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What if your greatest edge in real estate isn’t how well you can sell, but how well you understand debt?

Mike Williams is a top producing real estate agent with Keller Williams, a former mortgage lender, and a lifelong San Diegan with decades of experience across lending, real estate, and even the golf industry. In this episode of the Lines Podcast, Mike opens up about his journey from growing up in a Marine family and living in Rome to breaking into lending and eventually becoming a full-time real estate agent.

He explains why understanding financing is essential for every agent, how to adapt to changing markets, and how trust and consistency drive referrals and long-term success.

Are you a real estate professional looking to level up your game?

Chapters

00:00 Mike Williams Early Life and Military Upbringing
04:45 Getting Into Lending and Learning the Mortgage Industry
11:59 Golf, Sales, and Startup Experience
20:47 Transition Into Real Estate and Building a Career
32:50 Navigating Market Shifts and Working with Clients
47:00 San Diego Forecast, Referrals, and Long-Term Strategy

Quotes:

“If you can’t understand the debt side, you’re missing half the picture.” ~ Mike Williams

“Sales is just solving problems, if you do it right, people come back.” ~ Mike Williams

“Top of mind means being in their lives, even when they’re not buying or selling.” ~ Mike Williams

“You’ll run out of money before you run out of time, be ready for the pain.” ~ Mike Williams

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