Nevada Real Estate Radio

Today, we have two guests from United Federal Credit Union. Stefan Dammen, Commercial Loan Officer and Brook Sweeting, Senior Relationship Development Manager join Peter to talk about the differences between commercial real estate lending and residential lending. We'll also learn about the differences between big, conglomerate banks and your local Credit Union. UnitedFCU.com Stefan Dammen 775.329.6673 Ext 5088 Brook Sweeting 775.329.6673 Ext 5356

Cheri Hill, President and CEO of Sage International is know as "The Wealth Protection Diva" for many reasons. Today, she shares her 30+ years of experience in strategizing and implementation for success-minded business owners. www.SageIntl.com www.CheriHillShow.com 800-254-5779

Jenn Menken joins us today to talk about the Hidden Valley Buzz. She's letting residents know about neighborhood activities and about the latest in residential real estate. We'll also talk about the latest statistics in northern Nevada. Larry Ryan, owner of Rapid Rooter talks about commercial plumbing and how critical it is for the growing number of businesses in Reno/Sparks and the Carson Valley. Jenn Menken NV Lic #56037 www.JennMenken.com 775-345-3070 www.RapidRooternNV.com 775-322-4121

Cheri Hill, the Wealth Protection Diva talks about the importance of using your real, correct name when signing any document related to real estate, business or financial holdings. Ryan Litteral from First Centennial Title talks about their Grand Opening Event at the new Gardnerville/Minden Office. Great networking, food and libations! thursday, September 28th at 1352 Hwy 395 N 114, Gardnerville Call 775-737-5110 to RSVP ryan@fctnv.com Maritza Rios-Garcia and Victor Salazar from United Federal Credit Union talk about the advantages of a Credit Union over a traditional bank. UnitedFCU.com

Rios-Garcia & Salazar, UFCW and CheriHill, Sage International by Peter Padilla

Allan Zane, Atlas Red Realty by Peter Padilla

Sara Sharkey, Co-President Sierra Nevada Realtors by Peter Padilla

Katie Coleman, Nevada Rural Housing Authority by Peter Padilla

Aaron Henson United Federal Credit Union by Peter Padilla

Expand you knowledge about the difference between the big, national banks and local credit unions, like United Federal Credit Union. Mortgage loans, car loans, personal loans, checking, savings, and more from local, face-to-face financial professionals. You will love doing business with United Federal Credit Union. www.UnitedFCU.com Brook Sweeting, Senior Relationship Development Manager NMLS # 1114786 BSweeting@UnitedFCU.com 775-329-6673 Aaron Henson, Production Sales Manager NMLS # 871357 AHenson@UnitedFCU.com 775-815-3390 Maritza Rios-Garcia, Double R Blvd. Reno Branch Manager 888-982-1400

Build lasting wealth with real estate investing. Dustin Heiner and the expert team at Master Passive Income are ready to guide you to become a successful real estate investor and show how you can create your own passive income business from scratch. It's really amazing! Get professional coaching through the process to quit your job with real estate investing. After helping hundreds of students to invest in real estate, MPC has developed the step-by-step process to get you to be a successful real estate investor. Whether 1-on-1 or Group Coaching, Master Passive Income has what you need to achieve success. Enjoy today's radio show and start turning your dreams into reality! Maybe you too will soon become successfully unemployed. MasterPassiveIncome.com text "rental" to 33777 SageIntl.com 800-254-5779

A discussion about the northern Nevada Real Estate market with two of the top leaders in real estate and mortgage. Our guests today are Angelica Reyes, Real estate professional at RE/MAX Gold, Lic. #BS 0145567 and Stephanie Carmichael, NMLS #210853 Branch Manager at Residential Bancorp. Angelica talks about the sentiment of the current market and a look and analysis of the stats provided by Sierra Nevada Realtors. Stephanie will share information about buyers that time the market and, a powerful mortgage loan type that requires zero money down! Plus we talk about the many good things about living in Nevada. Stephanie Carmichael NMLS #210853 775-470-5899 stephanie.carmichael@bancorp.com bancorp.com/reno Residential Bancorp NMLS #227885 875 Roberta Lane, Suite 103; Sparks, NV 89431 Angelica Reyes Lic. #BS 0145567 775-432-0745 myrenohometeam.com RE/MAX Gold 1401 S. Virginia St. Suite 100; Reno, NV Reno, NV

Ben Galles has over 20 years in real estate business focusing on multi-family and commercial real estate in northern and southern Nevada. Ben gives us a look at the differences in demand from north to southern Nevada. What is a good cap-rate in 2023? It varies from north to south too but Ben gives us a good range to consider. Is Las Vegas turning into Oakland? What is "real estate purgatory"? Is loan distress coming to southern Nevada? 5,000 new apartment doors are coming to northern Nevada. 10,000 new apartment doors are coming to southern Nevada. Go figure! Ben Galles LogicCRE.com Reno@logicCRE.com 775-750-6429 Peter Padilla peter@sageintl.com 775-786-5515

Cheri Hill is our number one contact when it comes to managing and prospering a small business or real estate investment portfolio. Today she gives us a legislative update on Nevada lawmakers thoughts (like SB-395) as we go into the strongest part of the year for home buyers and sellers. Will the proposed changes affect your decision to buy or sell real estate? Tune-in and listen. Sageintl.com 800-254-5779

Sara Sharkey and Christie Fernquest are the 2023 Co-Presidents for Sierra Nevada Realtors. Melanie Galvin (NMLS #502206)is a mortgage expert and Branch Manager at Fairway Independent Mortgage Corporation. The top brass from SNR have a delightful conversation with Peter about the latest statistics on primary residence home sales in northern Nevada and about the outlook for buyers and sellers during the high-demand Spring season. How do median home prices in northern Nevada compare with national numbers? We'll find out today. Melanie Galvin talks about Peter's two favorite mortgage types; the Reverse Mortgage and the VA Mortgage. And, are people still refinancing their existing mortgages? Yes, but not to get lower rates. www.SNR.realtor info@snr.realtor 775-823-8800 www.MelanieGalvinMortgage.com Melanie@FairwayMortgage.com 775-954-1045

Christie Fernquest, 2023 President of Sierra Nevada Realtors talks with Peter about the latest statistics of the real estate market in northern Nevada. The changes are dramatic when compared to 6 months ago and 1 year ago. Is it the right time to buy? Is it the right time to sell? Christie tells us that it depends on what your needs are today. Take advantage of the outstanding resources at SNR and always deal with a licensed real estate professional if you are looking to buy or sell. www.SNR.Realtor 775-823-8800

Lisamarie Wand from eXp Commercial and Cheri Hill from Sage International talk about commercial real estate opportunities in northern Nevada. These are two of the top leaders in working with commercial real estate investors. Learn from their experience and history in working with investors and business owners from across the U.S. www.LisamarieWand.com 775-224-5300 www.SageIntl.com 800-254-5779

Cheri Hill from Sage International, Inc. talks with Peter about business incorporation for entrepreneurs and real estate investors. You will learn from the foremost expert about protecting your business and wealth by using time-tested strategies. www.Sageintl.com 800-254-5779

Steve Higgs, Director at Sierra Nevada Zoological Park invites you to visit and enjoy the beauty of exotic animals that have been rescued from owners that can no longer take care of them. These are exotic animals and they offer a chance of a lifetime to see them in action at the park. Come for a visit and please support the efforts to provide food and shelter to these beautiful creatures. www.SierraNevadaZoologicalPark.org

Amanda Burden, Editor and Publisher of Edible Reno-Tahoe Magazine talks about the recent Drinks issue and about sponsoring the 2023 Nevada State Beekeepers Conference, Feb. 23-25, 2023 in Yerington, Nevada. It's a great event for new and experienced beekeepers. Sample great food made with local honey plus a keg of mead from Black Rabbit Meadery in Reno. You will love it!