January 12, 2025 • 54 mins
On this episode we have Lake Conroe experts & other fine guests!
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Episode Transcript
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Speaker 1 (00:00):
When it comes to real estate, everything matters whether you're
a broker, real it's or homeowner, buyer or seller. For
informative and entertaining information when it comes to owning, buying,
and selling real estate, tune in Sundays at five pm
to Real Estate Matters with Stewart Title, broughts you by
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Speaker 2 (00:15):
I'm just here for everyone.
Speaker 3 (00:17):
Bet, that's the quote of the year. Well, thank you, Michelle.
Speaker 4 (00:22):
I'm here for everyone.
Speaker 3 (00:23):
Bill, Thank you, sir.
Speaker 5 (00:26):
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 6 (00:39):
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 Napik
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,
(01:03):
entertain and inspire. Bill Nevick, Welcome to the show. It
is Real Estate Matters and I am your host, Bill Napek.
Here it is the very first show of the year,
a fresh edition, super guests all the way around, also
known as Show number five hundred and forty eight. That's right,
we've been coming to you five hundred and forty eight
(01:23):
weekends every week, and simply go to Stuart dot com
Forward Slash Radio.
Speaker 3 (01:28):
That's right. You can see and hear the show at
Stuart dot com Forward Slash Radio. Just in case you
want to go to the show archives. That are all there,
all five hundred and forty eight shows at Stuart dot
com Forward Slash Radio. And happy New Year to each
and every one of you out there. Let's get down
to business and welcome Jesse Fleming and Kelly Perkins. Ladies,
(01:54):
welcome to the show.
Speaker 2 (01:55):
Thank you, you're so much happy to be here.
Speaker 3 (01:58):
Well super awesome, and we're going to have a lot
of great things to talk about as you guys are
in a really sensational place here in Houston, Texas. As
far as where you focus your work, Let's tell people,
first of all, your company is Compass.
Speaker 7 (02:12):
Jesse, Yes, we are Lake Connor Realty Group with Compass.
We started out back in two thousand as a small
boutique brokerage. We've been just about the number one brokerage
on the lake since and we merged with Compass back
in twenty twenty one, so now we're late Connor Realty Group.
Speaker 3 (02:29):
And it's great that you mentioned the word lake because
as people listen to the show outside of Houston, they
may not know that they think of Houston as a
big city, they may not know that we have a lake.
At least one or two lakes that people that are
very popular. The most popular one, I think is the
one that you're focusing on right Teller.
Speaker 8 (02:46):
We're on Lake Conroe, and we're so very desirable for
people that live in Houston because we're only less than
an hour away from the main city and it's a
great place to go boating restaurants, has great nightlife, lots
of family friendly activities, you know, it's just a great place.
(03:08):
So we have a lot of full timers that we help,
but we also I would say fifty percent or more
of our business is just people who are buying weekend
homes that live in Houston.
Speaker 7 (03:18):
And I want to add to that, the school districts
are incredible. Lake Creek ISD has just added a school,
a new school, high school to our area. And so
we have Montgomery ID, which is amazing, and then Willis
ID which is growing so much. So the school districts
for families that live there permanently are incredible.
Speaker 3 (03:40):
So many great things going on. And as far as
the whole idea of living near a lake on a lake,
people love. People just want to be near water, and
of course pricing will vary in depending what part of
the water or if you're near. It's going to all depend.
But give people an idea right now the marketplace in
the Lake con Row area, how popular is it and
(04:03):
how busy are you guys? Right now as we start
the year.
Speaker 7 (04:07):
I think I can speak last year fast forward to
this year. It is significantly more busy. So we've been
off to a great start at the end of this
last quarter and into this first quarter of twenty twenty five.
In terms of housing, you can be Waterview in the
three fifties all the way to Waterfront's over a million,
(04:27):
two million, three millions, So it really varies, but there's
so much for each and every budget on the Lake
and Jesse.
Speaker 3 (04:34):
Would it be safe to say, as we described the
pricing of these words. You mentioned the pricing of these
properties someone could get. There's town homes, there's condos, condos,
small homes, large estates on the lake.
Speaker 7 (04:48):
So acreage on the water versus smaller deeded restricted communities.
Speaker 8 (04:54):
Yeah, you could get a small one bedroom condo for
one hundred and fifty or two hundred, or you can
get a huge estate on the water for four million.
Speaker 4 (05:06):
So you really there's a lot of variety.
Speaker 3 (05:09):
Well, it sounds to me like for someone interested in
property in the area in the Montgomery County, they need
to work with someone that knows the details and all
the things that go with lake living. It sounds like,
you guys know a lot of stuff. Give us an
idea what we should know about when considering a property
in the lake in a lake area like this.
Speaker 8 (05:30):
Yeah, there's so many special details that you have to
know as a real estate agent when you're working with
properties on Lake Conroe, especially Lake Conrode's special because the
lake depths, they fluctuate depending on the time of year
and the weather and things like that, So you really
need to know a lot about the different areas and
(05:52):
the depth of the lake in those areas, especially when
the lake level is down, and what kind of boat
your client is going to be having, whether or not
they can be able to get their boat out, if
they're going to be on open water, if they're going
to be on a canal, you need to look at
their bulkhead and make sure that the bulkhead looks good.
(06:13):
There's so many different things to do with boat slips
and covers of boat slips and what deed restrictions.
Speaker 4 (06:19):
Allow are allowed.
Speaker 8 (06:22):
There's a lot of really fine details that come into
buying a house on Lake Conroe, and thankfully we've got
it all figured out.
Speaker 3 (06:31):
You are the experts.
Speaker 2 (06:33):
We are experts born erased.
Speaker 3 (06:36):
And as far as the side, if someone were listening,
and even Houstonians myself, I don't know. I guess Lake
Conroe is a big lake, but how would we say
how big it is?
Speaker 4 (06:47):
It's big.
Speaker 2 (06:48):
I think it's twenty seven yeah, yeah.
Speaker 3 (06:52):
Twenty seven twenty seven thousand acres of water. That's a
lot of water. And there's I'm sure there areas where
it's deeper than others and so forth.
Speaker 7 (07:02):
Ato, yeah, where at shallow there's channels still where you
can get in and out, but you have to you
have to know the local experts or the fishing experts
on the lake to help you get your boat in
and out of the channels.
Speaker 3 (07:13):
And one of you said about people that are buying
the weekend homes, you said it's about fifty percent.
Speaker 8 (07:19):
I would say it's close to fifty to fifty definitely.
You know, fifty percent of the people live full time
and the other fifty percent are just weekenders that come
in for the weekend.
Speaker 3 (07:31):
We'll give us an idea as far as other than
Houstonians that either want to move to north and also
I think there's some desirable tax areas up there in
Montgomery County, maybe more so than here. That's another thing.
But outside of the Houstonians, I know you're serving people
from outside of Houston. So give us an idea where
(07:51):
they're coming from. When you're working with a buyer outside
of Houston, where they're coming from and what attracts them
to this area.
Speaker 7 (08:01):
Yeah, so I can speak on that. I'm working with
a client right now actually from California. Pretty much from
twenty nineteen to twenty two, we had so many Californians
jump on the Lake and invest in our properties. Some Coloradians, Floridians,
New Yorkers just moved here into April Sounds specifically, so
they're pretty much from all over. The taxes are low
(08:25):
on the lake in almost all the neighborhoods, so that's
a big benefit to owners. And then of course you're
on the water, so it feels like you're on vacation.
Speaker 3 (08:34):
And I feel like I'm on vacation just talking with
you too. It's amazing. But how do they find Jesse
Fleming and Kelly Perkins from California or Colorado? How does
that happen?
Speaker 8 (08:46):
Well, we're with Compass, and so it's a great it's
a great company because we have a nationwide network of
Compass realtors. So a lot of the leads that we
get that are coming from California, they're working with a
Compass agent to sell their house in Colorado or in California,
(09:07):
and so they reach out to us because we are
the Compass Lake Conroe agents and so we get a
lot of our business that way through the Compass nationwide network,
which is also great for people that live here and
might be relocating, say they're going to move to Tennessee, well,
we can find you the top realtor over in Tennessee
(09:29):
once you list your property in your movie.
Speaker 3 (09:30):
It's funny you mentioned of all the fifty states you
could have mentioned, Kelly, why Tennessee. Why was that top
of mind?
Speaker 8 (09:38):
Just curious because I was supposed to be there today
on a trip, but I stopped and I didn't go
because of this.
Speaker 3 (09:47):
Well, actually, Tennessee. Well, I think about Tennessee every now
and then because it's a tremendous state.
Speaker 2 (09:52):
Yes, in the state, it's growing so much growing.
Speaker 3 (09:55):
You talk about Californians are moving there. We've had winters
on from Tennessee.
Speaker 2 (10:00):
Texan realtors. I know that own land now in Tennessee.
Speaker 3 (10:03):
Yeah, no state income tax, very scenic, so a lot
of tremendous things in Tennessee. So, yes, the people from
California come to Texas, they go to Tennessee as well.
Speaker 7 (10:14):
Which I want to add, land too is so amazing
in Montgomery County.
Speaker 2 (10:20):
It's really one of the only.
Speaker 7 (10:21):
Areas outside of Houston that you can still afford land
out there. Kind of it's getting pretty expensive, but you
can own land and acreage about ten acres and still
be about five minutes to the lake. So we also
work with a lot of land clients who want to
be on the land but also have access to the
lake at their leisure.
Speaker 3 (10:39):
Well, we also want to remind people as we talk
about you helping people around the lake, you're serving buyers
and sellers all over Houston, so you're not restricted. I mean,
you know about a lot of areas. And speaking of
that right quick, Jesse. As far as land, Let's say
someone wants to go to Montgomery County and have a
little bit of land. They're not really worried about water,
(11:02):
waterfront or anything like that. But let's say they want
more of a cabin because there's a lot of forest
up there. Those that are listening outside of outside of Texas,
there's a lot. There's this Sam Houston forest right up there.
Speaker 2 (11:12):
It's gigantic and a huge portion of the lake that
you can't build on.
Speaker 3 (11:16):
So what if we want a cabin, say in the
forest and maybe two three acres, is that possible?
Speaker 7 (11:23):
If you want a cabin, you're going to have to
go up north of the lake definitely, and your budget
will be significantly more doable. You could probably get a
cabin for what two hundred to three hundred thousand on
two to three acres.
Speaker 3 (11:35):
I'll take you that's.
Speaker 2 (11:36):
Going to be more like North Willis.
Speaker 3 (11:39):
Sounds good to me. We're talking with Kelly Perkins and
Jesse Fleming there with Compass. Well, ladies. Before we close
this segment, Jesse, what else do you want people to know?
Speaker 7 (11:49):
I want you to know that it matters who you
work with, especially on Lake Conro, and we are your
local experts here.
Speaker 3 (11:55):
To help you, local experts doing tremendous work. Twenty four
to seven. And Jesse, if someone wants to reach out
to you, let's tell them how to reach you.
Speaker 7 (12:05):
Yes, you can find me on social media at Jesse Fleming,
Underscore Compass or eight.
Speaker 2 (12:12):
Three two three three four two five five fours. My
phone number.
Speaker 3 (12:15):
The number again is eight.
Speaker 2 (12:17):
Three two three three four two five five four.
Speaker 3 (12:20):
And Kelly, what else do you want people to know?
Speaker 8 (12:23):
I guess the best thing I would like for people
to know is that our team we treat you like family,
and our relationships mean everything to us. And so when
you work with us, you're working with us and we
are going to treat you the very best, just like
we would treat.
Speaker 4 (12:41):
Our own family members.
Speaker 8 (12:43):
And people say that all the time, they're like, we
loved working with y'all because you just you love us
and you know it's just a great it's a great relationship.
Speaker 4 (12:53):
We care so much about our people.
Speaker 3 (12:55):
And how can we reach you Kelly Perkins.
Speaker 8 (12:58):
Okay, so I guess on on Instagram it's miss dot
Kelly dot Perkins and my cell phone is nine three six,
nine hundred.
Speaker 4 (13:11):
Forty one hundred.
Speaker 8 (13:14):
Again the number is NIX, nine hundred forty one hundred.
Speaker 3 (13:19):
Thanks ladies for being with us.
Speaker 2 (13:20):
Thank you, Bill, thank you.
Speaker 3 (13:23):
As we continue, let's talk to Jamie Bertrand. She is
with Elite real Estate Services and she is on the
board of directors of HAAR in the Southwest region. Jamie,
welcome to the show.
Speaker 9 (13:38):
Thank you for having me.
Speaker 3 (13:39):
We'll harry back. You are back, and it's been a while.
You were on the show, I don't know, last year sometime,
and of course everything before today was last year.
Speaker 9 (13:49):
Last year.
Speaker 3 (13:49):
Because we're in a brand new year and you're doing
tremendous work helping buyers and sellers. First of all, let's
tell people about Elite real Estate Services and what you're
doing and where you're practicing.
Speaker 10 (14:00):
So Eliite real Estate Services, we are a boutique brokerage.
I am the principal broker, have a small team. We
are actually located in Missouri City, and I have an office.
Speaker 9 (14:10):
In Los Angeles as well. So I am dual.
Speaker 10 (14:13):
Broker and we assist with residential and commercial purchases, transactional
I'm sorry, investments.
Speaker 9 (14:23):
We have a right array of clients that we work with, and.
Speaker 3 (14:27):
Let's give people an idea, especially those that might be
outside of Houston listening on the internet or something as
far as Missouri City and Fort Ben geographically where that
might be as someone would think they think about Houston,
this big old city, but give us an idea where
those places are. For those that.
Speaker 10 (14:43):
Missouri City is southwest, is about twenty miles outside of
the Houston area, maybe about ten miles from sugar Land.
So we handle sugar Land, Missouri City, Fresno, Rosenberg, Richmond, Katie,
some parts of Katie that is in.
Speaker 3 (14:57):
Fort Ben County, and we'll tell people it's a very
popular area as far as Houston goes. So as far
as the marketplace, right now, give us an idea of
what's happening with buyers and sellers in the South.
Speaker 10 (15:11):
So it depends right, because everything is market centers. So
for example, some parts of Missouri City, especially the master
planning communities where there are builders, the homes are sitting
a little longer when it comes to resale. But new
construction has been pretty busy. We have been seeing an
average four point three months days on market for resale,
(15:35):
but for new construction because of you know, the builders
are able to give incentives, they're able to buy down
interest rates, so a lot of time the sellers can't
compete with that. So the market is better with new
construction than it is for resale.
Speaker 3 (15:51):
That's right. We've been hearing a lot about how builders
are giving and they have the ability to give certain incentives,
throw things in and these sorts of things. But not
everyone wants a brand new home, and it depends. But
at least you have that inventory there, right, But it's.
Speaker 10 (16:06):
The principle of substitution, right, So if you have homes
that are reseale that are the same amount of a
new construction home, typically the buyer, dependent on the buyer,
they're going to go toward the new construction home.
Speaker 3 (16:19):
Well, you mentioned Los Angeles. We can't not talk about
it because a lot of people are moving from California
and I'm going to guess you're helping people that want
to be here in Houston. Correct, But there's probably a
few that want to go to the West Coast or not.
Speaker 10 (16:33):
I have not seen that yet, and that was part
of the reason I got licensed in California. So I
moved here from California about twenty years ago. My sphere
of influence there is strong. So when I was relocating
a lot of people from California to Houston, I decided,
you know, you might as well go ahead and get
your broker's license there so I could manage both transactions
(16:54):
and make it a seamless transaction for the client having
to deal with one person.
Speaker 3 (16:59):
Real vision, I think that takes vision. But what city
in California did you live?
Speaker 11 (17:03):
So?
Speaker 9 (17:04):
Los Angeles, Long Beach, that area.
Speaker 3 (17:07):
See one of my favorite places is Laguna Beach. So
when you go south, for people that know the area,
you go south on Route one, you can hit Laguna Beach.
That's a very beautiful and popular area.
Speaker 9 (17:17):
It's expensive to you.
Speaker 3 (17:19):
Very expensive. So now that you're here in Houston, what
do you miss most about California?
Speaker 9 (17:24):
Oh, the views, the mountains, the beaches. I don't miss
the taxes. I don't miss the cost of.
Speaker 10 (17:31):
Living, but the views are remarkable, unmatched.
Speaker 3 (17:36):
They really are.
Speaker 9 (17:36):
Yeah.
Speaker 3 (17:37):
So meanwhile, when you're sitting in Missouri City, at least
we could have our imagination right well, and I can.
Speaker 10 (17:42):
Always travel and then come back home to where I
could live comfortably.
Speaker 3 (17:47):
He is no doubt about it. In the meantime, I
mentioned that you are on the board of directors of HAR.
Let's tell people in case they don't know about HAR,
about HAR and what you're doing on the board there.
Speaker 10 (17:58):
So HBr is a h an association of realtors and
they are one of the largest associations in the in America.
So they do have a governing body. They have a
chair and they also have an executive board of about
I want to say, maybe eight people, and then they
have the board of directors, which.
Speaker 9 (18:16):
Is about maybe twelve.
Speaker 10 (18:18):
And what we do is we just make sure that
our association one is relevant, that we continue to roll
out information classes that will keep our realtures relevant and
keep them employed. We also determine our mls what to
add to it, you know, those feels that you know
people talk about that's not there. We determine if we
(18:40):
want to add a field there or even our duels.
You know, we have not had to do dues increase
in years and that's because our board decided that we
want to keep it affordable for our ltures. So there
are many hats that we wear to run our association,
but it is agent centric.
Speaker 9 (18:59):
Everything that we do, every decision we make.
Speaker 10 (19:01):
Is tailored toward the success of the members of HR.
Speaker 3 (19:06):
And well, you mentioned agents here in Houston. Do you
have an idea about how many million or.
Speaker 9 (19:12):
How manys those?
Speaker 10 (19:13):
We have about an estimate of forty four thousand members
of HR.
Speaker 3 (19:18):
So that means if you're listening again outside, that's about
forty four thousand people have the real estate license give
or take correct.
Speaker 4 (19:25):
That's a lot and it's a lot.
Speaker 3 (19:27):
And then out of that group, there's still a certain
percentage that are practicing every day and it's I don't
know what that. Do you have an idea what.
Speaker 9 (19:34):
They don't have that?
Speaker 10 (19:35):
Yeah, but as a saying, at ten percent of the
realtors are doing a work that are actually having transactions.
Speaker 3 (19:41):
So there you are. I don't know how you manage
your time, Jamie, because here you are. You have interest
in California, certainly in Missouri City Fort Ben. But also
you are working with Hares, So how do you manage
your time? Because all those things on there, each one
of them on their own, I think is a more
than a full time job. How do you do it
(20:01):
and stay so calm and have such a beautiful spot.
Speaker 9 (20:06):
Well, it used to be alcohol.
Speaker 10 (20:11):
It used to be alcohol, but I stopped drinking almost
two years ago.
Speaker 9 (20:18):
So so I go to the gym every day five am.
I work out, I meditate a lot of meditation.
Speaker 10 (20:25):
But I have a husband, I have three children, and
my in laws they're very supportive of me and my goals.
So it's all about managing your time.
Speaker 3 (20:36):
And it helped, as you're saying too, it helps all
kidding decide. It helps to have a team and helped
stay Do you have a team support behind Julie? Yeah,
I have a team professionally and personally, very powerful components.
No doubt to your success in the meantime as you
are with har and as you're practicing real estate every day,
what is the outlook, especially at HR, when you're in
(20:57):
meetings and things, when you all get together and in
the end of last year, what's the outlook for twenty
twenty five. What's the excitement. I think there's excitement, right, There.
Speaker 10 (21:06):
Is excitement, there is certainty, But I don't have numbers.
We haven't had our forecast just yet. We are the
Young Professionals Network of HR. We are having a forecast
on January eighth. I believe that's Wednesday, so you know,
if this airs before, I don't think it is, but.
Speaker 9 (21:25):
There is going to okay, Well, we do.
Speaker 10 (21:27):
Have a forecast coming up, so I don't have those
numbers just yet, but I can say there is a
lot of certainty and there's a lot of excitement of
what twenty twenty five is to bring.
Speaker 3 (21:37):
Well, we always hear about interest rates too, from the
realtor standpoint. What are you hearing about interest rates through
har I mean who really? No one really knows, but right,
but we like to talk about it.
Speaker 9 (21:49):
So interest rates for me have been steady. I think
what happened.
Speaker 10 (21:54):
Is during COVID when the race went from two percent
to five six percent, there was a shock there. So
I think buyers are coming off of that shock and
they are more not willing to pay, but they are
more accepting of the new interest rates. So I have
(22:16):
been seeing seven percent for my transactions for my clients.
I haven't seen anything less than that, but you know,
I'm optimistic that.
Speaker 3 (22:26):
Maurice Wood drops so and at this point in time,
as you're helping buyers and sellers about are you are
you helping more buyers at this point or.
Speaker 9 (22:35):
Sellers so well, buyers are buying.
Speaker 10 (22:38):
I am working with buyers and sellers, but my buyers
are They're going in the contract and purchasing homes faster
than my listings. My listings have been sitting a little while,
but again I'm optimistic. Right after the new year, I've
had an influx of showings on my listings, so we'll
see how that goes.
Speaker 3 (23:00):
That sounds awesome, and Jamie, before we close this segment,
what else do you want people to know?
Speaker 10 (23:04):
Well, I want people to know that I am here
as a resource, especially routs. I'm here as a resource
if there are anything, if there's anything that you feel
that you need or the association needs to change, then
you can always reach out to me. Of course, I
am a relocation specialist as well, so if you're looking
to relocate from California to Houston, or if you want
(23:26):
to if you want to leave Houston go back to California.
Speaker 9 (23:29):
I am here as a resource.
Speaker 3 (23:31):
Well, I might want to go to California, so I'll
be sure to keep that in mind. And Jamie, let's
tell people how they can reach you.
Speaker 2 (23:37):
So I am.
Speaker 10 (23:38):
Jamie Bertrand across all social media platforms Facebook, LinkedIn Instagram.
Speaker 9 (23:43):
Is Jamie Bertrand. My number is seven one, three, five, three, eight.
Speaker 10 (23:47):
Four, nine two four. Number again is seven one, three, five,
three eight.
Speaker 9 (23:52):
Or nine two four.
Speaker 3 (23:54):
Jamie, thanks for being with us, Welcome, thank you for
having me. Well, it's time once again to talk money.
First time to talk money in this brand new year.
We now have Josh Ainsworth. His company is Advanced Lending Solutions. Josh,
welcome to the show.
Speaker 12 (24:10):
Thank you for having me.
Speaker 3 (24:12):
Well, here you are. Money is the lifeblood of almost everything,
especially real real estate. So let's tell people about your company,
Advance Lending Solutions.
Speaker 12 (24:22):
Well, I'm director of business development for Advance Lending Solutions.
We are a local wholesale brokerage operation. Been in business
about fifteen years. I've been with a company about a
year and a half. Previously came from a new construction
spent many years there and wanted to go strictly into finance.
(24:43):
But our business models built on you know, we're kind
of the loan fixers. About forty percent of our clients
have been turned down by other banking institutions. Why that
is or why we're successful what we do. We work
with over thirty different banks, have access to a lot
(25:04):
of products of your average credit union or banking institutions
are not going to have, and through that it allows
us to be very aggressive, control the deal and also
make our realtors look like heroes at the.
Speaker 9 (25:18):
End of the day.
Speaker 3 (25:18):
So so, and I think you kind of answered the question,
but even just to embellish, as you mentioned right when
you started out a wholesale mortgage, tell us about the
wholesale part is that because you have access to so
many companies.
Speaker 12 (25:33):
Right wholesales, it's a fancy t of just being independent. Really,
like I said, we're constantly accruing more banks. We work
with about thirty different institutions right now, so that allows
us to grow our business and a lot of different
trajectories and we're not going to be limited to products
(25:58):
that your average bank would be would be stuck with
if not.
Speaker 3 (26:04):
And Josh, as far as geographically, you're certainly right here
in Houston, but is there an area that your vote
that you focus on more with your business or what's
your geographic span here?
Speaker 12 (26:13):
We are licensed in five states. Texas has definitely are
where we're based. We're based out of League City and Seaburg, Texas.
We have two offices there, but Colorado, Florida, Illinois, Michigan.
We've got a pretty wide branch of market area.
Speaker 3 (26:34):
And then right now again we're here at the beginning
of the year. As your company gets together, you have
meetings and your forecast, and you like everybody else, especially
maybe more so because you're in the money business. You're
forecasting and thinking what's the interest rate's going to be,
what's the outlook that you have as someone working in
a mortgage company.
Speaker 12 (26:53):
I mean, I think there's a lot of optimism in
this market right now twenty twenty five. I think we're
going to see a lot more inventory. First of all,
I think it's going to become a lot more competitive,
you know, people waiting on the market. I kind of
giggle when I hear people say that. You know, it
never gets cheaper to buy rates or rates or rates.
(27:15):
You could see even we had three different interest rate
reductions in the last year and mortgage rates are still
going out or training up a little bit, So I
expect more of that in twenty twenty five, probably more
in twenty twenty six. But you know, the old golden
(27:36):
rules still apply. It never gets cheaper to buy. You're
better off purchasing than potentially refinancing. With rates shift, and uh,
you know it's there's a lot of confidence going into
the market right now.
Speaker 3 (27:53):
Well, those are very powerful words in many categories. It
doesn't get cheaper to buy. It doesn't, I mean, because
there's always something going up. If it's not the interest rate,
it's going to be the insurance or the home is appreciated.
Speaker 12 (28:05):
Rates go down, inventory goes up, buyers go up. Prices
you know, you're it's basically a wash.
Speaker 3 (28:12):
So at any given point when someone's looking at a
property or several properties, investors or whatever, you just have
to look at the total picture, right absolutely, And the
money part still is a very very important component. So
as far as the type of people that you're helping
in the type of loans, give us an idea of
all the loans, because I think that's one of the
(28:34):
things if I'm looking for a loan, I'm going to
rely on someone like you to say, man, I don't
know what kind of loan is the best for my situation.
So how does that work? How do you tailor that
to the individual or the family? What's the right type
of loan?
Speaker 12 (28:48):
Great question, asking the right questions. Knowing your buyers like
you know, there's you know we can you really need
to be guiding your your your clients at that point.
We have great down payment assistance programs. They're grant money
that you do not have to pay back one hundred
(29:09):
percent conventional products.
Speaker 9 (29:12):
Uh.
Speaker 12 (29:13):
You know, we've got a bevy of of loans for
your average average buyer and your first time buyers. And
I mean that's where you make your money, is leading
them in the right direction and starting rute way. It
always begins with financing is the most important part.
Speaker 3 (29:28):
And what about the first Are you helping a lot
of first time buyers? Are they out there?
Speaker 9 (29:33):
They are?
Speaker 12 (29:34):
I mean, you know with the the new generation's coming up,
you know that's that's they're they're going to be the
buying buying class before you know it. So you have
to you have to build a business or tailor your
business model too to uh to to work with those clients.
Speaker 3 (29:54):
And let's take the last ten loans that you've helped
people with about what's the average amount that these last
ten loans, how much of they put down they put
down twenty three what's the average amount you're seeing?
Speaker 12 (30:08):
You know, I think that money is always better off
in your bank account or invested elsewhere then your down
payment in your home. Like I said, we have one
hundred percent products that I've done two of those in
the last sixty days where client actually came to the
table with less than a thousand dollars in closing costs.
(30:29):
So I mean I I always want to keep as
much money in your bank account as possible and put
as little down.
Speaker 3 (30:37):
And if there are any veterans out there that are
listening in as far as products that the veterans have
available to them, what would you tell the veterans that
might want to give you a call?
Speaker 12 (30:48):
You should definitely call because our rates are extremely competitive
in that in that space. You know, I could we
can help vets down to five eighty credit right now,
which is pretty unheard of. There are there are lenders
that are lending it. And then that kind of a
credit score, you know, you earned it, you worked you know,
(31:10):
you you worked hard for that to have the kind
of a right as a as a consumer, and you
know you should jump on it.
Speaker 3 (31:19):
So the veterans have certain specific benefits that they have
access to. So that's a great thing. You mentioned credit,
a credit score? What is this do you? You see
when someone works with you, you get an idea of
their score. You see their score. Yeah, immediately, I mean
that's stuff I apply for a loan right away. You're
gonna say, hey, Bill's got X score, right you would, yeah,
(31:42):
I mean basically yes, yeah, mine's very high, by the way,
no kidding. So in the meantime, the I had just
read an article in today's Wall Street Journal today being Monday,
about a guy that's an engineer. You know, engineers like
to have things perfected. There's a guy that worked, he
had an eight twenty or an eight thirty credit score,
and he was trying to figure out the variables how
(32:04):
he could get the perfect perfect score, and according to
the Wall Street Journal article, it was eight hundred and fifty.
But he worked and tweaked all his things as financial
things to where he actually achieved an eight hundred and
fifty credit score. So now he's going to work at
keeping that score for three months to see if he
could do that. I've never heard of that. It was
front page Wall Street Journal.
Speaker 12 (32:26):
It's an interesting goal.
Speaker 3 (32:27):
In fact, I didn't know eight to fifty was the
top score. How often you see in the eight hundred.
Speaker 12 (32:33):
Oh one and never really, Yeah, that's fair. Well, I
mean you're talking to guy who's had to rebuild his
credit a couple of times. I'll be honest, you know,
I mean, that's it's it's pretty rare, and there's not
much of a difference in the eyes of a bank
in eight hundred and seven forty. Really, I mean you're
(32:56):
gonna have the pretty much the same.
Speaker 3 (32:58):
Seven forty's pretty good though, too.
Speaker 12 (33:00):
Yeah, I mean that's if you want great credit, that's
pretty much kind of the kind of the number that
people strive for.
Speaker 3 (33:06):
So then would you say you see more more credit
scores than seven hundreds or in the or in the
highest sixes, I would.
Speaker 12 (33:14):
Say, I would say mid to high sixes. But I
mean that's that's buyer territory. We could do a lot
with we.
Speaker 3 (33:24):
But you're also saying when you started out that you
can help, you're helping people that others may that have
been turned down. You said that, right, right.
Speaker 12 (33:32):
A lot of the times it's not so much credit
is income verification and things along those lines. Self employed people.
We have a couple of mass Track home builders who
send all of their turndowns to us because we have
the ability to work, you know, to find the perfect
(33:53):
loan for that that that buyer.
Speaker 3 (33:55):
So it's important for someone that's either working with an
employer or if they're self employed, just to have docum
much ready to go when they talk to someone like you,
Josh Ainsworth.
Speaker 12 (34:03):
You, yeah, you always want to be organized and have
those kind of products, have have that documentation. But we
do have loan programs that are self made profit and loss,
no tax returns, no big statements. I mean, once again
kind of working on the the wholesale side, as I
refer to it, we find loans that most people don't
(34:26):
even know exist.
Speaker 3 (34:27):
In my industry. It sounds like where there's a will,
there's a way always Josh Ainsworth, Josh, let's tell people
how they can reach you at Advance Lending Solutions. My
phone is my office.
Speaker 12 (34:39):
Just I'm gonna give it there at two eight one
seven zero seven two eight one five Again the number
is two A one seven zero seven two A one
to five.
Speaker 3 (34:50):
Thank you so much, Josh Ainsworth. Real Estate matters with
Stewart Title would not be possible without our partner Stewart Insurance.
With a focus in real estate and a special focus
on real estate broker's, 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
(35:12):
and manage their risks. Here he is with Stuart Insurance.
John Bramlett, Happy to year, Bill Well, happy new Year.
A fresh show for twenty twenty five. We call it
show number five forty eight, and here we are once
again talking about insurance and so many other great things.
Speaker 13 (35:29):
Yes, it's been a fantastic show so far and it's
a great way to kick off the year.
Speaker 3 (35:34):
Indeed it is. And of course everybody awaits the insurance
segment because it's always awesome and interesting at the same time.
Speaker 13 (35:42):
Well, for our listeners consideration, I have some thoughts ten
potential insurance New Year's resolutions. Well, here we go. Let's
go ten ten. So number one is know your wants
and needs. So whether you're an individual of family or
a real estate business. From an insurance perspective, what are
(36:03):
the things that are more A better way to put
it would be your musts and your wants? So what
is a must and then what would I like to have?
And if you're not sure about how to to delineate
the two, then you know, find a good insurance advisor
to help you work through that. So that would be
number one, knowing your musts and your wants. Number two
(36:27):
would be have the ability to share your concerns with
your advisor. So maybe not so much about specific things
within a policy, but what are my concerns about coverage?
Speaker 3 (36:40):
You know what am I?
Speaker 13 (36:41):
Am I concerned about somebody saying that a member of
my team discriminated against them, so I need to make
sure I've got coverage there? Or am I concerned that
I want to make sure that I have the right
amount of water damage for my home policy. So understanding
what those concerns you have are, and again if you're
not quite sure how to get there, then find an
(37:04):
insurance advisor to have that conversation. And that leads us
into resolution number three, and that's to have a good
insurance advisor to have somebody on your team that works
with you and your family or your real estate business,
that has your best intent in mind, that they're truly
(37:24):
trying to build you an overall plan for yourself or
your family or your business versus just selling you a policy.
Somebody that you can lean on to help you figure
out those musts and wants, or somebody that you can
lean on to figure out what those concerns are. So
that would be number three. Just having a really solid
insurance advisor.
Speaker 3 (37:43):
And I understand John, twenty twenty five is the year
of having a great insurance advisor like the team it's
Stewart Insurance.
Speaker 13 (37:51):
It is. It is the new year of that and
Stuart Insurance happens to be an excellent resource for those
insurance advisors. Resolution number four is consider combining your home
and auto. That if you're willing to work with us
or any insurance advisor and combine your home and auto
with the same insurance company, many times they will give
(38:14):
you a break on both premiums. So it's a way
that we can save some money on our premiums. One
way we can look at it is combining our home
and auto with the same insurance company. Number five and
this is for our investors that are out there is
understand or those that work with our investors out there
understand how the property is being used, because based upon
(38:36):
how the property is being used is going to drive
the type of coverages that are available. So if you're
buying a home and it's going to be your primary residence,
you're going to be looking at home insurance. But if
you're buying a home and that's going to be an
investment property and you're going to have long term rentals,
then that would be dwelling fire coverage. But if you've
got a short term rental, then that's even a different
(38:57):
type of coverage. So making sure that those that work
with the our investors or those that are investors understand
that how the property is being used is going to
drive drive the coverage. So that was number five. Number six,
especially if you live in the greater use scenario, but
anywhere is consider flood coverage. Have a conversation at least
consider having flood insurance, and if you do have flood insurance,
(39:20):
take a look to make sure that it's still apple
for what your needs are in today's market. So number
number six is consider flood insurance. Number seven is if
you do open houses, if you're a realtor or a
real estate broker and you do a lot of open houses,
take a look at have general liability insurance or business
owners policies. So it helps with things like bodily injury
(39:43):
if somebody would get hurt at the open house, or
property damage if you were to damage somebody's property at
the open house.
Speaker 12 (39:51):
That helps.
Speaker 13 (39:53):
What a business owner's plan does is it takes that
general liability policy that I just mentioned and add in
commercial property or business personal property, so you can get
things like your desks and your chairs, and your computers
and your printers and your servers covered as well. So
if you do open houses, consider a general liability policy
(40:13):
or business owner's policy. Number eight. We're seeing more and
more people work remotely, and with that case, while it's
very convenient both for the brokerages as well as for
the individual realtors, with people working remotely, we're not always
sure where they work, we're not always sure how secure
the systems are. We're not secure always sure how secure
(40:36):
the Wi Fi that they're using is. So consider a
cyber liability coverage that we're just seeing more and more
issues with the cyber criminals coming in and attacking businesses
and especially real estate firms because of the size of
the transactions that we handle and the amount of personal
private information that we handle. So you know, number number
(40:58):
eight is to take a look at at cyber coverage.
Number nine is just being properly insured. Making sure that
you are comfortable with the coverage that you have. So
it could be the most robust policy in the world
or policies, or it could be very conservative, as long
as you're comfortable with what that coverage is, whether you're
a real estate broker, a property management firm, an independent
(41:21):
title and aterorney agent, or just a family. As long
as you're comfortable with what that coverage is, in our minds,
you're properly insured. So that would be number nine. And
then number ten is make sure that you listen to
real estate matters every week.
Speaker 3 (41:34):
Very important.
Speaker 13 (41:35):
Yes, number ten, listen to real estate matters.
Speaker 3 (41:37):
We might remind people not only listen every week, but
you might hear something today on today's show you want
to hear again, or you may say, gee, I wonder
what they were doing in October of last year, or
what topics were covered in December. Simply go to Stewart
dot com, Forward Slash Radio. It's that easy. They're all
there and they get an extra bonus, John, as you know,
(41:59):
they not only hear the show, but they could see
the YouTube video of the fantastic guess that we have
each and every week for five hundred and forty eight weeks.
Speaker 13 (42:08):
Well, and I would admend that a little bit then,
Now that resolution to not only listen to the show,
but work with our guests at least give our guests
an opportunity to earn your business.
Speaker 3 (42:19):
And that's right, because they'll give phone numbers along the
way and you might miss the phone number if you're
driving or so forth. Again, just go simply to go
to Stewart dot com Forward Slash Radio. And you really,
the information that we get even though we do this
each and every week, you and I, the things that
we hear, and the knowledge that the people we have
(42:39):
that are our guests, it is incredible.
Speaker 13 (42:42):
Yeah, there's never a show that we don't learn.
Speaker 3 (42:44):
Something, as it says in the very beginning, and form, entertain,
and inspire. We work at doing all those things each
and every show, and somehow the guests do it as well.
Speaker 13 (42:55):
Absolutely, Yeah, I mean the guests are the key exactly?
Speaker 3 (42:59):
Well, John, what else should we know?
Speaker 13 (43:00):
Well, if you would like to be properly insured, or
if you would like to talk with us about one
of those ten resolutions are all ten, We would be
happy to do so. And you can reach us at
eight sixty six seven nine eight two eight two seven.
That's eight sixty six seven nine eight two eight two seven.
You can email us at Stuart Insurance at Stuart dot
com and learn more about the company at Stuart Insurance
(43:23):
dot com.
Speaker 3 (43:23):
John, I understand if they call during regular business hours,
they also get an eleventh bonus.
Speaker 13 (43:29):
And that's correct that they'll speak with somebody live versus
getting caught in some sort of a recording tree.
Speaker 3 (43:36):
No doubt about it. John, One more time. The phone number.
Someone right now in Lake Conro's listening. They're on a kayak.
They want to know the phone number once again. It
is eight six six seven nine eight two eight two seven.
Thank you so much, John Bramlett with Stewart Insurance. And
now Hope moy is here for a quick word. Hope,
welcome back. This is your first word for twenty twenty
(43:59):
five on the show, and I know you love being
here each and and you're bringing tremendous guests all the
way along. Welcome to the.
Speaker 9 (44:05):
Show, Hey Bill, Happy New Year, Happy New.
Speaker 3 (44:07):
Year, and FIFTINU. Let's tell people your offices are so.
Speaker 14 (44:12):
I work in the Magnoia and Conra offices in Montgomery County.
My Magnoia office is off of fourteen eighty eight and
twenty nine seventy eight. I have three esc officers there.
Kelly Ernst is our branch manager alongside Robin Mays and
Courtney Minga. And in Conro I have Michelle Taylor, who
(44:33):
is our branch manager and Marla Wells. And that office
is off of three thirty six and one.
Speaker 3 (44:38):
Oh five such growth areas of Houston. We got the
paparazzi here, the Ladies of the Lake. It's so cool.
I wish they were here every week. So in the meantime,
let's tell people Hope the phone numbers in case they
want to bring their real estate transactions to you, and
I know they do. The phone number is.
Speaker 14 (44:52):
My number is three four six two two four one
nine zero eight Again three four six four one nine
zero eight. I cannot wait to work with you this year.
Speaker 3 (45:04):
Thank you, Hope Moy We'll see you soon. Janna Maguire.
A quick word from Jenna from clear Lake. Jenna, welcome
and happy New year. Hey Bill, Well, are you all
doing great? It's always great to be here. It's great, Jenna.
Let's tell people about your office.
Speaker 15 (45:21):
So I am Stewart Title, clear Lake over off of
Space Center Boulevard, close to Bay area. So we're in
the middle of clear Lake literally and over by NASA.
If you have ever lights, come.
Speaker 4 (45:33):
Down and visit well.
Speaker 3 (45:34):
And it's interesting each area that we talk about. You're
in a whole different area than Hope and you two
are in a very positive growth area. It's amazing, it is.
Speaker 15 (45:44):
It's a big area. And there's also a lot of water.
People come over there for a lot of water activities,
jet skim boating because we have chema down there and
the bay so it takes.
Speaker 4 (45:56):
Out the Gash Bay.
Speaker 3 (45:57):
So yeah, super real estate. And if someone wants to
bring their transaction to you, let's tell them how to
reach you.
Speaker 15 (46:04):
They can. It's eight three two two four four three
four three nine eight three two two four four three
four three nine.
Speaker 3 (46:11):
And yes, we thank you, Jana. We not only have
two business development officers here today, but a third Kevin Davidson, Kevin,
quick word, there you are Fort Bend doing tremendous work.
Thanks Bill and Jamie bertrand you brought her today.
Speaker 16 (46:28):
Jamie bertrand great real estate agent. So yes, I have
two offices like Hope, does I represent the Richmond office
in the Sugarland office. The Richmond office is off of
UH seven sixty two and fifty nine and the Sugarland
office is right off the freeway at Darry Ashford on
fifty nine.
Speaker 3 (46:45):
And if someone wants to reach you, Kevin Davidson, what
should they do?
Speaker 16 (46:49):
Call me at eight three two sixty five four zero
five two seven or email me at Kevin dot Davidson
at Stewart dot com.
Speaker 3 (46:56):
The phone number again is eight three two.
Speaker 16 (46:58):
Six ' five four.
Speaker 3 (47:00):
Zero five two seven. Kevin Davidson. Thank you, Kevin. And
now we have Kelly Jesse. Maybe Michelle just for a
quick word with Compass real Estate first, since we did
not hear from Michelle yet, here's Michelle. Michelle. Welcome to
the show.
Speaker 2 (47:20):
Howdy Bill, how are you doing?
Speaker 3 (47:22):
Great? You are? Michelle Christner said, correct, that's correct. You're
with the team here. Tremendous ladies. How did you all
assemble such a magnificent team, the three of you.
Speaker 2 (47:32):
I just think the Good Lord brought us all together.
It was meant to be.
Speaker 11 (47:35):
I've been a part of this team for fifteen years.
Our founders are Jamie and Alison Yancy. They have been
in the business for over twenty five years and founded
late conra Rialty. So we are blessed to even be
able to be a part of it and work for
them and work with them.
Speaker 3 (47:49):
No doubt about it. And when you first got here
to the show, you and the other two you mentioned
that you were the emotional support component, and I want
to say your powers of emotional support even transferred to
me and I appreciate it.
Speaker 2 (48:01):
I'm just here for everyone.
Speaker 3 (48:03):
That's the that's the quote out of the year. Well
thank you, Michelle. Michelle. If someone wants to reach you
and buy some real estate, what is your phone number?
Speaker 11 (48:11):
My personal cell phone is nine three six five two
zero one zero seven six again nine three six five
two zero one zero seven six. If you are interested
in seeing if the Lake lifestyle is for you, I
would encourage you to visit our website which is lake
Conroreality dot com Lakeconroreality dot Com. It has maps and
(48:32):
along with all the current listings in the area.
Speaker 3 (48:35):
And just say it one more time. I'm here for everyone.
Speaker 4 (48:38):
I'm here for everyone.
Speaker 3 (48:39):
Bill, thank you, and Kelly. Before we close, let's tell
people how to reach you in a final word.
Speaker 8 (48:46):
Okay, my cell phone is nine three six, nine hundred
forty one hundred, and I would just love the opportunity
to show you around the lake. Sometimes we even get
to go look at lake houses buy boat, So that's
what I want to do. Yes, So if you want
to go see some lake properties, buy boat, our.
Speaker 4 (49:07):
Team is who to call.
Speaker 3 (49:09):
Can we bring a lunch?
Speaker 4 (49:11):
Yes? And a drink that sounds good?
Speaker 3 (49:13):
And now thank you. The phone number again is.
Speaker 4 (49:15):
Nine three six nine hundred forty one hundred.
Speaker 3 (49:18):
And Jesse fleming Y, I'm back there you are, Jesse.
So in the meantime, what else should we know and
how can we reach you?
Speaker 7 (49:27):
Well, I just want to reiterate the lake has a
lot of components to it, whether it's the bulkhead, the canals,
the channels, the location, floodplain and history. So we are
the local experts that know it all. And my phone
number is.
Speaker 2 (49:40):
Eight three to two three three four two five five
four and I like that.
Speaker 3 (49:44):
The lake has a lot of components, doesn't it does,
no doubt about it. The phone number again is.
Speaker 2 (49:49):
Eight three two three three four two five five four.
Speaker 3 (49:53):
Thanks for being with us, Thank you, And she is
back taking a break from her board of directors attivities
at HAR and Elite Real Estate Services. Jamie bertrand Jamie,
you are back. And a final word, Jamie, what should
people know?
Speaker 10 (50:09):
You should know that whether you are a realtor, a buyer, seller, investor,
that you can call me. My contact information is Jamie first,
across AH Jamie bertrand across all social media platforms. My
number is seven one three five three eight four nine
two four. And I also want to leave with this
because there are so many new agents in this industry
(50:32):
and they feel like the successful.
Speaker 9 (50:35):
Agents are gatekeepers. I'm not a gatekeeper.
Speaker 10 (50:38):
I share any knowledge, any resources that I have, So
I am definitely definitely a resource to anyone who needs assistance.
Speaker 3 (50:46):
That's right and lending a helping hand at all times.
That's part also what HR does.
Speaker 4 (50:51):
Correct.
Speaker 3 (50:51):
Do you have an idea when we think about HAR
you mentioned new realtors, how many are coming on board?
I mean, like in twenty twenty four or do you
have an idea how many new ones?
Speaker 9 (51:02):
I don't have that.
Speaker 3 (51:03):
I mean it's probably several thousands dropped.
Speaker 9 (51:07):
Yeah, the membership has dropped a little bit.
Speaker 10 (51:09):
Uh and I was suspected and may drop a little
bit more this year, but again I don't have.
Speaker 3 (51:13):
Those interesting How can people reach you, Jamie?
Speaker 10 (51:16):
Jamie bertran across all social media platforms and my cell
phone number is seven one three five three eight four
nine four.
Speaker 3 (51:24):
Nice to see you again, thanks for being with us.
Josh Ainsworth is back. Josh. It's the end of the show.
Let's tell people how they can reach you. And a
final word, well.
Speaker 12 (51:38):
You can reach me at two eight one seven zero
seven two eight one five. Twenty twenty five is going
to be a big year. Anybody thinking about getting into investing.
We've got a lot to look forward to this year
coming any investors that are currently buying or selling or
building homes. We've got a division that strictly works with
(52:02):
cash outs, helps you move your money around, find more
investment properties.
Speaker 9 (52:08):
Things like that.
Speaker 3 (52:10):
Sounds good. So if you need money, called Josh, we
can make it simple.
Speaker 12 (52:14):
Right, if you need real estate service. As a general,
I'm an investor I'm a buyer. You know, I'm a builder,
and I would love to loan your money.
Speaker 3 (52:23):
There you go. The phone number is two.
Speaker 12 (52:25):
A one seven zero seven two A one five.
Speaker 3 (52:28):
Thanks for being with us, and thank you all for
listening to real estate Matters with Stuart Title. I am
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of us at Stuart Title and Stewart Insurance. And I'm
going to borrow a line from Michelle Christner and say
I'm here for everybody. That's right, twenty twenty five, I'm here.
Stewart Title is here for you, Stewart Insurance is here
(52:49):
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(53:11):
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happy New Year.
Speaker 1 (53:14):
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Contact Stewart Insurance to determine if your business is properly insured.
Visits Steward Insurance dot Com are called eight sixty six
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(53:55):
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Speaker 2 (00:15):
I'm just here for everyone.
Speaker 3 (00:17):
Bet, that's the quote of the year. Well, thank you, Michelle.
Speaker 4 (00:22):
I'm here for everyone.
Speaker 3 (00:23):
Bill, Thank you, sir.
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The views and opinions expressed by the participants on this
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Speaker 6 (00:39):
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 Napik
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,
(01:03):
entertain and inspire. Bill Nevick, Welcome to the show. It
is Real Estate Matters and I am your host, Bill Napek.
Here it is the very first show of the year,
a fresh edition, super guests all the way around, also
known as Show number five hundred and forty eight. That's right,
we've been coming to you five hundred and forty eight
(01:23):
weekends every week, and simply go to Stuart dot com
Forward Slash Radio.
Speaker 3 (01:28):
That's right. You can see and hear the show at
Stuart dot com Forward Slash Radio. Just in case you
want to go to the show archives. That are all there,
all five hundred and forty eight shows at Stuart dot
com Forward Slash Radio. And happy New Year to each
and every one of you out there. Let's get down
to business and welcome Jesse Fleming and Kelly Perkins. Ladies,
(01:54):
welcome to the show.
Speaker 2 (01:55):
Thank you, you're so much happy to be here.
Speaker 3 (01:58):
Well super awesome, and we're going to have a lot
of great things to talk about as you guys are
in a really sensational place here in Houston, Texas. As
far as where you focus your work, Let's tell people,
first of all, your company is Compass.
Speaker 7 (02:12):
Jesse, Yes, we are Lake Connor Realty Group with Compass.
We started out back in two thousand as a small
boutique brokerage. We've been just about the number one brokerage
on the lake since and we merged with Compass back
in twenty twenty one, so now we're late Connor Realty Group.
Speaker 3 (02:29):
And it's great that you mentioned the word lake because
as people listen to the show outside of Houston, they
may not know that they think of Houston as a
big city, they may not know that we have a lake.
At least one or two lakes that people that are
very popular. The most popular one, I think is the
one that you're focusing on right Teller.
Speaker 8 (02:46):
We're on Lake Conroe, and we're so very desirable for
people that live in Houston because we're only less than
an hour away from the main city and it's a
great place to go boating restaurants, has great nightlife, lots
of family friendly activities, you know, it's just a great place.
(03:08):
So we have a lot of full timers that we help,
but we also I would say fifty percent or more
of our business is just people who are buying weekend
homes that live in Houston.
Speaker 7 (03:18):
And I want to add to that, the school districts
are incredible. Lake Creek ISD has just added a school,
a new school, high school to our area. And so
we have Montgomery ID, which is amazing, and then Willis
ID which is growing so much. So the school districts
for families that live there permanently are incredible.
Speaker 3 (03:40):
So many great things going on. And as far as
the whole idea of living near a lake on a lake,
people love. People just want to be near water, and
of course pricing will vary in depending what part of
the water or if you're near. It's going to all depend.
But give people an idea right now the marketplace in
the Lake con Row area, how popular is it and
(04:03):
how busy are you guys? Right now as we start
the year.
Speaker 7 (04:07):
I think I can speak last year fast forward to
this year. It is significantly more busy. So we've been
off to a great start at the end of this
last quarter and into this first quarter of twenty twenty five.
In terms of housing, you can be Waterview in the
three fifties all the way to Waterfront's over a million,
(04:27):
two million, three millions, So it really varies, but there's
so much for each and every budget on the Lake
and Jesse.
Speaker 3 (04:34):
Would it be safe to say, as we described the
pricing of these words. You mentioned the pricing of these
properties someone could get. There's town homes, there's condos, condos,
small homes, large estates on the lake.
Speaker 7 (04:48):
So acreage on the water versus smaller deeded restricted communities.
Speaker 8 (04:54):
Yeah, you could get a small one bedroom condo for
one hundred and fifty or two hundred, or you can
get a huge estate on the water for four million.
Speaker 4 (05:06):
So you really there's a lot of variety.
Speaker 3 (05:09):
Well, it sounds to me like for someone interested in
property in the area in the Montgomery County, they need
to work with someone that knows the details and all
the things that go with lake living. It sounds like,
you guys know a lot of stuff. Give us an
idea what we should know about when considering a property
in the lake in a lake area like this.
Speaker 8 (05:30):
Yeah, there's so many special details that you have to
know as a real estate agent when you're working with
properties on Lake Conroe, especially Lake Conrode's special because the
lake depths, they fluctuate depending on the time of year
and the weather and things like that, So you really
need to know a lot about the different areas and
(05:52):
the depth of the lake in those areas, especially when
the lake level is down, and what kind of boat
your client is going to be having, whether or not
they can be able to get their boat out, if
they're going to be on open water, if they're going
to be on a canal, you need to look at
their bulkhead and make sure that the bulkhead looks good.
(06:13):
There's so many different things to do with boat slips
and covers of boat slips and what deed restrictions.
Speaker 4 (06:19):
Allow are allowed.
Speaker 8 (06:22):
There's a lot of really fine details that come into
buying a house on Lake Conroe, and thankfully we've got
it all figured out.
Speaker 3 (06:31):
You are the experts.
Speaker 2 (06:33):
We are experts born erased.
Speaker 3 (06:36):
And as far as the side, if someone were listening,
and even Houstonians myself, I don't know. I guess Lake
Conroe is a big lake, but how would we say
how big it is?
Speaker 4 (06:47):
It's big.
Speaker 2 (06:48):
I think it's twenty seven yeah, yeah.
Speaker 3 (06:52):
Twenty seven twenty seven thousand acres of water. That's a
lot of water. And there's I'm sure there areas where
it's deeper than others and so forth.
Speaker 7 (07:02):
Ato, yeah, where at shallow there's channels still where you
can get in and out, but you have to you
have to know the local experts or the fishing experts
on the lake to help you get your boat in
and out of the channels.
Speaker 3 (07:13):
And one of you said about people that are buying
the weekend homes, you said it's about fifty percent.
Speaker 8 (07:19):
I would say it's close to fifty to fifty definitely.
You know, fifty percent of the people live full time
and the other fifty percent are just weekenders that come
in for the weekend.
Speaker 3 (07:31):
We'll give us an idea as far as other than
Houstonians that either want to move to north and also
I think there's some desirable tax areas up there in
Montgomery County, maybe more so than here. That's another thing.
But outside of the Houstonians, I know you're serving people
from outside of Houston. So give us an idea where
(07:51):
they're coming from. When you're working with a buyer outside
of Houston, where they're coming from and what attracts them
to this area.
Speaker 7 (08:01):
Yeah, so I can speak on that. I'm working with
a client right now actually from California. Pretty much from
twenty nineteen to twenty two, we had so many Californians
jump on the Lake and invest in our properties. Some Coloradians, Floridians,
New Yorkers just moved here into April Sounds specifically, so
they're pretty much from all over. The taxes are low
(08:25):
on the lake in almost all the neighborhoods, so that's
a big benefit to owners. And then of course you're
on the water, so it feels like you're on vacation.
Speaker 3 (08:34):
And I feel like I'm on vacation just talking with
you too. It's amazing. But how do they find Jesse
Fleming and Kelly Perkins from California or Colorado? How does
that happen?
Speaker 8 (08:46):
Well, we're with Compass, and so it's a great it's
a great company because we have a nationwide network of
Compass realtors. So a lot of the leads that we
get that are coming from California, they're working with a
Compass agent to sell their house in Colorado or in California,
(09:07):
and so they reach out to us because we are
the Compass Lake Conroe agents and so we get a
lot of our business that way through the Compass nationwide network,
which is also great for people that live here and
might be relocating, say they're going to move to Tennessee, well,
we can find you the top realtor over in Tennessee
(09:29):
once you list your property in your movie.
Speaker 3 (09:30):
It's funny you mentioned of all the fifty states you
could have mentioned, Kelly, why Tennessee. Why was that top
of mind?
Speaker 8 (09:38):
Just curious because I was supposed to be there today
on a trip, but I stopped and I didn't go
because of this.
Speaker 3 (09:47):
Well, actually, Tennessee. Well, I think about Tennessee every now
and then because it's a tremendous state.
Speaker 2 (09:52):
Yes, in the state, it's growing so much growing.
Speaker 3 (09:55):
You talk about Californians are moving there. We've had winters
on from Tennessee.
Speaker 2 (10:00):
Texan realtors. I know that own land now in Tennessee.
Speaker 3 (10:03):
Yeah, no state income tax, very scenic, so a lot
of tremendous things in Tennessee. So, yes, the people from
California come to Texas, they go to Tennessee as well.
Speaker 7 (10:14):
Which I want to add, land too is so amazing
in Montgomery County.
Speaker 2 (10:20):
It's really one of the only.
Speaker 7 (10:21):
Areas outside of Houston that you can still afford land
out there. Kind of it's getting pretty expensive, but you
can own land and acreage about ten acres and still
be about five minutes to the lake. So we also
work with a lot of land clients who want to
be on the land but also have access to the
lake at their leisure.
Speaker 3 (10:39):
Well, we also want to remind people as we talk
about you helping people around the lake, you're serving buyers
and sellers all over Houston, so you're not restricted. I mean,
you know about a lot of areas. And speaking of
that right quick, Jesse. As far as land, Let's say
someone wants to go to Montgomery County and have a
little bit of land. They're not really worried about water,
(11:02):
waterfront or anything like that. But let's say they want
more of a cabin because there's a lot of forest
up there. Those that are listening outside of outside of Texas,
there's a lot. There's this Sam Houston forest right up there.
Speaker 2 (11:12):
It's gigantic and a huge portion of the lake that
you can't build on.
Speaker 3 (11:16):
So what if we want a cabin, say in the
forest and maybe two three acres, is that possible?
Speaker 7 (11:23):
If you want a cabin, you're going to have to
go up north of the lake definitely, and your budget
will be significantly more doable. You could probably get a
cabin for what two hundred to three hundred thousand on
two to three acres.
Speaker 3 (11:35):
I'll take you that's.
Speaker 2 (11:36):
Going to be more like North Willis.
Speaker 3 (11:39):
Sounds good to me. We're talking with Kelly Perkins and
Jesse Fleming there with Compass. Well, ladies. Before we close
this segment, Jesse, what else do you want people to know?
Speaker 7 (11:49):
I want you to know that it matters who you
work with, especially on Lake Conro, and we are your
local experts here.
Speaker 3 (11:55):
To help you, local experts doing tremendous work. Twenty four
to seven. And Jesse, if someone wants to reach out
to you, let's tell them how to reach you.
Speaker 7 (12:05):
Yes, you can find me on social media at Jesse Fleming,
Underscore Compass or eight.
Speaker 2 (12:12):
Three two three three four two five five fours. My
phone number.
Speaker 3 (12:15):
The number again is eight.
Speaker 2 (12:17):
Three two three three four two five five four.
Speaker 3 (12:20):
And Kelly, what else do you want people to know?
Speaker 8 (12:23):
I guess the best thing I would like for people
to know is that our team we treat you like family,
and our relationships mean everything to us. And so when
you work with us, you're working with us and we
are going to treat you the very best, just like
we would treat.
Speaker 4 (12:41):
Our own family members.
Speaker 8 (12:43):
And people say that all the time, they're like, we
loved working with y'all because you just you love us
and you know it's just a great it's a great relationship.
Speaker 4 (12:53):
We care so much about our people.
Speaker 3 (12:55):
And how can we reach you Kelly Perkins.
Speaker 8 (12:58):
Okay, so I guess on on Instagram it's miss dot
Kelly dot Perkins and my cell phone is nine three six,
nine hundred.
Speaker 4 (13:11):
Forty one hundred.
Speaker 8 (13:14):
Again the number is NIX, nine hundred forty one hundred.
Speaker 3 (13:19):
Thanks ladies for being with us.
Speaker 2 (13:20):
Thank you, Bill, thank you.
Speaker 3 (13:23):
As we continue, let's talk to Jamie Bertrand. She is
with Elite real Estate Services and she is on the
board of directors of HAAR in the Southwest region. Jamie,
welcome to the show.
Speaker 9 (13:38):
Thank you for having me.
Speaker 3 (13:39):
We'll harry back. You are back, and it's been a while.
You were on the show, I don't know, last year sometime,
and of course everything before today was last year.
Speaker 9 (13:49):
Last year.
Speaker 3 (13:49):
Because we're in a brand new year and you're doing
tremendous work helping buyers and sellers. First of all, let's
tell people about Elite real Estate Services and what you're
doing and where you're practicing.
Speaker 10 (14:00):
So Eliite real Estate Services, we are a boutique brokerage.
I am the principal broker, have a small team. We
are actually located in Missouri City, and I have an office.
Speaker 9 (14:10):
In Los Angeles as well. So I am dual.
Speaker 10 (14:13):
Broker and we assist with residential and commercial purchases, transactional
I'm sorry, investments.
Speaker 9 (14:23):
We have a right array of clients that we work with, and.
Speaker 3 (14:27):
Let's give people an idea, especially those that might be
outside of Houston listening on the internet or something as
far as Missouri City and Fort Ben geographically where that
might be as someone would think they think about Houston,
this big old city, but give us an idea where
those places are. For those that.
Speaker 10 (14:43):
Missouri City is southwest, is about twenty miles outside of
the Houston area, maybe about ten miles from sugar Land.
So we handle sugar Land, Missouri City, Fresno, Rosenberg, Richmond, Katie,
some parts of Katie that is in.
Speaker 3 (14:57):
Fort Ben County, and we'll tell people it's a very
popular area as far as Houston goes. So as far
as the marketplace, right now, give us an idea of
what's happening with buyers and sellers in the South.
Speaker 10 (15:11):
So it depends right, because everything is market centers. So
for example, some parts of Missouri City, especially the master
planning communities where there are builders, the homes are sitting
a little longer when it comes to resale. But new
construction has been pretty busy. We have been seeing an
average four point three months days on market for resale,
(15:35):
but for new construction because of you know, the builders
are able to give incentives, they're able to buy down
interest rates, so a lot of time the sellers can't
compete with that. So the market is better with new
construction than it is for resale.
Speaker 3 (15:51):
That's right. We've been hearing a lot about how builders
are giving and they have the ability to give certain incentives,
throw things in and these sorts of things. But not
everyone wants a brand new home, and it depends. But
at least you have that inventory there, right, But it's.
Speaker 10 (16:06):
The principle of substitution, right, So if you have homes
that are reseale that are the same amount of a
new construction home, typically the buyer, dependent on the buyer,
they're going to go toward the new construction home.
Speaker 3 (16:19):
Well, you mentioned Los Angeles. We can't not talk about
it because a lot of people are moving from California
and I'm going to guess you're helping people that want
to be here in Houston. Correct, But there's probably a
few that want to go to the West Coast or not.
Speaker 10 (16:33):
I have not seen that yet, and that was part
of the reason I got licensed in California. So I
moved here from California about twenty years ago. My sphere
of influence there is strong. So when I was relocating
a lot of people from California to Houston, I decided,
you know, you might as well go ahead and get
your broker's license there so I could manage both transactions
(16:54):
and make it a seamless transaction for the client having
to deal with one person.
Speaker 3 (16:59):
Real vision, I think that takes vision. But what city
in California did you live?
Speaker 11 (17:03):
So?
Speaker 9 (17:04):
Los Angeles, Long Beach, that area.
Speaker 3 (17:07):
See one of my favorite places is Laguna Beach. So
when you go south, for people that know the area,
you go south on Route one, you can hit Laguna Beach.
That's a very beautiful and popular area.
Speaker 9 (17:17):
It's expensive to you.
Speaker 3 (17:19):
Very expensive. So now that you're here in Houston, what
do you miss most about California?
Speaker 9 (17:24):
Oh, the views, the mountains, the beaches. I don't miss
the taxes. I don't miss the cost of.
Speaker 10 (17:31):
Living, but the views are remarkable, unmatched.
Speaker 3 (17:36):
They really are.
Speaker 9 (17:36):
Yeah.
Speaker 3 (17:37):
So meanwhile, when you're sitting in Missouri City, at least
we could have our imagination right well, and I can.
Speaker 10 (17:42):
Always travel and then come back home to where I
could live comfortably.
Speaker 3 (17:47):
He is no doubt about it. In the meantime, I
mentioned that you are on the board of directors of HAR.
Let's tell people in case they don't know about HAR,
about HAR and what you're doing on the board there.
Speaker 10 (17:58):
So HBr is a h an association of realtors and
they are one of the largest associations in the in America.
So they do have a governing body. They have a
chair and they also have an executive board of about
I want to say, maybe eight people, and then they
have the board of directors, which.
Speaker 9 (18:16):
Is about maybe twelve.
Speaker 10 (18:18):
And what we do is we just make sure that
our association one is relevant, that we continue to roll
out information classes that will keep our realtures relevant and
keep them employed. We also determine our mls what to
add to it, you know, those feels that you know
people talk about that's not there. We determine if we
(18:40):
want to add a field there or even our duels.
You know, we have not had to do dues increase
in years and that's because our board decided that we
want to keep it affordable for our ltures. So there
are many hats that we wear to run our association,
but it is agent centric.
Speaker 9 (18:59):
Everything that we do, every decision we make.
Speaker 10 (19:01):
Is tailored toward the success of the members of HR.
Speaker 3 (19:06):
And well, you mentioned agents here in Houston. Do you
have an idea about how many million or.
Speaker 9 (19:12):
How manys those?
Speaker 10 (19:13):
We have about an estimate of forty four thousand members
of HR.
Speaker 3 (19:18):
So that means if you're listening again outside, that's about
forty four thousand people have the real estate license give
or take correct.
Speaker 4 (19:25):
That's a lot and it's a lot.
Speaker 3 (19:27):
And then out of that group, there's still a certain
percentage that are practicing every day and it's I don't
know what that. Do you have an idea what.
Speaker 9 (19:34):
They don't have that?
Speaker 10 (19:35):
Yeah, but as a saying, at ten percent of the
realtors are doing a work that are actually having transactions.
Speaker 3 (19:41):
So there you are. I don't know how you manage
your time, Jamie, because here you are. You have interest
in California, certainly in Missouri City Fort Ben. But also
you are working with Hares, So how do you manage
your time? Because all those things on there, each one
of them on their own, I think is a more
than a full time job. How do you do it
(20:01):
and stay so calm and have such a beautiful spot.
Speaker 9 (20:06):
Well, it used to be alcohol.
Speaker 10 (20:11):
It used to be alcohol, but I stopped drinking almost
two years ago.
Speaker 9 (20:18):
So so I go to the gym every day five am.
I work out, I meditate a lot of meditation.
Speaker 10 (20:25):
But I have a husband, I have three children, and
my in laws they're very supportive of me and my goals.
So it's all about managing your time.
Speaker 3 (20:36):
And it helped, as you're saying too, it helps all
kidding decide. It helps to have a team and helped
stay Do you have a team support behind Julie? Yeah,
I have a team professionally and personally, very powerful components.
No doubt to your success in the meantime as you
are with har and as you're practicing real estate every day,
what is the outlook, especially at HR, when you're in
(20:57):
meetings and things, when you all get together and in
the end of last year, what's the outlook for twenty
twenty five. What's the excitement. I think there's excitement, right, There.
Speaker 10 (21:06):
Is excitement, there is certainty, But I don't have numbers.
We haven't had our forecast just yet. We are the
Young Professionals Network of HR. We are having a forecast
on January eighth. I believe that's Wednesday, so you know,
if this airs before, I don't think it is, but.
Speaker 9 (21:25):
There is going to okay, Well, we do.
Speaker 10 (21:27):
Have a forecast coming up, so I don't have those
numbers just yet, but I can say there is a
lot of certainty and there's a lot of excitement of
what twenty twenty five is to bring.
Speaker 3 (21:37):
Well, we always hear about interest rates too, from the
realtor standpoint. What are you hearing about interest rates through
har I mean who really? No one really knows, but right,
but we like to talk about it.
Speaker 9 (21:49):
So interest rates for me have been steady. I think
what happened.
Speaker 10 (21:54):
Is during COVID when the race went from two percent
to five six percent, there was a shock there. So
I think buyers are coming off of that shock and
they are more not willing to pay, but they are
more accepting of the new interest rates. So I have
(22:16):
been seeing seven percent for my transactions for my clients.
I haven't seen anything less than that, but you know,
I'm optimistic that.
Speaker 3 (22:26):
Maurice Wood drops so and at this point in time,
as you're helping buyers and sellers about are you are
you helping more buyers at this point or.
Speaker 9 (22:35):
Sellers so well, buyers are buying.
Speaker 10 (22:38):
I am working with buyers and sellers, but my buyers
are They're going in the contract and purchasing homes faster
than my listings. My listings have been sitting a little while,
but again I'm optimistic. Right after the new year, I've
had an influx of showings on my listings, so we'll
see how that goes.
Speaker 3 (23:00):
That sounds awesome, and Jamie, before we close this segment,
what else do you want people to know?
Speaker 10 (23:04):
Well, I want people to know that I am here
as a resource, especially routs. I'm here as a resource
if there are anything, if there's anything that you feel
that you need or the association needs to change, then
you can always reach out to me. Of course, I
am a relocation specialist as well, so if you're looking
to relocate from California to Houston, or if you want
(23:26):
to if you want to leave Houston go back to California.
Speaker 9 (23:29):
I am here as a resource.
Speaker 3 (23:31):
Well, I might want to go to California, so I'll
be sure to keep that in mind. And Jamie, let's
tell people how they can reach you.
Speaker 2 (23:37):
So I am.
Speaker 10 (23:38):
Jamie Bertrand across all social media platforms Facebook, LinkedIn Instagram.
Speaker 9 (23:43):
Is Jamie Bertrand. My number is seven one, three, five, three, eight.
Speaker 10 (23:47):
Four, nine two four. Number again is seven one, three, five,
three eight.
Speaker 9 (23:52):
Or nine two four.
Speaker 3 (23:54):
Jamie, thanks for being with us, Welcome, thank you for
having me. Well, it's time once again to talk money.
First time to talk money in this brand new year.
We now have Josh Ainsworth. His company is Advanced Lending Solutions. Josh,
welcome to the show.
Speaker 12 (24:10):
Thank you for having me.
Speaker 3 (24:12):
Well, here you are. Money is the lifeblood of almost everything,
especially real real estate. So let's tell people about your company,
Advance Lending Solutions.
Speaker 12 (24:22):
Well, I'm director of business development for Advance Lending Solutions.
We are a local wholesale brokerage operation. Been in business
about fifteen years. I've been with a company about a
year and a half. Previously came from a new construction
spent many years there and wanted to go strictly into finance.
(24:43):
But our business models built on you know, we're kind
of the loan fixers. About forty percent of our clients
have been turned down by other banking institutions. Why that
is or why we're successful what we do. We work
with over thirty different banks, have access to a lot
(25:04):
of products of your average credit union or banking institutions
are not going to have, and through that it allows
us to be very aggressive, control the deal and also
make our realtors look like heroes at the.
Speaker 9 (25:18):
End of the day.
Speaker 3 (25:18):
So so, and I think you kind of answered the question,
but even just to embellish, as you mentioned right when
you started out a wholesale mortgage, tell us about the
wholesale part is that because you have access to so
many companies.
Speaker 12 (25:33):
Right wholesales, it's a fancy t of just being independent. Really,
like I said, we're constantly accruing more banks. We work
with about thirty different institutions right now, so that allows
us to grow our business and a lot of different
trajectories and we're not going to be limited to products
(25:58):
that your average bank would be would be stuck with
if not.
Speaker 3 (26:04):
And Josh, as far as geographically, you're certainly right here
in Houston, but is there an area that your vote
that you focus on more with your business or what's
your geographic span here?
Speaker 12 (26:13):
We are licensed in five states. Texas has definitely are
where we're based. We're based out of League City and Seaburg, Texas.
We have two offices there, but Colorado, Florida, Illinois, Michigan.
We've got a pretty wide branch of market area.
Speaker 3 (26:34):
And then right now again we're here at the beginning
of the year. As your company gets together, you have
meetings and your forecast, and you like everybody else, especially
maybe more so because you're in the money business. You're
forecasting and thinking what's the interest rate's going to be,
what's the outlook that you have as someone working in
a mortgage company.
Speaker 12 (26:53):
I mean, I think there's a lot of optimism in
this market right now twenty twenty five. I think we're
going to see a lot more inventory. First of all,
I think it's going to become a lot more competitive,
you know, people waiting on the market. I kind of
giggle when I hear people say that. You know, it
never gets cheaper to buy rates or rates or rates.
(27:15):
You could see even we had three different interest rate
reductions in the last year and mortgage rates are still
going out or training up a little bit, So I
expect more of that in twenty twenty five, probably more
in twenty twenty six. But you know, the old golden
(27:36):
rules still apply. It never gets cheaper to buy. You're
better off purchasing than potentially refinancing. With rates shift, and uh,
you know it's there's a lot of confidence going into
the market right now.
Speaker 3 (27:53):
Well, those are very powerful words in many categories. It
doesn't get cheaper to buy. It doesn't, I mean, because
there's always something going up. If it's not the interest rate,
it's going to be the insurance or the home is appreciated.
Speaker 12 (28:05):
Rates go down, inventory goes up, buyers go up. Prices
you know, you're it's basically a wash.
Speaker 3 (28:12):
So at any given point when someone's looking at a
property or several properties, investors or whatever, you just have
to look at the total picture, right absolutely, And the
money part still is a very very important component. So
as far as the type of people that you're helping
in the type of loans, give us an idea of
all the loans, because I think that's one of the
(28:34):
things if I'm looking for a loan, I'm going to
rely on someone like you to say, man, I don't
know what kind of loan is the best for my situation.
So how does that work? How do you tailor that
to the individual or the family? What's the right type
of loan?
Speaker 12 (28:48):
Great question, asking the right questions. Knowing your buyers like
you know, there's you know we can you really need
to be guiding your your your clients at that point.
We have great down payment assistance programs. They're grant money
that you do not have to pay back one hundred
(29:09):
percent conventional products.
Speaker 9 (29:12):
Uh.
Speaker 12 (29:13):
You know, we've got a bevy of of loans for
your average average buyer and your first time buyers. And
I mean that's where you make your money, is leading
them in the right direction and starting rute way. It
always begins with financing is the most important part.
Speaker 3 (29:28):
And what about the first Are you helping a lot
of first time buyers? Are they out there?
Speaker 9 (29:33):
They are?
Speaker 12 (29:34):
I mean, you know with the the new generation's coming up,
you know that's that's they're they're going to be the
buying buying class before you know it. So you have
to you have to build a business or tailor your
business model too to uh to to work with those clients.
Speaker 3 (29:54):
And let's take the last ten loans that you've helped
people with about what's the average amount that these last
ten loans, how much of they put down they put
down twenty three what's the average amount you're seeing?
Speaker 12 (30:08):
You know, I think that money is always better off
in your bank account or invested elsewhere then your down
payment in your home. Like I said, we have one
hundred percent products that I've done two of those in
the last sixty days where client actually came to the
table with less than a thousand dollars in closing costs.
(30:29):
So I mean I I always want to keep as
much money in your bank account as possible and put
as little down.
Speaker 3 (30:37):
And if there are any veterans out there that are
listening in as far as products that the veterans have
available to them, what would you tell the veterans that
might want to give you a call?
Speaker 12 (30:48):
You should definitely call because our rates are extremely competitive
in that in that space. You know, I could we
can help vets down to five eighty credit right now,
which is pretty unheard of. There are there are lenders
that are lending it. And then that kind of a
credit score, you know, you earned it, you worked you know,
(31:10):
you you worked hard for that to have the kind
of a right as a as a consumer, and you
know you should jump on it.
Speaker 3 (31:19):
So the veterans have certain specific benefits that they have
access to. So that's a great thing. You mentioned credit,
a credit score? What is this do you? You see
when someone works with you, you get an idea of
their score. You see their score. Yeah, immediately, I mean
that's stuff I apply for a loan right away. You're
gonna say, hey, Bill's got X score, right you would, yeah,
(31:42):
I mean basically yes, yeah, mine's very high, by the way,
no kidding. So in the meantime, the I had just
read an article in today's Wall Street Journal today being Monday,
about a guy that's an engineer. You know, engineers like
to have things perfected. There's a guy that worked, he
had an eight twenty or an eight thirty credit score,
and he was trying to figure out the variables how
(32:04):
he could get the perfect perfect score, and according to
the Wall Street Journal article, it was eight hundred and fifty.
But he worked and tweaked all his things as financial
things to where he actually achieved an eight hundred and
fifty credit score. So now he's going to work at
keeping that score for three months to see if he
could do that. I've never heard of that. It was
front page Wall Street Journal.
Speaker 12 (32:26):
It's an interesting goal.
Speaker 3 (32:27):
In fact, I didn't know eight to fifty was the
top score. How often you see in the eight hundred.
Speaker 12 (32:33):
Oh one and never really, Yeah, that's fair. Well, I
mean you're talking to guy who's had to rebuild his
credit a couple of times. I'll be honest, you know,
I mean, that's it's it's pretty rare, and there's not
much of a difference in the eyes of a bank
in eight hundred and seven forty. Really, I mean you're
(32:56):
gonna have the pretty much the same.
Speaker 3 (32:58):
Seven forty's pretty good though, too.
Speaker 12 (33:00):
Yeah, I mean that's if you want great credit, that's
pretty much kind of the kind of the number that
people strive for.
Speaker 3 (33:06):
So then would you say you see more more credit
scores than seven hundreds or in the or in the
highest sixes, I would.
Speaker 12 (33:14):
Say, I would say mid to high sixes. But I
mean that's that's buyer territory. We could do a lot
with we.
Speaker 3 (33:24):
But you're also saying when you started out that you
can help, you're helping people that others may that have
been turned down. You said that, right, right.
Speaker 12 (33:32):
A lot of the times it's not so much credit
is income verification and things along those lines. Self employed people.
We have a couple of mass Track home builders who
send all of their turndowns to us because we have
the ability to work, you know, to find the perfect
(33:53):
loan for that that that buyer.
Speaker 3 (33:55):
So it's important for someone that's either working with an
employer or if they're self employed, just to have docum
much ready to go when they talk to someone like you,
Josh Ainsworth.
Speaker 12 (34:03):
You, yeah, you always want to be organized and have
those kind of products, have have that documentation. But we
do have loan programs that are self made profit and loss,
no tax returns, no big statements. I mean, once again
kind of working on the the wholesale side, as I
refer to it, we find loans that most people don't
(34:26):
even know exist.
Speaker 3 (34:27):
In my industry. It sounds like where there's a will,
there's a way always Josh Ainsworth, Josh, let's tell people
how they can reach you at Advance Lending Solutions. My
phone is my office.
Speaker 12 (34:39):
Just I'm gonna give it there at two eight one
seven zero seven two eight one five Again the number
is two A one seven zero seven two A one
to five.
Speaker 3 (34:50):
Thank you so much, Josh Ainsworth. Real Estate matters with
Stewart Title would not be possible without our partner Stewart Insurance.
With a focus in real estate and a special focus
on real estate broker's, 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
(35:12):
and manage their risks. Here he is with Stuart Insurance.
John Bramlett, Happy to year, Bill Well, happy new Year.
A fresh show for twenty twenty five. We call it
show number five forty eight, and here we are once
again talking about insurance and so many other great things.
Speaker 13 (35:29):
Yes, it's been a fantastic show so far and it's
a great way to kick off the year.
Speaker 3 (35:34):
Indeed it is. And of course everybody awaits the insurance
segment because it's always awesome and interesting at the same time.
Speaker 13 (35:42):
Well, for our listeners consideration, I have some thoughts ten
potential insurance New Year's resolutions. Well, here we go. Let's
go ten ten. So number one is know your wants
and needs. So whether you're an individual of family or
a real estate business. From an insurance perspective, what are
(36:03):
the things that are more A better way to put
it would be your musts and your wants? So what
is a must and then what would I like to have?
And if you're not sure about how to to delineate
the two, then you know, find a good insurance advisor
to help you work through that. So that would be
number one, knowing your musts and your wants. Number two
(36:27):
would be have the ability to share your concerns with
your advisor. So maybe not so much about specific things
within a policy, but what are my concerns about coverage?
Speaker 3 (36:40):
You know what am I?
Speaker 13 (36:41):
Am I concerned about somebody saying that a member of
my team discriminated against them, so I need to make
sure I've got coverage there? Or am I concerned that
I want to make sure that I have the right
amount of water damage for my home policy. So understanding
what those concerns you have are, and again if you're
not quite sure how to get there, then find an
(37:04):
insurance advisor to have that conversation. And that leads us
into resolution number three, and that's to have a good
insurance advisor to have somebody on your team that works
with you and your family or your real estate business,
that has your best intent in mind, that they're truly
(37:24):
trying to build you an overall plan for yourself or
your family or your business versus just selling you a policy.
Somebody that you can lean on to help you figure
out those musts and wants, or somebody that you can
lean on to figure out what those concerns are. So
that would be number three. Just having a really solid
insurance advisor.
Speaker 3 (37:43):
And I understand John, twenty twenty five is the year
of having a great insurance advisor like the team it's
Stewart Insurance.
Speaker 13 (37:51):
It is. It is the new year of that and
Stuart Insurance happens to be an excellent resource for those
insurance advisors. Resolution number four is consider combining your home
and auto. That if you're willing to work with us
or any insurance advisor and combine your home and auto
with the same insurance company, many times they will give
(38:14):
you a break on both premiums. So it's a way
that we can save some money on our premiums. One
way we can look at it is combining our home
and auto with the same insurance company. Number five and
this is for our investors that are out there is
understand or those that work with our investors out there
understand how the property is being used, because based upon
(38:36):
how the property is being used is going to drive
the type of coverages that are available. So if you're
buying a home and it's going to be your primary residence,
you're going to be looking at home insurance. But if
you're buying a home and that's going to be an
investment property and you're going to have long term rentals,
then that would be dwelling fire coverage. But if you've
got a short term rental, then that's even a different
(38:57):
type of coverage. So making sure that those that work
with the our investors or those that are investors understand
that how the property is being used is going to
drive drive the coverage. So that was number five. Number six,
especially if you live in the greater use scenario, but
anywhere is consider flood coverage. Have a conversation at least
consider having flood insurance, and if you do have flood insurance,
(39:20):
take a look to make sure that it's still apple
for what your needs are in today's market. So number
number six is consider flood insurance. Number seven is if
you do open houses, if you're a realtor or a
real estate broker and you do a lot of open houses,
take a look at have general liability insurance or business
owners policies. So it helps with things like bodily injury
(39:43):
if somebody would get hurt at the open house, or
property damage if you were to damage somebody's property at
the open house.
Speaker 12 (39:51):
That helps.
Speaker 13 (39:53):
What a business owner's plan does is it takes that
general liability policy that I just mentioned and add in
commercial property or business personal property, so you can get
things like your desks and your chairs, and your computers
and your printers and your servers covered as well. So
if you do open houses, consider a general liability policy
(40:13):
or business owner's policy. Number eight. We're seeing more and
more people work remotely, and with that case, while it's
very convenient both for the brokerages as well as for
the individual realtors, with people working remotely, we're not always
sure where they work, we're not always sure how secure
the systems are. We're not secure always sure how secure
(40:36):
the Wi Fi that they're using is. So consider a
cyber liability coverage that we're just seeing more and more
issues with the cyber criminals coming in and attacking businesses
and especially real estate firms because of the size of
the transactions that we handle and the amount of personal
private information that we handle. So you know, number number
(40:58):
eight is to take a look at at cyber coverage.
Number nine is just being properly insured. Making sure that
you are comfortable with the coverage that you have. So
it could be the most robust policy in the world
or policies, or it could be very conservative, as long
as you're comfortable with what that coverage is, whether you're
a real estate broker, a property management firm, an independent
(41:21):
title and aterorney agent, or just a family. As long
as you're comfortable with what that coverage is, in our minds,
you're properly insured. So that would be number nine. And
then number ten is make sure that you listen to
real estate matters every week.
Speaker 3 (41:34):
Very important.
Speaker 13 (41:35):
Yes, number ten, listen to real estate matters.
Speaker 3 (41:37):
We might remind people not only listen every week, but
you might hear something today on today's show you want
to hear again, or you may say, gee, I wonder
what they were doing in October of last year, or
what topics were covered in December. Simply go to Stewart
dot com, Forward Slash Radio. It's that easy. They're all
there and they get an extra bonus, John, as you know,
(41:59):
they not only hear the show, but they could see
the YouTube video of the fantastic guess that we have
each and every week for five hundred and forty eight weeks.
Speaker 13 (42:08):
Well, and I would admend that a little bit then,
Now that resolution to not only listen to the show,
but work with our guests at least give our guests
an opportunity to earn your business.
Speaker 3 (42:19):
And that's right, because they'll give phone numbers along the
way and you might miss the phone number if you're
driving or so forth. Again, just go simply to go
to Stewart dot com Forward Slash Radio. And you really,
the information that we get even though we do this
each and every week, you and I, the things that
we hear, and the knowledge that the people we have
(42:39):
that are our guests, it is incredible.
Speaker 13 (42:42):
Yeah, there's never a show that we don't learn.
Speaker 3 (42:44):
Something, as it says in the very beginning, and form, entertain,
and inspire. We work at doing all those things each
and every show, and somehow the guests do it as well.
Speaker 13 (42:55):
Absolutely, Yeah, I mean the guests are the key exactly?
Speaker 3 (42:59):
Well, John, what else should we know?
Speaker 13 (43:00):
Well, if you would like to be properly insured, or
if you would like to talk with us about one
of those ten resolutions are all ten, We would be
happy to do so. And you can reach us at
eight sixty six seven nine eight two eight two seven.
That's eight sixty six seven nine eight two eight two seven.
You can email us at Stuart Insurance at Stuart dot
com and learn more about the company at Stuart Insurance
(43:23):
dot com.
Speaker 3 (43:23):
John, I understand if they call during regular business hours,
they also get an eleventh bonus.
Speaker 13 (43:29):
And that's correct that they'll speak with somebody live versus
getting caught in some sort of a recording tree.
Speaker 3 (43:36):
No doubt about it. John, One more time. The phone number.
Someone right now in Lake Conro's listening. They're on a kayak.
They want to know the phone number once again. It
is eight six six seven nine eight two eight two seven.
Thank you so much, John Bramlett with Stewart Insurance. And
now Hope moy is here for a quick word. Hope,
welcome back. This is your first word for twenty twenty
(43:59):
five on the show, and I know you love being
here each and and you're bringing tremendous guests all the
way along. Welcome to the.
Speaker 9 (44:05):
Show, Hey Bill, Happy New Year, Happy New.
Speaker 3 (44:07):
Year, and FIFTINU. Let's tell people your offices are so.
Speaker 14 (44:12):
I work in the Magnoia and Conra offices in Montgomery County.
My Magnoia office is off of fourteen eighty eight and
twenty nine seventy eight. I have three esc officers there.
Kelly Ernst is our branch manager alongside Robin Mays and
Courtney Minga. And in Conro I have Michelle Taylor, who
(44:33):
is our branch manager and Marla Wells. And that office
is off of three thirty six and one.
Speaker 3 (44:38):
Oh five such growth areas of Houston. We got the
paparazzi here, the Ladies of the Lake. It's so cool.
I wish they were here every week. So in the meantime,
let's tell people Hope the phone numbers in case they
want to bring their real estate transactions to you, and
I know they do. The phone number is.
Speaker 14 (44:52):
My number is three four six two two four one
nine zero eight Again three four six four one nine
zero eight. I cannot wait to work with you this year.
Speaker 3 (45:04):
Thank you, Hope Moy We'll see you soon. Janna Maguire.
A quick word from Jenna from clear Lake. Jenna, welcome
and happy New year. Hey Bill, Well, are you all
doing great? It's always great to be here. It's great, Jenna.
Let's tell people about your office.
Speaker 15 (45:21):
So I am Stewart Title, clear Lake over off of
Space Center Boulevard, close to Bay area. So we're in
the middle of clear Lake literally and over by NASA.
If you have ever lights, come.
Speaker 4 (45:33):
Down and visit well.
Speaker 3 (45:34):
And it's interesting each area that we talk about. You're
in a whole different area than Hope and you two
are in a very positive growth area. It's amazing, it is.
Speaker 15 (45:44):
It's a big area. And there's also a lot of water.
People come over there for a lot of water activities,
jet skim boating because we have chema down there and
the bay so it takes.
Speaker 4 (45:56):
Out the Gash Bay.
Speaker 3 (45:57):
So yeah, super real estate. And if someone wants to
bring their transaction to you, let's tell them how to
reach you.
Speaker 15 (46:04):
They can. It's eight three two two four four three
four three nine eight three two two four four three
four three nine.
Speaker 3 (46:11):
And yes, we thank you, Jana. We not only have
two business development officers here today, but a third Kevin Davidson, Kevin,
quick word, there you are Fort Bend doing tremendous work.
Thanks Bill and Jamie bertrand you brought her today.
Speaker 16 (46:28):
Jamie bertrand great real estate agent. So yes, I have
two offices like Hope, does I represent the Richmond office
in the Sugarland office. The Richmond office is off of
UH seven sixty two and fifty nine and the Sugarland
office is right off the freeway at Darry Ashford on
fifty nine.
Speaker 3 (46:45):
And if someone wants to reach you, Kevin Davidson, what
should they do?
Speaker 16 (46:49):
Call me at eight three two sixty five four zero
five two seven or email me at Kevin dot Davidson
at Stewart dot com.
Speaker 3 (46:56):
The phone number again is eight three two.
Speaker 16 (46:58):
Six ' five four.
Speaker 3 (47:00):
Zero five two seven. Kevin Davidson. Thank you, Kevin. And
now we have Kelly Jesse. Maybe Michelle just for a
quick word with Compass real Estate first, since we did
not hear from Michelle yet, here's Michelle. Michelle. Welcome to
the show.
Speaker 2 (47:20):
Howdy Bill, how are you doing?
Speaker 3 (47:22):
Great? You are? Michelle Christner said, correct, that's correct. You're
with the team here. Tremendous ladies. How did you all
assemble such a magnificent team, the three of you.
Speaker 2 (47:32):
I just think the Good Lord brought us all together.
It was meant to be.
Speaker 11 (47:35):
I've been a part of this team for fifteen years.
Our founders are Jamie and Alison Yancy. They have been
in the business for over twenty five years and founded
late conra Rialty. So we are blessed to even be
able to be a part of it and work for
them and work with them.
Speaker 3 (47:49):
No doubt about it. And when you first got here
to the show, you and the other two you mentioned
that you were the emotional support component, and I want
to say your powers of emotional support even transferred to
me and I appreciate it.
Speaker 2 (48:01):
I'm just here for everyone.
Speaker 3 (48:03):
That's the that's the quote out of the year. Well
thank you, Michelle. Michelle. If someone wants to reach you
and buy some real estate, what is your phone number?
Speaker 11 (48:11):
My personal cell phone is nine three six five two
zero one zero seven six again nine three six five
two zero one zero seven six. If you are interested
in seeing if the Lake lifestyle is for you, I
would encourage you to visit our website which is lake
Conroreality dot com Lakeconroreality dot Com. It has maps and
(48:32):
along with all the current listings in the area.
Speaker 3 (48:35):
And just say it one more time. I'm here for everyone.
Speaker 4 (48:38):
I'm here for everyone.
Speaker 3 (48:39):
Bill, thank you, and Kelly. Before we close, let's tell
people how to reach you in a final word.
Speaker 8 (48:46):
Okay, my cell phone is nine three six, nine hundred
forty one hundred, and I would just love the opportunity
to show you around the lake. Sometimes we even get
to go look at lake houses buy boat, So that's
what I want to do. Yes, So if you want
to go see some lake properties, buy boat, our.
Speaker 4 (49:07):
Team is who to call.
Speaker 3 (49:09):
Can we bring a lunch?
Speaker 4 (49:11):
Yes? And a drink that sounds good?
Speaker 3 (49:13):
And now thank you. The phone number again is.
Speaker 4 (49:15):
Nine three six nine hundred forty one hundred.
Speaker 3 (49:18):
And Jesse fleming Y, I'm back there you are, Jesse.
So in the meantime, what else should we know and
how can we reach you?
Speaker 7 (49:27):
Well, I just want to reiterate the lake has a
lot of components to it, whether it's the bulkhead, the canals,
the channels, the location, floodplain and history. So we are
the local experts that know it all. And my phone
number is.
Speaker 2 (49:40):
Eight three to two three three four two five five
four and I like that.
Speaker 3 (49:44):
The lake has a lot of components, doesn't it does,
no doubt about it. The phone number again is.
Speaker 2 (49:49):
Eight three two three three four two five five four.
Speaker 3 (49:53):
Thanks for being with us, Thank you, And she is
back taking a break from her board of directors attivities
at HAR and Elite Real Estate Services. Jamie bertrand Jamie,
you are back. And a final word, Jamie, what should
people know?
Speaker 10 (50:09):
You should know that whether you are a realtor, a buyer, seller, investor,
that you can call me. My contact information is Jamie first,
across AH Jamie bertrand across all social media platforms. My
number is seven one three five three eight four nine
two four. And I also want to leave with this
because there are so many new agents in this industry
(50:32):
and they feel like the successful.
Speaker 9 (50:35):
Agents are gatekeepers. I'm not a gatekeeper.
Speaker 10 (50:38):
I share any knowledge, any resources that I have, So
I am definitely definitely a resource to anyone who needs assistance.
Speaker 3 (50:46):
That's right and lending a helping hand at all times.
That's part also what HR does.
Speaker 4 (50:51):
Correct.
Speaker 3 (50:51):
Do you have an idea when we think about HAR
you mentioned new realtors, how many are coming on board?
I mean, like in twenty twenty four or do you
have an idea how many new ones?
Speaker 9 (51:02):
I don't have that.
Speaker 3 (51:03):
I mean it's probably several thousands dropped.
Speaker 9 (51:07):
Yeah, the membership has dropped a little bit.
Speaker 10 (51:09):
Uh and I was suspected and may drop a little
bit more this year, but again I don't have.
Speaker 3 (51:13):
Those interesting How can people reach you, Jamie?
Speaker 10 (51:16):
Jamie bertran across all social media platforms and my cell
phone number is seven one three five three eight four
nine four.
Speaker 3 (51:24):
Nice to see you again, thanks for being with us.
Josh Ainsworth is back. Josh. It's the end of the show.
Let's tell people how they can reach you. And a
final word, well.
Speaker 12 (51:38):
You can reach me at two eight one seven zero
seven two eight one five. Twenty twenty five is going
to be a big year. Anybody thinking about getting into investing.
We've got a lot to look forward to this year
coming any investors that are currently buying or selling or
building homes. We've got a division that strictly works with
(52:02):
cash outs, helps you move your money around, find more
investment properties.
Speaker 9 (52:08):
Things like that.
Speaker 3 (52:10):
Sounds good. So if you need money, called Josh, we
can make it simple.
Speaker 12 (52:14):
Right, if you need real estate service. As a general,
I'm an investor I'm a buyer. You know, I'm a builder,
and I would love to loan your money.
Speaker 3 (52:23):
There you go. The phone number is two.
Speaker 12 (52:25):
A one seven zero seven two A one five.
Speaker 3 (52:28):
Thanks for being with us, and thank you all for
listening to real estate Matters with Stuart Title. I am
your host, Bill Napick, together with John Bramlett and all
of us at Stuart Title and Stewart Insurance. And I'm
going to borrow a line from Michelle Christner and say
I'm here for everybody. That's right, twenty twenty five, I'm here.
Stewart Title is here for you, Stewart Insurance is here
(52:49):
for you. And and by the way, certainly here in Houston,
we have many many offices, seventeen or so, many business
development people. But we are also an international company traded
on the New York Stock Has chains STC, so we're
here all over to help you. In case you're listening
from California or anywhere else, thanks for listening. Simply go
to Stewart dot com forward Slash Radio. That's Stewart dot
(53:11):
com Forward Slash Radio. We'll see you next week and
happy New Year.
Speaker 1 (53:14):
If you're a real estate professional, then listen closely cybercriminals
are targeting our industry. They are impersonating real estate professionals,
home buyers, sellers, and title agents. Their goal is to
gain access to your inboxes, computers, and clients so they
can steal information in funds. Does your business insurance offset
these risks?
Speaker 6 (53:34):
Not sure?
Speaker 1 (53:35):
Contact Stewart Insurance to determine if your business is properly insured.
Visits Steward Insurance dot Com are called eight sixty six
seven ninety eight twenty eight twenty seven. Visit Stewart Insurance
dot Com are called eight six six seven ninety eight
twenty eight twenty seven. When it comes to real estate,
everything matters whether you're a broker, real it's or homeowner,
(53:55):
buyer or seller. For informative and entertaining information when it
comes to owning, buying, and selling real estate, tune in
Sundays at five pm to real estate Matters with Stuart
Title brought to you by Stuart Insurance
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