Real Estate Radio LIVE

Despite the recent ups and downs we’ve seen in the market, sellers around the US have been happy with their transactions over the last 10 years; but have they gotten the short end of the stick? The National Association of Realtors and a few major brokers have been found guilty of inflating their commissions in Missouri, Kansas, and Illinois. Though this only pertains to a few states for now, the rest of the US will likely follow and potentially bankrupt the whole industry or force mass consolidation. Today Joe Cucchiara and Jack Russo look at the significant blow the NAR just took and how things like automation and blockchain technology will further disrupt the industry. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

When the housing market was strong, nearly everyone either had a part time gig in real estate or they fully switched career paths for easy money. Now that the market has slowed, nearly 40% of loan officers declined the option to renew their license this year. It’s an unfortunate, but necessary cycle that weeds out those who dabbled in the market and leaves only those who are truly committed. Of course, this cycle is not limited to only real estate, all businesses need to experience the same process of burn and regrowth to become stronger. While closing the sale of Twitter to current Owner Elon Musk, the law firm Wachtell Lipton Rosen & Katz racked up a massive bill to the social media company in a less than ethical manner by committing to astronomical hourly and success fees. Today Joe Cucchiara and Jack Russo look at the shocking way money is changing Silicon Valley ethics. Click here to read more about Elon Musk's lawsuit against Twitter's lawyers: https://www.law360.com/pulse/articles/1697344/attachments/0 To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

The real estate market is slowly leaking air, and it’s not just in residential. The construction of Google’s downtown San Jose mega-campus was put on hold, and it might not be completely due to workers refusing to head back to the office. Google’s campus was expected to create thousands of new jobs and provide housing for several thousand as well, but that was before ChatGPT changed what is possible in the workforce. AI is all set to slash an incredible amount of middle tier jobs from the workforce by replacing hours of human done research with a quick search done with a few key phrases. Today Joe Cucchiara and Jack Russo discuss ChatGPT’s probable place in the workforce. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Rolling into a new quarter means new changes are happening in the real estate market. Interest rates are finally starting to trend down after 2-3 years of rate hikes and it’s likely that this summer the Bay Area will see more transactions now that the worst of covid seems to be over. Listen in as host Joe Cucchiara explains why the second quarter might be your best opportunity to buy despite economic concerns. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

First time homebuyers finally have a new option to help them achieve the dream of buying their very own place. The Dream For All program which launched Monday will assist first time home buyers in California for the first time by providing 100% financing! Dream For All is a shared appreciation financing program where borrowers will have to meet some incredibly generous qualifications regarding income, repayment appreciation & more. So what other requirements do potential borrowers need to meet to qualify for this new loan? Listen in as host Joe Cucchiara breaks down California’s newest program to aid homebuyers along the journey of homeownership. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

It’s been quite a day for Silicon Valley. Stock prices for Silicon Valley Bank plunged from a hearty 260 to a meager 26, a whopping 90% reduction, over the course of just a few days! Solvency and liquidity have become an urgent issue for Silicon Valley bank as it has backed many FinTech startups over the years, many of which were crypto firms that have been going under. First Republic Bank also took a solid hit today signaling that this situation could have national and global ramifications. Joe Cucchiara and Jack Russo discuss the big effects we will see following the failure of Silicon Valley Bank. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

While California and New York have always been expensive places to live, the middle US has historically been a reliable area to purchase affordable housing. Unfortunately, that is no longer the case today and the housing market is essentially broken. One of the reasons why housing prices continue to skyrocket across the country is the increasing cost of labor which is something consumers will just have to accept – or will they? The inevitable has happened and computer-based automation is now set to take its place in home development. Host Joe Cucchiara asks Jack Russo if a more stable housing market can be created by printing 3D homes. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Not too long ago the silicon valley lifestyle of the constant hustle was something to be glorified. Who didn’t come to California dreaming about being the startup CEO who bikes to work at 4 am and spends 12+ hours building a successful business? Well, it seems the luster of a luxurious workplace has finally started to wear off and having a plethora of creature comforts at the office is no longer attractive enough to supplant an improved quality of life. For the first time in several years, segments of the housing market are starting to slow, but are they the areas our host Joe Cucchiara predicted in previous podcasts? Joe discusses reasons for the newest turn in the housing market with RERL’s good friend, Jack Russo. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Covid and the lockdown did very little in the way of shutting down technology. In fact, it did quite the opposite. The pace at which professionals have come to use technology was forcibly accelerated – unless you work in real estate or lending. Two years have gone by and there has been virtually no progress in assisting consumers with the lending or real estate transaction. Joe Cucchiara and Jack Russo discuss the stagnated transaction process of buying and selling a home and where advancements need to begin. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Most of us would be surprised to learn how many people around us are dealing with mental health issues. May is mental health awareness month and even if you are not fighting a mental illness yourself, it’s a good time to learn about the people around us who are. Joining Joe Cucchiara to discuss the importance of mental health is none other than his daughter, Rachel Cucchiara, an advocate of mental wellness for all who started fighting her own mental health battles 14 years ago. The pandemic brought up a whole slew of new mental illnesses and elevated a lot of existing ones, but if you find the confidence to share your story, you may find you’ve had a positive and profound impact on someone who needs help around you. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

We’re back! The world may seem like it’s getting back to normal, but the real estate market is still changing rapidly. In about a month, interest rates jumped from 3% to 6% and ending the years of all-time low interest rates. Living in Silicon Valley, it’s hard to believe that anything could touch our real estate when its inimitable uniqueness keeps the job market strong – but is Silicon Valley invincible to levels of inflation we have never seen before? Joe Cucchiara explains what drove interest rates up so quickly and what homebuyers and sellers can expect going forward. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Zillow quickly became the first step for buyers and sellers due to their instant connection to tons of real estate information. However, the disruptor ran into some big issues when it tried to add buying and selling to its repertoire. The issue? Not enough hands to make the purchase and selling process as seamless as they wanted. As a result, the iBuyer program was paused then abandoned shortly after. Joe Cucchiara and Jack Russo discuss if digital buying programs still have promise in our future and how much longer traditional broker relationships can survive automated home sales. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Paying off the mortgage early is that goal all homeowners work towards – and why wouldn’t you? Any form of debt is bad and you’re just throwing away money in the form of interest. Well, mortgage rates are crazy low right now with some rates below 3%, but with inflation pressing upon us those rates could easily rise to 4-5%! Joe Cucchiara argues that just about everyone should have a mortgage and homeowners that don’t should go out and get one while the money is still cheap. Tune in and listen to the benefits of carrying a mortgage when you absolutely don’t have to. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

After many decades of finding talent and reaping success in California, Larry Ellison packed up Oracle and headed for Texas – and he’s not the only one. Charles Schwab followed suit and now Elon Musk has confirmed Tesla will also be finding a new home in Austin. Those are three big blows to California that has others wondering if these moves are more than coincidence. California’s advantages seem to be dissolving around us and the last thing we want to do is wake up one day and ask ourselves how we did we not see this coming. Joe Cucchiara and Jack Russo discuss how California went from being a big draw to the place you probably don’t want to run your business from. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Ask your financial planner and they will agree that long-term real estate is almost always a good investment as long as the timing is right for you. Even in California where average home prices are notoriously high can real estate be a sound investment; you just need to be more cautious of the type of investment you make. While primary residences are still a hot commodity up and down the state, the pockets of investment areas are quickly shriveling up. Are there any decent areas left to invest in inside California or are those days already behind us? Joe Cucchiara explains why he believes the opportunity for investible non-owner-occupied properties has come and passed in California. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Taxes, climate, and the general costs of living are 3 of the top concerns when moving to a new state - but certainly community plays a big role in the future quality of your life! There are 50 states that have their own unique ways of doing things, but only a few can claim to be the homes of the friendliest cities in America or have the best cities to retire in. Joe Cucchiara and Jack Russo get together for a coast to coast talk about the friendliest cities America has to offer. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

When interviewing agents, it’s hard to find anyone better than an agent who prioritizes relationship building with clients and works with a group of dedicated and experienced coworkers. Add in that you’ll be looking at homes in one of the more beautiful spots in the country and life couldn’t get much better. Today Joe Cucchiara introduces us to his longtime friend and Monterey Coast Realty agent, Ed Bass to figure out what makes this little piece of California a special place to live. Topics: To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

The real estate market has been largely stagnant in terms of technological growth. Meet Tyler Baldwin, Ceo of Reali – a one stop real estate shop looking to disrupt the market so everything about the home buying and selling process becomes smarter, faster, and smoother. Host Joe Cucchiara finds out from Tyler how Reali uses their technology to streamline the transaction process, overcome regulations and cut costs by bringing the homebuying process into the future. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Right, wrong, good or bad, the eviction moratorium is under hot debate right now. After millions of Americans were spared the fear of losing their home in addition to their job when the pandemic hit, the time to unfreeze the ban on evictions and return to something resembling normal life has come – or has it? Like many things, viewpoints and needs have changed since 2020 and now is the time to reevaluate how we address these needs. So, what do we do about it? Joe Cucchiara shares the data statistics that suggest if the eviction is doing more harm than good. To learn more, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.

Is the market still on fire? Are buyers still snapping up homes now that the state has opened? What do agents and lenders predict will happen 90 days from now? 2021 continues to be a wild ride for real estate that we might not be able to accurately predict. Is there anything that could bring the market to its knees? Later on, Joe Cucchiara asks Mike D’Ambrosio take a look at where the superrich of the world really live – and the richest US city of them all is probably not what you were expecting to hear. Take a seat New York and San Francisco, you ain’t got nothing on this crazy wealthy California city. Be sure to call in with your questions during the show at 1(800)516-1220 between 3:00 p.m. and 4:00 p.m. PST on AM 1220 KDOW. To learn more about all our hosts and how to contact them, simply visit www.RERadioLive.com. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Bobbi Decker CalBRE 00607999. Mike D’Ambrosio CalBRE 01841982. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/.