Know Before You Owe

Know Before You Owe with Jim Black brings you conversations with top voices in real estate, finance, and entrepreneurship. Each episode explores practical lessons, industry insights, and personal stories from leaders shaping the future of housing and business. Whether you’re an investor, agent, or entrepreneur, this podcast helps you stay informed, inspired, and ready to grow.

Episodes

How Smart Lenders Are Scaling Without Burning Out

October 6, 2025 • 20 mins

In this episode of Know Before You Owe, Jim Black sits down with Matt Coles to demystify what it takes to go from mortgage broker to banker, and why warehouse lines and AI-backed decision-making are key to scaling in today’s environment. They also explore how to prepare now for the next market cycle in 2026, how smaller lenders are outpacing big institutions, and how to avoid the burnout of previous ...

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Why Your Tech Stack is Ghosting You (and How Rollout Fixes It)

September 29, 2025 • 15 mins

I sat down with AK Lalani from Rollout to talk about why your shiny tools don’t talk to each other, and how his universal API fixes it without you selling your soul (or budget) to engineers.

Think of this as therapy for anyone who’s ever asked, “Why can’t this app just work with that one already?” From real estate CRMs to mortgage platforms and even AI workflows, AK shares how Rollout makes your te...

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How First-Time Buyers Save on Down Payments With Shared Equity

September 22, 2025 • 22 mins

In this episode, I chat with Sanjay Kuttemperoor from Steadworth about how his platform helps buyers get into homes faster without being crushed by the traditional down payment. We talk through how shared equity works, the risks, the math, and why this is a big deal for first-time buyers and beyond.

If you’ve been stuck renting or thinking homeownership is out of reach, you’ll want to hear this one...

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Bill Sperry : Real Estate Mindset

September 15, 2025 • 26 mins

On today's episode of Know Before You Know, we're joined by Bill Sperry, the most renowned voice in real estate. With years of experience working with hundreds of thousands of agents, Bill has witnessed the industry grow from the early days of the internet to AI-based business models.

We discuss why relationships will continue to trump leads, how to remain relevant in a cacophonous world, and what ...

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What Most Homebuyers Don’t Know About Title Insurance Costs

September 8, 2025 • 11 mins

In this quick and insightful episode of Know Before You Owe, Jim Black sits down with Grant Marple to talk about why title insurance fees are misunderstood, often overpriced, and completely within the buyer’s control. They unpack what’s actually covered by title insurance, why mechanics liens are more common than people think, and how you can use title transparency as a negotiation advantage, whether...

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How KeySteps Helps First-Time Buyers Budget, Build Credit, and Buy Smarter

September 1, 2025 • 20 mins

Are you ready to take control of your financial future and prepare for homeownership with confidence? In this episode of Know Before You Oh, Jim sits down with Brian View of Key Steps to break down how technology and trusted guidance can help first-time buyers and seasoned homeowners alike make smarter financial choices. Brian explains how Key Steps, powered by FinLocker, goes beyond credit monitoring and budgeting. It’s a comple...

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