Beyond the Grant: The Real Costs of Down Payment Assistance Programs

In this episode of The Relentless Edge, Host & Broker/Owner Pablo Galarza sits down with Mark Santoyo, Co-Founder of Homeworke Inc., to break down how this innovative platform is transforming the way homeowners manage projects. From streamlining home tasks to empowering realtors and offering value to sellers, Homeworke is becoming the ultimate one-stop shop for everything home-related. Tune in to learn how this tool is reshaping the homeowner experience and why it’s set to change the game!

On this episode of The Relentless Edge – A Realtor Podcast, Host & Broker Owner Pablo Galarza of C21 New Beginnings sits down with Maggie Martinez of Rate Mortgage to break down the power of DSCR loans for investors ready to scale. They dive into the benefits, the process, and what it really takes to step into the flipping world. If you’re looking to grow your real estate portfolio, this one's for you!Maggie Martinez Loan Originator Rate [email protected] (708) 572-0657

In this powerful episode of The Relentless Edge: A Realtor Podcast, host and broker-owner Pablo Galarza of C21 New Beginnings sits down with immigration attorney Salvador Cicero to discuss the alarming ICE raids taking place across Chicagoland. From knowing your rights to understanding the injustices behind these actions, this conversation empowers every listener — citizen or not — to stand informed and united.Together, we choose knowledge over fear — and unity over division.

On this episode of The Relentless Edge: A Realtor Podcast, Host & Broker/Owner Pablo Galarza of Century 21 New Beginnings sits down with Saul Pinela, one of Illinois’ top IHDA loan originators with Neighborhood Loans, to unpack how recent immigration reform raids have sparked fear across Chicago—especially for those with work permits hoping to buy a home. 🏡They break down what this means for buyers, what lenders are looking for, and the steps you can take today to still qualify and move forward with confidence.👉 Tune in to learn how knowledge and preparation can turn fear into opportunity!

En este poderoso episodio de The Relentless Edge: A Realtor Podcast, el anfitrión y corredor/propietario Pablo Galarza de C21 New Beginnings conversa con el abogado Salvador Cicero para revelar la verdad detrás de las recientes redadas de ICE que están ocurriendo en Chicago y los suburbios cercanos.Seas ciudadano estadounidense o no, esta es información vital sobre tus derechos, cómo responder si te enfrentas a agentes de inmigración y las injusticias que están afectando a nuestras comunidades.Juntos elegimos el conocimiento sobre el miedo — y la unidad sobre la división. 💪🏽#TheRelentlessEdge #C21NewBeginnings #ConoceTusDerechos #ComunidadUnida

In this powerful episode of The Relentless Edge: A Realtor Podcast, host and broker-owner Pablo Galarza of C21 New Beginnings sits down with attorney Salvador Cicero to discuss the alarming ICE raids taking place across Chicagoland. From knowing your rights to understanding the injustices behind these actions, this conversation empowers every listener — citizen or not — to stand informed and united.Together, we choose knowledge over fear — and unity over division.

On this episode of The Relentless Edge: A Realtor Podcast, Host & Broker/Owner Pablo Galarza of Century 21 New Beginnings sits down with Saul Pinela, one of Illinois’ top IHDA loan originators with Neighborhood Loans, to unpack how recent immigration reform raids have sparked fear across Chicago—especially for those with work permits hoping to buy a home. 🏡They break down what this means for buyers, what lenders are looking for, and the steps you can take today to still qualify and move forward with confidence.👉 Tune in to learn how knowledge and preparation can turn fear into opportunity!

On this episode of The Relentless Edge: A Realtor Podcast, host and broker-owner Pablo Galarza of Century 21 New Beginnings sits down with one of Illinois’ top IHDA loan originators, Saul Pinela of Neighborhood Loans. 💪🏡They dive into why IHDA and down payment assistance programs continue to change lives, who they help most, and the mindset that’s fueled Saul’s incredible success in the mortgage industry.✨ Whether you’re a new homebuyer or a fellow real estate pro, this conversation is packed with inspiration, insight, and a reminder that the road to homeownership starts with the right team.#TheRelentlessEdge #RealEstatePodcast #HomeownershipJourney #IHDA #DownPaymentAssistance

On this episode of The Relentless Edge: A Realtor Podcast, Pablo Galarza sits down with Dan Rogers of Rate Mortgage to unpack the real pros and cons of down payment assistance programs. From the hidden fine print to the benefits that can help buyers step into homeownership faster, Dan breaks down what every buyer (and even some agents) need to know before signing on the dotted line.👉 Whether you’re a first-time homebuyer or a real estate professional, this conversation is packed with insights you won’t want to miss!

In this episode of The Relentless Edge: A Realtor Podcast, host Anthony Lopez sits down with James Becker of Guild Mortgage to dive into his inspiring journey through the real estate industry. James shares what sparked his passion for lending, the challenges that shaped his career, and the drive that keeps him moving forward. Together, they discuss valuable insights for anyone thinking about stepping into the market, offering encouragement and advice for those still “on the fence” about buying a home. Whether you’re a first-time buyer, an agent, or simply curious about the lending world, this episode delivers motivation, perspective, and the edge you need to take that next step.