The Anchored in Real Estate Podcast

Cody Chembars
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  • Entrepreneurship
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Welcome to Anchored In Real Estate Podcast, your premier source for real estate tips and insights into the current housing market. In this podcast, we aim to build a strong real estate community where experts and enthusiasts can come together to discuss the latest trends and share valuable advice. Our real estate experts will be sharing their knowledge and experiences to help you navigate the complex world of real estate. Join us as we launch this exciting new podcast and explore the world of real estate together, providing you with the information and expertise you n

  1. May 15

    Don’t Get Pre-Qualified—Get Pre-Approved Instead (Home Buying & Lending Tips)

    In this Anchored Real Estate podcast episode, Johnny and co-host/broker Cody Chembars explain why getting pre-qualified is a weak step and why buyers should get pre-approved before touring homes. They discuss finding a lender through an agent, highlighting Johns Creek Mortgage as a broker with access to many banks and noting specialized lending referrals, including divorce-focused lending. They outline what lenders typically need (pay stubs/W-2s, work history, tax returns for self-employed borrowers, bank statements, and a soft credit pull), and how lenders calculate debt-to-income ratios and provide approval amounts. They emphasize focusing on monthly payment, not just the maximum approval, explain automated underwriting, warn against relying on public credit scores, and note pre-approval expiration and the risk of taking on new debt during the process.00:00 Why Pre Qualified Fails00:43 Pick The Right Lender02:35 Broker Vs Direct Lender04:51 Documents And Credit Pull07:51 DTI And Real Budget11:09 Approval Amount Vs Payment15:20 Pre Qualified Vs Approved19:50 Shopping After Approval20:38 Timing Expiration Pitfalls23:07 Wrap Up And Contacts

    26 min

  2. Apr 28

    5 Biggest Mistakes Home Sellers Make (And How to Avoid Them)

    On the Anchored Real Estate Podcast, hosts Johnny Dugan and managing broker Cody Chembars of Anchor Real Estate Advisors break down five common home-selling mistakes that cause listings to sit while similar homes sell quickly: overpricing (buyers swipe past overpriced homes and the first two weeks matter most), waiting too long to list (engage an agent early to plan timing, prep, and flexible closing/temporary occupancy), failing to prepare the home (declutter, curb appeal, and maintenance to create strong first impressions and support professional photos), poor/lazy marketing (especially bad photography and lack of targeted online/social promotion), and hiring the wrong agent (don’t choose based on the highest suggested price; research reviews, listing quality, and track record, and be cautious using inexperienced family without a co-listing/referral).

    40 min

  3. Mar 30

    Sell Your Home Now or Wait Until 2027? Interest Rates, Inventory & Equity Explained

    Johnny Dugan and Cody Chembars discuss whether homeowners should sell now or wait until 2027, focusing on three decision factors: interest rates, inventory levels, and equity position. They explain how “golden handcuffs” from ultra-low rates affect mobility, note reports of some government loans dipping below 6%, and warn that lower rates could increase buyer demand and competition—especially for buyers with home-sale contingencies. They highlight that inventory remains historically low at roughly 4.5 months versus a balanced 6 months, which can favor sellers today but may shift if more listings hit the market. They emphasize running net-to-seller and equity scenarios, including renting a low-rate home and buying another, and conclude timing the market is often neutral if you’re both selling and buying; waiting mainly makes sense for financial or equity-building reasons.00:00 Sell Now or Wait00:16 Meet the Hosts01:05 Factor One Rates01:37 Golden Handcuffs Reality05:22 Sell First Strategy07:13 Factor Two Inventory09:08 Pricing and Corrections10:52 Factor Three Equity16:08 Scenarios and Renting20:22 Consult an Agent22:01 Choosing the Right Realtor24:07 Final Takeaways and Contact

    25 min

  4. Mar 9

    Resetting the Seller Mindset: Pricing Right, First Impressions, and Winning Negotiations (Episode 12)

    Johnny Dugan and Cody Chembars discuss resetting the seller mindset for today’s market, emphasizing that it’s no longer the 2021–2022 environment and unrealistic pricing is a “kiss of death.” They explain that the market—not emotion, past upgrades, or online estimates—drives value, and buyers compare homes to current active competition. They stress the outsized importance of the first two weeks on market due to buyer search behavior, making pricing, photos, and presentation critical; later price reductions can signal weakness and invite low offers. Condition and curb appeal are framed as strategy, and they argue pricing for attention beats pricing for hope, including awareness of buyer price brackets and the leverage created by showings. They also normalize concessions and inspections as part of negotiation and conclude that choosing a truthful, experienced agent who protects net—not ego—matters more than timing the market.

    32 min

  5. Feb 25

    Episode 11: How to Make a Strong Home Offer This Spring (It’s Not Just Price)

    In Episode 11 of the Anchored in Real Estate Podcast, Johnny Dugan and Cody Chembars focus on educating homebuyers preparing for the spring market, noting rising mortgage applications and increased market tempo. They explain that price is only one part of an offer and walk through key negotiable contract “levers” such as inspection and due diligence periods, vacancy/post-occupancy timing, earnest money, financing terms, special stipulations, and seller requests like closing costs—emphasizing that the best offer isn’t always the highest price, but often the cleanest. They discuss how financing strength is judged by seller perception, including down payment size, lender reputation (local vs. national online lenders), and whether a buyer is truly qualified or even underwritten, along with how loan type can affect seller decisions. Common buyer mistakes include house shopping before getting finances in order and relying on contingencies as a “weapon” rather than reasonable protection. They stress that emotional decisions are costly and that timing and flexibility can outweigh price in negotiations. The episode closes with four questions buyers should ask their realtor—what matters most to the seller, how strong the offer feels, what risks to watch for, and how the agent would structure the offer—and encourages trusting both professional guidance and careful self-assessment.

    26 min

  6. Feb 13

    Bold Predictions for the 2026 Real Estate Market | Anchored Real Estate Podcast Episode 10

    In our milestone 10th episode, Johnny and Cody venture into the realm of real estate forecasting as they lay out bold predictions for the 2026 market. The duo comes with strong insights, discussing key trends such as interest rates, home prices, and buyer/seller behaviors. They dive deep into recent stats, the influence of political decisions, and localized market dynamics in Atlanta and North Georgia. Whether you're a buyer, seller, or simply interested in the real estate market, this episode is packed with valuable predictions and professional advice. Join us for this insightful episode and drop your predictions in the comments!

    25 min

  7. Feb 6

    Unlocking Real Estate Investments: Understanding the DSCR Loan

    In this episode of the Anchored Real Estate Podcast, hosts Johnny Dugan and Cody Chembars dive into the world of real estate investment, focusing on an insightful discussion about DSCR loans (Debt Service Credit Ratio). The duo explains the concept, benefits, and comparisons between DSCR loans and traditional investment loans. They highlight how DSCR loans qualify a mortgage based on the property's potential income rather than the borrower's personal income, making it a valuable tool for investors. The episode also sheds light on the underwriting process, credit requirements, ownership structures, and down payments involved in both loan types. Tune in to learn more about innovative investment strategies and practical advice for navigating real estate financing!

    24 min

  8. Jan 16

    Nerd Alert: Breaking Down Atlanta's Real Estate Market Trends - Anchored In Real Estate Podcast

    In this episode of the Anchored Real Estate Podcast, hosts Johnny Dugan and Cody Chembars dive into Atlanta Metro MLS statistics to provide comprehensive insights into the local real estate market. They discuss trends over the last decade, the impact of fluctuating interest rates, and the overall stability of the market. Join them as they debunk crash myths, analyze home sale prices, and explore the crucial dynamics between buyer and seller expectations. Whether you're buying, selling, or just curious, this data-driven discussion is packed with valuable advice and market predictions. Sponsored by Anchor Real Estate Advisors.00:00 Introduction to the Show00:48 Welcome to Anchored Real Estate Podcast01:43 Sponsorship and Social Media02:02 Diving into Market Statistics04:00 Analyzing Historical Data06:44 Understanding Market Inventory10:04 Balancing Buyer and Seller Perspectives13:29 Sellers' Pricing Strategies13:39 Buyers' Expectations and Incentives14:11 Market Trends and Data Analysis14:59 Challenges for Sellers and Agents15:43 Current Market Conditions18:37 Population Growth vs. Home Sales21:16 Future Market Predictions23:26 Conclusion and Next Episode Teaser

    25 min
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About

Welcome to Anchored In Real Estate Podcast, your premier source for real estate tips and insights into the current housing market. In this podcast, we aim to build a strong real estate community where experts and enthusiasts can come together to discuss the latest trends and share valuable advice. Our real estate experts will be sharing their knowledge and experiences to help you navigate the complex world of real estate. Join us as we launch this exciting new podcast and explore the world of real estate together, providing you with the information and expertise you n

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