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Mortgage Cowboys

Mortgage Cowboys

Written by: SB Studios
Listen for free

Grab a seat, pour your favorite drink, join two seasoned mortgage pros as they break down the real estate and lending world, without the jargon or boring suits. From market trends, mortgage myths, to wild stories from the field, nothing's off the table. Whether you're a realtor, homebuyer, or just mortgage curious, you'll get honest insights, laughs, and maybe a few "did they really say that" moments.SB Studios
Episodes
  • How Tim Turns Instagram Followers Into Real Estate Clients
    Jul 29 2026

    Real estate Instagram leads are not just about posting more content, they come from starting better conversations.In Episode 16 and part two of this Mortgage Cowboys conversation, Mark and Todd continue their sit-down with Idaho Realtor Tim Smith to talk about how he treats Instagram like a real prospecting system. Tim breaks down why every new follower can become a potential conversation, how lead magnets like relocation guides and seller guides create intent, and why follow-up matters more than most agents realize. 00:00 – Welcome to Mortgage Cowboys00:30 – How Tim treats Instagram followers like leads01:00 – Using relocation guides to start real estate conversations02:15 – Instagram lead labels, bots, and filtering prospects05:30 – Should lenders co-host open houses as agents?07:00 – Why lender-agent relationships are hard to break08:20 – Using podcasts to build realtor referral partners09:00 – Why authenticity attracts the right clients09:40 – Tim’s “My Real Estate Dude” approach13:00 – Introverts, rejection, and sales confidence15:00 – The fear of public speaking and awkward conversations20:30 – The most rewarding real estate clients25:45 – Why new construction became Tim’s favorite niche28:20 – Builder lenders, incentives, and comparing loan quotes01:03:10 – Dressing professional without losing your identitySubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

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    1 hr and 33 mins
  • How Tim Used Instagram to Close $19M in Real Estate
    Jul 22 2026

    #realestateagents #realestateleads #realestatesocialmedia #idahorealestate Real estate social media leads are changing how agents, mortgage brokers, and lenders build trust before the first conversation ever happens.In episode 15 of Mortgage Cowboys, Mark and Todd sit down with Idaho Realtor Tim Smith to talk about how he got into real estate at 19, went from selling 8 homes to 47 homes, rebuilt momentum after a difficult year, and used Instagram to turn relocation content into real clients.Tim shares what cold calling taught him, why conversations still drive the business, how social media helped him attract buyers moving to Idaho, and why personal branding matters more than ever for real estate professionals. The conversation also gets into AI, whether real estate agents could be replaced, podcast networking, tattoos in business, Idaho growth, discipline, and the habits that help agents stay consistent.00:00 – Welcome to Mortgage Cowboys00:45 – Tim’s start in real estate at 1902:18 – From 8 homes to 47 homes sold03:20 – How cold calling built Tim’s early business08:00 – How interest rates changed the market12:30 – Why people are relocating to Idaho16:00 – Is Idaho the next big real estate market?23:10 – AI and the future of real estate agents26:20 – How agents can use AI without being replaced32:00 – Why podcasting creates better networking37:40 – Growing from 350 to 22,000 Instagram followers40:00 – Closing $19M in real estate volume01:03:05 – Tim’s advice for new real estate agents01:06:20 – Social media as free advertising01:29:25 – Keeping the prospecting wheel turningSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

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    1 hr and 32 mins
  • Mortgage Rates, Market Swings, and the 2026 Waiting Game
    Jul 15 2026

    Mortgage rates in 2026 are finally showing signs of improvement, but the market still feels unpredictable for real estate agents, mortgage brokers, lenders, and buyers.In episode 14 of Mortgage Cowboys, Mark and Todd talk through what is happening with rates, why the bond market has been so volatile, and how global events continue to create uncertainty in the mortgage and real estate world.00:00 – Welcome to Mortgage Cowboys07:24 – Todd’s move to Tennessee15:38 – What is happening with mortgage rates16:10 – Why the 2026 market has been so volatile17:00 – The mortgage rate bet continues17:48 – Bond market improvement and rate movement18:25 – Mark starts working out again23:22 – The problem with things being too convenient25:20 – Mark’s first workout with Todd28:40 – ClosingSubscribe to the channel and share your thoughts in the comments. Listen here: https://creators.spotify.com/pod/profile/mortgagecowboys/Produced in partnership with SB Studios.Start Your Podcast Today Here: https://www.sbstudios.co

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    29 mins
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