Doors, Real Estate & Money!

Let’s talk doors & more!

Episode Transcript

Speaker 1 (00:00):
Now is the time to talk to your trusted realtor
and see where you're at. Come September, of the rates drop,
you're going to get in with those great rates.

Speaker 2 (00:09):
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 3 (00:22):
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 Stoare Title, Steware Titles. Bill Knabik
and guests open the door to what really matters in owning, buying,
and selling real estate. And now Real Estate Matters with
Stoare Title, brought to you by Stuart Insurance. Here to inform,

(00:46):
entertain and inspire. Bill Nabeck, Welcome to the show. It
is Real Estate Matters with Stuart Title. Thank you for
joining us. I'm your host, Bill Napik, and we have
a great crew here today. Lots of people on the show,
different times topics, but everything relates to the home in
real estate. So let's get started as we welcome Miranda

(01:07):
Box with Red Door Realty and Associates and Stephanie Hale
with Traditions Mortgage Group. Ladies, welcome to the show.

Speaker 4 (01:16):
Hey Bill, No good to see you.

Speaker 5 (01:19):
First of all, let's talk a little bit about real
estate Miranda, and let's tell people about your company.

Speaker 6 (01:25):
So I've been in real estate for about twelve years now.
I've been working primarily in residential, but over the last
year or two, I've started to transition a little bit
into commercial, so kind of shifting with the different things
that the market's doing lately.

Speaker 5 (01:38):
And as we think about real estate and your company,
Red Door, where do you geographically spend most of your
time here lately?

Speaker 7 (01:45):
As mostly Montgomery County throughout my career.

Speaker 5 (01:48):
And if someone's listening from AFAR and they hear Montgomery County,
what part of Houston, let's paint that picture for people outside.

Speaker 6 (01:55):
You're looking at about thirty forty five minutes up to
an hour and a half north of Houston.

Speaker 5 (02:00):
We're more in the northern zone than correct and Montgomery
County is really appealing. I hear a lot of people
love Montgomery County. What are the drivers? Would you say
from a realtori'st perspective. What drives people to say I
want to live in Montgomery County.

Speaker 6 (02:14):
Well, I guess I could give my opinion personally, having
grown up in Harris County and decided as an adult
to move to Montgomery County. And for me, it was
really just the feel is different. It's a completely different atmosphere.
It's more rural than some of the other counties that
are further south of us, closer to Harris County, and
so that was mostly what my clients are typically moving

(02:36):
towards Montgomery County for is a little bit more of
that rural fill.

Speaker 5 (02:39):
Sounds good to me. In fact, it sounds also like
there'd be a lot of more choices as maybe even
in a regular house, you want something with a little
bit of land and all right, you.

Speaker 7 (02:47):
Can certainly get some elbow room out there.

Speaker 5 (02:49):
And speaking of money, Stephanie, let's tell people about your company,
Traditions Mortgage Group.

Speaker 4 (02:55):
Okay, so Tradition's Mortgage Group.

Speaker 8 (02:56):
We are a small mortgage company, so I open to
the company in twenty eighteen. We operate in College Station,
the Woodlands and also Louisiana and after about seventeen years
at a bank, we may and a partner decided to
go out on our own and open the mortgage company
just to be able to create a more tailored experience
for clients. So we specialize in those outside of the

(03:17):
box lending, so outside of your normal VAFHA conventional stuff.
We have a lot of products for investors, self employed
or other individuals.

Speaker 5 (03:26):
Well, that's one of the things that strikes me when
I talk to people about mortgages is that there are
so many kinds of mortgage. As you're describing, and you
use the phrase out of the box mortgage loan, So
let's tell people a little bit dig into that a
little bit more, and what is that all about? Out
of the box for some of is that for people
that were trder to get credit or what So there's

(03:47):
a few things.

Speaker 8 (03:47):
So your very vanilla basic mortgage is set by each bank.
So if I walk into ABC Bank, they're going to
have their set parameters, sometimes on what credit score they'll allow,
what they're looking for foreign products, and so there are
clients that may not fit into that box as you will.
So self employed, we do loans based on bank statements

(04:07):
or ten nine nine's, and we also offer loans outside
to foreign nationals, individuals that have iti ns, things like that,
where it is outside of the scope of your standard guidelines.

Speaker 5 (04:19):
I was going to say it if you didn't. And
that is self employed people. I have not been self employed.
I've always worked for a company, so I've never had
to experience that one getting a loan, But it is
interesting they have certain challenges, maybe more than the employed
so to speak. Correct, Yes, tell us a little bit
about it.

Speaker 8 (04:38):
Yeah, So when you're self employed, you know you earn money, right,
you have revenue, you have money coming in. But when
it gets the end of the year and you go
to file your tax return, that magic number that you
submit to the IRS becomes your income because you also
control how much you pay yourself as a self employed individual. Typically,
we want to see two years in a standard mortgage,
we want to see two years of your tax returns

(04:59):
and the average income so that the lender can make
a decision on what is likely to continue. And it's
a case where somebody is recently self employed, or maybe
they know work ten a nine, or for whatever reason,
their business just doesn't report as much to the IRS
as a mortgage might require. There are some other products
that we can do where we're looking at the straight
revenue or profit and loss statements or bank statement, so

(05:21):
we just look at the money coming in and out
and determine our own cash flow. Almost more similar to
commercial lending, where we're looking at cash flow and balance
sheets versus the traditional mortgage monthly turnover.

Speaker 5 (05:32):
And I will also think someone in the self employed
world has more deductions, so that might offset certain income situations.

Speaker 8 (05:40):
Yes, I will say the biggest thing I see with
self employed individuals that do have a solid amount of
income is that either they self prepare, which they might
have a wealth of knowledge in the tax world, and
it's fine, but a lot of times you can work
closely with their CPA or financial advisor to adjust what
deductions they're taking, because some of those actually are added

(06:00):
back into income, so we could qualify them a little
bit different. So I always encourage our loan officers and
clients of mine to let's look at that before the
end of the year and before you file. If you
are planning on buying a home in the next year
or so, that.

Speaker 5 (06:12):
Sounds good to me. And Miranda, you're here with Stephanie,
and that's one of the things we talk about on
this show. Is that a real estate professional like yourself,
you have to have so many tools to help your
buyers and sellers, and one of those is to have
a good relationship with someone like Stephanie right.

Speaker 6 (06:29):
Right, which is why we wanted to do this together
today because she has such out out of the box
options that my clients, especially with as many self employed
clients that I have, are able to you know, they've
been renting for years and years, and Stephanie came along
and she's like, Okay, well, let's sit down and talk
about this. Let's look at some other options, some things
that are not quite as conventional where I can move

(06:51):
a little bit differently than the bank is able to.
And so we've been able to make the dream of
home ownership something that's a reality for a lot of
clients because of those options.

Speaker 5 (07:01):
And that makes sense because again, you have to have
as the real estate professional. If I'm buying a house
or a family's buying a house, they look to you.

Speaker 7 (07:09):
For the.

Speaker 5 (07:12):
Right right partners with you. So that said, now, as
far as your world in real estate right now, and again,
Montgomery County for those outside of Houston Northwest, give or
take of this of the downtown area right now? Are
you helping more buyers or sellers? What do you focus
on the most.

Speaker 6 (07:30):
So you know, being that I'm not pigeonholed into one
or the other by my brokerage. It shifts every couple
of years. Sometimes it's more buyer focused, sometimes it's more
seller focus. But this year surprisingly has been more seller
focus than I had anticipated with the way that things
are going, not with something that you know, Stephanie and
I have been talking about as well, that with the

(07:51):
differences in the in the way that the market has
changed over the last few years, and the way that
things look for sellers now versus the way that they
looked for sellers three years ago, and the same for
buyers that we've been looking into these more less conventional options,
like things like assumables. Everyone's been talking about them for
a while since rates have been what they have been,

(08:11):
but no one's really educated on it. No one's really
familiar with what are your options, how do you find them,
who do you go to in order to do this,
how do you qualify for that? What does that look like?
Out of my pocket? And so I went ahead and
got assumables certified in order to have access to a
database that allows me to see options that you can
see what the down payments are, what the down payment is, isn't

(08:32):
normal like a three and a half percent FHA loan
or a five percent conventional loan. You're looking at what
is the difference between what their loan payoff amount is
and what the equity or what the difference is in
what the purchase prices. And so that's what it could
be anywhere from fifteen thousand or one hundred and fifty thousand.
But then you assume their rate that they have, not

(08:54):
today's market rate. So that's one of the things that
we've been kind of trying to gear a little bit
towards seeing more putting more knowledge out there for the
buyers that are in the market.

Speaker 5 (09:03):
And I'm going to go back to what you said.
That's the first time I think we're gonna have a
lot of show first here today. It's just the feeling.
But you said the two words assumable certified. Is that right?

Speaker 7 (09:13):
Yes?

Speaker 5 (09:14):
So I didn't even know if that was a thing.

Speaker 6 (09:16):
Is that something a company just put something together? I
just came by it. I saw another agent had said
that she had gone through this program. And so I
signed up and took the classes and learned how to
understand what it really was, because I mean, you have
so much misinformation out there that you've got to find
someone that's taken the time to put all of the
different things together and figure out what is legitimately unassumable.

(09:40):
How is this approachable from a realtor's standpoint or from
a lender standpoint.

Speaker 5 (09:44):
And we all we've been hearing a lot of times
where people are not selling their home because for some
they got lucky and got a three percent interest rate
or even lower. So I would think they would be
prime configurations to assume that low loan is that that's
possible and you can help them with that.

Speaker 6 (10:02):
And because a lot of times so that if they've
got a three percent interest rate, they've probably you know,
have a decent amount of equity in their home because
not only.

Speaker 7 (10:10):
That that was several years ago where there was a.

Speaker 6 (10:12):
Three percent interest rate, but on top of that, prices
have risen since they paid for that three percent interest rate,
and so they've probably got you know, one two hundred
thousand dollars in equity where they can pay those big
differences on some assumables but like I said, not all
assumables are a crazy down payment. Some of them are
fifteen twenty thirty thousand dollars difference.

Speaker 5 (10:31):
And Stephanie tell us a little bit more about your
your thoughts on that.

Speaker 8 (10:35):
So an assumable mortgage, so first, typically you're going to
be able to assume government loans, so that's your FAHA,
USDA and VA loans. So the first thing is really
making sure that the agent that is representing the seller
has done a little bit of that research to make
sure that the bank that holds that mortgage is willing
to do it and what their parameters are. So if
I if Marianda selling a house and it has an

(10:56):
assumable loan and it's held with an investor, that investor is.

Speaker 4 (11:00):
Going to have to qualify the new buyer.

Speaker 8 (11:02):
So if I am the buyer, then I'm going to
want to know what those requirements are going to be
because it will stay with that same servicer and then
we'd have to qualify. So what we do try to
work with our buyers if they are looking at an
assumabile product or a home. If they walk into that
one house and it's not the one, we still want
to make sure that they're qualified for other options too.
And then the second piece is when she was talking about.

Speaker 4 (11:24):
How the equity that they have.

Speaker 8 (11:25):
So if you're purchasing a home and you're going to
assume the loan, you're not going to likely be able
to get a second leaner.

Speaker 4 (11:32):
You can't go over that amount with the existing lender.

Speaker 8 (11:35):
So typically you're either going to want the proceeds of
your house or other savings to bridge that gap in
what they owe and what the sales price is. So
just having that information upfront and being ready to go
forward to the lender that holds that loan.

Speaker 5 (11:47):
Information is the key. The correct information. That is we're
talking with Miranda Box with Red Door Realty and Associates
and Stephanie Hale with Traditions Mortgage Group. Miranda, before we
close the segment, what else do you want people to know?

Speaker 6 (12:01):
So I also have a program which is very dear
to my heart, Miranda's Mission. I have a tagline It's
your Dream, My Mission, and so I kind of spun
off of that. But I have a family that are
military and first responders, and so over the years seeing
how things are, what they're contributing to our community and
to our country. I've dug into my own resources and

(12:23):
decided that I wanted to start a program where I
could give back to those that are doing for our
communities and for our country. And so for my veteran
first responder and teacher clients, I give a portion of
my commission back at closing to help with their closing
costs or furniture or whatever they want need it for.

Speaker 5 (12:39):
That sounds good. Let's tell people how they can reach you.

Speaker 6 (12:42):
So my name is Marina Box. You can reach me
on my cell phone at eight three two seven zero
seven six seven zero eight eight three two seven zero
seven six seven zero eight.

Speaker 5 (12:53):
And Stephanie, how can people reach you?

Speaker 8 (12:56):
I can be reached at eight three two eight five
three five is zero zero three eight three two eight
five three five zero zero three.

Speaker 5 (13:06):
Well, ladies, thanks for being with us, Thank you, thank you.
As we continue, let's talk to Heather Groom and Zariah
Zeila with got Keys realty, ladies, welcome to the show.

Speaker 9 (13:19):
Thank you, it's nice to be here.

Speaker 5 (13:21):
It's good to see I love that you know, easy
to remember. Got Keys right, right, Let's tell people about
your company, starting with Heather, go ahead.

Speaker 9 (13:30):
So we started got Keys Realty team under Vibe Realty
in twenty twenty four and over a year we raised
like twenty two agents. So starting out this year, from
January to now, we have over twenty million in sales.
We have closed over eighty transactions.

Speaker 5 (13:50):
That's a lot. Yeah. Yeah, So Zariah, let's tell people
some more about that.

Speaker 1 (13:55):
Yeah. So we started our team last year in twenty
twenty four and by summer we already had about nineteen agents.
So this year has been amazing. I mean, it was
a lot of training out of learning for the agents, mentoring,
and this year paid off. We're at eighty transactions.

Speaker 5 (14:13):
That's pretty good. So also geographically, as people listen, let's
tell people geographically where you're spending most of your time.

Speaker 1 (14:19):
I am in the North side Kingwood, a Tascasita area.
I spend a lot of time on the north because
I'm also president for past president for NAUREP North Houston,
which is the National Association of Hispanic real Estate professionals,
and so we do a lot of our events on
the north Side and I'm currently still on the board
as past president, so a lot of Woodland spring.

Speaker 5 (14:42):
Well, let's tell people, especially those listening from AFAR, about Kingwood,
because it's actually been a while since we've had anyone
from the Kingwood area on the show, any realtors. So Sorria,
let's tell people about the marketplace and what is it
about Kingwood that draws people to say, Hey, I live
in another state or I live here in downtown, but
I want to go to Kingwood. What draws them up there?

Speaker 1 (15:03):
Okay, well I want to give that one to Heather
because she lives there. I am more in a task
to see a side and she's the pro in Kingwood.

Speaker 3 (15:10):
Is that right?

Speaker 5 (15:11):
We'll go ahead, Heather.

Speaker 9 (15:12):
I would say the schools like Kingwood schools carry pretty
much the entire Umble school district. It's top five, so
schools are going to be one point. And then just
the community feel town center. It does have like a
more homey.

Speaker 5 (15:30):
Well I've heard it called the livable force. Do they
call it that?

Speaker 10 (15:34):
Oh? Yeah?

Speaker 9 (15:34):
Why the walking trails all of the sporting centers that
are in the middle of the woods. It's on Lake Houston.

Speaker 5 (15:42):
So as far as you, Heather, as far as real
estate and your tenure, how long have you been a
realtor eleven and a half years, so you've seen some
things in eleven and a half years. Huh, Yeah, what
is it about real estate that keeps you in the
profession all these years?

Speaker 9 (15:56):
I love it because numbers don't lie. Real estate is numbers, right,
So you list houses, you pull comps, you do these things.
Numbers are very very easy, right, So when you break
them down and make them make sense, it works. So,
and I've done a lot. We've done a lot to
get these alternative financing programs. So we do a lot

(16:20):
of owner finance. We do a lot of rent to
own programs. We have ten percent bank statement loan program
we have, oh my gosh, a forty different programs.

Speaker 5 (16:34):
Give us a quick word on rent to own programs.
I haven't heard about that ever.

Speaker 9 (16:40):
Yeah. So ours starts out at a five to twenty
qualification and then from there it's an eight point five
percent interest rate and it's about eleven percent down. But
basically they'll babysit it to where as soon as the
buyers qualify for standard financing, then they'll flip them into
let's say, an FHA or a USDA or whatever type

(17:02):
of loan they need to be flipped into.

Speaker 5 (17:03):
So it's kind of something to get started. Yes, like
a little diving board.

Speaker 9 (17:07):
They're still getting so that the equity note is actually
still going in the buyer's name, So they're still getting
the benefits of owning a house. They're still getting their
names on the tax profiles. They're still getting all the
benefits of owning.

Speaker 5 (17:20):
Sounds pretty good. And Ziah, what is it about real
estate that brought you into the profession?

Speaker 1 (17:26):
Well, I started. I am originally from South Texas, from McAllen, Texas,
the RGV, and when I came here, I started doing
new home sales. I was a new home sales representative.
That is a majority of what I teach our team
as well. New homes and new construction is my specialty.

Speaker 5 (17:44):
And right now in the in the area that you're working,
are there a lot of choices in terms of new
home construction.

Speaker 1 (17:50):
Definitely, Yes, there's a lot of choices in new homes,
lots of incentives to home buyers at the moment, and
you cannot beat their rates. They have the amazing rates
right now.

Speaker 5 (18:01):
So the builders, and I'm hearing that the builders are
doing certain things to attract business to sell their homes.

Speaker 1 (18:08):
Yes, correct, So they have lots lots of options, lots
of floor plans, anywhere around town that will, you know,
do a lot of things for the buyers and with
the rate pricing, closing costs.

Speaker 5 (18:22):
Yeah, yeah, And I would think if your background is
in new home sales, now you could sell new homes
and anything else.

Speaker 1 (18:28):
Right, Once you sell a new home, yeah, you can't
sell anything.

Speaker 5 (18:31):
Well when I think about, of course real realtors, you're
working all weekend long anyways in many cases, but especially
the new home personally think they have to sit at
the same home all weekend.

Speaker 1 (18:42):
Yeah, they live there, they live there, so yeah, basically,
and weekends are on must so, but that's the time
when we're out there working too.

Speaker 5 (18:50):
So well, Heather, what are some of the other things
we should know about the marketplace up there in king
What I'm thinking about all those trees and all the
great things you could do up there. What's happening?

Speaker 9 (18:59):
Oh, I mean we do there's in the lake, we said.
I'm like Heuson. We do events every other weekend. We
do table events, we do they have Town Center has
their fresh fruit markets. They have all kinds of stuff.

Speaker 5 (19:14):
As far as the way you see here, we are
we're almost at the end of the year, Heather, Right,
So how do you see things unfold in terms of
I'm here in interest rates are going to go down?
Who really knows, But how do you see the things
play out for the rest of the year.

Speaker 9 (19:29):
Well, we just had to talk this, yes, right, yeah,
we do Monday morning meetings. So on our Monday morning
meeting this weekend or today, I told them, get ready,
you have about two three weeks kind of of the
kind of downtime, kind of we're still hanging out. But
once that, everybody's waiting on the drops. Everybody's waiting to

(19:49):
see what the interest rates are going to do. Everybody's
waiting to see what's going to happen. So I think
I project by the end of September all our listenings
are going to start moving. Right now, we have over
twenty three listings on the market, and we haven't there's
not been a lot of traction, but we've gotten a
lot of social media, a lot of this, a lot
of that. It seems like buyers are only going to

(20:09):
open houses. They're not scheduling with their agents. So all
of those people that have kind of been waiting for it,
they're going to start coming.

Speaker 5 (20:18):
So and then how big of a drop does it
need to be to have this extra activity would be
a half point a point. What do you think?

Speaker 9 (20:28):
Well, I mean, we've been dropping week over week. It's
just been so little of a drop that people aren't
really noticing it. So I think the one in the
September is probably going to be a little bit bigger.
I can't say how much. I have no idea. We
know what they're pushing for, right.

Speaker 5 (20:45):
But yeah, my guess is if it's a full point,
that might be really sir. What do you think, ye'h ry.

Speaker 1 (20:52):
Yeah, definitely, a full point would definitely push a lot
of the listings. A lot of the listings you know
that we have sitting that have been sitting for a while.
I feel like June and July was a little slow,
but it's picking up. I currently have a listing now
and I have multiple offers.

Speaker 5 (21:08):
Well there you go.

Speaker 1 (21:09):
Yeah, and just listed on Friday, so it's gonna pick up.

Speaker 10 (21:12):
Well, you know.

Speaker 5 (21:12):
My extra prediction is that, other than the rate at
this time of the year, when the weather gets cooler,
I think that psychologically does something to the potential buyer,
especially the buyer that doesn't have to buy at a
certain time. They just like cooler weather.

Speaker 3 (21:26):
Yeah.

Speaker 5 (21:26):
Yeah, I'm just speaking for myself. I don't know what
people really think. All that said, So as far as
right now, Zori, are you helping more buyers or sellers?

Speaker 1 (21:35):
Well? I really help a lot of buyers as mainly
what I do. And I think that's because I put
that out there. A lot you know, want to buy
a house. But this year, I think I've had a
lot of listings. I was working with a new home
builder and sold about ten of his homes, brand new
homes all over all the way from Hempstead to Houston

(21:57):
to Baytown a role. So yeah, I had a listings
this year. So, but I work both buyers and sellers.

Speaker 5 (22:04):
And then what about the first time buyers? So are
there a lot of them still out there?

Speaker 1 (22:08):
Yes, a lot of them are asking questions, wanting to
know when should I buy, you know, wanting to know
the process. I think putting that information out there helps
because they have a lot of questions. And yeah, they'd
be ready probably soon.

Speaker 5 (22:21):
And so arriah before we close this segment, what else
do you want people to know about what you're doing.

Speaker 1 (22:26):
I've been in real estate eight years. I held buyers
and sellers. There's lots of events going on on the
North North Side with naarup North Houston, and I also
work the RGV area, So if anybody is looking to
move to Houston or the RGV McKellen Greater McKellen, I am.

Speaker 5 (22:44):
Also RGV is Real Grand Valley, the Grill Grand Value.

Speaker 1 (22:48):
Yeah, I have access to their mls and I currently
have a listing. There had two listings, so buyers are
sellers can help.

Speaker 5 (22:54):
GVGI love that. So your phone number is.

Speaker 1 (22:58):
Eight three two nine six six three eight three two
nine sixty six one five.

Speaker 5 (23:04):
Three three Heather, how can people reach you?

Speaker 9 (23:08):
Oh my number is eight three to two seven ninety
seven nine one sixty eight eight three to two seven
ninety seven nine one six.

Speaker 5 (23:16):
Thanks for being with us, ladies.

Speaker 11 (23:18):
Thank you.

Speaker 5 (23:19):
Let's talk doors. This is a show first we have
the owner of Mirabella Doors. Her name is Pam Miller
and we've never in all the history of this show
got to talk to someone about doors. Pam, welcome to
the show.

Speaker 11 (23:33):
Thank you, Thank you for having me.

Speaker 5 (23:35):
Well, let's tell people Mirabella Doors. It sounds like you
have some very special doors to provide people.

Speaker 12 (23:41):
Yes, I have a custom steel and iron door company.
We design and fabricate front entry doors, wine room doors,
study doors, back elevation doors for high end home.

Speaker 5 (23:53):
Builders doors doors doors.

Speaker 11 (23:55):
I'm the door lady.

Speaker 5 (23:56):
You are the door. So every day when you wake up,
one thing's on your mind. Doors.

Speaker 11 (24:01):
Yes, doors are always on my mind.

Speaker 5 (24:03):
And like your website says, exceeding expectations as well, give
us an idea in the day of the life of
someone specialized. And these are beautiful doors. They're for special
custom homes and things like that. Let's tell people about
the doors that you're providing.

Speaker 11 (24:20):
We do an array of door designs.

Speaker 12 (24:24):
Your typical double doors, single doors, double doors with sidelights, transoms,
we're in. We do pivot doors now as well. Pivot
doors are very popular for modern style homes. If you're
not familiar, it's when the door opens and it's not
hinged on one side. It has a pivot point maybe
six twelve or fifteen inches in and it just sort
of swivels open, so when you open the door you

(24:46):
see a little bit of distance on one side and
then the greater span on the other side. Those are
very popular right now.

Speaker 5 (24:52):
Is that something that's a current trend or are they
better trend.

Speaker 12 (24:56):
For more for modern type homes, and again we design.
We design everything for each and every customer. So right
now there's a particular style that is popular. We call
it our Cosmopolitan line, where it's a little bit of
steel and a lot of glass. We started the business
back in two thousand and nine. It's when hand forged
iron entry doors were very popular, you know that heavily ornate,

(25:21):
And so from there the pendulum swung the other way
and now we're doing these very little bit of steel
a lot of glass doors. They can be very modern
in appearance, but they can also be very transitional.

Speaker 5 (25:34):
And would the would a typical I don't know what
a typical client would be, but is it someone that
has an existing home and that they want to refresh
the style? They'll call you? And then what about the
person that's in the process of building a home? Is
it you do all that?

Speaker 11 (25:50):
I do all that?

Speaker 12 (25:50):
So typically I work with high end home builders in
the greater Houston area. We go out as far as
College Station, Waco, Huntsville, down to leagues friends would so
I developed relationships with them and they sort of act
as a quasi salesperson for me, and they refer their
client to me. But now that I've been in business
so long, I have a reputation and so a lot

(26:11):
of people already know who I am. They've seen product
my product, maybe their friends have the doors and stuff,
so I get a lot of word of mouth referrals.
So yes, I work with the homebuilder who would typically
send me their customer and then I would meet with
them in the showroom and help them design whatever's they're
looking for. But I also deal with the homeowner who's

(26:32):
looking to update their home. And the best way to
give your home a mini facelift is to change out
the front entry.

Speaker 5 (26:40):
Doors are one of the first impressions to the home. Yes,
people that it adds to the curb appeal, certainly landscaping
as we pull up to a given home, but when
we walk up to that home, it's the door.

Speaker 12 (26:54):
It's the smile on your face. The door is the
smile on your face, and it's your first impression when
you walk through. And so it's very important. You know,
when you're building a new home, or even if you're
remodeling an existing home, you take the style of the
house is always first and foremost, but you want to
be able to marry that with the style of the

(27:15):
homeowner the people who are going to live there, and
just arrive at a something that just meets both needs.

Speaker 5 (27:21):
Yeah, I would think also in the process of looking
at the styles and thinking and imagining the styles, people
get excited about doors.

Speaker 11 (27:29):
They do.

Speaker 12 (27:29):
And I still get excited about doors all these years later.
It's strange, it's a strange obsession of mine. But I'll
be talking to a customer and then I'm like, oh wait,
I'm thinking of this idea and this idea, and you know,
it just is very exciting.

Speaker 5 (27:42):
Well out of curiosity. At your home, you have a door.
We all have doors. Do you change your door out often?
Or you just have a certain door that you really like?

Speaker 12 (27:51):
I actually did. I've changed my door twice now. So
I had the hand forged iron entryway at first, and
then as the style changed, I cut the iron out,
put a different style on, and then recently cut that
out and I just have a simple glass and steel
door right now.

Speaker 5 (28:08):
So, for example, just from the we talked a little
bit about the design and the thinking of how we're
going to get a specific door. But let's say it's
one door, not a double door or the special pivot doors,
but if we have just a single door and someone
wants a new door for their home, that's not too complex.
It's all custom, right, So how long does it take

(28:30):
if we decide on a design, I say, hey, Pam,
this is the one I think that would be best.
How long does it take to get that door on
my home?

Speaker 12 (28:37):
From the time we pull the trigger In a remodel situation,
it's six to eight weeks is our lead time. Typically
with the remodel situation you mentioned a single door. A
lot of people will come to me and they have
a single door with sidelights, and they just think they
have to change the door. But when I meet with
them on site, I tell them we can just rip
this whole thing out and put in double door unit.
We can raise your head or make it a little

(28:59):
bit tall, just to kick it out just a little bit.

Speaker 5 (29:02):
And when you say sidelights, I'm thinking of my own home.
I don't know if this is what you're describing. But
I have a door and then there's two long windows.
Is that the sidelight. Yeah, let's just rip it all out.

Speaker 12 (29:11):
I can take it all out, all of it, and
one day. We do it in one day. Also, so
we demo install your house is perfectly safe and secure
within one day.

Speaker 5 (29:20):
Yeah, I'm just thinking kind of a long shot here,
But let's say someone has a listing that's been on
the market for a long time. Maybe it's a door
refresh that might put it over the edge.

Speaker 12 (29:32):
I do work with some realtors that are doing that.
They're either helping their client sell the house or their
flipping houses, and they'll have us come in and change
out the front entry door. That's one of the first changes.
Especially when you're looking at twenty twenty five versus two thousand,
two thousand and five, there's a lot of design change
has gone on in that twenty year period.

Speaker 5 (29:53):
Because in the neighborhood I live in, there's a lot
of homes that were built in nineteen ninety three, and
I think if we were to drive all over Houston,
there's so many homes that have been around for a while.
They need doors.

Speaker 11 (30:04):
They do just saying I see them all the time.

Speaker 5 (30:07):
And they're listening right now, we're gonna sell some doors here.
Maybe today, Hey, let's sell some doors some doors. Okay,
So as far as let's tell people the website, PAM,
because I was on your website. It's fantastic. What's the website.

Speaker 11 (30:18):
It's Mirabella Doors dot com.

Speaker 5 (30:20):
Simple mirror, Mabella doors dot com. Get a door, maybe
get two doors. What about the back of the house.
We do a lot of back elevations.

Speaker 12 (30:28):
It's surprising how hot it is in Texas and how
people love to be outside. We create great outdoor spaces
for people that have pools and outdoor kitchens and all
of that.

Speaker 5 (30:41):
I keep thinking about my own house. I need doors.
Don't tell anybody in the meantime.

Speaker 11 (30:45):
Well you just told everybody.

Speaker 5 (30:46):
So what about as has the year? How has it
been business wise? I mean we don't need numbers, of course,
but here it is twenty twenty five. I'm sure you
look at your business. Hey, this year we did this much.
But was this a good year for your business?

Speaker 11 (30:59):
Yes? It was.

Speaker 12 (31:00):
We had a little bit of slowness I think in
the earlier of the year due to just the uncertainty
with the interest rates and everything. But it's been pretty
steady all things considered. I was just actually looking at
my numbers to see where I was in comparison toil
last year, and we're pretty much on target.

Speaker 5 (31:16):
And when you think about the business and you're going
to we're finishing out the year, and you're thinking probably
already about twenty twenty six. In the door business, I mean,
as salespeople in real estate mortgage, there's things that we
can do to improve things and to bring in more
business and all that. But in your world, what are
the things that you think about to say, Okay, we
did this much, how can we make twenty twenty six

(31:38):
even better? As the business owner, because that's such an
important position.

Speaker 13 (31:42):
This is your own business, yes, and you always have
to think about how you're going to grow it, and
especially when you're self employed, and you know, I have
people that work for me, but it's pretty much just
me that does the entire operation.

Speaker 12 (31:55):
How am I going to improve? And so for my
goal for twenty twenty six is to be able to
ship doors nationwide, so you can call work with us
over the phone, email and all that, and we can
get your door order going and then we'll just ship
it to wherever you are. You'll have to install it,
but we can walk you through that well.

Speaker 5 (32:13):
Or you have people in place in these various places.

Speaker 12 (32:18):
A lot of people nationwide when have been contacted me,
they're doing a renovation or a new construction and they
have a contractor on board, so I would just work
with them on how to install it.

Speaker 5 (32:28):
We're talking with Pam Miller. The company is Mirabella Doors.
And as far as you mentioned the trend a little
bit going away from the iron, that was very big.

Speaker 11 (32:38):
Mm hmm.

Speaker 5 (32:39):
Yeah, I'm going to I want to see one of
those pivotal doors after the show. I'm going to get
on the website because that sounds interesting. But how much
notice do you get or are you a creator of
the trend? Being in this business? But how do you
notice these trends as they go along? Like can you
foresee what's happening in twenty twenty six? What are the people?

(32:59):
What do people?

Speaker 11 (33:00):
I think?

Speaker 12 (33:00):
So it's just really comes down to demand. It's what
homeowners are looking at homes all over the world and
what we're doing. You know, there's Hollywood, Beverly Hills, Miamis,
the Hampton's and you know all those higher end areas.
But you can kind of see what people like. And

(33:22):
so it's interesting that you said that because although that
hand forged iron really has fallen out of favor in
the past seven years, I see it it's coming back slowly,
but it's crawling back in.

Speaker 5 (33:36):
Well. It's interesting. I watched a very old movie with
Carrie Grant and Grace Kelly to Catch a Thief, and
they were in the French rivi Era, and some of
I was noticing the doors.

Speaker 11 (33:46):
Mm hmm.

Speaker 5 (33:46):
Maybe that was because you're going to be coming on
the show, but I'm noticing these doors like you're saying
with the iron and these beautiful castle like structures. Yeah, Pa,
before we close this segment, what else you want people
to know?

Speaker 12 (33:56):
We are a custom door kind of company that can
design and create any hand forged iron or steel door
that you may have in mind, and we would love
an opportunity to work with you.

Speaker 11 (34:07):
It's a very simple process. Just give us a call.
It just starts with phone call.

Speaker 12 (34:11):
The phone number is seven one three two five two
six five zero eight seven one three eight two five
two six five zero eight.

Speaker 5 (34:20):
Am Miller, thanks for being with us on the website again.

Speaker 11 (34:23):
Is Mirabelladores dot com.

Speaker 5 (34:25):
Thank you.

Speaker 14 (34:26):
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,
contact Stuart Insurance to be confident your brokerage can withstand

(34:49):
these risks. Stewart Insurance eight six six seven ninety eight
twenty eight twenty seven Stewart Insurance dot Com that Stuartinsurance
dot Com are called eight six six seven ninety eight
twenty eight twenty seven.

Speaker 5 (35:02):
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 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

(35:22):
he is John bramblet was Stewart Insurance. John. Welcome, Thank
you Bill. Always a pleasure opening doors. First impressions, it's
it's it's always exciting to see what's going to happen
here on the show.

Speaker 15 (35:34):
It is we need to have a segment on insuring doors.

Speaker 5 (35:38):
Well, well that's part of what's insured with the home
and we go from doors to insurance. It's a perfect segue,
perfect segue.

Speaker 15 (35:46):
So we're going to continue our series today. So this
is installment number five in our key insurance Indicators, and
today we're going to talk about watercraft.

Speaker 5 (35:56):
Oh I love that.

Speaker 15 (35:57):
So you know Bill, you know you've got several boats,
so this will be helpful for you. And we're talking
about ensuring your your fleet to fleet Yeah, jet skis too,
jet skis too, Yes, yes, exactly. So again there's gonna
be five plus one key indicators that we're going to
talk about today. So number one is the type of coverage.
So we always begin with liability and that's the most

(36:20):
critical one that you want to be able to make
sure that you're protecting any potential bodily injury. So if
somebody you were to hurt somebody or property damage, you
were to damage their property, you want to make sure
that you've got a liability coverage. Within that same discussion,
you want to look at hull coverage or sometimes you'll
hear it called physical damage. So if you were to

(36:40):
collide with another boat or to another object, that that
would help you know with the cost of that damage.
You want to have comprehensive and it's similar to what
the comprehensive coverage is for your automobile, So anything non collision,
so theft, weather related fire, that's where the the collision

(37:00):
would come into play. Also, similar to your auto, you
would want to have under insured or non insured coverage.
So if if you would be hit by another boat
and the person that on that boat didn't have insurance
or it wasn't enough, then you would have some coverage
there to offset that expense. And then medical payments are
nice to have that you can just offset the costs

(37:23):
of any medical payments that you might have or one
of your passengers might have. And the other two that
are nice to have within the the types of coverage
are personal effects, so any damages to your personal belongings
like fishing gear or electronics. Clothing generally excludes cash, so
don't be carrying a bunch of cash on your boat bill.

Speaker 5 (37:42):
I don't usually do that.

Speaker 15 (37:43):
And then towing assistance, so you know if you need
help you're out on Lake Conroe and you run out
of gas, they can tow you in, or your battery dies,
they can bring a battery to you, so you know
those are the kind of the areas you would want
from a type of coverage. The second area we want
to look at or claims. So there's two ways that
you can set up your claims coverage. One is a

(38:03):
greed value, and many times it's going to be for
a higher valued vote, but the insured and the insurer,
so the consumer and the insurance company agree on a
value of the vote, so if it were ever to
be totaled, we know what we would pay out, so
there's not any concerns that you agree up front that
if the vote's totaled, this is what you're going to

(38:23):
get in return. If it's an older vote, or if
you want the premiums to be a bit lower, then
we'll look at actual cash value. And again that's where
before the insurance company pays out, they'd appreciate or take
in consideration in the age of the vote before they
make any payments out. So there's a couple of options there.
You can do a greed value or actual cash excuse me,

(38:44):
agreed upon price or an actual cash value.

Speaker 5 (38:49):
Interesting that stuardent insurance the world of insurance as you're
helping people, there's all the categories of insurance and it's
so great you're doing the series, John, because you're hitting
all the important things that we need to know about
in insurance.

Speaker 15 (39:02):
Well, and we're in watercraft is critical just because if
you think about where we live between Galveston Bay, the
Gulf of Mexico, Clear Lake, we've talked about Lake Houston today,
Lake Conroe, so we've got a lot of areas where
we can boat and participate in. So it's nice to
be able to have some options on your coverage. The
third area that we like to talk about our restrictions
or exclusions. So there are going to be some situations

(39:25):
within the policy that's going to say you cannot do
this or we're not going to cover this. So for example,
in some instances, there may be some exclusions on where
you can write, drive your boat, where you can navigate it.
So there may be some exclusions there a lay up period.
So sometimes if we have an you know, we don't
really have off seasons in the Greater Houston area, but

(39:48):
if you were up in Minnesota, you're going to have
an off season where you're not going to be able
to take your boat out because of the you know,
the lakes of frozen so you can get lower premiums
during that lay up period if your boat stored. Now,
the downside of that is if you have a layup
period and you decide to use your boat and you
have an issue, there's a chance that the claim would

(40:09):
be denied because you you would agree that you would
not be using it during that period. But that's another
one that we can take a look at, is that
lay up period. And then there are just some general
exclusions that you would expect. You know, they're not going
to cover normal wear and tear. They're not going to
cover anything that's maintenance related or a manufacturer's defect or
a lack of maintenance. So if you didn't if you

(40:31):
didn't change your oil in your boat bill and you
ran it, that's on me, that's on you.

Speaker 16 (40:35):
Yeah.

Speaker 15 (40:35):
The other things that we want to look at. A
couple of the things are the costs of the coverage,
some things that can come into play, and experienced yachtman
like yourself, you're going to get a more favorable premium
or cost of the insurance.

Speaker 5 (40:48):
And somebody have a reputation on the seas you do.

Speaker 15 (40:51):
Captain, you know, I call you the captain for a
reason exactly. You can look at some things on the deductible.
You can look at ways of as we've talked about
before about combining your home in auto with the same company,
you can do that with your boat as well in
many cases, so combine your boat and your home with
the same company. That can save some money. The type

(41:12):
of boat, the size of boat, the age of the boat,
what its horsepower is, that can all affect affect the
cost of coverage. And then requirements. There are some states,
for example Arkansas and you told that require you have
to some level of liability, or if you were to
have a loan on the boat, maybe that the company

(41:37):
that's provided that loan, they may require that you have
some coverage. Or if you store it at a marina,
there are some marinas that require that you have coverage.
But those would be the five areas that I think
are key insurance indicator when it comes to the watercraft.
And then the plus one is this is a drumroll
plus one. The plus one is if you do want
to have that watercraft coverage, we can help you with

(41:58):
that at Stewart Insurance.

Speaker 5 (42:00):
And that's right as you describe here. In the local
listening areas, people hear the show, and on the weekends,
a lot of times they're hearing the show at the
time of broadcast on the boat. They're on the boat,
they're on their way back from the lake and all
those things. But I was recently up in lake. It
was Okatchee Lake in Wisconsin, and I was on this

(42:20):
beautiful home, plenty of water toys right there on the dock,
and as I looked, I was with some friends there,
I'm looking at the lake. I'm saying, this is fantastic.
I said, but you're talking about off season. Well, in
these northern areas and others, they use the lake all
year long. They ice fish when it gets cold. At
that particular lake, they ice fish, they ice skate, and

(42:42):
there's a declaration who is ever in charge of the
lake that says now the lake is frozen enough where
you can there's a safety check, a protocol.

Speaker 15 (42:51):
And they would be one where the lay up period
would make sense because they're not going to use their
jet skis in the winter months. They're not going to
use their boat in the winter months. They're gonna store them.
So they could save some money on their premium by
having that lay up here. Because they're going from using
jet skis in a boat to using snowmobiles to get
out to do their ice dishinkly.

Speaker 5 (43:10):
In fact, as I made it. You know, I make
friends everywhere I.

Speaker 15 (43:12):
Go, everywhere you go, because you are Captain Bill.

Speaker 5 (43:15):
Right as I was up there, I've made a lot
of friends in Wisconsin, and now they're listening to the show,
so they could be hearing these very words and going
to be calling Stewart and trure.

Speaker 15 (43:24):
Well, I think all of your friends need to be
giving me a call tomorrow and letting me know that
they need some help with their watercraft insurance. And we'd
be happy to do that.

Speaker 5 (43:31):
Because people hear this show not just in Houston but throughout,
and Stewart Insurance is serving people in Wisconsin, Michigan, LA,
all over the place.

Speaker 15 (43:40):
Absolutely, we work with both families, individuals and their real
estate businesses all over the US.

Speaker 5 (43:45):
It sounds good, John, What else should we know?

Speaker 15 (43:48):
Well, if you'd like to be properly insured, and all
that simply means is that you have the right coverage
for where you are in your life, based upon your needs,
and you understand what is and is not covered, then
in our world you're properly insured.

Speaker 5 (44:00):
Like to do that.

Speaker 15 (44:00):
Whether it be for your watercraft or your home, your auto,
your real estate brokerage, your property management firm, your independent
title and attorney agent. We can help you with that
and you can reach us at eight sixty six seven
ninety eight two eight two seven. That's eight sixty six
seven ninety eight two eight two seven. You can learn
more about us at Stuart Insurance dot com and email

(44:21):
us at Stuart Insurance at Stuart dot com.

Speaker 5 (44:23):
And John, if someone is in Wisconsin listening, what numbers
should they call?

Speaker 15 (44:27):
The Wisconsin hotline is eight sixty six seven ninety eight
two eight two seven.

Speaker 5 (44:31):
John, Thanks for being with us as always a pleasure.

Speaker 10 (44:33):
Bill.

Speaker 5 (44:35):
As we continue, business development people for Stuart Title are
all over Houston and beyond. We have Hope Moy here
and we have a brand new business development officer that
Hope's gonna tell us about. Her name is Adeline McNeil. Ladies,
welcome to the show.

Speaker 16 (44:51):
Hey, it's great to be here.

Speaker 10 (44:53):
Hey Bell, good to see you.

Speaker 5 (44:54):
Well, Hope, you did great work because you brought I
saw the Facebook and all the posts about Adeline on board,
and you brought her here.

Speaker 10 (45:02):
I mean, she is here today at the radio show.
She was super excited to come meet you.

Speaker 5 (45:06):
And here you are, Adeline on the radio. Is it
your first or second week with Stuart Title?

Speaker 16 (45:12):
This is my first month, so I think today mark's
my fourth week starting and it's been absolutely great so far.

Speaker 5 (45:17):
It's a great company. We're glad to have you. Let's
tell people about the offices that you're going to be
serving for Stuart Title.

Speaker 16 (45:23):
Yeah, so I serve two markets. I'm under the Woodlands
and the Willis offices.

Speaker 5 (45:28):
And Woodlands is so beautiful up there, and you're going
to be helping all the people up there.

Speaker 11 (45:32):
It is.

Speaker 16 (45:32):
It's been great to spend a lot of time up there,
and Willis is a great community as well.

Speaker 5 (45:36):
And what so far? What is your most exciting thing
other than being on the show today, What has been
your most exciting thing here at Stuart Title so far?

Speaker 16 (45:44):
Well, you know, I was going to say the radio show,
but I will say just meeting me right, well, just
meeting new people, getting to introduce myself and just shake
hands with a bunch of different people. You know, Realders
wear so many hats and I think that they're so
you know, educated, and it's really cool to learn more
about what they do in their day to day life, and.

Speaker 5 (46:01):
You will be a great resource for them. Let's tell
people about how they can reach you, Adeline McNeil.

Speaker 16 (46:06):
You can reach me at my cell phone which is
eight three two five four four one eight eight seven.
And that's eight three two five four four one eight
eight seven.

Speaker 5 (46:15):
So you I hope you've trained her well already, I
think so hope.

Speaker 11 (46:18):
The double phone number the double phone number.

Speaker 5 (46:21):
Sometimes we go triple. But in the meantime, let's tell
people your two offices are.

Speaker 10 (46:25):
So I am in the Magnoia Conro offices Magnoia off
of fourteen eighty eight and twenty nine seventy eight. I
have three I'm sorry, two ESCRO officers there in that office.
And then in Conro off of three thirty six and
one oh five, and I have three ESCRO officers there
as well.

Speaker 5 (46:42):
And what's the longitude and latitude? No, just kidding, So
let's tell people marth Le's go north west. You'll find
Hope right there with great ESCRO officers.

Speaker 4 (46:52):
Hope.

Speaker 5 (46:53):
How can people reach you?

Speaker 10 (46:54):
They can call me at three four six two two
four one nine zero eight. Again the number is three
four six two two four one nine zero eight.

Speaker 5 (47:03):
Thank you, and once again Adeline, welcome aboard. We'll hope
to see us, see us soon. Bringing mind some guests.
All right, thank you, and now we have Miranda Box
back with Red Door Realty and Associates and Stephanie Hale
talking money with Traditions Mortgage Group Ladies. Welcome back. First
of all, Miranda. A final thought, what should people know

(47:24):
about the real estate where you're helping them?

Speaker 6 (47:26):
So my final thought would just be, don't be scared.
If you're concerned about what's going on in the market,
contact me specifically at eight three two seven zero seven
six seven zero eight and we can talk about what
your options are and see what the numbers look like.
And reach out to Stephanie and see, you know, if
this is something that you should be so scared about.
Most of the time people find out that it's not scary.

Speaker 5 (47:48):
I don't think it should It shouldn't be scary. In fact,
let's let I should be exciting to make a purchase
such as a home, because a home is so important.

Speaker 6 (47:56):
Absolutely, but so many people have spent so much time
thinking it's not an option for them and it's just misinformation.

Speaker 5 (48:03):
Well that's why we're here today. Let the word go
forth right, Stephanie, Yes, absolutely, well, let's tell people crazy
the puisition. What else should we know?

Speaker 8 (48:10):
Yeah, my final thought would be in that is to
keep optimism about the market. So a lot of people
and media shows that you know, the FED rate dropping
is going to have an insidt effect on mortgage rates,
when in fact, the mortgage rates have already balanced that
in So in the last thirty days, mortgage rates have
come down twenty five basis points, which is the expected
cut that we're going to hope to see the FEDDU
in September. So just keeping that in mind, you mortgages

(48:33):
are done in advance, and so the rate that we're
offering today is where we're anticipating the market will be
at close.

Speaker 5 (48:38):
And let me ask you this. As far as you
get to see families and individuals and people that are
in business for them, you see the finances, you see
their DNA of the good, the bad, and whatever. Right, Yes,
if you've learned anything in the world of finances, and
you've learned a lot, what would you how would you
advise say a teenager coming up in terms of a
good money tip that you've learned of what to do

(49:00):
or what not to do.

Speaker 8 (49:01):
So I would say to one, save money every paycheck,
start that habit very very young, budget yourself that way,
and to establish credit early and be very responsible with credit.
Debt is not always credit, but you need credit to
go forward and purchase your home and year older.

Speaker 5 (49:17):
Stephanie Heyl, Stephanie, Let's tell people how to reach you.

Speaker 8 (49:20):
Yes, I can be reached at eight three two eight
five three five zero zero three eight three two eight
five three five zero zero three.

Speaker 5 (49:27):
And Miranda, how can people reach you at Red Door Realty?

Speaker 6 (49:30):
You can reach me on my cell phone at eight
three two seven zero seven six seven zero eight. And
again that is eight three two seven zero seven six
seven zero eight.

Speaker 5 (49:40):
And your name is easy to remember, Miranda Box.

Speaker 7 (49:43):
Yeah, pretty simple, very simple.

Speaker 5 (49:46):
Thanks for being with us, ladies. Thank you, Ziiah, Veila
and Heather Groom are back as we continue, ladies, welcome.

Speaker 4 (49:56):
Back, thank you, good to be back.

Speaker 5 (49:59):
All right, So, as a riot before we close things down,
what else do you want people to know?

Speaker 1 (50:03):
Right now is a great time to get with your
trusted realtor start talking to them about if it's if
your first time home buyer, about the process and getting
to know the process. It's a little bit scary, but
it's all can be done. And you know September the
rates are about to drop, so you can start getting
into getting qualified.

Speaker 11 (50:25):
Yeah.

Speaker 5 (50:25):
I want to get into buying mode right now.

Speaker 1 (50:28):
Yeah you can. Right now is the time to talk
to your trust, your realtor and see where you're at.
Come September of the rates drop, you're going to get
in with those great rates.

Speaker 5 (50:37):
Sounds good. How can people reach you?

Speaker 1 (50:39):
Eight three two ninety six six one five three three
eight three two ninety six six one five three three.

Speaker 9 (50:45):
Just to trust the process, trust your realtors, try all,
Heather says, call me, yes, absolutely, call anybody of our
on our team. They can guide you through any of
the mortgage options.

Speaker 5 (50:56):
Sounds good, Heather, what's your phone number?

Speaker 9 (50:57):
Eight three to two seven ninety seven nine sixty eight
eight three two seven ninety seven, nine months sixt eight.

Speaker 5 (51:04):
Thanks for being with us, ladies, Thank you for having
us once again. We get to talk about doors as
a final thought. Right here on the show. Pam Miller
is back. First impressions, opening doors into opportunities. I could
go on, but I won't. Pam, welcome back. Thank you
so what else should we know before we You mentioned
something about Instagram where people can learn more what's going on.

Speaker 12 (51:25):
Yes, if you follow us on Instagram, that's a great
way of seeing what we do day to day. Sometimes
we're featuring our installers installing doors, finishing doors. It's just
a great way to learn a little bit more about
Mira Bella Doors in our process.

Speaker 5 (51:40):
Marabelladores dot com, Right dot com, easy to remember Mira
Belladors dot com. I like the website because you could
see all the different some of the examples of the doors.

Speaker 11 (51:51):
Yes, thank you very much.

Speaker 12 (51:52):
We actually just redd our website last year, so I'm
happy to hear that you like it.

Speaker 5 (51:56):
I'm very excited about it. Are you on Facebook?

Speaker 12 (51:59):
We perhaps are more via Instagram than Facebook, but we
do have a Facebook presence. Whatever goes on Instagram typically
goes on Facebook.

Speaker 5 (52:07):
And let's tell people how to reach you if they
want to give you.

Speaker 12 (52:09):
A call seven one three two five two six five
zero eight or seven one three two five two six
five zero eight.

Speaker 5 (52:16):
So if you're listening out of Houston, you're going to
send a door maybe even in Wisconsin, California, they could.
They can go anywhere.

Speaker 11 (52:23):
Yeah, we can go anywhere in the United States.

Speaker 5 (52:25):
Pam Miller, thanks for being with us.

Speaker 11 (52:27):
Thank you for having me, and thank you.

Speaker 5 (52:29):
All for listening to real estate matters with Stuart Title.
I'm your host, Bill Nampick. And also we talked about
business development officers. You didn't get to hear from Jeremy Ragsdale,
who's doing tremendous work in the Kingwood area. That's right.
He brought great guests here on the show, as well
as Becky Bohannon right there in Tomball President's Club. She's
doing all kind of great things. She brought Pam Miller

(52:51):
on the show, so it's awesome. So once again, Bill
Nampick and John Bramblett, together with all of us at
Stuart Title and Stuart Insurance, we'd be hon he be
stewards of your real estate transaction. Just reach out to
us at any Stuart Title location right here in Houston,
Texas or beyond as we're an international company traded on
the New York Stock Exchange as STC and of course

(53:13):
Stewart Insurance dot Com. We'll see you next week. Thanks
for listening.

Speaker 14 (53:18):
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. Contact Stuart Insurance to
determine if your business is properly insured. Visit Stewart Insurance
dot Com are called eight sixty six seven ninety eight
twenty eight twenty seven. Visit Stuart Insurance dot Com are

(53:40):
called eight six six seven ninety eight twenty eight twenty seven.
When it comes to real estate, everything matters whether you're
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