Robin McCoy is still here, and Mylo has receipts. There's the listing agent who wouldn't touch her commission while the seller brought $30K to closing, the 78-year-old laying her own carpet to pass FHA, and an insurance binder that should take one click but took four days, five people, and a CEO (walk into a bar…).

Then the rate shopper who magically found 6.375 overnight gets schooled: rate is ego, payment is reality. Mylo gets real about the one file in hundreds that never cleared, and why lenders now want proof of everything.

And yes, a former NFL star really did walk into Wells Fargo with Hefty bags full of cash. Sir.

Catch Robin's podcast, Relax I Got This: Embracing Life After 60, at relaxigotthis.com.

Chapters:

00:00 Cold Open: Trash Bags Full of Cash

01:00 "Can't You Do Better?" Lender Compensation

02:55 The 78-Year-Old Fixing Her House for FHA

04:00 The Seller Who Brought $30K to Closing

05:00 Four Days for an Insurance Binder

07:55 The Realtor Holds the Golden Egg

08:50 Why Mylo Won't Ask You for Deals

10:00 "Call Me When It's Cleaned Out"

10:55 No Calls After 6 PM

12:00 The Miracle 6.375 Rate

13:25 Rate Is Ego, Payment Is Reality

14:50 Pay Me in Privilege

16:20 The File That Never Cleared

17:50 The Hair Business on Facebook

19:20 Exotic Dancers & Mortgage Qualifying

20:55 The NFL Star & the Trash Bag Bank Run

22:30 Where to Find Robin McCoy

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