Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
For the second week in a row. I am not
Gusty Googliss. I am Brad Smith with a cross country mortgage,
and I've got John Michael Brandon with me again from
the Gusty Goulist group. John Michael, how are you, buddy?
Speaker 2 (00:10):
Doing good? How are you doing well?
Speaker 1 (00:13):
Gusty is out for the second week. He has assured
us he will be back next week, pending anything else
that may happen. But uh, he's still recovering well from
his hip replacement surgery. And so John Michael and I
will be bringing you the show again on this lovely cold,
bitter Sunday morning. It's a bitter cold. It's not a
bitter Sunday, it's it It.
Speaker 2 (00:32):
Says feels like eight outside. That's what the news said.
Speaker 1 (00:34):
Yeah, all right, you know, I know there's people that
go all from all the country and travel and everything,
but you know, we're just not ready. We're not prepared
for this. We had we just know this morning. Yeah,
I mean, the flurries were so light. My nine year
old didn't even get excited. That's that's how that's how
little it was that we could see. He was like,
I don't even see anything, almost like a ashes from
(00:56):
a fire pit, looked in the neighborhood or something.
Speaker 2 (00:58):
It was a but uh.
Speaker 1 (01:00):
Anyways, so John Michael and I will bring you the
show today.
Speaker 2 (01:03):
We'll get going.
Speaker 1 (01:05):
We'll start off with going through some new listings and
coming soons, playing the mortgage game, and then we will
kind of bring you some market updates that I'm sending
the mortgage side, some of the things that John Michaels
seen maybe on the real estate side, and just kind
of see what else is going on and just kind
of play it by here from there. So we've got
a we've got a handful of listings and coming soon
as today, so we're gonna jump right into that while
(01:29):
John Michael's pulling that up. I will always remind you
that if you ever need any needs or have any
listings or a house you think about listing, or maybe
you're looking to buy, do not hesitate to go to
the gustigulisgroup dot com to get some information. You can
get all kinds of tools and resources there, also pick
up the phone. Feel free to reach out to them
at two zero five five four two one six. John
(01:52):
Michael or you do you have your listings ready for
your side yeah, okay, real quick, I'll go through the
mortgage rules of the game that we will play between
John Mounts and John Michael this week. So we get
a we get a little repeat match up from last week,
John the Johns, the Battle of the Johns.
Speaker 3 (02:08):
You spell yours with an h Yeah, okay, so Battle
of John's.
Speaker 1 (02:13):
Something about the Battle of John's just made. We may
need to tweak the name of that somehow. Kind of
sounds like the Bible, yeah yeah, yeah, or or something
else something from Breaking Bad. Uh, I don't know anyways,
so uh we will just jump right in now. So
the mortage game, John michaelill give us a listing or
a coming soon and the list price of that property.
I will give a potential down payment to that a
(02:34):
bar or may or may not make on that property.
They will then guess the thirty year fixed principal and
interest monthly payment. This was just the principal and interest.
We will not be worried about the scrouge with the
homeowners insurance or taxes or any mortgage insurance. So again,
we've got five to go over today. John Michael, you
(02:55):
are what you got first on your list.
Speaker 4 (02:58):
Let's see. Yeah, we have five right now. And so
this first one is interesting. It's a three bedroom, one
bath addresses forty one ten forty third Avenue North. The
list price twenty five thousand dollars. Like I said, it's
a three to one on forty third Avenue, listed by
Tony McDaniels, and it is active, just hit the market
(03:23):
this week. Must do it. And so if you're interested
in that and give it, give us a call. Do
you know if we want to finance that one or
if this is.
Speaker 2 (03:32):
A cash deal.
Speaker 1 (03:33):
Yeah, I mean, you know we could with something we
can look at, something we can look at.
Speaker 2 (03:37):
So have you financed something?
Speaker 1 (03:39):
So so there's we can there's no minimum loan amount,
but it just becomes starts becoming difficult depending on some
of the stuff for like your higher price mortgage and
high cost and stuff to make sure that the fees
don't overdo stuff. So it can be some challenges. But
we definitely have some some options that can do stuff
on the lower long amounts to thirty years, you know,
(04:00):
because this because a lot of times when we have
a twenty five thousand dollars one, it's a lot. Only
this actually has a structure on it. So I have
this is on a thirty year fixed with twenty five percent.
Speaker 3 (04:11):
Down, twenty five percent down.
Speaker 1 (04:13):
Twenty five percent down, twenty five thousand our purchase price?
Speaker 3 (04:17):
Could you make it twenty percent out of to be
a lot easier to do the math on that.
Speaker 1 (04:20):
Oh no, that's why I didn't know. It's close enough.
It's easy enough, all right, So to get started, I'll
tell you what, John Mounts, you get to go first,
of course, a producer. And since John Michael's having to
read them and this is not him on one last
and this is not his day job like it is Gusties, Well.
Speaker 3 (04:39):
It's not my day job either. So well you're.
Speaker 1 (04:42):
Here more more a weekly basis than John Michaels twenty
five thousand dollars thirty year fixed, twenty five percent down,
which so.
Speaker 3 (04:50):
That's going to be like it'd be like this we're
really financing like seventeen thousand ish over thirty years.
Speaker 2 (05:00):
Would it be? Would it be easier if we said
I don't.
Speaker 3 (05:02):
Care, I don't care, it doesn't matter, I don't know. Okay,
this is gonna be something crazy number like I don't know,
like a one hundred dollars.
Speaker 1 (05:13):
John Mounts in for one hundred John Michael Brannan, what you.
Speaker 2 (05:15):
Got, I'd say it's going to be like eighty five.
Speaker 1 (05:20):
The actually to the actual payment was one hundred and
twenty three dollars.
Speaker 2 (05:24):
A lot of.
Speaker 1 (05:25):
Interest, a lot of interest. John Mountins gets round one.
Speaker 3 (05:30):
It would be in the real world. I feel like
nobody would finance this over thirty years.
Speaker 1 (05:34):
No no, no, no, no no no, no, probably not, but
I mean we could, but you could. It's a pretty phoretically.
We'll get into the other properties here in a second,
but let's be honest. Also, we have all kinds of
different options. You can go to Brad Smith Loans dot com,
Brad Smith at Cross Country Mortgage. The you know a
(05:54):
house like that also you know a lot of times
and I don't know the property, but they may need
some work or some rehab been some stuff done. I
mean for twenty five thousand dollars, you can kind of think.
So we have good rehab loans too.
Speaker 3 (06:05):
So it could be you you finance it for thirty
years knowing you're going to flip it and sell it
in a couple of years, so you don't want to
pay much down.
Speaker 2 (06:11):
That or you like the area.
Speaker 1 (06:12):
There's some good bones to it, and you decide you
want to buy it, and you want to put seventy
five thousand dollars into the house, and we do it,
you know, at FHO two or three K or some
kind of homestyle renovation loan, and then you fix the
house up yourself and you live in it, and you're
still getting a good deal because you've gotten a good
area and you're still lower cost in there. So there's
a bunch, there's some options there, so we can discuss it.
I know that's a little different because again when we
(06:33):
get twenty five thousand, a lot of times it has
been a lot or something else. Gusty's kind of slid in.
This is an actual home and so so and it's
a really it's a cute home and it's a pretty
cool lot. So check it out, John Michael, What is
next on the list?
Speaker 4 (06:48):
The next one is listed by Yours Truly in Midfield
one twelve ninth Street. It's a three bedroom, one bath
list price is ninety two thousand, five hundred And we
actually had this one out on the game last week. Yeah,
so we could we could either play it or we
have some other listing.
Speaker 1 (07:08):
I wish, I say my notes, Yeah, no, Well, you know,
and the thing about it is I may be using
a different down payment this time, so it could be
a challenged. It's going to go through it, Johnny. Maybe
it just run through it again so everybody can hear
it again, and we'll just do a three bedroom.
Speaker 2 (07:22):
One bath at one.
Speaker 4 (07:24):
It's the addresses one twelve ninth Street, Midfield list prices
ninety two thousand, five hundred. It's a great first time
home for home buyers or a good investment. Property is
recently rented for fourteen forty per month, and so if
people are one of the crunch numbers, that's something to consider.
Hold that number in the back of your mind as
we play the game now, because we're going to do
(07:45):
this one at three percent down, three percent down on
the purchase of ninety two five, John, Michael, you get
to go first on this payment.
Speaker 2 (07:52):
Oh Man, three percent down? Is it.
Speaker 3 (08:03):
For?
Speaker 2 (08:04):
It's gonna be the way he said, is it?
Speaker 1 (08:06):
I feel like it's gonna be a very specific number.
Speaker 5 (08:13):
Eight seventy five that it wouldn't matter John, what you got.
And this is a thirty year fix, right, thirty year fixed,
three percent down, ninety two thousand, five hundred.
Speaker 3 (08:25):
It seems a little high for me. I'm thinking this
is somewhere around seven hundred.
Speaker 1 (08:32):
Well, you were right on going lower, but the actual
payment was five hundred and ninety dollars. Five hundred and
ninety dollars, John mount you get round two.
Speaker 3 (08:40):
So really neither of us got it, but I was
closer to.
Speaker 1 (08:42):
The Yeah, yeah, yeah, they were both pretty high. The
price is right, yeap, price is right, all right. Number
three on the list, John Michael, uh, which and why
he's pulling that up with some printer issues today, So
he's trying to pull these on his phone and so
by the time we get through one round, it's going
to sleep and he's trying to zoom in and read.
So bear with us as we had some internet connectivity
(09:02):
issues earlier.
Speaker 4 (09:04):
So we have another listing. It's a townhouse on Cress
Green Road. The addresses sixty one sixty three, Birmingham, Alabama.
It's a two bedroom, one and a half bath town
home listed by Jonathan Weaver, and the list price is
one hundred and twelve thousand dollars.
Speaker 1 (09:20):
One twelve, one twelve Okay, five percent down, John Mounts
were back to you five percent down purchase price of
one hundred and twelve thousand dollars. Thirty you're fixed?
Speaker 3 (09:30):
How much done? Five percent?
Speaker 2 (09:32):
Five percent?
Speaker 3 (09:33):
Okay, So I'm going to say somewhere around eight hundred dollars.
Speaker 1 (09:43):
John mounts in for eight hundred dollars, and.
Speaker 4 (09:47):
The other one was like five hundred five ninety three
percent down at nine and tinety two five.
Speaker 1 (09:53):
This is one twelve and five percent down. And how
much did he say? Eight hundred? I do seven ninety five,
seven ninety five. It was seven hundred, So he had
completely just go under you. I was sitting there going like, John,
just go with the same one you did in the
last round. Yeah, seven hundred would have been right on it,
all right. So it's two to one. It's two to one.
(10:13):
We're getting down to round four, Round four, John Michael.
Speaker 4 (10:18):
Yeah, okay. So we have another listing that's coming soon.
It's in Irondale. The address is seven thirty pine View Road,
three bedroom, two bath. The list price is three seventy
nine to nine and it is listed by Riley Wood Riley,
He's got it. Three seventy nine nine, three seventy nine nine.
(10:39):
We're gonna put ten percent down, ten percent down. The
loan amounts are getting higher, guys, means the payments.
Speaker 1 (10:44):
Are going up. What you got, who's it to now?
John Michael oh Man, Yeah, John Michael goes first. Yeah,
John Michael. Round four to you, three seventy nine, nine
ten percent down.
Speaker 2 (10:57):
Okay, this one's gonna be a.
Speaker 3 (11:00):
Lot more than the twenty five thousand dollars.
Speaker 4 (11:02):
Right, I'm gonna say.
Speaker 1 (11:08):
The down payment on this one's more than the twenty
five thousand. I'm gonna say twenty six hundred, twenty.
Speaker 3 (11:17):
Six hundred sounds about the front. Saint Mary, I was
thinking I'm gonna go a little. I'll go twenty four.
Speaker 1 (11:25):
Hundred, twenty four hundred. The actual payment was two thy,
two hundred and forty six dollars. John gets round four.
All right, last listing or coming soon, John Michael. This
is for you. Know that the last round is always
worth three points. So John Mounts is up three, John Michael.
John Michael's at one. Still he can make a steal here.
Speaker 4 (11:48):
Okay, we have another listing coming soon in Irondale. The
address is thirty eight seventy nine Maggie's Place. It's a
five bedroom, three and a half bath. The list price
is four hundred and seven twenty five thousand dollars and
it is listed by Riley Wood, so he's got he's
got a listings. It's in Iron Down Grand Smell Crossing,
(12:09):
So it's a great neighborhood. I've been out there a
lot showing showing buyers, and uh, it is coming soon
and it'll be.
Speaker 2 (12:18):
Active this coming Thursday. Nice.
Speaker 1 (12:20):
All right, we've got the battle of the Johns over
Maggie's place. So here we go back.
Speaker 3 (12:25):
To you, back to me. What's the percent four to
seventy five?
Speaker 2 (12:30):
Five percent down?
Speaker 3 (12:31):
Five percent down? So that's like twenty two ish, Dan,
So for okay, so I'm gonna say about I don't know,
thirty one hundred, thirty one hundred.
Speaker 4 (12:41):
And then the other one was twenty two hundred and
three seventy nine, and he said thirty one hundred.
Speaker 2 (12:50):
Seventy nine.
Speaker 4 (12:53):
Well, that's a good guess, John, go lower or higher.
I'll say three thousand and fifty.
Speaker 1 (13:03):
John, what did you say?
Speaker 2 (13:05):
Thirty one hundred? It's two thousand, nine hundred and sixty four.
Speaker 3 (13:09):
Wait, wait, did you go John?
Speaker 1 (13:10):
Michael wanted? He went low, He went fifty lower. That's
what I couldn't That's what I couldn't remember what he said.
Speaker 2 (13:15):
I remember what I Oh good? How much was I remember?
Speaker 1 (13:18):
Uh? The actual payment was two thousand, nine hundred and
sixty four dollars. So y'all are y'all were all over it, y'all,
We're on y'all, We're on top of it, all right.
So John Michael gets the thirty point final round. John
johns is going to the most properties, gets the most properties.
Speaker 3 (13:32):
How about that only chance I'd ever have to win?
Speaker 1 (13:33):
I know I had, well you got, I know, but
after you know, I've tried to try to keep a
little suspense.
Speaker 3 (13:37):
And I get it, and you know, he's our guest
and we want to try and you know, have some hospitality.
Speaker 1 (13:41):
And unlike a lot of shows and game, I just
changed the rules as we got.
Speaker 3 (13:46):
Can I phone a friend?
Speaker 1 (13:47):
You could phone anybody? Call Gus's moving around all right.
So now, uh so that was fun. John Michael, You've
got a couple of buyers needs you want to go
over for the group again. If any of those coming
sons are listings interest you always you can go to
gogolsgroup dot com. Also, feel free to reach out with
them at two zero five five four two one night
nine six, John Michael, what you got for some buyer
(14:08):
needs may be out there.
Speaker 4 (14:10):
Yeah, we have a VIP buyer need looking in the
Hoover of Bluff Park Mountain Brook area. Price range up
to four hundred thousand. We're looking for a single level home,
so single level, single family home. Graham is working with
this buyer looking for it. So if y'all have a
house or know anybody that's looking to move, please give
(14:31):
us a call. Also, we have Riley basically has the
same buyer need Bluff Park under four hundred thousand. So
it looks like Graham and Riley are both in the.
Speaker 1 (14:45):
Same kind of house, maybe a little different areas where
you've got one kind of more down to eighty oh
TM kind of in that those areas and going on
that way, one little more Bluff Parking a little more specific,
but similar similar properties.
Speaker 2 (14:56):
Yeah.
Speaker 4 (14:56):
And then we have another buyer need looking at the
Indian Spring Pelham area four or five bedroom preferred on
an acre flat lot price range under six point fifty preferred.
And we also have another buyer need and east Lake.
We're looking for a three bedroom, two bath price ranges
(15:17):
one hundred and seventy five thousand and Alita is working
with these buyers looking to at the puzzle pieces together.
Speaker 1 (15:24):
If you if you're listening and you have a property
like one of these that you've been thinking about maybe
selling or looking into, or you know someone that is,
please feel free to reach out to them directly. Also,
you can go again go to Gutsy gilsgrip dot com
two zero five five four two six. Guess what time
it is.
Speaker 3 (15:46):
It's testimonial time.
Speaker 1 (15:49):
Okay, we're gonna do this a little different day since
I'm hosting for the second week. I'm gonna read one
of one of my loan officers and also of my wife,
Michelle Smith, who works with the Cross Country Mortgage. This
is her five star review. Michelle made the mortgage process
smooth and easy for us. We had no issues and
we're ready to close as soon as our house closed
on the sale. I only wish our buyer had used
her because he had several issues which held up our closing.
(16:13):
I'd recommend Michelle to anyone so as you can see
it all matters and Michelle, congratulations.
Speaker 3 (16:19):
On another five star review.
Speaker 1 (16:23):
Okay, real quick, before we go to break, John Michael,
did y'all have some folks that this week, go into
contract get contracts in.
Speaker 2 (16:30):
Yeah, we did.
Speaker 1 (16:31):
We'll go through that real quick. I know they I
know the team has been active this week. It has
been a cold week, but they've been getting after it.
Contracts have been coming in. From what I can tell,
John Michael kind of give us who all got them
some contracts this week.
Speaker 4 (16:41):
Yeah, it just shows that the market's still hart, still hot.
So we're going to give a shout out to Walker,
Kyle TJ had two contracts and Riley and Riley sounds
like he's staying pretty busy. So shout out to those
guys getting contracts this week.
Speaker 1 (16:58):
Let's keep them coming. Hopefully I can be on the list. Yes,
we get We'll have you on here next week. I'm sure, yeah, sure,
all right, all right, Well we're gonna go to break,
come back with our final segment. We'll have a little
bit of time left and kind of go back to
what we're seeing in the market kind of what's going
on with rates and what we're seeing on some of
that stuff, and we will be back shortly with the Bought,
Borrowed and Sold. Welcome back to Bolt, Borrowed and Sold.
(17:25):
I am Brad Smith from cross Country mortgage. I am
filling in for Gusty today. He is still out with
his recovering well from his hip replacement surgery. We hope
to have him back next week. So but for today
it is again me, myself, John Michael Brandon, and John Mountain.
John Michaels. Sister's actually here with us, and she's hanging
(17:45):
out in the corner. She she refuses to take a
mic or put on a headset, so she's Christian's back
there hanging out watching, watching how how all this works
back here. So, now that we're back, one thing I
wanted to kind of go through a little bit market update,
so you know, one of the things everybody's looking at
and constantly the question is what's going on mortgage rates?
(18:07):
What's going on mortgage rates? And a lot of times
you know, it's it's it's one of those Okay, you
try to stay surface level for a lot just because
it makes sense, and it really is. It doesn't do
a ton of moving, but I think it does surprise
people when I tell that, you know, it moves throughout
the day. I mean it is intra day trading, It
is constantly moving. It is just it moves. It's it's
(18:28):
a bond, it's a treasury, it's it moves in the
markets like with the stocks market moves. It's the same thing.
And so with that, any news that we get, whether
it's from the Fed or any kind of inflation numbers
or employment numbers, and there's these big reports that usually
come out weekly or bi weekly, and there's larger ones
that come out at the end of the month can
kind of influence and change the markets. And mortgage rates, well,
(18:52):
we've had a pretty good couple of weeks where we're
we're kind of settling back into the mid upper sixes
on the thirty year fixed rate, and so so you know,
one of the things that we're looking at, there's there's
some there's some larger inflation numbers coming out into the month,
I think February twenty next Friday, February twenty eighth, and
then and so what we're trying to kind of, you know,
(19:12):
everybody's trying to figure out, is like, Okay, if we
get a good inflation number, mortgage rates come down, but
then we get a weird employment number and then and
so it's kind of weird, what what kind of triggers it?
So I constantly have these conversations when we're preapproving people
and then once then once they get under contract, is
you know you have the option to you know, we
(19:34):
don't need lock for thirty days, but you can lock
for forty five days your rate once once we decide
you find a property, all right, let's let's price it out.
And so a lot of times people are saying we'll
shut I go ahead and lock in now, and that
that's probably the main question I get where it's like
a very loaded question because everybody is so different, and
so one thing I just want to talk about real
quick is like it once you start the home buying process,
(19:57):
be kind of thinking like, okay, this is this is
where I want my payment to be.
Speaker 2 (20:02):
And then.
Speaker 1 (20:04):
How much would it influence your your decisions on buying
a house or not if it moves, if the payment's
going to go up twenty five thirty forty fifty sixty
dollars or down twenty thirty forty fifty sixty seventy dollars,
just by what about the interest rate may change Because
if you call and get pre approved today and decide,
you know, you don't want to do some kind of
floating lock or whatever on it that's not attached to
(20:24):
a property. But if you call a day and you
get pre approved and you're like, well, hey, what are
mortgage rates today, And I say, you know, they're X,
y Z, and and then you go looking for a house.
By the time you find something, get under contract, and
you come back under contract and you know, five days,
two days a week, three weeks month down the road,
that might not be the mortage anymore, right, So I
mean it could have moved, you know, twenty times since
(20:45):
the last time we talked, and it could be for
the good, it could be for the bad. So even
then though, once you under contract you do not have
to lock it. But I think I think the main
thing you need to make sure you're asking the right
questions when you're talking to your mortgage person. If you're
you know, if you're if you call me again and
you can go to Bradsmith loons dot com myself one
number three three four three two nine nine two nine
you when you're having these conversations, you need to know
(21:06):
your What I do is when I get that question,
a lot of times I kind of break out what
could happen?
Speaker 2 (21:12):
Good or bad? Okay?
Speaker 1 (21:13):
So, like, is the payment already where you want it, Okay,
So then why are we floating it if the rates
are already good enough, Well, what if they drop an
eighth and my payment drops twenty it would be twenty
five dollars lower. Well, okay, what if we wait and
it goes up a quarter and your payment's fifty dollars higher?
And so everybody, but I can't tell you how you
should handle that because everybody's got a different, you know,
kind of different you know, risk tolerances.
Speaker 4 (21:36):
You know.
Speaker 1 (21:36):
Some people just want to say, hey, listen, I'll ride
this thing just to see if I can get the
lowest rate possible. I don't care if it goes up.
And some say I don't want it. I'm fine with that.
I don't care what I need to do. I want
to lock it in right now because even if it
goes down, I couldn't care less. I'm happy with that.
But if it goes up, it may keep me from
buying the house. And so these are the conversations you
need to have and make sure you're you know, you
know what's going on. Don't let your mortgage person steer
(21:59):
you to do one of the other. Have a conversation
with them, you make it, and then you make the
informed decision once they've laid it all out and ate
and given you the things. That's one of the things
I do. I can't make that decision for you to
lock or not. All right now to pivot real quick,
I'm gonna pitch it back to John Michael. One of
the things that you know, we're getting in the spring
by and season, and people start thinking, Okay, should I
list my house? What are some things that I maybe
(22:20):
should do to my house before I list it, before
I even call realter. Well, we've got a couple of
minutes left, John Michael. What are some some ideas or
some quick things, easy things you might you can do
yourself or should be looking at when you're kind of
getting ready to have a realter come look at your
house or get it ready to be listed so that
you can maximize the way it's going to show and
maximize your value of your home.
Speaker 2 (22:40):
Yeah.
Speaker 4 (22:40):
Absolutely, And it's really going to be case by case,
depending on the seller's situation. And so we'll come in
there and do a pre consultation, an appointment, get a
tour of your home. And so there are a couple
of different things that we would suggest the easiest and
obvious one is probably start out with a deep clean.
You know, just nothing worse than looking at a house
(23:03):
that's messy, even though a lot of buyers kind of
to try to look past the furniture if it doesn't
really fit the house and they're kind of looking at
the bones of the house.
Speaker 2 (23:11):
Some other things we talk about is.
Speaker 1 (23:14):
In the smell of that too, Seriously, I mean the
smell can be a big dictator too. So what's another one?
Maybe one thing? We got another about another minute, if
you got ether thing you want to touch.
Speaker 2 (23:22):
We talk about paint.
Speaker 4 (23:24):
Yes, if you know, if the house is lime green
color in one of the kids rooms, we'll take it
to a neutral color or paint allowance. So those are
two different options to to uh display to the buyers.
Speaker 1 (23:36):
Those are you quick and easy and you can get
somebody to do it for pretty cheap or you can
do tho some of those things yourself. So that's that
makes that makes perfect sense. All right, guys, we have
wrapping up another show. We hope to have Gusty back
with us next week. Again, if you need to go
see some realters to get in touch with the Gusty
Guliz Group. You can go to Gustygullisgroup dot com. Also
reach out to him ATWO zero five five or two
nineteen ninety six. Thank you John Mountain, John Michael Brandon
(23:56):
for helping me out today cover for Gusty again. I
am bred at Smith Across Country Mortgage. You can always
find me at Bradsmith Loans dot com or on myself
on at three three four three two nine nine nine
two nine. Y'all have a great rest of your weekend.
For the second week in a row. I am not
Gusty Googliss. I am Brad Smith with a cross country mortgage,
and I've got John Michael Brandon with me again from
the Gusty Goulist group. John Michael, how are you, buddy?
Speaker 2 (00:10):
Doing good? How are you doing well?
Speaker 1 (00:13):
Gusty is out for the second week. He has assured
us he will be back next week, pending anything else
that may happen. But uh, he's still recovering well from
his hip replacement surgery. And so John Michael and I
will be bringing you the show again on this lovely cold,
bitter Sunday morning. It's a bitter cold. It's not a
bitter Sunday, it's it It.
Speaker 2 (00:32):
Says feels like eight outside. That's what the news said.
Speaker 1 (00:34):
Yeah, all right, you know, I know there's people that
go all from all the country and travel and everything,
but you know, we're just not ready. We're not prepared
for this. We had we just know this morning. Yeah,
I mean, the flurries were so light. My nine year
old didn't even get excited. That's that's how that's how
little it was that we could see. He was like,
I don't even see anything, almost like a ashes from
(00:56):
a fire pit, looked in the neighborhood or something.
Speaker 2 (00:58):
It was a but uh.
Speaker 1 (01:00):
Anyways, so John Michael and I will bring you the
show today.
Speaker 2 (01:03):
We'll get going.
Speaker 1 (01:05):
We'll start off with going through some new listings and
coming soons, playing the mortgage game, and then we will
kind of bring you some market updates that I'm sending
the mortgage side, some of the things that John Michaels
seen maybe on the real estate side, and just kind
of see what else is going on and just kind
of play it by here from there. So we've got
a we've got a handful of listings and coming soon
as today, so we're gonna jump right into that while
(01:29):
John Michael's pulling that up. I will always remind you
that if you ever need any needs or have any
listings or a house you think about listing, or maybe
you're looking to buy, do not hesitate to go to
the gustigulisgroup dot com to get some information. You can
get all kinds of tools and resources there, also pick
up the phone. Feel free to reach out to them
at two zero five five four two one six. John
(01:52):
Michael or you do you have your listings ready for
your side yeah, okay, real quick, I'll go through the
mortgage rules of the game that we will play between
John Mounts and John Michael this week. So we get
a we get a little repeat match up from last week,
John the Johns, the Battle of the Johns.
Speaker 3 (02:08):
You spell yours with an h Yeah, okay, so Battle
of John's.
Speaker 1 (02:13):
Something about the Battle of John's just made. We may
need to tweak the name of that somehow. Kind of
sounds like the Bible, yeah yeah, yeah, or or something
else something from Breaking Bad. Uh, I don't know anyways,
so uh we will just jump right in now. So
the mortage game, John michaelill give us a listing or
a coming soon and the list price of that property.
I will give a potential down payment to that a
(02:34):
bar or may or may not make on that property.
They will then guess the thirty year fixed principal and
interest monthly payment. This was just the principal and interest.
We will not be worried about the scrouge with the
homeowners insurance or taxes or any mortgage insurance. So again,
we've got five to go over today. John Michael, you
(02:55):
are what you got first on your list.
Speaker 4 (02:58):
Let's see. Yeah, we have five right now. And so
this first one is interesting. It's a three bedroom, one
bath addresses forty one ten forty third Avenue North. The
list price twenty five thousand dollars. Like I said, it's
a three to one on forty third Avenue, listed by
Tony McDaniels, and it is active, just hit the market
(03:23):
this week. Must do it. And so if you're interested
in that and give it, give us a call. Do
you know if we want to finance that one or
if this is.
Speaker 2 (03:32):
A cash deal.
Speaker 1 (03:33):
Yeah, I mean, you know we could with something we
can look at, something we can look at.
Speaker 2 (03:37):
So have you financed something?
Speaker 1 (03:39):
So so there's we can there's no minimum loan amount,
but it just becomes starts becoming difficult depending on some
of the stuff for like your higher price mortgage and
high cost and stuff to make sure that the fees
don't overdo stuff. So it can be some challenges. But
we definitely have some some options that can do stuff
on the lower long amounts to thirty years, you know,
(04:00):
because this because a lot of times when we have
a twenty five thousand dollars one, it's a lot. Only
this actually has a structure on it. So I have
this is on a thirty year fixed with twenty five percent.
Speaker 3 (04:11):
Down, twenty five percent down.
Speaker 1 (04:13):
Twenty five percent down, twenty five thousand our purchase price?
Speaker 3 (04:17):
Could you make it twenty percent out of to be
a lot easier to do the math on that.
Speaker 1 (04:20):
Oh no, that's why I didn't know. It's close enough.
It's easy enough, all right, So to get started, I'll
tell you what, John Mounts, you get to go first,
of course, a producer. And since John Michael's having to
read them and this is not him on one last
and this is not his day job like it is Gusties, Well.
Speaker 3 (04:39):
It's not my day job either. So well you're.
Speaker 1 (04:42):
Here more more a weekly basis than John Michaels twenty
five thousand dollars thirty year fixed, twenty five percent down,
which so.
Speaker 3 (04:50):
That's going to be like it'd be like this we're
really financing like seventeen thousand ish over thirty years.
Speaker 2 (05:00):
Would it be? Would it be easier if we said
I don't.
Speaker 3 (05:02):
Care, I don't care, it doesn't matter, I don't know. Okay,
this is gonna be something crazy number like I don't know,
like a one hundred dollars.
Speaker 1 (05:13):
John Mounts in for one hundred John Michael Brannan, what you.
Speaker 2 (05:15):
Got, I'd say it's going to be like eighty five.
Speaker 1 (05:20):
The actually to the actual payment was one hundred and
twenty three dollars.
Speaker 2 (05:24):
A lot of.
Speaker 1 (05:25):
Interest, a lot of interest. John Mountins gets round one.
Speaker 3 (05:30):
It would be in the real world. I feel like
nobody would finance this over thirty years.
Speaker 1 (05:34):
No no, no, no, no no no, no, probably not, but
I mean we could, but you could. It's a pretty phoretically.
We'll get into the other properties here in a second,
but let's be honest. Also, we have all kinds of
different options. You can go to Brad Smith Loans dot com,
Brad Smith at Cross Country Mortgage. The you know a
(05:54):
house like that also you know a lot of times
and I don't know the property, but they may need
some work or some rehab been some stuff done. I
mean for twenty five thousand dollars, you can kind of think.
So we have good rehab loans too.
Speaker 3 (06:05):
So it could be you you finance it for thirty
years knowing you're going to flip it and sell it
in a couple of years, so you don't want to
pay much down.
Speaker 2 (06:11):
That or you like the area.
Speaker 1 (06:12):
There's some good bones to it, and you decide you
want to buy it, and you want to put seventy
five thousand dollars into the house, and we do it,
you know, at FHO two or three K or some
kind of homestyle renovation loan, and then you fix the
house up yourself and you live in it, and you're
still getting a good deal because you've gotten a good
area and you're still lower cost in there. So there's
a bunch, there's some options there, so we can discuss it.
I know that's a little different because again when we
(06:33):
get twenty five thousand, a lot of times it has
been a lot or something else. Gusty's kind of slid in.
This is an actual home and so so and it's
a really it's a cute home and it's a pretty
cool lot. So check it out, John Michael, What is
next on the list?
Speaker 4 (06:48):
The next one is listed by Yours Truly in Midfield
one twelve ninth Street. It's a three bedroom, one bath
list price is ninety two thousand, five hundred And we
actually had this one out on the game last week. Yeah,
so we could we could either play it or we
have some other listing.
Speaker 1 (07:08):
I wish, I say my notes, Yeah, no, Well, you know,
and the thing about it is I may be using
a different down payment this time, so it could be
a challenged. It's going to go through it, Johnny. Maybe
it just run through it again so everybody can hear
it again, and we'll just do a three bedroom.
Speaker 2 (07:22):
One bath at one.
Speaker 4 (07:24):
It's the addresses one twelve ninth Street, Midfield list prices
ninety two thousand, five hundred. It's a great first time
home for home buyers or a good investment. Property is
recently rented for fourteen forty per month, and so if
people are one of the crunch numbers, that's something to consider.
Hold that number in the back of your mind as
we play the game now, because we're going to do
(07:45):
this one at three percent down, three percent down on
the purchase of ninety two five, John, Michael, you get
to go first on this payment.
Speaker 2 (07:52):
Oh Man, three percent down? Is it.
Speaker 3 (08:03):
For?
Speaker 2 (08:04):
It's gonna be the way he said, is it?
Speaker 1 (08:06):
I feel like it's gonna be a very specific number.
Speaker 5 (08:13):
Eight seventy five that it wouldn't matter John, what you got.
And this is a thirty year fix, right, thirty year fixed,
three percent down, ninety two thousand, five hundred.
Speaker 3 (08:25):
It seems a little high for me. I'm thinking this
is somewhere around seven hundred.
Speaker 1 (08:32):
Well, you were right on going lower, but the actual
payment was five hundred and ninety dollars. Five hundred and
ninety dollars, John mount you get round two.
Speaker 3 (08:40):
So really neither of us got it, but I was
closer to.
Speaker 1 (08:42):
The Yeah, yeah, yeah, they were both pretty high. The
price is right, yeap, price is right, all right. Number
three on the list, John Michael, uh, which and why
he's pulling that up with some printer issues today, So
he's trying to pull these on his phone and so
by the time we get through one round, it's going
to sleep and he's trying to zoom in and read.
So bear with us as we had some internet connectivity
(09:02):
issues earlier.
Speaker 4 (09:04):
So we have another listing. It's a townhouse on Cress
Green Road. The addresses sixty one sixty three, Birmingham, Alabama.
It's a two bedroom, one and a half bath town
home listed by Jonathan Weaver, and the list price is
one hundred and twelve thousand dollars.
Speaker 1 (09:20):
One twelve, one twelve Okay, five percent down, John Mounts
were back to you five percent down purchase price of
one hundred and twelve thousand dollars. Thirty you're fixed?
Speaker 3 (09:30):
How much done? Five percent?
Speaker 2 (09:32):
Five percent?
Speaker 3 (09:33):
Okay, So I'm going to say somewhere around eight hundred dollars.
Speaker 1 (09:43):
John mounts in for eight hundred dollars, and.
Speaker 4 (09:47):
The other one was like five hundred five ninety three
percent down at nine and tinety two five.
Speaker 1 (09:53):
This is one twelve and five percent down. And how
much did he say? Eight hundred? I do seven ninety five,
seven ninety five. It was seven hundred, So he had
completely just go under you. I was sitting there going like, John,
just go with the same one you did in the
last round. Yeah, seven hundred would have been right on it,
all right. So it's two to one. It's two to one.
(10:13):
We're getting down to round four, Round four, John Michael.
Speaker 4 (10:18):
Yeah, okay. So we have another listing that's coming soon.
It's in Irondale. The address is seven thirty pine View Road,
three bedroom, two bath. The list price is three seventy
nine to nine and it is listed by Riley Wood Riley,
He's got it. Three seventy nine nine, three seventy nine nine.
(10:39):
We're gonna put ten percent down, ten percent down. The
loan amounts are getting higher, guys, means the payments.
Speaker 1 (10:44):
Are going up. What you got, who's it to now?
John Michael oh Man, Yeah, John Michael goes first. Yeah,
John Michael. Round four to you, three seventy nine, nine
ten percent down.
Speaker 2 (10:57):
Okay, this one's gonna be a.
Speaker 3 (11:00):
Lot more than the twenty five thousand dollars.
Speaker 4 (11:02):
Right, I'm gonna say.
Speaker 1 (11:08):
The down payment on this one's more than the twenty
five thousand. I'm gonna say twenty six hundred, twenty.
Speaker 3 (11:17):
Six hundred sounds about the front. Saint Mary, I was
thinking I'm gonna go a little. I'll go twenty four.
Speaker 1 (11:25):
Hundred, twenty four hundred. The actual payment was two thy,
two hundred and forty six dollars. John gets round four.
All right, last listing or coming soon, John Michael. This
is for you. Know that the last round is always
worth three points. So John Mounts is up three, John Michael.
John Michael's at one. Still he can make a steal here.
Speaker 4 (11:48):
Okay, we have another listing coming soon in Irondale. The
address is thirty eight seventy nine Maggie's Place. It's a
five bedroom, three and a half bath. The list price
is four hundred and seven twenty five thousand dollars and
it is listed by Riley Wood, so he's got he's
got a listings. It's in Iron Down Grand Smell Crossing,
(12:09):
So it's a great neighborhood. I've been out there a
lot showing showing buyers, and uh, it is coming soon
and it'll be.
Speaker 2 (12:18):
Active this coming Thursday. Nice.
Speaker 1 (12:20):
All right, we've got the battle of the Johns over
Maggie's place. So here we go back.
Speaker 3 (12:25):
To you, back to me. What's the percent four to
seventy five?
Speaker 2 (12:30):
Five percent down?
Speaker 3 (12:31):
Five percent down? So that's like twenty two ish, Dan,
So for okay, so I'm gonna say about I don't know,
thirty one hundred, thirty one hundred.
Speaker 4 (12:41):
And then the other one was twenty two hundred and
three seventy nine, and he said thirty one hundred.
Speaker 2 (12:50):
Seventy nine.
Speaker 4 (12:53):
Well, that's a good guess, John, go lower or higher.
I'll say three thousand and fifty.
Speaker 1 (13:03):
John, what did you say?
Speaker 2 (13:05):
Thirty one hundred? It's two thousand, nine hundred and sixty four.
Speaker 3 (13:09):
Wait, wait, did you go John?
Speaker 1 (13:10):
Michael wanted? He went low, He went fifty lower. That's
what I couldn't That's what I couldn't remember what he said.
Speaker 2 (13:15):
I remember what I Oh good? How much was I remember?
Speaker 1 (13:18):
Uh? The actual payment was two thousand, nine hundred and
sixty four dollars. So y'all are y'all were all over it, y'all,
We're on y'all, We're on top of it, all right.
So John Michael gets the thirty point final round. John
johns is going to the most properties, gets the most properties.
Speaker 3 (13:32):
How about that only chance I'd ever have to win?
Speaker 1 (13:33):
I know I had, well you got, I know, but
after you know, I've tried to try to keep a
little suspense.
Speaker 3 (13:37):
And I get it, and you know, he's our guest
and we want to try and you know, have some hospitality.
Speaker 1 (13:41):
And unlike a lot of shows and game, I just
changed the rules as we got.
Speaker 3 (13:46):
Can I phone a friend?
Speaker 1 (13:47):
You could phone anybody? Call Gus's moving around all right.
So now, uh so that was fun. John Michael, You've
got a couple of buyers needs you want to go
over for the group again. If any of those coming
sons are listings interest you always you can go to
gogolsgroup dot com. Also, feel free to reach out with
them at two zero five five four two one night
nine six, John Michael, what you got for some buyer
(14:08):
needs may be out there.
Speaker 4 (14:10):
Yeah, we have a VIP buyer need looking in the
Hoover of Bluff Park Mountain Brook area. Price range up
to four hundred thousand. We're looking for a single level home,
so single level, single family home. Graham is working with
this buyer looking for it. So if y'all have a
house or know anybody that's looking to move, please give
(14:31):
us a call. Also, we have Riley basically has the
same buyer need Bluff Park under four hundred thousand. So
it looks like Graham and Riley are both in the.
Speaker 1 (14:45):
Same kind of house, maybe a little different areas where
you've got one kind of more down to eighty oh
TM kind of in that those areas and going on
that way, one little more Bluff Parking a little more specific,
but similar similar properties.
Speaker 2 (14:56):
Yeah.
Speaker 4 (14:56):
And then we have another buyer need looking at the
Indian Spring Pelham area four or five bedroom preferred on
an acre flat lot price range under six point fifty preferred.
And we also have another buyer need and east Lake.
We're looking for a three bedroom, two bath price ranges
(15:17):
one hundred and seventy five thousand and Alita is working
with these buyers looking to at the puzzle pieces together.
Speaker 1 (15:24):
If you if you're listening and you have a property
like one of these that you've been thinking about maybe
selling or looking into, or you know someone that is,
please feel free to reach out to them directly. Also,
you can go again go to Gutsy gilsgrip dot com
two zero five five four two six. Guess what time
it is.
Speaker 3 (15:46):
It's testimonial time.
Speaker 1 (15:49):
Okay, we're gonna do this a little different day since
I'm hosting for the second week. I'm gonna read one
of one of my loan officers and also of my wife,
Michelle Smith, who works with the Cross Country Mortgage. This
is her five star review. Michelle made the mortgage process
smooth and easy for us. We had no issues and
we're ready to close as soon as our house closed
on the sale. I only wish our buyer had used
her because he had several issues which held up our closing.
(16:13):
I'd recommend Michelle to anyone so as you can see
it all matters and Michelle, congratulations.
Speaker 3 (16:19):
On another five star review.
Speaker 1 (16:23):
Okay, real quick, before we go to break, John Michael,
did y'all have some folks that this week, go into
contract get contracts in.
Speaker 2 (16:30):
Yeah, we did.
Speaker 1 (16:31):
We'll go through that real quick. I know they I
know the team has been active this week. It has
been a cold week, but they've been getting after it.
Contracts have been coming in. From what I can tell,
John Michael kind of give us who all got them
some contracts this week.
Speaker 4 (16:41):
Yeah, it just shows that the market's still hart, still hot.
So we're going to give a shout out to Walker,
Kyle TJ had two contracts and Riley and Riley sounds
like he's staying pretty busy. So shout out to those
guys getting contracts this week.
Speaker 1 (16:58):
Let's keep them coming. Hopefully I can be on the list. Yes,
we get We'll have you on here next week. I'm sure, yeah, sure,
all right, all right, Well we're gonna go to break,
come back with our final segment. We'll have a little
bit of time left and kind of go back to
what we're seeing in the market kind of what's going
on with rates and what we're seeing on some of
that stuff, and we will be back shortly with the Bought,
Borrowed and Sold. Welcome back to Bolt, Borrowed and Sold.
(17:25):
I am Brad Smith from cross Country mortgage. I am
filling in for Gusty today. He is still out with
his recovering well from his hip replacement surgery. We hope
to have him back next week. So but for today
it is again me, myself, John Michael Brandon, and John Mountain.
John Michaels. Sister's actually here with us, and she's hanging
(17:45):
out in the corner. She she refuses to take a
mic or put on a headset, so she's Christian's back
there hanging out watching, watching how how all this works
back here. So, now that we're back, one thing I
wanted to kind of go through a little bit market update,
so you know, one of the things everybody's looking at
and constantly the question is what's going on mortgage rates?
(18:07):
What's going on mortgage rates? And a lot of times
you know, it's it's it's one of those Okay, you
try to stay surface level for a lot just because
it makes sense, and it really is. It doesn't do
a ton of moving, but I think it does surprise
people when I tell that, you know, it moves throughout
the day. I mean it is intra day trading, It
is constantly moving. It is just it moves. It's it's
(18:28):
a bond, it's a treasury, it's it moves in the
markets like with the stocks market moves. It's the same thing.
And so with that, any news that we get, whether
it's from the Fed or any kind of inflation numbers
or employment numbers, and there's these big reports that usually
come out weekly or bi weekly, and there's larger ones
that come out at the end of the month can
kind of influence and change the markets. And mortgage rates, well,
(18:52):
we've had a pretty good couple of weeks where we're
we're kind of settling back into the mid upper sixes
on the thirty year fixed rate, and so so you know,
one of the things that we're looking at, there's there's
some there's some larger inflation numbers coming out into the month,
I think February twenty next Friday, February twenty eighth, and
then and so what we're trying to kind of, you know,
(19:12):
everybody's trying to figure out, is like, Okay, if we
get a good inflation number, mortgage rates come down, but
then we get a weird employment number and then and
so it's kind of weird, what what kind of triggers it?
So I constantly have these conversations when we're preapproving people
and then once then once they get under contract, is
you know you have the option to you know, we
(19:34):
don't need lock for thirty days, but you can lock
for forty five days your rate once once we decide
you find a property, all right, let's let's price it out.
And so a lot of times people are saying we'll
shut I go ahead and lock in now, and that
that's probably the main question I get where it's like
a very loaded question because everybody is so different, and
so one thing I just want to talk about real
quick is like it once you start the home buying process,
(19:57):
be kind of thinking like, okay, this is this is
where I want my payment to be.
Speaker 2 (20:02):
And then.
Speaker 1 (20:04):
How much would it influence your your decisions on buying
a house or not if it moves, if the payment's
going to go up twenty five thirty forty fifty sixty
dollars or down twenty thirty forty fifty sixty seventy dollars,
just by what about the interest rate may change Because
if you call and get pre approved today and decide,
you know, you don't want to do some kind of
floating lock or whatever on it that's not attached to
(20:24):
a property. But if you call a day and you
get pre approved and you're like, well, hey, what are
mortgage rates today, And I say, you know, they're X,
y Z, and and then you go looking for a house.
By the time you find something, get under contract, and
you come back under contract and you know, five days,
two days a week, three weeks month down the road,
that might not be the mortage anymore, right, So I
mean it could have moved, you know, twenty times since
(20:45):
the last time we talked, and it could be for
the good, it could be for the bad. So even
then though, once you under contract you do not have
to lock it. But I think I think the main
thing you need to make sure you're asking the right
questions when you're talking to your mortgage person. If you're
you know, if you're if you call me again and
you can go to Bradsmith loons dot com myself one
number three three four three two nine nine two nine
you when you're having these conversations, you need to know
(21:06):
your What I do is when I get that question,
a lot of times I kind of break out what
could happen?
Speaker 2 (21:12):
Good or bad? Okay?
Speaker 1 (21:13):
So, like, is the payment already where you want it, Okay,
So then why are we floating it if the rates
are already good enough, Well, what if they drop an
eighth and my payment drops twenty it would be twenty
five dollars lower. Well, okay, what if we wait and
it goes up a quarter and your payment's fifty dollars higher?
And so everybody, but I can't tell you how you
should handle that because everybody's got a different, you know,
kind of different you know, risk tolerances.
Speaker 4 (21:36):
You know.
Speaker 1 (21:36):
Some people just want to say, hey, listen, I'll ride
this thing just to see if I can get the
lowest rate possible. I don't care if it goes up.
And some say I don't want it. I'm fine with that.
I don't care what I need to do. I want
to lock it in right now because even if it
goes down, I couldn't care less. I'm happy with that.
But if it goes up, it may keep me from
buying the house. And so these are the conversations you
need to have and make sure you're you know, you
know what's going on. Don't let your mortgage person steer
(21:59):
you to do one of the other. Have a conversation
with them, you make it, and then you make the
informed decision once they've laid it all out and ate
and given you the things. That's one of the things
I do. I can't make that decision for you to
lock or not. All right now to pivot real quick,
I'm gonna pitch it back to John Michael. One of
the things that you know, we're getting in the spring
by and season, and people start thinking, Okay, should I
list my house? What are some things that I maybe
(22:20):
should do to my house before I list it, before
I even call realter. Well, we've got a couple of
minutes left, John Michael. What are some some ideas or
some quick things, easy things you might you can do
yourself or should be looking at when you're kind of
getting ready to have a realter come look at your
house or get it ready to be listed so that
you can maximize the way it's going to show and
maximize your value of your home.
Speaker 2 (22:40):
Yeah.
Speaker 4 (22:40):
Absolutely, And it's really going to be case by case,
depending on the seller's situation. And so we'll come in
there and do a pre consultation, an appointment, get a
tour of your home. And so there are a couple
of different things that we would suggest the easiest and
obvious one is probably start out with a deep clean.
You know, just nothing worse than looking at a house
(23:03):
that's messy, even though a lot of buyers kind of
to try to look past the furniture if it doesn't
really fit the house and they're kind of looking at
the bones of the house.
Speaker 2 (23:11):
Some other things we talk about is.
Speaker 1 (23:14):
In the smell of that too, Seriously, I mean the
smell can be a big dictator too. So what's another one?
Maybe one thing? We got another about another minute, if
you got ether thing you want to touch.
Speaker 2 (23:22):
We talk about paint.
Speaker 4 (23:24):
Yes, if you know, if the house is lime green
color in one of the kids rooms, we'll take it
to a neutral color or paint allowance. So those are
two different options to to uh display to the buyers.
Speaker 1 (23:36):
Those are you quick and easy and you can get
somebody to do it for pretty cheap or you can
do tho some of those things yourself. So that's that
makes that makes perfect sense. All right, guys, we have
wrapping up another show. We hope to have Gusty back
with us next week. Again, if you need to go
see some realters to get in touch with the Gusty
Guliz Group. You can go to Gustygullisgroup dot com. Also
reach out to him ATWO zero five five or two
nineteen ninety six. Thank you John Mountain, John Michael Brandon
(23:56):
for helping me out today cover for Gusty again. I
am bred at Smith Across Country Mortgage. You can always
find me at Bradsmith Loans dot com or on myself
on at three three four three two nine nine nine
two nine. Y'all have a great rest of your weekend.
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