Quick cash, no interest, no monthly payments—sounds like a sweet deal, right? Wrong. In this episode of Real Estate REPlay, Wendy Gilch teams up with her no-nonsense lender BFF, Chelle Prunkel, to call BS on the slick marketing behind Home Equity Agreements (HEAs). These so-called “loan alternatives” might sound like a dream, but spoiler alert: they’re a nightmare waiting to happen.

From shady equity grabs to terms that can double your payout, Wendy and Chelle rip the curtain off these equity-stealing scams and explain why they’re basically the payday loans of homeownership. Want to keep your house and your sanity? They’ll show you smarter ways to unlock your home’s value without losing your shirt—or your generational wealth.

Plus, we’ll throw shade at predatory ads, highlight how HEAs sidestep key consumer protections, and give you the lowdown on why a nosy loan officer is the hero you didn’t know you needed.

Tune in now for the real talk (and maybe a few F-bombs) you need to protect your biggest investment—your home.

🎧 Links & Resources Mentioned:

• Rate My Mortgage Rate: Get Help With Your Loan Estimate
• Washington State Report on HEAs
• Selling Later's HEA Breakdown
• Contact Chelle Prunkel
• CFPB New Report on HEAs
  • Even though they never respond to anything we send them, we wanted to include this new report from the Consumer Financial Protection Bureau as it confirms just how concerned we should all be about these types of agreements.

Got a question?

State laws and regulations may vary.

Have a story you would like to share with other sellers or buyers?
Hit us up here.

What was supposed to be a week off took an unexpected turn after a Reddit post about a buyer asking their real estate agent some simple, reasonable questions left me frustrated—and fired up. Why? Because some agents don’t like being held accountable or challenged by informed buyers. Spoiler alert: That’s their problem, not yours!

In this episode, we’re diving into why it’s essential for homebuyers to ask the right questions before choosing a real estate agent. Not all agents are created equal, and interviewing them is the first step to protecting yourself and your biggest investment.

Here’s what we’ll cover:

• The key questions every homebuyer should ask a potential agent before signing on.
• Why these questions matter and how they empower you to make better decisions.
• The red-flag answers that should have you running for the door.
• How you can access a free resource from Selling Later with these questions (and more!) to help guide you through the process, whether you’re buying or selling.

We believe every buyer and seller deserves the tools to protect themselves and their equity. That’s why Selling Later offers free resources, including this complete list of questions, to make sure you’re prepared to navigate the real estate process with confidence.

Don’t let anyone make you feel bad for doing your due diligence. Tune in and learn how to take control of your homebuying journey!

Got a question?

State laws and regulations may vary.

Have a story you would like to share with other sellers or buyers?
Hit us up here.

In this episode of Real Estate REPlay, we unravel the chaos surrounding the latest commission settlement with special guest Summer Goralik, a real estate compliance consultant and former California Department of Real Estate investigator. Summer has spent years helping agents and brokers navigate complex rules, and she’s here to shed light on why no one seems to know exactly what they should be doing post-settlement.

We’ll break it down into two parts:

• Part 1: For agents and brokers, we’ll discuss why the new rules have sparked so much confusion, the risks of getting it wrong, and what steps they can take to stay compliant.
• Part 2: For buyers and sellers, we’ll explore how the uncertainty might affect their transactions, what they should watch out for, and how they can protect themselves. This section starts around the 28:00 mark.

If you’ve ever wondered why the real estate industry feels like it’s stuck in a game of “he said, she said,” this episode will help you make sense of the noise. With Summer’s expertise, we’ll untangle the confusion and uncover what this all means for the future of real estate. Don’t miss this insightful and practical conversation!

Contact Summer Goralik
Contact Wendy Gilch

Got a question?

State laws and regulations may vary.

Have a story you would like to share with other sellers or buyers?
Hit us up here.