March 26, 2025 • 28 mins
Steve Greaves reveals the powerful story behind Tithe Lending – a mortgage company built on giving 10% of revenue to community causes. This principled approach doesn't just feel good; it transforms lives by funding organizations tackling homelessness, supporting education initiatives, and even helping human trafficking survivors.
What makes this conversation particularly enlightening is how Greaves and his brother identified industry inefficiencies and restructured their business model to make this significant giving sustainable while remaining financially sound. "We wanted to make a lasting impact with our jobs," Steve explains, "instead of it being like you do your job and then on the side you do your other stuff."
Beyond their charitable mission, Tithe Lending offers innovative solutions for homebuyers facing today's challenging market. Their "Homes for Heroes" program covers costly appraisals for teachers, first responders, and veterans, while their various down payment assistance options (including grants up to 3%) make homeownership accessible without depleting savings. For buyers concerned about timing the market, Steve offers practical wisdom: "If you can afford the payment at the interest rate right now, get in now, wait for rates to go down, and then refinance."
The company maintains ongoing relationships with clients through their "rate watch" program, proactively notifying homeowners when refinancing opportunities arise. Some clients have already saved $300+ monthly by refinancing from last year's 7.5% rates to today's lower rates – funds that can be strategically applied to principal to save tens of thousands in lifetime interest costs.
Ready to work with a lender whose mortgages fund meaning? Visit tithelending.com to learn more about their programs or tithefoundation.org to explore partnership opportunities with their foundation.
Steve Greaves
steve@tithelending.com
314-221-8252
https://www.facebook.com/profile.php?id=100092691292376
https://www.instagram.com/steve_greaves777/
Tithe Lending
https://www.facebook.com/tithelending
https://www.instagram.com/tithelending/
Sarah Thress
614-893-5885
First Time Home Buyer course: https://sarahthress.graphy.com/
Instagram https://www.instagram.com/sarah_thress_realtor/
Facebook https://www.facebook.com/SarahThressRealtor/
https://www.youtube.com/@LIFEINCOLUMBUS
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
Hi and welcome to this week's episode of Come to
Find Out.
This week we have Steve Greaveswith Tithe Lending.
I know a lot of people have ahard time, you know, when they
read tithe they are like is itteeth, is it whatever?
But it's Tithe Lending and it'snamed that for a reason and
it's one of the reasons why Ireally, really love working with
(00:25):
Steve and everyone at TitheLending.
So, steve, thank you so muchfor coming on taking time out.
I know you've been on a fewtimes, but I really appreciate
you taking time to come back out.
Speaker 2 (00:37):
Yeah, no problem.
I always like being on here andI think this podcast is a great
resource for people who aregetting into home buying for the
first time, or even now thatthey've owned a home, but now
they're coming back in.
There's a lot of really goodinformation on this podcast.
So, yeah, whatever subjectyou're looking for, you guys
have pretty much covered it, soit's awesome.
Speaker 1 (00:58):
Thank you, I appreciate that.
So let's get started with tithelending, like what does that
mean and what is the conceptbehind it?
If anybody listening hasn'theard of you or doesn't know
what tithing means and anythinglike that, I'd love for you to
just kind of walk us throughthat because, again, I think
it's really cool?
Speaker 2 (01:19):
Yeah for sure.
Yeah, I appreciate having theopportunity to talk about it
Basically, Appreciate having theopportunity to talk about it
Basically.
My brother and I started ourown brokerage with the concept
of tithing.
So the word tithe meansone-tenth, and it's a biblical
practice.
So if you're a Christian, youprobably have heard of it.
It's basically your first fruits, meaning when the income comes
(01:39):
in, the first thing you do isyou give 10% of your income back
to God, in some way, doing thethings that we're called to do
as Christians.
So that's really what we do iswe take 10% of our revenue
before expenses and give it tothe foundation, which then can
distribute to nonprofits thatare doing good work in our city.
So a lot of the stuff we do ishelping homeless, you know,
(02:04):
helping them get back on theirfeet, helping them with meals,
things like that.
We also do things for children,education, and then there's a
really cool nonprofit that we'vegiven grants to that are
helping people that are victimsof human trafficking, things
like that.
So there's a lot of things thatwe can help fund like that.
So there's a lot of things thatwe can help fund.
(02:24):
What we found when we startedthis is there's a ton of places
that are doing really good workand they could do more if they
just had more fuel.
So that's all we exist.
To do is to give more fuel tothose places.
Speaker 1 (02:36):
So I love that.
Speaker 2 (02:38):
Yeah, yeah.
So it's basically.
It's just you know from day one, if you structure your company
to do that, you know you find away to make that work.
Speaker 1 (02:52):
Yeah, which I think is so amazing, especially in.
You know, I never want to getlike political or anything, but
just in the climate that we'rein right now, with a lot of
uncertainty and a lot ofnegative, a lot of negativeness
out there, I just think it'samazing whenever you know
companies can stick to thosevalues and stick to you know,
giving back to the community,making things better.
(03:12):
You know, like scatteringkindness, like that's our big
thing and Red Frog is scatterkindness.
You know, and how can?
you bring joy to people's lives,and so I love that you guys
structured your company in thatway.
Speaker 2 (03:24):
Yeah, for sure.
Yeah, and one thing that wenoticed, you know, before we
started this company, you knowmy brother was running, he was
the president for a mortgagecompany and you know kind of you
can start to see, okay, whereare the inefficiencies at and
how can we structure our companyin a way that, you know, giving
that 10% away isn't going tomake it so that we're, you know,
(03:45):
in financial trouble.
You know we're.
We're still very solid, very.
You know the numbers look good,um, and we're still able to do
that and make an impact.
So that's really what we wantedis, you know, make a lasting
impact with, with our jobs,instead of it being, like you
(04:05):
know, it used to feel like, hey,you do your job and then on the
side you do your other stuff,and now it's all kind of
incorporated into one.
Speaker 1 (04:09):
Yeah, I love that, and I think it's just amazing
that you guys took the industryknowledge that you already had
and created a way that it fitsthe mission that you all are
called to do, Because I feellike we all are called to do
something.
You know it's not all the samething, but we all are called to
do something.
You know it's not all the samething, but we're all called to
do something, and so I love thatyou guys answered that in a
(04:30):
unique way that is giving backbut still, you know, obviously
provides for your families.
Speaker 2 (04:35):
Right yeah.
Speaker 1 (04:37):
Yeah, I love that.
Yeah, well, so in addition toall of the amazing stuff you do
for the community, I know youalso have, you know, some great
programs, especially for, like,first time homebuyers, for
veterans.
You know, I kind of like to callthose like the underdogs of the
housing industry, because thoseare the ones that are having
(05:00):
the hardest time, you know,finding a house or getting
approved, or you know everysingle penny counts.
So I'd love for you to justkind of not that every penny
doesn't count for everyone, butI'd love for you to walk us
through some of the you know,some of the programs that you
guys have.
Like what are some things thatare super unique to Tithe, and
(05:21):
programs that you have that helppeople.
Speaker 2 (05:24):
Yeah for sure.
So one of the things that we dothat helps the heroes we call
it, you know, homes for Heroesis what it's called.
We do that program where youknow, one of the out-of-pocket
expenses that a lot of peopledon't budget for is the
appraisal.
You know nowadays you'relooking at 600 bucks for
appraisals, most of the timepretty expensive.
(05:45):
So for teachers, firstresponders, firefighters, you
know, police officers andveterans those people we cover
that appraisal costs for them.
So that's a big benefit.
And then we also have someprograms that help with that
down payment side of things.
If it's somebody who you know,hey, I want to buy a house but I
(06:06):
don't want to liquidate whatlittle money I've been able to
save up.
Typically the minimumdownpayment for a first-time
homebuyer is like 3% for aconventional loan.
We have a program where we cangive you a grant up to 3% to
cover that entire cost.
We have other grant optionswhere you could do 2% of the
(06:26):
grant a little bit moreaggressive on the rate for that
one.
And then we have the FHAprograms where, if they want
their down payment covered,there's a forgivable option so
that grant will be forgiven.
But there's also an option,again more aggressive on the
rate where that second mortgagethey get.
Basically, that down payment isfinanced in and it really isn't
(06:50):
that expensive because it's, ona 15-year note pretty low rate
helps people get into the home.
So what we look at is if you'regoing to be buying a house,
let's take a look at what thatequity level is going to be in a
couple of years.
We have a really good tool toproject that for people and when
they buy that home with thatdown payment assistance, we can
show them hey, you're not goingto be underwater for very long
(07:12):
Within a few years.
Here's how much youranticipated value is going to be
.
So then you can refinance it inthe future or just know that if
you need to sell, you're notgoing to be in a tight spot.
Speaker 1 (07:25):
Yeah, I love that and I think that's so huge because
that is one of the biggestbarriers to, you know, getting
into homeownership is the youknow the down payment cost and
the closing costs.
And you know how am I going tocome up with all of that?
And you know, like, sometimespeople can pull it from a 401k
(07:45):
Great.
Sometimes people can get itfrom a gift from a family
Awesome.
Some people have been savingfor a while and they're able to
do that.
That's awesome.
But there are the majority ofpeople that don't have those
options but still are tired ofrenting.
Know that they, you know theyfully understand that owning
something is a great way, to youknow, develop wealth and to,
(08:08):
you know, have an asset andthings like that.
So I love that you guys havethose different options.
You know, it's kind of likechoose your own adventure, like
what's going to work for you, isit this, is it that?
And you know you weigh andmeasure everything.
So I really love that.
Speaker 2 (08:23):
Yeah, for sure, and that's really important.
What you said there is.
It really is going to bedependent on the client and the
house.
You know what package is goingto make the most sense.
So it is important to you know,get pre-approved so that the
lender can actually take a lookat that and guide you through it
.
Because you know, I always tellpeople this.
It's like, hey, how many timeshave you closed on a house?
(08:43):
Maybe once or twice.
How many loans have we closedon?
Thousands.
So we've seen it all.
We know what works and I alsoused to work just doing
refinances of people who boughtone or two years prior.
So I could look at the profileand see like, hey, what's your
future going to look like,because I've seen you on the
other side of it.
So giving good advice in thatway too, to help people, you
(09:07):
know, stay in a good financialposition.
But the other thing I wanted tobring up with the VA loans too,
those are a hundred percentfinancing.
You know most lenders have thatprogram.
The biggest difference with usis what I've seen anyway is, you
know, rate wise, we have reallyaggressive rates on that and we
can also give some lendercredits to help if the, if the
(09:30):
veteran can't cover the closingcosts.
So yeah, we look at all thatstuff.
Speaker 1 (09:35):
Yeah, I love that and I love that it's not just like
oh, you're a veteran Cool,here's this.
Oh, you're a first timehomebuyer, here's this.
It's really like you know whatis going to make the most sense
for you and treating everyone asa human, not just a number, and
you know, getting to know themand having you know those
conversations.
Speaker 2 (09:54):
Right, Yep, Yep.
And that's why it's alsoimportant to have a great
realtor like you.
That could you know every,every client I've ever talked to
that's worked with you.
They feel like you're theirbest friend, so that helps so
much with just knowing that.
It's not about hey, I need toget this closing.
It's about, hey, I need to helpthis person, and that's great.
Speaker 1 (10:17):
Oh, that's such sweet feedback.
Thank you, because, yeah, I dotry.
I didn't know.
It's like it's your timeline,it's not mine.
Like I'm not here to, you know,force you into anything.
I'm not here to, you know, makeyou close something.
Just you know I'm not, I'm notout chasing commission, I'm out
trying to help people.
And if that means that we lookat 100 houses and you know we
(10:41):
get in and out of contract a fewtimes because it just wasn't
the right fit, okay, that's fine, no big deal.
Like we'll keep moving on andyou know.
So I love that you gave thatfeedback, thank you.
Speaker 2 (10:52):
Yeah, for sure.
But that that also brings up,you know, the point of you know,
knowing that you as a, as therealtor, you know, you know the
market.
The market's ever changing,especially here.
You know.
We just saw there was a monthor two where things were a
little slower and the directionwe would give people to go on,
(11:12):
where to list their house orwhat offers to make, that's
going to change depending on themarket.
So, knowing that you havesomeone that with so much
knowledge on your side, that'sgoing to help make those
decisions.
But I always say it's importantthat that client listens to the
experts you know of, like howyou tell them.
You know, like, for instance,where to where to place your uh
(11:35):
sales price to get the mostcompetition to drive that sales
price up.
Speaker 1 (11:40):
Yeah, I think that's such a good point and I
appreciate that.
Um, you know, because I do findthat, especially in this market
.
You know, uh, yes, it's stillvery much a seller's market, but
it's a picky buyer's sellermarket, and what I mean by that
is people are like, if I'm goingto pay this high interest rate,
I want this house to be move-inready.
(12:02):
If I'm going to pay top dollar,Otherwise, like, your house may
sit for a while, or, um, youknow, you're gonna get offers
that are are less.
And so you know, really, uh,you know, paying attention to
what your realtor says you knowwhether that's me or anybody
else, but paying attention towhat they say, like they're not
just choosing.
I'm not just choosing, I can'tspeak for everyone, I'm not just
(12:23):
choosing a number out of therelike, I'm literally looking at
the market, I'm looking at whatit's telling me and you know I
don't have a crystal ball, but Ican always say, like I feel
that, based on what I'm seeingnow, this would be the best
place to list your house.
Sometimes people are like, nope,I want to list higher and I'm
(12:43):
like, okay, it may sit longer.
That's up to you, you know,like, if you're okay with that,
but if your goal, as you told me, is to sell as fast as possible
, then let's do this price andit may be a little less than
what you want, but what we'reseeing is that those are the
houses that then get themultiple offers and they end up
getting more than what theylisted for, or at least getting
(13:06):
what they listed for, versussetting it on the market at
higher, having to lower theprice, and you know sending the
message that like hey, likewe're just going to keep
reducing, so just give uswhatever offer, we're going to
take it.
You know, like those are themessages you send.
Speaker 2 (13:20):
So yeah, and I can think of several examples where
I got a call from a buyer andthey said, wow, this one's
perfect.
And I look at it and I'm like,hey, this is listed low for a
reason, like this realtor isplaying the I've heard some
realtors call it the pricediscovery game.
So if they think they can sellit for a half million, maybe
(13:42):
they're listing it at 465, evenlike pretty low.
And even when they do that,they still push that price above
what they thought they couldhave got it for if they listed
it high.
So, yeah, that strategy seemsto be actually working better
than anything else I've seen onthe buy side of things.
Speaker 1 (14:01):
Yeah Well, and I think that's great.
That's great feedback as well,that buyers are asking feedback
as well, that you know buyersare asking lenders.
Because that is something thatyou know, you should be
utilizing all your team and youknow your lenders on your team,
your realtors on your team.
Like you should be using yourteam you know your financial
planner, if you have one, youraccountant, if you have one,
(14:23):
like all the things to make sureyou're making the best decision
for yourself.
But ask your team, you know,hey, like, do you think this is
a good, you know price for this?
Like a realtor can pull comps.
You can pull comps.
You can say, oh, you know,actually it looks like that's
listed kind of high.
I don't know that it's going toappraise for that or, hey, they
listed it really low.
I bet you're going to need tomake an aggressive offer, like
(14:45):
you know.
So those are like things thatpeople should lean in on their
team to ask those questions,cause that's what we do all day,
every day.
That's not what the typicalbuyer.
You know.
Unless you're an investor,you're not closing a bunch of
houses every day or every weekor every month.
Speaker 2 (15:01):
So Right, yeah, and one of the tools I give all my
clients and, um, you know, eveneven anyone who just wants to
know hey, where do you think myhouse could appraise at?
You know, because I get peoplecoming in for refinances as well
.
I have a program called HouseCanary that's what it's called
and it has tremendous data,super powerful tool, and what
(15:24):
I've seen is like I don't know,I'd probably put it up there.
At 85 to 90% of the time it'sspot on where an appraiser is
going to appraise that house.
So, like you said, it does helpwhen you're trying to decide
hey, can we make a appraisal gapoffer?
We'll have at least a good ideaof where it's going to appraise
, even if you're going over.
(15:46):
And same thing with refinances.
People might say, hey, is itthe right time?
Well, let's see, maybe yourhouse went up enough that we can
get the PMI off and get you abetter rate.
At the same time, you know allkinds of things we can use that
report for.
So that's been one that's beenbig for me, that a lot of people
have been asking for it and Ican provide that to anyone.
(16:07):
It's it's free to you.
Speaker 1 (16:09):
So yeah, I love that.
I love that.
Well, since I don't have acrystal ball, I'm pretty sure
you don't have a crystal ball.
I do want to ask you, though,like and I say that we don't
have crystal balls, so itdisclaims that we are not, by
any stretch of the means,telling you what is going to
happen in the market or whatwe're going to see, because we
(16:31):
don't know but what do youforesee happening in, like, the
spring market, like, do youthink it's going to be like our
rates going to come down, is it?
You know, like anything thatyou have from your, like, your
industry knowledge, anythingthat you'd like to share, and
you know, just kind of yourpredictions and again, we're not
holding you to any of them.
Speaker 2 (16:52):
Yeah, no, you know, what I like to do is I like to
look at the the the markethistory of like hey, have we
been in an environment like thisbefore?
And if we have, what happened,we can probably expect similar
things to happen.
Right?
Well, if you look at wherewe're at, this market right now
is so similar to what we hadlast year and the year before.
(17:13):
As far as where rates are, youknow they're.
They're a little volatile, butthey're not really going higher
than this mid sevens and they'renot, they're not going below
six, so it's in that one and ahalf percent range A lot of
people expected for those twoyears in 23 and 24, they
expected that to mean lesspeople are going to buy, so less
(17:35):
competition, prices are goingdown.
But what they didn't anticipate,I think, is less people are
listing.
So even though there might be asmaller pool of buyers that can
qualify, there's also a smallerpool of sellers, so the supply
demand is still there.
I think we're going to see verysimilar stuff to last year,
where you're going to see a lotof houses go over asking price
(17:58):
in desirable areas, multipleoffer situations all the time
and then, if we get lucky whichyou know you could call it lucky
.
Or you could say now, if ratescome down, which you know people
want, you probably are going tosee more people list, but then
(18:20):
more people, more buyers, aregoing to come into the pool too.
So it's just in Columbusspecifically um, a lot of other
cities are similar, but Columbusspecifically, this market I
think we're still going to seethat same kind of as over asking
price and multiple offers.
Speaker 1 (18:35):
Yeah, I think that too.
Um, you know, cause I've gotsome people that have been
waiting for the spring market.
You know.
Know which I was like, if youdon't have to sell right this
second, don't do it in thewinter.
Like, wait until the spring,because it is a much better
market.
But I do also tell people, stoptrying to time it based on your
(18:56):
like, based on the interestrate, because first of all, you
can't time the market, but whenthe interest rates drop, you
know, to your point, more peopleare like, ooh, now I want to
buy.
So then you know, yes, like theinterest rates lower.
But now, with all the interest,the prices are going to keep
going up, which means, eventhough your interest rates lower
, you're likely going to pay thesame amount of money as you
(19:19):
would have at that higher rate,or maybe more.
So you know it's like kind ofpick your poison, I guess you
know in my mind I just think ifyou can afford the payment at
the interest rate that it isright now, you should get in now
, wait for the interest rate togo down and then you're going to
save money.
But you already know you canafford it at this rate, so
(19:41):
that's awesome.
So I'm not saying to go outthere and you know, stretch
yourself so thin and cross yourfingers and hope that, you know,
interest rates come down.
But just, you know, really,again, talk to your lending
partner, find out what yourcomfortable number is for your
monthly payment.
Because, again, we all know thatwhenever you're pre-approved or
(20:03):
maybe we don't all know, butwhen you're pre-approved
generally it's like, hey, you'repre-approved for like $500,000,
you know, just as an example,and it's like, cool, but what's
that monthly payment?
Ooh, yeah, I can't afford that.
I would be more comfortablewith this.
Cool, then you should belooking at like $300,000 houses
instead of 500,000.
So you know, again, that'swhere, having that lending
(20:24):
partner talking to you, figuringout what makes the most sense
for you and instead of trying totime the market, just do what
works for you and your personalsituation like put your blinders
on, don't look at the rest ofthe economy, what makes sense
for you?
Period?
Speaker 2 (20:39):
Yeah, no, I agree.
And we have a cool, a reallycool tool as well, called quick
fall.
It's like a you know pre-qual,but it it lets the lets the
buyer have the driving seat ontheir side when they're you know
, hey, now I'm looking at ahouse that's you know three, 80,
changing that purchase price,updating that down payment, they
(21:00):
can see exactly how that'sgoing to affect their payment,
which is way better than using,like, the Zillow calculator.
That thing's always wrong.
So they use ours.
They'll know it's tailoredspecifically to them and their
program and they'll be able tosee those numbers.
But I agree, I would encouragepeople to focus more on the
price of the house as far as,like, does it make sense to buy
(21:23):
it, and as long as it's in yourbudget, like you said, instead
of waiting for rates to go downfor a payment to maybe be a
little less if you can afford it.
Yeah, the refinance thing isgoing to be huge Once rates come
down.
It's going to help so manypeople free up extra money in
their budget.
I actually, I actuallyrefinanced uh, six people this
(21:44):
month that had bought last yearwhen base hit that seven and a
half percent mark, we were ableto get them down into the low
sixes, very low costs.
Uh, they had.
They didn't have to bring anymoney to closing and they saved,
you know, 300 bucks a month,which for them, was huge.
So, um, another thing I showpeople when they refi, though,
is like that $300, instead ofjust putting that in a piggy
(22:06):
bank or something, you can applythat to the principal and then
that shaves off.
Sometimes, you know 80, $90,000of interest on your loan.
So a lot of cool things you cando once, once rates drop a
little bit.
Speaker 1 (22:19):
Yeah, no, and I think that's so smart and you know,
it's almost like the snowballeffect.
It's like you already had thatin your budget.
So now that you've saved thatmoney, cool, now use that to
like pay off your mortgagefaster or pay off other debt
faster or whatever Like becauseyou've already got that money
allocated over here, so you know.
Or put that in savings so thatyou know you've got like a big
(22:40):
nest egg and you know for anysurprises or whatever.
So you know, I think that'sreally good.
And again, that's where havinga knowledgeable lending partner
you know like yourself.
It comes into play and helps youto make these decisions that
you and I.
You know that the averageperson that doesn't do this all
day long, every day, wouldn'tthink about you, know they'd be,
(23:01):
like cool, we're saving $300.
Like now we can go out to eatmore, you know, and it's like
good, or you know you could alsoput that towards your mortgage
to make it go away faster.
You already have it in yourbudget.
Speaker 2 (23:13):
Right, right, yeah, and it's important to to have
you know your if your lender iskeeping an eye on your stuff for
you.
I mean, I love refinancingpeople.
There's a lot of lenders whofocus so much on just like the
purchase business that sometimesopportunities come up and they
miss them because they're morefocused on that.
I always have every singlething.
(23:33):
I have actually a rate watchprogram where, if the market
looks like it's beneficial, Ialways reach out to the clients
and show them like, hey, here'swhat you can do right now.
They don't always say yes, butat least they know what's out
there as the market's moving.
Speaker 1 (23:50):
Yeah, well, and I think knowledge is power.
So I mean, I think even thatyou do that is huge, because you
know to your point, not everylender out there is doing that
and you know, like some, someare just focused on the
homeowners and that's okay, likethey don't have systems in
place like you do.
So I think that's, you know,another really good selling
(24:11):
point for why they should workwith you and why they should
work with you know, titheLending, because you do, you
know, do that that extra mile.
Speaker 2 (24:19):
Yeah, yeah, for sure.
Speaker 1 (24:21):
Yeah, I love it.
Well, I will make sure thateverything, um you know is in
the show notes so you know howto work with you.
Um, you know, do you have alike on your website?
Does it talk about yourfoundation and like the?
Um you know, I know you guysare getting ready to have, like,
a foundation grant night, whichI think is so cool.
Um, do you guys have that onyour website where you talk
(24:48):
about like, or is there afoundation website?
I just want to make sureeveryone kind of knows about the
.
You know the impact that youare making, um, and I just want
to, you know, make sure thatthey see that.
Speaker 2 (24:53):
Yeah, sure, uh, yeah, the foundation is
tithefoundation.
Uh, and then tithelendingcomhas links to that as well.
And I'll just say, you know, ifyou're someone who is listening
to this and you're like, hey,you know, I want to be part of
that, we do take businesspartnerships, uh, where you can
become part of the foundation.
(25:14):
Uh, if you just pledge acertain amount of your, you know
it doesn't have to be apercentage or anything like that
, but if you pledge a certainamount per year, then you can be
part of that and come to thegrant nights and vote on who
gets the grants and those kindof things.
Speaker 1 (25:28):
Yeah, I'm so excited that I get to be there you know,
next week or two weeks from now?
No, next week.
Speaker 2 (25:36):
Next week the 20th, yeah, yeah.
Next Thursday, I think, yeah,yeah.
Speaker 1 (25:43):
So, yeah, I'm super excited about that, cause I'll
get to see that and, um, youknow kind of uh see firsthand
all the stuff that you guys doand um, you know and talk about
uh getting involved, cause again, I just think it's, it's such a
great mission that you guys doand it really aligns with, um
you know, a lot of my values andeverything.
Speaker 2 (25:58):
So yeah, I'm excited for you to come because I want,
I want to see you know your,your brain of you, know your
nonprofit brain, that you haveso much experience, and I just
want to see any, maybe some.
Maybe we can learn somethingfrom you and, you know, get some
suggestions from you.
That'd be great.
I talked to my brother aboutthat as well and he was like,
yeah, I'd love to sit down withher and just pick her brain on
anything we can do to just makeme.
(26:19):
I mean, we want things to go asfar as possible.
You know, like let the dollarsdo as much as they can.
So, yeah, that'd be great.
Speaker 1 (26:31):
I love that.
Yeah, I'm super excited.
Well, thank you so much again.
I know you're super busy, so Iappreciate you taking time out
to record this and, um, you know, just help me get information
out there to help people becauseyou know, like I said,
knowledge is power and I justthink you guys are doing such
cool stuff that I wanted to makesure that you know the first
time homebuyers and sellers andyou know, even if they're not
first time homebuyer and seller,but they haven't bought or sold
in the last five years, this isstill really good knowledge and
(26:54):
really good information.
So, thank you so much foreverything.
Speaker 2 (26:58):
Yeah, no problem, thanks for having me.
Speaker 1 (27:03):
Yeah, of course, and, like I said, I'll have
everything in the show notes, soanyone that's listening, you
know, if you weren't able toscribble down anything, just go
to the show notes.
You can click on stuff.
You know, I'll have links toyour socials as well.
Speaker 2 (27:13):
Awesome, thank you.
Speaker 1 (27:14):
Yeah, absolutely Well .
Thank you so much for tuning in.
I really appreciate it.
Please, really appreciate it.
Please make sure that you areleaving a review.
Five star would be appreciated,but that review and feedback is
a gift, so it's the greatestgift you can give us.
Please make sure that you aresharing this with others,
because that is the greatestcompliment that you can give.
(27:34):
Steve and myself is sharingthis, and make sure you're
following along so you nevermiss another episode.
Thanks so much and we'll seeyou next time on.
Come to Find Out.
Hi and welcome to this week's episode of Come to
Find Out.
This week we have Steve Greaveswith Tithe Lending.
I know a lot of people have ahard time, you know, when they
read tithe they are like is itteeth, is it whatever?
But it's Tithe Lending and it'snamed that for a reason and
it's one of the reasons why Ireally, really love working with
(00:25):
Steve and everyone at TitheLending.
So, steve, thank you so muchfor coming on taking time out.
I know you've been on a fewtimes, but I really appreciate
you taking time to come back out.
Speaker 2 (00:37):
Yeah, no problem.
I always like being on here andI think this podcast is a great
resource for people who aregetting into home buying for the
first time, or even now thatthey've owned a home, but now
they're coming back in.
There's a lot of really goodinformation on this podcast.
So, yeah, whatever subjectyou're looking for, you guys
have pretty much covered it, soit's awesome.
Speaker 1 (00:58):
Thank you, I appreciate that.
So let's get started with tithelending, like what does that
mean and what is the conceptbehind it?
If anybody listening hasn'theard of you or doesn't know
what tithing means and anythinglike that, I'd love for you to
just kind of walk us throughthat because, again, I think
it's really cool?
Speaker 2 (01:19):
Yeah for sure.
Yeah, I appreciate having theopportunity to talk about it
Basically, Appreciate having theopportunity to talk about it
Basically.
My brother and I started ourown brokerage with the concept
of tithing.
So the word tithe meansone-tenth, and it's a biblical
practice.
So if you're a Christian, youprobably have heard of it.
It's basically your first fruits, meaning when the income comes
(01:39):
in, the first thing you do isyou give 10% of your income back
to God, in some way, doing thethings that we're called to do
as Christians.
So that's really what we do iswe take 10% of our revenue
before expenses and give it tothe foundation, which then can
distribute to nonprofits thatare doing good work in our city.
So a lot of the stuff we do ishelping homeless, you know,
(02:04):
helping them get back on theirfeet, helping them with meals,
things like that.
We also do things for children,education, and then there's a
really cool nonprofit that we'vegiven grants to that are
helping people that are victimsof human trafficking, things
like that.
So there's a lot of things thatwe can help fund like that.
So there's a lot of things thatwe can help fund.
(02:24):
What we found when we startedthis is there's a ton of places
that are doing really good workand they could do more if they
just had more fuel.
So that's all we exist.
To do is to give more fuel tothose places.
Speaker 1 (02:36):
So I love that.
Speaker 2 (02:38):
Yeah, yeah.
So it's basically.
It's just you know from day one, if you structure your company
to do that, you know you find away to make that work.
Speaker 1 (02:52):
Yeah, which I think is so amazing, especially in.
You know, I never want to getlike political or anything, but
just in the climate that we'rein right now, with a lot of
uncertainty and a lot ofnegative, a lot of negativeness
out there, I just think it'samazing whenever you know
companies can stick to thosevalues and stick to you know,
giving back to the community,making things better.
(03:12):
You know, like scatteringkindness, like that's our big
thing and Red Frog is scatterkindness.
You know, and how can?
you bring joy to people's lives,and so I love that you guys
structured your company in thatway.
Speaker 2 (03:24):
Yeah, for sure.
Yeah, and one thing that wenoticed, you know, before we
started this company, you knowmy brother was running, he was
the president for a mortgagecompany and you know kind of you
can start to see, okay, whereare the inefficiencies at and
how can we structure our companyin a way that, you know, giving
that 10% away isn't going tomake it so that we're, you know,
(03:45):
in financial trouble.
You know we're.
We're still very solid, very.
You know the numbers look good,um, and we're still able to do
that and make an impact.
So that's really what we wantedis, you know, make a lasting
impact with, with our jobs,instead of it being, like you
(04:05):
know, it used to feel like, hey,you do your job and then on the
side you do your other stuff,and now it's all kind of
incorporated into one.
Speaker 1 (04:09):
Yeah, I love that, and I think it's just amazing
that you guys took the industryknowledge that you already had
and created a way that it fitsthe mission that you all are
called to do, Because I feellike we all are called to do
something.
You know it's not all the samething, but we all are called to
do something.
You know it's not all the samething, but we're all called to
do something, and so I love thatyou guys answered that in a
(04:30):
unique way that is giving backbut still, you know, obviously
provides for your families.
Speaker 2 (04:35):
Right yeah.
Speaker 1 (04:37):
Yeah, I love that.
Yeah, well, so in addition toall of the amazing stuff you do
for the community, I know youalso have, you know, some great
programs, especially for, like,first time homebuyers, for
veterans.
You know, I kind of like to callthose like the underdogs of the
housing industry, because thoseare the ones that are having
(05:00):
the hardest time, you know,finding a house or getting
approved, or you know everysingle penny counts.
So I'd love for you to justkind of not that every penny
doesn't count for everyone, butI'd love for you to walk us
through some of the you know,some of the programs that you
guys have.
Like what are some things thatare super unique to Tithe, and
(05:21):
programs that you have that helppeople.
Speaker 2 (05:24):
Yeah for sure.
So one of the things that we dothat helps the heroes we call
it, you know, homes for Heroesis what it's called.
We do that program where youknow, one of the out-of-pocket
expenses that a lot of peopledon't budget for is the
appraisal.
You know nowadays you'relooking at 600 bucks for
appraisals, most of the timepretty expensive.
(05:45):
So for teachers, firstresponders, firefighters, you
know, police officers andveterans those people we cover
that appraisal costs for them.
So that's a big benefit.
And then we also have someprograms that help with that
down payment side of things.
If it's somebody who you know,hey, I want to buy a house but I
(06:06):
don't want to liquidate whatlittle money I've been able to
save up.
Typically the minimumdownpayment for a first-time
homebuyer is like 3% for aconventional loan.
We have a program where we cangive you a grant up to 3% to
cover that entire cost.
We have other grant optionswhere you could do 2% of the
(06:26):
grant a little bit moreaggressive on the rate for that
one.
And then we have the FHAprograms where, if they want
their down payment covered,there's a forgivable option so
that grant will be forgiven.
But there's also an option,again more aggressive on the
rate where that second mortgagethey get.
Basically, that down payment isfinanced in and it really isn't
(06:50):
that expensive because it's, ona 15-year note pretty low rate
helps people get into the home.
So what we look at is if you'regoing to be buying a house,
let's take a look at what thatequity level is going to be in a
couple of years.
We have a really good tool toproject that for people and when
they buy that home with thatdown payment assistance, we can
show them hey, you're not goingto be underwater for very long
(07:12):
Within a few years.
Here's how much youranticipated value is going to be
.
So then you can refinance it inthe future or just know that if
you need to sell, you're notgoing to be in a tight spot.
Speaker 1 (07:25):
Yeah, I love that and I think that's so huge because
that is one of the biggestbarriers to, you know, getting
into homeownership is the youknow the down payment cost and
the closing costs.
And you know how am I going tocome up with all of that?
And you know, like, sometimespeople can pull it from a 401k
(07:45):
Great.
Sometimes people can get itfrom a gift from a family
Awesome.
Some people have been savingfor a while and they're able to
do that.
That's awesome.
But there are the majority ofpeople that don't have those
options but still are tired ofrenting.
Know that they, you know theyfully understand that owning
something is a great way, to youknow, develop wealth and to,
(08:08):
you know, have an asset andthings like that.
So I love that you guys havethose different options.
You know, it's kind of likechoose your own adventure, like
what's going to work for you, isit this, is it that?
And you know you weigh andmeasure everything.
So I really love that.
Speaker 2 (08:23):
Yeah, for sure, and that's really important.
What you said there is.
It really is going to bedependent on the client and the
house.
You know what package is goingto make the most sense.
So it is important to you know,get pre-approved so that the
lender can actually take a lookat that and guide you through it
.
Because you know, I always tellpeople this.
It's like, hey, how many timeshave you closed on a house?
(08:43):
Maybe once or twice.
How many loans have we closedon?
Thousands.
So we've seen it all.
We know what works and I alsoused to work just doing
refinances of people who boughtone or two years prior.
So I could look at the profileand see like, hey, what's your
future going to look like,because I've seen you on the
other side of it.
So giving good advice in thatway too, to help people, you
(09:07):
know, stay in a good financialposition.
But the other thing I wanted tobring up with the VA loans too,
those are a hundred percentfinancing.
You know most lenders have thatprogram.
The biggest difference with usis what I've seen anyway is, you
know, rate wise, we have reallyaggressive rates on that and we
can also give some lendercredits to help if the, if the
(09:30):
veteran can't cover the closingcosts.
So yeah, we look at all thatstuff.
Speaker 1 (09:35):
Yeah, I love that and I love that it's not just like
oh, you're a veteran Cool,here's this.
Oh, you're a first timehomebuyer, here's this.
It's really like you know whatis going to make the most sense
for you and treating everyone asa human, not just a number, and
you know, getting to know themand having you know those
conversations.
Speaker 2 (09:54):
Right, Yep, Yep.
And that's why it's alsoimportant to have a great
realtor like you.
That could you know every,every client I've ever talked to
that's worked with you.
They feel like you're theirbest friend, so that helps so
much with just knowing that.
It's not about hey, I need toget this closing.
It's about, hey, I need to helpthis person, and that's great.
Speaker 1 (10:17):
Oh, that's such sweet feedback.
Thank you, because, yeah, I dotry.
I didn't know.
It's like it's your timeline,it's not mine.
Like I'm not here to, you know,force you into anything.
I'm not here to, you know, makeyou close something.
Just you know I'm not, I'm notout chasing commission, I'm out
trying to help people.
And if that means that we lookat 100 houses and you know we
(10:41):
get in and out of contract a fewtimes because it just wasn't
the right fit, okay, that's fine, no big deal.
Like we'll keep moving on andyou know.
So I love that you gave thatfeedback, thank you.
Speaker 2 (10:52):
Yeah, for sure.
But that that also brings up,you know, the point of you know,
knowing that you as a, as therealtor, you know, you know the
market.
The market's ever changing,especially here.
You know.
We just saw there was a monthor two where things were a
little slower and the directionwe would give people to go on,
(11:12):
where to list their house orwhat offers to make, that's
going to change depending on themarket.
So, knowing that you havesomeone that with so much
knowledge on your side, that'sgoing to help make those
decisions.
But I always say it's importantthat that client listens to the
experts you know of, like howyou tell them.
You know, like, for instance,where to where to place your uh
(11:35):
sales price to get the mostcompetition to drive that sales
price up.
Speaker 1 (11:40):
Yeah, I think that's such a good point and I
appreciate that.
Um, you know, because I do findthat, especially in this market
.
You know, uh, yes, it's stillvery much a seller's market, but
it's a picky buyer's sellermarket, and what I mean by that
is people are like, if I'm goingto pay this high interest rate,
I want this house to be move-inready.
(12:02):
If I'm going to pay top dollar,Otherwise, like, your house may
sit for a while, or, um, youknow, you're gonna get offers
that are are less.
And so you know, really, uh,you know, paying attention to
what your realtor says you knowwhether that's me or anybody
else, but paying attention towhat they say, like they're not
just choosing.
I'm not just choosing, I can'tspeak for everyone, I'm not just
(12:23):
choosing a number out of therelike, I'm literally looking at
the market, I'm looking at whatit's telling me and you know I
don't have a crystal ball, but Ican always say, like I feel
that, based on what I'm seeingnow, this would be the best
place to list your house.
Sometimes people are like, nope,I want to list higher and I'm
(12:43):
like, okay, it may sit longer.
That's up to you, you know,like, if you're okay with that,
but if your goal, as you told me, is to sell as fast as possible
, then let's do this price andit may be a little less than
what you want, but what we'reseeing is that those are the
houses that then get themultiple offers and they end up
getting more than what theylisted for, or at least getting
(13:06):
what they listed for, versussetting it on the market at
higher, having to lower theprice, and you know sending the
message that like hey, likewe're just going to keep
reducing, so just give uswhatever offer, we're going to
take it.
You know, like those are themessages you send.
Speaker 2 (13:20):
So yeah, and I can think of several examples where
I got a call from a buyer andthey said, wow, this one's
perfect.
And I look at it and I'm like,hey, this is listed low for a
reason, like this realtor isplaying the I've heard some
realtors call it the pricediscovery game.
So if they think they can sellit for a half million, maybe
(13:42):
they're listing it at 465, evenlike pretty low.
And even when they do that,they still push that price above
what they thought they couldhave got it for if they listed
it high.
So, yeah, that strategy seemsto be actually working better
than anything else I've seen onthe buy side of things.
Speaker 1 (14:01):
Yeah Well, and I think that's great.
That's great feedback as well,that buyers are asking feedback
as well, that you know buyersare asking lenders.
Because that is something thatyou know, you should be
utilizing all your team and youknow your lenders on your team,
your realtors on your team.
Like you should be using yourteam you know your financial
planner, if you have one, youraccountant, if you have one,
(14:23):
like all the things to make sureyou're making the best decision
for yourself.
But ask your team, you know,hey, like, do you think this is
a good, you know price for this?
Like a realtor can pull comps.
You can pull comps.
You can say, oh, you know,actually it looks like that's
listed kind of high.
I don't know that it's going toappraise for that or, hey, they
listed it really low.
I bet you're going to need tomake an aggressive offer, like
(14:45):
you know.
So those are like things thatpeople should lean in on their
team to ask those questions,cause that's what we do all day,
every day.
That's not what the typicalbuyer.
You know.
Unless you're an investor,you're not closing a bunch of
houses every day or every weekor every month.
Speaker 2 (15:01):
So Right, yeah, and one of the tools I give all my
clients and, um, you know, eveneven anyone who just wants to
know hey, where do you think myhouse could appraise at?
You know, because I get peoplecoming in for refinances as well
.
I have a program called HouseCanary that's what it's called
and it has tremendous data,super powerful tool, and what
(15:24):
I've seen is like I don't know,I'd probably put it up there.
At 85 to 90% of the time it'sspot on where an appraiser is
going to appraise that house.
So, like you said, it does helpwhen you're trying to decide
hey, can we make a appraisal gapoffer?
We'll have at least a good ideaof where it's going to appraise
, even if you're going over.
(15:46):
And same thing with refinances.
People might say, hey, is itthe right time?
Well, let's see, maybe yourhouse went up enough that we can
get the PMI off and get you abetter rate.
At the same time, you know allkinds of things we can use that
report for.
So that's been one that's beenbig for me, that a lot of people
have been asking for it and Ican provide that to anyone.
(16:07):
It's it's free to you.
Speaker 1 (16:09):
So yeah, I love that.
I love that.
Well, since I don't have acrystal ball, I'm pretty sure
you don't have a crystal ball.
I do want to ask you, though,like and I say that we don't
have crystal balls, so itdisclaims that we are not, by
any stretch of the means,telling you what is going to
happen in the market or whatwe're going to see, because we
(16:31):
don't know but what do youforesee happening in, like, the
spring market, like, do youthink it's going to be like our
rates going to come down, is it?
You know, like anything thatyou have from your, like, your
industry knowledge, anythingthat you'd like to share, and
you know, just kind of yourpredictions and again, we're not
holding you to any of them.
Speaker 2 (16:52):
Yeah, no, you know, what I like to do is I like to
look at the the the markethistory of like hey, have we
been in an environment like thisbefore?
And if we have, what happened,we can probably expect similar
things to happen.
Right?
Well, if you look at wherewe're at, this market right now
is so similar to what we hadlast year and the year before.
(17:13):
As far as where rates are, youknow they're.
They're a little volatile, butthey're not really going higher
than this mid sevens and they'renot, they're not going below
six, so it's in that one and ahalf percent range A lot of
people expected for those twoyears in 23 and 24, they
expected that to mean lesspeople are going to buy, so less
(17:35):
competition, prices are goingdown.
But what they didn't anticipate,I think, is less people are
listing.
So even though there might be asmaller pool of buyers that can
qualify, there's also a smallerpool of sellers, so the supply
demand is still there.
I think we're going to see verysimilar stuff to last year,
where you're going to see a lotof houses go over asking price
(17:58):
in desirable areas, multipleoffer situations all the time
and then, if we get lucky whichyou know you could call it lucky
.
Or you could say now, if ratescome down, which you know people
want, you probably are going tosee more people list, but then
(18:20):
more people, more buyers, aregoing to come into the pool too.
So it's just in Columbusspecifically um, a lot of other
cities are similar, but Columbusspecifically, this market I
think we're still going to seethat same kind of as over asking
price and multiple offers.
Speaker 1 (18:35):
Yeah, I think that too.
Um, you know, cause I've gotsome people that have been
waiting for the spring market.
You know.
Know which I was like, if youdon't have to sell right this
second, don't do it in thewinter.
Like, wait until the spring,because it is a much better
market.
But I do also tell people, stoptrying to time it based on your
(18:56):
like, based on the interestrate, because first of all, you
can't time the market, but whenthe interest rates drop, you
know, to your point, more peopleare like, ooh, now I want to
buy.
So then you know, yes, like theinterest rates lower.
But now, with all the interest,the prices are going to keep
going up, which means, eventhough your interest rates lower
, you're likely going to pay thesame amount of money as you
(19:19):
would have at that higher rate,or maybe more.
So you know it's like kind ofpick your poison, I guess you
know in my mind I just think ifyou can afford the payment at
the interest rate that it isright now, you should get in now
, wait for the interest rate togo down and then you're going to
save money.
But you already know you canafford it at this rate, so
(19:41):
that's awesome.
So I'm not saying to go outthere and you know, stretch
yourself so thin and cross yourfingers and hope that, you know,
interest rates come down.
But just, you know, really,again, talk to your lending
partner, find out what yourcomfortable number is for your
monthly payment.
Because, again, we all know thatwhenever you're pre-approved or
(20:03):
maybe we don't all know, butwhen you're pre-approved
generally it's like, hey, you'repre-approved for like $500,000,
you know, just as an example,and it's like, cool, but what's
that monthly payment?
Ooh, yeah, I can't afford that.
I would be more comfortablewith this.
Cool, then you should belooking at like $300,000 houses
instead of 500,000.
So you know, again, that'swhere, having that lending
(20:24):
partner talking to you, figuringout what makes the most sense
for you and instead of trying totime the market, just do what
works for you and your personalsituation like put your blinders
on, don't look at the rest ofthe economy, what makes sense
for you?
Period?
Speaker 2 (20:39):
Yeah, no, I agree.
And we have a cool, a reallycool tool as well, called quick
fall.
It's like a you know pre-qual,but it it lets the lets the
buyer have the driving seat ontheir side when they're you know
, hey, now I'm looking at ahouse that's you know three, 80,
changing that purchase price,updating that down payment, they
(21:00):
can see exactly how that'sgoing to affect their payment,
which is way better than using,like, the Zillow calculator.
That thing's always wrong.
So they use ours.
They'll know it's tailoredspecifically to them and their
program and they'll be able tosee those numbers.
But I agree, I would encouragepeople to focus more on the
price of the house as far as,like, does it make sense to buy
(21:23):
it, and as long as it's in yourbudget, like you said, instead
of waiting for rates to go downfor a payment to maybe be a
little less if you can afford it.
Yeah, the refinance thing isgoing to be huge Once rates come
down.
It's going to help so manypeople free up extra money in
their budget.
I actually, I actuallyrefinanced uh, six people this
(21:44):
month that had bought last yearwhen base hit that seven and a
half percent mark, we were ableto get them down into the low
sixes, very low costs.
Uh, they had.
They didn't have to bring anymoney to closing and they saved,
you know, 300 bucks a month,which for them, was huge.
So, um, another thing I showpeople when they refi, though,
is like that $300, instead ofjust putting that in a piggy
(22:06):
bank or something, you can applythat to the principal and then
that shaves off.
Sometimes, you know 80, $90,000of interest on your loan.
So a lot of cool things you cando once, once rates drop a
little bit.
Speaker 1 (22:19):
Yeah, no, and I think that's so smart and you know,
it's almost like the snowballeffect.
It's like you already had thatin your budget.
So now that you've saved thatmoney, cool, now use that to
like pay off your mortgagefaster or pay off other debt
faster or whatever Like becauseyou've already got that money
allocated over here, so you know.
Or put that in savings so thatyou know you've got like a big
(22:40):
nest egg and you know for anysurprises or whatever.
So you know, I think that'sreally good.
And again, that's where havinga knowledgeable lending partner
you know like yourself.
It comes into play and helps youto make these decisions that
you and I.
You know that the averageperson that doesn't do this all
day long, every day, wouldn'tthink about you, know they'd be,
(23:01):
like cool, we're saving $300.
Like now we can go out to eatmore, you know, and it's like
good, or you know you could alsoput that towards your mortgage
to make it go away faster.
You already have it in yourbudget.
Speaker 2 (23:13):
Right, right, yeah, and it's important to to have
you know your if your lender iskeeping an eye on your stuff for
you.
I mean, I love refinancingpeople.
There's a lot of lenders whofocus so much on just like the
purchase business that sometimesopportunities come up and they
miss them because they're morefocused on that.
I always have every singlething.
(23:33):
I have actually a rate watchprogram where, if the market
looks like it's beneficial, Ialways reach out to the clients
and show them like, hey, here'swhat you can do right now.
They don't always say yes, butat least they know what's out
there as the market's moving.
Speaker 1 (23:50):
Yeah, well, and I think knowledge is power.
So I mean, I think even thatyou do that is huge, because you
know to your point, not everylender out there is doing that
and you know, like some, someare just focused on the
homeowners and that's okay, likethey don't have systems in
place like you do.
So I think that's, you know,another really good selling
(24:11):
point for why they should workwith you and why they should
work with you know, titheLending, because you do, you
know, do that that extra mile.
Speaker 2 (24:19):
Yeah, yeah, for sure.
Speaker 1 (24:21):
Yeah, I love it.
Well, I will make sure thateverything, um you know is in
the show notes so you know howto work with you.
Um, you know, do you have alike on your website?
Does it talk about yourfoundation and like the?
Um you know, I know you guysare getting ready to have, like,
a foundation grant night, whichI think is so cool.
Um, do you guys have that onyour website where you talk
(24:48):
about like, or is there afoundation website?
I just want to make sureeveryone kind of knows about the
.
You know the impact that youare making, um, and I just want
to, you know, make sure thatthey see that.
Speaker 2 (24:53):
Yeah, sure, uh, yeah, the foundation is
tithefoundation.
Uh, and then tithelendingcomhas links to that as well.
And I'll just say, you know, ifyou're someone who is listening
to this and you're like, hey,you know, I want to be part of
that, we do take businesspartnerships, uh, where you can
become part of the foundation.
(25:14):
Uh, if you just pledge acertain amount of your, you know
it doesn't have to be apercentage or anything like that
, but if you pledge a certainamount per year, then you can be
part of that and come to thegrant nights and vote on who
gets the grants and those kindof things.
Speaker 1 (25:28):
Yeah, I'm so excited that I get to be there you know,
next week or two weeks from now?
No, next week.
Speaker 2 (25:36):
Next week the 20th, yeah, yeah.
Next Thursday, I think, yeah,yeah.
Speaker 1 (25:43):
So, yeah, I'm super excited about that, cause I'll
get to see that and, um, youknow kind of uh see firsthand
all the stuff that you guys doand um, you know and talk about
uh getting involved, cause again, I just think it's, it's such a
great mission that you guys doand it really aligns with, um
you know, a lot of my values andeverything.
Speaker 2 (25:58):
So yeah, I'm excited for you to come because I want,
I want to see you know your,your brain of you, know your
nonprofit brain, that you haveso much experience, and I just
want to see any, maybe some.
Maybe we can learn somethingfrom you and, you know, get some
suggestions from you.
That'd be great.
I talked to my brother aboutthat as well and he was like,
yeah, I'd love to sit down withher and just pick her brain on
anything we can do to just makeme.
(26:19):
I mean, we want things to go asfar as possible.
You know, like let the dollarsdo as much as they can.
So, yeah, that'd be great.
Speaker 1 (26:31):
I love that.
Yeah, I'm super excited.
Well, thank you so much again.
I know you're super busy, so Iappreciate you taking time out
to record this and, um, you know, just help me get information
out there to help people becauseyou know, like I said,
knowledge is power and I justthink you guys are doing such
cool stuff that I wanted to makesure that you know the first
time homebuyers and sellers andyou know, even if they're not
first time homebuyer and seller,but they haven't bought or sold
in the last five years, this isstill really good knowledge and
(26:54):
really good information.
So, thank you so much foreverything.
Speaker 2 (26:58):
Yeah, no problem, thanks for having me.
Speaker 1 (27:03):
Yeah, of course, and, like I said, I'll have
everything in the show notes, soanyone that's listening, you
know, if you weren't able toscribble down anything, just go
to the show notes.
You can click on stuff.
You know, I'll have links toyour socials as well.
Speaker 2 (27:13):
Awesome, thank you.
Speaker 1 (27:14):
Yeah, absolutely Well .
Thank you so much for tuning in.
I really appreciate it.
Please, really appreciate it.
Please make sure that you areleaving a review.
Five star would be appreciated,but that review and feedback is
a gift, so it's the greatestgift you can give us.
Please make sure that you aresharing this with others,
because that is the greatestcompliment that you can give.
(27:34):
Steve and myself is sharingthis, and make sure you're
following along so you nevermiss another episode.
Thanks so much and we'll seeyou next time on.
Come to Find Out.
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