🎙️ Welcome back to another compelling episode of Real Estate Jerky with your hosts Ed Parcaut and Mike Kelly. Today, we dive deep into the current challenges and trends shaping the real estate landscape. 
✨ **Key Topics Discussed:**
- **Employment Verification:** The headaches and nuances of verifying employment through phone calls.
- **Builders' Challenges:** Analyzing the National Association of Housing Builders' report and the struggles faced by builders due to low new home sales.
- **Buy-Down Rates & Local Struggles:** Insight into the impact of buy-down rates on new home sales in areas like Oakdale and Riverbank.
- **Government Spending:** How government spending affects bond market rates and the deficit.
- **Commission Rates:** President Biden's push for real estate agents to lower commission rates.
- **Mortgage Rates & Credit Scores:** Detailed discussion on current mortgage rates, the influence of credit scores, and issues around locked credit reports.
- **Insurance Woes & Wildfires:** The complications of bundling home and car insurance, particularly in wildfire-prone areas.
- **New Laws & Regulations:** Overview of new laws effective July 1, 2024, including the Gun Violence Prevention and School Safety Act, SB 684, SB 478, and more.
- **Real Estate Transactions:** Challenges related to property appraisals, disclosure requirements, waiting periods, and the FHA anti-flip rule.
- **Listeners' Engagement:** Reach us through web, social media, or phone calls for more on real estate topics.
- **Banter & Anecdotes:** Lighthearted exchanges about aging, current events, and personal stories, adding a unique flavor to our show.
📅 **Tune In:**
Catch us live every Saturday at 12 PM and Sunday at 10 AM on Power Talk 1360 KFIV. 🔗**Follow Us:**
- Website: [Ed Parcaut]
- Facebook: [Ed Parcaut]
- Twitter: [@parcaut]
- Instagram: [@edparcaut]
**Contact:**
For inquiries and sponsorship opportunities, email us at radio@realestatejerky.com 
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