Shows
Straight talk with Rick and Meghan🏡 STOP! Are You TRULY Pre-Approved?🏡 STOP! Are You TRULY Pre-Approved? This week on the podcast, we're pulling back the curtain on the most confusing part of buying a house: the mortgage pre-approval. 😫 A computer approval (AUS) is NOT the same as an Underwriter's approval, and that little detail can crush your dreams at closing! Rick and I discuss why accurate income data and PROPER financial planning before house hunting are non-negotiable. Don't wait until the last minute—listen now to ensure you're working with a pro who knows the difference! 👇 Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meg...
2025-12-1908 min
Straight talk with Rick and MeghanWant to pay LESS tax on your rental properties? 🚨Full video on my YouTube! https://youtu.be/CTzChknzjJ4 Want to pay LESS tax on your rental properties? 🚨 The rules on depreciation, write-offs, and avoiding capital gains are confusing—but they can save (or cost!) you thousands. We just put a tax expert in the hot seat to answer the toughest questions. Here are the 3 must-know topics we covered: DEPRECIATION: How long should you hold a property to maximize your write-offs, and what is the recapture cost? THE EXPENSE SECRET: We break down the difference between a repai...
2025-12-1336 min
Straight talk with Rick and Meghan28 Years. Thousands of Inspections. He knows the secrets.Straight Talk with Rick and Meghan... And Shiloh! 28 Years. Thousands of Inspections. He knows the secrets. New Episode ALERT! We talked to Shiloh Cox of FYI Inspections about the biggest myth in home buying: that the inspection is scary. Shiloh says deal-breaking issues are RARE! Instead, the inspection is your chance to: Learn critical maintenance tips. Check the lifespan of your roof and HVAC. Ensure safety (like checking for GFCI outlets!). Buyers: You must attend your inspection! It's an education. Sellers: A pre-listing inspection can eliminate surprises Need an Expert? Contact Shiloh Cox and the team at FYI Inspections for...
2025-12-0627 min
Straight talk with Rick and MeghanThe "Winter Lock-In" isn't a bad thing. It's an opportunity! 🏡💰The "Winter Lock-In" isn't a bad thing. It's an opportunity! 🏡💰 Our new podcast episode reveals why the winter real estate market is different—and how smart buyers and sellers can use it to their advantage! ❄️ Buyers: Less competition means more leverage for YOU. Learn to negotiate better deals & score concessions! 📈 Sellers: Uncover what truly motivated buyers are looking for during the holidays AND get your ultimate spring prep checklist. Stop waiting for spring! Your next move could be now. Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #me...
2025-11-2208 min
Straight talk with Rick and MeghanA 50-year mortgage… is this really happening?! 👀This week, Rick and I break down the newly proposed 50-year loan program that's gaining support from Freddie, Fannie, and other secondary market investors. Rick explains how this option could help buyers by lowering monthly payments, especially for people who don't plan to stay in their homes for the full 50 years but want short-term affordability. But — as always — there's a flip side. 🌀 While the 50-year mortgage might benefit some buyers, it also means paying more interest over time, and it's definitely not the right fit for everyone. I also share my concerns about w...
2025-11-1509 min
Straight talk with Rick and MeghanSeller Negotiation Strategies!🎙️ Straight Talk with Rick and Meghan presents... Seller Negotiation Strategies! STOP! Don't just take the highest offer. On this week's podcast, we dive into the ultimate seller playbook for negotiation. Most sellers think the highest price wins, but that's a rookie mistake. In this episode, you will learn: The "Multiple Offer Scorecard": How to weigh financing, closing timelines, and contingencies against the raw price. The 3 Riskiest Contingencies (Home Sale is a deal killer!) and how to counter them. tune in before you put your home on the market—this ep...
2025-11-0716 min
Straight talk with Rick and MeghanReady to buy a house, but worried about your rate? 📉Ready to buy a house, but worried about your rate? 📉 Your credit score is the #1 factor dictating how much you'll pay over the next 30 years. On this week's episode, we're doing a Credit Score Deep Dive with a top mortgage lender! We cover the simple mistakes buyers make before they even apply (like opening a new credit card!) and share the full pre-approval checklist. 💡 Listen Now: Learn the magic number you need to hit to save $10,000s on your mortgage. Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #straig...
2025-10-3106 min
Straight talk with Rick and MeghanFHA Loans -- What's the difference?FHA loans — you've probably heard of them, but do you really know what makes them different from conventional mortgages? 🤔 In this week's episode, Rick breaks down everything you need to know about FHA loans — from their history and requirements to the biggest misconceptions out there. We talk about why these loans are often a great option for buyers with lower credit scores or smaller down payments, and how they can actually offer better rates and more flexible terms than you might expect! Whether you're a first-time buyer, a realtor helping clients, or just curious about your fi...
2025-10-1911 min
Straight talk with Rick and MeghanThe future of housing is being built by Millennials and Gen Z! 🚀The future of housing is being built by Millennials and Gen Z! 🚀 On today's episode, we explore how these two powerful generations are not just buying homes, but redefining what homeownership even means. From prioritizing sustainability and smart tech to embracing co-buying and non-traditional markets, their influence is undeniable. What are their motivations? What are their financial hacks? And how are they navigating a market that feels stacked against them? Get ready for an insightful listen! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #housingmarket #realtor #realestate #homebuying #homeselling #anaheim #mortgage
2025-09-2712 min
Straight talk with Rick and MeghanThe "Rates vs. Prices" DebateThinking about waiting for mortgage rates to drop more? You could be making a costly mistake. 📉 A small drop in rates might not save you as much as a rise in home prices could cost you. For example, a 5% annual increase on a $600,000 home is an extra $30,000—which costs you more than a small rate improvement would save. Don't get caught in the waiting game. The best time to buy is when you find the right home at a payment you can afford today. Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #realestate #realtor #mortgage
2025-09-2010 min
Straight talk with Rick and MeghanThe Top 5 Mistakes to AVOID When Hiring a Buyer's Agent!Welcome back to 'Straight Talk with Rick and Meghan!' We're talking about the biggest financial decision of your life: buying a home. And the first step is choosing the right partner to guide you through it. This isn't about personality—it's about performance. Here's what we'll cover: 1. Not Checking an Agent's Track Record and Reviews Everyone checks reviews for a new restaurant or a contractor, but many people don't do the same for their real estate agent. This is a huge mistake. Reviews and track records are a window into an agent's re...
2025-09-1311 min
Straight talk with Rick and MeghanWill the Fed CUT Rates? What a Potential Rate Cut Means for Your Mortgage!Everyone's talking about a possible Fed rate cut, but what does it really mean for the housing market and your mortgage? On this week's episode of "Straight Talk with Rick and Meghan," we dive deep into the impending possibility of a rate cut. We'll break down the factors influencing the Federal Reserve's decision and discuss how it could affect housing, from mortgage rates to buyer demand. Rick and I will answer the most pressing question: has the market already started reacting? We'll explain the connection between the federal funds rate, bond yields, and mortgage rates, and give yo...
2025-09-1209 min
Straight talk with Rick and MeghanThe Top 5 Things to AVOID When Hiring a Listing AgentAre you a home seller about to interview a listing agent? Don't make a costly mistake! In this episode, Rick and I tackle the top 5 red flags you should watch out for when choosing a Realtor to sell your home. We're cutting through the noise to deliver the brutal truth. This isn't about personality—it's about performance. We'll reveal why you should never hire an agent based on what they charge and why communication skills are a non-negotiable. We'll also expose the risks of working with a part-time agent who is out of touch with today's fast-paced ma...
2025-09-0617 min
Straight talk with Rick and Meghan🤯 Winning Bidding Wars: The TRUTH About Escalation Clauses! 🏡📈🤯 Winning Bidding Wars: The TRUTH About Escalation Clauses! 🏡📈 Are you a homebuyer navigating a competitive market? You've heard about escalation clauses, but do you really know how they work – and if they're right for your offer? 🤔 This week on "Straight Talk with Rick and Meghan," we're breaking down everything you need to know about this powerful, yet often misunderstood, bidding strategy! We'll cover: What IS an Escalation Clause? (And how it works in practice!) The PROS: How it can help you win in a multiple-offer situation and potentially save you money. 💰 The...
2025-08-0911 min
Straight talk with Rick and Meghan🤯 Beyond Traditional Mortgages: Unlocking Unique Loan Solutions! 🏡💰🤯 Beyond Traditional Mortgages: Unlocking Unique Loan Solutions! 🏡💰 Tired of hearing 'no' from big banks? 😩 This week on "Straight Talk with Rick and Meghan," we're diving deep into a world of mortgage options you might not even know exist! Rick Dennis from Rate.com pulls back the curtain on exclusive portfolio loan products designed for unique financial situations. Discover how you can buy a home even if: You're Self-Employed: Learn about Profit & Loss (P&L) Statement Loans (using current income, not old tax returns!) and Bank Statement Loans (qualify using your business deposits!). 📈 You're an...
2025-07-3010 min
Straight talk with Rick and Meghan🏡💰 The Big Beautiful Tax Bill: How the IRA Impacts Your Home & Investments! ⚡🏡💰 The Big Beautiful Tax Bill: How the IRA Impacts Your Home & Investments! ⚡ This week on "Straight Talk with Rick and Meghan," we're breaking down the game-changing Inflation Reduction Act (IRA) – also called the "Big Beautiful Tax Bill"! 📜 Tune in as we reveal how this monumental legislation directly affects local homeowners and savvy investors in the real estate market. Discover: • Mortgage Interest Deduction Lives On Homeowners can still deduct mortgage interest on loans up to $750,000 — a key tax-saving and homeownership incentive. • Mortgage Insurance Deductions Are BACK Permanently reinstated for households earning under $100K...
2025-07-1814 min
Straight talk with Rick and MeghanNavigating the Shift: Top 3 Tips for Buyers & Sellers in a Changing Market!In case you missed last week's episode... Navigating the Shift: Top 3 Tips for Buyers & Sellers in a Changing Market! This week on "Straight Talk with Rick and Meghan," your hosts dive into the heart of today's evolving real estate landscape. Whether you're looking to buy your first home or sell your current property, the market is constantly shifting. Rick and I share our top three essential pieces of advice for both buyers and sellers to help you make smart, confident decisions. Don't miss these crucial insights to stay ahead in a...
2025-07-1713 min
Straight talk with Rick and MeghanThe transition from a seller's market to a buyer's market!This week on the podcast, Rick and I dive deep into the shifting real estate market. We break down the transition from a seller's to a buyer's market, examining how interest rates, inventory levels, and crucial negotiation strategies are impacting real estate professionals. Tune in for essential insights on property assessment and upcoming economic indicators that will shape the future of real estate. Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #meghanshomes #realtors #realestate #anaheim #downtownanaheim #lender
2025-07-0321 min
Straight talk with Rick and MeghanHome Pricing Strategies in this Market!Thinking of selling your home, but wondering about pricing strategies? 🤔 This week on 'Straight Talk with Rick and Meghan,' we tackle a critical question: How do you know when it's time to reduce the price of your home? I share a personal story and practical insights into this tricky decision. We'll explore key indicators like: Exposure: How has your home been marketed and seen by potential buyers? First Week Performance: What did the initial days on market tell us? Showings & Traffic: How many people actually came through the door? Realtor Feedback: Wha...
2025-06-2021 min
Straight talk with Rick and MeghanAre open houses still relevant in today's digital real estate world?Are open houses still relevant in today's digital real estate world? 🤔 This week on 'Straight Talk with Rick and Meghan,' we dive into the evolving role of open houses. From traditional advertising to virtual tours, we explore how online property research has transformed attendance and the effectiveness of open houses as a strategic sales tool. Rick and I emphasize the power of smart pricing and modern marketing techniques in today's market. Plus, we offer crucial advice for potential buyers navigating current mortgage rates, suggesting it's time to focus on affordable homes rather than waiting for...
2025-06-1322 min
Straight talk with Rick and MeghanHome buying/selling preparation strategies!Welcome to 'Straight Talk with Rick and Meghan,' your essential guide to a successful real estate journey in Orange County! With a combined 50+ years of active experience, Rick and I dive deep into real estate preparation strategies for both buyers and sellers. We reveal how being proactive saves you time, money, and stress, covering everything from getting your home ready for sale months in advance to understanding crucial title reports and navigating complex disclosures. Learn why choosing a knowledgeable, full-time Realtor who trusts the process is paramount to avoiding pitfalls and ensuring a...
2025-05-3014 min
Straight talk with Rick and MeghanWhy being prepared to buy a home is so important!In case you missed last week's episode! Get the latest real estate insights from Rick and I on "Straight Talk with Rick and Meghan." This week, we combine practical advice with market analysis. I illustrate the crucial role of being prepared with a client story, while Rick shares his professional update, joining Rate.com and its client-centric approach. We also provide our expert perspective on the current market, explaining recent fluctuations. A must-listen for anyone buying or selling! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo...
2025-05-2011 min
Straight talk with Rick and MeghanIs the Orange County real estate market shifting? 🤔Is the Orange County real estate market shifting? 🤔 Increased Inventory: Active listings in Orange County have risen by 31% in the past two months. Decreased Demand: Demand is down 9% year-over-year, mainly due to affordability issues and high mortgage rates. Slower Market Time: The Expected Market Time has increased to 81 days, the slowest pace since the 2020 pandemic lockdown. Join Rick and I on 'Straight Talk' as we discuss the increasing housing inventory and why a more balanced market could be great news for buyers! We also emphasize the crucial role of a full-time Rea...
2025-05-0211 min
Straight talk with Rick and MeghanBreaking down home maintenance costs!This week, 'Straight Talk with Rick and Meghan' empowers you with the knowledge to make smart homeownership decisions! We're getting down to the nitty-gritty of home maintenance costs. Rick and I provide clear explanations and real-world examples to help you understand and budget for everything from everyday upkeep to major replacements. Get the 'Straight Talk' you need to protect your investment and maintain your home's value. Available on YouTube, Spotify, and iTunes. Please share this essential information! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #meghanshomes #straighttalkwithrickandmeghan #podcaster...
2025-04-1915 min
Straight talk with Rick and MeghanHow will tariffs affect the Orange County real estate market?This week on 'Straight Talk with Rick and Meghan,' we're tackling a hot topic: How will tariffs affect the Orange County real estate market? 🏠💰 Join Rick and I as we break down the potential impact on building, remodeling, and home values. Stay informed and navigate these uncertain times with expert advice. Tune in now! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #straighttalkwithrickandmeghan #remodel #homebuyingprocess #realtor #realestate #tarrifs #anaheim #downtownanaheim
2025-04-1109 min
Straight talk with Rick and MeghanHow to successfully prepare for the spring housing market!This week on 'Straight Talk with Rick and Meghan,' we're diving into the current state of the real estate market! We break down what's happening in the real estate market both on a larger scale and in our own backyard here in Orange County. Are prices going up or going down? How can you prepare successfully for the spring market? How should you price your home? How should you price your offer? We'll explore the surprising persistence of cash transactions (did you know 31% of sales are still cash?), and what that means for buyers.
2025-04-0413 min
Straight talk with Rick and MeghanBreaking down your down payment!This week on 'Straight Talk with Rick and Meghan,' we dive deep into the financial implications of different down payment options for an $850,000 home purchase. We break down the real numbers for 5%, 10%, and 20% down payments, revealing the trade-offs between monthly mortgage costs and upfront savings. Rick and I discuss the practicalities of saving versus paying a slightly higher monthly payment, and how home appreciation can impact your decision. We also demystify Private Mortgage Insurance (PMI), explaining its relatively small cost and how to get rid of it. If you're wondering...
2025-03-2908 min
Straight talk with Rick and MeghanConfused about pre-quals, pre-approvals, and first-time buyer programs? 🤔Confused about pre-quals, pre-approvals, and first-time buyer programs? 🤔 Rick breaks it down! Get the inside scoop on securing the best mortgage rate on this week's Straight Talk with Rick and Meghan. Tune in now! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #meghanshomes #realtor #realestate #anaheim #downtownanaheim #firsttimehomebuyer #homebuying #housingmarket
2025-03-2112 min
Straight talk with Rick and MeghanHiring a Rockstar: The Ultimate Guide to Interviewing Listing AgentsHiring a Rockstar: The Ultimate Guide to Interviewing Listing Agents Ready to sell your home but overwhelmed by the thought of choosing the right agent? This week on Straight Talk with Rick and Meghan, we're empowering YOU to take control of the process! We're flipping the script and putting YOU in the interviewer's seat! Rick and I, with our combined 50+ years of experience, will guide you through the essential questions to ask potential listing agents before you make that crucial hiring decision. Tune in to discover: Beyond the Basics: Go beyond the surface and uncover the questions that reveal an...
2025-03-2022 min
Straight talk with Rick and Meghan📢 Credit Chaos: Protect Yourself from Mortgage Predators! ⚠️Ever wonder why your phone explodes with calls after applying for a mortgage? 📞 This week on Straight Talk with Rick and Meghan, we're exposing the dark side of credit inquiries and how to protect yourself! With over 50 years of combined experience, Rick and I reveal: The Hidden Data Market: Discover how credit companies sell your information to third parties, leading to a barrage of unwanted solicitations. Mortgage Predators: Learn how to identify and avoid these aggressive salespeople who often lack transparency and may not have your best interests at heart. Protecting Your Privacy: We'l...
2025-03-1912 min
Straight talk with Rick and Meghan🏡 Negotiation Ninja: Master the Art of the Deal in Today's Market! ⚔️🏡 Negotiation Ninja: Master the Art of the Deal in Today's Market! ⚔️ Want to come out on top in your next real estate negotiation? 🤔 This week on Straight Talk with Rick and Meghan, we're equipping you with the skills and strategies to win the deal, even in a changing market! With over 50 years of combined experience, Rick and I share our expert insights: Understanding Leverage: Discover how to identify and utilize your leverage as a buyer or seller in today's market. Effective Communication: Master the art of communication and negotiation, including active listening, building r...
2025-03-1317 min
Straight talk with Rick and MeghanStaging Secrets: Sell Your Home Faster & For Top Dollar!Staging Secrets: Sell Your Home Faster & For Top Dollar! Want to make your Orange County home irresistible to buyers? This week on Straight Talk with Rick and Meghan, we're revealing the secrets of effective home staging! With over 50 years of combined experience, Rick and I break down the essentials: What is Home Staging? We'll explain the process and its impact on buyers. Why Stage? Discover how staging can lead to a faster sale and higher offers. Cost of Staging: We'll discuss the various factors that influence cost and provide typical price ranges. DIY vs. Professional: Learn about the pros and...
2025-02-2216 min
Straight talk with Rick and Meghan🏡 ADU Revolution: Unlocking the Potential of Your Property! 🏡 ADU Revolution: Unlocking the Potential of Your Property! Want to add extra living space, generate rental income, or house a loved one? This week on Straight Talk with Rick and Meghan, we're exploring the exciting world of ADUs (Accessory Dwelling Units)! With over 50 years of combined expertise, Rick and I break down the essentials: California ADU Laws: We'll cover the latest updates, including: Increased density: More ADUs allowed on multi-family properties! Streamlined approvals: Faster and easier permitting process. Permanent rentals: No more owner-occupancy requirements! ADU condo conversions: New opportunities for ownership and investment. Financing Options: Explore various ways to fund y...
2025-02-1513 min
Straight talk with Rick and Meghan🏡 Unlock Your Home's Hidden Cash: Home Equity Loans & HELOCs Explained! 💰Need cash for home improvements, investments, or debt consolidation? 🤔 This week on Straight Talk with Rick and Meghan, we're unlocking the power of home equity! With over 50 years of combined expertise, Rick and I break down the essentials: Home Equity Loans: Get a lump sum of cash at a fixed interest rate. HELOCs (Home Equity Lines of Credit): Access a revolving line of credit with variable rates. Which is right for YOU? We'll help you decide based on your needs and goals. Smart uses for your equity: Renovate your kitchen, invest in...
2025-02-0711 min
Straight talk with Rick and Meghan🏡 iBuyers vs. Traditional Sales: Which is Right for YOU? 🏡Thinking of selling your Orange County home, but overwhelmed by the options? 🤔 This week on Straight Talk with Rick and Meghan, we're diving into the world of iBuyers! With over 50 years of combined expertise, Rick and I break down the pros and cons: iBuyers: Pros: Convenience, quick closing, no showings. Cons: Lower offers, higher fees, less personal attention. Traditional Sales (with a Realtor): Pros: Potential for higher profit, expert guidance, personalized service. Cons: Longer process, showings, potential for negotiations....can be mitigated Rick and I will discuss:
2025-01-3114 min
Straight talk with Rick and Meghan🏡 2025 Real Estate: A Slower Start? What Buyers & Sellers Need to Know! 🏡🏡 2025 Real Estate: A Slower Start? What Buyers & Sellers Need to Know! 🏡 Is the Orange County housing market cooling down? 🤔 This week on Straight Talk with Rick and Meghan, we're analyzing the slower start to 2025! With over 50 years of combined expertise, Rick and I break down the latest trends: Increased inventory: More homes are hitting the market, giving buyers more choices. Longer days on market: Homes are taking longer to sell, shifting the balance of power. Buyer hesitation: Many buyers are waiting for interest rates to drop. Motivated sellers: Sellers are becoming...
2025-01-2510 min
Straight talk with Rick and Meghan🏡 Buying a Home? Don't Forget THESE Expenses! 💰 🏡 Buying a Home? Don't Forget THESE Expenses! 💰 Thinking of buying a home in Orange County, but not sure about ALL the costs involved? 🤔 This week on Straight Talk with Rick and Meghan, we're breaking down the expenses you need to know about BEFORE you make an offer! With over 50 years of combined expertise, Rick and I go beyond the mortgage payment, discussing: Closing costs: What are they, and how much can you expect to pay? Property taxes: How do they work, and how can you estimate them? Homeowners insurance: What factors affect yo...
2025-01-1918 min
Straight talk with Rick and Meghan🏡 First-Time Homebuyer? 2025 is YOUR Year! Grants, Loans & More! 💰🏡 First-Time Homebuyer? 2025 is YOUR Year! Grants, Loans & More! 💰 Thinking of buying your first home in Orange County? 🤔 This week on Straight Talk with Rick and Meghan, we're diving deep into the world of first-time homebuyer programs! With over 50 years of combined experience, Rick and I break down the essentials: Loan options: Explore FHA, VA, and conventional loans designed for first-time buyers. Down payment assistance: Discover grants and programs that can help you with that crucial down payment. Incentives and tax breaks: Uncover hidden savings and tax benefits for first-time homeowners. Common pitfalls...
2025-01-1109 min
Straight talk with Rick and MeghanUnlocking the Secrets of DSCR Loans in Orange County Real Estate 🏡Ever heard of a DSCR loan? 🤔 This week on Straight Talk with Rick and Meghan, we're diving deep into this unique financing option that's shaking up the Orange County real estate market. What is a DSCR loan? DSCR stands for Debt Service Coverage Ratio. It's a type of loan where lenders focus on the potential rental income of a property, rather than your personal income, to determine your eligibility. This opens doors for investors and those with unconventional income streams to secure financing. Tune in as Rick and I discuss: The ins and outs of DSCR loans and how the...
2024-12-2009 min
Straight talk with Rick and Meghan💰 Decoding the Mystery of Real Estate Appraisals 🏠💰 Decoding the Mystery of Real Estate Appraisals 🏠 Ever wondered how that magic number gets attached to a house? 🤔 This week on Straight Talk with Rick and Meghan, we're pulling back the curtain on real estate appraisals! With over 50 years of combined experience, Rick and I break down everything you need to know: What IS an appraisal? Hint: It's more than just a guesstimate! We'll explain why it's crucial in the home buying/selling process. Who orders it and WHY? Is it the buyer, the seller, the lender? We'll uncover t...
2024-12-1410 min
Straight talk with Rick and Meghan☀️ Going Solar in SoCal? Smart Questions to Ask Before You Buy! ☀️☀️ Going Solar in SoCal? Smart Questions to Ask Before You Buy! ☀️ This week on Straight Talk with Rick and Meghan, we're shining a light on a hot topic: buying a home with solar panels in sunny Orange County! While solar offers amazing benefits (lower energy bills, eco-friendliness), it also comes with important considerations. With over 50 years of combined real estate and mortgage expertise, Rick and I break down the essential questions to ask BEFORE you make an offer: Who owns the panels? Leased? Financed? Owned outright? Each scenario has different implications for your purchase. What's the system's age and conditio...
2024-12-0610 min
Straight talk with Rick and MeghanHow does a real estate transaction effect the economy?This week's episode of #straighttalkwithrickandmeghan , how does a real estate transaction effect the economy? Real estate sales have a significant impact on the economy, both directly and indirectly. Here's a breakdown of how: Direct Impacts Job Creation: Each home sale generates jobs, not just for real estate agents and brokers, but also for mortgage lenders, appraisers, inspectors, title companies, lawyers, and moving companies. Construction workers, landscapers, and home improvement businesses also benefit. GDP Growth: The real estate industry contributes a substantial portion to the Gross Domestic Product (GDP). This includes residential and commercial real e...
2024-11-1506 min
Straight talk with Rick and MeghanJobs Report, Fed Meeting, and YOUR Real Estate Dreams!Tune in to Straight Talk with Rick and Meghan! Your weekly dose of no-nonsense real estate advice for Orange County, California. 🏡 Rick and I bring a combined 50+ years of experience to the table, offering insightful commentary and opinions on the hottest topics affecting YOU. 🎤 This week: Jobs Report, Fed Meeting, and YOUR Real Estate Dreams! We break down how the latest economic news impacts interest rates and the ripple effect of homeownership on job creation. 📈 Find us on YouTube, Spotify, and iTunes! 🎧 @ Straight Talk with Rick and Meghan! Meghan Shigo, Realtor
2024-11-0911 min
Straight talk with Rick and MeghanDiscover the ins and outs of 2/1 buydowns!Tired of the same old real estate talk? Tune into Straight Talk with Rick and Meghan, the Orange County real estate podcast that cuts through the fluff and gets right to the point! 👩💼👨💼 With over 50 years of combined experience, Rick and I offer our unfiltered commentary and expert opinions on the hottest topics in the OC market. 🏠💡 This week: Rick and I explore creative solutions to make homes more affordable in today's market. Discover the ins and outs of 2/1 buydowns – what they are, how much they cost, and how they can significantly impact a buyer's monthly payment. 🏠💸
2024-11-0209 min
Straight talk with Rick and MeghanEQ and Your Real Estate TransactionNeed expert advice to navigate the Orange County real estate market? Join Rick and I, your trusted guides with over 50 years of combined experience in real estate and mortgages. Each week, we deliver insightful commentary and no-nonsense opinions on hot topics to empower YOU in your real estate journey. 🏠♥️ This week's episode: "EQ and Your Real Estate Transaction" Discover the power of Emotional Intelligence (EQ) in real estate! Rick and I delve into how working with an emotionally intelligent leader can make all the difference in your next transaction. Learn how EQ can help yo...
2024-10-2508 min
Straight talk with Rick and MeghanFall is in the air and the market is changing! 🍂Fall is in the air and the market is changing! 🍂 Tune in to Straight Talk with Rick and Meghan this week as we break down the latest shifts in the Orange County real estate market. With over 50 years of combined experience, Rick and I offer our expert insights and opinions on the significant increase in inventory and what it means for buyers and sellers. Overpriced homes won't stand a chance in this cooling market! Learn why it's crucial to hire an experienced realtor to advise you on the right pricing strategy. ➡️ Find us on YouT...
2024-10-1813 min
Straight talk with Rick and MeghanDisaster Preparedness for OC HomeownersWelcome back to #straighttalkwithrickandmeghan ! This Week's Episode: Disaster Preparedness for OC Homeowners Southern California living comes with unique challenges, including the risk of natural disasters. This week, Rick and I discuss essential steps to prepare your home and family for emergencies. Learn what to include in your emergency kit.. Tune in on Apple Podcasts, Spotify, or your favorite podcast app! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803
2024-10-1112 min
Straight talk with Rick and MeghanThe recent conforming loan limit increase and how it could impact your interest rate! Tune in to "Straight Talk with Rick and Meghan" for your weekly dose of no-nonsense real estate advice straight from the trenches of Orange County! Rick and I bring a combined 50+ years of experience to the table, serving up our unfiltered opinions and insights on topics that matter most to YOU. This week, we're breaking down the recent conforming loan limit increase and how it could impact your interest rate. Plus, get an exclusive virtual tour of my stunning new listing in Anaheim Hills – you won't want to miss it! Subscribe and share with anyone looking to make their next real...
2024-09-2706 min
Straight talk with Rick and MeghanThe impact of the new buyer broker agreement to strategies for combating offer writing fatigue!This week, Rick and I dive deep into the world of real estate, covering everything from the impact of the new buyer broker agreement to strategies for combating offer writing fatigue. We'll share insider tips on when and how to write a winning offer, plus provide a much-needed dose of motivation to keep you focused and persistent in this competitive market. Don't miss this episode filled with straight talk and actionable advice! 🏠🥴 Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #meghanshomes #straighttalkwithrickandmeghan #realestate #realtor #podcast #housingmarket
2024-09-2015 min
Straight talk with Rick and MeghanJoin us as we break down the latest interest rate trends!Interest rates got you feeling uncertain about your next move in the Orange County real estate market? Join Rick & I on 'Straight Talk with Rick and Meghan' as we break down the latest interest rate trends. Are they rising, falling, or staying put? Discover what to expect in the coming months and when it might be the perfect time to refinance. Don't miss this essential episode, and be sure to share it with your friends! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #straighttalkwithrickandmeghan #podcast #interestrates #realtor #realestate #interestrates #mortgage #homebuyi...
2024-09-1307 min
Straight talk with Rick and MeghanGet your financial ducks in a row NOW so you can confidently write offers that stick! 🏠✨We hate to sound like a broken record, but we're seriously concerned about unprepared buyers jumping into the housing market. 🤦♀️🏠 From self-employed folks and LLCs to partnerships and property-rich but income-poor individuals, too many potential buyers are setting themselves up for disappointment. This week on Straight Talk, we're breaking down the importance of financial preparedness before you start house hunting. Don't let excessive write-offs or complex business structures derail your homeownership dreams. Get your financial ducks in a row NOW so you can confidently write offers that stick! 🏠✨ Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803
2024-08-3114 min
Straight talk with Rick and MeghanThe End of Summer Market...or is it? 🏠☀️Straight Talk with Rick and Meghan: The End of Summer Market...or is it? 🏠☀️ Summer's winding down, but is the hot real estate market cooling off too? 🏠🥶 We're diving into the reality of the "end of summer" market for buyers and sellers. Forget Labor Day - school's back in session, and that means demand in top school districts is shifting. We'll discuss why trying to perfectly time the market is a fool's errand, but also why THIS time of year is my favorite for buying. Tune in for straight talk on navigating the changing tide...
2024-08-2706 min
Straight talk with Rick and MeghanIs an Appraisal Inspection Worth It?Is an Appraisal Inspection Worth It? In this episode of Straight Talk with Rick and Meghan, we dive deep into the world of appraisals. We clear up the confusion between an appraisal and an appraisal inspection, explaining why getting an inspection is still beneficial even if the bank waives it. We also discuss the complexities of transferring appraisals between VA and FHA buyers. Plus, I mark a significant day in the Orange County real estate market: August 13th, the day buyer's agent compensation disappeared from the MLS. Join us for a must-listen episode...
2024-08-2012 min
Straight talk with Rick and MeghanWhy do you need to have your credit run to obtain a pre-qual?!This week on Straight Talk with Rick and Meghan, we dive into the crucial topic of why you need to have your credit report run to obtain a pre-qualification letter and what impact this has on your credit score. Understanding these factors is essential for anyone looking to buy a home. If you know someone who's in the market for a new home, be sure to forward this episode to them! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #straighttalkwithrickandmeghan #credit #creditcard #loan #lender #realtor #realestate #homebuying
2024-07-1905 min
Straight talk with Rick and MeghanWhat exactly is a DU approval?Straight Talk with Rick and Meghan is your go-to podcast for all things real estate in Orange County, California! Hosted by Meghan Shigo and Rick Dennis, we bring you expert insights, honest discussions, and practical advice to navigate the OC housing market. Whether you're a buyer, seller, or just curious about the industry, we've got you covered with the latest trends and insider tips. This week on Straight Talk with Rick and Meghan, we dive into the topic of submitting DU (Desktop Underwriter) approvals for buyers to listing agents. What exactly...
2024-07-1208 min
Straight talk with Rick and MeghanWhat to expect when you're inspecting!This Week on Straight Talk with Rick and Meghan: What to Expect When You're Inspecting! Navigating the inspection process can be daunting, but we've got you covered. Join us as we dive into the essentials of negotiating the rough waters of home inspections. Discover what to ask for, what to avoid, and how to effectively communicate your concerns to ensure your needs are truly represented in your home purchase. Learn why working with a seasoned realtor who is organized, quick to act, and articulate can make all the difference. Don't miss this insightful episode packed with practical...
2024-07-0711 min
Straight talk with Rick and MeghanThe Price is Right: Navigating Listings and Pricing Strategies!Straight Talk with Rick and Meghan: Your Go-To Source for Orange County Real Estate Insights! This week's episode "The Price is Right: Navigating Listings and Pricing Strategies"! Welcome to Straight Talk with Rick and Meghan, the ultimate podcast for everything you need to know about the dynamic real estate market in Orange County, California. Whether you're a seasoned investor, a first-time homebuyer, or simply curious about the latest market trends, we've got you covered with expert advice, insider tips, and engaging discussions. In this week's episode, we dive into the fascinating world...
2024-06-2912 min
Straight talk with Rick and MeghanUnderstanding Real Estate Appraisals: What, Who, and WhyUnderstanding Real Estate Appraisals: What, Who, and Why Welcome to another insightful episode of the Orange County Real Estate Podcast! This week, your hosts Rick and I delve into the world of real estate appraisals. Whether you're a buyer, seller, or just curious about the real estate market, understanding appraisals is crucial. Join us as we explore: - **What is an appraisal?** We'll break down the purpose and process of real estate appraisals. - **Who is an appraiser?** Learn about the role of an appraiser and the qualifications required to become one....
2024-06-2110 min
Straight talk with Rick and MeghanChoosing the right buyer's agent! Join Rick and I this week on Straight Talk with Rick and Meghan as we dive into the essential topic of choosing the right buyer's agent. In this episode, Rick and I begin to explore the critical factors to consider when selecting a buyer's agent to ensure you are well-represented in your real estate journey. From the initial steps to understanding the role of your agent, Rick and I provide valuable insights and practical tips to help you make informed decisions. Don't miss this informative discussion that's perfect for both first-time homebuyers and...
2024-06-1510 min
Straight talk with Rick and MeghanMid-Year Market Review with Meghan Shigo and Rick Dennis!Join us for an insightful episode of our Orange County Real Estate Podcast as hosts Rick Dennis and I dive into a comprehensive mid-year review of the Orange County real estate market. In this episode, Rick and I provide an in-depth analysis of market trends, price movements, and notable changes from the first half of the year. We also share our expert predictions and expectations for the remainder of the year. Tune in to discover valuable tips for navigating the market during the quieter weeks between graduation celebrations and Father's Day—a prime time for home shopping if...
2024-06-0809 min
Straight talk with Rick and MeghanMastering the Home Buying Process: Tips to Get Your Offer AcceptedMastering the Home Buying Process: Tips to Get Your Offer Accepted View the full video on my YouTube at https://youtu.be/w0Za0qZFskw In this week's episode of Straight Talk with Rick and Meghan, hosts Rick and I dive into the essentials of becoming the most prepared home buyer in today's competitive market. Whether you're a first-time buyer or looking to upgrade your current home, Rick and I share expert tips and strategies to help you navigate the home buying process with confidence. From understanding the importance of pre-approval to crafting an irresistible offer, you'll learn how...
2024-05-2509 min
Straight talk with Rick and MeghanAll about being a VA home buyer!Are you a homebuyer considering a VA loan assumption? Curious about how assuming a VA loan could benefit you? In this episode, we dive deep into the world of VA loan assumptions, exploring how this unique financing option can be a game-changer for eligible homebuyers. **What is a VA Loan Assumption?** Understand the basics of VA loan assumptions, including what it means to assume a loan and how it differs from traditional home financing. **Eligibility Requirements:** Learn who is eligible to assume a VA loan, including veterans, active-duty service members, and non-veterans, and what...
2024-05-1708 min
Straight talk with Rick and MeghanUnpacking real estate market predictions from 2023!Welcome to 'Straight Talk with Rick and Meghan', your go-to podcast for navigating the dynamic world of real estate in California! In this week's episode, Rick and I dive deep into the pulse of the market, unpacking the crystal ball predictions of interest rates made in 2023 and contrasting them with the unfolding realities of 2024. Join us as we cut through the noise and deliver real insights into what's shaping the landscape of California's real estate market. From interest rate trends to housing forecasts, we break down the essential information you need to make informed decisions in today's...
2024-05-0410 min
Straight talk with Rick and MeghanThe spring market is here! How to be the most prepared buyer...Welcome back to Straight Talk with Rick and Meghan! On this week's episode, we discuss how the housing market is heating up. April 15th is typically about when it heats up the most, all the way through December! Tune in for our valuable insights about the real estate market! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #meghanshomes #straighttalkwithrickandmeghan #podcast #realestate #realtor #housingmarket #housing #spring
2024-04-0610 min
Straight talk with Rick and MeghanDo you remodel before you sell?Do you remodel before you sell? Are you truly going to recoup your investment? Welcome to Straight Talk with Rick and Meghan, where we keep it light and dive into the world of bathroom remodels! Join hosts Rick and I as we explore the age-old question: Do you remodel before you sell? Are you truly going to recoup your investment? In this episode, we'll break down the ins and outs of bathroom renovations, offering insights, tips, and maybe a few laughs along the way. Whether you're a seasoned homeowner looking to upgrade before...
2024-03-3008 min
Straight talk with Rick and MeghanAll about the NAR settlement, specifically the CAR residential listing agreement!Welcome to the latest episode of Straight Talk with Rick and Meghan, where Rick Dennis, a seasoned loan officer, and Meghan Shigo, an experienced realtor, delve into the dynamic world of Southern California real estate. In this week's episode, we dissect a crucial aspect of the National Association of Realtors' settlement, focusing specifically on the California Association of Realtors' Residential Listing Agreement. Join us as we navigate through the intricacies of this agreement, shedding light on its transparency regarding compensation. From understanding the nuances of commission structures to exploring the implications for both buyers and sellers, Rick...
2024-03-2316 min
Straight talk with Rick and MeghanAll about FHA loans!Welcome to Straight Talk with Rick and Meghan! Join us this week as we delve into the world of FHA loans and uncover the wealth of benefits they offer to prospective homebuyers in beautiful Orange County, California. From low down payments to flexible qualification criteria, we'll guide you through the ins and outs of FHA loans, shedding light on how they can be the key to unlocking your dream home in this vibrant and competitive market. Whether you're a first-time buyer or a seasoned investor, our podcast provides valuable insights and expert advice to navigate...
2024-03-0912 min
Straight talk with Rick and MeghanMeghan shares a personal story of disappointment!Welcome back to Straight Talk with Rick and Meghan! With Meghan Shigo, Realtor, and Rick Dennis, Loan Officer. Join us as we delve into the vibrant world of real estate in one of California's most sought-after locales. In this week's episode, I open up and share a deeply personal story of disappointment, serving as a poignant reminder of our unwavering dedication to providing a five-star experience for our clients. Through this narrative, we underscore the importance of always prioritizing our clients' best interests above all else. Tune in as we explore the intricacies of the...
2024-03-0219 min
Straight talk with Rick and MeghanThe ethics of writing multiple offers on multiple properties simultaneouslyWelcome back to "Straight Talk with Rick and Meghan" – your go-to podcast for all things real estate in Orange County, California! I'm your host, Meghan Shigo, a seasoned Realtor, and joining me today is Rick Dennis, a reputable loan officer with years of industry experience. In this episode, we delve into a topic that's often debated within the real estate community: the ethics of writing multiple offers on multiple properties simultaneously. In a fast-paced market like Orange County, where demand often outstrips supply, prospective buyers may feel compelled to submit multiple offers in hopes of securing their dream home. Ho...
2024-02-1613 min
Straight talk with Rick and MeghanNon-owner occupant mortgages and the realities of real estate investing!Welcome back to Straight Talk with Rick and Meghan, your go-to podcast for all things real estate! Join us this week as we dive deep into the nitty-gritty of non-owner occupant mortgages and the realities of real estate investing. In this episode, Rick Dennis, esteemed loan officer, and myself, a seasoned Realtor, are here to burst your real estate investor dreams… just kidding, we are here to EDUCATE you! We'll review the guidelines and requirements you actually need to qualify for a non-owner occupant mortgage, separating fact from fiction and providing invaluable insights for aspiring investors. But that's not al...
2024-02-1010 min
Straight talk with Rick and MeghanAll about the California Dream for all shared appreciation program!Welcome to this week's episode of #straighttalkwithrickandmeghan ! 🏡 Join us as we delve into the California Dream for All shared appreciation down payment assistance program, uncovering crucial guidelines for a successful application. 💡 Whether you're a first-time homebuyer or navigating the real estate market, this episode is a must-listen! Discover insider tips for maximizing your chances in the application process and gain valuable insights into the world of real estate. Plus, don't miss out on an exclusive tour of my newest listing in East Anaheim—your dream home might be just a click away! 🌟 Megha...
2024-02-0316 min
Straight talk with Rick and MeghanDiving into the world of insurance with John Boyd!Join hosts Rick and I this week as we dive into the world of insurance with special guest John Boyd from Farmer's Insurance. 🏡🚗 Discover the latest changes in California's insurance landscape, upcoming requirements, and get valuable insights on what to do if you receive a cancellation notice from your insurance company in the mail. Tune in for a wealth of knowledge! 🔍 **Key Topics:** - Insurance Changes in California - Upcoming Requirements - Dealing with Insurance Cancellation Notices 🎓 **Learn from the Experts:** Whether you're navigating the complexities of insurance or exploring real estate...
2024-01-2020 min
Straight talk with Rick and MeghanPreparing for success as a home-buyer in 2024!This week, Rick and I talk about the actions that you can do to be prepared to have success this year and if your house hunt is one of those things, it's time to get your pre-approval updated ASAP so that you're ready to write offers and be successful!! Bonus! Listen to our strategy for communicating with the listing agent once you've made your offer! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #realtor #realestate #anaheim #oc #orangecounty #downtownanaheim #housingmarket #listing #podcast #lender #homebuyers #housing
2024-01-1509 min
Straight talk with Rick and MeghanFinancing, FHA Approval, and Rate Revelations!Year-End Real Estate Wrap-Up: Financing, FHA Approval, and Rate Revelations! Welcome to the final "Straight Talk with Rick and Meghan" episode of 2023! 🎉 In this sizzling installment, we dive deep into three burning real estate topics that will keep you on the edge of your seat. 🔥 1️⃣ Unlocking Escrow Secrets: Can Buyers Change Financing Midway? Ever wondered if it's possible for a buyer to shake up their financing game while in escrow? Join us as we unravel the mysteries and provide valuable insights into this crucial aspect of real estate. 2️⃣ Decoding the FHA Spot Approval Process for Condos! FHA spot approval for condos? We...
2023-12-2221 min
Straight talk with Rick and MeghanAll about real estate finance!View the full video on my YouTube at https://youtu.be/j-WGWWI8sFY?feature=shared 🎙️ Welcome back to Straight Talk with Rick and Meghan! 🏡 This week, we're diving into the world of real estate finance. Ever wondered about conforming loan limits and what's the deal with high balance? 🤔 Join us as we break it down and unravel the mysteries behind how your county and the type of house you're eyeing can impact the cost of your loan. 🏠💰 Tune in for some enlightening discussions and be sure to share the knowledge with a friend! 🌐💬 Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #realestatefinance #conf...
2023-12-0209 min
Straight talk with Rick and MeghanHave you heard about the lawsuit regarding Realtors' commissions??View the full episode on my YouTube at https://youtu.be/ugjSOw_iWZ4 🎙️ Tune in to this week's episode with Rick and I as we dive deep into the recent lawsuit surrounding buyers' agent commissions. Get the inside scoop on the evolving real estate landscape in California and discover the financial aspects of being a Realtor in the state. 🏡 Explore the burning questions: How much does the average Realtor make in California? What benefits do they enjoy, and what challenges are causing brokers to make their exit? The hosts unpack the implications of these changes and offer insights into the curr...
2023-11-1816 min
Straight talk with Rick and MeghanRick explains what a 5/1 ARM loan is!Join hosts Rick and I in this week's episode as we unravel the mysteries of home financing and FHA condominiums. Have you ever wondered what a 5/1 ARM is in the context of an FHA loan? You're not alone! ARM stands for Adjustable Rate Mortgage, and it's one of the many terms that can leave homebuyers scratching their heads. Tune in as Rick and I break down the intricacies of this popular mortgage type, helping you understand how it works and whether it's the right choice for your home purchase. But that's not...
2023-11-0410 min
Straight talk with Rick and MeghanBuying a home with an HOA? Listen to this first!In this week's episode of Straight Talk with Rick and Meghan, join us as we dive deep into the world of Orange County real estate and explore the intricacies of buying a home in a Homeowners Association (HOA). 🏘️ Buying a home in an HOA can be a rewarding but complex process, and understanding the fine print in those hundreds of pages of documents is crucial. We break down the key factors you should be paying attention to, helping you make a well-informed decision. 📑 Discover essential tips, insights, and real-life experiences from our expert guests, and gain a c...
2023-10-2811 min
Straight talk with Rick and MeghanHow does your lender determine YOUR interest rate?In this week's episode, Rick and I dive deep into the world of real estate, offering valuable insights and advice. With over 40 years of experience in the mortgage industry, Rick provides expert guidance on how to navigate the current landscape of soaring interest rates and the critical decision of when to lock in your rate. 🏡💰 I share my recent experiences and frustrations dealing with other Realtors who lack the necessary experience and supervision. Join us for a candid discussion about the challenges of the real estate industry, where we firmly believe that there's no room for te...
2023-10-0712 min
Straight talk with Rick and MeghanFall housing market update!Fall housing market update!! 🍁🎃 🔑 What is predicted to happen? 🔑 What do WE think is going to happen? 🔑 And what should you do about it?! Tune in to find out!! And tune in every week for more valuable real estate information! 🏠👩🏼💼♥️ Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #straighttalkwithrickandmeghan #podcast #realtor #realestate #housing #housingmarket #fallhousingmarket #anaheim #oc #orangecounty
2023-09-3012 min
Straight talk with Rick and MeghanHOA Insurance Problems?!Welcome back to #straighttalkwithrickandmeghan ! This week, we discuss HOA insurance. What are the owners' responsible for? What is the HOA responsible for? Tune in to find out! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #podcast #hoa #lender #realtor #realestate #anaheim #oc #orangecounty
2023-09-2308 min
Straight talk with Rick and MeghanNavigating first time home buyer programs!This week on the podcast, Rick and I delve into the world of first-time homebuyer programs, separating the genuine opportunities from the questionable ones. Tune in to discover the secrets of legitimate first-time homebuyer assistance! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803
2023-09-1607 min
Straight talk with Rick and MeghanSelling homes with solar! What does this mean for the lender, appraiser, Realtor, etc!Exploring the Tangible Benefits of Selling Homes with Solar! 🏡☀️ Learn about quantifiable advantages for owned and leased solar homes. Discover how appraisers assess solar's value! Tune in every week for more valuable information. Always feel free to message me with any questions! 📲(714) 273-1381 💌meghanshigo@gmail.com Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #meghanshomes #lender #appraiser #appraisal #solar #homeselling #listing #realtor #realestate #anaheim
2023-08-2603 min
Straight talk with Rick and MeghanLearn the ins & outs of appraisals!🎙️ Tune in to this week's episode as Rick and I dive into the world of #appraisals ! Learn about the ins and outs of property valuation. #realestatetalk #homeappraisal Discover who initiates the appraisal process and its timing. Uncover the costs involved and understand who foots the bill. Get insights into the distribution of appraisal reports. 📜🏠#propertyvaluation Ever wondered about the role of an appraiser during their on-site visit? Find out the duration of the appraisal procedure and what factors are taken into consideration. ⏱️💼 What if the appraisal value falls short? Explore the consequences and potential steps to take. 📉🏡 Don't miss this episode filled with...
2023-08-1815 min
Straight talk with Rick and MeghanCelebrating my 25th real estate anniversary! Tune in for some stories from our combined 70 years!Join us for a special episode as we celebrate my 25th anniversary in the real estate industry! Rick and I come together to share stories about our journey to where are careers are now. From navigating market shifts to witnessing industry trends, Rick and I bring a wealth of knowledge as we reflect on our combined 70 years of real estate expertise. Don't miss this opportunity to gain insider insights into the world of real estate and learn from seasoned professionals. Whether you're a seasoned agent, a newbie in the field, or simply intrigued...
2023-08-1216 min
Straight talk with Rick and MeghanMid-2023 Housing Market Update!Rick and I walk you through a mid-2023 housing market review! We'll go over... What we thought would happen in 2023 What has actually happened in 2023 What we think is going to happen for the remainder of 2023 Tune in to hear expert advice from over 40 combined years of experience in this industry. If you have any questions, please feel free to reach out! (714) 273-1381 meghanshigo@gmail.com Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 ...
2023-07-2809 min
Straight talk with Rick and MeghanSupply AND demand are at a standstill!Housing supply AND demand are at a major standstill! The housing market is confused! 📊🏠 In 2020, just 3 years ago, interest rates were about half of what they are now, roughly 3.5%. As of today, rates are at almost 7% while home prices keep at a steady incline. If homes are priced right, they sell right away! The average debt to income ratio right now is insane! It's difficult for prospective buyers to get qualified for a loan if their debt to income ratio is over 50%. If you're looking for some help navigating your way through this tricky real estate market, I am here a...
2023-07-2109 min
Straight talk with Rick and MeghanThe 3 biggest reasons that buyers are waiting to buy a home... DEBUNKED!View the full video on my YouTube at https://youtu.be/elGgy1WN3b4 Join Rick and I as we delve into the top three excuses potential homebuyers are using to justify not purchasing a home at the moment. In this episode, we'll tackle excuse number one: the desire to save more money. Excuse number two is the anticipation of lower interest rates, and finally, the suspenseful excuse number three: waiting for prices to decrease. Tune in to gain valuable insights and share this episode with a friend who's grappling with the decision...
2023-06-2418 min
Straight talk with Rick and MeghanRick and I go over some FAQs of the loan-approval processDiscover the ins and outs of the loan approval process in this week's episode of Straight Talk with Rick & Meghan! Join Rick and I as we delve into frequently asked questions and provide a comprehensive breakdown of how this crucial step unfolds. Don't miss out on the opportunity to gain valuable insights into the home-buying process - tune in every week! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #straighttalkwithrickandmeghan #podcast #lender #loanapp #loan #homebuyingtips #housingmarket #firsttimehomebuyer #anaheim
2023-06-0907 min
Straight talk with Rick and MeghanA price increase for those with higher credit scores?! Yep!Did you know that there's been a price increase on conventional loans due to your FICO scores? Yep! As of May 1st, home buyers with higher FICO scores are, in a way, penalized with higher rates! Going FHA is a great alternative! Tune in to hear us explain everything! Share with a friend who's looking to buy! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803
2023-05-2308 minStraight talk with Rick and MeghanGetting penalized for having a higher credit score?!Getting penalized for having a higher credit score?! Yep! As of May 1st, everything changes! Tune in to hear us explain how this happens... Feel free to message me with any questions! Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803 #meghanshigo #straighttalkwithrickandmeghan #podcast #lender #realtor #realestate #oc #anaheim
2023-05-1204 minStraight talk with Rick and MeghanA rant session!Welcome back to another episode of #StraightTalkwithRickandMeghan ! 👩🏼💼👨🏼💼 Rick and I took this week's episode to go off about some of the irks of the current housing market, and all the baggage that's come in with it!! Tune in to hear our expert opinions! Check out more episodes on my YouTube ▶️ @ https://www.youtube.com/channel/UCIzjNhWjrS8RgsQZx_Es5Kw Or on multiple platforms in podcast form! 🔊 @ https://open.spotify.com/show/1ZCKGMmZ1ltiYQalRlIXvg?si=8bcd89ed87294341 Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803
2023-05-0511 minStraight talk with Rick and MeghanDPAs! What are they and how can they help first-time homebuyers?Welcome back to another episode of #StraightTalkwithRickandMeghan ! 👩🏼💼👨🏼💼 View the full episode on my YouTube channel at https://www.youtube.com/channel/UCIzjNhWjrS8RgsQZx_Es5Kw There are lots of first-time homebuyer programs out there! DPA or down payment assistance programs are just the tip of the iceberg! Make sure you have a lender on your side that can walk you through the programs available, and help you find one that best fits your needs! Check out more episodes on my YouTube ▶️ @ https://www.youtube.com/channel/UCIzjNhWjrS8RgsQZx_Es5Kw Or on multiple platforms in podcast form! 🔊 @ https://open.spotify.com/show/1ZCKGMmZ1ltiYQ...
2023-04-2207 minStraight talk with Rick and MeghanThe California Dream for All Loan has been used up already!Remember the California Dream for All Shared Appreciation Loan from last week?? It's been used up!! $300,000,000 gone! It only took 10 days! Buyers, when a good first-time homebuyer program comes up, you have got to act quickly! Tune in to find out how you, as a buyer, could better prepare yourself when situations like this come up. Meghan Shigo, Realtor Century 21 Affiliated DRE 01243803
2023-04-1409 minStraight talk with Rick and MeghanMore in depth about the California Dream for All loan!In this week's episode, Rick and I delve into the California Dream for All program, a new shared equity initiative designed for first-time homebuyers or those who haven't owned a property in the last three years. Join us as we explore the program's highs and lows, and discover how to prepare yourself to avoid any potential pitfalls that could sabotage your success. Don't miss out on this valuable information, so be sure to tune in, learn, and share with a friend! Meghan Shigo, Realtor Century 21 Award DRE 01243803
2023-04-0811 minStraight talk with Rick and MeghanWhat is the California Dream For All Shared Appreciation Loan?View the full episode on my YouTube using this link https://www.youtube.com/channel/UCIzjNhWjrS8RgsQZx_Es5Kw In this episode of the podcast, Rick and I discussed our new addition to the family! The good news is that we heeded our own counsel and are now living blissfully. We also delve into the California Dream For All Shared Appreciation Loan, which appears to be a promising prospect as it offers the opportunity to secure a home by paying 20% down payment now and receiving 20% equity later. It's an attractive opportunity, and interested individuals should act promptly as...
2023-03-3109 minStraight talk with Rick and MeghanRick and Meghan discuss contingencies!View the full episode on my YouTube at https://www.youtube.com/channel/UCIzjNhWjrS8RgsQZx_Es5Kw ! In this episode of the podcast, Rick and I delve into the intricacies of contingencies in a contract. We discuss the timeline for removing them and the conditions surrounding a loan, as well as what to expect once your loan contingency is removed. If you're someone who loves to dive into the nitty-gritty details, then this episode is perfect for you! Don't forget to share it with a friend who is in the market to buy, so they...
2023-03-2411 minStraight talk with Rick and MeghanRecent banking crisis and the resulting media coverage...In this episode of the podcast, Rick and I discuss the aftermath of recent banking crises and the resulting media coverage in their review this week. What lies ahead? Tune in to this informative discussion and share it with a friend who may be considering a mortgage! Meghan Shigo, Realtor CENTURY 21 Award DRE 01243803 #RickAndMeghanReview #BankingCrises #MediaCoverage #Aftermath #FinanceNews #WhatsNext #EconomicAnalysis #CurrentEvents #FinancialCrisis #BankingSector #InvestmentInsights #orangecountyrealestate #OCrealestate #realestate #homesforsale #propertyforsale #luxuryhomes #dreamhome #investinrealestate #realestateagent #realtor #homebuying #homeselling #housingmarket #realestateinvesting #californiarealestate #socalrealestate #beachliving #coastalhomes #southerncalifornia #OCliving #meghanshigo #anaheim
2023-03-1811 min
Straight talk with Rick and MeghanWhat is an ARM?Find the full video on YouTube using this link https://youtu.be/omKZepaIu88 In this episode of the podcast, Rick and I delve into the topic of adjustable rate mortgages and pick a payment mortgages. We explore the history of these types of loans and their popularity in the past, as well as the impact of the 2008 financial crisis on their reputation. We also discuss whether these types of mortgages still have a place in the current housing market and whether they are a viable option for homebuyers today. Tune in to this informative discussion...
2023-03-1109 min