofia discuss what they have been up to over the month of August, is it still a good time to buy a home, and some fun they had to close out the summer.2023-09-121h 11

Let’s Talk BS with Bryan & SofiaReal Estate Market UpdateBryan & Sofia discuss what’s currently going on in the real estate market, what truly dictates mortgage interest rates, and their new studio setup.2023-07-241h 07

Let’s Talk BS with Bryan & SofiaHouse HackingOn this episode Bryan & Sofia discuss what an earnest money deposit is in a real estate transaction, different ways to house hack, and not to live life regretful. 2023-06-2751 min

Let’s Talk BS with Bryan & SofiaAppraisal ReconsiderationsOn this episode Bryan & Sofia discussed what happens if an appraisal doesn’t come in at the contracted price, are you able to select your own appraiser and the new movie Little Mermaid. 2023-06-0856 min

Let’s Talk BS with Bryan & SofiaHow the changing of interest rates affect your home loan pre-approvalOn this episode Bryan & Sofia discuss how your closing date dictates when your first mortgage payment will be due, how rates changing impact your pre-approval amount, and Bryan’s trip to Turks and Caicos. 2023-05-3155 min

Let’s Talk BS with Bryan & SofiaMortgage Company vs BankOn this episode Bryan & Sofia discuss the difference between getting a home loan from a mortgage company vs a bank, when is the best time to shop mortgage rates, and the spring buying market heating up.2023-05-2359 min

Let’s Talk BS with Bryan & SofiaThe difference between a loan officer and real estate agentBryan & Sofia Discuss the difference between a mortgage loan officer and real estate agent, how switching jobs during the home-buying process can impact you, and some spring events coming up.2023-05-081h 08

Let’s Talk BS with Bryan & SofiaConstruction to Perm LoansOn this episode Bryan & Sofia discuss when mortgage insurance is not required, the process of construction to permanent financing and our Easter and Spring Break plans.2023-04-191h 04

Let’s Talk BS with Bryan & SofiaHow are you vested?On this episode Bryan and Sofia discuss the different types of title vesting, if interest rates fluctuate for different loan products, and the importance of having a home warranty. 2023-04-111h 09

Let’s Talk BS with Bryan & SofiaOutcome of IncomeOn this episode, Bryan & Sofia discuss the various income types, the new mortgage insurance change on a particular loan type, and how interest rates responded to SVB banking issues, and Jerome Powell’s remarks.2023-03-271h 11

Let’s Talk BS with Bryan & SofiaInstant EquityOn today’s episode, Bryan and Sofia discuss the maximum number of units for residential home purchases, appraisal values, and solar panels. 2023-03-171h 08

Let’s Talk BS with Bryan & SofiaOne MicOn this episode, Bryan & Sofia discuss women's history, the different types of derogatory credit like bankruptcy, foreclosure, short sale etc, and how old you need to be to purchase a home.2023-03-091h 16

Let’s Talk BS with Bryan & SofiaMargarita Meet-upOn today’s episode, Bryan and Sofia discuss who guarantees an FHA loan, all of the recent changes to FHA and VA fees, and how networking is key to building relationships. 2023-03-021h 14

Let’s Talk BS with Bryan & SofiaTax SZNIn this episode, Bryan & Sofia discuss purchasing a home right out of college, all things tax, and the importance of visiting a chiropractor. 2023-02-221h 10

Let’s Talk BS with Bryan & SofiaUSDA LoansOn this episode, Bryan & Sofia discuss the ins and outs of the USDA loan, how to leverage retirement funds when purchasing a home, and being a special guest on another podcast. 2023-02-151h 09

Let’s Talk BS with Bryan & SofiaRenovation PreparationOn this episode, Bryan & Sofia discuss the different types of renovation loans, the timeframe for a flip with FHA financing, and how the market has been responding a month into the year. 2023-02-061h 05

Let’s Talk BS with Bryan & SofiaWhat’s the Damage?On this episode, Bryan & Sofia discuss the difference between a bank statement and a transaction history, the cost of purchasing a home as a first-time homebuyer, and the busy start to the year. 2023-01-301h 08

Let’s Talk BS with Bryan & SofiaKeep the ChangeOn this episode, Bryan & Sofia discuss what you can do with the extra amount you are pre-approved for that you don’t use. What the loan process looks like after you get under contract and the eventful week that was. 2023-01-161h 15

Let’s Talk BS with Bryan & SofiaNew Year Brings New BeginningsOn this Episode, Bryan & Sofia discuss how condo fees affect your monthly payment and/or debt-to-income ratio. The highs and lows of being a landlord and your goal/resolution for 2023. 2023-01-1059 min

Let’s Talk BS with Bryan & Sofia2022 RecapOn this episode, Bryan & Sofia discuss all of the topics from this past year, their Christmas holiday, and their goals for the upcoming year. 2022-12-311h 15

Let’s Talk BS with Bryan & SofiaA New Lease On LifeOn this Episode, Bryan & Sofia discuss maximizing your VA home loan benefit. They also discuss how to you utilize rental income when purchasing a home and the CPI and Fed updates. Stay tuned! 2022-12-221h 10

Let’s Talk BS with Bryan & SofiaAt All CostsOn this episode Bryan and Sofia discuss the typical mortgage-related costs when purchasing a home, the different roles others play in the home-buying process and Britney Griner being released back to the U.S.2022-12-141h 05

Let’s Talk BS with Bryan & SofiaThe Fix Is InOn this week's episode, Bryan & Sofia discuss their Thanksgiving holiday, what fixed, adjustable, and variable mean when it comes to your interest rate, and lastly the difference between interest rate and APR. 2022-12-051h 05

Let’s Talk BS with Bryan & SofiaHaving Second ThoughtsOn this episode, Bryan and Sofia discuss how to leverage a second home purchase, the difference between a loan and line of credit and their upcoming Thanksgiving festivities.2022-11-211h 20

Let’s Talk BS with Bryan & SofiaGo Hard….. To go home 🏡Bryan and Sofia discuss the difference between a hard and soft credit inquiry, how some buyers can leverage loan assumptions in this high-rate market environment, and the magic juice that can get a parent through Halloween trick or treating. 2022-11-091h 09

Let’s Talk BS with Bryan & SofiaWing KingOn this week's episode, Bryan and Sofia have their first guest Cavelle Mollineaux Owner Broker of Onyx Realty Professionals. They discuss the importance of a buyer-broker agreement, how long it takes for your credit report to expire when applying for a home loan, and some current hot topics. 2022-11-021h 29

Let’s Talk BS with Bryan & SofiaFaith over FearIn this week's episode, Bryan and Sofia discuss when is a good time to start the home-buying process, how to evaluate if it’s a good time to refinance, and having faith in your decision-making.2022-10-251h 24

Let’s Talk BS with Bryan & SofiaGo Ninja Go Ninja Go!On this episode, Bryan and Sofia discuss their experiences going through Ninja Selling, the different elements of your credit, and how important your decision-making is.2022-10-171h 08

Let’s Talk BS with Bryan & SofiaVA’s🏡 & J’sBryan and Sofia discuss the opportunities to utilize your VA home loan. The dynamic between the Millennial and Gen Z purchase of the popular Jordan shoes and how to save money on Halloween decorations. 2022-10-131h 08

Let’s Talk BS with Bryan & SofiaTake 50 🎬🎬This week Bryan and Sofia discuss the current rate increases and what that means for your new home purchase, current upcoming events, and the difference between an appraisal and a home inspection. 2022-09-301h 03

Let’s Talk BS with Bryan & SofiaPoP... LoCk... oR DrOp iTThis week, Bryan and Sofia discuss this past week's increase in interest rates, what it means to lock your interest rate, and current personal projects going on while juggling this current market. 2022-09-241h 10

Let’s Talk BS with Bryan & SofiaThe Biggest LoserBryan and Sofia discuss the ups and downs of home renovations, Bryan's BIG LOSS, and the breakdown of a monthly mortgage payment. 2022-09-161h 03

Let’s Talk BS with Bryan & SofiaWho ”Back’s” that thang up?Bryan and Sofia discuss the recent second annual back-pack giveaway, the start of the upcoming school year, and the difference between mortgage insurance and homeowner's insurance. 2022-09-0144 min

Let’s Talk BS with Bryan & SofiaJewels 💎 & Gifts 🎁In this week's episode Bryan and Sofia discuss juror duty, how a home buyer can be gifted equity, Bryan’s new investment property, and Sofia’s eventful weekend ahead. 2022-08-2539 min

Let’s Talk BS with Bryan & Sofia“Do you know the difference?”Bryan and Sofia discuss the past week's work events, the difference between closing costs and down payments, and a recap of what’s coming next. 2022-08-1841 min

Let’s Talk BS with Bryan & SofiaCoffee vs CaffeineBryan and Sofia talk about the real reason people drink coffee, Dorian Finey-Smith Black tie Gala, Sofia’s birthday weekend and the Britney Griner Trial. 2022-08-1151 min

Let’s Talk BS with Bryan & SofiaThe Recession 2022Bryan and Sofia discuss his trip to Chicago, meeting Eric Thomas, Sofia’s birthday weekend, and the looming recession. 2022-08-0432 min

Let’s Talk BS with Bryan & SofiaIntro - Welcome to the 757Bryan and Sofia are here to discuss some of the hot topics that are prevalent in today's culture. Anywhere from navigating entrepreneurship to everyday life in the current society. The conversations will be vast and informative that should help shift one's mindset about the philosophy to truly conquer whatever your dreams have set you out to do. 2022-07-2831 min