Ep 165 Refinancing Your FHA Loan Will Save You Money - Streamline Refi
Release Date: 09/30/2024
Ep. 190 - Cooking with Cast Iron | Bison Steak Recipe Perfect Sear Easy Clean-Up
State48 Homeowner Podcast
What do bison steak, roasted asparagus, and Grandma’s cast iron skillet have in common? They all come together in this flavorful, no-fuss episode of State 48 Homeowner. Join Scott as he dives into the magic of cast iron cooking — from how to season and care for your pan to exactly how to cook a restaurant-quality bison ribeye at home. You’ll learn why cast iron is the kitchen tool that just keeps getting better, how to use it without fear, and why it may be time to rescue Grandma’s pan from retirement. In this episode: * Why cast iron is the best tool for high-heat cooking * How to...
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Ep 189 - Is It a Good Time to Buy or Sell? Arizona Housing Market Update 2025
State48 Homeowner Podcast
Are home prices going up or down? Are interest rates finally coming down? Is now the right time to buy or sell your home in Arizona? In this special episode of the State 48 Homeowner Podcast, we’ve taken the best moments from our live stream market update and distilled them into a fast-paced, information-packed conversation about the current state of the East Valley real estate market. Join Scott Kooiman of the Klaus Team, Steve Farrington of Unity Home Loans, and Realtors Kraig Klaus and Twila Edwards as they discuss: * Inventory trends and what they mean for prices * The truth behind...
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Ep 188 - The Good, the Bad, and the Ugly of HOAs.
State48 Homeowner Podcast
HOAs: love ’em or hate ’em, they can make or break your experience as a homeowner—especially when it comes time to sell. In this episode of the State 48 Homeowner Podcast, we’re diving into the good, the bad, the ugly—and the downright deal-killing—side of homeowners associations in Arizona. 🏡 You’ll learn: • What HOAs are supposed to do (and when they work well) • How Arizona law handles HOA overreach • How to work with (or around) your HOA • Arizona laws that protect homeowners—and where they fall short • Real stories from East Valley homeowners navigating...
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Ep 187 - The Low Rate Time Machine - Assumable Loans
State48 Homeowner Podcast
What if you could travel back in time and take over a mortgage with a 2.25% interest rate? In this episode of State 48 Homeowner, we break down the power of assumable loans—a real estate strategy that lets homebuyers "assume" the low-interest mortgage of a home seller. We’ll walk you through two real-world examples in Mesa and Chandler, Arizona, where VA assumable loans can save buyers hundreds per month. You’ll also hear expert insights from Raunaq Singh, CEO of Roam, and Mike Roberts of UMe Projects, who explain how these loans work, how to qualify, and how both buyers and sellers...
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Ep 186- Smart Garage Update in Minutes that Can Protect Your Home and Packages
State48 Homeowner Podcast
Worried you left your garage door open again? Tired of porch pirates stealing your packages? In this episode of State 48 Homeowner, we break down how the myQ Smart Garage Control can protect your home, automate your deliveries with Amazon In-Garage Delivery, and add real peace of mind for Arizona homeowners. Learn about real-world installation tips, Amazon’s recent changes to their Amazon Key program, and why securing your garage door is one of the smartest things you can do for your home and family. Thinking about buying or selling in Arizona? The Klaus Team has been helping Arizona...
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Ep 185 - How to Prepare your Home for a Home Inspection - with Guest Paul Stratton of Stratton Inspections
State48 Homeowner Podcast
A great home inspection can make or break the sale — and today, we’re giving you the inside scoop on how to pass with flying colors! Join us with our special guest Paul Stratton of Stratton Inspections as they break down what inspectors are really looking for and what sellers can do to prepare. We’ll walk you through the essential checklist, the most common inspection pitfalls, and simple, affordable fixes you can make before the inspector shows up. Whether you’re selling in Maricopa County, Pinal County, or anywhere across Arizona, this episode of the State 48 Homeowner Podcast will...
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Ep 184 - Are You Letting Your Home’s Equity Go to Waste? Turn It into Wealth!
State48 Homeowner Podcast
Are you sitting on a gold mine without even knowing it? In this episode of State 48 Homeowner, we show you exactly how to leverage your home’s equity for maximum financial gain—whether it’s paying off high-interest debt or investing in your future through real estate. Discover why now might be the perfect time to tap into your home’s hidden potential. Key Topics & Takeaways Understanding Equity: See how to calculate your equity and turn it into a real financial asset. Debt Elimination: Reduce (or eliminate) high-interest credit card debt and personal loans by using lower-interest...
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Ep 183 - The Ultimate Ten Minute Guide to Moving to Arizona in 2025
State48 Homeowner Podcast
Thinking about moving to Arizona? Whether you're drawn to the sunshine, the booming job market, or the stunning landscapes, there’s a lot to know before you pack your bags. This is The Ultimate Ten Minute Guide to Moving to Arizona in 2025, packed with everything you need to know before making the move—all in under ten minutes! What You’ll Learn: • The best cities and neighborhoods in Arizona for your lifestyle • The current housing market and what to expect when buying a home • How to adapt to desert life, from handling the heat to exploring the outdoors • The biggest mistakes...
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Ep 182 - Secret Tips to Cut Your Grocery Bill
State48 Homeowner Podcast
Tired of spending more than you planned on groceries? In this episode of State 48 Homeowner, we share practical ways to slash your grocery bill without sacrificing quality. Discover how to spot hidden costs at the store, master meal planning for the week, and use coupons effectively—even if you’re not an extreme couponer. We’ll also explore easy techniques like freezing items you buy in bulk and shopping your pantry before you hit the store. What You’ll Learn: • How to identify and avoid impulse buys and convenience fees • Simple meal-planning ideas to reduce waste and keep your...
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Ep 181 - Sustainable Living in the Desert: Arizona Innovations
State48 Homeowner Podcast
Curious about how to manage water wisely and reduce utility costs in Arizona’s arid climate? In this episode of State 48 Homeowner, we are joined by Arizona State Corporation Commissioner Kevin Thompson and Mesa City Vice Mayor Scott Somers to discuss the latest innovations in sustainable living. Learn about xeriscaping, gray water harvesting, and creative design techniques like passive solar and basement homes. Discover real-world examples of community gardens, advanced water recycling, and policies that are shaping the future of sustainability in Arizona. Whether you’re a long-time...
info_outlineRefinancing Your FHA or VA Loan to Save Money | Streamline Refinance Explained
In this episode of the State 48 Homeowner podcast, we break down how refinancing your FHA or VA loan can significantly reduce your monthly payments and save you money in today's high-inflation environment. Host Scott Kooiman and mortgage expert Steve Farrington walk through the Streamline Refinance option, a powerful but often overlooked tool that allows homeowners to lower their interest rates without the need for equity, credit checks, or appraisals.
Learn how a Streamline Refinance works, who qualifies, and how this hassle-free process can help you combat rising costs and keep your mortgage payments manageable. Whether you purchased your home recently or a few years ago, now might be the perfect time to explore this refinancing strategy and lock in lower rates.
Key Topics Covered:
● What is a Streamline Refinance for FHA and VA loans?
● How to reduce your interest rate without needing equity.
● The step-by-step process for Streamline Refinancing—no appraisals, no credit checks, and limited documentation required.
● Why this option is perfect for homeowners with government-backed loans and interest rates above 6.5%.
● How real-life homeowners are saving hundreds of dollars per month through Streamline Refinance.
● How to know if you qualify and get started with just a 15-minute call.
Why You Should Watch: If you're an FHA or VA loan holder, this episode is a must-watch! Get all the details on how to reduce your mortgage payments easily and quickly with a Streamline Refinance. Whether you're trying to offset rising insurance or tax costs or simply want to pay less on your loan each month, this episode has all the answers you need.
About Our Experts: Scott Kooiman and Steve Farrington bring decades of experience in real estate and mortgage lending. As trusted Arizona real estate professionals, they are dedicated to helping homeowners navigate the complexities of the housing market and find ways to save money.