The Silent Trap of 50-Year Fixed Mortgages

Zillow says you're their client, but did you ever agree to that? In today's episode, Robert Arauco pulls back the curtain on how real estate data is being sliced, sold, repackaged, and leveraged against both consumers and REALTORS®. He and Leigh dig into what agents must understand about the new data battlefield, how to protect your clients' privacy, and why owning your tech is the new competitive edge.   Key takeaways to listen for One simple habit to use the tech you already pay for The problem with Zillow, Redfin, and who owns your clicks Can AI follow Fair Housing rules and who's training it? How to reframe the "I already use Zillow" conversation What happens to MLS data if the industry fractures?   Resources mentioned in this episode AI Will Never Replace a Great Negotiator with Tim Burrell   If you want to see what consumer-trusted, agent-protected tech looks like in the real world, download Leigh's One Community Real Estate® app here: 👉 https://qrco.de/onecommunity Or, if you're an agent ready to build your own branded, data-safe mobile app, book a call with Robert for a special 30% discount using this link: 👉 https://calendly.com/homestackapps/your-real-estate-app-intro-zoom-lb   About Robert Arauco Robert Arauco is the Executive Vice-President of Sales at HomeStack, a tech company empowering real estate agents with customizable mobile apps. With a background in digital marketing and a passion for privacy-first solutions, Robert helps agents build stronger client relationships through branded tech tools that prioritize data protection, personalization, and modern communication.   Connect with Robert Website: HomeStack Instagram: @hancho08 | @homestackapps LinkedIn: Robert Arauco | HomeStack YouTube: HomeStack Facebook: HomeStack Email: [email protected]  Contact Number: (949) 357-0454    Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.

Strong negotiation is still a human game, even in an AI-powered world. In this episode, Tim Burrell breaks down how the rise of digital communication and artificial intelligence is reshaping real estate negotiation, for better and worse. From smart prompts to smarter relationships, he explains why tech can boost your prep, but only empathy and emotional intelligence close the deal. Listen in to learn how to lead with people skills while staying tech-savvy!   Key takeaways to listen for Why AI can't replace emotional intelligence in real estate The negotiation missteps agents still make in digital spaces How strong relationships drive client satisfaction and repeat business What AI tools can do to help you prepare, research, and respond Why empathy and timing still win over automation   Resources mentioned in this episode The AI Negotiator by Tim Burrell National Association of REALTORS® ChatGPT Claude Prompt Cowboy Perplexity   Want to learn how to write better prompts? Email Tim at [email protected] with the subject line SUPER PROMPT.   About Tim Burrell Tim is a veteran real estate professional with more than 36 years of experience in the industry. Based in Raleigh, North Carolina with RE/MAX United, Tim brings a diverse background as a broker, general contractor, former attorney, author, and negotiation educator.   A second‑generation real estate professional, he has built a career around improving how realtors communicate and collaborate. Tim now focuses on elevating negotiation skills across the industry through his books, continuing‑education courses, and practical training on integrating AI responsibly into modern real estate practice.   Connect with Tim Website: Negotiating Consultant YouTube: Tim Burrell Facebook: Tim Burrell Email: [email protected] Contact Number: 919-812-5111   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.

Leigh Brown pulls back the curtain on the headlines shaping America's housing crisis. From 50-year mortgages and exploding insurance costs to hedge funds, foreign land ownership, and eroding property rights, she breaks down what's really driving prices and why "solutions" from banks and politicians might be making things worse. If you're serious about homeownership, investing, or just keeping the American Dream alive, this Real Talk is a must-listen.   Key takeaways to listen for Why a 50-year mortgage boosts demand and pushes prices up, not down How cheap-payment culture traps buyers in long-term debt The real impact of exploding insurance premiums and reinsurance costs How hedge funds and corporate owners shape today's housing market Why property rights are quietly shifting and what that means for homeowners   Resources mentioned in this episode Under All Is The Land - YouTube National Association of REALTORS® USAspending   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.  

After facing a life-altering health crisis, Michael Zinskie found himself starting over, personally and professionally. With raw honesty and a touch of humor, he shares how vulnerability, community, and sheer persistence helped him rebuild both his confidence and his business. Tune in for a conversation that might just shift how you think about success, support, and second chances.   Key takeaways to listen for Why real estate success requires community, not isolation How seizures, fear, and medication almost took Mikey out of the business The power of showing up and letting others help you rebuild What real vulnerability with clients really looks like A wild accusation at a showing that changed how Mikey works forever   Resources mentioned in this episode Aflac Golden Isles Association of REALTORS   About Michael Zinskie Mikey is a dedicated REALTOR® serving Brunswick, Georgia, and the surrounding coastal area. He launched his real estate career in North Carolina in 2005 before ultimately returning to his hometown roots. After facing and overcoming significant health struggles that temporarily put his business and independence on hold, Mikey rebuilt his career with the help of strong family bonds and community support.    Known for his honesty, warmth, and collaborative approach, Mikey brings compassion and real-life perspective to his clients, helping people navigate both real estate transitions and life's tougher moments with unwavering commitment.   Connect with Michael Instagram: @michaelzinskie Facebook: Michael Zinskie Email: [email protected] Contact Number: (912) 602-0839   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.  

Is a 50-year mortgage really a step toward affordable housing or just a longer path to debt? In this rapid-fire solo episode, I'll break down why this proposed fix might cause more harm than good. Hit play to rethink what "affordable" really means.   Key takeaways to listen for Why 50-year mortgages are more about appearances than true affordability How policy changes can unintentionally inflate home prices What debt "ownership" really looks like over five decades   Resources mentioned in this episode Under All Is The Land - YouTube Debt Clock Mortgages - NerdWallet   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.  

What happens when two of real estate's most outspoken truth-tellers stop tiptoeing and start saying the quiet part out loud? Buckle up. Leigh Brown and Rob Hahn dive into the conversations the industry avoids—crime, public safety, fair housing realities, failing cities, the MLS shake-up, and what it really means to be a REALTOR® in a post-settlement era. This crossover episode from Under All Is The Land is raw, unfiltered, and guaranteed to challenge the way you think about your role, your industry, and your duty to the communities you serve. If you care about the future of real estate—or the future of your city—this is the episode you share. 👉 Enjoy the full conversation right here on Real Talk, and then make sure you subscribe to @UnderAllPodcast so you don't miss the bold, uncensored episodes Leigh and Rob release next. 🔗 https://www.youtube.com/@UnderAllPodcast   Key Moments You Don't Want to Miss Why REALTORS® MUST talk about crime and how silence harms communities Is REALTOR® a calling or a commodity? The hard truth about MLS access, value, and what comes next What the Fair Housing Act really protects and what it doesn't Why advocacy has to mean more than taxes and 1031s How patriotism, professionalism, and community protection collide in today's market   Resources mentioned in this episode The Code of Ethics Undercover investigation reveals evidence of unequal treatment by Long Island real estate agents - Newsday Civil Rights Division | The Fair Housing Act   About Rob Hahn Rob focuses on Associations, Multiple Listing Services, and Technology. With a profound love for the real estate industry, Rob has been challenging the status quo and empowering companies to operate beyond ordinary commerce.   Follow Rob YouTube: Under All Is The Land X: @robhahn   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.  

Estate planning isn't just about money, it's about protecting the people you love. In this episode, we sit down with Atty. Lin Wang for a candid conversation about what really happens when families don't plan ahead. From trusts and guardianship to the hidden costs of probate, you'll walk away with questions you didn't know you needed to ask. Listen in to uncover what's at stake and what you can still do about it.   Key takeaways to listen for Reasons probate can be more costly than most people realize What really drives family conflict after someone dies The key difference between revocable and irrevocable trusts How trusts can protect your assets from lawsuits or creditors Why naming a guardian for your kids is one of the most urgent decisions you can make   About Atty. Lin Wang Atty. Lin is an experienced attorney specializing in asset planning, including trusts and wills. With over seven years of practice, she works at a law firm licensed in 24 states, providing expert guidance on estate planning, probate avoidance, and asset protection. She is dedicated to helping clients navigate complex family and legal situations, ensuring their assets are managed and transferred according to their wishes with privacy and efficiency.   Connect with Atty. Lin Email: [email protected] Contact Number: 612-231-2060   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.  

Mike Stubbs went to war at 18 and came back with medals, scars, and stories most never hear. In this episode, he opens up about a moment that changed his life and the decades-long mission that followed, plus we'll shed light on the parts of military service that don't make the history books. Listen in for a raw, real conversation that honors courage, connection, and the fight to be remembered.   Key takeaways to listen for What the Purple Heart really means Why Mike volunteered for Vietnam and what happened the day he was shot The story behind Mike's Silver Star and how it was nearly forgotten What it meant to serve as a tunnel rat in Vietnam Mike's out-of-body experience that changed everything   Resources mentioned in this episode Queen City Honor Flight VA Home Loans in 2025: Myths, Facts, and Game-Changing Updates with John Bell III Rebuilding Hope: How the VA Supports Veterans After Disasters – A Conversation with John Bell 364 - VA Home Loan with Executive Director, Mr. John Bell III June 17, 1967: The Battle of Xom Bo II by David J. Hearne   About Mike Stubbs Mike is a highly decorated combat veteran of the Vietnam War, serving as a Machine Gunner and Tunnel Rat with the 2nd Battalion/28th Infantry/1st Infantry Division. A committed veterans advocate, he currently serves as Commander of MOPH Combat Wounded Veterans Chapter 634 and is a Board Member for Queen City Honor Flight. Stubbs' dedication has been recognized with significant honors, including the MOPH National Patriot of the Year (2014-2015) and induction into the North Carolina Military Veterans Hall of Fame Class of 2018. He continues to live the values learned in service by leading and supporting his fellow Veterans.   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.  

Tara Mychelle doesn't just walk into homes, she listens to them. In this episode, she chats with us to share how intuition, empathy, and unseen energy can shape what happens in real estate. Tune in and you'll never look at a "stuck" listing the same way again!   Key takeaways to listen for How emotional energy can affect the sale of a home Why certain homes feel "off" and how to clear that energy The role of intuition in guiding both buyers and agents How Tara blends biotech and spiritual consulting in her practice What agents can do to help homeowners move forward emotionally   Resources mentioned in this episode Stonewall Jackson House | AMERICAN HERITAGE   About Tara Mychelle Tara is the founder of Soul'd Spaces, a company that blends real estate expertise with energy alignment to help homes sell faster and feel more harmonious. With over 25 years in real estate and more than two decades of experience in energy work, Tara bridges the practical and spiritual sides of home transitions. Through Soul'd Spaces, she helps clients achieve alignment so their homes and lives move forward with intention and transformation.   Connect with Tara Website: Soul'd Spaces Podcast: Rooted & Rising: Stories of Transformation, Intuition, and Soul-Led Healing Instagram: @souldspaces Email: [email protected]   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.

What happens when a real estate investor turns AI strategist? From content to client care, Alejandra Teran chats with us to share how AI is already transforming the business. If you're wondering how to use AI without losing your voice (or your value), this conversation is your starting line.   Key takeaways to listen for Why agents who resist AI are about to fall behind What "training a GPT" actually means, and how it can save you hours every week Surprising ways AI is reshaping how buyers and sellers find and trust agents Common mistakes agents make with AI tools Real examples of how to use AI in real estate   Resources mentioned in this episode Perplexity ChatGPT   About Alejandra Teran Alejandra is an AI advisor, digital transformation leader, and Salesforce expert with over 25 years of experience helping organizations leverage technology for growth and efficiency.  She empowers professionals to use AI as a superpower, saving time, boosting productivity, and scaling smarter through strategic consulting, training, and automation. Alejandra is also the founder of 10X Cloud Value, a Salesforce consultancy maximizing ROI, and an AI-powered eCommerce venture.   Connect with Alejandra Website: Chief AI Wiz LinkedIn: Alejandra T. - 10X Cloud Value TikTok: @chiefaiwiz Instagram: @chiefaiwiz YouTube: Alejandra Teran - Chief AI Wiz Email: [email protected]   Connect with Leigh Please subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.