138 - Stepping Up to the Plate in Today’s Housing Market W/ Paul Valle
Release Date: 09/01/2026
140 - The 4-Step "Wealth Wheel" Every Homebuyer Needs W/ Zac Hayes
TMA Connection
In this deep-dive episode of The TMA Connection, Tim Markland welcomes back 4-time guest and preferred lender Zac Hayes to discuss his major move to Envoy Mortgage and what today's buyers must understand to navigate 2026's housing market. Zac breaks down the heavy hidden cost of "waiting for interest rates to drop"—explaining why sidelined buyers face exploding home prices and fierce bidding wars the moment rates decrease. He unveils the 4-part "Wealth Wheel" financial framework (from maxing retirement matches to maintaining emergency reserves), details why 15-year and 30-year rates behave...
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139 - The Networking Secrets That Grew the Harford Chamber W/ Chris Rives
TMA Connection
🎧 Sponsored Partner Message The Harford County Chamber of Commerce celebrates 50 years as your voice for business. Membership provides your business with the tools you need to ensure your business is advocated for, educated on key issues, and connected to the people and resources necessary to thrive and shape the county’s vibrant economy. Learn more and become a member at In this candid and inspiring return episode of The TMA Connection, Tim Markland sits down with Harford County’s networking MadMan, Chris Reeves (Growth and Development Director for the Harford County Chamber of...
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138 - Stepping Up to the Plate in Today’s Housing Market W/ Paul Valle
TMA Connection
In this episode of The TMA Connection, Tim Markland sits down with Paul Valle—veteran sports broadcaster (host of The Bat Around on PressBox) and mortgage loan officer with Main Street Home Loans. Paul dispels the biggest misconceptions crushing homebuyers in today's market, from the persistent myth that you need 20% down to the difference between your down payment and total cash to close. He explains why shopping strictly for the lowest advertised rate is a trap, breaks down creative financing programs like DSCR loans for investors and bank statement loans for self-employed buyers, and...
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137 - The 2nd Annual Eric Webber Memorial Softball Tournament W/ Dan Webber
TMA Connection
In this special live episode of The TMA Connection, Tim Markland sits down with fellow team member Dan Webber to announce and break down all the details for the 2nd Annual Eric Webber Memorial Softball Tournament, taking place on Saturday, September 12th at Bel Air High School. Dan shares how the tournament honors his father Eric Webber, while raising vital funds for Upper Chesapeake’s Cancer LifeNet program and Bel Air High School Athletics. Tim and Dan discuss the expanded 6-team format, corporate sponsorship opportunities off-season team "trades" and drama, and how the community can come...
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136 - The Free Senior Living Guide Every Family Needs W/ Kim Murphy
TMA Connection
In this informative episode of The TMA Connection, Tim Markland sits down with Kim Murphy, Director of Community Outreach at Senior Placements by Patty. With over 25 years of experience spanning executive director roles, admissions, and outreach, Kim acts as an expert, unbiased "matchmaker" for seniors and their families. Kim breaks down the complex world of senior housing—explaining how to evaluate assisted living, memory care, and continuing care retirement communities, as well as uncovering little-known financial assistance programs like VA Aid and Attendance, Maryland’s SLAS subsidy...
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135 - From Ocean Rescue to Risk Management W/ Ed Palumbo
TMA Connection
🎧 Sponsored Partner Message The Harford County Chamber of Commerce celebrates 50 years as your voice for business. Membership provides your business with the tools you need to ensure your business is advocated for, educated on key issues, and connected to the people and resources necessary to thrive and shape the county’s vibrant economy. Learn more and become a member at In this wide-ranging episode of The TMA Connection, Tim sits down with Ed Palumbo of Palumbo Insurance Associates. Ed’s backstory reads like an adventure novel—from running heavy equipment in demolition and...
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134 - Mental Health & Building Wealth W/ Paul Applegate
TMA Connection
In this deeply honest and moving episode of The TMA Connection, Tim Markland sits down with Paul Applegate—former Rutgers shot-putter, 15-year police veteran, and current Edward Jones financial advisor. Paul opens up about the harsh mental toll of law enforcement, his battle with PTSD, and the defining moments that led him to make a courageous mid-career pivot into financial planning. He breaks down why "direction is more important than speed" when fixing your finances, how compound interest really works over time, and why every worker needs an emergency fund and a clear exit strategy....
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133 - Abingdon’s New 60,000 Sq Ft Fitness Resort W/ Melissa Lovell
TMA Connection
In this episode of The TMA Connection, Tim Markland sits down with Melissa Lovell, General Manager of the brand-new OneLife Fitness location being built in Abingdon, Maryland. Melissa shares her journey in the fitness industry—starting from high school work-study programs to overseeing regional operations—and explains why OneLife selected Harford County for its flagship 60,000-square-foot, two-story facility. She breaks down everything members can expect: four dedicated studios (including Les Mills, Mind & Body, Cycle, and Strike martial arts), a 25-yard saltwater pool, cold plunge and...
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132 - Firearms Safety and Market Truths W/ Mike Thomas
TMA Connection
In this high-energy episode of The TMA Connection, Tim Markland brings on Mike Thomas—a certified firearms instructor with Team Grizzly USA and a loan officer with SWBC Mortgage. The episode kicks off with the hilarious and true story of how Tim blindfolded his real estate team and drove them to an undisclosed ravine in for a surprise gun safety clinic. Mike breaks down the essentials of overcoming the initial anxiety of shooting, the "gap vs. gain" mindset, and the non-negotiable rules of firearm safety at home and on the range. He clears up common misconceptions around concealed...
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131 – Don't Hire a Real Estate Agent Until You Listen To This W/ Tim Markland
TMA Connection
In this special solo edition of The TMA Connection, Tim steps into the hot seat alone to drop an educational masterclass on navigating the buying and selling process. Drawing directly on his past experience as a high school teacher at Bel Air High, Tim breaks down the five non-negotiable qualities you need to look for when interviewing a real estate agent. Whether you are a first-time homebuyer or downsizing after 40 years, this episode pulls back the curtain on trade negotiations, off-market brokerage exclusives, and why keeping human relationships first is the ultimate secret sauce to a...
info_outlineIn this episode of The TMA Connection, Tim Markland sits down with Paul Valle—veteran sports broadcaster (host of The Bat Around on PressBox) and mortgage loan officer with Main Street Home Loans.
Paul dispels the biggest misconceptions crushing homebuyers in today's market, from the persistent myth that you need 20% down to the difference between your down payment and total cash to close. He explains why shopping strictly for the lowest advertised rate is a trap, breaks down creative financing programs like DSCR loans for investors and bank statement loans for self-employed buyers, and shares insider credit-repair strategies (including why you should never close a paid-off card). Plus, Paul and Tim talk media consistency, balancing hustle with family life, and Paul's uncanny habit of accidentally reverse-jinxing Orioles players into hitting streaks.
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