Red Hot Real Estate

4/26/26: Dandelions

Sun, 26 Apr 2026 16:30:00 -0000

If you've got dandelions in your yard, Mimi's here to help you make the most of them! She's also got some great ideas to give your home some curb appeal. We'd also love to see your garden. Please share your photos with us on Facebook.

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4/19/26: Homebuyer Readiness

Sun, 19 Apr 2026 16:30:00 -0000

Mimi's here to help you prepare to buy your first home! Listen for tips, expectations and explanations to guide you through the experience.

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4/12/26: Rule the Roost

Sun, 12 Apr 2026 15:30:00 -0000

Mimi's back to tell us how she came to raise chickens and how to set up your home to do the same.

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3/29/26: Buydown

Sun, 29 Mar 2026 16:30:00 -0000

Phil Olson explains the key financial, lender, and market considerations buyers and sellers should evaluate when using a mortgage buydown to make a home purchase more affordable.

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3/1/26: Deferred Home Maintenance

Sun, 01 Mar 2026 17:30:00 -0000

Mimi runs down her checklist of deferred home maintenance projects that scare buyers away.

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2/15/26: Crazy Mortgage Products

Sun, 15 Feb 2026 17:30:00 -0000

Phil Olson reviews the market and the plethora of mortgage products available at CrossCountry Mortgage.

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2/1/26: Home Work

Sun, 01 Feb 2026 17:30:00 -0000

Today, we present a lakeside home in Arden Hills, our home buyer's checklist, and more to consider in your pursuit of a house.

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1/11/26: Reverse Mortgages

Sun, 11 Jan 2026 18:00:00 -0000

Mortgage Gurus Earl Rose and Phil Olson join us to discuss Reverse Mortgages.

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12/7/25: Realtors & Brokers

Sun, 07 Dec 2025 18:00:00 -0000

Phil Olson from CrossCountry Mortgage is here to explain what realtors and mortgage brokers do through the buying process.

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11/23/25: Trends, Credit & Vets

Sun, 23 Nov 2025 17:30:00 -0000

Mimi and Phil explain the VA home loan program and discuss some recent trends they've been seeing in the market.

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11/16/25: 50 Year Mortgage

Sun, 16 Nov 2025 17:30:00 -0000

Mimi and Phil discuss the pros and cons of the 50-year mortgage being floated around in the headlines.

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10/26/25: The Real Estate Buying Process

Sun, 26 Oct 2025 16:30:00 -0000

Today, we simulate the initial conversations in the real estate buying process.

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10/19/25: Fall Philanthropy

Sun, 19 Oct 2025 16:30:00 -0000

Jon Liesenfeld, Founder of One Love Brigade, joins us to discuss his efforts to bring mobility to Jamaican people with bikes, wheelchairs and walkers. Find him at onelovebrigade.com.

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10/12/25: Credit

Sun, 12 Oct 2025 16:30:00 -0000

What does a lender see when they view your credit report? What behaviors impact your credit and ability to take out a mortgage? Phil Olson from Cross Country Mortgage is here to explain.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/5/25: The Best Month to Buy in '25

Sun, 05 Oct 2025 16:00:00 -0000

Today, Mimi starts with a brief market update and, if you're selling your home, some suggestions for how to take advantage of the warm weather to glam up your property and increase curb appeal. Next, we discuss how the current government shutdown might effect real estate. Then, Mimi explains why this is the best month to buy a house. Finally, October is Fire Safety Month. Don't be alarmed! We'll help you prepare.

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9/21/25: Credit

Sun, 21 Sep 2025 16:30:00 -0000

No credit. Bad credit. All credit impacts your financial well-being. Today, we talk about circumstances that effect your credit and how to respond.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/14/25: Prepping to Sell

Sun, 14 Sep 2025 16:30:00 -0000

What can you do now to prepare your house to sell it this winter?

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8/24/25: Mortgage Trivia

Sun, 24 Aug 2025 16:00:00 -0000

We gave away a $25 Gerten's gift card today during a fun game of mortgage trivia.

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8/17/25: State Fair Trivia

Sun, 17 Aug 2025 16:30:00 -0000

We play a fun game of MN State Fair trivia while discussing the current state of the market and mortgages.

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7/27/25: AI, Politics & the Condo Market with Cross Country Mortgage

Sun, 27 Jul 2025 05:00:00 -0000

Jennifer Harazin and Phil Olson from Cross Country Mortgage join us for a wide ranging conversation on mortgages.

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7/20/25: Insurance

Sun, 20 Jul 2025 05:00:00 -0000

Laura Sauer from The Insurance Shop joins us to talk about rates, roofs and more.

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7/13/25: Buying for College

Sun, 13 Jul 2025 05:00:00 -0000

Discussing the pros and cons of buying a home for your college student. Also, text 160396 to 25678 to view an Arden Hills lake home.

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6/22/25: Government vs. Conventional Loans

Sun, 22 Jun 2025 17:26:58 -0000

Phil and Mimi share their insight on the advantages to both government and conventional loans.

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6/8/25: Lake Properties

Sun, 08 Jun 2025 17:00:00 -0000

Mimi with guest Phil share important considerations for owning lake properties.

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6/1/25: Deferred Home Maintenance

Sun, 01 Jun 2025 17:23:15 -0000

Mimi shares a market update for the Twin Cities and we talk about the importance of deferred home maintenance

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5/18/25: Downsizing for Bigger Enjoyment

Sun, 18 May 2025 17:36:24 -0000

Is it time for you to downsize? How to decide, where to start, how to declutter? So many questions for Mimi to answer!

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5/4/25: Living The Life You Want through Home Ownership

Sun, 04 May 2025 17:52:00 -0000

This week, Mimi and Phil discuss picking a home that suits your lifestyle, and how you can live the life you want through the place you live

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4/13/25: Approaching Retirement

Sun, 27 Apr 2025 17:02:00 -0000

This week, Mimi and Phil discuss buying a home in relation to retirement. Is it better to wait to sell or jump right in? Listen along for tips on how to get what you're really wanting in a home.

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4/13/25: Making the Most of Your Tax Returns

Sun, 13 Apr 2025 17:18:00 -0000

This week, Mimi and Phil go over how to make the most of your tax return this season, with special attention to our self-employed friends

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3/16/25: Special Mortgage Programs For If You Have Been Told No

Sun, 16 Mar 2025 17:18:00 -0000

This week, Mimi is joined by Phil to discuss different options for people who don't "fit in the box" of financial advice. From self employment to odd jobs, there may be some advice for you!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/9/25: All About Chickens!

Sun, 09 Mar 2025 20:03:00 -0000

This week, Mimi is joined by special guest Katie K9 to talk chicken shop. They discuss different chicken-owning regulations, the best kinds of coops, and how to get started with your own little farm.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/23/25: Upgrading Your Home for the Market

Sun, 02 Mar 2025 18:07:00 -0000

This week, Mimi discusses how to prioritize upgrading your house for the market, focusing in on what really matters. From bathroom remodels, to wallpaper, to the backyard, find out what could help your home sell.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/23/25: Gifted Funds and Homeowner's Insurance

Sun, 23 Feb 2025 18:12:00 -0000

This week, Mimi is joined by Phil, who talks through the complications of gifted funds. Then, it's the different aspects of homeowner's insurance, and some changes that may be coming to it in the upcoming years.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/16/25: Tips For Making Your House Pop on The Market

Mon, 17 Feb 2025 18:29:00 -0000

Mimi Schoneman and Phil Olson talk about how to make your house really sparkle when it hits the market. From pricing to hardware and even knowing the best time to list, there are many factors to consider when selling or buying a home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/9/25: How Does Having No Credit Affect Your Life?

Sun, 09 Feb 2025 18:15:00 -0000

This week, host Mimi Schoneman talks to special guest Shelly about how having no credit actually affects your life. They also discuss whether or not to tap into your equity to pay off your debts.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/2/24: How Can I Move My House?

Sun, 02 Feb 2025 22:27:00 -0000

Host Mimi Schoneman has some possible answers as to why your house has not sold despite its time on the market. She also touches on ways to utilize gains in home equity. Plus, tips for a caller with questions on staging.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/26/25: Home Buying Benefits - Senior or Disabled Status

Sun, 26 Jan 2025 18:48:00 -0000

If you hold a senior or disabled status and are looking to buy a home, consider looking into home buying benefits specific to you. There may be more options than you think!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/5/25: Improving Credit For A Home Purchase

Sun, 05 Jan 2025 22:24:00 -0000

If you are looking to move but feel that your credit score limits your options, consider strategies for rehabbing your score in the most efficient ways available to you. With determination and the right know-how, you can craft a strategy that will help you achieve your goals.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/8/24: Photographing Your Home For Sale

Sun, 08 Dec 2024 22:45:40 -0000

Special guest Marshall Saunders of WonOver Images joins Mimi Schoneman and Shelly Farris to discuss his strategies for creating attractive, professional, and informative photographs for home listings. An online visual walkthrough of your property can make a major difference in the offers you receive, Marshall has the knowledge and equipment to make your home stand out.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/24/24: New Construction Questions

Sun, 24 Nov 2024 18:00:24 -0000

So you are ready to buy a home. Mimi shares some questions to consider if you are thinking about new construction.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/17/20: Reverse Mortgages

Sun, 17 Nov 2024 22:13:37 -0000

Earl Rose, the VP of Reverse Mortgage Lending with CrossCountry Mortgage, joins Mimi Schoneman and Phil Olson to discuss the reputation of reverse mortgages versus the reality. Talking with a mortgage specialist can help you understand if these decisions will provide the home and lifestyle you want.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/3/24: Shifting Markets

Sun, 03 Nov 2024 22:15:14 -0000

It can feel like home values and prices are shifting more often than expected, and seemingly similar houses are priced differently. Mimi Schoneman and Shelly Farris provide some possible reasons why these homes are priced how they are and for what reasons those prices might change.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/27/24: Hot Housing Updates

Sun, 27 Oct 2024 21:40:36 -0000

Mimi Schoneman and Phil Olson give us updates on the MN housing market just in time for November with a spotlight on some prime properties available in the area.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/20/24: Emergency Preparedness

Sun, 20 Oct 2024 20:45:22 -0000

The recent rash of natural disasters and resulting infrastructure damage in the southern US has reminded us more than ever of the importance of keeping things handy to maintain access to water, food, and warmth. Mimi Schoneman shares her list of homeowner emergency essentials in case of the worst.

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10/6/24: Spring Market Updates

Sun, 06 Oct 2024 21:54:00 -0000

Shelly Farris joins host Mimi Schoneman to discuss a local housing market that seems to be in decline, but what do they think is going on? If you are browsing homes, Mimi and Shelly can tell you what to look for during the fall season.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/29/24: Refinancing

Sun, 29 Sep 2024 21:30:20 -0000

Refinancing is daunting to many people and there are many questions to consider. Mimi Schoneman and Phil Olson talk about market trends during election periods and rates over the years so if you're making a major change, you know when to do it.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/22/24: Mandated Disclosures For Buyers

Sun, 22 Sep 2024 20:44:53 -0000

What are people actually mandated to disclose during home sales? Some of what sellers do and do not have to disclose to buyers may surprise you. Mimi Schoneman and Phil Olson discuss common misconceptions about disclosures.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/15/24: Fall Checklist For Selling Your House In The Next Few Months

Sun, 15 Sep 2024 21:00:39 -0000

With temperatures dropping and winter on the horizon, Mimi Schoneman and Shelly Farris are prepared with a list of improvements you can make to your home in the next two to three months to make it ready for sale.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/11/24: The Process on How to Buy a Home Part 1

Sun, 11 Aug 2024 21:30:52 -0000

Mimi Schoneman has the experience, connections, and familiarity with the home-buying process to give you the answers you might be searching for. Are you in the right place to start the process?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/4/24: Winning Strategies for Buying a House

Sun, 04 Aug 2024 17:00:00 -0000

Mimi Schoneman and Shelley Farris provide guidance on purchasing a home. They address listeners' questions about first-time buyer benefits, loan origination fees, and how rental signs might affect your home's value.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/28/24: Income Qualifications

Sun, 28 Jul 2024 19:22:00 -0000

Income and employment factor heavily when applying for a home mortgage. Mimi and Phil discuss some of the common employment changes that pop up that have the possibility to impact what programs you can access and maybe even the final sale.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/14/24: Red Flags When Buying Or Selling

Sun, 14 Jul 2024 16:46:00 -0000

Nobody wants to waste their time, or even worse their money! Mimi Schoneman and Phil Olson tell you about the major red flags to look out for if you want to buy or sell your property. Plus Phil gets a caller started finding a first home buyer assistance program.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/30/24: The Hidden Costs Of Buying A Home

Sun, 30 Jun 2024 22:08:24 -0000

The price tag on a house is not necessarily how much buying that home would cost you. Many fees and hidden costs could be attached to a purchase, and some of those costs could be more than you're willing to pay. Mimi and Phil share some of the pitfalls they've helped clients avoid.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/23/24: Market Stump The Chump

Mon, 24 Jun 2024 18:24:52 -0000

Mimi Schoneman and Phil Olson invite you to play Market Stump The Chump and test your knowledge of real estate and mortgage factoids.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/9/24: Home Buyer Assistance Programs

Sun, 09 Jun 2024 20:13:28 -0000

This time, Shelly Farris of Nations Lending has returned with a comprehensive list of assistance programs that could help get you out of the rental rut and into the home of your dreams. Shelly and Mimi clarify who can qualify for these programs and the aid they provide.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/19/24: Financing Assistance

Sun, 19 May 2024 22:08:11 -0000

Do you feel like you have spent too long in the rental rut, but not like you have enough to spare for a down payment? Then you might be shocked to learn about the myriad assistance programs and credit improvement opportunities that could place you in the home of your dreams. Whether short term or long term your goals can be attainable.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/12/24: Mothers Day Dream Additions

Sun, 12 May 2024 20:07:45 -0000

On this special Mother's Day edition of the Red Hot Real Estate Show Mimi and Phil invite callers to share their dream home additions and luxuries.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/5/24: Waterfront Properties

Sun, 05 May 2024 20:42:40 -0000

Many people, especially here in the land of 10,000 lakes, dream of a waterfront or water-access property, but those dreams can become a reality. Whether it is here or in another place entirely there are options available that could be right for you.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/21/24: First Time Homebuyers

Sun, 21 Apr 2024 17:00:00 -0000

Mimi Schoneman and Phil Olson discuss renting vs owning, down payment assistance programs, and first generation homebuyers.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/14/24: Spring Market Updates

Sun, 14 Apr 2024 20:04:01 -0000

Shelly Farris of Nations Lending is back to talk about spring market updates. With many properties for sale in the Twin Cities area, what are some you should be looking at?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/7/24: Staging Your Home For Sale

Sun, 07 Apr 2024 20:28:09 -0000

Mimi Schoneman shares her best tips to make your home appeal to prospective buyers. Light, paint, decor, and even personal items can impact how people perceive your home, and if they want to make it theirs.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/24/24: Divorce and Real Estate Continued

Sun, 24 Mar 2024 20:19:21 -0000

Mimi Schoneman and Phil Olson continue their discussion of mortgages amidst divorce. Separations are a painful experience and houses are large assets, doing things the right way can save time and heartache.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/17/24: 15 Of The Most Common Divorce Related Mortgage Questions We Receive

Sun, 17 Mar 2024 19:06:48 -0000

Divorce is a complicated process, and if one or both parties has their name on a property it can impact how easy that split becomes. What are the facts and fictions about a mortgage in a marriage? Mimi and Phil are here to help you figure out those unknowns of separation.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/3/24: Using Your Home To Purchase A New One

Sun, 03 Mar 2024 21:10:55 -0000

Shelly Farris has returned to talk with Mimi Schoneman about using the equity of the home you own to transition into one that better suits your current life. These are things you need to know to take the effort, money, and lessons you have learned into a new purchase.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/18/24: Divorce and Housing

Sun, 18 Feb 2024 21:16:16 -0000

Mimi Schoneman and Phil Olson discuss the impact of divorce on home ownership. If you are going through a major shift in your life there are options to salvage the effort and money you have invested in your home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/11/24: Ask the Mortgage Underwriter

Sun, 11 Feb 2024 18:00:00 -0000

Mimi Schoneman and Shelly Farris give a peak behind the curtain by bringing on Daniel Obenauf, Vice President of Underwriting at Nations Lending, to explain what an underwriter does and what it takes to get approved for a loan.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/4/24: Love Your Home

Sun, 04 Feb 2024 20:35:07 -0000

Phil Olson is back with Mimi Schoneman to help you fall in love with a new home if you're not quite in the housing relationship of your dreams.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/14/24: Tips To Keep You From Missing Mortgage Payments

Sun, 14 Jan 2024 21:08:16 -0000

With a new year come new changes, and occasionally unforeseen circumstances. Phil Olson of CrossCountry Mortgage shares a list of tips intended to keep your head above water.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/7/24: New Year, New Home

Sun, 07 Jan 2024 21:28:11 -0000

If you spent the holidays staring at the walls and craving a change then this might just be the perfect new year for a new house. Mimi Schoneman and Shelly Farris can help you get started.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/17/23: Home Buying In The Winter

Sun, 17 Dec 2023 21:28:43 -0000

With Christmas around the corner, Mimi and Phil discuss the pros and cons of looking for a home or listing your home in winter.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/10/23: Ho Ho Homes

Sun, 10 Dec 2023 21:14:00 -0000

Main things to know about DPA programs and what they could offer you. Plus holiday home updates.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/3/23: Homes and The Holidays

Sun, 03 Dec 2023 21:13:45 -0000

Shelly Farris of Nations Lending is back to talk holiday cookies and some positive market updates!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/19/23: Debt You Didn't Know You Had

Sun, 19 Nov 2023 21:49:30 -0000

What liabilities do you have under your name? Here are some frequent examples of debt you did not know you had.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/12/23: Waiting Out The Market

Sun, 12 Nov 2023 19:31:53 -0000

If you are currently renting and saving to own you might be wondering how long you'll be saving for your dream home. The future is unpredictable so how can you give that dream a chance?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/5/23: So Many Ways to Buy a Home!

Sun, 05 Nov 2023 21:05:05 -0000

DON’T let the lack of money keep you from owning a home and building wealth, no matter your situation there are options to assist you.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/29/23: Why Isn't Your House Selling?

Sun, 05 Nov 2023 17:02:47 -0000

If you feel like your house has been on the market forever, you might be interested in the red flags that turn off prospective buyers and lenders.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/22/23: Mortgage Rates

Sun, 22 Oct 2023 20:23:42 -0000

Shelly Farris from Nations Lending joins host Mimi Schoneman to discuss the current market for mortgages and the local impacts of world news.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/15/23: Market Updates

Sun, 15 Oct 2023 21:24:23 -0000

Mimi Schoneman is joined by Phil Olson of CrossCountry Mortgage to discuss real estate trends, interest rates, and sauerkraut!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/8/3: Things We Wish We Knew Before We Bought

Sun, 08 Oct 2023 20:54:59 -0000

Mimi and guest host Tiffany Norton go over a list of things people wish they knew before they bought a home, or upgraded. Some of the items on this list will surprise you!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/24/23: Market Updates For Fall

Sun, 24 Sep 2023 21:20:50 -0000

Phil Olson is back with Mimi Schoneman to discuss the ever-changing housing market and how it could impact prospective buyers.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/17/23:The Effects of Bankruptcy

Sun, 17 Sep 2023 17:00:00 -0000

How does a bankruptcy affect things like getting a mortgage? Phil Olson joins Mimi to discuss the different types of bankruptcy and the consequences and options regarding them.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/10/23: Rescue Loans

Sun, 10 Sep 2023 17:00:00 -0000

Shelly Farris of Nations Lending is on with Mimi today to discuss their high inventory of homes for sale and the subject of rescues loans.

Plus, they share personal stories about working with lenders and loan officers.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/20/23: Down Payment Assistance Programs

Sun, 20 Aug 2023 17:00:00 -0000

Mimi and Phil share the plethora of down payment assistance programs that you could qualify for! Everyone from 1st generation home owners to a newly moved homeowners could use these wonderful programs.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/13/23: The Unicorn Home

Sun, 13 Aug 2023 22:28:12 -0000

Unicorns are mythical creatures both in nature and in real estate. On the list of common home-buying mistakes is looking for the home that checks every one of your boxes. How can we prioritize?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/6/23: It’s the Season for Real Estate

Sun, 06 Aug 2023 21:36:58 -0000

Did you put your cabin to sleep for the winter and you’re thinking this is too much work? Have you been thinking about selling real estate or estate property? We can help you make the right decision. Plus, how to tell a good lender from a not-so-good lender.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/9/23: Creative Mortgage Options to Get Free Money For Your Real Estate Purchase and More

Sun, 09 Jul 2023 21:36:12 -0000

Mimi and Phil share a wide range of options to help you find free money towards your purchase. They also have advice on how to set your kids up for success in the real estate market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/25/23: Second Homes

Sun, 25 Jun 2023 20:48:16 -0000

Get the low down on second properties, including cabins, investments, and vacation homes. What are the things to consider?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/18/23: Staging Your Home to Sell for Top Dollar and Dissecting your Ugly Room Problems and Dad Jokes

Sun, 18 Jun 2023 17:00:00 -0000

Host Mimi Schoneman explains how to stage your home to make sure it sells. Got an ugly room that's just not working? Mimi dissects and solves the problems in your worst rooms.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/11/23: Market Updates and Dump the Chump Game!

Sun, 11 Jun 2023 20:33:00 -0000

Phil Olson of Cross Country Mortgage and Host Mimi Schoneman try to stump these callers for a chance to win a 50$ gift card, featuring questions and some definitions you will find useful.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/4/23: Mortgage Pre-Qual vs Pre-Approval plus Summer Salads

Sun, 04 Jun 2023 19:25:58 -0000

As Summer sets in its a good time to discuss market shifts, mortgage qualifications, and what makes a salad a salad.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/21/23: Don’t be an Ostrich and Don’t let the Bank steal your Money!

Sun, 21 May 2023 19:23:53 -0000

What are the mistakes that can lead to foreclosures? Shelly Farris of Nations Lending is back on the air to help you pull your head out of the sand. No matter your situation there are steps to take!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/7/23: Real Estate No-No's That Affect Value, what's up with New Fed Mortgage Pricing

Sun, 07 May 2023 18:06:18 -0000

Mimi and Phil talks the new LLPA’s from Fannie May and Freddie Mac, reading through the hot button headlines and truly what it means for you. Plus they give us a full market update including the Fed increase of Prime Rate, Unemployment Details and Previewing the Upcoming major report CPI announcement.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/23/23: Home Appraisal and Value

Sun, 23 Apr 2023 19:10:45 -0000

How accurate and reliable are home appraisal's? Phil Olson and Mimi Schoneman help us to understand what goes into a home appraisal and how to determine the negatives or positives for a property.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/16/23: Junk Mail and Icky Agents

Sun, 16 Apr 2023 19:25:02 -0000

When you buy a house you start getting mail instantly, Mimi Schoneman and Phil Olson help you sort through what's real and what's fake. They also cover initial closing costs and what's important to pay up front.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/2/23: Predicting Interest Rates

Sun, 02 Apr 2023 19:01:16 -0000

Shelly Farris of Nations Lending is on with Mimi today to discuss market predictions, refinancing, and interest rates. If you feel you're stuck renting we have some advice to set yourself up to buy.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/36/23: Property, Insurance, and You

Sun, 26 Mar 2023 19:38:56 -0000

What kind of coverage do you need to make sure your assets are safe? Figure out how to get the down and dirty on any property you're considering investing in, and protect it from damage or foreclosure.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/19/23: The Banking Industry Today

Sun, 19 Mar 2023 19:26:08 -0000

Host Mimi Schoneman and Mortgage Professional Phil Olson discuss the uncertainty surrounding major banks and credit unions. They also answer some questions regarding FDIC coverage and contingencies.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/5/23: How's Your Credit Report?

Sun, 05 Mar 2023 20:47:39 -0000

Mimi Schoneman is back in studio with Shelly Farris from Nations Lending to evaluate some credit reports on air with listeners. How does your credit score match up to others and how can you make sure it stays healthy?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/26/2023: Ask A Master House Painter

Sun, 26 Feb 2023 20:25:00 -0000

Everything you ever wanted to know about house painting with special guest Trish Wagner owner of Eagle Eye Painting. Hear tips on application, wear, and color use.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/12/23: Everything You Need To Know About Bankruptcy

Sun, 12 Feb 2023 20:10:53 -0000

Phil Olson (Cross Country Mortgage) talks to us about the realities of bankruptcy, whether to declare, and what you can do to recover.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/5/23 - The Cost of Waiting and the Different Types of Lenders

Sun, 05 Feb 2023 20:11:00 -0000

Shelly Farris of Nations Lending joins Mimi and Miss Shannon this week to discuss types of lenders, what they can offer, and what to avoid.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/29/23 - Our Different Minnesota Down Payment Assistance Programs

Sun, 29 Jan 2023 20:14:02 -0000

What home buyer assistance programs do you qualify for? Does your loan officer have the accreditation to offer them to you?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/15/23- What Is My Home Worth?

Sun, 15 Jan 2023 19:41:27 -0000

This week Mimi Schoneman (ReMax Results) and Phil Olson (Cross Country Mortgage) break down home estimates, and the components within our houses that add value.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/18/22- Are You Ready To Buy An Investment Property?

Sun, 18 Dec 2022 20:44:10 -0000

Phil Olson (Cross Country Mortgage) and Host Miss Shannan discuss the ins and outs of buying into an investment property and what you need to safely manage your property assets

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/11/22 - Goal Setting and Dream Building

Sun, 11 Dec 2022 21:00:36 -0000

This week Mimi Schoneman (ReMax Results) and Phil Olson (Cross Country Mortgage) talk about how to take full advantage of your assets and setting goals to motivate us towards a better lifestyle and financial health.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/4/22 - Why Aren’t you Buying Now?

Sun, 04 Dec 2022 20:17:16 -0000

This week Mimi Schoneman (ReMax Results) and Shelly Farris (Caliber Home Loans) chat about being credit ready. They also explain why right now is the best time to buy a house in the last 3 years.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/20/22 - Buyer Needs

Sun, 20 Nov 2022 18:00:00 -0000

Host Miss Shannan with Mimi Schoneman (ReMax Results) and Phil Olson (CrossCountry Mortgage) talk about buyer needs and what you need to know before buying or selling a home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/13/22 - Real Estate Steps To Success Before Retirement and the VA Home Loan Program

Sun, 13 Nov 2022 20:08:29 -0000

Mimi and Phil are in to discuss some great VA home loan programs and review their fall edition of what to think about when buying a house. Plus we continue our City by City look at the housing market across the Metro.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/06/22 - Inflation and Interest Rates

Sun, 06 Nov 2022 18:00:00 -0000

Host Miss Shannan, Mimi Shoneman with Remax Results, and Shelly Farris with Caliber Home Loans discuss inflation and interest rates when it comes to owning a home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/30/22 - Brand New Down Payment Assistant Programs

Sun, 30 Oct 2022 18:11:17 -0000

Mimi and Phil continue their City by City breakdown of the Twin Cities Housing Market. Today we also explore some amazing down payment assistance programs in Ramsey County. PLUS, financial details on buying all kinds of multi-family properties.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/16/22 - Ways To Reduce Your Mortgage Interest Rate

Sun, 16 Oct 2022 16:00:00 -0000

Host Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson of Cross Country Mortgage (Cottage Grove, MN) discuss ways to reduce your mortgage interest rate and last minute issues that squash home loan approvals.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/2/22 - When The House You Have Doesn't Meet Your Needs

Sun, 02 Oct 2022 18:25:21 -0000

Mimi is joined by Shelly Farris form Caliber Home Loans. Are we in a Buyer or Seller's market? Credit Score Questions: Score range you should be in for home buying How to better position yourself How to find and understand your score Credit Analysis Latest on interest rates.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/18/22 - 2022 Mortgage Options

Sun, 18 Sep 2022 16:00:00 -0000

Host Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson of Cross Country Mortgage (Cottage Grove, MN) discuss deferred maintenance and 2022 mortgage options.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/11/22 - Options in a Changing Real Estate Market

Sun, 11 Sep 2022 18:14:52 -0000

Shelly Farris form Caliber Home Loans joins the show to discuss some of your options in this current Market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/28/22 - Renting vs Owning Part 2 with Phil

Sun, 28 Aug 2022 18:25:34 -0000

Host Miss Shannan and Phil Olson of Cross Country Mortgage (Cottage Grove, MN) talk renting vs owning. Ownership IS within your grasp! Phil has a great recent story that illustrates this fact. What is Rural - eligibility.sc.egov.usda.gov

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/21/22 - Renting vs Owning

Sun, 21 Aug 2022 17:00:00 -0000

Host Miss Shannan and Phil Olson of Cross Country Mortgage (Cottage Grove, MN) talk renting vs owning a home statistics, home equity loans, and mortgage products.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/14/22 - What you don't know about your sewer line

Sun, 14 Aug 2022 16:00:00 -0000

Host Miss Shannan, Mimi Schoneman (Re/Max Results), and Erich Koch, owner of Defend Sewer Repair are discussing "What you don't know about your sewer line could hurt you".

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/7/22 - The Cost of Waiting to Buy a Home

Sun, 07 Aug 2022 16:00:00 -0000

Mimi and Shelly Farris joins Miss Shannan to talk credit updates, interest rates and looking into why there are currently no large foreclosures out there. Also, we discuss in depth how to determine whether waiting on the market to improve is the right decision or not.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/31/22: Options in the Upcoming Real Estate Shift

Sun, 31 Jul 2022 16:00:00 -0000

Phil Olson of Cross Country Mortgage calls in to join the show and discuss options to help in the new real estate shift.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/17/22: Creative Ways to Land Your Lake Home

Sun, 17 Jul 2022 16:00:00 -0000

Phil Olson of Cross Country Mortgage (Cottage Grove, MN) joins the show to discuss lakefront properties and much more.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/10/2022: Different Out-of-the-Box Ways to Buy a Home

Sun, 10 Jul 2022 16:00:00 -0000

Shelly Farris joins the show to give some external thinking ways of buying a home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/12/22 - How To Fight Inflation With Real Estate

Sun, 12 Jun 2022 16:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) talk about how to fight inflation with real estate.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

06/05/22 - Inflation and the Housing Market

Sun, 05 Jun 2022 16:24:49 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Farris (Caliber Home Loans) discuss inflation and the current housing market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

05/22/22 - Real Estate Mortgage Options for Rising Rates

Sun, 22 May 2022 16:25:42 -0000

Hosts Sani, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) talk about adjustable rate mortgages in a rising rate market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

05/08/22 - Adjustable Rate Mortgages in a Rising Rate Market

Sun, 08 May 2022 16:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) talk about adjustable rate mortgages in a rising rate market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

05/01/22 - Should I Be Buying A Home A Home Right Now?

Sun, 01 May 2022 15:59:46 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans), Shelly Ferris (Caliber Homes Loans) to talk about whether or not it's a good time for you to buy a home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

04/10/22 - How to Get a Better Mortgage Rate

Sun, 10 Apr 2022 16:06:24 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Farris (Caliber Home Loans) discuss construction loans, GDP's impact on interest rates, and the purpose of pay points.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

04/03/22 - How to Save Money on Real Estate and Mortgage

Sun, 03 Apr 2022 16:03:49 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) provide tips on how you can save a little cash on your next real estate purchase or mortgage.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

03/27/22 - Property Design

Sun, 27 Mar 2022 16:03:17 -0000

Hosts Miss Shannan and Mimi Schoneman (Re/Max Results) talk the basic of property design.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/20/2022 - First Quarter Mortgage and Real Estate Updates (PT2)

Sun, 20 Mar 2022 16:02:20 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) enter Part 2 of the discussion.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

03/13/22 - First Quarter Mortgage and Real Estate Updates

Sun, 13 Mar 2022 16:06:08 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) talk about the updates you need to know as we move toward the end of the 1st quarter of 2022.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

02/20/22 - 2022 Out of the Box Strategies (PT2)

Sun, 20 Feb 2022 18:02:49 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Mortgage) continue PT2 in the discussion of out of the box strategies for 2022.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

02/13/22 - 2022 Out of the Box Strategies

Sun, 13 Feb 2022 18:01:18 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) discuss out of the box strategies.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/6/22 - How to Buy without Selling and Options for Self Employed and Tip Earners

Sun, 06 Feb 2022 18:00:54 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Ferris (Caliber Homes Loans) discuss tips on how to buy property without selling property, PLUS buying options for self-employed and tip earners.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/30/22 - Probate - What You Don't Know Can Cost You Big!

Sun, 30 Jan 2022 17:59:17 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans), and Louise Rogness, (Family Law Attorney with RognessField Attorney’s at Law) to talk about everything you need to know about Probate.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/16/22 - Preparing For Divorce

Sun, 16 Jan 2022 17:59:36 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans), and Melisa Field, (Family Law Attorney with RognessField) address your fears about preparing for Divorce.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

01/09/22 - How To Help Your Adult Kids Buy A Home

Sun, 09 Jan 2022 18:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Ferris (Caliber Homes Loans) talk about some of the tips parents should consider when helping their kids purchase a home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/19/21 - Pitfalls for Buying and Selling A Property (PT2)

Sun, 19 Dec 2021 18:01:44 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) continue the discussion around the pitfalls you might run into when buying and selling a property.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/12/21 - Pitfalls for Buying and Selling Property

Sun, 12 Dec 2021 18:03:30 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phill Olson (Cross Country Loans) to talk about some of the pitfalls of buying and selling a property.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/21/21 - Exotic Mortgage Programs

Sun, 21 Nov 2021 18:03:53 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phill Olson (Cross Country Loans), Shelly Ferris (Caliber Homes Loans) to talk about exotic mortgage programs. **Plus! Your $100 Visa Gift Card!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/14/21 - Signs It's Time To Up Upsize

Sun, 14 Nov 2021 18:00:40 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phill Olson (Cross Country Loans) to talk about the telltale signs it's time for you to upsize your home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/7/21 - Find A Home Using A Renovation Loan

Sun, 07 Nov 2021 18:06:53 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Ferris (Caliber Home Loans) talk about how to find a home using a renovation loan.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/24/21: Red Hot Real Estate Show with Mimi Schoneman and Phil Olson!

Sun, 24 Oct 2021 16:25:26 -0000

Hosts Mimi Schoneman (Re/Max Results), and Phil Olson from Cross Country Mortgage talk about everything you need to do to get ready to buy a house and they have a "Red Hot" property in the west metro you need to check out.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/17/21 - Does Your Mortgage Have a Overlay?

Sun, 17 Oct 2021 15:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson from Cross Country Mortgage talk about unrestricted financing for new homes. Plus, how do people know if they are getting an overlay or not?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/10/21 - New Solutions For Old Mortgage Problems

Sun, 10 Oct 2021 15:58:45 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Farris talk about applying new solutions to some of your older mortgage problems.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10.3.21 - BEWARE! Short Sales and Foreclosure Scams

Sun, 03 Oct 2021 16:00:50 -0000

Host Miss Shannan and Mimi Schoneman (Re/Max Results) talk about the scams to be on the lookout for when buying and selling property.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/19/21 - Things to Consider When Going Through A Divorce

Sun, 19 Sep 2021 16:00:07 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Caliber Home Loans) talk about how to handle selling your house if you're going through a divorce.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9.12.21 - Working Through A New Construction Dynamic

Sun, 12 Sep 2021 16:00:38 -0000

Hosts Miss Shannan, Mimi Schoneman (The Red Hot Real Estate Group/Re/Max Results), and Shelly Ferris (Caliber Home Loans) to talk about what to expect with new construction.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/29/21 - Closing Costs 101

Sun, 29 Aug 2021 15:59:58 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Caliber Home Loans) talk about the basics of Closing Costs.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/8/21 - Buying a Lake Property

Sun, 08 Aug 2021 16:03:10 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Farris (Caliber Home Loans) to talk about the basics of buying lake properties.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/18/21 - Second Homes and Investment Properties

Sun, 18 Jul 2021 16:01:41 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Caliber Home Loans) to talk about your second home or investment property.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/11/21 - New Strategies for Winning The Bidding War

Sun, 11 Jul 2021 16:00:55 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelley Farris (Caliber Home Loans) talk about some strategies to consider if you want to win a bidding war.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/27/21 - Home Appraisals from a Professional Appraisers Perspective (PT 2)

Sun, 27 Jun 2021 15:59:12 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), Phil Olson (Cross Country Mortgage), and licensed appraiser (Us Bank) Todd Davis start Part 2 of the topic: Home appraisals from a Pro Appraiser.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/13/21 - Home Appraisals from a Professional Appraisers Perspective

Sun, 13 Jun 2021 16:00:51 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Mortgage) are joined with Appraiser Todd Davis (US Bank) to talk about the basics of appraisals.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/6/21 - Here's What You Need to Win Bid Wars

Sun, 06 Jun 2021 15:59:56 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelley Farris (Caliber Home Loans) share some tips to help you win bid wars.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5-16 -2021: "Cash Is King with Mimi and Phil"

Sun, 16 May 2021 16:08:39 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Farris (Caliber Home Loans) talk about the qualities of a good loan officer.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/2/21 - IS YOUR LOAN OFFICER SMARTER THAN YOUR APP?

Sun, 02 May 2021 16:01:39 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Shelly Farris (Caliber Home Loans) talk about the qualities of a good loan officer.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/25/21 - How To Prevent Making Mistakes When Buying A Home (Pt 2)

Sun, 25 Apr 2021 16:02:16 -0000

Hosts Miss Shannan, Mimi Schoneman (ReMax Results), and Phil Olson continue the conversation about some of the mistakes you can avoid when buying a new home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/18/21 - Twelve Bad Assumptions Home Buyers Make in This Market

Sun, 18 Apr 2021 16:00:50 -0000

Hosts Miss Shannan, Mimi Schoneman (ReMax Results), and Phil Olson (Cross Country Loans) talk about some of the assumptions home buyers have been making about the current market we are in.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/11/21 - How To Win The Bid In This Difficult Market

Sun, 11 Apr 2021 16:01:44 -0000

Hosts Miss Shannan, Mimi Schonenman (Re/Max Results), and Shelly Ferris (Caliber Home Loans) talk about how you can win the bid in this difficult market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/28/21 - Strategies To Buy A Home In A Seller's Market

Sun, 28 Mar 2021 16:02:29 -0000

Host Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Cross Country Loans) discuss the strategies you should consider if you're trying to buy a home in a sellers market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/28/21 - What to Consider About Your Property When Contemplating Divorce (Part 2)

Sun, 28 Feb 2021 17:00:00 -0000

Producer Sanni, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Mortgage) talk about some questions you should consider about your property if you're contemplating divorce.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/21/21 - What to Consider About Your Property When Contemplating Divorce

Sun, 21 Feb 2021 18:00:17 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Mortgage) talk about some questions you should consider about your property if you're contemplating divorce.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/7/21 - I Want To Buy A House Using A Conventional Loan

Sun, 07 Feb 2021 18:02:05 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max), Shelley Ferris (Caliber Home Loans) to talk about how you can buy a home using a conventional home loan.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/24/21 - Real Estate Roadmap Before Retirement

Sun, 24 Jan 2021 17:58:30 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country Loans) are giving you a "Real Estate Road Map" that you can use before you retirement; Plus, BIG No-No’s to Avoid!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/17/21 - Smart Moves to Make Before Retirement

Sun, 17 Jan 2021 18:00:31 -0000

Hosts Miss Shannan, MiMi Schoneman (ReMax Results), and Phil Olson (Cross Country Loans) talk about some of the smart moves you should consider before you retire.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/10/21 - Mortgage Forbearance Steps

Sun, 10 Jan 2021 18:01:24 -0000

Hosts Miss Shannan, Mimi Schoneman (ReMax Results), and Shelly Farris (Caliber Home Loans) talk about Mortgage forebearance steps, FICO scores, and how to get your credit ready for 2021!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/20/20 - Mistakes to Avoid That will Kill Your Real Estate Deal (Part 2)

Sun, 20 Dec 2020 17:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country) talk about the things to avoid in order to secure your real estate deal.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/13/20 - Mistakes to Avoid That Will Kill Your Real Estate Deal

Sun, 13 Dec 2020 18:00:37 -0000

Hosts Miss Shannan, Mimi Schoneman (Re/Max Results), and Phil Olson (Cross Country) talk about the things to avoid in order to secure your real estate deal.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/6/20 - Why You Should Raise Your Credit Before Buying A House

Sun, 06 Dec 2020 18:01:06 -0000

Hosts Miss Shannan, MiMi Schoneman (ReMax Results), and Shelly Ferris (Caliber Home Loans) discuss the importance of raising your credit before you buy a house.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/22/20 - How to Buy, Sell & Finance A Property When Going Through Divorce

Sun, 22 Nov 2020 18:01:00 -0000

Mimi Schoneman, RE/MAX Results with Phil Olson, Cross Country Mortgage and Miss Shannan talk about How to Buy, Sell and Finance a Property when Going Through a Divorce.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/15/20 - How to Buy, Sell & Finance Property While Going Through Divorce

Sun, 15 Nov 2020 18:01:14 -0000

Hosts Miss Shannan, Mimi Schoneman (RE/MAX Results), and Phil Olson, (Cross Country Mortgage) talk about How to Buy, Sell and Finance a Property when Going Through a Divorce.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/8/20 - Preparing to Sell & Market Updates

Sun, 08 Nov 2020 18:01:43 -0000

Hosts Miss Shannan and Mimi Schoneman (RE/MAX Results) talk about Preparing to Sell, Market Updates and Taking the All Your Real Estate Questions!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/1/20 - How Do I Fix My Credit?

Sun, 01 Nov 2020 17:59:47 -0000

Hosts Miss Shanna, Mimi Schoneman (RE/MAX Results), Shelly Farris (Caliber Home Loans), talk about tips for how to fix your credit.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/25/20 - Prepaids, Escrows, and Title Charges

Sun, 25 Oct 2020 16:03:03 -0000

Hosts Miss Shannan, Mimi Schoneman (RE/MAX Results), and Phil Olson talk about Pre-Paids, Escrows, and Title Charges.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/11/20 - Taking The Mystery Out Closing Costs

Sun, 11 Oct 2020 16:00:15 -0000

Miss Shannan, Mimi Schoneman (RE/MAX Results), and Phil Olson talk about Taking the Mystery out of Closing Costs and Taking your Real Estate Questions!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/04/20 - Credit Issues and How To Overcome

Sun, 04 Oct 2020 16:00:35 -0000

Hosts Miss Shannan, Mimi Schoneman (RE/MAX Results), and Shelly Farris talk about Credit Issues and How to overcome them! Text Credit Simulator to: 651-578-2218.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

09/13/20 - How To Buy A Jumbo House Without A Jumbo Loan

Sun, 13 Sep 2020 16:02:31 -0000

Hosts Miss Shannan, Mimi Schoneman (ReMAX Results), and Phil Olson (Cross Country Loans) talk about how to purchase a big house without having to take out a big loan. The hosts will also discuss how to turn your first house into a lifetime of wealth.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

08/16/20 - Get Your Green Photos Now!

Sun, 16 Aug 2020 16:01:38 -0000

Mimi Schoneman, RE/MAX Results, Shelly Farris and Miss Shannan talk about The Magic of the Credit Simulator and Client Closing Coordination. Text 651-226-2560 to Get Your Green Photos Now.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

08/09/20 - Tips On 'Don'ts' When Buying a Home

Sun, 09 Aug 2020 15:00:00 -0000

Miss Shannan and Phil Olson (of AMEC Home Loans) to discuss the "don'ts" when buying a home and important tips.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

07/26/20 - Do's And Don'ts Of Buying and Selling a House

Sun, 26 Jul 2020 16:00:10 -0000

Hosts Mimi Schoneman, RE/MAX Results, Phil Olson, Supreme Lending and Miss Shannan talk about the Do’s and Don’ts to Buying and Selling a House and taking your calls about the Real Estate and Mortgage Market!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

07/19/20 - Credit Questions; And What Exactly are Closing Costs?

Sun, 19 Jul 2020 16:02:30 -0000

Hosts Miss Shannan and Mimi Schoneman (RE/MAX Results), and Shelly Farris (Caliber Home Loans) discuss Credit Questions and Fixes and What Exactly Are Closing Costs?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

06/14/20 - Potential Pitfalls For Rural Properties and 2nd Homes

Sun, 14 Jun 2020 16:04:10 -0000

Hosts Miss Shannan, Mimi Schoneman (ReMax Results), and Phil Olson give a Market Update as well as some pitfalls for rural and multiple property owners.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

06/07/20 - Forbearance Consequences

Sun, 07 Jun 2020 15:59:32 -0000

Mimi Schoneman with RE/MAX Results, Shelly Farris, Caliber Home Loans and Miss Shannan will be discussing Is it Time to Sell Your Vacation Rental, Forbearance Consequences and Answering your credit and real estate questions.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

05/17/20 - Scams to Watch out for During the Covid-19 Pandemic

Sun, 17 May 2020 15:58:58 -0000

Mimi Schoneman (Host and CEO of The Red Hot Real Estate Group with RE/MAX Results), Phil Olson (Supreme Lending) and Miss Shannan will be discussing Scams to watch out for during these COVID Times, Problems Associated with Forbearance, and Bridge Loans, Plus our recipe of the week!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/26/20 - What To Do About Forbearance?

Sun, 26 Apr 2020 15:59:04 -0000

Host Miss Shannan is joined with Mimi Schoneman (RE/MAX Results), and Phil Olson (AMEC) will discuss What to know about Forbearance, Things to do while You are at home to get your house ready to Sell. Plus, our Recipe of the week.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

04/05/2020 - Buying & Selling Amid the Covid-19 Pandemic

Sun, 05 Apr 2020 15:59:59 -0000

Mimi Schoneman (RE/MAX Results) Phil Olson (AMEC Home Loans) and Ms. Shannan discuss Buying and Selling amid the Covid-19 Pandemic and The Kitchen is the Heart of the Home Recipe of the week.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

03-15-2020 - Housing, Coronavirus, and Preparing to Sell Your House

Sun, 15 Mar 2020 15:58:32 -0000

Hosts Mimi Schoneman (RE/MAX Results) and Ms. Shannan discuss Housing and the Coronavirus and, what you need to do to prepare your house for Sale.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/8/20 Rates are Low!

Sun, 08 Mar 2020 15:00:00 -0000

3/1/2020 - Bridge Loans, Refinancing, and the Corona Virus

Sun, 01 Mar 2020 17:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman, Phil Olson talk about the affect on the markets over last 4 weeks

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/16/20 - Problems and Surprises with Credit and Income

Sun, 16 Feb 2020 17:00:00 -0000

Mimi Schoneman, RE/MAX Results, Shelly Farris, Sierra Pacific and Miss Shannan discuss Problems and Surprises with Credit and Income in getting a Mortgage and answering your questions on Buying and Selling your Property.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/9/20 - The New Energy Disclosure Reports For Minneapolis

Sun, 09 Feb 2020 06:00:00 -0000

Mimi Schoneman, RE/MAX Results, and Miss Shannan discuss The New Energy Disclosure Report required by Minneapolis, Common Required Repairs for the Truth In Sale Evaluation and Things You Should Know before Buying!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/26/20 - The Spring Market

Sun, 26 Jan 2020 17:00:00 -0000

The Spring Market is coming! hosts Miss Shannan and Phil Olson (Amec Home Loans) to talk about how can you succeed in a hot market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/12/20 - Let's Talk About YOUR Credit!

Sun, 12 Jan 2020 17:00:00 -0000

Hosts Miss Shannan is joined by Mimi Schoneman, (RE/MAX Results) and Shelly Farris (Sierra Pacific Mortgage) to discuss Your Credit – Please Consult with the Experts!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/05/20 - The Dangers Of Undetected Radon

Sun, 05 Jan 2020 17:00:00 -0000

Hosts Miss Shannan is joined with Mimi Schoneman (from ReMax Results) to discuss Radon Awareness Month. Hosts will also be discussing the dangers of undetected Radon and the best things you can do to your Home to add value, plus, Important Staging Tips.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/08/19 - What You Need To Know About Purchasing Condos, Town homes, and Duplexes

Sun, 08 Dec 2019 17:00:00 -0000

Hosts Miss Shannan and Phil Olson discuss all the things you should know about purchasing properties like Condos, Town homes, and Duplexes.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/17/19 - Credit Questions

Sun, 17 Nov 2019 17:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman (ReMax Results), and Shelley Ferris (Sierra Pacific Mortgage) answer all of your Credit Questions.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/10/19 - Scary Real Estate Stories

Sun, 10 Nov 2019 17:00:00 -0000

Host Miss Shannan is joined with Mimi Schoneman (ReMax Results) and Phil Olson (Amec Loans) to discuss some of the scary stories you might hear about the real estate market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

11/03/19 - Problematic Situations In Real Estate and In Life

Sun, 03 Nov 2019 19:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman with ReMax Results, and Phil Olson with Amec Home Mortgage discuss problematic situations in your life and in real estate.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/27/19 - What's Lurking Around Your Housing Corner

Sun, 27 Oct 2019 17:00:00 -0000

Host Sanni is joined by Mimi Schoneman and Shelly Farris discussing what's lurking around your housing corner.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/20/19 - Wealth Building Goals

Sun, 20 Oct 2019 17:00:00 -0000

Today on The Red Hot Real Estate Show Mimi Schoneman and Miss Shannan are talking about Wealth Building Goals for every stage of life, Turbulence that Mimi and The Red Hot Real Estate Group will help you over-come to make you have a seamless transaction and how to get ready for your perfect photo shoot!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/6/19 - Appraisals

Sun, 06 Oct 2019 04:00:00 -0000

Great information about appraisals with guest Zoe Liston

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/29/19 - Ugly Houses and iBuyers

Sun, 29 Sep 2019 04:00:00 -0000

Today on The Red Hot Real Estate Show, special guest RE/MAX Results General Manager, Mike Vanderheyden joins Hosts Miss Shannan and Mimi Schoneman to discuss Ugly Houses and iBuyers.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/22/19 - Mortgage & Real Estate Success Stories

Sun, 22 Sep 2019 15:00:00 -0000

Today on The Red Hot Real Estate Show Hosts Miss Shannan is joined by Mimi Schoneman, Shelly Farris to share some of their most memorable Mortgage and Real Estate Success Stories!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/15/19 - Risk vs Reward!

Sun, 15 Sep 2019 04:00:00 -0000

Today on The Red Hot Real Estate Show Mimi Schoneman, Phil Olson and Sanni Brown will be discussing Mortgage and Real Estate Risk vs Reward!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/8/19 - Risk Versus Reward

Sun, 08 Sep 2019 15:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman (ReMax Results), and Phil Olson (AMEC Home Loans) to discuss risk and rewards of buying a house.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/25/19 - You Can't Google That!

Sun, 25 Aug 2019 15:00:00 -0000

Today on The Red Hot Real Estate Show Miss Shannan is joined by Mimi Schoneman and Shelly Farris to talk about what you CAN'T find about mortgage lending on Google!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/11/19 - The Perfect 90 Day Home Owner Checklist

Sun, 11 Aug 2019 15:00:00 -0000

Today on The Red Hot Real Estate Show Mimi Schoneman, Phil Olson and Miss Shannon are talking about the perfect 90 Day Home Owner Checklist!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/28/19 - Behind The Scenes Mortgage & Real Estate Problems

Sun, 28 Jul 2019 15:00:00 -0000

Today on The Red Hot Real Estate Show Mimi Schoneman, Shelly Farris and Miss Shannon are talking about behind the scenes Mortgage and Real Estate Problems that Get Solved and Save the Deal!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/14/19 - Red Hot Real Estate And Mortgage Trivia!

Sun, 14 Jul 2019 15:00:00 -0000

Today on The Red Hot Real Estate Show, Hosts Miss Shannan is joined by Mimi Schoneman and Phil Olson to play some red hot real estate and mortgage trivia!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/30/19 - Questions to Ask about the Home Owner's Association

Sun, 30 Jun 2019 15:00:00 -0000

Today on The Red Hot Real Estate Show Mimi Schoneman and Miss Shannon will be discussing the questions that you should ask about the Home Owner’s Association and things you NEED TO KNOW before finding a house.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/23/19 - Second Home Markets

Sun, 23 Jun 2019 17:00:00 -0000

In this episode, Mimi Schoneman, Phil Olson and Sanni discuss second home markets, including lake and cabin homes.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/9/19 - How Divorce Can Effect Real Estate

Sun, 09 Jun 2019 15:00:00 -0000

Hosts Miss Shannan joined by Mimi Schoneman and Shelly Farris discuss some of the impacts a divorce can have on real estate.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/4/19 - Second Homes

Sun, 02 Jun 2019 17:00:00 -0000

In this episode, Mimi Schoneman, Phil Olson and Miss Shannan discuss whether it is time to take the plunge and buy your second home.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/19/19 Situations Buyers and Sellers Face (Part 2)

Sun, 19 May 2019 17:00:00 -0000

Sanni, Mimi Schoneman from ReMax Results, and Phil Olson from AMEC discuss common situations buyers and sellers face.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/5/19 - Here's What May Be Hurting Your Credit

Sun, 05 May 2019 15:00:00 -0000

Hosts Miss Shannan joined with Mimi Schoneman and Shelly Farris discuss the things on your credit that may be harming your score.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/14/19 - Strategies to Sell First and Buy Second

Sun, 28 Apr 2019 15:00:00 -0000

Today on The Red Hot Real Estate Show Mimi Schoneman, Miss Shannon and Phil Olson, AMEC Mortgage will be discussing Strategies to Sell First and Buy second and How do you Recast a Loan and Tips to Get your Offer Accepted in this Tight Market!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/14/19 - Strategies to Position Buyers/Sellers in this Hot Market

Sun, 14 Apr 2019 15:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman, and Phil Olson talk about how to get buyers and sellers to make the most of the current market.

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4/7/19 - Credit Scores Are NOT Set in Stone

Sun, 07 Apr 2019 15:00:00 -0000

Today on the Red Hot Real Estate Show, Mimi Schoneman, Miss Shannan, and Shelley Farris the Credit Contessa clear up the confusion about Credit Scores: They're NOT set in stone! We're also answer your questions about how to prepare your house for sale.

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3/31/19 - The Cost of Waiting to Sell

Sun, 31 Mar 2019 15:00:00 -0000

Today on The Red Hot Real Estate Show Mimi Schoneman and Miss Shannon will be discussing the cost of waiting to Sell, and 20+ Tips to Prepare your House for Sale, And, Should you allow a Buyer to take possession before closing?

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3/24/19 - Online Lender Pitfalls and How To Be A Good Buyer

Sun, 24 Mar 2019 04:00:00 -0000

Hosts Miss Shannan joined with Mimi Schoneman discuss the pitfalls of loaning from online lenders and how to be a good buyer.

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3/10/19 - Facing Seller/Buyer Pain in Today's Market

Sun, 10 Mar 2019 15:00:00 -0000

Hosts Miss Shannan are joined by Mimi Schoneman (Remax Results) and Phil Olson to discuss tips on how you can face seller and buyer pain in today's market.

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3/3/19 Questions and Answers For Condos and Townhomes

Sun, 03 Mar 2019 17:00:00 -0000

Phil Olson, with AMEC Home Loans is on the show today and we discuss what you need to know about Home Owner Associations and the best way to finance Condos and Townhomes.

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2/24/19 - What to do about those Pesky Ice Dams

Sun, 24 Feb 2019 17:00:00 -0000

Miss Shannan is joined with Shelley Farris from Sierra Specific Mortgage to talk about what you can do about Ice Dams.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/17/19 - What is a Non-Qualified Mortgage?

Sun, 17 Feb 2019 17:00:00 -0000

Host Miss Shannan and Mimi Schoneman from Remax Results are joined by Shelley Ferris, the Credit Contessa to talk about the rules of a "Non-Qualified Mortgage."

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/10/19 - What to do in the Next 2 Weeks to Get Your House to Sell

Sun, 10 Feb 2019 17:00:00 -0000

Host Miss Shannan and Mimi Schoneman from ReMax Results talk about a few things that you can do to get your house ready to sell in the next 2 weeks.

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2/03/19 - What's Happening in the Rental Market

Sun, 03 Feb 2019 19:00:00 -0000

Hosts Miss Shannan and Phil Olson with AMEC Home Mortgage Lender talk about what is happening in the rental market.

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1/13/19 - Bad Mortgage Behavior

Sun, 13 Jan 2019 19:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Miss Shannan will be discussing Bad Mortgage Behavior, The risks of Co-Signing on that loan, and The Best things you can spend money on in your house when getting ready to Sell!

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1/6/19 - Understanding Credit

Sun, 06 Jan 2019 06:00:00 -0000

Host Miss Shannan and Phil Olson help you understand all the ways that credit can effect your life.

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12/01/18 Appraisals

Sun, 02 Dec 2018 19:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Phil Olson, AMEC and guest Appraiser ,Tod Davis join the show and take your appraisal questions.

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11/11 - Everything You Need to Know about V.A. Benefits

Sun, 11 Nov 2018 17:00:00 -0000

Hosts Miss Shannan, Mimi Schoneman, Phil Olson talk about why you don't have to feel left out of home ownership as a Veteran. Hosts also discussed how you can use your Veteran benefits.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/28 - What Mom Wants YOU to know about Real Estate

Sun, 28 Oct 2018 15:00:00 -0000

Mother Knows Best, right? Hosts Miss Shannan and Mimi Schoneman talk about all the stuff your Mom wants YOU to know about the real estate world!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

10/21 - Changing Rate Environment

Sun, 21 Oct 2018 15:00:00 -0000

Host Miss Shannan, Mimi Schoneman, and Shelly Farris discuss the Changing Rate Environment and what YOU can do about it!

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10/14 - How to Find the Right Neighborhood

Sun, 14 Oct 2018 15:00:00 -0000

Today on The Red Hot Real Estate Show, Shannan Paul and Mimi Schoneman will be discussing how to choose a good neighborhood before you Buy a House. They're joined by local celebrity Jon Liesenfeld to talk about about his Non-Profit One Love Brigade and how we can help this awesome cause!

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10/06 - Are You Being Left behind in Real Estate?

Sun, 07 Oct 2018 15:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Phil Olson, AMEC will be discussing Are You being Left behind in Real Estate?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/30 Get Yourself Out Of Debt

Sun, 30 Sep 2018 15:00:00 -0000

Phil Olson joins the show today. We discuss credit, student loans, and all the challenges that are holding you back from your investment dreams. Where should your credit score be? What is a down payment assistance program?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/23 - New Construction & The Parade of Homes

Sun, 23 Sep 2018 17:00:00 -0000

Today Mimi Schoneman, RE/MAX Results, Shelly Farris, Results Mortgage, and Holly Roberts will discuss credit scores to get a mortgage, new construction, and the Parade of Homes.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

9/16 - The Closing

Sun, 16 Sep 2018 15:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Miss Shannan will discuss What to Expect at A Closing , the Top 9 Mortgage Mistakes to Avoid, and your 60 Day Moving Checklist.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/26 - How to Build Wealth in this Economy

Sun, 26 Aug 2018 15:00:00 -0000

Today Phil Olson with AMEC and Miss Shannan will discuss how to build wealth in the current economy.

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8/12 - Add Curb Appeal!

Sun, 12 Aug 2018 17:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Miss Shannan will continue our discussion on the 32 Questions Homebuyers Should Ask Themselves and 20 Ways to Add Curb Appeal!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

8/5 - Should I Buy a House?

Sun, 05 Aug 2018 15:00:00 -0000

Today Host Miss Shannan, Mimi Schoneman (RE/MAX Results), and Shelly Farris (Results Mortgage) ask you the question: "Should You Buy a Home?"

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/29 - 32 Questions Homebuyers Should Ask Themselves

Sun, 29 Jul 2018 15:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Miss Shannan will be discussing 32 Questions Homebuyers Should Ask Themselves and 20 Ways to Add Curb Appeal!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/22 - "Questions You Should Ask Your Mortgage Loan Officer"

Sun, 22 Jul 2018 15:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Shelly Farris, V.P of Results Mortgage will be discussing Questions you Should ask a Mortgage Loan Officer and Taking All of Your Questions!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/15 - "32 Questions Homebuyers Should Ask Themselves"

Sun, 15 Jul 2018 15:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Miss Shannan will be discussing 32 Questions Homebuyers Should Ask Themselves and 20 Ways to Add Curb Appeal!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

7/8 - "Real Estate Bloopers"

Sun, 08 Jul 2018 04:00:00 -0000

Host Miss Shannan joined with Mimi Schoneman, and Phil Olson to discuss some of the horror stories/bloopers regarding Real Estate Mortgages and Title 101's.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/24 - "What You Should Know About Appraisals, Closing Costs, & Mortgage Mistakes"

Sun, 24 Jun 2018 15:00:00 -0000

Mimi Schoneman (RE/MAX Results), Miss Shannan and Shelly Farris (Results Mortgage) will be discussing what you should know about Appraisals, Closing Costs, and Mortgage Mistakes!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

6/3 - "The Do's & Don'ts of Mortgages"

Sun, 03 Jun 2018 04:00:00 -0000

Today Mimi Schoneman, RE/MAX Results and Phil Olson, AMEC will be discussing the do’s and don’ts of mortgages, and What Closing Costs You Should Expect.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/20 - "Mortgages and Renovations"

Sun, 20 May 2018 04:00:00 -0000

Today Mimi Schoneman, Shelly Farris from Results Mortgage, and host Miss Shannan discuss mortgages and renovated houses! Be sure to check out the featured house of the week!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/13/18 Things Moms want in a Home

Sun, 13 May 2018 17:00:00 -0000

Today Mimi Schoneman and Miss Shannan will be discussing 53 Things Mom’s Want in a House and Should you consider letting your Buyer move in before the closing and More!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

5/6 - "RED HOT REAL ESTATE TOPICS"

Sun, 06 May 2018 04:00:00 -0000

Today on The Red Hot Real Estate Show, Host Miss Shanna and Phil Olson discuss some of the most popular topics and questions asked about today's current real estate market.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/29 - "Appraisals"

Sun, 29 Apr 2018 04:00:00 -0000

Host Miss Shannan and Mimi Schoneman talk about the importance of Appraisals.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/22 - "How to Navigate Yourself in this Market"

Sun, 22 Apr 2018 04:00:00 -0000

Today Hosts Miss Shanna and Mimi will be discussing the Things to consider when choosing a Retirement Home, The cost of Waiting to Buy, Home Buyer Mistakes and Things to Negotiate after the Home Inspection.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

4/5 Sunday: "Spring into Action!"

Sun, 08 Apr 2018 16:00:00 -0000

Host Miss Shannan, Mimi Schoneman and Phil Olson talk about how RED HOT the market is in Spring!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/25 Red Hot Real Estate

Sun, 25 Mar 2018 04:00:00 -0000

Today Host Miss Shannan, Mimi, and Shelly Farris with Results Mortgage will be discussing FAQ’s of the mortgage world!

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/18 Red Hot Real Estate

Sun, 18 Mar 2018 04:00:00 -0000

Today Mimi Schoneman and Miss Shannan will be discussing Seller’s Insights on getting ready to Sell in this Red Hot Market and How to get ready for a Selling Photo Shoot.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

3/11 Red Hot Real Estate

Sun, 11 Mar 2018 05:00:00 -0000

Today Phil Olson and Miss Shannan will be discussing Mortgage Alternative Creative Financing Options to consider.

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2/25 Red Hot Real Estate

Sun, 25 Feb 2018 06:00:00 -0000

Today Host Miss Shanna, Mimi and Shelly Farris will be discussing The Real Estate Market Update and things to consider when Buying New Construction.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

2/18 Red Hot Real Estate

Sun, 18 Feb 2018 06:00:00 -0000

Today Mimi and Phil Olson will be discussing The Real Estate Market Update, How to Buy your 2nd Home, and the New Shop and Lock Program.

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2/4 Red Hot Real Estate

Sun, 04 Feb 2018 06:00:00 -0000

Ms. Shannan and Mimi talk about why we love living in the cold north! Tune in to find out the different thrills, chills, and feels of different neighborhoods located in and around the Twin Cities Area. Red Hot House – http://bit.ly/10230-28th-Plymouth Winter 2017 Seller Guide - http://bit.ly/Winter2017SellerGuide Winter 2017 Buyer Guide - http://bit.ly/Winter2017BuyingGuide www.RedHotDivorceInfo.com Search for Homes Here! www.ViewGreaterMinneapolisHomes.com Quick Over The Net Home Evaluation http://bit.ly/QuickEval 2017 Super Real Estate Agents™ http://superrealestateagent.com/SREA/media/SREA/SREA_16o.jpg http://bit.ly/SuperAgentMimiSchoneman Facing Divorce? We have resources for you! www.RedHotDivorceInfo.com Connect with an out of State or International REALTOR®! www.MimiHelpMeMove.com Like us on Facebook! www.Facebook.com/RedHotRealEstateGroup. Market Insight Newsletter http://bit.ly/MarketInsightNewsletter Free Real Estate Mobile Real App: Text the word “MIMI” to 612-223-7700 VIP Buyer Hot List of Homes www.RedHotVIPBuyer.com Contact Mimi at: 651.578.2218 www.RedHotRealEstateUSA.com Mimi@MNRedHotRealEstate.com

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1/28 Red Hot Real Estate

Sun, 28 Jan 2018 10:01:00 -0000

Mimi discussed staging and other techniques that aid home buyers and sellers.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1/14 Red Hot Real Estate

Sun, 14 Jan 2018 10:01:00 -0000

Phil Olson joins the show today. The market does not slow down in the winter. Some of the red flags we see in this business.

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1/07 Red Hot Real Estate

Sun, 07 Jan 2018 10:01:00 -0000

Shelly Farris joins the show today. What real estate resolutions should you make this year? What is the best investment you can make on your home? What will damage your credit score?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/17 Red Hot Real Estate

Sun, 17 Dec 2017 10:01:00 -0000

Mortgage expert Shelly Farris is in today. You can buy before you sell. How to get your home show ready. Planning for next year. Do your taxes ASAP. There are down payment assistant programs. Refinancing your home. What should and shouldn't you do with credit. Wheelchair modifications.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

12/10 Red Hot Real Estate

Sun, 10 Dec 2017 10:01:00 -0000

The winter buying and selling guides are here and now you can order one online for free! Don't wait to make your move on the market. Why you should sell your home in the winter. Consider duplexes.

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12/03 Red Hot Real Estate

Sun, 03 Dec 2017 10:01:00 -0000

Phil Olson joins the show. Buying and selling ugly ...

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11/19 Red Hot Real Estate

Sun, 19 Nov 2017 10:01:00 -0000

Phil Olson is in today. We talk bankruptcy, foreclosure, and short sales. How will bankruptcy effect your home buying and selling experience. How do you recover from it? Loan modification. What if ...

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