Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
All right, welcome to Bard and Sold and yes, we
can make your dream home a reality. We got hanging
out in the studio Brad Smith with Cross Country Mortgage.
Speaker 2 (00:10):
What's going on, Brad?
Speaker 1 (00:11):
How are you, buddy? Man?
Speaker 3 (00:12):
I'm doing awesome. It's just good to be here.
Speaker 1 (00:14):
It is. It is good to be here.
Speaker 3 (00:15):
There was a moment where I thought I might not
be here this week, and so I don't think I've missed.
I don't know if you have not missed, and so
I was I was a little worried about that.
Speaker 1 (00:23):
In a year and a half, you have not missed
one show.
Speaker 3 (00:26):
I have fun with it. Well, I think it's fun that.
Speaker 1 (00:32):
It's fun. There's hey, we've got we've been busy. I
feel like, you know, we've been talking about it over
the last you know, six eight weeks, and you know,
the calumn before the storm and and rates have been
coming down, and I know we're going to talk about
you know what we're you know, really seeing you know,
in our next segment. But man, I think it's a
(00:52):
lot of positive, positive things are coming our way.
Speaker 3 (00:57):
Yeah, I completely agree.
Speaker 1 (00:59):
So I'm digging that at you know, it's you know,
I like to talk about our lives too on this show,
because I mean it's a lot of times when you
call us, call our team, I mean like you're gonna
talk to you might talk to me, you might talk
to a couple of different folks on our team, and
you know, it's I think it's good to you know,
(01:19):
have you know, know what's going on in our lives.
Like Brad, me and you were, we're constantly on the
sports fields.
Speaker 3 (01:27):
Well that's about to say, a very good chance, you know,
call me, hey you. I mean I'll talk to you,
but I may you may hear some whistles and some
screaming and yelling at kids in the background. But yeah,
I mean it's you know, it's life. Man. We've all
got it going on. We're all in this together.
Speaker 1 (01:41):
I mean, we've got We've got basketball tournament this uh
this weekend, had flag football yesterday. I mean, there's it's
just always something going on, and I love it. I
absolutely love it. You're coaching, you're coaching the fourth grade
football team.
Speaker 3 (01:57):
Yep, yep. We had our first playoff game this past week.
We we won that game. So we have a semi
final game coming up and hopefully we maybe we can
get through that this last year we got kicked out,
we got beat in the semi. So this year we're
trying to get over that hump.
Speaker 1 (02:10):
Okay, so who we playing this week.
Speaker 3 (02:11):
Will be at Trustful.
Speaker 1 (02:13):
Okay, so then who are the other two teams that
are playing?
Speaker 3 (02:15):
And so then we'll put whoever wins our game.
Speaker 1 (02:19):
Trustful.
Speaker 3 (02:20):
We're the only we're only six eighteen left, so hanging
in there.
Speaker 1 (02:24):
The others are seven am. So yeah, So what is
there like a difference in Like, I guess it's school count, right.
Speaker 3 (02:29):
Mm hmm. Yeah, So and it's they do that. They
do it because I mean, because it's the whole communities
and so it is you know, you do have a
number of difference obviously when you start talking about the
different communities of you know, when you start talking about
your Hoover's, Vestavia's Trustfuls, some of those are just they're
just you know, they're just bigger and more kids. But uh,
we've got a great group of kids. I mean, we're
(02:51):
we're very lucky they're there. It's a it is a
is a great group and just so much fun to
be around. And they're all pretty locked in and all
have their little funny person. But they come to work
every day and they they we have a great time,
but they're not goofing off and stuff. And that's when
you get when you get twenty fourth graders on one
team and you're trying, you know, because I tell you
(03:12):
about most other sportfo and flag, basketball, whatever else, baseball
at this age your biggest rosters like eight people. Yeah,
eight and maybe baseball you maybe you get to eleven
because there's ten on the field and you got one
sub right you started putting you know, forty, I mean
twenty together and and start and start and give them
helmets and shoulder pads. But no, it's uh, it's the highlight.
Speaker 1 (03:32):
That's good though. Fun they're being so good for you.
Speaker 3 (03:35):
Yeah, that makes it easy.
Speaker 1 (03:36):
So it's a tough part of coaching. But yeah, that
and the other parents, you know, and and then and
then we got to be coaches in the real estate world,
and uh so it's it's you know, if we can
deal with a bunch of third, first, third, fourth graders,
we can take great care of you.
Speaker 3 (03:54):
I had I had so much fun the other day
at your office meeting with the first time home buyer
and a couple they had just gotten married, you know,
but that talk about the coaching, like we just you know,
we just sat and say, hey, what what are your goal?
What is your goals? Like what do you what do
you wanting to accomplish? Like do y'all just are y'all
just doing this because you think it's the next step?
Is there a plan? Like? Well, you know, and we
(04:15):
just kind of talked through like different options they had,
like whether we're looking at a month or six months
or a year, but just just walking them through it
and kind of coaching, but also like hearing their feedback
and just kind of getting their understanding that that those
those those are so much fun sometime just being able
to just have that dialogue and get that face to
face and I look forward to it. So that's another thing.
I mean, if you if you want to meet face
to face over please ask because that we get a
(04:37):
lot more accomplished that way.
Speaker 1 (04:38):
Well, Hey, we got we've got a couple of open
houses this afternoon. Actually we've got three that we're gonna
talk about. So I think it's time to play the
good It's.
Speaker 3 (04:49):
That time, all right, So we're gonna gus he's gonna
go through the properties of the got opened today and
give you all the fun cool details of each property.
At the end, he's gonna give us the list price.
Then I will give you a potential down payment that
to borrow may make. And then Gusty and our a
steam producer, John Mounts, will make their best guess at
the thirty yr fixed only monthly payment.
Speaker 1 (05:08):
John, How are you feeling right?
Speaker 2 (05:09):
Not great? But you know we'll make it work.
Speaker 1 (05:11):
I mean they're working you here at the radio studio.
Speaker 3 (05:16):
Last week was awesome. We had an awesome match last week.
Speaker 2 (05:18):
I set to remember that work.
Speaker 1 (05:19):
Well, yeah, all right. Our first new listing of the
week is in Penson. It's open this afternoon from one
to three one to three sixty four fourteen Kimberly Loop.
This one was built in nineteen eighty one, what a
great year on point four to four of an acre lot,
three bedrooms, two baths, twelve hundred and fifty square feet
(05:41):
and we are asking two hundred thousand dollars. Two hundred
thousand dollars. This one also has a covered porch, fenced
backyards and uh, I mean, hey, look, taxes six ninety
five yeah on a two hundred thousand dollar house. How
about that?
Speaker 3 (05:56):
You couldn't get that anywhere. You can get a car
for that, well, you can in Pence. Yeah, I mean,
so there you go, buy twenty thousand our car and
your taxes are higher.
Speaker 1 (06:04):
Yeah, all right, two.
Speaker 3 (06:06):
Hundred thousand, two hundred. We're gonna start off with five
percent down five percent.
Speaker 1 (06:11):
Damn. Let's go with the eleven nine eleven.
Speaker 3 (06:25):
As it sits.
Speaker 4 (06:27):
Ah, I'm thinking it's probably not too far off, but
I'm gonna say thirteen.
Speaker 3 (06:33):
The actual payment was one thousand and fifty four dollars.
Gets around one.
Speaker 2 (06:40):
All right.
Speaker 1 (06:40):
Go see John Riddle that after this afternoon at sixty
four to fourteen Kimberly Loop one to three. So congratulations
on your new listing, John, right right right, all right.
Next new listing of the week is also going to
be open this afternoon from two to four. Go see
our new agent, Edwin Sealini. And if you know French,
(07:02):
that'll be a bonus because he can speak French with you.
Wee wee is Edwin.
Speaker 2 (07:08):
Uh, I can't do it.
Speaker 1 (07:09):
I can't. I just cant we something anyways. One eleven
one eleven archers Brook Lane and Springville. This one was
built just a couple of years ago. Twenty twenty three.
It's on zero point seven of an acre. It's one
of the largest lots in the neighborhood. It's on a
cul de sac lot. It is fully fenced, it's got
a shed. They've even made the covered porch. They've enclosed
(07:33):
it so that you can make kind of basically a
sun room, four bedrooms, three bass, three car garage. Let's
go twenty two and seventy three square feet. And we're
asking three fifty nine nine three fifty nine nine, Oh,
do you want to have some fun with this one?
Think of the taxes on this one. Well, it might
just be land land taxes on the land taxes three
(07:53):
sixty four, but I can't imagine. I bet you it's
like I don't know what the current taxes are, but
I betch it's like a that's.
Speaker 3 (08:01):
Awesome, all right. So you said three fifty nine nine,
three fifty nine, three fifty nine nine, John, We're gonna
start off on this one with twenty.
Speaker 4 (08:10):
Percent down, twenty percent, twenty percent twenty okay, So let's
see that's that's like almost like eighty thousand, seventy thousand
offs something like that. So, uh, I'm gonna say seventeen
hundred dollars. Seventeen hundred, I am pulling the.
Speaker 2 (08:28):
Number out of the air, just out of the air.
Speaker 1 (08:33):
I'm gonna go with the nineteen hundred.
Speaker 3 (08:37):
The actual payment was one thousand, seven hundred and forty
nine dollars. John gets round two.
Speaker 2 (08:42):
Hey, I'm gonna pull more numbers just out of the air.
Speaker 1 (08:48):
Man, look at hell all right? And also open this
afternoon from two to four. Go see TJ. Cunningham and
Chrisswood at fifty three sixteen Fifth Court South. Fifty three
sixteen Fifth Court South. This was built in twenty twenty five,
brand new home in Cresswood. Three bedrooms, two and a
(09:08):
half baths. It's got sixteen hundred and ninety four square
feet on the main two levels. It's got another finished
score basically a ninety square foot basement den office area
in the basement. It's got a one car garage. And
how about new construction in Cresswood. You don't see that
very often. Three eighty nine nine, three eighty nine eight nine. Yeah,
(09:32):
and that's listing as courtesy of TJ. Cunningham.
Speaker 3 (09:35):
That ninety square feet sounds like it would be awesome.
Just need that ninety square feet down there.
Speaker 1 (09:40):
It helps.
Speaker 3 (09:40):
It is just break every bit that one hundred.
Speaker 2 (09:43):
Percent the Christmas tree somewhere, well.
Speaker 3 (09:45):
I mean yeah, sometimes you got to have a place
to get away with a Christmas tree. Hide behind it,
all right, three to ninety yep, ten.
Speaker 1 (09:52):
Percent down, ten.
Speaker 3 (09:54):
Percent down on to Gusty. We're tied up one to one.
Last property. No pressure.
Speaker 1 (10:02):
I don't know. I feel like there's a lot of pressure.
How much do you?
Speaker 2 (10:10):
All right?
Speaker 1 (10:15):
Man, I'm gonna go with two thousand, one hundred and
one dollars.
Speaker 2 (10:33):
It's about where I was thinking.
Speaker 3 (10:35):
So don't be scared. It means I'm I'm the saying
I don't be scared to him just doing what he
was gonna do.
Speaker 1 (10:42):
That means I'm close.
Speaker 2 (10:46):
I'm gonna say two thousand.
Speaker 1 (10:47):
Is he gonna be high or low?
Speaker 2 (10:51):
Two thousand, two hundred dollars.
Speaker 3 (10:53):
Two thousand, two hundred dollars. The actual payment was two thousand,
one hundred and thirty two dollars. Gusty gets it, but
just by a little bit, just a little bit.
Speaker 1 (11:05):
Oh, I snuck by this week. That's a close one.
Speaker 2 (11:08):
At ws AW.
Speaker 1 (11:09):
John John came in strong. Hey, we've also got one
that's going to be coming up this week in Mount
Olive if you'd love to kind of have a little
bit of privacy on almost a one acre lot, a
three bedroom, two bath bungalows sixteen thirty two square feet
priced at two seventy five is going to be coming
down the pipeline. So I'm excited about that. We do
(11:31):
have some buyer needs. We we've got a couple of buyers.
I think we've got like four buyers looking in the
Edgewood School District. So I know we've been talking about
that for a while. I mean, my kids are in
the Edgewood School District, so we we've got a pretty
good community there. So if you know of anybody that
might be considering selling, or if you might be considering
selling and living the Edgewood School district, love to have
(11:53):
a conversation with you. We've got we've got a couple
of investors looking for some investment property, whether it's to
or to flip. So reach out to us if you
are considering, like if if it's a rental house, or
if it's a house that's vacant and you're like I
just really don't know what to do with it, Like
let's let's see if we can get a game plan together.
And we're still looking for that four bedroom home in
(12:15):
the Deer Valley School District of Hoover with a gourmet kitchen,
and they prefer a pool up to eight hundred thousand nice,
so that would be nice. And then also Kyle has
been working really hard on a single story with a
pool in Shelby County up to four point fifty maybe
a little bit higher. So if you got a home
that you're just kind of considering, you know, like your options,
(12:36):
just go to gustygoulisgroup dot com or call two oh
five five four to two, nineteen ninety six, and let's
build a plan of action together. How about that? Hey,
guess what time it is? That's right, it's testimonial time.
Speaker 3 (12:57):
Well, scared, we we're gonna have one today?
Speaker 1 (13:00):
Yeah, no, no, we're definitely gonna have one. I mean,
I think that's always good to have a good testimony.
Speaker 2 (13:05):
I was worried.
Speaker 3 (13:06):
I was testimonial times one of my favorites.
Speaker 4 (13:08):
Also, I don't know how to end the segment. If
we don't have testimony, you don't well the music won't
be running.
Speaker 1 (13:13):
So how's that gonna Okay? Okay, so this one is
for Riley. Riley.
Speaker 3 (13:19):
Uh.
Speaker 1 (13:19):
Riley was professional, responsive and made the home buying process easy.
His knowledge and attention to detail were impressive and I'm
thrilled with my new home. Highly recommend So, uh, mister macklamore,
thank you so much for the opportunity to serve you,
and I hope you're loving your new home. And Riley,
congratulations on another five star review. And last, but not least,
(13:44):
for the weekend, uh, it's this one goes out to Alita.
I couldn't have been happier with the help we received
from Alita. She was patient with me and gentle with
my children, yet resolute with when required. She was always
willing to flex her schedule to acommodate hours. We toured
many houses and ultimately found the perfect home. Five stars,
(14:05):
but she earned ten diamonds. All right, thank you, mister maldon.
I hope you're enjoying your new home. And Alita, congratulations
on another ten diamond review.
Speaker 2 (14:19):
That's good.
Speaker 1 (14:20):
I like that.
Speaker 3 (14:24):
Ten diamonds. Diamonds having lucky horseshes. I just wanted to
make you know was paying attention.
Speaker 1 (14:30):
Yeah, no, that was good. All right, Well, we're gonna
head to break. Y'all stay tuned. We're gonna give you
an update on where the mortgage interest rates are and
where what we're seeing in the real estate market right
here on ball brought and sold. All right, we are
back and uh we were uh brad and now we're
talking about this, you know, off air. But yes, if
(14:55):
this afternoon, the Homewood rich Witches Ride is uh if
it goes around Manhattan Street and Homewood right behind Dawson
excuse me, right behind Trinity Methodist Church, and it kind
of goes throughout like roseland and and all over the
Edgewood area. And uh uh so my wife is going
(15:15):
to be riding a witch. She is a witch. She's
gonna be on a golf cart this year because last
year she went over the handlebars.
Speaker 3 (15:24):
I've seen multiple It's great entertainment.
Speaker 1 (15:27):
Yeah. So anyways, if you want to, if you've got
kids and and you want to get them hooked up
with as much candy as possible, you can go to
the Homewood Witches Ride.
Speaker 3 (15:38):
Get a head start. Yeah candy.
Speaker 1 (15:40):
I'm looking. I'm trying to figure out what time they're
actually going to start riding. I think the events from
two to five. But while we're talking about this, we're
gonna I'm gonna pull it up.
Speaker 3 (15:50):
I've seen it's it's it is so much fun because
it is it's a lot a lot of the moms
dressed up like witches. They're own bicycles or different stuff,
and they're riding through and they're trying to throw candy
from back, gets a holding this and the I mean
watching this, watching them, you know, and I'm sure one
or two of them have had a white claw before
they got on the bicycle or something or no. No, no,
definitely no drinking and biking. But it's it's it's pretty funny.
(16:14):
But it's also a good I think, you know that
it's a fun thing that they do, and the kids
have a great time lining up sidewalks and getting candy
thrown to them, and uh, it's it's but it's pretty
it's a pretty cool thing.
Speaker 1 (16:25):
So oh yeah, absolutely, Well, I think it's probably going
to be around the three o'clock maybe that they head out, So.
Speaker 3 (16:33):
Yeah, is that earlier than normal, mister you know, might
be wrong.
Speaker 1 (16:36):
No, no, just can't find it.
Speaker 3 (16:39):
Yeah, but I feel like I feel like there was
I feel like it's earlier. The whole the whole block
two to five is earlier that it has been in
the past. So I'm not one hundred percent, but it's
it's fun.
Speaker 1 (16:48):
Oh here it is. The Homewood Witches Ride, benefiting the
O'Neill Comprehensive Cancer Center at UA B begins after the
festival at five thirty. Okay, So there's a at Homewood
Central Park two to five. They've got rides, they've got games,
they've got food trucks, a costume contest at three pm
for age of zero to ten and uh and then the.
Speaker 3 (17:14):
Witches they ride ride out five thirty then starts so
much fun. Yeah, okay, that makes more sense. I felt
like the Witch's Ride started around sunset timish.
Speaker 1 (17:24):
All right, cool, well cool, if you've got something going on,
go to open house and then go to go to that.
Speaker 3 (17:30):
It's for a good fun cause.
Speaker 1 (17:31):
Yeah. Well, I know we'd like to talk about, you know,
what we're seeing in the market, what we're seeing with interest, right,
So I can tell you. So I was talking to
an agent a friend of mine this past week, and
she had a open house at a home in off
the two eighty area, And do you know how many people,
(17:54):
she said, came to our open house. It was priced
at three seventy five, which is a good price off
the highway to Edy area. Do you know how many
people they have at their open house?
Speaker 3 (18:03):
I'm thinking it must have been really high for I
play in the game play you're asking me this, So
I'm gonna guess really high that they screw this up.
But seventy eight seventy eight, Wow, that's a lot of people, John,
I gotta guess how this one too?
Speaker 1 (18:16):
Yeah, why not just forgive it?
Speaker 3 (18:18):
It sounds like go under from what he said, I
think you can beat me in this.
Speaker 1 (18:20):
John, Okay, sixty two very close. So it was sixty people.
That's amazing, right, that went to an open house. Now,
I will say I've had we had this like really
incredible property in Vestavia that was super unique. It was
like a mid century modern on like thirteen acres and
(18:41):
this was like this was I think right before COVID
we had I think one hundred and fifty people coming
through our open house.
Speaker 2 (18:49):
That people are parties.
Speaker 4 (18:51):
I think, well, like a husband and wife she count
as one because they're one buyer essentially.
Speaker 3 (18:55):
Yeah, I think it's a head counts a head count. Yeah,
who's going to consume the but under eighteen doesn't count
as the hill.
Speaker 1 (19:02):
Let's just say they went pretty quick. But anyways, like
some so you never know. Sometimes you're gonna get like
a ton of traffic out of open house and there's
days I'm twiddling my thumbs and I'm like, is anybody
even gonna show up?
Speaker 3 (19:14):
Y'all had one too, kind of north of Birmingham that
last year, I think Riley had That was maybe in
the high thirties or mid mid forties or somewhere in
that range. That was that was a really cool price
point on this.
Speaker 1 (19:24):
You just never know. It's just it was out and trustful.
Speaker 3 (19:27):
Yeah, I think that was one.
Speaker 1 (19:28):
And we did have a bunch of people we had
like not offers on that yeahs and and so it's
always fun when we have that kind of you know,
action and reaction.
Speaker 2 (19:37):
Gusty, can I ask a question as a non realtor here?
Speaker 1 (19:40):
Is it considered in bad taste as a non realtor?
Speaker 2 (19:42):
Right? Well, I mean I'm not even in the biz.
Speaker 4 (19:44):
So you know, sometimes there's an open house, like in
my neighborhood, and I'm always curious if I were to
tour the house, and I know I have no intention
of buying the house. Is that in bad taste that
I toured? I'm not talking about I eat all the cookies,
but you know, just I want to kind of look around.
Speaker 1 (19:57):
No, we call them nosy neighbors. Yeah, and no, I
think it's fine because I think you know, when you're
doing that, you're probably interested in what's going on in
the neighborhood. What's the value of homes, how does that
compare to you know, what your home looks like, and
what is truly the value of your home? Because I
mean at some point, like I mean, we've got we
(20:19):
send out emails to a lot of folks in our
database every other week and talking about home values, and
a lot of people love to track what their value
is on their house. It's just kind of like, you know,
if you ever go to Zillo and you get a estament,
you kind of what it's a just an estimate. And
so I think it's totally fine. And I've met some
great folks coming to our open houses and the future.
Speaker 3 (20:42):
Buyers people and they know and you know people, I
mean like it's just another set of eyeballs to go, oh,
that house is pretty cool, and you talk to somebody
the next day or two days later. Great house, a
great house over my neighborhood. If I know you all
said were looking before. I mean, it's and again it
gives you some ideas. You may say, ooh, you know that,
I like that, ooh that that house is worth more
than I thought mine was. Okay, they did paint and
did this thing. If I ever want to do that,
(21:03):
you know, it's yeah. I mean, I think that's just
being a good good in the community, just to get
out and go do it.
Speaker 1 (21:08):
In those conversations, I'll just say, hey, you know, this
is a great opportunity for you to pick your neighbor. Yeah,
you know, you know, if you've got any friends or family,
because I mean a lot of times, you know, people
want their friends to move nearby, or they want their
family to move nearby, and especially if they've got like
younger kids, you know, or or whatnot.
Speaker 2 (21:25):
I mean, we have a lot of friends for your kids.
Speaker 1 (21:28):
Yes, we have a lot of phone calls if people
like like grandparents want to move close by. So I
think it's a great opportunity to say, like, pick your neighbor.
But it's okay to be a nosy neighbor too, and
especially if they got some really good chocolate chip cookies.
It's okay to take time.
Speaker 2 (21:41):
I'm going to say.
Speaker 3 (21:42):
Yeah, and when you're when you're perusing, if you want
to say, hey, you're using a lender yet you know?
Speaker 4 (21:47):
Or or hey, did you just have you sign a
buyer's agent your law? Because I can mow your law
for a hundred bucks a week.
Speaker 3 (21:53):
You can give up some referrals too.
Speaker 1 (21:54):
Yeah, you just never know, Like at an open house
it's gone to work, you just never know who's good
one to walk in, and so it could be a neighbor,
it could be somebody that's a super interested party, or
it could I mean, you just never know. It could
be I've even had former owners of homes come to
the house. They wanted to see what the person has
done to it.
Speaker 3 (22:15):
Can I go completely off a little bit and tie
this together a little bit to that point of like
just never knowing who you're gonna talk to and who
you're gonna bump into. Okay, I like running too Alie's
Bargain Ben because it's close by the house and they've
got all kinds of I'm a Ali's fan, right, I've
got by the way, it's really I mean it anyways,
I'm not saying it's it's good though. You can get
a lot of good stuff.
Speaker 2 (22:34):
But to your grocery shopping there.
Speaker 3 (22:35):
But there's a lady. There's a lady that works with
the cashier, older lady, super sweet. I talked to her
all the time. When I go in there. She knows
me that Michelle had my wife, had gone there. One day.
Speaker 1 (22:44):
She was like, she can tell you Brad or does
she call you baby?
Speaker 3 (22:47):
She calls me honey, okay, And Michelle went in there
says this is my My husband comes through all the
time and it's like is he the tall one? You know?
And get to talking to their day. She used to
be in banking, tells me what she's worked in thinking before.
She worked from my dad directly back in two thousand
and five. From two thousand to two thousand and five
here in Birmingham worked from my dad in the downtown
(23:09):
for the bank which is now went Superior now Okayden's Bank.
But work for my dad, Wow from Dadston And I
was like, yes, ma'am. She's like, is he still doing good?
Is he still working? I said yes, ma'am and just
blew my mind is so wild that that's how it
all comes. But anyways, just go look at it, John,
go look at the open housees. You never know you're
gonna see real quick. Smith loans dot com. Rates are great.
Speaker 1 (23:29):
Rates are great, like six is just six and then
government mid five five. Okay, hey, we gotta go. It's time.
But gustyguliscrip dot com, gustyguliscript dot com, bradsmithlones dot com,
it's us, Thanks so much, we'll catch you next time.
Speaker 3 (23:49):
Peace
All right, welcome to Bard and Sold and yes, we
can make your dream home a reality. We got hanging
out in the studio Brad Smith with Cross Country Mortgage.
Speaker 2 (00:10):
What's going on, Brad?
Speaker 1 (00:11):
How are you, buddy? Man?
Speaker 3 (00:12):
I'm doing awesome. It's just good to be here.
Speaker 1 (00:14):
It is. It is good to be here.
Speaker 3 (00:15):
There was a moment where I thought I might not
be here this week, and so I don't think I've missed.
I don't know if you have not missed, and so
I was I was a little worried about that.
Speaker 1 (00:23):
In a year and a half, you have not missed
one show.
Speaker 3 (00:26):
I have fun with it. Well, I think it's fun that.
Speaker 1 (00:32):
It's fun. There's hey, we've got we've been busy. I
feel like, you know, we've been talking about it over
the last you know, six eight weeks, and you know,
the calumn before the storm and and rates have been
coming down, and I know we're going to talk about
you know what we're you know, really seeing you know,
in our next segment. But man, I think it's a
(00:52):
lot of positive, positive things are coming our way.
Speaker 3 (00:57):
Yeah, I completely agree.
Speaker 1 (00:59):
So I'm digging that at you know, it's you know,
I like to talk about our lives too on this show,
because I mean it's a lot of times when you
call us, call our team, I mean like you're gonna
talk to you might talk to me, you might talk
to a couple of different folks on our team, and
you know, it's I think it's good to you know,
(01:19):
have you know, know what's going on in our lives.
Like Brad, me and you were, we're constantly on the
sports fields.
Speaker 3 (01:27):
Well that's about to say, a very good chance, you know,
call me, hey you. I mean I'll talk to you,
but I may you may hear some whistles and some
screaming and yelling at kids in the background. But yeah,
I mean it's you know, it's life. Man. We've all
got it going on. We're all in this together.
Speaker 1 (01:41):
I mean, we've got We've got basketball tournament this uh
this weekend, had flag football yesterday. I mean, there's it's
just always something going on, and I love it. I
absolutely love it. You're coaching, you're coaching the fourth grade
football team.
Speaker 3 (01:57):
Yep, yep. We had our first playoff game this past week.
We we won that game. So we have a semi
final game coming up and hopefully we maybe we can
get through that this last year we got kicked out,
we got beat in the semi. So this year we're
trying to get over that hump.
Speaker 1 (02:10):
Okay, so who we playing this week.
Speaker 3 (02:11):
Will be at Trustful.
Speaker 1 (02:13):
Okay, so then who are the other two teams that
are playing?
Speaker 3 (02:15):
And so then we'll put whoever wins our game.
Speaker 1 (02:19):
Trustful.
Speaker 3 (02:20):
We're the only we're only six eighteen left, so hanging
in there.
Speaker 1 (02:24):
The others are seven am. So yeah, So what is
there like a difference in Like, I guess it's school count, right.
Speaker 3 (02:29):
Mm hmm. Yeah, So and it's they do that. They
do it because I mean, because it's the whole communities
and so it is you know, you do have a
number of difference obviously when you start talking about the
different communities of you know, when you start talking about
your Hoover's, Vestavia's Trustfuls, some of those are just they're
just you know, they're just bigger and more kids. But uh,
we've got a great group of kids. I mean, we're
(02:51):
we're very lucky they're there. It's a it is a
is a great group and just so much fun to
be around. And they're all pretty locked in and all
have their little funny person. But they come to work
every day and they they we have a great time,
but they're not goofing off and stuff. And that's when
you get when you get twenty fourth graders on one
team and you're trying, you know, because I tell you
(03:12):
about most other sportfo and flag, basketball, whatever else, baseball
at this age your biggest rosters like eight people. Yeah,
eight and maybe baseball you maybe you get to eleven
because there's ten on the field and you got one
sub right you started putting you know, forty, I mean
twenty together and and start and start and give them
helmets and shoulder pads. But no, it's uh, it's the highlight.
Speaker 1 (03:32):
That's good though. Fun they're being so good for you.
Speaker 3 (03:35):
Yeah, that makes it easy.
Speaker 1 (03:36):
So it's a tough part of coaching. But yeah, that
and the other parents, you know, and and then and
then we got to be coaches in the real estate world,
and uh so it's it's you know, if we can
deal with a bunch of third, first, third, fourth graders,
we can take great care of you.
Speaker 3 (03:54):
I had I had so much fun the other day
at your office meeting with the first time home buyer
and a couple they had just gotten married, you know,
but that talk about the coaching, like we just you know,
we just sat and say, hey, what what are your goal?
What is your goals? Like what do you what do
you wanting to accomplish? Like do y'all just are y'all
just doing this because you think it's the next step?
Is there a plan? Like? Well, you know, and we
(04:15):
just kind of talked through like different options they had,
like whether we're looking at a month or six months
or a year, but just just walking them through it
and kind of coaching, but also like hearing their feedback
and just kind of getting their understanding that that those
those those are so much fun sometime just being able
to just have that dialogue and get that face to
face and I look forward to it. So that's another thing.
I mean, if you if you want to meet face
to face over please ask because that we get a
(04:37):
lot more accomplished that way.
Speaker 1 (04:38):
Well, Hey, we got we've got a couple of open
houses this afternoon. Actually we've got three that we're gonna
talk about. So I think it's time to play the
good It's.
Speaker 3 (04:49):
That time, all right, So we're gonna gus he's gonna
go through the properties of the got opened today and
give you all the fun cool details of each property.
At the end, he's gonna give us the list price.
Then I will give you a potential down payment that
to borrow may make. And then Gusty and our a
steam producer, John Mounts, will make their best guess at
the thirty yr fixed only monthly payment.
Speaker 1 (05:08):
John, How are you feeling right?
Speaker 2 (05:09):
Not great? But you know we'll make it work.
Speaker 1 (05:11):
I mean they're working you here at the radio studio.
Speaker 3 (05:16):
Last week was awesome. We had an awesome match last week.
Speaker 2 (05:18):
I set to remember that work.
Speaker 1 (05:19):
Well, yeah, all right. Our first new listing of the
week is in Penson. It's open this afternoon from one
to three one to three sixty four fourteen Kimberly Loop.
This one was built in nineteen eighty one, what a
great year on point four to four of an acre lot,
three bedrooms, two baths, twelve hundred and fifty square feet
(05:41):
and we are asking two hundred thousand dollars. Two hundred
thousand dollars. This one also has a covered porch, fenced
backyards and uh, I mean, hey, look, taxes six ninety
five yeah on a two hundred thousand dollar house. How
about that?
Speaker 3 (05:56):
You couldn't get that anywhere. You can get a car
for that, well, you can in Pence. Yeah, I mean,
so there you go, buy twenty thousand our car and
your taxes are higher.
Speaker 1 (06:04):
Yeah, all right, two.
Speaker 3 (06:06):
Hundred thousand, two hundred. We're gonna start off with five
percent down five percent.
Speaker 1 (06:11):
Damn. Let's go with the eleven nine eleven.
Speaker 3 (06:25):
As it sits.
Speaker 4 (06:27):
Ah, I'm thinking it's probably not too far off, but
I'm gonna say thirteen.
Speaker 3 (06:33):
The actual payment was one thousand and fifty four dollars.
Gets around one.
Speaker 2 (06:40):
All right.
Speaker 1 (06:40):
Go see John Riddle that after this afternoon at sixty
four to fourteen Kimberly Loop one to three. So congratulations
on your new listing, John, right right right, all right.
Next new listing of the week is also going to
be open this afternoon from two to four. Go see
our new agent, Edwin Sealini. And if you know French,
(07:02):
that'll be a bonus because he can speak French with you.
Wee wee is Edwin.
Speaker 2 (07:08):
Uh, I can't do it.
Speaker 1 (07:09):
I can't. I just cant we something anyways. One eleven
one eleven archers Brook Lane and Springville. This one was
built just a couple of years ago. Twenty twenty three.
It's on zero point seven of an acre. It's one
of the largest lots in the neighborhood. It's on a
cul de sac lot. It is fully fenced, it's got
a shed. They've even made the covered porch. They've enclosed
(07:33):
it so that you can make kind of basically a
sun room, four bedrooms, three bass, three car garage. Let's
go twenty two and seventy three square feet. And we're
asking three fifty nine nine three fifty nine nine, Oh,
do you want to have some fun with this one?
Think of the taxes on this one. Well, it might
just be land land taxes on the land taxes three
(07:53):
sixty four, but I can't imagine. I bet you it's
like I don't know what the current taxes are, but
I betch it's like a that's.
Speaker 3 (08:01):
Awesome, all right. So you said three fifty nine nine,
three fifty nine, three fifty nine nine, John, We're gonna
start off on this one with twenty.
Speaker 4 (08:10):
Percent down, twenty percent, twenty percent twenty okay, So let's
see that's that's like almost like eighty thousand, seventy thousand
offs something like that. So, uh, I'm gonna say seventeen
hundred dollars. Seventeen hundred, I am pulling the.
Speaker 2 (08:28):
Number out of the air, just out of the air.
Speaker 1 (08:33):
I'm gonna go with the nineteen hundred.
Speaker 3 (08:37):
The actual payment was one thousand, seven hundred and forty
nine dollars. John gets round two.
Speaker 2 (08:42):
Hey, I'm gonna pull more numbers just out of the air.
Speaker 1 (08:48):
Man, look at hell all right? And also open this
afternoon from two to four. Go see TJ. Cunningham and
Chrisswood at fifty three sixteen Fifth Court South. Fifty three
sixteen Fifth Court South. This was built in twenty twenty five,
brand new home in Cresswood. Three bedrooms, two and a
(09:08):
half baths. It's got sixteen hundred and ninety four square
feet on the main two levels. It's got another finished
score basically a ninety square foot basement den office area
in the basement. It's got a one car garage. And
how about new construction in Cresswood. You don't see that
very often. Three eighty nine nine, three eighty nine eight nine. Yeah,
(09:32):
and that's listing as courtesy of TJ. Cunningham.
Speaker 3 (09:35):
That ninety square feet sounds like it would be awesome.
Just need that ninety square feet down there.
Speaker 1 (09:40):
It helps.
Speaker 3 (09:40):
It is just break every bit that one hundred.
Speaker 2 (09:43):
Percent the Christmas tree somewhere, well.
Speaker 3 (09:45):
I mean yeah, sometimes you got to have a place
to get away with a Christmas tree. Hide behind it,
all right, three to ninety yep, ten.
Speaker 1 (09:52):
Percent down, ten.
Speaker 3 (09:54):
Percent down on to Gusty. We're tied up one to one.
Last property. No pressure.
Speaker 1 (10:02):
I don't know. I feel like there's a lot of pressure.
How much do you?
Speaker 2 (10:10):
All right?
Speaker 1 (10:15):
Man, I'm gonna go with two thousand, one hundred and
one dollars.
Speaker 2 (10:33):
It's about where I was thinking.
Speaker 3 (10:35):
So don't be scared. It means I'm I'm the saying
I don't be scared to him just doing what he
was gonna do.
Speaker 1 (10:42):
That means I'm close.
Speaker 2 (10:46):
I'm gonna say two thousand.
Speaker 1 (10:47):
Is he gonna be high or low?
Speaker 2 (10:51):
Two thousand, two hundred dollars.
Speaker 3 (10:53):
Two thousand, two hundred dollars. The actual payment was two thousand,
one hundred and thirty two dollars. Gusty gets it, but
just by a little bit, just a little bit.
Speaker 1 (11:05):
Oh, I snuck by this week. That's a close one.
Speaker 2 (11:08):
At ws AW.
Speaker 1 (11:09):
John John came in strong. Hey, we've also got one
that's going to be coming up this week in Mount
Olive if you'd love to kind of have a little
bit of privacy on almost a one acre lot, a
three bedroom, two bath bungalows sixteen thirty two square feet
priced at two seventy five is going to be coming
down the pipeline. So I'm excited about that. We do
(11:31):
have some buyer needs. We we've got a couple of buyers.
I think we've got like four buyers looking in the
Edgewood School District. So I know we've been talking about
that for a while. I mean, my kids are in
the Edgewood School District, so we we've got a pretty
good community there. So if you know of anybody that
might be considering selling, or if you might be considering
selling and living the Edgewood School district, love to have
(11:53):
a conversation with you. We've got we've got a couple
of investors looking for some investment property, whether it's to
or to flip. So reach out to us if you
are considering, like if if it's a rental house, or
if it's a house that's vacant and you're like I
just really don't know what to do with it, Like
let's let's see if we can get a game plan together.
And we're still looking for that four bedroom home in
(12:15):
the Deer Valley School District of Hoover with a gourmet kitchen,
and they prefer a pool up to eight hundred thousand nice,
so that would be nice. And then also Kyle has
been working really hard on a single story with a
pool in Shelby County up to four point fifty maybe
a little bit higher. So if you got a home
that you're just kind of considering, you know, like your options,
(12:36):
just go to gustygoulisgroup dot com or call two oh
five five four to two, nineteen ninety six, and let's
build a plan of action together. How about that? Hey,
guess what time it is? That's right, it's testimonial time.
Speaker 3 (12:57):
Well, scared, we we're gonna have one today?
Speaker 1 (13:00):
Yeah, no, no, we're definitely gonna have one. I mean,
I think that's always good to have a good testimony.
Speaker 2 (13:05):
I was worried.
Speaker 3 (13:06):
I was testimonial times one of my favorites.
Speaker 4 (13:08):
Also, I don't know how to end the segment. If
we don't have testimony, you don't well the music won't
be running.
Speaker 1 (13:13):
So how's that gonna Okay? Okay, so this one is
for Riley. Riley.
Speaker 3 (13:19):
Uh.
Speaker 1 (13:19):
Riley was professional, responsive and made the home buying process easy.
His knowledge and attention to detail were impressive and I'm
thrilled with my new home. Highly recommend So, uh, mister macklamore,
thank you so much for the opportunity to serve you,
and I hope you're loving your new home. And Riley,
congratulations on another five star review. And last, but not least,
(13:44):
for the weekend, uh, it's this one goes out to Alita.
I couldn't have been happier with the help we received
from Alita. She was patient with me and gentle with
my children, yet resolute with when required. She was always
willing to flex her schedule to acommodate hours. We toured
many houses and ultimately found the perfect home. Five stars,
(14:05):
but she earned ten diamonds. All right, thank you, mister maldon.
I hope you're enjoying your new home. And Alita, congratulations
on another ten diamond review.
Speaker 2 (14:19):
That's good.
Speaker 1 (14:20):
I like that.
Speaker 3 (14:24):
Ten diamonds. Diamonds having lucky horseshes. I just wanted to
make you know was paying attention.
Speaker 1 (14:30):
Yeah, no, that was good. All right, Well, we're gonna
head to break. Y'all stay tuned. We're gonna give you
an update on where the mortgage interest rates are and
where what we're seeing in the real estate market right
here on ball brought and sold. All right, we are
back and uh we were uh brad and now we're
talking about this, you know, off air. But yes, if
(14:55):
this afternoon, the Homewood rich Witches Ride is uh if
it goes around Manhattan Street and Homewood right behind Dawson
excuse me, right behind Trinity Methodist Church, and it kind
of goes throughout like roseland and and all over the
Edgewood area. And uh uh so my wife is going
(15:15):
to be riding a witch. She is a witch. She's
gonna be on a golf cart this year because last
year she went over the handlebars.
Speaker 3 (15:24):
I've seen multiple It's great entertainment.
Speaker 1 (15:27):
Yeah. So anyways, if you want to, if you've got
kids and and you want to get them hooked up
with as much candy as possible, you can go to
the Homewood Witches Ride.
Speaker 3 (15:38):
Get a head start. Yeah candy.
Speaker 1 (15:40):
I'm looking. I'm trying to figure out what time they're
actually going to start riding. I think the events from
two to five. But while we're talking about this, we're
gonna I'm gonna pull it up.
Speaker 3 (15:50):
I've seen it's it's it is so much fun because
it is it's a lot a lot of the moms
dressed up like witches. They're own bicycles or different stuff,
and they're riding through and they're trying to throw candy
from back, gets a holding this and the I mean
watching this, watching them, you know, and I'm sure one
or two of them have had a white claw before
they got on the bicycle or something or no. No, no,
definitely no drinking and biking. But it's it's it's pretty funny.
(16:14):
But it's also a good I think, you know that
it's a fun thing that they do, and the kids
have a great time lining up sidewalks and getting candy
thrown to them, and uh, it's it's but it's pretty
it's a pretty cool thing.
Speaker 1 (16:25):
So oh yeah, absolutely, Well, I think it's probably going
to be around the three o'clock maybe that they head out, So.
Speaker 3 (16:33):
Yeah, is that earlier than normal, mister you know, might
be wrong.
Speaker 1 (16:36):
No, no, just can't find it.
Speaker 3 (16:39):
Yeah, but I feel like I feel like there was
I feel like it's earlier. The whole the whole block
two to five is earlier that it has been in
the past. So I'm not one hundred percent, but it's
it's fun.
Speaker 1 (16:48):
Oh here it is. The Homewood Witches Ride, benefiting the
O'Neill Comprehensive Cancer Center at UA B begins after the
festival at five thirty. Okay, So there's a at Homewood
Central Park two to five. They've got rides, they've got games,
they've got food trucks, a costume contest at three pm
for age of zero to ten and uh and then the.
Speaker 3 (17:14):
Witches they ride ride out five thirty then starts so
much fun. Yeah, okay, that makes more sense. I felt
like the Witch's Ride started around sunset timish.
Speaker 1 (17:24):
All right, cool, well cool, if you've got something going on,
go to open house and then go to go to that.
Speaker 3 (17:30):
It's for a good fun cause.
Speaker 1 (17:31):
Yeah. Well, I know we'd like to talk about, you know,
what we're seeing in the market, what we're seeing with interest, right,
So I can tell you. So I was talking to
an agent a friend of mine this past week, and
she had a open house at a home in off
the two eighty area, And do you know how many people,
(17:54):
she said, came to our open house. It was priced
at three seventy five, which is a good price off
the highway to Edy area. Do you know how many
people they have at their open house?
Speaker 3 (18:03):
I'm thinking it must have been really high for I
play in the game play you're asking me this, So
I'm gonna guess really high that they screw this up.
But seventy eight seventy eight, Wow, that's a lot of people, John,
I gotta guess how this one too?
Speaker 1 (18:16):
Yeah, why not just forgive it?
Speaker 3 (18:18):
It sounds like go under from what he said, I
think you can beat me in this.
Speaker 1 (18:20):
John, Okay, sixty two very close. So it was sixty people.
That's amazing, right, that went to an open house. Now,
I will say I've had we had this like really
incredible property in Vestavia that was super unique. It was
like a mid century modern on like thirteen acres and
(18:41):
this was like this was I think right before COVID
we had I think one hundred and fifty people coming
through our open house.
Speaker 2 (18:49):
That people are parties.
Speaker 4 (18:51):
I think, well, like a husband and wife she count
as one because they're one buyer essentially.
Speaker 3 (18:55):
Yeah, I think it's a head counts a head count. Yeah,
who's going to consume the but under eighteen doesn't count
as the hill.
Speaker 1 (19:02):
Let's just say they went pretty quick. But anyways, like
some so you never know. Sometimes you're gonna get like
a ton of traffic out of open house and there's
days I'm twiddling my thumbs and I'm like, is anybody
even gonna show up?
Speaker 3 (19:14):
Y'all had one too, kind of north of Birmingham that
last year, I think Riley had That was maybe in
the high thirties or mid mid forties or somewhere in
that range. That was that was a really cool price
point on this.
Speaker 1 (19:24):
You just never know. It's just it was out and trustful.
Speaker 3 (19:27):
Yeah, I think that was one.
Speaker 1 (19:28):
And we did have a bunch of people we had
like not offers on that yeahs and and so it's
always fun when we have that kind of you know,
action and reaction.
Speaker 2 (19:37):
Gusty, can I ask a question as a non realtor here?
Speaker 1 (19:40):
Is it considered in bad taste as a non realtor?
Speaker 2 (19:42):
Right? Well, I mean I'm not even in the biz.
Speaker 4 (19:44):
So you know, sometimes there's an open house, like in
my neighborhood, and I'm always curious if I were to
tour the house, and I know I have no intention
of buying the house. Is that in bad taste that
I toured? I'm not talking about I eat all the cookies,
but you know, just I want to kind of look around.
Speaker 1 (19:57):
No, we call them nosy neighbors. Yeah, and no, I
think it's fine because I think you know, when you're
doing that, you're probably interested in what's going on in
the neighborhood. What's the value of homes, how does that
compare to you know, what your home looks like, and
what is truly the value of your home? Because I
mean at some point, like I mean, we've got we
(20:19):
send out emails to a lot of folks in our
database every other week and talking about home values, and
a lot of people love to track what their value
is on their house. It's just kind of like, you know,
if you ever go to Zillo and you get a estament,
you kind of what it's a just an estimate. And
so I think it's totally fine. And I've met some
great folks coming to our open houses and the future.
Speaker 3 (20:42):
Buyers people and they know and you know people, I
mean like it's just another set of eyeballs to go, oh,
that house is pretty cool, and you talk to somebody
the next day or two days later. Great house, a
great house over my neighborhood. If I know you all
said were looking before. I mean, it's and again it
gives you some ideas. You may say, ooh, you know that,
I like that, ooh that that house is worth more
than I thought mine was. Okay, they did paint and
did this thing. If I ever want to do that,
(21:03):
you know, it's yeah. I mean, I think that's just
being a good good in the community, just to get
out and go do it.
Speaker 1 (21:08):
In those conversations, I'll just say, hey, you know, this
is a great opportunity for you to pick your neighbor. Yeah,
you know, you know, if you've got any friends or family,
because I mean a lot of times, you know, people
want their friends to move nearby, or they want their
family to move nearby, and especially if they've got like
younger kids, you know, or or whatnot.
Speaker 2 (21:25):
I mean, we have a lot of friends for your kids.
Speaker 1 (21:28):
Yes, we have a lot of phone calls if people
like like grandparents want to move close by. So I
think it's a great opportunity to say, like, pick your neighbor.
But it's okay to be a nosy neighbor too, and
especially if they got some really good chocolate chip cookies.
It's okay to take time.
Speaker 2 (21:41):
I'm going to say.
Speaker 3 (21:42):
Yeah, and when you're when you're perusing, if you want
to say, hey, you're using a lender yet you know?
Speaker 4 (21:47):
Or or hey, did you just have you sign a
buyer's agent your law? Because I can mow your law
for a hundred bucks a week.
Speaker 3 (21:53):
You can give up some referrals too.
Speaker 1 (21:54):
Yeah, you just never know, Like at an open house
it's gone to work, you just never know who's good
one to walk in, and so it could be a neighbor,
it could be somebody that's a super interested party, or
it could I mean, you just never know. It could
be I've even had former owners of homes come to
the house. They wanted to see what the person has
done to it.
Speaker 3 (22:15):
Can I go completely off a little bit and tie
this together a little bit to that point of like
just never knowing who you're gonna talk to and who
you're gonna bump into. Okay, I like running too Alie's
Bargain Ben because it's close by the house and they've
got all kinds of I'm a Ali's fan, right, I've
got by the way, it's really I mean it anyways,
I'm not saying it's it's good though. You can get
a lot of good stuff.
Speaker 2 (22:34):
But to your grocery shopping there.
Speaker 3 (22:35):
But there's a lady. There's a lady that works with
the cashier, older lady, super sweet. I talked to her
all the time. When I go in there. She knows
me that Michelle had my wife, had gone there. One day.
Speaker 1 (22:44):
She was like, she can tell you Brad or does
she call you baby?
Speaker 3 (22:47):
She calls me honey, okay, And Michelle went in there
says this is my My husband comes through all the
time and it's like is he the tall one? You know?
And get to talking to their day. She used to
be in banking, tells me what she's worked in thinking before.
She worked from my dad directly back in two thousand
and five. From two thousand to two thousand and five
here in Birmingham worked from my dad in the downtown
(23:09):
for the bank which is now went Superior now Okayden's Bank.
But work for my dad, Wow from Dadston And I
was like, yes, ma'am. She's like, is he still doing good?
Is he still working? I said yes, ma'am and just
blew my mind is so wild that that's how it
all comes. But anyways, just go look at it, John,
go look at the open housees. You never know you're
gonna see real quick. Smith loans dot com. Rates are great.
Speaker 1 (23:29):
Rates are great, like six is just six and then
government mid five five. Okay, hey, we gotta go. It's time.
But gustyguliscrip dot com, gustyguliscript dot com, bradsmithlones dot com,
it's us, Thanks so much, we'll catch you next time.
Speaker 3 (23:49):
Peace
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