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Come check out Episode 49 of the Inside Real Estate Podcast featuring DJ Sutera, a mortgage loan officer based in West Chester, Pennsylvania, known for his discipline, transparency, and hands-on approach with both clients and Realtors. In this episode, DJ breaks down how buyers actually think about interest rates, how close most people really are to homeownership, and why some Realtor habits unintentionally make transactions harder than they need to be. We talk about lender-agent partnerships, what questions Realtors should be asking before choosing a lender, and why the lowest rate isn’t always the best option. DJ also shares his biggest success stories, what’s driven his recent growth, how he follows up with leads, and his outlook on the 2026 market. Whether you’re a Realtor looking to strengthen your lending relationships, a buyer trying to understand affordability, or someone preparing for their next move — this episode is packed with clarity, honesty, and real-world insight. 🎙 LET’S CONNECT Subscribe for more episodes featuring the people behind real estate — agents, lenders, investors, and the professionals helping clients win in today’s market. 📱 Follow Virtual Vista: Instagram: / virtualvistaphoto Facebook: / virtualvistamarketing TikTok: https://www.tiktok.com/@vvrealestatem... LinkedIn: https://www.linkedin.com/company/virt... X: https://x.com/VirtualVista 📱 Follow DJ: Instagram: / djsutera Facebook: / djsutera TikTok: / djmortgage LinkedIn: / dylan-dj-sutera-82458563 YouTube: / @djmortgage 📌 CHAPTERS 00:00 Welcome to Episode 49 00:13 Meet DJ Sutera — Mortgage Pro & Partner to Realtors 01:18 How DJ Got Into Mortgage Lending 02:49 DJ’s Niche and Lending Specialty 05:03 The Biggest Mistake Realtors Make with Lending 08:23 How Agents Accidentally Make Deals Harder 09:38 How Buyers Really Think About Interest Rates 10:33 How Fed Rate Changes Actually Impact Mortgages 13:14 How Close Most Buyers Are to Homeownership 14:23 DJ’s Biggest Success Stories 17:09 What a Great Realtor–Lender Partnership Looks Like 17:59 Conversations Realtors Should Be Having with Lenders 21:21 Why the Lowest Rate Isn’t Always the Best Choice 27:58 How Experience Changes a Lender’s Perspective 30:25 What’s Driven DJ’s Recent Growth 31:55 Following Up with Leads the Right Way 33:23 DJ’s Focus Area for Improvement in 2026 36:34 DJ’s 2026 Market Prediction 39:07 The First-Time Buyer Process with DJ 46:57 What Truly Motivates DJ 48:35 Discipline as a Competitive Advantage 52:32 Advice for New Year’s Gym Resolutioners 💪 53:26 Mustache De-Icers?! 53:40 DJ’s Social Media Strategy 56:15 Questions Realtors Should Ask Before Choosing a Lender 01:01:51 Helping Agents Grow Their Business 01:05:02 DJ’s Positive Message