U.S. Home Talk

Jason Walgrave
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  • Investing
  • Updated Weekly

U.S. Home Talk is your resource to the real estate market, mortgages and home improvements. U.S. Home Talk will cover a variety of related topics that will prove educational, informative, and entertaining, including New Construction, Investing in Real Estate, Selling in Today's Market, Mortgage and Credit Scores, Financing, Luxury Homes, and more. Jason Walgrave with The Minnesota Real Estate Team and RE/MAX Advantage Plus will provide the “insiders” perspective on real estate topics that are headlining the news, and relevant to our listeners. Jason and his Team have developed an extensive network of industry specialists that will join the show to address specific topics each week. Mike Ouverson will present a mortgage market update each week. Listeners are welcome to call in live and ask the experts what you want to know about real estate and related topics. You are also encouraged to send us questions or comments via e-mail. All questions that are asked will be answered.

  1. 6d ago

    Why Ramblers Are Ranches In Disguise

    Your favorite home style is never just a “look” it’s a set of tradeoffs you live with every day. We’re Marcus and Jason Walgrave, and we’re breaking down America’s most popular architectural styles with a real estate lens, comparing what we actually see on the ground in Sioux Falls, South Dakota versus the Twin Cities in Minnesota. If you’re buying a house, selling, investing, or planning new construction, this helps you spot the details that affect value, function, and long-term upkeep.  We run through Colonial Revival symmetry, mid-century modern lines, and why Craftsman homes keep winning hearts across generations. We also get into the ranch style home (and why many Midwesterners call it a “rambler”), including how builders blend styles to create modern ranch and ranch-Craftsman hybrids that fit today’s lots and buyer preferences. Then we shift into Prairie style and its Frank Lloyd Wright influence, plus Tudor and Cape Cod homes that show up differently depending on neighborhood age and local demand.  You’ll also hear a fast, practical legal minute on encroachments and how an encroachment and easement agreement can prevent a future cloud on title when a survey reveals a shed or porch crossing a property line. And if you’ve ever admired a slate roof, our insurance perspective explains why “different than normal” materials can limit carrier options and push you toward boutique insurers. We close with Victorian homes, where breathtaking millwork meets real questions about maintenance, layout, and cost. If this was helpful, subscribe, share it with a friend who’s house hunting, and leave us a review. You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

    Why Ramblers Are Ranches In Disguise

  2. Jul 1

    What Your House Quietly Signals To Thieves

    A burglar rarely “targets” a home the way people imagine. Most of the time, they notice a signal, an easy opening, a dark house, an uncut lawn, a patio door that looks forgotten and they take the chance. So we get concrete about home security and share anti-burglary tips for sellers and homeowners that you can actually use, whether your place is listed, sitting vacant, or you are simply heading out of town. We start with the outside: property maintenance that makes a home look lived in, not empty. Then we talk about the human layer of safety: neighbors who know your normal patterns and can spot something off. From there, we do a practical vulnerability check around doors, windows, and walkout basement entries, plus why lighting is still one of the strongest deterrents. Timers, smart bulbs, music, and other simple tech can create “occupied” cues that make a thief move on. We also hit the basics that people still skip: locking doors, reinforcing locks, and using loud security sirens. We dig into affordable surveillance cameras and doorbell cameras, and we end with a smart move most people delay: recording and marking valuables so you are not guessing during a police report or insurance claim. Plus, Jeff O’Brien’s legal minute covers Minnesota well disclosure requirements you need to know before closing. Subscribe, share this with a friend who travels, and leave us a review. What is your go-to move to make a home feel impossible to mess with? You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

    What Your House Quietly Signals To Thieves

  3. Jun 24

    What If Stability Is The Best Investment

    Rent keeps rising, and it can feel like your housing payment disappears the moment you send it. We dig into a different way to look at the decision: what if your monthly payment could help you build wealth, buy you more freedom, and give your family real stability over time? We walk through the most important benefits of homeownership in plain language, starting with the money side. We talk about potential tax benefits like mortgage interest write-offs (and why even high-net-worth buyers sometimes take a home loan), plus the long-run power of home price appreciation. Then we get practical about equity: how paying down principal turns a required living expense into ownership, and how that can function like a ready-made savings plan as the years go by. We also cover predictability, because a fixed-rate mortgage keeps principal and interest steady even as rents trend upward over decades. From there, we shift to the lifestyle wins: the freedom to paint, remodel, and truly make the space yours, along with the stability of staying in one neighborhood long enough to build real community ties. And if you’re considering a condo or townhome, our legal minute highlights an important protection: your right to cancel after receiving required disclosures under Minnesota law. If you found this helpful, subscribe, share the show with a friend who’s weighing rent vs buying, and leave a review so more people can find U.S. Home Talk. You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

    What If Stability Is The Best Investment

  4. Jun 17

    Eight Mortgage Myths That Still Trip Up Buyers

    The mortgage world is full of “common knowledge” that quietly costs buyers time, money, and confidence. We sit down with Jason Walgrave and Marcus Walgrave to pull apart eight of the most persistent mortgage myths and replace them with what actually happens when a lender underwrites a real loan in today’s market. We start with the big one: you do not need 20% down to buy a house. We talk through real low down payment options like VA loans, USDA Rural Development (yes, “rural” can be closer to the metro than you think), FHA at 3.5% down, and conventional loans as low as 3% down. We also explain how gift funds work, why gift of equity can be a powerful tool in family transactions, and how PMI (private mortgage insurance) is priced by risk rather than being one expensive flat fee for everyone. Then we get into credit and approvals. No, you don’t need “perfect” credit, and we break down how automated underwriting looks at your whole profile, not just a score. We also cover the truth about credit pulls, including the mortgage shopping window, plus what not to do before closing. There’s even a practical furniture-buying workaround that helps you avoid wrecking your loan while still locking in what you want for move-in day. We wrap with the myths that trip up experienced buyers too: pre-qualification vs pre-approval, why the lowest interest rate is not always the best loan, and why working with the right lender and real estate team can make or break the entire transaction. If you found this helpful, subscribe, share it with a buyer who’s feeling stuck, and leave a quick review so more people can find straightforward mortgage guidance. You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

    Eight Mortgage Myths That Still Trip Up Buyers

  5. Jun 10

    Ways you are Accidentally Improving your Credit Score

    Credit doesn’t just decide whether you get approved for a mortgage, it quietly shapes what you pay and what options you have long before you’re house hunting. We talk through the real ways a credit score shows up in everyday life, from home insurance pricing to employment checks, and why waiting until you “need” credit is usually too late. We get practical with a set of habits that can improve your FICO score without games or gimmicks: keeping older credit cards open to preserve credit history, avoiding repeated hard inquiries from store card offers, and managing credit utilization so one high balance doesn’t drag you down. One of the most useful takeaways is a simple timing move for credit cards: if you pay after the statement cuts, the statement balance can still report high even if you never pay interest. Shift the payoff to before the billing cycle ends and you can keep the rewards while reporting a cleaner balance. We also cover piggybacking as an authorized user to help someone build credit quickly, plus the confusion around FICO vs VantageScore when you check scores online. Along the way, we share why checking your credit report matters, how mistakes happen, and how monitoring or freezing credit can help protect you from fraud. If this helped you, subscribe, share it with a friend planning a move, and leave a review. What’s the one credit habit you want to change first? You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

    Ways you are Accidentally Improving your Credit Score

  6. Jun 3

    What If Your Biggest Energy Leak Is Habit

    Your summer utility bill is not just about the weather, it is about the small decisions that stack up every single day. We sit down and build a simple, realistic plan for lowering electricity and water costs while still keeping your home comfortable through Minnesota heat swings. If you have ever wondered whether an HVAC tune up is worth it, how often you really should replace an air filter, or why one sunny room turns into an oven, we get into the details that actually change the numbers. We walk through practical home energy efficiency moves you can start this week: scheduling annual AC maintenance, keeping furnace filters and vents clean, and tackling dryer vent cleaning for both energy savings and safety. From there we talk shading strategy, why closing blinds at the right time matters, and how smart thermostat schedules can reduce cooling costs without buying into the myth that setbacks “waste” energy. We also cover easy upgrades that pay back quietly, like switching to LED bulbs, running ceiling fans the right direction, and checking with your electric company about off peak rates for things like EV charging or water heating. On the water side, we dig into irrigation system leaks, broken sprinkler heads, and why “set it and forget it” watering schedules can punish your budget. Plus, our legal minute with attorney Jeff O’Brien highlights the Minnesota Radon Awareness Act and the disclosures required in residential real estate transactions. If you found this helpful, subscribe, share the episode with a homeowner friend, and leave a review with your best tip for saving on utility bills. You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

  7. May 27

    The Mortgage World Has Secret Menus

    You can have an 800 credit score, real money for a down payment, and steady cash coming in every month and still get told “no” because your tax returns do not tell the story lenders want to see. We dig into the mortgage reality behind that disconnect and explain why “not W-2 friendly” does not mean “not mortgage ready.” If you are self-employed, paid on a 1099, or building a rental portfolio, there are home loan programs that may fit better than the standard conventional loan playbook. We walk through bank statement loans and how lenders use business deposits to estimate qualifying income without relying on tax returns. We also cover 1099-only mortgage programs that can be especially helpful for real estate agents and independent contractors, including how income is calculated and why these loans usually come with higher interest rates and stricter down payment requirements than government-backed options. Then we shift to real estate investing and DSCR loans, where the property’s rental income is the centerpiece. If the rent supports the monthly payment, the deal may qualify even if your personal income documentation is messy. Along the way, we talk through a practical way to compare costs: paying a higher mortgage rate now versus paying significantly more in taxes just to “show” higher income, and how refinancing can factor into your plan. If you know someone who has credit and cash down but thinks the answer is automatically no, share this with them. Subscribe for more straight talk on mortgages and real estate, and if you found this helpful, leave a review and tell us what loan question you want answered next. You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

  8. May 20

    When Selling Your Home Is A Rescue Plan

    Foreclosure talk is back, and we keep hearing the same scary line: “foreclosures are rising.” We slow that down and look at what “rising” actually means when the market is coming off near record lows. If you’re a homeowner feeling squeezed by higher property taxes, rising homeowners insurance, or the general cost of living, the most important move is not panic, it’s clarity: where do you stand on equity, what are your timelines, and what options do you still control? We also dig into recent reporting on a scaled-back borrower assistance program and why changes like tighter eligibility rules can lead to more foreclosures, short sales, or something that caught our attention: a “voluntary sale.” That phrase matters because it’s often the difference between protecting your financial future and losing it. Jason shares a real sheriff sale story where silence cost a homeowner roughly $250,000 in equity, plus the mental toll we’ve seen when people shut down under financial stress instead of asking for help. Then we get practical. We talk through early conversations you can have with the right pros, including appealing a high tax assessment, shopping insurance, and running refinance numbers when mortgage rates dip into the low 6s or high 5s. Mike also explains a strategy we’ve seen work: selling to access equity and wiping out credit card debt to dramatically lower monthly payments. We close with our legal minute on a common Minnesota landlord mistake around accepting partial rent before eviction, and why details in a lease clause can change everything. If you know someone quietly struggling, share this show with them. Subscribe, leave a review, and send us your questions so we can tackle what you’re facing next. You can always find U. S. Home Talk and connect with the hosts and the community at their facebook page https://www.facebook.com/U.S.HomeTalk/ or at our website, USHomeTalk.com

    When Selling Your Home Is A Rescue Plan
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About

U.S. Home Talk is your resource to the real estate market, mortgages and home improvements. U.S. Home Talk will cover a variety of related topics that will prove educational, informative, and entertaining, including New Construction, Investing in Real Estate, Selling in Today's Market, Mortgage and Credit Scores, Financing, Luxury Homes, and more. Jason Walgrave with The Minnesota Real Estate Team and RE/MAX Advantage Plus will provide the “insiders” perspective on real estate topics that are headlining the news, and relevant to our listeners. Jason and his Team have developed an extensive network of industry specialists that will join the show to address specific topics each week. Mike Ouverson will present a mortgage market update each week. Listeners are welcome to call in live and ask the experts what you want to know about real estate and related topics. You are also encouraged to send us questions or comments via e-mail. All questions that are asked will be answered.

Information

  • Creator
    Jason Walgrave
  • Years Active
    2023 - 2026
  • Episodes
    167
  • Rating
    Clean
  • Copyright
    © 2026 U.S. Home Talk
  • Show Website
    U.S. Home Talk