2 Realtors & 1 Money Man

As always, you will find our guests interesting on this edition!

Episode Transcript

Speaker 1 (00:01):
The views and opinions expressed by the participants on this
show are not necessarily those of Stuart Information Services Corporation,
Stewart Title, or Stewart Insurance. Before you make any investment,
you should seek the advice of your investment advisor or attorney.

Speaker 2 (00:14):
Whether you're a real estate broker, realtor homeowner, buyer or seller,
everything matters when it comes to real estate. This is
Real Estate Matters with Steware Title, Steward Titles. Bill Knapik
and guests open the door to what really matters in owning, buying,
and selling real estate. And now Real Estate Matters with
Stuarre Title, brought to you by Stuart Insurance, here to inform,

(00:38):
entertain and inspire.

Speaker 3 (00:39):
Bill Knabek, Welcome to the show. It is Real Estate
Matters with Stuart Title. I'm your host, Bill Nappick. Thank
you for joining us here. It is show number five
hundred and seventy. We're so glad that you joined us today.
We have tremendous real estate professionals once again for you,
and we're going to start with Madison Barbosa. Our company

(01:00):
is called the CORP Team. Madison. Welcome to the show.

Speaker 4 (01:04):
Thank you, Bill.

Speaker 5 (01:05):
I'm excited to be here and chatting a little bit
about real estate.

Speaker 3 (01:08):
Well, no doubt about it. We're glad to have you.
And first of all, your company is called the CORP Team. Correct. Correct,
Let's tell people a little bit about the company, all.

Speaker 5 (01:16):
Righty, Well, Corpse stands for commercial or residential properties, So
we cover both sides, commercial and residential, helping anywhere from leasing, renting, buying,
and selling anywhere from one unit to two hundred plus
units in multifamily.

Speaker 3 (01:33):
Covering so many bases in real estate. And it's interesting, Madison,
as residential, real estate and commercial kind of go hand
in hand and affect each other, right.

Speaker 5 (01:42):
Yeah, absolutely, I mean it can a lot of investors
start in a single family room, you know, and then
I think they recognize nobody wants to cover ten different roofs.

Speaker 4 (01:52):
They would rather have one roof under ten units.

Speaker 5 (01:54):
And so that's kind of where we're able to hold
the hand a little bit from their very first investment
into them getting a greater portfolio. And that can be
anywhere from northern Houston, we see it even in Austin
and Dallas as really hot metro areas.

Speaker 3 (02:10):
And let's get people on the idea as we're speaking geography. Geographically,
where have you spent most of your time, say, in
the last couple months.

Speaker 5 (02:18):
North Houston, that's definitely a hot market. Conroe, Magnolia, the Woodlands, Montgomery,
Montgomery County specifically, that's a lot of growth happening there
with new builds, people moving coming from California here as
well as kind of branching out just to get away
from Houston.

Speaker 3 (02:36):
It's always interested. We're still hearing about people from California.

Speaker 6 (02:40):
Yeah.

Speaker 5 (02:41):
No, I've had several people reach out in the last
few months just to kind of, I guess, dip their
toe in the water of what that would look like
financially for them and kind of getting an understanding of.

Speaker 4 (02:52):
What Conroe is.

Speaker 5 (02:53):
You know, what the outskirts of Conroe looks like, because
I think a lot of people they're wanting that school,
good school district.

Speaker 3 (03:01):
Well, let's give people an idea. Certainly, the Montgomery, Conrod
all those areas are very attractive to outsiders of Houston
and certainly even in other areas. But let's tell people
some of the economic drivers that you're seeing that bring
people to Conroe, Montgomery, that northern northern northwest part of Houston.

Speaker 5 (03:20):
And a residential standpoint, I think it has a little
bit to do with the tax rate as well as
the price that you're getting. New builds are able to offer,
you know, great incentives like interest rates, covering closing costs,
and they're getting more square footage for their price, say
as they were in California.

Speaker 3 (03:39):
And then what about the commercial part. Are you seeing
people that come from maybe California or even other places
in the commercial market.

Speaker 5 (03:46):
Absolutely, they want to be in the Houston area, Texas specifically.

Speaker 4 (03:51):
So commercial is a little different than residential.

Speaker 5 (03:53):
I wouldn't, you know, really go help someone find a
property in Austin of a home because I'm not the
preferred expert for that location. But when it comes to
commercial real estate, I'm able to fully understand those financials
that they have in location they want because really it
gets dives into the numbers a little bit more, and
if the numbers make sense, investors want to be there.

Speaker 3 (04:15):
And when we think about commercial in this northern part
of Houston, what sectors are the restaurant industrial? What are
the commercial people that you see the most?

Speaker 4 (04:25):
Multi family?

Speaker 3 (04:26):
It's a multi family.

Speaker 5 (04:27):
Because it's expensive to rent, it's expensive to buy. Right now,
so the multi family market is able to have a
little bit more of a cheaper option. It's a little
bit more of a flexible option for consumers, and then
as far as an investors take, they're able to get
a lot of profits off of that.

Speaker 4 (04:47):
Unfortunately, and at this.

Speaker 3 (04:49):
Time, let's take commercial. Are you helping more buyers or sellers?

Speaker 4 (04:52):
I don't know.

Speaker 5 (04:53):
It really can be fifty to fifty. Commercial again is
very different. It's a listing standpoint. So I have a
lot of buyers to me because of all the listenings
that we have as a team, But really buyers need
the financials and so they just want to talk through
that to see if it's a good investment for them
to move forward with.

Speaker 3 (05:12):
And then what about residential? So here are you actually
doing both helping buyers and sellers?

Speaker 5 (05:17):
And both of these I run a little crazy twenty
four to seven, but I do help on both sides,
buyers and seller, commercial and residential.

Speaker 3 (05:24):
And then on the residential side, how's it going up there?

Speaker 4 (05:27):
It's picking up.

Speaker 5 (05:28):
You know, everyone knows it's a tough market. People don't
have the money that they once did, and everybody wants
a deal. I don't think that's ever changed, but it's
been picking up. Where people are, you know, getting off
the sidelines a little bit and not as scared of
these interest rates.

Speaker 3 (05:45):
Well, I think, and you mentioned it a few minutes ago,
and that is the tax rate. The tax rate. I
don't care whether you're buying in Texas, Arkansas, or any
other place looking at the tech. The tax rates very
all over the place, and I think people forget right
here in the Houston area, they vary quite a bit.
And let's get people an idea because some tax rates

(06:08):
I think are over three percent in certain areas. But
when we talk about desirable tax rates for residential in
the Northwest area, let's give people a sample of what
you've seen on the lower end.

Speaker 5 (06:20):
On the lower end, one point seven, and that's Magnolia.
Magnoia has pretty good tax rates because it hasn't been.

Speaker 4 (06:27):
Fully developed, if you will.

Speaker 5 (06:30):
It's still that kind of rural area that's seeing a
lot of people move that way. But I've seen anywhere
three point eight going into Conro and I.

Speaker 3 (06:38):
Would also guess and correct me if I'm wrong. But
buyers out there, maybe especially new first time buyers, they
don't even think about the tax right now. They'll just
take what they get. Do you see that I do?

Speaker 5 (06:50):
But surprisingly enough people are noticing because I think social media, right,
people are getting that wake up call after a year
or two going into their new build and seeing their
invoice essentially come in showing the taxes on that, and
it's alarming, and so most people are looking for I
guess the driving factors for their buying is school district

(07:11):
and that tax rate.

Speaker 3 (07:12):
Because taxes and insurance are going up, and I think
if we're right in on a good tax rate from
the get go, that makes life easier as we own
the home. Right, we're talking with Madison Barbosa with the
CORP team serving the Northwest part of Houston, commercial and residential. Madison,
of all the things you could be doing here you
are in the real estate world, what was it about

(07:33):
real estate that attracted you to begin with people?

Speaker 4 (07:37):
Period?

Speaker 5 (07:38):
We live in a social media world, and while that's great,
connection with people is really what drives the force. And
so I just like working with people, talking with them,
and then at the end of the day, if there's
a win, I like them winning with buying a home,
but also winning with perks.

Speaker 4 (07:53):
They didn't even know that they could have.

Speaker 5 (07:55):
At the end of the day, buying a home is
your biggest financial investment and it's a serious amount.

Speaker 3 (08:00):
And getting the word out for your personal brand and
the corp team. What are some of the things you're
doing from the social media standpoint.

Speaker 5 (08:07):
You can find me on Instagram, Facebook, LinkedIn, even and
I try to put out as much content as I can.
But of course, day to day when I'm working, I
forget to whip the phone out, but I do a
lot of reels, so videos seems to be where I
do the most social media.

Speaker 3 (08:24):
How do you feel about Facebook? Do you get results
from Facebook?

Speaker 4 (08:27):
Facebook Marketplace? Surprisingly enough?

Speaker 5 (08:29):
I mean I work with everyone from renters to investors,
and so I post a lot on Facebook Marketplace, and
again it's just hoping to connect with people that don't
have any resource to go to. I think my biggest tagline,
if you will, is buying with confidence, and I want
to be that resource for people.

Speaker 3 (08:48):
And then we're in the second half of the year,
and if you were to speculate in your gut feeling,
how do you see the rest of the year play out.
It's an interesting year, no doubt, but how do you
see things unwind?

Speaker 5 (09:00):
I think people will continue to get off the sidelines.
I think it's I've seen it pick up a lot. Obviously,
summertime is the most movement in real estate, and it
was a little slow towards the beginning, but it's definitely
picked up in this end of the summer, and I
think it'll continue to do that as we get closer
to the end of the year.

Speaker 3 (09:21):
And then other than the tax rate, again we're talking
about for those listening maybe outside of Houston, we're talking
about the northwest. So if Houston's like a clock, we're
in the eleven o'clock ten o'clock zone. I mean, there's
so many from a residential standpoint, there's a lot of
diversity in the type of homes and properties we can
get because sometimes we forget there's lakes up there. You

(09:41):
can have lakes. You could have elbow room. Let's tell
people a little bit about.

Speaker 4 (09:46):
That Lake Conroe.

Speaker 5 (09:47):
You have Huntsville State Park, you have a park off
fourteen eighty eight. It's really just a location where it
gives a little bit of home time feel where you have,
you know, local restaurants, so you have local boutiques. But
then as you go out you can get a little
bit more rule where you're not, you know, in these
master planned communities right on top of each other, so

(10:08):
it's a very good mix in you know, Montgomery County, Madison.

Speaker 3 (10:12):
Let's tell people how they can reach out to you
in case they need help buying, selling, commercial or residential.

Speaker 5 (10:18):
You can find me on Instagram, Facebook at Madison Barbosa
real Estate, but the best way to probably reach me
is for the phone for zero nine eight three four
four three seven seven for zero nine eight three four four.

Speaker 4 (10:33):
Three seven seven Madison.

Speaker 3 (10:35):
Thanks for being with.

Speaker 4 (10:36):
Us, Thank you, thank you for having me.

Speaker 3 (10:39):
As we continue, let's talk to Ylayna far zoo Leliava
with Worth Clark Realty. Elena, welcome to the show.

Speaker 7 (10:48):
Thank you, Bill, thank you so much for having me.

Speaker 3 (10:50):
Well, it's awesome to see and here you are in
the real estate profession doing tremendous work every day. Elena. Yes, well,
let's tell people Worth Clark Realty. Tell people about your company.

Speaker 7 (11:01):
So I'm here in Houston, but they're based in Illinois,
throughout Texas, throughout Georgia, different states, so I'm able to
help and relocate people within the same company.

Speaker 3 (11:15):
So and that's great having a company that has other
cities that you're working with or they're working with, but
now mostly here in Houston. You're spending most of your
time in what part of the Houston area.

Speaker 7 (11:27):
Probably Ford, ben County, Sugarland, Rosenberg, Richmond.

Speaker 3 (11:31):
And the marketplace. Right now, what are you seeing in
that part of the world.

Speaker 7 (11:35):
It's a little different, but it is picking up. It
was a little bit slow in the beginning, it is
picking up. I think people are starting to realize that
the market and the interest rates are not the same
as they used to do, and I think they're starting
to move forward with purchasing and selling more.

Speaker 3 (11:54):
And then right now with your activity, are you helping
more buyers or sellers at this point in time?

Speaker 7 (11:59):
Yes, the last couple of weeks or so, I've had
a lot more buyers I think, than sellers. But I
do both.

Speaker 3 (12:07):
And the great thing I would think if I were
a buyer at this point in time, wouldn't it we
say that the conditions are kind of favorable, more so
for the buyer than that maybe a year ago.

Speaker 7 (12:18):
Yes, I think buyers now have more options as well,
so they might be a little bit skeptical. But I
feel like if you sit down and explain things to them,
they start to understand a little bit better.

Speaker 3 (12:31):
That's awesome too. And you're in the real estate world,
let's tell people about how long ten years? Ten years?
So you've seen it. You've seen it and a lot
of changes along the way. Yes, does that keep you
excited about the profession?

Speaker 7 (12:46):
I love this job.

Speaker 3 (12:48):
And what was it about real estate those ten years
ago or so that made you say this is what
I want to do.

Speaker 7 (12:55):
So I think when I was in my early twenties,
I really wanted to do this, but then life happened,
and in twenty fifteen I decided I'm going to go
full in and I've been doing it ever since.

Speaker 3 (13:08):
And in your real estate world, have you mostly been
in the Fort Bend area or have you been in other.

Speaker 7 (13:13):
Parts of pure been in other parts. I've worked in
Dallas as well.

Speaker 3 (13:17):
Well, that's interesting as well.

Speaker 7 (13:18):
I won't do it for everybody, but I have some
people that I will do it. I actually have a
closing there.

Speaker 3 (13:23):
Tomorrow in the Dallas area. Fascinating. Well, that gives you
sometimes we think here in Texas, certainly Houston. We're Houston centric,
certainly on this show and the people we have on however,
there's some pretty strong markets like Dallas, San Antonio, and Austin.
They're the big four.

Speaker 7 (13:40):
We'll say, right, yep, I'll do it for you know,
close friends or family or referrals. But I try to
stay in the Fort Bend County.

Speaker 3 (13:48):
And then right now, if someone's listening that's not familiar
with Houston at all, let's say on the internet, there
another city, and we say Fort Bend and sugar Land,
describe what are what the drivers are in terms of
the economics that make that a popular Those areas popular
to Houstonians or people that want to move there.

Speaker 7 (14:06):
So I have a lot of people from New York
or from California or investors that like those areas because
it's very family oriented and it has good schools, and
there's very diverse. So I think people are trying to

(14:28):
get to those areas for those reasons.

Speaker 3 (14:30):
And also I know from sugar Land to downtown Houston,
if you want to access downtown Houston, provided it's not
say at rush hour, it's not that big a deal.

Speaker 7 (14:41):
It's not that big of a deal.

Speaker 3 (14:42):
Just get on fifty nine or sixty nine exactly, no doubt.

Speaker 7 (14:45):
There's worse traffic elsewhere.

Speaker 3 (14:47):
There really is no doubt about it.

Speaker 8 (14:49):
Now.

Speaker 3 (14:49):
Also, you mentioned Rosenberg, tell us a little bit about Rosenberg.
Is that safe to say that that's more of a
rural area. I'm not that familiar.

Speaker 7 (14:56):
It's really growing over the years. There's a lot of
builders that have come out there, and it's really growing.
And all these builders are giving out incentives and low
interest rates. So I think it's going to start populating
a lot more as well.

Speaker 3 (15:13):
And then right now, let's take sugar Land. You know,
sugar Land has just a great name, sugar Land like candy.
It's sweet, right, you have all that. Let's say you're
in someone's in the sugar Land area and they say, Elena,
I want to sell my home, right as as you
tell as you talk to someone about a listing, say
in the sugar Land area, what are some of the

(15:33):
considerations now, with the market the way it is, what
are you how are you preparing them for the sales
experience if you list their home.

Speaker 7 (15:40):
I think back in the days properties were selling quicker,
but I would say today thirty plus days only it's
not that bad. It's not that bad only because as
I said earlier, buyers are a little bit skeptical and
they want to make sure because they have options and
they want to make make sure that they're buying the

(16:01):
right way and in the right areas.

Speaker 3 (16:04):
What about open houses? Now, when you have a listening,
do you use the open house as a tool. Do
you think that's a good idea?

Speaker 7 (16:10):
Or I do I get a listing, I market it
on social media, Facebook, Instagram, TikTok, sometimes on LinkedIn. I
will do door knocking, door hangers. I will try to
do as much as I can to prep a week
to two before, so then this way I have a

(16:31):
successful open house.

Speaker 3 (16:33):
I like that you said that because a lot of
times when I see open houses in my area, or
I think other people when they see an open house
that they think, oh, the realtor just puts the sign.
They put the sign up and maybe some lemonade or
cookies and come on in. But I'm glad you said
that there's actually preparation.

Speaker 7 (16:50):
The preparation. There's preparation. Otherwise you're not going to get
anybody walking in and you want to sell the house.
You're doing a disservice to your client if you don't.

Speaker 3 (16:59):
So there you are. That's why you're true professional, right?

Speaker 7 (17:02):
Thank you?

Speaker 3 (17:02):
Yes, no doubt about it. Now here's another thing that
I see every once in a while and again in
my neighborhood. It's not sugar Land, but it might have similarities,
and that is I saw a home where the agent
put a coming soon sign up. Now do you ever
use that or do you think that's a good idea?
Because as someone driving by, I'm thinking, well, if I'm
interested in that home, I see that it's coming soon.

(17:25):
But what do you think As a realtor.

Speaker 7 (17:28):
You can put it because then you have your phone
number and all your information on the sign. But I
usually I'll ask my clients what they prefer. Everyone's a
little bit different. But I will usually list the property
on a Thursday because that's when people are starting to
figure out if they're going to come out for open houses,

(17:49):
and by that weekend I will have the two open
houses Saturday and Sunday.

Speaker 3 (17:53):
See what you're saying is that to be successful in
real estate you have to have systems and procedures and
consistency and be strategic. Yes, let's tell people. As far
as the social media aspect you mentioned Facebook, how do
you promote a property you use Facebook to promote, say
a certain listing or yourself, your brand or both.

Speaker 7 (18:15):
I do both because I want people to see me
as me outside of real estate, and I want them
to see me as a realtor as well, so they
can get the feel of who I am and not
just a realter. That I have a life and you know,
kids and things like that, so they can connect with
me on that kind of level.

Speaker 3 (18:34):
And that seems to work pretty well because I know
from the standpoint of when I see a listing that
a realtor puts on Facebook, depending on even I may
not be interested in it, but I like to see it,
and I might even look at the home and go
from there.

Speaker 7 (18:49):
So I'll do reels, I'll do videos of myself walking
through the house.

Speaker 3 (18:56):
So those things create interest. Apparently, Yes, you also said
something I think that's important in any profession, but certainly
real estate. Consistency about how in what should do.

Speaker 7 (19:07):
Yes, that's very important.

Speaker 3 (19:10):
You have to so give us an idea as we
look ahead. Here we are once again, it seems like
the years almost over, Elena, but we got almost the
better part of a half. How do you see things
work out as we as we go forward.

Speaker 7 (19:25):
I think it's I think it's going to be good.
I think it's going to move forward. People are going
to start buying, people are going to start selling. I
don't think we're just going to be at a standstill.

Speaker 3 (19:35):
And right now, as far as listings and buyers, you're
helping more.

Speaker 7 (19:40):
Buyers right probably more buyers.

Speaker 3 (19:43):
And are you seeing anyone coming from outside of Houston.

Speaker 7 (19:45):
I have a few that are outside of Houston from California.

Speaker 3 (19:49):
What about the I think you said in New York
as well as well? Yeah, well, tell us about a
New York or a family or an individual from New York.
Are they coming from the city or from maybe upstate
New York that you've seen Glynn that's in the city.

Speaker 7 (20:03):
But I think you cannot get over there with two
different world two different same thing with California.

Speaker 3 (20:10):
So as far as the without mentioning name, certainly, but
somewhat from this Brooklyn area, whether it's an individual or family,
are they looking at a home in Houston as a
second home or they just are going to get away
from Brooklyn?

Speaker 7 (20:23):
No, they're getting away. They're all moving to Texas.

Speaker 3 (20:26):
How about that?

Speaker 7 (20:27):
Yeah, I have some investors from California and some families
as well.

Speaker 3 (20:31):
Oh, Elaine Thanks for being with us. Let's tell people
how they can reach.

Speaker 7 (20:35):
You social media, Facebook, Instagram, TikTok, LinkedIn or my phone
number eight three two six two two nine nine five
three eight three two six two two nine nine five three.

Speaker 3 (20:51):
Thanks for being with us.

Speaker 7 (20:52):
Think you Bill.

Speaker 3 (20:54):
Let's welcome Chris Kimball. His company is c MG Home Loans. Chris,
Welcome to the show. Thank you, Bill, I'm so glad
to be here. Well, here we are. We're going to
talk a little bit about money at this point, but
we'll tell people first of all about CMG Home Loans.

Speaker 9 (21:09):
CMG Home Loans is a privately held mortgage company. We're
nationwide and it's a fantastic group. Right We've got a
number of products and can don't want to bore you
with a lot of the details, but we're just a
fantastic team and we're all about helping homeowners, you know,
achieve the dream or helping buyers achieve the the dream
of home ownership. So that's really what we're about. You know,

(21:31):
it's helping families. You know, it's one family at a time,
brick by brick, family by family, and right.

Speaker 3 (21:36):
Now, for you know, we always hear people are always
asking about the interest rate. It's always a news item,
the interest rate. It's up, it's down, it's not moving,
it's going to be this. You hear that all the time.
I guess in your world and.

Speaker 9 (21:49):
That's all they ask me is what's the rate. It's
what they want to know is what are rate's doing? Chris,
and I often tell them, you know, they they are.
They're closer to seven right now than they are to six.
But you know, at the same time talking to people
about how you know, well, we'll be refinancing here in
twelve to twenty four months. Well I've been saying that
for three years now. Nobody's really refinancing. We haven't seen

(22:09):
a big drop in rates. So the good news is
those people are tired of sitting on the sidelines and
they are excited about buying again. They see but this
is the new landscape, this is the world that we
live in, and they're ready to buy if they could
afford the house. You know, my job is to help
them really bridge the gap between higher prices and higher
interest rates.

Speaker 3 (22:29):
And right now, as far as geographically are you are
you in one area more than the other?

Speaker 9 (22:34):
Really, Harris County is where the lot of the action
is Galveston County as well, and anything surrounding Baytown. We've
seen incredible growth in you know, Chambers County, Magnolia is
one of your guests mentioned earlier, or Montgomery County, I
should say Fort Bend, of course, and you know, anything
really touching Harris County is exploding. And for a number
of reasons, people are trying to leave the city or

(22:55):
they're moving here from other cities, but they want a
little bit better quality of life. They're tired of living
in the big city.

Speaker 3 (23:00):
And give us an idea of some of the distinctions
that your company may have. And again it's c MG
home Loans, because not all mortgage companies are the same, right, right, right.

Speaker 9 (23:09):
One of the things that we're really trying to do
is help our referral partners and our sellers out there.
There's a lot of competition well, as we know, it's
become sort of a buyer's market out there, and so
what do we do to help our sellers gain a
competitive edge. One of the products that we have is
called list inlock and so well, for example, let's talk
about new home builders. A lot of them are advertising
these below market rates, so they have a number of

(23:30):
ways of doing those and it's pushing out, not pushing out,
but it's making it harder for people that are reselling
their home. Right So this listing lock product allows people
to advertise their home at a below market interest rate.
So if they could, you know, if we're at seven
or six point seventy five, we could advertise something at
five point seventy five, which is a real you know,

(23:50):
eye opener or eye catcher, I guess for buyers out there,
there's something again, lower interest rates help bridge the gap
rather than rather than drop the price twenty thousand dollars
thirty thousand dollars, throw that money at an interest rate, right,
that has a much bigger impact on the payment, right
than just lowering the price. So it's very important to

(24:11):
really understand that. That's how I'm trying to coach a
lot of buying referral partners and people that are selling.

Speaker 3 (24:17):
It's called list and lock.

Speaker 9 (24:19):
List and lock, Yes, sir, exactly.

Speaker 3 (24:21):
Now, how new is that and how long has it
been around?

Speaker 9 (24:23):
You know, we've had over a couple of years now,
and it's become more popular of course because of the
environment that we're in, right, It is a fantastic again,
fantastic system that allows people to lock in a lower
interest rate and a lot of the you know, usual
parameters apply for the buyer. There's things, you know, whether
it be a buyer FHA or conventional, right, we have
different programs or different rates for those types of buyers.

(24:44):
But my point is is that you're advertising. So when
you've got your house listed on the MLS, it's a
much lower interest rate. And again a point can have
a huge impact on a four or five hundred thousand
dollars mortgage.

Speaker 3 (24:57):
Absolutely, and of course that's why everybody's worried about the
right and that's why if it goes down one point
or up, it's a big deal.

Speaker 9 (25:03):
Right, it is a big deal, especially because there's no
more one hundred and fifty thousand dollars homes anymore. You
can't really find much for that unless you know, again
Montgomery's two fifty to three hundred, Galveston County, Lamark, Hitchcock,
those places in master planning communities, you can find it
for that price. I mean, I bought my first house
in South Houston for one hundred and fifty thousand dollars
and you know, ten years later sold it for three

(25:25):
hundred so and then things just got worse or you
know better, I should say, it just depends on what
side of that coin you're on. But prices have continued
to go up quite a bit.

Speaker 3 (25:34):
Let's give people also an idea that as far as
the types of loans that your company would offer, seems
to me there are so many that one of the
keys to success, whether I'm an individual or a family
as to the type of loan is knowing which kind
to get and how do you work with someone to
determine what's the right type of loan? Now, putting aside,

(25:55):
certainly if someone's a veteran, that's kind of a given,
but sure the other different complexities, how do we.

Speaker 9 (26:02):
Sure well, you know, home loans are really the way
we look at them now is to be strategic in
what you're doing. How long do you plan to live here?
Is there possibility you could be transferred?

Speaker 3 (26:10):
Right?

Speaker 9 (26:11):
A lot of larger home buyers one point twos to
one point three's they're looking at seven six arms now, right,
and that's just which is an arm product. And people
were afraid of those for a long time. But in
seven years, you know, the rate's going to remain the same,
but again trying to be strategic, understanding their needs, understanding
what's important to them. I'll be honest. Most loans fall

(26:33):
into you know, a handful of baskets, right, whether it's
V A, f h A, or conventional. But some of
the biggest bigger challenges are for self employee borrowers because
they don't show a lot of income, so they'll come
to us and they're riding everything off in their business
tax returns, which again makes sense. Nobody wants to pay
more money to Uncle Sam, right, so they do what

(26:53):
they can to hold on their expenses and their their
their tax liability. So what they do is they write
everything off. Well, we have banks state mid loans, We
have great programs for investors DSCR, which is another product
that's be gained a lot of popularity here in the
last couple of years. So there's a number of different options.
So just depends on whether it's an investor, somebody buying
a second home, somebody looking to buy their first home,

(27:15):
or move up buyer.

Speaker 3 (27:17):
As far as the difference between someone that's self employed
and then someone that works for a company, does it
is it a certain amount of time, it takes longer
to get approved if I have my own business or
does that not matter?

Speaker 9 (27:30):
Well, we want to see two years of employment really
on either side of that, right, whether you're self employed,
we want to see two years of you owning that business.
If you're a W TWOT employee, we want to see
two years of work history. We can shore that up.
For somebody who's just getting out of college or something
like that, we can use their use their their education

(27:50):
right as part of their part of their their work history,
so to speak. So that's a good way for them.
But self employed borrowers really have they fall into a
lot more scrutiny, right because we know they write things off.
I personally think self employed borrowers are the best borrowers
because they find a way to make it happen, right
W two employees. I mean, let's face it, you could
buy a house straight more straightforward. Yeah, it's more straightforward.

(28:11):
But you could buy a house and be fired from
your job the next day, right, I mean, it doesn't
matter the day after the day after you close, yes
to the day after you close, Yes, sir, exactly. So
that's that's my point. And you know they're they're waiting
for you know, another employer to come pick them up
and bring them along, get them employed.

Speaker 3 (28:29):
No doubt about it. Now as far let's go back
to the well, it doesn't matter really, let's go back
to the idea of down payments because part of the
determining what kind of loan we want, how do we
determine how much down payment or how do you counsel
the individual or family as to well, I could I
could put down twenty percent or I could put down
ten How do we determine that? How do you help

(28:49):
them with that?

Speaker 9 (28:50):
That's a great question, it really is. People think. People
still think you need twenty percent down to buy a
home right and you can buy it, whether it's a
littlest three and a half percent down or an FHA loan.
Fanny and Friday both have three percent down programs that
are geared towards first time home buyers and make it
really easy to get into the home. People say, oh,
PM I, I don't want private mortgage insurance. They say

(29:12):
it's a bad thing. Well, I just explain it to
them like this, If you could hold back twenty thousand
or fifty thousand dollars in trade that for fifty bucks
a month. That's something that's a that's a trade you
would take all day long, right and most people will
refinance here again in a couple of years, most likely
out of an FHA loan or out of a you know,
because we've got building equity. Even with prices sort of
adjusting the way they are. We've got the rising tide

(29:34):
in the bay. It's going to lift all boats and
it will. We'll see values continue to rise here again.
People are moving here from all over and you know,
you think about again my drive to Galveston. You can't
tell where Houston stops and Galveston starts anymore.

Speaker 3 (29:50):
It's amazing.

Speaker 9 (29:51):
Same thing with going north to Conroe, you know, going
going east to Baytown or west to Katie.

Speaker 3 (29:56):
It's building up now. I understand that you in the
Galveston area, Yes, sir, give us an idea word.

Speaker 9 (30:02):
What's going on with Galveston? Well, Gallenger there every day
at least a little bit, Yeah, Gallison's a little bit
of it. An only when it comes to what's happening
in the market right now, they are. There was a
real push during COVID for everybody to buy up. Everybody
was going to become an Airbnb or a BRBO king
and queen and do the management themselves. And it's really

(30:23):
I call it the COVID hangover basically, is really what
it's turned into. A lot of people are not able
to rent their houses as often as they'd like, and
so they've got a second mortgage that they're having to.

Speaker 3 (30:34):
Support.

Speaker 9 (30:35):
And my answer to that is always the same. It's
like oftentimes we'll see we'll see the wife going, yeah,
we'll rent it out all the time, and the husband's like, well,
I want to go there, you know, and so there's
this kind of battle that's taking place before they even
buy the house. But my point is that houses are
sitting down there. It's been in the news a lot lately.
It will continue to adjust, but I think that people

(30:58):
still again, there's twenty million people live within four hour
drive of the beach, so people are going to want
to be at the beach.

Speaker 3 (31:03):
As you live in this area, what is it that
you enjoy the most about just the lifestyle outside of
the mortgage in your work world? What what do you
like about that area?

Speaker 9 (31:12):
You know, I've doing a lot of stuff on YouTube
about that I really enjoy. There's just There's so many
different things to do in Galveston, right people. Some people
see it it's just going to the beach. Some people
love going to the strand some people enjoy the historical
tourism part of it. There's a lot of sports tourism
down there. We're seeing people come run a house for
a week because their kids in a softball tournament, right,

(31:33):
that kind of thing. But what I love most about
it is it is it's very diverse. It's got great history.
We do have beautiful days on the beaches, and it's
just it's a great place to be.

Speaker 3 (31:44):
Chris Kimball CMG Home Loans. Hey, Chris, let's tell people
how they can reach you.

Speaker 9 (31:49):
We can reach me on my Instagram at Kimball Lending Team,
which is ki m B l E Lending Team. You
can also reach me directly on my cell phone at
eight three to two eight six five eight three four
four eight three two eight six five eighty three forty four.

Speaker 3 (32:06):
Chris, thanks for being with us, Thank you so much.

Speaker 8 (32:09):
If you're a real estate professional, then listen closely. Cybercriminals
are targeting our industry. They are impersonating real estate professionals,
home buyers, sellers, and title agents. Their goal is to
gain access to your inboxes, computers, and clients so they
can steal information in funds. Does your business insurance offset
these risks? Not sure? Contact Stewart Insurance to determine if

(32:33):
your business is properly insured. Visit Stewart Insurance dot com
are called eight six six seven ninety eight twenty eight
twenty seven. Visit Stewart Insurance dot com are called eight
six six seven ninety eight twenty eight twenty seven.

Speaker 3 (32:47):
Real Estate matters Well, Stewart Title would not be possible
without our partner, Stuart Insurance. With a focus in real
estate and a special focus on real estate brokers, Stewart
Insurance creates insurance plans to address the risks facing our
industry today. They invest a significant amount of time helping
real estate broker owners offset and manage their risks. Here

(33:08):
he is with Stewart Insurance. John Bramlett, how do you bill?

Speaker 7 (33:11):
Here?

Speaker 3 (33:11):
We are once again, John Show number five seventy. I
think that's fantastic. It's awesome. I'm flies when you're having
fun exactly, And of course it's always fun to talk
about insurance. Well it is.

Speaker 10 (33:24):
Last week we talked about eleven tasks that real estate
office can take on to minimize their cyber risks. And
when we were in that discussion, I had mentioned that
the National Institute for Standards and Technology had established some
protocols that can kind of help kick start that process

(33:46):
of making sure that you're doing everything you can to
minimize the chance of a cyber criminal attacking your real
estate business. So I thought we extend the discussion this
week and talked specifically about those practices that the you know,
the National Standards and Technology Institute offer.

Speaker 3 (34:04):
That's right. Last week the number was eleven.

Speaker 10 (34:06):
Was eleven, that's correct.

Speaker 3 (34:07):
We got a lot of positive feedback on that and
that show very important, very helpful eleven tips right there.

Speaker 10 (34:14):
So today we're going to shorten it to five. Aside
from the National Institute of Standard Technology. Is the first
one is identify, you know, identify the data that you have.
Identify the assets that you have that that may be
affected by technology or the technology may affect, so understanding
what those are and then from that identification, what are

(34:35):
you going to need to do to protect that, So
you know, kind of understanding the situation first, and then
you can establish a game plan or a strategy to
make sure that you can protect you know, what you have,
you know, and then make sure that that those are
all related to the organization's overall strategy and business plan.
So it needs to be part of that discussion, not

(34:56):
an add on. Once you've identified the assets that you
have and and the ways that they need to be protected,
then you just need to implement. So what are we
going to do to protect these assets? What are the
safeguards that we're going to put into place? Are we
going to have multi factor authentication, are we going to
have redundancies? Are we going to minimize the access that

(35:19):
people have to a certain accounts? So once you've determined
this is the issue, you know, this is where we are,
these are the assets that we have, then let's go
ahead and get those protected. Next step would be detect.
So what can we do to detect if an issue
is coming up? So you know it's going to happen
at some level unfortunately, but what can we do to

(35:40):
detect if a bad actor is trying to infiltrate our
system so we can either stop it or we can
minimize whatever damage that they've done. So you know, that's
the part of that idea. Of detecting is you had
mentioned earlier the idea of processes and procedures. So what
are our protocols in place, what are our processes procedures
in case this world happen? And what are the things

(36:03):
that we're doing to minimize that? So that would be
detect Number four is respond, So how do we respond
to anitie if it occurs? You know, do I have
a business contingency plan in place? And if so, is
there a response element for a cyber incident? You know,
who do we notify, what do we shut down? How
do we move forward with this? So you know, having

(36:25):
that plan in place so everybody knows when it occurs
that these are the steps that we take so we
can minimize whatever damage potentially is there. And then the
last one is just recover. What do we need to recover?
Do we have a plan in place that we can
begin to repair and restore? And there ought to be
an element of that recover as to what did we learn,
you know, this is what happened, this is why it happened.

(36:47):
What can we do to make sure that it doesn't
happen again? So those are the ones that we're taking
a look at. So you want to be able to recover, respond, detect, protect,
and identify.

Speaker 3 (36:59):
So many things to think about as always, but it's
so important because in the world, in the real estate
world and other professions, the threats are out there, the
risks are out there, so we constantly have to be assessing,
preparing and protecting ourselves and our companies against these threats well.

Speaker 10 (37:17):
And something like sixty percent of the issues that occur
are occurring through some element of email in filter infiltration,
So it's it's it's a pretty basic way for these
criminals to get into us. They're just sophisticated in the
ways they go about it. So you know, part of
that training and understanding is what to look for and

(37:38):
understanding that, you know, is this an email that I
would normally get from somebody, you know, if there's an attachment,
you know, confirming that that the email and the attachment
are legit before you open it up, because the last
thing you want to have happen is you open it
up and now instead of somebody building an email that
looks like yours, they're actually sending emails that are yours

(37:59):
because they've infort infiltrated your system or now they control
your file. So they've established a ransomware. So if you're
not going to pay X amount of dollars, they're going
to sell your information on the dark web, or or
sell your clients information on the dark web.

Speaker 3 (38:15):
And speaking for myself, we get so many emails. I mean,
it's amazing. And it seems like every now and then
here comes a brand new company, or I think it's
a company. Maybe it's a cyber criminal. Who knows, but
there you are another chain of emails that I'm getting.
It's it's hard to keep your email clean, let alone

(38:35):
be you again to work against the threats.

Speaker 10 (38:38):
And then we're starting to see them in the text
that I've been getting lately is that I have a
toll tag violation there but I haven't paid, and that
that they're gonna, you know, they're going to come after me.
Or for a while it was the I R S
and if you didn't pay by a certain period of
time or uh, it'll be pretending to be one of
the anti virus companies and that you're you're you know,

(38:59):
you're dollar amount is due and if you don't pay
it now, you know you'll be exposed. I tell this class,
and I tell this story on myself in the real
estate liability class that a couple of months ago, I
had several packages ordered by Amazon and I got a
text message saying that Amazon had transferred the delivery to

(39:20):
the United States Postal Service, which they do from time
to time, and that they couldn't find my address so
they needed some information. So I knew that I had
some packages going on, so I start to put in
this information that asked for it. About halfway through, I go,
you knucklehead, you teach classes about this and now you're
doing exactly what they want you to do. So I

(39:40):
erased it all and blocked it. But again, because I
you know, when you if you take a breath and
think about it, Amazon does a great job in letting
you know where they stand if they're going to be delayed,
when it's going to be delivered, and they let you
know via email, and that's the only way that they
let you know. So again I was I got because

(40:01):
I knew that there was a delivery, versus taking your
breath and going, wait a minute, this is not how
they communicate. And the same thing happens to us in
the real estate world. Is you know, is this a
normal way that we receive a communication. Does the communication
make sense? Do I know who the communications is coming from?
So again, it's just taking that step back, that breath

(40:22):
to make sure that we're really paying attention to the details.

Speaker 3 (40:24):
That is what they love when people let their guard down. Absolutely. Okay, So,
and you know I exercise every day. I take my
morning walk. I've actually extended it more. I think I'm
up to four miles now. Anyway, that said, the other morning,
I was thinking about last week's show as I'm on
my walk, and I'm thinking, you know, the threat the

(40:46):
cyber criminals have to be a certain amount of smart, right,
absolutely to be able to do this with the computer
and figure out the plot. But I'm thinking, how smart
can they be? Because if they applied these skills that
they must have to a real job, I mean, they
could get medical benefits, dental, the whole program. So what's
the deal John.

Speaker 10 (41:05):
With their Their intent is different than ours. Our intent
is honorable and supporting our clients and providing value to
the marketplace. And their intent is taking advantage of people
because it's it's an easier it's an easier route and
an easier path.

Speaker 3 (41:19):
Yeah, I like a nice dental and medical. They're just saying.
But that said, what else should we know, John, Well,
if you would.

Speaker 10 (41:27):
Like some help in making sure that your your client,
your company is prepared to minimize the chance of these
exposures occurring. And again, an exposure is simply just the
probability of something bad happening. We can work with our clients,
and we do work with our clients on ways that
they can minimize that exposure. And then if you want
to offset some of that exposure, you know that the

(41:49):
costs that may occur, If you want to offset that,
we can help with that with writing cybercovers. So for
real estate brokers, realtors, property management firms, independent title and
turn agents, we can help with that coverage as well.

Speaker 3 (42:02):
And if someone wants to reach out to Stuart Insurance,
the number is.

Speaker 10 (42:06):
Eight six six seven ninety eight two eight two seven.
And if they're in New York eight six six seven
nine eight two eight two. So the hotline for that
is the hotline Brooklyn Hotline Brooklyn Well. The Brooklyn hegtline
is actually eight six six seven ninety eight two eight
two seven.

Speaker 3 (42:20):
John, Thanks for being with us, always a pleasure.

Speaker 5 (42:22):
Bill.

Speaker 3 (42:22):
As we continue here, he is Mike Snyder. He is
a sales manager here in the North Houston division and
it's great to see him again. Mike. It's been a while,
but welcome back.

Speaker 11 (42:32):
It has been a while. Man, I'm glad to be here.

Speaker 8 (42:34):
Bill.

Speaker 4 (42:34):
It's good to see you.

Speaker 3 (42:35):
Well, it's awesome. But the beauty is since you were
here last a lot of great things. You've been doing
tremendous work out there with the sales team, especially the
northern part of Houston. Let's tell people what's happening and
what they should know about the Stuart team.

Speaker 7 (42:47):
Yeah.

Speaker 11 (42:47):
Sure, So we have been doing a lot with a
north team and you know, we heard today from from
an agent from the North side out in Montgomery County,
kind of that Woodlands, Conroe, Magnolia area. You know, what
we're doing is we're really trying to and they do
a great job. When I say they, the reps do
a great job understanding that market, or understanding the Cyprus

(43:09):
market or Kirby or wherever they are. They understand them market.
They know what's going on there, they're in touch with it.
But beyond that, they're knowing what's going on in Texas
across the state, across the country with real estate and
what their clients need. Those offices are great offices and
they're just trying to do everything they can to make

(43:29):
sure that they're providing value to the agents and a
great experience to their clients.

Speaker 3 (43:34):
And no doubt about it. And one of the great
things I noticed and talk to our business development people
is also the connection to the community, not just the
real estate community, but how the Stuart offices far and
wide and not just here in Houston but beyond have
the connection to the community that's so important as to
being able to serve in a tremendous way.

Speaker 11 (43:55):
And they do a great job with that. There's there
are times you look up and you'll see posts on
Facebook or Instagram and there they got their volunteer shirts on,
and they're out in the community. They're serving food. I
bet we have three or four offices right now with
a box and the lobby taking school supplied donations. And
they just do a really nice job staying in touch

(44:17):
with the community that they live in and work in
and support.

Speaker 3 (44:21):
And also as we think about education as far as
all of us doing our job a little bit better
each and every day. One of the things that I
know you're helping bring forth is some extra education along
the way as we're learning from each other, but also
as we're incorporating new ideas to be able to better
serve the real estate world.

Speaker 11 (44:39):
Absolutely, so I look at education can come a different
a few different ways. One is how our reps are
educating the agents on helping them with prospecting and marketing
strategies and just how to be better at their business.
But themselves, you know, they're constantly learning, Hey, what what

(45:00):
do I need to do to master the industry? What
do I need to learn about the real estate industry
so that when I hear one of my clients or
when I hear an agent, even a buyer or seller
say something, I know what they're talking about and I
can provide resources for that. I can help with that.
And they do it. I mean, they're doing a really
great job of just working on that knowledge, working on

(45:24):
their whatever skills they have to be great professionals, and man,
they're doing an awesome job about that. If you have
not talked to a Stewart sales rep, man, go do it.
Because if you're an agent and you're looking for some
of that kind of help, and you just go see
what they're.

Speaker 3 (45:39):
Like, no doubt, a tremendous resource. Mike, what else should
we know?

Speaker 11 (45:44):
Well, I think right now one of the things we
should know is, and it came up on the came
up on the show today, is kind of the wirefraud part.
And I don't think agents and buyers and sellers realize
how often that happens. It happens a lot. And one
of the things Stuart is doing right now, it's a

(46:04):
new program, it's called a seller verification. So what happens
is kind of the trend right now in fraud is
vacant land scams. And you'll see a vacant property and
all of a sudden, it's got survey flags in it,
and the next door neighbor or the owner of the
property next door will call and say, are you selling
your property? Well, no, I'm not selling my property. Well

(46:24):
there's survey flags in it. Somebody is, and so we
have an ability to verify who that seller is. It's
a remote operation. It's very very inexpensive, and that just
allows an agent to feel comfortable with a potential seller
that they can move forward confidently with this listing, or

(46:45):
do they need to not move forward at all or
find out a few more things in detail. But that's
just one of the things we're doing to make sure
that we're fighting cybercrime and wire and fraud. Whether it's
wire fraud, we will talked about the emails or things
like this. So that's that's one thing we're doing right now.
That is really nice.

Speaker 3 (47:03):
Mike, that's awesome. How can we learn more.

Speaker 11 (47:06):
So you can always give me a call. My number
is seven one three two six one zero four seven two,
and I'm happy to answer all the questions. Seven one
three two six one zero four seven two.

Speaker 3 (47:19):
Mike, Thanks for being with us. Glad to be here, Bill,
and speaking of business development people here she is from
the North Side of course. Hope, Moy Hope, welcome to
the show.

Speaker 12 (47:30):
Hey Bill, it's good to see you.

Speaker 3 (47:32):
Wed Jain once again. Let's tell people about your offices,
Hope that you serve.

Speaker 12 (47:38):
So my offices are in Magnoia and Conro. My Magnoia
office is off of twenty nine seventy eight and fourteen
eighty eight. I have two fantastic ESCRA officers there in
that office. And in Conro it's off of three thirty
six and one oh five and I have three ASC
officers in that office.

Speaker 3 (47:56):
A lot of great people there serving the community in
a tremendus way.

Speaker 12 (48:00):
I would say, over one hundred and fifty years of
experience in both of my offices.

Speaker 3 (48:06):
There's a lot of experience.

Speaker 5 (48:07):
Hope.

Speaker 3 (48:07):
Let's tell people the real estate professionals out there in
your area want to reach out to you. How can
they reach you?

Speaker 12 (48:14):
So you can reach me at three four six two
two four one nine zero eight. Again, my number is
three four six two two four one nine zero eight.
Please give me a call. I'd love to be a
resource for you.

Speaker 3 (48:26):
Great to see you again, Hope.

Speaker 12 (48:27):
Thank you, Bell.

Speaker 3 (48:28):
And now speaking of Galveston, Texas. Here she is developing
business in the Galveston area. Lisa Burris, Lisa, welcome to
the show.

Speaker 6 (48:39):
Hey Bell, thanks for having me.

Speaker 3 (48:40):
Well here you are. You're in the historic office, Lisa, Galveston, where.

Speaker 6 (48:44):
It started, where it all began in Galveston.

Speaker 3 (48:46):
Absolutely, And when you say that, I want to remind
people that may not know we started about how many
years ago three eighteen ninety three in the Galveston office,
and that's right, and you're in that very office.

Speaker 6 (48:58):
I am in that office, so I have to two
offices in Galveston two two two Kempner that is at
our historic location. And then in Jamaica Beach one three
six eight zero FM three five in Jamaica Beach on
the West end.

Speaker 3 (49:12):
Right there with all the activity in Galveston. Well, Lisa,
let's tell people how they can reach you.

Speaker 6 (49:17):
You can reach me at Lisa dot Burris at Stuart
dot com or at four zero nine nine seven four
five to one five three four zero nine nine seven
four five to one five three.

Speaker 3 (49:28):
Lisa, good to see you again. Thank you. And now
Madison Barbosa is back for a final word. Her company
is called the Corp Team. Madison, welcome back, Hey Bill.
Well here we are a final word Madison, as we
close up the show. Here, what should people know about
what you're doing? In both commercial and residential?

Speaker 5 (49:46):
By the way, I think in general, if you are
looking to get some information, maybe you already know what
you want to do, or you don't even know where
to start.

Speaker 4 (49:55):
I'm just here as a resource.

Speaker 5 (49:56):
I've never been the Selz type real estate a agent.
I'm really just here to connect with people and make
sure they, you know, have that support making their biggest
financial decisions.

Speaker 3 (50:06):
That's right, and commercial and residential. Actually, I think just
the idea of being in both of those worlds has
to be a little extra exciting because you're learning so
much as well.

Speaker 11 (50:15):
Yeah.

Speaker 5 (50:16):
Absolutely, I mean my background a little bit came into
play with that. I did go to college for engineering
commercial construction management, so kind of got to play off
that a little bit. And it's been really exciting.

Speaker 3 (50:29):
So awesome. Let's tell people how they can reach you.
Madison Barbosa, you can reach.

Speaker 5 (50:33):
Me at four zero nine eight three four four three
seven seven and again four zero nine eight three four
four three seven seven.

Speaker 3 (50:43):
Thanks Madison, Thank you, Bill, and she is backy Elaine
far Zoo lalaiava Elaina, welcome back.

Speaker 7 (50:50):
Thank you.

Speaker 3 (50:51):
Well, let's tell people here we are closing the show down.
What else should we know?

Speaker 7 (50:55):
I am. My favorite thing is to help first time
home buyers. I like to guide them in the process
because I know it can be very overwhelming, so I
like to go step by step with them and at
the end get them to the closing table and make
them happy.

Speaker 3 (51:12):
Well, and that's a special talent all its own, as
you help so many people, but especially that. What are
some of the things that you do as far as
helping the first time buyers or what are what do
they need the most? What do you feel when you
work with them?

Speaker 7 (51:24):
I make them feel very comfortable. It's not just a sale.
I end up knowing these people years and years down
the line, so I introduce them to you know, my
title people, my lenders to make them feel comfortable.

Speaker 3 (51:39):
Elena, let's tell people how they can reach you.

Speaker 7 (51:42):
You can reach me on social media at Jolena Farzaliva, Instagram, Facebook,
TikTok or eight three two six two two nine nine
five three eight three two six two two nine nine
five three.

Speaker 3 (51:57):
Y Elaina far Zoo Liliava. Yes, thanks for being with us.

Speaker 7 (52:02):
Thank you.

Speaker 3 (52:02):
Bill Here he is Chris Kimball c MG Home Loans. Well,
Chris to you and me. We're landing the plane bringing
the boat back into the dock. What else should we know?

Speaker 9 (52:13):
Man, I really enjoyed our time together today. Bill and
I just just yeah, we just want to let people
know that, you know, buying a home can be overwhelming,
and my job here is to really just make it
as simple and easy for them as possible. Let's let's
have a friendly conversation about what you want to do
and how we can help you achieve.

Speaker 3 (52:30):
Your goals CEE MG Home Loans. How can people reach?

Speaker 9 (52:33):
You can reach me at Kimball Lending Team on Instagram,
Facebook or TikTok, or just call me directly. A three
to two eight six five eight three four four A
three two eight six five eight three four four.

Speaker 3 (52:46):
Chris, thanks for being with us, and thank you all
for listening to real Estate Matters with Stuart Title. I
am your host, Bill Nappick, together with John Bramlett, all
of us. It's Stewart Insurance and Stuart Title. We'd be
honored to be Stewart's of your real estate trends in action.
Simply reach out to us at Stuart dot com. Of course,
for your insurance needs Stuart Insurance dot com. And if

(53:07):
you want to see and hear this show again, simply
go to Stewart dot com Forward Slash Radio. That's right,
we have hundreds of shows right there at Stewart dot
com Forward Slash Radio. We'll see you next week. Thanks
for listening.

Speaker 8 (53:21):
In today's litigious society, it is imperative to have the
proper insurance to offset the many risks facing your business,
especially if you're a real estate broker your errors and
omissions and cyberliability. Insurance can help limit the thread of
these risks if you know what to look for. Not
sure if your insurance addresses the risks facing your business,

(53:42):
contact Stuart Insurance to be confident your brokerage can withstand
these risks. Stewart Insurance eight six six seven ninety eight
twenty eight twenty seven Stuartinsurance dot Com. At Stuart Insurance
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twenty eight twenty seven