Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
All right, welcome to Bart and Sold and uh I
hope you're having a wonderful day morning. Got Brad Smith
from Cross Country Mortgage hanging out with us as always.
What's that Brad? How are you buddy?
Speaker 2 (00:12):
Great? How about you doing wonderful? Uh? Was that the
beach last week?
Speaker 1 (00:17):
And uh so, you know, back in the saddle this
past week. And so that's why we had a little
rerun of a show this past last Sunday.
Speaker 2 (00:28):
Yeah, I tried to make it work, but we just
couldn't find it. Can't. It's hard to find good help.
Speaker 1 (00:32):
It really is, no doubt, no doubt.
Speaker 2 (00:34):
I didn't figure that, me, me going on for two
segments just on anything, what's going to be.
Speaker 1 (00:39):
Well, I will say it is rather difficult to just
have one person talking for you know, twenty five minutes,
and so you know, I just think, you know, you
got to have a little bit of banter. Right. Well,
we've we went down to Saint George Island and uh man,
it's been like two we were out of town, like
two out of three weeks. Uh So I'm glad to
(01:02):
kind of feel like having some normalcy. And school's about
to start. I'm sure y'all are probably excited about that. Yes,
coming up pretty soon, y'all listening, We're probably excited about that.
If you've got you know, kids, and uh.
Speaker 2 (01:16):
If you're looking in the rear view mirror and you
see them in the back seat wherever you're going, and.
Speaker 1 (01:21):
So you know, it's we'll talk about what's going on
in the market in our next segment. And you know,
I think schools do play a big deal and what
we see in the market. And but man, uh Saint
George Island. Let me get back on that. Saint George Island.
Have you ever been by that?
Speaker 2 (01:39):
I have not. That's awesome, like I've heard, it's great.
I love it down there, and it's you know, you're
not like on top of everybody, like the beaches. You know.
Speaker 1 (01:50):
I think we went we stayed probably like three houses
from the beach, and so we had a golf cart.
We took the golf cart down and took our stuff
down to the beach, and I mean I think there
was maybe three other tents besides us on the beach
and uh so it wasn't like nuts crowded, which was
(02:11):
so nice.
Speaker 2 (02:12):
Oh yeah, So since I have not been, So what's
the setup like is it is like a is there
a bridge over? Is there? Yeah?
Speaker 1 (02:20):
Yeah, so it's a bridge over to to Saint George Allen.
So new where Apleatical is Cape sand Blast. So you
got Cape sand Blasts and you get Appleatic Coal and
then you've got uh, the Saint George I think it's
called East Point is the actual city, but Saint George Allen.
(02:40):
I mean you saw, I guess six and six point
six mile Bridge. I know this because there was a
trivia question at one of the local restaurants that we
were at, and six point six mile Bridge. There's like
a little piggly wiggly Express and little gas station, a
little liquor store. Then what the kids love is a
(03:02):
place called Sugar Island. So just imagine how crazy they
get with all of the candy that is in this place.
I would imagine ice cream and sugar galore. So you
got to you gotta go to Sugar Island. There was
an arcade and might be the most expensive arcade I've
ever been to in my life. But you know what,
(03:23):
the kids loved it, so that's all that matters. And uh,
and so those are what you kind of do on
days that it rains.
Speaker 2 (03:29):
I got you. Well, that's what's wondering. Do you I mean,
do you do you when you're there for a week,
do you go back across and get off the island
or can you do pretty much everything State island?
Speaker 1 (03:37):
So we went we fished out of apple aachic Cola.
So we went to appleachic Cola, and apalachic Cola has
a really cool little downtown. They've got a great little
restaurant called the Station, and so we we ate at
the Station. Had some phenomenal oysters. I mean, that's kind
of like to me, it's like oyster capital of the world,
appalachic Cola. And and so the oysters were incredible. They've
(03:59):
got like a little it's called Appleatch Outfitters. That's a
really neat store that we enjoy going to and so
just kind of walking through. And they've got another kind
of a historic restaurant it's been open for over one
hundred years, called.
Speaker 2 (04:13):
The Owl Cafe.
Speaker 1 (04:14):
And we didn't get to make it this trip.
Speaker 2 (04:16):
We went last time and we ended up we were like, hey,
let's trust something new, and so we went to.
Speaker 1 (04:23):
We went to the Station, but we fished out of Appleachicola.
So there was one. So we did that and we
kind of you know, walked around appleachical a little bit.
And then another day we ended up like hanging out
a little bit longer in Appleachicola. And but we wanted
to go to Indian Pass Raw Bar, which is an
oyster bar that's a little bit closer to Cape Sandblass.
(04:44):
So I mean realistically, like we drove like forty five
minutes to get to this place. But if you if
you've never been to Indian Pass, like you've got to go.
It's just awesome, really really love the place. And and
just I love the area down there, Cape San Blass,
(05:04):
Saint George Island. It's just a it's a little bit
more laid back, a little bit more chill and you know.
And we took trip fishing, and man, he was catching
he was catching more fish than my father in law, Katie,
my wife, myself. Like, I don't know what it was,
but but Tripp has is like mister outdoorsman at least
for fishing. So we caught some ladyfish, we caught some trout,
(05:29):
actually caught a couple of small sharks. We caught some
sort of some sort of red fish, and just a
few kind of just randoms. So I mean it was fun.
So yeah, back in the saddle. And you know, when
when I'm on vacation, guess what I do. I look
up real estate. I want to know what prices are.
(05:52):
I want to know what things sell for. I want
to know what lots are going for, you know, and
and y'all probably listening, y'all probaly do the same thing,
like the house that we rented. How much does this
house sell for?
Speaker 2 (06:05):
What does it work? Every time?
Speaker 1 (06:07):
So I'm kind of like, you know, staking it out,
like what's going on down here? And and so that's
always fun for me. But I would say it was
a good trip to wind down. But the problem is,
like you know, with with kids, like so, I worked
probably like thirty percent of the time, and my anxiety
goes crazy when I'm like I take take time off.
(06:31):
So my anxiety level was nuts down there. And then
when you add on top of it, like kids on vacation,
like they're on another level. So it is I'm glad
to be back. I'm like, all right now I can
now I need to see I need some normalcy in
my life.
Speaker 2 (06:47):
Yes, that's where school needs to get back in, just
get it back to routine. Yeah, you got one at
camp this week too, don't.
Speaker 1 (06:54):
Yeah, yeah, I one to Tasca. So yeah, I'm excited.
It's been cool because I've been able to spend more
time with Max this week.
Speaker 2 (07:03):
Yeah.
Speaker 1 (07:03):
I took Max to the gym. I saw that and
uh so that was fun. So yeah, yeah, life life.
You know, we do things besides real estate.
Speaker 2 (07:11):
Yeah, that's more fun. Sometimes it's you know, we talk
about the same the same stuff. Sometimes it is nice
to kind of break it up and go down.
Speaker 1 (07:19):
Well, let's let's uh, let's play properties.
Speaker 2 (07:21):
Yeah, we got some properties. Do you want a little
quick reminder of how we do our game. Yeah, Gus,
he's gonna give us a couple of new listings or
coming soons or maybe even open houses. I'm not sure,
but anyways, he's gonna give you some good, cool descriptions
about the properties. At the end, he's gonna give you
the most important detail, and that is the list price
of the home. At that point, I will give a
potential down payment that the borrow may make, and they
will guess the thirty year fixed monthly payment. No principal interest,
(07:44):
We're just principal eches. We're not looking at any scrows
or taxes or anything.
Speaker 1 (07:48):
So all right, well cool, Well, our first this is
going to be opened this afternoon from two to four.
You can come and see me and say hello. I'm
actually holding one of my flips open in the Huey Town.
It's three six four five acre road, Huett Townt, Alabama,
three five zero two three. We basically renovated this whole house.
It's three bedrooms and two baths, twelve hundred and thirty
(08:11):
two square feet. It's got new roof, new windows, new HVAC,
new deck. We actually added a second bath, new kitchen,
new you know, quartz countertops, I mean like flooring paint.
Think of it like literally the whole house. Yeah, we're
asking two fourteen on this one. Wow, and uh, you know,
I'd love love for somebody to pick this one up.
Speaker 2 (08:32):
Yeah, that's awesome. That's a great price point for that.
All that and Huetown's great. I was talking to buddy
mine from over there over there yesterday. Nice all right,
two fifteen yeah, two fifteen, five percent down, five percent down.
Gusty gets to go first.
Speaker 1 (08:49):
Thirteen hundred dollars.
Speaker 3 (08:54):
Seems so steeped me. I'm thinking I'm thinking twelve.
Speaker 2 (08:58):
Hundred, it's actually thirteen twenty four. Gust he gets round.
Speaker 3 (09:02):
One a vacation. He didn't get dull right there, he said.
Speaker 2 (09:09):
It was his I figured he'd worked every possible mortgage
payment to night. Really actually not on this is because
of like just the market analysis.
Speaker 1 (09:17):
Oh yeah, yeah, all right, are actually some new listing
of the week. Fifty let's see, man, I gotta, I
gotta zoom in on this one fifty nine thirty three
Dewey Heights Road. It's in Penson. It's a three bedroom,
two bath home, one thousand and eighty five square feet.
We are asking one sixty nine nine, one sixty nine nine.
(09:39):
This is over in the Cosby Hills neighborhood. No relation
to Bill Cosby, just Cosby Hills neighborhood.
Speaker 2 (09:46):
The oh passed away.
Speaker 1 (09:47):
Oh yes, yes, he sure did rip the O. And
this listing is courtesy of freda Whiley, So free to
congratulations on your new listing in Penson. One sixty nine nine. Man,
we don't. We don't come across a lot of houses
under two hundred thousand these days.
Speaker 2 (10:03):
No, and you know what that means. Payments is very affordable.
It's a great house. Yeah, one sixty nine, ten percent down,
ten percent down, John, you're up.
Speaker 3 (10:16):
I'm gonna go about right at ten percent down. Thousand bucks. No, no, no, no,
that's too high. Nine hundred dollars.
Speaker 1 (10:28):
Final answer, boom, thousand bucks.
Speaker 2 (10:32):
It was nine hundred and ninety two dollars. I didn't see.
I didn't I didn't give him any I didn't say
you sure you don't want a thousand.
Speaker 3 (10:42):
I was like I do anything.
Speaker 2 (10:43):
I just put my head down.
Speaker 1 (10:45):
Well, I was like, man, where's he going with this?
Speaker 2 (10:47):
Like?
Speaker 1 (10:48):
I was like, I think it's pretty close to one
thousand bucks. I'll go one thousand and twenty. Now went
to nine hundred. I was like, well, I'm just gonna
throw out a thousand.
Speaker 3 (10:56):
I was thinking the rates are lower than they are.
Speaker 2 (10:58):
I think, yeah, yeah, they're still thinking they're still in
the upper sixes.
Speaker 1 (11:02):
Yeah all right. Next new listening is twenty twenty one
Spaulting Place. This is in Moody, Alabama, Saint Clair County,
built in two thousand and four, three bedrooms and two baths,
fourteen hundred and fifteen square feet, and we are asking
two twenty five, five hundred, two one hundred and twenty
five thousand, five hundred dollars.
Speaker 2 (11:23):
Just because of it being two twenty five to five,
we're going to put three and a half percent down, three.
Speaker 1 (11:28):
And a half percent down.
Speaker 2 (11:29):
Okay.
Speaker 1 (11:29):
By the way, this listing is courtesy of Carla Diliberto.
So Carla, congratulations on your new listing in the Avalon
community of Moody.
Speaker 2 (11:38):
Two twenty five five, three point five percent down. So
menial payment for an fh long.
Speaker 1 (11:44):
Okay, three and a half percent down, three and a
half percent down, and it's.
Speaker 2 (11:50):
On me, it's on you. You've already won.
Speaker 1 (11:52):
Oh well, good, I like doing this. Wants to make
you lock that win in. Okay, I'm gonna go with.
Speaker 3 (12:10):
Let's go fourteen hundred, thinking thirteen hundred.
Speaker 2 (12:17):
The actual payment is fourteen hundred and eleven dollars. Numbers,
y'all were just afraid to get it over with today,
that's all.
Speaker 1 (12:28):
Hey, well, we've got a this, We've got a really
cool coming soon that I wanted to talk about. This
is in Fultondale and this might be the coolest estate
in Fultondell.
Speaker 2 (12:42):
Uh.
Speaker 1 (12:42):
It's on three point three acres. It's in the Chapel Hills,
neighborhood subdivision. It sits right on five Mile Creek. It
is five bedrooms, six and a half baths, eight thousand,
six hundred and eighty four square feet, and then it
also has a full unfinished basement, and I bet you
there's like four thousand square feet of unfinished space.
Speaker 2 (13:05):
So I saw the video and checked out like this,
this is one of the coolest of states, no matter
where you're looking at. I mean, I mean full mail
for sure, I mean it's it's it is awesome.
Speaker 1 (13:14):
We've got a four car main level garage. That garage
is heated and cooled. Uh, you can have it as
an event space. That's where they did all their thanksgivings.
And it's also got four cars in the basement two
two for the main house and then two on the
pool house. It's got a pool, I mean in the
(13:36):
laundry room. It's got a place for three washer dryer connections,
so not one, not two, but three wash your dryer
connection free. It's just really a cool, incredible estate. It
reminds me of like it kind of looks like a
one of the old fraternity houses down at Bama. It's
(13:57):
got those. It's got like six columns a waterfall Entree
circular drive.
Speaker 2 (14:05):
Called that colonial or what's that?
Speaker 1 (14:08):
Yeah, it's colonial, It's it's just it's incredible. So if
you're looking, if you're listening in and you want kind
of like a statement house, this one is one and
a half million bucks. I mean literally, you couldn't build
it for that right now. No, So it was built
in two thousand and eight and it's it's really an
incredible estate. So that's gonna be coming up later this week.
(14:30):
We do have we've got a couple of buyer needs.
We've got somebody looking in the Hoover area. They are
looking for a single level up to three hundred and
eighty five thousand dollars. I've got somebody looking and trustful
up to four hundred and sixty thousand dollars. So those
are a few that we've got to get something like
really really quick. Hey, guess what time it is. That's right,
(14:55):
it's testimonial time. It was a bigger gap there something.
It's all good, it's all good. This one first out
goes to Brianna. Brianna did an amazing job with helping
us find the property in the area in which we
were interested in. She was patient with us and willing
to show us the property as many times as we needed.
Once we decided this was it, Brianna advised us to
(15:15):
allow her to speak with the seller and negotiated a
price better than we had imagined. Brianna is a bright,
vibrant roulet with outstanding customer service. We were very pleased
and extremely grateful that we got introduced to her. Excellent
agent with a personality and knowledge to match. Man. What
a review right there. So congratulations on your new home
(15:36):
and Brianna, congratulations.
Speaker 2 (15:38):
On another five star review.
Speaker 1 (15:41):
It's so funny. I see like John in the background,
like getting like hyped up and ready. It's like like
he's lifting up for.
Speaker 2 (15:49):
This one, like building up.
Speaker 1 (15:53):
To well, I'm gonna I'm gonna save that. This other
one's is pretty awesome, but I'm will save that one
for next week. So anyways, we're gonna, we're gonna got
a break.
Speaker 2 (16:03):
We'll be right back Bob barn and Sold.
Speaker 1 (16:05):
Don't miss it, all right, Welcome back to Bob barn
and Sold. And as always, we've got Brad Smith from
Cross Country Mortgage in the studio. Bradsmithlans dot com. By
the way, that's it. Hey, have you been a gustygilsgroup
dot com lately?
Speaker 2 (16:21):
I actually went there last week.
Speaker 1 (16:22):
Maybe nice? Yeah, very nice, So check it out if
those of you listen, feel free to go by if
you If you put in your address, you can get
our estimated value generated within like, I don't know, fifteen
twenty thirty seconds. Yeah, pretty incredible.
Speaker 2 (16:39):
It is.
Speaker 1 (16:40):
Our marketing team has done a great job of building
out our website and adding tools to help make all
of the Birmingham, Alabama homeowners get as good an information
as possible. So so yeah, go to gustygilsgroup dot com
and check out what your home is worth, and yeah,
(17:01):
have a little bit of fun. Hey, I wanted to
kind of give some shout outs to some of our
team members. Brad, so we had some contracts this week,
So shout outs to Breonna Green, Carla diliberto Jonathan Weaver
and Isaac Marvin. So congratulations to y'all on your contracts
this week. That's always good. Like to have contracts for sure.
(17:23):
I've seen a couple over the last couple of days
sneak through our internal page. We use group me for
internal communication, so it seems like we've been putting about
a house a day under contract, so that's always good.
I like to see that. Yeah, for sure, I like
to see that. All right, Brad, what's been going on
in the mortgage world, my friend?
Speaker 2 (17:43):
Uh, I mean it's I mean, I feel I feel
good just because I feel like it's been the rates
have been fairly consistent the past really month, and with
no real huge market movement, we may see a little
tick up just because there is no big news coming
that we feel so, you know, I think we've kind
of settled into the upper sixes for a little bit,
not knowing kind of you know that the Fed and
(18:06):
the President seemed to be having an arm rustling contest
and seeing who's going to come out over the top
on it, and I think some of us just gotten
you know, a little pride on both sides. So we'll
see how it all goes. But I think, you know,
I think rates are going to stay somewhere where they are,
and you know, if if things kind of work out
in the next six months or so, I think we'll
(18:27):
see back in the high fives. Just we just got
to get We need the TARFF negotiations to be finalized.
Everybody know how to react to it and see where
it all kind of lands. And so the Fed, the
Fed's looking more short term. The tariffs are more long term.
And so it's it's it's this weird.
Speaker 1 (18:45):
Poograph right now, But doesn't don't they need to look
at long term.
Speaker 2 (18:49):
You would like to think, But you know, again they're
all on short terms. You know. I think this is
pile was last year up there. So he just cares
about what how he looks when he leaves, well on
how he left it. So I mean, so yeah, I
mean there should be a grander goal and a more
a more cohesive working together to make sure it's better
(19:12):
for And this is the other thing. I mean, it's
not just to make sure that the United States is
in good position. We have a lot of impact on
the economic of the world, the whole world, and and
so some of these things are going to have could
possibly have economic world impacts when you're being this restrictive
and you're in you're a large part of the liquidity
(19:33):
for the world's economic reserve. So it's it's it's a
that we are we are in a you know, I
think I say this the other day, I think, you know,
and maybe in a meeting and just said, you know,
it's I don't think we can look back towards historical
things on this. And if you if you look back
over you know, since the since the you know, one
hundred and twenty years ago, it's really not that long ago.
And we've had a lot of changes obviously technologically in
(19:54):
that timeframe and what everybody's access is to information and
how to react quickly to stocks or bonds or anything else.
And so, uh, I think we really can kind of
throw out the history book on some of this and
just see like where we're going to go. So I
really do. I mean, I hear lead economist talking and everything.
(20:16):
They don't know what the heck's going on either, and
then like that's all they do. And I mean I
spend thirty minutes a day on it. Probably these people
are spend all day long on it and not not
getting anywhere different. So it's just interesting. But I mean, again,
the housing market's strong. Our values here are holding strong.
You know, we're still soon appreciation of the right neighborhoods,
(20:36):
and people are still buying house that we've talked about. Life,
life happens, and you know, as someone that just moved
moving is not fun. You don't just do it on
a whim, you know. I mean, I tell you what
we do. We haven't packed all up and we haven't
moved in a while. We should do that, Like it's
for the house and for a life situation. You have
to overcome the hurdle of we're going to have to move.
Speaker 1 (20:58):
You know, you're absolute right, yeah, you know. I mean recently,
we had one of one of my past clients called me.
I was like, you know, we're just we're ready, We're
you know, we're we're kind of at that stage that
we're moving looking for something different. And so we helped
them get under contract in a new construction community and
Hoover that they're excited about. That is going to give
(21:19):
them the ability to have kind of less maintenance on
house and more you know what I would consider walkability
and more access to trails and riding bikes and all
that kind of fun stuff and so you know, and
that and that's just kind of their phase of life
that we're they're at. And so like every you know,
(21:42):
there's a reason why everybody's selling. I mean, I've been
dealing with a lot of estates here lately. So obviously
somebody's past transition, you know, the the house to somebody else.
And then folks that are you know, I'm dealing with
some working with some folks that are just that that
are getting married later this year, so they're they're on
the hunt trying to find their first house, right And
(22:03):
I've got folks like a renter moved out so they're
ready to sell. I've got actually multiple renters have moved
out and they're just ready to sell their houses. So
I've got a couple of those coming up, you know,
over the next few months. And so there's always reasons,
you know why. It's not just hey, I'm just deciding
to move up.
Speaker 2 (22:23):
Well, and one thing I'm working right now is kind
of a it's I want, It's not it's it's kind
of a not a program, but just kind of a
thought in kind of a workshop, and we're really kind
of kind of start focusing on these first time home sellers. Yeah,
so like you know, we were always after the first
time home buyers. Yeah, well, a lot of those first
(22:44):
time home buyers went when it was two and a
half three three and a half percent, so they've never
sold a home before and don't really know what kind
of equity they're looking at, what the true where where
their real worth is, and do they take that and
look at that as an investment and put it back
in another property and let it appreciate as quickly or
in a similar fashion. But on and how to use
that money to work for them and become a first
time seller. So there's some things to work on there.
(23:04):
But I think that's the big next push of the
first time home sellers. But you know, they're going to
need to be reaching out to someone like you with
the knowledge and everything else that knows how to go
in there. Yeah, put it together and put a plan together.
So I think that's the next wave of folks coming.
Speaker 1 (23:18):
Out buying a house and selling house completely different, you
know exactly and completely different. So ultimately it's like building
a plan of action, so you know, And on the
like you said earlier, I mean, the market's still moving.
I'd say it's a balanced market in some places. It's
still sellers market in some places, and it really depends.
I mean there's been some here recently. I've seen some
(23:39):
multiple offer situations and then some just not producing any
kind of offers. So it's important where you price it.
It's important what you stage it, it's important what upgrades
that you do, and it's important who you choose to
work with, and we'd love the opportunity at the Gust
of Goolis Group to work with you. Thanks for joining
us today, Brad, thank you as always, John, thank you
sir as always, and we wish y'all an amazing rest
(24:02):
of the day. Y'all, take care, see you next time piece.
All right, welcome to Bart and Sold and uh I
hope you're having a wonderful day morning. Got Brad Smith
from Cross Country Mortgage hanging out with us as always.
What's that Brad? How are you buddy?
Speaker 2 (00:12):
Great? How about you doing wonderful? Uh? Was that the
beach last week?
Speaker 1 (00:17):
And uh so, you know, back in the saddle this
past week. And so that's why we had a little
rerun of a show this past last Sunday.
Speaker 2 (00:28):
Yeah, I tried to make it work, but we just
couldn't find it. Can't. It's hard to find good help.
Speaker 1 (00:32):
It really is, no doubt, no doubt.
Speaker 2 (00:34):
I didn't figure that, me, me going on for two
segments just on anything, what's going to be.
Speaker 1 (00:39):
Well, I will say it is rather difficult to just
have one person talking for you know, twenty five minutes,
and so you know, I just think, you know, you
got to have a little bit of banter. Right. Well,
we've we went down to Saint George Island and uh man,
it's been like two we were out of town, like
two out of three weeks. Uh So I'm glad to
(01:02):
kind of feel like having some normalcy. And school's about
to start. I'm sure y'all are probably excited about that. Yes,
coming up pretty soon, y'all listening, We're probably excited about that.
If you've got you know, kids, and uh.
Speaker 2 (01:16):
If you're looking in the rear view mirror and you
see them in the back seat wherever you're going, and.
Speaker 1 (01:21):
So you know, it's we'll talk about what's going on
in the market in our next segment. And you know,
I think schools do play a big deal and what
we see in the market. And but man, uh Saint
George Island. Let me get back on that. Saint George Island.
Have you ever been by that?
Speaker 2 (01:39):
I have not. That's awesome, like I've heard, it's great.
I love it down there, and it's you know, you're
not like on top of everybody, like the beaches. You know.
Speaker 1 (01:50):
I think we went we stayed probably like three houses
from the beach, and so we had a golf cart.
We took the golf cart down and took our stuff
down to the beach, and I mean I think there
was maybe three other tents besides us on the beach
and uh so it wasn't like nuts crowded, which was
(02:11):
so nice.
Speaker 2 (02:12):
Oh yeah, So since I have not been, So what's
the setup like is it is like a is there
a bridge over? Is there? Yeah?
Speaker 1 (02:20):
Yeah, so it's a bridge over to to Saint George Allen.
So new where Apleatical is Cape sand Blast. So you
got Cape sand Blasts and you get Appleatic Coal and
then you've got uh, the Saint George I think it's
called East Point is the actual city, but Saint George Allen.
(02:40):
I mean you saw, I guess six and six point
six mile Bridge. I know this because there was a
trivia question at one of the local restaurants that we
were at, and six point six mile Bridge. There's like
a little piggly wiggly Express and little gas station, a
little liquor store. Then what the kids love is a
(03:02):
place called Sugar Island. So just imagine how crazy they
get with all of the candy that is in this place.
I would imagine ice cream and sugar galore. So you
got to you gotta go to Sugar Island. There was
an arcade and might be the most expensive arcade I've
ever been to in my life. But you know what,
(03:23):
the kids loved it, so that's all that matters. And uh,
and so those are what you kind of do on
days that it rains.
Speaker 2 (03:29):
I got you. Well, that's what's wondering. Do you I mean,
do you do you when you're there for a week,
do you go back across and get off the island
or can you do pretty much everything State island?
Speaker 1 (03:37):
So we went we fished out of apple aachic Cola.
So we went to appleachic Cola, and apalachic Cola has
a really cool little downtown. They've got a great little
restaurant called the Station, and so we we ate at
the Station. Had some phenomenal oysters. I mean, that's kind
of like to me, it's like oyster capital of the world,
appalachic Cola. And and so the oysters were incredible. They've
(03:59):
got like a little it's called Appleatch Outfitters. That's a
really neat store that we enjoy going to and so
just kind of walking through. And they've got another kind
of a historic restaurant it's been open for over one
hundred years, called.
Speaker 2 (04:13):
The Owl Cafe.
Speaker 1 (04:14):
And we didn't get to make it this trip.
Speaker 2 (04:16):
We went last time and we ended up we were like, hey,
let's trust something new, and so we went to.
Speaker 1 (04:23):
We went to the Station, but we fished out of Appleachicola.
So there was one. So we did that and we
kind of you know, walked around appleachical a little bit.
And then another day we ended up like hanging out
a little bit longer in Appleachicola. And but we wanted
to go to Indian Pass Raw Bar, which is an
oyster bar that's a little bit closer to Cape Sandblass.
(04:44):
So I mean realistically, like we drove like forty five
minutes to get to this place. But if you if
you've never been to Indian Pass, like you've got to go.
It's just awesome, really really love the place. And and
just I love the area down there, Cape San Blass,
(05:04):
Saint George Island. It's just a it's a little bit
more laid back, a little bit more chill and you know.
And we took trip fishing, and man, he was catching
he was catching more fish than my father in law, Katie,
my wife, myself. Like, I don't know what it was,
but but Tripp has is like mister outdoorsman at least
for fishing. So we caught some ladyfish, we caught some trout,
(05:29):
actually caught a couple of small sharks. We caught some
sort of some sort of red fish, and just a
few kind of just randoms. So I mean it was fun.
So yeah, back in the saddle. And you know, when
when I'm on vacation, guess what I do. I look
up real estate. I want to know what prices are.
(05:52):
I want to know what things sell for. I want
to know what lots are going for, you know, and
and y'all probably listening, y'all probaly do the same thing,
like the house that we rented. How much does this
house sell for?
Speaker 2 (06:05):
What does it work? Every time?
Speaker 1 (06:07):
So I'm kind of like, you know, staking it out,
like what's going on down here? And and so that's
always fun for me. But I would say it was
a good trip to wind down. But the problem is,
like you know, with with kids, like so, I worked
probably like thirty percent of the time, and my anxiety
goes crazy when I'm like I take take time off.
(06:31):
So my anxiety level was nuts down there. And then
when you add on top of it, like kids on vacation,
like they're on another level. So it is I'm glad
to be back. I'm like, all right now I can
now I need to see I need some normalcy in
my life.
Speaker 2 (06:47):
Yes, that's where school needs to get back in, just
get it back to routine. Yeah, you got one at
camp this week too, don't.
Speaker 1 (06:54):
Yeah, yeah, I one to Tasca. So yeah, I'm excited.
It's been cool because I've been able to spend more
time with Max this week.
Speaker 2 (07:03):
Yeah.
Speaker 1 (07:03):
I took Max to the gym. I saw that and
uh so that was fun. So yeah, yeah, life life.
You know, we do things besides real estate.
Speaker 2 (07:11):
Yeah, that's more fun. Sometimes it's you know, we talk
about the same the same stuff. Sometimes it is nice
to kind of break it up and go down.
Speaker 1 (07:19):
Well, let's let's uh, let's play properties.
Speaker 2 (07:21):
Yeah, we got some properties. Do you want a little
quick reminder of how we do our game. Yeah, Gus,
he's gonna give us a couple of new listings or
coming soons or maybe even open houses. I'm not sure,
but anyways, he's gonna give you some good, cool descriptions
about the properties. At the end, he's gonna give you
the most important detail, and that is the list price
of the home. At that point, I will give a
potential down payment that the borrow may make, and they
will guess the thirty year fixed monthly payment. No principal interest,
(07:44):
We're just principal eches. We're not looking at any scrows
or taxes or anything.
Speaker 1 (07:48):
So all right, well cool, Well, our first this is
going to be opened this afternoon from two to four.
You can come and see me and say hello. I'm
actually holding one of my flips open in the Huey Town.
It's three six four five acre road, Huett Townt, Alabama,
three five zero two three. We basically renovated this whole house.
It's three bedrooms and two baths, twelve hundred and thirty
(08:11):
two square feet. It's got new roof, new windows, new HVAC,
new deck. We actually added a second bath, new kitchen,
new you know, quartz countertops, I mean like flooring paint.
Think of it like literally the whole house. Yeah, we're
asking two fourteen on this one. Wow, and uh, you know,
I'd love love for somebody to pick this one up.
Speaker 2 (08:32):
Yeah, that's awesome. That's a great price point for that.
All that and Huetown's great. I was talking to buddy
mine from over there over there yesterday. Nice all right,
two fifteen yeah, two fifteen, five percent down, five percent down.
Gusty gets to go first.
Speaker 1 (08:49):
Thirteen hundred dollars.
Speaker 3 (08:54):
Seems so steeped me. I'm thinking I'm thinking twelve.
Speaker 2 (08:58):
Hundred, it's actually thirteen twenty four. Gust he gets round.
Speaker 3 (09:02):
One a vacation. He didn't get dull right there, he said.
Speaker 2 (09:09):
It was his I figured he'd worked every possible mortgage
payment to night. Really actually not on this is because
of like just the market analysis.
Speaker 1 (09:17):
Oh yeah, yeah, all right, are actually some new listing
of the week. Fifty let's see, man, I gotta, I
gotta zoom in on this one fifty nine thirty three
Dewey Heights Road. It's in Penson. It's a three bedroom,
two bath home, one thousand and eighty five square feet.
We are asking one sixty nine nine, one sixty nine nine.
(09:39):
This is over in the Cosby Hills neighborhood. No relation
to Bill Cosby, just Cosby Hills neighborhood.
Speaker 2 (09:46):
The oh passed away.
Speaker 1 (09:47):
Oh yes, yes, he sure did rip the O. And
this listing is courtesy of freda Whiley, So free to
congratulations on your new listing in Penson. One sixty nine nine. Man,
we don't. We don't come across a lot of houses
under two hundred thousand these days.
Speaker 2 (10:03):
No, and you know what that means. Payments is very affordable.
It's a great house. Yeah, one sixty nine, ten percent down,
ten percent down, John, you're up.
Speaker 3 (10:16):
I'm gonna go about right at ten percent down. Thousand bucks. No, no, no, no,
that's too high. Nine hundred dollars.
Speaker 1 (10:28):
Final answer, boom, thousand bucks.
Speaker 2 (10:32):
It was nine hundred and ninety two dollars. I didn't see.
I didn't I didn't give him any I didn't say
you sure you don't want a thousand.
Speaker 3 (10:42):
I was like I do anything.
Speaker 2 (10:43):
I just put my head down.
Speaker 1 (10:45):
Well, I was like, man, where's he going with this?
Speaker 2 (10:47):
Like?
Speaker 1 (10:48):
I was like, I think it's pretty close to one
thousand bucks. I'll go one thousand and twenty. Now went
to nine hundred. I was like, well, I'm just gonna
throw out a thousand.
Speaker 3 (10:56):
I was thinking the rates are lower than they are.
Speaker 2 (10:58):
I think, yeah, yeah, they're still thinking they're still in
the upper sixes.
Speaker 1 (11:02):
Yeah all right. Next new listening is twenty twenty one
Spaulting Place. This is in Moody, Alabama, Saint Clair County,
built in two thousand and four, three bedrooms and two baths,
fourteen hundred and fifteen square feet, and we are asking
two twenty five, five hundred, two one hundred and twenty
five thousand, five hundred dollars.
Speaker 2 (11:23):
Just because of it being two twenty five to five,
we're going to put three and a half percent down, three.
Speaker 1 (11:28):
And a half percent down.
Speaker 2 (11:29):
Okay.
Speaker 1 (11:29):
By the way, this listing is courtesy of Carla Diliberto.
So Carla, congratulations on your new listing in the Avalon
community of Moody.
Speaker 2 (11:38):
Two twenty five five, three point five percent down. So
menial payment for an fh long.
Speaker 1 (11:44):
Okay, three and a half percent down, three and a
half percent down, and it's.
Speaker 2 (11:50):
On me, it's on you. You've already won.
Speaker 1 (11:52):
Oh well, good, I like doing this. Wants to make
you lock that win in. Okay, I'm gonna go with.
Speaker 3 (12:10):
Let's go fourteen hundred, thinking thirteen hundred.
Speaker 2 (12:17):
The actual payment is fourteen hundred and eleven dollars. Numbers,
y'all were just afraid to get it over with today,
that's all.
Speaker 1 (12:28):
Hey, well, we've got a this, We've got a really
cool coming soon that I wanted to talk about. This
is in Fultondale and this might be the coolest estate
in Fultondell.
Speaker 2 (12:42):
Uh.
Speaker 1 (12:42):
It's on three point three acres. It's in the Chapel Hills,
neighborhood subdivision. It sits right on five Mile Creek. It
is five bedrooms, six and a half baths, eight thousand,
six hundred and eighty four square feet, and then it
also has a full unfinished basement, and I bet you
there's like four thousand square feet of unfinished space.
Speaker 2 (13:05):
So I saw the video and checked out like this,
this is one of the coolest of states, no matter
where you're looking at. I mean, I mean full mail
for sure, I mean it's it's it is awesome.
Speaker 1 (13:14):
We've got a four car main level garage. That garage
is heated and cooled. Uh, you can have it as
an event space. That's where they did all their thanksgivings.
And it's also got four cars in the basement two
two for the main house and then two on the
pool house. It's got a pool, I mean in the
(13:36):
laundry room. It's got a place for three washer dryer connections,
so not one, not two, but three wash your dryer
connection free. It's just really a cool, incredible estate. It
reminds me of like it kind of looks like a
one of the old fraternity houses down at Bama. It's
(13:57):
got those. It's got like six columns a waterfall Entree
circular drive.
Speaker 2 (14:05):
Called that colonial or what's that?
Speaker 1 (14:08):
Yeah, it's colonial, It's it's just it's incredible. So if
you're looking, if you're listening in and you want kind
of like a statement house, this one is one and
a half million bucks. I mean literally, you couldn't build
it for that right now. No, So it was built
in two thousand and eight and it's it's really an
incredible estate. So that's gonna be coming up later this week.
(14:30):
We do have we've got a couple of buyer needs.
We've got somebody looking in the Hoover area. They are
looking for a single level up to three hundred and
eighty five thousand dollars. I've got somebody looking and trustful
up to four hundred and sixty thousand dollars. So those
are a few that we've got to get something like
really really quick. Hey, guess what time it is. That's right,
(14:55):
it's testimonial time. It was a bigger gap there something.
It's all good, it's all good. This one first out
goes to Brianna. Brianna did an amazing job with helping
us find the property in the area in which we
were interested in. She was patient with us and willing
to show us the property as many times as we needed.
Once we decided this was it, Brianna advised us to
(15:15):
allow her to speak with the seller and negotiated a
price better than we had imagined. Brianna is a bright,
vibrant roulet with outstanding customer service. We were very pleased
and extremely grateful that we got introduced to her. Excellent
agent with a personality and knowledge to match. Man. What
a review right there. So congratulations on your new home
(15:36):
and Brianna, congratulations.
Speaker 2 (15:38):
On another five star review.
Speaker 1 (15:41):
It's so funny. I see like John in the background,
like getting like hyped up and ready. It's like like
he's lifting up for.
Speaker 2 (15:49):
This one, like building up.
Speaker 1 (15:53):
To well, I'm gonna I'm gonna save that. This other
one's is pretty awesome, but I'm will save that one
for next week. So anyways, we're gonna, we're gonna got
a break.
Speaker 2 (16:03):
We'll be right back Bob barn and Sold.
Speaker 1 (16:05):
Don't miss it, all right, Welcome back to Bob barn
and Sold. And as always, we've got Brad Smith from
Cross Country Mortgage in the studio. Bradsmithlans dot com. By
the way, that's it. Hey, have you been a gustygilsgroup
dot com lately?
Speaker 2 (16:21):
I actually went there last week.
Speaker 1 (16:22):
Maybe nice? Yeah, very nice, So check it out if
those of you listen, feel free to go by if
you If you put in your address, you can get
our estimated value generated within like, I don't know, fifteen
twenty thirty seconds. Yeah, pretty incredible.
Speaker 2 (16:39):
It is.
Speaker 1 (16:40):
Our marketing team has done a great job of building
out our website and adding tools to help make all
of the Birmingham, Alabama homeowners get as good an information
as possible. So so yeah, go to gustygilsgroup dot com
and check out what your home is worth, and yeah,
(17:01):
have a little bit of fun. Hey, I wanted to
kind of give some shout outs to some of our
team members. Brad, so we had some contracts this week,
So shout outs to Breonna Green, Carla diliberto Jonathan Weaver
and Isaac Marvin. So congratulations to y'all on your contracts
this week. That's always good. Like to have contracts for sure.
(17:23):
I've seen a couple over the last couple of days
sneak through our internal page. We use group me for
internal communication, so it seems like we've been putting about
a house a day under contract, so that's always good.
I like to see that. Yeah, for sure, I like
to see that. All right, Brad, what's been going on
in the mortgage world, my friend?
Speaker 2 (17:43):
Uh, I mean it's I mean, I feel I feel
good just because I feel like it's been the rates
have been fairly consistent the past really month, and with
no real huge market movement, we may see a little
tick up just because there is no big news coming
that we feel so, you know, I think we've kind
of settled into the upper sixes for a little bit,
not knowing kind of you know that the Fed and
(18:06):
the President seemed to be having an arm rustling contest
and seeing who's going to come out over the top
on it, and I think some of us just gotten
you know, a little pride on both sides. So we'll
see how it all goes. But I think, you know,
I think rates are going to stay somewhere where they are,
and you know, if if things kind of work out
in the next six months or so, I think we'll
(18:27):
see back in the high fives. Just we just got
to get We need the TARFF negotiations to be finalized.
Everybody know how to react to it and see where
it all kind of lands. And so the Fed, the
Fed's looking more short term. The tariffs are more long term.
And so it's it's it's this weird.
Speaker 1 (18:45):
Poograph right now, But doesn't don't they need to look
at long term.
Speaker 2 (18:49):
You would like to think, But you know, again they're
all on short terms. You know. I think this is
pile was last year up there. So he just cares
about what how he looks when he leaves, well on
how he left it. So I mean, so yeah, I
mean there should be a grander goal and a more
a more cohesive working together to make sure it's better
(19:12):
for And this is the other thing. I mean, it's
not just to make sure that the United States is
in good position. We have a lot of impact on
the economic of the world, the whole world, and and
so some of these things are going to have could
possibly have economic world impacts when you're being this restrictive
and you're in you're a large part of the liquidity
(19:33):
for the world's economic reserve. So it's it's it's a
that we are we are in a you know, I
think I say this the other day, I think, you know,
and maybe in a meeting and just said, you know,
it's I don't think we can look back towards historical
things on this. And if you if you look back
over you know, since the since the you know, one
hundred and twenty years ago, it's really not that long ago.
And we've had a lot of changes obviously technologically in
(19:54):
that timeframe and what everybody's access is to information and
how to react quickly to stocks or bonds or anything else.
And so, uh, I think we really can kind of
throw out the history book on some of this and
just see like where we're going to go. So I
really do. I mean, I hear lead economist talking and everything.
(20:16):
They don't know what the heck's going on either, and
then like that's all they do. And I mean I
spend thirty minutes a day on it. Probably these people
are spend all day long on it and not not
getting anywhere different. So it's just interesting. But I mean, again,
the housing market's strong. Our values here are holding strong.
You know, we're still soon appreciation of the right neighborhoods,
(20:36):
and people are still buying house that we've talked about. Life,
life happens, and you know, as someone that just moved
moving is not fun. You don't just do it on
a whim, you know. I mean, I tell you what
we do. We haven't packed all up and we haven't
moved in a while. We should do that, Like it's
for the house and for a life situation. You have
to overcome the hurdle of we're going to have to move.
Speaker 1 (20:58):
You know, you're absolute right, yeah, you know. I mean recently,
we had one of one of my past clients called me.
I was like, you know, we're just we're ready, We're
you know, we're we're kind of at that stage that
we're moving looking for something different. And so we helped
them get under contract in a new construction community and
Hoover that they're excited about. That is going to give
(21:19):
them the ability to have kind of less maintenance on
house and more you know what I would consider walkability
and more access to trails and riding bikes and all
that kind of fun stuff and so you know, and
that and that's just kind of their phase of life
that we're they're at. And so like every you know,
(21:42):
there's a reason why everybody's selling. I mean, I've been
dealing with a lot of estates here lately. So obviously
somebody's past transition, you know, the the house to somebody else.
And then folks that are you know, I'm dealing with
some working with some folks that are just that that
are getting married later this year, so they're they're on
the hunt trying to find their first house, right And
(22:03):
I've got folks like a renter moved out so they're
ready to sell. I've got actually multiple renters have moved
out and they're just ready to sell their houses. So
I've got a couple of those coming up, you know,
over the next few months. And so there's always reasons,
you know why. It's not just hey, I'm just deciding
to move up.
Speaker 2 (22:23):
Well, and one thing I'm working right now is kind
of a it's I want, It's not it's it's kind
of a not a program, but just kind of a
thought in kind of a workshop, and we're really kind
of kind of start focusing on these first time home sellers. Yeah,
so like you know, we were always after the first
time home buyers. Yeah, well, a lot of those first
(22:44):
time home buyers went when it was two and a
half three three and a half percent, so they've never
sold a home before and don't really know what kind
of equity they're looking at, what the true where where
their real worth is, and do they take that and
look at that as an investment and put it back
in another property and let it appreciate as quickly or
in a similar fashion. But on and how to use
that money to work for them and become a first
time seller. So there's some things to work on there.
(23:04):
But I think that's the big next push of the
first time home sellers. But you know, they're going to
need to be reaching out to someone like you with
the knowledge and everything else that knows how to go
in there. Yeah, put it together and put a plan together.
So I think that's the next wave of folks coming.
Speaker 1 (23:18):
Out buying a house and selling house completely different, you
know exactly and completely different. So ultimately it's like building
a plan of action, so you know, And on the
like you said earlier, I mean, the market's still moving.
I'd say it's a balanced market in some places. It's
still sellers market in some places, and it really depends.
I mean there's been some here recently. I've seen some
(23:39):
multiple offer situations and then some just not producing any
kind of offers. So it's important where you price it.
It's important what you stage it, it's important what upgrades
that you do, and it's important who you choose to
work with, and we'd love the opportunity at the Gust
of Goolis Group to work with you. Thanks for joining
us today, Brad, thank you as always, John, thank you
sir as always, and we wish y'all an amazing rest
(24:02):
of the day. Y'all, take care, see you next time piece.
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