House Keys
HOUSE KEYS is your go-to podcast for unlocking the world of real estate with clarity and confidence. Hosted by Rob “Birdman” Hephner and featuring trusted real estate expert Stephanie Crain of Mountain Retreat Realty Experts, this series breaks down the complex terms, processes, and decisions involved in buying and selling homes. With over 20 years of industry experience and a reputation for unmatched integrity, Stephanie brings practical insights, real-world examples, and straight-talk explanations that empower listeners at every stage of the real estate journey. Whether you’re a first-time buyer, a seasoned investor, or preparing to sell your home, HOUSE KEYS gives you the tools to navigate the market with ease and assurance.
Episodes
Stephaine is THE expert when it comes to selling Cabins in the Arizona White Mountains, take a listen as she talks about the things you'll need to know.
Stephanie digs into the real facts about living in the Arizona White Mountains.
The Pros
1. Stunning Natural Beauty & Outdoor Recreation
The Arizona White Mountains are surrounded by pine forests, lakes, streams, and open meadows. If you love the outdoors, you’ll find year-round activities — fishing, hiking, mountain biking, skiing at Sunrise Park Resort, and even elk watching in the fall.
2. Four Seasons Without Extreme Desert H...
Closing costs are the fees and expenses—beyond the down payment—that buyers and sellers pay when a real estate transaction is finalized (“closed”). These costs cover everything from lender fees to title services, and they typically range from 2% to 5% of the home’s purchase price.
⸻
🧾 What’s Included in Closing Costs?
🔹 For Buyers:
Buyer closing costs often include a loan origination fee charged by the lender for processing the l...
🔍 What Is a Home Appraisal?
A home appraisal is a professional, third-party assessment of a property’s market value. It’s typically required by lenders during a home purchase or refinance to ensure the loan amount doesn’t exceed the value of the property.
🧑💼 Who Performs the Appraisal?
🔑
Typical Buyer’s Costs in a Real Estate Transaction
1.
Loan-Related Costs
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Origination fee: Charged by the lender for processing the loan (0.5%–1% of loan amount).
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Credit report fee: $25–$50.
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Appraisal fee:...
Welcome to the first episode of House Keys
HOUSE KEYS is your go-to podcast for unlocking the world of real estate with clarity and confidence. Hosted by Rob “Birdman” Hephner and featuring trusted real estate expert Stephanie Crain of Mountain Retreat Realty Experts, this series breaks down the complex terms, processes, and decisions involved in buying and selling homes. With over 20 years of industry experience and a reputation...
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