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Mortgage Wise with Mike Wise

Mortgage Wise with Mike Wise

Di: Mike Wise
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A proposito di questo titolo
 Join Mike Wise, a seasoned mortgage expert, on "Mortgage Wise with Mike Wise," your go-to podcast for navigating the world of real estate financing. Whether you're a first-time homebuyer, seasoned investor, or industry professional, Mike covers everything you need to know. From in-depth discussions on various loan types and understanding market trends to timely updates on interest rates and their economic and political drivers, Mike keeps you informed and empowered in today's dynamic real estate landscape. Stay tuned for expert insights and practical advice that can make a difference in your financial decisions. Follow along at http://www.mortgagewisewithmikewise.com2025 Economia Gestione e leadership Leadership Ricerca del lavoro Successo personale
Episodi
  • Mikey Taylor: Skateboarder-Turned-Mayor On Housing, Downtown T.O. Growth, And Keeping The City Safe :: Ep 29 Mortage Wise with Mike Wise

    Mikey Taylor: Skateboarder-Turned-Mayor On Housing, Downtown T.O. Growth, And Keeping The City Safe :: Ep 29 Mortage Wise with Mike Wise
    Jul 22 2026
    The real estate market isn’t just about prices and rates—it’s about policy, infrastructure, and how cities respond to massive state and federal pressure. In this episode, former pro skateboarder and current Thousand Oaks mayor Mikey Taylor sits down with Mike to unpack how housing laws, downtown redevelopment, and city budgeting are reshaping Thousand Oaks and the Conejo Valley.From the controversial seven‑story downtown project to ADUs, senior housing, mixed‑use developments, and what “affordable housing” really means under California law, Mikey explains how local leaders are trying to keep Thousand Oaks safe, livable, and economically competitive—without losing its small‑town feel. If you’re a realtor, lender, investor, or homeowner, this conversation gives you rare “inside the room” context on what’s coming next.Timed Highlights:00:00 – Intro: Mortgage Wise with Mike Wise opens the show00:20 – Meet Mikey Taylor: pro skater, investor, and mayor of Thousand Oaks00:58 – Life on tour, Paris stories, and five kids later01:59 – From brewery founder to co-president of Commune Capital02:39 – The “seven stories in Thousand Oaks” controversy explained04:13 – Builder’s Remedy: how state housing law overrides local control05:22 – Why T.O. must add 2,600 new units and why the 101 corridor matters06:32 – Matching the Civic Arts Plaza parking structure height and optics07:33 – Can seven‑story buildings spread citywide in the future?08:31 – Who builds the project and how the RFP/RFQ process will work09:21 – What downtown could look like: park, splash pad, amphitheater, food hall10:48 – Business incubator vision: keeping youth and startups in Thousand Oaks12:17 – All‑in‑one mortgage explainer (principal-first “checking + mortgage” concept)15:37 – Will the city subsidize developers? TIF bonds and future financing17:53 – Traffic, parking, and environmental impact reports for new projects19:41 – Population actually falling while traffic still feels worse21:00 – Who’s leaving T.O. and why ages 25–50 matter so much22:00 – Rentals vs. for‑sale units and the struggle to build ownership options24:06 – Where new for‑sale homes may be built in Newbury Park24:13 – Key development sites: Kmart, Sanctuary, Amgen corner and more25:39 – State and federal pressure for affordable and mixed‑use projects25:39 – What “affordable housing” legally means vs. what residents think it means28:45 – Density bonuses and why 10% affordable became the local threshold29:36 – Why “affordable” rents can still be $2,300–$2,500 a month31:33 – Are these new units for local workers or commuters?33:14 – Employers’ challenge: hiring when workers can’t afford to live nearby34:00 – ADUs and why the mayor is more worried about them than big multifamily35:30 – “Open season” on ADUs and the impact on single‑family neighborhoods37:07 – Thousand Oaks Mall and Janss Mall: what’s next for struggling retail39:20 – Analog is back: why younger generations want in‑person experiences41:04 – “There’s nothing to do here”: sports complexes, Liberty Station, and ideas43:16 – Food halls, restaurants, and making downtown attractive to young families43:38 – Newbury Park: roads, aesthetics, overhead wires, and possible facelifts45:30 – Potential utility undergrounding and working with Edison47:04 – Jobs, commutes, and why diversification beyond Amgen matters49:07 – How businesses decide whether a city council is “investable”49:28 – Why Mikey ran for office and what four years in office have changed50:49 – Homelessness strategy: shelter first, treatment, and a 46% reduction52:49 – Crime at historic lows and why safety is non‑negotiable53:44 – Re‑election, family sacrifice, and what’s next politically53:58 – Staying a top‑10 safest city while adding thousands of units55:22 – Partnering with CLU and Hub 101 for entrepreneurship and jobs58:20 – How new rentals might (or might not) affect single‑family prices59:02 – City budget, surplus, and why Thousand Oaks runs very lean59:34 – Who actually runs the Civic Arts Plaza and how it’s structured59:57 – Caltrans, freeways, and what the city can and can’t control1:00:25 – Residents ask: any “fun” things coming? Cool restaurants, sushi, chefs1:02:00 – The missing rungs: starter housing and senior housing gaps1:03:33 – Converting struggling retail to living units over time1:04:10 – Mixed‑use challenge: multifamily operators aren’t always good at retail1:05:01 – Waiving fees? Land sales vs land leases and getting deals to pencil1:06:44 – How much city cash is earmarked for the project and what comes next1:08:10 – Why the city avoids debt and keeps taxes at the floor1:09:08 – The decline of neighborhood centers and the rise of walkable mixed‑use1:11:34 – Government’s role in pricing vs letting the market correct1:12:12 –...
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    1 ora e 13 min
  • How Top Agents Negotiate: Winning Deals in a “Weird” Market w/Katie Connelly :: Ep 28 Mortgage Wise with Mike Wise

    How Top Agents Negotiate: Winning Deals in a “Weird” Market w/Katie Connelly :: Ep 28 Mortgage Wise with Mike Wise
    Jun 26 2026
    The real estate market is “weird” right now – higher rates, high prices, and buyers and sellers stuck on the sidelines. In this episode, Mike Wise sits down with Ventura County Realtor of the Year and Real Estate Negotiation Expert, Katie Connelly, to unpack how smart agents are still winning great deals.Katie shares what she learned managing 200+ agents, how her military relocation and VA loan expertise helps service members build long-term wealth, and why negotiation is really about personality, tactical empathy, and structure – not just price. Mike also breaks down the “all-in-one” mortgage strategy that can shave years off a home loan and save hundreds of thousands in interest.If you’re a buyer, seller, or agent trying to navigate today’s market, this conversation gives you practical, real-world tactics you can use right now.Timed highlights:- 0:36 How Katie got started in real estate (and 10+ years in the business) - 1:36 Managing 200+ agents at a major brokerage - 2:09 Why Katie went back to full-time sales - 2:52 What top-producing agents do differently from “hobby” agents - 3:58 Breaking six figures during Covid while parenting - 4:41 Do certifications really matter to clients? - 5:08 Katie’s key designations explained (ABR, SRS, RENE, military relocation, forms) - 5:46 Serving military buyers and sellers in Ventura County - 6:38 Why VA loans are so powerful – and safer than people think - 7:42 Biggest risk with 100% financing (and relocations) - 8:03 Negotiation: lessons from “Never Split the Difference” - 8:50 Reading personalities and adapting your negotiation style - 9:23 Katie’s golden rule: “Both sides give more than they’re comfortable with” - 10:08 How Katie handles sellers who want above-market pricing - 10:49 Checks and balances: buyers, banks, appraisers and sellers - 11:28 Biggest mistake agents make at listing appointments (and commissions) - 11:56 The Walmart vs. Nordstrom analogy for agent value - 12:19 Using negotiation credentials as a listing advantage - 12:44 Standing firm vs. caving: what it signals to sellers - 13:05 Why Katie loves working with buyers and first-timers - 13:41 “No” is not the end of negotiations (inspection, as-is, concessions) - 14:13 How buyers use inspections to decide whether to walk away - 14:56 Emotional buyers, leverage, and not showing your hand - 15:29 Local hot-button negotiating issues in Ventura County (repairs, ordinances) - 16:05 Sewer laterals, AB-38 and wildfire hardening requirements - 16:10 Why experience and deep forms knowledge really matter - 17:23 1,800 forms and almost being “part attorney, part advisor” - 17:51 Where AI helps – and where it can seriously mislead clients - 18:27 Why you still need a human fiduciary, not just ChatGPT and Google - 19:06 How Katie uses AI (and why she still fact-checks everything) - 19:12 Explaining principal-first and the all-in-one mortgage - 20:22 How traditional 30-year loans front-load interest - 22:48 Funniest/strangest things Katie has seen in homes (guns, tarps and more) - 24:36 Sellers’ top objections to listing right now - 25:07 Interest rates vs. bidding wars: which is really worse? - 25:54 Why buyers actually have more options now - 26:26 Why rates probably aren’t dropping dramatically anytime soon - 27:07 Using seller credits to buy down rates instead of “waiting for later” - 27:38 Rent-control ordinances and why rents still keep rising - 28:09 30-year fixed as an “inflation buster” vs. rent increases - 28:41 Refinancing wins: lowering payments and “giving yourself a raise” - 29:22 Stretching to buy in California – and why it often pays off - 29:33 Lifestyle changes, raises, inheritances and long-term affordability - 29:51 Sellers stuck because of ultra-low rates – and how to move anyway - 30:19 Trading a big house for better quality of life (and using equity) - 31:43 How structure and creativity in lending can change the whole picture - 32:38 Why some listings fly and others sit for 60–90 days - 33:03 What’s selling now: move-in ready homes vs. projects and condos - 33:32 Investor behavior and buying “right” in this cycle - 33:50 NAR chief economist Lawrence Yun’s price projections - 34:36 Could median Ventura County prices hit $2M by 2050? - 35:06 Experiences vs. ownership: how younger buyers think - 35:52 Early 20s homebuyers and the return of the mall - 36:36 Starter homes in your 20s vs. lifestyle homes in your 40s - 37:23 Remote work, geography and moving to more affordable markets - 38:03 Introducing the All-In-One Loan concept - 38:17 How pairing a line of credit with your checking pays down principal faster - 40:42 Common borrower objections and why this loan is so different - 40:56 25 years of performance: no delinquencies, no foreclosures - 41:41 Why the 30-year fixed was created in the ...
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    45 min
  • Mortgage Lock-In, Housing Shortage & Smart Debt: Mayor Mikey Taylor on Real Estate Reality

    Mortgage Lock-In, Housing Shortage & Smart Debt: Mayor Mikey Taylor on Real Estate Reality
    Jun 9 2026

    Mayor of Thousand Oaks and real estate investor Mikey Taylor joins Mortgage Wise with Mike Wise to break down what’s really happening in today’s housing market. From California’s aggressive housing mandates and the “builder’s remedy” to interest rate whiplash, the lock-in effect, and why younger generations view homeownership differently, this episode digs into the emotional and financial side of real estate decisions.

    They also unpack financial freedom, passive income, and why treating your home as an investment can backfire emotionally. In the final segment, Mike walks through the All-In-One loan strategy that turns your mortgage into a flexible line of credit, giving investors more control over equity and cash flow.

    Perfect for homeowners, first-time buyers, investors, and anyone trying to make sense of housing, rates, and long-term wealth building.

    Timed Highlights:

    00:21 – Meet Mayor Mikey Taylor of Thousand Oaks
    01:09 – How the mayor role works and why it’s so demanding
    02:08 – What Commune Capital does for passive real estate investors
    02:49 – Why 1031 exchanges are tough with ground-up development
    04:08 – State housing mandates, builder’s remedy, and loss of local control
    05:50 – Where do you put 3,000 new units in a built-out city?
    06:22 – New developments, traffic concerns, and ADUs
    08:06 – Population decline in Thousand Oaks and 25-year growth outlook
    09:17 – Pivot to interest rates, inflation, oil, and geopolitical conflict
    11:08 – Will rates actually come down in the next 6–12 months?
    11:41 – Monetary policy, money printing, and “short-lived” inflation shocks
    12:00 – Glenn Beck’s “cancer and chemo” analogy for the economy
    13:01 – The real problem: prices vs. rates and lack of a housing reset
    14:04 – The lock-in effect: why nobody wants to give up a 2–3% mortgage
    15:05 – Structural lack of housing supply and decades of underbuilding
    16:25 – Population growth vs. housing growth: the basic math
    17:14 – Austin, overbuilding, and why different markets behave differently
    17:33 – Record home equity and why this isn’t 2008
    18:00 – History of the 30-year fixed mortgage and global comparisons
    18:32 – Should the U.S. move to 5- or 7-year loans?
    18:43 – What the Fed got wrong with 0% rates and cheap money
    20:07 – What is a “healthy” mortgage rate? Mikey’s target range
    21:22 – If rates drop, do prices have to go up? Mikey’s contrarian take
    22:49 – Long-term housing appreciation and why this cycle is different
    23:21 – How younger buyers think: rent vs own vs invest
    24:41 – Freedom, flexibility, and why some prefer renting and investing
    25:45 – Living with parents, affordability pressure, and trade-offs
    26:07 – The math of owning vs renting in Southern California
    27:27 – Why California behaves differently than the rest of the country
    28:33 – Regulation, land constraints, and investor hesitation in CA
    29:24 – Landlord headaches, regulation, and short-term rentals
    30:01 – Generational attitudes: home as dream vs home as burden
    32:11 – Is your home an investment or just a home? The emotional trap
    33:52 – When remodeling math kills joy: the wrong calculation
    34:23 – Why so much net worth is trapped in home equity
    35:35 – The problem with “house + 401(k)” as your only plan
    36:16 – Redefining financial freedom and passive income
    37:31 – Using your job to buy assets that pay you
    38:23 – Why paying off your mortgage isn’t always the best move
    39:02 – Sacrifice vs lifestyle: young people and investing early
    39:13 – Trump accounts for kids and how to use them wisely
    40:00 – Compound growth, options, and planning for your kids’ future
    40:43 – Break: explainer on the All-In-One loan concept
    44:33 – Back from break: how the All-In-One loan actually works
    45:06 – Why Mikey likes the flexibility of the All-In-One structure
    46:08 – Using cheap debt vs tying up cash in your home
    47:25 – The spread: borrowing costs vs returns from investments
    48:33 – Killing “lazy money” and making idle cash work
    48:58 – How investors use the All-In-One loan on rentals
    49:08 – Why investors value options and flexibility above all
    49:40 – Unlocking equity up to 80% and redeploying capital
    50:02 – Mikey’s final months as mayor and his re-election campaign
    50:31 – Support from realtors and community relationships
    50:48 – Closing thoughts and invitation to invest with Commune Capital

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    51 min
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