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June 1, 2025 • 23 mins
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Episode Transcript

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Speaker 1 (00:01):
Welcome to Bob barn and Soul. Thank you so much
for joining us today in the studio. We have got
Woody Woodford from uh No, I don't. I just got
a text message from that is hilarious. I literally got
a text message from him. And that's why I said that.
So Brett smithlans dot com cross Country Mortgage.

Speaker 2 (00:24):
I was looking around. I was like, wait a minute,
there's some kind of joke. I'm looking around like that
is too funny.

Speaker 1 (00:29):
I literally got a text message from him, and I
was like, hey, I'm gonna oh yeah, see, you.

Speaker 2 (00:35):
Know, it just happens. It's June.

Speaker 1 (00:38):
It is, it is. How's everything going, man?

Speaker 2 (00:40):
Good? Good good? Just busy and running around and kids
have been out of school now for about a week
and so that's been its own set of challenges of
restructuring the daily routines and everything else. We got Tucker
in the studio hanging out with us. Sucker is hanging
out in the studio.

Speaker 1 (00:55):
Yeah, I'm sure Trip will probably come in and hang
out with us a little bit too. I've got Max
with the in laws right now, so but Trip might
make an appearance on the show. Max might make an
appearance it's just what happened.

Speaker 2 (01:12):
Just get in the car. Come on, we're going. We're
going out to the well.

Speaker 1 (01:17):
Yeah, it looks like we've you know, we've had another
busy week we had. I want to get shout outs
to some of our team members with contracts. So we
had one, two, three, four, five, six, seven, I know
we had ten contracts from it looks like eight agents.
Jonathan Weaver, TJ. Cunningham, Katie Scraven, Graham, Reesburg, Walker Gant,

(01:39):
Alita Piedra, Frieda Whitley, and Tony McDaniel's. Congratulations on your contracts.
I know, like Katie, I think had put together a
five home portfolio and I think a couple of more
folks she put under contract.

Speaker 2 (01:53):
She has been crushing it. So yeah, she was asking
about somebody for interance for an apartment complex. I'd center
my brother's information on that last week and I was like,
he might could do that. So yeah there, I mean.

Speaker 1 (02:05):
Yeah, I know she she she does have a couple
of clients that are looking for like some apartments, you know,
like six to twelve type. So hey, if you are
if you're looking at so if you've got like a
smaller apartment complex, and open to considering selling. Give us
a call two of five five four two nineteen ninety six.

(02:25):
We've got a we've got a couple of buyers that
are out there right now looking to grow their rental portfolio.
So you can call her text at that number. By
the way, Impromptu buyer needs. Yeah, imprompt two buy our needs.
We're just starting out early the other day, so well,
we're going to get into what we're seeing in the
market in our next segment, but we're going to talk

(02:46):
about our new listings and what we've got open house
this afternoon, and we're going to play our mortgage game.
And so Bra, would you tell our rules please for sure?

Speaker 2 (02:57):
So Gus, you'll go with some some listens they've got
coming to live open houses, and he'll give us some
descriptions and who may be who has the listing and
all that good stuff. But the main thing he's going
to be giving us is the list price of the
purchase price of the home. I will then give a
potential down payment that a buy er may make, and
then Gusty and John, we'll guess the thirty year fixed
monthly principal and interest only mortgage payment. So we will

(03:21):
go in from there, I'll give them the down payment
and then they'll love to fare at the loan amount
and guess their best effort at the thirty year fixed
monthly payment.

Speaker 1 (03:27):
All right, very good, Well, thank you so much for
explaining the rules. And h you know, if you're listening in,
follow along and see how good you are to the guests.
So we've got open this afternoon from two to four
in Helena. Go see Carla Dilaberto at five to one
three Rock Terrace Way that's in the Creekview neighborhood in Helena.

(03:51):
This one was built in twenty twenty three. It's five
bedrooms and let's see, five bedrooms in three baths, twenty
five hundred and eleven square feet.

Speaker 2 (04:00):
My goodness, that's a big house.

Speaker 1 (04:02):
Four forty four nine hundred and four forty four nine hundred,
so basically four hundred and forty five thousand dollars and
uh yeah, I mean five three two car garage. I
mean recently built in uh in the Great area, Helina area. Yeah,
that's also right.

Speaker 2 (04:20):
So four forty four nine rounding up to four forty five,
five percent down. We're gonna start off with five percent
down on.

Speaker 1 (04:26):
The first one five percent down, So that's like twenty
k all right, let's see. I'm gonna go with hmm,

(04:51):
how about twenty six seventeen.

Speaker 2 (04:55):
Twenty six seventeen? Got it?

Speaker 3 (05:00):
That was a very specific number. I don't like specific numbers. See,
i'll do. I like random numbers.

Speaker 2 (05:07):
I do too.

Speaker 4 (05:08):
Okay, I'll go.

Speaker 1 (05:09):
I think it's more just to make him calculate. Twenty
seven twenty seven, twenty seven, twenty seven. The actual payment
was twenty seven seventy seven.

Speaker 2 (05:19):
John gets you around one, all right, I'll take it
out the twos in the seven's were that was it
beginner's luck, all right.

Speaker 1 (05:29):
Our next new listing is in the Horizon Condos off
of Highway to eighty one O two Morning Sun Drive.
This is a two bedroom, two bath condo. Looks like
a main level unit, which is nice, eleven hundred and
thirty six square feet and we are asking one eighty
four to nine. This listing is courtesy of Kyle bed Good. So, Kyle,

(05:51):
congratulations on your new listing. One eighty four nine, all right,
ten percent down, ten percent down, John, ten percent down,
nine Okay.

Speaker 3 (06:03):
Let's see two bedrooms to bath one hundred and thirty
eight square feet. I'm gonna go with it's gonna be
rounds nine dollars a month. No no, no, no, no, no, no,
no no.

Speaker 4 (06:17):
I think eleven eleven hundred dollars a month.

Speaker 2 (06:21):
Eleven hundred. That was quite the adjustment. You got it in,
You got it in.

Speaker 4 (06:29):
All right, as long as it counts.

Speaker 1 (06:30):
Yeah, I'm going to go with a thousand eleven, one
thousand eleven.

Speaker 2 (06:34):
The actual payment was one thousand and ninety four dollars.

Speaker 4 (06:41):
John, what is going on adjustment?

Speaker 2 (06:44):
No no, no, no, no, no, no no no no.

Speaker 3 (06:46):
Well, I think because it's very close to what I
pay for my house, saying, well, mortgage people say, wait,
wait wait, I put down but I put down twenty percent.
I didn't put down ten percent, so I had to
I had to recalculate.

Speaker 1 (06:54):
And.

Speaker 2 (06:56):
Great calculation. No, I'm going to.

Speaker 1 (06:58):
Actually use that later. That's out, he says something. I'm
just gonna be.

Speaker 2 (07:02):
Like, yeah, all right.

Speaker 1 (07:06):
Our next new listing is in Gardendale on a half
acre lot one forty Camellia Avenue. Oh man, that just
sounds like a nice address, you know, Avenue one Camelia
Avenue in Gardendale. This was built in nineteen thirty three bedrooms,
two baths, fifteen hundred and two square feet, and we
are asking two hundred thousand dollars this one. And let's see,

(07:29):
roof was replaced a couple of years ago, a new
HVAC and duttwork just a couple of years ago. And uh,
granite countertops. It's ready to rock and roll, large back backyard. Wow,
two hundred k hard to five those these days, all right,
two hundred yeah, and listening as courtesy of Carlo Delaberto.

Speaker 2 (07:47):
Car has been busy. Yeah, it's got got another one,
all right, two hundred thousand, three percent down, three percent down,
We're on back to gusty first math there. Well, the
two hundred, the two hundred even made it easier I
should have. It's like six dollars hours. All right. I'm

(08:14):
gonna go with a man he's feeling some pressure. They
definitely feeling pressure.

Speaker 1 (08:26):
John had not all he's ever come out to, Oh
against me, He's.

Speaker 3 (08:33):
I'm coming in hot today. I'm gonna go with twelve eighty.

Speaker 5 (08:36):
Twelve eighty that's probably pretty close to it. I'm thinking,
I'm thinking he's all over I'm gonna say just.

Speaker 2 (08:51):
All over it because I know the answers and the numbers.

Speaker 4 (08:54):
I'm like, I don't know what that laugh means. I
don't know what I mean. I don't know how to
take that.

Speaker 2 (08:59):
I don't know either. I forget it that No, no, no,
I want you to go diabolical. It's a diabolical out
what you think, Yeah, you can't worry about about to
get the kill shot right here? Twelve twelve twelve twelve,
al right, went you went too low? Twelve seventy four.
That's what I was like, he is all over it.
I was like, he is all over John.

Speaker 1 (09:18):
I feel like you should probably have not said anything
because I feel like he where were you going to
come in at?

Speaker 2 (09:23):
I was actually gonna say, thirteen? Uh higher? Yeah?

Speaker 1 (09:27):
Okay, man, all right, this is good today.

Speaker 2 (09:32):
Tight shoe, Yeah all right.

Speaker 1 (09:34):
Our next listing is in the Indian Hills neighborhood in Pelham,
my old stomping Grounds, forty seven to eleven Chippewa Lane
h This one is on one point two acres. Built
in nineteen sixty eight, It's a four bedroom, three bath
house fifteen hundred and six square feet on the main level.

(09:55):
Got another eight hundred and sixty eight finished in the basement.
It's got a basement den, it's got a large yard.
It's got this two story storage area that if you
wanted to like finish it up, it could be totally amazing.
I mean that probably costs twenty five plus thousand dollars

(10:15):
to build in itself, So huge bonus having that in
the backyard and priced it three fifty nine to nine.
So excited about this listing. And Yeah, my baby, she's
a chip of wall. My baby is a chip of wall.

Speaker 2 (10:31):
She's one of my kind. All right, three nine, this
is in the country station.

Speaker 4 (10:35):
If I sing that song that help her?

Speaker 2 (10:37):
Yeah, yeah, little Indian outlaw, Yeah, Indyan out well, Old
Tim mcgrawl right, all right, three sixty three fifty three
fifty nine nine, twenty percent down, twenty percent down, and
you're even make us ad.

Speaker 3 (10:54):
Yeah, I was gonna say, so, I'm gonna go with
it's eighteen hundred. I have no idea what I'm doing.

Speaker 2 (11:09):
I'm gonna go with nineteen hundred.

Speaker 4 (11:12):
I almost feel like he's just going trying to go
a little higher.

Speaker 2 (11:15):
Well, he went enough higher because was eighteen ninety one.
Came back, babe, it was a great year. I came back.

Speaker 3 (11:23):
I can't believe I was as close as I was,
because I literally threw I was.

Speaker 2 (11:26):
Arguing that so quick that I was like twenty hundred
dollars three thousand.

Speaker 4 (11:32):
I literally threw out a number. The next one was
gonna be like nine.

Speaker 2 (11:34):
So hilarious.

Speaker 1 (11:36):
Yeah, it's kind of like the Knicks coming back against
Boston and Indiana.

Speaker 4 (11:42):
So it's it's all tied up.

Speaker 2 (11:45):
It is.

Speaker 1 (11:45):
Do you have like a do you have a tie breaker?
Usually he does want me. I can tell you.

Speaker 2 (11:51):
I was just gonna do the fifteen year AM on
that one. Okay, let's do it. Okay, that's my normal
tie breaker there. Fifteen year am three sixty three fifty
nine nine purchase price twenty percent down, fifteen year fixed
and what was the thirty year? The thirty year was
eighteen ninety one. Dad gum, this is It's always a

(12:15):
good time breaker.

Speaker 1 (12:17):
No doubt, no doubt. And I guess I'm on up first.
Actually I think it's John, Is it me? I think
so now that you've asked, but because.

Speaker 4 (12:28):
I did so, because it goes him, me, him, me him.

Speaker 2 (12:31):
It's back to gusty. It is gusty. Yeah, he's the odds.

Speaker 1 (12:37):
Did you see that gamesmanship of John.

Speaker 3 (12:41):
No, it's not normally when it's like, you know, nineteen
to zero.

Speaker 4 (12:45):
I see whatever, No it's not he's now I got
a shot.

Speaker 1 (12:51):
Today, we're having a waiter.

Speaker 4 (12:58):
Were actually have morning.

Speaker 2 (12:59):
We actually have a lot of fun doing this, all right,
okay't tell all right?

Speaker 1 (13:03):
Fifteen year am man, Good lord.

Speaker 2 (13:07):
I'm gonna go with.

Speaker 1 (13:11):
Oh my god, twenty seven oh one.

Speaker 2 (13:18):
I feel like that's low. I feel like it's like
three thousand. Well, the actual payment was two thousand and
five hundred and sixty eight dollars.

Speaker 4 (13:32):
But for a few moments there early on, it was looking.

Speaker 1 (13:35):
Pretty QoD man second half never hey, never count yourself out.

Speaker 2 (13:41):
And now better than luck? Next, what's next? All right?

Speaker 1 (13:50):
We got We've got a home in Odinville coming soon
on Jean Glenn Lane for three sixty nine nine. That's
gonna be coming up pretty soon. And I know we've
got a couple that are coming up in Alabaster, and
we've got a condo coming up in downtown Birmingham. So
got a couple of things coming up. I know we've

(14:10):
got a few more, but that's what I've got off
the top of my mind.

Speaker 2 (14:14):
There you go.

Speaker 1 (14:15):
We do have some buyer needs. We've got somebody looking
up to four hundred and Homewood, Hoover or Pelam. We've
got somebody looking up to one point one million, and
they are looking in some of the newer subdivisions of
Hoover and potentially Vestavia. It's just got to be a
home probably built within the last five years. We've got

(14:36):
somebody looking up to six twenty five in Vestavia, however,
no split level. So we've got somebody looking in Helena,
Helena or Pelam up to two fifty, and we've got
somebody looking for any potential investments three twos up to
one hundred thousand dollars, So that's there. Some are a byernege.
You can go to Gusty Gulisgroup dot com or two

(14:57):
five fourteen ninety six and maybe we could match some
folks off market. So, hey, guess what time it is.
Tucker is like, what is going on here?

Speaker 4 (15:09):
You know he can't hear any of the sound effects.

Speaker 1 (15:13):
Yeah, it's testimonial time.

Speaker 2 (15:17):
All right.

Speaker 4 (15:18):
Uh.

Speaker 1 (15:19):
We had a seamless experience with Carla Dilaberto. We are
a military family and we're connected to her, connected to
her by an affiliated company in North Carolina. She worked
with us while she was on vacation, always making us
feel heard and took time to listen to our needs.
A blessing came with an off market home, and Carla
was a strong advocate for our needs. Thank you, Carla,

(15:42):
so uh, what an awesome review. It's hard, you know,
relocating to a different area. So thank you so much
for the opportunity to represent you. And congratulations uh to
Carla on another five star review. And last, but not
least today, this one goes to Alita. Alita was amazing.

(16:03):
I was in a difficult selling situation and she worked
with me every step of the way. I'm impressed with
her knowledge and ability to adapt. Thank you, so thank
you for the opportunity to help you with selling your condo.
And Alita, congratulations on another five star reviews. There it
is for the day our five star reviews.

Speaker 2 (16:26):
How'd you like that? Tucker? He's like.

Speaker 1 (16:31):
You guys, So all right, well, thanks for thanks for
joining us on this first segment.

Speaker 2 (16:35):
Y'all stay tuned.

Speaker 1 (16:36):
We're gonna give you a little quick update of what's
going on in the real estate and the mortgage market
right here on Bardon Sold all right, we are back
and thanks for joining us. As always, Brad Smith with
Cross Country Mortgage Brad smithlans dot com, hanging out with
us each and every week. And hey, look, I you know,

(17:01):
I saw where stocks I saw where the real estate
stocks went up this week, and to me, that only
means that rates might be coming down in the near future.

Speaker 2 (17:11):
Do you have any good news for us? Brad? So well,
I guess I do. We actually had a h there
was it almost felt like it was in a time
machine from like a year ago about this time or
maybe a little maybe ten months ago, and they were
going back into the refi boom that's heading our way.
The refi boom is coming this way. So that was
the headline this past week. So if you're going with

(17:34):
the past week, yes, really the rates aren't there yet,
but that there's coming the upcoming and so that was
interesting to see. So now that you're bringing up what
you're talking about, that side of it is interesting. It
is interesting.

Speaker 1 (17:48):
So yeah, like for example, XP stock up, like that's amazing.
You know, that's the brokerage that we're We've got our Yeah,
we've got our licenses at right, So I hold a
pretty good amount of stocking exp and and and so
I saw a message alert that we were up twenty percent.

Speaker 2 (18:06):
And I was like, oh, yeah, baby, that's awesome. That's
what I'm talking about. Hundred percent. So we did get
a little bit of rate reduction this past week. I
they say the thirty year national average is back under seven,
so somewhere in that six point seventy five six point
seventy five range. It's probably where the average is right now.
So we're we're still hovering in that same kind. We're
not having any big swings. It's being fairly consistent. We're

(18:29):
seeing an eighth up or down here and there right now,
but nothing completely moving the needle. But I also find
that good just because we had so much volatility both directions.
It was like, okay, can we.

Speaker 1 (18:38):
See a percent up, half percent, and then you're just
looking for starting to get it to go half percent down?

Speaker 2 (18:42):
Yeah, one hundred percent. And when we did do that therefore,
and then all of a sudden, it went back up once.

Speaker 1 (18:47):
So it takes two months to go half percent down
in one week to go half percent up.

Speaker 2 (18:50):
Yeah, that'll make any sense. No, It's it's amazing how
those knee jerk reactions are to when it doesn't benefit
you and goes the other way. So anyway, So but no,
so I feel good about where we're going. And you know,
we're just now we're in the meat of the summer, right,
I mean we're in the back end of the second quarter,
which is already hard to believe that. I mean, I
mean like we're in the back half of the of

(19:12):
the second quarter, that's right, and then we're gonna be
We're gonna be in July, yeah, before we know it.
So it's just lightning quick.

Speaker 1 (19:20):
Well, I'm looking at so our main numbers. You know,
we're gonna we're gonna end this month around like thirty
seven home closings. Now we have some you know, we
we represent investors too, so there's some of that as
rental portfolio. But still so, but thirty seven. It's really
probably one of our best months in probably two years.

Speaker 2 (19:41):
That's amazing.

Speaker 1 (19:41):
Like, actually, let me look interesting, uh, you know, like
I keep my numbers because I want to know like
what's going on. So there, let's see, it's been literally
March of twenty three we sold thirty nine, so it's
been this is gonna be our best month in like
two years and then I'm looking at our June numbers

(20:03):
and our June numbers.

Speaker 2 (20:04):
I mean we've got uh, let's see June. Yeah, holy cow,
uh a, see.

Speaker 1 (20:16):
We got thirty three on the.

Speaker 2 (20:17):
Books already, already. Yeah.

Speaker 1 (20:20):
Again, some of those are rentals, like we've got we've
got people looking to acquire yeah uh still, you know,
and so like, if you're an investor, like, I'd love
to talk to talk with you and learn about what
your what your goals are, because we we've got folks
that invest all over the country, Like we get phone
calls from New York, California, like, hey, we love to
invest in Birmingham. So like, especially if you are a

(20:42):
local investor, like I would love to meet with you
and talk about you know, what, what does it look
like for you to invest here?

Speaker 2 (20:49):
Yeah, in town, so you know, and I think it's
better for the community. I mean, listen, you want influx
and competitive and you know, so if you've got people
coming in from different markets, it helps drive all the
real estate prices. I mean, you're it's all helps, but
it would it it'd be awesome to have more local
investors that are seeing their houses are on the ground,

(21:10):
care about how the streets look in the community around
it on top of it, So would love for people
to realize that Birmingham is like a hub for people
to get into real estate investment across the country. People
are flooding to this market because of how advantageous it is.
So we want our people around here in our care
communities to take advantage of it. That's right, That is right.

(21:32):
So it's it's really interesting to see kind of where
the market is. Have you seen an increase in pre
approvals or anything here lately? Yeah, we've had, We've yeah,
we've probably I probably had I think I think I
had eight pre approvals this past week, which it was
the high number and some of them and then we
had a couple of contracts come in this week also,
and and so that's that's all, you know, blowing and going. Yeah,

(21:53):
I mean, I think I think last week was kind
of a weird week being you know, what we talked
about as far as like school getting out and then
one more day was Monday. But I thought, I thought
after World Deck, I thought that people were going all
week in and and we had busy week following it.
So it'll be interesting.

Speaker 1 (22:08):
You know, typically what we see in the in the
you know, summertime is people are going in and out
of town for vacations. So some weeks, I think we
will find that it's going to spike and interesting. Then
some weeks is just dead as a door NW. So
there's a lot of you know, it's there's no rhyme
or reason. No, you know, but I've got people asking
me like, hey, do you want to you know, do

(22:29):
you want to price the home.

Speaker 2 (22:30):
A little bit higher?

Speaker 1 (22:31):
And I'm like, right now, no, I want to price
it right or even a hair under market so that
we can generate multiple interest and get try to raise.

Speaker 2 (22:40):
That PROJC and then we'll see where the market really is. Yeah,
and see where the market is.

Speaker 1 (22:43):
And and it's because I've had, you know, things that
I thought would fly off the market that were on
the market for three weeks, finally got it under contract,
and then you know, it's sometimes there's just no rhyme
or reason.

Speaker 2 (22:56):
Yeah.

Speaker 1 (22:56):
So but I will say from an expectation standpoint, I mean,
I'm just looking at my numbers, looking at what we've
got under contract, and I like what I'm seeing, love it.

Speaker 2 (23:09):
Do like what I'm seeing.

Speaker 1 (23:10):
So really kind of you know, best best that we've
got coming in the last couple of years. I felt like, so, hey,
I if you anything real estate relaated or mortgage related, like,
we'd love an opportunity to chat with you. So Brad
Smith Loans dot com. It's me Gustygoulisgroup dot com. We
would appreciate that opportunity for sure. All right, enjoyed it, man,

(23:33):
have a great rest your Sunday. Hey for finishing up baseball.

Speaker 2 (23:37):
I'm telling what are we gonna do? Probably find more baseball,
that's right.

Speaker 1 (23:41):
All right, Hey, thanks so much for joining us again
each and every Sunday. And uh we'll catch you next time.

Speaker 2 (23:46):
Peace,
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