BUYING HERE
First-time buyers
What lenders look at, how much cash it really takes to get to the table, and the questions worth asking before you fall in love with a house.

STOCKTON & SAN JOAQUIN COUNTY
Real Estate Jerky is a Central Valley show, and San Joaquin County is part of the conversation every week. Ed Parcaut and Mike Kelly take the housing and mortgage headlines and talk about what they actually mean for people buying, selling, borrowing, and staying put around Stockton, Lodi, Manteca and Tracy. No jargon, no hype, and no pretending a national number tells your street’s story.
Saturday noon · KFIV 1360 AM
Replay Sunday 3 PM · All times Pacific
WHO YOU’RE HEARING FROM
Ed works in mortgage and lending. Mike works in local real estate. Between them you get both halves of the same decision: what a home is worth here, and what it costs to finance it. When something changes, they say so on the air instead of waiting for a headline to explain it.
Ed Parcaut · edparcaut.com · Mike Kelly · mikekellyrealtor.comTHE NUMBERS RIGHT NOW
Where Stockton and San Joaquin County stand as of September 2026. Ed and Mike talk through what figures like these mean for a real buyer, seller, or owner on the air each week.
Listing figures, not closed sales. They describe what is on the market, not what every home sold for. Figures pulled September 2026 from Realtor.com market data for Stockton. Markets move, so treat these as a starting point and ask us about your own street.
BUYING HERE
What lenders look at, how much cash it really takes to get to the table, and the questions worth asking before you fall in love with a house.
SELLING HERE
How local homes get priced, what shows up in an appraisal, and why the same house can sit on one street and sell fast on the next.
STAYING PUT
Refinancing, taxes and insurance, seasonal upkeep, and the Home Improvement Tip we share with listeners each week.
BRING US YOUR QUESTION
Send the question you would ask a lender or an agent if the clock were not running. Ed and Mike answer listener questions on the show, and you can stay anonymous if you would rather.
Email the show