94 episodes

Welcome to Grateful Heart! The Motivational Real Estate & Business Show. We're here to inspire you to BELIEVE in yourself, to dare to DREAM about your infinite divine possibilities. To blow open your mind to creating your most ABUNDANT reality possible, as our thoughts are so powerful! I found turning my own personal grief into gratitude raised my vibrations to be in tune for receiving Prosperity, Health, & Connecting to God source. I'm your host (seasoned real estate broker) Rebecca Rains with Integrity All Stars at Berkshire Hathaway. I will bring on guest every week to cover a variety of topics from Real Estate & Business to Healing & Mindset. Follow us on Facebook or Subscribe to our Youtube Channel for the most up-to-date episodes! Or listen to us anywhere you stream Podcasts!

Grateful Heart Tv Rebecca Hidalgo Rains

    • Business
    • 5.0 • 12 Ratings

Welcome to Grateful Heart! The Motivational Real Estate & Business Show. We're here to inspire you to BELIEVE in yourself, to dare to DREAM about your infinite divine possibilities. To blow open your mind to creating your most ABUNDANT reality possible, as our thoughts are so powerful! I found turning my own personal grief into gratitude raised my vibrations to be in tune for receiving Prosperity, Health, & Connecting to God source. I'm your host (seasoned real estate broker) Rebecca Rains with Integrity All Stars at Berkshire Hathaway. I will bring on guest every week to cover a variety of topics from Real Estate & Business to Healing & Mindset. Follow us on Facebook or Subscribe to our Youtube Channel for the most up-to-date episodes! Or listen to us anywhere you stream Podcasts!

    Episode 94: Why Is A Reverse Mortgage A Great 👍 Idea 💡 For Anyone 55+?!

    Episode 94: Why Is A Reverse Mortgage A Great 👍 Idea 💡 For Anyone 55+?!

    Have you ever heard of a reverse mortgage? Did you know that if you or your spouse are over the age of 55 you could qualify for one? There are a lot of misconceptions about Reverse Mortgages and we are here today to put an end to those. Our expert guest Tara Krieg in the studio to help explain what exactly a reverse mortgage is, what the requirements are, and some of the pros and cons about them. Tara is the Sr. Mortgage Loan Officer at AmeriFirst Financial and has helped many families with Reverse Mortgages including her own!

    Want to learn more? Check out this article on Reverse Mortgages:

    Listen & Learn:
    1:08 - Rebecca intros Tara Krieg
    4:00 - Cons of Reverse Mortgages
    9:38 - Tara's outline on Reverse Mortgages
    11:00 - Rebecca's real-life example
    13:03 - What is a HECM?
    14:45 - What is a NBS?
    16:11 - Tara's real-life example
    17:47 - Do you have to be married to get a HECM?
    19:45 - What is capacity & willingness?
    22:50 - Protecting mature Americans
    24:30 - Eligible properties for HECM
    25:00 - Who is an ideal candidate for a HECM loan?
    27:47 - Tara's personal example of a reverse mortgage
    30:54 - What is the principle limit?
    32:05 - What is the difference between a HECM vs a FHA/VA loan?
    33:45 - Tenure payment vs line of credit
    35:56 - The "catch" to having a reverse mortgage
    37:40 - Rebecca's closing

    Special Guests:
    Tara Krieg - Senior Loan Officer at AmeriFirst Financial
    Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years' experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Her specialties include loan origination, credit education, mortgage related financial consulting and planning, and personal coaching of Junior Loan Officers.

    Phone: 480-344-1951
    Email: tkrieg@amerifirst.us
    Website: www.tkteam.us

    Follow us on Facebook & Instagram @GratefulHeart.Tv 😄

    Listen 📻 to the full show anywhere you stream podcasts!
    Don't forget to Like & Subscribe! 🙏

    • 39 min
    Episode 93: Are We Back To "NORMAL" Yet??🏡

    Episode 93: Are We Back To "NORMAL" Yet??🏡

    Are we in a housing crisis?? Is our market still a seller's market or are we in a buyer's market now? Find the answers to these questions and more market stats in part 2 of last week's show! We are joined again by our expert guests Joe Smith of Epic Mortgage, Anthony Penna of Navi Title, and as always our host Rebecca Hidalgo Rains. They will be talking Cromford stats, and historical stats, and give some real-life examples of what is happening in our housing market RIGHT NOW!

    Listen & Learn:
    1:17 - Rebecca intro's Joe & Anthony
    3:15 - What is Anthony's title company seeing right now?
    5:28 - Rebecca's real-life example
    7:58 - Joe's take on current list prices in the AZ market
    8:42 - Rebecca's tips on getting top dollar for your home
    12:00 - Anthony's chart on the housing crisis explained
    14:25 - Experts don't believe the market is in a bubble
    16:55 - Definition of Recession
    17:20 - What is a housing correction and are we in one?
    19:30 - Anthony's take on interest rates & where they are going
    24:25 - Our current reality
    26:21 - Anthony's quote on interest rates & home values
    27:00 - Cromford report update
    29:23 - Cromford chart on prices explained
    31:15 - Sales per month chart
    34:50 - Phoenix is a big city now
    35:15 - Anthony's final thoughts
    36:05 - Rebecca & Joe's final thoughts

    Anthony Penna – Senior Vice President at Navi Title
    “There is nothing more satisfying than helping people achieve their goals by providing them with opportunities to excel in their business. It’s an awesome process that I feel very fortunate to be a part of.” Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards.

    Phone: 602-510-8848
    Email: apenna@navititle.com
    Website: www.navititle.com/

    Joe Smith – Owner/Broker of Epic Mortgage
    Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. After 17yrs in traditional retail banking, working for many top companies in the mortgage business he decided to make a jump to becoming a mortgage broker himself. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you’re gonna want to go to for advice on lending!

    Phone: 602-741-4121
    Email: joe@myepicloan.com
    Website: www.myepicloan.com

    Follow us on Facebook & Instagram @GratefulHeart.Tv 😄
    Listen 📻 to the full show anywhere you stream podcasts!
    Don't forget to Like & Subscribe! 🙏

    • 38 min
    Episode 92: Do YOU Know If We Really Are In A Recession?

    Episode 92: Do YOU Know If We Really Are In A Recession?

    There are a lot of headlines out there causing fear and confusion😨, talking about how we are in a "recession" or about to be in a recession. Do you know what it actually means to be in a recession and what the signs are?📉 Well listen to today's show with our expert guests Joe Smith from Epic Mortgage, Anthony Penna from Navi Title, and of course our Host Rebecca Hidalgo Rains of Integrity All Stars to find out what exactly it means to be in a recession and what to expect for the future!🙌

    1:10 - Rebecca intros Joe & Anthony
    4:00 - Rebecca explains GDP
    7:10 - 2 Stages of a market economy
    8:28 - Joe's definition of a recession
    11:30 - Important takeaway about Recession
    12:05 - Why do the feds have to raise rates?
    13:30 - Declining market economy chart
    14:55 - Summary of why interest rates are going up
    20:55 - What could the next 18 months look like?
    22:30 - Why is gas cheaper in Payson than in the valley?
    25:00 - Recession & its effects on jobs
    27:40 - Gilbert, AZ is expanding
    30:50 - AZ's economy is now considered a light industrial
    32:00 - The #1 reason big companies are moving to AZ
    33:28 - 5 of the fastest-growing cities in the U.S.
    35:30 - A recession doesn't equal a housing crisis

    Anthony Penna – Senior Vice President at Navi Title
    “There is nothing more satisfying than helping people achieve their goals by providing them with opportunities to excel in their business. It’s an awesome process that I feel very fortunate to be a part of.” Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards.

    Phone: 602-510-8848
    Email: apenna@navititle.com
    Website: www.navititle.com/

    Joe Smith – Owner/Broker of Epic Mortgage
    Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. After 17yrs in traditional retail banking, working for many top companies in the mortgage business he decided to make a jump to becoming a mortgage broker himself. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you’re gonna want to go to for advice on lending!

    Phone: 602-741-4121
    Email: joe@myepicloan.com
    Website: www.myepicloan.com

    Follow us on Facebook & Instagram @GratefulHeart.Tv 😄
    Listen 📻 to the full show anywhere you stream podcasts!
    Don't forget to Like & Subscribe! 🙏

    • 41 min
    Episode 91: This is What You’ve Been Waiting For!🏡

    Episode 91: This is What You’ve Been Waiting For!🏡

    Third time’s the charm😉 - Here comes our third market update of the year! 🏠 With the constant changing rates and all the headlines of a coming “crash” we thought now would be a great time to review the stats 📈 and talk with some of our favorite experts in the field of Real Estate. As usual, Tara Krieg of AmeriFirst Financial, and Joe Smith of Epic Mortgage joined us in the studio while Anthony Penna of Navi Title joins this fun and insightful conversation remotely. Tune into today’s show to learn how the housing market affects single moms, what the anticipated interest rates are for the coming months, and the weighing reality on today's value of homeownership!

    Wanna see the stats for yourself? Check out our blog post with all the data from today's show and more! https://integrityallstars.com/current-housing-market-stats-predictions/

    Listen & Learn:
    0:52 - Rebecca introduces Tara, Joe, and Anthony
    1:11 - Recap of the previous market overview episodes
    7:27 - “[Real estate market] won’t see huge gains for the rest of the year”
    9:04 - Anthony and Tara on multiple offers and price increases
    10:22 - Analysis of the big slow down in the real estates
    12:06 - The advantage of buying
    15:33 - Single moms are hit most in the mortgage business
    17:57 - Arizona is having a California problem
    20:58 - Wins for the real estate market
    23:43 - What has happened over the past two years
    25:00 - Cromford Market Index’s red flag warning
    34:23 - Anthony on why the housing market is not a bubble ready to pop
    39:03 - Tara and Joe on adjustable-rate mortgage (ARMs)
    41:05 - On inflation and how a mortgage is not a challenge
    42:40 - Equity harvesting amid the pandemic
    43:53 - “It’s America. People love credit.”
    45:40 - Homeownership being a hedge against inflation
    47:25 - Percentage of institutional cash buyers in the Phoenix market
    49:24 - Anthony’s myths on today’s housing market
    51:38 - Buyers’ education and behavior on interest rates
    53:58 - Joe’s prediction on interest rates in two months
    54:48 - Tara’s insights on price reductions and interest rates
    55:29 - Rebecca on buyer’s remorse and cancellations
    56:07 - Anthony’s prediction on interest rates in two months
    57:55 - Tara reiterates the need for education in real estates

    Special Guests:
    Anthony Penna - Director of Sales & Marketing at Lawyers Title
    "There is nothing more satisfying than helping people achieve their goals by providing them with opportunities to excel in their business. It’s an awesome process that I feel very fortunate to be a part of." Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards.

    Phone: 602-510-8848
    Email: apenna@navititle.com
    Website: www.navititle.com/

    Joe Smith - Owner/Broker of Epic Mortgage
    Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. After 17yrs in traditional retail banking, working for many top companies in the mortgage business he decided to make a jump to becoming a mortgage broker himself. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you're gonna want to go to for advice on lending!

    Phone: 602-741-4121
    Email: joe@myepicloan.com
    Website: www.myepicloan.com

    Tara Krieg - Senior Loan Officer at AmeriFirst Financial
    Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years' experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Her specialties include loan origination, credit education, mortgage related financial consulting and planning, and personal coaching of Junior Loan Officers.

    Phone: 480-344-1951
    Email: tkrieg@amerifirst.us
    Website: www.tkteam.us

    • 59 min
    Episode 90: How To Avoid Capital Gains Tax 🙅 With A 1031 Exchange

    Episode 90: How To Avoid Capital Gains Tax 🙅 With A 1031 Exchange

    If you recently bought a home🏠 and are thinking of moving before your two years then you NEED to watch this episode! Today we have expert Rick Wittstock in studio to educate us on 1031 Exchanges and Capital Gains Tax. 😬1031 Exchanges are one of the biggest kept secrets in real estate investing. Many investors use 1031 exchanges to save BIG 🤑 on taxes and so can you! Watch today's episode to learn exactly what requirements are needed to do a 1031 exchange, what capital gains tax is, and why you want to avoid it.🙅


    Listen & Learn:
    1:14 - Rebecca Intro's Rick
    2:40 - Rebecca's example of capital gains tax
    6:00 - Second homes & 1031 exchanges
    8:15 - Requirments for a property to be used as 1031 exchange
    9:00 - Real-life 1031 case scenario
    10:15 - What are the rules for a 1031 exchange?
    12:44 - The other caveat on 1031 exchanges
    17:00 - Rick's company & website
    18:00 - What is the Delaware Statue Trust?
    19:30 - What is a Delaware Land Trust?
    21:20 - Reverse 1031s & what that means
    23:00 - The normal process of a 1031 exchange
    24:55 - The Dream Home Act
    28:28 - About Rick & how to contact him

    Special Guest:
    Rick Wittstock - Vice President / Account Executive at IPX1031:
    With over 20 years in sales, business development, real estate and residential mortgages, Rick Wittstock brings a wealth of vast knowledge and experience to IPX1031. As Vice President and Account Executive for Investment Property Exchange Services, Inc., he offers 1031 continuing education classes throughout Arizona and New Mexico to investors, real estate agents/brokers, attorneys, accountants and financial planners. Rick’s expertise of 1031 Exchange rules, 1031 regulations and 1031 strategy, coupled with impeccable service allows him to efficiently and easily guide clients through a seamless tax deferred 1031 Exchange transaction. Rick holds a Business Management degree from Dalhousie University in Nova Scotia, Canada.

    Phone: (602) 224-8818
    Email: rick.wittstock@ipx1031.com
    Website: https://www.ipx1031.com/locations/name/rick-wittstock/

    Listen 📻 to the full show anywhere you stream podcasts!
    If you enjoyed this show please Like💖, Subscribe & Rate⭐us!

    • 32 min
    Episode 89: Homeownership🏠 As A Hedge Against Inflation

    Episode 89: Homeownership🏠 As A Hedge Against Inflation

    We are back with our 3 sponsors 😄 and expert guests Joe smith of Epic Mortgage, Tara Krieg of AmeriFirst Financial, and Anthony Penna of Navi Title. With interest rates rising📈, investors flooding the housing market, and the horrible conflict going on in Ukraine we needed to come back and discuss the impact it is having on our already crazy 🤯 market! We will also be covering some Cromford stats and what our predictions are for the rest of 2022 🏠 so tune in!

    Listen & Learn:
    1:00 - Rebecca Intro's Joe, Tara, & Anthony
    3:00 - Top 20 sources in in-migration to metro Phoenix
    6:50 - Average sales price in Maricopa County
    7:30 - Recap of previous show predictions
    11:29 - Joe's thoughts on the market today compared to Jan.
    12:00 - Interest rate changes since Jan.
    13:30 - What is stagflation?
    15:00 - Anthony's thoughts on how the Russia conflict will impact our market
    17:00 - Monthly Cromford stats
    23:30 - Anthony's post about the change of home prices
    25:40 - Homeownership is a hedge against inflation
    30:00 - Home price forecast 2022
    31:40 - Rebecca's predictions for the market going forward
    35:00 - Joe's predictions for the market going forward
    36:00 - Tara's predictions for the market going forward
    38:15 - Anthony's predictions for the market going forward
    39:30 - Rising rental prices in AZ

    Special Guests:
    Anthony Penna – Director of Sales & Marketing at Lawyers Title
    “There is nothing more satisfying than helping people achieve their goals by providing them with opportunities to excel in their business. It’s an awesome process that I feel very fortunate to be a part of.” Navi Title Agency is an Arizona-based full-service title agency. They offer competitive escrow and title solutions complemented by a strong tradition of grassroots standards.

    Phone: 602-510-8848
    Email: apenna@navititle.com
    Website: www.navititle.com/

    Joe Smith – Owner/Broker of Epic Mortgage
    Joe Smith first started in the mortgage business in 2002 as a loan officer. He quickly established himself as a top producer, eventually managing the state of Arizona for a top 10 mortgage lender. After 17yrs in traditional retail banking, working for many top companies in the mortgage business he decided to make a jump to becoming a mortgage broker himself. Currently, Joe is the Broker and Owner at Epic Mortgage and is definitely someone you’re gonna want to go to for advice on lending!

    Phone: 602-741-4121
    Email: joe@myepicloan.com
    Website: www.myepicloan.com

    Tara Krieg – Senior Loan Officer at AmeriFirst Financial
    Licensed to provide mortgages and loan programs for homeowners and buyers within Arizona, she has over 12 years’ experience in all aspects of real estate finance, real estate investing, mortgage planning, and business planning. Her specialties include loan origination, credit education, mortgage-related financial consulting and planning, and personal coaching of Junior Loan Officers.

    Phone: 480-344-1951
    Email: tkrieg@amerifirst.us
    Website: www.tkteam.us

    Follow us on Facebook @GratefulHeart.Tv 😄
    Listen to 🎧 the full show anywhere you stream podcasts!

    • 42 min

Customer Reviews

5.0 out of 5
12 Ratings

12 Ratings

kellyjgrace ,

Real Estate, Business & Life

Rebecca covers the gamut of both business and life topics with a wide array of guests. Wanna know if solar is a good buy or what’s in the future for Real estate? This show has the answers and it all comes from a place of gratitude.

Amanda Durocher ,

Highly Recommend!

Great podcast filled with helpful information that I wouldn’t know without this podcast. Thanks Rebecca!

Barbara Steve ,

Great podcast.

Love this show!

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