Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Ladies and gentlemen. I want to welcome into the program,
Rob Kittle. You hear me talk about him oftentimes, really
every day for almost over ten years on the show.
He's been one of our sponsors. But he's also a
smart fella, and I wanted to bring him in. In the
world of real estate last week when I heard we
heard recently that the interest rates were a dropping, I thought, well,
(00:21):
I wonder what that's going to do to the housing market.
People have been holding off maybe looking at a home
because they were afraid of those higher interest rates. We
got used to those really low ones. So let's bring
him in, Rob, Robkittle dot com. Rob, good morning, sir,
welcome in.
Speaker 2 (00:34):
Yeah, well, thanks for having me.
Speaker 1 (00:36):
Well let's just start with that. I've got some friends
that would say, you married the house and you only
date or kind of hang out with the raid. You
can change the rate later. Does this rate drop do
anything people now getting interested in looking at the houses,
or had it even slowed down?
Speaker 2 (00:53):
Well, it did slow down. The summer was a pretty
slow summer. People were anticipating that rate drop, hearing about
it on the news and sitting on the fence. Why
would I go ahead and pull the trigger and buy
a home now when I know that rates are going
to come down in September and possibly again in December.
But the rate drop did help. We are seeing an
uptick and showing activity and contracts coming in, so it's
(01:18):
starting the movement. It's not quite in full force. I
think that the election, you know, people are nervous about
that obviously, and that's going to be an impact. So
I think once the election is over and the rate
drop again in December and we start January, February, March,
we're going to see a really strong spring or beginning
of spring with a lot of buyers that have been
(01:38):
sitting on the fence are going to get into the market.
Speaker 1 (01:41):
We heard about for a long time that Colorado was
some inventory was not necessarily where it should be. House.
The inventory of houses in Colorado right now are there enough?
Are we're needing more listings? What's going on?
Speaker 2 (01:55):
Yeah, it's been creeping up just because homes are taking
longer to sell and they're not selling as quickly as
they used to in past years, so there is a
little bit more inventory. Builders have a lot of inventory
as well as the resale market. I mean, is it
is a lack of inventory in a certain regard, just
because a lot of sellers aren't selling anymore. They do
have that two and a half to three and a
(02:15):
half percent interest rate, so they're holding on to their homes.
They're not going to be, you know, selling, So in general,
there is you know that homes are taken longer to sell,
so you do have more time to go shopping, whereas
you know several years ago, if you didn't make an
offer in the first hour that you saw, it would
be gone. So so buyers do have a little bit
more time to shop.
Speaker 1 (02:35):
So you got those guys, those people out there with
two and a half to three and a half interest rates,
and maybe they want to move, they've considered, want to upsize,
one to downsize, but they're afraid to do so because
they can't beat that interest rate. Do you run into that?
Is there any kind of a wisdom and you know
you want to do something, but you're afraid to do
it because they're going to cost you more to do
it than what you thought it was going to cost
(02:56):
you to do it.
Speaker 2 (02:58):
Yeah, well said, so, yeah, there's you know the ability
to you know, like like you had mentioned earlier, you know,
date the date, the rate, marry the home, you know,
the next three months four months. I'm letting all buyers
know to hurry up and buy because, like I mentioned earlier,
when everyone floods the market in that January February March,
(03:18):
once the rates have come down, you know, they're going
to be you know, it's going to be a very
strong seller's market again. You know that we're going to
see a lot more multiple offers in February, March April
than we've seen in the last several years. So I'm
telling every buyer right now, don't wait, you know, don't
wait till that rate drops. Go ahead and get them
into the market now. Before that, we're going to see
(03:39):
an appreciation spike happening because of the competition that buyers
are going to be experiencing here in the you know,
in the early spring, So you know, hurry up and buy.
You know, you could wait until December, but I wouldn't
wait until January because it's going to be it's going
to be fast and furious. Like I said, election is
going to be over, people are going to have market
confidence again, and rates are going to be low. So
(04:00):
you know, don't wait until rates get down. You know,
you know, marry that home now and date the rate
and you'll be able to refinance in April when when
rates are even lower.
Speaker 1 (04:10):
The voice of Rob Kittles websites robkittle dot com. You
mentioned an appreciation spike. That leads me to my next question. Uh, Traditionally,
those of us who are homeowners in Colorado have really
seen the great appreciation over even in short periods of time,
home values have really gone up. And maybe if your
people are selling like I want to, don't want to
(04:30):
sell right now because my appreciation has gone back down.
Where home values at and how much have they dropped
and what kind of spike do you anticipate?
Speaker 2 (04:41):
Yeah, great question. So the you know, the appreciation spike
I'm talking about is a result of there being you know,
three pretty flat years. So two years ago, two to
three years ago, there was six point eight million sales
in the United States. This past year there is only
three point eight million sales. So the just the volume
of homes selling have really come down. And so home
(05:04):
prices really haven't gone down, depending on the price point
of home and location, but they've stayed relatively flat. When
we have twelve to fifteen percent appreciation that's pretty unhealthy,
and so we had to correct for that, and so
we've had some pretty flat years. Normally in northern Colorado
or you know, a healthy appreciation is in that four
(05:24):
to six percent range. We've been in that hovering in
the zero to one percent range. So you know, I
would expect once rates comes down to a healthy rate
and our appreciation will be back up to a healthy
rate of that four to six percent window. So that's
what I would anticipate here in the next year or two.
Speaker 1 (05:42):
One of the problems that people constantly you hear, maybe
you hear it, I've heard a lot, is that first
time home buyers there's not a lot of entry points
in Colorado, especially in the areas where maybe they work,
in the more populated areas, just because the cost of
homes is so high. Part of the contry direction defects
laws that prevent people from building certain types of condos.
(06:04):
Do you see any help on the horizon for the
first time home buyer that maybe get has been priced
out of the column of market.
Speaker 2 (06:12):
Well, there are a lot of really good first time
home buyer lender programs, you know, so, and a lot
of builders are offering you know, a fantastic entry rate
to you be able to have an incentive to buy
in their community. So you know, a lot of the
new constructions that Dear Horton they offer a four point
ninety nine percent interest rate, which you can't get anywhere else,
(06:35):
and that does help with that entry level. But you know,
there's also the old drive that you qualify theory as well,
that you know, if you want to be in Four
Columns or Boulder, it's going to be pretty expensive. But
if you're willing to be on the outlying communities, there's
special loan programs and it gets much more affordable. So
you know, your first home isn't going to be your
(06:55):
dream home. Just get the foot, get your foot in
the door, buy something, and then you know, four or
five years later, you build up some equity and then
you're able to get the home and location that you
really want.
Speaker 1 (07:06):
Is as we what are we in September? Heading in
towards October? Some people listing at home say, well, I
want to sell. Maybe it's a good time to sell,
but I don't want to have people coming in my
house looking at homes over the Christmas season Holiday's family.
Is this even a good time to even consider listing
or should people wait till the spring. What are the
(07:26):
pros and the cons of either buying and or selling
a home this time of year, heading towards the final
quarter of the final three months of the year.
Speaker 2 (07:35):
Well, that's my favorite question. You know, if you're buying
and selling at the same time. You know, some people
want to sell at the very top of the market,
and so they're going to wait and tell the spring
to do so. But that also means that if they're
buying at the same time, they're also buying at the
top of the market. So the best way to do
it is to be able to, you know, to buy
when the market's low, which is in that October November
(07:56):
December window, and then sell in the peak you know,
at February March April. But most people, you know, don't
have that ability to do that because it's just you know,
you have to buy and sell at the same time.
You need somewhere to live. So so I'm uh work
with home Light and they have a buy now, sell later, program,
So that program is my favorite. We're coming up on
(08:17):
my favorite time of year, which I call the cake
and eat it too, because you get to buy now
in that October November, December window and then sell in
February March April. So you know, so if you're interested
in finding out more about the buy now sell later program,
you know, definitely reach out to me and then that
way you could have your cake and eat it to
buy when the market's a little lower and sell when
(08:39):
it's at its peak.
Speaker 1 (08:41):
Rob Kindle my guests his website. By the way, robkintl
dot com. Rob, we obviously have a listening area. And
I know you sell homes all over said, I've seen
your home today. You're signing greatly. I've seen it in
Fort Collins, I've seen it in Ereie, I've seen I've
seen it all over you you'll sell, you sell houses
and you get your results. Are there areas that you
find have different issues or or hotter or less or
(09:05):
I mean, do you give is there different advice for
people buying or selling? And let's say for columns and
let's say in Longbot, is there are we that segmented
or is it pretty much the same situation everywhere?
Speaker 2 (09:19):
Yeah? I mean obviously there's little pockets and price points
that have different economic pressures. I mean, sometimes a builder
in the area has unlimited supply of inventory, and so
that might impact a community from really being able to
appreciate when you're competing with a build, a big builder.
But in general, you know, the northern Colorida market is
you know, still very desirable. The anticipated growth here is
(09:43):
you know, off the charts, and so it's a great
place to live, a great place to buy. And you
know the best time to have bought is yesterday. So
you know, don't wait for home prices to come down.
I've heard that a lot of people are waiting for
home prices to come down and they just didn't, you know,
So you know, so don't don't wait, you know, hurry
up and get into this market because like I said,
(10:05):
it's about about to take off. And get in as
soon as you can.
Speaker 1 (10:09):
I have heard people say that it can't sustain itself,
the Colorado real estate market. It's just too high. The
prices are going to come down. And I said, you know,
I always heard that. I spent a little bit of
time in California. I always heard that about California, and
it never happened. There is that going to happen here?
Is it? You just alluded that it's not? And but
people like they did in California, think it's going to
(10:31):
come down. We can't sustain this level of pricing. But
what do you think, Well.
Speaker 2 (10:35):
When you live in a desirable area, it you know,
people people like to live here. I mean, we're the
population here is going you know, nothing but up, so
you know, and the builders aren't getting be able to
supply all the housing for the amount of people. And
that's what drives prices up, is supply and demand. And
the demand has been solid. I mean, I've been selling
real estate for twenty five years, and you know, I mean,
(10:56):
it went down a little bit in two thousand and
seven and eight, but real estate prices have not gone
down two years in a row but twice in history,
the Great Depression in two thousand and seven and eight.
So if it does go down, it might be a
fraction of a percent, but it's you know, going to
quickly absorb that and go up. So I mean, it's
(11:16):
just very unlikely that we're going to see any downturn
of this market at any point in time. It hasn't
hasn't done so in one hundred years, but twice. So
I think that history is a good predictor of the future.
Speaker 1 (11:30):
All right, Rob Kittle my guest, and we were going
to run short on time here, but I'm a will
to do this summary here. I had him on just
to talk about that interest rate change, and Rob again
give us kind of the six month prognostication, where we're
at now and where you see us going. I know
you started here, but let's end there, just to kind
of give people this window of what we can see
in the market, what we can see with the interest
(11:51):
rate and buying and selling during the next let's say, five, six,
seven months. Yeah.
Speaker 2 (11:56):
Yeah, if you're thinking about buying, you know, I would
go ahead and you know, hurry up and and do
so in the next three months. And you know, if
you're selling and not going to buy, then I would
wait until the first part of the year. But again,
the buy now, sell later program is the best way
to have your cake. You need it too, where you
get to buy here in the next three months and
then sell when the market's picking up for sellers in
(12:19):
that February March April windows. So that's really the headline
here is you know most people do need to when
they're selling, they need to buy, and so that would
be the program that I would highly recommend. Like I said,
this is my favorite time of year for doing so.
Speaker 1 (12:34):
And you said you believe the rates are going to
come down again in December. Should people be waiting around
for that and just waiting or or are they wasting
time if they're just waiting on a rate cut.
Speaker 2 (12:46):
Well, again, I think that if you were to buy
any time between now and the first of the year,
you know your rate is not as important because you
know you're going to be able to refinance that again
in April. Those are kind of the September, December and
April are the times that they're supposed to be making
those cuts. And they're not going to be large cuts.
(13:07):
You know this. This past week they reduced it by
fifty basis points, which is not a ton, and they're
going to slowly lower the rates. It's not going to
be a drastic drop. So you know, go ahead and
jump in at any time and then refinance in April
when rates are lowered.
Speaker 1 (13:23):
All right, Rob Kittle, I talk about you every day.
Appreciate you just hopping on the program. If if folks
want to reach you, I know they can go to
your website Kittle real Estate or Robkittle dot com and
phone number I always give them ninety seven zero get sold.
Do you have a better one?
Speaker 2 (13:38):
My personal sell is nine seven zero six nine zero
four nine two zeros to reach me directly, Rob Kittle.
Speaker 1 (13:45):
It's a pleasure, my friend. Appreciate you hopping on and
the information. Thank you very much. Just wanted to get
everybody up to speed there robkittl dot com, and he
just gave you his personal cell phone and I'll get
this interview posted up on my website here in just
a few moments for your listening pleasure to review again
and again. Rob Kittle dot com. All right,
Ladies and gentlemen. I want to welcome into the program,
Rob Kittle. You hear me talk about him oftentimes, really
every day for almost over ten years on the show.
He's been one of our sponsors. But he's also a
smart fella, and I wanted to bring him in. In the
world of real estate last week when I heard we
heard recently that the interest rates were a dropping, I thought, well,
(00:21):
I wonder what that's going to do to the housing market.
People have been holding off maybe looking at a home
because they were afraid of those higher interest rates. We
got used to those really low ones. So let's bring
him in, Rob, Robkittle dot com. Rob, good morning, sir,
welcome in.
Speaker 2 (00:34):
Yeah, well, thanks for having me.
Speaker 1 (00:36):
Well let's just start with that. I've got some friends
that would say, you married the house and you only
date or kind of hang out with the raid. You
can change the rate later. Does this rate drop do
anything people now getting interested in looking at the houses,
or had it even slowed down?
Speaker 2 (00:53):
Well, it did slow down. The summer was a pretty
slow summer. People were anticipating that rate drop, hearing about
it on the news and sitting on the fence. Why
would I go ahead and pull the trigger and buy
a home now when I know that rates are going
to come down in September and possibly again in December.
But the rate drop did help. We are seeing an
uptick and showing activity and contracts coming in, so it's
(01:18):
starting the movement. It's not quite in full force. I
think that the election, you know, people are nervous about
that obviously, and that's going to be an impact. So
I think once the election is over and the rate
drop again in December and we start January, February, March,
we're going to see a really strong spring or beginning
of spring with a lot of buyers that have been
(01:38):
sitting on the fence are going to get into the market.
Speaker 1 (01:41):
We heard about for a long time that Colorado was
some inventory was not necessarily where it should be. House.
The inventory of houses in Colorado right now are there enough?
Are we're needing more listings? What's going on?
Speaker 2 (01:55):
Yeah, it's been creeping up just because homes are taking
longer to sell and they're not selling as quickly as
they used to in past years, so there is a
little bit more inventory. Builders have a lot of inventory
as well as the resale market. I mean, is it
is a lack of inventory in a certain regard, just
because a lot of sellers aren't selling anymore. They do
have that two and a half to three and a
(02:15):
half percent interest rate, so they're holding on to their homes.
They're not going to be, you know, selling, So in general,
there is you know that homes are taken longer to sell,
so you do have more time to go shopping, whereas
you know several years ago, if you didn't make an
offer in the first hour that you saw, it would
be gone. So so buyers do have a little bit
more time to shop.
Speaker 1 (02:35):
So you got those guys, those people out there with
two and a half to three and a half interest rates,
and maybe they want to move, they've considered, want to upsize,
one to downsize, but they're afraid to do so because
they can't beat that interest rate. Do you run into that?
Is there any kind of a wisdom and you know
you want to do something, but you're afraid to do
it because they're going to cost you more to do
it than what you thought it was going to cost
(02:56):
you to do it.
Speaker 2 (02:58):
Yeah, well said, so, yeah, there's you know the ability
to you know, like like you had mentioned earlier, you know,
date the date, the rate, marry the home, you know,
the next three months four months. I'm letting all buyers
know to hurry up and buy because, like I mentioned earlier,
when everyone floods the market in that January February March,
(03:18):
once the rates have come down, you know, they're going
to be you know, it's going to be a very
strong seller's market again. You know that we're going to
see a lot more multiple offers in February, March April
than we've seen in the last several years. So I'm
telling every buyer right now, don't wait, you know, don't
wait till that rate drops. Go ahead and get them
into the market now. Before that, we're going to see
(03:39):
an appreciation spike happening because of the competition that buyers
are going to be experiencing here in the you know,
in the early spring, So you know, hurry up and buy.
You know, you could wait until December, but I wouldn't
wait until January because it's going to be it's going
to be fast and furious. Like I said, election is
going to be over, people are going to have market
confidence again, and rates are going to be low. So
(04:00):
you know, don't wait until rates get down. You know,
you know, marry that home now and date the rate
and you'll be able to refinance in April when when
rates are even lower.
Speaker 1 (04:10):
The voice of Rob Kittles websites robkittle dot com. You
mentioned an appreciation spike. That leads me to my next question. Uh, Traditionally,
those of us who are homeowners in Colorado have really
seen the great appreciation over even in short periods of time,
home values have really gone up. And maybe if your
people are selling like I want to, don't want to
(04:30):
sell right now because my appreciation has gone back down.
Where home values at and how much have they dropped
and what kind of spike do you anticipate?
Speaker 2 (04:41):
Yeah, great question. So the you know, the appreciation spike
I'm talking about is a result of there being you know,
three pretty flat years. So two years ago, two to
three years ago, there was six point eight million sales
in the United States. This past year there is only
three point eight million sales. So the just the volume
of homes selling have really come down. And so home
(05:04):
prices really haven't gone down, depending on the price point
of home and location, but they've stayed relatively flat. When
we have twelve to fifteen percent appreciation that's pretty unhealthy,
and so we had to correct for that, and so
we've had some pretty flat years. Normally in northern Colorado
or you know, a healthy appreciation is in that four
(05:24):
to six percent range. We've been in that hovering in
the zero to one percent range. So you know, I
would expect once rates comes down to a healthy rate
and our appreciation will be back up to a healthy
rate of that four to six percent window. So that's
what I would anticipate here in the next year or two.
Speaker 1 (05:42):
One of the problems that people constantly you hear, maybe
you hear it, I've heard a lot, is that first
time home buyers there's not a lot of entry points
in Colorado, especially in the areas where maybe they work,
in the more populated areas, just because the cost of
homes is so high. Part of the contry direction defects
laws that prevent people from building certain types of condos.
(06:04):
Do you see any help on the horizon for the
first time home buyer that maybe get has been priced
out of the column of market.
Speaker 2 (06:12):
Well, there are a lot of really good first time
home buyer lender programs, you know, so, and a lot
of builders are offering you know, a fantastic entry rate
to you be able to have an incentive to buy
in their community. So you know, a lot of the
new constructions that Dear Horton they offer a four point
ninety nine percent interest rate, which you can't get anywhere else,
(06:35):
and that does help with that entry level. But you know,
there's also the old drive that you qualify theory as well,
that you know, if you want to be in Four
Columns or Boulder, it's going to be pretty expensive. But
if you're willing to be on the outlying communities, there's
special loan programs and it gets much more affordable. So
you know, your first home isn't going to be your
(06:55):
dream home. Just get the foot, get your foot in
the door, buy something, and then you know, four or
five years later, you build up some equity and then
you're able to get the home and location that you
really want.
Speaker 1 (07:06):
Is as we what are we in September? Heading in
towards October? Some people listing at home say, well, I
want to sell. Maybe it's a good time to sell,
but I don't want to have people coming in my
house looking at homes over the Christmas season Holiday's family.
Is this even a good time to even consider listing
or should people wait till the spring. What are the
(07:26):
pros and the cons of either buying and or selling
a home this time of year, heading towards the final
quarter of the final three months of the year.
Speaker 2 (07:35):
Well, that's my favorite question. You know, if you're buying
and selling at the same time. You know, some people
want to sell at the very top of the market,
and so they're going to wait and tell the spring
to do so. But that also means that if they're
buying at the same time, they're also buying at the
top of the market. So the best way to do
it is to be able to, you know, to buy
when the market's low, which is in that October November
(07:56):
December window, and then sell in the peak you know,
at February March April. But most people, you know, don't
have that ability to do that because it's just you know,
you have to buy and sell at the same time.
You need somewhere to live. So so I'm uh work
with home Light and they have a buy now, sell later, program,
So that program is my favorite. We're coming up on
(08:17):
my favorite time of year, which I call the cake
and eat it too, because you get to buy now
in that October November, December window and then sell in
February March April. So you know, so if you're interested
in finding out more about the buy now sell later program,
you know, definitely reach out to me and then that
way you could have your cake and eat it to
buy when the market's a little lower and sell when
(08:39):
it's at its peak.
Speaker 1 (08:41):
Rob Kindle my guests his website. By the way, robkintl
dot com. Rob, we obviously have a listening area. And
I know you sell homes all over said, I've seen
your home today. You're signing greatly. I've seen it in
Fort Collins, I've seen it in Ereie, I've seen I've
seen it all over you you'll sell, you sell houses
and you get your results. Are there areas that you
find have different issues or or hotter or less or
(09:05):
I mean, do you give is there different advice for
people buying or selling? And let's say for columns and
let's say in Longbot, is there are we that segmented
or is it pretty much the same situation everywhere?
Speaker 2 (09:19):
Yeah? I mean obviously there's little pockets and price points
that have different economic pressures. I mean, sometimes a builder
in the area has unlimited supply of inventory, and so
that might impact a community from really being able to
appreciate when you're competing with a build, a big builder.
But in general, you know, the northern Colorida market is
you know, still very desirable. The anticipated growth here is
(09:43):
you know, off the charts, and so it's a great
place to live, a great place to buy. And you
know the best time to have bought is yesterday. So
you know, don't wait for home prices to come down.
I've heard that a lot of people are waiting for
home prices to come down and they just didn't, you know,
So you know, so don't don't wait, you know, hurry
up and get into this market because like I said,
(10:05):
it's about about to take off. And get in as
soon as you can.
Speaker 1 (10:09):
I have heard people say that it can't sustain itself,
the Colorado real estate market. It's just too high. The
prices are going to come down. And I said, you know,
I always heard that. I spent a little bit of
time in California. I always heard that about California, and
it never happened. There is that going to happen here?
Is it? You just alluded that it's not? And but
people like they did in California, think it's going to
(10:31):
come down. We can't sustain this level of pricing. But
what do you think, Well.
Speaker 2 (10:35):
When you live in a desirable area, it you know,
people people like to live here. I mean, we're the
population here is going you know, nothing but up, so
you know, and the builders aren't getting be able to
supply all the housing for the amount of people. And
that's what drives prices up, is supply and demand. And
the demand has been solid. I mean, I've been selling
real estate for twenty five years, and you know, I mean,
(10:56):
it went down a little bit in two thousand and
seven and eight, but real estate prices have not gone
down two years in a row but twice in history,
the Great Depression in two thousand and seven and eight.
So if it does go down, it might be a
fraction of a percent, but it's you know, going to
quickly absorb that and go up. So I mean, it's
(11:16):
just very unlikely that we're going to see any downturn
of this market at any point in time. It hasn't
hasn't done so in one hundred years, but twice. So
I think that history is a good predictor of the future.
Speaker 1 (11:30):
All right, Rob Kittle my guest, and we were going
to run short on time here, but I'm a will
to do this summary here. I had him on just
to talk about that interest rate change, and Rob again
give us kind of the six month prognostication, where we're
at now and where you see us going. I know
you started here, but let's end there, just to kind
of give people this window of what we can see
in the market, what we can see with the interest
(11:51):
rate and buying and selling during the next let's say, five, six,
seven months. Yeah.
Speaker 2 (11:56):
Yeah, if you're thinking about buying, you know, I would
go ahead and you know, hurry up and and do
so in the next three months. And you know, if
you're selling and not going to buy, then I would
wait until the first part of the year. But again,
the buy now, sell later program is the best way
to have your cake. You need it too, where you
get to buy here in the next three months and
then sell when the market's picking up for sellers in
(12:19):
that February March April windows. So that's really the headline
here is you know most people do need to when
they're selling, they need to buy, and so that would
be the program that I would highly recommend. Like I said,
this is my favorite time of year for doing so.
Speaker 1 (12:34):
And you said you believe the rates are going to
come down again in December. Should people be waiting around
for that and just waiting or or are they wasting
time if they're just waiting on a rate cut.
Speaker 2 (12:46):
Well, again, I think that if you were to buy
any time between now and the first of the year,
you know your rate is not as important because you
know you're going to be able to refinance that again
in April. Those are kind of the September, December and
April are the times that they're supposed to be making
those cuts. And they're not going to be large cuts.
(13:07):
You know this. This past week they reduced it by
fifty basis points, which is not a ton, and they're
going to slowly lower the rates. It's not going to
be a drastic drop. So you know, go ahead and
jump in at any time and then refinance in April
when rates are lowered.
Speaker 1 (13:23):
All right, Rob Kittle, I talk about you every day.
Appreciate you just hopping on the program. If if folks
want to reach you, I know they can go to
your website Kittle real Estate or Robkittle dot com and
phone number I always give them ninety seven zero get sold.
Do you have a better one?
Speaker 2 (13:38):
My personal sell is nine seven zero six nine zero
four nine two zeros to reach me directly, Rob Kittle.
Speaker 1 (13:45):
It's a pleasure, my friend. Appreciate you hopping on and
the information. Thank you very much. Just wanted to get
everybody up to speed there robkittl dot com, and he
just gave you his personal cell phone and I'll get
this interview posted up on my website here in just
a few moments for your listening pleasure to review again
and again. Rob Kittle dot com. All right,
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