A Wife & Husband Team …& more!

Harmony prevails with Samantha & Jay…. Lauren & Todd provide great insight!

Episode Transcript

Speaker 1 (00:00):
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 (00:13):
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 Stuarre 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 once again for show number five
sixty seven. Super real estate professionals abound here today, So
we're glad you joined us here on Real Estate Matters
with Stuart Title. Always check out Stuart dot Org Forward

(01:00):
Slash Radio. That's right, that's where you could not only
hear the show, you can see the show and you
can access all the shows the past several hundred shows.
So let's get down to business as we welcome Samantha
Boustos and Jay Boustos. Samantha is with New American Funding
and Jay owns along with his wife, New American Funding,

(01:23):
and he is a realtort. Guys, welcome to the show.

Speaker 4 (01:26):
Thank you so much, happy to be here, sir Bill.

Speaker 5 (01:29):
Thank you for having us.

Speaker 6 (01:30):
Well.

Speaker 3 (01:30):
First of all, Samantha, let's tell people about your company,
New American Funding.

Speaker 7 (01:35):
All right, So, New American Funding is a retail bank.
We work for the company. We own a branch, my
husband and I and really one of the main reasons
why I picked New American Funding is because of the amount.

Speaker 4 (01:47):
Of products that we have. We have a variety of products.

Speaker 7 (01:50):
We're not here just to help your aplus client, but
we're here to help those that are maybe not fit
in this square. So we can help as low as
a five hundred credit score with ten percent down. Once
they reach five eighty, it then becomes a three and
a half percent down payment, which I love. There's a
ton of loans that have been denied elsewhere that we're
able to save, and we have everything from your faha

(02:12):
conventional VA USDA, but we also have bank statement loans
for those that are self employed that may not report
all of their income on their tax returns, along with
DSCR loans for investors, and just a variety of products
that I really love this company that I work for.

Speaker 3 (02:28):
And Jay, let's tell people your role at New American Funding.

Speaker 5 (02:32):
I work for my wife.

Speaker 3 (02:33):
You know.

Speaker 5 (02:34):
I just execute her ideas and make sure that we're running.
I basically just run the business she brings in the
business I hire, I get everybody on income training, and
make sure that our managers running the pipeline. I'm kind
of like the quarterback in the business right throwing the ball.
They're catching it and making the touchdown. So I'm just
here to help her out. Do you support to all

(02:55):
the l's and being a realtor, it gives me the
experience to pass onto them to make them more efficient,
helping them run a business. And what I mean by
them is like the loan officers that we have and
everybody on our team is I teach them my side
of the business and what's worked for me. So hey,
this is how you hand off the lead, this is
how you follow up, this is what you should be
doing with the people that don't qualify right. This is

(03:16):
the kind of value that you give to a real
estate agent, so you can have that retention and have
continued business.

Speaker 3 (03:22):
And also you mentioned about qualifying. Sometimes people don't qualify
right now, but later I would imagine you counsel and
help get that person ready to go or that family right.

Speaker 5 (03:33):
So we always tell people even if you're not ready today,
I always suggest that you apply so you know where
you stand. If you're not ready, or if you need
to strengthen credit, you need to save money, or we
need to put you on a game plan, at least
you know, right, I could tell you, hey, Bill, you
might want to pay your credit card debt off, but
I might say, hey Bill, you might not have to,
you know, just pay this off. And you don't know
what you don't know. So it's always good to apply,

(03:55):
so you could at least get a game plan to
get you to buying a home.

Speaker 3 (03:59):
And also, in your as a real turk, let's tell
people what you're doing there other than how it helps you.
In the mortgage world.

Speaker 5 (04:06):
So I have a real estate team. I have about
six realtors under me. I help them. You go from
being a realter to running a real estate consulting business.
Right so, I have like assistance, I have a transaction coordinator.
We bring in leads, we have funnels, we follow up
with the past clients that we already have. There's a
system that we have that we try to keep in mind.

(04:27):
I'm sorry, there's a system that I have that I
keep using with my team so they could get business.

Speaker 3 (04:33):
It sounds like you have a lot of irons in
the fire, so to speak.

Speaker 5 (04:37):
Yeah, I do have a lot of irons in the fire.

Speaker 3 (04:40):
Well, Samantha, let's give people an idea as far as
in your role, you're more specialized in the loan aspect.
Give us some idea some of the things that are
out there market trends and things that are happening right now.

Speaker 7 (04:49):
So, I mean, right now, the market is still, like
I said, very well for us, we are we haven't
felt a decline in business right now. I mean, we
are using social media for getting our outreach out there
to the community. But right now, I mean my buyers
specifically have been steady.

Speaker 8 (05:08):
Right now.

Speaker 7 (05:09):
Rates are a little under seven percent. So while the
rates are a little bit higher than typical, and I
feel like a lot of people are still used to
those COVID rates. I still am seeing buyers in the market.
People need to sell, they need to upsize, they need
to downsize. So we're here to essentially solve someone's problem.

Speaker 3 (05:27):
And as far there's so much talk about rates. But
let's take maybe an ideal or close to an ideal
situation where someone has a high in the eight hundred.
It's a higher credit score, So right there, there's one
thing we could do, but that takes a lifetime to
get there. So there's one thing to get the lowest rate.
Correct me if I'm wrong. Wouldn't another thing be is

(05:47):
to put more money down and then have a shorter term.

Speaker 4 (05:51):
Absolutely, how often use it?

Speaker 3 (05:53):
In a shorter term? Would that be a fifteen year mortgage?

Speaker 7 (05:55):
They can go as well as I mean even a
ten year mortgage. But I mean it's not really off.
And to be quite honest with you, the really good
benefit is that a buyer can take a thirty year mortgage.
They can do a fifteen year mortgage if they like.
The interest rate is better.

Speaker 4 (06:08):
On a fifteen year term.

Speaker 7 (06:09):
But the way that I like to advise is if
it makes sense to go fifteen, go fifteen. Otherwise, I
suggest stay at a thirty year term and apply any
more funds that you can allocate monthly towards principle, And
if you want to pay off the loan faster than
thirty years, by all means, do that and over the
life of the loan, you will you know, avoid paying interest.

Speaker 4 (06:28):
So I always try to educate not.

Speaker 7 (06:30):
Only your first time home buyer, but your older you
know generations. And I mean, I have a gentleman right now,
he's in his eighties buying a property, and he, you know,
is living off Social Security income and he doesn't work anymore.
And so I'm like, hey, do a thirty year mortgage
and pay it off in fifteen years, because you know,
at the end of the day, I want him to

(06:50):
have enough funds to have, you know, day to day expenses.

Speaker 3 (06:55):
Wow. So if he's eighty years old, this person, this
person can still take out a third Absolutely, that's amazing. Yeah,
but let's go back to the idea of the thirty
versus the fifteen loan, All things being equal, how much
more different is the rate on a shorter term?

Speaker 4 (07:11):
Is it percent or not necessarily a percent?

Speaker 7 (07:14):
I ran the numbers actually prior to this meeting, he
was at twenty two hundred on a thirty I mean
on a yeah, on a thirty year, he was at
eighteen hundred, and on a fifteen year he was at
twenty two hundred.

Speaker 3 (07:24):
So but as far as percentage rate, I wouldn't.

Speaker 4 (07:27):
There may be a percentage.

Speaker 7 (07:28):
I'm not necessarily sure what that percentage would be, but
I would say the difference would maybe be five hundred
dollars give or take.

Speaker 3 (07:35):
Well, Jay, give us an idea. Your wife knows a
lot about the loans I could tell right now. And
the beauty is she she put out all the different
at least touched upon so many different kind kinds of
loans and ways to help people. What are some of
the things that we should know.

Speaker 5 (07:51):
So I've been doing this for a little bit over
ten years. The market's always going to change. So there's
two things that are always going to happen with the
real estate market. Home price are going to go up,
and the interest rates are going to change. So I
always tell people, hey, buy right now. If the rate
gets higher, then you bought when it was at a
great rate. If the rate gets slower, you can always refinance.
I think right now buyers are adjusting to the new rates.

(08:13):
Everybody thinks that they're higher because they're not three percent anymore, right,
but they're actually back to normal what they were. You know,
ten fifteen years ago, they were a lot higher. Actually
they were at nine percent. So now buyers are adjusting
to the rates. Sellers are bringing down their expectations where
you're not seeing as many multiple offer situations, you don't
have a lot of bidding wards like how we did

(08:34):
a couple of years ago. And by lowering the expectations,
buyers can take advantage of like closing costs, and you know,
sellers are still paying buyer agent commissions and things like that.
So we're very big on educating the client, giving them options,
putting them on a game plan, and telling them, hey,
maybe this might not be your dream home right now,
but buying this house could set you up for your

(08:55):
next purchase by having equity. So we always encourage everybody
to buy and just pass some information. Like I said,
even if they don't qualify, we follow up. We put
them on credit repairer, We check in with them, and
once they're ready, we reach back out to the realtor.
And that's the that's the value right there, like, hey,
we took your lead. Maybe you didn't follow up, but
they're ready to go.

Speaker 3 (09:13):
But okay, stepping aside from the mortgage role that you're in, Jay,
you're in realtor as a realtor and mortgage. As far
as being a realtor, how often are you running into
cash buyers? Let's say, out of the you know, out
of the last fifteen or so transactions that you've been
familiar with, how often you see cash buyers out there?

Speaker 5 (09:33):
It happens quite often. A lot a lot of people
are still moving from out of state. Were the fourth
largest city in America, So you have people who want
to lower their living expenses and they're selling houses in
other states where the home prices are a lot higher.
Maybe mom or dad gave them a house and perfect example,
I had this one guy who just moved down here
from California. They sold a million dollar house, came down
and bought a house cash right, And I was like, man,

(09:55):
where are they getting all this money from that? Like
when we sold our house right? So we're seeing the
a lot of those people who are moving from out
of state, A lot of people like Austin, I think
they're living expenses a lot higher than we're at right now.
We're still behind the national average.

Speaker 6 (10:09):
Right.

Speaker 5 (10:09):
It's a great place to live. You can go out
to the suburbs. You can get a great house for
you know, three hundred and fifty four hundred and five
hundred thousand dollars.

Speaker 3 (10:16):
So as far as your real estate activity, geographically, where
you can go all over Texas, of course, But geographically,
where have you been lately the most?

Speaker 6 (10:25):
The most?

Speaker 5 (10:25):
I would say the West side of Houston. I live
in Katie, so I love doing business, you know, Central
anything on the west side, you know, but I have
people on my team. If you want something on the
south side, east side, at Tahassee to Conroe, we got
somebody for you. We don't turn nobody down.

Speaker 3 (10:39):
And Samantha, in this world of real estate and real
estate professionals, the's realtors, mortgage people, there are a lot
of husband and wife teams, and every once in a
while we find it, we say, what, how can you
be successful? What makes you guys successful? In your opinion,
Samantha can do so well and be harmonious and effective
in the marketplace. What's your secret?

Speaker 7 (11:00):
I think both of us are on the same page.
We get the social media.

Speaker 4 (11:03):
Aspect of it.

Speaker 7 (11:04):
We like he's the left side of my brain. He
actually is the one that creates like the social media
content and he'll give me the ideas. So I think
we're yin and yang when it comes to that. And honestly,
I feel like we haven't lost our values, like in
our marriage, where like business is fun and that's the
way that it's going to be and our marriage is separate.
And so that's how we met. We met through real estate.

(11:25):
So for us, it works. He understands the working hours.
Like I said, he helps me manage the branch we
have over twenty. We have about twenty employees, and so
it's a lot when I'm producing. I produce about sixty
to seventy million a year by myself, and there's no
way that I can do the hiring, the firing, the onboarding,

(11:46):
the getting the equipment out, the running the finances. So
he does all of that while I focus on really
helping out you know, our first time home buy, our
VA loan, you know, things like that. And so for me,
like it one hundred percent makes sense because he takes a.

Speaker 3 (11:59):
Lot off of my plate, takes teamwork to make the
dream work.

Speaker 7 (12:02):
Jay, what do you think about all and who wouldn't
you trust more than your husband?

Speaker 3 (12:06):
Like makes perfect sense, right, Jay?

Speaker 5 (12:08):
Yeah, I'm obsessed with what I'm doing. As far as
like work, I'm so infatuated with it. I love it.
I become obsessed with like big houses, land, opportunity. Just
my mind's always going and my wife lets me make
the decisions, right. I kind of just run it by her, Hey,
what do you think it's cool? And then it works.
My wife doesn't really want to think. She just wants
me to kind of do and I run it by her.

(12:30):
But I love working with my wife. Sometimes it can
get a little crazy because you spend so much time
together and we do talk about, Like man, all we
do talk about is work, but.

Speaker 4 (12:37):
We love it.

Speaker 5 (12:38):
I love work, and I love that I get to
work with my wife. I love that this business brought
me to meet my wife and.

Speaker 4 (12:45):
It allows more opportunities.

Speaker 7 (12:46):
We have multiple air and bnbs, We have land that
we owned, so we really use the mortgage industry for
the next thing. So you know, we don't want to
work forever. Now We're focused on how can we retire,
So multiple airbnbs, we have multiple lands, building house building houses.
So things like that that offer opportunity for our marriage

(13:07):
sound nice, good.

Speaker 3 (13:08):
To it sounds super fun, Samantha, let's tell people how
they can reach you, so you can.

Speaker 7 (13:13):
I encourage you all to follow me on TikTok Instagram.
I actually go by Lady Lender. That's where I promote
not only you know, products that we have, things like that.
And then also you can contact me on my direct
cell phone at two eight one nine seven four.

Speaker 4 (13:28):
Eighty one eighty one.

Speaker 3 (13:30):
Number again is.

Speaker 4 (13:31):
Two eight one nine seven four eighty one eighty one.

Speaker 3 (13:34):
And Jay, let's tell people how they can reach you.

Speaker 5 (13:36):
Y'all could google me. I'm on Instagram, TikTok YouTube, I'm
everywhere at j boostos, Jay Underscore, boostos, b U S
t O S. You can also reach out to me
on my cell phone. I'm always available eight three two
five four two four zero three seven eight three two
five four two or zero three seven. And if you're

(14:00):
still driving and you want to get the number again,
it's eight three to two five four to two four
zero three seven.

Speaker 3 (14:06):
Sow go give them a call. Thank you guys for
being with.

Speaker 4 (14:09):
Us, Thanks for having us so much, driving us.

Speaker 3 (14:12):
As we continue, Let's talk to Lauren Silva. She is
with Remax Crossroads. Lauren, welcome to the show.

Speaker 9 (14:18):
Thank you for having me.

Speaker 6 (14:19):
Bill.

Speaker 3 (14:20):
Well, here you are Remax. Everyone's heard of Remax. Let's
tell people about your particular office, Remax Crossroads.

Speaker 10 (14:27):
So Remax Crossmoads Realty is located in Santa Fe. I
do have most of my business more in the Brazoria
County towards the Angleton area, but I do personally serve
Brazoria County as well as Galveston County.

Speaker 3 (14:43):
And for people that are listening, let's say from out
of the state or something. When we say Brazoria County,
directionally give us an idea where that is in the Houston.

Speaker 9 (14:51):
So that is directly south of twenty eight.

Speaker 10 (14:53):
From Houston, you just go directly below the Houston area
and then towards the Gulf Coast.

Speaker 3 (15:00):
We're getting closer to the golf all of a sudden, Lauren,
I don't know why, but I'm thinking about seafood.

Speaker 8 (15:05):
Yes.

Speaker 11 (15:06):
So.

Speaker 3 (15:06):
And also, you have been a realtor I understand for
about twenty years, is that right?

Speaker 10 (15:10):
Yes, I started in two thousand and six, right out
of high school. I had a little bit of a
hiatus for about four months and then decided to go
ahead and jump into real estate, as my whole family
does have investments, so it's kind of what I was
brought into and decided to go what I know.

Speaker 3 (15:28):
So right there, high school to real estate and here
you are. What do you love so much about real
estate that you're there twenty years and still going strong?

Speaker 10 (15:38):
I can tell you from experience, no day is the same.
There is always something different, There are different obstacles to overcome,
and getting to learn the different circumstances and unique qualities
of each person of my clients is it makes it
really interesting and keeping going about it.

Speaker 4 (15:56):
Yeah.

Speaker 3 (15:56):
And then as far as the marketplace, certainly you go
all over for Houston if need be, but it sounds
like you're focusing on that south east we'll call.

Speaker 10 (16:04):
It, yes, yeah, Southeast Court of Houston market.

Speaker 3 (16:08):
And what's the market like there? Now?

Speaker 9 (16:10):
It is popping off right now?

Speaker 10 (16:11):
Everyone is moving since there is a break from the schools,
everyone is starting to move. And this is honestly the
biggest boom because the indicator is that everyone's off and
ready and moving around.

Speaker 3 (16:24):
You use the term boom, so it's a for real
boom right now.

Speaker 10 (16:28):
I feel like in our market it's definitely moving and
booming a lot more than what it was from the
beginning of the year. So to me, it feels like
a boom because it was a little bit more dormant
at the end of last year and beginning of this year.

Speaker 3 (16:42):
Sounds pretty good. So right now, Lauren, are you helping
more buyers or sellers?

Speaker 10 (16:46):
So ironically, sixty percent of my business is both because
I help and coordinate for my clients that are moving
out of their current home and moving into a new one.

Speaker 9 (16:58):
So I help established that.

Speaker 3 (17:01):
And would you say, in the southeast area of Houston
that you're serving the most, is there one suburb or
town that is the most popular.

Speaker 10 (17:11):
Well no, yeah, Well, let's say off of twity eight
there is a lot of building going off. There is
Highway ninety nine that is starting up on construction, so
places like Meridiana, all the new subdivisions that are coming
into Mamble. I can think of five off the top

(17:32):
of my head that have started in the past few years,
and all of them just keep growing. So there is
a lot of new construction. It's definitely starting to boom
into that.

Speaker 3 (17:43):
Well, interesting that I see how ninety nine has affected
the west side of town and certainly going west to
north and a little bit south. But there's going to
be a major impact when ninety nine is completed. And
I don't know, do you have any idea what are
they projected?

Speaker 9 (18:00):
I do.

Speaker 10 (18:01):
I actually went to a meeting that was with the
Texas DOT. They went over their five year term that
they are looking into. They said that they are starting
bids the end of this year, they are going to
start the actual construction in twenty twenty seven, and that
it would be ideally a five year term. Though we

(18:22):
know how that can work out, but those that.

Speaker 3 (18:25):
Are investors, visionaries can already be they're probably already putting
plans together to harvest some of the great opportunities that
will happen as a result of completion years down the road.
It's going to be.

Speaker 10 (18:38):
Fastest, definitely, And I do know that there's just a
lot of talk between towns that are going to be
directly affected from north of Angleton. Alvin area especially is
having a lot of talk of what do we do?
Are we going to stay? Are we going to hit
through all of the construction for the next five years?
Is this where we want to be do we want

(18:59):
to move? So there's a lot of chatter right now,
and I mean, of course there's concern for that, but
I do believe that real estate in that specific area
of Brazoria.

Speaker 9 (19:09):
Is going to have a lot of change.

Speaker 3 (19:10):
Yeah. How often do you get to Paarland almost daily?
I mean that's kind of in the same zone that
you're in, right.

Speaker 9 (19:17):
Oh definitely. Yeah. I go to Paarland for Costco so
and AHB.

Speaker 3 (19:22):
One of my favorite stores, both of two of my
favorite stores. Actually, yeah, I love Costco. So that's going
to be great. So as far as the cash buyers,
are you running into the cash bire at all?

Speaker 10 (19:34):
Not as frequently myself. I do have a client that
is moving from New York and he is a cash buyer,
and I can kind of go off of what was
said earlier that you know, what we have for our
home value II is here compared to others, especially in
the North, the value is just so different. So someone
that's like, hey, I want a second home here in Houston,

(19:57):
They're going to come down here thinking that you know,
two to three million isn't going to be much. When
you get here, you get the whole platter. You get
every type of lifestyle down in one property that they
can imagine. So that particular client is pretty stoked.

Speaker 3 (20:13):
Curious what part of New York the city or one
of the upstate New York or.

Speaker 9 (20:17):
What he said, the city.

Speaker 3 (20:19):
Yes, that's going to be a whole different change different.
Oh yeah, massive change either way you're going if you're
going here to New York vice versus So, yeah, it's
a different place. So as far as other people, are
you helping other people that are from afar, other states,
other cities.

Speaker 10 (20:33):
In the past, I have had quite a few that
were moving from Dallas soo north of Texas coming into
the area. I do have quite a few snowbirds that
have made their way down to the Gulf looking for
specific properties that are on the water or at least
across from the beach.

Speaker 3 (20:51):
And as far as being in real estate for twenty years,
Let's say someone happens to be listening here to the show,
they're thinking about being a realtor, they just got their
life since or maybe they're into it a year. Give
us a word of advice. How would you advise a
new realtor or a semi new realtor maybe one or
two pieces of information.

Speaker 10 (21:10):
I would treat it like a job and not something
that you can just move in and out of fluidly
without any consequences. I can speak to that personally on
my own levels, but I also have had a team
in the past where they kind of wanted to do it,
but it wasn't really given as a full time job.
So making sure that you have the checklist that you

(21:31):
have to do daily and having those action steps that
you do continuously is going to make the biggest difference.

Speaker 3 (21:38):
And as far as your career in the twenty years
when you first started, you had to get started right.
At what point in your early beginnings did you recognize
that all of a sudden you had traction to where
it's like, okay, I could see this happening. I mean,
how long did that take? A year or two? And
how did you feel when you got that traction? You

(22:00):
know what I'm talking?

Speaker 9 (22:00):
Oh, definitely, definitely.

Speaker 10 (22:01):
So on a backstory of that, I went into Remax
in two thousand and six, two thousand and seven. I
kind of was naive to be sane at the nicest
and it just didn't happen for me at that time.
So I went into multifamily and helped a lot more
on the rental side of things. Jumping back into it

(22:22):
in twenty fourteen, I definitely wanted to make sure that
I set myself a plan and that I did what
I needed to on a daily to make it happen
for myself, giving it my best go on the second try.
Obviously a little bit older, hopefully a little bit wiser.
But what I did learn is whenever I went into
Remax the second time, I had a lot more people

(22:45):
that were behind me helping me along the way. There's
a huge difference when you're push into a cubicle on
the side and not spoken to, rather than having, you know,
three hours a day having classes learning.

Speaker 9 (23:00):
It's a big difference.

Speaker 3 (23:01):
We're talking with Lauren Silva with Remax Crossroads. As far
as social media, Lauren, I mean, just think about it
and again, going back, I don't know, twenty years, fifteen
years there we were even talking about social media, right,
but how do you use today these many years later?
How do you use social media? And what do you
like the best witch platform or platforms?

Speaker 9 (23:23):
So I'm finally leaning into YouTube.

Speaker 10 (23:26):
It was always a grander idea and never really just
went off with it like I needed to. But I
have been more consistent with my videos on YouTube. So
I do have my YouTube channel as well as on
any other platform. I am on all of Facebook, Instagram,
all of that. So my handle is Lauren Silv Cells.

(23:48):
You can find me on all platforms with the same
Lauren silv Cells. And if you see me around town,
just wave. I do have a big white expedition with
my face on the side of it. You'll see me
period out of a balloon. So I do try to
make sure that people see me and know that I'm
in real estate and I'm here to help.

Speaker 3 (24:07):
And on the vehicle that you drive, does it say
Lauren Silva Cells.

Speaker 4 (24:11):
Of course it is.

Speaker 3 (24:12):
I was gonna say, I.

Speaker 9 (24:14):
Have no opportunity to missed over here, Lauren.

Speaker 3 (24:17):
That has a nice rink to Lauren Silva Cells. Lauren.
Before we close this segment, what else do you want
people to know?

Speaker 10 (24:24):
I think that it is best to look at real
estate as an investment, know that it's something that you
can use for you, your family and growth in the future,
and having the right partner, the right team behind you
will take you a long way.

Speaker 3 (24:38):
Lauren Silva Lauren Silva Cells. Lauren, how can they reach you?

Speaker 10 (24:43):
You can reach me at any platform, Lauren, silv Cells,
or you can reach me personally on my cell phone.
It is eight three two five six one nine eight
three three, and it is again eight three two five
six one nine eight three three and again A three
two five six one nine eight three three.

Speaker 3 (25:05):
Warren, thanks for being with us, A.

Speaker 9 (25:07):
Thank you for having me.

Speaker 3 (25:07):
Bill. Let's talk to Todd Robertson. He is with Texas
Loan Pros. Hey, Todd, welcome to the show.

Speaker 6 (25:15):
Hey Bill, thanks for having me.

Speaker 3 (25:17):
Well, it's great to see you, Todd. Let's tell people
about your company, Texas Loan Pros.

Speaker 8 (25:22):
Yes, sir, Texas Loan Pros. So we, uh, we've been
around for about a year. We are a branch of
another company called Vintage Home Loan that has been around
for quite some time, and I decided to start my
own branch and we chose the name Texas Loan Pros.
It kind of flows seeing that we're in Texas and
we do loans as a professional. That has a nice ring,

(25:44):
a nice ring to it, you know, So we just
kind of combined it all into one thing there. But
we are a we're a wholesale lender. Basically, what hostsale
lender means to people is that we have a lot
of variety of different lenders that we can choose from
for every top of loan imaginable. In addition to that,
they're always competitive with each other to see, you know,

(26:04):
who's going to give out the lowest rate at that
particular time. We're not tied into just our company when
it comes to interest rates.

Speaker 3 (26:13):
So it gives you and for your clients a lot
of flexibility and you're able to help them in that way.

Speaker 5 (26:19):
Absolutely So.

Speaker 3 (26:20):
As far as the geographically where you're serving the most,
where is that?

Speaker 8 (26:24):
So for me, the most of my business is on
the north side, northeast side of Houston. Tomball to Kingwood
is probably ninety percent of my business. We've been branching
out quite a bit. I do a lot of education,
so I team up with Stuart Title and I do
do some educational classes, treks ce classes, and we're trying

(26:47):
to get to more and more of those Stuart Title
companies to be able to spread the word a little.

Speaker 3 (26:52):
You know, as we think about all the areas of Houston,
but certainly that north side it's really expanding and growing
in a tremendous way.

Speaker 8 (26:59):
Absolutely, And the area that I live in, it's it's
kind of that ninety nine forty five area. And when
I moved into my house, there was no ninety nine
and you know, it was called Riley Fuzzle and there
was nothing on there. Now we've got every grocery store,
every retail company, you know, big huge movie theaters, new
neighborhoods going in. It's just becoming crazy. You know, everything

(27:23):
in Houston likes to grow out, you know, get further
and further out, and they just keep I can't wait
for the next loop. Well it's gonna it's gonna go
through Brenham and you know, down through Saddleston.

Speaker 3 (27:33):
Well I've said not lately, but Houston's like the planet Saturn.
There's so many rings around it. And actually they're they're
quite efficient, I think in terms of the traffic that
it's it's able to handle one of them. You have
an interesting background, but one of the things is you're
an author. The book is called The Veteran Advantage by
Todd Robertson there it is right there tell us about

(27:55):
the book.

Speaker 8 (27:55):
Todd, So, being a veteran myself, when I first bought
my home. I was talked out of the V loan,
and this was back in two thousand and five.

Speaker 6 (28:07):
Didn't know why.

Speaker 8 (28:08):
The guy said, oh, it's a better loan for you,
we can get more seller concessions, etc.

Speaker 6 (28:11):
Etc.

Speaker 8 (28:12):
And then later on I found out that he did
it so he could charge more money for himself and
put it in his pocket. And so when I became
a loan officer, I said to myself, I need to
do something to educate people because there's a lot of
misconceptions out there about the VA loan on the realtor side,
and there's also not a whole lot of education for
veterans about the VA loan as well. So I wanted

(28:35):
to make sure that we could put something out there
that would help people better understand it, because it is
absolutely the best loan program available.

Speaker 3 (28:44):
Would it be safe to say there's probably veterans out
there right now that don't know that they have this advantage,
let alone some of the other advantages that veterans have.

Speaker 8 (28:53):
That's a lot of the misconceptions. Number one, when we
get out of the military, they don't sit us down
and go, hey, let me tell you about your home
loan benefit. You know, you have to just go through
what you hear and what you know. Well, if you're
tied into a loan officer or wilter who doesn't understand
or maybe had a bad experience way in the past
with the v a loan, it's usually not talked about.

Speaker 3 (29:16):
And which branch of the service did you serve?

Speaker 8 (29:19):
I was in the US Army, Army, National Guard, and
Army Reserves.

Speaker 3 (29:23):
Well, thank you for your service, Todd, and a veteran listening.
We think you can't do it. We can't have a
country without veterans and people willing to serve, no doubt
about it. We honor them and we honor you here
on this segment.

Speaker 8 (29:35):
Todd or Bill, you know you know the definition of
a veteran, I do not. Definition of a veteran is
someone who has written a blank check to the United
States Government for the amount up to and including their life.

Speaker 3 (29:46):
That's right. As far as the veteran advantage, right now,
give us an idea of bullet points as far as
what are the advantages if you're a veteran and you
want to have a veteran loan.

Speaker 8 (29:59):
Absolutely so. Number one, it's zero money down, no downpayment.
You do have closing costs that a lot of times
your your realtor can you know, negotiate on your behalf.
The second biggest thing is it's going to have a
great interest rate associated with it as well. A lot
of the misconceptions out there are that you can only

(30:20):
use it one time, or you can only have one
VA loan at a time. These are misconceptions that I
run into a lot. So we're happy to let veterans
know that you can use it, you can use it
more than once, and you can have multiple VA loans
open at more than one time.

Speaker 3 (30:38):
And when you say that is the loan, is the
rate better than irregular? And if so, by how much it's.

Speaker 6 (30:44):
Better than conventional?

Speaker 8 (30:46):
It's usually better than FAHA and USDA, but not not
a ton. We're not talking you know, a percentage.

Speaker 3 (30:52):
It's not a percentage, right, A.

Speaker 8 (30:54):
Lot of times we're talking about an eighth or a
quarter on the interest rate.

Speaker 3 (30:57):
But also, so you're specialized and you help the vetter,
you have the book the Veteran Advantage. If someone wants
to get one of these books, Todd, what should they do?

Speaker 8 (31:06):
So go to my website. It's Todd Roberson author dot com.
Roberson is spelled rob E R s O N.

Speaker 3 (31:16):
And one of the things whether it's the Army Marines,
I would think, and I thought this as my son
was coming up, is that if you serve in any branch,
I think just the rigors of what I imagine I
did not serve, but the riggers of being in the
military and how you learn to follow, how you learn
to lead, gives you special advantage in advantages in life

(31:39):
no matter what you do. So as an Army veteran,
here you are in the business world these many years,
give us an idea how your army experience, your military
experience helps you today and has helped you since you've
been out of the military. In business, well, in two ways.

Speaker 8 (31:56):
One is going to be, you know, your focus, your
dedication into something, your ability to start a project and
finish that project.

Speaker 3 (32:07):
You're on a mission.

Speaker 6 (32:08):
You're on a mission. That's what we do.

Speaker 8 (32:10):
The other is going to be, you know along the
lines of you know, you're not lazy in your business.
If you're if you're going to do something, do it
one hundred and ten percent. Make sure you get it done,
don't procrastinate, don't put things off. If you've got something
in front of you, attack.

Speaker 3 (32:27):
It and todd other than veterans. Now you're helping everybody.
We're talking here about veterans, however, just regular people that
are not are not veterans, give us an idea some
of some of the things they need to think about
and get ready for when they were going to call
you for a loan.

Speaker 8 (32:44):
Well, I think one of the things is there's so
many different loan programs out there.

Speaker 3 (32:50):
That it's confusing.

Speaker 8 (32:52):
It's confusing. And you know, most people when they start
to look for a home, their first phone calls to
a realter and the realtor is the first thing out
of their mouth is going to be have you contacted
a loan officer? And are you preapproved? And so sometimes
people kind of put the carriage before the horse. So
it's always good to contact that loan officer first find

(33:13):
out what's out there for you. There are so many
different things for different walks of life, different people, different
incomes that I couldn't I couldn't list them all in
this timeframe.

Speaker 3 (33:25):
So as far as again, if I'm not a veteran
and I want to get a loan for myself, let's say,
what are some of the when should I contact you
to start the process.

Speaker 8 (33:34):
The moment after you have a thought that you want to.

Speaker 3 (33:36):
Buy a house, So they'll be prepared.

Speaker 6 (33:39):
Huh, be prepared because.

Speaker 8 (33:41):
A lot of people will apply and they learn things
about you know, they're a situation or their credit that
they weren't even aware of.

Speaker 3 (33:49):
Yeah, that's like a surprise that along the way, exactly.

Speaker 8 (33:52):
And sometimes things need to be worked on. So you
might say, well, I'm not going to buy a house
for another month. I'll wait, and then you apply and
then you get told something that's going to slow you down.
So obviously you know you want to You want to
know about that as soon.

Speaker 3 (34:06):
As possible and as far as right now. Business wise,
how do you see the marketplaces? How is it for you?

Speaker 8 (34:11):
The market for me is is always active. I'm a
I'm a referral loan officer, so it's it's real estate
agents and past clients that keep me busy. I barely
can go on vacation.

Speaker 6 (34:25):
But I do.

Speaker 3 (34:26):
But you got to sometimes and they.

Speaker 8 (34:28):
Let me know it every time I go. They're like, really,
another vacation ton and it's only two a year.

Speaker 6 (34:34):
That's not bad.

Speaker 3 (34:35):
Rightly, I think you need to take some more time
off Todd just saying we're talking.

Speaker 6 (34:40):
You know, absolutely sorry, go ahead, Bill.

Speaker 3 (34:41):
We're talking with Todd robertson what else should we know?

Speaker 6 (34:44):
Todd, you know, don't be shy.

Speaker 8 (34:47):
You hear a lot of times in the market people
are kind of, oh, I'm going to wait for rates
to go down. Oh I'm going to see what happens
in the housing market. And and that time of of
being impatient or putting things off. The house price is
going up. Rates are what they are. You know, you've
heard the expression, you know, marry the house date.

Speaker 6 (35:07):
The rate.

Speaker 8 (35:07):
I like to say the price of the house is permanent.
The rate is temporary because that can always change and
you can always change into a better interest rate as
they adjust. So in that time the house is appreciating
in value, you're building wealth. You've got a lot more opportunities.
You're renting, You're you're buying a house anyway, you're just

(35:28):
buying it for somebody else.

Speaker 3 (35:30):
Todd. Let's tell people how they can reach you.

Speaker 8 (35:32):
You bet my cell phone number. It's going to be
two eight one seven three to one nine four five
four two eight one seven three one nine four five
four And.

Speaker 3 (35:46):
If they want to pick up the book The Veteran Advantage. Again,
what's the process?

Speaker 8 (35:51):
That is Todd Roberson, author dot com and you can
also google me. Is Todd Roberson, the loan Soldier, l
O A N. Todd Robertson, the loans Soldier.

Speaker 3 (36:06):
That sounds good, Todd. Well, thanks for being with us, Todd.
One more time. The phone number is.

Speaker 8 (36:11):
Two A one seven three one ninety four five four.
Thanks Bill, appreciate it. And again it's Todd Robertson, author
dot com. Phone number to A one seven three one
ninety four fifty four.

Speaker 3 (36:24):
Todd, Thanks for being with us, and thank you for
your service in the army.

Speaker 6 (36:28):
Appreciate your sport. Thanks Bill.

Speaker 11 (36:30):
If you're a real estate professional, then listen closely. Cypercriminals
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?

Speaker 2 (36:50):
Not sure?

Speaker 11 (36:51):
Contact Stewart Insurance to determine if your business is properly insured.
Visits Steward Insurance dot com are called eight six six
seven ninety eight, twenty eight twenty seven. Visit Stuart Insurance
dot com. Are called eight six six seven ninety eight
twenty eight twenty seven.

Speaker 3 (37:06):
Real Estate matters with Stuart Title would not be possible
without our partner, Stuart Insurance. With a focus in real
estate and a special focus on real estate brokers, Stuart
Insurance creates insurance plan 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

(37:27):
he is with Stuart Insurance and President of the h MBA,
John Bramlett.

Speaker 12 (37:34):
Thank you, Bill, thank you, thank you.

Speaker 3 (37:36):
They get the letters right, Johnson SUSA. Mix them up
with age, Yeah, that's right.

Speaker 12 (37:39):
Yes, Houston Mortgage Bankers Association.

Speaker 3 (37:41):
Yeah, well, mister president, welcome to the show.

Speaker 12 (37:43):
Thank you, sir. I appreciate that. Genia Fleck. When I'm done,
if you don't mind, I usually do, okay, thank you.

Speaker 3 (37:49):
So here we are as always bringing tremendous insurance insurance goal.
As I like to say sometimes on the Facebook post, John.

Speaker 12 (37:57):
Well, I appreciate that, Bill, and congratulations on show five
sixty seven. Can you imagine that's fantastic, It's just rolling along.

Speaker 3 (38:04):
It seems like it was only yesterday, and we see
people that have been on the show multiple times. As
we're out there in the world and events and so forth,
I see people that were in the first one hundred
shows years ago.

Speaker 12 (38:15):
No, it's really fantastic, fascinating, not only the number of
guests that we've had, but the size of the audience
continues to increase, it.

Speaker 3 (38:22):
Continues to grow, the quality the content. It's just fascinating
and so much so that I want to be here
again next week.

Speaker 12 (38:30):
I do too. I'll see you here, We'll.

Speaker 3 (38:32):
See you here. But in the meantime, it's insurance time.

Speaker 12 (38:35):
So yeah, from time to time, I think it's important
that we share how we can support our listeners. So
for those that are individuals that like the show and
are just interested in real estate, we can work with
those individuals and families on their personal insurance. So whether
they need you know, home insurance or auto flood when
you know, a motorcycle, watercraft, investment property, we can work

(38:58):
with them on variety of plans that best seats their needs.
At this time. As a independent broker, we have access
to a variety of companies, so we can work with
though with our clients to make sure that whatever plan
we build, whether it's very conservative or very robust, we
can build a plan based upon what those clients' needs are.
So that's one way if we're dealing with folks in

(39:20):
the business, So whether it be a real estate broker
or a realtor a lender, a title attorney, agent, a
property management firm, we can help them with their business
insurance coverages so airs and emissions, or cyber liability, commercial property,
general liability, property workers, comp lawyer's professional liability, commercial auto
of bonds. We can work with those real estate businesses

(39:43):
to help them make sure that they are properly.

Speaker 3 (39:45):
Insured doing so much tremendous work out there. And I'm
glad you mentioned the different types of insurance that you're offering,
because sometimes people hear about insurance. Oh well we represent
a company for insurance, they think home auto. Yeah, that's
all great, but Stuart insurance home auto, of course. But
you specialize in the real estate realm doing tremendous work exactly.

Speaker 12 (40:09):
So I mean, you know, we find that sometimes depending
upon where we've met somebody, they may just assume that
we only do personal insurance, or depending where we met
an organization. They may assume that we only do business insurance.
But we're fortunate enough that while the focus is on
real estate and we do want to be the insurance
resource for real estate, our job is to make sure

(40:30):
that people are properly insured better. And whether that be
a business in the real estate realm or an individual
or family, that's you know, the driver that we have.

Speaker 3 (40:39):
The spectrum is broad.

Speaker 12 (40:41):
Yes, the spectrum Madrid, but in a sense it's also
very narrow then that we're you know, we're not working
with a restaurant to help them be insured. We're working
specifically with their real estate business. And then on the individuals,
what makes sense for that family or that individual for
their personal insurance.

Speaker 3 (40:58):
Sometimes we think in fact, insurance renewals come up more
often than we like. In fact a year, it makes
us realize how fast the year has gone by. But
I got my insurance renewal and it is let's say
it's over three thousand dollars and that's a good price, right.
I was in a little town last week with eight
hundred people in the mountains of New Mexico. And sometimes

(41:22):
my point is we think that here in Houston, we're
paying a premium because of the storms and all this
stuff here in this little mountain town. I talked to
a real estate professional, a realtor who lives in a
cabin about maybe twenty literally, it's a cabin twenty two
hundred square feet. He's over thirty six hundred dollars. There's

(41:42):
fire exposure there in these certain areas, and that's in Cloudcroft,
New Mexico. But I'm thinking, wow, that's a lot for this.
I would have thought it was lower.

Speaker 12 (41:51):
Well. And it also depends on what their needs are.
I mean, it's important that we understand. Is it are
we looking for somebody that's risk averse, so they're going
to want to have as much coverage as possible so
that if something does happen they can get back to
normal quickly. Or is it somebody that's just looking for
catastrophic coverage. They feel like that they can self ensure

(42:12):
as much as possible, but when bad, really bad things happen,
then the insurance can come in and step up. So
that's part of the reason that it's important to invest
some calories and visit with your insurance advisor so they
can build a plan that meets your needs and it's
not something that's solely built around just the premium. While
that's important, we can't make the assumption that all insurance

(42:33):
policies are the same because, you know, Bill, you and
I could buy the same house on the same street,
built by the same builder at the same time, and
we both have the same coverage from the same insurance company,
but your coverage is going to be different than mine
because we're different people. So, you know, it's a bit
like fingerprints that not you know, it's not just a
standard insurance policy that people's needs are differently and the

(42:56):
coverage is different and not. You know, we can't assume
that every insurance policy covers everything. That is important to
understand what is and is not covered within those policies,
whether it be personal or business.

Speaker 3 (43:08):
Well, we take this moment to remind people that Steward Insurance,
you're helping people, certainly right here in Houston, Texas, but
all over the United States, and as I mentioned my
little trip here last week, it's interesting that each part
of the country is different in terms of the as
you help people all over, you might be in one
state or one city that has different elements of risk.

(43:29):
So wherever you go there's something going on now.

Speaker 12 (43:31):
There's always going to be unique geographic risks depending upon
where we work, there's going to be unique requirements, especially
from a business perspective, if their governmental regulations or expectations
on coverage, depending upon who our business clients work with,
their partners might require certain coverages that are unique for
certain parts of the country. And then you know just

(43:54):
that that's also the case that there's some parts of
the country right now that are easier to insure than others.
So being able to understand that and having a variety
of partners that are out there that we can work
with to make sure that we can provide coverage for
our clients and provide the coverage that makes the most
sense for them at this point in their life.

Speaker 3 (44:13):
No doubt about it. As we travel around this country,
whether it's by plane or driving, it's an interesting country
that's so diverse. I mean, even from here go ten
hours east west north. The geography of the United States
of America, there are some just spectacular places in each
and every corner of this awesome place.

Speaker 12 (44:33):
Well, in our job is to make sure that folks
that live in all these great parts of the US
are properly insured.

Speaker 3 (44:39):
And you're doing that, you and the team and I
got to sit at the event the Houston Mortgage Bankers
Association with your team and ketchup well some of the
people that I met ten plus years ago, now.

Speaker 12 (44:50):
Well, we were very glad to have you and I
appreciated you being there supporting me in that special day.
So that was very special. So thank you.

Speaker 3 (44:57):
Yeah, it's a great group, and congratulate. We're going to
talk more about your role at the at the sub
Houston Mortgage Banker Association coming up.

Speaker 12 (45:03):
We will down down the road, we'll we'll have a
visit one day and talk about what we're trying to
accomplish in twenty twenty five and twenty twenty six.

Speaker 3 (45:10):
It's so relevant and it affects all of us here
in the real estate world. It's fascinating.

Speaker 6 (45:15):
John.

Speaker 3 (45:15):
What else should we know?

Speaker 12 (45:16):
Well, if you would like to be properly insured, whether
it be for your personal insurance or if you're a
real estate business and make sure that you're properly insured
for your business, we'd like that opportunity to have that
conversation and you can reach us at eight sixty six
seven ninety eight two eight two seven. That's eight six
six seven ninety eight two eight two seven. You can
learn more about us at Stuart Insurance dot com and

(45:38):
you can email us at Stuart Insurance at Stuart dot com.

Speaker 3 (45:41):
You know, John, did I say it was in Cloudcroft,
New Mexico last week?

Speaker 12 (45:44):
You did?

Speaker 3 (45:45):
And you Here's why I just now thought of this.
The realtor that I talked to, You know, I like
to meet realtors all over the world, but the realtory
I talked to is a fella that went to Cloudcraft
and immediately within a couple months he said, first time
he was there, he's bought a place. He said, this
is the place I want to be again. Small village.

(46:06):
He's a Texas a and graduate.

Speaker 12 (46:08):
Well, he's a smart man there all.

Speaker 3 (46:11):
The way in Cloudcroft. There's aggies, there are.

Speaker 12 (46:14):
And we have a Cloudcroft hotline and what's that number?
John eight six six seven ninety eight two eight two
seven again eight six six seven nine eight two eight two, John,
thanks for being with us. Always a pleasure.

Speaker 3 (46:25):
Bill we have with Stuart title, tremendous people right here
in the Houston area to help you. And of course
i'd say they're about seventeen of our business development people.
If you're in the real estate world, if you're a realtor,
if you're in the mortgage part of if you're in
any part of the real estate world, you need to
know your Stuart title business development officer because they are

(46:45):
a resource in so many ways. I have one right here.
Her name is Britney her nand this Britney. Welcome to
the show.

Speaker 13 (46:52):
Hey, Bill, glad to be back with you as always.

Speaker 3 (46:54):
Well, it's been a while and it's great to see you.
Let's tell people the area of Houston that you're serving
in a magnificent well you know.

Speaker 13 (47:01):
I call it the Land of Pears Paarland area, but
we are in the Brazoria County, which again the Alvin area, Manville,
Iowall Colony and Pairlian.

Speaker 3 (47:10):
And that's kind of south we'll say for those that
might be in the south side. A lot of stuff
going on. How's the marketplace?

Speaker 13 (47:16):
It's going good. A lot of stuff is booming that way,
like Lauren said, So we're getting pretty busy in that area.
It's pair Land. Everything's coming up in every kind of
direction there is over there, so you can't miss it.

Speaker 3 (47:27):
And let's tell people. I know she doesn't want to
say a word, but you brought someone special. We do
want to mention and recognize her.

Speaker 13 (47:33):
She doesn't want to come out, but her name is Zoe.
She is actually a student at TCU. She's majoring in
communications and she's actually coming to hang out with us
all summer long and be our little intern and do
all of our marketing. Which I told her she needs
to come on the air, but she doesn't want to.

Speaker 3 (47:49):
Maybe next time.

Speaker 13 (47:50):
Yeah, she she came with me on Friday. I did headshots.
I'm a photographer, so I've been able to do headshots
and lifestyle sessions with a lot of our agents and
it's just something I love to do. It's just building
that relationship with them.

Speaker 3 (48:02):
Oh, there's so many platforms for communication, but radio station's
right up there.

Speaker 13 (48:06):
Everybody loves it, and who doesn't love being on the
air with Bill.

Speaker 3 (48:09):
There you go. It's indeed an event for me for sure. Brittany,
what else should we know?

Speaker 13 (48:15):
You should know a lot of people talked about Google,
So we are actually teaching a Google my Business class,
well Google Business Manager, whatever you want to call it,
but well we are doing it one on one as
a business development officers So if you have Google and
you haven't really utilized your Google business page, then get
with us and we can help.

Speaker 12 (48:35):
You get that.

Speaker 3 (48:36):
Brittany, let's tell people how they can reach you in
the land of Pairs.

Speaker 13 (48:40):
Pairs, you can find me on Instagram at social title
rep underscore b But our office number is two eight
one four one two six' nine zero Zero again two
eight one four one two six' nine.

Speaker 3 (48:52):
Zero zero great to see it come. Back soon thanks
for being, With. Us britney and now they are back,
once again a husband and. Wife team, that's right. They're
working so, Welcome back Samantha And. Jay, bustos, hey guys
welcome back the final moments of. The show it's been a.

Speaker 4 (49:08):
Long time it's been a.

Speaker 3 (49:09):
Long time we. Missed you what else should, We? Know samantha, all.

Speaker 7 (49:13):
RIGHT well I think i would like to leave this
off with real estate does not have to, Be intimidating
it should. Be empowering work with someone, that's educated that
makes this, process fun that's done a ton, of Loans
and i'm here to help you with the home, buying
process whether you're ready. Or not let me put you
on a game plan and let's get you into.

Speaker 3 (49:33):
A property sounds like we Should Call. Samantha boostos what's the,
Phone number samantha.

Speaker 7 (49:38):
Two eight one nine seven four eighty one eighty one
two eight one nine seven four eighty one eighty One?

Speaker 3 (49:44):
And jay what else should?

Speaker 5 (49:45):
We know Suld, Boy boustos i'm back real Estate and linigus.
Constantly evolving just partner up with somebody who's on top of,
their game very active in. The market you make sure
that you see, them everywhere ask a lot, of questions
and don't be scared to. Move forward so if you have,
any questions you could always reach me eight three two

(50:05):
five four two four zero three seven eight three two
five four two four zero Three seven and one. More
time it's eight three two five four to two four zero.

Speaker 3 (50:17):
Three, seven jay say it, three times boost us as
make it happen. Super awesome thanks guys for being, with
us and now she. Is Back, Lauren Silva Lauren? Silva
CELLS did i get?

Speaker 10 (50:29):
That?

Speaker 6 (50:29):
Right lauren?

Speaker 3 (50:30):
You Did lss Lauren. Silver cells before we close the
show down here for, This, edition lauren what else should?

Speaker 10 (50:36):
We know you should KNOW that i do classes for
not only people that are looking to invest into, real
ESTATE but i also do one for sellers that are
not used to selling their homes as it's not, as
common but also first.

Speaker 9 (50:51):
Time buyers, you.

Speaker 3 (50:52):
Know some people get in Their homes lauren and just
stay there and then, it's, LIKE oh i gotta. Sell
it now WHAT do? I do you?

Speaker 9 (50:58):
Call me that's what.

Speaker 3 (50:59):
You do, That's right Lauren, Silver cells and you had
that broad spectrum of the. INVESTMENT workshops i think that.
RIGHT there i think there's probably people that might want
to buy a home, and, Say, hey lauren you know,
and RETIRING maybe i should do a. Little, investing.

Speaker 10 (51:11):
Oh definitely so there's definitely different types of loans that
you can utilize your money that you have accumulated from
the home that you've been in for, so long if
it isn't completely. Paid off there are different avenues that you,
can take different investment strategies so that you can utilize
that and grow.

Speaker 9 (51:30):
Your, portfolio lauren how can we?

Speaker 3 (51:32):
Reach you you.

Speaker 10 (51:33):
Can reach me on any social, Media platform Lauren, silver
cells or you can reach me personally on my. Cell
phone it is eight three to two five six one
nine eight three three eight three two five six one
nine eight three three and just for one for everyone
in the back eight three, to, two, five, six, one
nine eight.

Speaker 3 (51:53):
Three three lauren's great to. See you thanks for being.
With us, Thank You bill, Todd Robertson Texas. Loan pros he's, Back.
Well todd here we are closing down the final seconds of.
The show let's tell people what else should.

Speaker 8 (52:05):
We know if you're, a buyer never, make assumptions never
think that you. Can't qualify. Call me we're going to
offer you the best customer service experience. Out there we're
going to make sure that you understand what's going on
every step of. The way if you're a realtor and
you need a, loan officer that's going to make sure
that you look like a hero and help you shine

(52:27):
in this customer centric you can. Call me if you're
a broker of a brokerage and you're looking to educate
your realtors ON the va LOAN with, ce credits then
you need to call me and we'll take care of that.

Speaker 3 (52:43):
As well and of course they can pick up The
Book The Veteran Advantage, Todd, robertson todd how can they reach?

Speaker 8 (52:49):
You again That Is, todd robertson author. Dot Com, todd
roberson author. Dot com or you can reach me on
my cell phone and that's two eight one, seventy three
one ninety four, fifty four two eight one seven three
one ninety four fifty four and apparently three times the.

Speaker 3 (53:08):
Charm three times two eight, one.

Speaker 8 (53:10):
Seven three one nine four five four seven days, a
week eight am to, Eight pm always available.

Speaker 3 (53:16):
For it never takes a vacation except two times. A,
Year tom thanks for being.

Speaker 8 (53:20):
With us Thank, YOU bill i, joined it and thank
you all.

Speaker 3 (53:23):
For Listening To Real estate Matters With. STUART title i am,
Your Host, bill nappik Together With john bramlett and all
of Us At stuart Title And. Stewart insurance we appreciate
you listening to. The show simply Go to stewart dot
Com Forward slash Radio that's stewart Dot Com Forward slash
radio to see this show again and again and to
access the. Show archives thanks for listening and we'll see you.

(53:47):
Next week when it.

Speaker 11 (53:48):
Comes to, real estate everything matters whether you're a broker
real it's, her homeowner buyer. Or seller for informative and
entertaining information when it comes, to, owning buying and selling,
real estate Tune in sundays at five in to real
estate Matters With stuart title brought to You By stuart
insurance