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In this episode of The Loveland Report & Loan Arranger Show, Cleve Loveland and Bruce Woodburn break down some of the most important real estate and mortgage questions buyers and sellers need answered heading into 2026. From how long a listing or buyer agreement should really be, to what’s happening with interest rates, to how everyday families can build millions in real estate the smart, slow, and safe way, this episode is packed with real-world advice you won’t hear from part-time agents or call-center lenders. Cleve and Bruce also explain why choosing the right real estate agent and direct lender matters more than chasing a slightly lower rate—and how poor pre-approvals and locked-in contracts can cost you time, money, and opportunities. If you’re buying, selling, refinancing, or building a long-term real estate plan, this is a must-watch. 🏡 In this episode, you’ll learn: ▪️ How long listing contracts and buyer broker agreements should be ▪️ Why one-year contracts can hurt sellers and buyers ▪️ What’s really happening with mortgage rates heading into 2026 ▪️ Why FHA, VA, and conventional rates behave differently ▪️ How credit scores impact everything from mortgages to insurance ▪️ Why direct lenders outperform mortgage brokers in tight deals ▪️ The biggest mistakes buyers make with pre-approvals ▪️ How the “get rich slow” real estate strategy actually works ▪️ Why starting with just one home can lead to millions in long-term wealth 📞 Call Bruce Woodburn – The Loan Arranger: 407-250-9144 🌐 https://WeBringYouHome.com 📞 Call Cleve Loveland: 407-352-8118 🌐 https://CleveLoveland.com 👉 Subscribe for weekly mortgage, real estate, and wealth-building strategies focused on Central Florida and beyond. Bruce Woodburn, The Loan Arranger | NMLS228431 | NMLS1591876 | NMLS3029 Chapters: 00:00 Introduction to The Loan Arranger Radio Show 00:25 Guest Introduction: Tom McNamara from EXP Realty 00:52 Discussion on Property Tax Elimination 01:21 Details on HJR 201 and HJR 787 Bills 03:16 Impact of Proposed Tax Changes 05:22 Concerns and Potential Issues with Tax Proposals 10:28 Legislative Process and Timeline 12:29 Conclusion and Contact Information real estate 2026, listing contract length, buyer broker agreement, central florida real estate, mortgage rates 2026, fha vs conventional loans, va loans florida, direct lender vs mortgage broker, real estate investing strategy, how to become a millionaire with real estate, leapfrog real estate strategy, credit score mortgage rates, housing market 2026, real estate advice florida, crosscountry mortgage, loan arranger, cleve loveland, florida home buying, real estate wealth building, mortgage education #RealEstate2026 #ListingContracts #BuyerBrokerAgreement #FloridaRealEstate #MortgageRates #LoanArranger #LovelandReport #RealEstateInvesting #WealthBuilding #DirectLender #HomeBuyingTips #MortgageEducation