Thinking about buying a home but confused about FHA vs. USDA loans? In this episode, Julie Barritt & Sarah Wilkes break down everything you need to know about FHA home loans, including low down payment options, credit score requirements, debt-to-income ratios, and how FHA compares to USDA 100% financing.

We talk income limits, down payment assistance programs, first-time home buyer options, and whether you can really buy a house with little to no money down. We share real client success stories and explain how improving your credit score and financial profile can open doors to homeownership sooner than you think.

If you’re navigating the home buying process, wondering about mortgage pre-approval, or trying to understand your loan options, this episode gives you clear, practical guidance. Learn how working with experienced lenders and a knowledgeable Realtor can make all the difference when securing the right mortgage loan.

In this episode, Julie Barritt & Sarah Wilkes sit down and talk through USDA loans in a way that actually makes sense. No lender jargon. No confusing fine print. Just the real story on how USDA home loans work, who qualifies, and whether zero down payment is actually a thing (spoiler: sometimes, yes).

They clear up common myths about “rural” areas, income limits, and what buyers need to know before getting their hopes up. The conversation also covers home inspections, common red flags, green flags, and how USDA financing compares to FHA and conventional loans.

If you’re a first-time home buyer, living in a small town, or just wondering if you qualify for a low-to-no down payment mortgage option, this episode walks you through the basics of the home buying process without overcomplicating it.

Thinking about buying? This is your starting point.

This week, we’re talking about the Super Bowl halftime show — and the surprising backlash that followed. What started as casual commentary on commercials and performances turned into a bigger conversation about division, social media outrage, and how quickly entertainment becomes political.

We share our thoughts on the NFL halftime performance featuring Bad Bunny, the alternative broadcast tied to Turning Point USA with Kid Rock, and why the reaction felt heavier than the moment.

As Realtors, we explain why we stay neutral in our careers and serve clients of every background and belief. This episode isn’t about sides — it’s about respect. Different opinions are fine. Hate isn’t.

Because at the end of the day, it costs nothing to be kind.