Stop Blaming the Market!

The Colorado Springs housing market has been unpredictable, but what’s really happening behind the scenes? In this episode of More Than A Mortgage, Jimmy Oliver sits down with longtime friend and industry veteran Steve Perry to talk about the realities of today’s market from high inventory and rising costs to what first-time homebuyers and real estate agents can actually do to win. Together they unpack: 🏠 Why 2025’s sales season was tougher than expected 📊 What’s really driving Colorado Springs housing prices 💰 How interest rates, inflation, and “cheap money” shape today’s market 🤝 The critical bond between lenders and real estate agents 💡 Why systems, processes, and mindset matter more than ever …and Steve’s timeless lessons on mentorship, customer experience, and keeping integrity at the heart of every deal. Whether you’re a homebuyer, agent, or investor, this episode gives you the insight you need to navigate the next 12 months with confidence. 📅 Book a free 30-min home loan consultation: 👉 https://calendly.com/jimmy-k0vh/free-consultation-1 📘 Join the Mortgage Hub (Facebook Group): 👉 https://www.facebook.com/groups/mortgagehubco 📺 Subscribe for weekly mortgage & market insight: 👉 https://www.youtube.com/@jimmylends 00:00 – Intro: Welcome Steve Perry & a look back on 8 years with Indigo Mortgage 02:10 – 2025 sales season recap: inventory, pricing, and buyer challenges 05:00 – Why high inventory isn’t translating into a buyer’s market 07:30 – Rising costs, rate confusion & the myth of “waiting for 3%” 10:40 – Low-income vs. low-cost housing: redefining affordability in El Paso County 13:00 – The true cost of homeownership: taxes, utilities, and insurance 15:20 – VA loans, military relocation, and helping veterans avoid costly exits 18:10 – Why “buy anyway” is the smartest long-term move 21:30 – The lender + agent relationship: building a business team, not just a deal 25:40 – Internet lenders vs. local experts — why human connection wins 30:00 – Customer experience over customer service: creating real value 33:10 – Mentoring agents: mindset, consistency & treating real estate like a business 38:00 – Systems, processes, and how top agents stay consistent 42:30 – Navigating market shifts: lessons from 2008 to 2026 45:00 – Coaching agents through mindset dips & seasonal slowdowns 49:20 – The role of innovation and adapting to the market 53:10 – Product knowledge and integrity: keys to long-term success 57:00 – Why project management defines successful transactions 1:00:00 – The evolution of sales: from pressure to partnership 1:04:30 – High-pressure vs. high-value selling in today’s market 1:09:00 – The importance of matching clients with the right agents 1:13:30 – Building pipelines & playing the long game in sales 1:18:00 – Wrapping up: mentorship, relationships, and integrity in lending 1:21:00 – Closing thoughts & next episode preview

Added 13 Jul 2026