Real Estate Radio LIVE

From the beginning of the COVID pandemic, people stayed home and refused to leave unless it was absolutely necessary. As a result, real estate suffered along with almost every aspect of the economy. Now that the economy is opening, people are cautiously settling into normal life as they go about their business. Will the market tick up with consumers picking up and running for the hills or delay their transaction for a later date? Today Joe chats with Central Coast realtor Taylor North about the immediate future of real estate.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

During a recession, small businesses have the advantage of control large businesses have the advantages of large budgets or government backing. Caught in the middle of these businesses are companies that seem big, but are getting hammered by costs out of their control and don’t have the depth of major companies. Who is going to help these middle-tier companies through this depression-like period when customers, investors, and the government are not showing up? Today Joe and Jack explain why companies caught in the middle are the most at risk of going under.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

This week many cities across the US started phase 1 of relaxing restrictions and reopening the economy. It’s a big step towards normalcy that we have been looking forward to, even if there are new rules to follow. Council Member Johnny Khamis calls in today to talk about San Jose’s phase in, and the effect COVID-19 has had on business. Topics include:

• Measure E update
• The war on reopening
• Disaster recovery funding
• Protesting
• What phase 2 will look like & how long till we get back to normal
• Personal privacy invasion
• Will tech lead to a more rapid recovery?

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Normally by now we are entering the thick of the buying and selling season and keeping a watchful eye on the market. Due to the current environment, many of us are only just beginning to settle back into something resembling normal life. You’ve likely seen more Sale Pending signs around the neighborhood, but what does that say about the market? Do buyers finally have a glut of inventory to choose from as sellers flee the area or are sellers hanging on forcing buyers to take what they can get. Today Joe and Mike take a much-needed look at the market. Other topics include:

• Updated guidelines for showing and listing homes
• Will this recession affect home values?
• Supporting your local restaurants and small businesses
• Real estate and lending after the pandemic
• Appraisals

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Netflix, Facebook, Google – These are all companies deemed too big to fail. Ideally these companies grow based on infrastructure with fixed costs and are not reliant on fluctuating employee headcount. Where business loyalty keeps startups from going under, strong revenue coupled with conservative accounting and cash management will keep large businesses afloat as we ride out the COVID pandemic. Topics include:

• Automation & inventory
• Scaling with profit on a continuous basis
• Infrastructure substituting for the people during a disruption
• The three types of businesses too big to fail

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Every week brings something new to the way we buy and sell real estate. As always, we aim to provide you will all the current information you need to make educated decisions. Today Joe provides a quick snapshot of what is going on with Silicon Valley real estate and lending and its relation to COVID-19. Topics:

• All-time low lending rates and other reasons to buy now
• New California guidelines for showing properties
• Paralyzed buyers & going back to a sellers’ market
• Cash out transactions

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Too small to fail? Running a small business during a crisis means finding out who is loyal to you and your business and how loyal you want to be back to those whose loyalty waivers. From a business planning point of view, a small business can accomplish a lot during these times by figuring out what they want to do and who they want to do it with. Loyalty boils down to people, whether they are on the supply side or the buy side, and when things get tough the question of who the real partners are gets answered. Topics include:

• People who are loyal and stay with the business
• Customers who are loyal and stay with the business
• What happens to infrastructure?

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

We stayed home and flattened the curve, and while we are ready to get back to work, coronavirus has changed the way we do things. Today Joe has gathered Silicon Valley’s finest real estate and lending professionals to discuss the major issues that have taken place in the real estate and lending industry:

Chris Trapani, Founder & CEO – The Sereno Group

Nancy Robinson, Regional Vice President - Coldwell Banker Realty

Mark von Kaenel, Bay Area Operating Partner – Keller Williams

Rick Arvielo, CEO - New American Funding

Brian Crane, CEO – Intero Real Estate

Don Yoakum, Bay Area Team Leader - eXp Realty

Jordan Levine, Deputy Chief Economist – California Association of Realtors

Listen in as our group of esteemed panelists discuss how they are adjusting, adapting, and succeeding coming out of COVID-19 pandemic. Topics:

• Embracing technology
• Motivation and training in this environment
• Lending and jumbo loans nerves
• Post COVID measures
• Effects on agents and consumers
• Disruptive businesses

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

It’s time for another round of COVID related market updates. There are all kinds of things affecting the market day to day and people need to know what interest rates are doing and what the buyer and seller markets are like. Getting prepared now can make a huge difference for the day when you want to lock in and make things happen. Listen in and keep track of what is happening in a volatile market so you can continue to make informed and educated decisions about your real estate.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

It’s time for another round of COVID related market updates. There are all kinds of things affecting the market day to day and people need to know what interest rates are doing and what the buyer and seller markets are like. Getting prepared now can make a huge difference for the day when you want to lock in and make things happen. Listen in and keep track of what is happening in a volatile market so you can continue to make informed and educated decisions about your real estate.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Much of the world as we know it has come to a grinding halt due to public health concerns. As we navigate the challenging times COVID-19 has brought upon us, it’s more important than ever to make educated decisions with as much information as possible. Since people will always need homes and money, real estate and lending professionals stand ready to help those in their community, but there are a few differences to how things are done now. Tune in as Joe Cucchiara explains what adjustments have happened since coronavirus changed the game.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Changes are taking place on a daily basis, if not on an hourly basis. What hasn’t changed is your access to money. Lending and real estate have been deemed essential businesses so sales, purchases and refinances are still taking place. Today Joe shares how real estate and financing have changed in just one week. Topics include:

• Lenders having to artificially raise interest rates between delay in appraisals and market volatility
• More conservative lending
• Confusion around mortgage forbearance
• Real estate purchase and listing guidelines
• Financial housekeeping

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

In the midst of a pandemic, it’s important that we help each other out. While some of us get to work from home and binge watch our favorite shows, many people in our community have been laid off or furloughed with an indeterminate ending. Now is the time to get granular about how we can help our neighbors who otherwise wouldn’t need assistance with financial situations. Do your part and pass this podcast along to one of the millions of people whose job have been affected by COVID-19 and need help staying afloat.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

COVID-19 has disrupted life around the globe and the subject is sure to have given many people a headache by now, but there has never been such a thing as being prepared with too much information. Like just about everything, this virus has left its mark on the real estate and lending market and few are confident in our expectations following this crisis. So how is COVID-19 affecting real estate and lending now, and what possible effects we may feel from it in the coming months?

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

You may not be aware of it, but last week interest rates hit an all time low. Homeowners on the lookout were ready to refinance and lock in rates in the crazy low three percent range. However, something bizarre has happened in the market place and rates shot up suddenly over the last 48 hours leaving many of us scratching our heads. Today Joe tries to clear up the recent craziness in the market and simplify the complicated reason behind the rapid rate increase.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

At its very core, the Growing Your Business series with Jack Russo has largely revolved around companies based on people and science. Combining the two under ReImagine Science, Dr. Kennan Salinero is tackling the issue of building a better scientist for better science by breaking the norms of the bureaucracies that drive grants and research. Creating a more democratized system for creating new value in the form of experiments and research is something that benefits citizens longing for change. Listen in as Joe, Jack and Dr. Kennan discuss how to build a better scientist for better science and the citizens it serves.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Your wallet is under attack! There is a lot of noise out there with advertisers constantly jockeying for your attention that it can be downright tiresome before you even head home for the couch. Here on RERL you won’t find us selling you the latest craze, we believe in educating you on products and programs we truly believe in so you can decide if it is right for you. Today it’s all about Bundle Select, the employee real estate platform that employees are benefiting from all over the world. Also in discussion:

• What’s going on in the market? 
• The Feds and the prime lending rate
• How rates benefit the purchase market

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Coronavirus is spreading rapidly and keeping more consumers inside their homes, but you wouldn’t know it looking at the Bay Area’s housing market. Most listings are generating a lot of activity and more homes are slowly coming onto the market. Right now interest rates are the hitting historic lows, which doesn’t necessarily mean low mortgage rates right away. With the Feds lowering prime lending rates it’s not only affects the refinance market, but the purchase market to. Today Joe and Mike provide a better understanding to prime lending rates and the market.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

If you’re running a business, you have to view the business as a separate entity and a new legal being. Whether you work with a partner or are venturing out solo, you will most likely be advised to form an LLC (Limited Liability Company). Forming an LLC is a relatively inexpensive process, but there is some basic hygiene that has to be done, especially if you have shareholders. Today Joe and Jack wrap up their series on complying with the new laws enacted in California this year.

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99

Out of state investing continues to be a hot topic in states where home prices are high and cash flow is limited. Looking at properties out of state is the more logical choice for consumers looking to build a diversified portfolio with real estate. Today Joe and Mike cover a checklist to guide investors through the process of investing in out of state properties.

• Know your strategy and goals before purchasing a property
• Where is your financing coming from?
• 1031 market research
• Multiple properties
• Turnkey providers & property managers
• Visiting your intended property

If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture.

All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99