Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
All right, welcome to Bot Bart and sold I hope
y'all are having a great morning.
Speaker 2 (00:06):
We got hanging out with us in the studio.
Speaker 1 (00:08):
Brad Smith, Bradsmith Loans dot Com, cross Country Mortgage. What's that,
Brad Smith?
Speaker 2 (00:13):
How are we all doing good? Doing good? Man?
Speaker 1 (00:17):
I saw you on the football fields coaching earlier this week.
Speaker 3 (00:21):
Yeah, man, it's uh, you know, there's nothing there's nothing
bigger than fourth grade football.
Speaker 2 (00:26):
Dude, it was really fun to watch. I'll tell you.
Speaker 3 (00:29):
It's pretty it's pretty good football for you know, nine
and ten year olds. I mean it's yeah, I mean,
it's it's it's probably you know, I've been more surprised,
like when I got into this last year, I've been
more surprised about what all we can do and like
what they buy and like what the kids can can
pull off. Like I mean, it's it's, it's it's it's
a lot of fun. But season's over, so that's a
little sad for a lot of us. But we started
(00:49):
on July twenty first, that was our first day of practice,
so so.
Speaker 2 (00:54):
We all do any kind of practices, like, you know.
Speaker 3 (00:57):
We talked about a spring training type deal, but it
just gets in the way with baseball because some of
the baseball and they're all gonna be on you know,
they all be on different teams for wreck baseball. It's
it's it's hard to pull off. But we're trying to
figure out something. We're we're already we had a little
coaches meeting after the other dyke and we've got a
couple of ways and maybe try to figure something out.
So anyways, but it was it was wet, it was cold,
(01:19):
but it was a lot of fun.
Speaker 2 (01:20):
There you go, all right, I like it. I like it.
Speaker 3 (01:22):
Thank you all for coming.
Speaker 2 (01:23):
Yeah, yeah, I had to get time.
Speaker 1 (01:24):
I brought Trip and Max and I wanted trips in
third grade, Max's in first and and I really wanted
to see you know, Trip has been talking about potentially
doing you know, tackle football. One of our concerns, as
you know, is he has one functioning kidney, and so
we're concerned about what is what is tackle right?
Speaker 2 (01:47):
What would tackle do?
Speaker 1 (01:48):
And and obviously we've we've been recommended to us that hey,
you know, it's probably not a good idea, but you know,
I also don't want if he wants to play, he
wants to play, and quite frankly, based on his size,
I think he could actually be pretty good.
Speaker 2 (02:04):
So he could.
Speaker 1 (02:05):
I think he could on defense, lay the lay the
pop on some folks.
Speaker 3 (02:09):
Not taking any rib shots or anything. And we didn't
need to on the gun. And there we got their
different padding and stuff. They can help with that.
Speaker 2 (02:15):
Song to you.
Speaker 1 (02:16):
And then Max is my quick kid. And that's not
to say that Trip is not, because Trip is very fast.
He's just bigger. But Max is my little he's he's
a little bit tinier and shiftier. Yeah, And so that said,
I said Trip is sneaky fast because he doesn't look fast,
and then my youngest was like, I'm sneaky fast, and
(02:39):
I'm like, dude, you're just fast. He wanted and he
wanted he wanted that extra.
Speaker 2 (02:46):
So that was kind of funny. So that was kind
of funny.
Speaker 1 (02:48):
So we're going to get into you know, we like
to talk about what we've got going on in our
lives and and you know, Halloween stuff and all the
fun and and I'm glad Halloween is over, just you know,
kind of turn the page.
Speaker 2 (03:01):
Let's move on.
Speaker 3 (03:01):
And we're like we're in the Halloween Mecca where we live. Yeah,
and so Halloween's big, Yeah, yeah.
Speaker 1 (03:10):
So you know, so what's gonna be interesting, Like, hey,
you know, we had a federal funds rate reduction this
past week. We'll talk about how that's going to impact
real estate in our next segment.
Speaker 2 (03:23):
But you know, I tell you we've been, We've been.
Speaker 1 (03:26):
I've got a couple of agents on our team that
are having you know, their best months ever. It looks
like Kyle when we we're gonna run our final numbers
this week, but it looks like Colin Isaac are going
to have their best months ever, which is really cool.
And then we've got We've got I've got a couple
of agents that are just getting started. So it looks
(03:46):
like we're about to have a couple of new faces
join the team, which is always fun. I love having
new folks join in. Like we've got Edwin on our team.
He's actually from France but has lived in New York
work and his wife is his wife is in law
school at Sanford and so that's what's brought them down here.
(04:07):
And he absolutely loves the South and it's so fun.
Speaker 2 (04:12):
He's the glustee I can't do and you know his impersonation,
but it's fun. Like he was hanging out with.
Speaker 1 (04:20):
Me this past week and and uh and so he's
gonna be holding a house open and and so with
that kind of being said, I think we should play
the game. We'll talk about our open houses this week,
our new listings, and we'll go from there.
Speaker 3 (04:34):
Yeah, all right, So Gussy's gonna go through the properties
and I'm gonna give some details about each one. He's
gonna give us the list price, and at the end
of the list price, I'm gonna give a potential down
payment that a bar may make on a home. And
then Gusty and John are going to guess the thirty
year fixed principal an interest only monthly payment. So with
all that being said.
Speaker 2 (04:52):
That's right, all right.
Speaker 1 (04:53):
Well, our first new listing of the week is in Alabaster.
It is going to be opened this after noon from
two to four. It is going to be hosted by
Edwin Sealini. And this is in Shelby Farms neighborhood one
oh nine Shelby Farms Drive. This home was built in
twenty seventeen, three bedrooms, two baths, single level garden home,
(05:14):
fourteen hundred and sixty one square feet and we're asking
two hundred and eighty five thousand, very cute house, granite, countertop, screen, porch,
fenced yard. You know, it's just one of those communities
that it's like a sidewalk community. So it's a very
good looking community. And for two eighty five you could
move to one oh nine Shelby Farms Drive.
Speaker 3 (05:37):
Two eighty five.
Speaker 2 (05:38):
That's great.
Speaker 3 (05:38):
Anything under three hundred like that, it's awesome. Right now,
that's great. All right, two eighty five, twoty five. We're
gonna start off putting five percent down, five percent down,
five percent down.
Speaker 1 (05:49):
We've got John in the studio. Hey, John, how you
going good? You're ready for Uh?
Speaker 4 (05:54):
I am gonna do my best, but you get to
go first.
Speaker 1 (05:57):
So all right, five percent then down. I'm gonna go with.
Speaker 2 (06:04):
Let's go with let's go with fifteen fifty.
Speaker 5 (06:13):
Pretty close. I was actually thinking fourteen. I was actually
gonna go with the crazy dates. So I was gonna
go fourteen ninety two.
Speaker 2 (06:19):
Okay, let's see what we got here.
Speaker 3 (06:21):
The actual payment is sixteen sixty seven.
Speaker 2 (06:25):
Whoa, we were a little low.
Speaker 3 (06:28):
A little prelude into the what the Fed funds rate
dropping did?
Speaker 2 (06:32):
It went up?
Speaker 3 (06:34):
Rates went up, mortgane rates went up.
Speaker 2 (06:36):
Oh my gosh, why why? I guess we'll talk about
it next segment, next segment.
Speaker 1 (06:42):
Hey, we've also got opened this afternoon from two to four.
Speaker 4 (06:46):
Go see TJ.
Speaker 1 (06:47):
Cunningham at We got some new construction in Crsswood. How
about that fifty three sixteen Fifth Court South. This was
built this year. Three bedrooms, two and a half baths,
sixteen hundred ninety four square feet on the main two levels.
Another finished room in the basement of ninety square feet
could be a great dinner office. It's got a one
(07:08):
car garage. And how about new construction in Crusswood three
eighty nine to nine, three eighty nine nine.
Speaker 3 (07:16):
Three eighty nine nine. This one, John, We're gonna put
ten percent down.
Speaker 4 (07:20):
You get to go first, ten percent down. I feel
like this property was on the list last week.
Speaker 2 (07:25):
Yeah, is it coming soon?
Speaker 5 (07:27):
But it was a different I think it was a
different percentage now as I recall, and I don't remember
any of that anyway.
Speaker 4 (07:31):
So I'm gonna go with I don't know, this doesn't
work as a date. Twenty eight eighty.
Speaker 2 (07:41):
How much? How much do you say down?
Speaker 3 (07:43):
Ten percent down?
Speaker 2 (07:44):
Ten percent down?
Speaker 3 (07:45):
Would you say?
Speaker 4 (07:46):
John? Twenty hundred dollars twenty eight hundred and eighty dollars.
Speaker 5 (07:50):
I thought that's what you said. I have no idea
if that is even a rational number.
Speaker 1 (07:56):
I'm thinking it's a little high, by the way, So
you can come back around and call it. Call a
friend if you want to, maybe call JT or something.
Speaker 4 (08:09):
I would be that you would call would he be?
I would not call JT.
Speaker 2 (08:14):
He probably sleeps in on Sunday.
Speaker 3 (08:16):
Probably talk to the guy that was out front when
he let me in earlier before. Yeah, all right, JT's
catching shrapnel.
Speaker 2 (08:23):
So yeah, yeah, yeah, all right, let's uh, let's go
with let's go with twenty two hundred.
Speaker 3 (08:32):
The actual payment was twenty one and sixty one dollars around.
Speaker 5 (08:37):
Hey, he was a little high, though, he was a
little high, I mean not as high as maybe.
Speaker 2 (08:43):
Right.
Speaker 1 (08:45):
Hey, we've got a new price on a house in
Bluff Park and uh and it's going to be open
from twelve to one thirty today, so TJ is doing
double duty.
Speaker 2 (08:55):
Go see t J.
Speaker 1 (08:56):
Cunningham at twenty sixteen Chapel Road, open from twelve to
one thirty. This one has four bedrooms, two and a
half pass, thirty six hundred square feet. Holy moly, that's
a lot of space built in nineteen sixty one point
four of an acre lot. This was This is just
a couple of lots down from Shades Crest, so super
convenient location between Shades Crest and Park Avenue and Bluff Park.
(09:20):
And I like how TJ calls this chalet chic. That's
one of my favorite descriptions. And this one's priced at
five sixty five hundred and sixty thousand.
Speaker 3 (09:30):
Five sixty. We're back to Gusty. We're gonna put ten
percent down, ten percent, okay, ten percent, ten percent, let's
go with.
Speaker 2 (09:46):
Thirty two hundred bucks.
Speaker 5 (09:51):
I'm gonna go lower than that, but not too much lower.
For three thousand dollars.
Speaker 3 (10:01):
Three thousand dollars. The actual payment was three thousand, one
hundred and three dollars. Gusty gets round thirty by way
three dollars.
Speaker 2 (10:08):
Wow, good night, that was a close one.
Speaker 3 (10:15):
Yeah, buddy, not really.
Speaker 1 (10:17):
Well, Hey, we got another new listing. This is a
Pleasant Grove seven thirty five tenth Way, seven thirty five
tenth Way and Pleasant Grove built in nineteen eighty one.
It's on point three six of an acre. Three bedrooms,
one and a half baths, twelve hundred and twenty five
square feet. We're asking one hundred and thirty eight thousand,
and this one is a spacious lot and it also
(10:38):
has recent upgrades of a new HVAC system and a
full crawl space and capulation, so maybe you can eat
dinner from from the crawl space. So this listing is
courtesy of Graham Rieseberg's that congratulations on your new listing, Graham.
One thirty eight one eight three percent down, three percent down?
Speaker 2 (11:04):
Who's it on?
Speaker 3 (11:05):
John?
Speaker 2 (11:06):
All right?
Speaker 5 (11:06):
About how about nine hundred and sixty dollars.
Speaker 2 (11:19):
I'm gonna go with nine hundred and twenty dollars.
Speaker 3 (11:23):
The actual payment was eight hundred and twenty four dollars. Wow,
Gustie's four in a row. We got one more, though
I believe.
Speaker 2 (11:32):
It's been I've been high on every single one.
Speaker 3 (11:34):
Except for that first one.
Speaker 2 (11:35):
O was I not you?
Speaker 3 (11:37):
That's the one we are a little bit with calibrating. Yeah,
I've just made an eighth of a rate of adjustment
on there again.
Speaker 1 (11:45):
All right, And our last new listing of the week
is on an acre lot in Mount Olive thirty ninety
three Mount Olive Road. This one is a cute cottage
in built in nineteen forty three bedrooms, two baths, sixteen
hundred and thirty two square feet. So I say cute
because it's cute, not because the size, because this is
actually a pretty large, you know, bungalow. We're asking two
(12:09):
hundred and seventy five thousand, so one acre mount. All
of this is in Gardendale School District. Two hundred and
seventy five thousand dollars. Courts, countertops. By the way, it's
got fresh paint. Flooring is a couple of years old.
Speaker 3 (12:24):
You know, great area is to move right on you
or that's a great area too. It's awesome out there.
Two seventy five you said, yeah, twenty percent.
Speaker 1 (12:33):
Down twenty percent. Now it's like twenty minutes from downtown. Actually,
she said, seventeen minutes from downtown to downtown. Pretty sweet.
Two seventy five and how much down? Twenty twenty it's
on me, right, No, I think it's me yeah, yeah, because.
Speaker 2 (12:48):
You had the three percent, right, that's right, I did.
Speaker 4 (12:50):
I did.
Speaker 2 (12:52):
I'm gonna go with the let's go fourteen hundred.
Speaker 5 (12:59):
That sounds reasonable because twenty percent down, so that's like,
you know, it's like, you know, fifty off. So you're
really financing like two twenty something or something like that.
So what do you say?
Speaker 2 (13:13):
I said fourteen hundred. I was thinking twelve hundred.
Speaker 1 (13:15):
So do you think that you can get it this
one today? This is your last opportunity? John, all right,
twelve fifty financer.
Speaker 2 (13:24):
Oh I think you may have gotten it now.
Speaker 3 (13:26):
The actual payment was thirteen fifty four. It was a
clean sleep.
Speaker 1 (13:30):
Oh my gosh, wow, look at that.
Speaker 4 (13:35):
This was not my week.
Speaker 1 (13:36):
This was definitely not your week, Bud. But hey, five
and oh, let's go, let's go.
Speaker 2 (13:41):
Hey.
Speaker 1 (13:41):
We've also got another listing coming soon in Hubetown. Three bedrooms,
one bath. It's gonna be one fifty four to nine.
This one is fourteen hundred and forty square feet and
this one has new floring, new paint, some new appliances, fence, backyards,
got a shed that stay in, got a nice new
so yeah, uh, that's gonna be coming up next week.
(14:05):
So we also got one in Moody and Krills Crossing
that's gonna be coming up ten sixty five Krill Drive,
built just a few years ago. It's a four bedroom,
three baths, seventeen hundred and eighty eight square feet on
the main eight hundred and sixteen square feet finished in
the basement for four hundred and fifty thousand. So got
a couple of buyer needs I want to touch on.
Speaker 2 (14:25):
Uh.
Speaker 1 (14:25):
I've got somebody that's looking near Rocky Ridge Road up
to four hundred thousand, so something it can be in county,
it can be Vestavia, can be Hoover, but something near
Rocky Ridge Road. I've got somebody looking up to five
hundred and Homewood. They're also consider Cresswood, Highland Park, Forest Park,
Mountain Brook Crest Line, so just kind of that general
(14:48):
over the mountain or close to over the mountain area.
And we've got somebody looking up to three fifty near Greystone, YMCA.
So if you've got a house near Greystone, YMCA, I've
got somebody looking in that price rang. We've also had
somebody looking for a four bedroom, three bath on at
least an acre in North Shelby County one caveat not
in Chelsea. They want at least three thousand square feet
(15:12):
and they say the less stares the better, and it's
up to six hundred thousand, so they are pretty dialed
in on what they want. So against Chelsea, you know,
I'm not sure exactly. One of the girls on our
team is working with them, and so I don't know
exactly what they got. Again, maybe they are in Chelsea
and they're ready to get out.
Speaker 2 (15:29):
Who knows.
Speaker 1 (15:31):
So if you have anything that matches some of our
VP buyer needs, call us at two five five four
two nineteen ninety six, so you can go to Gustygoulissgroup
dot com. Oh hey, guess what time it is. That's right,
it's testimonial time. All right, this one goes out. This
(15:52):
one's for Kyle. Kyle actually made my experience and purchasing
my forever home enjoyable. From contract to close. He was
there every step of the way, answering any and all
questions I had promptly. He's truly genuine and cares about
his clients. I not only found a great realtor, I
gained a great friend. I will always recommend Kyle and
(16:13):
the Gusty Goulis Group for any and all realtor needs.
Thank you, Kyle. So congratulations on your new home and Kyle, congratulations.
Speaker 2 (16:21):
On another star review.
Speaker 1 (16:26):
It's so funny to see both of y'all. Y'all like
y'all like get back, like y'all move back in your chair.
Speaker 4 (16:31):
I don't want to.
Speaker 1 (16:34):
You'll get back in your microphone to get like amped
up for that. So it's really fun to watch here
and see it and if you're following along listening in
your car or whatnot. But all right, anyways, Uh, we're
stay tuned. We're gonna go to break. Uh we're gonna
talk about what is the Fed funds rate that drop
this week? Doing t interest rates right now here on
Bob bart and Sold.
Speaker 2 (16:59):
All right, welcome back to Bob bart and Sold.
Speaker 1 (17:01):
Thank you again as always for joining us. We've been
doing this for the last five years. Holy moly, that's
been crazy. And so we have seen rates all over
the place in the last five years. We've seen them
at like two point eight seventy five, we've seen them
at like eight and a half, and we had a
(17:23):
nice little Fed Funds rate reduction this past week. What
in the world is it doing to interest rates for us?
Speaker 2 (17:30):
There? Brad Smith with Cross Country Mortgage.
Speaker 3 (17:32):
Yeah, so, you know, like we talked about and we've
talked about previously, and for your first time listening, we'll
kind of go back over it. But because the you know,
the expectancy was to get another quarter twenty five basis
point drop. So the market was already reacting because the
mortgage rate's'ur in real time. There's nobody that just sets
a mortgage rate, right, I mean, there's it's it's a
(17:53):
moving target. It's it's an investible things. It moves intra
day throughout, so you know it. It has been responding
like there was going to be a twenty five basis
point all the way up to it. So then what
we get is, now, how did the FED meeting go?
And we get the actual conversations from the FED chair
(18:16):
president and then we have the Q and A with
him afterwards. Yep, all right, So then so that's where
it sets the tone of what are we looking at
for the rest of the year and on and that
then they go through a full two year progression.
Speaker 2 (18:28):
Gotcha it.
Speaker 3 (18:30):
You know, it came out a little more like this
could possibly be the last cut this year. Okay, And
so I think we're all still kind of They've got
one more meeting, right, We've got another meeting. You know,
I think there was some anticipation that that would probably
get another, you know, the third one, and we may
but it's it's not as after the conversations some of
the comments yesterday, it didn't look as promising that we
(18:51):
were going to get that other twenty five basis point cut.
The government still shut down day passed day thirty this
past week of the government shut down.
Speaker 1 (19:00):
The last time it has been like what since twenty sixteen,
since that's happened, yep, I mean, like John's more of
our wizard on that well, and.
Speaker 3 (19:06):
Food stamps are going to be drying, I mean aren't
going to be going you have to on November first,
like I mean, it's it's it's we're in a bad
situation right now on that. So the market's also just
still real hesitant to respond to what's what the long
term effects are even when they do open back up
of what's happened over the last thirty two days now,
So you got those things going in a little bit
(19:27):
of hesitancy from the federal Reserve on kind of if
they think maybe or maybe not we They had two
dissenters in this vote, so two guys one wanted to
one went out because he wanted to fifty bip reduction.
Speaker 2 (19:39):
In one same guys last time yes, and then and.
Speaker 3 (19:42):
Then the other one the other way and thought we
shouldn't cut anything really, and so you know, you had
one on each side of the spectrum, then everybody else
settled in at twenty five base, right, And.
Speaker 5 (19:50):
So aren't they missing the The problem is they're missing
the unemployment numbers right now.
Speaker 2 (19:54):
Because the closure.
Speaker 3 (19:55):
Yep, yep, yep. So they're kind of dark. They're kind
of in the dark a little bit right now on
some on some of this stuff. And yeah, so they've
also you know, kind of said they'renna start doing you know,
quit the runoff on the balance sheet some other stuff
that's gonna be how they're gonna reinvest in what they're
gonna put it in. You know, we would love for
them to come out and say one of these meetings
they're gonna start going ramping back up in their investments
(20:15):
into the mortgage backed security funds like they did right
to help move rates down, because again that that makes
you know, there's there's more demand for it, so then
mortgage acts can keep coming down. So really we would
like to see them start trying to put some money
back into them buying investments into the mortgage backed securities
that would do the most for rates. They didn't come
out and say that. So now we're just kind of
back with the market, but we've settled in. We're still
(20:38):
in that those middle oast sixes. We're talking about maybe
an eighth difference on the thirty year fixed average. So
if the nationals say somewhere around six point two four
last week, we're probably gonna be looking around six point
three eighth this week or somewhere in that range. So
you know, it's not not earth shattering. Again, that's average
government loans. They're still in the in the upper five.
(21:01):
We still got things that are getting down closer to six.
But yeah, I mean again, as we get closer to
the next meeting and we start getting a better idea
of what the tone is going to be of that,
and if we're looking more and more likely to get
another reduction, we'll see another run on mortgage. It's getting
dropped down. So you know, we're just kind of we're
still holding water. Though it wasn't a huge reaction. It
(21:22):
was just kind of like, Okay, we've already built into
pricing for this twenty five basis point reduction. Now let's
start seeing if we need to react to what we
think the next one's going to be and since there
wasn't impact of probably another one, we're like, okay, let's
pull back a little bit and see what they're going
to figure out. So it was a pretty normal I mean,
we talk about it. It proves a pretty normal reaction
based on what the comments in the Q and A were.
Speaker 1 (21:42):
Yeah, yeah, anyways, man, super interesting stuff. I mean, I
think it's you know, I think a lot of I
guess has to do with the.
Speaker 2 (21:49):
Government shut down and they don't know some of this stuff.
Speaker 1 (21:51):
But you know, I feel like, I mean, rates are
now hovering in the still the low sixes, but you know,
it's been interesting to watch when they reduce that and
then interest rates have been ticking up, and it makes
it's it's wild to me, but you know.
Speaker 3 (22:08):
And we still we had a call yesterday as a
region for cross country, and you know, it was about
that we're getting into the refight boom. There's that many
people over the last three years going back to that rate.
So when you say you talked about that are in
those sevens and eights, Like, hey, ready, I can get
six in a quarter and get this thing down. Let's move.
So it's already happening. I mean, you see it. It's
(22:30):
already there. So think about that too if you're out
there looking to purchase the home. We've got people refinancing
to this. People are one hundred percent and then people also,
people's homes are worth more than have ever been, so
people are also getting cash out. But but yeah, I mean,
you know, just think about that when you're buying a house.
Us think the rates are high, people are already refinancing
to get to this rate. So we're we're we're kind
of in that sweet spot where you know, if you're
(22:53):
worried about the rate now, then you're just not interested.
You're not really buying, Like I mean, if you're going
to buy something that the rate shouldn't be holding you back.
That's that's my pip talk for them.
Speaker 2 (23:01):
Well, I appreciate you that. I think it's important.
Speaker 1 (23:04):
I mean, you know, and I think what it's doing is,
you know, what we're finding is I am getting actually
more phone calls of people willing to sell their house, right,
And I think that's a great thing. And it just
kind of goes along with the theme that we've we've
been talking about for the last month as the call
before the storm, like hey, it's probably a buyer's market
for the next four or five months, and then when
(23:25):
it hits March, like seriously, it's going to be multiple
offers because we're we're looking you know, low sixes, probably
high fives, you know, mid fives on government loans, and
my goodness, people are gonna get off the fence. They're
going to be ready. They've been sitting on the sidelines.
They're they are ready to make a change. And that's
conversations we're having with the buyers. So AnyWho, that's what's
(23:46):
going on in the real estate market, the mortgage market.
And then for any of y'all's real estate needs go
to Gustygoulisgroup dot com or for any like if you
want to buy a house and need a loan or
get a refive, go to Bradsmith Loans dot com.
Speaker 2 (23:59):
Hey, thanks so much for joining, and sorry John, I
beat you this week.
Speaker 4 (24:02):
It happens.
Speaker 2 (24:04):
All right, y'all, have a great week. Talk to you later.
M
All right, welcome to Bot Bart and sold I hope
y'all are having a great morning.
Speaker 2 (00:06):
We got hanging out with us in the studio.
Speaker 1 (00:08):
Brad Smith, Bradsmith Loans dot Com, cross Country Mortgage. What's that,
Brad Smith?
Speaker 2 (00:13):
How are we all doing good? Doing good? Man?
Speaker 1 (00:17):
I saw you on the football fields coaching earlier this week.
Speaker 3 (00:21):
Yeah, man, it's uh, you know, there's nothing there's nothing
bigger than fourth grade football.
Speaker 2 (00:26):
Dude, it was really fun to watch. I'll tell you.
Speaker 3 (00:29):
It's pretty it's pretty good football for you know, nine
and ten year olds. I mean it's yeah, I mean,
it's it's it's probably you know, I've been more surprised,
like when I got into this last year, I've been
more surprised about what all we can do and like
what they buy and like what the kids can can
pull off. Like I mean, it's it's, it's it's it's
a lot of fun. But season's over, so that's a
little sad for a lot of us. But we started
(00:49):
on July twenty first, that was our first day of practice,
so so.
Speaker 2 (00:54):
We all do any kind of practices, like, you know.
Speaker 3 (00:57):
We talked about a spring training type deal, but it
just gets in the way with baseball because some of
the baseball and they're all gonna be on you know,
they all be on different teams for wreck baseball. It's
it's it's hard to pull off. But we're trying to
figure out something. We're we're already we had a little
coaches meeting after the other dyke and we've got a
couple of ways and maybe try to figure something out.
So anyways, but it was it was wet, it was cold,
(01:19):
but it was a lot of fun.
Speaker 2 (01:20):
There you go, all right, I like it. I like it.
Speaker 3 (01:22):
Thank you all for coming.
Speaker 2 (01:23):
Yeah, yeah, I had to get time.
Speaker 1 (01:24):
I brought Trip and Max and I wanted trips in
third grade, Max's in first and and I really wanted
to see you know, Trip has been talking about potentially
doing you know, tackle football. One of our concerns, as
you know, is he has one functioning kidney, and so
we're concerned about what is what is tackle right?
Speaker 2 (01:47):
What would tackle do?
Speaker 1 (01:48):
And and obviously we've we've been recommended to us that hey,
you know, it's probably not a good idea, but you know,
I also don't want if he wants to play, he
wants to play, and quite frankly, based on his size,
I think he could actually be pretty good.
Speaker 2 (02:04):
So he could.
Speaker 1 (02:05):
I think he could on defense, lay the lay the
pop on some folks.
Speaker 3 (02:09):
Not taking any rib shots or anything. And we didn't
need to on the gun. And there we got their
different padding and stuff. They can help with that.
Speaker 2 (02:15):
Song to you.
Speaker 1 (02:16):
And then Max is my quick kid. And that's not
to say that Trip is not, because Trip is very fast.
He's just bigger. But Max is my little he's he's
a little bit tinier and shiftier. Yeah, And so that said,
I said Trip is sneaky fast because he doesn't look fast,
and then my youngest was like, I'm sneaky fast, and
(02:39):
I'm like, dude, you're just fast. He wanted and he
wanted he wanted that extra.
Speaker 2 (02:46):
So that was kind of funny. So that was kind
of funny.
Speaker 1 (02:48):
So we're going to get into you know, we like
to talk about what we've got going on in our
lives and and you know, Halloween stuff and all the
fun and and I'm glad Halloween is over, just you know,
kind of turn the page.
Speaker 2 (03:01):
Let's move on.
Speaker 3 (03:01):
And we're like we're in the Halloween Mecca where we live. Yeah,
and so Halloween's big, Yeah, yeah.
Speaker 1 (03:10):
So you know, so what's gonna be interesting, Like, hey,
you know, we had a federal funds rate reduction this
past week. We'll talk about how that's going to impact
real estate in our next segment.
Speaker 2 (03:23):
But you know, I tell you we've been, We've been.
Speaker 1 (03:26):
I've got a couple of agents on our team that
are having you know, their best months ever. It looks
like Kyle when we we're gonna run our final numbers
this week, but it looks like Colin Isaac are going
to have their best months ever, which is really cool.
And then we've got We've got I've got a couple
of agents that are just getting started. So it looks
(03:46):
like we're about to have a couple of new faces
join the team, which is always fun. I love having
new folks join in. Like we've got Edwin on our team.
He's actually from France but has lived in New York
work and his wife is his wife is in law
school at Sanford and so that's what's brought them down here.
(04:07):
And he absolutely loves the South and it's so fun.
Speaker 2 (04:12):
He's the glustee I can't do and you know his impersonation,
but it's fun. Like he was hanging out with.
Speaker 1 (04:20):
Me this past week and and uh and so he's
gonna be holding a house open and and so with
that kind of being said, I think we should play
the game. We'll talk about our open houses this week,
our new listings, and we'll go from there.
Speaker 3 (04:34):
Yeah, all right, So Gussy's gonna go through the properties
and I'm gonna give some details about each one. He's
gonna give us the list price, and at the end
of the list price, I'm gonna give a potential down
payment that a bar may make on a home. And
then Gusty and John are going to guess the thirty
year fixed principal an interest only monthly payment. So with
all that being said.
Speaker 2 (04:52):
That's right, all right.
Speaker 1 (04:53):
Well, our first new listing of the week is in Alabaster.
It is going to be opened this after noon from
two to four. It is going to be hosted by
Edwin Sealini. And this is in Shelby Farms neighborhood one
oh nine Shelby Farms Drive. This home was built in
twenty seventeen, three bedrooms, two baths, single level garden home,
(05:14):
fourteen hundred and sixty one square feet and we're asking
two hundred and eighty five thousand, very cute house, granite, countertop, screen, porch,
fenced yard. You know, it's just one of those communities
that it's like a sidewalk community. So it's a very
good looking community. And for two eighty five you could
move to one oh nine Shelby Farms Drive.
Speaker 3 (05:37):
Two eighty five.
Speaker 2 (05:38):
That's great.
Speaker 3 (05:38):
Anything under three hundred like that, it's awesome. Right now,
that's great. All right, two eighty five, twoty five. We're
gonna start off putting five percent down, five percent down,
five percent down.
Speaker 1 (05:49):
We've got John in the studio. Hey, John, how you
going good? You're ready for Uh?
Speaker 4 (05:54):
I am gonna do my best, but you get to
go first.
Speaker 1 (05:57):
So all right, five percent then down. I'm gonna go with.
Speaker 2 (06:04):
Let's go with let's go with fifteen fifty.
Speaker 5 (06:13):
Pretty close. I was actually thinking fourteen. I was actually
gonna go with the crazy dates. So I was gonna
go fourteen ninety two.
Speaker 2 (06:19):
Okay, let's see what we got here.
Speaker 3 (06:21):
The actual payment is sixteen sixty seven.
Speaker 2 (06:25):
Whoa, we were a little low.
Speaker 3 (06:28):
A little prelude into the what the Fed funds rate
dropping did?
Speaker 2 (06:32):
It went up?
Speaker 3 (06:34):
Rates went up, mortgane rates went up.
Speaker 2 (06:36):
Oh my gosh, why why? I guess we'll talk about
it next segment, next segment.
Speaker 1 (06:42):
Hey, we've also got opened this afternoon from two to four.
Speaker 4 (06:46):
Go see TJ.
Speaker 1 (06:47):
Cunningham at We got some new construction in Crsswood. How
about that fifty three sixteen Fifth Court South. This was
built this year. Three bedrooms, two and a half baths,
sixteen hundred ninety four square feet on the main two levels.
Another finished room in the basement of ninety square feet
could be a great dinner office. It's got a one
(07:08):
car garage. And how about new construction in Crusswood three
eighty nine to nine, three eighty nine nine.
Speaker 3 (07:16):
Three eighty nine nine. This one, John, We're gonna put
ten percent down.
Speaker 4 (07:20):
You get to go first, ten percent down. I feel
like this property was on the list last week.
Speaker 2 (07:25):
Yeah, is it coming soon?
Speaker 5 (07:27):
But it was a different I think it was a
different percentage now as I recall, and I don't remember
any of that anyway.
Speaker 4 (07:31):
So I'm gonna go with I don't know, this doesn't
work as a date. Twenty eight eighty.
Speaker 2 (07:41):
How much? How much do you say down?
Speaker 3 (07:43):
Ten percent down?
Speaker 2 (07:44):
Ten percent down?
Speaker 3 (07:45):
Would you say?
Speaker 4 (07:46):
John? Twenty hundred dollars twenty eight hundred and eighty dollars.
Speaker 5 (07:50):
I thought that's what you said. I have no idea
if that is even a rational number.
Speaker 1 (07:56):
I'm thinking it's a little high, by the way, So
you can come back around and call it. Call a
friend if you want to, maybe call JT or something.
Speaker 4 (08:09):
I would be that you would call would he be?
I would not call JT.
Speaker 2 (08:14):
He probably sleeps in on Sunday.
Speaker 3 (08:16):
Probably talk to the guy that was out front when
he let me in earlier before. Yeah, all right, JT's
catching shrapnel.
Speaker 2 (08:23):
So yeah, yeah, yeah, all right, let's uh, let's go
with let's go with twenty two hundred.
Speaker 3 (08:32):
The actual payment was twenty one and sixty one dollars around.
Speaker 5 (08:37):
Hey, he was a little high, though, he was a
little high, I mean not as high as maybe.
Speaker 2 (08:43):
Right.
Speaker 1 (08:45):
Hey, we've got a new price on a house in
Bluff Park and uh and it's going to be open
from twelve to one thirty today, so TJ is doing
double duty.
Speaker 2 (08:55):
Go see t J.
Speaker 1 (08:56):
Cunningham at twenty sixteen Chapel Road, open from twelve to
one thirty. This one has four bedrooms, two and a
half pass, thirty six hundred square feet. Holy moly, that's
a lot of space built in nineteen sixty one point
four of an acre lot. This was This is just
a couple of lots down from Shades Crest, so super
convenient location between Shades Crest and Park Avenue and Bluff Park.
(09:20):
And I like how TJ calls this chalet chic. That's
one of my favorite descriptions. And this one's priced at
five sixty five hundred and sixty thousand.
Speaker 3 (09:30):
Five sixty. We're back to Gusty. We're gonna put ten
percent down, ten percent, okay, ten percent, ten percent, let's
go with.
Speaker 2 (09:46):
Thirty two hundred bucks.
Speaker 5 (09:51):
I'm gonna go lower than that, but not too much lower.
For three thousand dollars.
Speaker 3 (10:01):
Three thousand dollars. The actual payment was three thousand, one
hundred and three dollars. Gusty gets round thirty by way
three dollars.
Speaker 2 (10:08):
Wow, good night, that was a close one.
Speaker 3 (10:15):
Yeah, buddy, not really.
Speaker 1 (10:17):
Well, Hey, we got another new listing. This is a
Pleasant Grove seven thirty five tenth Way, seven thirty five
tenth Way and Pleasant Grove built in nineteen eighty one.
It's on point three six of an acre. Three bedrooms,
one and a half baths, twelve hundred and twenty five
square feet. We're asking one hundred and thirty eight thousand,
and this one is a spacious lot and it also
(10:38):
has recent upgrades of a new HVAC system and a
full crawl space and capulation, so maybe you can eat
dinner from from the crawl space. So this listing is
courtesy of Graham Rieseberg's that congratulations on your new listing, Graham.
One thirty eight one eight three percent down, three percent down?
Speaker 2 (11:04):
Who's it on?
Speaker 3 (11:05):
John?
Speaker 2 (11:06):
All right?
Speaker 5 (11:06):
About how about nine hundred and sixty dollars.
Speaker 2 (11:19):
I'm gonna go with nine hundred and twenty dollars.
Speaker 3 (11:23):
The actual payment was eight hundred and twenty four dollars. Wow,
Gustie's four in a row. We got one more, though
I believe.
Speaker 2 (11:32):
It's been I've been high on every single one.
Speaker 3 (11:34):
Except for that first one.
Speaker 2 (11:35):
O was I not you?
Speaker 3 (11:37):
That's the one we are a little bit with calibrating. Yeah,
I've just made an eighth of a rate of adjustment
on there again.
Speaker 1 (11:45):
All right, And our last new listing of the week
is on an acre lot in Mount Olive thirty ninety
three Mount Olive Road. This one is a cute cottage
in built in nineteen forty three bedrooms, two baths, sixteen
hundred and thirty two square feet. So I say cute
because it's cute, not because the size, because this is
actually a pretty large, you know, bungalow. We're asking two
(12:09):
hundred and seventy five thousand, so one acre mount. All
of this is in Gardendale School District. Two hundred and
seventy five thousand dollars. Courts, countertops. By the way, it's
got fresh paint. Flooring is a couple of years old.
Speaker 3 (12:24):
You know, great area is to move right on you
or that's a great area too. It's awesome out there.
Two seventy five you said, yeah, twenty percent.
Speaker 1 (12:33):
Down twenty percent. Now it's like twenty minutes from downtown. Actually,
she said, seventeen minutes from downtown to downtown. Pretty sweet.
Two seventy five and how much down? Twenty twenty it's
on me, right, No, I think it's me yeah, yeah, because.
Speaker 2 (12:48):
You had the three percent, right, that's right, I did.
Speaker 4 (12:50):
I did.
Speaker 2 (12:52):
I'm gonna go with the let's go fourteen hundred.
Speaker 5 (12:59):
That sounds reasonable because twenty percent down, so that's like,
you know, it's like, you know, fifty off. So you're
really financing like two twenty something or something like that.
So what do you say?
Speaker 2 (13:13):
I said fourteen hundred. I was thinking twelve hundred.
Speaker 1 (13:15):
So do you think that you can get it this
one today? This is your last opportunity? John, all right,
twelve fifty financer.
Speaker 2 (13:24):
Oh I think you may have gotten it now.
Speaker 3 (13:26):
The actual payment was thirteen fifty four. It was a
clean sleep.
Speaker 1 (13:30):
Oh my gosh, wow, look at that.
Speaker 4 (13:35):
This was not my week.
Speaker 1 (13:36):
This was definitely not your week, Bud. But hey, five
and oh, let's go, let's go.
Speaker 2 (13:41):
Hey.
Speaker 1 (13:41):
We've also got another listing coming soon in Hubetown. Three bedrooms,
one bath. It's gonna be one fifty four to nine.
This one is fourteen hundred and forty square feet and
this one has new floring, new paint, some new appliances, fence, backyards,
got a shed that stay in, got a nice new
so yeah, uh, that's gonna be coming up next week.
(14:05):
So we also got one in Moody and Krills Crossing
that's gonna be coming up ten sixty five Krill Drive,
built just a few years ago. It's a four bedroom,
three baths, seventeen hundred and eighty eight square feet on
the main eight hundred and sixteen square feet finished in
the basement for four hundred and fifty thousand. So got
a couple of buyer needs I want to touch on.
Speaker 2 (14:25):
Uh.
Speaker 1 (14:25):
I've got somebody that's looking near Rocky Ridge Road up
to four hundred thousand, so something it can be in county,
it can be Vestavia, can be Hoover, but something near
Rocky Ridge Road. I've got somebody looking up to five
hundred and Homewood. They're also consider Cresswood, Highland Park, Forest Park,
Mountain Brook Crest Line, so just kind of that general
(14:48):
over the mountain or close to over the mountain area.
And we've got somebody looking up to three fifty near Greystone, YMCA.
So if you've got a house near Greystone, YMCA, I've
got somebody looking in that price rang. We've also had
somebody looking for a four bedroom, three bath on at
least an acre in North Shelby County one caveat not
in Chelsea. They want at least three thousand square feet
(15:12):
and they say the less stares the better, and it's
up to six hundred thousand, so they are pretty dialed
in on what they want. So against Chelsea, you know,
I'm not sure exactly. One of the girls on our
team is working with them, and so I don't know
exactly what they got. Again, maybe they are in Chelsea
and they're ready to get out.
Speaker 2 (15:29):
Who knows.
Speaker 1 (15:31):
So if you have anything that matches some of our
VP buyer needs, call us at two five five four
two nineteen ninety six, so you can go to Gustygoulissgroup
dot com. Oh hey, guess what time it is. That's right,
it's testimonial time. All right, this one goes out. This
(15:52):
one's for Kyle. Kyle actually made my experience and purchasing
my forever home enjoyable. From contract to close. He was
there every step of the way, answering any and all
questions I had promptly. He's truly genuine and cares about
his clients. I not only found a great realtor, I
gained a great friend. I will always recommend Kyle and
(16:13):
the Gusty Goulis Group for any and all realtor needs.
Thank you, Kyle. So congratulations on your new home and Kyle, congratulations.
Speaker 2 (16:21):
On another star review.
Speaker 1 (16:26):
It's so funny to see both of y'all. Y'all like
y'all like get back, like y'all move back in your chair.
Speaker 4 (16:31):
I don't want to.
Speaker 1 (16:34):
You'll get back in your microphone to get like amped
up for that. So it's really fun to watch here
and see it and if you're following along listening in
your car or whatnot. But all right, anyways, Uh, we're
stay tuned. We're gonna go to break. Uh we're gonna
talk about what is the Fed funds rate that drop
this week? Doing t interest rates right now here on
Bob bart and Sold.
Speaker 2 (16:59):
All right, welcome back to Bob bart and Sold.
Speaker 1 (17:01):
Thank you again as always for joining us. We've been
doing this for the last five years. Holy moly, that's
been crazy. And so we have seen rates all over
the place in the last five years. We've seen them
at like two point eight seventy five, we've seen them
at like eight and a half, and we had a
(17:23):
nice little Fed Funds rate reduction this past week. What
in the world is it doing to interest rates for us?
Speaker 2 (17:30):
There? Brad Smith with Cross Country Mortgage.
Speaker 3 (17:32):
Yeah, so, you know, like we talked about and we've
talked about previously, and for your first time listening, we'll
kind of go back over it. But because the you know,
the expectancy was to get another quarter twenty five basis
point drop. So the market was already reacting because the
mortgage rate's'ur in real time. There's nobody that just sets
a mortgage rate, right, I mean, there's it's it's a
(17:53):
moving target. It's it's an investible things. It moves intra
day throughout, so you know it. It has been responding
like there was going to be a twenty five basis
point all the way up to it. So then what
we get is, now, how did the FED meeting go?
And we get the actual conversations from the FED chair
(18:16):
president and then we have the Q and A with
him afterwards. Yep, all right, So then so that's where
it sets the tone of what are we looking at
for the rest of the year and on and that
then they go through a full two year progression.
Speaker 2 (18:28):
Gotcha it.
Speaker 3 (18:30):
You know, it came out a little more like this
could possibly be the last cut this year. Okay, And
so I think we're all still kind of They've got
one more meeting, right, We've got another meeting. You know,
I think there was some anticipation that that would probably
get another, you know, the third one, and we may
but it's it's not as after the conversations some of
the comments yesterday, it didn't look as promising that we
(18:51):
were going to get that other twenty five basis point cut.
The government still shut down day passed day thirty this
past week of the government shut down.
Speaker 1 (19:00):
The last time it has been like what since twenty sixteen,
since that's happened, yep, I mean, like John's more of
our wizard on that well, and.
Speaker 3 (19:06):
Food stamps are going to be drying, I mean aren't
going to be going you have to on November first,
like I mean, it's it's it's we're in a bad
situation right now on that. So the market's also just
still real hesitant to respond to what's what the long
term effects are even when they do open back up
of what's happened over the last thirty two days now,
So you got those things going in a little bit
(19:27):
of hesitancy from the federal Reserve on kind of if
they think maybe or maybe not we They had two
dissenters in this vote, so two guys one wanted to
one went out because he wanted to fifty bip reduction.
Speaker 2 (19:39):
In one same guys last time yes, and then and.
Speaker 3 (19:42):
Then the other one the other way and thought we
shouldn't cut anything really, and so you know, you had
one on each side of the spectrum, then everybody else
settled in at twenty five base, right, And.
Speaker 5 (19:50):
So aren't they missing the The problem is they're missing
the unemployment numbers right now.
Speaker 2 (19:54):
Because the closure.
Speaker 3 (19:55):
Yep, yep, yep. So they're kind of dark. They're kind
of in the dark a little bit right now on
some on some of this stuff. And yeah, so they've
also you know, kind of said they'renna start doing you know,
quit the runoff on the balance sheet some other stuff
that's gonna be how they're gonna reinvest in what they're
gonna put it in. You know, we would love for
them to come out and say one of these meetings
they're gonna start going ramping back up in their investments
(20:15):
into the mortgage backed security funds like they did right
to help move rates down, because again that that makes
you know, there's there's more demand for it, so then
mortgage acts can keep coming down. So really we would
like to see them start trying to put some money
back into them buying investments into the mortgage backed securities
that would do the most for rates. They didn't come
out and say that. So now we're just kind of
back with the market, but we've settled in. We're still
(20:38):
in that those middle oast sixes. We're talking about maybe
an eighth difference on the thirty year fixed average. So
if the nationals say somewhere around six point two four
last week, we're probably gonna be looking around six point
three eighth this week or somewhere in that range. So
you know, it's not not earth shattering. Again, that's average
government loans. They're still in the in the upper five.
(21:01):
We still got things that are getting down closer to six.
But yeah, I mean again, as we get closer to
the next meeting and we start getting a better idea
of what the tone is going to be of that,
and if we're looking more and more likely to get
another reduction, we'll see another run on mortgage. It's getting
dropped down. So you know, we're just kind of we're
still holding water. Though it wasn't a huge reaction. It
(21:22):
was just kind of like, Okay, we've already built into
pricing for this twenty five basis point reduction. Now let's
start seeing if we need to react to what we
think the next one's going to be and since there
wasn't impact of probably another one, we're like, okay, let's
pull back a little bit and see what they're going
to figure out. So it was a pretty normal I mean,
we talk about it. It proves a pretty normal reaction
based on what the comments in the Q and A were.
Speaker 1 (21:42):
Yeah, yeah, anyways, man, super interesting stuff. I mean, I
think it's you know, I think a lot of I
guess has to do with the.
Speaker 2 (21:49):
Government shut down and they don't know some of this stuff.
Speaker 1 (21:51):
But you know, I feel like, I mean, rates are
now hovering in the still the low sixes, but you know,
it's been interesting to watch when they reduce that and
then interest rates have been ticking up, and it makes
it's it's wild to me, but you know.
Speaker 3 (22:08):
And we still we had a call yesterday as a
region for cross country, and you know, it was about
that we're getting into the refight boom. There's that many
people over the last three years going back to that rate.
So when you say you talked about that are in
those sevens and eights, Like, hey, ready, I can get
six in a quarter and get this thing down. Let's move.
So it's already happening. I mean, you see it. It's
(22:30):
already there. So think about that too if you're out
there looking to purchase the home. We've got people refinancing
to this. People are one hundred percent and then people also,
people's homes are worth more than have ever been, so
people are also getting cash out. But but yeah, I mean,
you know, just think about that when you're buying a house.
Us think the rates are high, people are already refinancing
to get to this rate. So we're we're we're kind
of in that sweet spot where you know, if you're
(22:53):
worried about the rate now, then you're just not interested.
You're not really buying, Like I mean, if you're going
to buy something that the rate shouldn't be holding you back.
That's that's my pip talk for them.
Speaker 2 (23:01):
Well, I appreciate you that. I think it's important.
Speaker 1 (23:04):
I mean, you know, and I think what it's doing is,
you know, what we're finding is I am getting actually
more phone calls of people willing to sell their house, right,
And I think that's a great thing. And it just
kind of goes along with the theme that we've we've
been talking about for the last month as the call
before the storm, like hey, it's probably a buyer's market
for the next four or five months, and then when
(23:25):
it hits March, like seriously, it's going to be multiple
offers because we're we're looking you know, low sixes, probably
high fives, you know, mid fives on government loans, and
my goodness, people are gonna get off the fence. They're
going to be ready. They've been sitting on the sidelines.
They're they are ready to make a change. And that's
conversations we're having with the buyers. So AnyWho, that's what's
(23:46):
going on in the real estate market, the mortgage market.
And then for any of y'all's real estate needs go
to Gustygoulisgroup dot com or for any like if you
want to buy a house and need a loan or
get a refive, go to Bradsmith Loans dot com.
Speaker 2 (23:59):
Hey, thanks so much for joining, and sorry John, I
beat you this week.
Speaker 4 (24:02):
It happens.
Speaker 2 (24:04):
All right, y'all, have a great week. Talk to you later.
M
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