In this episode of Hot Topics, we break down the ways homeowners can tap into their home equity through HELOCs, refinancing, and cash-out options. With shifting interest rates and changing market conditions, understanding how these tools work is more important than ever. Our panel walks through the pros and cons of each approach, when they make sense, and how REALTORS® can help clients navigate equity decisions with confidence. Whether the goal is renovation, debt consolidation, or long-term planning, this episode delivers practical guidance to support smarter conversations and informed choices.

🔥 Fiery Panelists 🔥

Grant Lee | CMG Home Loans | https://www.cmghomeloans.com/mysite/grant-lee

Scott Pendleton | EMM Loans | https://emmloans.com/pendleton-loan-team-lutz/

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In this episode of Hot Topics, we dive into the real, unfiltered side of entrepreneurship. From early setbacks to hard-earned wins, our panel of business leaders shares what it truly takes to start, grow, and sustain a successful company. We explore lessons learned on the front lines, navigating risk, managing growth, building resilient teams, and adapting in an ever-changing business landscape. Whether you are launching a new venture or refining an established one, this conversation offers practical insights and honest perspectives from those who have lived it.

🔥 Fiery Panelists 🔥

Sean and Manny Febre | Febre Frameworks | https://febreframeworks.com/

Katie Hasson | Southwestern Consulting | https://southwesternconsulting.com/coaches/katie-hasson/

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Bridging the Bay connects the people, ideas, and conversations shaping the future of real estate and community across Tampa Bay. Each episode dives into timely topics from property taxes and housing policy to innovation, leadership, and local impact, bridging the gap between real estate, government, and the neighborhoods we call home.

In this episode, we sit down with Margaret Jones, Director of Assisted Housing at the Tampa Housing Authority, for an insightful conversation about how THA is expanding housing access and strengthening stability for families across Tampa Bay. Margaret offers a clear look at the work her department leads, the programs they manage, and the impact these efforts have on residents navigating today’s challenging housing landscape.

We explore how THA’s mission continues to evolve, the common misconceptions surrounding assisted housing, and what Margaret wishes more REALTORS®, landlords, and community partners understood. She shares how collaboration across the real estate community can open doors for families who need it most and why strong partnerships remain essential in addressing housing affordability.

Our conversation also touches on ongoing innovations within THA, how they’re working to improve experiences for both residents and housing providers, and the practical ways real estate professionals can engage with THA to support broader housing solutions.

From bridging knowledge gaps to building partnerships that move the region forward, this episode highlights the power of working together to create more accessible housing opportunities.

Recorded live from the Febre Frameworks Studio, where creativity meets community, tune in and see how we’re bridging the bay, one conversation at a time.

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