Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hello, Hello, thanks for joining our show. Bob Burn and
sold and and uh we've got uh, we've got Kyle
bed Good when the Gusty Goulis group hanging out with
us in the studio. What's up Kyle?
Speaker 2 (00:11):
Good morning, Gusty. How's it going?
Speaker 1 (00:13):
Good man? Glad for you to joining us. And uh
and as always Brad Smith with Cross Country Mortgage, what's
up dude?
Speaker 3 (00:21):
What's up?
Speaker 1 (00:22):
Man? You know, just rocking and rolling.
Speaker 3 (00:24):
I mean, just another week in the books. Let's roll
it out.
Speaker 1 (00:28):
Another week in the books. Hey, we got one close
this week. Would you look at that?
Speaker 3 (00:32):
Would you look at it? Man? That was a fun one.
It really was.
Speaker 4 (00:35):
It really wasn't anything except for one little thing with
you know, condo.
Speaker 1 (00:40):
Who who would have thought?
Speaker 3 (00:42):
Really like our part was easy?
Speaker 1 (00:43):
I mean so so Brad and I we we worked
on a deal and and we've got a buyer that's
bought a condo in Birmingham, and and and so really
we would have been done what two three weeks ago
if it wasn't for you know, just yeah, we could
delays from the ho two.
Speaker 4 (01:02):
And a half weeks ago we were supposed to close,
and we had all of our stuff done yeah, crazy
it is, and a lot of its communication yeah, and
that you know, and not to go down that rabbit hole.
But the biggest thing on that is, like I do
sometimes I feel like you want to let the other
owners in the units know that, like, hey, your your
(01:23):
condo appreciates the better that it's marketable and can be sold.
And so the easier you can get financing on those
other units that do come up for listing.
Speaker 3 (01:32):
The higher they could be purchased.
Speaker 4 (01:34):
For, and the more your value goes up. So you're
the condo association that you're paying for, you need to
have their p's and q so that they can help
make sure the financing part is on their side. Is
very easy. And this is always just kind of happening.
It's the same things they should have happened. This is
our lender folder anytime, this is what they're going to
ask for. Some of this stuff be ready here it is,
(01:55):
and it just makes it all mean anyways, Yes, so
that's my that's my soapbox.
Speaker 1 (02:01):
Well, you know, I think what it really brings, you know.
Speaker 3 (02:04):
And a half weeks before that trying to get it.
Speaker 1 (02:07):
Yeah, what brings my attention to it is just you know,
not every deal is easy in real estate, and and
you we just have to go above and beyond to
get things across the finish line and get it, you know,
so that we can you know, celebrate a closing.
Speaker 4 (02:22):
Well and just talk about a full team effort. Like
one of my processor while we were in the midst
of trying to get what we needed from them, she
did end up finding and pulling like five of the
seven permits that she found online, surfing through all kinds
of stuff, like just digging and going through stuff. And
she was actually above and beyond, above and beyond just
to try to to to compensate for what we had
(02:44):
to have that at the condo association wasn't willing to provide.
So but I mean, but so what we got.
Speaker 3 (02:50):
Done so well, good, good, good good. All that a
win for the week?
Speaker 1 (02:53):
Yes, Yes, we liked our wins.
Speaker 3 (02:56):
Love wins.
Speaker 1 (02:58):
Hey, we've got some We've got some open house this afternoon,
We've got some new listings that we're going to talk about,
and then in our next segment we're going to talk
about what we're seeing in the market. Love to get
Kyle's you know, thoughts of what he's seeing in the market.
In our next segment. But I think it's time for
us to kind of, you know, let's talk about our
(03:18):
new listings and open houses and let's play the game.
Speaker 3 (03:22):
I love it.
Speaker 4 (03:22):
We've got we've got a three horse race today. I
like it when we get a little change up there.
So we're gonna do the mortgage game.
Speaker 3 (03:29):
Gus.
Speaker 4 (03:29):
He's gonna go through the open houses and new listings
they've got that are being showcase. He's going to go
through some of the key details and features of the property.
But the end he's gonna give us the actual list
price of the home. I will then give a potential
down payment that the ball may make, and then Gusty,
John and Kyle will all guess their best efforts at
the thirty year fixed monthly principal interest only payment.
Speaker 1 (03:51):
All right, this is gonna be fun, and I'll tell
you why. It's because a couple of these are Kyle's well,
and we're gonna ge Kyle to talk about. So here
we go.
Speaker 4 (04:02):
Well, the last time Kyle was here and played the game,
he was plugging in the numbers on his computer if
we were talking, So I don't think he was just
I don't think he was calculating a mortgage payment.
Speaker 3 (04:11):
I do think he was just.
Speaker 4 (04:11):
Doing the down payment to figure out the loan amount.
John's over here scratching on paper, and Kyle's over here.
If I'm not mistaken, I believe that was Kyle the
last time he was here.
Speaker 1 (04:20):
We're gonna have to keep an eye on this, this guy,
this guy.
Speaker 4 (04:24):
All right, So all right, well we've got I've already
throwd a challenge flag.
Speaker 3 (04:27):
John's already upset.
Speaker 1 (04:28):
All right. Our first new listing of the week, and
it is open this afternoon from two to four. Curtsey
of mister Kyle Bedgood, who's in the studio with us,
is nine to fifty two Tulip Poplar Lane in River Chase.
That's is the Hoover It's in the city of Hoover,
in the River Chase subdivision and at Spain Park High School.
(04:52):
But Kyle, would you like to talk about Tula Poplar.
Speaker 2 (04:55):
Oh? I love Tulip Poplar. We used to live on
Tulip Poplar Okay years that just moved last summer from
Tula Poplar. This is actually Tulip Popular Lane. We lived
on Tula Poplar Drive.
Speaker 4 (05:06):
Okay, do new Poplars have tulips or is it I mean,
is there a tulip poplar? Because I know, I know
we've got a flyer. When we got a tree, it's
the tree. We have a bunch of tulipopular trees on
that road.
Speaker 3 (05:17):
Ok.
Speaker 2 (05:18):
That's that's where they came up with that name. But
it's a fantastic area. Love the neighborhood. It's at the
front of River Chase, So I mean, I enjoy living
in a River Chase because you're right by that light
and you're don't have to drive so far to the back.
But this is a four three and a half, it's
on a half an acre. It's has a sun room
(05:40):
that most of these that that look like this style
does not have the sun room in the back. And
everything has been updated and clean and painted on the outside,
backs up to the woods, and it's a gorgeous home.
Asking four seventy five for.
Speaker 1 (05:54):
This four seventy five and go see Kyle this ha
for doing from two to four at nine to fifty
two to Tulip Poplar Lane in River Chase. All right,
who's up? I guess am? I up first today?
Speaker 3 (06:07):
Gusty's up first.
Speaker 4 (06:08):
We're gonna start off at four seventy five, putting ten
percent down to ten to ten.
Speaker 3 (06:15):
It's a teen.
Speaker 1 (06:18):
All right, ten percent down.
Speaker 4 (06:20):
I see Kyle looking looking up, so he's doing the
numbers in his head. We're good so far, all right, I'm.
Speaker 1 (06:25):
Gonna go with.
Speaker 2 (06:28):
You're being ten down twenty.
Speaker 4 (06:30):
Six ninety one, twenty six ninety one for Gusty. Are
we saying with al Gusty You're I mean John, You're
up next.
Speaker 5 (06:40):
I'm gonna go twenty five hundred even.
Speaker 3 (06:44):
M one hundred even.
Speaker 2 (06:49):
Kyle, ten percent down for thirty.
Speaker 1 (06:54):
Do I have a white picket fence.
Speaker 2 (06:57):
On the I'm just kidding twenty eight seventy five.
Speaker 4 (07:02):
Twenty eight seventy five, and I will I can confirm
that I did not see him messing with his computer.
I can confirm he didn't mess with his computer either,
because I got the number. But the actual payment was
two thousand, five hundred and ninety seven dollars, So Gusty
gets round one by three dollars.
Speaker 1 (07:23):
No way, look out, Wow.
Speaker 3 (07:26):
John was ninety seven off, you were ninety four off. Wow,
we are dead in the middle.
Speaker 5 (07:31):
It should have died in better. I guess.
Speaker 3 (07:35):
If you'd just given me what twenty five oh five.
Speaker 1 (07:38):
Man, All right, hey, Our next new listing is in Adamsville.
This is in the Westwood Gardens Neighborhoods, built nineteen sixty five,
three bedrooms, one bath, one thousand and fifty square feet,
forty seventeen Flowers Street. And we're asking one hundred and
fifty thousand for this home. And it's got recent upgrades
(07:59):
including a new roof, fresh interior paint, and a new HVAC.
And this listing is courtesy of John Michael Brandon. So,
John Michael, congratulations on your new listing. One hundred and
fifty thousand.
Speaker 4 (08:14):
One hundred and fifty thousand dollars. I love fresh paint smell.
It's like a new car. It just smells good. It
does anyway. Sorry, one to fifty five percent down, one
hundred and fifty thousand, five percent down. Mister Mounts will
go first, Okay, so sit down.
Speaker 6 (08:28):
So only putting down seventy five hundred dollars, I think,
is that right?
Speaker 5 (08:33):
Something like that?
Speaker 1 (08:34):
Yes, that's correct.
Speaker 5 (08:35):
Okay, So I'm thinking I don't know.
Speaker 6 (08:40):
Nine ay fifty now no, no, no, nine hundred, nip, nip, nip, guys,
I rethought myself.
Speaker 1 (08:48):
Nine hundred is that your final answer?
Speaker 5 (08:50):
Aye? Final?
Speaker 1 (08:51):
As this is going to be all right, Kyle, I.
Speaker 2 (08:55):
Just closed on one yesterday for this amount, and their
payments was eight seventy two.
Speaker 1 (09:04):
I believe, Okay, I'm gonna go with nine.
Speaker 3 (09:16):
Forty one, Kyle, it was eight sixty six. That sounds
like we could They could have got.
Speaker 4 (09:27):
A little lower, right, but not by much. Six dollars off.
I'm just getting six dollars off.
Speaker 3 (09:32):
John.
Speaker 4 (09:32):
You still wouldn't won, but you'd have been a little
closer with eight fifty story of my life.
Speaker 1 (09:37):
Wow, Okay, look out, well that just kind of going down.
It's going down. I'm yelling timber all right, sixty four
fourteen Kimberly loop and Penson says in the Cosby Hills
neighborhood built in nineteen eighty one, man, what a great year.
(09:57):
Three bedrooms and two baths, twelve hundred and fifty square feet,
asking one ninety nine nine one nine, And this listening
is courtesy of John Riddle, right right right.
Speaker 4 (10:10):
What's funny, real quick is that how different me and
Gusty Song choices are. Because when I when I said
that my my song was going completely different direction than
Gusty Song anyway, what was your going down? Meet me
in the club down at the mall talking about them?
You go down, going down?
Speaker 3 (10:31):
Met me?
Speaker 1 (10:31):
Okay, sorry, I digress. Ten percent down, ten percent down?
Starts on Kyle, Start for Kyle. Did you have a
closing yesterday?
Speaker 3 (10:42):
For this?
Speaker 1 (10:43):
Is it?
Speaker 3 (10:45):
Now?
Speaker 2 (10:45):
Have a closing today and tomorrow. Let's see, ten percent
is nineteen thousand, so you might as well just say
twenty k one thousand, eleven dollars.
Speaker 1 (11:09):
Well, I'm gonna go with one thousand and seventy one dollars.
Speaker 3 (11:17):
One thousand and seventy one.
Speaker 1 (11:19):
I don't know why I'm doing the ones today.
Speaker 5 (11:23):
I'm gonna say eleven hundred dollars.
Speaker 4 (11:26):
Eleven hundred dollars. Man, this is fun sticking to it.
I like this three this three man ray. So the
actual payment was one thousand and ninety three dollars. John
Mounts gets it. We have a three way tie with
one property left. So we have one for all the
marbles and everybody still in it.
Speaker 1 (11:45):
For a free water for a.
Speaker 3 (11:48):
High five and a signed piece of paper.
Speaker 1 (11:51):
Wow, okay, all right, come on, John, Sorry, right, the
button stock like that?
Speaker 5 (11:57):
Now, both buttons do that? Now?
Speaker 3 (12:00):
He's been eating in the studio.
Speaker 1 (12:01):
Fixed boy went in doubt. Blame JT.
Speaker 3 (12:05):
It's jam all right.
Speaker 1 (12:08):
Oh, this one is a courtesy of Kyle bedgood one.
Oh wait. Cambrian Wood, Cambrian Way. It is in the
Cambrian Wood subdivision, built in nineteen seventy five. This is
a super cool, uh condo town home, three bedrooms, two
and a half bath, seventeen hundred and forty square feet.
Tell us a little bit about Cambrian Way.
Speaker 2 (12:28):
Cambrian Way. It's a nice condo, kind of medium place
right off to eighty.
Speaker 1 (12:34):
Is it like right off like Cobber River or the
like the Cobber River pretty.
Speaker 2 (12:37):
Close over there you're on Invernes, Invernes country Club, country club?
Oh yeah, off the country club. Nice and doesn't back
up to the country club. But it's right, it's over
there right by. And this isn't actually an end unit.
And we'll tall tall, tall ceilings, okay. And he's kept
it in immaculate condition and very clean.
Speaker 1 (12:58):
And so two one hundred and forty thousand dollars, what's
the HOA on this? Because I would assume that it
covers all the exterior maintenance of the property.
Speaker 2 (13:10):
It does.
Speaker 1 (13:11):
We won't consider that in our principal and interest moments.
But it is nice.
Speaker 3 (13:16):
It is nice to know, and it was nice you
know that stuff's covered.
Speaker 1 (13:18):
It is covered. Cool, all right, let's do that.
Speaker 3 (13:23):
Forty? Is that what we said?
Speaker 1 (13:25):
Forty?
Speaker 4 (13:26):
And it's back on me, back on how much it's
putting down. We're putting three percent down. Oh my gosh,
three percent down, Okay on two forty. Okay, wait for
this buttons to get unstuck.
Speaker 3 (13:36):
There we go.
Speaker 1 (13:38):
They never mind.
Speaker 4 (13:44):
Whoops of daisy. Three percent down to forty. Yeah, for
all the my bells.
Speaker 1 (13:52):
Okay, I've got this, I've got it. I can do this.
I believe in myself. People like me for the win.
Speaker 5 (14:02):
Good enough, you're smart enough.
Speaker 1 (14:04):
Yeah, all right, I'm not fully confident.
Speaker 5 (14:16):
It's tight because we've got three of us here.
Speaker 4 (14:17):
Could I sell you a pass in the circle for
five dollars? We can go to John and if you
give me ten, it'll go. I'm gonna get I'm gonna
get it.
Speaker 1 (14:30):
Fourteen oh one, fourteen oh one, sticking with the ones,
sticking with the ones.
Speaker 5 (14:39):
Im me, it's on you, John, thirteen fifty.
Speaker 3 (14:46):
Thirteen fifty All right, this is.
Speaker 5 (14:49):
What comes down to break the men from the mice.
Speaker 4 (14:52):
I know who's already gonna win between these two. I
don't know what you've got.
Speaker 2 (14:56):
Thirteen fifteen what fourteen fourteen?
Speaker 1 (14:59):
Oh one? Y'all can always play on the talkback mike too.
Speaker 2 (15:04):
Fourteen forty.
Speaker 4 (15:09):
Fourteen forty for the wind for the win in one
of the closest matches I can remember in a long
time between especially three. The actual payment was fourteen fourteen.
Gusty gets it there.
Speaker 3 (15:22):
It is O. Man, that was a good one.
Speaker 5 (15:26):
Yeah, it's tight.
Speaker 4 (15:28):
Look at that stuff. It's just sad that this is
that much fun. Or man, that was good. I had
fun with that.
Speaker 6 (15:34):
But the Vegas odes were on Gusty winning anyway, So
right right right.
Speaker 3 (15:38):
It was closer than the experts thought.
Speaker 1 (15:40):
Man, that's kind of sweating over here.
Speaker 3 (15:42):
I don't think he covered the line though.
Speaker 1 (15:44):
J Hey, we've got we've got a coming soon in
Springbool one eleven archers Brook Lane. Uh, this is gonna
be coming up for three fifty nine to nine this week.
Basically built just a couple of years ago, fully fenced yard.
It's got a shed, I mean, and it's on point
seven of an acre, so a huge lot. And so
(16:06):
three Fife in four bedrooms through Best So that's gonna
be coming up this week. We do have some buyer
needs I want to I want to go through these
pretty quick. I've got somebody looking near Graystone, YMCA off
a Highway to eighty pretty close by, up to three
hundred and fifty thousand. I've got somebody looking in Edgewood
School System of Homewood. I've got somebody that's looking for
(16:31):
investment property. So if you're looking to sell a home
that needs you know, you know you've inherited it, or
it needs a lot of work or anything like that,
give us a call. And Kyle, you're still looking for
your single story with a pool.
Speaker 2 (16:46):
Yes, we're looking for a single store with a pool
in Shelby County, Okay or Shelton County.
Speaker 1 (16:51):
Oh so are you moving south even more? Yeah?
Speaker 2 (16:53):
Because I mean she works in Clambiana, but they're moving
out of the Licago.
Speaker 1 (16:56):
Okay, Okay, yeah, all right cool. And then we've also
got somebody looking in the Deer Valley School District up
to eight hundred thousand, and they prefer a pool. All right,
guess what time it is. That's right, it's it's cemonial time.
All right this week, so focus on John, right right, right,
(17:18):
all right. John has helped us multiple times buying and
selling homes over the years in the Birmingham area. John
is very easy to work with and we wouldn't recommend
anyone else. So well, that is awesome. Uh So, congratulations
on your new home and congratulations to John on another.
Speaker 3 (17:40):
Five star review.
Speaker 1 (17:41):
And last but not least, John helped us moved, helped
move us to town and then helped get our household
in forty eight hours. Man, he was on the clock,
wouldn't he He was fantastic to work with and we
would recommend him to anyone who is looking to buy
or sell a home. So congratulate on selling your home
and buying a new place. And John, congratulations on.
Speaker 3 (18:07):
Another five star review.
Speaker 1 (18:10):
All Right, we're rocking and rolling this morning. It was
fun playing the game. It was nice to have a win. Yeah,
so that was that was solid. It is fun when
we've got three folks in the studio going for that.
Speaker 6 (18:22):
It's like you're the coach after the game in locker
room talking there. You know, it's great to have a win.
You know, we all put in a lot of effort. Yeah,
special teams a great job.
Speaker 1 (18:30):
There you go, there, you go. Well, you know what
we'd like to talk about, you know, during this time
is what we're seeing the latest in the the last
week of the market, and what we're seeing in the
mortgage market. And and we do have Kyle bed Good
from the Gusty Gouls group hanging out with us today
in the studio and so you know, Kyle, when when
somebody's like, Kyle, how's the market? What are you telling them? Dude?
Speaker 2 (18:53):
Good morning? What I do tell them is that it's great.
It's fantastic. There is so much out there to see
and to do and to do. This is berman came
out Alabama. There's a lot to do. But there's a
lot to see in different houses. It's a buyer's market.
And we have I have a client who has a deal.
(19:18):
He'll if it's in you're an investor, he'll do buy two,
get one half off, which is pretty funny. He has
multiple investment properties that he'll do deals for.
Speaker 1 (19:27):
So so like if you buy two from him, he'll
give you one for half off.
Speaker 2 (19:32):
Yeah, he's got.
Speaker 4 (19:33):
He's got three listed for one hundred thousand each. You
get two for one hundred and one for fifty.
Speaker 1 (19:37):
Huh true, yeah, so so what does that equal? Its
eight sixteen twenty four it so it really he's he's
he's like eighteen percent off. Yeah, he's willing to give
an eighteen percent discount.
Speaker 3 (19:49):
To move some of the properties on his pad up.
Speaker 1 (19:51):
Is that fair to say?
Speaker 2 (19:52):
I think so? Yeah. And he's doing a really good job.
And these houses are ready for Section eight and if
you want to remodel them, you can double your money.
That's why he's doing not tripling.
Speaker 1 (20:02):
Yeah. So I mean so that now you're telling me
like an eighty two thousand a house, Yes, is that
fair to say? Okay, all right, now we're now we're
getting somewhere but a lot.
Speaker 4 (20:12):
You know, you know, it's everything. It's all about you know,
it's all by two. You get one from the other.
Speaker 1 (20:16):
That's pretty I mean, you know, it's all about marketing guests.
Speaker 2 (20:19):
And I love those deals, and I'm the one that
gets those deals. I'll knock on the door to find
those deal.
Speaker 1 (20:24):
Look out, look out. So so you're seeing so you're
thinking it's a buyer's market. You're seeing more inventory that's
out there. You know that that does go along with
some of the conversation that we've been talking about Brad
over the last couple of weeks is this is what
I'm calling the calm before the storm. Yes, the calm
before the storm. And what I mean by that is, hey,
(20:47):
right now, you can probably get a little bit more
negotiation and you might be able to get some deals.
But come around in March of twenty twenty six, we're
expecting probably a couple more rate cuts. And when we
have a couple more rate cuts, we're going to see
more people coming to the market and we or will
see more multiple offer situations. So when you're when you're
(21:07):
saying buyer's market, hey, I can negotiate a little bit
more than what we've been doing previously.
Speaker 2 (21:12):
Yes, I'm talking about negotiate with closing calls, with concessions.
Speaker 1 (21:17):
I mean, some of the builders getting some upgrades.
Speaker 2 (21:20):
Oh, I have one that got everything she wanted in
her new house as being built.
Speaker 1 (21:24):
Yeah, I mean they pulled out the carpet and added
hardwoods for it, and they did.
Speaker 2 (21:27):
And we looked at the final author yesterday and it's gorgeous.
And what I should have asked for was plantation shutters,
which I could have gone I just didn't even think.
Speaker 3 (21:34):
About the shutter.
Speaker 1 (21:37):
No, come on next time, next time.
Speaker 2 (21:39):
But she got wood floors upstairs.
Speaker 1 (21:41):
I think those hardwoods are probably more important than the
plantation shutters.
Speaker 2 (21:45):
Yeah, because they're gorgeous, nice, gorgeous floors. And then then
we also have people willing to do pay for your
closing calls to come by. We have had I've had
a client who come to the table with actual zero money,
got down payments systems. Now they got their full closing
costs paid for and more.
Speaker 1 (22:04):
Look out, look and wait, there's more. Hey, I want
to know what's going on in the mortgage world. I mean,
we only got a couple of minutes left on the show, so.
Speaker 4 (22:14):
There's been nothing, really like, nothing's really been moving the
market a ton, and we're still pretty flat. I mean,
the mortgage rates are a little better this year this
week than they were last week, just because we are
getting closer to that FED meeting and the expectations are
looking more and more like we're gonna get another twenty
five basis point reduction here at the end of October.
So we're trending that way a little bit. I don't
(22:35):
think we're getting the full benefit of it, of it
because it's like we talked about before the government shut
down and stuff has been made. The market's a little
uneasy and just a little bit of confusion. So sometimes
it's not you're not getting the full benefit of it.
So going back to the calm before the storm, I
think we're going to see rates come down a little more.
You know, I do agree that for the most part.
You know, every every property is a little different, in
every market's a little different. I would say this is
(22:57):
the time of year where you are a little bit
more in a buyer's market, just because it's, like you've
talked before, it's serious that people are looking right now,
but it's not necessary. But there's not necessarily a ton
of people looking right now, so you know, and then
when you talk about the new construction of the builders,
most builders do not want to carry inventory over to
the new year, so you're gonna get some stuff going there.
So mortgage rates are getting better, They're still lower than
they have been in a while. They're going to continue
(23:19):
to tick down. But don't let the opportunity because when
we get back to the next spring and with mortgage
ates to where we think they're going to be and
everybody's back in buying season. It is gonna not They're
not gonna be that buyers buyers market as much as
we may be talking about right now. So it's short
lived because we're in the calm before the storm.
Speaker 1 (23:35):
So we've got to take advantage of it, take advantage
of the purchase price now. To get pre qualified, go
to Bradsmithlans dot com. That's the one, Bradsmithlans dot com.
To go ahead and reach out to the Gustygolisgroup dot com,
you can go to Gustygelisgroup dot com. You can also
go to Kyle dot Gustygulisgroup dot com.
Speaker 2 (23:52):
You're on a fantastic, awesome relature.
Speaker 1 (23:55):
There we go. Hey, thanks so much for joining us today.
We'll see you next time.
Speaker 2 (23:59):
Have a good day.
Hello, Hello, thanks for joining our show. Bob Burn and
sold and and uh we've got uh, we've got Kyle
bed Good when the Gusty Goulis group hanging out with
us in the studio. What's up Kyle?
Speaker 2 (00:11):
Good morning, Gusty. How's it going?
Speaker 1 (00:13):
Good man? Glad for you to joining us. And uh
and as always Brad Smith with Cross Country Mortgage, what's
up dude?
Speaker 3 (00:21):
What's up?
Speaker 1 (00:22):
Man? You know, just rocking and rolling.
Speaker 3 (00:24):
I mean, just another week in the books. Let's roll
it out.
Speaker 1 (00:28):
Another week in the books. Hey, we got one close
this week. Would you look at that?
Speaker 3 (00:32):
Would you look at it? Man? That was a fun one.
It really was.
Speaker 4 (00:35):
It really wasn't anything except for one little thing with
you know, condo.
Speaker 1 (00:40):
Who who would have thought?
Speaker 3 (00:42):
Really like our part was easy?
Speaker 1 (00:43):
I mean so so Brad and I we we worked
on a deal and and we've got a buyer that's
bought a condo in Birmingham, and and and so really
we would have been done what two three weeks ago
if it wasn't for you know, just yeah, we could
delays from the ho two.
Speaker 4 (01:02):
And a half weeks ago we were supposed to close,
and we had all of our stuff done yeah, crazy
it is, and a lot of its communication yeah, and
that you know, and not to go down that rabbit hole.
But the biggest thing on that is, like I do
sometimes I feel like you want to let the other
owners in the units know that, like, hey, your your
(01:23):
condo appreciates the better that it's marketable and can be sold.
And so the easier you can get financing on those
other units that do come up for listing.
Speaker 3 (01:32):
The higher they could be purchased.
Speaker 4 (01:34):
For, and the more your value goes up. So you're
the condo association that you're paying for, you need to
have their p's and q so that they can help
make sure the financing part is on their side. Is
very easy. And this is always just kind of happening.
It's the same things they should have happened. This is
our lender folder anytime, this is what they're going to
ask for. Some of this stuff be ready here it is,
(01:55):
and it just makes it all mean anyways, Yes, so
that's my that's my soapbox.
Speaker 1 (02:01):
Well, you know, I think what it really brings, you know.
Speaker 3 (02:04):
And a half weeks before that trying to get it.
Speaker 1 (02:07):
Yeah, what brings my attention to it is just you know,
not every deal is easy in real estate, and and
you we just have to go above and beyond to
get things across the finish line and get it, you know,
so that we can you know, celebrate a closing.
Speaker 4 (02:22):
Well and just talk about a full team effort. Like
one of my processor while we were in the midst
of trying to get what we needed from them, she
did end up finding and pulling like five of the
seven permits that she found online, surfing through all kinds
of stuff, like just digging and going through stuff. And
she was actually above and beyond, above and beyond just
to try to to to compensate for what we had
(02:44):
to have that at the condo association wasn't willing to provide.
So but I mean, but so what we got.
Speaker 3 (02:50):
Done so well, good, good, good good. All that a
win for the week?
Speaker 1 (02:53):
Yes, Yes, we liked our wins.
Speaker 3 (02:56):
Love wins.
Speaker 1 (02:58):
Hey, we've got some We've got some open house this afternoon,
We've got some new listings that we're going to talk about,
and then in our next segment we're going to talk
about what we're seeing in the market. Love to get
Kyle's you know, thoughts of what he's seeing in the market.
In our next segment. But I think it's time for
us to kind of, you know, let's talk about our
(03:18):
new listings and open houses and let's play the game.
Speaker 3 (03:22):
I love it.
Speaker 4 (03:22):
We've got we've got a three horse race today. I
like it when we get a little change up there.
So we're gonna do the mortgage game.
Speaker 3 (03:29):
Gus.
Speaker 4 (03:29):
He's gonna go through the open houses and new listings
they've got that are being showcase. He's going to go
through some of the key details and features of the property.
But the end he's gonna give us the actual list
price of the home. I will then give a potential
down payment that the ball may make, and then Gusty,
John and Kyle will all guess their best efforts at
the thirty year fixed monthly principal interest only payment.
Speaker 1 (03:51):
All right, this is gonna be fun, and I'll tell
you why. It's because a couple of these are Kyle's well,
and we're gonna ge Kyle to talk about. So here
we go.
Speaker 4 (04:02):
Well, the last time Kyle was here and played the game,
he was plugging in the numbers on his computer if
we were talking, So I don't think he was just
I don't think he was calculating a mortgage payment.
Speaker 3 (04:11):
I do think he was just.
Speaker 4 (04:11):
Doing the down payment to figure out the loan amount.
John's over here scratching on paper, and Kyle's over here.
If I'm not mistaken, I believe that was Kyle the
last time he was here.
Speaker 1 (04:20):
We're gonna have to keep an eye on this, this guy,
this guy.
Speaker 4 (04:24):
All right, So all right, well we've got I've already
throwd a challenge flag.
Speaker 3 (04:27):
John's already upset.
Speaker 1 (04:28):
All right. Our first new listing of the week, and
it is open this afternoon from two to four. Curtsey
of mister Kyle Bedgood, who's in the studio with us,
is nine to fifty two Tulip Poplar Lane in River Chase.
That's is the Hoover It's in the city of Hoover,
in the River Chase subdivision and at Spain Park High School.
(04:52):
But Kyle, would you like to talk about Tula Poplar.
Speaker 2 (04:55):
Oh? I love Tulip Poplar. We used to live on
Tulip Poplar Okay years that just moved last summer from
Tula Poplar. This is actually Tulip Popular Lane. We lived
on Tula Poplar Drive.
Speaker 4 (05:06):
Okay, do new Poplars have tulips or is it I mean,
is there a tulip poplar? Because I know, I know
we've got a flyer. When we got a tree, it's
the tree. We have a bunch of tulipopular trees on
that road.
Speaker 3 (05:17):
Ok.
Speaker 2 (05:18):
That's that's where they came up with that name. But
it's a fantastic area. Love the neighborhood. It's at the
front of River Chase, So I mean, I enjoy living
in a River Chase because you're right by that light
and you're don't have to drive so far to the back.
But this is a four three and a half, it's
on a half an acre. It's has a sun room
(05:40):
that most of these that that look like this style
does not have the sun room in the back. And
everything has been updated and clean and painted on the outside,
backs up to the woods, and it's a gorgeous home.
Asking four seventy five for.
Speaker 1 (05:54):
This four seventy five and go see Kyle this ha
for doing from two to four at nine to fifty
two to Tulip Poplar Lane in River Chase. All right,
who's up? I guess am? I up first today?
Speaker 3 (06:07):
Gusty's up first.
Speaker 4 (06:08):
We're gonna start off at four seventy five, putting ten
percent down to ten to ten.
Speaker 3 (06:15):
It's a teen.
Speaker 1 (06:18):
All right, ten percent down.
Speaker 4 (06:20):
I see Kyle looking looking up, so he's doing the
numbers in his head. We're good so far, all right, I'm.
Speaker 1 (06:25):
Gonna go with.
Speaker 2 (06:28):
You're being ten down twenty.
Speaker 4 (06:30):
Six ninety one, twenty six ninety one for Gusty. Are
we saying with al Gusty You're I mean John, You're
up next.
Speaker 5 (06:40):
I'm gonna go twenty five hundred even.
Speaker 3 (06:44):
M one hundred even.
Speaker 2 (06:49):
Kyle, ten percent down for thirty.
Speaker 1 (06:54):
Do I have a white picket fence.
Speaker 2 (06:57):
On the I'm just kidding twenty eight seventy five.
Speaker 4 (07:02):
Twenty eight seventy five, and I will I can confirm
that I did not see him messing with his computer.
I can confirm he didn't mess with his computer either,
because I got the number. But the actual payment was
two thousand, five hundred and ninety seven dollars, So Gusty
gets round one by three dollars.
Speaker 1 (07:23):
No way, look out, Wow.
Speaker 3 (07:26):
John was ninety seven off, you were ninety four off. Wow,
we are dead in the middle.
Speaker 5 (07:31):
It should have died in better. I guess.
Speaker 3 (07:35):
If you'd just given me what twenty five oh five.
Speaker 1 (07:38):
Man, All right, hey, Our next new listing is in Adamsville.
This is in the Westwood Gardens Neighborhoods, built nineteen sixty five,
three bedrooms, one bath, one thousand and fifty square feet,
forty seventeen Flowers Street. And we're asking one hundred and
fifty thousand for this home. And it's got recent upgrades
(07:59):
including a new roof, fresh interior paint, and a new HVAC.
And this listing is courtesy of John Michael Brandon. So,
John Michael, congratulations on your new listing. One hundred and
fifty thousand.
Speaker 4 (08:14):
One hundred and fifty thousand dollars. I love fresh paint smell.
It's like a new car. It just smells good. It
does anyway. Sorry, one to fifty five percent down, one
hundred and fifty thousand, five percent down. Mister Mounts will
go first, Okay, so sit down.
Speaker 6 (08:28):
So only putting down seventy five hundred dollars, I think,
is that right?
Speaker 5 (08:33):
Something like that?
Speaker 1 (08:34):
Yes, that's correct.
Speaker 5 (08:35):
Okay, So I'm thinking I don't know.
Speaker 6 (08:40):
Nine ay fifty now no, no, no, nine hundred, nip, nip, nip, guys,
I rethought myself.
Speaker 1 (08:48):
Nine hundred is that your final answer?
Speaker 5 (08:50):
Aye? Final?
Speaker 1 (08:51):
As this is going to be all right, Kyle, I.
Speaker 2 (08:55):
Just closed on one yesterday for this amount, and their
payments was eight seventy two.
Speaker 1 (09:04):
I believe, Okay, I'm gonna go with nine.
Speaker 3 (09:16):
Forty one, Kyle, it was eight sixty six. That sounds
like we could They could have got.
Speaker 4 (09:27):
A little lower, right, but not by much. Six dollars off.
I'm just getting six dollars off.
Speaker 3 (09:32):
John.
Speaker 4 (09:32):
You still wouldn't won, but you'd have been a little
closer with eight fifty story of my life.
Speaker 1 (09:37):
Wow, Okay, look out, well that just kind of going down.
It's going down. I'm yelling timber all right, sixty four
fourteen Kimberly loop and Penson says in the Cosby Hills
neighborhood built in nineteen eighty one, man, what a great year.
(09:57):
Three bedrooms and two baths, twelve hundred and fifty square feet,
asking one ninety nine nine one nine, And this listening
is courtesy of John Riddle, right right right.
Speaker 4 (10:10):
What's funny, real quick is that how different me and
Gusty Song choices are. Because when I when I said
that my my song was going completely different direction than
Gusty Song anyway, what was your going down? Meet me
in the club down at the mall talking about them?
You go down, going down?
Speaker 3 (10:31):
Met me?
Speaker 1 (10:31):
Okay, sorry, I digress. Ten percent down, ten percent down?
Starts on Kyle, Start for Kyle. Did you have a
closing yesterday?
Speaker 3 (10:42):
For this?
Speaker 1 (10:43):
Is it?
Speaker 3 (10:45):
Now?
Speaker 2 (10:45):
Have a closing today and tomorrow. Let's see, ten percent
is nineteen thousand, so you might as well just say
twenty k one thousand, eleven dollars.
Speaker 1 (11:09):
Well, I'm gonna go with one thousand and seventy one dollars.
Speaker 3 (11:17):
One thousand and seventy one.
Speaker 1 (11:19):
I don't know why I'm doing the ones today.
Speaker 5 (11:23):
I'm gonna say eleven hundred dollars.
Speaker 4 (11:26):
Eleven hundred dollars. Man, this is fun sticking to it.
I like this three this three man ray. So the
actual payment was one thousand and ninety three dollars. John
Mounts gets it. We have a three way tie with
one property left. So we have one for all the
marbles and everybody still in it.
Speaker 1 (11:45):
For a free water for a.
Speaker 3 (11:48):
High five and a signed piece of paper.
Speaker 1 (11:51):
Wow, okay, all right, come on, John, Sorry, right, the
button stock like that?
Speaker 5 (11:57):
Now, both buttons do that? Now?
Speaker 3 (12:00):
He's been eating in the studio.
Speaker 1 (12:01):
Fixed boy went in doubt. Blame JT.
Speaker 3 (12:05):
It's jam all right.
Speaker 1 (12:08):
Oh, this one is a courtesy of Kyle bedgood one.
Oh wait. Cambrian Wood, Cambrian Way. It is in the
Cambrian Wood subdivision, built in nineteen seventy five. This is
a super cool, uh condo town home, three bedrooms, two
and a half bath, seventeen hundred and forty square feet.
Tell us a little bit about Cambrian Way.
Speaker 2 (12:28):
Cambrian Way. It's a nice condo, kind of medium place
right off to eighty.
Speaker 1 (12:34):
Is it like right off like Cobber River or the
like the Cobber River pretty.
Speaker 2 (12:37):
Close over there you're on Invernes, Invernes country Club, country club?
Oh yeah, off the country club. Nice and doesn't back
up to the country club. But it's right, it's over
there right by. And this isn't actually an end unit.
And we'll tall tall, tall ceilings, okay. And he's kept
it in immaculate condition and very clean.
Speaker 1 (12:58):
And so two one hundred and forty thousand dollars, what's
the HOA on this? Because I would assume that it
covers all the exterior maintenance of the property.
Speaker 2 (13:10):
It does.
Speaker 1 (13:11):
We won't consider that in our principal and interest moments.
But it is nice.
Speaker 3 (13:16):
It is nice to know, and it was nice you
know that stuff's covered.
Speaker 1 (13:18):
It is covered. Cool, all right, let's do that.
Speaker 3 (13:23):
Forty? Is that what we said?
Speaker 1 (13:25):
Forty?
Speaker 4 (13:26):
And it's back on me, back on how much it's
putting down. We're putting three percent down. Oh my gosh,
three percent down, Okay on two forty. Okay, wait for
this buttons to get unstuck.
Speaker 3 (13:36):
There we go.
Speaker 1 (13:38):
They never mind.
Speaker 4 (13:44):
Whoops of daisy. Three percent down to forty. Yeah, for
all the my bells.
Speaker 1 (13:52):
Okay, I've got this, I've got it. I can do this.
I believe in myself. People like me for the win.
Speaker 5 (14:02):
Good enough, you're smart enough.
Speaker 1 (14:04):
Yeah, all right, I'm not fully confident.
Speaker 5 (14:16):
It's tight because we've got three of us here.
Speaker 4 (14:17):
Could I sell you a pass in the circle for
five dollars? We can go to John and if you
give me ten, it'll go. I'm gonna get I'm gonna
get it.
Speaker 1 (14:30):
Fourteen oh one, fourteen oh one, sticking with the ones,
sticking with the ones.
Speaker 5 (14:39):
Im me, it's on you, John, thirteen fifty.
Speaker 3 (14:46):
Thirteen fifty All right, this is.
Speaker 5 (14:49):
What comes down to break the men from the mice.
Speaker 4 (14:52):
I know who's already gonna win between these two. I
don't know what you've got.
Speaker 2 (14:56):
Thirteen fifteen what fourteen fourteen?
Speaker 1 (14:59):
Oh one? Y'all can always play on the talkback mike too.
Speaker 2 (15:04):
Fourteen forty.
Speaker 4 (15:09):
Fourteen forty for the wind for the win in one
of the closest matches I can remember in a long
time between especially three. The actual payment was fourteen fourteen.
Gusty gets it there.
Speaker 3 (15:22):
It is O. Man, that was a good one.
Speaker 5 (15:26):
Yeah, it's tight.
Speaker 4 (15:28):
Look at that stuff. It's just sad that this is
that much fun. Or man, that was good. I had
fun with that.
Speaker 6 (15:34):
But the Vegas odes were on Gusty winning anyway, So
right right right.
Speaker 3 (15:38):
It was closer than the experts thought.
Speaker 1 (15:40):
Man, that's kind of sweating over here.
Speaker 3 (15:42):
I don't think he covered the line though.
Speaker 1 (15:44):
J Hey, we've got we've got a coming soon in
Springbool one eleven archers Brook Lane. Uh, this is gonna
be coming up for three fifty nine to nine this week.
Basically built just a couple of years ago, fully fenced yard.
It's got a shed, I mean, and it's on point
seven of an acre, so a huge lot. And so
(16:06):
three Fife in four bedrooms through Best So that's gonna
be coming up this week. We do have some buyer
needs I want to I want to go through these
pretty quick. I've got somebody looking near Graystone, YMCA off
a Highway to eighty pretty close by, up to three
hundred and fifty thousand. I've got somebody looking in Edgewood
School System of Homewood. I've got somebody that's looking for
(16:31):
investment property. So if you're looking to sell a home
that needs you know, you know you've inherited it, or
it needs a lot of work or anything like that,
give us a call. And Kyle, you're still looking for
your single story with a pool.
Speaker 2 (16:46):
Yes, we're looking for a single store with a pool
in Shelby County, Okay or Shelton County.
Speaker 1 (16:51):
Oh so are you moving south even more? Yeah?
Speaker 2 (16:53):
Because I mean she works in Clambiana, but they're moving
out of the Licago.
Speaker 1 (16:56):
Okay, Okay, yeah, all right cool. And then we've also
got somebody looking in the Deer Valley School District up
to eight hundred thousand, and they prefer a pool. All right,
guess what time it is. That's right, it's it's cemonial time.
All right this week, so focus on John, right right, right,
(17:18):
all right. John has helped us multiple times buying and
selling homes over the years in the Birmingham area. John
is very easy to work with and we wouldn't recommend
anyone else. So well, that is awesome. Uh So, congratulations
on your new home and congratulations to John on another.
Speaker 3 (17:40):
Five star review.
Speaker 1 (17:41):
And last but not least, John helped us moved, helped
move us to town and then helped get our household
in forty eight hours. Man, he was on the clock,
wouldn't he He was fantastic to work with and we
would recommend him to anyone who is looking to buy
or sell a home. So congratulate on selling your home
and buying a new place. And John, congratulations on.
Speaker 3 (18:07):
Another five star review.
Speaker 1 (18:10):
All Right, we're rocking and rolling this morning. It was
fun playing the game. It was nice to have a win. Yeah,
so that was that was solid. It is fun when
we've got three folks in the studio going for that.
Speaker 6 (18:22):
It's like you're the coach after the game in locker
room talking there. You know, it's great to have a win.
You know, we all put in a lot of effort. Yeah,
special teams a great job.
Speaker 1 (18:30):
There you go, there, you go. Well, you know what
we'd like to talk about, you know, during this time
is what we're seeing the latest in the the last
week of the market, and what we're seeing in the
mortgage market. And and we do have Kyle bed Good
from the Gusty Gouls group hanging out with us today
in the studio and so you know, Kyle, when when
somebody's like, Kyle, how's the market? What are you telling them? Dude?
Speaker 2 (18:53):
Good morning? What I do tell them is that it's great.
It's fantastic. There is so much out there to see
and to do and to do. This is berman came
out Alabama. There's a lot to do. But there's a
lot to see in different houses. It's a buyer's market.
And we have I have a client who has a deal.
(19:18):
He'll if it's in you're an investor, he'll do buy two,
get one half off, which is pretty funny. He has
multiple investment properties that he'll do deals for.
Speaker 1 (19:27):
So so like if you buy two from him, he'll
give you one for half off.
Speaker 2 (19:32):
Yeah, he's got.
Speaker 4 (19:33):
He's got three listed for one hundred thousand each. You
get two for one hundred and one for fifty.
Speaker 1 (19:37):
Huh true, yeah, so so what does that equal? Its
eight sixteen twenty four it so it really he's he's
he's like eighteen percent off. Yeah, he's willing to give
an eighteen percent discount.
Speaker 3 (19:49):
To move some of the properties on his pad up.
Speaker 1 (19:51):
Is that fair to say?
Speaker 2 (19:52):
I think so? Yeah. And he's doing a really good job.
And these houses are ready for Section eight and if
you want to remodel them, you can double your money.
That's why he's doing not tripling.
Speaker 1 (20:02):
Yeah. So I mean so that now you're telling me
like an eighty two thousand a house, Yes, is that
fair to say? Okay, all right, now we're now we're
getting somewhere but a lot.
Speaker 4 (20:12):
You know, you know, it's everything. It's all about you know,
it's all by two. You get one from the other.
Speaker 1 (20:16):
That's pretty I mean, you know, it's all about marketing guests.
Speaker 2 (20:19):
And I love those deals, and I'm the one that
gets those deals. I'll knock on the door to find
those deal.
Speaker 1 (20:24):
Look out, look out. So so you're seeing so you're
thinking it's a buyer's market. You're seeing more inventory that's
out there. You know that that does go along with
some of the conversation that we've been talking about Brad
over the last couple of weeks is this is what
I'm calling the calm before the storm. Yes, the calm
before the storm. And what I mean by that is, hey,
(20:47):
right now, you can probably get a little bit more
negotiation and you might be able to get some deals.
But come around in March of twenty twenty six, we're
expecting probably a couple more rate cuts. And when we
have a couple more rate cuts, we're going to see
more people coming to the market and we or will
see more multiple offer situations. So when you're when you're
(21:07):
saying buyer's market, hey, I can negotiate a little bit
more than what we've been doing previously.
Speaker 2 (21:12):
Yes, I'm talking about negotiate with closing calls, with concessions.
Speaker 1 (21:17):
I mean, some of the builders getting some upgrades.
Speaker 2 (21:20):
Oh, I have one that got everything she wanted in
her new house as being built.
Speaker 1 (21:24):
Yeah, I mean they pulled out the carpet and added
hardwoods for it, and they did.
Speaker 2 (21:27):
And we looked at the final author yesterday and it's gorgeous.
And what I should have asked for was plantation shutters,
which I could have gone I just didn't even think.
Speaker 3 (21:34):
About the shutter.
Speaker 1 (21:37):
No, come on next time, next time.
Speaker 2 (21:39):
But she got wood floors upstairs.
Speaker 1 (21:41):
I think those hardwoods are probably more important than the
plantation shutters.
Speaker 2 (21:45):
Yeah, because they're gorgeous, nice, gorgeous floors. And then then
we also have people willing to do pay for your
closing calls to come by. We have had I've had
a client who come to the table with actual zero money,
got down payments systems. Now they got their full closing
costs paid for and more.
Speaker 1 (22:04):
Look out, look and wait, there's more. Hey, I want
to know what's going on in the mortgage world. I mean,
we only got a couple of minutes left on the show, so.
Speaker 4 (22:14):
There's been nothing, really like, nothing's really been moving the
market a ton, and we're still pretty flat. I mean,
the mortgage rates are a little better this year this
week than they were last week, just because we are
getting closer to that FED meeting and the expectations are
looking more and more like we're gonna get another twenty
five basis point reduction here at the end of October.
So we're trending that way a little bit. I don't
(22:35):
think we're getting the full benefit of it, of it
because it's like we talked about before the government shut
down and stuff has been made. The market's a little
uneasy and just a little bit of confusion. So sometimes
it's not you're not getting the full benefit of it.
So going back to the calm before the storm, I
think we're going to see rates come down a little more.
You know, I do agree that for the most part.
You know, every every property is a little different, in
every market's a little different. I would say this is
(22:57):
the time of year where you are a little bit
more in a buyer's market, just because it's, like you've
talked before, it's serious that people are looking right now,
but it's not necessary. But there's not necessarily a ton
of people looking right now, so you know, and then
when you talk about the new construction of the builders,
most builders do not want to carry inventory over to
the new year, so you're gonna get some stuff going there.
So mortgage rates are getting better, They're still lower than
they have been in a while. They're going to continue
(23:19):
to tick down. But don't let the opportunity because when
we get back to the next spring and with mortgage
ates to where we think they're going to be and
everybody's back in buying season. It is gonna not They're
not gonna be that buyers buyers market as much as
we may be talking about right now. So it's short
lived because we're in the calm before the storm.
Speaker 1 (23:35):
So we've got to take advantage of it, take advantage
of the purchase price now. To get pre qualified, go
to Bradsmithlans dot com. That's the one, Bradsmithlans dot com.
To go ahead and reach out to the Gustygolisgroup dot com,
you can go to Gustygelisgroup dot com. You can also
go to Kyle dot Gustygulisgroup dot com.
Speaker 2 (23:52):
You're on a fantastic, awesome relature.
Speaker 1 (23:55):
There we go. Hey, thanks so much for joining us today.
We'll see you next time.
Speaker 2 (23:59):
Have a good day.
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