The Falls Home Front Podcast

Tim Lockhart

Welcome to The Falls Home Front—your go-to podcast for real estate, business, and life in Wichita Falls and North Texas. Hosted by Tim Lockhart, retired Air Force officer, REALTOR®, and trusted strategist, we bring you weekly conversations with local leaders, entrepreneurs, and cultural voices shaping our region. From market insights and investment tips to community events and success stories, discover why North Texas is one of the best places to live, work, and thrive.

  1. 6 days ago

    Foreclosure Options Before It's Too Late

    🚀 Foreclosure isn't your only option. If you're behind on your mortgage, understanding your options early could save your credit, your finances, and your future. In this episode, Tim Lockhart sits down with distressed real estate specialist John Culbertson, who shares over 30 years of experience helping homeowners navigate short sales, loan modifications, and foreclosure alternatives. They explain why banks often prefer short sales, what happens after you miss mortgage payments, and why taking action early gives you the most options. 🎧 Hosted by: Tim Lockhart 👤 Guest: 🏡 John Culbertson – Distressed Real Estate Specialist  John Culbertson is a distressed real estate specialist with over 30 years of experience navigating short sales, pre-foreclosure solutions, and financial hardship strategies. He collaborates with Realtors, investors, and attorneys to structure practical, high-impact solutions for complex real estate transactions. 💡 What You’ll Learn: ✔️ The real difference between a short sale, foreclosure, and deed in lieu - and which one protects your credit ✔️ Why banks often lose less money on a short sale and are motivated to negotiate ✔️ How long you realistically have after missing a payment (and how fast that window closes) ✔️ What to do the moment a notice of trustee sale arrives, even with just three weeks left ✔️ Whether you'll owe taxes or face a deficiency judgment after a Texas short sale ✔️ How to build the right team - realtor, attorney, tax advisor - before you negotiate  🎮 Watch now for expert insights! 📄 Free Resource Download John's FREE 30-Day Preforeclosure Action Plan: 👉 https://lp.constantcontactpages.com/sl/a0W1U1w This step-by-step checklist will help homeowners organize important documents, understand their available options, and prepare for conversations with lenders, REALTORS®, and legal professionals. 💼 Connect with John Culbertson: 📘 Facebook → https://www.facebook.com/profile.php?id=61591315328474 📄 Request John's 30-Day Preforeclosure Action Plan directly or download it using the free link above 🎧 Follow Tim Lockhart: 🌐 Website → https://timlockharthomes.com/ 📸 Instagram → https://www.instagram.com/tim.lockhart.18/ 🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/ #FallsHomeFront #TimLockhart #WichitaFallsRealEstate #NorthTexasRealEstate #MilitaryRelocation #VALoans #KellerWilliams #VeteranRealtor #TexasRealEstate #MilitaryFamilies

    Foreclosure Options Before It's Too Late

  2. 29 Jul

    How to Remodel Your Home Without Wasting Money

    🚀 Should you renovate your current home or start fresh with a new one? In this episode of The Falls Home Front, host Tim Lockhart sits down with Cameron Turnquist, owner of Arrowhead Builders, to discuss the financial and lifestyle benefits of remodeling, how to choose the right contractor, and why preventative home maintenance can save homeowners thousands of dollars. Cameron also shares his journey from Plano to Wichita Falls, his passion for craftsmanship, and practical advice for anyone planning a renovation or custom home project. 🎧 Hosted by: Tim Lockhart 👤 Guest: 🏡 Cameron Turnquist – Owner, Arrowhead Builders Cameron Turnquist is the owner of Arrowhead Builders LLC in Wichita Falls, Texas. With 15 years of residential construction experience, he specializes in custom homes, speculative builds, and large-scale renovations, bringing premium craftsmanship and hands-on local expertise to every design-build project. 💡 What You’ll Learn: ✔️ When remodeling makes more financial sense than moving ✔️ Which home improvement projects deliver the best return on investment ✔️ How to choose the right contractor and avoid costly mistakes ✔️ Why preventative home maintenance protects your biggest investment ✔️ What the design-build process is and why it simplifies remodeling projects ✔️ How Wichita Falls' housing market is shaping future remodeling trends 🎵 Whether you're an investor, agent, or homeowner planning your next renovation, this episode offers valuable insights! 💼 Connect with Cameron Turnquist: 🌐 Website → http://arrowheadbuilderswf.com/ 📸 Instagram → https://www.instagram.com/camturny/ 📘 Facebook → https://www.facebook.com/cameron.turnquist/ 🔗 LinkedIn → https://www.linkedin.com/in/cameron-turnquist-5a8989162/ 🎧 Follow Tim Lockhart: 🌐 Website → https://timlockharthomes.com/ 📸 Instagram → https://www.instagram.com/tim.lockhart.18/ 🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

    How to Remodel Your Home Without Wasting Money

  3. 22 Jul

    How Smart Homebuyers Spot Risks Before the Inspection

    🚀 Buying a home is one of the biggest financial decisions you'll ever make—but are you aware of the hidden risks that a standard home inspection may miss? In this episode of The Falls Home Front, host Tim Lockhart sits down with Albert Slap, President and Co-Founder of Risk Footprint, to discuss how natural hazards, flood risks, hail, tornadoes, hurricanes, and other environmental factors can impact your investment. Learn why due diligence should begin before signing a purchase agreement and discover practical ways homeowners can better protect their properties. 🎧 Hosted by: Tim Lockhart 👤 Guest: Albert Slap – President & Co-Founder, Risk Footprint Albert Slap is the President and Co-Founder of RiskFootprint™, a geospatial technology and risk-analytics company providing comprehensive natural-hazard assessments for U.S. properties. A former environmental attorney with over four decades of experience, he leverages commercial-grade due diligence to protect homebuyers and institutions alike, and serves as a recognized voice in shaping national property resilience standards. 💡 What You'll Learn: ✔️ Why traditional home inspections often overlook critical property risks ✔️ How flood, hail, tornado, wildfire, and wind risks affect homeownership ✔️ Why FEMA flood maps don't tell the complete story ✔️ Affordable home improvements that can reduce environmental risks ✔️ Why every buyer should evaluate property risks before signing a contract 🎵 Whether you're an investor, agent, or homebuyer, this episode offers valuable insights! 💼 Connect with Albert Slap: 🌐 Website → https://riskfootprint.com/ 👤 Facebook → https://www.facebook.com/coastalrisk 🔗 LinkedIn → https://www.linkedin.com/company/riskfootprint/ 🎧 Follow Tim Lockhart: 🌐 Website → https://timlockharthomes.com/ 📸 Instagram → https://www.instagram.com/tim.lockhart.18/ 🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

    How Smart Homebuyers Spot Risks Before the Inspection

  4. 15 Jul

    How to Build a Custom Home Without Costly Regrets

    🚀 Thinking about building your dream home? Before choosing countertops, flooring, or paint colors, there are critical decisions that impact your home's durability, energy efficiency, indoor air quality, and long-term value. In this episode, Tim Lockhart sits down with custom home builder Matt Mitchell to discuss building science, high-performance homes, structural insulated panels (SIPs), HVAC sizing, remodeling versus new construction, and the biggest mistakes homeowners make when planning a custom build. 🎧 Hosted by: Tim Lockhart 👤 Guest:Matt Mitchell – Founder, James Andrews Custom Homes | Master Builder | SIP Builder | Green Builder Matt Mitchell is the founder of James Andrews Custom Homes, specializing in super high-performance properties since 2002. As a designated Master, SIP, and Green Builder, he leverages advanced construction science to create exceptionally strong, energy-efficient homes. He is also a Past President of the Dallas Builders Association and actively teaches building science to industry professionals. 💡 What You'll Learn: ✔️ Why building science matters more than ever in modern home construction ✔️ Common mistakes homeowners make when designing their dream home ✔️ How proper HVAC sizing improves comfort and indoor air quality ✔️ The benefits of Structural Insulated Panels (SIPs) over traditional framing ✔️ Whether remodeling or building new makes more financial sense 🎵 Whether you're planning a custom build, considering a remodel, or simply want to make smarter home decisions, this episode offers valuable insights! 💼 Connect with Matt Mitchell: 🌐 Website → https://www.jamesandrewscustomhomes.com/ 📘 Facebook → https://www.facebook.com/jamesandrewscustom/ 🔗 LinkedIn → https://www.linkedin.com/in/matt-mitchell-873aa3b/ 🎧 Follow Tim Lockhart: 🌐 Website → https://timlockharthomes.com/ 📸 Instagram → https://www.instagram.com/tim.lockhart.18/ 🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

    How to Build a Custom Home Without Costly Regrets

  5. 8 Jul

    How to Save Thousands with Simple Property Maintenance

    In this episode of The Falls Home Front, host Tim Lockhart sits down with Jeremy Houchens, Owner and Director of Priority Maintenance, to discuss how preventative maintenance and smart renovations can protect your property's value and save homeowners and investors thousands of dollars over time. Jeremy shares his journey to North Texas, explains why Wichita Falls is positioned for growth, and offers practical advice on maintaining residential and commercial properties. 🎧 Hosted by: Tim Lockhart 👤 Guest:Jeremy Houchens – Owner & Director, Priority Maintenance Jeremy Houchens is the Owner and Director of Priority Maintenance, a property maintenance and renovation company serving North Texas. He oversees a wide range of residential and commercial projects, including remodeling, painting, plumbing, electrical work, and exterior renovations, providing comprehensive solutions for property upkeep and improvement. 💡 What You'll Learn: ✔️ Why preventative maintenance is the key to protecting your investment ✔️ Common maintenance mistakes that cost homeowners and landlords thousands ✔️ What investors should inspect before and after purchasing rental properties ✔️ How to plan renovations based on your property's purpose and budget ✔️ Which home improvements provide the best long-term return on investment 🎵 Whether you're an investor, agent, or homebuyer, this episode offers valuable insights! 💼 Connect with Jeremy Houchens: 🌐 Website → https://prioritymtx.com/ 📸 Instagram → https://www.instagram.com/priority_maintenance/ 🔗 LinkedIn → https://www.linkedin.com/in/jeremy-houchens-0877551a5/ 🎧 Follow Tim Lockhart: 🌐 Website → https://timlockharthomes.com/ 📸 Instagram → https://www.instagram.com/tim.lockhart.18/ 🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

    How to Save Thousands with Simple Property Maintenance

  6. 1 Jul

    How Hotter N’ Hell 100 Put Wichita Falls on the National Map

    🚀 In this episode of The Falls Home Front, host Tim Lockhart sits down with Ben "Chip" Filer, Executive Director of the Wichita Falls Bicycling Club, to explore the incredible story behind the Hotter N’ Hell 100. From its beginnings as a one-time centennial celebration in 1982 to becoming one of the nation's premier endurance cycling events, Chip shares the history, growth, and community impact of this iconic event. Learn how thousands of cyclists from across the United States and around the world travel to Wichita Falls each year, the massive volunteer effort that makes the event possible, and how Hotter N’ Hell contributes millions of dollars to the local economy. Whether you're a cyclist, community leader, volunteer, or simply curious about one of North Texas' biggest annual traditions, this episode offers an inside look at what keeps Hotter N’ Hell thriving after 45 years. 🎧 Hosted by: Tim Lockhart 👤 Guest:🏡 Ben "Chip" Filer – Executive Director, Wichita Falls Bicycling Club Ben “Chip” Filer is the Executive Director of the Wichita Falls Bicycling Club, operating the Hotter’N Hell Hundred, one of the nation's largest century bike rides. After a management career spanning over three decades with General Motors and Delphi, he assumed this leadership role following extensive volunteer experience in the event's operations.💡 What You'll Learn: ✔️ The fascinating history and origin of the Hotter N’ Hell 100 name ✔️ How the event has grown into an internationally recognized cycling festival ✔️ The economic impact Hotter N’ Hell brings to Wichita Falls each year ✔️ Why volunteers are the backbone of the event's success ✔️ How anyone can participate, volunteer, or prepare for their first ride 🎵 Whether you're a cyclist, community leader, business owner, or outdoor enthusiast, this episode offers valuable insights into one of Texas' most iconic annual events. 💼 Connect with Ben "Chip" Filer: 🌐 Website → https://www.hh100.org/ 📸 Instagram → https://www.instagram.com/thehh100/ 🔗 LinkedIn → https://www.linkedin.com/in/ben-filer-3415821b/ 🎧 Follow Tim Lockhart: 🌐 Website → https://timlockharthomes.com/ 📸 Instagram → https://www.instagram.com/tim.lockhart.18/ 🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

    How Hotter N’ Hell 100 Put Wichita Falls on the National Map

  7. 24 Jun

    5 Insurance Mistakes That Could Leave You Unprotected

    🚀 In this episode of The Falls Home Front, Tim Lockhart sits down with Kevin King, Senior Manager and Insurance Broker at The Gray Group Insurance Brokerage. Kevin shares his journey from corporate leadership at Bridgestone to helping build a successful multi-state insurance brokerage. Together, they discuss the evolving insurance landscape in North Texas, rising premiums, weather-related risks, business growth through acquisitions, common coverage mistakes, and how homeowners can better protect their assets. Whether you're a homeowner, investor, or business owner, this conversation delivers practical insights into navigating today's insurance market. 🎧 Hosted by: Tim Lockhart 👤 Guest:🏡 Kevin King – Senior Manager & Insurance Broker, The Gray Group Insurance Brokerage Kevin King is a Senior Manager and Insurance Broker at The Gray Group Insurance Brokerage in McKinney, Texas, specializing in auto, home, life, and commercial policies. Previously, he completed a leadership program with Bridgestone Americas and helped scale a startup insurance brokerage into a multi-state operation. 💡 What You’ll Learn: ✔️ Kevin King's transition from corporate leadership into insurance ✔️ How The Gray Group scaled from a small operation to a multi-state brokerage ✔️ The impact of severe weather, inflation, and market conditions on premiums ✔️ The difference between flood, water damage, and water backup coverage ✔️ Benefits of working with an independent insurance broker ✔️ How to evaluate deductibles, policy limits, and risk exposure 🎵 Whether you're a homeowner, investor, business owner, or real estate professional, this episode offers valuable insights into managing risk and protecting your assets. 💼 Connect with Kevin King: 🌐 Website → https://www.thegraygroup.com/ 📸 Instagram → https://www.instagram.com/thegraygroupinsurancebrokerage/ 📘 Facebook → https://www.facebook.com/thegraygroupinsurance 🔗 LinkedIn → https://www.linkedin.com/in/kevin-king-58a90377/ 🎧 Follow Tim Lockhart: 🌐 Website → https://timlockharthomes.com/ 📸 Instagram → https://www.instagram.com/tim.lockhart.18/ 🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

    5 Insurance Mistakes That Could Leave You Unprotected

  8. 17 Jun

    How One Bottle of Wine Led to an Award-Winning Texas Winery

    🚀 In this episode of The Falls Home Front, host Tim Lockhart sits down with James Hanger, co-owner and winemaker of OG Cellars, to discuss his journey from hobbyist winemaker to building one of North Texas’ premier boutique wineries. James shares how a memorable bottle of wine sparked a lifelong passion, the traditional techniques he uses to craft award-winning wines, and why North Texas is becoming a major force in the wine industry. They also explore entrepreneurship, community building, the growth of Wichita Falls, and how OG Cellars has created a unique wine and dining experience for locals and visitors alike. 🎧 Hosted by: Tim Lockhart 👤 Guest:🏡 James Hanger – Co-Owner & Winemaker, OG Cellars James Hanger is the co-owner and winemaker at OG Cellars in Sunset, Texas. He transitioned into viticulture by training at Grayson College and apprenticing at local vineyards. He utilizes traditional winemaking techniques such as gravity flow and barrel fermentations to produce wines focused on a smooth and lingering finish. 💡 What You’ll Learn: ✔️ How James Hanger transitioned from wine enthusiast to professional winemaker ✔️ The traditional winemaking techniques that set OG Cellars apart ✔️ Common misconceptions about wine, sulfites, and flavor profiles ✔️ Why Texas and North Texas are ideal regions for grape growing ✔️ How OG Cellars created a unique wine, tapas, and live music experience ✔️ How local businesses are helping shape Wichita Falls’ future 🎵 Whether you're an entrepreneur, wine enthusiast, investor, or someone interested in local business and community growth, this episode offers valuable insights into building a successful brand and crafting exceptional experiences. 💼 Connect with James Hanger: 🌐 Website → https://ogcellars.com/ 📸 Instagram → https://www.instagram.com/o.g.cellars/ 🎧 Follow Tim Lockhart: 🌐 Website → https://timlockharthomes.com/ 📸 Instagram → https://www.instagram.com/tim.lockhart.18/ 🔗 LinkedIn → https://www.linkedin.com/in/tim-lockhart 📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below! ⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

    How One Bottle of Wine Led to an Award-Winning Texas Winery
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Welcome to The Falls Home Front—your go-to podcast for real estate, business, and life in Wichita Falls and North Texas. Hosted by Tim Lockhart, retired Air Force officer, REALTOR®, and trusted strategist, we bring you weekly conversations with local leaders, entrepreneurs, and cultural voices shaping our region. From market insights and investment tips to community events and success stories, discover why North Texas is one of the best places to live, work, and thrive.

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