Realtors & Money

Younger Realtors provide fresher insights!

Episode Transcript

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

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

(00:38):
entertain and inspire.

Speaker 3 (00:39):
Bill Knabek, Welcome to the show. It is Real Estate
Matters with Stuart Title, Show number five fifty eight. That's right.
I'm your host, Bill Napick. Thank you for joining us
right here on the big show. It's a real estate
adventure every week. If you've been a regular listener, you
know that we always have interesting people. Today is no different.

(01:00):
Super people abound on this show and simply go to
Stuart dot Com, Forward Slash Radio. That's right, you could
see the show. You could see the YouTube video of
each and every show, and you could also access the
show archives at Stuart dot com. Forward Slash Radio. Today,
we're going to start off with Fernando cha Vida. His

(01:21):
company is called Casa Ontigua real Ty. Fernando, welcome to
the show. Hey, how you doing doing great? So let's
tell people about Casa on Tigwell for realty.

Speaker 4 (01:33):
So I am an agent there. The broker is owned
by Martha Martha Gill. It's located out of the East End.
It started originally as a broker in order to kind
of just handle her own deals. She does a lot
of investing and things like that, right, and then over
time some of the relationships she built in the industry

(01:55):
kind of jump jump ship with her. It was like, hey,
you know, you have your license, you're doing your own thing.
Is there room for agents on there? And the rest
of that was just history. Now we're slowly growing, making
a little name for ourselves in the city.

Speaker 3 (02:09):
Right here on the big show. You're making a name
and telling people all about Casa Antigua. So let's tell people.
First of all, when we talk about geographically where you are,
certainly you go all over Houston, Fernondo, but specifically, let's say,
in the last twenty transactions, where have you spent most
of your time helping buyers and sellers.

Speaker 4 (02:27):
I'm on the south side, so kind of like that
golf Gate six to ten area down. I live over
in Gveson County, League City. I used to work also
in Galveson County as well, and so a lot of
my spear comes from that area and through those resources,
it's kind of opened me up to I mean, I'm

(02:48):
all over the place, Chester at Texas, out towards Louisiana, Cleveland.
Really yeah, really.

Speaker 3 (02:52):
All over and right now, are you helping more buyers
or sellers?

Speaker 4 (02:56):
It's been a little bit more of a buyer driven
market just because of the interest rates. A lot of
my spears, you know, that early thirties kind of age
group where they're trying to get into home ownership for
the first time, and so interest rates are a concern.
So we're definitely moving over to the new construction with
the in house financing that they're offering.

Speaker 3 (03:16):
So in your business, as far as buyers go, it
sounds like you're doing a lot with the first time home.

Speaker 4 (03:21):
Buyers that's been it just given where when I look
at my initial friends group and my spear, I went
ahead and just targeted that just because you know, we're
in our early thirties, mid thirties, and now home ownership
is something that I guess our generation is starting to
move into.

Speaker 3 (03:37):
It's interesting to think about that. You know, I'm not
that far from the thirties, you know, maybe ten years
give or take or take. But anyway, all that said,
what's going on in the mindset. Let's say take people
in their thirties and forties and they're just approaching the
home market. What are some of the things they're thinking
about for nando and how are you helping them?

Speaker 4 (03:56):
It's kind of tough just because depending on the age group.
But I've got some individuals that are are on fixed
income and they're seeing increases in insurance and taxes and
things like that, and so they're having to kind of
approach it in a different manner. Also have some individuals
that used to downsize, or we used to downsize at
a certain age. But given the fact that, like I said,

(04:17):
interest rates and what's going on in the economy and
everything like that, downsizing isn't really the best option, right
now just because of the finances, so they're holding onto
these properties a little bit more. And so then the
younger group, they're they're renting currently, so some of them
are also feeling kind of that wrath of the increase
in rents, and so now they're definitely entertaining home ownership.

(04:38):
And that's kind of where these conversations start to open.

Speaker 5 (04:40):
Up a little bit.

Speaker 3 (04:41):
And also focusing just for a second on the first
time buyers, whether it's an individual or a couple. Do
they in your experience, do they come to you and
they say, hey, we're ready, we've been renting rents going up,
or we're just now ready we've saved some money, or
are you out there also promoting the idea that hey, whatever,

(05:02):
mister and missus so and so, or hey Joe or whatever,
have you thought about buying your own home? How often
are you being proactive to where you go out there
and say, hey, man, you shouldn't be spending the money
on the rent where you could own blah blah blah.

Speaker 4 (05:14):
I am heavy education, and so I spent a lot
of my marketing is on social media, and it's really
sitting down and taking everything that I'm learning in these
transactions and educating people. I find that a lot of
people are scared to kind of speak up and ask
for a little bit of guidance, a little bit of assistance,
and so educating has allowed me, through social media to

(05:37):
kind of drop that bridge and kind of ease the
entry where people come to me, isa, Hey, I noticed
you mentioned something along the lines of this, And so
it's been a lot of educating and I work with
some people that are ready, they don't realize how ready
they are. And I've also worked with people that right now,
I've got a guy I'm working with, we're probably not
gonna be ready for a year, and so right now

(05:59):
we're just taking care of some things and kind of
setting ourselves up for when that time comes.

Speaker 3 (06:03):
And that's probably a great thing. And from this person's standpoint,
they I would think they were very appreciative of that,
that you'd be willing to work with them that amount
of time and given the information to be ready, because
it's a good point. Not everybody in the first time
home buyer market is ready to go at that moment,
and to have the right real estate professional like you,

(06:25):
Fernando Chavida, there you go right doing great workout there.
For Nanda, it's.

Speaker 4 (06:30):
Been it's been a it's been a little challenging, but
because I came into this game and the goal is longevity,
and so for me, it's it's planning these seeds where
if you teach somebody something, they'll remember you for life,
right and so versus if I just handle a transaction
and I just kind of, you know, end it, be
done with it, treat it like it's, you know, just
another number. You know, there's no connection there. And so

(06:53):
for me, the easiest, the easiest way to connect with
somebody is through giving them something that they can pass
down to their family. Hey, this agent with nice hair
one day, you know, showed me this about real estate,
and I'm going to show it to you. To me,
that's just the easiest way to grow this business and
quote unquote market.

Speaker 3 (07:12):
In fact, that's very very profound that you're looking at
the long game like that. That's awesome, and they will
remember you and theoretically come back again and again as
long as they're in the area, and of course when
it's time to leave, they'll list the home with you.
For now a lot of referrals. That's awesome. So let's
talk about social media before we started recording. Sounds like
you have some insights into how to use some of

(07:33):
the vehicles like Instagram and Facebook. So for those of
us that are in the real estate profession, give us
an idea or to how we can improve our social media.
Let's take Facebook. You use Facebook, right?

Speaker 4 (07:44):
I do both, and so for me, it's easier to
create a video through the structure of the Instagram platform
and then from there, I just whenever I upload it
through there, it directly uploads it to Facebook. So I'm
not how into work twice as hard, and so it's
easier to structure a video from in that format and

(08:08):
then take it over to Facebook's a lot more free range.
So you can't start in Facebook and then come down
to Instagram the quality and the message and it just
won't it won't be the same. But definitely I take
the opportunity to do that format and then I move
it over to TikTok and YouTube shorts as well.

Speaker 3 (08:26):
So to get results, Let's take Facebook. What would you
use Facebook for listings or everything? Everything?

Speaker 4 (08:33):
Yeah, my entire life is on social media. If you
wanted to know where I was going to be or
what I was doing, you could probably get on Facebook
and find out. Luckily, I'm not doing anything crazier anything
like that. I don't have nothing to worry about. But
I'm very, very open and honest on social media.

Speaker 3 (08:47):
You use it mostly for business.

Speaker 5 (08:49):
Off for business?

Speaker 3 (08:50):
Yeah, and you're saying results, Yes, how often do you
find does someone find you from your from your post
wherever they are that let's say, well, let's say with
in the city, and then let's say you get anybody
from outside of the state on the social media.

Speaker 4 (09:06):
It's I'm not really targeting the individuals from at a state,
which is something that I'm trying to use to scale
my business now going forward, because I feel like I
have exhausted a lot of my initial sphere and so
every it's very rare that I get a direct referral
from these platforms. I look at it more so as
a consistency. It's me putting myself out there and just

(09:29):
staying in you know, people's mind when it comes to
really all things real estate. But I try to sprinkle
a little bit of personality on there because I feel
like that's the one thing I have that no one
can copy as my own individual personality, which we all.

Speaker 3 (09:41):
Have I know you have personality. I knew that the
moment you walk in the room, and I like the
way you put it. You sprinkle a little personality and
it goes a long way.

Speaker 4 (09:52):
Absolutely, In an industry that is overly saturated, in an
industry that we all kind of are doing the same thing,
I think the biggest piece of advice that I have
learned in my career was to just lean in a
little bit more into who I am and what it
is that drives me and pushes me's That's the one
thing that I think no one else is doing because

(10:12):
it's only one one me and I would never be
able to do it how somebody else would be able
to do it. It is a little tough market. We
are seeing some things we've never seen before. There's no
way to really kind of trend what's happening right here.
But there's always an opportunity, and if you just stay
ahead of it, you whether it's me or any other
agent in the industry, find somebody you trust, find a

(10:33):
good team, and you can make a lot of things
happen in this industry.

Speaker 3 (10:37):
Let's tell people how they can reach you.

Speaker 4 (10:39):
The best way to get a hold of me is
my telephone number eight three two eight nine six seven
six one five eight three two eight nine six seven
six one five.

Speaker 3 (10:48):
Fernando, thanks for being with us. Thank you. As we continue,
let's talk to Arch Current. The company is tree Top
Realty Group. Hey, Arch, welcome to the show.

Speaker 6 (10:59):
Thank you, Bill, appreciate it. Happy to be here.

Speaker 3 (11:01):
Great to hear the name Treetop Realty Group. It looks
like you have you can oversee things and it's just
a I think, a very memorable name. Let's tell people
about the company, okay.

Speaker 6 (11:11):
So, Treetop Realty Group is a new brokerage in the Woodlands,
Montgomery County area. I just started it. It's been a
five year plan that's come into effect in the last month.
I got my broker license last month. Been in the
industry five years before that. I spent eighteen years in
oil and gas, so quit that full time job to

(11:34):
take on real estate full time. So Treetop Realty Group.
The way I got that business name is a play
on the woodlands, so living in the trees or amongst
the trees. I've lived in the Woodlands since ninety seven,
so a very long time, very familiar with the area,
and so that is an ode to the Woodlands Treetop

(11:54):
Realty Group. So right now I am in the process
of building all the tools, the preced the plans, the training,
all the things that go with a new brokerage. I
kicked around the idea of going and joining one of
the big boys, but you know, after working in corporate
America for eighteen years for somebody else, decided it's time

(12:15):
to work and do something on my own.

Speaker 3 (12:17):
The time is now, that's right. And some also, you
have a degree in economics, much needed at this point
in time. I think that would be great to have
that kind of information. You grew up in a military family,
I'm told I.

Speaker 6 (12:28):
Did, yes, sir. My dad was in the military and
the Air Force for the last twenty six years, just
recently retired, so we moved around every two to three years.
I understand the stresses and the hassles that comes with moving.
Some of my favorite clients are in fact veterans that
I've gotten to work with recently, and then kind of

(12:50):
a play on the veterans' community efforts. You know, It's
always been near and dear to my heart. So I'm
actually on the board of directors at a nonprofit five
and see three nonprofit based out of Conro that's called
Henry's Home Horse and Human Sanctuary, So that is they
provide equine therapy programs to veterans and retired first responders

(13:11):
and that's located there in Conro, just north of the Woodlands.

Speaker 3 (13:14):
And describe equine therapy. I have an idea and maybe
people listening do as well.

Speaker 6 (13:19):
But so they have a few different programs. I actually
brought you a brochure so you could read up on it.
But we have a few different programs. We have an
equine director there that we have self care Saturdays in
the mornings on on Saturday morning where you get to
bring in the the veterans. They get to spend time
with horses. You can do everything from you know, groom

(13:42):
the horses to just spend time around them. There's teachings
of the horse and the energy and how the the
the horses can receive energy and help veterans cope with
PTSD and this transition kind of back into civilian life.

Speaker 3 (14:03):
That's interesting because all animals, I think, at least friendly ones,
if they're not trying to attack you, you have the
opportunity to where they are therapeutic almost any kind of animal,
from the small rabbit to a large horse. But I
think it's fascinating. There is something about the horse that
it's kind of magical.

Speaker 6 (14:21):
Really, it's very magical. Yeah. They can pick up your
heartbeat about thirty feet away, and then they can feel
your energy. So if you're anxious, they'll become anxious. If
you're calm, they'll be very, very calm. It's a very unique,
very tranquil environment. And we've had a lot of really
positive reactions and.

Speaker 3 (14:43):
Well, how do they pick up that sense from hearing
or vibrations?

Speaker 4 (14:47):
Do you know?

Speaker 6 (14:47):
I think it's from vibrations.

Speaker 3 (14:49):
It's even more fascinating.

Speaker 6 (14:50):
Yeah, yeah, And of course there's scent, you know, they
can smell.

Speaker 3 (14:54):
And we think about horses. There's been a lot of
talk on this show in the last couple months, at
least three four shows horses have been a big part
of it. But for years, up until and I'm watching
the show nineteen twenty three, for years that was the
way that we That was transportation for centuries, yes it was,
and then there's a transition to the automobile and here

(15:17):
we are. But the horses are so important to the
development of this country. And now in helping veterans exactly exactly,
and it's called Henry's.

Speaker 6 (15:26):
Home, Henry's Home, Horse and Human Sanctuary.

Speaker 3 (15:29):
Do you have a horse archer?

Speaker 6 (15:30):
I do not. I have a couple of favorites out there.

Speaker 3 (15:33):
It sounds like you're around them a bit, I am.

Speaker 6 (15:35):
Yes.

Speaker 3 (15:36):
So that's fascinating. Now you say you you were a
regular real estate agent and then you have inspired to
be a broker. Tell us a little bit about what
your inspiration was. You kind of touched upon it, but
give us some more. It's more responsibility, more courses, more
very much and all that.

Speaker 6 (15:55):
There's a lot more to it. So yes, So I
started in real estate about five years ago. I had
a family friend that was a broker in Montgomery County
and a mutual friend of Hopes as well. Jane Hardcastle
and very well known in the Woodland, spent forty plus
years in the area, and I reached out to her

(16:16):
and said, hey, I'd like to be a real estate agent.
I know you don't sponsor very many people, but would
you consider it. She sponsored me, became a wonderful mentor.
To this day, we're still very close friends. She mentors
me and has supported this jump into my own brokerage.
And so five years ago when I got into it,

(16:37):
I started the path of if I'm going to do this,
I'm going to eventually start my own brokerage. So I
got my agent's license. I was doing part time real
estate and working at an engineering and construction company and
doing commercial management and contracts. And then ultimately, as we
got towards the five year mark and I've achieved all

(16:59):
of my tineering education and my number of transactions, I've
moved over into getting the broker license and then transitioning
what was a team of Treetop Realty Group to now
the brokerage Treetop Realty Group.

Speaker 3 (17:12):
So then as far as agents go, there are someone
wants to become part of your team, how does that work?

Speaker 6 (17:19):
Well, they would reach out to me right now. Like
I said, we're early stages of building. Right now, it's
just me, a team of one, but that is quick
to change. I'm already in discussions with a few other
agents that have expressed interests in coming over to join me.
I'm in process of you know, I've got the EO
and you know insurance, I've got the policies and procedures
I've got some training material documented, and so this year

(17:44):
is the year of building Treetop Realty Group.

Speaker 3 (17:46):
We're talking with arch current. The company is tree Top
Realty Group. Going back to you were working with a
regular job, Corporate America so to speak. You had benefits
I'm imagining, yes, you got paid well with your economic
credentials and marketing and business and things like that. Was

(18:07):
it scary just to become a real estate agent? To
leave that to be a real estate agent? How did
you pull the plug? As many people might be in
that position right now, and many people that are realtors
had to make some kind of decision wherever they came from.
But to quit a big job and say, hey, I'm
going to work straight commission, pay all these expenses in time, yes,

(18:29):
tell us about it.

Speaker 6 (18:30):
It is scary. I spent the last twenty years on
a W two right, so benefits great pay and.

Speaker 3 (18:37):
They take their taxes for you actually on all the work.

Speaker 6 (18:40):
Yeah, right, But really what's aligned is I have a
very supportive wife that I just got married at the
end of last year. She works, has a great job,
and I've been able to use this last four years
to build my pipeline, my client, pipeline, my reputation, the brand,
and everything's just kind of allotted. And this year it's

(19:03):
put me in a position where I had to choose
a path either start turning down real estate business or
take take it on full time and just go one
hundred percent. And that's that's what I'm doing now.

Speaker 3 (19:16):
Now I could be wrong, but you strike me as
a person that you mentioned the word plan. I have
a feeling that you're a person that plans. You lay
things out. There's possibly an outline, yes for next week
and maybe even a few months. YEA tell us about
how you plan in case some of us want to
learn from you.

Speaker 6 (19:34):
Yeah, absolutely so. So what I did was, you know,
I planned a pipeline, and I put together a business plan.
I put to get a marketing plan, some community events,
those type of things how I could get my name
out there. And then really it's just been building the brand,
being very vocal on all of the social media. You

(19:56):
can find me on every social media platform LinkedIn, Instagram, Facebook,
I've got Treetop Realty Group, the website. I'm on YouTube
as well, and just being able to start that early
with the five year plan, knowing that I was going
to turn this team into an overall brokerage called Treetop
Realty Group. I would say, just to one of my

(20:19):
taglines for my business is local roots, higher expectations.

Speaker 3 (20:24):
So it goes with the tree again with the.

Speaker 6 (20:26):
Tree exactly, so local roots being you know, I grew up.
Most of the time that I've spent as an adult
has been in the Woodlands, So I've got local roots
to that area in the Montgomery County. And the higher
expectations meaning that I'm holding myself to higher expectations. I
will hold my real estate agents to higher expectations, and

(20:47):
my clients should expect a higher expectations and a level
of professionalism that's unmatched in that area.

Speaker 3 (20:55):
Sounds good to me. Arch. Let's tell people how they
can reach you.

Speaker 6 (20:59):
You can reach me at my via cell phone number
seven one three five four zero six nine zero three,
or you can email Arch at Treetoprealtygroup dot com. I'm
also on Treetoprealtygroup dot com or treetop Realty Group in
any of the social media platforms, and the phone number
is seven one three five four zero six nine zero three.

Speaker 3 (21:22):
Good to see you, Thanks for being with us. Thank
you Bill Well sometimes My favorite time of the show
is when we get to talk money, and we do
that today with Andrea Adios with Kasa Quest Mortgage. Here
she is, Andrea, Welcome to the show.

Speaker 7 (21:37):
Thank you for having me. I'm excited to be here.

Speaker 3 (21:40):
Money is always great. It's the lifeblood of almost everything. Right, Yeah,
money talks and Cosa Quest Mortgage. Let's tell people about
the company, Andrea.

Speaker 7 (21:49):
Yes, I'm a mortgage broker for Cossa Quest Mortgage. It
is my brokerage. My father kind of passed down the
torch to me. He was in real estate for about
thirty years, so I was pretty much raised in the industry.
My mom's also a real churse, so I'm pretty sure
my first words were probably flip refinance or loan modification.

Speaker 3 (22:08):
OK, what's the rate? Right?

Speaker 7 (22:10):
Yeah, what's the rate? Can we close?

Speaker 3 (22:12):
Can we close?

Speaker 4 (22:13):
Yeah?

Speaker 3 (22:14):
Well that's fascinating. And I guess a lot of family
businesses want to pass the torch to offspring and things.
But you were ready to receive the torch apparently, yes.

Speaker 7 (22:23):
And my sister's actually in the industry as well. She
actually kind of got out of the industry, but I
wanted to stay in it. I've been in it, focusing
fully on it for about six years now, started as
a loan processor and then a commercial loan officer, and
then from there started going into residential and.

Speaker 3 (22:40):
Even just in six years, Andrea, the changes in the
dynamics of the marketplace, where again anytime money's involved there
are dynamics. It's fascinating.

Speaker 7 (22:50):
It is crazy the way the market has changed in
necessarily even the past few months, rates have been going
up and down. One week it's at seven percent, the
next week I have someone at five point two five.
So is a market is very crazy and unpredictable.

Speaker 3 (23:03):
And I imagine people asking you all the time, what's
the rate?

Speaker 7 (23:07):
Andre As. When I checked this morning for a thirty
year fix on an FHA was about six point six.

Speaker 3 (23:13):
What about a fifteen? They say the fifteen year is
a little bit less. How much is fifteen roughly?

Speaker 7 (23:18):
So for a fifteen we're looking at about six percent
depending on the interest rate. It is heavily factored with
the person's credit score and your DTI as well and
how much down payment you're putting in. So that's actually
a fun fact. A lot of people don't know if
you put more down, your interest rate can actually come
down as well.

Speaker 3 (23:34):
You're reading my mind because I was going to say,
what if I wanted a fifteen percent or a fifteen
year mortgage and I want to put down twenty percent.

Speaker 7 (23:43):
The interest rate comes down. I got someone approved with
a fifteen percent, sorry fifteen percent fifteen year about five
point twenty five last week, and we closed. They were
very happy. We got them down payment assistance as well,
not with that bigger down payment.

Speaker 3 (23:59):
But that sounds like a good number, I think, because
I think the fives are a number that might mean
you're in the business. But I'm guessing it's a good
number where people feel kind of comfortable, more so than
when we get to those higher sevens and so forth exactly.

Speaker 7 (24:12):
And a lot of people also don't know. There's different
buy down options. You can do a two to one
buy down, or you can permanently buy down the rate
it depending on the lender, is how much you would
buy down the rate for. So there's some lenders that
for fifteen hundred dollars you can buy it down from
five point seven five to five point two five.

Speaker 3 (24:30):
And then how often in your world are you helping,
say the first time couple or the first time individual.

Speaker 7 (24:36):
First time home buyers. Those are actually the last five
years has been a lot more when I was processing loans,
but when I've been doing it myself, I've been I'm
gonna say about six or seven for first time home
buyers with down payment assistance. That's where my niches just
with down payment assistance. I've been able to help someone
close with that brought eight hundred dollars.

Speaker 3 (24:56):
To closing and they got to buy a house, and.

Speaker 7 (24:59):
They got to buy house in Manville, and I worked
with them for a year trying to get them to
get ready to buy the house.

Speaker 3 (25:06):
It doesn't happen overnight.

Speaker 7 (25:08):
It does not. So a lot of people are really
scared when they see the interest rate or this is
it's the biggest purchase they're going to make in their life.
How often are you going to buy a five hundred
thousand dollars purchase? And so having the tools and the
education and making sure that you're making that educated purchase
is where I strive. Is making sure that the barrowers
understand what they're going through, whether they're going to go

(25:30):
borrow repaid or lender paid, whether they know what that means,
and making sure that the option works best for them
with down payment assistants as well.

Speaker 3 (25:38):
Give us a word about down payment assistant. There may
be people out there that don't know it's available. But
we usually think when we talk about mortgage, we think
about the things the credit scores we need and those
things in the employment history, those types of things. But
to qualify for the loan, but how do you get

(25:58):
weave in the down pain assistance? How do you qualify
for that? Is it different or is it like a
little package.

Speaker 7 (26:05):
It depends on the lender. So there's actually As a broker,
I work with a lot of different lenders, and so
that's why it's important to ask the borrower a bunch
of questions at the beginning to understand where exactly we
can place them. So every lender has a different down
payment assistance program and they have different qualifications. I have
a lender that I was able to qualify someone for

(26:25):
a down payment assistance and they made one hundred and
eighty thousand dollars a year, But that was that lender specifically.

Speaker 3 (26:32):
How long it takes or how many questions and consultations
do you have with someone again, whether it's an individual
or a couple, to where you get an idea of
the right kind of loans do they want, do they
need the down payment assistance, private mortgage insurance, all these things.
If I come to you, how long is it going
to take me to determine? For you to help me determine.

(26:54):
Let's just say, as an individual, I say, hey, I
want to buy a home that's X dollars. Here's my
fine financial stuff, and then how do we how does
that go from there? The consultation and how many times
are we going to consult?

Speaker 7 (27:06):
So typically about two to three times, just because at
first I would like to know what their long term
goals are. There are people who want to start purchasing
homes and doing investing, So then I would recommend house hacking,
and then go into what house hacking is?

Speaker 3 (27:20):
What is it house hacking is?

Speaker 7 (27:21):
That's really really fun. I love talking about it because
that's the.

Speaker 3 (27:24):
First time I think that those word, those two words
have been uttered.

Speaker 7 (27:26):
Really it's actually it's a newer it's not a newer concept,
but it's more talked about because a lot of people
like hearing about investing because this is where you can
make the passive income. And house hacking is great for
people who want to help with the mortgage payment. So
house hacking is when you can purchase a house which
is more than one unit. So let's say you have
a four unit purchase, you live in one, you lease

(27:49):
out the other three, and then the lease from the
other properties offset the mortgage. So essentially, if you can
get a property that is not that expensive and you
lease out the other ones, some people have actually made
a profit through that, so someone else is paying their mortgage.

Speaker 3 (28:03):
Interesting, and then what about people Forget the first time
buyers for a second, but what about people that are, well,
they've lived in their home seven years and they're going
about their lives and they haven't even thought about mortgage
or buying a property. But it's now the time to
get a loan. They're going to sell their house, and
all of a sudden they're back in the market. What

(28:25):
are the things that they should know? Someone that's been
out of it and here they are seven years and
they're like, okay, it's time to buy. What should they
know about getting a loan and getting their stuff together?

Speaker 7 (28:35):
It's a process is essentially pretty much the same. You
have to make sure that your dent to income is
not higher than a certain amount, so making sure that
you don't have that much debt. Something that I've noticed
a lot, even older generations, is there the education, the
loans for education, And that's where it's been very difficult

(28:56):
for a few people to qualify, because there's people who
have bought their home and started getting student loans, and
that's where it hurts them a little bit. But making
sure that your financials are in order. There's a lot
of people that say I'm never going to be ready
to buy home because of the interest rates. But if
you're financially ready and you're making the income, you don't
have a lot of debt, then you're ready. This is

(29:18):
a lot of real estate professionals like to say the rate,
marry the house because interest rates are always going up
and down.

Speaker 3 (29:26):
How often and everything's different. But when you talk about debt,
when you look and you get to see a side
that most of us don't even realtors, but you see
the financials of the couple and the individuals that come
in to see you. Right, So do people have a
lot of debt out there? That's a general question. But

(29:46):
the average person or average couple, how much debt they
carrying around?

Speaker 7 (29:50):
Oh, when it comes to student loans. That's where I've
seen a lot. So there's a few married couples that
I've seen where they both have student loans, they have
law degrees, and their debt to income. Their debt has
been almost in the one hundred thousands, and so it's yeah,
but there's things that they can do for that as well.
They can consolidate the loans. A rule of thumb is

(30:12):
if you don't have any payments for your loans, for
your education loans, then it's five percent of the minimum
payment that you have to put into the loan.

Speaker 3 (30:22):
That makes sense. Do most people you see have a
loan on a car?

Speaker 7 (30:27):
Yes?

Speaker 3 (30:28):
How often you see people that have their car outright?
Don't hold money on it? Why are you laughing with
That's why we're getting to the real stuff. That's why
it's called real estate matters.

Speaker 7 (30:40):
And I'm laughing because I see and thank you for
bringing it up. I feel like this is something that
if you have not purchased a car, please wait, do
not buy that eighty thousand dollars Tesla. Do not buy
that eighty thousand dollars forward, buy your house first, and
then buy your car, because we're not going to check
your financials after.

Speaker 3 (30:58):
Right, then we're going to be on the way. But
the thing is, and then what about credit card debt?
What do you see there?

Speaker 7 (31:04):
Thankfully? Actually credit card debt. I feel like recently a
lot of people have learned how to manage their credit
card debt. So there's a rule of thumb is make
sure that you don't go over thirty percent on your
credit card, and that's how you can keep your credit score.
Also higher credit card debt, I have not seen that
much of thankfully fascinating.

Speaker 3 (31:24):
We're talking with Andrea Bodios with Costa Quest Mortgage. Andrea,
before we close a segment, what else should we know?

Speaker 7 (31:32):
I am also an educator for continuing education for realtors,
and I also host a lot of workshops and seminars
for buyers. I have first time home buying seminars, and
I also have my first house hacking seminar on April
fifteenth at six o'clock at my office. So I'm very
big on educating the borrowers and that they make that
educated purchase. Like I've stated before.

Speaker 3 (31:54):
So we should stay in touch with you right.

Speaker 7 (31:56):
Yes, you can see all of my seminars and workshops
on my web site. Akasa Quest Mortgage dot Com, or
you can call me and I can give you a
one to one phone number eight three two three one
nine nine seven seven nine.

Speaker 3 (32:09):
Psychic carn't you? Yes, it's like three three times. I
was gonna ask you and you knew the number again is.

Speaker 7 (32:17):
A three two three one nine nine seven seven nine.

Speaker 3 (32:21):
Thanks Andrea, Thank you. Real Estate matters with Stewart Title
would not be possible without our partner Stuart Insurance. With
a focus in real estate and a special focus on
real estate brokers, Stuart 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

(32:44):
manage their risks. Here he is with Stuart Insurance. John Bramlett, Hello, Bill, Well,
here we are John.

Speaker 5 (32:50):
Great show.

Speaker 3 (32:51):
It's amazing to I love the energy that the guests
have today and also the wealth of information.

Speaker 5 (32:59):
Yeah, I mean the profession today is exceptional.

Speaker 3 (33:02):
It really is. And you know today, I don't know
that it's a show first, but it's a show at least.
It's one of the few times that this has happened
with you and I talking and I don't even know
if you're aware of it.

Speaker 5 (33:12):
And that would oh that we're both working.

Speaker 3 (33:13):
Well, we're wearing blazers because I rarely wear a blazer,
but here we are today.

Speaker 5 (33:18):
Do you have a job interview later?

Speaker 3 (33:19):
I not that I know of, okay, but just saying
it's you're looking Charrette. Well, thank you so. Insurance time
once again.

Speaker 5 (33:27):
Once again on the March thirtieth show, we talked about
flood insurance and we talked about do people have enough coverage?
And I wanted to continue that conversation because the first
forecast for the twenty twenty five hurricane season just came out.
So there's the National Oceanic Administration NOAH, and then Colorado

(33:50):
State University or really the kind of the two key
resources that come out and provide the forecast for hurricane
season and Colorado States came out just last week. So
I wanted to visit a little bit about that because
they're expecting it to be a busier than normal season.

Speaker 3 (34:07):
And what's disturbing is, certainly we think here in the
Houston area about hurricanes, flooding all that, but I've never
seen flooding in other parts of the country like unfortunately,
we've seen it just in the last few weeks. It
is settling.

Speaker 5 (34:20):
I mean, it's a little concerning that people have that
perception that it's strictly a coastal issue and it's not.
I mean, it's not. I mean, so it's and that's
why the National Flood Insurance Program has designated so many
areas as flood you know, with different levels of flood
zones and flood you probabilities of flooding because of because

(34:43):
of that. But you know, they're saying, the folks at
Colorado State are saying that they're thinking something along the
lines of seventeen named storms this year. Nine of those
will be hurricanes. I know, those nine four will be
what they consider a major storm one hundred eleven miles
an hour winds or greater. So pretty scary, so much

(35:03):
crazy weather that happens. Well, it is, and I mean,
you know, last year we had a four four to
five named storms that came through the five last year
that came up through the Gulf of Mexico. So we
had five hurricanes that came up through the Gulf of Mexico.
So this year, you know, they're talking about nine hurricanes
and four of them being major. While they can't project,

(35:28):
whether you know which state they will come through or
you know where they will originate. They do feel like
that seventy percent of those that we've talked about those
named storms could track within fifty miles of the Texas coast.

Speaker 3 (35:40):
What's interesting is and kind of interest. I think it's interesting,
and that is the book that I just picked up,
the audio book called Invisible Influence as I was listening
walking the dog this morning. They talked about how hurricane
names influenced the trends of names that parents give their
newborns after the storm. That's all the different things in

(36:04):
that and that is because it's because it's in the
a hurricane baby or no, it's it's that like with
Hurricane Katrina. This book uses the example that when Hurricane
Katrina came after that, Kimberly Katrina names would beget Carson
names that had that sound. It's just.

Speaker 5 (36:24):
Maybe a Walter and Johnson topic.

Speaker 3 (36:26):
Well it could be, but so many things influence what happens.
But hurricanes other than weather influence other cultural things.

Speaker 5 (36:34):
Well, it is, and that's you know, I think that's
why we want to continually talk about the validity of
having flood coverage. I mean we're going to get a
feel for what the National Oceanic and Atmospheric Administration thinks
next month. But I mean just the fact that they're
you know, they're projecting seventeen name storms, nine hurricanes and
four that are going to be major. I think it's

(36:55):
worth folks to this is still a good time to
consider having having flood coverage and having a conversation with
your insurance advisor about flood coverage and the options that
are available.

Speaker 3 (37:05):
And as we started out, certainly if you're listening outside
of the Texas the Houston area Stewart Insurance, you're helping
people get the flood coverage that they need in the
United States, not just here.

Speaker 5 (37:16):
That's correct, We have clients all over the US, but
I mean a good majority of the flood coverage that
we write it's going to be in Texas and along
the Gulf Coast in Florida.

Speaker 3 (37:28):
And what are some of the other things we should
be thinking about, John.

Speaker 5 (37:31):
Well, I just think the fact that it's important that
you know, we realize that an inch of water can
do twenty five thousand dollars worth of damage to a home.
So if an individual or a family feels like that
they can absorb that, and that's assuming that it's only
an inch of water that's in the home. Then may
be flood coverage is not as important, But if they'd
like to offset some of that expense of a flood

(37:56):
potential flood damage, then that's where having a conversation about
flood and shance makes sense. And knowing that there are
options out there beyond just what comes from the National
Flood Insurance Program, that there are private companies that we
work with that offer flood coverage as well. And depending
upon the size of the home and the value of
your properties and some of the other expectations that you

(38:16):
might have, that's going to drive the coverage that we
would take a look.

Speaker 3 (38:19):
At, Like in certain cases homes that as I read
the Wall Street Journal the real estate section on Friday,
they focus on this celebrity, this financial tycoon is selling
their thirty million dollars forty million dollar place and so on,
And I would think that if they get flood coverage,
if they even get it, they're going to be using

(38:39):
a private company.

Speaker 5 (38:41):
Well they are, I mean the National Flood Insurance Program.
Their liability limit on the structure itself is two hundred
and fifty thousand dollars and their liability limit for the
personal property is one hundred thousand dollars. So there's a
good chance if somebody has a home, you know, in
excess of you know, valued at more than eight hundred
thousand dollars, that they're structure to repair or replace as

(39:02):
well as to repair or replace their positions, it is
going to be greater than two hundred and fifty and
one hundred and fifty thousand dollars. So when Andrea was
talking about spending time with her prospective clients to get
to know them and understand what those needs are so
she can place their loan with the best partner that
she has as possible based on their needs, we do

(39:24):
the same thing. So that's why it's important to understand
that in some cases coverage from the National in insurance
program may make sense. Or if you know, or if
it doesn't like the example that you gave, then let's
look at some private companies that have higher liability limits
that might provide better coverage for collectibles and antiques, that

(39:45):
might provide coverage if you had to move out of
the home, so they could help with some of your
temporary housing costs. So depending upon what's important to that
individual will drive the coverage that will write.

Speaker 3 (39:56):
You know, one of the things I was thinking about,
as far as my own home just recently and not
necessarily flooding, I was thinking, you know, it's been a
long time at the home I live in now that
I have videotape, might belonging should something happen like I
just heard about two people that have had fires that
I know, but fires, flooding, theft, it's probably a good

(40:20):
idea every now and then to run through with a
video and to otherwise, in addition, inventory you'r belonging.

Speaker 5 (40:26):
Absolutely get a feel for what it would cost to
repair or replace, because you might you know, you may
have set a number for your home for the replacement
costs that were was valid five years ago, ten years ago,
but now in today's market may not be. So it's
always good to do that assessment. Maintain the receipts that

(40:48):
you have, but like you said, videotape what your possessions
are so you can talk about, you know, this is
what I have and this is what it's going to
take to replace them. That's where it's important to keep
those records and as you said videotape, Know what you have,
and then set make sure that limits that you have
are set as best as they can be. And then

(41:09):
understand that understand overall what coverage you do and don't have,
so that you're accepting the fact that I'm going to
have to self insure for a certain amount of this
or you know what, I'm not comfortable with that, so
I'm going to try to offset as much of that
exposure as much as that costs as I can onto
the insurance company. And that's just based at that point
on economics. So you know what can you afford from

(41:30):
an insurance perspective. And if you are risk averse, and
let's find this most coverage as we can for what
your budget will accept. If you're not risk averse, and
maybe you're willing to take on some of that risks
to then maybe you'll take on more of that and
be a bit more self insured and only have coverage
for things that might be catastrophes.

Speaker 3 (41:49):
Always enlightening, John, Let's tell people how they can learn more.

Speaker 5 (41:52):
They can reach us at eight sixty six seven ninety
eight two eight two seven. That's eight sixty six seven
nine eight two eight two seven. Can learn more about
us at Stuart Insurance dot com or email us at
Stuart Insurance at Stuart dot com eight six six seven
nine eight two eight two seven.

Speaker 3 (42:08):
Thank you John, always a pleasure, Bill, And now we
get to talk to several of our business development people
right here in Houston. We have I don't know, maybe
fifteen sixteen I lost count, But if you're in Houston,
we have tremendous individuals here to help you. Whether you're
a real estate professional or you say, hey, I want
to where should I close my real estate transaction? Well,

(42:31):
we always suggest Stewart Title. And again we have representatives
representing each of our offices here in Houston, and if
you're outside of Houston, in addition, they are there to help.
You can go to Stuart dot com to find the
closest office. That's Stuart dot com. And guess what right
now here is Brittany Hernandez. Brittany, welcome to the show.

Speaker 7 (42:52):
What's up?

Speaker 4 (42:53):
Bill?

Speaker 3 (42:54):
Everything's that it's all real estate because real estate matters right.

Speaker 6 (42:57):
With Stewart Title exactly.

Speaker 3 (43:00):
So let's tell people about your office and where you're
serving real estate professionals.

Speaker 8 (43:04):
So we are what I like to call the land
of Pairs. We are impairlyand off two eighty eight south.
We're right in between. Alvin Manwell, I will call any
everything that's popping that way right now.

Speaker 3 (43:15):
And people are listening from a foreign they say, is
there really a place called Pearland?

Speaker 8 (43:19):
It is, and it's not pearl Land, it's.

Speaker 3 (43:22):
Paarland, Parland. That's right.

Speaker 8 (43:24):
We have a sign at hometown sports bar and girl
that actually says it's Pairland, not pearl Land.

Speaker 3 (43:31):
I'm glad you cleared that up. That really helps make sense.
It really doesn't. Tara Hobbs is doing tremendous work. Let's
tell people a little bit about terror because she has
longevity with the company and as many years nineteen.

Speaker 8 (43:43):
Years, and she's amazing.

Speaker 3 (43:45):
I wish she does so and people wonder what an
escrow officer does. She and the other people on our
team are doing tremendous work.

Speaker 8 (43:52):
So we have a new escer officer as well. We
added Crystal, she's our Spanish speaking escro officer, and we
have any receptionist and so our team is just growing
where booming business is really picking up in Parland. We've
got a lot of things happening over there. Andrea is
actually teaching some classes for me as well, and we
have headshots coming up this week and I'm taking those photos.

Speaker 3 (44:11):
For you know, I watch your Facebook posts and I
saw the headshot thing. That sounds awesome. So again, the
real estate professionals need to be close to you and
our complete team out there because there's educational things, continuing education,
and then you have the fun things like the headshots.

Speaker 8 (44:25):
Sometimes you want to have a little bit of business,
a little bit of network, a little bit of fun.
It's it's great to build relationships and I feel like
all of us as business development officers are doing that
with our agents, with our lenders in between all of
us like we just learned from each other. So it's
a well rounded world over there in Stewart Title.

Speaker 3 (44:42):
And you're doing so in a magnificent way, you and
the team. Brittany. Let's tell people how they can reach
you if they're interested in the Land of Pairs and
Stuart Title.

Speaker 8 (44:51):
What's the number so you can call us at two
eight one four one two six nine zero zero. You
can actually follow us on Facebook at Stuart Title Perlane
and you can see all of our info and events
that are happening right there. Two eight one four one
two six' nine zero.

Speaker 3 (45:06):
Zero thank, You, Brittany Thanks. Bill here she is once
again From conroe And. Magnolia oh, boy it seems like
a long, time but here you.

Speaker 9 (45:14):
Are oh, Hey, bil good to see.

Speaker 3 (45:16):
You conro And. Magnolia, yes the hotspots of The Montgomery.
County it is the shining stars Of Montgomery. County, well
let's sell. People what's going on up there In conroe And.

Speaker 9 (45:27):
Magnolia, well we are almost done with the construction on
fourteen eighty. Eight we're winding, down so but it is
all gone in front of My magnoia.

Speaker 7 (45:38):
Office so super happy about.

Speaker 3 (45:40):
That because that's. Right there was a whole bunch of
construction like barriers and congested, traffic the whole.

Speaker 9 (45:46):
Deal, yes so it was a little it took a
little minute to get to the office Of. Magnolia but
everything is working just find these.

Speaker 3 (45:53):
Days and what's the balance as we think About conroe And,
magnolia which is the is there ones a bigger? Off
what are the differences other than where they're?

Speaker 9 (46:02):
Geographically, REALLY i have some new, news, Please so we
just added a NEW esq officer to My conro. Office
so now we have Three escro officers In magnoia and
three In. Conro, Yes i'm super excited today with her first.

Speaker 3 (46:20):
Day so that's because you're bringing in all this. Business, yes,
yes you know the radio does not help because you know,
what we get numbers every now and. Then the numbers are,
increasing the various platforms are increasing, increasing so a lot
of ears are out there and responding to the great
work that we're all, doing trying to.

Speaker 9 (46:38):
Do, Absolutely.

Speaker 3 (46:40):
Hope let's tell people how they can reach you In
conro And.

Speaker 9 (46:42):
Magnolia they can call me on my cell three four
six two two four one nine zero. Eight again it's
three four six two two four one nine zero. Eight
we would love to partner with you and give us a.
Call if there's anything we can ever help.

Speaker 3 (46:58):
You, with please come back and see.

Speaker 7 (46:59):
Us i'll be here in a couple of.

Speaker 3 (47:00):
Weeks that's WHAT i. Thought, Thanks, hope good to see
you once. Again so here we are two business development,
people but now yet a. Third can you? Imagine here
she Is Morgan. Waters, morgan welcome to the, show and
let's tell people your office my.

Speaker 10 (47:17):
Office sorry, guys sorry for the voice. Situation my office
Is stuart And League City.

Speaker 3 (47:23):
League city a league of their own.

Speaker 7 (47:24):
Right we are a league of our own out.

Speaker 10 (47:26):
There it's. Fun we work down there in The, South League,
City Santa, Fe, Seabrook keeme out all that fun.

Speaker 3 (47:32):
Area and when we think about growing, areas The League City,
office even though it's in the other direction than the
office hopes and it's grown, too especially lately since you've
been on board And kimberly and.

Speaker 10 (47:44):
Everybody, yeah our office has changed significantly over the last
six or so. Months we have grown from Two escrow
officers down to one and now up to, three so
we have Three escrow officers that work in a team,
situation so each of Our escro office have their own
processor and they genuinely run off as a. Team so

(48:04):
it's been a lot of fun to watch our leadership
change and significantly grow our.

Speaker 3 (48:09):
Team that's, right doing tremendous. Work and each one of
our business development. People one of the things you do
a lot like we all, do but you're consulting with
people and telling the real estate, professionals informing them of
all the tools that you. Have ye and you are
very good at conducting those one on ones in those
group meetings where you because we have so many, tools

(48:31):
and it seems like things are growing all the time
and new things are being.

Speaker 10 (48:34):
Added that is one of my favorite.

Speaker 7 (48:35):
Things it's you, know it's WHY i don't have a.
Voice that's how All i'm doing out.

Speaker 10 (48:39):
There but, no that is one of my favorite things
is to share the tools that we have here At
stuart for our. Agents we have so many great, things
From altos research to bear printing to title. Toolbox we
have everything they could need and. More so SOMETIMES i
always tell them it's a lot to take. In so
taking one thing at a time and then we'll go from.

Speaker 3 (48:59):
There That i'll toast thing is, amazing especially when that
tool is in the hands of someone that knows how
to use it and you know how to instruct people
to use.

Speaker 10 (49:09):
It so, Absolutely.

Speaker 3 (49:10):
Morgan, waters let's tell people how they can reach.

Speaker 10 (49:12):
You you can reach me on my cell at two
eight one six three zero zero one seven. Nine again
my cell phone two eight one six three zero zero
one seven.

Speaker 3 (49:23):
Nine here he is once, Again Fernando. Chabia double down on.

Speaker 4 (49:28):
YOURSELF i think whatever it is you want to achieve
in this, world in this, LIFE i think if you
just get around awesome individuals like this there's plenty of
opportunity for everybody to. Eat you, KNOW i THINK i
think we're all kind of obviously we all have our
own bills and things like, that BUT i think we're
all on the same. PAGE i THINK i think us
working together collectively to solve people's. Problems the byproduct we get, paid,

(49:49):
right that pays our. Bills and so if you get
really good at teaming up with people in the, industry
sky's a. LIMIT i had a very narrow minded mentality
for a little while WHERE i THOUGHT i was in
competition with, everybody AND i quickly realized that if you
ask for help and you get in the right, rooms
you can definitely leverage your. Gift and, again as far

(50:11):
as you know marketing, yourself it's it's a competitive. INDUSTRY
i think if you just double down on your, personality
which is the one thing that no one can imitate
and no one can, copy your tribe will come to.

Speaker 5 (50:22):
You so that's that's kind of ALL i.

Speaker 3 (50:23):
Have that's a good. Point there's a lot of lot
of brain power out, there and to be, isolationists it's
not the way to. Go to tap into that and
to team up with, that that's a great.

Speaker 4 (50:33):
Word it's a telephone numbers eight three two eight nine
six seven six one five eight three two eight nine
six seven six one.

Speaker 3 (50:41):
Five thank you for being with us and Now Arch
Courage Tree Top Realty. Group, Well, arch here we. Are
we are, back, sir we are. Back let's tell people
as far As Henry's, home let's remind people if they
want to know more about, it they must have a.
Website and if someone wants to help the, horses the,
veterans what should we.

Speaker 6 (51:02):
Do, Yeah So Henry's home FIVE on't ONE c three
nonprofit organization benefiting veterans and retired first, responders located there In, Conro,
texas just off Of Creighton, road just north of The. Woodlands,
uh they can go to the website At Henry's Home
sanctuary dot. Org there you will see all of the
different programs that they. Offer. Uh there's everything from six week,

(51:24):
programs men and women group Sessions saturday early morning donuts
and brew and self Care, saturday among. Others keep in
mind that that organization is one hundred percent supported by
donations and volunteer, time and so if you'd like to,
donate please go to their. Website, again that Is Henry's

(51:44):
Home sanctuary dot.

Speaker 3 (51:46):
Org as far as the, people the veterans that the,
horses it makes the veterans feel. Good BUT i bet
the horses get something from. It two they.

Speaker 6 (51:53):
Do, Actually so all the horses that are on, property
the twenty six horses come from twenty. Six they are
all rescued. Horses so there are a few that Are
HOUSTON pd. Horses there are a couple horses that used
to be racing horses that are now. Retired there's horses
that have been. Surrendered they come from a variety of.

Speaker 3 (52:12):
Backgrounds so if someone needs help buying or selling real, Estate,
arch let's tell them how to reach you At Treetop
Realty group as you're a, Broker.

Speaker 6 (52:22):
Yes, sir so if you're up in The woodlands, Area Montgomery,
county you can reach me at seven one three five
four zero six' nine zero three or send me an
Email at Arch at treetoprealtygroup. Dot com seven one three
five four zero six'. Nine zero, Three.

Speaker 3 (52:38):
Thank you Arch and now, Andrea Is back Andrea Barrios With. Kasa,
quest mortgage well here we are, A, final word andrea
what do you want? People to?

Speaker 7 (52:49):
Know, two things actually the first one is being that
the market is. How it is a lot of people
go into foreclosure and they don't know that. They have
options so it's a very IMPORTANT thing that i wanted
to let the public know is that there's something called.
A loan modification you don't have to just short sell
or foreclose. On your home there are options to. Keep

(53:11):
your home that, also being said there are people that
think that they can't qualify or they'll never be able
to qualify. For a loan but if you never get
a pre approval or talk to a mortgage broker or
a lender, or a professional you're never going to know
how to get there or what to do. To get
there AND that's where. I come in i offer free
consultations for buyers or future buyers borrowers who want to

(53:34):
know what they have to do to qualify. For a
loan eight three two three one nine nine. Seven seventy
nine and the number again is eight three two three
one nine nine. Seven, seven nine.

Speaker 3 (53:45):
Andrea thanks for, being with us and thank you all
For Listening To real Estate Matters. WITH stuart title i
Am Your host bill Napick Together with John Bramblet, with
stewart insurance all Of Us at Stuart Title. And stewart
insurance we. Appreciate you listening we will see. You next week.
Thanks for listening