Ep 197 - Divorce & Your Home: Understanding Your Options and Avoiding Costly Mistakes
Release Date: 01/12/2026
Ep 199 - What Happens to the House When Someone Dies? | Arizona Estate Planning
State48 Homeowner Podcast
When someone in your family passes away, the house doesn't disappear. The mortgage doesn't disappear. And the questions definitely don't disappear — who owns it now, does it have to go through probate, what if there's no will, what if the siblings can't agree? In this episode, Scott Kooiman sits down with Trust and Estate Attorney Bryan Holm from Woods Law to answer the questions Arizona families face when a loved one dies and a home is involved. Bryan has guided thousands of families through probate, trust administration, and inherited property decisions. What he shares in this episode...
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e198 - From Renting to Keys in Your Hand: The Arizona Home Buying Journey
State48 Homeowner Podcast
What is the home buying process in Arizona? If you’re renting, thinking about buying, or trying to understand how buying a home actually works in Arizona, this episode breaks it down step by step. In this episode of State 48 Homeowner, Scott Kooiman and Twila Edwards of Klaus Team walk through the Arizona home buying process from start to finish, using real-world examples and today’s market conditions. This episode covers: • Renting vs buying in Arizona • When it makes sense to stop renting • How to choose the right buyer’s agent in Arizona • What a Klaus Team Home Guide does for...
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Ep 197 - Divorce & Your Home: Understanding Your Options and Avoiding Costly Mistakes
State48 Homeowner Podcast
What happens to the house in a divorce? For many homeowners, divorce and real estate collide in painful and expensive ways. The home is often the biggest asset, the biggest debt, and the most emotionally charged part of the divorce process — and it’s where people make the most costly mistakes. In this episode of State 48 Homeowner, host Scott Kooiman of Klaus Team Real Estate Solutions sits down with family law attorney Marco Brown, founder of Brown Family Law, to explain what homeowners need to understand about divorce and your house — before emotions and assumptions lead to years of...
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Ep. 196 - Everything You Need to Know About Co-Signing a Loan (Before You Say Yes)
State48 Homeowner Podcast
Co-signing a loan often comes from a place of support — whether you’re trying to help a family member or friend qualify for a car, student loan, or even a mortgage. But before you put your name on the dotted line, it’s important to understand what co-signing really means for your credit, financial future, and relationships. In this episode of State 48 Homeowner, we break down how co-signing works, the legal and financial responsibilities involved, and why it may have more consequences than benefits — even when everything goes right. We’re also joined by Steve Farrington, our lending...
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Ep. 195- Top 5 Home Remodels That Add the Most Value in Phoenix, Arizona (2025 Guide)
State48 Homeowner Podcast
Thinking about remodeling your home in Phoenix, Mesa, Gilbert, or Chandler? 🏠 Before you spend a dime, find out which home improvement projects actually increase your home’s value in Arizona — and which ones don’t. In this episode of State 48 Homeowner, host Scott Kooiman and the experts at Klaus Team Real Estate Solutions reveal the Top 5 Home Remodels That Add the Most Value in Phoenix for 2025. Based on real local data, buyer behavior, and first-hand stories, you’ll learn where to invest for the best return on your remodeling budget. 💡 You’ll Learn: The five remodels with...
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Ep. 194 - Homebuyer Myths: Down Payments, Credit Scores, and Assistance
State48 Homeowner Podcast
Do you really need 20% down to buy a house? What credit score do you actually need to qualify? And how do down payment assistance programs really work? In this episode of the State 48 Homeowner Podcast, Scott Kooiman is joined by Steve Farrington and Twila Edwards from the Klaus Team to bust some of the biggest myths keeping first-time buyers from becoming homeowners. They cover the truth about down payments, loan options like FHA, VA, and USDA, how credit scores impact your approval, and the role assistance programs can play in making homeownership possible sooner than you think. If you’re...
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Ep. 193 - First Steps to Buying a Home: Why Pre-Approval Comes First
State48 Homeowner Podcast
The #1 mistake first-time homebuyers make? House hunting before getting pre-approved. In this episode of the State 48 Homeowner Podcast, Scott Kooiman sits down with Steve Farrington and Twila Edwards from the Klaus Team to explain why pre-approval is the crucial first step in the homebuying process. You’ll learn: * Why pre-approval saves you time, money, and stress * How pre-approval helps you shop with confidence in the right price range * The difference between pre-qualification and pre-approval * How agents and lenders work together to strengthen your offer * Why communication between...
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Ep 192 - Avoiding Arizona Property Tax Surprises and Title Fraud
State48 Homeowner Podcast
Are your Arizona property taxes going up even though home prices are dropping? Confused by that annual assessment notice? Or worried about title fraud, especially if you own land? You’re not alone — and we’ve got answers. In this episode of State 48 Homeowner, Scott Kooiman sits down with Maricopa County Assessor Eddie Cook to break down exactly how property tax values are calculated, what FCV and LPV really mean, and how to appeal your valuation if it seems off. Then, Alysia Moore from Fidelity National Title joins the conversation to reveal how title fraud is exploding in Arizona,...
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Ep. 191 - 7 Cool Things to Do to Beat the Summer Heat in Arizona
State48 Homeowner Podcast
Arizona summers are no joke—but you don’t have to stay stuck inside! This month on the State 48 Homeowner podcast, we share 7 fun and refreshing ways to escape the heat without leaving the state. Whether you're craving a splash, a scenic mountain escape, or an indoor adventure for the whole family, this episode is packed with local tips to keep your summer cool and exciting. From tubing the Salt River to exploring interactive museums and planning a weekend up in Rim Country—this is your go-to guide for making the most of an Arizona summer. Water parks like Sunsplash, Great Wolf Lodge,...
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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...
info_outlineWhat happens to the house in a divorce?
For many homeowners, divorce and real estate collide in painful and expensive ways. The home is often the biggest asset, the biggest debt, and the most emotionally charged part of the divorce process — and it’s where people make the most costly mistakes.
In this episode of State 48 Homeowner, host Scott Kooiman of Klaus Team Real Estate Solutions sits down with family law attorney Marco Brown, founder of Brown Family Law, to explain what homeowners need to understand about divorce and your house — before emotions and assumptions lead to years of financial fallout.
We break down:
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What really happens to the house in a divorce
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Common misconceptions about keeping the house after divorce
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How Arizona community property law treats the marital home
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Divorce housing options: selling the home, one spouse keeping it, or deferred sale
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How equity, debt, and property division are handled
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Why co-ownership, nesting, and “we’ll figure it out later” usually fail
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What happens when one spouse refuses to cooperate or move out
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Court-ordered home sales and forced resolutions
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Why walking away emotionally before finances are settled is dangerous
You’ll also hear a critical mortgage and lending reality check from Steve Farrington of Unity Home Loans, explaining:
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How divorce affects mortgage qualification
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Debt-to-income ratio issues during divorce
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Using spousal support as qualifying income
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Refinancing after divorce — and what happens when rates are higher
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Credit risks when you’re still tied to the mortgage
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How missed payments impact both spouses
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How to protect yourself financially during a divorce
Before you make a decision — especially in a moment of stress — it’s critical to talk to professionals who understand how family law, divorce mortgages, and real estate intersect.
This episode is part of our “When Things Go Wrong” series, covering what happens to your home during divorce, death, disability, and major life transitions — so homeowners can make informed, confident decisions when it matters most.