Realtor, AI & Money

Check out some great guests and one with a new AI system!

Episode Transcript

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

Speaker 2 (00:13):
Whether you're a real estate broker, realtor homeowner, buyer or seller,
everything matters when it comes to real estate. This is
Real Estate Matters with Steward Title, Steward Titles. Bill Knapik
and guests open the door to what really matters in owning, buying,
and selling real estate. And now Real Estate Matters with
Steware Title, brought to you by Stuart Insurance. Here to inform,

(00:37):
entertain and inspire. Bill Nabik, Welcome to the show. It
is Real Estate Matters with Stuart Title. I'm your host,
Bill Napick. Thank you for joining us here on show
number six thirteen. A lot of people ask, they say, hey,
where can I see the past shows? Where can I
see the video of the show that you're doing right now?
It's simple, Just simply go to Stuart dot Com, Forward Radio,

(01:01):
Stuart dot Com, Forward Slash Radio or Simpler Yet Radio. Bill,
that's the YouTube Channel Radio. Bill, So let's get started
as we welcome Caesar Rencon Memorial Real Estate Group. Caesar,
welcome to the show. Thank you, Bill. It's good to
be back. It's I was looking it up and it's
been actually three years.

Speaker 3 (01:22):
It's a three you know. It's an interesting house to
the date. Yeah, how the time flies. But here you are,
glad that you're hearing the interesting thing. So many things
about you, Caesar. I see you around town in different settings,
and a lot of times there's media personalities there like
you remember were there and just here today. As you
came into the show, it seems like everybody came out

(01:42):
of the office and said, hey, how are you doing, Caesar.
So let's tell people, first of all, how you got
into real estate, because I think that's part of the story.

Speaker 4 (01:51):
So, you know, before real estate, which I got into
six and a half seven years ago, I used to
be in media. Twenty year career in media. I worked
for Univision Radio, I worked for a Lotus Communications. I
was a general manager of a TV station. Then I
started my own advertising agency. And that's how I know
all the folks in media in Houston. Pretty much in
every every media outlet. I know somebody there, and you know,

(02:14):
I consider them my friends, my peers, and jokingly I
always say, you know, maybe one day I'll go back,
because being in a media studio, in a radio studio
like we are here today, it's the coolest feeling.

Speaker 3 (02:26):
You're right, yeah, absolutely, yeah, And I'm glad that you
said that, because people hear the show and they watch
TV and all these different things. But it is part
of the experience of being on any kind of production
is to be in the studio, because you know, we
go a lot of places in live for restaurants, our work,
but it's just kind of a cool environment.

Speaker 4 (02:47):
I think I love it, and you know, and the
way I got into radio actually I was a musician
and I owned a recording studio.

Speaker 3 (02:54):
You know, I'm talking for an hour here. What kind
of instrument do you play?

Speaker 4 (02:56):
I play the dramas, so I was of course, and
I was a producer as well, so audio engineer. So
you know, we're setting up the mics and all that.
I'm like, I feel right at home. You know, well,
you're right at home. Also, you're right at home in
the real estate profession. So let's tell people, and you've
been in real estate you talked about the media career,
but you've also been in real estate for a good

(03:18):
period of time and you're getting a lot of traction.

Speaker 2 (03:22):
Yeah.

Speaker 4 (03:22):
So fortunately, you know, I got into real estate at
the end of twenty nineteen. It is when I got licensed.
And my original plan really was only to do referrals
because I love connecting people, and in real estate, of course,
there's an opportunity if you're a license agent to refer people.
You know you need to, you know, somebody that needs
to buy a house, you refer them, and then you
can share in the compensation of whatever yields from that transaction.

(03:48):
And so I was like, oh, you know what, I'll
get my real estate license. And I have siblings that
have been in real estate for a long time. My
dad used to own a lot of real estate in Columbia,
and so I said, you know, I'll get my real estate.
I'll dabt in it. I'll see what happens. And one
thing led to another. With my experience in the media,
I started doing some videos on social media, just kind

(04:08):
of as a test, and the phone started ringing. And
one of the things that's important is that the timing
was right. So I started doing this in January February
February actually of twenty twenty. And you know what happened
a month later, And what happened a month after that
was interest rates were very low and everybody wanted to

(04:29):
buy a house, and all of a sudden, I found
myself with and I call myself the accidental real estate
agent because I really wasn't planning on being a full
time agent, but we had so many inbound calls people
wanting to buy a house that I just kind of
rolled up my sleeves and went to work. And fortunately
with great mentors around me, with my sister who's also

(04:52):
an agent, we partnered up and we tag team and
with the support of the brokerage that I joined, DXP Realty,
It's just incredible.

Speaker 5 (05:00):
It took off.

Speaker 4 (05:01):
And here we are six seven years later, to the
point that I actually shut down my advertising agency. I
still do some consulting here and there, but it became
a full time, a full time career for me.

Speaker 3 (05:14):
Well, also, let's tell people right up front, also where
you are spending most of your time helping buyers and sellers.
Certainly can go all over Houston like everybody else, but
but where are you spending most of your time or
at least the last couple of months.

Speaker 4 (05:28):
So we spend a lot of time in new construction communities.
Houston is very blessed if you are you know, if
you're open to a little bit of a longer commute
depending on where you work, or you know, ideal scenarios
for you.

Speaker 5 (05:42):
We're very blessed with a lot.

Speaker 4 (05:43):
Of new construction availability, you know, and you can buy
some amazing homes with great incentives from builders. So I
spent a lot of time in new construction. I'm also
you know, a year ago, my wife's joined me in business.
She grew up here in Houston, in the Memorial area,
and that was kind of the birth of Memorial real
Estate Group to focus in from the listing side and

(06:04):
then for the purchase side, of course, to zero in
more in the Memorial Corridor. And what we call the
Memorial Corridor is from downtown where Memorial Drive starts, all
the way down to Highway six where Memorial Drive ends,
and kind of the corridor just north and south of it,
So that would cover, of course, you know, the Tanglewood area,
Gallery area, the Heights and Spring Branch and just kind

(06:28):
of that whole corridor all the way through the Energy corridor.
So that's kind of the primary focus. And we have
team members also that have joined our group that are
all over the place. So we have an agent in Paarland,
we have a couple of agents in the Woodlands, we
have some partners in Katie. So we covered the whole
Houston metroplex, but I personally try to focus more in

(06:50):
those areas well.

Speaker 3 (06:51):
Okay, two things, as far as this Memorial Corridor that
you described, and you also talked about new construction, how
much new instruction is in the new Memorial Corridor, and
about what are the price points of these of these homes.

Speaker 4 (07:06):
So when I say the general Memorial Corridor, you know
there's new construction as low as in the four hundreds,
you know, because I.

Speaker 3 (07:17):
See single family home posts a lot too.

Speaker 6 (07:20):
Thank you.

Speaker 4 (07:20):
And so so there are single family homes in Spring Branch,
for example, you know, three story, three story single family homes,
you know, eighteen hundred square feet fifteen to eighteen hundred
square feet in the four hundreds. And then of course
you've got multimillion dollar homes that are being built, you know,
for two three million dollars. In my neighborhood. I live

(07:41):
off of Wilcrest and I ten, and there's been two
or three sales in the like two point six two
point seven two point eight nine million dollars right off
of Memorial Drive in bel Way eight. And then if
you move in closer and those are all new construction,
then you know you've got four or five six million
dollar houses.

Speaker 5 (08:00):
So it's really all over the place.

Speaker 3 (08:03):
So as far as what about helping buyers right now,
you're helping both sellers and buyers right about in the
last month or so, are you more buyers more sellers?
What's your your ratio? Your current ratio.

Speaker 4 (08:15):
My current ratio is probably fifty to fifty. That's a
nice balance, it is. Yes, I love working with buyers.
I love working with buyers because it's exciting for them.
You know, guiding them through the process is not easy
helping them, you know, they usually have a mortgage person
helping them. But then I also like bounce back ideas

(08:38):
off of that part of the transaction as well, because
I'm not a loan officer, but I've done you know,
I've worked with clients and done hundreds of loans when
average buyers has maybe done one or two. I've done
one hundred, so we can always have conversations about what
you know, their their options are, and it's exciting for
buyers to make that move. Now, one thing that I

(08:59):
always say with buyers is you need to get off
the fence because there's a lot of buyers who are
out there waiting for interest rates to drop, which you know,
I wish I had a crystal ball.

Speaker 5 (09:12):
Nobody does.

Speaker 4 (09:14):
It's just a matter of you know, pulling the trigger
and moving on. Because the house that you thought, you know,
you're thinking about today is the house that somebody else
was thinking about last night. So if you delay, then
you may miss out on the right house.

Speaker 3 (09:31):
Well, okay, take the buyers again and again your recent experience.
Let's say the last ten buyers that you helped, how
many of them, if any, have been cash buyers for me?

Speaker 5 (09:43):
None? None.

Speaker 3 (09:46):
That's like zero percent, zero percent.

Speaker 5 (09:48):
Yes, yeah, I mean.

Speaker 3 (09:50):
It's not as good at math, but that's a zero.

Speaker 6 (09:52):
Yeah.

Speaker 4 (09:52):
Well, I'm literally having an offer out right now for
a cash buyer. But that's a developer who buy some
land to build on. So I work with you know, finances.
We just closed the buyer recently that had zero percent down.
You know, we got them down payment assistance. They bought
a house, about a two hundred and fifty two hundred
and seventy thousand dollars house, and she got her earnest
money back at closing. So there's all all kinds of possibilities.

Speaker 3 (10:17):
Well, give us a quick word too, because I mentioned
I saw you on Facebook. I see you on Facebook
a lot, and you mentioned your previous experience here. But
give us a word about how you're using social media
so successfully, because I think you're being very seem to
be very successful. Give us a bullet point or two
how we could be more successful with social media.

Speaker 4 (10:38):
So my approach to social media is I've got to
share what's going on out of side, out of mind,
you know. And I have a lot of friends I
know like you know, we walked in, Yes, we walked in.

Speaker 5 (10:49):
I saw Ish.

Speaker 4 (10:50):
Ish is a sales manager here at iHeart and I've
known him for I don't know fifteen years, probably maybe more,
and he knew you were in real estate, yes, exactly, so,
because I don't see him on a regular basis. My
job is to be in front of people kind of
dripping or dristling over their social feeds so they know

(11:10):
that I'm in real estate. Last year, exactly a year ago,
I closed a deal with a former client, a former
advertising client of mine who owns clinics, and one day
she called me out of the blue. I didn't talked
to her and I don't know a year and she
calls me and says, hey, I want to buy a house.
Can you help me? And so there you go, but
thank you. But what I try to do is I

(11:31):
don't try to be so selsy like you know, just pushing, pushing, pushing, pushing.
I try to share my life as much as I can.
Sometimes we're so busy, I don't share everything. I feel
like I don't do enough. But then I run into
somebody and they say, hey, how was your trip to this?
Or how's your trip to that? You know, how's your
dinner at whatever restaurant? And so to me, it's been

(11:53):
very effective and I like sharing that. I like sharing
those experiences.

Speaker 3 (11:58):
We're talking with Caesar Wrin Memorial Real Estate Group. Well, Caesar,
before we close this segment, what else you want people
to know?

Speaker 4 (12:06):
Well, the most important phrase in real estate is the
best time to buy real estate was twenty years ago.
And the second best time is today now, right now.
Don't wait because the you know, if you think interest
rates are high right now, what if they go higher?
If you think prices are higher right now, what if
they go higher? So don't think about it, just do it.

(12:29):
You're gonna have to live somewhere.

Speaker 3 (12:30):
Sounds good to me, Caesar. Let's tell people how they
can reach you, Caesar rin Con very easy.

Speaker 4 (12:36):
I answer my cell phone directly. It's eight three to
two to zero two six zero eight five eight three
two two zero two six zero eight five. And you
can also just Google, you know, search for me Caesar
ce sr rin Con Ri n Con realtor, and then
you'll see my Google business reviews. You'll see all my

(12:59):
links and stuff like that.

Speaker 3 (13:00):
And Caesar, you mentioned restaurants. You go after restaurants every
now and then when you order a sealod, what kind
of dressing do you get? Well?

Speaker 4 (13:08):
Some people say I overdo it because I asked for
extra dressing on the site, but I always get a.

Speaker 5 (13:14):
Caesar Caesar salad, no doubt.

Speaker 3 (13:16):
And the phone number again.

Speaker 5 (13:18):
Is A three to two two zero two six zero
eight five.

Speaker 3 (13:22):
Thanks, Caesar. As we continue, let's talk to Freddie Poulomariz
He is with Realty by a I. Freddy, welcome to
the show.

Speaker 5 (13:31):
Thank you, Bill, thank you for having me today.

Speaker 3 (13:34):
Well here we are. First of all, let's tell people
about your company, Realty by AI.

Speaker 7 (13:40):
So it's an AI company that we help real estate
agents become more productive by offering solutions through AI. So
it's a real estate website that I built from scratch,
and it just has solutions to make real estate agents
be more productive faster. The reason why I built it

(14:01):
is because so many people were trying to use AI
but were coming to obstacles. They're trying to clone themselves
right where Right now, real estate agents are looking to
be in more places at once. So instead of a
real estate agent having to get dressed, learn a script,

(14:23):
go create a video, go and go to a house,
hire a videographer, shoot tape, edit, this system is much
faster because it does these things for you.

Speaker 5 (14:40):
So it.

Speaker 7 (14:42):
Is a tool that makes all of these things happen
much quicker and easier for agents.

Speaker 3 (14:48):
So you created this tool, and it sounds like it
as it's a tool, it sounds like it's also a system,
a systematic situation.

Speaker 7 (14:57):
Yes, So for instance, if an agent wanted to use
the system. Instead of going through all of the things
that I just described, which will take a full day
and lots of money, they could submit their photo and
a copy of their voice and then the videos are
created for them. And that's what you're doing, and that's

(15:19):
what I'm doing.

Speaker 5 (15:20):
Okay.

Speaker 3 (15:20):
So also, now, this is available to all real estate professionals.
This is just in your company.

Speaker 7 (15:26):
This is available to real estate professionals. However, we have
special deals that we are doing through Remax Universal, which
has three offices off of A two ninety off of
two forty nine and our main office in Kingwood.

Speaker 3 (15:42):
Interesting, Now, as far as helping buyers and sellers, are
you doing that as well?

Speaker 7 (15:47):
I am doing that on a limited basis. My main
focus right now is really getting the AI that is
available to the market, understanding it, and then sending that
and making it simple for agents to use. Because the
problem is is the friction that's created by trying to

(16:08):
learn everything. So I am the bridge between complicated AI
and I bridge that and make that very easy for people.

Speaker 3 (16:16):
Okay, So tell me if this applies. Because we've heard
so much about AI for a long time, but we've
really heard a lot about it recently, and recently I'm
going to say, we're really hearing about the last six
eight months, correct, and then the even more last week

(16:37):
and then the week, so we're hearing so much about it.
So I think, if I'm a real estate professional, I'm thinking, Wow,
there's so many tools. This is a powerful tool. There's
so many platforms and avenues. How do I use this best?
Sounds like you're bringing one of the solutions, am I?

Speaker 5 (16:55):
Right?

Speaker 3 (16:56):
Is this how it is?

Speaker 2 (16:57):
Mine?

Speaker 5 (16:57):
Is the easiest and fastest. Here's the problem the best?

Speaker 7 (17:00):
You know why because I've been a real estate broker, right,
and so the people that have created a lot of
these AI systems and tools, they've never understood what real
estate agents go through. And that's the biggest difference because
you can go to a lot of these companies and
attempt to do what's what they advertise, but a lot

(17:24):
of it is painful because it's not doing what you
want it to do. And that's the problem with AI.
That's the beauty and the problem because AI is going
to do exactly how you tell it, and if you
don't give it good prompts or instructions, it's not going
to give you the output that you really want.

Speaker 3 (17:43):
Okay. So let's say I'm a real estate agent and
I want to use this system. So what's the steps?
What do I do? I say, Hey, Freddie, I want
to use it. We'll pay you whatever.

Speaker 5 (17:55):
How does it work, Bill, Send me a picture of yourself.

Speaker 3 (18:00):
Okay, we send it to you.

Speaker 7 (18:01):
Okay, send that to me. I then create a master
copy of yourself, so that is like your perfect photo
of yourself. And if you want to use exact one
that you sent me, that's great. If you say, you
know what, I think, I want a white shirt instead,
well then we go ahead and change your attire. Then
we take your voice and we put the voice with

(18:25):
your photo, and we create scripts on whatever we're talking about,
whether we're talking about a buyer library, a seller library,
if we are doing a promoting a listing, and we're
talking about one two three Main Street for seven hundred
thousand dollars, and as the video is going on behind you,

(18:46):
you are describing what is basically taking place in the
scene behind you.

Speaker 3 (18:51):
Okay, first two things. But I'm not doing this. This
is being done by your system.

Speaker 5 (18:58):
Yes.

Speaker 3 (18:59):
Once you have the essentials, the voice, the picture, right,
You're done in five minutes. I'm done in five minutes.
But then this thing is able to then be so
to speak, automated, so that when I have a listing,
I say, hey, Freddie, I got a new listing. Go ahead,
use my voice and my stuff. Is that kind of
how it works. That's how it works and sounds pretty interesting,

(19:23):
sounds pretty easy. Well, it's also easy. And then but
go back the other thing I'm thinking of. You mentioned
the term of the phrase buyer library. What is a
buyer library and a seller library? What is that?

Speaker 5 (19:36):
So libraries are basically like if you are.

Speaker 7 (19:41):
If you are having if you have lots of clients,
and instead of every time something happens in a transaction,
you are sending them a short video. So the first
video may say, hey, it's so much, it's great to
meet you at our appointment. I'm looking forward to listing
your home. The next step is this. So it's basically
a short thirty to forty five second video that emphasizes

(20:06):
what just happened and what is about to happen.

Speaker 3 (20:11):
How did you get this idea and how's it going
so far? How and when did you get the idea?

Speaker 7 (20:17):
I got the whole AI just get into AI. Idea
is because I was talking to agents and they were
telling me. I was asking if they were doing like
the cloning, like to recreate videos of yourself, so you
don't have to do it so because you could do
this in bed. And so I was asking agents how

(20:37):
that's going for them, And every agent I talked to said,
I can't do it.

Speaker 5 (20:42):
I can't figure it out. It's too hard. And I said, aha.

Speaker 3 (20:47):
And not only that, the agent already has their hands full.
As I imagine. I'm not an agent, But when I
talked to agents, they have new contracts, they got a
new sheet that they have to learn, they have another requirement,
So how do they have That's where you fit in.

Speaker 5 (21:01):
That's exactly right.

Speaker 7 (21:03):
So the issue is as a real estate agent, you're
asked to be a marketer, you're asked to be a salesperson.
You're as psychologian, you're a psychologist, a therapist, a tax person,
and all things, all things of business. Right, So an
AI is this massive, massive second thing that is now coming.

(21:29):
That's basically here, it's another thing to learn. I am saying,
don't you don't need to learn it? There you are,
that's what you're here for Yeah, this is it?

Speaker 3 (21:37):
Okay, So Freddie right now, people are saying, hey, I
think Freddie's onto something. How do I see that? Do
you have samples this on a website or where do
they see what it will actually look like? And where
do they learn more?

Speaker 5 (21:49):
It's it's at Realty buy dot ai.

Speaker 3 (21:56):
Right there.

Speaker 7 (21:57):
Yeah, real t by Ai. That's all the information is
really there. I'm also the I was brought in just
recently to Remax to be the AI director there because
I am teaching agents because there's a lot to just
it's not just cloning, there's it's aspects.

Speaker 5 (22:19):
There's lots of aspects.

Speaker 7 (22:20):
So I am teaching agents how to be found on
chat GPT right, I'm teaching them all of these strategies
on how to really promote their listing because at Remax
we're not just promoting our listing to horror and Zillo anymore.
We're promoting our listenings to chat, should BT, Perplexity, Claude.
We are really opening up the door to not just

(22:43):
market to Zillo and Horror like we've been doing the
last twenty five years.

Speaker 3 (22:48):
We're talking with Freddie Paulamaras Realty by dot Ai. Okay,
so you know a lot of stuff here, Freddie about AI.
How do I know I'm really talking to you? Maybe
you're some kind of a you know what I'm saying,
and that we're talking next level stuff. I think I'm
talking to a real person. But I could be wrong,

(23:09):
But you could be right a year from now, where
you're gonna be doing the whole human thing.

Speaker 7 (23:14):
Well, it's funny because I do have friends that I
am pretty funny that I do talk to you on
the phone and they go, is this are you for real?

Speaker 5 (23:20):
Yea, you know, they may give me a trick question.

Speaker 3 (23:23):
Just a side note. My love life is is of
no interest. But that's what a girl said to me recently.
She says, are you for real? Well, you know, I'm AI,
like pretty tony that's said. But that makes you think
of the future. I mean, you're already in the midst
of this and all the the complexities that you know
about and the average person may not know. But I

(23:45):
bet at times you also say, hey, we got a
great thing going here that we're offering people. But I
bet you also say to yourself and or your associates,
hey man, what about a year or two years from now?
This is gonna be really unbelievable. Is that how it is?

Speaker 8 (23:59):
Well?

Speaker 7 (24:00):
It things are growing super fast, more faster than really
anyone can.

Speaker 5 (24:05):
I mean if you.

Speaker 7 (24:06):
Just type it AI in the news, things are growing
like so quick. But the key is to not overwhelm
yourself with AI. And I would tell any real estate
agent out there, don't try to learn everything. Pick two
or three things that you can master and really understand
that because it's there to save you time. That's the

(24:27):
entire point of using AI. It's to give you your
time back so that you can actually spend that time
doing something that you love, maybe your family, maybe sports,
maybe it's your hobbies. Like that's where it really is
supposed to help you, is to buy your time back
so then you can do other things.

Speaker 3 (24:46):
That sounds good, well, Freddie Paula Mayriz. What else should
we know? What haven't I asked you that we that
you think people should know about or you want them
to know about.

Speaker 7 (24:56):
So I've been a real estate agent for ten years,
broker for six years. I was just independent doing my
independent brokerage, doing AI tools and solutions. So now I'm
with Remax and Remacs is really the first company I

(25:17):
know to hire their own AI person that strictly does
AI and that really teaches their agents to get ahead
of it. So that's what I'm doing at Remax, and
we train multiple times per week about all different subjects.
And I'm really proud of our agents because I can

(25:38):
see the changes already, the small changes of growth, and
so I'm really really happy about that. Yeah, I'm really
excited when I see that.

Speaker 3 (25:47):
Freddy. Let's tell people how they can reach out to you.

Speaker 7 (25:51):
You can reach me by my Facebook is the easiest
way to reach me, because I'm all over Facebook. Freddie Palomaras,
I'm the only Freddy Poalmras out there. My telephone number
is three four six eight one four eight two three
nine three four six eight one four eight two three nine.

Speaker 3 (26:16):
The real Freddy Paulo Maras. Freddy, thanks for being with us.

Speaker 5 (26:20):
You're very welcome. Thanks for having me on the show.

Speaker 3 (26:23):
Well, it's the time of the show once again, we're
going to talk about money. We have Chris Bonnan. He
is with Rate Mortgage. Chris, welcome to the show.

Speaker 9 (26:32):
Hey Bill, thank you for having me. I'm excited to
be here.

Speaker 3 (26:34):
I'm glad that you're here. And of course we always
love talking about money. It's the lifeblood of almost every
kind of business, every part of our lives. We have
that money, we have to interest rate all these things.
So let's tell people Rate Mortgage about your company.

Speaker 9 (26:50):
Yeah, thank you. So I've been in the mortgage business
probably about twenty three years. Started when I was nine,
so I'm thirty two.

Speaker 3 (26:58):
Wow here this year. Do you have a lot of
money when you're nine, By the way, not a whole lot.

Speaker 9 (27:06):
But no, it's been a great ride. I've been doing
it twenty three years and we are banker broker, and
my personal slogan is if we can put a man
on the moon, we can solve a loan problem. So
we look at every scenario possible in order to get
somebody approved.

Speaker 3 (27:25):
There are a lot of mortgage companies out there. What
is some of the distinctions about rate mortgage? Because each
time each mortgage company or bank has a thing that
they say, what is the thing that's compelling about rate mortgage? Yeah?

Speaker 9 (27:39):
You know, I think it starts and begins with and
ends with our product. So we have over i think
over fifty banks we can broke her to and we
have our own bank line, so we're able to go
in and make a bank level decision and say yes
to a loan. Where a lot of banks will fumble
or decline the loan, we're able to go in and
find a home for that client.

Speaker 5 (28:00):
Well.

Speaker 3 (28:01):
Also, one of the things when I think about a mortgage,
I haven't applied for one in a long time, but
I think it can be overwhelming. There's so many types
of mortgage. Give us a few bullet points of the
different mortgages or the ones that are most popular, or
give us an idea of the menu that you provide,
because there's a lot right yeah, I'm telling you, right yeah.

Speaker 9 (28:22):
I would say today we are really focused on affordability,
and I think I read a stat where over eighty
percent of the homes bought up to this year have
been below seven hundred thousand, from zero to seven hundred thousand.
So people are really looking at how much a month
are they going to spend, and so we're really focused

(28:44):
on product and program that will keep their mortgage payment
as low as absolutely possible, so that being like a
two to one buydown or a three to one buy
down where we actually go in and buy the interest
rate down three full points at the beginning of the
mortgage or to help them with the first year, second year,
and third year of payments.

Speaker 3 (29:05):
And I hate to ask this question because you probably
are bombarded, but how often do you hear it? Chris?
What's the rate? All day?

Speaker 10 (29:14):
Ye?

Speaker 3 (29:14):
When you say I'm in a mortgage, what's the rate?

Speaker 9 (29:17):
Yeah, it has not been a fun answer to give.
I would you know, probably say ten to fifteen times
a day. People are watching the rates. They're putting rates
in chat gpt ai, trying to find the lowest possible
interest rate. And I think what's important for people to
remember is we have to look at your unique and
specific situation in accordance with what rate rates are available

(29:38):
to you. So based on your credit score, your debt
to income ratiow, how much money you're putting down, all
of that criteria goes into what's today's rate.

Speaker 3 (29:47):
So there's there's a general rate, correct me if I'm wrong,
But then me as an individual and or as a
family a couple, the rate we get is going to
depend on how much we make the debt in all
those things are credit score.

Speaker 9 (30:02):
Correct, Yeah, yeah, So a lot of criteria. What we
like to do is give an upfront quote with the
rate with closing costs with a monthly payment. That way,
before you get out looking for a home, you know
which neighborhoods.

Speaker 3 (30:14):
To go look at. And then credit scores, let's talk
about that because the credit score is a reflection of
a person's habits activities. I can't think of the right
word from like day one, since we've got our first
credit card and started paying bills, right, what is the
one mistake you see people make a lot? Is there

(30:35):
one or several that they when they don't have a
great credit score? What are they doing wrong?

Speaker 7 (30:41):
Yeah?

Speaker 9 (30:41):
I would say the number one rule of keeping a
good credit score would be making your monthly payments on time.
Never miss a payment, even if you're making a minimum payment,
make sure to get that payment in by the due date.
And as long as you do that, your credit score
will be fine. It's when you get behind or you
start missing payments, we'll start to see that score tam
keyword there.

Speaker 3 (31:01):
It sounds like it's never, I mean never ever everay
and pay. And I think also a good thing. As
children are growing up, they need to learn this early.

Speaker 9 (31:12):
Would you say, oh yeah, yeah, it's been a while
since I've been in elementary school.

Speaker 5 (31:18):
Junior I high school.

Speaker 9 (31:19):
I don't know if they're teaching that, but at home
we need to be talking about credit, how to use it,
how to apply for it. Recently had a daughter who
turned eighteen, and the first thing we did on her
first day of being eighteen was we got her a
secured credit card in order to start building credit for her.
She started out got a secured card. I think she

(31:41):
didn't have a credit score, and today, a year and
a half later, she's probably above seven hundred on the
FICO score just by making like eighteen payments on time
on that one credit card.

Speaker 3 (31:52):
So right off, she has a great foundation. Of course,
she's great advice from her dad. There you are. So
now she she keeps that up, and she keeps she'll
grow to the eight hundred scale as far as credit scores.

Speaker 9 (32:04):
And as of right now, her dad has been the
one making the payment. So eventually we'll have to transfer
that over to her.

Speaker 3 (32:11):
She's got that's what you call like a hidden advantage
or something. It is, yeah, hey, how do we get
to that deal? Right?

Speaker 9 (32:19):
But eventually she'll have to start making that payment. So
but we have it on autopay, so we haven't missed
a payment yet, So I'd say auto pay number one.
But everything on autopen well.

Speaker 3 (32:27):
And I think about my grandkids too, and my son
is doing well. But when I think about the grandkids
at ten and twelve, hey, i'd tell my son talk
to them about paying bills, being financially responsible. Hey, let's
get to make it a couple of bucks, right. Step one,
go cut somebody's grass or do something. Get off the
video game. Now I'm getting on a sermon here, but

(32:49):
just saying, yeah, get some money and then tell them
about it early so they're not caught caught surprised.

Speaker 9 (32:55):
Yeah, And I think you know a lot of people
don't know when you graduate college that can be worked
history too, so they can go right into graduate, get
a degree, get a credit card, and then buy a
house right away once you have employment, so you don't
have to have a two year history in order to
buy a house. If you have college history backing.

Speaker 3 (33:14):
You up, that's fascinating. But the other thing I think
that would be fascinating in your position is that you
get to see the financial forensics, so to speak, of
the people that are applying for a loan. Is that correct?
So you get to see the different profiles out there
of someone that's done really well, someone had a hiccup
here and there.

Speaker 9 (33:33):
Right, yeah, no, one hundred percent. I think Caesar talked
about Holmes in Memorial. We'll work on three four million
dollar bank statement loans in Memorial, and then we'll turn
around the next phone call and have a first time
home buyer at two hundred and fifty thousand that we're helping.
So you know, no matter where you're at on the scale,
I think from a lending perspective, you know it's important

(33:54):
to have a high credit score because it's going to
help you either way.

Speaker 3 (33:57):
Well, let's take a look at the numbers there for
a second, or the idea of the numbers in that.
A lot of times we're thinking, at least I am
right or wrong thinking about a home that might be
four hundred and fifty four hundred, five hundred maybe, and
right away I'm thinking of a calculation of someone that's
going to get a loan for that. Maybe they put
what ten percent down, five twenty they get the loan.

(34:19):
But let's talk about the higher end. As you brought
that up. Let's say someone's buying a million dollar home.
They come to you, Chris bonning, I want to get
a mortgage for this one point five we'll call it. Okay,
what does that look like as far as what is
that person or family putting down in it? What are
the mechanics of that?

Speaker 9 (34:37):
Yeah, so I would say different options on varying loan amounts.
So at one point five you're probably looking at doing
quick math here on the spot, I'd probably say you're
looking at about ten percent down. We can go you
could always put more, you but more. We can go
up to three million with only ten percent down, And

(34:57):
that's a pretty popular program right now. I know Caesar
mentioned people not not having a ton of cash buyers,
and most people are you know that are buying a three,
four or five million dollar home are probably running a
business of some sort and they don't want to bank
it in the walls of their home. They'd rather have
it as operating capital into their business. So a lot
of times we are looking at very low down payment options.

(35:21):
And you know, right now, with the market being a
little bit down, people may want to rent their home
instead of sell it based on how much they can
get in today's market. So a lot of times we
can go into a quick helock home equity line of credit,
get the ten percent down out of the walls of
their home. They can keep the two and a half

(35:42):
three percent mortgage that they currently have, rent that property out,
and then sell it at a more appropriate time.

Speaker 3 (35:48):
So meanwhile, but the one point five loan, we'll say
I'll put ten percent down and forget my previous home
for a minute, how much would a payment be if
you can think of that right off hand? How much
is a payment on a one and a half million
dollar home after I put down ten percent percent?

Speaker 9 (36:07):
Yeah, I think with taxes, with insurance, so you'd be
looking at a loan at one point three five, I
would say probably around thirteen thousand it would be that
payment today.

Speaker 3 (36:18):
It was in my mind. I'm not a mathematician, but
I was thinking more seventy five seventy eight hundred dollars,
but about so thirty Yeah, thirteen thousand, but you're already
including the tax in that. Yeah.

Speaker 9 (36:28):
So we did a recently close a three point two
million dollar home with ten percent down, and I think
the payment was twenty five thousand a month. So he
was buying a use car every time he made his
mortgage payment. But he had, you know, obviously he has
the money to do it. So we have to balance
in today's market, what's more important cash to close, meaning

(36:52):
down payment or monthly payment, And how do we get
to the right spot for everybody.

Speaker 3 (36:56):
Well, another thing that I'm reflecting upon. We're talking about
a one point five million, Maybe the average person's buying
a fourth that one hundred thousand and so forth. But
also as I look at these windows and I drive
around the city and in this city for many, many years,
there's a lot of high, high, high earners in this
city where buying a ten million dollar home is not

(37:19):
even a big deal. Yeah, So we're around a lot
of wealth and a lot of high earners right here
in the city.

Speaker 9 (37:26):
Yeah, definitely. And I think, you know, as supply materials
go up, labor goes up, inflation goes up, we're seeing
higher housing prices to make sure people can actually move
up to a better home than they currently have. So
that's why looking at our mortgage program, how do we
then help them bridge that gap, and that could be

(37:46):
with that buy down, the mortgage rate buy down of
two or three years to give them a break until
mortgage rates do come back down.

Speaker 3 (37:53):
We're talking with Chris Bonnan.

Speaker 9 (37:55):
If you're looking at purchasing a home, go through the
pre qualification process. First, figure out your buying power, your
monthly payments, how much money you're going to need to close.
To make sure that you make the right decision for
you and your family. I always like to say ready
aim fire is better than ready fire aim, So I
think doing the upfront work with a mortgage professional really

(38:15):
gets you on the right track. I think we're a
great company. I've got twenty three years of experience, and
you know, if you're looking for a heart surgeon, you
may not want to go to one who's been in
practice for twelve months. But I think experience matters in
our field as far as looking at the complexity of
everybody's unique situation in their finances and how to help
them achieve their goal. I think my passion is problem solving,

(38:38):
so I love to look at financial unique financial situations
and help people achieve the goals that they want. So
it's never the same day twice. It's always a new
client on the other end of the phone. How can
we help? And I love to meet new people. So
it's a great industry to be in. Absolutely you can
call me or text anytime at eight three to two
three three four eight two zero three eight three two

(39:01):
three three four eight two zero.

Speaker 3 (39:03):
Three Chris, thanks for being with us.

Speaker 9 (39:05):
Yeah, thank you, Bill, I appreciate you having me.

Speaker 10 (39:07):
If you're a real estate professional, then listen closely. Cybercriminals
start targeting our industry. They are impersonating real estate professionals,
home buyers, sellers, and title agents. Contact Stewart Insurance to
determine if your business is properly insured. Visit Stewart Insurance
dot com are called eight six six seven ninety eight
twenty eight twenty seven. Visit Stewart Insurance dot com are

(39:30):
called eight six six seven ninety eight twenty eight twenty seven.

Speaker 3 (39:34):
Do you only hear from your insurance rep, agent advisor
at the time of renewal? If that, well, let me
tell you about the advisors at Stuart Insurance. They're there
all year long to help you with your insurance needs.
Because all year long things are gonna change. You might
add a driver, subtracted driver, get a vacation home, all

(39:56):
these things. Stuart Insurance is there to help you with
your home insurance, vacant home insurance, investment properties. How about
that rental insurance and the unbelievable umbrella policy, watercraft, motorcycles,
professional liability broker, n O, real estate brokers out there,
broker E and O insurance, cyber liability policies, commercial policies.

(40:21):
And one of the great things about Stuart Insurance in
this day of AI and all those things, you could
give them a call on the phone. A person will answer,
A real person will answer the phone during business hours
and they can help you and connect you with the
right Stewart Insurance advisor. And once again, you could talk
with your advisor all year long. Ask them questions, Hey,

(40:44):
maybe I want to modify the policy, maybe I want
to do this or that. I just recently updated all
my policies with Stuart Insurance. It was a pleasurable, it
was a wonderful experience. I just gave them a call
at eight sixty six seven nine eight two eight two
seven that's eight six six seven nine eight two eight

(41:05):
two sevens And you could go to Stuart Insurance dot com.
I only mentioned some of the policies. You could see
the full menu of insurance at Stuart Insurance dot com.
It's all right there. Give them a call, talk to
a real person and get the service that you deserve.
It's that easy now. Not to be confused with Stuart Title.

(41:25):
Stuart Title. Yes, everybody knows us. Most everybody knows us.
We have Title Insurance. And by the way, we started
right here in Galveston, Texas, one hundred and thirty plus
years ago. We are now an international company at Stuart
Title International Company traded on the Stock Exchange s STC. So,

(41:46):
whether you're listening right here in Houston, Texas and you say, hey,
I want to close my transaction, I want Title Insurance, now,
it's that easy. Go to Stuart dot com or Stuart
dot com and find your closest office and you will see,
certainly here in Houston. But even beyond that, we have
tremendous escrow officers. We have business development people. In fact,

(42:07):
right now we have right here on the show. Yes,
hard to believe. Hope Boy is back two three, I
don't know how many weeks in a row, but she's here.
She develops business in a magnificent way at Stuart, Tidel,
Magnolia and Conroe.

Speaker 5 (42:23):
Hope.

Speaker 3 (42:24):
It seems like only yesterday. Here you are again.

Speaker 8 (42:27):
I feel like it was yesterday too.

Speaker 6 (42:29):
I think this is three weeks in a row.

Speaker 3 (42:30):
We're going on exactly. So next week I'm gonna say, where's.

Speaker 5 (42:34):
Hope, Where's help?

Speaker 3 (42:35):
Where's where's hep?

Speaker 7 (42:36):
I miss?

Speaker 3 (42:37):
We need hope.

Speaker 6 (42:38):
You always need hope.

Speaker 3 (42:39):
Exactly generally speaking, we do, but we need you to
help us in Magnolia in Conrad. Let's tell people what
you're doing over there.

Speaker 8 (42:46):
Well, I am the business Development Officer for Stuart's Hadoway,
Montgomery County. I work in the Magnolia and Conra offices.
We have several fantastic escrow officers in each of our offices,
and and you know we are. We are round and
round and down. The summer is almost to an end,

(43:07):
you know we're ramping up for the last part of
the year.

Speaker 3 (43:10):
Well, in the beauty of our es grow team, not
just at your location, is that they do tremendous work.
When it's hot in the summer, in the fall, and
when it's cold. It doesn't matter what the temperature is,
they're doing tremendous work helping buyers and sellers.

Speaker 8 (43:23):
All the time.

Speaker 3 (43:24):
I'm going to think that they are.

Speaker 8 (43:26):
I'm glad that we all we all should know those
things absolutely.

Speaker 6 (43:29):
But I'm going to.

Speaker 8 (43:30):
Piggyback off of Chris what Chris said earlier. When it
comes to experience, I think that holds true in the
tidle industry as well. You know, one hundred and thirty
plus years.

Speaker 3 (43:42):
I mean it's a long time.

Speaker 8 (43:43):
It's a lot of experience. And I can say that
very much for all of my ESCRO officers as well.
In the office. We have fifty to sixty plus years
in each office combined experience. So I think that that
stands for a lot. And I think the experience is
what gets you to the closes.

Speaker 3 (44:00):
And a side note too, a lot of the people,
not just ESCRO officers you me, I'm coming up on
I think thirteen years at Stuart Title and labor day
you're at WEB twelve. Yes, so people that work there
like the company. We're there for a long time. We
never leave, never, and we have ESCRA officers that have

(44:21):
been there twenty five I think forty I forget who's
been there the longest, but five forty five years. So
that's tremendous. But I want to reference what you said
that and I said earlier too. Are companies over one
hundred and thirty years old? Okay, so someone might be
listening and say, well, big deal, great for you. Well
what does that mean. That means, and I've had this experience,

(44:45):
that means that if you work with a title company
that doesn't have longevity. We're not the only ones I
know that that doesn't have longevity. There's a lot of
title companies that are here today and gone a few
years from now. So if you have need the need
of the time title company five years from now, something
comes up, that's when you're going to need the title company,

(45:05):
not usually the week after right, And then when you
go to find them, if they're not there, you can't
get your answer quick. You've got to go through steps.
That's Stuart ten years ago. Hey, I closed this property
at five or three Main Street.

Speaker 8 (45:17):
I need my survey.

Speaker 3 (45:18):
You get it right anyway.

Speaker 6 (45:20):
Yeah, but it's true.

Speaker 8 (45:21):
We'll be there. We'll be there always. We are a
great financially backed company and I am proud to work
for Stuart.

Speaker 3 (45:28):
That's right. We are a lot of people don't realize
title companies. No one talks about this but me. Right now,
I'm saying, title companies are our financial institutions, like an
insurance company, like a like a one of the financial
banks and so forth. We're rated by independent companies am Best,

(45:48):
Demo Tech. I forget if that's I'm saying that right,
but am Best certainly is a company that rates financially.
We get the highest of ratings AA plus all that.
So that's important to the person buying and selling, and
really it's important to the realtor as well.

Speaker 8 (46:02):
Absolutely it is.

Speaker 3 (46:03):
I'm going to close it, Stewart. I think I need
to buy some propery right now. Go to your Conroe
and Magnalate offices, buy a vacation home and close over
there with Juliana, who we're going to talk to in
a minute.

Speaker 8 (46:13):
Uh yeah, Hey, we're gonna go out to each other's
back for sure.

Speaker 4 (46:18):
Hope.

Speaker 3 (46:18):
Let's tell people they want to reach out to you
right now and close that transaction. How do they reach you, Hope, moy.

Speaker 8 (46:23):
I would love to partner with you. I would love
to be a resource for you. Please reach out to
me anytime. My cell phone is three four six two
two four one nine zero eight. Again the number is
three four six two two four one nine zero eight.

Speaker 5 (46:38):
Hope.

Speaker 3 (46:39):
Thanks for being with us, and we'll see you in
one week week and when we see and now speaking
of Juliana Bereford, she is right here. She knows so
much about the title world in helping buyers and sellers
and realtors. She has so many classes at her Kirby
Grove location, it's almost it's almost another real estate school

(47:01):
in itself. Am I right, Juliana, You're doing tremendous work
over there.

Speaker 6 (47:05):
Thank you, Bill. Yeah. I try and do four to
six at least classes a month.

Speaker 3 (47:09):
I mean, it's amazing that the learning center that the
Stewart end closing transactions all the time, but the learning
center that Kirby Grove Stewart Title has become.

Speaker 8 (47:20):
Yeah.

Speaker 11 (47:20):
I'm having actually a class, a new class this month
in August, cybersecurity for realtors.

Speaker 6 (47:25):
It's a two hour class.

Speaker 11 (47:26):
It's at the end of August, but it was written
just for real estate agents and what they face on
a daily basis as far as you know, being cyber safe.

Speaker 6 (47:34):
So I'm very excited for that.

Speaker 11 (47:36):
I've got legal one, legal two contracts coming up. I've
got a stucco class coming up, so all sorts of things. Oh,
and then I think we're doing a sales I got
company wide foreclosure event in September. We're still working on
the finishing touches for that, but that'll be all of
the Stuart Title offices.

Speaker 3 (47:51):
And see just a little idea of what you just said,
the sample that you gave us of the menu, so
to speak. That shows you why if you're you're listening
right here, maybe you're in the room, you're a realtor,
this is why you want to be near the Stewart
Title rep. Because you have these resources, these educational resources
and all those great things.

Speaker 11 (48:10):
Yeah, we do, and I enjoy having classes and we
the sales team we share ideas and instructors so that
we you know, if somebody has a good idea that
we are bringing to our branch, and we collaborate, thank you.
We collaborate and share, share and come up with some
great ideas that way, so.

Speaker 3 (48:26):
Well, that make to me, that makes the team just
even more.

Speaker 6 (48:29):
Powerful and cohesive. Yes, very much.

Speaker 8 (48:31):
So.

Speaker 3 (48:31):
Now a side note, let's let's put real estate in
Stewart Title just aside for a moment if we can't
okay your knowledge. But you know a lot about dogs.
You love dogs, dogs, yes, and you know why we
like to talk about dogs on this show because I
like dogs. You like dogs and almost every real estate professional.
They have dogs, they have two, they have whatever. But

(48:53):
you you like them a lot.

Speaker 4 (48:55):
I do.

Speaker 6 (48:55):
I have five of my own right now.

Speaker 3 (48:59):
That's like saying I have five children.

Speaker 6 (49:00):
It is.

Speaker 11 (49:01):
But I think five dogs is a little easier and
cheaper than children, I would say, I hope.

Speaker 3 (49:07):
So anyway, you know, I'm thinking I mentioned about the
dog food. The nice thing about five You just bring
a bag of food home. With kids, it's a little harder.

Speaker 6 (49:15):
Yeah, they all eat the same thing. It's easy, exactly.

Speaker 3 (49:18):
I'm going to get five dogs someday. You know, I'm
down to zero right now. But you know, there's hope,
right there is hope, hope.

Speaker 11 (49:25):
Yes, yes, yes, I do have to have a company
come and shoot my yard.

Speaker 3 (49:29):
But well we don't need to know. Yeah, but the
beauty is dogs. The beauty is dogs are magnificent. Everybody
loves it less dogs. You know what, you know the
best part about when realtors use social media, One of
the best parts is that they put pictures of their dogs,
and you know, the whole dog identity realtor thing happens.

(49:50):
I could think of a few right now, but I
won't mention their names. But you know, we get to
know their dogs.

Speaker 11 (49:55):
We did a headshot event in my office, like right
when I started, and a couple of people brought their dogs.
Want you to, I know, I need to. It's kind
of interesting trying to getting up, getting them up in
the elevator. A lot of them have never been on one.

Speaker 3 (50:05):
Well, Juliana, you're serving tremendous areas right here in Houston,
Kirby Grove, river Oaks, the Heights, all those great things.
I know they want to close the real estate transaction
at Kirby Grove. What should they do?

Speaker 11 (50:17):
Well, you can call me at three four six, five
six one, eight four seven one. Again that's three four six,
five six one eight four seven one.

Speaker 3 (50:26):
And when you order salo, what kind of dressy do
you get?

Speaker 6 (50:29):
I get balsamic vinaigrette.

Speaker 3 (50:31):
What about Caesar?

Speaker 6 (50:33):
I'm sorry Caesar.

Speaker 3 (50:35):
Okay, we got one for Caesar and one balsamic vinaigrette. Juliana,
let's tell them how they can reach you.

Speaker 6 (50:41):
Three four six, five six one, eight four seven one.

Speaker 3 (50:44):
Okay, Juliana, thanks for being with us.

Speaker 6 (50:47):
Thank you Bill.

Speaker 3 (50:48):
And now he's back, speaking of Caesar, Speaking of Caesar,
he is back. Caesar Rencon Memorial real estate group. Caesar.
Let's give people a nal word and let them let's
remind them how they can reach you.

Speaker 4 (51:00):
They can reach me at eight three two two zero
two six zero eight five eight three two two zero
two six zero eight five. And at the end of
the day, it is a big decision, but it's a
decision that needs to be made. So if you're ready
to sell, give us a call. You're ready to buy,
give us a call, But don't hesitate because the market
changes daily.

Speaker 3 (51:22):
Just reach out to a tremendous real estate professional like
Caesar Rincon.

Speaker 4 (51:26):
Thank you, sir, appreciate you.

Speaker 3 (51:27):
Phone number against Caesar is.

Speaker 5 (51:29):
Eight three to two two zero two six zero eight five.

Speaker 3 (51:33):
Good to see again, and you never know what party
we're going to be at. And there you are. Likewise,
sounds good, Freddy. Paul Maraz is right back here. Freddy
is ready real ty by AI? Is it real ta
or reality? You know? I get confused, Freddy.

Speaker 5 (51:49):
It becomes reality exactly.

Speaker 3 (51:52):
So Freddy, let's tell people how they can reach you,
and what else you want them to know.

Speaker 7 (51:56):
They can reach me at three four six eight one
four eight two three nine. And what I want to
tell people is that if AI is a great tool,
it's not the only tool to sell real estate.

Speaker 5 (52:10):
It's just what I help agents do.

Speaker 7 (52:12):
It's great to save you time, but it's not the
it's it's it's not the end of the world. So
I want people to understand that while it's great to
be used, there's always other avenues. I think for new
agents that are coming into the real estate game that
it's really important to kind of start those steps. I'm
here to teach, I'm here to help and mentor so

(52:34):
if they want more education, feel free to give me
a call at three four six eight one four eight
two three nine.

Speaker 3 (52:42):
Sounds good, Freddie, And it's great you have something that's
AI driven and you're able to help real estate professionals.
All they have to do is call you at.

Speaker 5 (52:52):
Three four six eight one four eight two three nine.

Speaker 3 (52:56):
Good to see you, Freddy. And now Chris Bonnen is back.
He's given free samples of one hundred dollars bills to
us all because he's in the money business. Rate mortgage. Chris.
A final word, how can people reach you?

Speaker 9 (53:09):
You bet eight three two three three four eight two
zero three eight three two three three four eight two
zero three.

Speaker 3 (53:16):
So Chris all they need to do when they're ready
to get into the real estate world. They want to buy,
they want to get their new property. They just give
you a call and they have to get all their
stuff together, right.

Speaker 9 (53:26):
That's right, yep, I know is arc two of everything.
Two paychecks, two bank statements, two tax returns, and two
pints of blood. And I'll be ready to help them.

Speaker 3 (53:33):
And when you said no is Ark, you were thinking
about Juliana's five thousand dogs that she has at our house.

Speaker 9 (53:38):
He's gonna have to eliminate three to get on the arc.

Speaker 5 (53:40):
That's right.

Speaker 3 (53:41):
Okay, Well, now that we know the rules, Chris, thanks
for being with us, and thank you all for listening
to real Estate Matters with Stuart Title. I am your host,
Bill Nampick, doing the best I can every week right here.
Simply go to Stewart dot com, Forward Slash Radio or
Radio Bill. That's even simpler, Radio Bill the YouTube channel.
We'll see you next week. Thanks for listening.