Meet the Mayor of Fulshear, Texas!

Great Fulshear, TX talk and much more!

Episode Transcript

Speaker 1 (00:00):
The Mayor Don McCoy with Us Today. Mayor, Welcome to
the show.

Speaker 2 (00:04):
Forsher offers a rare combo of peace, charm of a
country town, paired with amenities, great school systems both Katie
and LCISD, and growth of a typical, thriving suburban community.

Speaker 3 (00:20):
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 4 (00:33):
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 Stewart Title, Steward Titles. Bill Knabek
and guests open the door to what really matters in owning, buying,
and selling real estate and now Real Estate Matters with
Stuarre Title, brought to you by Stuart Insurance, here to inform,

(00:57):
entertain and inspire. Bill Nebek, Welcome to the show.

Speaker 1 (01:01):
It is Real Estate Matters with Stuart Todd All Us
Special Edition. As we have super guests all the way around.
Once again, I'm your host Bill Nampick, and we're going
to start with the mayor of Fullsher, Texas. We hear
so much about Fullsher Texas right here in the Houston area,
people all around the country here about Fullsher Texas, Texas.

(01:22):
It is growing like crazy. And we have the Mayor
Don McCoy with us today. Mayor, welcome to the show.

Speaker 5 (01:28):
Well, hello, Bill, and it's good to be here and
ready to answer a lot of questions if you have.

Speaker 1 (01:33):
Well, it's interesting because everybody when we say Fullsher Texas.
I talk to people that have moved from somewhere else.
They're in Full Sure, we talk to realtors about everybody
has a positive response about fulshre So let's tell people
what the latest is in Fullsher Texas.

Speaker 5 (01:50):
Well.

Speaker 2 (01:51):
As you mentioned, it is one of the fastest growing
cities in the nation right now. We have seen an
increase in the last twelve years from about twenty five hundred.
If I recall when I first started with the Chamber
of Commerce, we're close to forty three on according to
our website, forty three thousand residents right now. That's a

(02:11):
remarkable increase for our city. Now, what's going on and
there's a lot of infrastructure going on. We're building roads.
We have the West Park Tollway that is expanding right
on through Fullsher Texas. Fourteen sixty three. Creates a lot
of headaches, I know, but once you get off into
the areas of Fullshure that I love, such as our

(02:32):
Master Planned communities and I'm Cross Creek, Folcher and folchsher
Creek for sure, there's all kinds. Follshire run a lot
of Folsures. But once you get off into those neighborhoods,
the sanctuary. I got to tell you, it truly is
remarkable that in the midst of all this construction and

(02:52):
out west of Houston, you can still find some sanctuary
in a town like Fullshire, Texas, especially with the growth
that's going on.

Speaker 1 (03:00):
It's really incredible. And I first talked to people yourself
years ago. I think it's been about ten eleven years
where we first met. You're on the chamber. But also
I connected with the police force and your brother, Captain
Mike McCoy, Chief Kenny Seymour. I remember those guys as
they were on the show. And we have to mention

(03:21):
Officer Jennifer Edmunds, who is handling the dogs Canine Bell
and then now Canine Blue and the interesting I bring
that up because what you've done as mayor and your
leadership team, but also you're working hand in hand with
the police department. They connect and you connect with the
community in a way that I've not seen in other

(03:42):
suburbs here in Houston or even beyond.

Speaker 2 (03:44):
Well, you know, Bill, I think one of the things
you need to realize is probably many times the first
things people encounter when they come through our town or
visit they probably may not know the speed limit or
something like that, and they encounter our police department. But
a police department truly is one of the best public

(04:04):
relations arms a city can have. I am so fortunate
to be the mayor of Focher that I don't have
a police department problem. The only problem I'm having right
now is recruiting good officers to keep up with the growth.
There's a lot of competition out there, and not everybody
wants to be a police officer. However, our outreach to

(04:25):
our community through Captain McCoy, Kenny Seymour, Jennifer Edmunds, the
social media page. If you want to really see a
top notch social media presence. Reach out and look at
the fullscher Police Facebook page. It is truly entertaining, it's
truly informative. And let me say, we're in the community

(04:48):
on a regular basis, I as mayor, try to attend
everything I can in our city being present. Our police
officers are not shy, and I've heard it often said
I never feel so good getting a ticket. But yeah,
in a certain way. But but I but I truly
do believe the public relations and the things that they

(05:10):
do on outside the box they do. There's a there's
a deal that Captain McCoy does called Rookie Responder. He
and I were talking one time about new drivers and
new drivers they don't know how to react when they
get pulled over by a police officer, and you know,
you see things on TV with all the cameras. So
he does a class which is now being emulated and

(05:32):
copied by other departments, where kids will come in and
learn how to react and what to do if they
get pulled over by a police officer, and they learn
exactly how both sides work. And they come in grumbly,
but they leave going wow, that was so neat and
so cool, and it it really helps educate the new

(05:55):
drivers on how to and that's part of community policing.

Speaker 1 (05:58):
It really is interesting. It was about ten years ago
and I just told my friends this the other weekend
that I was in the fullsher police car with Captain McCoy.
But I was in the front seat, so I've never
been in the back fortunately, But we did a ride
along together for about a half a day. He was
kind and it was interesting to see fulture from the

(06:19):
perspective of being with a police officer with a Captain Bill.

Speaker 2 (06:23):
We also do something. I was in Citizens Police Academy
number one. I think we're on Academy number nine now,
and this is where the average citizen can go through
a nine week course and they put you in the
seat of being a police officer and what it takes,
the scenarios they meet. We even put them with pistols
with simmunition and in scenarios.

Speaker 5 (06:44):
It opens a lot of eyes. It really does well.

Speaker 1 (06:47):
It's interesting a whole different subject, but it's no surprise
that police shows and crime shows are interesting. We have
a fascination and how that dynamic works in our cities
and companies.

Speaker 2 (06:58):
And I will say probably one of the biggest or
most major factor of our growth is we are a
safe city. I've heard different statistics, but we are number
three in the state. I think number one is a
gated community, so I don't know if we should count
them or not. But still safety is a primary focus.

(07:19):
And if you can move to a town like Fochsher, Texas,
I know you're gonna feel safe.

Speaker 1 (07:24):
We're talking with Mayor Don McCoy of Fullsher, Texas. Give
us an idea, mayor, what else a day in the
life for at least a half a day in the
life of a mayor, Because I know you ran for mayor,
You're now been mayor over a year or so. So
is it like what you thought it was going to
be like? But what do you do every day? What
are the mechanics of the position?

Speaker 2 (07:44):
Well, much of it is being accessible and trying to
answer a lot of different questions. I mean, you can't
make everybody happy, Bill, but you sure try. And I
love getting out and intermingling with the community. I was
a server at Doser's regrand opening, and I love serving
up and getting to meet the community because that's what
it takes. And you've got to hear from what their

(08:07):
issues are. But I never thought as mayor at this
point I would know so much more about infrastructure, water, roads.

Speaker 5 (08:16):
Police, you name it.

Speaker 2 (08:19):
There's a lot that goes into being a public servant,
and I applaud anybody who wants or wishes to go
out and serve their community because there's a lot to learn.
But the main thing is is you want to really
absorb it and be able to explain it to the

(08:39):
folks out there that don't know all the ins and
outs of government. And it truly is a fun job.
I really enjoy making solutions happen. One of the first
things we did is, you know, the owner of the
Savannah Banana said, quit doing things people hate if you
want to be successful. Well, nobody like calling city hall
and getting a voicemail or that automatic system.

Speaker 5 (09:02):
So we now have live people answering the phone.

Speaker 1 (09:05):
See who would have thought of that? People actually answering
the phone.

Speaker 2 (09:08):
Answering the phone so when you get put to another phone,
if you do have a voicemail, you at least know
you're leaving a voicemail for the person you're trying to reach.

Speaker 1 (09:15):
It's great to go back to basics and even in
the real estate profession. The realtor that answers the phone
right away or gets back to someone is the one
that's leading to charge no doubt. One of the things
is I looked at your bio on the website. You
lived in a variety of places. I did, not just Fullster, Texas,
but Venezuela, Mexico, Scotland, Iran.

Speaker 5 (09:37):
Is that Yeah.

Speaker 2 (09:39):
I tell you my dad worked in the offshore oil
construction business growing up, and I wouldn't trade any of
those experiences for anything because it truly gives you a
perspective on people and societies and sometimes you just don't
know how really good you have it right here in
the good old USA. But the other thing that comes

(10:01):
from that Fullschher and Fort ben County as one of
the most diverse counties in the entire nation. I think
it sits at number three right now as the most
diverse county.

Speaker 5 (10:13):
And in Fullsher we mirror that.

Speaker 2 (10:17):
And I meet people from Nigeria, the Middle East, India,
South America, very big influx of Venezuelan community in the
Kadi and the Fullsher area. And what's great is there
are people just like you and I and you don't
need to be scared of this is they have talent
and they have things they can bring to the table.

Speaker 5 (10:38):
We just got to learn how to access it if.

Speaker 1 (10:41):
You were to, and I'm sure you do. But when
you look at the future, certainly you're looking ahead at
a couple months from now. I know, I saw the
Facebook page that and getting ready for the back to
school and all the traffic considerations things like that. That's
already old news, I suppose. But as you look to
the Christmas season twenty six, but mayor if you look

(11:02):
five years ahead, what do you see, knowing what you
know now and the people in Fullsher and those moving in,
what do you see Fullsher in five ten years? Can
you even imagine? What's the speculation?

Speaker 2 (11:12):
Well, my speculation is number one, Fullsher will always be
where the heart is. People always say we've lost that
small town charm. I'm sorry, buildings and infrastructure don't give
a town it's charm. I personally think it's the people.
And if you spell Fullsher, Texas all out as one word,
heart is right in the middle. So I like to

(11:33):
say Fullsher is where the heart is, and I can
prove it's right in our name. But the other thing
I see is our communities being built out, our infrastructure
at par and our mobility will be done and we
will have a wonderful community of places to shop and eat.

Speaker 5 (11:54):
We have.

Speaker 2 (11:54):
Commercial real estate is starting to kick off big time
in Fullsher, Texas. We have people looking to bring their
commercial businesses to Fullsher, which is going to help sustain
our tax rate or keep our tax rate low with
sales tax. We don't want to be totally dependent on
the residents and rooftops, but it's going to be a wonderful,

(12:16):
all in one community. You don't have to go far
to enjoy our parks, which we're currently doing right now
and rebuilding revitalizing downtown with the Harris Street project. This
takes time to do, but a lot of people want
it now. We're in that I got to have it
today society. But if just a little patience and if
you can just be Fullsher friendly within the next five years,

(12:40):
I think you're going to be really really pleased with
what we're going to be able to do in Fullsher
and what we're going to have in Fullsher.

Speaker 1 (12:46):
And of course they could close those real estate transactions
at our own Steward title right there in Fullster, Texas.

Speaker 2 (12:52):
Well, you're going to be right on one of the
big In fact, right across from where you are, there
is a new restaurant. I think it's called Gathering Grays,
and it's not a food truck park, but they're going
to have food trucks that will supply a air conditioned
building with music and you can sit down, so there'll
be a variety of foods every week coming by. These

(13:13):
food trucks that'll plug in to the building and help
do that'd be a great gathering place for families. It's tremendous.

Speaker 1 (13:20):
Sounds great. We're with Mayor Don McCoy with Fullsher Texas
and as we started out, Mayor, I want to bring
this forth again if you want us to, and that
as you mentioned the Fullsher Police, there's opportunities, opportunities if
someone wants to be a law enforcement officer. And on
this show we love those that protect and serve in

(13:40):
a massive way, but if someone wants to be a police,
there are opportunities right now in Fullsher Is that correct?

Speaker 5 (13:45):
Right now?

Speaker 2 (13:45):
There is and in fact we've instigated a one idea
is where if you are an off or want to
be an officer, and you meet certain criteria, we'll pay
for you to go to the academy, kind of like
when you enlist in the service and then when you
get out, you serve us for three years. It's a
unique way that Captain McCoy, who came from recruiting at HPD,

(14:07):
very innovative. But it's getting more and more difficult to
find those great officers. But if you're a great officer
and you want people who truly love their police department,
I can't say that enough. I have not met one
citizen that gripes about our police department.

Speaker 1 (14:23):
I think they're fantastic. Am I too old to be
a candidate?

Speaker 5 (14:26):
No, sir, Come on, I'm gonna call to feed the dogs.

Speaker 1 (14:30):
That sounds good.

Speaker 2 (14:32):
I think what you should know about Folkster, Texas is
the people that serve in our in our city Hall
as well as the city Council, we work very hard
on a regular, regular basis to make sure we do
what's right for every single citizen. But what's really great
is we listen to our citizens. We try to take

(14:52):
everybody's opinion and do what's best. I think it was
Spock that said, the needs of the many outweigh the
needs of the few. But let's take a look at
it and see how we can make our city the
best it is, the best it can be.

Speaker 5 (15:07):
That's what we want to do.

Speaker 1 (15:08):
Well, Mayor thanks for being with us. You're going to
come back later in the show. But a special thanks,
I want to say Captain Mike McCoy, hope he comes back.
Chief Kenny Jennifer Edmunds doing tremendous work handling the Canine
Patrol and of course Canine Blue. We say thank you
to fullsher and all police and law enforcement out there.
Thanks for serving and thank you for being with us.

(15:30):
Let's tell people a website when they want to learn more.

Speaker 5 (15:33):
You bet. If you just go to fullsher Texas dot gov.
Fullshretexas dot gov.

Speaker 2 (15:39):
There's all kinds of updates and things on our website.

Speaker 5 (15:43):
Please go there.

Speaker 1 (15:44):
Mayor Don McCoy, thanks for being with us, you bet.
As we continue, let's talk to Maurice Nelson. He is
a realtor with Keller Williams Premiere. Hey, Maurice, welcome to
the show.

Speaker 6 (15:56):
Thank you for having me, glad to be here.

Speaker 1 (15:58):
Well here you are selling real estate in a tremendous way.
Helping buyers and sellers over there at Keller Williams Premiere.

Speaker 6 (16:04):
It is and you know, being a realtor, it's a
lot of fun because you're really educating people because people
may have transacted, you know, within the last four or
five years, but when they're doing it again, they still
need to be re educated on the process.

Speaker 5 (16:18):
You know, how this works.

Speaker 6 (16:20):
Setting an expectation and just being able to help people
with a lot of times which is the largest purchase
that they'll make and getting to the finish line is
just a great achievement. And being able to do that
for people buyers and sellers.

Speaker 1 (16:32):
No question, it is ever changing the paperwork, the rules,
the technology. Let's tell people geographically where you're doing most
of your work as you help buyers and sellers.

Speaker 6 (16:43):
So most of my transactions are in the Katie fullsher
Sinko ranch kind of northwest of Houston suburbs.

Speaker 1 (16:50):
Right there, and give us an idea at this point
in time, Yeah, take to the fullsher Katie area as
far as the marketplace right now, what's it like now,
because I'm hearing different things. Sometimes I'm hearing, Oh, it's
really slow and what's how is it?

Speaker 6 (17:04):
So I'll tell you and Katie from the metrics and
the data that I use, homes that are being listed,
you know they're on the market and average in that
area about forty days. So just setting that expectation for
sellers to.

Speaker 5 (17:15):
Be able to do that.

Speaker 6 (17:16):
It's all about how you're marketing the property, communicating with them,
just having those discussions. There's a lot of new construction
opportunities on that side of town. So some of these
builders they have inventory homes where you don't have to
wait to get in so a buyer can come in
and moving that home within thirty days if they want,
or there's actually an opportunity for them to start build

(17:39):
a dirt build so they may take four to six months,
so that way they can kind of plan their life
around selling a home and then moving into that new
home once it's complete.

Speaker 1 (17:47):
And right now in your work, are you helping and
it's going to change through the year, through the months,
but are you helping more buyers or more sellers? Now
what's the balance in your world?

Speaker 6 (17:55):
So I'm about sixty forty sixty percent buyers right now,
especially going in to the school year or excuse me
going yes, going into the school year, just working with
those buyers who you don't want to be in the
school districts that they want their kids to go into.
Sellers are somewhat more established, so they're not listings as

(18:16):
frequently or wanting to transacts as fast as a buyer
would be at this time. So the buyers are really
more out at this time.

Speaker 1 (18:26):
And when you deal with buyers, and again take the
last your recent history, maybe last ten fifteen transactions, how
often are you running into a cash buyer?

Speaker 6 (18:36):
So cash buyers, I'll say, you know, you know on
my listings, every listing that I put out, there's going
to be a cash buyer that's going to come in
and want to purchase that property at a cash price,
so at a lower price. So they're all, you know,
ambitious to say, hey, if this you know realtor hasn't

(18:57):
presented any offers to a seller, let me just throw
out a cash offer to see if it takes. And
everybody sells for different reasons, right, so a seller may
you know, go against a realator's desire or wishes to
list at a certain price and want to be a
little higher. But if he doesn't have any offers and
that cash buyers coming in, you know, they may say,
you know what, I'll take it.

Speaker 1 (19:18):
And the cash buyer many times will know this and
they'll look for those deals. I'm imagining they will.

Speaker 6 (19:23):
But you know, there are some cash buyers that know
the strength of their cash offer as well. So if
they come in at full price, because on a cash offer,
you don't have to wait to or thirty days to close.
You can close in ten to fifteen days. So if
they're really motivated and you know they have that opportunity
to pay for a home cash, those are some of
the strongest offers.

Speaker 1 (19:44):
That sounds pretty good. So if I'm a seller and
I see this person coming along, I'm gonna like that.

Speaker 6 (19:50):
You're gonna love the cash offer because there's less chance
that it'll fall out, you know, on day twenty nine,
or that there'll be some type of hiccup, you know,
that buyer loses their job or something like that. You've
been expecting to transact to sell your home, but you
can't because of xyz reason where cash offers are a
little bit stronger, and.

Speaker 1 (20:07):
As far as other buyers that are out there using
mortgage companies and so forth, how many buyers. Are you
seeing that come outside of Texas? You seing much of
that anymore?

Speaker 6 (20:18):
I am, so it's slowed down a little bit, but
there's still you know, I work with relocation companies and
those buyers are coming in so clear need where they
need to buy about you know, ten percent of my business,
so not a lot are those people that are coming
from outside of Texas. And they're coming because of you know,
what they see on social media, the diversity of the
Houston metro area, cost of living, no state income tax,

(20:42):
all those good things, which is really one of the
reasons why my family and I moved here five years ago.

Speaker 5 (20:47):
As well. Where'd you move from Chicago, Illinois?

Speaker 1 (20:49):
Interesting? I moved from Chicago to many many decades ago,
in fact, in the western suburbs of Chicago, and here
I am these years later, and we love it. The
interesting thing, and I don't know if you recalled or
felt this in Chicago, but it was a very friendly town.

Speaker 6 (21:05):
Chicago is a very much colder.

Speaker 1 (21:06):
Than Texas, but it was very It had the same
warmth and personality that we have here.

Speaker 5 (21:11):
It does.

Speaker 6 (21:12):
You know, Chicago is a big city where it's you know,
there's a lot of opportunity, a lot of culture there again,
but you will battle those winters. And my family just
loves it here in Texas. Like no more snow, no
more having.

Speaker 1 (21:27):
To scrape in the windshield the ice.

Speaker 6 (21:30):
Never pour water on it because it'll crack your windshield
to frost the windshield.

Speaker 1 (21:35):
I'll keep that in mind next time I'm up in
the tunder somewhere. But also as far as when you
when did you get into real estate? When you got
to Texas? So what was your motivation to get into this?

Speaker 6 (21:46):
So I've always wanted to get into real estate, even
when I was younger. I was in hospitality for a
number of years and wanted to transition from that into
real estate. COVID really allowed me to take that deep
dive into estate because it was really booming in Texas.
You know, testing a little bit of dedication, a little discipline,
and you can get your real estate license, you know,

(22:08):
as long as you have your wits about you, honesty, integrity,
things like that, And that is just really what I
wanted to do. To be able to help people again
with one of their largest purchases that they're going to
make in their lives in.

Speaker 1 (22:21):
Real estate is so important in so many, so many ways.
But as far as the things that if you were
to tell someone that maybe if you had a son
or daughter and they said, hey, Dad, I want to
be a realtor. What are the things that you've noticed
that make a good real estate professional a good successful
What attribute should they have?

Speaker 5 (22:41):
You think?

Speaker 6 (22:41):
I think someone who's able to communicate well. And you know,
everybody's not going to know everything, but even as a
realtor sometimes or ask questions about things we don't know.
So if we don't lie and just say hey, let
me follow up with you with that, or we can
go from you know, based on experiences, right, because people
want to do business with people that they like and trust.
So if you have some likability to you, people know

(23:03):
that they can trust you, they're going to transact with you,
and then after they transact with you, they're going to
tell your friends their friends about you. Right Because if
you have a bad experience, you tell twenty people, if
you have a great experience, you tell five. So you know,
you want to make sure that you put yourself in
the position to have those those great transactions where you
are trusted, you know, they believe everything that you are

(23:24):
telling them for the resource that you were and just
kind of keep that trickle effect and keep it going.

Speaker 1 (23:30):
We're talking with Maurice Nelson with Keller Williams Premiere. I
think it's an advantage Keller Williams Premiere, the fact that
they are national but also they're international. Is that true?
They are internetional, So you have a company that has
the pulse on a lot of different type of markets
in all these places. But I would think every now
and then you'd have meetings and you get to benefit

(23:52):
from what's going on in other places. What are some
of the things that they talk about during the meetings
as far as just real estate and trends in general
that people might find interesting.

Speaker 6 (24:02):
You know, how we maybe transition from a we're transitioning
from maybe a more traditional seller's market into a buyer's market,
and how to overcome some of those challenges and objections
in the in that that that shift. So before you know,
teaching people how to really handle the differences in when

(24:24):
you used to be able to put an offer in
or a home a seller might get five offers and
have to make a decision on which offer is going
to take. Now, you know, as we transition into this
buyer's market, a seller may get one offer and it's
the best offer, So you have to speak about, Hey,
you're still paying a mortgage on this home, so every
month that you're paying a mortgage, you're taking away from
that that net. Here's how we, you know, really consider

(24:47):
this offer and whether or not it's it's great for
you and your family at this time. Do you want
to wait six more months or do you want to
wait one more month for your real estate need?

Speaker 1 (24:57):
So so many things to think about. But I think
that great thing about Keller Williams. They have some great insights,
interesting insights into these markets. So therefore you and the
other agents Keller Williams have a lot of benefits there.

Speaker 6 (25:10):
You're right, and again you know, keeping agents educated abreast
all the training, the difference and the trends, what's going on,
and being able to be sharp because people want to
work with realtors who who don't sound like they know
what they're doing, but they know what they're doing and
then that it works and that that transaction is going
to attract. If you're working with me as a buyer,
you want to know that I'm going to put you

(25:31):
in the best situation I'm going to negotiate for you
to make that happen. The sellers that I work with,
they picked me because you know, my Keller Williams training,
I'm able to price give them the best opinion on
where their price where they should list at, and the
realistic expectation of you know, here's what the data shows
about your home being on the market at X price.

(25:53):
Do you want to sell in forty five days, ninety days,
thirty days? Here's what the data shows.

Speaker 1 (25:58):
And training is ongoing. Another great thing, Maurice, Before we
close this segment, what else do you want people to
know about what you're doing?

Speaker 6 (26:05):
So I really want to let you know that I
love working with with buyers and sellers. So from my
sellers that are out there, I love hosting open houses,
and as your listing agent, I'm the one that's typically
hosting your open houses.

Speaker 5 (26:18):
Buyers.

Speaker 6 (26:18):
I've got a great nineties playlist and some Sonic gift cards,
so we need to go, you know, see fifteen homes.
It's going to be a good time.

Speaker 1 (26:27):
Fifteen homes sounds like you've been riding with me when
I go look. But putting that aside, Maurice, let's tell
people how they can reach out to you in case
they want to do just that.

Speaker 6 (26:37):
So my phone number is seven seven three six two
zero nine nine six nine, or on my website Maurice
dot kW dot com and.

Speaker 5 (26:47):
Maurice's m A U R E s E.

Speaker 6 (26:51):
Seven seven three six two zero nine nine six nine.

Speaker 1 (26:54):
Thanks for being with us, Maurice, thanks for having me.
Let's continue with Dan months and then we're gonna talk
money as Dan is with Sunflower Bank. Hey, Dan, welcome
to the show.

Speaker 7 (27:05):
Good to see you again, mister Nabeck. How are you doing.

Speaker 1 (27:07):
Well, it's been a while, and it's good to see
you right here in the studio. I forget where we
were last time, but we were out and about doing
some great things. As far as I remember.

Speaker 7 (27:16):
My memory says the same thing, it's good, good to
be back here.

Speaker 1 (27:18):
Well, here you are with Sunflower Bank, and you've recently
made a change here, I think in the last five
or so months. Let's tell people what was the motivation
for the change and what's going on at Sunflower Bank.

Speaker 7 (27:29):
Well, it's all about making my job easier and getting
more people into home. It's making that process easier. So
what I found the Sunflower is it's a great team,
it's aggressive underwriting, and there's some cool products to get
more people into home. It's the more opportunity.

Speaker 1 (27:45):
So as far as some of the tools, then at Sunflower,
it sounds like Dan that you've got some more tools
to help in the buying process.

Speaker 7 (27:52):
Exactly a couple if you don't mind. We've got one
hundred percent programming for professionals, which is you know, yeah,
there's doctor, there's lawyers, there's architects and medical professionals. But
being in an engineering town, we'll do one hundred percent
financing for engineers.

Speaker 1 (28:09):
There's a show first right there. So if you're an
engineer right here in this area, you have some advantages
with some Flower Bank.

Speaker 7 (28:18):
That's that's correct. Don't worry about that down payment.

Speaker 1 (28:21):
That's a pretty good thing. I like it. Innovation, that's
definitely a first. There are so many type of loans though.
One of the things that mystify me in the loan process,
how do you match the person or the famili's loan
that they should get, because again there's so many you
get it if I'm an engineer, or if I'm a
veteran or whatever, it seems like that might be complicated,

(28:42):
but demystify that if you would.

Speaker 7 (28:44):
It's a series of if then statements. And I think
that a lot of times we make assumptions based on intuition,
and intuition is often wrong. So what I do is
just crunch the numbers. What's their credit score, how much
do they want to put down? That kind of thing,
and and just narrow it down as.

Speaker 1 (29:02):
Far as when you talk to people, and a lot
of times I'm going to guess people haven't purchased home
seven eight years and when they come back into the market,
they have to learn about the process. They're just the
buying process, but also the applying for a loan process.
What are the concerns that they mostly have as they
approach you.

Speaker 7 (29:21):
You know, so there's always down payment and credit score
and what's my payment going to be? There's always that.
But I think one of the things we don't talk
about is the psychology of it.

Speaker 5 (29:32):
You know.

Speaker 7 (29:33):
It's like you don't ask somebody on a date because
you're afraid they'll say no. You don't apply for a
mortgage because you're afraid you'll hear no. And to me,
it's about you know, your life. Bill is a movie.
It's not a photograph, and so if you can't get
a house today, that's not forever. Your life's a movie,
not a photograph. So we're going to say not right now,

(29:54):
but here's how we get you there.

Speaker 1 (29:56):
So there's hope for someone because a lot of people
may not have their credit in the right place at
this particular time or when they approach your company. So
but there is hope. And it sounds like you also
counsel them through the process in case, hey, you're not
ready right now, come back and a how long does
it take if they're in a low credit score situation.

Speaker 7 (30:17):
I've seen people fix that in two weeks. I've hung
in there with people for two years. And I think
what's really interesting about it is I've had people say
I had a grandma call me one she's like sixty five,
and she says, I've never owned a home before. Nobody
in my family's owned a home before. We're renters, we're
not owners. But I need to prove to my grandkids.

(30:39):
I need to prove to my grand nieces and nephews
that we are owners. And at like sixty five, she
bought a house and we got her. Took a little
while to get her there, but we got her in
to set an example for the generations to follow, and
that that was a big deal.

Speaker 1 (30:51):
How often are you running into people other than this
grandmother was the first time, But I'm going to guess
typically the first time perch or first time family is
much younger. And typically how young are they when someone
comes to you, I mean, what's the youngest?

Speaker 7 (31:09):
Can you interesting? We're seeing a shift? So it had
you keep hearing the news. Well, it's in the thirties,
it's in the thirties. And I think with this gen
Z they've learned from some of the things the millennials did.
And I've got a gen Z kid right now, twenty
three years old who's looking at buy, and I've got
a couple more that closed to her, and they're around
twenty four. And so this is a very engaged next

(31:30):
generation here when it comes to finance and home ownership.

Speaker 1 (31:34):
But at what point, from the credit company's perspective, do
we start building our credit history?

Speaker 7 (31:43):
So about so if you're in college, a lot of
kids go to college with a couple of credit cards.
Those not in college usually it's about eighteen.

Speaker 1 (31:50):
They're going into college nineteen with that hive.

Speaker 7 (31:53):
Yeah, so I'd say early twenties. I mean you've got
depending on if you graduated high school and now you're
getting you're off to the world. Yeah, nineteen twenty you've
got credit. If you're in college, probably twenty twenty one,
twenty two, I think.

Speaker 1 (32:08):
And also your perspective seeing people's credit situations, whether it's
an individual or a family, keeps you on top of
being able to put the have good discipline and to
advise people of good financial discipline. You've probably learned a
lot of things because you're in this profession now about
thirty years.

Speaker 7 (32:28):
I'm under about Yeah, that's odd for me to hear.
So what I what I see is that, yeah, they've
got a lot of good education. Again, these kids are
getting educated. My twins are twenty three, and I'm impressed
with how much they and their friends already know. One
of the things I remind them of is credit scores

(32:49):
are a software, and like any other software, there's different versions.
And so when they look at their free credit score,
maybe that's based on version twelve or thirteen. Asking for
getting advice on how to fix a credit score, that
might be based on version twelve or thirteen. Mortgage business
works on version four or five, and so don't believe

(33:10):
everything you read. If you're going to get a mortgage
in the next year, give me a call and let's
talk about it. Let's get you educated.

Speaker 1 (33:16):
So you actually have twins, I do. That could be
a whole show right there on the match. I guess
the dynamics of parenting twins. What give us a word
what that's like for those of us that have children,
but we don't have twins. What's it like.

Speaker 7 (33:32):
Well, I'll tell you what.

Speaker 1 (33:33):
And they're probably listening. I'm guessing they will be.

Speaker 7 (33:35):
So if there's a I if you got twins coming
or little twins at home, it gets easier when they
turn five. Once they turn five, they start playing together
and so it's less stress. Before that, it ain't easy.
It's fun boy girl. They look out for each other.
So you know, my son says, hey, I'm thinking about
dating that girl, and my daughter says, no, I'll tell you.

(33:56):
The girls know more about the girls, and the boys
know more about the boys. So that's fun.

Speaker 1 (34:00):
It's like their own little advisory council together.

Speaker 7 (34:02):
And they're really good about it. They look out for
each other and that makes me really proud.

Speaker 1 (34:06):
Well, and then early on as you're saying you're proud
of them as they've exhibited good financial discipline. But I
would guess some of that is you have instilled in
certain training along the way to say, hey, guys, this
is really serious. When you have a bill, you pay
it ahead of schedule. I'm imagining somewhere you must have
said that.

Speaker 7 (34:23):
Yeah, and they're very good at learning through stories rather
learning through failure or learning through pain. They learn through
stories very well. Although my daughter did once Bill say, Dad,
you're pretty proud of how we turned out, And yeah,
you had a lot to do with it, but we're
wired pretty good too.

Speaker 1 (34:42):
Well, that's a pretty profound statement. It's kind of hurtful.
I think we need to have her on the show
here coming up. So what are some of the other
things that people should think about, Dan in terms of
the loan process. What about the down payment? We hear
different things. Some people think that you have to put
twenty percent down, But what are the various down payments
you've seen, Let's just say, in the last twenty transaction,

(35:04):
because I know it's all over the board, but what
numbers are you seeing there?

Speaker 7 (35:07):
So I recently did one with t Shack, which is
a Texas program that helps you with the down payment
and closing costs. Did one recently for one hundred percent
financing where someone's dad put a CD at the bank
for about twenty percent of the loan amount and we
gave that that borrower, that kid one hundred percent financing.

(35:28):
Which is interesting because the dad has access to his money.
The dad can borrow against that CD. It's not pledged forever.
The kid's got one hundred percent financing. I think three percent,
three percent down for first time home buyers, five percent down.
There's so many solutions you can't go through them all here.
Just if you're interested, give me a call and let's

(35:48):
learn the truth about how it works.

Speaker 1 (35:50):
We're talking with Dan Munson with Sunflower Bank. So Dan,
what are some of the other things we should think
about before we close this segment? Call Dan?

Speaker 7 (35:59):
Call Dan, and Bill's a great guy. I mean, what
else do you need to know?

Speaker 1 (36:02):
That'd be a slogan if I were running for something
I don't know. But no, that's all good stuff. Let's
tell people. The website there at Sunflower Bank very easy.

Speaker 7 (36:11):
It's mortgage Dan dot com.

Speaker 1 (36:13):
I like that mortgage Dan people can't forget that even
if they wanted to. I hope not Mortgage Dan.

Speaker 7 (36:20):
We're hoping they remember it.

Speaker 1 (36:22):
That's pretty awesome. So Dan, let's give a final award
though you were talking again the first time we've heard
it about engineer. So if there's an engineer out there
looking for a loan, let's tell them again that one
of those distinctions there, it's what you do for engineer.
At your bank, we'll do.

Speaker 7 (36:38):
One hundred percent financing. Wow, if you've been on you
don't have to be on your job for two years.
So if you just graduated, we can get you in.
If you've been out for a year and a half,
we can get you in.

Speaker 1 (36:48):
So if I'm a new engineer, I'm going to have
some advantages when I go to see mortgage Dan.

Speaker 7 (36:53):
Yes, Sarah, and I'll tell you what's something you know
at our age, we don't know a lot of guys
who are who are out there getting one hundred percent financing.
They've got the down pain. But we know the managers
in those companies who are recruiting and say, hey, Billy,
you're a young engineer, come work for me, and by
the way, I can set you up with one hundred
percent financing.

Speaker 1 (37:09):
Also, don't veterans have the one hundred percent potential? They
do absolutely, So those are two categories. My son's in
the service, so we take good care of them. We
appreciate those that serve Dan. Let's tell people how they
can reach out to Mortgage Dan with Sunflower Bank.

Speaker 7 (37:24):
Mortgage dan dot com and all the informations there the
phone number seven one three for eight zero one zero
six one. Don't memorize it, just go to mortgage Dan
dot com seven one three for eight zero one zero
six one.

Speaker 1 (37:38):
Thank you Dan for being with us.

Speaker 7 (37:40):
Welcome Bell. I appreciate the opportunity.

Speaker 8 (37:42):
In today's litigious society, it is imperative to have the
proper insurance to offset the many risks facing your business,
especially if you're a real estate broker, your errors and
omissions and cyberliability. Insurance can help limit the thread of
these risks if you know what to look for. Steward
Insurance eight six six seven eight twenty seven Stuartinsurance dot

(38:03):
Com that Stuart Insurance dot Com are called eight six
six seven ninety eight twenty eight twenty seven.

Speaker 1 (38:09):
Real estate matters with Stuart title would not be possible
without our partner Stuart Insurance. With a focus in real
estate and a special focus on real estate brokers. Stewart
Insurance creates insurance plans to address the risks facing our
industry today. They invest a significant amount of time helping
real estate broker owners offset and manage their risk. Here

(38:29):
he is John Bramlett with Stuart Insurance. John, Welcome to
the show.

Speaker 5 (38:33):
Hidy Bell. Always a pleasure.

Speaker 1 (38:35):
Well here we are when we've been on an insurance role,
as they may say, with great segments each and every
week for many shows, but especially the last ones, you
have some extra spice and great information.

Speaker 9 (38:49):
Well, thank you. We're going to continue our series. So
the first first week we talked about home insurance and
the key insurance indicators there, and we talked about auto
and flood. So today is number four in the series
and we've got five plus one key insurance indicators for
umbrella coverage for an individual or a family.

Speaker 1 (39:11):
I always forget about that umbrella coverage. And I think
a lot of people when they say I got the
home insurance, I got the car, I'm covered. There's the
umbrella policy that's there to help.

Speaker 9 (39:21):
There is and it's a certain audience that it makes
sense for. So that's what we wanted to talk a
little bit about today was again the five plus one
key indicators for umbrella coverage. So the first thing to
take a look at is understanding how much coverage do
I need? And it's really pretty simple. Equation is at

(39:42):
least equal to or greater than your net worth because
we want to protect your assets. So that's the purpose
of it is through some additional liability coverage to protect
your assets. And those assets can be your property, and
they can be your savings, they can be investments, and
many times potential future income. So we want to keep
that in mind. Is that we want to make sure

(40:03):
that we're covering at least up at least equal to
what your net worth is if and but also want
to keep in consideration what potentially future earnings are, so
we want to make sure that we're we've got that protected.
The next is we want to make sure that we've
got coverage specifically to what the purpose is. So you

(40:25):
want to make sure you've got bodily injury. So somebody
gets hurt on your property. You want to help property
damage in case you are to damage somebody's property, and
then you want to make sure that you've got personal injury.
And personal injury is not a broken arm, but it's
a broken heart. So you slandered me, you libeled me,
you said something that offended me, you defamed my character.

(40:47):
So that's what personal in the insurance world, what personal
injury means. So it's not a broken arm, it's a
broken heart. So you've done something or said something that's
offended me. So we want to make sure that we've
got we've got that coverage. And then additionally, there can
be things like underinsured or uninsured motorists, or if you're
part of a non pay if you're a non paid

(41:07):
number of a not for profit board, you can get
some additional coverage there. So it's important to understand you'll
have the right amount and then understand what the coverage
availabilities are. But there are also factors that are under
consideration on whether on how those premiums are set and
what coverage you may qualify for. And it's also these

(41:30):
factors can determine whether maybe you want to have umbrella
coverage or not. So you know, what's your family's lifestyle like,
so I know you host a lot of big parties
at your place Bill all the time, and you've got
you've got pools going on, you've got pool parties, and
you've got your coaching, you sports zip zip lines, and

(41:52):
you're really active on social media and you're commenting on
everything and anything. And because of all those things, that's
where you might consider have an umbrella policy. So just
if there are more things that you're doing from a
family lifestyle that is increasing potential risk, that's where having
an additional umbrella policy might come into play.

Speaker 1 (42:12):
And that's versus my twin brother that doesn't leave the
house and never invite Yeah, that's right.

Speaker 9 (42:17):
I'm sorry, I was thinking of Bob Napic, not Bill Napik. Yeah,
your brother Bob that does all those crazy fantastic Yeah.

Speaker 1 (42:22):
I never see him though.

Speaker 5 (42:23):
Yeah.

Speaker 9 (42:24):
Yeah. So again the key is, you know, understanding number
four would be just what that investment in coverage is
going to look like so it can be relatively affordable,
considering what it's offsetting and considering the types of coverage
is that it's providing you, so it truly is protecting
your assets. And then you know they'll take a look

(42:47):
at the risk factors that we've talked about. Insurance companies
will take a look at the location where you live
and then just kind of your individual lifestyle. But again,
if you're really concerned about protecting those assets, it's a
it's a lovely coverage to have. And then number five
is understanding the underlying policy limits. One of the things
that you're going to have to do to qualify for

(43:09):
umbrella coverage is that most more often than not, an
insurance company's going to want to make sure you have
some minimum level of coverages on your home insurance and
your auto insurance, So they're going to make sure that
that's that underlying coverage is there, and then the umbrella
becomes that buffer if you need additional coverage. So for example,

(43:30):
on auto, many times they're going to want to have
up to two hundred and fifty thousand dollars for personal
injury or five hundred thousand for bodily injury, or one
hundred thousand dollars for property damage, and then the home
maybe three hundred thousand for personal liability. So they're going
to want to have those levels. And if you do
have that coverage, but again every policy is going to
be different, then you can add the umbrella on top

(43:52):
of it.

Speaker 5 (43:53):
To truly protect your assets.

Speaker 1 (43:55):
And just like the term the umbrella, it covers over
several of these categories.

Speaker 9 (43:59):
Well put yeah, yeah, and then the plus one would be,
if you do have an interest in having an umbrella
policy or we'd like to learn more about it, speak
to our team at Stewart Insurance and we'd be able
to help you out.

Speaker 1 (44:10):
That's awesome, John, and we talked earlier about extended and
continuous learning gets Stewart Insurance. It's safe to say every
step of the way you and the team and the
associates led by Tom Carpenter are learning and there's training
going on constantly in this fascinating world.

Speaker 9 (44:28):
Well, we want to make sure that I mean, life
is going to happen, and we want to make sure
that when life happens, that our clients can get back
to normal, whatever that normal may be, as quickly as possible.
And understanding if and making sure that our clients understand
what coverages they do and they don't have, and as

(44:49):
long as they're comfortable with that coverage and the coverage
makes sense for them at this point in their life, then,
as we've said many times before, that's our definition of
being properly insured and as long as that our clients
are comfort than they are properly insured. So that could
be very conservative coverage or very robust coverage.

Speaker 1 (45:05):
John, that sounds fantastic. What else should we know, Well.

Speaker 9 (45:09):
If you'd like to be properly insured, and that could
be both an individual or family that we've talked about
the last four weeks, but also uh and we work
with individuals and families all over the US, but also
for real estate businesses, So we work with real estate
brokers and realtors, lenders, property management firms, independent title and
attorney agents on their business, insurance airs, in admission, cyberliabilities,

(45:31):
iner liability policies as an example, we can work with
them as well to help them become properly insured.

Speaker 1 (45:37):
John, Let's tell people how they can reach you.

Speaker 9 (45:39):
Eight six six seven nine eight two eight two seven
eight sixty six seven nine eight two eight two seven.
They can learn more about us at Stuart Insurance dot
com and they can email us at Stuart Insurance at
Stuart dot com.

Speaker 1 (45:51):
And one of the keys that you said earlier is
you're helping people you and Stuart Insurance all over the
United States, not just here in the listening area. Our
primary listening area, but beyond for those listening on the
internet in Pennsylvania, Indiana, wherever else they can call.

Speaker 9 (46:07):
Eight six six seven nine eight two eight two seven John,
Thanks for being with us, Phil, always a pleasure.

Speaker 1 (46:13):
And now, speaking of leadership, we have Mike Snyder leading
the salesforce for Stuart Title in a magnificent way twenty
four to seven. Mike, welcome to the show.

Speaker 10 (46:24):
Thank you, Sarah. I appreciate the magnificent part in the What.

Speaker 1 (46:27):
About the twenty four to seven. That's a nice touchow
Oh yeah.

Speaker 11 (46:30):
Thanks set expectations there, but while you were underwhelmed by that,
But that's okay, I'll I'll keep moving on.

Speaker 1 (46:39):
So you have some great information. And what's the word today, Mike?

Speaker 5 (46:43):
So the word today?

Speaker 11 (46:44):
First is many years ago, probably thirty years ago or so.
I wanted to be the mayor of Katie. I lived
in Kate and Old Katie and my plan was to
be the mayor and man, we were gonna have a
I was gonna have a parade every Saturday. That was
that was my goal. And then we got married, moved
moved into New Katie, sink a ranch and uh so

(47:06):
I remind my wife every now and then that she
crushed my dreams of being a mayor.

Speaker 10 (47:11):
But no, that was a little bit of fun there.

Speaker 1 (47:13):
I'd vote for you, though, I would fact move another
mile in just to be and Katie to vote. I
appreciate that.

Speaker 11 (47:19):
I appreciate that, Bill, And if that happens, you'll be
one of the first people.

Speaker 1 (47:23):
I'm gonna call Maurice to help me sell my home.

Speaker 10 (47:26):
My dude, he'll do it. I know he'll get that done.

Speaker 1 (47:29):
Yeah, that sounds great. Yeah, well, what I understand that
we have. Do we still have a position open?

Speaker 10 (47:35):
Yeah?

Speaker 11 (47:35):
I do, so I'm looking for a sales rep that
will well represent our Katie and fullsher office. So we
have an office in Katie, another one in Fulsher same
rep does that. By the way, it'll be next to
apparently a great new food court, food trucks and the
offices right next to that. So pretty excited about that.
But uh so, yeah, I'm looking for somebody to represent

(47:56):
that office.

Speaker 1 (47:57):
Sounds good? What else should we know?

Speaker 11 (47:59):
Great place to be, great offices to be at, great
sales reps across Stewart Title all across the division. And
uh even though this market's a little bit crazy right
now that I don't think anybody knows it better than
the Stewart Title reps and how to navigate around that.

Speaker 1 (48:13):
And no doubt I'm a happy employee of Stuart Title.
Coming up on twelve years, I think so, well, congratcha.
My anniversary is the day after Labor Day, so I'm
very excited about that. Mike, let's tell people how they
can reach you.

Speaker 11 (48:26):
My phone number is seven to one three two six
one zero four seven to two seven one three two
six one zero four seven.

Speaker 1 (48:35):
Two Mike Snyder with Stuart Title. Thanks for being with us,
Mike kick ser And now speaking of Folsher, Texas, the
mayor Don McCoy he is back for a final word. Well, Mayor,
let's tell people what else should they know about Fullsher,
Texas or anything else?

Speaker 2 (48:50):
Well, I tell you one thing that's really awesome about Fulsher,
Texas is it is truly a great place.

Speaker 5 (48:56):
To raise a family.

Speaker 2 (48:58):
I mean, there's a lot going on on out there
and we are bringing that still have that small town charm.

Speaker 5 (49:06):
But you still have every convenience of a big city.

Speaker 1 (49:08):
Does that make sense, Yeah, it really does. And of
course I want to encourage people go to the Facebook
page for the Police Department to find out great stuff
and someone the humor.

Speaker 5 (49:19):
It's humor. It's a lot of fun.

Speaker 2 (49:21):
But also I just want to remind that, you know,
in the Quality of Life department, you know Fullsher ranks
number sixteen is one of the best places to raise
a family in Texas.

Speaker 1 (49:31):
About that, that's saying a lot.

Speaker 2 (49:32):
Yeah, thirty six is the best place to live in
Texas in Texas, a big state. It's giganic and top
three and overall liveability in for Ben County, top three
safest city in Texas, number three. There, it's safe, it's attractive,
and what I just let me sum it all up
in this is that Fullscher offers a rare combo of peace,

(49:55):
charm of a country town, paired with amenities, great school
systemsoth Katie and Elcid, and growth of a typical thriving
suburban community. We just broke ground on a place called
full Shre Central that's going to be tremendous with a
lot of things to do there, big lake, walkable, interactive,

(50:17):
commercial property and more of that's coming as well. So
it's a perfect fit for families looking for connection, convenience,
and the people are friendly.

Speaker 1 (50:26):
They really are. And the website is full.

Speaker 2 (50:30):
Shretexas dot gov website is full shre Texas dot gov
fullsher Texas, Texas has spelled out dot.

Speaker 1 (50:40):
Gov sounds good. Mayor Don McCoy and once again we
say hi to Chief Kenny, Captain Mike, and Officer Jennifer
and of course Knine Blue. He is back. Maurice Nelson,
Keller Williams Premier. Here we are, Maurice, closing the sh
go down. What else should we know about what you're doing?

(51:02):
You'll help me sell my house if I want to
move to Fullsher to further into Katie. All right, that's
a that's reassuring.

Speaker 6 (51:10):
So one thing I want everyone to know is, you know,
if you have a real estate need, if you're looking
to buy or sell, use a realtor where market professionals
we negotiate on your behalf. Some people go to new
construction sites master playing communities and they're unrepresented. Not to
say that there's anything wrong with that, but you want
a professional to be able to negotiate, you know, for

(51:32):
you terms and conditions. If you're selling your home, people
may have heard before. You know, a lot of for
sell by owners sacrifice twenty percent to save five or
six percent. So again, you want somebody that's going to
market your your home. You may be very busy, you
don't have time to you know, market open houses and

(51:52):
whether or not you're a new listing. Realtors love to
do it, and we will do it for you.

Speaker 1 (51:57):
Use a real estate professional like more Nelson the time.
That sounds good to me.

Speaker 6 (52:03):
Sounds great to me as well.

Speaker 1 (52:05):
Let's tell people how they can reach you.

Speaker 6 (52:07):
Seven seven three six to zero nine nine six nine
seven seven three six to zero nine nine six nights.

Speaker 1 (52:16):
Thanks for being with us, Maurice, thanks for having me.
He's back. I think they call him in some circles
mortgage Dan. Is that correct?

Speaker 7 (52:24):
That is correct.

Speaker 1 (52:25):
I have a good memory. That was only ten minutes ago.

Speaker 7 (52:27):
I'm impressed.

Speaker 1 (52:29):
A final word, mortgage Dan.

Speaker 7 (52:30):
Well, I've been told that I'm approachable, easy to work with,
and it's true. I take the intimidation out of the
out of the process. Now is a great time to
buy and tune in next week because this guy's fun.

Speaker 1 (52:42):
There you go, thank you for that. You know that's
the show first. Well, also as far as just a
quick thirty second day in the life of mortgage Dan.
What happens?

Speaker 7 (52:53):
Oh, it's get up, get to work, follow up on
phone calls to people who are who've got applications in
it with me or who out looking for homes, get
people approved, and answer more questions.

Speaker 1 (53:04):
How many times do people say, Hey, Dan, what's the rate?

Speaker 7 (53:08):
Innumerable?

Speaker 5 (53:09):
Dan.

Speaker 1 (53:10):
Let's tell people how they can reach you.

Speaker 7 (53:11):
They can go to mortgage dan dot com Simple and
easy mortgage Dan dot com if they want to call
seven to one three for eight zero one zero six
one again seven to one three for eight zero one
zero six one Dan.

Speaker 1 (53:26):
Thanks for being with us, and thank you all for
listening to real Estate Matters with Stewart Title. I am
your host, Bill Napick, together with John Bramlett, Mike Snyder,
all of us at Stuart Title and Stuart Insurance. We
appreciate you listening and we will see you next week.
Go to Steuart dot com, Forward slash Radio. That's right.
You can see the cast of characters the special effects

(53:47):
simply by going to Stuart dot com, Forward slash Radio
and access to show archives. Thanks again, we'll see you
next week.

Speaker 5 (53:57):
Fullshretexas dot Gov was