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This is a casual podcast of a fellow youngling getting into the big world. Many of small conversations and personal thinking are said and it’s a work to improve with.
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Day by Day with Jay

Day by Day with Jay!

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We talk about everyday life, self independence, music, conspiracies, and lots of cool interviews with great guests. Support this podcast: https://podcasters.spotify.com/pod/show/daybydaywithjay/support
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Welcome to the Jay Day and the Day Home Team Podcast! Every week 99.9 WFRE’s Tom Whalen will be chatting with Jay to find out the latest news, tips and real estate secrets you need to know if you are planning on buying or selling a house.
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The guest you're about to listen to is going to be famous one day... You heard it here first. Host Steven Jay (that's me) welcomes engaging personalities who I believe are going to be famous one day. Guests provide vivid illustrations, explain confusing concepts, or reveal deeply personal experiences. Here you'll find yourself learning something new, listening to a captivating story, and maybe even transforming your perception on a subject, or person, you didn't previously understand. You'll ...
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This Week’s Podcast: What’s Behind Today’s Mortgage Rate Volatility? Are you wondering why mortgage rates have felt like a roller coaster ride recently? On this week’s podcast, we’re diving into the factors driving these constant fluctuations and what they mean for buyers and sellers alike. Here’s what we’ll discuss: How the election impacts rates:…
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🎙️ This Week’s Podcast: Post-Election Real Estate Trends! 🎙️ Now that the election is behind us, how has the real estate market responded? 🤔 Join us as we dive into the latest trends, exploring any immediate impacts and reviewing year-over-year market changes for Carroll, Frederick, Washington, Adams, Franklin, Jefferson, and Berkeley counties. 🏡📊 …
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This Week’s Podcast: Get Ready to Sell in 2025! 🎙️ Are you planning to sell your house in 2025? 📆 Now’s the time to start prepping! We’ll discuss why getting a head start can help you maximize your home’s value and minimize stress. 🛠️ From tackling necessary repairs to making strategic upgrades, early preparation is the key to a smooth sale. Here’s…
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📣 This Week on the Podcast: Election Year Effects on the Housing Market!🏡 With the 2024 Presidential election around the corner, we’re breaking down what that means for real estate. We’ll dive into: - Why home sales typically slow during election years due to uncertainty 🤔 - How history shows a strong bounce back in sales the year after an election…
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🎙️ New Podcast Episode 🎙️ This week, we’re breaking down some of the confusion surrounding the real estate marketplace 🏡. Here's what we're covering: 🔍 Sellers Market vs. Buyers Market – What does it really mean? 📊 Frederick County Update – Currently only 1.5 months of resale inventory! 🤔 Why Buyers May Hesitate – We dive into the reasons behind bu…
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🎙️ New Podcast Episode! 🎙️ In this week's episode, we’re diving deep into the real costs of selling your home. 💰 From closing costs to staging and pre-listing inspections, we break down all the expenses you should expect so you can feel fully prepared when you decide to sell. Curious about how much you'll actually walk away with? Tune in for the fu…
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🎙️ New Podcast Alert! 🎙️ This week on the podcast, we’ll dive deep into "The Down Payment Assistance You Didn’t Know About"! 💰🏡 Did you know that nearly 80% of first-time homebuyers qualify for down payment assistance, but only a small percentage take advantage of it? I’ll share important tips on how you can maximize these resources to make your ho…
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This week on the podcast, we dive deep into the ultimate checklist for getting your house ready to sell! 🏡✨ Whether it's boosting curb appeal or making your home more inviting, this checklist has you covered. 📋 I’ll break down all the essentials you need to know to prepare your home for the market and attract serious buyers. 👀💰 Here’s a sneak peek …
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This week on the podcast, we’re breaking down everything you need to know about closing costs when buying a home! 💸🏡 Wondering what those extra fees include or how much to budget for? I’ll be explaining all the details from loan origination fees to homeowners insurance and more. Plus, I’ll share a few smart tips on how to reduce your closing costs!…
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🎙️ New Podcast Episode Alert! 🎙️ This week, I’ll be diving into the real story behind what’s happening with home prices! 🏡📉 If you’re wondering whether home prices are dropping, climbing, or just plateauing, tune in to hear how things are shifting. I’ll cover: - Why home prices are still growing, even if at a slower pace 📊 - How supply and demand i…
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🎙️ This Week's Podcast: How the Federal Reserve's Next Move Could Impact the Housing Market 🏡📊 In this episode, we're diving into a crucial topic: the Federal Reserve's upcoming decision and how it could influence mortgage rates and the housing market. With inflation cooling and the job market slowing, many experts are predicting that the Fed will …
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📢 This Week's Podcast: Unlocking 2025 Housing Market Forecasts 🏡 In this week's podcast, we're diving deep into what 2025 has in store for the housing market. 📈 Whether you're thinking about buying or selling next year, understanding the forecasts can help you make the best decision for your homeownership journey. We’ll discuss: 🔹 Mortgage Rates: E…
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📢 This Week’s Podcast: Preparing for Home Inspections 🏡🔍 In this week's podcast, we’ll dive into the essential tips from our graphic on how sellers can prepare for home inspections. Here’s a sneak peek: - What an Inspection Does: Understand how inspectors assess your home's condition. - What Home Inspectors Look For: Key areas like roof condition, …
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🔍 Real Estate Practice Changes Due to NAR Settlement Agreement 🏠📜 The real estate landscape is evolving! The recent NAR settlement agreement has introduced significant changes that impact how real estate transactions are conducted. Here’s a breakdown of what you need to know: 📝 Key Terms of the Agreement: 1. Release of Liability: NAR, over one mill…
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📉 Mortgage Rates Down a Full Percent from Recent High! 🏡✨ Exciting news for homebuyers and those looking to make a move! Mortgage rates have recently dropped a full percentage point from their recent highs, reaching levels we haven't seen since February. 📉🔽 📊 What Does This Mean for You? If you've been waiting for a better time to buy, now might be…
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🎙️ The Biggest Mistakes Sellers Are Making Right Now 🏡🚫 Thinking of selling your home? In today’s evolving market, it's crucial to avoid common pitfalls that can cost you time and money. Tune into this week's podcast to learn how to steer clear of these mistakes and make your home sale a success. Here’s a sneak peek: 1️⃣ Overpricing Your House 💸🏠 S…
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🎙️ Unlocking Homebuyer Opportunities in 2024 🏡🔑 Thinking about buying a home but feeling discouraged? Don’t let the past few years deter you! The housing market is shifting, and there are new opportunities emerging in the second half of 2024. Here’s why you might want to jump back in: 1️⃣ Increased Supply of Homes 📈🏠 The inventory of homes for sale…
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🚀 New Podcast Alert! 🎙️ 🎧 Why Fixing Up Your House Can Help It Sell Faster 🏡✨ If you’re thinking about selling your house, there are buyers ready to pay today’s high prices—but they want a home that’s move-in ready! 🛠️🏠 According to Redfin: “Buyers are still out there and they’re willing to pay today’s high prices, but only if the house is in reall…
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🏠🤔 What To Do When Your House Did Not Sell? Let's Discuss! 🤔🏠 If your listing expired and your house didn’t sell, you're not alone in feeling disappointed. It’s time to reflect and consider your next steps. Tune in to our latest podcast where we dive into the reasons why your house may not have sold and what you can do about it. 🎯 Was It Priced for…
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🏡🗳️ Do Elections Impact the Housing Market? Let's Discuss! 🗳️🏡 With the 2024 Presidential election approaching, you might wonder how it could affect your plans to buy or sell a home. Tune in to our latest podcast where we break down the historical data and explore what impact, if any, elections have on the housing market. 📉 Home Sales: Learn why th…
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🏡🎉 Are Open Houses Worth It? 🎉🏡 Thinking if you should ask your agent to host an open house? Wondering if it's worth the effort? Tune in to our latest podcast where we dive into whether open houses are still effective in today's market and share tips on how to make yours stand out! 👀 Are Open Houses Effective? Discover the Pros and Cons. 🏆 Tips for…
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🏠💰 Pricing Your House Right: Find the Perfect Balance! 💰🏠 The asking price for your house can make all the difference in your bottom line and how quickly it sells. Both under- and overpricing come with drawbacks. That's why it's crucial to find the right price for your home. 🔍 Lean on Your Agent: Your real estate professional is your greatest asset…
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🎙️ This Week's Podcast: Questions You May Have About Selling Your House 🏡❓ Are you contemplating selling your home but hesitant due to current mortgage rates? You're not alone! This week, we tackle the top questions homeowners like you are asking about selling in today's market: 1️⃣ Should I Wait To Sell? Waiting might seem wise, but remember, many…
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🎙️ This Week's Podcast: Thinking of Selling? You Want an Agent with These Skills 🏠✨ Selling your house is more than just a transaction; it's a life-changing decision filled with emotions. That's why having a skilled listing agent is crucial. This week, we explore the essential skills your real estate agent should possess to navigate the complex pro…
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🎙️This Week's Podcast: Local Market Trends and What's Motivating People to Move 🌟 This week, we're diving into local market trends in Frederick, Carroll, Washington, Adams, Franklin, Jefferson, and Berkeley counties. 📈 If you want the latest updates on prices, inventory, and buyer activity in these areas, you don't want to miss this episode! 🔍 What…
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This Week's Podcast Episode: "What Is Going on with Mortgage Rates?" You've probably heard that mortgage rates are expected to stay higher for a bit longer than anticipated. Curious about why? It's all in the latest economic data and decisions from the Federal Reserve. Let's dive into the factors influencing these changes! Economic Factors Influenc…
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🤔 Are you among the 1 in 4 people who think home prices will drop? It's easy to get swept up by the sensational headlines that dominate our feeds. 🚨📰 But here's the reality: most of these narratives are driven by the desire to attract clicks rather than provide a clear picture. 📊 According to recent data from Case-Shiller, despite a couple of small…
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🚀 **This Week's Podcast Episode: Housing Affordability** 🏡💰 📈 As we dive into the dynamics of the housing market, here's what's shaping home affordability this year: Home Prices & Wages. **1. Home Prices:** Although prices are projected to rise, they're doing so at a steadier pace than during the pandemic. This is actually good news for buyers, as …
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🌟 **This Week's Podcast Episode: "Why Overpricing Your House Can Cost You"** 🏠💸 Spring has sprung, and with it comes the prime season for selling homes! 🌸🔑 While it's an exhilarating time to plant that "For Sale" sign thanks to a seller's market, it's crucial to be savvy about your asking price. 📊 **Why Overpricing Is a Misstep:** - An inflated pri…
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🏡💡 Ready to Make Your Strongest Offer? Here's How! 💡🏡 Buying a home in today's competitive market can feel daunting, but with the right strategy, you can stand out and secure your dream home. Here are four tips to help you make your strongest offer: 1️⃣ Partner with a Real Estate Agent: Work with a local expert who can provide valuable insights and…
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🏠🔍 Unraveling the NAR Settlement 🔍🏠 The recent settlement agreement by the National Association of REALTORS® (NAR) regarding broker commissions has sparked a flurry of questions and concerns within the real estate industry. 🤔💼 But amidst the headlines and misinformation, it's crucial to get the facts straight. NAR is actively engaging with the medi…
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🏠📉 Dreaming of a New Home? Let's Talk Mortgage Rates! 📉🏠 If high mortgage rates have put your home buying plans on hold, you're not alone. But there's good news on the horizon! Tune in to our latest podcast, where we discuss how shifting mortgage rates could impact your move. 🎙️📈 Bright MLS data reveals that high mortgage rates have been the top re…
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🏡📊 Exciting News! FCAR Housing Stats Comparison: February 2023 vs. 2024 📊🏡 Wondering how the housing market has shifted from February 2023 to 2024? Here's a sneak peek at some key stats released by FCAR: 📉 Home sold: Down 23.4% ⏳ Median days on market: Down 60% 💰 Average sold price: Increased by 9.5% 🏠 Active listings: Increased by 2.3% Tune in to …
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🏡🌟 Expert Home Price Forecasts for 2024 Revised Up! 🌟🏡 Great news for homeowners and potential sellers! Experts have recently revised their 2024 home price forecasts, and they're even more confident that prices will rise, not fall. 📈💰 Check out the chart below to see the updated projections compared to their initial forecasts made at the end of 202…
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🏠💰 How do changing mortgage rates impact you? 💰🏠 If you're in the market to buy a home, understanding how even a small change in mortgage rates can affect your purchasing power is crucial. Tune in to our latest podcast episode where we break down specific examples of loan amounts and the difference in payments between rates of 6%, 6.5%, and 7%. Don…
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🏠📈 Houses Are Still Selling Fast! 🏠📈 Thinking of selling your house? Here's some good news! While the housing market isn't as frenzied as it was during the 'unicorn' years, homes are still selling faster than normal. 📊 The graph below shows median days on the market for every January from 2017 to the latest data available. Homes are selling faster …
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🏠📉 What's Really Happening with Mortgage Rates? 📈🏠 Feeling confused about mortgage rates lately? You're not alone! Rates can seem like they're constantly changing, but here's the scoop: 1️⃣ **Volatility**: Mortgage rates are influenced by numerous factors, causing them to fluctuate daily. Economic conditions, Federal Reserve decisions, and global e…
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🏠🌷 Don't Wait Until Spring to Sell Your House 🌷🏠 Thinking about making a move this year? Don't feel pressured to wait for spring. Here's why: 1️⃣ **Lower Mortgage Rates**: Mortgage rates are on the decline, making it an affordable time to move. Plus, more buyers are entering the market, boosting demand for your house. 2️⃣ **Beat the Competition**: …
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🏦 Fed Chief Addresses Inflation and Mortgage Rates 📉 The Federal Reserve's recent decision to maintain interest rates has been a hot topic. While there's no talk of rate cuts just yet, Fed Chair Jerome Powell emphasized that inflation remains "still too high." A March rate cut isn't likely but not entirely ruled out. What does this mean for mortgag…
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📉 Good news for sellers: Mortgage rates are on the decline! 🏡✨ If you've been waiting to sell your home due to concerns about high mortgage rates, now might be the perfect time to make your move. Rates have been steadily decreasing, making home ownership more affordable and attracting more buyers to the market. 📈🔑 Here are two key reasons why this …
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🏡 Just applied for a mortgage? Avoid these common mistakes! 🚫💰 Buying a home is an exciting journey, but before you close the deal, there are crucial steps to follow. In our latest podcast, we share valuable insights to help you navigate this critical phase of your home buying process. From managing your finances to discussing changes with your len…
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🏠 Ready to dive into the local real estate scene? Our latest podcast episode is packed with insights! 📈🏡 Join us as we break down the 2023 real estate statistics for Frederick County and take a close look at December's numbers. Whether you're a buyer or seller, these stats are crucial to understand. 📊💼 And of course, don't forget to check out our f…
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🏡 Confused about the housing market? You're not alone! Join us on our latest podcast as we tackle the top 3 questions on everyone's minds: 1. What's happening with mortgage rates? 📉📈 2. Where are home prices headed? 🏠💰 3. Is a recession around the corner? 📉📈 Get expert insights and data-backed answers to these pressing questions. Don't miss out on …
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🏡 Curious about real estate trends in Frederick County, MD, and Washington County, MD? 📈 Join us on our latest podcast as we dive deep into the numbers from January through November 2023. We'll compare this data to the same period in 2022, covering homes sold, home values, days on market, and average sale vs. listing prices. 📊📅 Knowledge is power i…
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🏡 Ready to make the big decision of whether to rent or buy a home? 🤔 Here's a game-changer: The average homeowner’s net worth is almost 40X greater than a renter’s! 📈💰 The Federal Reserve Board's Survey of Consumer Finances reveals this significant gap, and it's all thanks to soaring home equity. Home prices have been on a historic climb, and buyin…
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