Escrow Officer, Roofs & Real Estate

Great variety on this episode!

Episode Transcript

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

Speaker 2 (00:14):
Whether you're a real estate broker, realtor homeowner, buyer or seller,
everything matters when it comes to real estate. This is
Real Estate Matters with Steward 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
Steward Title, brought to you by Stuart Insurance. Here to inform,

(00:38):
entertain and inspire. Bill Knapek, everybody, Welcome to the show.
It is Real Estate Matters with Stuart Title. I'm your host,
Bill Nappick. Welcome to show number five ninety nine.

Speaker 3 (00:49):
Yes, just one show away from six hundred. That'll be
next week. But we're glad you joined us here on
the show. Another real estate radio adventure. As always, if
you want to see this show again, we make a
YouTube video so you can actually not only hear it,
but you could see it simply go to Stuart dot
com Forward Slash Radio. That's Stuart dot com Forward Slash Radio.

(01:13):
In addition, you could also go to the show archive
at radio Bill the YouTube channel Radio Bill. And not
only again you can see this show, you can access
hundreds of shows last weeks and all that. So easy
to do Radio Bill. And let's get started as we
welcome Tony Kramon and Crystal Ambery. They are with Kraman

(01:37):
Lox Realty Group. There you go. How about that? Ladies?
So I mean I was gonna ask you if you sing,
but right there, that was so beautiful. Just one more.

Speaker 4 (01:46):
Time, Kraman Lox Realty Group.

Speaker 3 (01:49):
All right, what a way to get started. So awesome. Well, Tony,
you are Tony Kraman. So let's tell people about the team.

Speaker 5 (01:55):
The group, kram and Luxoryty Group was founded in twenty
We are a boutique real estate team and we focus
primarily in Montgomery County. We help clients buy, sell and
least as well as invest.

Speaker 3 (02:12):
And for those outside of Houston, let's remind people Montgomery
County because it's a little bit different. We would say
what the northwest of Houston, north northwest. But let's tell
people some of the distinctions of Montgomery County because it
is a unique place.

Speaker 4 (02:27):
It is unique.

Speaker 5 (02:28):
Montgomery County is in North Houston, and the cities up
there are primarily the Woodlands. Conroe, Willis Montgomery, Magnolia.

Speaker 3 (02:39):
And Conroe is a big one where people hear about.
People hear about the Woodlands all over the place, but
certainly Conroe was right there too.

Speaker 4 (02:46):
And Conrade is growing.

Speaker 3 (02:48):
Yes, well, Crystal Ambery, so you are with the group.
Let's tell people your role on what you're doing on
the with the team.

Speaker 6 (02:57):
Tony asked me to join her team, and I was
excited to do so. She is a great leader. She
is very educated on the real estate industry and she
makes sure that I'm the same. She pushes me to

(03:21):
level up every day. And I couldn't be prouder to
be where I am.

Speaker 3 (03:26):
And it's always fun in real estate. I mean, some
people work by themselves, but it's great when you have
the team and the and the balance and work off
each other so to speak.

Speaker 5 (03:36):
Yes, we work very well together. Crystal has been a
great asset to the team. She helps with buyers and
sellers as well as you know leases. We've just had
a really good job together and we hope to grow
our team.

Speaker 3 (03:50):
Well right now, Tony as far as buyers and sellers,
and I also want to get to the leases because
that's something something that we don't get to talk about enough.
But with the buyers and sellers, are you working with
more buyers or more sellers right at this moment?

Speaker 5 (04:03):
Currently, we're working with mainly buyers. We have a lot
of first time home buyer clients, so we think that
the market right now is well not We think it's
shown us that this is very much a buyer's market.

Speaker 4 (04:18):
So a lot of our clients right now are buyers.

Speaker 3 (04:20):
And I would think that's a nice thing if I'm
in the buying market or just get into it and
I consult with you or Crystal and say you got
you have some good news to give the buyer that
it is more of a buyer's market right.

Speaker 6 (04:31):
Yes, absolutely, especially with new home construction, they have many
incentives for buyers. A lot of them are paying closing
costs for their buyers, so it's it's I feel that
new home construction is pretty much the way to go
for a first time home buyers.

Speaker 3 (04:51):
And I'm glad you brought that up because in the
Montgomery area. I know a while ago there was a
lot of new home construction and a lot available for people. Well,
but it's still like that right now, Crystal.

Speaker 6 (05:02):
Yes, absolutely all over the Montgomery County area. So whether
you're looking to live off of fifty nine in the
Porter area fourteen eighty eight Magnolia close to forty five,
which is anywhere from Conroe to Spring, there's homes available.

Speaker 3 (05:25):
What's nicer than moving into especially after being in a
home that's a little older. But I think it must
be really nice to open the keys to the brand
new home. New home smell right, just like a new
car smell. People love it, right, Crystal.

Speaker 6 (05:39):
Yep, they sure do. They get a sense of accomplishment
for both us and the buyers. I think it's good
for their families, the little ones to see, Okay, mom
and dad have purchased this house. We're in something brand new.

(05:59):
Everybody likes bran new. They get to choose their rooms,
they get to We like to buy closing gifts for
our clients, so a lot of them, especially Tony, she's
a big gifter. You know, Hey, if you get a
new trampoline in your backyard, like that's that's big for them.

Speaker 3 (06:16):
Big gifts, Tony, that's awesome. So and one of the things,
as far as we've heard it before, but the new
home builders, they are offering some extra incentives at this
point in time because, like you said, Tony, it's a
buyer's market.

Speaker 5 (06:31):
Correct, it's a buyer's market, and a lot of the
new construction builders are offering like special rates to help buyers,
you know, kind of be able to afford their new
monthly payments. They're offering closing costs a lot of them.
The new homes come with all of the appliances, so
really all the buyer has to do is bring their
clothes and the home is ready to go.

Speaker 3 (06:51):
That's pretty awesome. So as far as sellers, let's talk
talk a little bit about a seller that might be
in I don't know, pick a town, maybe Conroe, or
if we're in the Woodlands and someone's wanting to sell
their home, a family or individual. How are you counseling
the sellers right now in the marketplace, Tony, Well.

Speaker 5 (07:08):
I think the main thing in today's market is to
make sure that you price the home accordingly. If your
home is overpriced, it's going to sit. So we need
to make sure that we price it competitively. That would
be my main advice for sellers.

Speaker 3 (07:23):
And as far as when you have a seller in
the marketplace again either one of those Montgomery areas. Is
there a common reason people are selling these days? Are
you running into anyone that's leaving Houston or the state Texas?

Speaker 5 (07:41):
I'm not really running into anyone that's leaving the state.
A lot of people want to downsize, so you know
they're moving into something you know the kids, the kids
have grown up and they want something a little bit smaller.
I don't have a lot of clients moving out of
the state, but I do a lot of clients that
are moving into Houston.

Speaker 3 (08:00):
And you run into these people moving into Houston. Yes, yes,
And how do they find.

Speaker 4 (08:07):
Cram and lux Thrillty Group.

Speaker 5 (08:11):
I've helped clients move from New York, Alabama, California, and
they mainly find me through referrals from other agents or
even on social media.

Speaker 3 (08:20):
To me, that would be part of the excitement to
know that here you are working and marketing and doing
a great job for buyers and sellers, but yet here
thousands of miles away in New York, they find you
and you're able to help them.

Speaker 5 (08:35):
Yes, I just helped a family move here from New
York a couple of weeks ago.

Speaker 3 (08:39):
What city, by the way, Queens, New York. So the
actual New York City, because you know the New York
there's a lot from the Pennsylvania area. There's a lot
of beautiful country in the upstate parts of PA and
New York. So so, and then how do you work
amongst the team. Let's say you get somebody from far
away or another state, Crystal, what's the process?

Speaker 6 (09:00):
Most of the time, if they're looking to move into
the area, they've already done their research. Our main goal
is to match them with an area that fits their lifestyle,
their family, if they have a family, Lots of them
want to be in an area where the schools are good.

(09:23):
So we just try to make sure that they fit
where they need to for work and those types of things.

Speaker 3 (09:30):
And you mentioned at the beginning about leasing, right what's
going on in the leasing.

Speaker 5 (09:36):
The rental industry is pretty robust. We have a lot
of clients that are leasing at the moment, so the
rental industry is very active.

Speaker 3 (09:48):
Right now, give us a word as far as the process,
because we talk about selling here and buying and all that.
But in leasing, what's the process. Let's say I want
to get a I don't know, square foot home in
well pick on Conroe again, so what's the process? I
call you up, hey, I want to run a house
for a year. Is then what happens?

Speaker 5 (10:09):
It's very similar to the buying process. Yes, we have
a consultation. We sit down and we talk about you
know what your needs and your wants are, and then
we create a list. I curate a list of homes,
and then we make a plan to go out and
see those homes. We talk about things like credit, animals
and exactly what they're looking for in the lease home.

(10:30):
And then we do try to make a pathway for
home ownership because we don't want them to have to
lease indefinitely. But the leasing process is pretty much the
same as the buying process or the consultation.

Speaker 3 (10:42):
And then as far is that typical, is the one
year lease still a thing? Or can can we get
a two year or six month even or.

Speaker 4 (10:49):
Most of the time a one year lease.

Speaker 3 (10:51):
It's standard.

Speaker 5 (10:52):
It's standard, and that's what I recommend you know, just
so you can get acclimated to the home, the area,
the landlord recommend a one year lease to start.

Speaker 3 (11:01):
And the people from Queens, New York did they buy
or did they lease because the purchase they purchased, so
then they had time to find what they liked.

Speaker 5 (11:09):
Yes, we started in September and we closed in March.

Speaker 3 (11:14):
There you go.

Speaker 5 (11:15):
Yes, she made several trips to Houston. We looked all
over Houston, from Paarland to Cyprus to Conroe.

Speaker 3 (11:23):
Very interesting. We're talking with Tony Kramond in Crystal Amboree.
They are with.

Speaker 4 (11:29):
Kramon Lux Realty Group.

Speaker 3 (11:30):
I love that And now, Tony, before we close this segment,
what else you want people to know?

Speaker 5 (11:34):
Tony Kramon Lux Roalty Group is a boutique real estate
team in the Montgomery County area. We serve buyers, sellers,
renters and investors. We are very active in the community.
We are focused on real estate and making sure we
have or we provide a positive client experience. We live

(11:56):
in the community, so the community is very special to us.
We make sure that we give back to the community.
So that's just a little bit about Kramon Luxworldty.

Speaker 3 (12:03):
If someone wants to reach out to you, Tony, what
should they do?

Speaker 5 (12:07):
They can call me at a three two seven nine
seven zero one four five, or you can reach me
at Tony t O n I at Kramanluxroyaltygroup dot com
A three two seven nine seven zero one four five.

Speaker 3 (12:22):
And Crystal how can they reach you?

Speaker 6 (12:25):
My number is nine three six two zero seven zero
two five eight. Or you can also reach me by
my email at Crystal. That's christ A l at kram
and Lux Realty Group nine three six two zero seven
zero two five eight.

Speaker 3 (12:41):
And if someone forgot the name of your company, it.

Speaker 4 (12:44):
Is kram and Lux Realty Group.

Speaker 3 (12:46):
All right, guys, thanks for being with us, Thank you,
thank you. Here we go up on the roof with
Mark McGuire. His company is a one roofing Mark, welcome
to the show.

Speaker 7 (12:58):
Yes, sir, thanks for having me to be here.

Speaker 3 (13:00):
You know, roofs are everywhere Mark, I'm telling you like
you don't know. But roofing is also fascinating. It plays
a role in so much in terms of insurance, in
terms of keeping us protected, and we see roofs going
out in my neighborhood to going up all the time.
But let's tell people first of all about your company
and maybe a few company distinctions. As you're putting on

(13:22):
roofs all the time.

Speaker 7 (13:22):
You and the team, Yes, sir Ao and Roofie in
Construction LLC. We've been in business since March of twenty nineteen.
We just celebrated our seven year anniversary of our first
roof that we ever built. You know, the business as
was kind of static for about twenty to twenty five years,
kind of the same thing over and over, Vinson, repeat,

(13:43):
copy and paste, whatever you want to call it. But
it's went through some drastic changes of last year. You
know the majority of our work was insurance work and
now the majority of our work is retail work, which
is with the customer has to private pay and so
now you know, the first thing you have to ask
customers and of asking them to look at their roof as,
you have to ask them what they're deductible is. You know,

(14:04):
everybody used to carry one percent deductible in their home
for any kind of catastrophic event. They're having to carry
a three percent. Now some are even carrying five percent
deductibles just to lower the insurance premiums every month so
they can afford their mortgage.

Speaker 3 (14:18):
Well, it also seems too the roofing I'm thinking back
to at least two three roofs I've had put on
in my lifetime. But also the cost has gone up
from a material standpoint, and I would imagine even labor.
So right now, I'll give us an idea. Let's let's
take a standard roof in what are endures? No standard.

(14:39):
I know that there's no normal, but let's say there is,
and it's a twenty five hundred square foot home right
one floor, and it doesn't have anything complex. It's just
like a box, yeah, the roof. So that as a
starting point as an idea, what's kind of the beginnings.

Speaker 7 (14:58):
Sure, you know, I can give you the average price
of a roof. I mean it obviously depends on which
area of town you're in. Roofs are obviously bigger in
some sort of towns. You take a sugar Land, it's
probably gonna be a little bigger than a Pasadena. But
an average roof costs a home owner about thirteen thousand
dollars right now.

Speaker 3 (15:12):
So that's kind of an average right now. And it's
interesting too, as I look at pictures in real estate
and I read the Wall Street Journal, the homes, the
forty million, the seventy eight million dollar homes, it's like Wow,
that's expensive to buy a home. But boy, if you
ever had to replace the roof, that's got to be
sky high.

Speaker 7 (15:29):
Well it's kind of interesting because you pull up to
these homes and you're you typically assume like, Okay, you
got a three and a half million dollar home. The
price of your metal or tile or slate roof that
you have is not going to be a big problem
for you. But you'd be really surprised. People get surprised
when they get a six figure ticket for their for
their roof.

Speaker 3 (15:47):
So well, also, as far as roofs go, when's a
good rule of thumb in terms of maybe inspecting your roof?
How do we know Let's say we have a roof
that's maybe eight nine years old, give or take. Houston
into a harsh environment, I would imagine, maybe more so
than other places. But at what point do we know
if we need a new roof or maybe we just

(16:07):
need repairs. What's kind of the bullet points there?

Speaker 7 (16:09):
Well, your your roof is no different than your HVAC system.
It needs maintenance just like your HVAC system. Does you
know there is the Texas heat is merciless, It is
not forgiving. It is very hard on you know, roof jacks, penetrations, flashing,
all of those things have to be sealed. And that's
cealant is good for about five years. And so if

(16:33):
you have a roof that's over five years, you need
to at least get some eyes on it, get it
checked out, get some get it resealed, get a maintenance
as we call it done on the roof, just to
make sure it lasts you for the la life of
the shingle.

Speaker 3 (16:45):
So your company al one roofing. You're putting on roofs,
but you're also repairing and inspecting if someone wants to
make sure that things are okay.

Speaker 7 (16:53):
We repair and inspect a roof every day. Sometimes we
look at it and it's in great shape, and we
leave a business car and build a lasting relationship, and
sometimes we have to do some minor repairs. The manufacturer
warranty does not include every every piece on the roof
for the life of the roof. It's pretty much the shingles, okay.
And so when you have things like roof jacks, which

(17:16):
is what comes through any around any penetration that you
have on your roof, those things need some service and
they most likely will not last the life of the.

Speaker 3 (17:23):
Roof and the roof jack. Just to be clear, is
were those pipes to put it simply, those pipes that
stick out of the roof. Yes, And it's funny until
you look at your roof, you don't realize all the
pipes that you have sticking out there.

Speaker 7 (17:37):
Most houses have between bikes to twelve.

Speaker 3 (17:39):
There you go on the size, but on that pipe
that sticks out, these are the there's.

Speaker 7 (17:43):
A base, there's a galvanized metal base, and the galvanized
metal will last, but there's a ring that goes around
it that doesn't last as long. And there's also there
has to be a place to put the nails in
and ceiling has to go over those nails. And as
the real estate people would know that, that's the most
common thing on an inspection report when you're buying a home,

(18:04):
is they take pictures of the exposed nails. They just
need it just needs a tune up.

Speaker 3 (18:08):
It's good to know. So as far as in one
of the things I see in my neighborhood, correct me
if I'm wrong, but it seems like these homes that
are about twenty five hundred square feet when I'm walking around,
the roofers are up early in the morning, as early
as possible, and they're getting that. I'm amazed at the
speed and precision where I see roofers working and it's

(18:28):
like two days later the roofs on.

Speaker 7 (18:31):
Well, there's power numbers and you want to get that roof.
You want to get the tough part of that roof
done before it gets real hot, especially now that we're
coming into the summer months. You know, you want to
have the grunt part, per se done to that roof
by one o'clock.

Speaker 3 (18:45):
We're talking with Mark McGuire with a one roofing. The
other thing I'm thinking about Mark, is we're talking about
the heat coming up. There's hurricane season coming up, and
I purposely don't want to remember when that starts. I
know it goes till November, but I don't want to
think about it. But I'm thinking about it now and
thinking about it the other time. You would inspect if

(19:06):
we have a storm blow through here and it's going
to hit one area more than the other, but people
can reach out to you as well. If Hey, the
wind really blew, I need to have somebody, especially a
two story home where we can't get up on it ourselves.
They could call you to get an inspection to say, hey,
well we blue a few shingles off here. Everything's okay, right.

Speaker 7 (19:25):
Yeah, that's right. And I always you know, if there
a storm even gets close to there can be a
ten percent chance of a storm heating the golf and
our phone just starts blowing up. Because now it's a
top of mind for people, right people don't People like
to get their house painted. They like to get they
like to get new landscaping, they like to get all
the things that are really pretty. Nobody wants to mess
with a roof until they have to. And so you know,

(19:46):
I always encourage people to just have a regular maintenance
done on your roof. It will save you some headaches.
And if you have a good high wind rated roof,
a Cat one hurricane is not going it should not
affect it, but you have to take care of it.

Speaker 3 (19:59):
You got to be And again, my house is two stories,
so that prevents that creates another challenge for me the homeowner,
because I'm not going to get on the two stories.

Speaker 7 (20:10):
That don't get on that roof.

Speaker 3 (20:12):
I don't want to get on it. And I've seen
people go up there to inspect through the years or whatever.
And I had someone repair my jacks like a year
and a half ago, and I'm thinking, man, that is
so high up there.

Speaker 7 (20:25):
But anyway, well, the good news is technology is our
friend also, right, and you know it's we have we
have drones that we use. We have a licensed drone
guy in the in the company and if it's too
tough to get up there and do a physical inspection,
we can fly the drone and look. And that those
drones are amazing now, by the way, in case you
know they they they've come a long way in the
last ten years. They weren't as reliable before, but they're

(20:47):
they're spot on now.

Speaker 3 (20:48):
Also, the cameras are so good. It gets if you
got the right resolution, is so good. So what are
some of the other things we should know or people
know about roofing? And you mentioned maintenance. I think, as
you said, people don't think about it till they maybe
need a new roof, But maintenance is important. Are there
any warning signs that are going to tell us that
we need to have you come out there other than

(21:09):
maybe just a periodic Yeah.

Speaker 7 (21:11):
So one of the things that people ignored a lot
is cleaning out your gutters. What happens if you do
not people like me, I wasn't gonna call anyone's name out.
But if you'll keep your gutters clean, that will help
you around the perimeter of your Really, if the gutter
backs up, that means the water backs up. And when
the water backs up, it's sitting on the roof, that's right,
it's sitting in an area that is designed to have

(21:32):
water flow, not water set. And so a lot of
times what will happen is around the eve of the
roof you will get what you will get rotten decking.
And it's it's a very expensive repair.

Speaker 3 (21:44):
That's a good reason to KEI I never think about
my gutters.

Speaker 7 (21:47):
Yeah, I mean you know, and there's no there's not
really a gutter cleaning service per se. I mean that's
not really a big deal. Usually people have their landscapers
do it.

Speaker 3 (21:55):
So well. Another thing mark as far as we mentioned,
I mentioned eight nine years on a roof. How long
does a roof last? Typically no normal, I know, but
here in Houston, Texas, twenty years. Twenty years is a
good number. Twenty years okay, So I mean they say.

Speaker 7 (22:09):
Say it all the time, thirty years, shingle, fifty years,
single all that doesn't matter.

Speaker 3 (22:12):
It's about twenty Take a roof.

Speaker 7 (22:14):
In Deer Park, Texas, and it's gonna last twenty years.

Speaker 3 (22:17):
Geographically, where do you cover it?

Speaker 7 (22:18):
We cover the entire region, so all the way to
Waller County, Montgomery County. We actually have another office in
Montgomery County on Hony, Egypt and Magnolia are Our corporate
office is in Pasaden on the southeast side, so obviously
we cover the south Galveston County, Bresouria, Chambers County.

Speaker 3 (22:37):
Sounds good. Mark. Let's tell people how they can reach
you for a new roof, an estimate or repair and inspection.

Speaker 7 (22:44):
I'm gonna make it easy. Seven one three seven one
five roof seven one three seven to one five roof.

Speaker 3 (22:51):
Mark Maguire, Thanks for being with.

Speaker 7 (22:53):
Us, Mark, it is my pleasure. Thank you, Bill.

Speaker 3 (22:56):
And now we welcome Devionie Divin. She is our Escrow officer,
one of our ESCRO officers doing magnificent work every day
at Stewart Title in sugar Land, Texas. Welcome to the show.

Speaker 8 (23:12):
Hello Bill, how are you doing great?

Speaker 3 (23:15):
First of all, let's tell people ESCRO officer. It's rare
that we get an ESCRO officer. Onto show. So we're
so excited Kevin Davison invited you and that was a
stroke of genius. So let's tell people because it's kind
of mysterious, right, let's tell people what an escrow officer
does in case they don't know.

Speaker 8 (23:32):
Right, Yeah, a lot of times it's like, we fix
the problem. You don't even know that. You have simple terms.
We are the person that is signing your paperwork up
when you're buying or selling your house, so I'm the
notary that's stamping it. But a little deeper, we're searching
your title, making sure everything is free and clear when
the new buyers are purchasing their home, so you don't

(23:54):
have any problems with lien's in the future. Taxes that
haven't been paid, hoa that hasn't.

Speaker 3 (23:58):
Been paid, so many things.

Speaker 8 (24:00):
It's so many. I could go on for like hours,
to be honest.

Speaker 3 (24:03):
I mean, and that's the thing that astounds me. There's
so many details, right, so you have to be very organized.
And it's cliche, but every real estate transaction is different, right.

Speaker 8 (24:15):
Yes, one hundred percent.

Speaker 3 (24:16):
So when it comes in, what's the very first starting
thing where where they bring a contract, a Stewart title
to you right there in sugar Land. What's the first
thing you do?

Speaker 8 (24:26):
Yeah, So they'll email it over to me. Usually sometimes
they'll pop in and hey, here's a contract, and I'm like, okay.

Speaker 3 (24:32):
First of all, right, you get to meet them.

Speaker 8 (24:34):
Okay, all about relationships. I think relationships are so important.
So whether we get to see them in person, or
it's an email or a phone call saying hey, it's
coming in, we're saying thank you. And then a lot
of the times, if it's someone I've worked with already,
it's kind of quick, like, okay, thanks. You'll hear from
me in a day or two or today when I
get earnest money. But at first I'll just introduce myself

(24:57):
to everybody and let them know, Hey, I got the contract.
I'm the esc officer. I have an assistant. Her name's Renee.
This is her contact information. We're looking for earnest money,
option money. And then in a couple of days you'll
hear back from us again. We'll get our title work
back from our examiners and we'll tell you what we got.

Speaker 3 (25:16):
And again, there's so many things that come together because
in moving a bit forward, the very end, when the
closing takes place right. Yeah, so that's where the buyers
get the keys, right, the exciting part, the commissions are dispersed,
the sellers get their check. I mean, it all it
comes together like a Swiss.

Speaker 8 (25:37):
Watch, right, like nothing ever happened. Sometimes nothing does happen.
It's super easy, fast, no problems, no hiccups. But sometimes
it's like, oh we didn't all just sweat a little
bit there thinking this is never going to happen.

Speaker 3 (25:50):
Well, and and that said, every once in a while
there might be a detour in the road or and
when that happens. Is there any one thing that happens
on a regular base that might slow down the process,
or or even a surprise at the end when you
think it's gonna close and then here comes a surprise.
If so, is there anything that's a common thing that's like,

(26:10):
oh that, there's that again.

Speaker 8 (26:13):
I mean, I wouldn't say it's like obviously, like you said,
all transactions are completely different. But communications really important. So
listing agents if their sellers haven't communicated with them, or
if their listing agent hasn't communicated enough, like gotten enough
information from their sellers, there's certain things that might come
up that we just are not gonna know about. So

(26:35):
sellers have an extra SBA loan or they have some
kind of lean that we had no idea about because
nobody asked the question. So it might be something that
some payoffs take two days to get, some payoffs take
three months to get. It just depends on who we're
dealing with and how quickly you know, if we can

(26:56):
get the right person.

Speaker 3 (26:57):
What and what are you doing is for make it?
As far as communication, you said communication is so important.
So other than doing the details and all the different things,
what are you doing to make sure the communication is
right because that seems so vital.

Speaker 8 (27:13):
Yeah, So for me, I me personally, I like to
talk to people, Hey, what are you expecting for these agents?
Do you want me to call you every week and
let you know like there's no update or are you
the type like me if I'm not talking to you,
there's no it's it's good. We're on a downhill spiral.
We're there, we're going, we're getting to the finish line.

Speaker 9 (27:33):
Right.

Speaker 8 (27:33):
So for me, I like to just ask people, Hey,
this is how I do my business. And if you're not,
if you want me to call you, I'll call you
more often. That's totally fine. I'll email. I like to
tell people, hey, here's the commitment. In a day or two,
you'll get an email from US ordering HOA documents and

(27:55):
a couple of days before closing, sometimes a week if
I'm able to, depending on the train action, I'll say, hey,
this is what you should expect on the closing day.
We need a cashier, check, wire transfer, all that kind
of stuff. So I like to communicate as as early
on in the process as possible, but it's not always
easy to be early.

Speaker 3 (28:14):
And as far as let's take and through the seasons
in the years that go byther I'm sure there's different amounts.
But let's just say, in the last ten transactions that
you've worked with, how many might have been cash transactions?

Speaker 9 (28:28):
Oh?

Speaker 8 (28:28):
Wow, the last ten, I'd say probably about seven. I
feel like we have a lot right now.

Speaker 3 (28:33):
So there's a lot of So right now, the cash
is king.

Speaker 8 (28:36):
I had two that were closing a week cash.

Speaker 3 (28:39):
And you just answered the question I was going to ask,
with the cash we could we could close quicker? Right?

Speaker 8 (28:44):
Sometimes Yeah, if there's no HOA, then we're gold. Like
I'm there's usually not a problem. Our examiners at Stuart
are amazing. I don't know how they do what they do,
but I mean sometimes we get tied to work back
in a day when it used to be more like
a week, you know.

Speaker 3 (29:00):
So okay, then let's take the the other example of
a mortgage. A mortgage is involved, So how what does
that do to create my imagine it creates more work
for the whole process. But from your ESCRO officer perspective,
what does the mortgage when when the mortgage is involved,
what does.

Speaker 8 (29:18):
That for the buyers?

Speaker 3 (29:20):
For your for your workflow, what happens?

Speaker 8 (29:22):
Yeah, for the buyers, it really I have a few
extra documents I have to get together and then I
won't complain about my job, but you know, I have
to go back and forth with a lender quite a
bit to get to a balance closing statement, so it'll
add a little extra work. They the lender has a
whole nother job that I am so glad it's not

(29:42):
my job right too. There, So they do their job
and that's what takes ultimately a long time because they
have their own underwriters to get approval from. So that
adds I would say, an extra two three weeks to closing.
But you know, ultimately it's not too much extra work
except for your signing about five hundred extra pages class well, and.

Speaker 3 (30:04):
Then then you have another entity to communicate with.

Speaker 8 (30:07):
Yeah.

Speaker 3 (30:07):
Right, so it's really it sounds like you're in the
center of communicating, communicating all day long. Yeah, and you're
doing the work with all the various paperwork and documents.

Speaker 8 (30:17):
Yes. Yeah, it's hard to keep organized. You have to
be one of those, like we always joke, you almost
have to be add to be an ESCRO officer. You
have to be able to work on one next here
or there and stay organized.

Speaker 3 (30:31):
Well, let's say, with all your experience, if someone was
starting out as an ESCRO officer, what would what advice
would you give them to say, Okay, here's how you
stay here's my technique of staying organized throughout this process
as you go forward. Do you have a special technique,
because if you do, we could use it in our
other things.

Speaker 8 (30:50):
Yeah, definitely. Well, so my manager, Caitlin Karinik, she's the
branch manager in sugar Land, she taught me everything I
know and so she just basically gave me everything I needed.
So basically with the recipe, right, yeah, we have like
a flow chart that just lists everything that we're like
the basics of what we always need for closing, and

(31:13):
then you know, you look at the commitment and you realize, oh,
I need an extra thing, and I always just make
notes for everything everything I do.

Speaker 3 (31:21):
Now do you see as technology is rapidly changing, right?
Do you see that changing your process what you're doing
here this year versus what you did three years ago?

Speaker 9 (31:29):
Oh?

Speaker 8 (31:30):
Absolutely, I have a hybrid closing tomorrow with a lender.
So it used to be that I said five hundred
pages earlier, but really like one hundred and twenty pages
for your mortgage documents. It's still a lot.

Speaker 4 (31:40):
Yeah.

Speaker 3 (31:41):
Wait, wait, wait, wait, one hundred and twenty just for
the mortgage for.

Speaker 8 (31:43):
The mortgage documents, right, yeah, but now that's what it
was when I first started about nine years ago. Now
it's almost all of them are hybrid, and we have
about eight documents. You're in and out in fifteen minutes. Nice, Yeah,
it is nice. People love that. They don't want to
sit in the office for two hours on a Friday exactly.

Speaker 3 (32:05):
So you're staying organized. You have a you have a
formula to be able to exceed expectations at Stuart Title
sugar Land correct Devinie Divin doing tremendous work, right.

Speaker 8 (32:18):
Yes, sir, what is it you?

Speaker 3 (32:20):
Is it you love so much that you're doing it
over nine years now?

Speaker 8 (32:24):
Yeah. I just like the different personalities that you meet.
You know, even when I get someone that's really hardheaded
and difficult.

Speaker 3 (32:33):
And the people I got out there just a few.

Speaker 8 (32:37):
You know, in the moment you might get a little frustrated,
but then afterwards you just realized, Wow, I am so
lucky to be working with some really great people as well.
So I like to just meet new people and help
help people. You know, there's a lot of sellers who
need to get out of their house. There's a lot
of buyers who are first time home buyers. I love
taking pictures with them and just letting them know like, yeah,

(33:00):
hey you did it, and you have a great realtor
by your side.

Speaker 3 (33:02):
Usually I try it well. And that's the other aspect,
the psychological aspect of After the sale is closed, all
parties go on to the next chapter of their life,
including the scro officer.

Speaker 8 (33:14):
Yes, I'm crooking.

Speaker 3 (33:18):
So when you're not doing tremendous work at Stuart Title
sugar Land, how do you unwind? You have a hobby
or what's happening.

Speaker 8 (33:26):
Yeah, I have two step children fourteen and sixteen, and
then I have a two year old son, so they
keep me on my toes a lot of the times.
And then now is my favorite time of the year.
It's springs. I'm a gardener. I do like to get
in the garden.

Speaker 3 (33:41):
There you go. Sounds good. So let's tell people how
to reach you. I know they want to bring the
real estate transactions to Stuart Title, Devinie Devin. They want
to bring them right there to your Stuart Title in
sugar Land. Let's tell people how they can reach the office.

Speaker 8 (33:56):
Yeah, our office number is two eight one four seven
zero five zero. And then again office number is two
eight one four nine one seven zero five zero. And
then my email is d Divin at Stuart dot com.

Speaker 3 (34:14):
You know, I want to buy a house just so
I can bring the transaction to you. Now, I'll work
on it.

Speaker 8 (34:18):
Okay, Okay, I'm going to keep you on that one.

Speaker 3 (34:20):
Stuart Title, sugar Land. Everybody's gonna run there right now.
Thanks for being with us.

Speaker 8 (34:24):
Thanks Bill.

Speaker 3 (34:25):
Real estate matters with Stuart Title would not be possible
without our partner, Stewart Insurance with a focus in real
estate and a special focus on real estate brokers. Stewart
Insurance creates insurance plants who address the risk basing our
industry today. They invest a significant amount of time helping
real estate broker owners offset and manage their risk. Here
he is John Bramble was Stewart Insurance, Hotteyville. Well here

(34:48):
we are again, John, always a pleasure five ninety nine,
five ninety nine. Next week will be six hundred, next
week will be six should be fun. We have a
special guests aligned, so it's going.

Speaker 10 (34:58):
To be great, fantastic. I'm looking forward to it.

Speaker 3 (35:00):
But here we are today and it's insurance time once again.
What should we know.

Speaker 10 (35:06):
Let's talk a little bit about investment property.

Speaker 3 (35:08):
Yeah, so.

Speaker 10 (35:11):
An insurance company is going to make a determination on
the appropriate coverage for a piece of property based upon
how it's used. And we know that a lot of
our listeners buy homes for investment property. But many times
there's a confusion that if I'm buying a home for
investment property, since it's a home, my home insurance policy

(35:32):
will cover it. And a home insurance policy is great
if it's your primary residence and you're going to be
living there, you're the one that owns it and it's
your primary residence. But if you're in it's an investment
property they're going to lease out, for example, then you
would need to consider dwelling for our coverage. And that's
what I wanted to talk a little bit about today.

Speaker 3 (35:52):
Wow, that's it, And I think that's the thing too.
Sometimes people they're so busy doing things that if the
status of the property changes from one thing to another,
they forget. So it's good we're talking about it.

Speaker 10 (36:05):
Absolutely So it's it's you know, as the use of
the property changes, or who's using the property changes, or
how the property is being used, then that's going to
drive the coverage. So again, if you've bought a home
but you're going to lease it out, you can use
it as a long term investment property, you would want
to consider dwelling fire coverage. And what that does is

(36:28):
it allows you to let you know what is and
is not covered for that home. It's not going to
be as comprehensive of a coverage as home insurance because
you're really more concerned about the structure itself and not
so much the contents because that's generally going to be
the responsibility of the tenant. So there are several forms

(36:50):
that you can look at. There's a basic abroad and
a special coverage. And depending upon the age of the
home and how the home is being used, how often
the home is being used, and that many times will
drive whether we're looking at at a basic or broader
special coverage. So a basic coverage would be a name
perils policy, which we've talked about before. So it's gonna

(37:12):
list here are the perils that will cover, and a
peril is strictly as in the insurance term, is strictly
what's the root cause of damage, what was the initial
cause of the damage. And then it's gonna be an
actual cash value policy, so that means that they're going
to depreciate the property for its age before they make

(37:33):
any payments out. So in a basic policy, you're going
to look at things like fire, lightning, of vandalism. You
can add a windstorm in haale or those are the
kind of the basic perils that you would have. If
you want to move up a step up, then you
can look at a broad policy that's going to be

(37:54):
a name perils policy. So that's gonna be again it's
gonna list here are the perils that that will cover,
and nothing else will be but they'll it's but it's
going to be replacement costs, so it's a little bit
better coverage. So depreciation doesn't come into play. So whatever
the cost is to repair or replace at today's market value,

(38:15):
that's what they'll use versus depreciating for the life of
the home. So it's a bit more broader coverage, hence
the turn broad and then you can add things like
ice and snow or falling objects, frozen pipes, a sudden
water damage. Theft can be added. You can also add
loss of use, which is really nice. So let's say

(38:37):
you had that replacement, you had a rental home and
the tenant had to move out while you're doing the repairs,
so loss of use would basically cover some of the
loss of income. So sometimes you'll hear it called loss
of rent or loss of income, but it'll help offset
some of that loss of revenue while the tenant's out,
so that's always very nice to have. And then if

(38:58):
you wanted the special, that's going to be an all
perils policy, so that says we'll cover all perils except
for those that are listed in the policy. So that's
much more comprehensive coverage, and it has all the same
things that we talked about before, but it's just a
broader coverage, so it's much more comprehensive. The premium is
going to be higher, so the cost of the insurance

(39:19):
is going to be higher. So again, how often the
home is being leased, the size of the home, the
age of the home, and how it's being used can
all drive whether you want a basic broader special coverage.

Speaker 3 (39:30):
Yeah, I'm stuck on the falling objects, John, I'm imagining
what kind of things are and when you start to
think about there could all sorts of things could be
falling on the home.

Speaker 10 (39:40):
Or any kind of things.

Speaker 3 (39:40):
So yeah, something from a tree, something.

Speaker 10 (39:43):
From a tree, something gets blown onto the home. So exactly,
that's right. And then if you think about some of
the freezes that we've had over the last couple of years,
and you get that ice and snow and you've got
that heavy limb that maybe it's over the house and
that freezes and the limb breaks off and falls on
and damages the home. That's potentially where a dwelling fire
policy could come into play.

Speaker 3 (40:03):
It's a reminder of my own, it's time to trim
the trees too. By the way, it is because hurricane seasons.
Hurricane season, yes, don't tell me when it starts. I won't,
but anyway, so we got to be ready for anything,
and that's why we want to be properly insured.

Speaker 10 (40:16):
We do. And again, you know, the critical aspect is
understanding that you know when you're when you're making a
purchase for real estate, that that you have you spend
a few minutes with your insurance advisor and let them
know how you're going to be using that property. And
based upon again, based upon how you're using that property,

(40:37):
that's going to direct what the coverage is or if
that use changes. So let's say you decide to sell
your home bill and you're going to move away, but
it's going to take, let's say more than thirty days
to sell your home, so your home is vacant or
unoccupied for that thirty day period. At some point, and
usually after thirty consecutive days, the home insurance policy is

(40:58):
going to stop because that's more risk than they're willing
to take on. So then that's when you would want
to look at maybe a vacant home policy that could
last for the period that we think the home is
going to be vacant, so again, how the property is
being used in any changes in that use or lack
of use, then you can direct what the coverage ought

(41:19):
to be.

Speaker 3 (41:19):
And the reverse is true as well. So you know,
we may be moving from New York or something like that,
we buy the home, we're not ready to get there,
but it starts out for the first two months as
a vacant home policy, and then we move in, we
change it, we call up Steward Insurance.

Speaker 10 (41:33):
Absolutely, So it's just you know, let a letting us
know how you're going to be using the what you're purchasing,
how you're going to be using it, what your concerns are,
and from that then we can build a plan that
best suits your family's needs.

Speaker 3 (41:48):
Sounds good, John, What else should we know?

Speaker 10 (41:49):
Well, if you'd like to be properly sure, if you've
got some investment property you'd like to have some coverage on,
or at least maybe look at some options, we'd be
happy to help you out there. And you can call
the team at eight six six seven ninety eight two
eight two seven. That's eight sixty six seven nine eight
two eight two seven. You can learn more about us
at Stuart Insurance dot com or email us at Stuart

(42:10):
Insurance at Stuart dot com.

Speaker 3 (42:11):
And of course we remind people that yes we're right
here in the Houston area, the broadcast area. People are listening.
But hey, if you're in Indiana, North Dakota, South Dakota,
places where there's actually snow that mindfall on your house,
you're serving people all over the place there at Stewart Insurance,
we do.

Speaker 10 (42:27):
We have both families and business clients all over the US.

Speaker 3 (42:31):
Sounds good. The phone number again is.

Speaker 10 (42:34):
Eight six six seven ninety eight two eight two seven.

Speaker 3 (42:37):
Good to see you again. We'll see you next week.

Speaker 10 (42:38):
Always a pleasure.

Speaker 3 (42:39):
Bill, And now speaking of Montgomery County, serving Stewart title
as a business development officer in a magnificent way twenty
four to seven. Hope moyus here, Hope, welcome to the show.

Speaker 11 (42:50):
Hey Bill, good to see you.

Speaker 3 (42:52):
What's good to see you again? As always. Well, let's
tell remind people the two offices you represent.

Speaker 11 (42:57):
So I am in the and CONRO office. I have
two fantastic ESCRO officers in my Magnoya office off of
fourteen eighty eight, and I also have three in Conroe.
We have a newscer officer in Conro. Did I want
to tell you about it?

Speaker 3 (43:14):
We want to say hello to her too, because she's
probably listening.

Speaker 11 (43:17):
I know, I know I'm going to tell her to
listen for sure. But her name is Michelle Rogers. She
is in her third week in our Conra office and
she comes to us with twenty years of experience.

Speaker 3 (43:30):
Wow.

Speaker 11 (43:31):
Yes, I'm super excited to have her.

Speaker 3 (43:33):
Well, it might bring around the show sometime to visit.
But also is this a sign of the growth that
we hear about in Montgomery County and in Conroe?

Speaker 4 (43:42):
Absolutely?

Speaker 11 (43:43):
Absolutely, Conro's growing, Magnoya's growing, the Willins is growing all
of Montgomery County. You know, as Tony and Crystal said earlier,
there's a ton of growth. So we're excited to continue that.

Speaker 3 (43:57):
Very exciting. Hope. What else should we know?

Speaker 11 (44:00):
You know, we want to partner with you, We want
to work with you. We want to be a trusted
resource for all of our realtor lender partners. So you know,
we are just a phone call away, So give me
a call if there's anything I can ever help you
with resource wise, marketing tools, business growth, anything that that that.

Speaker 3 (44:19):
Entels and I mentioned Conro as growth, but Magnolia also
is unbelievable where it was. I remember people buying stuff
eight years ago. Yeah, I'm thinking, wow, that's far out.
But Magnolia is.

Speaker 11 (44:33):
I mean the u you know, the the growth from
forty five now all the way you know into the
Magnolia proper. And now there's Aggie Expressway that runs through there.
There's tons of new commercial, lots of community development plans,
so they're thinking about building and the well. They're working

(44:55):
on another high school, a new junior high. So if
that doesn't speak, you know, growth, I don't know what does,
because we're needing new schools. My number is three four
six two two four one nine zero eight. Again it's
three four six two two four one nine zero eight.

Speaker 3 (45:15):
And again we want to say hello to Michelle Rogers.
Hello Michelle right, Hope.

Speaker 11 (45:19):
Yes, hey, Michelle, welcome, Welcome to Stuart.

Speaker 3 (45:22):
Welcome to Stuart. Thanks for being with us.

Speaker 4 (45:24):
Hope, thank you so much.

Speaker 3 (45:26):
And now how sweet it is from sugar Land. Kevin
Davidson developing business in a tremendous way every day out there,
and he had the brainstorm to bring on Devine Devin
on the show. Escro office is a strokeer genius, Kevin,
way to go.

Speaker 9 (45:43):
I appreciate that she's she does an excellent job at
her office.

Speaker 3 (45:47):
Well, Kevin, let's tell people what's going on, not only
in Sugarland, but you're also leading the charge in Fort Benn.
What's happening.

Speaker 9 (45:53):
Yeah, So over in Shirland and Richmond. Our Richmond office
has had a facelift and we have some new employee,
Alissa Friedrich and I probably sad that wrong, but she's
been with us for about a month month and a
half now, Hello Alissa, Hello Alissa, And then Gracie and
Melissa are the Escro office over there, and in the

(46:14):
last few months it's taken off like crazy over there.

Speaker 3 (46:19):
Well again, there's so much growth everywhere in Houston, it
seems like, Kevin, but certainly in your area. And we
of course welcome all the above to the team, and
it's gonna be great as they're out there.

Speaker 9 (46:30):
Yeah, so we decided to jump in the car and
go west to Wharton County and go. Say, had a
whole bunch of agents out there, and they only had
a couple of choices of Escrow title companies and it's
it was a good It was a good idea. We
got a lot, a lot, a lot of new clients
and helping a lot more agents out there that we
ever thought we wouldn't.

Speaker 3 (46:50):
Sounds awesome. Well, you're doing a lot of classes, You're
doing so many things to help marketing with real estate agents,
also doing so many things to connect with the community.

Speaker 9 (46:59):
Every should write the date down April sixteenth. I believe
it's a Thursday day, April sixteenth.

Speaker 3 (47:07):
Right after the taxes are due, the fifteenth.

Speaker 9 (47:09):
The day after UH inviting all real estate agents to
come out to the Richmond office because we are having
our annual Crawfish boil, which is the largest party that
we threw every year.

Speaker 3 (47:21):
That sounds good. Let's tell people that again. The date
is April sixteenth, easy to remember, right after the tax day.

Speaker 9 (47:26):
From four to seven pm. And the Richmond office is
at two one one six Thompson Road in Richmond. Eight
three two sixty five four zero five two seven eight
three two six five four zero five two.

Speaker 3 (47:39):
Seven Kevin, thanks for being with us.

Speaker 9 (47:41):
Appreciate you, Bill.

Speaker 3 (47:43):
And now they are back.

Speaker 4 (47:46):
Group.

Speaker 3 (47:46):
All right, a little slow on the draw, but so
was I. Meanwhile, ladies, let's tell people what else should
we know? Remind them you're in Montgomery County working as
a team Tony Crystal Y.

Speaker 5 (48:00):
So not only do we live and work in Montgomery County,
we also give back to Montgomery County. We are both
animal lovers, so we support the Montgomery County Animal District
and we also have partnered with Kids Mills of Montgomery County.
We have also done events with the Forest Cottage Senior

(48:21):
Citizen Home, We've done Mills on Wills, and we recently
donated a basket to the Child Advocates Gala of Montgomery County.

Speaker 3 (48:29):
How do you have time to sell real estate? That's
amazing that you're connecting with the community in such a
tremendous way.

Speaker 4 (48:37):
It's very important to us to give back, and.

Speaker 3 (48:39):
Of course real estate goes hand in hand with helping
and connecting absolutely.

Speaker 6 (48:44):
And I also like to give back to four H
Firch Club. Yes, my daughter is a secretary of the
Willis four H Club and we just give back to
that just so that these kids can have their animals.

(49:05):
They you know, we donate different things. Just left the
Houston Livestock Show in Rodeo. We have the Montgomery County
Fair coming up so yeah, you can find us out there,
and Tony.

Speaker 3 (49:19):
As far as helping the animals, is that with the
four h or what what else you doing with animals?
Anything else?

Speaker 4 (49:24):
The animal the Montgomery County Animal Shelter.

Speaker 3 (49:27):
So that's dogs and cats.

Speaker 5 (49:28):
Yes, well dogs and cats, but I'm more of a
dog person. But you can walk their dogs and provide
supplies and different things.

Speaker 4 (49:36):
To the animal shelter.

Speaker 3 (49:37):
Do you have a dog?

Speaker 11 (49:37):
Dogs?

Speaker 5 (49:38):
Yes, I do have a dog, and I have won.
She gives a mini golden doodle. Her name is Teddy Low.

Speaker 3 (49:45):
I have a doodle too. You do a day without
a doodle? Courage? And actually does. He belongs to an
organization that reaches out to the community helping traumatized children
and other trauma situations. But I am his parent guardian

(50:06):
and his name's Courage and he along with the other doodles,
it's a doodle outreach, so to speak. But anyway, yeah,
doing tremendous work. But dogs are fantastic. Crystal. Do you
have a dog?

Speaker 6 (50:16):
I do not?

Speaker 3 (50:17):
Okay, Well have pigs? Well do you have pigs?

Speaker 9 (50:22):
Yes?

Speaker 3 (50:22):
There you go. Well that's on another show, ladies. Let's
tell people how to reach you.

Speaker 5 (50:26):
I'm Tony Kramond A three two seven nine seven zero
one four five Tony t o Ni at Kramanluxrealtygroup dot com.

Speaker 3 (50:35):
Crystal, what's your number?

Speaker 6 (50:37):
Nine three six two zero seven zero two five eight
Crystal christ Al at Craman Looksrealtygroup dot com.

Speaker 3 (50:44):
Sounds good. Thanks for being with us, ladies, because you.

Speaker 4 (50:47):
Are with Kramon Lux Realty Group.

Speaker 3 (50:49):
And now up on the roof, he's back. He's coming
down off the roof to speak to us for a
final time. Mark McGuire, You know, Mark, it dawns on me.
You have a tremendous wife and her name is Jana McGuire.
Should we say hi to her? She's just super awesome,
isn't she. Of course, she's the best of me, Jannah McGuire.
In the meantime, Mark, what else should we know? Roof inspections,

(51:12):
I need a new roof, all those things you can
help people.

Speaker 7 (51:15):
Yeah, let me just give one last word or something
that kind of was on my mind as I was
standing there is You know, it's been probably the worst
year for roofing in the last couple of decades. A
lot of companies have went out of business, a lot
of companies have had to merge or get bought out
to stay alive. I mean, obviously roofs aren't going anywhere,
so roofing isn't going anywhere. But it was a really

(51:36):
tough year. Pay attention to that when you're picking your
contractor right. They should have some reviews. They should have
a Facebook page, they should have a membership with the
bab reference, just to make sure they're still around when
you need warranty help, because it's Houston, you're gonna need
some warnty help. It's just the way it is. Seven
one three seven one five roof That's seven one three
seven one five roof or you can always check us

(51:57):
out on the web AO one roofing dot com.

Speaker 3 (52:00):
Mark, thanks for being with us. Good to see again.
Thank you, Bill and now Devinie Divin Devanie, it's extra
special that you're with us today, but also extra special
that you and I were closing the show down together.
Did you ever do that before?

Speaker 8 (52:15):
No?

Speaker 3 (52:15):
I haven't until today. Yeah, my first awesome. Well, final word,
let's tell people again. People are in the process, they're
thinking about buying and selling, and they say, man, I
need the right escro officer, I need the right office
Stuart Title, sugar Land, Right.

Speaker 8 (52:32):
Yeah, if you're in the sugar Land area or neighboring Houston.
We have a Richmond office too, so they're great as well.
Call us our talk to your real estate agent. Maybe
they don't have a preferred title company. We'd love to
do business with them. We're always open phone number two
eight one four nine to one seven zero five zero. Yes,
we do residential commercial refinances.

Speaker 3 (52:55):
Because I have lots of stuff going on in commercial too.
Sometimes we forget to mention that.

Speaker 8 (52:59):
Two eight one four nine one seven zero five zero.

Speaker 3 (53:02):
Then was this a good experience for you today?

Speaker 8 (53:04):
Oh?

Speaker 3 (53:05):
It was so fun, super fun. We're so glad you're
with us. Thank you, Devinie, Devin Stuart Title, sugar Land,
and thank you all for listening to real estate Matters
with Stuart Title. I am your host, Bill Nampek, together
with John Bramlett and all of us at Stuart Title
and Stuart Insurance. We appreciate you listening. Check us out.

Speaker 12 (53:24):
The YouTube channel is Radio Bill right, Devinie. Oh yeah,
what you said Radio Bill or Stuart dot Com Forward
Slash Radio.

Speaker 3 (53:36):
So there you go. Check us out. You can see
the show the YouTube videos Show archives and.

Speaker 8 (53:42):
Thanks for listening to real Estate Matters with Stuart Title.
Thanks for listening to real Estate Matters with Stuart Title.

Speaker 11 (53:52):
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