Real Estate Coaching Radio

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There are many ways to a better rate, and most buyers only know about one. Tim and Julie share the script for buyers who want to wait for rates or spring, what waiting could cost, why buyers don't buy rates but payments, how ARMs, a 2-1 buydown and permanent buydowns lower the payment, how owner financing and a seller-carried second widen the buyer pool, and listener questions on lead follow-up and vendor take-back mortgages. Premier Coaching: PremierCoaching.com. Free newsletter: HarrisRealEstateDaily.com.

Chapters
0:00 "Rates are too high. We're just going to wait."
0:22 Today's three segments
0:58 Waiting on rates, midterms and emotions
1:30 A possible mini housing boom this November and December
2:29 The "we'll wait for spring" script
4:10 What waiting could cost: appreciation in 2026
4:56 The seller side: motivated buyers and lease-backs
7:50 Headline: rates ease and adjustable loans gain share
9:04 Translate "I want rates down" into "I need a lower payment"
10:01 Luxury report: all-cash buyers are increasing
10:57 Breaking into luxury
12:27 Making money: buyers don't buy rates, they buy payments
13:40 Owner financing for luxury sellers
15:22 The Swiss army knife of financing
17:12 Listener question: how many times do I follow up?
20:07 Listener question: vendor take-back mortgages
21:40 Ask expired sellers about owner financing
22:43 Concessions and a seller-carried second
24:25 Alternative financing in luxury
25:20 Creativity, flexibility and mining the MLS
26:42 An eight-figure owner-financing deal
27:54 The big takeaway

Free training and newsletter: HarrisRealEstateDaily.com
Coaching: premiercoaching.timandjulieharris.com
Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
Join eXp + Libertas: WhyLibertas.com/Harris
Text Tim Direct: 512-758-0206
Opinions are my own and not the views of eXp Realty.

👉 Join the Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
📬 The daily companion to Real Estate Coaching Radio. Subscribe free: https://www.harrisrealestatedaily.com/subscribe

Is new construction really cheaper? Tim and Julie show how to compare new and resale apples to apples, why most buyers really choose new construction for the payment, what builders are offering right now, how flex cash works and how resale sellers can offer their own version with concessions, how new build reps become a steady referral source, and a listener question about a builder refusing to pay the buyer's agent. Premier Coaching: PremierCoaching.com. Free newsletter: HarrisRealEstateDaily.com.

Chapters
0:00 "The new homes are cheaper. Why buy used?"
0:55 Today's three segments
1:06 Why new construction can be a game changer
3:06 Apples to apples: location, size and materials
4:31 Why buyers really choose new: the payment
5:38 The payment script for buyers
6:57 Headline: 65% of builders are offering incentives
7:42 What builders are offering right now
9:15 Inflation, appreciation and the payment
11:13 Resale can do what the builders do
12:39 What is flex cash?
13:25 Flex cash on a resale listing: seller concessions
14:49 Find the builder's lender and match the deal
15:28 Making money: new build reps are referral sources
17:14 Buyer and listing referrals from builder traffic
19:18 Listener question: the builder won't pay me
21:10 The commission check you didn't know was coming
21:43 The big takeaway

Free training and newsletter: HarrisRealEstateDaily.com
Coaching: premiercoaching.timandjulieharris.com
Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
Join eXp + Libertas: WhyLibertas.com/Harris
Text Tim Direct: 512-758-0206
Opinions are my own and not the views of eXp Realty.

👉 Join the Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
📬 The daily companion to Real Estate Coaching Radio. Subscribe free: https://www.harrisrealestatedaily.com/subscribe

Tim and Julie walk through the work you should already be handing to AI in your real estate business so you can get your hours back: lead follow-up that never sleeps, social media content, a CRM agent that reacts like a human, and the whole listing process, not just descriptions. They share how AI caught overcharges in their own rental business, why human teams stopped paying, AI script role-play, and listener questions on virtual staging and being busy versus productive. Premier Coaching: PremierCoaching.com. The full list of all 10, with notes and prompts, is in the free newsletter: HarrisRealEstateDaily.com.

Chapters
0:00 "How do you have time for all this?"
0:55 Today's three segments + the free newsletter
1:23 The Harris Real Estate AI Team: 10 AI agents
3:17 Let AI run your social media content
4:23 A CRM agent that reacts like a human, not a drip
7:01 Headline: 52% of agents say AI improved their content
9:16 Why human teams stopped paying, and what AI changes
12:27 Our 14 AI agents work while we sleep
14:45 Making money: lead follow-up that never sleeps
15:29 How Julie went from skeptical to all in
17:09 What the banks are really afraid of
19:53 AI managing our property managers
21:34 The $475 oven racks
26:27 Don't just use AI for listing descriptions
28:13 AI role-play for scripts, now in Premier Coaching
30:02 Listener question: is virtual staging OK?
31:02 Remove, refresh, then virtually stage
33:12 Listener question: busy all day, nothing done
36:38 It's almost 2027: deploy the AI team

Free training and newsletter: HarrisRealEstateDaily.com
Coaching: premiercoaching.timandjulieharris.com
Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
Join eXp + Libertas: WhyLibertas.com/Harris
Text Tim Direct: 512-758-0206
Opinions are my own and not the views of eXp Realty.

👉 Join the Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
📬 The daily companion to Real Estate Coaching Radio. Subscribe free: https://www.harrisrealestatedaily.com/subscribe

The new UAD 3.6 appraisal report becomes mandatory November 2. Tim and Julie explain what changed (more detail, not lower values), why some lenders can use the old format until May 19, 2027, and how a pre-inspection and a house binder help sellers get credit for their upgrades.

Plus an expired-listing script, FHA and VA appraisal issues, square footage and basement egress, and listener questions.

Source: Andi Wagner, Harris Real Estate Daily.

Free training and newsletter: HarrisRealEstateDaily.com
Coaching: premiercoaching.timandjulieharris.com
Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
Join eXp + Libertas: WhyLibertas.com/Harris
Text Tim Direct: 512-758-0206
Opinions are my own and not the views of eXp Realty.

👉 Join the Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
📬 The daily companion to Real Estate Coaching Radio. Subscribe free: https://www.harrisrealestatedaily.com/subscribe

Your renter says, "We'd love to buy, but we just don't have enough saved for a down payment." Most agents say, "Let me know when you're ready." A year later, they're still renting, or they bought with the agent who knew about the programs for them.

Here's the truth: most of those renters aren't short on income. They're short on information.

There are more than 2,700 down payment assistance programs in this country, and most of them serve people earning over $100,000 a year.

In this episode, Tim and Julie Harris cover what down payment assistance is, who qualifies (first-time usually just means you haven't owned a home in three years), the difference between grants and forgivable, deferred and repayable seconds, why you need at least three lenders, and how to find the programs in your market.

Plus listener questions: do sellers see DPA offers as weaker, and can a buyer combine DPA with a seller-paid rate buydown?

Free training and newsletter: HarrisRealEstateDaily.com
Coaching: premiercoaching.timandjulieharris.com
Harris AI Real Estate Team: https://ai-team.timandjulieharris.com
Join eXp + Libertas: WhyLibertas.com/Harris
Text Tim Direct: 512-758-0206
Opinions are my own and not the views of eXp Realty.