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Market InsightsFargo Factor2 min readAugust 27, 2026

Judd Hoffman on Fargo Talks

Charlie Muir
Charlie Muir

Head of Growth, Ethica AI

The operator and the host

On Fargo Talks, host Jeff Fargo sat down with Ethica AI CEO Judd Hoffman for a full conversation about AI and the work of real estate professionals.

Judd leads Ethica, an AI transaction assistant built for real estate agents. Before founding the company he spent more than two decades in title and real estate operations, including running large organizations inside the industry he is now building for.

Jeff has spent his career in and around real estate in Las Vegas, and the two have known each other for over a decade. That shows: this is a conversation between people who have worked the same industry from different sides, not an interview.

They cover the pace of change, why real estate tends to be last to adopt new technology, what the transaction actually asks of an agent, and where AI fits into that work.

This is the full episode, presented as it happened.

Ethica is a free member benefit through the CALIFORNIA ASSOCIATION OF REALTORS®, which made an investment of member dues to make it available with no separate fee for supported C.A.R. forms and eSignature.

Quick Takes

What is Fargo Talks?

A Las Vegas based real estate and entrepreneurship podcast hosted by Jeff Fargo, covering the industry and the people working in it.

Is Ethica free for C.A.R. members?

Yes. Ethica is a free member benefit through the CALIFORNIA ASSOCIATION OF REALTORS®, with no separate fee for supported C.A.R. forms and eSignature.

Sources

  1. Fargo Talks: Will AI Replace Real Estate Agents?: The full episode of Fargo Talks with host Jeff Fargo and Ethica AI CEO Judd Hoffman, published 20 August 2026, running fifty-six minutes.
Charlie Muir

Charlie Muir

Head of Growth, Ethica AI

Charlie Muir is Head of Growth at Ethica AI. He has led growth at four companies, including ListReports, acquired by MBS Highway, GetDigsy, and Lawn Love, a Y Combinator S14 company acquired by LawnStarter.

Fargo Factor

Ethica CEO Judd Hoffman on Fargo Talks with Jeff Fargo, on what AI actually changes for the people doing the work in real estate.