Great guests on this Edition!

We talk Pearland, money & Stewart exceeding expectations!

Episode Transcript

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

Speaker 2 (00:13):
Whether you're a real estate broker, realtor homeowner, buyer or seller,
everything matters when it comes to real estate. This is
Real Estate Matters with Steward Title. Steward Titles. Bill Nabik
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 Knapik, Welcome to the show. It
is Real Estate Matters with Stewart Title. I'm your host,
Bill Nappick. Thanks for joining us today on this fantastic weekend.

Speaker 3 (00:49):
We're going to talk real estate. We have tremendous guests,
as always, all the way around here and of course
reminding you once again simply go to Stewart dot Com
Forward Slash Radio. That's where you could see the show,
you could hear the show. You can access the show
archives by going to Stewart dot com Forward Slash Radio,
and let's get down to business right now, as we

(01:11):
welcome our first guest. He is Danny Frank with j
LA realt He is the productivity and profitability expert and
a real live real estate professional. Danny, Welcome to the show.

Speaker 4 (01:24):
Bill, Thank you for having me. It's an honor. You know,
you and I go way way back. We were talking just
a little bit ago. We known each other for over
thirty years now and it's an honor to be back
on your show.

Speaker 3 (01:34):
Well, awesome to have you. And also as you have
been in the real estate world, we've met in a
different profession, but you're in the real estate world now.
How many years.

Speaker 4 (01:43):
This is my twenty first year. Been around the world
once twice already.

Speaker 3 (01:47):
And time flies. In fact, at one time you were
the chairman of har right.

Speaker 4 (01:52):
Here, twenty thirteen, chairman of the board.

Speaker 3 (01:54):
Super awesome. So here we are. But JLA Realty. You
talk about great organization. To John, I'll Alltick has created
a company and it's another growth phenomenon right here in Houston.
Let's tell people about JLA.

Speaker 4 (02:07):
Well, JLA started about eleven years ago, It's funny enough
that John and I were kind of coaching each other
back before we started this, and we really got some
things worked out to help him. I hope turn what
he turned JLA into, and by all means it wasn't
by guidance from me, but it was all all comes

(02:27):
to cover together at Carl's Barbecue, we'd sit down and
talked for hours and hours and hours about what worked
and what didn't work. And JLA has come to be
the brokerage for the agent. We are a company that
just really caters to all the agents. We have a
great plan. All of our team members are all in
the same boat. We have a great eighty twenty split

(02:50):
ten thousand dollars a year cap and no monthly fees,
and we pay one hundred percent of rentals as well,
so we don't charge for E and O. We don't
charge a monthly fee, we don't charge an onboarding fee.
JLA now just looked us up right before we came.
We're the fourth largest brokerage by volume in all of HR.

(03:10):
People have started taking notice about that, and we're the
third largest brokerage on listings, so we do a lot
of listening. That's about seventy percent of our businesses on
the listing side, and we just get things sold.

Speaker 3 (03:24):
Bill, you know, I'm thinking you might be a great
ambassador for j l A Realty, just saying it just
a little bit. And as you were talking, I just
got a text from John ALTIIC, so he must be
listening in. So in the meantime, a lot of innovations
of JAILA, a lot of reasons realtors love the company.
But as productivity and profitability expert, get some idea of

(03:47):
the insight into that, because really those are important things
in any organization. But give us an idea how you
weave that in these skills into the real estate world
at JLA.

Speaker 4 (03:57):
Well, one of the things we do differently than most
organizations we offer free coaching and mentoring for every agent
in JLA. There's no really no fee. John and I
are available, all of our managers are available. We have
a weekly coaching sessions that are all zoom every Monday
from ninety nine thirty. If you're interested in doing that,

(04:17):
shoot me a DM on Facebook at find me on
Facebook at Dan Frank TX and shoot me a DM.
I'd be glad to set you up for a Zoom
meeting if you'll want to participate in that, and my
friends with location where I'm based out of, I actually
broadcast the Zoom meetings, the coaching session every Monday at

(04:38):
my office from nine to nine thirty.

Speaker 3 (04:40):
So, as far as your experience in real estate all
these decades, as far as when you look at the
market right now and especially let's say twenty twenty five,
what are some of the things when you have in
your meetings at JLA and even your own speculation, what
are some of the things that you're looking forward to
as an organization even as an individual for this big
time twenty twenty five coming up.

Speaker 4 (05:01):
Well, you know, one thing everybody talks about nationally, it
doesn't really pertain to Houston, Texas. I'll tell you that
straight up. We have more inventory in Houston today listing
wise than we've had in the last five years. So
the listings are coming up. But what's interesting about this
also the days on the market are staying pretty much
flat right now, but coming into the fourth quarter, right now,

(05:24):
we're going to take the dip. Now it starts about
September every year starts slowing down and slows down all
the way through what I call Valentine's Day, the heart
of real estate starts kicking back up again. So from
September the first through Valentine's Day, real estate, you know,
slows down, but the prices always tend to creep up.
During the fourth quarter, the number of sales slow down,

(05:47):
but the prices tend to creep up. So you know,
the fourth quarter is a good time to buy a house,
good time to sell a house. And that's what we're
here to do. We're here to help you do either
one you need to do.

Speaker 3 (05:57):
I'd say it all the time. It is the bet
has time to buy. Weather getting well, not this week,
but the weather will get cooler. Yeah, And it's great
to shop for a house, open houses, all those things.
And there's just something about purchasing when it's cooler.

Speaker 4 (06:11):
That's just yeah, that's true, you know. And bill selling
real estate like I have in the Galveston, Freeport, Texas
City all of the South Bay area area. During the
summers when I was selling real estate every day, I
drove a big f two to fifty diesel truck. It
never turned off. The people were in the back, they
had a nice chest in the back, and it was
always cool and I had flip flops and shorts on.

(06:31):
Kind of like I'm dressed today. You know, it's you
go to work how you work, right, And that's kind
of how JLA is. We let people do what they
want to do. They get to run their own business there,
and it's just a great opportunity for realters to become relts.

Speaker 3 (06:47):
As you were describing earlier, the components the things that
people look for as a real estate professional when they
join a brokerage. There's a lot of boxes to check
and along the way of coaching and helping people and
being in the world, what are some of the things
Because there's people out there that see the industry and say, oh,
that looks pretty easy. I think I'll be a realtor, right,

(07:10):
But what are the things that you see that makes
someone a good realtor, especially those that are thinking about
it now and say, man, I think that would be
a good thing. One of the successful components that are needed.

Speaker 4 (07:21):
You know, Bill, one of the things that I do
is to do a lot of recruiting for real estate,
and I've always found it very easy to try to
talk people out of becoming a realter because real estate
agent is I'm going to probably say it's the second
hardest job next to a dairy farmer in the world.
It really is. There's no time off for good behavior.

(07:43):
This is like the serengetti. You get to eat what
you kill. I hate to put it that away, but
life's tough sometimes and you have to go out there
and hunting every day to go out there and find
things to put on your table. And if you don't
have the client base or the the mental acuity to

(08:03):
go out and make those phone calls every day, do
your daily activities. I think that's one thing Jala really
does well as we coach to what the daily activities are,
and we know if you're making your phone calls every day,
you're writing your postcards, you know what your inventory is
in your neighborhood where you're farming. If you know all
these kind of things and you're doing what we call
we try to get agents to do fifty points a

(08:24):
day on our daily tracker. And if you're doing those
daily activities, you're making money. There's no reason why is
a first year real estate agent you can't make one
hundred fifty thousand dollars in your first year if you're
not making that kind of money. That's when people start
coming to JLA because we coach to that. We teach
that and we really get people on the market of
how to go to market and market yourself and do

(08:45):
the things that you have to do as a realtor
to become profitable.

Speaker 3 (08:48):
So it sounds like if you do certain things on
a regular basis, don't give up, are persistent, do the
things that are most of the hard things that are
necessary successful very easy.

Speaker 4 (09:01):
You know, real estate is the simplest job in the world.
It's just hard work. You know, real estate is very simple,
but you have to go to work every day and
it's just it's just tough to to do that. Sometimes
some people have a hard time making those phone calls.
Some people have a hard time doing the daily activities
that need to be done in today's world. You have

(09:21):
to be out there on Facebook, social media. You have
to be doing YouTube videos, you have to be doing
sell promotion every day. People have to know who you
are to be able to find you.

Speaker 3 (09:31):
And I'm glad you mentioned social media as far as
the coaching element, or as you're talking to seasoned agents
new ones, what are you telling them about social media
right now?

Speaker 4 (09:41):
You have to be on everything doesn't matter if you
like it or not. You got to be on it
because us where people are, you know, we really there's
several different platforms are out there, you know them all.
But what we the demographics are what's important and who
has money the young fourteen to eighteen year olds or

(10:01):
the twenty one to fifty years old that's so Facebook
right now is where the money is and YouTube is
where the money is. That's where you're mostly you can
get your biggest buck. Instagram, Facebook and YouTube are the
three big ones for social media right now. TikTok you
get a lot of views, but most people on TikTok

(10:23):
are still in high school or freshmen in college. And
I'm trying to sell houses, not get views.

Speaker 3 (10:30):
And when we sell as a real estate professional, when
you sell a home. One of the great things I
see as we as we talk to people here all
the time is once you build your business up, people
come back to you if you're doing the right job
right And that's a lot of people say, well, I
just work by referrals, and that's one of the great dividends.

Speaker 4 (10:49):
Later down the road, it is you know, when you
get out and start doing stuff and learning your daily activities.
You know, I don't even know if you know about
I wrote my first book last year on It's more
It's more More for the realtor, on how to do
a listing presentation my way. I have tons of videos

(11:10):
they're training on YouTube about different things. But it's it's
all about training yourself and learning more than the next guy.
To be a successful realtor, you have to know your numbers,
you have to know what's going on in your territory.
You have to be have great reps from Stuart Title
to come in and help you do stuff. You know,
I got a call today. I'm a perfect example. She

(11:33):
Tara called me said, hey, I need I need help today.
Can you help me?

Speaker 3 (11:37):
Just moments ago, Just moments ago, Tara Hobbs, that is
Sarah Hobbs.

Speaker 4 (11:40):
Yeah, on my honeymoon and I left because she called
and asked.

Speaker 3 (11:45):
He leaves his honeymoon to be on our radio show, Danny.
We're so thankful, thank you, And that is also a
tribute to Tara Hobbs doing tremendous work.

Speaker 4 (11:53):
It's called personal relationships, Bill.

Speaker 3 (11:55):
That's right, and that's the key to any kind of thing.

Speaker 4 (11:58):
That's one of the things I love about Stuart Time.

Speaker 3 (12:00):
Well, we appreciate that that, Danny. Before we close this segment,
what else do you want people to know?

Speaker 4 (12:05):
I am an active realtor in the Paarland Friendswood area
and I'd love to be your listing agent. If you
think about buying or selling real estate, please reach out
to me. I'd love the opportunity at least show you
how I do real estate and how I do it differently.
Been selling real estate in the Apparentland market for over
twenty years and kind of know it well.

Speaker 3 (12:21):
You kind of know Paerland just a little I do,
and also all the other areas in Houston. Danny, let's
tell people how they can reach you.

Speaker 4 (12:28):
My direct cell phone number is seven one three five
six ' nine eight one zero two. That's seven one
three five six nine eight one zero two. And you
can find me on anything social. If you go search
anything social, Dan Frank, TX, you can find me there.

Speaker 3 (12:44):
Thank you so much, Danny Frank and I guess back
back to your honeymoon.

Speaker 4 (12:49):
Now back to my honeymoon. Thanks Bill. Appreciate you guys.
You've vet it.

Speaker 3 (12:52):
Let's continue and talk money with Leah Stanger. Her company
is c MG Home Loan. Leah, welcome to the show.

Speaker 5 (13:02):
Thank you. I'm happy to be here.

Speaker 3 (13:04):
Well, it's awesome to see it. First of all, CMG
Home Loans. Let's tell people about the company. Okay.

Speaker 6 (13:10):
So CMG was started in nineteen ninety three by Chris George.
We are privately owned corporation, and we are nationwide. We
also service the vast majority of all of our loans.

Speaker 3 (13:24):
So nationwide. That's covering a lot of bases. And you
have an office here in Houston, then yes, lots of them,
a lot of offices, so covering geographically in a tremendous way.
As far as the mortgage business right now, people, money's
the lifeblood of everything. Let's tell people some of the
things they should be thinking about right now. If they're
thinking about a loan for real estate here in the

(13:47):
next couple of weeks.

Speaker 6 (13:48):
Or months, I would say that now is a great
time to purchase if you are in the market. The
trend that I see right now is mostly first time
home buyers because of a lot of them unfortunately lost
out when interest rates were in the low threes because
they could not compete with cash offers or someone paying

(14:09):
over less price, so they lost out now, even though
interest rates are a little bit higher, the market's settling
down enough for sellers to be more realistic and offer
concessions to clients, and they're able to get in the
homes and know that down the road they can refinance.

Speaker 3 (14:25):
So and in a way, it also sounds like you're
saying they're kind of getting used to the higher interest
rate environment.

Speaker 6 (14:31):
Yes, absolutely, definitely. I mean interest rates, the rates that
we're in are actually a nice modest range. I think
what scares people is the fact that they got so
used to seeing rates much lower and they're sitting on
the sidelines thinking that those lower rates are going to
come back, and it's just not going to happen.

Speaker 3 (14:51):
It's funny you mentioned that over the weekend. In fact,
yesterday someone said to me, oh, when do you think
interest rates should I get ready to refinance? I said, well,
I have no idea what's going to happen. Nobody does.
But I like the term I've heard people say they're
trending down.

Speaker 6 (15:08):
Yes, you think that absolutely. I mean a year ago
we were in the sevens. Now we're in the low sixes.
So yes, they are trending down.

Speaker 3 (15:16):
Do you see again speculation no one knows. But when
we hit the twenty twenty five mark, do you see
a continuation of the downward trend?

Speaker 6 (15:28):
Or to guess, Well, what we're being told is that
the FED will drop interest rates, So do another fifty
basis cut before the end of this year, and that
they're expecting the FED to also cut one percent next year.

Speaker 5 (15:43):
Now, how that.

Speaker 6 (15:43):
Affects interest rates is to be seen, but I do
think rates will come down.

Speaker 7 (15:49):
I do.

Speaker 3 (15:50):
So let's take the first time home purchaser. What are
the things if someone calls you and they say, Hey, Leah,
it's our first time. We don't really know much about
buying a home or getting the money to buy a home.
What are the things that you tell those the first
time buyers.

Speaker 6 (16:05):
I spend a tremendous amount of time with my buyers
educating them because that knowledge is power. I feel like
so many times buyers will come to me that have
been with another lender that were not explained any of
the terminology.

Speaker 5 (16:23):
What does the process look like?

Speaker 6 (16:24):
So I want my clients to go to the table
on signing day feeling completely empowered and knowing that they
picked the right loan product for their family's needs. But
I think if it's a new home buyer, my biggest
advice to them is number one, be patient. You need
to be patient. Number two, you better have a very

(16:48):
clear budget for your family. And number three, you have
to be preapproved, and I mean fully pre approved. With
my clients, I never issue a pre approval letter unless
I have reviewed and assets. I make certain that they
are fully qualified before I let them go under contract.
And that's why agents love to work with me.

Speaker 3 (17:09):
And how long does it take to be preapproved to
go through this thorough process.

Speaker 6 (17:15):
If someone is a regular hourly W twoed employee, we
can usually knock that out within a few hours. If
you have someone that's self employed, then that's a different animal.
You've got to review their tax returns, You've got to
look at assets. It's just what percentage of ownership do
they have in the company. So that could take another

(17:37):
day possibly, but it just depends. You know, I can
move as fast as the buyer moves.

Speaker 3 (17:43):
And what you said earlier, as far as terminology, every profession,
category and sequence, and let's say the real estate transaction
has their own terminology. So there's the mortgage, the language
of mortgage. We talk about insurance on the show. There's
a language of insurance. There's terms for each and everything.

(18:05):
What are some of the things that people need to
know from the terminology that they get confused on in
the mortgage world, because you do have certain terms that
I haven't applied for mortgage for a long time, but
there's terms that you use.

Speaker 6 (18:17):
Yeah, a lot has changed. So some of the lingo
is a VOE verification of employment. We have to check
their dt I, which is their debt to income ratios.

Speaker 5 (18:28):
So there's a.

Speaker 3 (18:29):
Lot let.

Speaker 8 (18:31):
Going.

Speaker 6 (18:32):
Yeah, so we have we have to source large deposits,
we have to look to see on their pastubs. Are
you are Do you have variable income?

Speaker 5 (18:41):
That's a big one.

Speaker 3 (18:42):
Right now, So it's not v I.

Speaker 5 (18:45):
Well, yeah, I guess.

Speaker 3 (18:48):
I like that. I like that.

Speaker 5 (18:49):
I like with it.

Speaker 6 (18:50):
CTC is clear to close. That's the best acronym you
can come up with.

Speaker 3 (18:54):
That's a good one. Yeah. So a lot of the
lingo that goes around in the mortgage world. But as
far as when you see people in the first time
let's take the first time buyers again, as far as
ones that let's say, out of ten of them, how
many of them get pre approved easily? I mean how
many of that are? What I'm asking is, out of
the ten people that you see that it's our first time,

(19:16):
how many you have really great credit ratings?

Speaker 6 (19:20):
I would say average at least nine out of ten,
so that what they're ready, yes, yes, And the ones
that might not quite be ready yet, I invest a
lot of time and energy and love on them and
I get them ready. So sometimes they're not able to
buy within thirty days, it might be six months. But

(19:42):
if they're willing to put in the effort, I'm willing
to help guide them.

Speaker 3 (19:46):
And that's a good thing too. That's part of the
process building relationships, and also what you're describing Lee is
building trust too.

Speaker 6 (19:54):
Absolutely absolutely. My tagline is leave it to Leah. For
a reason, I'm an absolute at what I do. I
used to be an underwriter, So when I sit down
with clients, I put my files together and they know
that they're going to the closing table.

Speaker 3 (20:09):
We're talking with Leah Stanger, c m G Home Loans.
Leave it to Leah.

Speaker 5 (20:16):
That's right.

Speaker 3 (20:16):
I'm loving that. Thank you. I really like the black
belt part because that means you are taking it seriously
and you had the skills to deploy for your clients
each and every transaction.

Speaker 6 (20:29):
Yes, absolutely, we figure out a resolution for our clients.
And that's the other thing that I love about the
company that I work for, the owner Chris George. If
he sees that there's a need for a product for
a client, he'll just go make it and we'll do it.

Speaker 3 (20:47):
And as understand Lea, you're in the profession now of
several decades. Yes, so you have seen a lot of
things change in the world of finance. It has to
be fascinating. What are some of the Are there any
recent changes that we should know about that have occurred
in the lending side of things.

Speaker 6 (21:07):
I would say one of the big ones in May
of twenty twenty three, Fanny May and Freddie Mack went
out and started doing loan level pricing adjustments on second
home and investment purchases. So it really hit the rates
very significantly for anyone wanting to purchase an investment or

(21:27):
second home. And with us, one of the things that
we did, it's our proprietary product. We fund it, we
house these loans. We took away all the loan level
pricing adjustments, so the interest rates for those particular types
of loans are substantially better and nobody in the market
can touch it.

Speaker 3 (21:47):
So other than the home first time home buyers, there
are people out there that have purchased several homes, yes,
and maybe it's been five six years since they've purchased
a home or gotten a loan. What are some of
the things that they should know anything different?

Speaker 5 (22:03):
I think just.

Speaker 6 (22:05):
Be smart enough to get fully preapproved ahead of time.
That's just the biggest thing, absolutely, because anything can change
on a dime in the mortgage world. So they need
to just go ahead and do the due diligence. Don't
sit and wait. Get fully preapproved before you get in
a car and go look at houses.

Speaker 3 (22:22):
So what happened? This just came to minds someone has
they're approved, they're almost CTC clear to clothes if I remember,
So they're almost at that point. But all of a sudden,
something happens, not on the money end, but on the
home end or on the seller end to find the
buyer and it's like, oh, that property's out. So then

(22:45):
what happens They go and find a new property, and
how does that work on the mortgage in Is that
a big deal?

Speaker 6 (22:51):
It's not that big of a deal. I mean, you
do have to start the file over because it's associated
with a new property address. However, at this point you're
just to writing the house.

Speaker 5 (23:02):
That's it.

Speaker 3 (23:02):
And before we close the segment, Leah, what else do
you want people to know?

Speaker 6 (23:07):
I just want them to know that education is everything
and I am happy to help any client at any time.

Speaker 3 (23:15):
Leave it to Leah, Evenzelia black belt.

Speaker 5 (23:19):
That's it.

Speaker 3 (23:20):
This is here the five hundred and forty one shows. Leah,
you are the first black belt of anything we've ever had.

Speaker 5 (23:26):
Aren't you lucky?

Speaker 3 (23:27):
We are thankful that you are with us. Leah. Let's
tell people how they can reach you, Leah Stanger.

Speaker 6 (23:33):
My website is Leah Stanger dot com and my mobile
number is eight three two seven nine seven nine seven
five zero eight three two seven nine seven nine seven
five zero.

Speaker 3 (23:46):
Thank you for being with us.

Speaker 6 (23:47):
Thank you appreciated.

Speaker 3 (23:49):
I say it all the time. Our Stewart Associates are
the best in the business. And now we welcome Kimberly McFarland.
She is the sales manager of South Houston, Galveston and
Brazoria County. Kimberly, welcome to the show.

Speaker 5 (24:04):
Hi, thank you for having me.

Speaker 3 (24:06):
Well here you are it's exciting you're to have you back.
It's been years since you've been with us. Yes, But
in the meantime, let's tell people you are with Stuart
Title doing tremendous work in a very interesting and important capacity.
Let's tell people about your role at Stuart Title here
in Houston.

Speaker 7 (24:21):
All right, Well, I am the sales manager for our
South Houston division, so that encompasses clear A Lake, Brazoria County,
and Galveston County.

Speaker 3 (24:29):
Big counties too, Yeah, big counties too.

Speaker 5 (24:31):
Yeah.

Speaker 7 (24:32):
So we are in obviously Galveston Island where Stuart Titles started.
We've got two offices on the island, and then throughout
Galveston County.

Speaker 3 (24:39):
We are in League City as well.

Speaker 7 (24:42):
Then we have our pair Land office, we're in Lake Jackson,
and then of course we're in clear Lake.

Speaker 3 (24:47):
A lot of offices. And also, as we think of
the growth in Houston real estate wise, you're in a
big growth area absolutely so.

Speaker 7 (24:55):
Galveson County alone is growing leaps and bounds, as is
Brazoria County. You've got Alvin, got League City, You've got
all of these different communities within those regions that are
there's master playing communities coming up everywhere.

Speaker 5 (25:08):
Schools are exploding, lots of growth.

Speaker 3 (25:11):
And if someone's listening, say from on the internet from
out of the state of Texas, let's tell them the
areas you're describing geographically kind of where that is.

Speaker 7 (25:20):
So this is more southeast of Harris County, which is Houston.
Think of Harris County kind of like La. So Houston
encompasses a whole lot of different communities and subcommunities and suburbs,
so to speak. And these are suburb communities in the
southeast region closer to the Gulf Coast.

Speaker 3 (25:40):
And we have I don't know the exact count maybe
you do, Kimberly, but we have about seventeen fifteen to
seventy business development people or so in the Houston Greater
Houston area, and you're leading the charge with them in
this geographic area. As people here, they know about Stuart Tittle,
most people do. They hear hear about us, especially in Houston,

(26:01):
but sometimes they don't realize the resource that our business
development people are to the real estate community, whether the realtors,
mortgage people, or even just buyers and sellers. Let's tell
people that some of those resources that we provide that
you're leading it's true absolutely.

Speaker 7 (26:18):
So of course Stuart Title is a title company, but
at the end of the day, title companies are all
regulated by Texas a Department of Insurance, and you can
argue that we all essentially do the same thing. So
at Stuart Title, what we try to do differently is
number one, we're one of the large for underwriters in
the nation, so we have that that sets us apart.
We have our home base is in the Houston area,

(26:40):
so we have a huge footprint in and around Texas
and on through the Houston area. But what we like
to implore our business development officers to do differently as
opposed to our competitors, is we want them to be
a part of your business. So whatever the pain points are,
we're going to provide values and resources to help you
get to your finish line whatever that may be, whether
it's lending or it's on the real estate side.

Speaker 3 (27:03):
And give us an idea and a lot of the
way that happens is a lot of the activities the
relationship building that our team does. So in terms of
the activities, there's activities that our people are doing out
there and we talk to them about it on the show.
But if someone hasn't doesn't know about that, give them
an idea some of the things our guys are doing.

Speaker 7 (27:22):
It could be anything within the community. Maybe we're helping
do supply drives for schools. Maybe what we're doing different
nonprofits that are big in our communities, or maybe we're
helping our agents with their open houses. We're providing market information,
we're providing statistics, we're providing resources to help get them
to the closing table more efficiently, more seamlessly. I mean

(27:44):
just being a part of their business and listening to
figure out what it is that we can do to
cater our experience towards their needs.

Speaker 3 (27:51):
And one of the things that strikes me is we've
had our own meetings and I've seen you give presentations.
I'm amazed because I talk about the resources all the time,
but you apparently have know and practice some interesting and
very creative things to where you become a resource. Our
people become a resource to where they're in a jam,

(28:13):
they have a question, they cast where they may have
a question about. I think one of the examples was
a homeowner's association. Just things that are details and everyday
things in a real estate transaction. But I bet there's
realtors out there that don't know we can help them
in so many ways.

Speaker 7 (28:28):
Well, absolutely, I think that as real estate agents and
lenders really all facets of the real estate community.

Speaker 5 (28:34):
Everyone's wearing a different kind of hat.

Speaker 7 (28:35):
So you can figure out what the different hats are
and how you can incorporate those and help them add
something to their business, whether it's their social media marketing,
whether it's Google my business, whether it's trying to find
a proof of purchase form for a mud, or it's
an hoa property transfer fees or whatever it is, tax certificate,
tax rate for the community that you need for your

(28:57):
sellers to upload your listing, whatever it is. We want
to train our teams and our business development officers to
be that missing piece to kind of help move the
needle a little bit quicker. We want you to think, oh,
I'm going to call Brittany at Stewart Title, or oh
I'm going to call Morgan or whoever it is that
is your business development officers.

Speaker 5 (29:16):
That's what we want y'all to think of when you
think of Stewart.

Speaker 3 (29:18):
Title, certainly that we are part of the team that
are that's going to help you grow your business and
also get the real estate transaction from where it is
to where you need to be. That's right. Make your
life easier and make you look good getting from A
to B. That's right. It's super fun. And also your
very adept in the sales profession, as I've noticed as well.

(29:39):
Thank you give us an idea some of the things.
If someone said to you, how can I be successful
in the title business? What are like the top just
maybe two bullet points in terms of some of the
things that you do well.

Speaker 7 (29:52):
I always kind of joke that nobody actually like aspires
to become entitle. We all just kind of fell into
this and we're not really sure, but then you get
to it and you're like, wow, that's kind of cool here.
But there's a lot of different variations of it. So
I think just immersing yourself in the different moving parts,
asking a lot of questions, and then figuring out how
it works so you can at least know enough to
be dangerous.

Speaker 3 (30:13):
And that's right. And also being a partner with the
real estate professional. And that's not just realtors that we're helping, right,
but we're working hand in hand with mortgage professionals also
those in the inspection business and so many other worlds.

Speaker 7 (30:25):
Absolutely, insurance surveying. There's so many different pieces of it,
so many different cogs in the machine.

Speaker 3 (30:32):
And of all the things you can be doing, Kimberly,
we're talking with Kimberly McFarland. Kimberly, all the things you
could be doing. You have so many talents, and I'm
aware of them. I'm a fan. By the way. Oh
what is it about the real estate world, even the
title world that keeps you so excited about it?

Speaker 5 (30:48):
Honestly, it's ever changing.

Speaker 7 (30:49):
So the market's constantly changing, and so as a result,
the style of the market is going with it.

Speaker 5 (30:55):
So it's just a lot to keep up with. And
it's fast faced and I like that about it.

Speaker 3 (31:00):
Yeah, Boredom isn't even a thing to fit. There's no
such thing in the world that we are in now.
There's no border. Things are dynamic. There's always the fire,
and there's fires to put out, there's no doubt about that.
But also, as far as the market conditions that you're
seeing from a real even if you were a realtor
and you looked at the places of the Brazoria County

(31:22):
and Galveston and those things, what's happening there. What would
you describe to people if they said, hey, and what's
going on down there? Real estate wise?

Speaker 7 (31:29):
I think if you talk to most people, it's definitely
affected by where we're at. So election has a lot
to do with it, or a hurricane season, the economy.
There's a lot of different check marks that they're all
ticked off. As far as things that affect a real
estate market, I think things are a little bit slower
than most people would like, and there's a lot more
inventory and things aren't moving quite as much. Interest rates

(31:53):
are part of that. I'm sure that lenders can speak
to but I think everyone's kind of waiting to see
what will happen with election wise, because that usually gets
markets moving a little bit faster, and then we're all
hoping fingers crossed that we can get back to a
healthier market.

Speaker 3 (32:08):
But it's definitely balancing out. It's very exciting and dynamic,
as said, but also one of the things. We have
a tremendous individual and I want to talk about him
just a little bit, and you know, Drew Dobbs. He's
our division president South Houston and Galveston. I mean, we
have top people on our team all the way around.
I have to mention Max and everybody else, but let's

(32:29):
tell people a little bit about Drew because he has
some outstanding credentials and skills.

Speaker 7 (32:34):
Well, I don't want to brag about him too much
and give him a complex I think I already did,
but he's pretty okay. Now, we're very Yes, we're really excited.
So Drew and I actually started at Stuart Title together
several years ago. We left for a brief period and
went and started a branch with a competitor, and then

(32:55):
Drew was approached by Stuart to come back, and he
brought every single person on our team back. Are We're
happy to be back and growing with Stuart again.

Speaker 3 (33:03):
He's got a lot of a lot of experience in
the industry and a lot of vision as well, and
I think that's going to be one of the exciting
things as we go with your contributions, our sales team,
and also Withdrew and the others as we go forth
vision wise for twenty twenty.

Speaker 7 (33:18):
Absolutely, absolutely, we are looking to grow even more than
we already have. We already have a really big footprint
in the area and we're just looking to expand upon
that and build our reputation back in a positive direction.

Speaker 3 (33:31):
Also, later in the show, we're going to beet one
of our new editions, Brittany Hernandez. That's going to be
exciting because we're so excited about her.

Speaker 5 (33:36):
She just joined our Parland team.

Speaker 3 (33:38):
Well, Kimberly McFarlane, before we close this segment, what else
do you want people to know?

Speaker 7 (33:42):
If you've got a transaction that you're working on, and
remember to call Stuart Title and let us.

Speaker 5 (33:45):
Help you with it.

Speaker 3 (33:46):
It's that easy. It's that easy Stuart dot Com to
find your closest office. Or if someone wants to reach
out to you, Kimberly McFarlane, what should they do?

Speaker 7 (33:55):
You can always reach me on my cell phone seven
one three four zero eight zero two five five. I
answer the phone, or you can text me, or you
can shoot me an email at Kimberly dot McFarland at
Stuart dot Com. Seven one three four zero eight zero
two five five.

Speaker 3 (34:12):
Thank you, Kimberly, You're welcome.

Speaker 5 (34:13):
Thanks for having me.

Speaker 3 (34:15):
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. Stewart
Insurance creates insurance plans to address the risks facing our
industry today. They invest a significant amount of time helping
real estate broker owners offset and manage their risks. Here

(34:36):
he is once again John Bramlett with Stuart Insurance.

Speaker 9 (34:39):
Hey Bill, good morning or good morning, good afternoon.

Speaker 3 (34:42):
So much information once again John, It's astounding. And we
even had a black belt on the show. We did
have a black belt.

Speaker 9 (34:48):
Yes, yes, no, that's been an excellent show and they
get better each week.

Speaker 3 (34:52):
And there's still moments left. It's not done yet. No,
we still have a couple of surprises. It's unbelievable. So
here we are Insurance is a super oasis to pull
over to during the show and find out what you bring,
what you're bringing for today.

Speaker 9 (35:08):
Well, I just occasionally it's nice to remind our listeners
a little bit about Stuart Insurance and what we have
to offer and where we have to offer it.

Speaker 3 (35:18):
So many things too, and of course Stuart Insurance dot com.
The full menu is there, but yes, there are some
bullet points you want to tell us about.

Speaker 9 (35:26):
Absolutely the full menu is at Stuart Insurance dot com.
And if you have a if you're ready to get started,
you can. You know, one of the ways you can
do that is through on Stewart Insurance dot com. But
it's important that our listeners understand that we are a
full service, independent property and casualty insurance brokerage, and that
simply means that we have an access to a variety

(35:47):
of companies to help build insurance plans, versus a captive
agent that is limited to what that company offers in
that market. So whether we're helping a real estate broker
with their airs and emissions and cyber live and general
liability coverage, or a family with their home insurance, auto
and flood, we work with a variety of companies and

(36:07):
have access to a variety companies to make sure that
we build the best plan possible based upon what that
organization or family's needs are.

Speaker 3 (36:15):
Indeed, so that offers the client flexibility options sometimes for
different plans, for better pricing, different kinds of coverage. So
it really is tremendous for the clients.

Speaker 9 (36:27):
Absolutely. So it's like all of our guests have spoken
about today, is investing the time to find out what
our client's needs are, investing the time determine what they
need to accomplish. At this point, in their life or
at this point in the life of the business, and
then based on that, build a plan that makes sense, because,

(36:48):
like you said, in some cases it's going to be
critical that they have a very robust plan with a
lot of coverage. There could be some instances where it
needs to be a very conservative plan from a budget
terry perspective, And as long as we understand that, then
we can work with our client to make sure that
that happens. And that we work with clients all over

(37:08):
the US, both business clients as well as individuals and families.

Speaker 3 (37:13):
And even though it's not an official theme on our
show today, one of the things that is recurring is
the idea of partnering relationship building with all our guests
today and with Steward Insurance, that's one of the things
you're doing. You're partnering with your clients to help them
with their insurance needs.

Speaker 9 (37:32):
Absolutely, we really have a couple of areas that we
try to focus on. The first is risk management, and
all of risk is is a probability of something bad happening.
So if we can work with our clients, whether they
be families and individuals or businesses on some things that
they can do to minimize those risks, then there's a
less of a chance that they're going to have to

(37:53):
file acclaim. But if they do have to file acclaim,
if they do need some assistance, then how can we
offset that exposure the cost of something bad happening onto
an insurance company. So finding the right a partner to
offset that exposure to is what we do. Part of
that is by providing continuing education classes for our real

(38:13):
estate broker audience out there and the realters out there.
So I'll teach close to seventy classes this year for
folks where we're going out and helping our real estate
brokers and real estate realter partners be better suited to
provide the type of guidance their clients expect from them.

(38:33):
So provide those extra nuggets of information, those extra if
you will, arrows in their quill in order to truly
be that value add that their clients are expecting them
to be.

Speaker 3 (38:46):
In fact, I just thought of another unofficial theme, and
that is service. We are all providing service, and we
do so in a way to exceed expectations all of us.

Speaker 9 (38:56):
Absolutely, our focus is what can we do to help you?
What can we do to provide value to you because
we know if we do that, then we've earned the
right to ask for your business.

Speaker 3 (39:07):
And as you mentioned, you were doing these presentations here
six seventy. I thought that was in one week. One week,
I saw so many Facebook posts. I'm thinking, hey, is
it even sleeping. But you're no stranger to Brassooria County Galveston.
I mean you'll go all over, Yes, we go all over.
We offer the classes three ways. A good majority of

(39:28):
our classes are taught in Stewart Title offices, so we've
got one coming up in the League City office that
was referenced earlier. We've done several classes in our pair
Land office and several classes in the Galveston County office
over the last couple of years, so.

Speaker 9 (39:43):
That's the primary way. We also offer the classes online
with partnering with the Houston Association of Realters, so those
are live zoom classes that the Houston Association of Relters procter,
so you're it is just like sitting in a class
with me for the that period of time, and you
can find those classes at hr dot com for its

(40:05):
last education. And then we also go to real estate
broker's offices, so there are times when a broker would
like us to come out and teach their team, and
we do that as well.

Speaker 3 (40:14):
So I would think as we are at this point
in time of the year next year, you probably are
already scheduling, if not, have your schedule pretty well laid
out for next year.

Speaker 9 (40:26):
We have a couple of folks that have come in
at the last minute and wanted some assistance for the
end of the year, and we're happy to accommodate that.
So we're working on those right now. But we are
beginning to schedule classes for twenty twenty five.

Speaker 3 (40:41):
Yes, So if you're out there, especially if you're a
real estate broker, there may be a broker listening right
now John that says, Hey, I hear John on the
show with his insurance expertise. I wonder if he would
do a class with us over here at the I
don't know JLA Realty or somewhere else.

Speaker 9 (40:59):
Absolutely know we would love to be able to come
out to an organization like JLA and offer classes for
their realtors and the professionals on their team. And we
have three really exceptionally good classes that truly can benefit.

Speaker 3 (41:14):
To say, let's lay out the menu well The menu.

Speaker 9 (41:16):
Is, so we've got real estate liability, reduce your risks
and protect your license. It's a three hour course and
that is the first part. We spend quite a bit
of time looking at what a risk is and what
exposure is, and how we can minimize those risks and
offset that exposure. We look at eight specific risks that
real estate professionals face every day and we talk about
those and then we look at seven ways that you

(41:39):
can minimize those risks, and we do that through a
couple of case studies, so it's a very interactive class.
And then at the end of the class, we look
at additional ways that you can offset those risks, including
looking at three different types of insurance plans that can
help offset that risk. And that's a three hour class.
The second offering we have is Property Insurance Essentials for

(41:59):
Real Estate Professionals, and what this class does is allow
a realtor to better understand how their clients are going
to be using the property, and based upon how their
clients are going to be using the property, that's going
to direct the type of coverage that might be necessary.
So if you've got a client that's buying a home

(42:20):
and it's going to be their primary residence, that's home insurance.
But if they're buying a home but they're going to
use it as an investment property, home insurance doesn't cover that.
Or if they're using it for investment property, but it's
going to be short term rentals, that's a different type
of coverage. So we look at different types of coverages
based upon how the property is used. And then we also
spend a few minutes at the end talking about flood coverage,

(42:42):
and that's a two hour class. And then the last
one is the Two Sides of Water, and that's a
crowd favorite, and we look at two types of water damage.
The first type of water damage is caused by a
flood and there is a specific definition of a flood
that that water damage has to meet that definition in
order to be considered a flood. So we cover what

(43:03):
that is, and then we look at what flood insurance
does and doesn't cover, and there are a couple of
options out there for flood coverage, and we walk through that.
Then the second side of water is water damage that
occurs inside the home where a home insurance plan may
come into play for the coverage, and there are four
types of water damage that we look at there as
well as we discuss things like actual cash value versus

(43:26):
replacement cost. Is that a named perils are an all
perils policy, and then different ways that folks can manage
their investment when it comes to home insurance.

Speaker 3 (43:36):
When you mentioned about the class relating to real realtors
risks that they face, I think it was seven every day,
well eight every day, eight every day, So the real
and I'm not saying a realtor should be paranoid, but
I think in the course of business, the momentum and
the things that realtors are doing every day sometimes I
bet they don't even think they're at risk, but they

(43:57):
should be mindful that there are perils out there that
could come into play. So, well, you're exactly right.

Speaker 9 (44:03):
I mean, it's it's it's not there's not anything on
that list that's shocking. There's not anything that people say, wow,
I didn't think about that. But what it does is
it as you said, it just brings it back up
to top of mind and as long as you're aware
of it, and that's okay. There's nothing you can do
in life to avoid risks. We're always going to deal
with risk, but if you're aware of them, that's half

(44:25):
the battle. And then if you follow some of the
suggestions we have on how to minimize them, then you
can really can you know, lessen the chance of something
bad happening.

Speaker 3 (44:34):
Always great information, John, Let's tell people how they can
reach you at Stuart Insurance.

Speaker 9 (44:39):
They can reach us at eight six six seven nine
eight two eight two seven eight six six seven ninety
eight two eight two seven, as you mentioned earlier, and
thank you for that. They can learn more about us
at Stuart Insurance dot com, or they can email us
at Stuart Insurance at Stuart dot com.

Speaker 3 (44:55):
And of course we broadcast the show right here in Houston, Texas.
But you're helping people all over the United States. Ust
here in Houston, that's correct.

Speaker 9 (45:02):
We have both business and family and individual clients all
over the US.

Speaker 3 (45:07):
I'm getting a feeling, John, there's someone in Parland that
needs to hear the number again.

Speaker 9 (45:11):
The folks in Parentland should call eight sixty six seven
nine eight two eight two seven. Thank you so much,
John Bramlett. Always a pleasure.

Speaker 8 (45:17):
Bill.

Speaker 9 (45:17):
Thank you.

Speaker 3 (45:18):
As we continue, it's always fun to talk to Tara Hobbs.
She is our branch operations manager. That's right, Paarland, Texas. Tara,
welcome to the show.

Speaker 5 (45:29):
Thanks for having me back.

Speaker 9 (45:30):
Bill.

Speaker 3 (45:30):
Well, here you are. You brought us a surprise today.
We're doing tremendous work you and the team right there
in Parentland, Texas.

Speaker 5 (45:37):
We work hard every day and.

Speaker 3 (45:38):
I've bet people as you've been on the show now
several times people are reaching out to you. Hey, I
heard John the show all that it's been interesting.

Speaker 10 (45:45):
People are like, hey, I caught some old runs and
I say, okay, wonderful, that's great.

Speaker 3 (45:50):
I love that you're listening. Listen this week. And we
have a special person here today that you brought. Let's
tell people first before we meet Brittany Hernandez. Let's tell
people a little bit about Brittany.

Speaker 10 (46:02):
Oh, Brittany is our new marketing person here at our
Para Land office. And Brittany comes to us. Oh, we're
just a few days old in this endeavor together and
we are just very excited about what she brings to
the table.

Speaker 3 (46:15):
And here she is, Brittany Hernandez. Brittany, welcome to the show.

Speaker 8 (46:18):
Hi, Bill, thanks for having me.

Speaker 3 (46:19):
Well, I met you first on Facebook. So isn't that
that's real modern stuff?

Speaker 8 (46:24):
That it's social media. I mean, where would you be
without it?

Speaker 3 (46:27):
It really is. And here you are, just days into
your work at Stewart Title and you're on the radio
on a massive media.

Speaker 8 (46:33):
Platform and Mama, I made it right.

Speaker 3 (46:35):
I guess so well as here you are Stuart Title.
Now you're going to be developing business in a tremendous way,
get people an idea some of the things that drew
you to Stewart Title.

Speaker 8 (46:47):
Well, Stewart Title, as you can see, has really good
people in the business. So I mean, this thing kind
of just fell in my lap, the last minute thing,
and I'm kind of running with it and hoping that
I can get a lot of business coming to Pairland.
I'm real big in the community. My son goes to
Perland High School, so I'm hoping that I can bring
a lot of the Pearland community in as well as

(47:09):
the surrounding areas as well, so and just help everyone out.

Speaker 3 (47:12):
And I've never lived in Parland, but I've gone there
quite a few times. And that's one of the things
you're using the word community. I think Parentland it is
a nice community and you actually live there and your
son's in.

Speaker 8 (47:22):
School, yes, yes, so we are right close to eighty eight,
So Pearland has a big reach out there. So we've
got to eighty eight area, Pirland, Deep Parland Area, Alvin
Manville as well, So we're just big around there and
you can get a lot of business.

Speaker 3 (47:39):
And not only that for those listening outside of Houston,
Pearland is correct me if I'm wrong, pretty much directly
south of Houston, right, Yes.

Speaker 8 (47:46):
We're not very far. I mean we're within the Beltway
reach so you can find us. We're not, you know,
an hour away.

Speaker 3 (47:52):
A good location, no doubt about it. Yes, So Tara,
what are some of the other things going on in Parland.
I mean, it's a great area right now.

Speaker 10 (47:59):
Is one area we are very as Brittany said, we're
very right in the middle of a lot of different
communities that have a lot of growth and development happening.
The Row Sharon area down towards Iowa Colony, it is
just booming, booming and booming. The Alvin area, which has
schools all the way up into Shadow Creek is Alvin
ID so they are working on plans for their next

(48:20):
high school, which would make five high schools for Alvin
Independent School District. You roll into Pariland and Paarland has
such a wonderful diverse Just you go from the old
side of Pailand into the newer growth and developments. You've
got all kinds of things. In Shadow Creek, there's the
new developments over that are kind of by the two
to eighty eight area in that corridor. Everything is just

(48:41):
booming and busting out in that side of town.

Speaker 8 (48:44):
Yeah, up and coming everything, new growth, new buildings, everything.

Speaker 3 (48:48):
I need to after the show, I'm going to take
a drive to Pariland after get my work. Come on,
let's go have some barbecue.

Speaker 4 (48:53):
Let's go.

Speaker 3 (48:54):
Is that a good thing?

Speaker 8 (48:54):
Big Horn barbecue?

Speaker 3 (48:55):
Well, that sounds awesome And one of the things the
way this works here in the tidle world, at least
Stuart Title, this is a rare opportunity because Terror. You
are an ESCRO officer managing the office and now you
are gonna be our ambassador to where You're gonna be
telling people like we do on the show about Terror
and the team how they do tremendous work.

Speaker 8 (49:15):
Come meet my people. They are amazing. We will get
you taken care of. One title at a time.

Speaker 3 (49:21):
I was hoping you were gonna throw that in. Thank
you so much, Brittany. Let's tell people they want to
reach out to you. You're gonna also be doing some
educational things, fun things for the real estate world. Let's
tell people how they can reach out to you.

Speaker 8 (49:33):
They can reach me at A three two seven two
eight seven six four six. You can also find us
on Facebook at Stuart Title pair lamp. I just created
that today where we can get everyone in. We're gonna
have some posts. But again, my phone number is eight
three to two seven to eight seven six four six.

Speaker 3 (49:51):
And tarror the office number. I know people right now
are scrambling. I want to bring my real estate transaction
to Para Landing. Get it, Bring on, let's go.

Speaker 10 (49:58):
The office number is one four one two six nine
zero zero.

Speaker 3 (50:05):
Thank you, Tara Hobbs and Britney Hernandez. Welcome aboard, Brittany.
You're excited to be here at Awesome. And now as
we continue, Danny Frank is here with j l A Realty.
What's the final word from Danny Frank at JLA.

Speaker 4 (50:23):
You know, Bill, just call me. I'll sell your house
for you to get it done. My average days on
the market I just looked it up, twenty eight days
on the market I got about nine million dollars of
inventory for sale. Call me, we'll get your household in
apparently and friends with market and we'll get it done
here at Stuart Title as quickly as possible.

Speaker 3 (50:40):
I like that. Just call me, Just call me, We'll
get it done. That could be a logo and the
whole thing. The number again Danny.

Speaker 4 (50:47):
Seven five, six nine eight one zero two. And I'm
here to help and serve.

Speaker 3 (50:53):
Lots of experience, lots of experience, Danny Frank And now
you Bill, thank you, and we say hi to John Altick,
don't Yeah.

Speaker 4 (51:01):
What's up buddy? Hello? John.

Speaker 6 (51:04):
First and foremost, it's about just care for the client,
and so I will strive always to exceed expectations. When
people work with me, they know that they can leave
it to Leah.

Speaker 3 (51:13):
Leave it to Leah well. And also, I would think
the world that you're in, there's a lot of details.
You have to be organized. How do you plan ahead
for your twenty twenty You probably already have your plan,
but what are some of the components that you think
about to say, okay, twenty twenty four wind up? How
am I going to approach? What do you do as
a seasoned professional.

Speaker 6 (51:34):
I set very clear and precise goals, and I set
those and well, it's coming up October November is when
I do that for the next year, and I have
to dial it in to make sure that I'm reaching
people in different formats that I You know, in the past,
you get your business from realtors. Primarily this past year,
the majority of my business has come from past client referrals.

(51:56):
So you have to just look outside of the normal
revenue streams and find that business.

Speaker 3 (52:03):
That's a good word. And Leah, when you're not busy
in your world of money and mortgage, you have any
hobbies or what are the things that you're doing for fun?

Speaker 6 (52:10):
I love to cook. I'm a mama five and I
have five grandkids, so for me it is all about
family time.

Speaker 3 (52:18):
Five kids, five So you already have built in organizational
skills just to be able to manage the five.

Speaker 6 (52:25):
Absolutely, the devil's in the detail, right.

Speaker 3 (52:28):
That sounds good? Well, do the kids say leave it
to Leah? Yes they do.

Speaker 6 (52:32):
You can reach me at eight three to two seven
nine seven nine seven five zero eight three two seven
nine seven nine seven five zero.

Speaker 3 (52:42):
Thank you so much, Leah Stanger. And now how about
Kimberly McFarland. Kimberly, since it's your first time here this year, anyway,
that's you and me. We're going to close the show. Okay,
once again, you're Kimberly McFarland doing tremendous work. We have
a plan at Stewart titled Don't We Yes, we do
to be able to meet and exceed the expectations of
real estate professionals, buyers and sellers all over all the areas.

(53:06):
That's right, and that's why it's so exciting. That is
why it's so exciting.

Speaker 7 (53:09):
So let us let us help you in your next
transaction and let us know how we can help seven
one three, four zero eight zero two five five.

Speaker 3 (53:17):
And I bet if someone wants to bring a contract
to us, we're going to be overjoyed. But also we're
going to be able to add value in a magnificent way. Absolutely,
it's key. Well, thank you, it's great to see you,
and thank you all for listening to real Estate Matters
with Stewart Title. I am your host, Bill Nampick, together
with John Bramlett, all of us. It's Stewart Title and

(53:37):
Stuart Insurance. We appreciate you listening to the show. Please
tell your friends look for us on all the media platforms.
We are there, and once again you could see this show.
You could see the guests. That's right, you heard them,
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I want to see the excitement in the studio. It's easy.
Just go to Stewart dot com Forward slash Radio. That's right,
Stewart dot com Forward slash Radio. In additions, that is

(54:00):
where you can find the show archives of all the shows.
Thanks for listening. We'll see you next week. Stewart dot
com Forward slash Radio