• Buybacks, Breakdowns & Borrower Stress: What’s Really Going On in Lending Right Now
    2025/06/12
    In this eye-opening episode, Nicole and Tony go behind the scenes of the lending and real estate world to talk about why the mortgage process feels harder than ever right now—and what you can do to navigate it like a pro. From skyrocketing loan buybacks and underwriter nitpicking to the power of knowing your numbers and ditching the shame around money conversations, they break it all down in a way that's smart, real, and actionable 00:00Introduction and Overview of Current Market Conditions 02:57 Challenges in Loan Underwriting and Documentation 06:06 The Impact of Fannie and Freddie's Buybacks 08:56 Real Estate Market Trends and Shifting Dynamics 12:00 Understanding the Condo Market and Its Challenges 14:51 The Importance of Pre-Approval and Financial Consultation 18:05 Navigating the Home Buying Process 21:01 Overcoming Financial Fears and Stigmas 24:00 The Future of the Real Estate Market and Buyer Opportunities 31:24 Understanding Debt and Financial Priorities 34:30 The Importance of Financial Education 37:33 Teaching Kids About Money Management 39:44 Making Your Money Work for You 42:15 The Value of Home Ownership 44:32 Setting Goals for Financial Success 47:27 The Role of Financial Advisors 51:35 Choosing the Right Financial Guidance
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    44 分
  • Raising the Roof: Real Talk on Inspections, Insurance & Industry Insights with Angela Grunst
    2025/06/05

    In this episode of Behind the Closing Door, hosts Nicole Giamundo and Tony Carnesi welcome Angela Grunst from Roof Brokers to discuss the critical aspects of roofing in real estate. They explore the importance of roof inspections for sellers, the services provided by Roof Brokers, current trends in roofing and insurance, challenges faced during installations, and proactive steps homeowners should take after hailstorms. The conversation emphasizes the need for education among homeowners regarding roofing issues, insurance claims, and HOA implications. Angela shares her insights on the roofing industry and the importance of maintaining good relationships with real estate professionals.

    Chapters

    00:00 Introduction to the Podcast and Guest
    02:37 Understanding Roof Considerations for Sellers
    05:53 Services Offered by Roof Brokers
    09:22 Trends in Roofing and Insurance Challenges
    14:38 The Impact of Solar Panels on Roofing
    18:54 Challenges in Roofing Installations
    21:27 The Importance of Education for Homeowners
    24:36 Proactive Steps After a Hail Storm
    25:59 Understanding Insurance Claims After a Storm
    31:16 Navigating the Claims Process: Timing and Strategy
    36:58 The Impact of HOAs on Roof Insurance and Costs
    41:06 Why Roofs on Condos Are More Expensive
    46:07 Future Focus: Adapting to Market Changes

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    43 分
  • The T Word
    2025/05/15

    In this episode, Nicole Giamundo and Tony Carnesi discuss the current state of the real estate market, focusing on the impact of tariffs, regional market differences, and the challenges in construction and rental markets. They explore how rising costs and interest rates affect homebuyers and landlords, emphasizing the importance of equity in real estate investments. In this conversation, Tony Carnesi and Nicole Giamundo discuss the importance of equity in real estate, effective client communication through the H5 approach, and the significance of asking the right questions to understand client needs. They emphasize the need to seize opportunities in a shifting market and prepare for changes ahead, highlighting the importance of connection and empathy in the real estate profession.

    Schedule a free consultation with Nicole -- nicole@giamundohomeloans.com

    Schedule a free consutlation with Tony -- tonyjcarnesi@gmail.com

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    45 分
  • Hustle, Heart, and Homes with Corey Martin
    2025/05/08

    In this episode of 'Behind the Closing Door', hosts Nicole Giamundo and Tony Carnesi engage with Corey Martin, a seasoned real estate agent, discussing his journey into the industry, the importance of follow-up, and building relationships with clients. Corey shares insights on community engagement, his transition to running his own business, and effective time management strategies that allow him to balance work and family life. The conversation also touches on current market challenges and the significance of maintaining connections with clients. The conversation delves into the current challenges in the housing market, focusing on affordability, financial management, and the importance of skilled agents. The speakers discuss the difficulties faced by both current homeowners and first-time buyers, emphasizing the need for strategic financial planning and the role of experienced agents in navigating the market. They also share insights on effective negotiation tactics and the significance of social media in building a real estate business.

    Schedule a free consultation with Nicole -- nicole@giamundohomeloans.com

    Schedule a free consutlation with Tony -- tonyjcarnesi@gmail.com

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    53 分
  • Real Talk, Real Estate with Lynn Goetz
    2025/05/01

    In this episode of Behind Closed Doors, Tony Carnesi and Nicole Giamundo interview Lynn Goetz, a seasoned realtor with over 21 years of experience. Lynn shares her journey into real estate, her leadership roles, and insights into the current state of the real estate market, particularly focusing on builder-realtor relationships, challenges in new construction, and the impact of interest rates on buyers. The conversation highlights the importance of relationships in real estate and the evolving dynamics between builders and realtors. In this conversation, the speakers discuss the current state of the real estate market, emphasizing the importance of education for buyers and the need for realtors to adapt to changing conditions. They highlight the significance of building relationships with builders and collaborating within the industry to navigate challenges. Financial conversations are deemed crucial for helping clients make informed decisions, and the speakers stress the need for transparency and support among real estate professionals.

    Schedule a free consultation with Nicole -- nicole@giamundohomeloans.com

    Schedule a free consutlation with Tony -- tonyjcarnesi@gmail.com

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    43 分
  • Ready, Fire, Aim – Action, Mindset & Mortgage Mastery with Phil Treadwell
    2025/04/24

    In this episode, Nicole and Tony sit down with Phil Treadwell—mindset coach, podcast pro, and founder of M1 Academy—for a deep dive into what it really takes to grow in today’s mortgage and real estate space.

    They talk about:

    • How Phil launched his podcast from the ground up

    • The importance of creating content that actually connects

    • Why taking action beats waiting for perfect timing (hello, “Ready, Fire, Aim”!)

    • Using mindset, motivation, and affirmations to fuel long-term success

    Phil also shares the mission behind M1 Academy and what’s ahead in 2025 as the industry evolves. If you’re a mortgage or real estate pro looking for clarity, momentum, and a little kickstart—this one’s packed with gold.

    BE IN THE ROOM WHERE GROWTH HAPPENS: M1A Mastermind Group

    Schedule a free consultation with Nicole -- nicole@giamundohomeloans.com

    Schedule a free consutlation with Tony -- tonyjcarnesi@gmail.com

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    44 分
  • Cracking the HOA Code -- Fees, Fixes and Financial Fallout
    2025/04/24

    In this episode, Nicole Giamundo and Tony Carnesi break down what’s really going on behind the rising HOA fees and how deferred maintenance can hit both buyers and sellers hard.

    They chat about:

    • Why HOA fees are climbing

    • What special assessments actually mean (and why they matter)

    • How neglected maintenance impacts home values

    • Real-life stories from homeowners navigating tricky HOA situations

    Nicole and Tony also touch on rising insurance costs, the true value of amenities, and why it’s so important for homeowners to understand what they’re paying for—and to stay involved in their communities.

    Whether you’re buying, selling, or just trying to survive your next HOA meeting, this episode’s for you.

    Schedule a free consultation with Nicole -- nicole@giamundohomeloans.com

    Schedule a free consutlation with Tony -- tonyjcarnesi@gmail.com

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    45 分
  • Real Talk on Sales, Strategy & Shifting Markets
    2025/04/24

    In this episode, Nicole Giamundo and Tony Carnesi get real about their journeys in the mortgage and real estate world—what’s changed, what’s stayed the same, and the lessons that keep them moving forward.

    They dive into:

    • Why financial literacy is a must-have for today’s buyers

    • The power of going back to the basics in sales and lead generation

    • How rising rates, cash buyers, and the post-COVID market are reshaping the industry

    • The role of consistency, connection, and database maintenance in long-term success

    Looking ahead to 2025, they share real-world strategies to help you stay persistent, get out of your comfort zone, and build better partnerships. Whether you're brand new or a seasoned pro, this episode brings practical advice and motivation to keep you sharp.

    Schedule a free consultation with Nicole -- nicole@giamundohomeloans.com

    Schedule a free consutlation with Tony -- tonyjcarnesi@gmail.com

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    37 分