Pablo Galarza, Broker Owner of Century 21 New Beginnings; alongside his team of agents, have over 30 years of experience in the real estate industry. Needless to say, they've weathered through many unprecedented changes in Chicagoland's housing market. The life of real estate agents and loan officers isn't just filled with foreign vehicles and luxury homes. Unfortunately, we aren't all blessed to live the "Selling Sunset" lifestyle. That's why we're here today, to give you some insight on what we deal with in this cut-throat business and what keeps us motivated.
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34 recent
October 14, 2026Episode 2316 min
Reverse Mortgages —The Financial Tool Seniors May Be Overlooking
🏡 Could your home help fund your retirement? On this episode of The Relentless Edge , Broker-Owner Pablo Galarza sits down with Loan Officer Dan Rogers to break down reverse mortgages and how they may provide financial relief for seniors navigating today’s rising costs. We’re not reinventing the wheel—we’re talking about understanding the tools that already exist and when they may make sense. 🎙️ Listen to the latest episode of The Relentless Edge!
October 13, 2026Episode 2111 min
2-1 Buydowns: A Smart Strategy for Today’s Higher Rates? | The Relentless Edge
Mortgage rates have changed the game for today’s buyers—but that doesn’t mean you have to sit on the sidelines. On this episode of The Relentless Edge: A Realtor Podcast , Broker/Owner Pablo Galarza of Century 21 New Beginnings sits down with Loan Officer Dan Rogers , a mortgage professional with 20+ years of experience , to break down 2-1 buydowns and how they may help buyers navigate today’s higher-rate environment. With decades of experience watching the market move through different cycles, Dan shares his perspective on what strategies have worked, what hasn’t, and what buyers should consider before making a decision. 🏠 If you’re thinking about buying, don’t just focus on today’s rate— understand your options. 🎧 Listen now and get the insight you need to make a more informed move.
June 25, 202617 min
Before You Apply for a Mortgage, Watch This
In this episode of The Relentless Edge: A Realtor Podcast, Broker Anthony Lopez sits down with Loan Officer Jose Treto of Guaranteed Financial to discuss the latest buyer trends they're seeing firsthand, financing programs available to help clients achieve homeownership, and some of the surprising factors that can impact mortgage affordability. From child support obligations to Buy Now, Pay Later services like Klarna, they break down how lenders evaluate debt, income, and purchasing power in today's market. Whether you're thinking about buying your first home or planning your next move, this episode offers valuable insights to help you prepare before applying for a mortgage.
May 19, 2026Episode 2013 min
Betting on Himself: Muntaser Keswani’s Real Estate Breakthrough
What happens when you stop treating real estate like a side hustle and start going all in? 💥On this episode of The Relentless Edge, Pablo Galarza sits down with agent Muntaser Keswani to talk about his transition from working a full-time job to building his real estate career full time.From consistency and accountability to training and surrounding yourself with the right people, Muntaser shares how dedicating more time to his business is already paying off.A great conversation for any agent looking to level up and take that next step. 🚀
April 23, 2026Episode 1911 min
From Serving Tables to Closing Deals: Patricia Perez’s First 6 Months in Real Estate
What does it really take to switch careers, build a real estate business, and still show up as a full-time mom?On this episode of The Relentless Edge: A Realtor Podcast, host Pablo Galarza sits down with rising agent Patricia Perez, who made the bold move from the fast-paced hospitality industry into real estate just 6 months ago.From long shifts in the restaurant world to helping clients and working alongside her husband as an investor-friendly agent, Patricia opens up about the real challenges behind the transition, self-doubt, time management, and learning a whole new industry from the ground up.But she also shares the rewards: growth, flexibility, and the power of being surrounded by a brokerage that truly supports you every step of the way.If you’re thinking about getting into real estate or you’re early in your journey, this episode is proof that it’s possible to build something meaningful, no matter where you start.💬 Real stories. Real challenges. Real growth.
February 10, 2026Episode 1817 min
A Family-Driven Approach to Recruiting, Training & Growth
In this episode of The Relentless Edge: A Realtor Podcast , host and broker-owner Pablo Galarza of Century 21 New Beginnings sits down with managing broker—and daughter— Vivian Galarza for an inside look at their refreshed approach to recruiting and agent development. They break down what truly sets their family-owned brokerage apart: a culture built on accountability, hands-on training, and long-term growth. From helping new agents establish a strong foundation to guiding seasoned professionals on how to scale intentionally, this conversation delivers real insight, practical strategies, and a transparent look at what it takes to build a sustainable real estate business—without shortcuts.
December 4, 2025Episode 1819 min
Reinventing Homeownership with Homeworke
In this episode of The Relentless Edge, Host & Broker/Owner Pablo Galarza sits down with Mark Santoyo, Co-Founder of Homeworke Inc., to break down how this innovative platform is transforming the way homeowners manage projects. From streamlining home tasks to empowering realtors and offering value to sellers, Homeworke is becoming the ultimate one-stop shop for everything home-related. Tune in to learn how this tool is reshaping the homeowner experience and why it’s set to change the game!
November 20, 2025Episode 1819 min
Unlocking DSCR Loans: Fueling Your Investment Portfolio
On this episode of The Relentless Edge – A Realtor Podcast , Host & Broker Owner Pablo Galarza of C21 New Beginnings sits down with Maggie Martinez of Rate Mortgage to break down the power of DSCR loans for investors ready to scale. They dive into the benefits, the process, and what it really takes to step into the flipping world. If you’re looking to grow your real estate portfolio, this one's for you! Maggie Martinez Loan Originator Rate MortgageMaggie.Martinez@rate.com (708) 572-0657
November 11, 2025Episode 1719 min
United Through Knowledge: Facing ICE Raids with Strength and Solidarity
In this powerful episode of The Relentless Edge: A Realtor Podcast, host and broker-owner Pablo Galarza of C21 New Beginnings sits down with immigration attorney Salvador Cicero to discuss the alarming ICE raids taking place across Chicagoland. From knowing your rights to understanding the injustices behind these actions, this conversation empowers every listener — citizen or not — to stand informed and united.Together, we choose knowledge over fear — and unity over division.
November 11, 2025Episode 1613 min
Immigration, Fear & Homeownership
On this episode of The Relentless Edge: A Realtor Podcast, Host & Broker/Owner Pablo Galarza of Century 21 New Beginnings sits down with Saul Pinela, one of Illinois’ top IHDA loan originators with Neighborhood Loans, to unpack how recent immigration reform raids have sparked fear across Chicago—especially for those with work permits hoping to buy a home. 🏡They break down what this means for buyers, what lenders are looking for, and the steps you can take today to still qualify and move forward with confidence.👉 Tune in to learn how knowledge and preparation can turn fear into opportunity!
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