In this special midweek episode of The Call to Farms Podcast, Tim and Sophie sit down to share a timely December housing market update and the real conversations they are having every day with families across the country.
This episode goes beyond headlines and rate talk. It pulls back the curtain on what is actually happening right now in lending, home buying, refinancing, and debt consolidation, especially for first time home buyers, veterans, and single income families feeling the pressure of today’s economy.
You will hear why mortgage rates are not reacting the way many people expect, why debt consolidation has become one of the most urgent needs this season, and how strategic tools like HELOCs, cash out refinances, and VA loan programs can be used responsibly to create breathing room instead of stress.
Tim and Sophie also share real client stories that highlight why working with an advisor who educates and advocates matters, how buyer concessions are showing up across the country, and why preparation now can make a significant difference heading into 2026.
This episode is also an invitation.
If you are thinking about buying your first home, planning a move, or simply want clarity on the process, join Tim and Sophie for their First Time Home Buyer Class this Thursday at 7:00 PM Eastern. This free class will walk through the home buying process step by step, explain current market conditions, and help you understand your options clearly and confidently.
If you are looking to protect your family, reduce financial stress, and learn how to become more resilient long term, you are also invited to their Life Insurance and Infinite Banking Workshop on Thursday, January 29th at 7:00 PM Eastern. This session breaks down how families can use whole life insurance strategically, not as a product pitch, but as a financial tool for stability, control, and legacy.
Whether you are a first time buyer, a homeowner feeling stretched, a veteran planning your next move, or a family looking to live more intentionally, this episode will give you practical insight and a clear next step.
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Interested in learning more about home buying? Join our live, online workshop on Thursday, December 18th at 4pm PST / 7pm EST.
Get your copy of Becoming Your Own Banker and be sure to bring your questions to our live workshop!
Interested in learning more about protecting and securing your homestead and family? Join our live, online workshop on Thursday, January 29th at 4pm PST / 7pm EST.
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