September 23, 2025 • 14 mins
The Federal Reserve's recent interest rate cut has ironically led to volatile mortgage rates as the bond market adjusts. Property tax reassessments in Minnesota, Arizona, Florida and many more states are causing homeowners' tax bills to double or triple as counties update values for the first time in a decade.
• Mortgage rates experiencing volatility following Fed rate cut due to bond market adjustments
• More Fed rate cuts expected through year-end as "catch-up" for delayed action
• Property tax reassessments in Minnesota causing dramatic increases from $4K to $7K or $7K to $15K
• Strategies to manage higher property taxes include shopping for new insurance and talking to servicers about escrow options
• Tax statements with new assessed values typically arrive in October
If you're experiencing increases in property taxes or insurance, reach out to us. We can help implement strategies to keep your mortgage payment affordable, whether through refinancing or other options.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
It is Monday, september 22nd, and we are here
with Nikki Erickson, withKevnick Mortgage, on the Monday
Market Update.
How are you, nikki?
Speaker 2 (00:11):
I'm doing great.
How are you doing?
Speaker 1 (00:13):
Lovely.
Speaker 2 (00:14):
Good, good, well, happy Monday everyone.
We are seeing some slightincreases in mortgage interest
rates this morning as a resultof the Fed actually dropping
interest rates last week.
So what happens just as aroutine for when we talk about
the Fed dropping interest rates?
I talked about before how thatkind of perceived improvement in
(00:35):
interest rates usually happensaround the two weeks before the
interest rate actually dropsbecause it affects the bond
market.
So what we call that is thatthat drop has already been baked
into the market.
So what we were seeing isinterest rates in the high fives
, low sixes.
Well, what inevitably happensis that a couple of days after
the Fed drops the interest rate,the actual bond market will
respond to that in like the realtime or real response to the
(01:01):
dropping of that Fed interestrate.
So that bond market willactually start to increase back
up a little bit.
So what we're seeing today iskind of just this volatile
market that's going up and down.
We also are right on that25-day average which, when we
see that in the bond market wetend to have very volatile
swings up and down in the market.
So it should settle back downlater this week.
But as of today, if someone islooking to lock in their rate
(01:24):
today or is wanting to.
You know, take a look atgetting rates quoted and things
like that.
Today's probably not the bestday because we're experiencing
that volatility.
So just something to keep inmind as people are considering
looking at different options.
With that being said, I want totalk about the Fed and their
dropping of interest ratesthrough the end of the year.
(01:44):
So, of the voting members thatare on the Fed right now as far
as dropping interest rates, mostof the voting members are less
conservative than Powell wantsto be when it comes to dropping
rates.
This is going to be good newslong term, but as we kind of
move through the end of the year, those voting members were
really relying on them to keepdropping that interest rate to
(02:06):
put the market back in line asto where it should be, and so a
lot of what's going to bedropping throughout the end of
the year is what we call catchup, because people are thinking
that.
You know, the economists andthe experts are saying this
should have started happening along time ago this year.
This should have been happeningin, you know, february and
March.
You know that time frame whereI think we had talked about how,
(02:27):
yes, you know, hopefullythey'll start dropping interest
rates soon.
So they waited a really longtime, and really longer than
they should have, in order to dothis.
So these drops that we're goingto see are starting to take
place from now until the end ofthe year.
So I know I said this last weekfrom a refinance perspective
year.
So I know I said this last weekfrom a refinance perspective.
(02:48):
We really want to see interestrates kind of ride the wave down
through the end of the yearbefore we really look at some
serious options.
The other thing I wanted to talkabout that's been happening,
especially in Minnesota, and soyou're you know I've talked to
realtors who have started to getcalls from clients.
I started to get a lot of callsfrom clients in Minnesota, and
this is also happening inArizona and Florida as well, but
(03:09):
in Minnesota in particular, thecounties have started through
all of this the beginning ofthis year that they are
reassessing or reappraising thetax assessed value of your home
and increasing your propertytaxes based on that.
So the county has a right to goout and reassess your property
at really any time.
(03:30):
The times that they do reassessyour property is if, like let's
say, you pulled a permit for arenovation.
Once that renovation iscomplete, they'll oftentimes
send somebody out to the countyto reassess value on your home
to update your property taxes.
Well, this is actuallyhappening in multiple counties
in Minnesota for homes thathaven't had new tax assessed
value since in the last 10 years.
(03:51):
And so what people areexperiencing is because October
is when that new tax amountcomes out for the following year
, people are getting propertytax statements that are doubling
and even tripling theirproperty taxes, and it has to do
with the county not assessingthe value of the home in the
last 10 years.
So, if you remember, in thelast 10 years we've experienced
(04:12):
major appreciation in homes,especially during that COVID
timeframe.
And so when the county comes inand says, okay, let's say you
could sell your house for$500,000, the county's coming in
and saying, well, your taxassessed value is $460,000 or
$440,000, where prior it waslike $200,000.
And so what we're seeing is alot of catch-up.
I've had people go fromproperty taxes of about $4,000
(04:35):
to now around $7,000.
I've had people go fromproperty taxes of around $7,000
to now it's upwards of $15,000.
And so I've gotten multiplecalls and multiple people
calling me saying, oh my gosh,what am I going to do?
Not only did I have to take ahigher interest rate when I
bought the home, but now I havea $7,000 tax bill and I've got a
$5,000 insurance bill.
(04:55):
What am I going to do?
So I just want to tell peoplethat if you're experiencing
increases in property taxes orincreases in insurance, reach
out to me.
We don't necessarily need torefinance, but there are some
things that we can do to helprelieve that increase in payment
.
One of the clients was tellingme this weekend.
He said it feels like, betweenmy taxes and insurance, that I
(05:17):
just bought another house andI'm making a double market
payment.
Yeah, so it's happening allover Minnesota.
I've checked with people insmall towns.
I've checked with people in themajor metropolitan area.
It is happening.
These values are gettingreassessed and the counties are
wanting more money for theproperty tax side of things.
(05:46):
That going to affect things.
It just depends on yoursituation.
We might end up implementing arefinance.
We might end up saying, okay,these are some other things that
you can do.
One of the strategies from arefinance standpoint is yes,
there is a cost to refinance.
However, if your mortgagepayment is going to become
unaffordable because of thetaxes and insurance increase.
We've got to be able toimplement a strategy to get that
mortgage payment down.
(06:06):
No one should be taxed out ofthe affordability of their home.
So call me.
Let's have a discussion, let'stalk through different options
that can get that mortgagepayment back in line.
Speaker 1 (06:20):
Wow, yes.
So, for example, I'm inPlymouth in Minnesota and we,
since we bought the house aboutfive years ago, went from about
$4,000 to over $6,000 over fiveyears.
So I don't know honestly ifthat's been assessed or if
that's just been what'sincreased.
That seems about average.
Okay, so that's probablywithout an assessment happening.
(06:43):
Yes, correct?
Wow, yes, because I was justwondering what the difference is
, because I know every year itgoes up a little bit.
But yeah, if it's still notassessed at what it would sell
for.
Speaker 2 (06:54):
Yeah, we're seeing $2,000 to $3,000 increases in a
single year.
Speaker 1 (06:59):
Wow, you know, in a gotten calls from them and it's
like, wow, we have to really,you know, be cognizant of this
and really help them assess whattheir next move is and what
their next best move is agentchecking in with my clients this
(07:23):
fourth quarter coming up, ifthat's happened to them, what,
and having them reach out to youor we can say there's things
that we can do potentially thatcan help with this.
Besides refinancing, do youhave any strategies or tools or
resources that you can sharewith us, or a couple of
different direction that itmight go?
Speaker 2 (07:43):
So the main thing that I always do is I have them
look at their insurance costs,because most of the time when
your taxes go up, your insurancegoes up.
Insurance one is an easycorrection.
There's plenty of insurancecompanies out there and made in
very affordable rates from thatstandpoint to help offset that.
The other option is you know,like, obviously, what's your
interest rate, because if you'rein the upper sevens we can help
you from a relief from thatstandpoint.
(08:04):
The other option would be tocall your servicer, talk to them
about the balance in yourescrow account and if you do get
a letter saying here's yourpayment that's going up, we can
talk about options to grab theoverage or whatever it is you're
trying to make up for and payit in one lump sum to try to
keep that payment down as well.
(08:27):
So, for example, if your taxesgo up $3,000, that doesn't mean
your escrow payment is going togo up by that much.
It means they're going toassess what's in there already
and how much they need to makeup for.
A lot of times it's like $1,000or so, but they'll take that
$1,000 and they'll spread it outover a certain amount of time
to pay back and then have ahealthy escrow account again.
But they do also offer anoption of a one-time lump sum
payment of whatever that amountis, to keep the same payment, so
(08:48):
that you can keep the samepayment moving forward, or it
only increases slightly and notby these big chunks.
Speaker 1 (08:55):
Yeah, okay, no, that's good to know what the
options is, just so that we canhelp our clients close on the
home.
If the roof wasn't newer than I, think it was 10 or 12 or 15
years, have you?
Speaker 2 (09:32):
been seeing that at all.
The mortgage company wouldn'tclose on it.
Speaker 1 (09:36):
Yeah, or the lender.
The lender was like the roofneeds to be newer.
Oh, interesting yeah.
Speaker 2 (09:42):
I mean on our side, that just has to do with
insurance coverage and whetherthe insurance is going to cover
it, unless there's somethingmaterially wrong with the roof
via the appraisal.
So the appraiser went up thereand said, hey, those shingles
are curling up and this ispretty bad, and it would have to
be pretty bad to be called outby an appraiser.
Other than that, I can'timagine that we would say we're
(10:03):
not gonna close on a loan wherea roof is not newer than 15
years.
Speaker 1 (10:07):
Yeah, maybe it was insurance not you say it was a
while ago, but that's more inline with insurance it is.
Speaker 2 (10:13):
And just so you know, there are companies that will
still insure a property withoutroof coverage.
So that will still insure aproperty without roof coverage.
So, in other words, a lot ofcompanies will say we're not
going to cover anything wherethe roof is 20 years or older,
whatever their number is, andtherefore if the roof is that,
we won't give them any insuranceat all.
There are insurance companieswhere you can exclude just the
roof coverage and still have therest of the third meter of the
(10:35):
property covered by insurance.
Speaker 1 (10:38):
Okay, that's good to know because that can be
something definitely that I'veseen people run into.
And so, on the other end ofthat, are there insurance places
that will just insure roofs,potentially, if you can't get it
with your?
No, okay.
Speaker 2 (10:54):
No, it's just, some of them will exclude it.
But no, you don't have aninsurance company that just
covers every RUF.
They're not really there tocover the RUFs, they're there to
make money.
Speaker 1 (11:05):
Yeah, and RUF.
It's very apparent, and it'sbecoming even more so, that it's
not working for many insurancecompanies out there.
So, no, that makes sense.
And just wanted to ask all thequestions that I know I'll get
as well from people listening tothis.
Yeah, there's tons going on, soit's being aware, staying up to
(11:25):
date, getting on these calls orlistening again to the
recording, either on Nikki'ssocial media, mine, my podcast
on Buzz Sprout or the YouTubechannel.
So definitely staying top ofmind and having really good
conversations.
And if you run into anythingthat you don't know the answer
to or that stumps you, that's aperfect time to reach out to
(11:47):
Nikki or myself and we caneither answer the question for
you or get you in contact withsomeone.
That can, for sure.
Speaker 2 (11:54):
Absolutely yeah, we're always here to help.
Speaker 1 (11:57):
Yeah, well, wonderful , well, yeah, that's a lot, and
I'm glad that you brought thatup, because I know clients that
you know purchased in the lastyear, three years, five years.
(12:23):
To get them ready for this orproactively get them in touch
with you, would that make adifference?
Speaker 2 (12:28):
Yeah, well, I mean, they can definitely get in touch
with their county to see if ithas been assessed.
But you know, just preparingthem and saying you're going to
get your tax statement and if itis a huge increase, let's talk
about it.
Let's talk about what needs tohappen.
Speaker 1 (12:42):
Yep, and you said that will probably be coming in
October.
Speaker 2 (12:44):
It should be coming, yeah, pretty quickly.
Speaker 1 (12:46):
So perfect time we're September 22nd.
Speaker 2 (12:49):
Exactly October 15th is when the next tax installment
is due in Minnesota, andusually those values have taken,
those assessments have taken,have those assessments have
taken place throughout theentire year and then they'll
start sending out the next taxyear's information.
Speaker 1 (13:06):
Yeah.
Speaker 2 (13:07):
So yeah.
Speaker 1 (13:08):
Well, thank you so much for the heads up.
Again, that will put us infront of a lot of agents that
aren't even they don't even havethis on the radar, aren't
paying attention or just notthinking outside the box.
So, as always, nikki,appreciate you.
You're showing up, giving usthis great information, things
to think about and other toolsin our tool belt that will
(13:29):
absolutely set us apart and helpour clients thrive in today's
changing market.
Speaker 2 (13:35):
Happy to help.
Speaker 1 (13:36):
All right, well, until next week, everyone go out
sell something, and if you needanything at all, you know where
to find us.
Speaker 2 (13:42):
Yep, See you everyone .
Speaker 1 (13:44):
Bye.
It is Monday, september 22nd, and we are here
with Nikki Erickson, withKevnick Mortgage, on the Monday
Market Update.
How are you, nikki?
Speaker 2 (00:11):
I'm doing great.
How are you doing?
Speaker 1 (00:13):
Lovely.
Speaker 2 (00:14):
Good, good, well, happy Monday everyone.
We are seeing some slightincreases in mortgage interest
rates this morning as a resultof the Fed actually dropping
interest rates last week.
So what happens just as aroutine for when we talk about
the Fed dropping interest rates?
I talked about before how thatkind of perceived improvement in
(00:35):
interest rates usually happensaround the two weeks before the
interest rate actually dropsbecause it affects the bond
market.
So what we call that is thatthat drop has already been baked
into the market.
So what we were seeing isinterest rates in the high fives
, low sixes.
Well, what inevitably happensis that a couple of days after
the Fed drops the interest rate,the actual bond market will
respond to that in like the realtime or real response to the
(01:01):
dropping of that Fed interestrate.
So that bond market willactually start to increase back
up a little bit.
So what we're seeing today iskind of just this volatile
market that's going up and down.
We also are right on that25-day average which, when we
see that in the bond market wetend to have very volatile
swings up and down in the market.
So it should settle back downlater this week.
But as of today, if someone islooking to lock in their rate
(01:24):
today or is wanting to.
You know, take a look atgetting rates quoted and things
like that.
Today's probably not the bestday because we're experiencing
that volatility.
So just something to keep inmind as people are considering
looking at different options.
With that being said, I want totalk about the Fed and their
dropping of interest ratesthrough the end of the year.
(01:44):
So, of the voting members thatare on the Fed right now as far
as dropping interest rates, mostof the voting members are less
conservative than Powell wantsto be when it comes to dropping
rates.
This is going to be good newslong term, but as we kind of
move through the end of the year, those voting members were
really relying on them to keepdropping that interest rate to
(02:06):
put the market back in line asto where it should be, and so a
lot of what's going to bedropping throughout the end of
the year is what we call catchup, because people are thinking
that.
You know, the economists andthe experts are saying this
should have started happening along time ago this year.
This should have been happeningin, you know, february and
March.
You know that time frame whereI think we had talked about how,
(02:27):
yes, you know, hopefullythey'll start dropping interest
rates soon.
So they waited a really longtime, and really longer than
they should have, in order to dothis.
So these drops that we're goingto see are starting to take
place from now until the end ofthe year.
So I know I said this last weekfrom a refinance perspective
year.
So I know I said this last weekfrom a refinance perspective.
(02:48):
We really want to see interestrates kind of ride the wave down
through the end of the yearbefore we really look at some
serious options.
The other thing I wanted to talkabout that's been happening,
especially in Minnesota, and soyou're you know I've talked to
realtors who have started to getcalls from clients.
I started to get a lot of callsfrom clients in Minnesota, and
this is also happening inArizona and Florida as well, but
(03:09):
in Minnesota in particular, thecounties have started through
all of this the beginning ofthis year that they are
reassessing or reappraising thetax assessed value of your home
and increasing your propertytaxes based on that.
So the county has a right to goout and reassess your property
at really any time.
(03:30):
The times that they do reassessyour property is if, like let's
say, you pulled a permit for arenovation.
Once that renovation iscomplete, they'll oftentimes
send somebody out to the countyto reassess value on your home
to update your property taxes.
Well, this is actuallyhappening in multiple counties
in Minnesota for homes thathaven't had new tax assessed
value since in the last 10 years.
(03:51):
And so what people areexperiencing is because October
is when that new tax amountcomes out for the following year
, people are getting propertytax statements that are doubling
and even tripling theirproperty taxes, and it has to do
with the county not assessingthe value of the home in the
last 10 years.
So, if you remember, in thelast 10 years we've experienced
(04:12):
major appreciation in homes,especially during that COVID
timeframe.
And so when the county comes inand says, okay, let's say you
could sell your house for$500,000, the county's coming in
and saying, well, your taxassessed value is $460,000 or
$440,000, where prior it waslike $200,000.
And so what we're seeing is alot of catch-up.
I've had people go fromproperty taxes of about $4,000
(04:35):
to now around $7,000.
I've had people go fromproperty taxes of around $7,000
to now it's upwards of $15,000.
And so I've gotten multiplecalls and multiple people
calling me saying, oh my gosh,what am I going to do?
Not only did I have to take ahigher interest rate when I
bought the home, but now I havea $7,000 tax bill and I've got a
$5,000 insurance bill.
(04:55):
What am I going to do?
So I just want to tell peoplethat if you're experiencing
increases in property taxes orincreases in insurance, reach
out to me.
We don't necessarily need torefinance, but there are some
things that we can do to helprelieve that increase in payment
.
One of the clients was tellingme this weekend.
He said it feels like, betweenmy taxes and insurance, that I
(05:17):
just bought another house andI'm making a double market
payment.
Yeah, so it's happening allover Minnesota.
I've checked with people insmall towns.
I've checked with people in themajor metropolitan area.
It is happening.
These values are gettingreassessed and the counties are
wanting more money for theproperty tax side of things.
(05:46):
That going to affect things.
It just depends on yoursituation.
We might end up implementing arefinance.
We might end up saying, okay,these are some other things that
you can do.
One of the strategies from arefinance standpoint is yes,
there is a cost to refinance.
However, if your mortgagepayment is going to become
unaffordable because of thetaxes and insurance increase.
We've got to be able toimplement a strategy to get that
mortgage payment down.
(06:06):
No one should be taxed out ofthe affordability of their home.
So call me.
Let's have a discussion, let'stalk through different options
that can get that mortgagepayment back in line.
Speaker 1 (06:20):
Wow, yes.
So, for example, I'm inPlymouth in Minnesota and we,
since we bought the house aboutfive years ago, went from about
$4,000 to over $6,000 over fiveyears.
So I don't know honestly ifthat's been assessed or if
that's just been what'sincreased.
That seems about average.
Okay, so that's probablywithout an assessment happening.
(06:43):
Yes, correct?
Wow, yes, because I was justwondering what the difference is
, because I know every year itgoes up a little bit.
But yeah, if it's still notassessed at what it would sell
for.
Speaker 2 (06:54):
Yeah, we're seeing $2,000 to $3,000 increases in a
single year.
Speaker 1 (06:59):
Wow, you know, in a gotten calls from them and it's
like, wow, we have to really,you know, be cognizant of this
and really help them assess whattheir next move is and what
their next best move is agentchecking in with my clients this
(07:23):
fourth quarter coming up, ifthat's happened to them, what,
and having them reach out to youor we can say there's things
that we can do potentially thatcan help with this.
Besides refinancing, do youhave any strategies or tools or
resources that you can sharewith us, or a couple of
different direction that itmight go?
Speaker 2 (07:43):
So the main thing that I always do is I have them
look at their insurance costs,because most of the time when
your taxes go up, your insurancegoes up.
Insurance one is an easycorrection.
There's plenty of insurancecompanies out there and made in
very affordable rates from thatstandpoint to help offset that.
The other option is you know,like, obviously, what's your
interest rate, because if you'rein the upper sevens we can help
you from a relief from thatstandpoint.
(08:04):
The other option would be tocall your servicer, talk to them
about the balance in yourescrow account and if you do get
a letter saying here's yourpayment that's going up, we can
talk about options to grab theoverage or whatever it is you're
trying to make up for and payit in one lump sum to try to
keep that payment down as well.
(08:27):
So, for example, if your taxesgo up $3,000, that doesn't mean
your escrow payment is going togo up by that much.
It means they're going toassess what's in there already
and how much they need to makeup for.
A lot of times it's like $1,000or so, but they'll take that
$1,000 and they'll spread it outover a certain amount of time
to pay back and then have ahealthy escrow account again.
But they do also offer anoption of a one-time lump sum
payment of whatever that amountis, to keep the same payment, so
(08:48):
that you can keep the samepayment moving forward, or it
only increases slightly and notby these big chunks.
Speaker 1 (08:55):
Yeah, okay, no, that's good to know what the
options is, just so that we canhelp our clients close on the
home.
If the roof wasn't newer than I, think it was 10 or 12 or 15
years, have you?
Speaker 2 (09:32):
been seeing that at all.
The mortgage company wouldn'tclose on it.
Speaker 1 (09:36):
Yeah, or the lender.
The lender was like the roofneeds to be newer.
Oh, interesting yeah.
Speaker 2 (09:42):
I mean on our side, that just has to do with
insurance coverage and whetherthe insurance is going to cover
it, unless there's somethingmaterially wrong with the roof
via the appraisal.
So the appraiser went up thereand said, hey, those shingles
are curling up and this ispretty bad, and it would have to
be pretty bad to be called outby an appraiser.
Other than that, I can'timagine that we would say we're
(10:03):
not gonna close on a loan wherea roof is not newer than 15
years.
Speaker 1 (10:07):
Yeah, maybe it was insurance not you say it was a
while ago, but that's more inline with insurance it is.
Speaker 2 (10:13):
And just so you know, there are companies that will
still insure a property withoutroof coverage.
So that will still insure aproperty without roof coverage.
So, in other words, a lot ofcompanies will say we're not
going to cover anything wherethe roof is 20 years or older,
whatever their number is, andtherefore if the roof is that,
we won't give them any insuranceat all.
There are insurance companieswhere you can exclude just the
roof coverage and still have therest of the third meter of the
(10:35):
property covered by insurance.
Speaker 1 (10:38):
Okay, that's good to know because that can be
something definitely that I'veseen people run into.
And so, on the other end ofthat, are there insurance places
that will just insure roofs,potentially, if you can't get it
with your?
No, okay.
Speaker 2 (10:54):
No, it's just, some of them will exclude it.
But no, you don't have aninsurance company that just
covers every RUF.
They're not really there tocover the RUFs, they're there to
make money.
Speaker 1 (11:05):
Yeah, and RUF.
It's very apparent, and it'sbecoming even more so, that it's
not working for many insurancecompanies out there.
So, no, that makes sense.
And just wanted to ask all thequestions that I know I'll get
as well from people listening tothis.
Yeah, there's tons going on, soit's being aware, staying up to
(11:25):
date, getting on these calls orlistening again to the
recording, either on Nikki'ssocial media, mine, my podcast
on Buzz Sprout or the YouTubechannel.
So definitely staying top ofmind and having really good
conversations.
And if you run into anythingthat you don't know the answer
to or that stumps you, that's aperfect time to reach out to
(11:47):
Nikki or myself and we caneither answer the question for
you or get you in contact withsomeone.
That can, for sure.
Speaker 2 (11:54):
Absolutely yeah, we're always here to help.
Speaker 1 (11:57):
Yeah, well, wonderful , well, yeah, that's a lot, and
I'm glad that you brought thatup, because I know clients that
you know purchased in the lastyear, three years, five years.
(12:23):
To get them ready for this orproactively get them in touch
with you, would that make adifference?
Speaker 2 (12:28):
Yeah, well, I mean, they can definitely get in touch
with their county to see if ithas been assessed.
But you know, just preparingthem and saying you're going to
get your tax statement and if itis a huge increase, let's talk
about it.
Let's talk about what needs tohappen.
Speaker 1 (12:42):
Yep, and you said that will probably be coming in
October.
Speaker 2 (12:44):
It should be coming, yeah, pretty quickly.
Speaker 1 (12:46):
So perfect time we're September 22nd.
Speaker 2 (12:49):
Exactly October 15th is when the next tax installment
is due in Minnesota, andusually those values have taken,
those assessments have taken,have those assessments have
taken place throughout theentire year and then they'll
start sending out the next taxyear's information.
Speaker 1 (13:06):
Yeah.
Speaker 2 (13:07):
So yeah.
Speaker 1 (13:08):
Well, thank you so much for the heads up.
Again, that will put us infront of a lot of agents that
aren't even they don't even havethis on the radar, aren't
paying attention or just notthinking outside the box.
So, as always, nikki,appreciate you.
You're showing up, giving usthis great information, things
to think about and other toolsin our tool belt that will
(13:29):
absolutely set us apart and helpour clients thrive in today's
changing market.
Speaker 2 (13:35):
Happy to help.
Speaker 1 (13:36):
All right, well, until next week, everyone go out
sell something, and if you needanything at all, you know where
to find us.
Speaker 2 (13:42):
Yep, See you everyone .
Speaker 1 (13:44):
Bye.
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