Shout outs. Contractor fraud/legal. Interest rates

Episode Transcript

Speaker 1 (00:14):
Navigating today's real estate market can be tricky. Want to
buy or sell a house, finance or insure a house,
or stuck with a house and don't know what to do.
Florida Talk real Estate has been your local one stop
real estate shop since twenty twelve. Get the advice you
need from your local real estate pros. Here are your hosts,
Jim Depola and Johnny c. You live on real radio.

Speaker 2 (00:36):
Yeah, good Saturday morning. Welcome to another edition. It's Florida
Talk real Estate. We got you for two hours of infotainment.

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Stream on a Saturday too. That's right.

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I want to check out some lovely faces and maybe
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You choose.

Speaker 2 (01:00):
Go to Florida Talk real Estate Facebook page on YouTube
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Speaker 3 (01:09):
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Speaker 2 (01:11):
Home of a ton of informational chunk videos plus our
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Dial it up eight seven seven nine two seven six
nine six'. Nine the first voice you'll hear the melodious

(01:31):
tones of our, producer Extraordinary, jimothy my brother from another.

Speaker 3 (01:34):
Mother how you doing do?

Speaker 2 (01:35):
It i'm mighty. Five good, Morning.

Speaker 4 (01:36):
Johnny how are you?

Speaker 2 (01:37):
Today i'm, good my. Man always good to see, you,
pleasure good to see you as. Well thank you very.
MUCH i am your old, buddy your, Pal JOHNNY c
your air Traffic. Control let's go ahead and get your
starting lineup on A saturday. Morning There's Mike, row the
mortgage guy from the mortgage.

Speaker 3 (01:49):
Firm Hello, mike.

Speaker 4 (01:50):
Good, morning. Sir hold, ON i know you might have
to change your your title just because of the reputation
white REPUTATION atc is having trouble right, now especially up
in new. Work Air Traffic.

Speaker 3 (02:01):
Control, yeah, yeah it's. Not it's not their. Fure OH i,
KNOW i.

Speaker 4 (02:05):
Know just you, know it makes people think certain slackers
always a pleasure to. See, yeah, yeah, yeah good.

Speaker 3 (02:13):
Morning so what do you what would you Recommend.

Speaker 4 (02:15):
Oh i'd have to think about.

Speaker 3 (02:16):
That like air traffic control really kind of it paints the.

Speaker 4 (02:19):
Pit it paints a. Picture, yeah certainly. DESCRIPTIVE i don't.

Speaker 3 (02:22):
KNOW i don't know a better but a.

Speaker 4 (02:23):
CRASHING i guess that's that's the.

Speaker 2 (02:25):
PROBLEM i hope, not because that that's gonna that's gonna
weigh on me. Forever that's, like that's not WHEN i
let go just, quickly you, know always get to see
you my. Control, okay crowd control, nice no Ground, oh
crowd works.

Speaker 3 (02:38):
TOO i was GONNA i was gonna.

Speaker 2 (02:40):
Go Crowd let's let's say hello to our fearless leader
thirteen plus years. Now i've told you he runs a
top Producing Keller williams, team The Florida Home pros team
At Keller Williams.

Speaker 3 (02:48):
Innovations There's jimmy d Jim, depola how you?

Speaker 5 (02:51):
Be hey Good. Johnny i'm just saying hell lord to
everybody coming on Our facebook and YouTube. CHANNEL i so, great.
Great uh got a really great show, Today. Johnny we're
gonna be talking about mortgage interest rates With mike because
that's been top of the news for this week in
real estate market has been pretty, big, sure but we're
gonna have a little different take on. It so we're
gonna help buyers find out how, to you, know how

(03:13):
to leverage these higher mortgage rates to actually get a
better deal on their. House so we're going to give
tips on buyers so that they don't get screwed over
in this. Market so if you're thinking about buying a
house anytime this summer or this, year this will be
a really great time to not only get some really
great viable information on how to set you up to

(03:34):
make that, happen but also to call us live on
the air and Ask mike with any. Questions that would be.
Awesome so if we have, questions we got the, answers
give us a. Call we're also going to do a
little bit of shout, outs AND i know That sean
is going to be calling in in a little. Bit
we have an open house coming up, today So i'm
really excited about all. That and, Up jim aty it

(03:54):
says that our YouTube volume is. Off do you know
why that would be? Happening? Johnny could you take over
just for one? Second?

Speaker 2 (04:03):
Sure absolutely always Remember Florida talkrealestate dot. Com as we
lay out The facebook page of the, YouTube. Page remember
the dot Com this is your resource of the entire,
team your one stop real estate Shop Florida talkrealestate dot
com and hopefully you can hear me YouTube know What
i'm talking?

Speaker 3 (04:18):
About, yeah.

Speaker 5 (04:19):
Exactly, hey any any other YouTube listeners can you let
us know if you're having any problems with your? Volume?
YEAH i have other people saying it's, better.

Speaker 3 (04:28):
So it could be user error, too by the.

Speaker 5 (04:31):
Way, yeah and also the computer's a little slow to
IN i, noticed so maybe it's The Wi fi a
little bit. TOO i don't, know but everybody's saying it's getting.
Better so if anybody has any other, problems and thank
you for letting me know about, That but if you
have any other, problems please let us. Know is the echo?
Gone just one last? Thing, guys everybody's just pinning pretty.
Quick looks like that should should have been an.

Speaker 2 (04:49):
Echo your mic.

Speaker 3 (04:50):
Wasn't so we're good to go.

Speaker 5 (04:52):
Now oh, okay that was my. Problem typical thing anytime
there's a problem, technologically first thing you gotta do is
look At jimmy d and say what's going, Not, jimmy
did you do everything? Right let me tell you something
WHEN i ANYTIME i try to do anything. TECH i
have all these friends that do this stuff all the.
Time they, go, oh it's so, easy it's so. Easy
and then they're, like let me just come over and

(05:12):
help you and show you how to do. Them, like, okay,
SURE i love. That you're. AWESOME i love you. Dude,
right they come, over they open up my equipment using
the same stuff they use on their, computers, right same
apps and all that same. Equipment they start tap, around
so you just do like this tap tap tap tap
top tap. Click uh, uh you're supposed to do it like,
this tap tap tap tap tap tap. Click, OH i

(05:34):
don't know. Why it is a worker for, you, Right
And i'm, like that's what happens my whole.

Speaker 4 (05:38):
Life welcome to my.

Speaker 5 (05:39):
World, YEAH i don't like, see it isn't just. Me
SO i always say that tech companies should hire, me
because if It's jimmy d, approved everybody can do.

Speaker 3 (05:49):
It.

Speaker 5 (05:50):
Right if it doesn't get the jimmyt stand up of,
approval you've got. Problems jimmy. Proof jimmy proof it.

Speaker 1 (05:55):
Exactly.

Speaker 2 (05:55):
See they say it's not about the, destination it's about the.
Journey your journey's much more adventure.

Speaker 5 (06:01):
Filled my journey is going through. Hell When i'm going through,
that it's like what walking through the valley of.

Speaker 6 (06:07):
Death that's what it feels, like walking through the value of.

Speaker 5 (06:10):
Death but, anyway thank you guys for putting up with
Our facebook and YouTube stuff on the radio because you're
important to the real radio listeners are a, Base so
thank you so. Much of, course, uh let's, See shauna
has not called in, yet so we're just gonna do
the shout outs. First if you. Know one of the
shout outs that we're going to do is a very unusual.

(06:31):
CASE i actually sold a property off, market WHICH i
normally don't do in off market sales have been in
the news a lot lately because there's a big controversy
between The Multiple Listing, service which is the service where
all the realtors put on listings so that other professionals
can see what's on the. Market that's what we call
THE MLS Mls multiple Ble Listing, service And zillo and

(06:55):
THE mls have been fighting a, lot and, Ironically zi
in my, mind is fighting the good fight in this.
One and you, Know i'm not a Big zillo, fan,
sure But zillo is upset BECAUSE mls has created a
system where if realtors and, owners more specific owners do
not want to put their property on THE, mls you're

(07:16):
allowed to. Now so what that happens is the controverse
behind that, is not everybody knows about the property. Now
when we had no inventory six months, ago eight months,
ago when there was no, inventory it was a very
big deal about whether you put it on THE mls
because there was so few homes for all the buyers out.
There but now we got tons of, inventory, Right so
of course that's when they're changing the rules because they're

(07:38):
always behind on, everything, Right so they're changing the rules
about what could be on THE mls or not when
we have way too many houses compared to the buyers right,
now which is something we're gonna talk about With.

Speaker 4 (07:48):
Mike where is it if it's not on THE?

Speaker 5 (07:49):
Mls uh, Zillo, oh thank.

Speaker 4 (07:52):
You.

Speaker 5 (07:53):
Well they what they'll do is they'll mark market it
internally within their brokerage or. Brokeeres yeah, right, Yeah so
if You're Keller, williams, Right i'm only going to market
it To Keller williams agents to let all The Keller
williams agents, know or at least in my brokerage Know,
HEY i got this, property do you have a buyer
that wants to buy? It Or kai's? Realty for, example

(08:15):
IF i Were kai's, realty they used to have this
policy a couple of years. AGO i don't know if
they still have. It bless you, might and they would
actually ask you to sign the listing and to not
put it on the market on THE mls for maybe
as long as two months to allow them to market it.

Speaker 4 (08:33):
Internally oh, yes seller put the seller with.

Speaker 5 (08:36):
That, YEAH i don't agree with. It i've always felt
that you always should put it on THE mls because
you never. Know if you don't put on THE, mls
you really don't know all the buyers that are interested
in buying your property. Exactly you're really deluding the amount
of buyers you, have so that's potentially could dilute your
highest and best number that you would.

Speaker 2 (08:55):
Get it's like an equivalent of putting a dip net
in or throwing out a big old cast.

Speaker 3 (08:59):
NET i, mean it's it's a night and.

Speaker 5 (09:00):
Day, difference it sure. Is and NORMALLY i always put
him on THE. Mls BUT i did have this unusual
case where the house was not in tip top. Condition
the seller really needed to, sell and he wanted a
certain amount from the house, minimum and he really didn't
want to go through the process of showing it because
he has he has people that live there that have

(09:25):
serious health. Issues let's just put it that, way so
it would make it very inconvenient to. Show, also it
wasn't going to show very well because of that situation
with the other people living. There so what we decided
to do WAS i had another property a mile and
a half that was on THE mls that was an
investor only property, also and so just like this property

(09:45):
was more like an investor only type of. Property so
what we did IS i took all the investors from
that publicly marketed property and, say, Hey i've got another
one a mile and a half down the road that's off.
Market if you like that, one let's go ahead and
get an offer on. THERE i sold the first property
on THE mls in like seven. Days it took me
like five months to find the buyer for this, one

(10:08):
right BECAUSE i didn't have a public marketed SO i
would talk to individual, investors ask him if they were interested,
in tell them to drive, by and if they were
to have them come into the.

Speaker 4 (10:18):
House so you didn't have it like, anywhere NO, mls no,
nothing no nothing of the websites every.

Speaker 5 (10:25):
Time, yeah AND i didn't even put it. ON i
didn't even put it out to The Keli. WILLIAMS i
literally just if investors called, ME i, say, Hey i've
got an off. Market so WHEN i took the, listing
the seller agreed to not put it on THE. Mls
there's a little contract clause in there in the listing.
AGREEMENT i put not on THE mls because that's what he.
Wanted and, congratulations we got the house under contract, yesterday

(10:49):
so he got what he wanted to. Net we still
got to get through the, inspection but it's a cash.
Deal in seven business, days i'll know if he's selling
the house or not for. Sure right and if he,
doesn't the numbers don't, Work no, harm no foul because
it wasn't on The this is why we did it this.
Way no, harm no foul because it wasn't on THE,
mls so it won't show back on market or. Anything
we gave it a shot off. Market if it doesn't,

(11:10):
work we're going to throw it on the market for,
everybody right and see if that'll work that. Way excellent,
so but there's a lot of people out there right
now that are thinking it's better just to go to
these we buy houses fast for cash kind of. Companies
you're losing about twenty five to thirty five percent of
whatever equity you have in the. House you're going to
be losing that to the investor that you're. Buying so

(11:32):
if you're willing to lose twenty five percent of the
net proceeds you're going to get on your house just
so you don't have to show, it because that's what
it's falling down, to THEN i guess that would be
value to. ME i don't know about, you BUT i
wouldn't want to lose twenty five percent of my heart in.
Equity if you.

Speaker 2 (11:48):
Can avoid, it that's for. Sure there's a there's there's
obviously a lane for. That then that's a value for some,
folks but not for. Everybody and in this, situation and
it's part of your tool belt, too like you have
connection with that kind of group or.

Speaker 5 (12:03):
We have on about three hundred investors in our database
that we could reach out, to and this guy wanted
it that, way, Right i'm SORRY i didn't say a
shout out To Vic, okay So Vi vic From west Pom.
Beach so he had a four, bedroom two bath home
out In west Pomp. Beach and so, anyway we're in a.
Contract we're going to see how it. GOES i see
That shawn is on the, phone and after, THAT i

(12:24):
have one more shout.

Speaker 2 (12:25):
Out, okay let's do. It So shawn has got a
details about an open house.

Speaker 5 (12:28):
Today, Yes i'm excited about.

Speaker 2 (12:29):
This, well welcome To Florida talk Real. Estate, shaana good
morning to, You.

Speaker 7 (12:33):
Good, Morning thank you guys so much for having me.

Speaker 2 (12:35):
Again this is.

Speaker 5 (12:36):
A rising rock star in our office at The Keller
Williams innovation's. Office we're On gateway And gateway and High.
Ridge now we just moved our. Offices. Shauna this is
your first year as an, agent.

Speaker 7 (12:48):
Right it sure.

Speaker 5 (12:50):
Is, Yeah she's just she's just rocking. It SHE i
just saw that you had another closing on a condo or.
SOMETHING i saw it On. Facebook, hey congratulations on. That
that's so AND shawna did the open house for. US
i think it was two weeks ago at Five damn Be.
Place got that house, Sold thank, You.

Speaker 2 (13:07):
SHAUNA i think the last words we spoke to her
were selling that.

Speaker 4 (13:09):
House.

Speaker 5 (13:10):
Yeah, Now shawna didn't bring the, Buyer that's, Okay but you,
know it's the effort and the the effort and the
energy you put into the. SALE i feel that that really,
helps you, know get the, buyers whether it's a buyer
coming from the open house or.

Speaker 2 (13:23):
Not.

Speaker 5 (13:23):
Sure, So, shawna thank you so, much And i'm hoping
we're going to have the same, luck the Same shauna
luck this. Week can you tell me what open house
you're doing this?

Speaker 7 (13:32):
Week absolutely. So i'll be at ten thirty one zero
three Zero Sugar Sands, Boulevard unit one sixty, seven And
i'll be there today from one to three. Pm and
this place is absolutely. Beautiful it's another. Condo it's right
on the. Water SHOULD i just dive into?

Speaker 2 (13:50):
It?

Speaker 5 (13:51):
Oh, sorry What, no keep, going you're doing? Great, yeah?
Awesome please.

Speaker 3 (13:55):
Yeah.

Speaker 7 (13:56):
Yeah so this place is. Stunning it's newly, updated renovated.
BEAUTIFULLY i, mean my favorite thing is the. Kitchen it's absolutely.
Beautiful it's open floor, plan very, spacious flows right into
the living, room which flows right into this beautiful view
of the. Intracoastal and you really can't beat. IT i,
mean if you're, retiring it is a fifty five plus.
Community so if you're retired or you're retiring here In South,

(14:19):
florida you, know guessing ten out of ten, times you
probably want to be as close to the water as.
Possible and place is directly on the. WATER i, mean
you can't beat.

Speaker 5 (14:28):
It, yeah it is awesome and the way that they
did the, RENOVATION i really like. It it has all
the light, colors like the light gray and the. Cream
creamy is not the right word because cream and gray
doesn't go well And i'm. Colorblind so it's like it's
like it's like it's like it tastes placed and fo
food critic it's no taste.

Speaker 4 (14:50):
Buds it's blue and red. WALLS i don't.

Speaker 5 (14:52):
Know, yeah, no it isn't that like joke, it but,
no they really did a nice. Job they opened up
the kitchen and broke it, out which is one of
the things you to do with a lot of condos
in that, area and so it really feels like an
open floor. Plan you have beautiful views of the, water
and that boat dock is really. Nice if you have
a small boat or let's say a couple jet skis

(15:12):
or something that would be the perfect boat top for
twenty three foot boat and for five hundred is it
five thirty nine or five twenty Nine i'm the barest
five twenty. Five, okay so five hundred and twenty five
thousand living on the inner, coastal put your boat in your, backyard,
right not too bad of a, life, Right hua's relatively

(15:35):
low for that. Area you're on THE a ONE a
in the, ocean but THE hoa is very competitive with
everything around, there even the newer. Buildings.

Speaker 4 (15:42):
Right you, see the dock is part of the real.

Speaker 5 (15:45):
Estate, yes part of the. Deal the dock comes with.
It and if you don't need the, dock you're allowed
to sell or rent the dock to anybody else in the,
community so you could use it as like an upsell
later it's Like i'll buy the house and Then i'll
sell the dock and make the house even less expensive
if you don't need the. Boat, Sure so there's a
lot of opportunities out. There i'm really happy that you're
going to be, there and it's going to be from

(16:06):
one to.

Speaker 8 (16:06):
Three you said, yes one to, three.

Speaker 5 (16:09):
Okay, awesome and can you. HEY i found out after
last week or two weeks AGO's open house That shauna
also has a side. Business SO i promise i'd let.
YOU i promise i'd let you talk about. That so
do you want to talk about the bartending? Stuff?

Speaker 7 (16:27):
Sure, yeah, absolutely so thank. You by the, way i'd
of you almost. Forgot SO i own a mobile bartending
service here In Palm Beach. County so we do like private, parties, events,
weddings bachelor of, parties birthday, parties anything you might want
a bartending service or a bartender for we cover and
we can provide everything but the. Alcohol SO i have

(16:49):
like pop up. BARS i make specialty. Mixes we bring the,
garnishes the, cups, straws literally, everything and make it super
easy for party hosts to kind of elevate their events
by having a bar service and you kind of step
back and enjoy your own celebration and you don't have
to worry about anything on that. End and, yeah we
cover From jupiter Down toboca.

Speaker 9 (17:10):
Lovel we.

Speaker 5 (17:11):
Do and what's the name of the what's the name
of your company, Again.

Speaker 8 (17:15):
It's Called Shawna's Mobile, Mixes Shawna's Mobile mixes And shawna's.

Speaker 5 (17:20):
S H a W na, right that's, Right Yeah's Mobile.
Yep so check it. OUT i highly. Recommend so if
you're looking for an, event you're looking for that reputal
person that's going to show up on time and do
a great. Job, yeah AND i you, KNOW i haven't
gone to one of. Events by seeing stuff on Her
facebook page and. Everything everybody looks like they're having to
blast and. Everything so think A. Shawna and if you

(17:42):
can't remember her name, later just, Remember, hey that radio
show they had that person on the.

Speaker 4 (17:46):
Air let me call.

Speaker 5 (17:47):
Them we'll get you over To.

Speaker 3 (17:48):
Shawna no.

Speaker 4 (17:48):
Problem was a couple of.

Speaker 2 (17:49):
Things you're looking. For you want to make sure they
know how to pour a good, drink, right have the
ability to make anything that you're asking. For and then
you have to have that personality and that shines through
a shan to hear. That, yeah and then anything else
is just, uh you, know it's, frosting it's, sprinkles anything
else is extra so. FANTASTIC i love the business AND
i love the zest that you. Have that's, Awesome.

Speaker 5 (18:10):
Shauna So, Shawna, yeah so thank you so. MUCH a
couple of things about the open house, today it's not,
caated so you don't have to worry about going through the.
Gates so if you want to check out this, condo
all you got to do is go through the main.
Entrance no big. Deal you're at the back of the
complex because it's on the east side of the Inter.
Coastal so go all the way west until you get

(18:31):
to the Inter coastal and that's where the building. Is And,
shauna can you do me a? Favor, yeah, absolutely sell that,
condo sell, it just sell. It we want, it we
want it. Moved, okay find that.

Speaker 7 (18:44):
Buyer, okay you Know i'll give it my best.

Speaker 5 (18:46):
EFFORT i know you.

Speaker 4 (18:47):
WILL i know you.

Speaker 5 (18:48):
Will thank you so. Much give me a call afterwards
or text me to let me know what. Happened, okay
and don't forget to call the.

Speaker 8 (18:54):
Owners, okay all, right you got.

Speaker 7 (18:57):
It thank, You, Jim thank.

Speaker 5 (18:58):
You so, much appreciate.

Speaker 2 (18:59):
It one to three details on that open, house that
condo sounds. Amazing that'll all be At Facebook Florida talk
Real estate On, Facebook jim med save to.

Speaker 5 (19:08):
Assume, yep, yep it's all on The facebook. Page so
just go To Florida talk Real. Estate you'll see the
little promos for the open house and, everything and just
go on over. There it'll be. Great want to do
aarly quick shout out To. Lisa lisa is panting her
brand new home that she. BOUGHT i think IT'S i
keep want to say It's Palm, bay but it might
have been Pomp. City she's probably going to correct me

(19:29):
in just a. Second but we Helped lisa And kevin
sell their. House Remember kevin had The Miami dolphins pickup.
Truck remember we were talking about that a while. AGO
i remember. That So kevin And lisa sold their house
here In West palm and then they went and bought
new construction another, place and they needed the money from
the sale of the home they were selling it in
order to buy the new.

Speaker 3 (19:49):
Home, true.

Speaker 5 (19:50):
Yep so we did what we call the simultaneous. Close
so we closed early in the morning on the sale
of the. House the title company got the money from
that and then transfer to the other title company so
that they can close in the other. House we had
the simultaneous, close so. Smooth lisa And kevin were some
of the smoothest sellar bars excuse, ME i had this.
Year so that's.

Speaker 2 (20:11):
Great were the homeless.

Speaker 5 (20:14):
Zero DAYS i mean zero, minutes zero, Minutes, yeah zero
minutes that's. Impressive Unlike greg And diana were on the.
Show yeah they were homeless for like thirty three. Minutes
yeah that they are, Alessness yeah they were thirteen minutes
they could.

Speaker 2 (20:27):
Start rattling cans at the.

Speaker 5 (20:28):
Intersection, yeah so it didn't make anybody. Homeless so that's great.

Speaker 2 (20:33):
HAPPEN i don't like the word residentially.

Speaker 5 (20:35):
Challenged, yeah That's i'm going to use that, now AND i.
Go if you don't do, It i'm going to make
you residentially.

Speaker 2 (20:40):
Challenge if we have to call it the primary, bedroom
we have to say.

Speaker 5 (20:44):
Residential, yeah it's, true, right primary, bedroom not master? Bedroom,
right not master. Beth now a couple other shout outs
so THAT i really talk. ABOUT i always talk about
how we could do so oh BEFORE i get, It,
WELL i guess it's related to. THIS i talk a
lot about people that are selling and, buying but a
lot of people think that if they're selling here and

(21:05):
buying out of the, area you, know of no use
to them except for the sale park down, here and
that is not. True we have six houses closing in
six different states right. Now well actually five are, closing
five or under contract to close. One they're still looking
for their. Property BUT i have a sale going on In, Arizona, Scottsdale.

(21:28):
Arizona thank, You tom And. Elizabeth they are, big big
time real radio. Fans IF i gave the last, name
you know exactly who it.

Speaker 2 (21:35):
IS i know exactly what you're talking. About and if they're,
talking if they're, listening, Congratulations.

Speaker 5 (21:41):
And those people are awesome fans of this station and our,
show and thank you so. Much, yeah it's so. Funny
they called, me never told me who really the owners,
were just said they needed an agent in that. AREA
i vetted, everybody got really good agent for. Them tom
And elizabeth gave it to their. Relatives the relatives interview.

(22:02):
Them then it took like six weeks before they actually
put it on the. Market the house was on the
mark about a week and a half. AGO i don't
have the, information but next week i'll have. It if
it isn't under contract, ALREADY i know it's on the
market for three eighty, nine BUT i don't know the other.
Details but that's A, Scottsdale arizona. Deal then we have
another deal up In South Carolina Myrtlebeat South carolina that

(22:26):
we're helping with an. Agent we have another. One brian
is working with somebody In West virginia that was throwing
me for a loop because we thought he was going
to move To. Okaala now it looks Like West, virginia
a little bit of. Different, further, yeah a little bit.
Different really smart move for him because what he wants to,
buy the type of probably wants to, buy is actually
cheaper up, there and he has people up there that he,

(22:47):
loves so he's going up. There so we're changing gears
and getting them up, there and got him with a
really great agent up. There they're looking for houses. Today
mike And, colleen who are From, Scotia New york never
don't live In, florida have been listening to us on
our YouTube channel and became, fans and now They colleen

(23:08):
is down here this weekend In orlando looking at four
or five new construction. Developments we got him with a
really great realtor up And i'm so excited for. Them
they have such a great realtor up. There the guy
works For i'd like to get this guy on my show.
Sometimes his name Is Ken. Poseick he's a super Big Keller.
Williams he makes me look like a little tiny ant
in our. Company. Really, yeah he does over one hundred

(23:30):
million a. YEAR i think he's got twenty agents or.
Something but, yeah well you, Know i'm in you, Know
i'm in the, top but not like not Like. Ken
that's super that's, stratospheric, right That's Pro bowl versus being
in the pros. Right but But, ken he's really great
on his YouTube channel and that's what he built everything.
Up so that's HOW i met. Him and then At

(23:52):
Family reunion two years, AGO i played blackjack with. Him
he just have to sit at, yeah family reads a
national convention you Call Family. Reunion and then so, ANYWAY
i called him up first because It's orlando AND i
knew he had the, team AND i found one of
his agents has been A New. Construction he worked For
Developers New construction for eight years In orlando as a

(24:16):
sales as a sales. Rep so now he's working for
my by Or So i'm so excited that he knows.

Speaker 2 (24:21):
Them.

Speaker 5 (24:22):
Right So colleen is out there right now as we,
speak running around looking at properties, today and, uh, Yeah
i'm really excited for.

Speaker 3 (24:29):
Them and what the weather's like for her right. NOW
i wonder she's like it's a little hot.

Speaker 5 (24:33):
Melting, yeah it's kind of, yeah, yeah MAYBE i shouldn't move.

Speaker 10 (24:37):
Here that vetting work you, do, though to vet other
realtors for your your, clients that's super.

Speaker 6 (24:43):
Valuable.

Speaker 5 (24:44):
Yeah and the, thing thank, You and the thing is
about that is most Relters and you'll see this on
Your facebook. Pages, people how many times have you seen
a realter that's in your feed that, says, hey does
anybody know somebody that is anybody know an agent In?
Lakeland or anybody know an agent In New, york or
anybody know an agent In. Michigan And i'm, like that's

(25:04):
how you're picking the agent for your.

Speaker 4 (25:06):
Customers people are doing that for a lot of things these,
days right like community searches for HEY i need this
or HEY.

Speaker 5 (25:11):
I need, That and that's. Natural, yeah that's. Okay it's
kind of Like Angie's list or something or whatever they
call it. Now but the thing is is that the
difference what we. Do we go into The Keller william,
system which has about one hundred and sixty thousand agents
all over the world forty four, countries AND i can
zero in on a map to show exactly where you
want to buy or the area you want to buy

(25:32):
find all the agents that are in production they, are
and whether or not they specialize in, listings whether they
specialize and, buys whether they specialize in land, condos you,
know AND i can get in there. DEEP i usually
try to find three or four of.

Speaker 4 (25:46):
Them you'll call.

Speaker 5 (25:47):
YOU i call all of. Them half of them don't
call me. Back welcome to the real. World so then
they're kicked to the. Curve know how big they. Are
if they don't have time to call you back and you, say,
HEY i might have a referral for, you that's. Busy,
yeah it's like you're too busy for these. People so,
anyway we've had really great results with. Everybody so we
have six people in six different states right now that

(26:09):
are doing sometimes of. Closing, Unfortunately, mike none of them
are in the states. Obviously the reason why you're not closing. Financing, yeah, yeah.
Yeah some of them are, cash like the myrtle beach is,
cash so they don't need. It but everybody else is
out of the states that you can't work, Because, mike
what states do you work?

Speaker 4 (26:26):
Again, Florida, Georgia.

Speaker 5 (26:29):
SOUTH i, Know I'm i'm asking You, Florida georgia And Colorado.
TENNESSEE i was going to get.

Speaker 4 (26:36):
There, Florida, Georgia South, Carolina, Tennessee, Virginia.

Speaker 5 (26:40):
Colorado, YEAH i wish you Were West. Virginia we'd have
you hooked up With, brian, Right, yeah if you can
let me, know, well he's already kind of walked in
pretty good.

Speaker 3 (26:47):
Now.

Speaker 4 (26:48):
Yeah it's one of those where if if there's an,
OPPORTUNITY i would look at getting licensed in the.

Speaker 5 (26:52):
State.

Speaker 4 (26:53):
Yeah, Uh and there's certain there's certain loan TYPES i
could do in any. STATE i don't know IF i
ever talked about. That you, know some of those broker
like the non your the alternative income documentation. Loans GENERALLY
i can do those in anything.

Speaker 5 (27:06):
So called no.

Speaker 3 (27:07):
Docs but they're not no.

Speaker 5 (27:09):
Doc you're alternative. Docs alternative doc means you write in
how much income you got ser over.

Speaker 2 (27:15):
Other Nactive i'm, like there you.

Speaker 4 (27:16):
Go they called THOSE U it's interesting because you'd say
no doc and then someone's, like, well why are you
asking me for? Documentation it's, like, no it's no income.
DOCUMENTATION i still need to know who you, are how
much money you, have like where's your money coming? From
but let's say they range anywhere from a full dock
all the way TO. UH i would call it no

(27:39):
income docs or no ratio, loan and then stuff.

Speaker 2 (27:44):
Fo a, loan and right in the middle there's a what's?

Speaker 3 (27:46):
Up can?

Speaker 5 (27:47):
You can you fog the?

Speaker 6 (27:48):
Mirror there's a middle.

Speaker 4 (27:49):
Ground and let's just say on the one end you're
in you're you, know you're the convent your conventional f H,
a you're conforming. Loans in the other, end you're uh non.
Conforming and then the more documents you can, present the
less risk you. Are, right so that as your interest,
rate it affects your loan to. Value so but things Like,
johnny give me your, self, employee give me twelve months

(28:10):
of your bank. Statements we'll look at that for income
kind of. Calculations so. Gotcha, yeah but those types of loans,
exist they're out. There they're not the best as far as,
terms but sure they, exist.

Speaker 3 (28:21):
And you can do them in any state, evidently.

Speaker 4 (28:23):
And a lot of THEM i could do in any. State.

Speaker 2 (28:25):
Nice, yeah That's mike rab the mortgage. Guy that's, right
the mortgage for. Him let's do a little recent. Comeback
we got a special guest joining.

Speaker 5 (28:31):
Us, yes, yes we. Do can you?

Speaker 2 (28:33):
Absolutely, Yeah so you might have heard the Melodious stones
a little bit, there But Andy wyman is going to
be joining.

Speaker 3 (28:39):
US i guess it's.

Speaker 2 (28:39):
Twenty nine years practicing eleven specializing and helping residential consumers
deal with bad. CONTRACTORS i love this so like anything
that kind.

Speaker 3 (28:49):
Of touches that.

Speaker 2 (28:50):
World we get the guy with the name on the
sign dealing with specializing in and you're going to spend some.
Time if you've been looking on YouTube or on The facebook,
page you've seen them.

Speaker 3 (29:03):
Join us in. Here you heard the melodious.

Speaker 2 (29:04):
Tones we're gonna bring them, in give them a formal
introduction four minutes from, now a four minute quick reset
we get back into. It of, course if you got,
questions you're more than welcome to join. Us eight seven
seven nine two seven six nine six. Nine it's gonna
be a four minute. Break jimithyill liign you up during that.
Break if you dial, in don't be. Shy you're more than.
Welcome of, course if you're not comfortable on the, radio
always remember floridatalkreal estate dot.

Speaker 3 (29:26):
Com you're one stop real estate. SHOP i get.

Speaker 2 (29:28):
It if you're not comfortable on the, radio one DAY
i may be comfortable on the radio until THEN i
go to Floridatalkreal estate dot com WHEN i need this.
Team you're looking to buy a, home sell the, home
you stuck with a, home you don't know what to
do anything that touches the world to real.

Speaker 3 (29:41):
ESTATE i got a professional for.

Speaker 2 (29:42):
You, look there's people that you know that are good
at what they, do and maybe they're. Pros in this.
World you gotta go to people that are great at
what they. Do just because you know them doesn't mean they're.
GOOD i got PEOPLE i, love AND i would never.

Speaker 3 (29:53):
Go to them for business because the facts IS i love.
Them they're just not great at what they.

Speaker 2 (29:57):
Do BUT i love them to. DEATH i really. Do
people that are great at what they, do at least
vet them give them a. Chance It's florida Talkreal estate dot,
Com Florida talkrealestate dot, com form and a.

Speaker 3 (30:06):
Break we're back at.

Speaker 2 (30:07):
It thanks for being with us Every, saturday two hours
of entertainment right here On Real.

Speaker 3 (30:11):
Radio this Is.

Speaker 1 (30:19):
Florida talk Real estate With Jim depola And johnny. C
got a question for the, Show call us live at
one eight seven seven nine two seven sixty nine sixty.

Speaker 2 (30:28):
Nine it is eight seven seven nine two seven six
nine six.

Speaker 3 (30:32):
Nine that's toll.

Speaker 2 (30:33):
Free if you got a, question, comment concern in the
world of real, estate you want to dive into the
conversation at, hand do just.

Speaker 3 (30:39):
That don't be. Shy today's the uh twenty fourth Of.
MAY i Believe jimothy is our producer At.

Speaker 2 (30:45):
Shortinair is that?

Speaker 11 (30:46):
Accurate my, dude that would be one hundred percent. Accurate
it Is, Saturday may twenty.

Speaker 2 (30:50):
Four feeling good about myself right now?

Speaker 3 (30:52):
Too how about?

Speaker 2 (30:53):
That after, Vacation, MAN i totally totally lost track of.

Speaker 4 (30:58):
Days It's saturday.

Speaker 2 (30:59):
Too STUNNED i woke up TODAY i had to come
to where ye. At it's been, like Well rockfield does
that to? You let's just put it that? Way, yeah,
yeah just does? It oh it's so, much so much. Fun,
Yeah i'm ready to throw more money for next.

Speaker 4 (31:14):
Year where were?

Speaker 3 (31:15):
You it's Called welcome To.

Speaker 2 (31:16):
Rockville it's a essentially a metal, festival but it kind
of incorporates a lot of different rock. Genre but they've
been doing it five years At Daytona International.

Speaker 3 (31:27):
Speedway you used to be In. Jacksonville.

Speaker 2 (31:28):
Yep it's it's four days five if you camp and
we camp and it's it's, amazing But i'm still kind of.
Recovering but great to be here on A saturday and
again feeling good about, myself even though it's the twenty. Fourth,
LIKE i THINK i might be back to normal at this.

Speaker 3 (31:42):
POINT a three day, WEEK i think everything's worn off
at this.

Speaker 4 (31:45):
Point you're not Working?

Speaker 2 (31:46):
Monday ARE i work tomorrow And i'm Off?

Speaker 3 (31:50):
Monday? Yeah, yeah BUT i. WORKED i don't Work sundays
except for. Tomorrow you know What i'm. Saying, yeah, Yeah
JOHNNY c that's. Me they're.

Speaker 2 (31:57):
Shivenite he's the one that's always on top of.

Speaker 3 (31:59):
THINGS i.

Speaker 2 (31:59):
KNOW i.

Speaker 3 (32:00):
Know good, Morning Mike, rowse.

Speaker 2 (32:01):
The mortgage guy from the mortgage, Firm, alo my, friend.

Speaker 4 (32:03):
Good, morning good.

Speaker 3 (32:04):
Morning you ever gonna Do rockville with?

Speaker 2 (32:06):
Us one?

Speaker 4 (32:06):
YEAR i don't THINK i could do a five day camping.
Thing What, yeah that's past my past my prime for that.
Type oh, No like what day do you? Are you
like it's three days?

Speaker 2 (32:17):
Enough?

Speaker 4 (32:18):
No, no you're like? Five you want another? Six so this,
year this year was you're camping like in a tenth Or?

Speaker 2 (32:24):
No, no no we, Didn't, no, no we're.

Speaker 4 (32:26):
Calamping, okay, okay, Yeah STILL i might be able to handle.

Speaker 2 (32:30):
That you're right one there we go with friends front. O.

Speaker 3 (32:33):
Yeah, okay, yeah, yeah that's.

Speaker 4 (32:35):
Nice that's. Fantastic that falls into the boat plane category
where it's it's cheaper to rent.

Speaker 3 (32:41):
It right by it or just find some way that has. One, yeah.

Speaker 2 (32:44):
Exactly Jimmy d's, here of, course our fearless leader thirteen
plus years now toldal he runs a top Producing Keller
williams seeing The Florida Home pros team With Keller Williams,
innovations there Is JIMMY.

Speaker 3 (32:55):
D how you?

Speaker 5 (32:55):
Be thank you so. Much just want to remind everybody
we have an open house today from one to three
at ten Thirty Sugar Stands. Boulevard it's a great two
two condo on the inter coastal with boat dockage up
to twenty foot boat or jet skis and stuff like.
That so please go out and Meet seana Tron trand
at ten Thirty Sugar Stands boulevard In Singer island today
from one to.

Speaker 2 (33:16):
Three and again details On Florida Talk real Es Day facebook.

Speaker 3 (33:19):
Page if you're like what was That? Facebook you can
get it all right.

Speaker 2 (33:22):
There and let's say officially welcome to the program To Andy,
wyman So Wyman Legal solutions Helps florida homeowners resolve contractor,
disputes renovation, issues construction. Defects i'm sure there's so much.

Speaker 3 (33:39):
More twenty nine.

Speaker 2 (33:41):
Years eleven years specializing in this very. Field great to
always have the guy with the name on, us sand
And Andy wyman's with us and we've heard his voice.

Speaker 3 (33:48):
Earlier you can see.

Speaker 2 (33:49):
Him on our last.

Speaker 3 (33:50):
Streams pleasure to have you in.

Speaker 6 (33:51):
Studio thanks for having. Me i've been looking forward to
this all.

Speaker 3 (33:54):
Week oh that's very, cool are.

Speaker 2 (33:55):
You we're going to turn your mic on because you
got a good voice for, radio so you're actually gonna
make it on the air this.

Speaker 5 (34:00):
Time.

Speaker 2 (34:00):
Yea most most guests we just kind of just patch
them through. Them we're, like, yeah you're with. Us, yeah
great to have you with.

Speaker 3 (34:06):
Us thank you very.

Speaker 4 (34:07):
Much, jimothy you got the auto tune in.

Speaker 3 (34:09):
There how do you slide into this?

Speaker 10 (34:14):
Field you, know it's Been it started from doing a
lot of different types of, things and then you find
those things that you are just really connected to issues
you you. Love learning about construction was something that WAS
i grew up. With my dad was a contract, or
so is my grandfather and so it's in my, blood
so to, speak and with the you, know WHEN i
was a, kid WHEN i was, THIRTEEN i went to
work at their at their company for a, summer AND

(34:36):
i became a carpenter's, assistant which just means some poor
guy had to drag around the boss's son and make
them make them look useful for you, know every day
for the. Summer AND i knew quickly THAT i wasn't
going to make any kind of living IF i had
to have a hammer in my. Hands so but it was,
always you, know just super. Interesting and then you know
what really drew me to represent these homeowners who were
stuck in these nightmare renovations is, just you, know how

(34:59):
much they really need, us how much these people just
don't know what they don't, know and they're they're just
at such an information disadvantage to get taken advantage, of
and you, know we want to step in and and
and really help them live a better quality of life
and get these bad contractors just out of their.

Speaker 2 (35:14):
Lives it always has felt like such A florida centric.
Thing is this a national thing or is it really
like a focus On florida for more reasons than other.

Speaker 10 (35:24):
YEAH i mean it is a problem throughout the, country
But florida is one of those states they say that
people will come to because of our homestead. Laws WHEN
i say, PEOPLE i mean, like you, know people who
are you, know, Contractors we call them contractors gone?

Speaker 3 (35:38):
Wild?

Speaker 10 (35:38):
Right you know these guys who they, do they're either
unlicensed or they're unlicensed their. Inexperience they're just bad, communicators
bad business. People and, Yeah florida has special protections unfortunately
for people who are willing to take advantage of.

Speaker 6 (35:50):
Others too.

Speaker 2 (35:51):
Bad so we need people like you with passion for
the consumer in this, field particularly, because LIKE i think
the key you said there was you don't know what
you don't, know and so much of us kind of
wandering around and and when you're in need of a
professional and somebody just greases it the right, way says

(36:12):
the right, things you're just hook line and sinker and
next thing you, know you're getting.

Speaker 3 (36:15):
Good how, Long jim have you Known?

Speaker 5 (36:17):
Andy Actually andy has a really good marketing, Rep, laura
who's in our studio right, now and she actually just
called and, said you, KNOW i get a lot OF
i get a lot of requests to be on the.
Show you can't, believe probably three to five requests a
week to come on the. Show And i'm very, selective
as everybody, knows of, course BUT i felt like. THIS

(36:37):
i checked Out andy's. BACKGROUND i like WHAT i. Saw
laura was very aggressive and also it was a great
and no in a good way AND i respect. That
that's What i'm saying as a, compliment but also it's
a GREAT i, mean contractors In, Florida you're kidding. Me
there's so many people get ripped.

Speaker 2 (36:55):
From benda's value for the, audience the, listeners the consumer
is a real. Value knowing that there's people out there
to fight for you when you need.

Speaker 5 (37:03):
Them so let me give you just one news, story
just you, know just rip from the. Headlines last week
and the week, before there was a guy who In
Ports Saint lucy Named Mark montalto who Owned Port Saint Lucy.
PROPERTIES i think the name of the company was called And.

Speaker 2 (37:21):
Property yeah, right, Yeah Real radio has been At Port
Saint lusey properties many As Saturday is over the.

Speaker 5 (37:25):
Years, really, yeah what do you talk you mean talking
about us on the. Show are you talking about that? Company,
No i'm talking About Real. Radio oh, Okay i'm. Sorry, okay, yeah,
Yeah so what happened with this is he started taking
money to build houses and he started putting them. Together
he wasn't paying the. Subs the subs put leans on
the properties that weren't even built. Yet the homeowners don't

(37:49):
have a, house but they lost all their, money and
the guy filed. Bankruptcy you, know the company filed. Bankruptcy
so the judges are filing claims against, him and then
one of the judges actually said to one of the,
victims you better go to federal court and claim your
money in the bankruptcy. Court so pretty pretty, rough, right, right, Right,

(38:11):
ANDY i know that you see this stuff all the.
Time maybe even haven't heard of this, guy but this
is really common. Stuff think about. It you, know people
don't think about. This you're you're hiring this. Stranger you're
giving them a lot of money up. Front you're signing
contracts a lot of times where they say they're going
to build your house in nine months or, less, Right,
jimmy Because jimmy went through, This but in that contract

(38:32):
it says that they could take up to two years
to finish the, house and you have no. Recourse they
have up to two years to finish that, house, correct.

Speaker 10 (38:41):
Right, yeah a lot of, times a lot of times that they.
Do and you know that that just underscores the importance
of you, know many of the things that get get
people into a lot of. Trouble and you're, right people's
home is usually their most you, know, expensive valuable. Asset
not only, that it's the place you are expecting to
have all these great memories and live a wonderful, life
and then you entrust it and put it in the

(39:02):
hands of somebody who you absolutely. Shouldn't and there's ways
to avoid, that and hopefully we'll get into some of that.
Later but that's the kind of thing that you, know
we hear all the time and why people call us
we've had. Situations, god, well We've one of the most
severe situations we're dealing with is a woman who is
just going to renovate her. Home she was going to

(39:22):
add a small addition to the back of her house
a few hundred square, feet was going to require knocking
down part of a, wall and she was going to
renovate the entire rest of her sixteen hundred square foot.
Home she hires a contractor gives them seventy five thousand,
dollars does some design work within a couple of, months
and excuse is, Made, Hey i'm bowing out of the,
business but you know my project, manager you, Know. Bob hire,

(39:43):
him he'll do the job for. You sign a contract With.
Bob Is bob? Licensed, No bob is not. Licensed so
she goes but she doesn't know. That so she goes
in hire and signs a contract With. Bob contractor at
first contractor one, says, Hey i'm going to Give bob
this seventy five grand that you gave, me so you,
know that way you're all made whole that never had.
Happened and then you, Know, bob since he's not, licensed
he can't pull a, permit but he's got some other,

(40:04):
guy a license, guy pulling a permit for, him which
is completely. Illegal the permit is pulled to do the,
renovation and as they're doing the renovation and the, demo
they take down all four walls of her house and
all she's left with is a concrete. Slab and then
she got a then she got red, tag she got
a code violation because there was no demo permit to
pull down the whole right, Right and now that.

Speaker 6 (40:26):
Now it's she's in a world of hurt as a
result of.

Speaker 5 (40:28):
This and you, know AND i bet you if somebody
did a background check on that person before they went into,
contract they would have find. Problems in the. PAST i
never heard this. Story is that? True AM i right about? That?

Speaker 10 (40:41):
Yes one hundred the first even the license guy she
hired originally we had many many.

Speaker 6 (40:46):
Problems.

Speaker 5 (40:46):
Yep and that's the. Thing we're going to get into
more about that. Later but that's just one of the little.
Tips you got to know who you're working, with and
you can't just, go, oh that's a really nice. Guy he's,
sweet he was, nice he joked, around he was. FRIENDLY
i like the. Price the price is lower than everybody.
Else these are all things are not to. Make that
is not how you make a decision to hire a.
Contractor we'll get into a little bit more about that.

(41:10):
Later and these stories are happened all the. TIME i
was burned by a contractor once WHEN i was flipping.
HOUSES i was building a house In sunrise AND i
had work with this contractor group From Lake. Worth i'd
really like to mention him on the, air But i'm
not going to because iHeartRadio would get, mad BUT i
really disliked this guy a. Lot are they still, Around,

(41:31):
YEAH i think he is still, around, unfortunately but he's
changed his company name a couple of. TIMES i wonder.
Why so, anyway he had done a couple of good
jobs for. Us we had flipped a couple of, homes very,
easy rip it, out put it back, in did a
good job on, time on. Budget THEN i had a
much bigger job In. Sunrise and this is right when
the economy was. Changing so he had a crew that

(41:51):
was doing work for That Extreme MAKEOVER tv. Show oh, yeah,
right and this is around the time where that was
really popular. Show so, yeah he, said, hey we're going
to bring that contractor. Crew one of those contractor crews
had done MULTIPLE tv, shows and we're going to bring
him down to your. Place they're going to live. There,
now there was no electricity to roof was. Leaking it

(42:13):
was like a really gut. Job and they, said in two,
weeks the whole house is going to be completely brand.
New AND i always pull, permits SO i, said, well
what about the permits he goes on this. One because
of the speed we need to do, IT i don't
want to pull any permits at. ALL i was very
uncomfortable about. It we went back and, forth SO i outwitted.

(42:33):
Myself this is What andy's going to tell. Me WHAT
i did WAS i wrote in the contract and in
additional comments or, whatever that if the contractor didn't pull
permits and got caught THAT i would pay for the
materials to fix the, problem but he was going to
pay for all the. FINE i would pay the, fines
but he would pay for all the contracting materials and

(42:55):
labor to fix whatever needed to be. Fixed and we
put that in the. Contract, well when he so he broke.
Around in two, days he got red tagged by The
City Building. DEPARTMENT i was down for sixteen. Weeks, right
that was supposed to be a twelve week job start to.
FINISH i was down sixteen weeks just trying to get
the permits on red. Tagged and WHEN i went to

(43:17):
an attorney to show him WHAT i was doing BECAUSE
i wanted to go after the, contractor the attorney laughed
in my. Face he, goes you can't put this in the,
contract saying that if you don't pull, permits you're acknowledging
that they might not pull. Permits, right he, goes you're
complicit with the non pulling of the. Permits And i'm, like, oh,
yeah well that, one that one kind of broke. Me
that's the one that kind of created the show in a.

Speaker 10 (43:40):
Way, yeah not pulling permits is a problem for, everybody
the homeowner and the. Contractor the, contractor it's against their
licensure to do work that requires a permit and Without
but for, you the, homeowner you, know YOU i, think
and you correct me If i'm, Wrong but there would
be an obligation to tell the person you're selling the
house to that you did work there without a permit
because it's a code violation that just persists with the.

(44:01):
Property and so you can sell that house and walk
away from. It but IF i buy that house and you,
know the music stops And i'm left without a chair
to sit in when when when it hits the, fan
that becomes my.

Speaker 6 (44:11):
Problem AND i SHOULD i should know that BEFORE i
bought that.

Speaker 5 (44:14):
House and it's true BECAUSE i knew the market was
shifting and had already bought the, house SO i had
to do it super. FAST i, knew AND i was.
Right the market did. SHIFT i was right about everything
except my stupid decision not to hire not to hire, it,
RIGHT i should have just Said i'll go to somebody
else and not work with. Them but we had that,
see and this is And i'm a, pro, right AND

(44:35):
i had a track record with these. PEOPLE i got, burned,
Right so everybody can anybody can get burned doing. This
so that's one of the Things i'm really happy that
we Have andy here BECAUSE i want to go over
like the four or five things you should know before
you hire a contractor before we get into that, Though,
ANDY i want to ask you, this is there Anything? Okay,
thanks we have a. Caller we're going to take them

(44:57):
on right after this. Question. Sure my first question is this.

Speaker 2 (45:02):
What happens if.

Speaker 5 (45:02):
You're just hiring an ac, guy or you're just putting
in a water, heater you, know something relatively, simple or
maybe you're just pulling out a kitchen put it in a,
kitchen you're not moving. Walls is it just as important
to go over those contracts as the big contract like
you were talking about where the lady was actually adding square.

Speaker 10 (45:21):
Footage, ABSOLUTELY i mean it's important to look over the,
contract but it's also important to know who you're. Hiring
and that's what we're going to get into shortly for
a job like that because you, think, okay it's just
swapping out an air conditioning but if that's not done,
correctly your drain line could.

Speaker 6 (45:36):
You, know you know WHAT i?

Speaker 4 (45:38):
Mean?

Speaker 6 (45:38):
RIGHT i?

Speaker 10 (45:38):
Mean and then there's air. Conditioning water heaters lead to water.
Problems water problems lead to mold, problems lots of property.
Damage your homeowner's insurance might not cover that for, you
water well that and also because it's created by a,
contractor it's a contractor who causes the, problem in which
case you know you and trying to run after a
contractor in their insurance is a lot more difficult than

(46:00):
get acclaim paid by your own. Carrier and, then of,
course if the person's not licensed to do the work they're,
doing they probably don't have insurance to cover the damage
they've caused. You and now you're you've created a really
big problem just because you tried to cut a little.

Speaker 5 (46:11):
Corner that makes, Sense So, johnny do you mind if
we take the call on her, first and then we'll
get back into.

Speaker 2 (46:15):
This eight seven seven nine two seven six nine six
nine toll free into the. Studio who dialed that? Up
Jimothy sheldon dialed it.

Speaker 11 (46:22):
Up he has a problem with an eviction notice that he,
receives So i'll Let sheldon get into.

Speaker 2 (46:28):
It, Sheldon welcome To Florida talk Real.

Speaker 12 (46:30):
Estate, hi thank. You, YES i live In Boyton, Beach,
florida at a manufactured home community Called Sunny south The.
States i've lived here for over ten, years and WHEN
i was. Younger, YES i did perhaps have some clutter

(46:51):
outside the, house and for whatever, reason the management does
not like, me so they have been after, me and
anytime they complained about, ANYTHING i took care of it. Immediately,
well just a few days, ago without any, WARNING i
received an eviction notice from them SAYING i have Till

(47:12):
june twentieth THAT i have to. Leave So i've been
trying to make. Calls, fine you can get many attorneys
who will do an, eviction but to find one who
will help you and do, what, yeah you, know to
defend against an, eviction WHICH i feel is of course totally.
Inappropriate it's really it's a very, difficult terrible situation to

(47:35):
be caught this. Way and AS i love my, HOME
i loved the. SITUATION i THINK i get along really
well with the neighbors and so. On always paid my
rent on. Time just so you have to understanda little.
Background this is a community where we own the, houses
but they own the land underneath, it so we pay
them the rents to. That but AS i, Said i've

(47:56):
received from the base companies In. CHICAGO i believe it's
Called Hometown. America and EVERYONE i, call no one gets
back to, me and so. On So i'm just sort
of treading more to, hear AND i thought maybe you
guys could.

Speaker 10 (48:13):
Help, Okay, well WHAT i will say is obviously what's
going to be in your. Lease what's written in your
lease is going to be super important as it determines
your rights in this. SITUATION i will tell you like anything. Else,
yeah landlord tenant law is a. Specialty it's not our.
Specialty BUT i do know attorneys who represent both landlords and,
tenants and SO i CAN i don't know if we

(48:33):
give the name off the air.

Speaker 5 (48:34):
On, yeah this is what's going to, Happen. Sheldon if
you don't, mind if you give the information To, JIMOTHY
i Promise i'll call you On tuesday and give you.
INFORMATION i do actually have one of the top landlord
attorneys In South. Florida his name Is Charles. Simon he's
called The Landlord bulldog and he's been doing this like
thirty years down here In, yeah he actually specialized in

(48:58):
the tenants more, so and then the landlord's got so
beat up by him they started hiring him so that
he couldn't Be he couldn't be the on the other side.
Anymore that's how good this guy. Is So charles will
give you at least a free consultation to tell you
if you have a case or. Not he's very short
and kirk because he's been doing this, forever so he

(49:18):
knows if it's gonna work or. Not but we can
get you to that, guy and if that doesn't work
and you're not, satisfied then we can go To andy
and ask, him uh for some people he might. Know
is that, Okay, sheldon that's.

Speaker 4 (49:30):
Wonderful, okay so. Helpful, yeah, WELL i.

Speaker 5 (49:32):
Sick all we can do is try to get you
to the right people to get the answers you. NEED
i can't guarantee what the answers, are, okay but we're
gonna help you anyway we. Can and that's what we
do on this.

Speaker 3 (49:42):
Show that's, right that's.

Speaker 12 (49:43):
Awesome i'm so GLAD i. Called that's, great good.

Speaker 5 (49:47):
Good thanks leaving With jimithy and we'll call you On. Tuesday,
yeah who kind Of.

Speaker 2 (49:51):
Sheldon thanks for being with, us uh and of course
you're always welcome to join us eight seven seven nine
two seven six ninety six Nine you are.

Speaker 3 (49:59):
Too it's total free he.

Speaker 2 (50:00):
Questions comments concerns in the world of real. Estate want
to dive into the conversation at, hand go for. It of,
course if you're not comfortable on the. Radio always remember
floridatokrealestate dot. Com you're once not real estate, shop it's
floridatokreestate dot.

Speaker 10 (50:11):
COM i wanted to circle back to something you mentioned
earlier WHICH i thought was very, important which is about
shopping based on price, right and, so like anything, else
if you sense that there's a price that's too good
to be, true there's probably a reason for. It AND
i have another horror story from a client who didn't
who bought based on price.

Speaker 6 (50:33):
And it was too good to be.

Speaker 10 (50:34):
True this is a couple who lives in the northern
part of the country and they bought a piece of
property over on the west coast Of. Florida at the
time they bought. It the people they bought it from
were under contract to build a house on, it and
they had about one hundred thousand dollars worth of materials
they had already, purchased which were supposedly being stored somewhere sight.
Unseen they buy the, property they buy the, materials and

(50:54):
they inherit the, contract which was to build a fifty
five hundred square front house for three hundred and thirty thousand.

Speaker 5 (51:00):
Dollars, wow.

Speaker 6 (51:04):
This was two years. Ago this was two years.

Speaker 5 (51:07):
Ago seventy dollars square foot or, something.

Speaker 10 (51:09):
Right so for people who who who know, better you
can't build a house like. That and the thing, is you,
know so number one you know that there's the contractor
is either inexperienced or or is has no intention of
building the house for that. Money and you might, think
as the, client you, know BUT i have a. Contract
so that's that's on, them that's their. Problem well it's really,
not because most, contractors when they hit that point in

(51:31):
the project where they're no longer going to make money
and they realize they won't make, money you're not gonna
see them, anymore and then they are going to abandon your.
Project and for these. People they called me about fourteen
months into the project and they barely had any work.
Done and so as we started investigating it and reaching
out to the contractor and all of, that the contractor basically.
Bolted this client had never seen the, materials and it

(51:52):
turned out that this contractor had used, them had taken
the materials and used them. Elsewhere and, now you, know
so now we have a new, contractor someone very. Reputable
we've brought in to introduce them to to price out
the build of this house one point three mini, Right
so it's a million dollar difference to what they were.
Expecting and now now they're at now they're at a point,

(52:13):
that you know, what they're probably going to abandon the
build altogether and maybe just try.

Speaker 5 (52:17):
To try to land and forget about the.

Speaker 2 (52:19):
Whole.

Speaker 10 (52:19):
Right and so it's, there and this is a. Couple
they're they're. Farmers they were going to move here and you,
know enjoy the good. Life and now that's completely those
dreams are just completely.

Speaker 5 (52:28):
Hard AND i forgot to mention this That florida should
have set this up at the. Beginning florida is the
number one in the of, course, right we're number one
in the. Country contractor. Frauds so we have more fraud
than everybody. Else they're always number one in, everything wire,
fraud identity, fraud mortgage, fraud contractor. Fraud it's. Fraud It's, florida,
Right that's why it Calls FLORIDA Da. Right so you

(52:50):
have to be really careful down, here and a lot
of people down. Here it is a right to work.
State so with the right to work, state there's a
lot of people that are running around stuff that really
aren't qualified to do with their you, know the skills
that they're saying that they, have they're not. TRAINED a
lot of them don't have, insurance which we're going to
get into in a little. Bit that's so important about
workmen's comp because so many people, go, Oh I'm Workmen's comp,

(53:14):
exempt and people think the own homeowners go, oh, OKAY
i guess that's. Okay, well, yeah they're, exempt but that's
on your, butt. Right that's like, saying, hey you take
care of, it right, Right you hire, me but if
any of my guys get, hurt you take care of.

Speaker 10 (53:27):
It that's why condos very often won't let the owners
hire a workers comp exempt contractor because they even if
if legitimately they.

Speaker 5 (53:34):
ARE i just talked to somebody complaining about that that
they were upset they couldn't bring their contractor in to
do something in a work in a condo because they
didn't have a million dollar liability insurance, right and because
they didn't have, it they couldn't use the contractor they.
Wanted and then the condo, had, like you, know five
of those type of contractors that are already approved by the,

(53:56):
community and they were, like, here use one of these.
Guys and he felt like condo is getting kickbacks on,
it but really they're just trying to protect them all
the other community owners that if something happens in your,
unit if it affects somebody, else, Right so let me
ask you, This. Andy IF i were just meeting you a,
person like in an, elevator in a shopping line or,

(54:18):
something you said you were doing construction, law AND i, said,
Wow i'm just about to do a thousand square foot
edition on my house and just make it. Up what
are the three to five things that you say that
people absolutely have to have to do before they hire that.

Speaker 10 (54:34):
Contractor So i'd, say the three things they have to
do or know before they hire that. Contractor one is
know what you, want both in terms of the scope and, budget,
right know who you are, hiring and know your. Rights
so those are the from a thirty thousand foot, view

(54:55):
the three.

Speaker 5 (54:55):
Things so let's talk about the first. Part be. Specific, Right,
so so when you say that you want to build
a thousand square foot addition to your house and you
SAY i want it over, here you want to know
the finishes that are being used and the types of
construction materials that are going to be used and do
they MEET i know that they have to if you're pulling,

(55:16):
permis but do they meet the hurricane? Codes you can
get discounts from your insurance policy for the work that's done.

Speaker 10 (55:22):
Right, Right so, right know what you want as far
as the scope of the work is. Concerned you know
all that you need to do this research before you
really start researching. Contractors and that's so you know and
uh and and know your. Budget that's really important and
when you bring a contractor in and that, way you're
very informed already when you have that conversation with the,
contractor and you're not susceptible to being led around by

(55:45):
that contractor on either you know scope or budget and you,
know you'll know if they're trying to suggest anywhere where
they think you should cut, corners and that will dictate
whether you're listening to red flags or.

Speaker 5 (55:56):
Not and later on in the, show we're going to
talk To mike about how you can use financing to
help pay for the construction that you want to, do
either if it's brand new build or if it's an
addition or something like, that different ways you can grab
the equity from the. Home we'll talk about that, later.

Speaker 6 (56:12):
And it's fin on the.

Speaker 10 (56:12):
Budget one thing on the budget side of that, is you,
know construction contracts kind of come in two. Flavors one
is a fixed, price right where, okay here's all the
work that's being done and it's for one specific price
and it's not going to exceed, it and that's what
it's going to. Be another thing is called cost, plus
and people don't realize or understand what this, means which,
is you, know the cost what you end up paying

(56:34):
the contractor is the cost of all the materials in
the labor plus a percentage of something overhead and profit
that so THE gc is making Some money's usually twenty
percent can be these days up to twenty, Five but
so people will then usually there'll be an estimated price
in that, contract and it all depends on your, finishes
because you can have tile, that's you, know a dollar

(56:56):
a square. Foot you could have tile that's eight dollars
at square, foot and so depending on what you, pick
and so you might not really fully understand that that's
the kind of contract you've entered, into in which case
you know what your budget, is you, know could totally
get blown through if it doesn't match up with the
scope you have in your.

Speaker 5 (57:12):
Suit in your. Mind just like we always say With,
mike when you're a, buyer you got to know your.
Numbers when you're doing a contractor, deal you got to
know your numbers and specifically what you want the end
product to look like when you're, done and to communicate
that with the contractors so they know that if you
do want fifteen dollars a square foot, tile right that

(57:33):
they're prepared for that and they're not just coming in, thinking,
Oh i'm going to budget four dollars a square, foot
and then you got this. Discrepancy talk it. Out talk
it out with the. Contractor if they don't have time
for you not to talk to you about this or
they don't seem like they're fully engaged in that. Part
that's a warning. Sign that's a yellow flag to, say,
hey DO i really want to work with this guy
because ONCE i give him my, money, right he doesn't

(57:56):
even have my money yet and he's treating me like.
This can you imagine IF i give him the money
and he now he has me over a?

Speaker 4 (58:02):
Barrel it almost seems like that should be part of
your like contractor selection. Processes how willing are they to
help you get to the bottom? Line like what does
the budget need to? Be because what you? Know this
should be going through all that and giving you some
sort of idea on time and.

Speaker 10 (58:18):
Money they should let you know if if what you
have in your mind and in terms of quality and
budget are in the.

Speaker 6 (58:23):
Past reason, right.

Speaker 2 (58:24):
You need to know that up front, well because, ultimately you, Know,
mike If i'm coming to, you we have the same
goal we want to.

Speaker 3 (58:29):
Close.

Speaker 2 (58:30):
Right If i'm trying to buy a, house the goal
is to close on that, house, right not to just
kind of get. There the goal should be with the
contractor to be able to how do we get this end?
Game we're both trying to make sure this gets, done
and if it doesn't feel like we're on the same,
page you might.

Speaker 4 (58:45):
Want that rubber meets the road moment for people where you,
know my, world it's, well you know what payment you
qualify for is kind of WHAT i tell, you and
then you tell me what your budget. Is but if you, say,
HEY i want to get a six hundred thousand dollars
home but only want a two thousand dollars month mortgage,
payment THEN i kind of, said, well hold, on something
needs to we need to figure out something out.

Speaker 5 (59:06):
Here, Right you've done four hundred thousand dollars Down.

Speaker 4 (59:09):
Yeah, exactly you got a big down. Payment so it's
got to be like that with Contract i'm sure people
get shocked all the time in the initial, stages which is,
like what's really going to cost to get? Done?

Speaker 5 (59:20):
Now what was number two on that subvers know your
numbers and communicate well with the contractor what's number?

Speaker 6 (59:27):
Two know who you are?

Speaker 5 (59:28):
Hiring, yeah so let's talk about. That so WHAT i
always do IS i go to If i'm In Pombach,
COUNTY i do the Pom Beach County Consumer Fares. DEPARTMENT
a lot of people don't even know that agency. Exists
it's it's actually very similar to The Better Business, bureau
WHICH i also do. Check but with The Pombach County
consumer A Fairs, division you can actually file complaint and

(59:51):
they may investigate. Situations so to, me going to both
of those places are really. Important THEN i also go
To apartment Of business And Professional regulation AND i go
to Sun, Biss, Right so what would you? Do what
would you tell people to?

Speaker 3 (01:00:06):
Do?

Speaker 10 (01:00:07):
Right, so The department Of business A Professional regulation is
the licensing arm of the. State, Right so that's the
first PLACE i would go. To and you want to
take a look at the name of the company on the,
contract or the name of the company you're looking to.
Hire we'll talk about contracts in a, minute but the
name of the company you're looking to. Hire because In,
florida licenses aren't given to. Companies licenses are given to individual.
People and then if a company is going to do,

(01:00:29):
construction they have to have a license holder what's called
qualify that, company which means that they apply to the
state to officially attach their license to that company so
that company can perform construction related. Work so lots of
times you might hire a company and there's always a
person behind it and you. Don't you may not that
might not be the person you're dealing. With lots of
times you're dealing with a, salesperson someone who understands construction

(01:00:51):
but might honestly not have been you, KNOW i, say smart,
enough but not able to pass the. Test so there
is a separate license. Holder so you want to find
out and make sure that you, know you understand who
the qualifier is and you know what the license number,
is so you can take a look on the department
website and see if that person's had any license complaints
in the, past and to make sure that the company
you're hiring is in fact. Qualified so that's absolutely the

(01:01:14):
very first. Thing after, that insurance is obviously super. Important
there is a a The Florida's division Of Financial. Services
you can go to their website and find out. It
make sure that the contractor has workers.

Speaker 5 (01:01:27):
Competition, oh that's, Important Florida department Of Financial.

Speaker 6 (01:01:30):
SERVICES i know that that's.

Speaker 10 (01:01:31):
Great so you could do a search for a contractor
to see their workers comp insurance so won't show you
their general liability that you have to ask them for
and they have to produce to you some type of
documentation that they have liability if you ask what if
you don't, ask, well if you don't ask that you
are susceptible to getting lied.

Speaker 6 (01:01:46):
To, okay, right trust but verify.

Speaker 5 (01:01:48):
Or if you do, ask this is what it feel
right to?

Speaker 2 (01:01:50):
You?

Speaker 5 (01:01:50):
Right this is my. Favorite you asked the contract or
your license and ensured and they, go, yeah say come on.
Over WHEN i used to flip, houses so come on,
over present your. Bid then they, say, hey where's the
paperwork for licensed? Insurance he, Goes i've got a driver's
license AND i have car. Insurance, right, Right i'm licensed and.
Insurance he didn't say what kind of license and? Insurance?

Speaker 10 (01:02:10):
Right license doesn't just mean a business license that they
means actually licensed to do the work you're.

Speaker 5 (01:02:15):
Hiring, yeah so you got to make sure. Absolutely why
is that important about the workman's Comp why is that
so important to the.

Speaker 10 (01:02:21):
Customer, yeah that's a great, question because if there is
a worker that is on your property and they get
hurt and your contractor doesn't have workers, comp you're going
to be responsible for. It you have someone who falls
off YOUR i mean if people could get killed on construction.

Speaker 6 (01:02:34):
Projects that happens all the.

Speaker 10 (01:02:35):
Time so now you've got you've got, personal potentially personal
liability to the injured, worker and.

Speaker 5 (01:02:42):
So THAT'S i never understood why that was because you're
hiring the CONTRACT i understand that it's not necessarily a bad,
thing but you're hiring a, contractor and it seems like
the contractor responsibility to make sure that they have the.
Insurance they don't they get hurt on your, job but
you're the one that gets, sued even though the contractor
hard that. Worker that worker decided to work for that,

(01:03:03):
contractor and they're just at your house because that contractor
told that guy to go.

Speaker 4 (01:03:08):
There and are they let's say you don't have, insurance
are they suing you personally or are they suing the
contractor who's the injured party? Suing they'll probably.

Speaker 10 (01:03:17):
Insurance oh, well they'll probably sue the contractor and you the.
Homeowner and if you don't have you know sometime whether
that's covered by your homeowner's insurance. Policy it probably. Is
but if you don't have homeowners, INSURANCE i mean they're
always suing the. Individual insurance only really steps in when
the individual then turns to their insurance company, says, HEY
i got, sued take care of this as long as
it's something that's you, know within the. Coverage so, yeah

(01:03:39):
it's it's a real dangerous position you're putting yourself in on.

Speaker 4 (01:03:42):
Knowing CAN i ask another one on?

Speaker 2 (01:03:44):
That?

Speaker 4 (01:03:44):
Sure The so let's say the contractor does have workmen's
comp insurance if they bring on like day laborers or you,
know people come and ditch, diggers you, know something like,
that are they covered under that? Policy if they're not like,
employees perhaps not even officially ten ninety, nine maybe they're
just you, know paid they pulled.

Speaker 5 (01:04:01):
Off, yeah we hear that all the.

Speaker 10 (01:04:05):
Time that's a great question That i'm ACTUALLY i think
it might. Depend it might depend on the type of
coverage that you.

Speaker 5 (01:04:10):
Have and, yeah, INTERESTING i know When i've hired day
labors through day labor services WHEN i used to flip,
houses they did have workmen comp liability for those day,
workers and it is part of the, fee like your
daily fee for. Them they would have a line showing
that you're paying for the.

Speaker 4 (01:04:26):
Ways there's ways for them to be. Covered BUT i
wonder if that's something you should be thinking. About are
you bringing on people who are under your insurance? Policy?

Speaker 10 (01:04:34):
Yeah right, now skilled labor that is you, know reliable
is so hard to come by for these, contractors so
and that we find is a source of a of
why these jobs had to take so, long because contractors
can't get good people there to do. It so they're
sending bad people that people who don't know what they're.
Doing they're, unskilled and you, know home owners again really

(01:04:54):
really unhappy with the quality of the, work the pace
of the, project and it's a it is a big.

Speaker 2 (01:04:59):
Problem, Whyman Whyman Legal solutions joining us today giving us
three really important things that we need to be talking
about when we're looking to hire a contract.

Speaker 3 (01:05:08):
Or what was number?

Speaker 5 (01:05:09):
Three?

Speaker 10 (01:05:10):
UH i want to say once BEFORE i hit number,
three there was one more. THING i wanted that because
you discussed it before about you called it a yellow.
Flag but like, truck, yet look at reviews and all of.
That you know to go, online look at the reviews From.
Google if they are getting gradually worse and worse and
worse more, recently it usually means the contractors having some
financial difficulties and he's not keeping people. Happy so look
at what is out. There but trust your gut and

(01:05:32):
how the contractor communicates with you or promises they keep
or don't keep during the honeymoon phase when they're trying
to win your, business is uh is a red flag
or it's indicative of how they're going to treat your.
Job so if they tell You i'll be there five
O'clock friday to come look at your house and you,
know start talking to you about your, job and they
show up at six o'clock and they don't call you

(01:05:53):
to tell You i'm going to be an hour, late
or they don't show up at, all that's how they're
and that's when they're trying to impress. You that's how
they're going to treat your. Job and so you, know,
Hey i'll deliver this proposal to you by By, tuesday
and then It's, tuesday, comes it, goes and It's, wednesday
and It's, thursday and now you're texting them On.

Speaker 6 (01:06:09):
Friday, hey where's that. Proposal i'll get it to You.

Speaker 10 (01:06:11):
Monday that you don't want to have anything to do
with a contractor who runs their business that. Way they
don't have control of what they're, doing and that's going
to show up in your project in any number of.

Speaker 2 (01:06:21):
Ways it's kind of like a first, day it was
just not going.

Speaker 4 (01:06:24):
Good.

Speaker 5 (01:06:24):
Punt, yeah, exactly move.

Speaker 4 (01:06:26):
On, yes.

Speaker 10 (01:06:26):
Exactly so the third thing, though the third thing is
to UH i says to know your rights and, so
and that all depends on the contract that you have
with the contractor you don't really have. Rights if you
have no, contract you practically have no. RIGHTS i, mean,
yes there's a standard of how the work should be,
done and if it doesn't meet those kinds of standards

(01:06:46):
and doesn't meet code and all of those. Things but
if you don't have a written contract that says you
know what's going to happen if if we have to
get into a, dispute when are payments going to be
made at how? Much at what, intervals at what milestones
and all of. That you, know simple things like, okay tile,
floor you're going to install a tile. Floor is it

(01:07:07):
being installed on the? Diagonal is it being installed? Square you,
know so every little if you even if it's promised
to you, verbally if you don't get it put in
writing into a, contract you should not expect that you're
going to be able to enforce it or get. It
and so that is really just super. Important and you,
know take a and, Look i'll ask clients say, okay

(01:07:27):
let me see your contract and they give you this
one page document that might be a, list a vague
list of what's going to be done in a.

Speaker 6 (01:07:34):
Number that's not a. Contract that's two, thousand that's not
going to protect. You so you know those sorts of.

Speaker 10 (01:07:40):
Things and and another good indication of whether or not
you're dealing with a good contractor is the importance that
the contractor puts on the. Contract meaning so if they're
presenting you with what looks like a contract and it
looks like something they've frankenstein together from you, Know google or,
CHAT gpt and some form of boss they, had and
there's it's internally and consider the margins are messed, up

(01:08:01):
there's different, fonts things are, misspelled, misnumbered it's not a
professional presented. Document that shows you that they don't really
put a lot of importance in that into that. Document
they don't really consider it something that you should find,
important in which case they're going to treat it that.
Way they're gonna treat they're gonna treat your job that way,
Too so that is a telltale sign of you, know
professionalism or. Not and anytime the contractor tells, you you, know,

(01:08:26):
hey something verbally and you want, it make sure you get,
it make sure it ends up in your.

Speaker 2 (01:08:30):
Contract so there's a reality though when it comes to these,
contracts especially the longer. Ones nine out of ten, people
maybe nine and a half in at of ten, PEOPLE
i mean they're just kind of. Perusing, yeah, okay. Yep
CAN i be, like, hey CAN i have an attorney
look at? This you?

Speaker 4 (01:08:47):
Should should?

Speaker 12 (01:08:48):
You?

Speaker 2 (01:08:48):
Yeah, Absolutely like IF i IF i go To Wyman Legal,
Solutions you're going to make time to do that for.

Speaker 6 (01:08:54):
Us, absolutely that's something that we. Do we.

Speaker 10 (01:08:56):
Do we actually vet contractors for. People we do all
that background search as we talk, about and then, yes
we put in contracts that that will help protect you
through the life of your, project will even introduce you
to folks who can help manage your project for. You
if it's a custom home build and it's you know,
something so that, way you might be too busy to
pay attention to the cont that couple.

Speaker 5 (01:09:13):
From or not even know what to look, for.

Speaker 6 (01:09:16):
What to look, for you don't know what you don't,
know know what you don't.

Speaker 2 (01:09:18):
KNOW i could look at a contract and be, like,
OH i feel really good about, this but IF i
sign that and hand a bunch of money OVER i
could be in worse shape THAN i could even.

Speaker 5 (01:09:25):
Realize or in the process of building, it and you're
looking at the structural members that are being built or
the way the foundation the footer is being put together
with the reborn, stuff and you don't know if they're
doing it right, right not?

Speaker 10 (01:09:36):
Right and, yeah now they're asking you for payment for,
it and you don't know if it's.

Speaker 5 (01:09:40):
Right and do you pay like and here's part of the.
Contract do you pay when they say they're done or
when the building department says that they've approved the work
that's been done up to that. Point, right when do
you pay? Them i'm going to pay them when the
when the building department says that phase of the construction is.
Done that's the Way i'm going.

Speaker 10 (01:09:57):
To make sure that's in your. Contract, yeah, otherwise because
it could be written very. Vaguely and then you know
your final payment is due upon. Completion what does that?

Speaker 6 (01:10:05):
Mean you know WHAT i?

Speaker 4 (01:10:06):
Mean i'm thinking about it from like the financing, side
and so we do we have in our company and
there's called a construction desk or construction permit desk department
and they're reviewing these types of things, right they're reviewing
initial bids because we're basically, saying, hey what's the scope
of the work this is going to go into? Eventually
what is the security for the? Loan so we need
to make sure it gets done right and on some

(01:10:29):
sort of budget and, time and we control the funds
and when payments are. Made BUT i doubt we're doing
half of what you would be doing from a law
perspective because we're we're not like the, lawyers right, right
we don't have lawyers viewing. These we're just making sure
it checks all of the boxes that we. Require and
so even when you're doing, financing it probably doesn't have

(01:10:50):
hurt to have like because worst case scenario you lose, everything,
right that's all your, Money your work's that, done you
got to start. Over best case scenario goes, Great but
it doesn't hurt the have this review what we as
a percentage of like a total. Job what would you,
say like the cost is to have professional like a

(01:11:11):
safety net? Upfront is?

Speaker 3 (01:11:13):
It?

Speaker 6 (01:11:13):
OH i mean it's it depends.

Speaker 10 (01:11:15):
HONESTLY i mean a contract looking at a, contract reviewing
it and having a discussion with, you and.

Speaker 4 (01:11:20):
Then the vetting of the, contract vetting of the.

Speaker 10 (01:11:22):
CONTRACT i mean we do vetting of a contractor for
like a thousand, bucks we do we do this. Contract
we could put a good contract in place for you
for anywhere between two and five, thousand depending on you,
know the scope of the, work and.

Speaker 4 (01:11:34):
Even like making recommendations on like revisions on the.

Speaker 10 (01:11:37):
Contract, sure, YEAH i mean it depends on the back
and forth with the. Contractor sometimes it gets can be
a little more. Expensive but, uh you, know we have
certain contracts we can start as using our. Form sometimes
we're using the form provided by the. Contractor but either,
WAY i, mean it's it's a drop in the. Buckets
it's a.

Speaker 5 (01:11:53):
Safe because let me tell, you if you have a
problem with the contractor one thousand, dollars oh my, gosh
that's going to be so cheap to solve the problem
in order to, say, yeah to prevent the problem so
that you don't have. It it's so worth. IT i
can tell you so many horror contractor. Stories i've hired
so many contractors flipping, property so many different types of.

Speaker 4 (01:12:14):
Contracts you feel like you got.

Speaker 5 (01:12:15):
Lucky, no BECAUSE i really understood WHAT i was, doing
AND i wrote my own. Contract and, funny the funny
part is that contract that we, signed that was my,
contract but we changed it THAT i shouldn't. Have but with,
contracts what you have to do is you have to
make sure we have another. Calm we're going to take
it in a. Second BUT i wanted to talk about
draws and spending The monthey, yes, Okay so part of

(01:12:37):
the thing about the, contract CAN i just real quick
was just.

Speaker 2 (01:12:40):
Talking about you're talking about you know you can do
The so IF i If i'm hiring, You i'm having
you look at a contract and it's it needs a
lot of. Revision you're actually working with the. Contractor i'm
not a go between between you and the. Contractor you're
in contact with the contractor and working through all.

Speaker 10 (01:12:56):
That it for, big big, jobs, yes but for most
for or most other. Jobs know because here's what might.
Happen you might, Say, hey my contractor gave me this.
Contract andy take a, look AND i might look at
it and, say, okay here's all the THINGS i would.
Change but Before i'm going to do, that we need
to know that your contract is willing to agree to,
it and there may be certain. Things so you're you,
know you'll have to know what your scope of work
is you'll have to know what the price. Is you

(01:13:17):
know these other legal. Terms there are things that you
would talk to your contractor about and he's, like there's
no way i'm gonna agree to, that which case you're
not going to work with that contractor a whole. Likelihood
but the good thing about the contracts we, prepare they're,
fair they work that it's the you don't want a
contract that's so one sided right your favor that the
contractor can't do their. Job so we want a contract
that is for the benefit of the. Project it makes

(01:13:37):
the project move along in an orderly fashion and gets things.
Done and as long as people are doing what they're
supposed to be, doing everyone's going to.

Speaker 6 (01:13:44):
Win and we want this to be.

Speaker 2 (01:13:45):
Winning everybody wants it to and the end game is
for it to, happen for it to be, finished everybody's
happy and we move.

Speaker 6 (01:13:50):
On it's got to be a win win for, that.

Speaker 5 (01:13:52):
Right and WHEN i used to flip, property it's one
of the THINGS i used to tell the contractors all
the time IS i love cutting checks to you Because
i'm kind of to. You that means that part of
the job's. Done AND i love it because that means
we're step closer to getting, close you, know to getting
this thing. Close SO i try to let them know
you're not going to have to chase my. Money BUT
i don't want to be chasing, you, Right so you

(01:14:13):
got to do your, job And i'm loving cutting that.
CHECK i want to cut that check all. Day all
the FASTER i can cut the, check the, better, Right
so that's really. Important i'd like to take the, caller
but we're going to talk about how how to know
how much you should pay up front versus those, stages
because that's another way that people get. BURNED i got
burned a couple of times at they're getting gave way
too much money up, Front so you have to know

(01:14:35):
what to do with. That but let's go ahead and
take the, coffee don't.

Speaker 3 (01:14:37):
Mind that's perfect about sure.

Speaker 11 (01:14:38):
Thing we Have susan on the. Line she has a
question on the topic we're at right. Now, Susan welcome
To Florida talker Real.

Speaker 3 (01:14:44):
Estate, Hi, Susan, hey.

Speaker 9 (01:14:46):
Good, morning. Everybody good.

Speaker 5 (01:14:48):
Morning is This SUSAN C, yes, okay Cool. Cole how's your?
Dog Hel'se hudson? Doing is he feeling? Better?

Speaker 9 (01:14:56):
Yeah he's feeling much better yesterday because he. WAS i
MEAN i literally had a out of the house in
the backyard for twenty minutes yesterday morning at eleven, am
AND i went to go look for him and he
was fighting behind THE ac unit because it was, damp wet.
Earth oh, yeah and he was, melting just.

Speaker 8 (01:15:19):
Melting he was getting her and he, said just get
some howels and run, it run it under cool, water
and then just put it on his chest underneath his arm,
pits underneath his growing and.

Speaker 9 (01:15:34):
He, eventually thirty minutes got. Better But, sary that's.

Speaker 5 (01:15:39):
Good that's a public service. Announcement watch out for your
doggies right.

Speaker 2 (01:15:43):
Now.

Speaker 6 (01:15:43):
Hot, yeah the ground is.

Speaker 5 (01:15:44):
Hot everything's hot, Now. Susan If i'm not, MISTAKEN i
Think susan is currently working for window, contractors so she
knows like on the flip, side, Right.

Speaker 9 (01:15:54):
Susan, Yeah i've been in the construction industry for thirty,
plus SO i know all the different. Trades i've worked
for an underground, Contractor i've worked for a land clear.
Contractor i've worked for a shell, Contractor i've worked for
a plumbing. Contractor in the last ten, Years i've worked

(01:16:16):
for a window, contractor so if there are several key
points that homeowners need to do for their own due.
Diligence AND i have received so many phone calls since
the beginning of this year homeowners, saying you, KNOW i
had somebody knocking on my door at six o'clock at

(01:16:38):
night and they sat in my living room for two,
hours AND i signed a contract and NOW i don't
feel so good about. It AND i tell, them, well you,
know in the state Of, florida first, off you have
a seventy two hour recision. Period so if you gave
them money in the state Of, florida you have three
days to get your money. BACK i tell them several

(01:17:01):
things that they need to. Do first off is go
to sunbiz dot. Org they need to look for that
company name at sunbiz dot org to see if they're
registered to do business in the state Of. Florida the
second thing they need to do is to go to
The Florida they can google this IF i don't know the,

(01:17:21):
website but they need to go to The Florida Contracting board,
website look up the name of the company and see
if there are any complaints against the. License if there
are complaints against the, license bug. Acts the third thing
they need to do is get a certificate of, insurance

(01:17:45):
WHICH i call A. Coi so they need to get A,
coi but they need it made out to them specifically their,
address and if they have AN, hoa they need to
get it made out TO dhoa and have everybody listed
as additionally. Assured the other thing they need to look,

(01:18:08):
at which a lot of people don't, do which is so,
sad is they need to look at the age of the.
Business there are a lot of window companies that have popped,
up you, know since twenty, nineteen twenty, twenty that have
only been in business a few short. Years we've been
in business since two thousand and. Three, okay so we're

(01:18:29):
here to. Stay we own the building we're. In we
are not an overnight company a lot of these, others you,
know the short term. Ones what's going to happen is
your window the lamane and you need a, warranty right.

Speaker 4 (01:18:45):
And they're not.

Speaker 6 (01:18:46):
Around great advice and they're not.

Speaker 9 (01:18:48):
Around and you can call the, natsufacturer but you, know
if you don't have an order, number the manufacturer cannot
distinguish whether you actually their product or. Not so you've
lost your, warranty ye out the.

Speaker 10 (01:19:05):
Door, yeah and the manufacturers warranty is obviously covering the
thing like. Delamination but lots of the problems we hear
from folks who have problems with windows and sliding doors
is more labor issues and, exactly and as The susan's pointing,
OUT i, mean a warranty is only as good as
the company that is standing behind. It so if you
go by with a fly by night, organization you, know

(01:19:25):
whether you see this all the time solar, companies people
who where the solar company is installed the panels and they're,
gone they're out of, business and the panels don't, work
and the homeowners left with with no warranty remedy. Whatsoever
So susan's make an excellent.

Speaker 5 (01:19:39):
Point, susan thank you so. Much Oh i'm, sorry go.

Speaker 9 (01:19:41):
Ahead and the other THING i wanted to point out,
IS i know a lot of homeowners go By google.
Reviews i'm, sorry But i'm, very very nervous WHEN i.

Speaker 8 (01:19:56):
See a, consistent.

Speaker 9 (01:19:59):
You, know five star review year after year after, year
because that's especially for a company that's only been, around you,
know the last few. Years that tells me they're buying.

Speaker 2 (01:20:11):
Reviews.

Speaker 8 (01:20:12):
Yeah and the other thing is, is you, know AND
i hate to say, This i'm outing everybody's secrets here
in the contractor, world but if you get a bad,
review you can pay somebody From google to remove it
for like a thousand.

Speaker 5 (01:20:32):
DOLLARS i didn't know about. That you. Know that's.

Speaker 8 (01:20:35):
Interesting, yeah so don't trust The google. Reviews the things
you need to look at age of, business contractor, board contractor.
LICENSE i mean it's just these.

Speaker 9 (01:20:49):
Things are, simple but so many people don't know how
to do. It And i've HAD i had a customer
come in last, year not a, customer but somebody come
in last year and he's, like, yeah there was a
window company across the way from, you and they took
fifty percent of my deposit and now they're out of.
Business he's, like, well you honor their. Contract, No i'm, sorry.

Speaker 8 (01:21:17):
Nope, well thank you.

Speaker 2 (01:21:20):
Very much for carrying enough to take a moment out
of Your saturday to call and share a little bit of.
This it's A i think it's a really really valuable
time we're spending With andy. Today and it's, again we
don't know what we don't. Know knowing that there's professionals
out there to fight for you and make sure things are.

Speaker 3 (01:21:35):
Going well is reassuring as.

Speaker 2 (01:21:37):
Hell but, yes these conversations are, very very, important AND
i think a lot of folks are probably learning a,
lot myself. Included and thanks for taking the time to
interject a little bit more importance in, There susan Glad hudson's.

Speaker 5 (01:21:49):
Yeah Glad hudson's do it. Well, okay me, too all,
right thank, you thank.

Speaker 4 (01:21:53):
YOU i have a.

Speaker 2 (01:21:53):
Great rest of your. Weekend eight ninety seven six, nine six.
Nine you're welcome to join. Us we still got oh
thirty plus minutes. Remaining are we gonna do a break
or are we gonna plow?

Speaker 5 (01:22:02):
Through plow?

Speaker 11 (01:22:03):
Through we could plow through as long AS i can
get a question it sure if you don't, Mind, yeah
BECAUSE i find this to be very similar the, same
but maybe. Separate and that is pool contractors having a pool.
Installed how many times we know personally someoney really got,
hosed but people that have gotten absolutely destroyed by pool

(01:22:25):
contractors under the same type of.

Speaker 2 (01:22:27):
Thing it's a construction. Project it's not much.

Speaker 5 (01:22:30):
Different than you.

Speaker 11 (01:22:30):
Know maybe another addition to the house is that something
that you also cover and do you have any specific
advice that makes a difference for pools or just in.

Speaker 2 (01:22:39):
General it's the same type, thing no great.

Speaker 10 (01:22:41):
Question so, yeah we handle pool cases as. WELL i
mean anything involving construction to your home or any kind
of improvement to your, home whether it's you, know it's an,
addition it's a, renovation it's a new home, construction it's a, pool,
solar all that, stuff we do. It so it's the.
Same it's the same. THING i, mean you want to
do the background search as best you. Can and this
the pool companies another type of company That susan's advice

(01:23:02):
is really, good right the age of the company as,
well and pool. Contractors it's interesting Because florida has special
licenses for pool work and pool contractors and that's more
of a recent thing over the past few. Years so
there are a lot of companies out there that are
doing work to pools that should not be and so you.

Speaker 6 (01:23:20):
Really want to make.

Speaker 10 (01:23:20):
Sure and what's interesting when you go to that state,
website the department and you look up the license. Holder
now when when when it's a pool related, company they
give you a description of what actually that company is
licensed to do as it pertains to your pool because
there are different levels of pool.

Speaker 5 (01:23:37):
Contractors resurfacing is different than actually building the show building the.

Speaker 10 (01:23:42):
Shell that's, correct that's, correct and sometimes residential, first, commercial,
yes so so, so and it'll tell you this is
what their license, covers and so it's a really great
resource to go. To so but it, is it's it's
really one of those, things and it's it tends to,
be you know the most at leads to so much
disappointment for people when they when one of those goes
badly and you're left with a hole in your backyard

(01:24:02):
and you can't have your kids' birthday party back there
like you were planning.

Speaker 6 (01:24:04):
To these are the stories we hear all the.

Speaker 5 (01:24:06):
TIME i want to get to part number three again about,
contracts but before, THAT i just want to let everybody
know that last week in our weekly, newsletter if you're
not part of, that let me know and we'll put
you on the. EMAIL i put out that that if
you ever need, contractors we have resources for you about
that are reputable people that have worked with many of
our other customers in the, past and one of our

(01:24:28):
license that are licensed and ensured are very, reputable show
up on time if we get any negative feedback on
anybody from that. Group we just pull them aside for
a little. Bit i'll even have a talk with, them
even though it's not my, business just to, say, hey
just so you, know this is this is what people are.

Speaker 4 (01:24:43):
Saying do you offer them a thousand dollars for it
to go?

Speaker 5 (01:24:45):
Away but, yeah, yeah if you give me one thousand,
Dollars i'll forget about the. Complaint but, NO i do
not do. That but we did have a couple of
people call off the off the email last week, saying,
HEY i need. Contractors One, jay who's been a big
caller of the, show he needed an ac company in
the areas. In the perfect match for him Was viewing

(01:25:07):
And Ewing. ERA i know that you Know ewing and
you and they've been around forever and send them over
there and a couple other. People so if you need,
contractors we may have the contractors you. NEED i don't
get any money for. IT i don't get any referral.
Fees i'm just trying to help the community connect with
people that are. Reputable i'm a small business. Owner i'm
hoping people connect me to people that need. Help And

(01:25:29):
mike and everybody else here So that's all we're trying
to do is just help our local community in our
business community and try to help people connect with the right. People,
now getting back to number three and about understanding your
rights in the. Contract what about? Draws, Okay so. Draws
what's the definition of a draw just so you, understand

(01:25:50):
it's really a.

Speaker 10 (01:25:51):
Draw it's really the pace of the payments that are
made to your contractor on the. Project there is always
going to be an initial deposit plus at certain, intervals
at certain. Milestones sometimes the contractor is billing you on
a monthly, basis and there's a need to compare what
they're requesting to get paid for versus the work that's
actually been performed on the. Job so draws is the

(01:26:12):
pace at which you're making payments on a usually a
percentage basis of the total.

Speaker 5 (01:26:15):
Price so let's say that you're getting a, roof, okay
and let's say it's a barrel tile roof because those
materials are more. Expensive and let's say your roof is
forty thousand, dollars and then the contractor comes and, goes,
GREAT i need twenty thousand up front for this forty
thousand dollars. Roof is That, OKAY i think that's too.

Speaker 10 (01:26:33):
MUCH i think that's too much of a down payment
to start a project. With and you, want if you
kind of think about, it you want the payments on
the project to look like a call it a bell, curve,
Right so it's you, know there's a smaller payment at the,
beginning larger payments as the project is going, on and
proportionally as the project, ends back to smaller. Payments SO
i think what's fair is what you might pay upfront

(01:26:55):
to initially to the contractor is the same amount you're
withholding to the very. End and so there's there's you,
know there's a there's a, look there's a trust factor.
Here you, know it works both ways for contractors and for,
owners and so you, know, uh and that's your this
is your. Leverage this is the biggest source of losing
leverage with a contractor is paying them at a pace

(01:27:15):
that outpaces the work that they're performing for.

Speaker 5 (01:27:17):
You and the reason why that is in real, life
what happens is is a lot of contractors they'll take your,
draw your upfront, draw, right they'll start working your, case
but they're looking for new business at the same. Time
then they find another customer is ready to work with,
them so they want they want to get that draw,
too and they might not have enough manpower to do

(01:27:38):
both jobs at the same. Time so what they do
is they walk away from your job a little wet
for a little while to make the second customer happy that, oh,
look they're doing stuff just like they were doing stuff for.
You but then they disappeared on you to do the other.
Person then they get another draw and now the next
thing you, know they're not keeping up with. Everybody and
that's what you have to really worry, about because once

(01:27:59):
they have your mon it's very hard to claw it.
Back it's much better to keep the money in your
pocket and hold it as leverage if you have. To
and that's WHY i love telling CONTRACTORS i love cutting,
checks because that's what they want to, hear, Right but
What i'm telling them IS i love cutting checks because
you're doing what you need to be doing and we
have a good. Relationship one of the other THINGS i

(01:28:19):
want to ask about contracts, first before you get into
the final tips that you. Have what about what ABOUT
i used to put in my contracts AND i will
If i'm flipping homes. AGAIN i want to put in
the contract where let's Say i'm working with THE gc
to do the whole. Thing i'm going to, Say, okay
how long do you need to do this? Job and
let's say they say six, weeks And i'll say to, Them,

(01:28:41):
Okay i'm going to give you eight weeks to do the.
Job and let's SAY i feel that the price is
correct And i'm going to pay you what you're asking,
for And i'm going to give you eight, weeks not six.
Weeks but if you finish on six, Weeks i'm going
to give you a bonus Or i'll give you a
PER dm bonus for every day you finish under the
eight week. Period but if you don't finish in eight,

(01:29:01):
Weeks i'm going to charge you the same amount per.
Day on the opposite end to take away money from the.
Deal and you would be surprised at how many contractors
look at me and, Go i'm not signing. That and
this is before they even started the. Job AND i
love that question because you could just see on their
face right away in real, time is this guy really

(01:29:23):
going to do my job or. Not that's my. Opinion
and if they're more worried that they're not going to
meet the eight week deadline when they ask for six
and not getting. Excited it's, like this guy's giving me
two extra weeks and he's going to pay me more.
Money IF i finished in six weeks and not get
excited about, that THEN i don't want to work with that.
Guy is that a bad thing to? Do is that

(01:29:45):
a bad negotiation? Technique, no not at. All aould you
recommend to other people to do?

Speaker 6 (01:29:49):
IT i think IT'S i think that's a great litmus
TEST i had.

Speaker 10 (01:29:52):
THAT i think you had discussed that with me at
some point, previously AND i had not.

Speaker 6 (01:29:57):
Seen someone do that just like.

Speaker 10 (01:29:59):
That, yes these contracts can have provisions where you know
there's a penalty for, late or there's a bonus for,
Early but actually having the conversation with the contractor upfront
and reading their expression on their face and seeing it
in their, EYES i think is a great litmus tests
to see if that's going to be a contractor you
want to.

Speaker 5 (01:30:15):
Work and here are the most objections that get Most
WHEN i used to do this all the, Time, yeah
well i'm the. Painter what happens if the electrician doesn't
finish on? Time or what happens if the childer doesn't
finish And i'm supposed to put in the trim work and,
stuff or if it's because the, weather what, happens it's,
Weather i'm, like no. Problem i'm not trying to bust.
You that's Why i'm giving you extra time. Anyway but

(01:30:38):
if it does turn into an issue where the electricians
really really, slow believe, Me i'm going to be on
their case to make sure they get that work. Done
And i'm not going to let you get. Penalized that
electrician is going to be paying me to pay you right,
right Because i'm going to make sure that they're under
the same kind of thing that you. Are so if
you get these kind of ejections when you ask that,
question it's a really great litmus. Test, now what other

(01:31:00):
advice do you have about knowing your? Rights?

Speaker 10 (01:31:03):
Yeah so so otherwise you, know, again it's really whatever
is written into your contract is the most. Important if
you happen to be in a situation, here here's a
if you happen to be in a situation you've hired
an unlicensed. Contractor they have no right to get paid
for the work they're doing on your. House if the
work required exactly so we'll have situations, where you, know

(01:31:25):
these clients are coming to us have to have been
bullied basically by these unlicensed contractors who are trying to
squeeze more and more money out of, them and they
finally get fed up enough that they seek. Help and
that's one of the first things we tell. Them and
you could just see sort of the relief, fault you,
know right on their face that, WAIT i don't have
to pay this guy. Anything, no you don't have to
pay him anything. Else he can't enforce his. Contract he
can't put a lean on your house. Leap, well anyone

(01:31:46):
could put a lean on your, house but he can't
lean on your. House and so you, know and then
and then there's actually been some great case law recently
that even, suggests you, know the owner can recoup the
money they've paid the contractor already in a lawsuit. Back
it's called disgorge Min and so you, know that's something
that we will we will use as a pressure point
to try to get the this on license.

Speaker 5 (01:32:08):
Contractor and here here's another problem with That Port Saint
lucy contractor that was arrested up In Port Saint. Lucy
not only was he not doing the work that he
promised to do after people paid, them but he wasn't
paying the contractors they did be hired to do the.
Work so what did those subs? Do they put liens
on the person's.

Speaker 10 (01:32:26):
Property people don't know that you can pay your general
contractor and if he doesn't pay the sub they can
legitimately put a lien on your property and now you
have to pay. Twice so there's there's the right way
to make payments on a project and there's wrong ways
to make. Payments there's documents you're entitled to when you
make payments that contractors will generally not tell you, about
not because they're always trying to be, deceptive but just

(01:32:48):
because it's you, know it's just not necessarily their job
to tell you what you should. Know but so you
could get into a lot of trouble and have things
cost you even more and more and a lien on
your house that the unpaid contractor can.

Speaker 2 (01:33:02):
Foreclose could you put that in a contract where you avoid.

Speaker 10 (01:33:04):
That, yes you can put into the contract and make
sure that every time you make a payment you're getting
what's called partial Uh lian releases or or partial lean
waivers from. Subcontractors that the contractor has to present to
you a certain package of documents in addition to doing
the work before you will write them that. Check and
so that's where an attorney like a construction attorney like
us can additionally protect you in these.

Speaker 3 (01:33:26):
Contracts why do you legs dot com?

Speaker 5 (01:33:28):
Exactly and so you really have to make sure that
when you're if you don't have a job supervisor running
the job where you really have to make sure that
you're actually talking to the, Subs hey are you getting?
Paid you, know just ask, them, hey how's THE gc
Treating you're, right you, know on the, side you, know
just real. Quiet if they haven't been, Paid believe, me
they're going to tell, you, hey this guy hasn't pay

(01:33:50):
me because they're, thinking, hey this guy can help me
get my. Money and the owner, right Because i'm going
to go right to that contractor and, go, hey that
electrician isn't. Happy you fix it or you're gone right,
right and then everybody's. Gone Maybe i'll keep the, Electrician
i'll let you.

Speaker 3 (01:34:03):
Go.

Speaker 10 (01:34:03):
Yeah and there's no substitute for doing that. Yourself so
some people think, that you, know people misunderstand the role
of the building inspectors and the building. Officials SO i
did a presentation just two weeks ago to The Building
Officials association Of Palm Beach, county and SO i got
a chance to do a presentation to all of the
inspectors and everyone who comes out in code and plan
review and all that and getting into the conversations with.

(01:34:26):
Them homeowners don't understand that all the building officials are
there to do is to make sure that your work
meets the. Code the code is a minimum. Standard they're
not there to make sure that the work is done
to the standard you're, expecting or to the, industry or
to you know that it looks. Good but they're just
there to make sure it's just a passing. Code so
they're not there and they're not there to protect. That

(01:34:49):
they're kind of there to protect the, homeowner but only
to that. Extent so there's a lot of room between
passing an inspection because it meets code and where you
as a homeowner will be happy and and have a
rightful expectation that the work is going to be to
a certain. Quality there's a lot of room in there
that you know you're on your own if.

Speaker 5 (01:35:07):
You tile a shower stall right and the tiles all
screwed up with the grout lines and everything, right but
it isn't allowing any water to go through the wall
and it's. Solid that's good. Enough they're going to pass.
It and you might, go that's the worst tile lay
Job i've ever. Seen but as long as there is
any structural issues with, it that it's protecting that area and,

(01:35:31):
everything that's good enough for the for the building inspector
and not good enough for.

Speaker 11 (01:35:34):
You by the, WAY i think you would also, agree
and everybody here would. Agree also vet your inspection companies as,
well because that can turn around and bite you in.

Speaker 4 (01:35:44):
About his home.

Speaker 10 (01:35:44):
Inspectors, yeah that's the you, know we get calls. Sometimes
we don't really do this kind of, work but we
get calls sometimes from people who, say, Hey i've let
this house and my home inspector missed these. Things and
you know my experience that your agreement you've signed with
your home inspector says that his liability is capped at
the amount of money you paid them to do the,
inspection which is.

Speaker 6 (01:36:04):
Usually like five hundred.

Speaker 10 (01:36:05):
Bucks, yeah that happened to me once WHEN i bought
a house many years, ago and sure, enough that was
in my. Contract yeah we got a little more money
out of. It but, yeah your home inspectors there reports
your contracts with. Them there's things they are absolutely not
looking for and you're not paying them to look, for
and so you do need to be real careful about.
That and, yeah home inspectors or other folks that you.
Know one of the things Actually i've got a fantastic home.

(01:36:26):
Inspector one of the THINGS i do IS i promote
and sponsor something called The Florida Certified Master Builders. Program
so even Though i'm very consumer oriented and we protect,
homeowners part of THAT i think is being involved in
the builder side of the of the industry and making
sure that they're doing everything they can to raise their
game and their educate. Them and so This Certified Master builder,

(01:36:47):
program it's only thirty contractors or builders in the state
who qualify and have this, designation and those are like
the cream of the, crop the best of the. Best
and on this panel with me are folks who are
inspectors who are involved in drafting The Residential Building, code you,
know standards of construction and what should be and should
not be. Acceptable and you, know So i've got an

(01:37:08):
into just the whole state's worth of excellent, contractors, inspectors,
engineers private you, know, permit, expedediors you name, it and
so there it's a it's a really great resource for,
us especially to introduce clients to who come to. Us
because we had a guy he was building a house
for seven, years custom home for seven.

Speaker 5 (01:37:29):
YEARS i hope it's it's.

Speaker 6 (01:37:31):
Not it's a really nice.

Speaker 10 (01:37:33):
Home but but, ULTIMATELY i mean he signed a, contract
his kids were one and two and now they're eight and,
nine and and we had to fire that builder and
bringing someone else to finish. It and we're able to
bring in people that are, reputable pre, vetted and and you,
know and our of course.

Speaker 5 (01:37:47):
Litigation so much. Money when you go through.

Speaker 10 (01:37:50):
That, money, time the, stress the emotional, impact, relation you lose.
RELATIONSHIPS i, mean you, know we've seen it all from
the people who call us a very real life, problems
that life.

Speaker 6 (01:38:00):
Problem.

Speaker 2 (01:38:00):
Absolutely of, course when you're in a, situation you're, like,
man that sounds familiar to. Me you got resources power
players At Wyman Legal solutions dot. Com always Remember Florida
talk Real estate dot com as. Well when you're looking
to buy a, home sell of, home stuck with a.
Home you don't know what to do anything that touches
the world of real. Estate you're once dop Real Estate

(01:38:21):
Shop Florida talkrealestate Dot.

Speaker 5 (01:38:23):
Com So, andy we're gonna switch over to microwd because
we really had big news this week about interest rates
and want to kind of let people know what's going
on with. That this. Week also the monthly report for the,
realtors The Realtors association came, out SO i want to
go into. That but this was a really great. Topic
hopefully you had a good. Time i'd love to have
you back on the show again at some. Point and

(01:38:44):
anybody have any questions with, contractors just keep this in
the back of your head because it's, like, Hey i'm
having a. Problem oh that radio show, guys maybe they
have the help we. Do we hope we. Need oh
we do what we do and we don't charge. Anything
we just get you to the right people and then
you get free. Consultation, right you'd give a free consultation to, somebody, Correct,
Andy i'm throwing you under the.

Speaker 10 (01:39:03):
Bus we, actually you, know it's, interesting we actually don't
do free. Consultations, okay we got some three hundred and
fifty dollars to get on the phone with me for
a forty five minutes or so to talk about your.

Speaker 5 (01:39:14):
Problem, okay so that's important to, know but it's. IMPORTANT
i still think it might be worthwhile for. Always if
somebody's calling, you they're probably so stressed out anywhere exrectly.

Speaker 4 (01:39:22):
Free, yeah we're going to get.

Speaker 10 (01:39:24):
Good you're gonna get, Good you're gonna get, advice you're
gonna feel, really you'll know your options at the end
of that. Conversation, again like you said, before you may
not like the, options.

Speaker 5 (01:39:32):
But, well you know what your options.

Speaker 6 (01:39:34):
Are getting.

Speaker 5 (01:39:35):
Educated so anybody that needs, help give us a. Call
will get you over To. Andy for if you ever have,
contractors or you think about hiring, contractors and you think
about a big job or even a little, job and
you think it's worth having the, protection give us a call, Now,
MIKE i wanted to go over what happened this week
BECAUSE i read so many, bad horrible headlines about how
the interest rates just skyrocket this week because of the

(01:40:00):
basically the bond market went. Economics, yeah because of the bomb,
market because of the tariffs and some other things that
are going, on and the. Bonds people are very upset
And i've been here in seven and a half percent
interest rates and higher in the. News but is that?
True is that what you're seeing in real? Life Because
Freddy max only how does? It six eight? Six?

Speaker 4 (01:40:21):
Yeah SO i knew the THE freda report comes Out
thursday To, thursday and we didn't really start seeing much
of that kind of headline bond movement until like maybe
it Was, tuesday, right Especially, wednesday, right which means you
had the whole you, Know, Thursday, Friday, sauray you, Know
monday thing leading up to. US i knew there was
gonna be a big movement this. WEEK i would expect
Next thursday's report to be and then of, reflect.

Speaker 5 (01:40:43):
Do you think it'll be in the seventh next? WEEK
i don't think.

Speaker 12 (01:40:46):
So.

Speaker 4 (01:40:46):
NO I so where it's at six point eight six
is Past. THURSDAY i think it's still gonna be under
seven next. Week IF i were, PREDICTING i didn't see
that type Of so.

Speaker 5 (01:40:53):
That's WHAT i wanted to talk, about, right, so, EVERYBODY
i just on the way down, HERE i was listening
to news report that's is that we have the highest interest.
Rate it was some liberal group and it was like
complaining about the economy and they, say we've had the
highest interest, Rate we're at the highest interest rates since

(01:41:15):
since in the twenty first, century And i'm, like, no we're,
Not we're. Not you, know that Was november twenty twenty
three is when we hit the highest so far from
two thousand and six until, today which was seven seven,
Nine and that Was november two thousand and. Three We're
we're not at seven seven. Nine we're at six eight,
six almost a whole point below that. High so there's

(01:41:37):
a lot of media stuff out there that are actually
trying to justify their view of what's happening with the
economy and then trying to spin it that. Way And
i'm saying it on both, sides and all sides are
all left.

Speaker 4 (01:41:50):
From The but you're not sort of public opinion which is.

Speaker 5 (01:41:53):
Different than the, facts, right which is different than the. Facts, Now,
JOHNNY i know you're.

Speaker 2 (01:41:57):
Not going to agree with the other alternative.

Speaker 5 (01:41:59):
Facts, yeah because that's What johnny's going to argue that
what are we what are your? Facts, Right that's what
he's gonna. Argue but What i'm dealing with, statistics, Well
i'm dealing With i'm dealing with the you, know the
price consumer, index the consumer Price, index The Freddie Mack,
report the ten Year treasury, bond and the inflation. Reports,
right So i'm looking at all this stuff that has

(01:42:22):
been looked at for the last thirty forty, years every you,
know and basing it on. That and you know, what
up to this, Point i'm not saying it's not going
to change next. Month they, could, Okay but up to
this month these reports look like the, same you, know
a year ago, reports the reports from a year, ago
they don't look that much. Difference the inflation is pretty
much the. Same the interest rates have been hanging around

(01:42:44):
at six 's eight for a very long. Time so
this whole thing everybody's thinking the sky has. Fallen this
is actually a better and this is what me And
mike are talking about. Yesterday this is actually a better
time for the buyrus to buy than when the interest
rates start stop start. Falling the the monthly report For
South florida came. Out our inventory is still. Growing Palm

(01:43:05):
Beach county went from five point eight to five point
nine months inventory. Inventory that isn't a huge, increase but
it's not going. Down Port Saint lucy's inventory is. Growing
very surprising over there Because Port Saint lucy's always been
the honey hole for deals pro, massively and, yeah it's
growing a. LOT i mean it used to be at
point nine months and we're well into the four months.

(01:43:25):
Now yeah.

Speaker 4 (01:43:25):
RIGHT i mean any active buyers out there right now
hearing inventory on the rise should be, saying, oh you know, alert.

Speaker 5 (01:43:32):
You gotta buy. Now even if you're in these interest
rates are not high over the last eighteen, months so
it isn't like you're buying at the highest point of
the interest rates or. Anything you're buying it what's been
pretty much happening for eighteen, months and you're gonna buy it.
Now you're not gonna have any. Competition you got tons
of motivated. Sellers not everybody's, motivated but the ones that
are you can get great deals. From and when the

(01:43:55):
interest rates, drop while all the other know it alls
think that they were so smart wait for the interest,
rates then they're going to be competing with everybody else
that was waiting for. That you already went that you
zigged when they, zact so you zig you bought, first
you bought lower than they're going to, buy and then
you're going to refile your house when it gets down
to the right, point and you're going to get the

(01:44:16):
low interest rates they're, getting but you bought it at
a price way lower than they're. Buying marry the house
date or eight and. Yeah and the thing is is
that people really need to hear, this Because, johnny when
you bought your house in twenty, fourteen it wasn't really
the optimum tie to. Buy the market was just starting
to scoot up at that. Point people weren't really realizing

(01:44:38):
it except for.

Speaker 2 (01:44:38):
Us you were, like, dude you are running out of.

Speaker 5 (01:44:41):
Time, yeah and twenty, FOURTEEN i was, saying you're missing
out on all the great excess equity you can get
from the. Crash right, now he bought right at the
beginning when the crash was getting, over but he still
got lower and his house is worth double what he
paid for in twenty, fourteen roughly? Double AM i exaggerating about? That?

Speaker 2 (01:45:00):
Yeah probably you're going to be coming over and giving
us ad it's coming my net, Sheet but we, refined,
UH i don't, know four years.

Speaker 3 (01:45:09):
Ago probably. Now, Gosh i'm so bad with.

Speaker 4 (01:45:12):
You it's, fine you didn't quite wait long enough to
get the very bottom of the refi rate, market but
you got a Good we're four, percent, right, yeah very
close to. That so not in the three percent club
or the two percent, club and some people got into
but people would.

Speaker 5 (01:45:25):
Killed for Four. Johnny Uh, no that's, right Because i'm
working on an assumable trease right.

Speaker 4 (01:45:36):
Now loans AND va loans are assumable under the right,
conditions which is a really great, tool uh to know.
About not always practical.

Speaker 3 (01:45:47):
In.

Speaker 5 (01:45:47):
Execution, yeah it's. Hard it's very.

Speaker 4 (01:45:49):
Hard is like, assumable but you also want, profit you,
know you want your. Equity you're you're not selling it
for the loan, balance so you have to come in
with whatever that. DIFFERENCE i have.

Speaker 5 (01:45:59):
A weird one where how is in foreclosure but it's.
Assumable oh. Beautiful SO i don't know if if the
new buyer paid off the, bank you, know to get caught,
up if they can grab it as an assumable mortgage or.
NOT i asked one of the law firms THAT i work,
with and they said they weren't.

Speaker 4 (01:46:15):
Sure so, YEAH i don't know the answer to that,
either But i'm sure whatever the difference, is if you
come in with that, Money.

Speaker 5 (01:46:21):
Yeah you think that? Fine, yeah chrise the, contracts the
mortgage says it is, assumable so they'd have to do
it right as long as you qualify for that.

Speaker 4 (01:46:29):
Mortgage it's, funny so the current loan servicer on THE faha,
loans so whoever holds the paper has to approve the new.
BUYERS i think the difference is, like let's say THEY
o three hundred on the, loan but then the homes
worth four, hundred, right and that's what it's going To
so it's that one hundred thousand dollars gap that you
have to figure. Out but it can still be a great.

(01:46:50):
Tool even with the mortgage insurance that goes along WITH,
fha it'll make it because you can be like four
percent plus mortgage insurance is better than seven, percent you
know on a on a conventional or Existing CAN i ask.

Speaker 2 (01:47:01):
A random, question, sure just because it was stuff That
i've been reading this. Week so loans are always made
like with the idea of being sold right the wrong
the servicing the.

Speaker 4 (01:47:09):
Loan, yeah, yeah not, always but so there's a decision
to be number, one the lender you're dealing with has
to be able to make that. Decision they can service
loans or. Not some lenders can't service, loans, right they're
just they just write the initial one and the servicing.
Transfers but the mortgage, firm for, example there was at
one time we were servicing almost all the loans that we, did,
Right but those were loans that were not likely to,

(01:47:33):
refinance say in the next four, years, Right because when
you retain, servicing profit is made over the long. Term
when you transfer servicing, initially you make your, profit, right
then you're basically done with. It so loans that are
potentially refinanceable within the next five year, window you're never
going to get that point where you make more money
than if you sold transfer the servicing. Initially. Right so

(01:47:54):
on a seven percent, loan, well that's likely to Refi
so we're just going to transfer it make our.

Speaker 3 (01:47:59):
Profit.

Speaker 4 (01:47:59):
Now on a three percent, loan that's probably a thirty year,
loan we're going to do servicing for the thirty years
and make a lot of.

Speaker 2 (01:48:06):
Money, Okay so very. IGNORANT i need your expertise on.
This So i've Been i've been trying to make my
way through the weeds in. This the way That i've
consumed it Is fanny And freddy have a lot to
do with those reselling of the serviceable loans or the
loans if they go, private that's going to throw this
weird wrench in that kind.

Speaker 4 (01:48:26):
Of they were private, before so they've only kind of
been quasi governmentally controlled since the.

Speaker 2 (01:48:32):
Crash right. Exactly but What i'm reading it almost feels
like they're fear mongering in a way where they're, like,
oh that could make it tough for loans in the.
Future is that going to affect normal loan processing in
the future if they go back to, Private.

Speaker 4 (01:48:46):
NO i don't think. SO i Mean fanning And freddie
basically the power that they hold is that they buy
the mortgage backed security, right, Right so they're essentially, securitizing you,
know ninety percent of the conventional.

Speaker 2 (01:48:55):
Loans would they be doing that if they're back, private
would they be doing if the ring that they're, Doing,
yeah they.

Speaker 4 (01:49:00):
Did, Yeah they're they're basically for profit right, now they're
just government, control so they're they're all about the bottom.
Line so there's money to be.

Speaker 3 (01:49:07):
Made so a lot of the, again the devil's always
in the.

Speaker 2 (01:49:11):
Details the opinion that's being shared in some of the
facts can muddy the.

Speaker 5 (01:49:15):
Water this scary part about going back to the old
system from What i'm reading, right Because i'm reading that stuff, Too,
Johnny i've been keeping close Because i'm really. Worried remember
we've always said if they ever going back to putting
out the ads, saying, hey you want to go on
vacation or Buyer, lamborghini, right take the money out of your, house,
right remember back on country wide and all that.

Speaker 3 (01:49:37):
Again.

Speaker 5 (01:49:38):
RIGHT i know it's happening a little, bit and the
NO doc loans are starting to come out a little
bit more so that's getting a little. Scary but now
the idea of privatizing, Again Fannie mae And Freddie. Mack the,
reason part of the reason why we got into trouble
the first time was because when they started collateralizing the
loans and, everything what happened was is those private companies

(01:50:02):
were more worried about, them in my, opinion more worried
about the profit they're making than the security of the
loans that they were actually putting. Together and they didn't
care because they were making so much. Money BECAUSE i
was called pigs of the. Trough they're going to eat
until there's no more food, left and then they'll worry
about their stomach.

Speaker 4 (01:50:17):
Ache, later the general thesis was, like people don't default
on their.

Speaker 5 (01:50:22):
Right Because americans never defaulted on their loans. Right so
but now if we go back to that and have
no oversight From congress and let them just do their,
thing we could go back to where we had that crisis.
Again and that's what the fear is.

Speaker 4 (01:50:37):
More about the regulation and the financial markets than it
is The fanning And freddy who's running the. Show but,
Yeah fanning And freddie definitely loosened up on there those dirty.

Speaker 5 (01:50:48):
Mortgages they were buying their dirty mortgages and then package
them as collateral and they were just looking the other.
Way and that's what could happen if they go private.
Again that's why you know, Government i'm not a big government,
fan you, KNOW i don't trust, government but it's but
there is usefulness of government to protect. People and you've
got to understand you kind of have to have a

(01:51:08):
healthy disrespect for, government but at the same time use
them when they're helpful to the.

Speaker 4 (01:51:14):
Public To johnny's, point and we might be missing the
whole like what's happening in the rates and everything's, Okay
but So fana And freddie essentially set risk tolerance for approving,
loans and so they set the rules for. Lending you,
know credit has to meet this. Requirement your income is
analyzed in this. Way here's how we do self employee
borrowers all of. That, Right so if they start loosening

(01:51:36):
up and kind of like allowing a little bit more,
risk they also want to protect against that. Risk and
so the ultimately the interest rate that you end up
at has some element of your individual risk profile. Mortgaging,
right so if you have lower, credit, right if you're
putting a lower down payment versus say a fifty percent
out something like, That so they have what they call

(01:51:57):
loan level pricing adjustments OR.

Speaker 2 (01:51:59):
Llpa you don't have skin in the, game you know
what do?

Speaker 4 (01:52:01):
You and this is the this is why You johnny
might be at seven percent and, uh you, Know, jim
you're gonna be at six point five. Percent. Right could
be everything to do with your down, payment your, credit
essentially your risk. Profile, sure so if they start allowing
a little bit of latitude in, there well there's profit
to be made because they can adjust the ll pas
and they can essentially have a higher interest rate covers

(01:52:23):
their butt a little. Bit and so that's WHERE i
think the you, know kind of the privatization allows them
to do that a little bit, more a little bit
more free hand on individual profit or risk on you,
know individual. Loans so there's a potential there for, hey
we're still not going to, Default we're going to allow
this level of. Risk we're going to cover our butts

(01:52:45):
by having higher interest rate or prepaid interest something like,
that and then maybe it can result in higher interest rates.

Speaker 2 (01:52:50):
Across it's all in the desire to kick start the
housing economy because, well another HEADLINE i read was lowest
home sales since.

Speaker 5 (01:52:59):
Owned, YES i.

Speaker 4 (01:53:01):
Think the philosophy is, like you, know less government, involvement
more free, market and, uh.

Speaker 2 (01:53:08):
You know, WHAT i KNOW i fall in line with
that so quickly until you realize you're, like, oh well
we shouldn't have done. That, Instantly i'm like that sounds,
great and then you're, like why.

Speaker 3 (01:53:17):
DO i fall for?

Speaker 4 (01:53:17):
THAT i remember just talking about interest rates in, General, jim,
like really like that the day to, day week to,
week it really only matters if you're actively shopping and
you're ready to lock in your interest, rate and that's super.
Critical so this we're not doing the headlines the fear Mongreen,

(01:53:38):
like we're not even, saying, hey look what you can.
Do you buy, now you could double your home value
in ten. Years we're just, saying if you're a, buyer,
right you got to you got to know these, numbers,
Right you have to know these. Numbers you have to
be able to make decisions and these slight fluctuations that
you're seeing down, day don't lose sleep over. It you
just got to deal with the reality of. It if
you're in that, mode you're not in the, mode then

(01:54:00):
it doesn't.

Speaker 5 (01:54:01):
Matter next, week we're going to go in deep about
all of this. Stuff so if you're a buyer or,
seller we're going to get into interest rates and understanding
how it's changing and how you can negotiate to offset
that interest rate. Increase there's a lot of powerful stuff
we're going to have for buyers and sellers next. Week,
mike you're going to be, here. Right you got to
hear yet that.

Speaker 4 (01:54:18):
ONE i sure will.

Speaker 2 (01:54:19):
You and we'll keep reiterating the interest rate is not
the most important.

Speaker 3 (01:54:24):
Number it's just. Not it is an important, number but your.

Speaker 2 (01:54:27):
Monthly obligation is what matters. Most and there's a bunch
of things that go into that bunch of. Things that's
why you gotta get with a. Pro you gotta understand
exactly where you, stand how firm that footing. IS i
know sometimes when you look out and that water looks,
deep but, boy you take those first couple, steps you're,
like that's the way you. Like ankle. Deep don't be.

Speaker 3 (01:54:44):
Scared walk out in the, water wait out with. Us
it's time to buy a. Home sell a.

Speaker 2 (01:54:48):
Home you stuck with a, home you don't know what to,
do deal with. It florida Talkreal estate Dot, com your
one stop real estate. Shop thank you To Andy Wyman
Wyman Legal solutions for coming in to visit us.

Speaker 3 (01:54:59):
Today it was.

Speaker 6 (01:54:59):
Great Hey, man thanks for having.

Speaker 2 (01:55:01):
Me Whymandegal solutions Dot com and of Course Florida talk
Real estate Dot com and get you right. There Mike,
row the mortgage guy from the mortgage, firm great to
see His always you.

Speaker 4 (01:55:09):
Too Happy Memorial day. Weekend, everybody have.

Speaker 2 (01:55:11):
An Excellent Memorial day week and remember the reason by
the way people sacrifice the most that they possibly can
for all the things we. Enjoy to set aside some
time to recognize those that gave the most and their families.
Too man did they sacrifice? Too Memorial days about. Remembering
let's Remember jimmy D florida homes so pros The kelloween's.

Speaker 3 (01:55:32):
Savations have a wonderful.

Speaker 5 (01:55:34):
Weekend i've Been Memorial day. Weekend.

Speaker 11 (01:55:35):
Everybody we got panthers coming up, here pregame, yep the
little panthers actually coming up after, this and then the
locker room later.

Speaker 2 (01:55:42):
On. Excellent have a great, Weekend Happy Memorial. Day we'll
see you Next. Saturday The Palm Beach Home show is.

Speaker 4 (01:55:48):
Back shop the latest trends and find everything to remodel
your home From may twenty third to the twenty sixth
at The Palm Beach County Convention.

Speaker 2 (01:55:55):
Center visit home shows dot com

Speaker 4 (01:56:00):
All one