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Most agents don’t fail because they lack talent.
They fail because talent without structure, accountability, and coaching eventually collapses.

In this episode of Real Estate AF, host Mark Jones sits down with Art Fernandez, a 29-year real estate veteran and founder of Bear Coaching, to break down why coaching is the real separator between agents who survive market shifts and those who burn out when things get hard.

This is not a motivational fluff episode.

This conversation dives into:
• Why uncoached talent fails
• The difference between being interested and committed
• How ego blocks growth and kills scalability
• Why routines, systems, and habits matter more than goals
• The real difference between training vs coaching
• Why “busy” doesn’t mean productive
• How abundance mindset beats scarcity every time
• The biggest lies new agents believe about real estate
• Why flexibility without discipline leads to failure
• How accountability accelerates results
• Why most agents avoid uncomfortable conversations — and pay the price
• How to build a repeatable, duplicatable business instead of winging it

Art explains why coaching isn’t about motivation — it’s about execution, accountability, and truth. He shares how top producers operate, why systems matter more than talent, and how success is often just boring fundamentals done consistently for a long time.

If you’re a real estate agent, loan officer, business owner, or entrepreneur who:
• Feels stuck
• Feels burned out
• Knows you’re capable of more
• Wants structure instead of chaos

This episode will challenge you — in the best way possible.

Because hope is not a strategy.
Coaching is.

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Most agents don’t fail from lack of talent — they fail from lack of coaching.

In this episode of Real Estate AF, I sit down with Art Fernandez to break down why uncoached talent collapses, how ego blocks growth, and why systems + accountability beat motivation every time.

If you’re serious about results, this one hits hard.

⏱️ YouTube Chapter Timestamps (Learning Moments)

0:00 – Why Coaching Is the Real Differentiator
1:12 – Interested vs Committed
3:04 – Art Fernandez Background & Coaching Journey
7:04 – Ego, Coachability & Growth
14:26 – Scarcity vs Abundance Mindset
19:25 – Routines, Habits & Systems
24:14 – Why Uncoached Talent Fails
30:08 – How Coaches Identify Coachable People
34:20 – What Coaching Actually Looks Like

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Key Factors Podcast is Powered by LoanBot.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

Send us a text

A half point can change behavior, but real affordability is still a math problem. We dig into the noise and the numbers around two big headlines: a $200B directive for Fannie Mae and Freddie Mac to buy mortgage‑backed securities, and a move to limit large institutional buyers from competing for single‑family homes. With mortgage pro John Hudson and investor‑broker Colin Corrington, we unpack what might actually move payments, supply, and buyer psychology—and what’s just selling sizzle.

We break down how added MBS demand can nudge rates lower and why that effect is likely modest and delayed. Then we zoom out to the cost stack that really strains buyers: rising property taxes, spiking homeowners insurance, and consumer debts that outweigh latte math. You’ll hear practical strategies that beat chasing price cuts—maximizing seller concessions to buy your rate down, using closing credits to reduce cash‑to‑close, and tapping down payment assistance programs many lenders never promote. We also challenge the “Wall Street bought all the homes” myth with data showing mom‑and‑pop owners dominate single‑family rentals, and we explore where a targeted curb could help or harm, especially in concentrated metros.

If you’re a first‑time buyer, a seller weighing incentives, or an agent advising clients, this conversation is a playbook: structure smarter deals, set sane expectations, and focus on the only number that matters—your monthly payment. Forget timing the market. Marry the house, date the rate, and engineer a plan that works today with room to refinance tomorrow.

Enjoyed the conversation? Subscribe, share with a friend, and leave a quick review to help more people find the show. Tell us: what’s your biggest hurdle to buying right now?

Support the show

Key Factors Podcast is Powered by LoanBot.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

Send us a text

Support the show

Key Factors Podcast is Powered by LoanBot.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.