Venture With Joe and Cody

Joe
  • 5.0 (1)
  • Entrepreneurship
  • Updated Weekly

Venture with Joe and Cody is a captivating journey into the lives and stories of business leaders, entrepreneurs, and pivotal community figures, revealing the essence of success through candid conversations. Tune in to discover the setbacks, triumphs, and invaluable lessons learned on the path to making a mark in the business world and beyond.

  1. 4h ago

    Mortgage Insurance Protects The Lender Not You

    Mortgage insurance is one of the most common “mystery fees” in real estate, and it quietly inflates monthly payments for years when buyers do not know their options. We break it down in plain English: what mortgage insurance is, who it protects, and why it shows up when you put less than 20% down. The biggest mindset shift is simple: PMI is not there to help you. It’s there to protect the lender, which means you should have a plan to remove it when you can. We walk through the rules that matter most for real people making real decisions, including the difference between conventional PMI and the mortgage insurance attached to FHA loans and USDA loans. We also get tactical on how PMI removal actually works, from reaching out to your loan officer to using an appraisal and documenting upgrades that can support a higher home value. If you have been waiting for PMI to “fall off” on its own, you may be leaving money on the table. Then we dig into the more strategic side of loan structuring: single premium PMI buyouts, using seller credits the right way, and why contract wording can accidentally limit what your credit can pay for. We also cover a critical refinance reality: if you pay money upfront to eliminate PMI or buy down your rate, that benefit is tied to that specific loan, and a refinance can put you right back where you started if you do not have enough equity yet. If you want a smarter mortgage payment and fewer surprises, listen through, share it with a buyer who is trying to make the numbers work, and subscribe so you do not miss what we cover next. After you listen, what question do you still have about mortgage insurance or PMI removal?

    32 min

  2. May 29

    How Virtual Tours Change What Buyers Notice First

    Your first home showing might not be a showing at all. It might be a 3D tour you watch 17 times, a video walkthrough, an aerial clip, or a quick scroll that makes you think you already know the place. We dig into how that shift is changing real estate for buyers and sellers, and what it means for making confident decisions in today’s market. Joe Skipper (Skipper Realty, Oregon) and Cody Wilhelm (Residential Mortgage) break down why curb appeal still matters, but virtual tours are often the real first impression now. We talk about what buyers can learn online, what they can’t, and why fewer physical showings does not always mean low demand when marketing is strong. Then we get practical: how to check the neighborhood, read parking and traffic patterns, and avoid falling so hard for the house that you forget to evaluate the street. We also cover the newer traps, including AI-enhanced photos, heavy editing, and virtual staging that can make a home feel brighter or cleaner than reality. We explain why 3D walkthroughs can give a more honest sense of light and layout, and why smell and overall vibe still require an in-person visit. Finally, we share a negotiation-saving reminder that too many buyers learn the hard way: assume you’re being recorded during showings, from Ring doorbells to interior cameras, and keep your reactions from becoming the seller’s leverage. Subscribe for weekly Friday episodes, share this with a friend who’s house hunting, and leave a review with your best “must-check” tip before making an offer.

    27 min

  3. May 22

    How Mega Acquisitions Are Reshaping Brokerages

    Big brokerage acquisitions are accelerating, and we unpack what that means for brands, agents, and the tech that shapes the client experience. We also reset the basics for first-time homebuyers navigating new buyer agreements and a market where online answers are not always reliable.  • Compass acquiring Anywhere Real Estate and what that signals for industry consolidation  • eXp Realty acquiring NextHome and why Google visibility matters  • Why most acquired brands likely keep their names  • The real reason companies buy companies: agents, tech, training, resources  • What boutique brokerages can do well and where scaling gets tough  • Why some agents and lenders keep switching companies and when it backfires  • Big banks, lending overlays, and how servicing drives stricter rules  • First-time homebuyer reminders: pre-approval, down payment, closing costs, earnest money  • Buyer agency agreement changes after the NAR lawsuit and how to ask questions early  If you haven't already, subscribe and like Venture with Joe and Cody. Follow us on our social media, YouTube, Instagram, Facebook, all the stuff.

    36 min

  4. May 15

    Stop Acting Like You Close At Five

    We bounce from parenting war stories to the mortgage market, then land on the real question: what makes a human professional valuable when AI can spit out answers instantly. We talk mortgage rates in the mid-sixes, the Fed, and how agents and lenders stay relevant by being available, fast, and genuinely helpful. • childhood discipline memories and how different kids react to consequences  • busy family schedules and how time pressure shapes decisions  • inflation realities like $5+ gas and what it signals emotionally  • mortgage rates around 6.3% to 6.5% and what buyers are weighing now  • Fed leadership change and why rate cuts are not simple  • AI in the home buying process for comparing rates, affordability, and scenarios  • AI tools in lending for guidelines, marketing, and future underwriting automation  • practical real estate tools like seller net sheets and rental data packets  • why “I don’t answer after 5” is a losing business model  • tech nostalgia and the shift from living moments to recording them  sign up, subscribe for Venture with Joe and Cody. We have a live stream that goes on every Thursday night as well. So go to Facebook and YouTube if you want to hear us live. But like and subscribe, give us a review, and let us know how we’re doing.

    34 min

  5. May 8

    Plumbing Problems And Picky Buyers

    A single bad drill hole can ruin your day, but it can also teach you more about homeownership than any tutorial ever will. We start with the real stuff: turning a spare room into a guest room studio for podcast recording, the annoying reality of knocking pipes, and why rerouting plumbing and drain lines can get pricey fast. Then we swap war stories, including the kind of stud-finder fail that ends with a TV mount and a very unfortunate drain pipe. From there, we zoom out to what buyers and homeowners are feeling right now in real estate and mortgage lending. We talk new loan programs coming online, what “bringing it in-house” means, and why the 30-year fixed mortgage rate can swing on headlines tied to geopolitics, the 10-year Treasury, and even Federal Reserve bond buying. If you’ve been watching rates bounce and wondering whether anything is actually “normal” anymore, we put that movement into plain language. We also dig into today’s buyer behavior: why people are pickier, why some homes fly off the market while others sit, and how open houses can feel like a low-commitment workaround when buyers don’t want to sign paperwork too early. We wrap with a practical take on closing day support, why notaries and title signings can get confusing, and a quick flashback to the truly wild COVID years (yes, including the toilet paper aisle). Subscribe, share the episode with a friend, and leave a review so more buyers and homeowners can find the show.

    35 min

  6. May 1

    You Can’t Time The Market, But You Can Still Buy Smart

    Vegas is fun. Forgetting your own home address, not so much. We start with a little real-life chaos, then shift into what you actually came for: a clear read on the 2026 Oregon real estate market from a working agent and a working lender. The vibe right now isn’t “boom” or “bust” it’s stable but unpredictable, and that makes timing advice a lot less useful than most people want it to be. We talk through what we’re seeing with sellers who bought during the pandemic, paid a premium, and now expect another big jump. Days on market feel longer, patience feels harder, and the old seasonal rules don’t always hold. At the same time, buyers are adapting. Homes that sit for a few weeks are starting to look like opportunity, not a warning sign, and the conversation is shifting back to leverage, negotiations, seller credits, and realistic expectations around mortgage rates. We also get practical about decision-making. The housing market moves in years, not weeks, and most people don’t care until life forces a move: new jobs, kids, downsizing, landlords selling, or just being done with waiting. If the sticking point is payment or cash to close, we break down the kinds of financing tools that can help, including closing cost strategies and temporary rate buydowns. If you want more guidance, we’re also putting together a live buyers webinar in May where you can ask real questions and get real answers. Subscribe, share this with a friend who’s stuck on the fence, and leave a review so more buyers and sellers can find us.

    32 min

  7. Apr 24

    Rebranding Stress And Real Estate Tools That Help Sellers

    A business name sounds like a logo detail until you realize it is the decision you will wear on every sign, email, and client introduction for years. We open with the real pressure behind a real estate rebrand, how to “date” a name before you commit, and why even small choices can feel permanent when you run your own shop. Along the way we swap the everyday moments that keep this work human, from kids’ sports to the kind of sunburn you cannot show up to a showing with. Then we zoom out to the bigger reality of real estate and mortgage life: it is hard to turn work off. We talk honestly about work-life balance, why taking a simple 10-minute walk can feel impossible during “work hours,” and how home projects and family time compete with the constant urge to be productive. If you are an agent, lender, or business owner, you will recognize the see-saw between feeling behind at work and feeling behind at home. On the practical side, we share what we are building for clients, including a seller net sheet calculator that helps homeowners estimate net proceeds with adjustable inputs like sale price, payoff, commissions, concessions, closing date, and taxes. We also dig into home appraisal and home inspection stories, including a $50,000 appraisal gap, why you often cannot just order a new appraisal, and the inspection surprise that exposed a rotted septic tank. And yes, we even talk about finding a grave on a property. If you are buying or selling a home, these are the real-world details that matter. Subscribe, share the show with a friend, and leave a review, and tell us: what is the wildest appraisal or inspection surprise you have ever seen?

    32 min

  8. Apr 17

    What If The Best Real Estate Move Is Acting Normal?

    The moment you’re told you can’t use “Realty” in your name anymore, you find out fast whether your brand is real or just a placeholder. Joe and Cody talk through a forced real estate team rebrand under a larger brokerage, what makes a name timeless, and why most real estate logos feel the same. We want a brand that’s simple, wearable, and marketable, the kind of thing that makes someone stop and ask, “What is that?” From there, we shift into what buyers and sellers keep calling a “weird” housing market. We break down why longer days on market are starting to feel normal again, how buyers are adjusting to mortgage rates, and what we’re seeing with negotiations like seller concessions and price reductions. If you bought during the COVID frenzy with a 2.75% rate and an aggressive overbid, we also unpack why selling today can feel like a gut punch and how to think about the sale and the next purchase as a seesaw. We close with two reality checks: HGTV-style renovation budgets rarely match real-life kitchen remodel and bathroom remodel costs, and AI in real estate is getting weaponized as clickbait. AI can help with speed, but it can also create risk if people stop understanding their own contracts and advice. If you’re buying a home, selling a home, or building a real estate business, this conversation brings it back to fundamentals and clear thinking. Subscribe, share this with a friend who’s waiting on the “perfect” market, and leave a review with your take: what’s the most memorable real estate brand name you’ve seen?

    32 min
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About

Venture with Joe and Cody is a captivating journey into the lives and stories of business leaders, entrepreneurs, and pivotal community figures, revealing the essence of success through candid conversations. Tune in to discover the setbacks, triumphs, and invaluable lessons learned on the path to making a mark in the business world and beyond.

Information

  • Creator
    Joe
  • Years Active
    2024 - 2026
  • Episodes
    56
  • Rating
    Clean
  • Copyright
    © 2026 Venture With Joe and Cody
  • Show Website
    Venture With Joe and Cody