Can Artificial Intelligence Revolutionize Housing Without Killing The Human Touch?

What if the real estate edge isn’t more screens—but fewer? We sit down with a split panel—two cautious advocates and two skeptics—to unpack how AI is already transforming real estate and mortgage lending, where it speeds up the boring parts and where it threatens the human moments that matter most. The conversation is candid and specific: lead gen bots that qualify after hours, instant content and listing copy, virtual staging, floor plans, predictive analytics, and automated valuations that demand a pro’s eye for local nuance.

On the mortgage side, we get into the guts of the process: AI flagging deposits in bank statements, prepping condition lists, scanning tax returns, and compressing timelines from application to underwriting. We name the roles at highest risk—transaction coordinators, processors, junior underwriters, call center intake—and the ones that gain leverage: senior underwriters, top agents, and loan officers who can explain tradeoffs, manage fear two days before closing, and negotiate under pressure. The takeaway is sharp: AI won’t replace great professionals; it will expose average ones.

We also push into the uncomfortable truths. Some clients want kiosk-like speed; others crave voice and eye contact. Winning teams will offer both: a screenless, low-friction path for routine steps, paired with human judgment when the stakes spike. Then we zoom out. Data centers gulp energy; our grid isn’t ready. Ethics get messy: deepfake avatars, surveillance creep, and AI-written schoolwork. Detection is improving, but responsibility and skill still matter. The practical advice lands here: adopt AI to automate research and follow-up, protect time for client conversations, and sharpen the defensible skills—local expertise, empathy, and negotiation—that set you apart.

If your role is exposed, become the person who masters the tools and teaches the team. Keep the mirror test: did you get better today? Subscribe, share with a colleague who needs a nudge, and leave a review with the one task you’ll automate this week.

Topics Discussed in this Episode

• mirror test mindset for daily improvement
• rebrand to Real Estate AF and panel setup
• AI empowerment vs tech enablement
• short-term gains and long-term job reshaping
• responsible use vs lazy dependence
• practical tools for content, CMAs and coaching
• lending workflows: docs, flags, guidelines, QC
• roles at high automation risk across both sectors
• why empathy, negotiation and calm still win
• consumer modes: low friction paths and human help
• energy footprint and grid constraints
• ethics: deepfakes, detection, and education shifts
• adapt or be replaced, build defensible skills

Start playing around with AI, use it to make your business more efficient, but use caution

Chapters

• 0:00 Mirror Test And Daily Improvement
• 0:42 Rebrand And Panel Introductions
• 2:10 Framing The AI Debate
• 3:31 Will AI Revolutionize Or Ruin Housing?
• 5:01 Job Displacement Fears And Efficiency Gains
• 8:21 Responsible Use: Tools Versus Crutches
• 10:24 Practical AI: Content, Guidelines, And Coaching
• 14:20 Tools Roll Call: ChatGPT, Grok, HeyGen, Opus
• 18:06 Valuations, CMAs, And Predictive Analytics
• 22:24 Who’s At Risk: Roles Most Likely To Change
• 26:16 Human Element: Empathy, Trust, And Calm
• 30:20 Autonomy, Accuracy, And Consumer Preferences
• 34:24 Government, Permits, And Automation Bottlenecks
• 37:26 Best- And Worst-Case AI Scenarios
• 41:10 Energy Limits And Data Center Reality
• 43:24 Ethics, Education, And AI Detection
• 47:10 Adoption Mindset: Adapt Or Be Replaced
• 50:24 Closing Reflections And Daily Improvement

Transcript

SPEAKER_00: 0:02

At the end of every day, look at yourself in the mirror and ask, Did I get better today? Monday, get better. Tuesday, get better. Wednesday, get better. If you do that for five years, ten years, fifteen years, how much better will you be? Are you getting better every single day? That's the real question. And it all comes down to taking small steps. You don't have to accomplish everything in one day or even one week. Just focus on getting a little better every single day.

Mark Jones: 0:42

And welcome back to another episode of Key Factors Podcast Real Estate AF, where the AF stands for and finance. And I'm your host, Mark Jones, and we are powered by Lone Bot. And an announcement as we roll into 2026, I'm going to be dropping the key factors from the name and just going with the Real Estate AF podcast. So you'll see some branding changing. It is the same great conversations, just a different uh name. But before we get into our conversation today, I want to kind of frame it a little bit. So let's throw something up on the screen real quick, JC. Matter of fact, before we do that, let's introduce the guests, then we'll play that. Yeah. So first, to my right, I've got real estate agent that's pretty badass. And we share something in common, but we are not related. Brianna Jones, how are you?

SPEAKER_07: 1:35

Good, how are you?

Mark Jones: 1:36

Doing very well. And then we've got Tommy Fryer back with another great take on all of this stuff. And yes, we are wearing tinfoil hats, but we'll get to that in a moment. Tommy, how are you doing? We're good, brother. How are you? Doing very well. And then last but not least, we've got Matt Mazako. What's going on?

SPEAKER_05: 1:53

Same old, same old. Good to see you again. Likewise. It's been a while.

Mark Jones: 1:56

Yes, it's it's like looking in a mirror.

SPEAKER_05: 1:58

A couple of days. I know.

Mark Jones: 1:59

That's awesome. So, guys, before we kick this off, I just wanted to short play a short click to kind of frame our discussion today. So, JC, if you want to get market share.

SPEAKER_04: 2:11

As a real estate agent, whether I'm in New York City or running the brokerage, and we're in eight states at the moment, we want to own as much market share as possible. Anywhere someone says, I want to sell a home, we want them to think us. So, so how do you do that? And I looked at the last 20 years of success. All of the companies that created market share over the last 20 years, and they did that through good tech enablement, whether it was figuring out how to use the internet to create better listing ads or source greater buyer leads, both domestically and internationally, or create a better system for agents to try to be better. But what AI enables us to do is say, I don't think market share for the next 20 years is about tech enablement now. I think it's about AI empowerment. I think there is a mindset shift. And my competitors right now are in offices in the city right now masking chatbots and creating more screens and more buttons. Because that's what the answer usually is. You want fewer screens. Yeah, I want to be screen less.

Mark Jones: 3:13

If you didn't know by now, we're gonna be talking about AI. We're gonna be talking about AI in real estate, in mortgage, in our lives, how it's going to affect our lives, good, bad, or indifferent. But we've got two folks on the panel today that are in opposition, and we've got two, including myself, that are advocates. And I will say advocates with caution. That is what I mean. So to kick this off, guys, let's let's start with something a super simple softball type question. So we know that AI is growing very, very fast, very rapidly. Would you all think that AI is going to revolutionize or ruin our industry? Pretty broad question, so that we can kind of get a basis for where your views are. Matt, you want to kick it off?

SPEAKER_05: 4:10

I think that in the short term it's gonna revolutionize it. In the long term, I don't I don't want to take the position that I think it's gonna ruin it, but it's going to vastly change it. It's gonna take a lot of players out of the game. I think in a lot of ways that will simplify things and make it easier for the critical components to operate at a higher facility.

SPEAKER_04: 4:31

Okay.

SPEAKER_05: 4:32

And but again, I think about all the people that are gonna lose their jobs, all the processors, all the underwriters, all the assistants, all the admins, all the people that do things that are very easily automated. You know, you can pretty much automate anything that's linked to a computer as far as data sourcing, data verification. I mean, I even look at like what we do, like as far as like you know, reviewing bank statements, for example. I can tell my AI to go in and look for any deposits that I need to be flagging. So I can just give it the parameters and say, hey, do my job for me real quick. I can take the tax returns and I still double check that just because I don't trust it. But a lot of what I do can be simplified down into a computer doing it for me. All I have to do is click a couple of buttons, get consent from the consumer to allow us to have direct access to their bank, to their driving or not driving records, but like driver's license, social security, all the documents that we need to gather.

SPEAKER_06: 5:24

Yeah.

SPEAKER_05: 5:25

Eventually it would be very easy to combine all of those into one centralized place and then just say, hey, if you want to apply for a mortgage, click this button right here. We're gonna go and we're gonna peek into you all of your private information. We'll render a decision real quick and a loan officer will contact you.

SPEAKER_03: 5:39

Yeah.

SPEAKER_05: 5:39

To me, that sounds freaking awesome. Like I'm on board with that. And I don't think that we'll ever be replaced simply because of the human dynamic that's necessary in our conversations and facilitating getting it to the end. But I do think, like, man, all those families that have been processing for the last, you know, 20 years, like, what's that processor gonna do now? Where is she gonna go because or he? Where are they gonna go? Because their skill set is doing that specific job. And if we can eliminate it in our side of the game, it's gonna be everywhere. It's it's not gonna just be limited to us. And so one of my concerns that I have in that is what happens when that happens overnight. Because it does appear like it's something that could probably happen overnight once there was enough beta testing done, once there was enough, you know, okay, we've got this thing working now immediately overnight. Large corporations will be scaling down and downsizing in a way that I think would have catastrophic effects for our economy simply because a lot of unemployed people overnight means bigger problems than just do we have a mortgage gig still? Yeah, you know, and I can respect where's our home buyers gonna be when you know 60% of the population loses their job.

Mark Jones: 6:52

Yeah, I I can definitely respect that opinion and that take. And that is a good foundation for where I think your stance is on this. Who wants to go next? Yeah, I'll go. Tommy, go for it.

SPEAKER_03: 7:02

Yeah, so like my my position is always responsible like usage of AI. So I'm kind of in my infancy stage personally on using AI just for really more processes, some efficiencies to our to our job on the builder side. Yeah, you know, assisting in social media content, coming up with scripts for social media, right? You know, but again, I think with responsible usage, it revolutionizes our industry from all three of our viewpoints general real estate, lending, building. I think it's a phenomenal tool. I believe a lot in it, but you still have to be a subject matter expert in your field so that you can prompt correctly. You don't want to, you know, don't be a knucklehead who on face value on social you look like a genius, but you're at a dinner party and you can't carry a conversation in your field. Don't be that person. Yeah. But I believe if there is more negligent usage on it, it could, it could actually do some pretty irreversible harm.

Mark Jones: 7:59

No, that's that's yeah, good take on it. Bree, what do you think? Honestly, good, bad, indifferent, taking over the world.

SPEAKER_07: 8:08

So I come from the real estate like agent side where and I come from a generation where let's face it, they're lazy. They're gonna use this as a crutch to be lazy. And I genuinely think it's gonna ruin agents. I mean, it's just gonna continue to teach them to be lazier, not be out in front of people, not talk to people, not get to know people, because you cannot do this job without getting to know people. I mean, that that's the beauty of this job is that's a sales job, but you have to get to know your client, or you're just to me, you're not gonna be your best self and help them the best way you can. So I understand AI from a point of, like he mentioned, social media posts, things like that, because I know that's somewhere I struggle just because I like to be out in front. I'm I'm very old school. I don't like social media and anything like that, but I know that's the face of this business. So little things like that I can understand, but what the rest of it does to automate things, I just think it breeds laziness. Point blank, period.

Mark Jones: 9:12

I can actually totally see where that would come from. I can see how that can get carried away, especially if and and and I don't know, I think what you're talking about is I'm gonna compare it to a loan officer when they first start getting their repetitious higher volume than they're used to. The first thing that they go is I need an assistant, right? Right? That's the first thing.

SPEAKER_03: 9:42

Yeah, to scale, right? Right. That's traditional thinking.

Mark Jones: 9:44

So then I have seen two sides of that scenario, many times two sides, which is I now have an assistant, but I'm still doing the same amount of volume, and I have an assistant and I'm now doing double the volume, right? So one of those decided to use it as a crutch, the other decided to use it as a level up to propel themselves.

SPEAKER_01: 10:08

Sure.

Mark Jones: 10:09

Correct, correct, right? So I can totally see that. And and in addition, furthermore, to kind of go on your side on that, if if it's even a side thing, you typically have the 80-20 rule, the 90-10 rule, or the top 1% rule type concept to where one percent is going to use this the right way, or 20% is going to use this the right way. The others that if a they even use it will maybe use it to hinder what actually helps them grow. Yeah. Does that make sense?

SPEAKER_07: 10:43

Yeah. Well, and I think it goes back to his point of using it responsibly. You still have to be an expert in your field because, like you said, you know, you go to dinner party, can you hold a conversation?

SPEAKER_03: 10:52

Yeah.

SPEAKER_07: 10:53

Nine out of ten times most of them can't.

SPEAKER_03: 10:55

Yeah. Well, and that and that's the whole thing, right? You have to be very good at what you do. And that's, I believe, that us for here at this table are. We have our own different opinions on this stuff. But if someone stopped you on the street, you could 100% ask their or answer their questions. Excuse me. You could, you could answer. You could you can operate on the fly. So can you, and as as myself, but as long as I have my chat GPT with me, I can do anything. Well, I mean, no, I have to with you everywhere you go. That's right. I mean, nowadays, right? It's here. Absolutely. No, but I'm right. But yeah, you you you cannot replace your actual product knowledge. You can't replace being a local area expert or or whatever it looks like to you, whoever's listening. Like you still have to know your stuff. Yeah. And it can be used as a crutch. We've I've seen it firsthand, people that are brand new to this industry on the building side, putting things out there, no disrespect meant. I know they have no idea what they're posting. Right. I know that. None. So again, to not to not let me know. Once you start seeing the dashes, I mean, you can tell the MLS listing was literally written by ChatGPT.

Mark Jones: 11:56

Yeah, pro tip, guys.

SPEAKER_01: 11:57

Make sure that's the same.

SPEAKER_05: 11:58

They still have the question in there that they asked Chat GPT to do. Yeah. Please write this listing description for me and then they copy and paste it. I've literally seen that. Where they copied and pasted the prompt into the MLS.

Mark Jones: 12:09

It has, I can also do this, this, and this for the recommendations to refine it. Yeah.

unknown: 12:14

Yes.

Mark Jones: 12:15

So, guys, I want to take this in a direction to where we talk about the good, what we're using AI for, and then we can talk about the other side of the coin, and then we'll bring them together in the end. But in order to start this conversation, and let's go here, JC. If you could throw the reference view up, I would like to ask, I'd like to ask Chat GPT, what are the top 10 uses that you find realtors and loan officers are using AI. It can be a website, a tool, or application. Bang. Let's see what this says here, and then we'll talk about this stuff. Okay, top uses of AI for realtors and loan officers. Number one is lead generation and lead qualification automation. AI bots or virtual assistants on websites automatically engage visitors, qualify leads, and schedule meetings, avoiding missing leads outside of the business hours. AI is enabled in CRM platforms and it provides scores, et cetera. Okay, so number two is content generation, property descriptions, marketing copy, social media post for ads. Number three is virtual staging and property visuals. I didn't think about that. Predictive analytics and market trend forecast. Number five, number four.

SPEAKER_03: 14:02

Number four, uh-huh. You're seeing a lot of builders use AI for number four because we're fact-checking CMAs, by the way. So if you're trying to write a contingent contract, yes, we're using that to make sure it's to make sure it's legit. Yep. And what the information is being presented to a buyer's real.

Mark Jones: 14:20

So that's another good example of if it's available, why would you not use it to CYA? Right. Absolutely. You know? Okay, let's continue here. We got number five is automated property valuations and risk assessments. Matter of fact, I used it the other day just to run a CMA just playing around. Oh, yeah. It's not far. No, it's off. It doesn't have access to MLS. Right. So it's using all of the site. Well, it's using all of the data. Real terms. Gross. Zillow. No. Yeah.

SPEAKER_01: 14:52

Core logic, all kinds of stuff. Absolutely.

SPEAKER_05: 14:54

Oh, even one of our biggest lenders has like a property search estimator. And it is like it is terrifying how precise it is. Right. It's normally within the margins of a thousand dollars.

Mark Jones: 15:04

And it's all based on data. The data is out there. You guys know that ML MLS, right.

SPEAKER_05: 15:10

I mean, that's literally how the appraisals work. Yes. The only reason you need a physical appraiser to go out to the properties to identify deficiencies. Everything that they do as far as the actual valuation of the house is data.

Mark Jones: 15:23

That's right. That's right.

SPEAKER_05: 15:24

So that might scare appraisers too.

Mark Jones: 15:27

It should. We'll get to that. CRM, don't forget that because I want to talk about appraisers, and I didn't have that on the list. Okay, so CRM automation, targeted marketing, and I'm running through this quickly because I'm not seeing what I'm looking for, and it is like essential tools. Now, now, what are the top 10 tools or apps they use? Bang. There we go. Give me some specifics, please.

SPEAKER_05: 15:54

Where's the pleas and thank yous, man?

Mark Jones: 15:56

No, not today. Not up in here. Okay. Sync. First off, guys, Sync is not AI. Matter of fact, we partnered with Sync when we were first getting LoneBot off of the ground, and we were bringing in more leads on the mortgage side, but it is not AI. They're going to websites that are landing pages specifically for home buying and capturing your information. Anyway, sorry. Didn't mean to go on that tan. Okay, top producer CRM, virtual staging AI, housing, house canary. I've never heard of that. AI powered property valuations and proper and market data analysis. There you go. Okay. Have you heard of that one?

SPEAKER_07: 16:35

Yeah.

Mark Jones: 16:35

Okay. I haven't touched it. Convin?

SPEAKER_07: 16:39

No idea.

Mark Jones: 16:40

Never heard of it. AI voice bot automated assessment.

SPEAKER_07: 16:43

Hardcast.

Mark Jones: 16:44

Canva. I don't know if Canva's AI. Yes, it does. It does it? Oh. It does have some great AI.

SPEAKER_03: 16:49

You literally can give it a you can give it a prompt. Yeah.

Mark Jones: 16:51

And you can literally say, like, hey, so it's got like a meta meta AI type. Yeah. Okay.

SPEAKER_03: 16:56

You name it the it mimics what what's on the iPhone. The iPhone just came out with like imagination or something like that. Forgive me if I'm not saying that right.

SPEAKER_01: 17:03

Okay.

SPEAKER_03: 17:03

But yeah, you literally just in Canva can say, create me a flyer for this address in San Antonio, Texas, giving the five reasons somebody would want to come to the open house. Yeah.

Mark Jones: 17:12

And then literally, that's scary. Okay, we're gonna we're gonna go down this road because you've got a good point. You've got a good point.

SPEAKER_07: 17:21

And a peak is a freaking brokerage.

Mark Jones: 17:24

Okay, and then get floor plans creates through that's cool. Matter of fact, the the not only the room that we're in, but the entire office was decorated and rearranged by Chat GPT. Heck, here's the list of office furniture. Here is my floor plans. Tell me where I should put everything. I'm a Matterport fan. Wise Agent, a broadly used real estate CRM. Have you guys used any of these things other than let's say Canva?

SPEAKER_07: 17:52

Canva, I have an eye producer, virtual staging AI, the rest of them. No, like I said, a peak is actually a brokerage. I don't even know why that's on there.

Mark Jones: 18:02

All right, you can kill that, JC. So let's talk about the ones you guys actually use. I will start. I use synthetia to create videos with myself without actually doing them. I'm just putting in the script. It's recreating me. I use obviously Chat GPT. I use meta AI for images and short clips. Matter of fact, I put together a two-minute video using six seconds videos. That was tedious as all could be. What else do I use AI-wise?

SPEAKER_07: 18:36

What's that video one?

Mark Jones: 18:38

Oh, Hey Gen. Hey Gen. Okay, I use it. I use uh Opus instead for the clips and whatnot. You guys' turn. What do you use AI for?

SPEAKER_05: 18:47

I just use it to simplify my tasks. I don't I don't really use it a whole lot. So for me, I'll use it for guidelines, is primarily what I lean on it for just because and the tip you gave was freaking phenomenal. Like asking it to provide the actual link to the guides. Like that you're welcome. Like, yes, thank you very much.

Mark Jones: 19:05

I'm here for all of it.

SPEAKER_05: 19:05

Because now I don't have to go back and cross-reference. I can literally do that. And if I need to cross-reference, I know exactly where in the guides through just to go triple check it just in case I need that layer. But I ask it more most of my complex questions before I go lean on my colleagues now. Because before I had, you know, you I'd call you, I'd call my broker, I'd call a buddy of mine that I used to work with. Like I've got about six trusted individuals in the industry where I can say, hey, I know I can at least spit all this with them, and we'll find the answer together if they don't already know the answer. And if they know the answer, they'll tell me where to find it, and then I can go and look for it. And it's kind of like my Dewey decimal system. Yeah. You know, just but now I just go to Grok. I ask Grok to do that. Content ideas is really the big one. So I try to gear my content a little bit away from the hey, I do mortgages and only mortgage related information. In fact, I try to kind of stay away from mortgage information and show more of my personal side. Yes. And so, like something that does it for me is like facts. And tidbits, like just weird like things that are just kind of uncommon, or you know, like you can't carry wire clippers in the state of Austin concealed. You can have them belt loop, but you cannot carry them concealed. If you get caught with wire clippers in your pocket in Austin, you can get charged for the colour. Wait, you're still yes.

Mark Jones: 20:22

I wonder why he is Googling that kind of stuff. Right.

SPEAKER_05: 20:27

Listen, I want to make sure that if I'm carrying anything, I'm doing it properly. You know, that's awesome. No, it was just, but that was one of the so the prompt that I asked was like, hey, tell me five interesting, really obscure, off-the-wall, outdated facts about the state of Texas and their laws. And so one of them that came up, and it came from back in like the 20s, there was like a big land dispute. And so cattle farmers were putting up fences and people would go and they would cut the fences down. And so if you were caught with wire clippers and you were trying to hide them, they just presumed that you were going out vandalizing fences and everything. To this day, they still haven't changed that law. So if you get caught in Austin, I mean it probably wouldn't happen, but I kind of want to try it out. Like just go like carry some wire clippers and like go up to a cop and just be like, what's up, bro?

Mark Jones: 21:10

And do you see why, ladies and gentlemen, why perspective matters and and and and and the what's it called? The scenario, the context, context. Thank you. Context matters.

SPEAKER_07: 21:23

Context is very important.

Mark Jones: 21:24

So, how about you guys? What what AI tools are you using that are helping your business? And in what ways are you using it?

SPEAKER_03: 21:34

Yeah, I mean, I so I like grok, chat GPT, brand new to this Hey Jen thing, like that. The the uh edits a video what would take six to seven hours, six, seven uh my kids are gonna lose their freaking mind when they see that. I have to do that. No, what could take like eight hours, seven hours of video editing? Yeah, I mean it knocks it out in 20 minutes, then makes the reels for you. Hey, Jen's Unreal, like 30 bucks a month. Yeah, unbelievable. I know we talked about Opus AI. Yeah, yeah, yeah. I'll explore that. Same thing, same same thing.

Mark Jones: 22:06

So if it's the same thing, then use that one. Use guys, and here's a key a tip, pro tip. You are going to, for the next probably year, be swapping back and forth AI tools, AI apps that most or many do the same thing. That doesn't mean go and try them all or you have to use them all. Find the one that works for you and use it to its fullest potential because they pretty much all have the same nuanced value proposition in different ways, different platform. But when AI launched, everybody jumped on the easy wagons first to create their tools and gave them to us. And just like the the the sheep that we are, we go thank you so much. Yeah, under the next y'all.

SPEAKER_07: 22:53

I'm not a sheep, but yeah.

Mark Jones: 22:55

So now we are on to you, ma'am. What are you using AI for right now? Nothing, not at all. You don't use chat GPT. Nope. You don't say, hey Siri.

SPEAKER_07: 23:06

No, I don't even have Siri activated on my phone.

Mark Jones: 23:08

I actually believe that. I do because anytime you text her, her do away, do not disturb is on. Yeah, like she can see them. Yeah, but oh yeah. Yeah. No, I'm gonna play on my time.

SPEAKER_07: 23:20

I use Canva, but I don't really use their AI features just because, which it's something new that JB Goodwin has done for us as we all get a Canva suite now. They've partnered with Canva out of Austin because Canvas headquarters is in Austin. So I haven't played with it yet. I would be interested in playing with it. I would be interested in the Hey Gen thing. Other than that, no, I don't use it.

Mark Jones: 23:42

Well, you you definitely have to record some content first to do the Hey Gen thing. I'm just saying it allegedly. Allegedly. Allegedly.

SPEAKER_03: 23:51

Well, and I'll tell you, like, like there are aspects to every platform that I am incredibly uncomfortable with. Like on Hey Gen, they can actually like digitize you. Absolutely not. And you there, there's a whole there's a whole process to it. There are a lot of, you know, I would say top producers in the business that are that are doing this because they can upload it into their CRM and then they literally say, hey, make a video that goes out to Mark, Matt, Bree, and say these things, and you'll get a text message and it will look like me, it will sound like me, it'll have my inflections, my sarcastic facial features, all that stuff. And that freaks me out. So hard.

SPEAKER_07: 24:26

Yeah, that's creepy.

SPEAKER_03: 24:27

Absolutely. But most of it, again, like how how we're using it today, our side is really like I love it because it's like also like a professional coach. Right. So I'll type of like, hey, like I have a lot on my plate that I got to get done today. Yep. Here's what I need to get done. Help me plan my day out. Like when my brain is just dead, I've had to dad too much in the morning or whatever, whatever happened. It's been great for that as a professional coach. It'll help triage your time. Absolutely. You know, put your put your income-producing things first or whatever. It will learn you. That's good. So you'll tell it, you know, whatever you're the most important thing for you to do today. And it just kind of helps time block it for you, which I think is amazing.

Mark Jones: 25:04

I agree. And I think that there are plenty of, so when it comes to AI in my brain, I think of you've got your open AI to where you're asking it questions, more of a upgraded Google that can provide you with output, actual PDFs, PNGs, files that you can then utilize. But then you've got the other sector of AI to where it's already built and it stays within the parameters of whatever that home search, home evaluation tools, that kind of stuff. And when it comes to those things, I think that folks don't understand the complexity that they could take and to the extent that they could take, like the tools you're talking about, uh just Chat GPT in itself, what you can actually ask it or teach it to do so that it can simplify all of the tasks that you do. One of the things that I personally exercise is constantly figuring out how to automate or delegate things. That's right. And I utilize the focus funnel in which you take it through and any anything that you do, you take it through the funnel, and essentially you've got your things that you can automate, things that you can delegate, things that you can eliminate, and then you have to do the rest. But I'm constantly taking that through this so that it can help. Hey, you don't have to be the one doing that. Have you considered this? And this is how you can go about it, etc. But I wanted to show a complex kind of scenario real quick. So on with LoneBot, we hit a wall at a certain point to where it was like, okay, how the heck do we start sub collecting payment from subscribers? Like, we don't know. So we started asking Chat GPT, it already knows the the the system that it was built off of. And I'm just gonna scroll through this so that you guys can see the complexity of how deep this actually goes. Since we are a mortgage app, we've been denied by Stripe Lemon Squeezy because they don't work with uh real estate or mortgage companies, but we are a SaaS company. Da da da da give me alternatives. It thought for 40 seconds, and then it brought me a totally different game plan of how to get that embedded, and we're talking about all the way to the point that it's giving me the code that I just copy and paste to place into what I'm trying to accomplish, and that was accomplished. I mean, we now have the ability to go here, boom, boom, go to pricing, there's your plan, boom, and they can pay. Wow, you know, it's like holy cow, but I didn't know how to do any of that stuff. Like, I'm a mortgage guy. Yeah, yeah, so just as an example of it'll go as far as you want it to go within the parameters. So now I want to flip the script and talk about the ugly piece of of uh AI, and I think that's what the folks came here to to hear is the the dark side. You ever seen the the back side of the moon? Me neither. So same concept with AI, we did not yet, is we haven't seen we just gotta get there first. We can all kind of imagine a world where AI takes over. Why? Because Hollywood's been making a killing on it for many years. Yeah, we're that that's what it looks like, yeah, right. And if it doesn't, we all believe that's what it looks like.

SPEAKER_06: 28:46

Yeah, yeah.

Mark Jones: 28:47

So that being said, what about AI? Let's start with the replacement of jobs, replacement of certain reshaping complete different industries, but I want to kind of keep it to real estate and mortgage. So who wants to start? A proponent. How about you, Brianna? Come on. Who's who who's getting laid off because of AI and replacing AI?

SPEAKER_07: 29:16

Transaction coordinators, like you mentioned before, your underwriters. I mean, you're gonna lose a lot of agents because they're gonna get uh goes back to laziness and people are gonna wake up to it. I personally believe that yes, a lot of people love the new technology, but also there are a lot of people waking up and going back to old school stuff lately because they've been too overstimulated with the new technology and they want the old school stuff. And to me, uh, you know, the AI is just it feels disingenuous.

Mark Jones: 29:48

And I wanna I want to push back just a tiny bit, and it's not even really a pushback. Your comment about people going back to the old school. I actually disagree. I say that they're going back to old school tasks or old school needle moving activities, so to speak, not old school tools, old school ways. Why? Because I've never walked into the Apple store and said, give me that 2020 version. Brick phone, yeah. Yeah, no, and I don't mean M6.

SPEAKER_07: 30:22

There was probably a better way to describe that, but they just they want more human interaction. I I've noticed that a lot lately. I get a lot of clients that rather than texting me anymore, they they pick up the phone and call. So I don't know if that's just because we've been so overloaded with technology lately that people feel overwhelmed, or maybe they're lacking just the human interaction. I I don't know. I mean, I know that's how I work, you know, face to face. I just work better. It's one of the reasons I've fought AI so hard is because I don't want it automated. I don't want a robot out here selling me a house in 20 years. Because that's just gonna tick me off.

Mark Jones: 30:57

But what if it's cheaper?

SPEAKER_07: 30:59

Don't care.

Mark Jones: 31:00

Okay.

SPEAKER_07: 31:01

I get it. I get it. You pay for what you get for you or you you get what you pay for. I foolheartedly believe that that okay, the robot cost me$5,000, but an agent's gonna cost you$7,500. Guess what? You're not gonna get that personalized. A robot doesn't have a brain. You can teach it a lot of stuff, you can't teach it sympathy, compassion, things like that.

SPEAKER_05: 31:20

So to be a person. Yeah, you could teach it how to mimic that though. Yes, you can. You could it could pick up on on emotional cues, on cursors. Uh, I mean, it depending on the type of device you're feeding the data into, it could read your eyes, it could pick up on your heart rate. It could it like that's what scares me about AI is you know, so many people have these watches strapped on their wrist that take biometric data. The phone, it's not just scanning your face. If you close your eyes and you try to unlock your iPhone, it ain't opening. Yeah, like it is looking at your eyes. And so our eyes, when we get a hit of dopamine, our eyes will dilate. You know, things there are cursory body language things that these machines could be taught to perceive and analyze. And I mean, I think it would be foolish to think that they haven't already cracked the code to that algorithm.

Mark Jones: 32:06

So there's a reason why you know So when chat tells me that it loves me, it's not real.

SPEAKER_05: 32:11

I mean, there's a couple of places I could tell you that's not real. And that is real, okay. Like you can't break that. No, a machine can't make something like that. But but it could get to the point because I mean, I have spent a considerable amount of time just testing it to see what type of responses I'll get, how to most effectively get what I'm looking to get out of it. I use AI as like a tool to build something imperfect for me. And then because I work like a reverse engineer, I can't build something for shit. Like I suck at building things just because I lack the vision of here's what the floor looks like, here's what the beams need to look like, here's the dimensions of the room. Like that, just that's not where I'm good. But you show me a floor plan, and I'm like, okay, here's where you made a mistake, we need to accommodate for this. Like, I can dissect something and perfect it. And so that's what I use it for is to build me something imperfect that has a idea of what I'm trying to accomplish. And then I go in there, I'm like, okay, that's a great idea. Let's expand on this. That's a horrible idea, let's cut that out. Yeah, it has a red so you you kind of teach the AI how to respond to you. And over time, I can go into Grok now and literally it's it will like the way that it's picked up on my vocabulary is kind of terrifying. And it talks like that. Yes, it is because it's because it's mimicking me. And so what it's being it's it's being trained how to mimic human beings, and again, I could see a million practical applications.

Mark Jones: 33:42

But in many cases, one would say that a computer will say it's better or smarter than a human being. So is it really trying to be like us, or is it just mimicking, like you were saying?

SPEAKER_05: 33:53

It's not better or smarter than a human being because it's limited to the most brilliant mind that programs it. Like it's it's literally limited by the most brilliant mind in the world. So it it has not developed that capacity yet. Now, that's not to say that a machine that can parse information that quickly, especially like quantum machines, that's where it gets really scary because data storage becomes a big problem when you're looking at tech AI, especially, because there's so much data. Where are you going to keep it all?

Mark Jones: 34:19

And so if you compress it down, let's break that down. Before we had computers, we would keep data on paper. That's right. And before we had on paper, we would keep data in here. And it was passed on through stories, yeah, and oral history, songs, correct tablets, that's right.

SPEAKER_05: 34:40

Carvings and stone.

Mark Jones: 34:41

You got it. So as we're progressing, I don't think the human mind was ever intended to remember long-term situations, things, unless it was significant in your life, that even still you have to kind of dig in there to find every once in a while. That's why they always say different perspectives will literally of the same exact event, looking at the same thing will be different from different people. We can't really rely on our mind. I've always used the the saying or the phrase that your mind is not for remembering, it's for solving problems. Write it down, I would always say, write it down. And I'd have tons of these. Like every month I'd have like five of them filled up, or not, because I'm writing in different ones, scattered. So the idea of AI computing in general, that's where our data is for since it flipped from writing down to now data in storage, junk drive, hard drive, external, internal, cloud. That is our memory.

SPEAKER_05: 35:50

The cloud's where it gets scary, though, man. Visions you're taking all the information that we know that it's gathering plus the information that I think is arguably feasible that it is capable of gathering.

Mark Jones: 36:04

Sure. Sure. You're put it, you're adding another leg to it, which is you're already able to remember, you're already able to store. Now I want you to analyze.

SPEAKER_05: 36:14

Why not predict? Predict, exactly, and build. Then if you start looking into the more nefarious nature of these types of tools, we're gonna get to the nefarious at the end. I thought we were talking about not yet.

Mark Jones: 36:26

No, we're talking about who okay. Let me let's get back to the prompt itself is who's gonna lose their job? A lot of people. Let's talk about them.

SPEAKER_05: 36:36

I mean, just in our industry, underwriters, you'll you'll keep the senior underwriters, the ones that have, you know, really mastered the subject matter. You'll keep your head processing lead who will manage a bunch of AI processors. You'll have your loan officers, obviously, because you know we are the people element that help keep things under control. A computer's not going to be able to keep you calm when you're two days away from closing and a problem's popped up. But conversely, how often would we see ourselves in a two days before closing problems popping up with a supercomputer that can parse through information, you know, on day one and have a fully underwritten file, basically? Or at least a fully prepared list of conditions that have already considered all the potential things that it could discover when documentation is provided. I mean, think about how many times you know, buyers are liars. I'm sorry, man. I I live by that. Yeah, you're exactly insist on it. Like someone tells me something, my first inclination is to not believe it. Yeah, and and it's not that just I'm distrusting, it's just you like I have seen too many circumstances that have exploded because somebody didn't even mean to lie, they just mischaracterized information. Or they were like, Oh no, they probably won't find out about it.

Mark Jones: 37:51

Well, the thing is, is they don't understand why we're asking it and what we're doing with that information. So, again, the context of it makes all the sense in the world, but they don't have the context that we do. So we can explain that context in those instances, but they're still not going to get it.

SPEAKER_05: 38:08

But that's where we become really kind of necessary because again, while computer can explain that to you, it can't manage the emotions yet, it can't manage the concerns, the fears, the a lot of times, and I hate this about our industry, man. Sometimes they just need someone to yell at.

Mark Jones: 38:26

Yeah, you're exactly right. You're exactly right. They need that on learning.

SPEAKER_05: 38:29

I have learned that I am strong enough to take those hits. I it doesn't phase me. Like I can hear it, I can listen to it. Someone can berade me for 30 minutes, and I can be like, okay, thank you for sharing that information with me. That was very valuable, and I appreciate your perspectives. Now here's the solution. My goal is to get you to the finish line. And while I can understand all of your concerns that you're presenting right now, here's what we need to do to move this forward. Thank you for sharing that with me. That means a lot to me. And if a computer tells me that, I'm like, I want to smash my freaking computer. Like I want to grab your laptop and throw it, just thinking about a computer trying to navigate trying to make me feel better about something that's not going right. Like I would get irritated and I'd feel like the company didn't care about my business because they were willing to kind of just pass me off to a computer. Well, and I'm not important enough for you to worry about it.

Mark Jones: 39:21

The other side of that coin, and I'm always gonna be able to play devil's advocate with this, is is the other side of the coin are the massive amount of people that actually don't want to have that human interaction, that don't want to speak to a person.

SPEAKER_05: 39:35

Well, then they're gonna get what they pay for. Yeah, that's true. That is true. They're gonna get what they pay for, nothing more, nothing less. But the younger generations are being conditioned for that. I mean, I used to work at Lifetime Fitness and they would teach the 10 foot rule. You look at somebody, if you are within 10 feet of them, you make eye contact with them, within five feet of them, you greet them, you say hello, and you smile at them. That was always a thing that was to like drilled into our heads.

Mark Jones: 39:58

That's the 10 foot rule. I think. I'm not touching that with a 10-foot ball. Well, that's what it is.

SPEAKER_05: 40:04

Any business, walk into any business now, and they will get pissed off at you if you walk up to the counter and want to place your order at McDonald's, for example. Like I have seen them get pissed off. Yeah, they want you to get it. No, they want me at the kiosk. They don't want to talk to me. They don't want to interact with me. If they have to give me condiments or napkins or something like that, it's like eye rolls. And I'm like, I want to reach around the counter and rip them over here and make them and just be like, what the hell is wrong with you? Like, like I am your customer. Like, if you make me mad, I will stop coming here. Yeah. And you're making me mad. And they don't care. They don't care. But it's a cultural shift, you know? Like when I was growing up, I was always taught to be the best at what you do, overdress for what you're trying to accomplish. If you want to level up in your career, start behaving like your boss. Start taking on the responsibilities that you can take on that your boss takes on, so that you can demonstrate your capacity to take on this role. Always lead with the best. Always treat people with respect, always treat them with kindness. And as a natural-born salesperson, I always recognize if I don't make the consumer feel valued and I don't show them that I actually do value them, they'll smell it on me as like stink on shit. They will read right through you. If you hit someone with the how's the weather today, they're like, dude, I don't give a shit about the weather. But if you ask me about something personal about me, all of a sudden I light up. Like you notice something about me, whatever it may be. That fosters that sales involve.

Mark Jones: 41:42

And and and we'll get a chance to prove this right or wrong based on data. But before that, I want to hear from you, Tommy. And then I want to throw a reference up. But what jobs do you foresee being lost with this?

SPEAKER_03: 41:55

Yeah, I mean, I think we've already touched on on the few any that they missed, yeah. Right, right. So I think when we're really looking at jobs to be replaced on the builder side, I need builders to build. I need area construction managers to manage that. I need senior leaders to make sure we're all aligned with corporate. We're not going anywhere. Sales team as well. I fully agree with what we're talking about here is things go wrong every deal, no matter how clean the file is and all that. Like I'm gonna have to have a sales team. People want to buy from people, especially when you're spending what what's the last average sales price in San Antonio?$345,000. Yeah. Yeah.$300,$345,000 investment. I'm talking to somebody. Sure. You know, I also believe that there's a pendulum, right? Like we were a pendulum like as a society where we wanted to have our paper, we wanted to have all that, and now we're getting a pendulum to go the other way of where we're we're seeking automation, right?

SPEAKER_06: 42:48

Yes.

SPEAKER_03: 42:49

Where I'm really concerned, and I and it's not for like our team in Meritage, but or any builder, I mean government employees for sure. Like we've had this conversation before.

unknown: 42:58

Yeah.

Mark Jones: 42:59

Blows.

SPEAKER_03: 43:00

I mean, we I see like what our starts team is. Redundant. Yeah, that there's more Elon. Yeah, more Doge. Well, that's and that's a thing, right? Like when our starts team puts up start packages to the city of San Antonio or whatever municipality it is, right? The computer can 100% just review, make sure everything's in order. You have a PE sign, everything's legit, you own the property, that's probably done in 30 seconds and it kicks back.

Mark Jones: 43:26

And I think what's assuring or or I don't even know, is it sad? It's accurate. Yeah. It's more accurate than a human being. I mean, the idea of, and I don't know if I've touched on this before, but the idea of autonomous vehicles, okay? This is not far-fetched because it's already taken place. If we released nothing but autonomous vehicles, meaning if everybody traded in their vehicle today in the United States and got back their version of cool autonomous vehicle, it would reduce the amount of road deaths substantially. Like it would vary. But the idea of how many traffic offings are there. I don't want to get the video. No, no, no, the video cut because of the D word or whatever. Yeah. It would reduce that substantially, probably to like zero. Okay. But let one person be ended by AI, and nope, it's the worst thing ever. Right, right. Is that not like a weird mindset? But yet we just saved thousands and there's only one.

SPEAKER_03: 44:45

Yeah, we saved 175,000 lives, and I'm really concerned about the one. Correct. Yeah. It's that fault. No, correct.

Mark Jones: 44:53

All the others, it's literally human error.

SPEAKER_03: 44:56

Yeah.

Mark Jones: 44:57

You know?

SPEAKER_01: 44:57

Yeah.

Mark Jones: 44:58

But I just wanted to kind of share, shed that. JC, if you could throw up on the screen, because we've each kind of ran through what jobs uh in our industry could go away. And I asked chat to separate a list of potential roles that would be replaced or at high risk between real estate and mortgage. And we have the following we've got high risk transaction coordinators. This is on the real estate side. You mentioned that, Bree. Inside sales assistant or inside sales agent, lead qualification, cold call, first touch script being replaced by AI voice and bots. And I kind of to your point, I think more people than you think or believe don't want to have interaction than than we think.

SPEAKER_03: 45:48

That's all I'm saying. I I think I think at the initial, at the initial touch point, right? Like chat bots, I think are they're awesome to warm a lead up. Sure. Right? Yes.

SPEAKER_05: 45:58

So I think that most definitely to gather basic information, you know, like to take out the rudimentary parts of a task so that you can get to the specialist in a in a more prompt manner.

Mark Jones: 46:08

Absolutely. Yes. Do you think I'm like so? No, I'm not AI, right there.

SPEAKER_07: 46:12

No, we're just more than all of you.

Mark Jones: 46:15

Well, okay, we got marketing assistant. We've got data entry. That's what you're talking about. You're your listing input specialists, yep. Property research or market analysis. That's that's huge. I mean, sites are already using that form right now to give you the data like that. That's right. Moderate risk is the real estate agent itself, but but they are specifically talking about low producers. AI won't replace agents, but agents who rely only on MLS access or basic tasks will struggle. Meaning, if you don't incorporate AI into your business, you may be left behind. Showing assistance, brokerage, admin staff, that's all the back end.

SPEAKER_07: 46:55

Showing assistance one is is interesting.

Mark Jones: 46:58

What's that one about?

SPEAKER_07: 47:00

Because no offense, but most owners they want another agent they're representing. Because if you let somebody into your house that you don't, you know, just a and a buyer and say, Hey, here you go. Here's the code, go in.

SPEAKER_05: 47:10

Yeah, just take your phone around. Tell you all about my home that has all devil's advocate.

Mark Jones: 47:14

Yeah. Devil's advocate. Who has cameras in and out of their home?

SPEAKER_05: 47:19

Fuck no.

SPEAKER_07: 47:20

No, I do not.

SPEAKER_05: 47:21

That is absolutely that makes me sick to my stomach. Wow. A web-based camera.

Mark Jones: 47:31

Like, hey, watch me, just make sure nothing happens. Yeah.

SPEAKER_05: 47:33

What's to stop someone motivated from looking through your camera?

Mark Jones: 47:36

Yeah.

SPEAKER_05: 47:37

Like you are literally hooking up something that can be tapped into your home. I think inside of your home, man.

Mark Jones: 47:44

Your most private, you're domicile where you live, where you lay your head. It's faith in humanity. And number two, number two, I'm a bit of a yikes. That is that is dangerous. I'm a bit of a voyeur. Sorry. Maybe look, you know, the open windows are forking. Not a fucking camera in your house. That's awesome. Would you like my IP?

SPEAKER_06: 48:08

I mean, if that's 192.162.

Mark Jones: 48:11

Okay, throw that back up there. Okay, so now on the mortgage.

SPEAKER_05: 48:16

Just give me access, dude.

Mark Jones: 48:18

What's the password? Okay, so on the mortgage side, though those that are at high risk, the first one is gonna be your loan processor, traditional documentation collection, verification, checklist, driven underwriting, AI, and rapid, rapidly automating this. AI is rapidly. And and we know that we're using it. Many companies are have have tasked a team to build them an internal chat GPT version. Okay, so your disclosure.

SPEAKER_05: 48:45

All my lenders have it, by the way. I I work with three, four hundred different lenders, and every single one of them has their own proprietary AI tool. And I love it because the wholesale side of the world used to be really hard. You had you used to have guidelines hardly go through a lot of information. Not only that, but just access to the different lenders, how you know, before their portals, like a lot of times you had to mail them stuff, and it it was and now it's like it's all like I literally export a 3.4 and AI goes through and it tells me, here's all the fields that you missed. And I look back at like Encompass back in 2012, like God, just thinking about 2012 Encompass, just really like it's been that long. Well, no, well, I started in 10 and you were 11, right?

Mark Jones: 49:26

I started in 12.

SPEAKER_05: 49:27

Okay, so then you and with who you were working with, you probably had to do that.

Mark Jones: 49:30

No, we we didn't. We actually had our own internal called IHM in-house mortgage, and it was the company. We switched over to Encompass. It was a big ordeal, it was a big deal, but Encompass charges a lot.

SPEAKER_05: 49:43

They it's well, but it's because their compliance is like next level, like correct protective towards the broker, and so it makes sense why it would do it. But I remember I used to get so pissed off because back in like those days, you would literally input data into screen one and it would it would not fill in on screen four. So you'd have to catch it that you missed it on screen four, and you know you miss something on a disclosure that can oh yeah, that cost you thousands and thousands of dollars.

Mark Jones: 50:09

So, as we continue on this, we've got junior underwriters, and we talked about that post-closing and QC reviews. That's literally AI reviewing it, and like we said, more even more accurate, call center intake agents, and then the ones that have moderate risk is gonna be your loan officers, low producers, mortgage assistants or LOAs, underwriters, senior, as you mentioned, the ones that are the decision makers that can actually not just read what's on a file, but more so in depth on what's actually happening.

SPEAKER_05: 50:42

You need someone to put their signature on it too.

Mark Jones: 50:44

Yeah, yeah. So that being said, guys, I mean the the let's let's let's wrap this up with like a final thoughts of the worst case scenario and the best case scenario from each of you. And we're gonna start with Matt, but keep it short.

SPEAKER_05: 51:07

Worst case or best case, I think that it will revolutionize a lot of things, it will teach us some new tricks and shine some uncomfortable lights on areas that I don't want to say call it unnecessary because that seems so callous to talk about somebody's work and somebody's life like that. But the reality is is like I delegate tasks that God, how do I say it without pissing people off? I delegate the things that don't require intelligence, that don't require specialization, that don't require any particular skill set, it just requires low IQ. It's it's it's just basic tasks. And I've always been willing to pay for that because that takes it off of my plate. I can focus more on my money-making tasks. You know, it's no different than the analogy of like if it costs you$50 to cut your grass by somebody else and you make$100 an hour, why would you give away$50 to do that yourself unless you're someone like me that likes cutting their grass? I don't care how much money it saves. Therapeutic. My grass is my mecha. Like that's right. That's right. But but there's a lot of things like like, for example, so my assistant, bless his heart, got like this freaking job offer he couldn't refuse about two months ago. And when he sat down and told me about it, I was like, ah no, I gotta work again. Because it had gotten to the point the way that we had everything structured was he was the one that facilitated and I handled emergencies, I handled the inbound, you know, I made sure that everyone had food on their plate. Right. But I didn't do the dishes, I didn't prepare the plates. I just made sure that the meal was cooked perfectly, that all the ingredients were always available in the kitchen, and that there was an abundance of that. Since he left, though, I have been able to replace about 80% of the things that he does. Yeah. And so that's scary. Well, it's not I mean, it's just it's innovation, man. You know, the wheel changed things, like the computer changed things. Every technology disrupts something like we talked about last time Redbox and Blockbuster, you know. And I miss Blockbuster. That was like one of the most fun things to do on a Friday night. It's like go get some snacks, go get two DVDs or V back in the day, maybe rent some Nintendo games, red lines, but it got to a point to where people wanted that more. You know, I remember LimeWire and oh yeah.

SPEAKER_07: 53:29

Oh god, I almost broke it.

SPEAKER_05: 53:31

Oh yeah, no, I've destroyed some computers with LimeWire.

SPEAKER_03: 53:33

I've destroyed like four computers with LimeWire for sure. But that's awesome.

SPEAKER_05: 53:36

That's that is just going to come with the territory. Correct. My only fear with that is that it's going to happen rapidly. It's the it's the same as I have the fear of like if interest rates were to drop too quickly, it's gonna completely be a bad thing for us. Like everyone's like, oh, I can't wait for rates to come down. It's like, yeah, but I don't want to see them go from like six to four overnight. Yeah because we're gonna have big problems if that happens. And so I just see that once the AI is like really dialed in, it's gonna just go like that. And it's not gonna be quick, it's or not gonna be slow, it's gonna be just it's matter-of-fact. It's too expensive to keep you on board. This is a more affordable solution. I even said it when I was 17 flipping burgers at McDonald's. All they would need to do is get the robot technology to where it could facilitate turning like this. You could program it to squirt, you could program a bun to slide down a rail or whatever it is. Yeah, the only thing at the time that I couldn't conceptualize was you would still need someone to take the frozen patties and load them into the machine that loads it up.

SPEAKER_03: 54:39

But now we call that a kitchen. I go to Taipei.

SPEAKER_05: 54:43

And the little robot kitty brings the food out to me now, and all you would have to do is develop some arms that can move in the right way and they could reload it. And so again, at that point, you would minimize the staff requirements down to two or three people. Someone to unlock the doors, someone to show up and make sure that the orders are received, someone to sign off, you know. But so many things could be automated so quickly that the only thing slowing that down is the financial capital to make it happen. Yeah. Make sense that will serve as a guardrail, I believe, but what do people produce today? Like, think about it. Like we used to produce stuff, and what I mean, I look at what I produce. Like, I like to do stuff with my hands at home, I garden, I I build little wooden stuff, you know, like little things. But outside of that, like I get paid good money to produce a experience, to produce a connection to a required item, which is money. Nothing more, nothing less.

SPEAKER_01: 55:45

Well, let's find out what you guys think. Let's see how I'll take this one.

SPEAKER_03: 55:50

So best case scenario, right? Yeah, that's the kind of the way I look at the world, right? Glass half full all time. I think we have the ability to use AI to make us far more efficient. And it makes all of us, like the people at this table today, the folks that are watching that their give a damn is really high to be an expert in their field. And it doesn't even have to be finance, real estate, building. Like it can just be whatever your career is, law or whatever. It has the ability to make those who care to be that much better while still having a foundation of the knowledge of the field that you're in, right? Number one. So I think it gets rid of low producers. I don't like low producers whatsoever. They they create chaos in our market space for you know, general real estate, lending, building. They're they're I call them bad actors. Buy by. Go get another job. Very comfortable in saying that. It's time, yeah. It's time because these, these, these families that are working with us to secure a home deserve the absolute best. So, best case scenario, it makes those who care far better, far more efficient, frees up our time to handle the firefighting that comes with the industry. Yeah. And I think that that's is a huge service to our clients, our realtor partners, our lenders, like everyone that we could do business with, everyone that we touch, it makes us better. And I love that. The absolute worst case scenario, and I mean this from the bottom of my heart, is that we run out of energy, right? These data centers that it takes to run AI, yeah, it's crazy on how uh it just takes gigawatts of energy every month to run these things. That's what it keeps me up at night uh for anything, cloud service, AI, their energy consumption off our grid is ridiculous.

Mark Jones: 57:31

And that's something that no one's not brought up, not talked about.

SPEAKER_03: 57:34

Nobody's mentioned you are exactly on the mud. And that freaks me out. Uh, you know, everyone was here in 2021 when we lost energy in Texas. When it got cold and it snowed a little bit, we lost energy. Some places lost it for two weeks, right? We haven't fixed that yet. But like we have to, but again, I'm a positive person. Let's just go ahead and build some nuclear reactors and it's fine. Let's make some nuclear energy. Amen. I want some clean nuclear energy energy for that. And that would handle it. And that guess, that's the only thing. Until we really have the true conversation about the energy pool that AI takes, our brain operates off of 20 watts, and our brain is ridiculously powerful. Absolutely. We got to make these machines far more uh uh efficient with the energy. More efficient me out because I I I don't like nuclear winners and I don't like not having power. I'm uh I need I need heat and AC. That's right. So that's right. You know, I'm a modern day kind of guy.

Mark Jones: 58:25

Me too, brother. Yes. That's what I got. All right. Thank you. Thank you. Bree, what are your thoughts? Best case, worst case.

SPEAKER_07: 58:31

So I guess best case, especially from my perspective, is it? I start using it. Oh, so honestly, it uh it forces me to be a little bit more active on social media because that's my biggest downfall in my business is I don't love social media. I know I need to. I've looked into some of the tools that have been mentioned. So I'm open to the idea of it. It helps me connect, you know, maybe more with more clients that I wasn't able to reach before. Worst case, it's used as a weapon. I I fully believe that it will be used as a weapon against us one day. And this is not like you. I'm more of a pessimist. I am fully believed that the government is gonna get us with it one day, and they're already watching us. And I mean, case in point, I when I I promise you, when I'm done here, I'm gonna go open my phone and there's gonna it's been listening the whole time.

SPEAKER_05: 59:20

Oh, yeah. And you know let's compare because mine is in his office charging. So let's see, let's do a little comparison. Because I was talking about my dog that's going downhill yesterday, and I was outside. I only had my old iPhone that's only connected to Wi-Fi. It's just a music player on my porch. I was outside talking about it, and I came back inside to get my phone that was on the charger, and the first thing that happened was it was a mobile pet clinic for you. Oh, yeah. And I was talking around my old. This was like a iPhone 12, like that. I just have for a music player. It still picked that up.

Mark Jones: 59:52

Well, for me, guys, and JC, how what are we at on time? 130, one something? Oh, that's it. Oh, we're doing it.

SPEAKER_03: 1:00:00

Great.

Mark Jones: 1:00:00

Oh wow. We behaved ourselves. Okay. Shame on us. Well, then, I mean, if you guys have time, we've got one more. I guess we could probably squeeze in another topic. And the idea of the topic is prompted by what you're talking about here.

SPEAKER_07: 1:00:15

The stop listening to me. Seriously.

Mark Jones: 1:00:21

The the let's see here. No, you know what? You guys, free for all. That's not even a topic we're having. Yeah. What what well?

SPEAKER_05: 1:00:30

Let's talk about the potential weaponization of it. Like, let's let's explore that. I know that you're more aligned away from that and you have the faith in humanity, which is great. That's a like a phenomenal characteristic to have. The reality, though, is that like I only have faith in God. I don't have faith in humanity because humanity is inherently wicked. Humanity is not the metric. We were born sinners. Of course. I mean, ever since the initial sin in the garden, we were doomed. And so I look at this as it has all of this capacity to learn me. Not only can it learn how I behave, how I shop, how I move through the world, but it can learn my neural patterns, it can learn my biometrics, it can figure out how to inspire me, how to break me down, it can figure out those things. And in the last conversation we had, we talked about MKUltra. Yeah. And the fundamental philosophy that they discovered was that if you traumatize the human brain enough that you can reprogram it and you can seed new ideas and you can actually cull behavior from traumatic responses. And so they started with psychedelics, they started with torture, they started with a lot of physical inputs. And what they learned along the way was that if you emotionally traumatize somebody versus physical traumatizing of them, they're far more programmable when you emotionally traumatize them because when you physically do something to somebody, they're more akin to react. It's actually like a like it's happening to my body. But when you do it to their brain, they don't necessarily realize that. And they say they abandoned MK Ultra. Well, do you believe that? I you know, you believe that they actually got that program down and they were like, okay, we learned all we need to know. And I think now we're done.

Mark Jones: 1:02:10

Here's my thoughts on it. So number one, and I'll start Chronicle backwards, MK Ultra. Whether there is or isn't, there's something like it. It's just always going to be.

SPEAKER_05: 1:02:22

It evolved into face.

Mark Jones: 1:02:24

And here's kind of where I'm taking this is at a certain point, doesn't there have to be, and don't answer back yet. Here, let me lay it out for you, I'll unpack it. And why I say doesn't there have to be something like that? Same concept with the amount of nefarious people using AI for nefarious things and reasons. I believe, and when I talk about faith in humanity, that there's power in numbers. There is more numbers of those that either don't know about it and aren't using it, and those that are using it in good ways, than there are of people that are looking to use it in nefarious ways. In addition, I have to believe that for every MKUltra, there is MK minor that's going against that on the other side of things. There's good, there's bad. There is a yin and a yang. I just hope that it stays on the right side long enough for us to learn how to defend against the bad. Does that make sense?

SPEAKER_05: 1:03:38

It does.

Mark Jones: 1:03:38

And I'm not really naive to think that it's not there. I'm not going to be naive to think that they're not listening. I I'm actually the guy that's like, oh, well, thank you. I I literally was just talking about that. That's what I need.

SPEAKER_05: 1:03:50

And it's a convenience, but my issue is that my retort to what you're saying as far as the the balance between good and bad is that the people that are using it for good intentions don't have military equipment at their disposal. They don't know. They don't have swarm drones, they don't have explosives, they don't have to be.

Mark Jones: 1:04:14

No, but what I'm saying is you're you're you're saying that there aren't people that are in high power that are doing good with it.

SPEAKER_05: 1:04:21

I have to I think that the higher up the power structure that you climb, the less good people you find.

SPEAKER_07: 1:04:26

1000%.

SPEAKER_05: 1:04:27

I and that's that's evident in every business. For example, like CEOs, for example, like they are inclined to be narcissistic, to be less empathetic, or I think the ones that are get publicized, I think the ones that we know about, but there are far more people in power than we even know.

Mark Jones: 1:04:42

Well, yeah, of course. Yeah, and that's my concern.

SPEAKER_05: 1:04:46

Like that is the the crux of my concern is that there are people that long before this tech was in place, had nukes where we only had guns. So there's a disproportionate power. Ultimately, I look at the people with the guns as ants, and I am the human with Andrew. You know, like I am not worried about the ants because I can literally spray you with poison. And you're okay.

Mark Jones: 1:05:10

So let me prompt you guys this. If that is the case and eventually somebody's gonna use this for nefarious reasons, which we know that that's the case, would you not rather be the person that at least knows about it, how to use it, how to possibly defend, or the person that just is totally oblivious to it? I would let's say against it and unwilling to use it. So therefore, when it does actually happen, you have no idea what's going on.

SPEAKER_05: 1:05:37

It's always valuable to know your enemy. That's right. There you go. 100%. But yeah, that doesn't mean that you just go along with it. You know, pushback resistance, like historically throughout time, has always been, I think, the key element to preserving that balance of humanity. Not really. Because well, no, think about it though. Like if everyone was just a pushover, human nature has always been to enslave. Like if you look back at the dawn of time to today, there is still human slavery in place all over the place. And I argue that we're even slaves, we're just a different version of slaves. We're tax cattle, you know, there's there's a lot of comforts and things that were given so that we don't revolt, so we don't resist. It's like the bread and circus in Rome. I just am concerned that we don't have the ability to restrict the nefarious. We don't have the ability to defend against it, and we don't have the ability. There's machine factories right now that can pump out hundreds and thousands of drones a month. And all you'd have to do is just take a small little charge. I mean, look how complex what they do with these things are how.

Mark Jones: 1:06:38

You're about to go with the the hypothetical extreme stuff.

SPEAKER_03: 1:06:41

Well, but again, so before we do figure out what's on topic, I mean, I think AI is today's version of the internet of the 90s, right? Okay. Eventually you're all gonna use it in some shape, way, or form. I love using it so that I can better understand it and maybe hit heart strings, I don't care. It's so I understand like how to navigate this with my children. Yeah, right. Yeah, like they are coming into an age where, like, I was honestly, like this morning on the drive-in, taking my daughter to school, she was really pissed off where they're they had this, they had this whole thing in Texas history where they wrote a letter as you were one of the defendants of the the Alamo. You were one of the Alamo defenders, right? She wrote it from her brain, and she wrote it from watching movies and you know, watching, I don't know, National Geographic, Smithsonian type things, and understanding how people spoke and wrote at that time, and she got second place. The girl that got first place used AI and it pisses her off so bad because the girl admitted that she got it, that she used it, right? So I think it's a good that shouldn't be crazy. I'll agree with that wholeheartedly. It's bullshit, right?

SPEAKER_07: 1:07:45

What are we teaching our children?

SPEAKER_05: 1:07:46

Safeguard against that, right?

SPEAKER_03: 1:07:48

But like for where I want to use it and I want to understand it forwards, backwards, or you know, turnaround, whatever. I want to understand all 360 degrees of AI. It's good, it's bad. You know, I want to know what you can use it for good, what how you can use it for we're saying nefarious reasons. So I want to use it and I want to understand it.

Mark Jones: 1:08:07

So there are, and this kind of goes hand in hand with what I'm talking about with Matt. Yeah, is for those that are let's call it cheating, because I don't even think that she should have been able to use it and no one and no one knew it until the voting was over.

SPEAKER_03: 1:08:24

And then she goes, chat GPT, and the teacher's like, Well, shit, man.

Mark Jones: 1:08:28

Yeah, immediately boom, and now teachers have to adapt to that content.

SPEAKER_03: 1:08:32

And that's it, too. And that's even like the university professors are being less subject matter experts, one thousand. But more being like, Can I sniff out AI? Yes, like that's what's crazy.

Mark Jones: 1:08:44

So that's that's that's what I'm getting to is relations, yeah, kind of to what you're talking about for those that are cheating. They now have AI that you throw in whatever they gave you and say, is this AI? Yeah. Yes, it is. No, it's not. Yeah, they can AI can detect AI. AI.

SPEAKER_03: 1:09:03

Yeah, absolutely. The code that's in or there.

Mark Jones: 1:09:05

Now they're just having to pick up different trades or different tasks, but now they're letting go of these tasks that it took them plenty of time to go and research. That's right, find the data, et cetera. And this is from a teacher's perspective. The kids, come on now. Come on, yeah.

SPEAKER_05: 1:09:21

But from an education perspective, did that first place student actually retain any of the information? Probably not. No, no, but I can't tell you zero.

Mark Jones: 1:09:28

Here's a bigger point. Do they need to? Yes. Yes, that's the whole point of an education.

SPEAKER_05: 1:09:32

Like that's what learning is all about.

Mark Jones: 1:09:35

I believe and beg to differ. I believe that going to school should be learning how to interact with people, how to solve problems, how to discover yourself and your abilities, how to get adversity. Information has already been proven. It's at our fingertips. I don't need to know certain things unless I am conversing with someone and it needs to be, I'm being quizzed. Because at the end of the day, if I didn't know, I'd go, hold on. Okay, yeah, let's talk about it now that I have perspective and the actual accurate facts. Our memory tends to play tricks on us. Oh, yeah. The things that you think you know, you probably don't know. And I've been victim of this many times where I'm like, yeah, the FHA limit is blah, blah, blah, blah, blah.

SPEAKER_06: 1:10:20

Oh, yeah.

Mark Jones: 1:10:20

Nope. You were still spouting off last year's dummy. That's right. Right?

SPEAKER_06: 1:10:24

Yeah.

Mark Jones: 1:10:25

But had I took a moment and not been so confident in what I know and went, yeah, that's this. Now I'm giving you real data versus I know everything. I don't have to know everything. I think I now need to know where to go for everything. I think I need to know where and who to go to, but I think that's always been the case. Always. I mean, our smartest people end up becoming an Elon or going working for a company and being put into a corner or left at home because they don't know how to interact with people well. That's right. The people that interact with people well, we're the ones that keep the lights on. We're the loan officers. You're the producers. That's kind of what I'm getting to.

SPEAKER_05: 1:11:10

Right. But sales is kind of in a lot of ways a dying profession with the younger generation because they don't interact with one another. Well, they don't, they don't talk to each other. Like my son, he's got a loft, he's got freaking virtual reality, he's got like, I would have killed for the setup my son has, and he never has anyone over. Like I would have had all of my boys over. Like we would have had an own pad, we would have had our own place to go and do stuff and hang out and have fun. And and I tell him, I'm like, you can have your friends over anytime. He's like, oh no, you we'll just get on Discord together and wow. And whereas we were dragging TVs around with our Xboxes and then cables so that we could all as a community play in the same play station. No, we'd have like different rooms with like four people in each room or per TV. Like that's what we were doing. Yes. And this was pre-Xbox.

SPEAKER_03: 1:12:00

Mario Kart outside.

SPEAKER_07: 1:12:02

We had to make the TVs.

SPEAKER_03: 1:12:03

We had to make our own stuff. I'll leave my point. Like I'll leave my side of the point with this. Like, where I do agree there are some really evil doers that are high up in the chain of command that have control of AI. Every country has them. We need ours too. Equally believe, like you do, there are really good people that are there to make sure that this doesn't create a robot to come destroy us all. But those are the folks that are in the shadows now. I think you see more, you see more of the nefarious evil people out in the light for what they are. But I believe that the goodness is kind of like Batman. They're hanging out in the shadows. They show up when you need them. I believe, I believe that that is real. I do, because we we have to have those that safeguard us. But I also think that if you refuse, my my grandfather and my wife's grandfather both said that computers and the internet were a fad. Yeah. Like, why in God's name would you go and buy a compact computer for$3,500 and spend$25 a month on an internet, you know, telephone package? Yeah, yeah. For AOL, right? I believe that if you refuse to adopt it in some fashion of your life, and again, it could be the simplest of like, hey, help me like find out how to make my day the operate the most efficiently, to it's gonna do everything for me. You have to adopt it because if you don't jump on the train, you're gonna get left behind. Like that's my last thing that I'll say. Like in this business, if you're not going to adopt a piece of it, again, not the whole thing. Yeah, you have to adapt and you have to, you have to adapt and overcome. You have to. And for those that refuse to use it, I'll see you at your next gig, whatever that is. That's right. I would love to build you a home. We uh Meredith Homes love to build and sell you home. I love it.

Mark Jones: 1:13:38

So final question, final question, and it's just one word answer. After this discussion, Matt, are you gonna stop using AI? No, Tommy? Absolutely not. Bree.

SPEAKER_07: 1:13:47

I don't use it.

Mark Jones: 1:13:48

Okay. Different question. Are you gonna start using AI?

SPEAKER_07: 1:13:52

Maybe.

SPEAKER_04: 1:13:52

Okay.

Mark Jones: 1:13:53

Hey, that's better. If you don't think it's discretionary companies will build it in, you're gonna have to use it whether you like it or not. I do, I believe that. So you're saying there's a chance. Uh guys, gals out there, first off, thank you guys for joining me for this discussion. It's it's tough to talk about something that we still don't fully quite understand, very opinionated and very perspective oriented because we all use it in different ways or not use it yet, or are thinking of ways to use it while we're even having this discussion. But for those of you out there, I think we all prove today that artificial intelligence is here to stay and to continue to grow. And uh if you are in one of the brackets that we discussed today, that it is at risk of losing your current position, your tasks that you do, I think the best advice I can tell you is start learning it yourself so that you can teach the other how to use it and then make yourself a little bit more valuable in that way. Because I believe that uh certain things can be replaced by artificial intelligence, and it's gonna take many longer than others to actually replace it or to adopt this, this, this premise of a new technology, new feature, new employee, so to speak, too many businesses. But when the time comes that it does, again, we don't walk into the Apple store and ask for last year's model, it's always moving forward. So, my advice to you is get in there, start playing around with AI, some form of it, utilize it to make your business more efficient, but use caution. Uh, that's all I got. Guys, again, thank you. Thank you for this. Absolutely. We will catch you guys on the next.

SPEAKER_00: 1:15:43

At the end of every day, look at yourself in the mirror and ask, did I get better today? Monday, get better. Tuesday, get better. Wednesday, get better. If you do that for five years, ten years, fifteen years, how much better will you be? Are you getting better every single day? That's the real question. And it all comes down to taking small steps. You don't have to accomplish everything in one day or even one week. Just focus on getting a little better every single day.