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. Sep 4

    Lock Or Float

    Mortgage rates don’t just “go up or down” in the background, they change how picky buyers get, how long listings sit, and how confident you feel writing an offer. We kick things off with some Friday Night Lights energy, then pivot hard into the housing and mortgage reality a lot of people are living right now: higher rates, slower decision-making, and a market that looks normal in the data but feels anything but normal day to day. We dig into the latest mortgage rate trends and what’s moving them, from Freddie Mac’s weekly survey to the daily lock benchmarks, plus the impact of jobs reports, inflation, gas and diesel prices, and the next Federal Reserve decision. Then we talk boots-on-the-ground real estate: buyers who are willing to walk over one missing feature, sellers who feel stuck, and why “testing the market” with a high list price can lead to a long, painful string of price cuts. The core deep dive is a clear, practical breakdown of locking versus floating your mortgage interest rate. We explain what a rate lock actually is, why it’s tied to a specific property, how 15-day vs 60-day locks affect cost, and how we guide clients who want updates while they float. If you’ve ever wondered why you can’t just relock every time rates dip, we cover that too, along with the mindset we use to reduce stress and keep deals moving toward the keys. If you found this helpful, subscribe, share it with a friend who’s buying or selling, and leave a review so more people can find the show. What’s your move right now: locking early, floating for a better number, or waiting on the sidelines?

  2. Aug 28

    Buyer Leverage Is Back

    Vancouver listings are sitting longer than Portland, and that one detail changes everything about how we negotiate a deal. We break down what we’re seeing on the ground across the Portland metro, Vancouver and Clark County, and Salem-Keizer: days on market stretching out, sellers getting impatient after about 30 days, and buyers gaining real leverage without the market turning into a fire sale. If you’re trying to buy or sell in 2026, the strategy is no longer universal. It’s street by street, price point by price point, and the right plan can save thousands.  We also get honest about mortgage rates. With the 30-year fixed average hovering around 6.7%, it’s easy to feel stuck. We talk through what’s actually moving the rate market, including the 10-year Treasury and mortgage-backed securities, and why “waiting for rates to drop” can be the wrong bet for a lot of buyers. The better move is understanding the tools that exist right now, especially when inventory is up and negotiation is back on the table.  Then we go deep on the tactics that matter: seller-paid closing cost credits, rate buydowns, and when a credit can beat a price cut for lowering your monthly payment. We also cover a commonly missed point: on smaller loan amounts, a full point drop in rate may not change your payment as much as you think, so you need the math before you build your whole plan around refinancing. If you want a smarter real estate negotiation strategy in the Portland real estate market and Vancouver WA housing market, this one is for you. Subscribe, share with a friend who’s house hunting, and leave a review so more buyers and sellers can find the show.

  3. Aug 14

    Why A “Slow” Market Can Still Be Strong

    “Housing crash” is one of the most searched, most repeated phrases in real estate, and it shows up no matter what the market is doing. We take a clear-eyed look at the Portland housing market using long-run appreciation data and a simple question: how often do home prices actually fall, and what usually has to happen for that to occur? When you zoom out, the story is less dramatic than the internet makes it sound, and a lot more useful for real people trying to plan a move, a purchase, or a sale. We also unpack what buyers and sellers are feeling right now: a market that’s slower than the post-COVID peak, but still stable. We talk list-to-sale price, days on market, and why “balanced market” is often the most accurate label even when it doesn’t feel exciting. On the lending side, we get into appraisals and why we’re not seeing a wave of low values, which is a big clue that pricing and comps are holding up better than the doom scrolling suggests. Then we go controversial: has real estate marketing gotten so good online that it’s costing listings in-person showings? We break down why 3D tours and virtual walkthroughs can filter out buyers who might have loved the home if they’d just walked it, and how to think about creating enough detail to build trust without removing the magic of seeing a property in real life. If you like practical, data-backed real estate talk with a Portland and Pacific Northwest lens, subscribe to Venture with Joe and Cody, share this with a friend who keeps waiting for “the crash,” and leave a review with the biggest housing myth you want us to tackle next.

  4. Aug 7

    Are the Trail Blazers LEAVING Portland? (What It Means for Real Estate)

    We argue that great service means showing up, whether that’s for your clients at the signing table or for your city when a major cultural asset is on the line. We dig into what the Blazers potentially leaving says about Portland’s reputation, business climate, and the ripple effects that can hit real estate, condos, and the broader economy.  • why agents should attend escrow signings and support clients through confusing paperwork  • the real client experience at title offices and why small details affect trust  • county fair community moments and what they reveal about local identity  • the “camels are wild?” realization and how assumptions shape perspective  • the Portland Trail Blazers relocation risk and why it matters beyond sports  • Moda Center and Rose Quarter economic impact plus tax revenue concerns  • Portland leadership, business friendliness, and how perception drives decisions  • housing and condo market implications if Portland loses a major anchor tenant  If you haven't already subscribed and like like and subscribe to our stuff we're on social media as well so go find us if you want to look and buy and sell in Oregon and Washington

  5. Jul 24

    Choosing The Right Mortgage Lender

    A low rate looks great on a screen, right up until you need an answer at 9pm to write an offer. Joe and Cody get real about what actually matters when you’re choosing a mortgage lender and why the lender-client relationship can make or break your homebuying experience, even in a “normal” balanced real estate market. We start with a quick catch-up and Cody’s Bend golf tournament story, including the difference between a serious, well-run competition and those scramble events where the winning score never seems to match the people holding the trophy. That turns into a bigger point about accountability, transparency, and why incentives shape behavior in every industry, including real estate and mortgage lending. From there, we lay out practical filters for picking the right lender: someone who educates you, explains mortgage options clearly, and helps you think strategically about down payment, monthly payment, cash reserves, and the right loan program for your situation. We talk specialty needs like doctor loan programs and self-employed income, plus the underrated factor that wins deals in competitive moments: responsiveness. If you can’t get a pre-approval update or a quick scenario run when you need it, the “best” interest rate won’t save you. We also dig into referral-based service versus internet lead volume models and why a great client experience comes from honest guidance, strong communication, and a long-game mindset. If you’re buying or selling a home and want fewer surprises and more clarity, this one’s for you. Subscribe, share it with a friend who’s house-hunting, and leave a review if the show helps, what’s the biggest thing you want from your lender?

  6. Jul 10

    How To Use A Home Inspection To Negotiate Smarter

    A home inspection can feel like a punch in the gut: the report is long, the list is scary, and suddenly you’re wondering if you’re buying a house or buying problems. We talk through how to handle that moment with a clear plan, especially during the inspection contingency window where buyers often have the strongest leverage and the cleanest way to keep earnest money if the deal no longer makes sense. We get practical about negotiation strategy after the inspection report comes back. Should you ask for repairs, a purchase price reduction, or a seller credit toward closing costs? We explain why dropping the price often barely moves the monthly payment, while closing cost credits can keep thousands of dollars in your bank account for moving, furniture, and immediate upgrades. From the lending side, we also cover how seller concessions can be used, including options like temporary or permanent rate buydowns, and what you can do if there’s credit left over. We also share a simple but critical warning: don’t email the inspection report to your lender. Lenders typically do not need it, and once it’s in the file it can create avoidable complications. Finally, we clear up a common VA loan misconception. Even with a VA loan’s big benefits, VA buyers still have normal closing costs, and the VA funding fee may apply unless it’s waived. Subscribe to Venture with Joe and Cody, share this with a friend buying a home, and leave a five-star review if it helped. What part of the inspection process do you want us to break down next?

  7. Jul 3

    First-Time Homebuyer Money Basics

    We catch up on life outside work, then shift into the money questions first-time homebuyers ask when the real estate market feels calmer but still uncertain. We break down how down payment assistance, earnest money, appraisal fees, and closing costs actually work so you can budget with confidence and avoid surprises at the closing table.  • Mud run recap and why a Spartan race sounds tempting  • How a healthier market gives buyers more leverage while sellers can still move homes  • What drives mortgage rate swings and why small drops can change demand fast  • First-time homebuyer programs through state agencies and conventional options like HomeReady and Home Possible  • Why bigger down payments can reduce program benefits and change the rate math  • Balancing a comfortable monthly payment with keeping cash for repairs and life surprises  • Earnest money as a credit toward what you owe at closing and when it can be refunded  • Appraisal and inspection fees as prepaid costs that do not count as down payment  • Closing costs versus down payment and how to communicate your total cash budget early  • Why asking questions early reduces stress and prevents end-of-transaction surprises

  8. Jun 26

    A Dad And Daughter Talk Home Buying Basics

    A nine-year-old asking real estate questions turns out to be the fastest way to cut through the noise. We’re joined by Cora for a relaxed, funny, and surprisingly sharp conversation that explains home buying and home selling in plain English, the way most people wish the industry talked all the time. We start with the personal side of the job: why we chose real estate in the first place, what “freedom” really looks like day to day, and how much of this business is built on being present for clients when the pressure is on. Then Cora jumps straight into the big one: why houses cost so much money. We break down the basics behind home prices, including inflation over time, construction costs, labor, and what buyers are up against when “starter homes” don’t feel starter-priced anymore. From there, we get practical. We talk staging and why it helps homes sell faster and for more, even when buyers think they can picture an empty room. We dig into home inspections, what they can uncover, and how inspection results become real negotiating power. We also get real about what it feels like when a deal closes, including that odd “breakup” moment when you go from constant texts to silence overnight. We wrap with what’s slowing the housing market down right now, how mortgage rates shape affordability, and one piece of advice we’d give any new realtor who wants to last. Subscribe to Venture with Joe and Cody, share this with a friend who’s house hunting, and leave a review. What’s the one real estate question you wish someone would answer straight?

See All (65)

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
    65
  • Rating
    Clean
  • Copyright
    © 2026 Venture With Joe and Cody
  • Show Website
    Venture With Joe and Cody