Mortgage Cowboys

SB Studios
  • 5.0 (1)
  • Education
  • Updated Weekly

Grab a seat, pour your favorite drink, join two seasoned mortgage pros as they break down the real estate and lending world, without the jargon or boring suits. From market trends, mortgage myths, to wild stories from the field, nothing's off the table. Whether you're a realtor, homebuyer, or just mortgage curious, you'll get honest insights, laughs, and maybe a few "did they really say that" moments.

  1. 5d ago

    The Career Advice Gen Z Probably Doesn’t Want to Hear

    In this episode of Mortgage Cowboys, longtime behind-the-scenes producer Sean finally gets in front of the camera to talk about his unconventional path into video production, building a career without finishing college, and what it's like trying to figure out adulthood as a 26-year-old in a world that constantly makes you feel behind. 00:00 – Welcome to Mortgage Cowboys 00:55 – How Sean Got Into Podcasting 02:00 – Learning Production Without Going to School for It 04:00 – The Job Sean Knew He Had to Leave 05:30 – How Sean Got His Start at the Podcast Studio 08:00 – Why Gen Z Still Has to Start at the Bottom 09:00 – Dropping Out of College During COVID 10:00 – Finding Work You Actually Enjoy 13:00 – Moving From California to Boise 16:00 – What Boise's Growth Looks Like to a California Transplant 19:00 – Does Gen Z Have a Work Ethic Problem? 20:00 – The First Generation Raised With Smartphones 21:00 – How Social Media Makes You Feel Behind 23:00 – What Instant Gratification Has Done to Us 24:00 – Are Younger Generations Losing Communication Skills? 27:00 – AI, Convenience and the Loss of Critical Thinking 34:00 – Why We May Crave Human Creativity Again 35:00 – Can AI Ever Replace the Human Creative Process? 43:00 – The Wildest Podcasts Sean Has Produced 47:00 – The Craziest Story He Heard Behind the Camera 49:00 – Why Going to the Movies Still Matters 54:00 – Original Movies vs. AI-Generated Content 55:00 – How YouTube Creators Are Breaking Into Hollywood 57:00 – Why Hollywood Keeps Repeating the Same Cycle 59:00 – Is AI a Threat to Filmmaking? 01:02:00 – Sean's Top 3 Movies 01:04:00 – Sean's Top 3 Bands 01:13:00 – Everyone's First Concert 01:15:00 – Every Generation Thinks Culture Is Falling Apart 01:16:00 – Sean Announces He's Leaving the Studio

  2. Sep 23

    Is The Housing Market Really About to Crash?

    On Season 2 Episode 4 of Mortgage Cowboys, the guys discuss how extreme the COVID housing market became, today’s housing market, mortgage rates, affordability, and what would realistically need to happen for home prices to fall significantly.Subscribe to the channel and share your thoughts in the comments. 00:00 COVID Listing Frenzy 01:18 Free Money Warning Signs 02:33 Rates Down Prices Up 06:32 Why Today Feels Healthier 09:31 Stagnant Prices New Normal 12:03 Will Boise Hit A Million 15:57 Stop Hyping Rate Moves 22:42 Crash Talk And AI Fears 25:36 Young Buyers Getting Squeezed 27:06 Starter Home Reality Check 28:01 Luxury Rentals and Missing Middle 28:58 What Counts as Starter 29:50 Income vs Home Price Gap 30:40 Investors and Market Myths 34:45 Builder Rentals and Pipelines 36:39 CBH Pros Cons and Quality 39:52 Favorite Builders and Finishes 42:45 Idaho Growth and Migration 45:15 Locals vs Newcomers Tension 50:46 Realtor Identity Crisis 52:00 Why Realtors Get Hate 53:16 Business Mindset Over Status 54:17 Influencer vs Realtor Label 58:53 Referrals and Fair Tradeoffs 01:04:03 Paid Leads and Zillow Debate 01:08:31 AI Won’t Replace Agents 01:10:49 Go Old School Relationships 01:14:06 Wrap Up and Farewell Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/ Produced in partnership with SB Studios. Start Your Podcast Today Here: https://www.sbstudios.co

  3. Sep 16

    Why Real Estate Agents Don’t Need More Leads, Just Better Systems

    In season 2 episode 3 of Mortgage Cowboys, Tanner Helm and Tim Smith join the conversation to break down why so many real estate agents stay busy without ever creating a consistent, repeatable business. From prospecting and social media to commissions, referrals, client service, and profitability, this episode gets into what actually separates productive agents from everyone else 00:08 – What happened when Tanner started posting every day 00:09 – Going from 10–15 deals to 25–30 deals 00:16 – Does business coaching actually work? 00:28 – Tanner’s advice for brand-new real estate agents 00:30 – Why more conversations create more business 00:35 – Using social media as a prospecting system 00:38 – Turning social media attention into actual clients 00:49 – Referrals, visibility, and staying top of mind 00:56 – The problem with real estate’s low barrier to entry 01:05:00 – Why agents have to earn their commission 01:09:00 – Bad agents giving away their clients’ leverage 01:19:00 – What makes a Realtor worth 3%? 01:20:00 – Discount brokers, AI, and the race to the bottom 01:24:00 – Why successful agents don’t have to discount 01:30:00 – Selling more homes doesn’t mean making more money

  4. Sep 9

    What Home Inspectors Find That Homeowners Never Notice

    Home inspections can protect buyers from expensive surprises; but rushed inspection deadlines, hidden defects, and assumptions about new construction can make the process more complicated than most people realize. On season 2 episode 2 Mortgage Cowboys, Mark and Todd sit down with Chase Kerr of Morrison Plus Property Inspections to break down what professional home inspectors actually find, why new construction still deserves an inspection, and why extremely short inspection contingencies can create unnecessary chaos during a real estate transaction. 00:00 –Welcome to Mortgage Cowboys 04:00 – Leaving corporate sales to start a business 05:00 – The stranger who convinced Chase to become an owner 07:45 – Why franchising can reduce the risk of starting a business 14:35 – Home inspections, sewer scopes, drones, mold, and radon 18:10 – Trying to buy a home with no money down 28:15 – The worst things home inspectors find 30:05 – Why Chase refuses inspections on former drug houses 31:00 – Hundreds of razor blades hidden inside a wall 33:35 – A working toilet hidden inside a crawl space 35:00 – The Boise crawl space turned into a shooting range 36:10 – Why homeowners should get preventative inspections 37:30 – Why sellers should consider a pre-listing inspection 40:00 – How homeowners become “nose blind” to problems 43:05 – Why new construction still needs an inspection 50:00 – The aging workforce creating opportunity for young inspectors 57:15 – The owner-operator trap in real estate businesses 1:03:40 – “Would you buy this house?” 1:08:00 – The problem with rushing real estate transactions 1:15:10 – Why the home inspection should often happen first 1:18:00 – How to connect with Morrison Property Inspections

  5. Sep 3

    What Interviewing Shaq Taught David Paul About Success

    This week David Paul joins the Mortgage Cowboys to share how he went from playing football at Boise State to building a media and public relations company, becoming known as the “Voice of Boise,” and interviewing names like Shaq, Ice Cube, Mark Cuban, Larry David, and more. 00:00 – Welcome to Mortgage Cowboys 00:30 – Meet David Paul, “The Voice of Boise” 01:00 – Starting a Media Company During the Pandemic 02:00 – David Paul Was on Barney as a Kid 02:45 – Building the “Black Ryan Seacrest” Career Model 05:05 – What It Was Really Like Interviewing Shaq 07:20 – Meeting Seinfeld Creator Larry David 13:25 – Growing Up Around Music, Entertainment & Business 16:30 – How David Met His Wife—and Escaped the Friend Zone 19:10 – How “The Voice of Boise” Nickname Actually Started 25:30 – Hanging Out With Papa Roach's Founding Drummer 28:40 – The Hardest Part of Building His Business 30:00 – Why Brand Awareness Doesn't Always Have Immediate ROI 31:20 – Stop Forcing Business Relationships That Don't Fit 36:15 – Faith, Prayer & Handling Difficult Seasons 39:10 – What a Typical Day Looks Like for David Paul 52:15 – His Best Advice for Young Entrepreneurs 54:45 – 3 Things People Don't Know About David Paul 56:10 – David's Obsession With Going to the Movies 01:14:40 – Where to Follow David Paul 01:15:25 – Closing Thoughts

  6. Jul 29

    How Tim Turns Instagram Followers Into Real Estate Clients

    Real estate Instagram leads are not just about posting more content, they come from starting better conversations.In Episode 16 and part two of this Mortgage Cowboys conversation, Mark and Todd continue their sit-down with Idaho Realtor Tim Smith to talk about how he treats Instagram like a real prospecting system. Tim breaks down why every new follower can become a potential conversation, how lead magnets like relocation guides and seller guides create intent, and why follow-up matters more than most agents realize. 00:00 – Welcome to Mortgage Cowboys00:30 – How Tim treats Instagram followers like leads01:00 – Using relocation guides to start real estate conversations02:15 – Instagram lead labels, bots, and filtering prospects05:30 – Should lenders co-host open houses as agents?07:00 – Why lender-agent relationships are hard to break08:20 – Using podcasts to build realtor referral partners09:00 – Why authenticity attracts the right clients09:40 – Tim’s “My Real Estate Dude” approach13:00 – Introverts, rejection, and sales confidence15:00 – The fear of public speaking and awkward conversations20:30 – The most rewarding real estate clients25:45 – Why new construction became Tim’s favorite niche28:20 – Builder lenders, incentives, and comparing loan quotes01:03:10 – Dressing professional without losing your identitySubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

  7. Jul 22

    How Tim Used Instagram to Close $19M in Real Estate

    #realestateagents #realestateleads #realestatesocialmedia #idahorealestate Real estate social media leads are changing how agents, mortgage brokers, and lenders build trust before the first conversation ever happens.In episode 15 of Mortgage Cowboys, Mark and Todd sit down with Idaho Realtor Tim Smith to talk about how he got into real estate at 19, went from selling 8 homes to 47 homes, rebuilt momentum after a difficult year, and used Instagram to turn relocation content into real clients.Tim shares what cold calling taught him, why conversations still drive the business, how social media helped him attract buyers moving to Idaho, and why personal branding matters more than ever for real estate professionals. The conversation also gets into AI, whether real estate agents could be replaced, podcast networking, tattoos in business, Idaho growth, discipline, and the habits that help agents stay consistent.00:00 – Welcome to Mortgage Cowboys00:45 – Tim’s start in real estate at 1902:18 – From 8 homes to 47 homes sold03:20 – How cold calling built Tim’s early business08:00 – How interest rates changed the market12:30 – Why people are relocating to Idaho16:00 – Is Idaho the next big real estate market?23:10 – AI and the future of real estate agents26:20 – How agents can use AI without being replaced32:00 – Why podcasting creates better networking37:40 – Growing from 350 to 22,000 Instagram followers40:00 – Closing $19M in real estate volume01:03:05 – Tim’s advice for new real estate agents01:06:20 – Social media as free advertising01:29:25 – Keeping the prospecting wheel turningSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

  8. Jul 15

    Mortgage Rates, Market Swings, and the 2026 Waiting Game

    Mortgage rates in 2026 are finally showing signs of improvement, but the market still feels unpredictable for real estate agents, mortgage brokers, lenders, and buyers.In episode 14 of Mortgage Cowboys, Mark and Todd talk through what is happening with rates, why the bond market has been so volatile, and how global events continue to create uncertainty in the mortgage and real estate world.00:00 – Welcome to Mortgage Cowboys07:24 – Todd’s move to Tennessee15:38 – What is happening with mortgage rates16:10 – Why the 2026 market has been so volatile17:00 – The mortgage rate bet continues17:48 – Bond market improvement and rate movement18:25 – Mark starts working out again23:22 – The problem with things being too convenient25:20 – Mark’s first workout with Todd28:40 – ClosingSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

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About

Grab a seat, pour your favorite drink, join two seasoned mortgage pros as they break down the real estate and lending world, without the jargon or boring suits. From market trends, mortgage myths, to wild stories from the field, nothing's off the table. Whether you're a realtor, homebuyer, or just mortgage curious, you'll get honest insights, laughs, and maybe a few "did they really say that" moments.

Information

  • Creator
    SB Studios
  • Years Active
    2026
  • Episodes
    32
  • Rating
    Explicit
  • Copyright
    © SB Studios
  • Show Website
    Mortgage Cowboys