Sahar, Anthony & The Real Estate Rat Pack

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Episode Transcript

Speaker 1 (00:01):
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 (00:14):
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 Knabik
and guests open the door to what really matters in owning, buying,
and selling real estate. And now Real Estate Matters with
Steward Title, brought to you by Stuart Insurance, here to inform,

(00:38):
entertainment and inspire.

Speaker 3 (00:40):
Bill Knabek, Welcome to the show. It is Real Estate
Matters with Stuart Title. Thank you for joining us here
for show number five hundred and eighty eight. We're right here.
I'm Bill Napeck, your host, and as always, you could
access the show archives or see this show the video
that's made at Stuart dot Com Forward Slash Radio simply

(01:01):
go to Radio Bill that is the YouTube channel. Once again,
thanks for joining us, and we're going to get started
with a fantastic real estate professional. She is back with us.
Her name is Sahar Katib, the company is Keller Williams. Sahar,
welcome to the show.

Speaker 4 (01:18):
Thank you Belle for having me again.

Speaker 3 (01:19):
How are you doing great? And let's tell people, Sahara,
you've had a fantastic year with Keller Williams helping buyers
and sellers. But first of all, geographically, let's tell people
where you do most of your work here, at least
in the past year.

Speaker 4 (01:33):
It's in the Houston area. I am located in the
sugar Land office, but I do serve everywhere in the
Houston area, all the way from Montgomery to Galveston and
the West side all the way to Katie and then
the East side all the way to Humble. So I
do serve within an hour radius from where.

Speaker 3 (01:52):
I live, and there's just within that hour of the
Sugarland area. There are so many real estate opportunity unities
and so much real estate period. Absolutely, but give us
an idea as far as sugar Land goes. We don't
get to talk about sugar Land a whole lot, but
you're right there every day. Let's tell people. If someone
were to say, hey, so, what's the market like in

(02:14):
sugar Land, how would you describe it?

Speaker 4 (02:16):
I would say, if you're a seller and you're trying
to sell your home. In twenty twenty five, most of
our homes have been on the market between an average
four to six month. In the new construction areas, you're
gonna have to worry a little bit about the builders
and they are giving their incentives, So homes are sitting
a little bit longer unless you price it strategically because

(02:38):
a buyer, in their eyes, if they're walking to your home,
they're gonna want a good deal versus going with a
builder that's offering them a four point ninety nine interest rate.
So you have to learn how the market is to
move faster if you're ready to move from your home.

Speaker 3 (02:54):
And we've heard that about other areas of town too,
where the builders have so many incentives throwing in a
place clients is lower interest rates and things like that.
So that's something to deal with in certain markets.

Speaker 4 (03:05):
Absolutely. I mean, the seller can still give incentive closing costs,
but they cannot offer the lower interest rate. That's the
biggest driver right there. You know, since I work with
both buyers and sellers, the seller can say, hey, you
know what, I'll do this for you. I'll give you
closing costs, I'll offer you a fridge, I'll offer you
all that stuff. But the interest rates, since they are
not a company like a builder with their own lenders,

(03:28):
they cannot bring that package. And it makes a big difference.
In simple language, I say, if you're paying at six
percent six and a half percent interest rate, your interest payment,
chunk of the payment is going to be let's say,
instead of three thousand, you know, it's going to be
five thousand. With the builder, it goes back to three thousands.
So you're saving off the bat every month two thousand dollars.

(03:50):
That's why build. The buyers today are going to the
builders ninety percent of the time instead of going to
a resale. And that's the struggle all around you, not
just in sugar Land.

Speaker 3 (04:01):
And it's a good thing to save money, right.

Speaker 4 (04:04):
One hundred percent. Who doesn't want especially in this today's economy.
You know, everybody is counting the dime because today you
might have it tomorrow, who God knows what's going to happen.
The uncertainty in the economy itself is causing buyers to
make a more sound financial decision.

Speaker 3 (04:20):
Well, that sounds good. Let's tell people also in your
own personal real estate journey, how you even got started
in real estate, because I think you have a pretty
good story.

Speaker 4 (04:28):
So you know, God has his ways. I always say
when I started, it was just an opportunity for me
to practice something part time with my kids' schedule, and
I fell in love with this service business. So I
went full time and I enjoy it today. I never
look back. As we discussed off air, I used to
be a software engineer and that schedule is very tight.

(04:50):
With three kids and a single mom, lifestyle is going
to be rough. So I started real estate. I was like,
I'm going to try and see how it works. And
God put me in the right place. I love to
serve people, I love to help, and just my passion
just came into real estate alive.

Speaker 3 (05:05):
And give us an idea as far as being having
a background in engineering, does it and or how does
it help you in the real estate world. I have
an idea myself, but how does that help you?

Speaker 2 (05:17):
You know?

Speaker 4 (05:18):
It's funny that you ask. It's very corre like there's
a high correlation in real estate. We are always solving
problems and what engineering If you know anything about engineering
is problem solving. So any skill set that you learned
in that field, you brought it up to life. It's
solving different kinds of problem engineering. The way I did

(05:38):
it was software, so solving software problems and fixing them.
Now I'm helping people problem and every real estate transaction
is different and the issues that you come along. If
you're a good problem solver, you'll take the client through
the journey at a minimal stress level that you can.

Speaker 3 (05:58):
Would be safe to say that in real estate and engineering,
there's a lot of little details that we have to
address in any any role in the.

Speaker 4 (06:06):
Transaction one hundred percent. So there is systems in place.
If you are a system kind of person, you're not
going right, you know, randomly through the transaction. It makes
it easier for people to follow you. And most of
the time after we close the deal, especially when I
help first time home buyers, they are overwhelmed when they

(06:26):
come into the purchase and they finish and they's like,
this was easy, you know, because we made it easy.
If you have it not any systematic way it, it
becomes an issue with the buyer and they will hate
their you know, the purchase the whole purchase. But because
we make it easy, they come back or refer as
people and it's a word of mouth.

Speaker 3 (06:45):
And as far as making it easy, that doesn't happen
by accident. It's from your experience, knowledge and also the
feel for the transaction and a lot of times the area,
especially if you're helping a buyer not familiar with the
given area, whether it's sugar Land, k or anywhere else.

Speaker 4 (07:01):
Yes, especially that you know my niche is relocations, and
most of my clients come from out of town, so
they come to the Houston area not knowing where they
want to be. And me being here for the past
what twenty twenty one years I've been in the Houston area.
I've lived around different areas and I tell them, you
know what, give me your lifestyle, give me your goals,

(07:22):
and I will help you and guide you. Not that
I'm picking the area, but at least I expose them
to the areas that are going to meet their lifestyle
or goals to be close to work or kids schools
or stuff like that, and then we narrow it down
from there. So you know, people love when you come
and help guide them with one goal in mind is

(07:43):
to make their life easier in this move.

Speaker 3 (07:45):
During the move, we're talking with Sahara Katigue with Keller
Williams and sahar You have done a fantastic job in
your real estate world, achieving a lot of milestones along
the way. But if you were to advise someone that
might be listening. A lot people listen that either just
got their license or in school, or even we'll call

(08:06):
it youngsters that are inspired sometimes by this show and
other shows or TV shows. What advice would you give
someone that says, well, you know so hard I'm thinking
about being in real estate. What are the qualities at
least two or three that you have found to be
most important to be able to help and serve buyers
and sellers all these many years.

Speaker 4 (08:25):
Number one will be genuine That's the one thing I find.
You have to have a genuine connection with your clients
about you really meaning to help, not just close a
deal and make money. So when you come and help
somebody get through the problem that they're in, solving a

(08:45):
problem which is buying, selling, whatever it is, when you
help them genuinely and it's not looking at the paycheck
at the end of the day, it shows through the
work that you're doing because your heart and your goal
is for that person's best interest, and that is number
one for me. Because money always follows, money always comes,

(09:05):
so create that genuine connection. Number two will be communication.
Have expectations with your clients how you want to run
your business and present that to the people, and stick
with it, be consistent with it. Number three will be negotiation.
Learn how to negotiate. This is something that you go

(09:27):
out to save people money when you're there buying and
to make them money, and that's the value you're going
to bring to them. So these are three things. Focus
on them and you'll do good.

Speaker 3 (09:38):
I like the negotiation part because each one of the
items that you mentioned is a skill. Being genuine hopefully
that comes naturally. But the other two are skills, and
the negotiation is really, I think very interesting, and not
everyone masters the negotiating negotiating or even gets close to mastering.
It's an ongoing thing.

Speaker 4 (09:59):
Yeah, it's experience, but also you have help. There's a
lot of classes out there that you can take to
help put you on the right path. And then of
course with the experience, you're going to get better at
it because you're going to put it into actions. Theory
is only theory, but learn it. Learning The one thing
I found about real estate. It takes you out like
eight classes to get into real estate. Really, it doesn't

(10:21):
prepare you to do the business. So you kind of
are learning as you go when you do transactions. So
as much as you equip yourself other than we're in Texas,
other than what Texas requires you to do. The classes.
Take negotiation classes, take psychology of negotiation, do all that,
so when you get there, you kind of hit the
ground running.

Speaker 3 (10:41):
Twenty twenty five was an interesting year for a lot
of real estate agents. Some say, hey, it was my
best year. How is looking back? How is your twenty
twenty five?

Speaker 4 (10:51):
How would you tell people twenty twenty five has been
a challenging year. I think not transaction wise, we did well.
It's more of the certainty that people are going through
this year, from economy, to politics, to everything that's going
on in the world and on the news, has had
made people very reluctant to pull the trigger on their moves,

(11:15):
you know. So I would say that's the only challenge
that has been a parent. You will work, if you
do a good job, you will work in any in
any you know, in any year. There's always people moving,
there's always people buying. It's just the reluctancy and the
hesitation in people's mind if they're doing the right decision,

(11:36):
and we can't guide them, like you can't come to
tell somebody if they're thinking, next year is the house
price is going to go down? Me and you we
don't know. You know, we can't tell them, Oh no,
they're not gonna go down. Listen to the news. We
have a crash. We don't know, we don't have a
crystal ball, we don't know. So you have to guide
them and bring them back to their goal. Do you

(11:57):
really need a house? Do you need to upgrade?

Speaker 5 (12:00):
You need to move?

Speaker 4 (12:01):
And that's where the answer comes from. You know, block
the news and then focus on the goal. If it's
the right time for you, there's always going to be
a place I think just you know, it's the holidays.
I wish everybody that you know take this time to
reflect and think of twenty twenty six. It's going to
be the best year ever, however it comes, it's going
to always be the best year because we're always learning

(12:23):
to be better.

Speaker 3 (12:24):
So harr, let's tell people how they can reach you.

Speaker 4 (12:27):
My phone number is eight three two six three zero
five zero two zero, or you can email me at
Sahar Katib at kW dot com. My full name at
kW dot com. My phone number is eight three two
six three zero five zero two zero.

Speaker 3 (12:45):
So har thanks for being with us.

Speaker 4 (12:46):
Thank you for having me again, Belle, Happy holidays.

Speaker 3 (12:49):
As we continue, let's talk to Anthony fam. His company
is Stacey and Co. Anthony. Welcome to the show.

Speaker 5 (12:57):
Hey, thanks for having me. I appreciate you having me
out with that.

Speaker 3 (13:00):
It's good to see Anthony. Let's tell people about the
company that you are a part of. It's called Stacy
and Co.

Speaker 5 (13:05):
Yes, correct, I'm an agent for Staceyanco. We're a small brokerage.
We currently operate in the Sugarland and Missouri City area,
but we go all around Houston. I recently moved up
to Spring, so I started my business up there, and let's.

Speaker 3 (13:19):
Give it people an idea as far as the market. Now,
when you say Spring, let's tell people, especially those that
are not in the Houston area, let's tell people about Spring.

Speaker 6 (13:28):
Yep.

Speaker 5 (13:28):
So the main reason why I moved up to Spring
is because there's a lot of new developments up there.
There's been a lot of different universities that have been
being built, a lot of centers for retail, and there's
not really that much new real estate in the Houston
area well meaning like Sugarland or the Missouri City. Mostly

(13:50):
that is just resale. So most of the people that
are looking for a newer build, they're moving up to spring.

Speaker 3 (13:56):
And when we look back again twenty twenty five year
for all of us, how was your twenty twenty five
how would you describe it?

Speaker 5 (14:04):
Honestly, it was it was challenging. It was really hard
to adapt with the times because right now with social media,
there's just a lot of people asking so many different questions.
And that's one of the main reasons why I use
social media is to you know, kind of educate first

(14:26):
time home buyers on you know, different tips and also
the headspace in buying house.

Speaker 3 (14:32):
And when we think about social media, there's so many
different ways to use it in different platforms. What are
the platforms that you like to use and or get
the most results.

Speaker 5 (14:41):
So I am really active on Instagram, but with Instagram
you can cross post on Facebook. So those are the
two social media platforms on the most active on.

Speaker 3 (14:50):
And when you post on say Instagram. What are the
things that you find bring you the results? What are
you posting on there?

Speaker 5 (14:57):
Well, it's for Instagram and Facebook. I usually do short
form content or I do walk throughs of the new
bills that I was talking about in Spring, Texas, And
it's just about giving first time to me, giving first
time home buyers more exposure on what's really out there
compared to the resale market, and tips and tricks on

(15:18):
the mindset and how to attack it. Because most of
my clientele is those that are renting and they're transitioning
into their first home, so they might not know anything
about PMI, they might not know much about what a
down payment is or the types of programs out there
that are available.

Speaker 3 (15:35):
So it sounds like you're helping a lot of the
first time buyers and in doing so, how do they
find you or how do you find them to be
able to help them with this very important purchase.

Speaker 5 (15:45):
Sure, so I target a lot of my content to
a certain demographic. I niche down So most of the
people I work with are kind of like fresh out
of college or their young professionals. I go out to
universities or you know, community events, table there and talk
about real estate and answer any questions. Kind of like

(16:07):
a facilitating open dialogue between you know, me and the public.

Speaker 3 (16:12):
Sounds pretty good first time we've heard that. So you
actually go to the universities, let people know who you
are and promote your business, but also at the same
time you're helping them with the potential real estate transaction.

Speaker 5 (16:24):
Correct, Yes, there you go.

Speaker 3 (16:26):
Do you have a patent on that, Anthony, No, I
mean not at all, not at all. I think I
might be working on that. We're talking with Anthony fam
he is with staceyan Co And like, right now, Anthony,
are you helping more buyers or more sellers?

Speaker 5 (16:39):
As of right now, I'm helping more buyers. My sellers.
They are kind of you know, pulling out of the
market right now. Recently, HR released their like an overview
of the activity for the past week, and it seems
that a lot of sellers are pulling out the market
as well. But there is you know, a lot of

(17:01):
open houses going on. So I mean, even though the
market is slowing down, people are pulling out of the market.
I'd say that buyers do have more of a choice
now because there's just so much inventory.

Speaker 3 (17:14):
And when you're helping buyers. You mentioned the first time buyers,
of course, but also outside of first time buyers, you're
helping other people around along the way, yes, correct, Yeah,
And how often are you helping people that might be say,
out of the state or out of the city.

Speaker 5 (17:29):
Quite frequently actually, you know, since the overall cost of
living is a lot lower, a lot of people from
New York, North Carolina, California I've seen have been moving
here and I've been helping them relocate into a lease,
and then they're trying to see how the market is
going to be in the early twenty twenty six and

(17:50):
go from there.

Speaker 3 (17:52):
And both New York and California are relatively far on
different ends of the country. What do you find, if
any common denominator as far as reasons why they might
be coming here from those far away places.

Speaker 5 (18:06):
Honestly, it's just the overall cost of living. I mean,
gas is definitely a lot cheaper here I think right now, yeah,
two thousand and three cents per gallon. I mean over
in California it's like near five or six or even more.
And it's the overall value of the market, I mean,
the median home price or average home price for a
single family home is around a four hundred, four hundred

(18:28):
and fifty thousand in most areas right now, So for
that same build in you know, say New York and California,
it could be double the price, so.

Speaker 3 (18:36):
At least yeah, yeah, well, and also as far as
the how do they find you that far away? And
both of them again New York kind of far in
California and also both completely different types of markets. How
do they find you?

Speaker 5 (18:50):
Mostly from my social media videos? Like I said, I
do a lot of walkthroughs of the new bills that
are available, and you know the price of them is
very enticing, so they just reach out to me or
if they're a first time home buyer or transitioning, I
do a lot of educational videos about the home buying
process and the mindset to you know, buy a home,

(19:11):
and that's how they find me and reach out.

Speaker 3 (19:13):
You've got some good marketing skills. It sounds like that
are paying off.

Speaker 5 (19:16):
Oh, thank you appreciate it. It's mostly Instagram and Facebook,
but I will start transitioning over to YouTube soon. As
of right now, more focused on the short form content
because you know, nowadays people's attention spans are really short,
and so you know, I kind of I guess bank
off that will market off of that. Yeah, with you know,
real estate, I think that people are more inclined to

(19:37):
watch a short, thirty second video rather than just sit
down and you know, watch a thirty minute video. I mean,
nowadays people don't have the attention span and also they
just don't have the time to do those things anymore
from what I've seen.

Speaker 3 (19:51):
Other than this type of marketing with social media? What
about the open house? Do you find the open house
is a good way to promote what you're doing?

Speaker 5 (19:59):
It is so I do open houses here and there,
but I think it really depends on the area. I mean,
some areas are more hot than others. Recently, I did
an open house in the Memorial area and that specific
area was really really popular and that neighborhood had a
lot of an inventory on the market. But you know,

(20:20):
I also have a listening all the way out in Emberley, Texas.
Not really a lot of people know about that, but
that area it's pretty slow, so having an open house
out there wouldn't really be you.

Speaker 7 (20:32):
Know kind of you know, and as you say, Amberley, Yeah, Emberly,
where is that? Oh, it's a way like an hour
past Rosenberg, Texas, so way way out there as well.

Speaker 3 (20:43):
Now that's one of the unique things. I guess, like Houston,
there still are areas where there's some wide open spaces.

Speaker 5 (20:49):
Correct, there's always a place to live if you you
don't want to find a place.

Speaker 3 (20:53):
And Anthony, at the very beginning, when you start at
real estate, what was the thing that attracted you to
even be in real estate?

Speaker 5 (21:00):
Honestly, it's it was the people aspect. So I, you know,
grew up. I recently was a operations manager for a
nonprofit here in Houston, and I've kind of had that
a service aspect to you know, my life of volunteering
and my family was in real estate. That's kind of
like the start of everything. I was just interested, reached

(21:22):
out and here I am. I'm not with my family anymore.
I'm with a Stacey and co. But that that was
pretty much the jump start of my career.

Speaker 6 (21:30):
And here we are.

Speaker 3 (21:31):
We're the last couple of weeks of the year. And
as you plan for twenty or have planned for twenty
twenty six, what are some of the things Is there
anything you're focusing on specifically for the new year.

Speaker 5 (21:41):
I'm focusing more on in person outreach because I think
that you know, a lot of people are chronically online
and I already do information videos like that, but I
kind of missed that in person aspect. So I plan
to go out to a lot of universities also community
events and table there and just you know, facilitate that

(22:02):
open dialogue, like I said, because there's a lot of
people that have questions, and I think as real estate professionals,
we have to be beacons of knowledge and meet people
where they are.

Speaker 3 (22:13):
And Anthony, when you're not doing your real estate work
helping buyers and sellers, what do you do in your
free time for fun? If you have any free time?

Speaker 5 (22:21):
That is, I'm currently working on a eighty nine Corvette
recently converted into a carburetor. I would like working on cars.
I do volunteering work. That's pretty much what I do
in my free time if I have free time.

Speaker 3 (22:33):
An eighty nine Corvette. Yes, sir man. The Corvettes are
such classic cars, heartbeat of Americas. With each and every year,
I can't picture the eighty nine, Anthony. Before we close
the segment, what else you want people to know?

Speaker 5 (22:46):
What I want people to know is you know if
you have any questions at all. There are no stupid questions.
Reach out to your local real estate asient and find
as much information as you can. The more you build
yourself up in, you know, the mindset of buying a house.
The more information you take in, the more confident you
will be.

Speaker 3 (23:05):
And reach out to Anthony fam Yes, sir Anthony, how
can people reach you?

Speaker 5 (23:09):
So? My phone number is seven one three four zero
nine two three one six, and my Instagram and Facebook
candle is Anthony dot Realtory TX. Seven one three four
zero nine two three one six.

Speaker 3 (23:22):
Anthony, Thanks for being with us, Thanks for having me. Well.
As we move along, we have two guys here on
the show that are friends, but also they are also
friends of KPRC. They just joined the team with real
Estate Radio providing information on Saturdays from eight till nine am.
They have a show called The Real Estate rat Back

(23:44):
and it is two guys. Chris Kelso with a company
called Rate. He is a mortgage expert. In addition Rob Cook,
he's known as the godfather of real estate. In addition,
he's just all over the real estate world. Also a
tremendous educator. Gentlemen, and welcome to the show.

Speaker 6 (24:00):
Well, thank you for having us back on.

Speaker 8 (24:02):
Thank you very much. Be able to look forward to
it as always.

Speaker 3 (24:04):
Well, here we are. So we've already told people about
your show that they can hear every Saturday morning, which
is great. I've already heard the first two editions eight
am to nine. You're bringing information, you're bringing great guests,
will be bringing a lot of great guests here the
coming year and the coming show. So first of all, Rob,
let's tell people what you're doing, and then a little

(24:24):
bit about the real estate rat pack.

Speaker 6 (24:26):
Well, what I do. I primarily do CE classes, which
is continuing education.

Speaker 3 (24:30):
And we all need that.

Speaker 6 (24:32):
Everybody. Well, you can't have enough education because if everybody
can remember, your life changed in August seventeenth of twenty
twenty four when we started changing all our contracts and
we've had to relearn it. They're changing again.

Speaker 3 (24:46):
So and you're out there and we talk about CE classes.
So many people do them. In fact, in this room,
a lot of educators are.

Speaker 6 (24:53):
They want the room. They don't have a charge if
they want to keep practice in real estate, that's right.

Speaker 3 (24:57):
It's a necessary thing. But you're doing that all over
for different organizations like Stuart Tide Up for Stuart and
everybody else. You know, I was talking to Chris. I
was talking to Rob before you got here, and I
called him. I said, I wonder when Rob's gonna be here.
I was thinking I was talking to you, So I
came up with the term two robs don't make a right.

Speaker 8 (25:17):
That is correct. I would absolutely agree with you.

Speaker 6 (25:18):
By the way, you'd like that.

Speaker 9 (25:20):
Robb's one who actually keeps me on track a lot time. So,
to be honest with you, he's like, hey, don't forget
su let's to be at the radio show and all
when today though.

Speaker 8 (25:26):
Yeah, and he was like he was like thirty minutes ago.

Speaker 6 (25:28):
Yeah.

Speaker 3 (25:29):
So in the meantime, but you're in the mortgage world, Chris,
as well as being part of the real estate rap pack.
But in the mortgage world, people are always so rate conscious,
in fact, that it seems sometimes the idea of what's
the rate, what's the rate gonna be this guy's gonna
talk about lowering the rate. It seems like that almost
overshadows the whole darn thing.

Speaker 9 (25:46):
Well, you know it does. Unfortunately, I would say this
is we ruined our own market. In twenty twenty and
twenty one, in parts twenty two when the rates went
down to two two and a half three percent, right,
we had this massive acceleration. We had rates that went
down artificially low, and the government unfortunately took way too
long to get us out of that. And that was
all because of the mortiye back securities market. The reality is,
individuals don't buy a home because of rates. They buy

(26:08):
home because of lifestyle changes. They're moving up, they're moving
down there, they're empty nesters, they're young, they're buying investment properties,
they're buying properties are going to live in the future,
you know, university, whatever it might be right there. So
the reality is is that lifestyle still is what is
driving forward the purchase and the acquisition of real estate
in today's market. Now, there's gonna be plenty of refinance
opportunities because rates are going to be coming down over

(26:30):
twenty twenty six and beyond. But the reality is is
that we're still in the strongest market in the United States.
I think you and I talk about this, Rob If
I'm not mistaken, Houston does more business than thirty eight
states combined.

Speaker 6 (26:39):
Thirty three states. That's thirty game of the Texas rotates.

Speaker 9 (26:42):
Thirty three states combined and Houston still this year is
going to end up a little under fifty billion dollars
worth the real estate transactions. So if you're not doing
business here in Houston, and if you're an agent or
you were a loan officer, Rob and I talk about
this all the time.

Speaker 8 (26:55):
Look to your left, look to your right. That's taking
your business right.

Speaker 9 (26:59):
Rates are not a defined factor at the end of
the day, and rates are still very good. I've been
quoting rates all this year in the fives and I
just got off the phone with an individual who is
moving over to our company who originates to a different company,
because we are also one of the most aggressive companies
when it comes to rate. Affordability has a lot of
different factors to it, right. One of them's rate, one
of them is the price of the home, one of
them's taxes and insurance, and all those factors have been

(27:21):
impacted over the past couple of years. Insurance, for example,
right now, unfortunately, is a big factory individuals have to
look at.

Speaker 8 (27:27):
But it's a combination of factors.

Speaker 9 (27:28):
What's your rate at at what's your acquisition At the
end of the day, it's still going to be better
to own a home over the lifetime of that span
than it is to rent.

Speaker 8 (27:37):
I can always tell you that.

Speaker 9 (27:38):
And the reason why is at the end of thirty
years when I'm renting, I still have to rent then
for the next ten years after that. At the end
of thirty years on a thirty year fixed mortgage, if
I bought my home, I have a home that's paid
free and clear. And guess what I also have. I've
got a lot of availability to be able to have
equity into a property that I can then use to
pass down to future generations. So the reality is home
ownership is still what it is, and we're in a

(27:58):
great market right now to be able to quite.

Speaker 3 (28:00):
The company name that you work with is called Rate.

Speaker 9 (28:03):
Easy to remember, we'll get yeah, well that is correct.
So we were known for as Guaranteed Rate for twenty
five years and at the beginning of this year we
moved our name to Rate Now. Our email has always
been rate dot com. The big reason why we moved it,
believe were now twenty five years we realized that individuals
couldn't spell guaranteed. We had Guaranteed registered in like fifty
thousand different ways, right, and so we figured it was

(28:25):
number one. Let's go ahead and keep the simplicity of
rate around. But number two is from marketing perspective, it's
a lot easier just to say rate than is to
say guaranteed rate. And the other side of things is
that we tell our aboudy what we do is in
our name, we guarantee to provide a great rate for
anybody who's looking at refinancing, buying, buying an investment property.
We have every product, every service, but more importantly is

(28:48):
it's the creating of a raving fan that we do
every single day.

Speaker 3 (28:52):
Most people can spell rate right.

Speaker 9 (28:54):
Everyone can, hopefully and hopefully. And I actually did a
funny GPT chat GBT thing the other day. I asked
them to make me a song and I use the
word rate because you know, Spanish is my first language,
and it said rat and I was like, oh my god,
that's hilarious. So he was spelled rate correctly, but they
pronounced it differently.

Speaker 3 (29:10):
Well, Robson, what are some of the things as you here?
You are you already had two at the time of
this airing of this show, you'll have three real estate
rat pack shows on kPr C under your belt. And
I know you spend a lot of time envisioning what
am I going to do? You're starting fresh again with
the show, so you can try some new things out.

Speaker 6 (29:28):
What are some of the things you're thinking about? Something
we want to talk about a topical things. We've probably
a lot of politicians on our past show. You know,
politics and real estate go hand in hand. And we
have a great saying for the PREPAC group, which is
take this real Estate Political Action Committee. If you're not
at the table, you're on the menu. And so we
through the eighty ninth legislature, we had a lot of

(29:49):
good things come out of that. If you went and
voted in November, you know that we voted on one
hundred and forty thousand dollars for homesteed exemption and two
hundred thousand and four seniors. So that's kind of stuff
that we want to talk about. It's that thing that
the trends are going on right now. We have a
little downturn this month. It's a slight downturn, but we
had a little uptick in prices is about point eight percent,

(30:12):
and so we're gonna be talking a lot about stats.
What's to take and we always say, you know, higher
people like Sahara and Anthony because they know they're local markets.
It's not just Houston's a local market, but we actually
work in micro markets because there.

Speaker 3 (30:28):
Are so many different little nuances in little.

Speaker 6 (30:30):
What's happening in the spring in the woodlands is not
what's happening in shuggle Land. What's happen in Shuggerlands. Now
what's happening out in Katie. So you got to know,
you've got to be with something. And by the way,
listen to your realter. Now know Fred down the streets
sold their house and they told you they sold it
for about, you know, ten thousand dollars more than they
actually could yet, but price it right, and right now
it's going to have to.

Speaker 3 (30:50):
Be priced right to the facts right, because there's a
lot of hearsay out there.

Speaker 6 (30:53):
Rob, listen to your professional that's that's I can't impress
that enough. And you know, I trained probably about ten
to twelve thousand students a year, and the one thing
I want them to be is more professional. And of
course you know how we're on a be kind tour
and so.

Speaker 8 (31:10):
With kind, be kind, be kind.

Speaker 6 (31:13):
You can't believe what a difference that makes. And sometimes
it's a nerve wracking industry it can be, and so
a lot of times I see people get a little
heated in the transaction negotiations and it doesn't serve our
clients to do that. Just you know, be professional, be kind,
know your markets. And we're at a five months supply

(31:34):
of home for all of Houston. That's a balanced market.
It's a good market. It's a good market. And then
you I just read the article that two hundred and
fifty thousand people moved from California to Texas. So they're
they're losing population, we're gaining the population.

Speaker 3 (31:51):
We're talking with Rob Cook and Chris kelso together they
are the real estate rat pack. Individually, they're individuals. Chris
tell us some more about looking ahead and also the
kinds of loans, because when we talk to mortgage people
here on the show, it seems like some are focusing
on this little nuance of a type of loan. Give
us an idea of your menu of the loans.

Speaker 9 (32:12):
Well Rate is the largest retail lender in the nation,
So when it comes to a menu of loans or
r A te very good it is. We have probably
every loan possible. I mean, if you're a self employed
need to do a bank statement loan, we have it.
If you're a foreign national im loan, we have it
all written in the house, by the way. If you're
a ten on the nine employee, we have it traditional

(32:33):
stuff as well, FHA and VA and conventional if you
need some. If you need some commercial lending, we do
commercial lending. If you have a fix and flip, we
have commercial We have fix and flip. If you have
a renovation loan, we do renovation lending and construction lending
for new homes. So there's really nothing that we don't have.
What I would say is the reality of what we've done,
which I think is really cool, is for example, when

(32:54):
a reverse mortgage client comes in, I know reverse mortgage
very well, but I have a whole group that's focused
in on reverse mortgage. I will actually have my reverse
mortgage team handle that. So the one thing that we
do also is when you come to an individual who
works at our group, we're going to put you at
the right professional based on the right program. Now, most
of the time, our loan officers are very well versed
in all programs. But the great thing is is we

(33:16):
have some specializations even within there, so you can come
to me and say, hey, Chris, I want to do
a reverse mortgage, or I'm going to do a construction loan.
I'm going to probably pass that off to one of
my teammates who does it better than I do. And
the only reason why I do that is I'm a
big believer. Robin and I talk about this all the time.
Is competency, Right, We train everybody about competency, and so
one of the things that we do we practice it
as well. Where am I really good at? My favorite

(33:37):
loan in the world is a VA loan. Absolutely, there's
nothing better than VA lending, period.

Speaker 8 (33:41):
End of story.

Speaker 9 (33:42):
Our veterans, by the way, for everybody out there, thank
you very much for serving. We wouldn't go to do
this radio show if it wasn't for our veterans. But
I love VIA lending, I love FAHA lending, I love
down payment assistance, t shack and TDHDA and SETH and
so there's really nothing that we don't have. But I
also know that the areas that I really like to
focus in on my jump side of things. For example,
my doctor's loans are incredible, and so there's so many

(34:04):
products out there. I know them all. That's why they
call me the Maestro mortgage. But more importantly, I try
to focus in on the ones that I know I
can really be impactful in the market.

Speaker 3 (34:12):
And that's one of the other things. In addition to
the great things your company is providing in the tools,
your experience is far and wide, so you're able to
help people, I think an in an extra special way.
Rob Let's tell people if they want to reach you,
what should they do?

Speaker 6 (34:27):
They can reach me at two eight one five four
to three zero five two seven once again two eight
one five four to three zero five two seven.

Speaker 3 (34:36):
And Chris, how can people reach you?

Speaker 9 (34:38):
You can reach me anytime at seven one three two
five six nine one three eight Again that's seven one
three two five six nine one three eight. Or you
can go out to my website. You can go to
rate dot com, forward slash Chris Kelso altogether has my
application out there as my digital business card and all
the products and services that we offer.

Speaker 3 (34:57):
And of course people can tune into the Real estate
rat pack every Saturday at eight a m. What a
great drive time that is right here on AM nine
to fifty KPRC.

Speaker 9 (35:06):
That is correct every Saturday morning. And if you have
someone you want to be on the show and you
want to talk about something. We also have done this
in the past. We invite all of our listeners, Hey,
give us a call. We answer our phone all the time.
If there's something you want to talk about on the
air that you're very very interested in, are more importantly
passionate about.

Speaker 8 (35:22):
We talked about this.

Speaker 9 (35:23):
We've found some great stuff that we've done rob in
the past in regards to raising funds. For example, for
the Depelch's Children's Center. We got a listener one time
who donated one thousand dollars because he wanted to do
something very nice for the children. So if you're out
there and you're listening and you want to be on
one of these radio shows, give us a call. You know,
we definitely want to be able to promote you. The
numbergin is seven one three, two, five, six, nine one three.

Speaker 3 (35:46):
Eight two rops. Don't make her right? That is correct,
something like that. Thank you, guys, Thanks a lot, Belle
appreciate it. Real Estate Matters with Stewart's title would not
be possible without our partner, Stewart Insurance, with a focus
in real estate and a special focus on real estate brokers.
Stewart Insurance creates insurance plans to address the risk facing
our industry today. They invest a significant amount of time

(36:09):
helping real estate broker owners offset and manage their risks.
Here he is with Stuart Insurance, John Bramlett once again, John,
how do you bill here?

Speaker 6 (36:19):
We are.

Speaker 3 (36:20):
Rolling right along, finishing out the year and looking ahead.

Speaker 10 (36:24):
Yes, it's going to be exciting twenty twenty six, and
it's been a great twenty twenty five on real estate matters.

Speaker 3 (36:29):
You know, all the things that I think about, the
professional aspects of what we do, hopefully touching lies. I
got to tell you I'm thinking about Featherfest two in April.
I want to do the bird watching event for the
first time in my life.

Speaker 10 (36:41):
It's a lot of fun.

Speaker 6 (36:42):
You'll enjoy it.

Speaker 10 (36:42):
To talk a little bit about concerns that folks have,
because there are concerns about personal insurance and it's more
than just cost. So there are six that are out
there that we see on a consistent basis, and there
maybe some things that can be done to minimize those
concerns or offset those concerns. So a lot of times,

(37:04):
the main one that will come across if you really
get a feel for what's bothering people is this idea
of what am I actually got covered? That nobody has
really explained to me what my coverage is, because they
can be policies can be complex and the language can

(37:25):
be difficult to understand. Uh, And you're gonna have exclusions
in a policy. You're going to have sublimits in a policy.
There's going to be conditions in the policy, and if
you truly don't have somebody to explain those, that can
be you know, a challenge that you know, we're making
decisions many times based on price and not coverage, so
at least we don't understand what that clarity is, so

(37:46):
that can be you know, that can be a concern.
And then does the policy keep up with my life?
You know, I've you know, we've talked a lot today
about you know, life changes and that drives real estate
many cases, that also drives insurance. So what are some
of the life changes? So that's the first one that
we really do come across as this idea of why
do I actually have covered? The second one is affordability,

(38:10):
that there's a there's a feeling that that the the
coverage is more expensive, but there's not the value there
so you know, not understanding how inflation comes into the
establishment of a premium, not understanding how the rebuild costs
or the cost of replace comes into the play, the
fact that we've had carrier pullbacks, We've had carriers, you know,

(38:32):
insurance companies that move into the market and move out
of the market, and it's not just the greater use
scenario but all over the US, and working with somebody
that can explain what that means and how that can affect,
you know, the affordability. There's some uncertainty around claims, So
how does that process work? You know, I just I
know I'm going to get delayed or I know that

(38:54):
the insurance companies are gonna uh, they're going to push
it out as long as they can, or they're going
to say no. And it's really just you know, walking
through or getting through those stories that you might hear,
and then let's understand how a claim comes about. Let's
understand what those triggers are that where coverage would come

(39:14):
into play, and then have somebody that can guide you
along the way.

Speaker 6 (39:18):
So you know that that idea.

Speaker 10 (39:21):
Of a claim and it not being processed is a concern,
and in many cases that's a misnomer, but it's a
matter of understanding how you need to follow that process
in order to file a claim. We talked a little
bit earlier about keeping up with life changes. We add
a driver, we take a driver away, we have a
team driver, we have a new vehicle week, you know,

(39:41):
we add onto our home. There are all different types
of life changes, and and that's going to drive the
type of coverage that we need to have or need
to adapt to. You know, we you know, we talked
earlier about downsizing. Anthony mentioned that, so you know, if
we have to downsize, you know, again, that's going to
be a change in what type of coverage you'd want
to take a look at.

Speaker 3 (40:01):
Kind of all this together.

Speaker 10 (40:03):
Number five is trust and transparency. Do I trust the
company that I'm working with? Do I have comfort with
the advisor that I'm working with? Have they truly given
me a policy, built me a policy, or built me
a plan or are they just selling me a policy?
Have they taken the time to understand what my risk
concerns are? Am I risk averse? Am I more interested

(40:26):
in it? Maybe self insuring, but truly taking the time
to understand that can truly make a difference, and then
you truly are transparent about this is what you do
have covered in which you don't have covered. And you know, Bill,
we talk about it all the time, but that in
the sense is properly insured. That if somebody is aware
of what they do and don't have from a coverage perspective,

(40:46):
and they're comfortable with that at this point in their
life or the business's point in its business life, you know,
then somebody is properly insured. And then I guess the
last thing would be just kind of what if scenarios,
So having somebody there to help you out, what if
this does happen, What if my house does flood? What
if I do need to use my flood insurance? What

(41:06):
if I do have a water main brake? What if
somebody hits my car that's uninsured? Having somebody that can
walk you through those considerations are critical. So those are
kind of the six areas that we see what's happening.
And I think there's some things if you're looking for
an insurance advisor, UH and you want to avoid those

(41:29):
six areas of concern or maybe minimize the chance that
those are a problem for you, There's some things you
need to look for in an advert and advisor. So
somebody that takes that language of a policy and puts
it in English, so that you understand what a sublement is,
you understand what the conditions are, You understand what depreciation means.

(41:49):
Having somebody that can show you the pros and cons
of So if you have a higher premium, what does
that mean, if you have a lower deductibles, what does
that mean?

Speaker 6 (42:00):
You know?

Speaker 10 (42:01):
Do is it replacement costs versus actual cash value? Being
able to define those in understandable terms, and then what
does that mean from a coverage perspective? You know is critical?
Are you working with somebody that's willing to shop policies,
so you've got somebody that has the opportunity to look
at a variety of insurance companies to make a decision,

(42:23):
versus simply saying this is what I got to order,
Let me sell you a policy, and I'm going to
move on to the next person. Truly, having somebody that says,
based upon what your needs are, Bill, We're going to
look at several different companies and come back with a
recommendation that bait that meet best meets your needs. You know,
right now, somebody that's your advocate both you know, before
a claim and during the claim process is always critical.

(42:46):
Somebody that's willing to spend some time with you on
a regular basis, what's going on, what's changed. You mentioned
early on this year Bill that you were thinking about
buying another home, So have you done, so, let's talk
about that. Let's talk about coverage. Oh, are you ready
to buy that third let's talk about that. Oh, your
kids ready to start driving, Let's talk about that. So
having somebody have that discussion on a regular basis can

(43:08):
truly truly make a difference. And then really the bottom
line is educating on not just what you've bought, but
why you've bought it, why it's important, why you need
to consider it.

Speaker 3 (43:20):
One of the beauties of Stuart Insurance is a human
answers the phone. And it's hard to find that these
days and often maddening when you're trying to reach someone
or make an appointment or find out information and you
have to go through all the barriers. The beauty is
at Stuart Insurance, an actual human being is happy to
hear from you and they answer the phone. That's awesome, John,

(43:41):
And it's a little thing, but it's a big thing
in this day and age.

Speaker 6 (43:44):
Well it is.

Speaker 10 (43:45):
I mean our president Tom Carpenteer's with us here today,
and Tom always says, as long as he's running the company,
we'll have somebody answering the phone. And it does make
a difference. And Amber, who answers the phone for us,
if it's two rings, that's slow for her, I mean
she is really quick. We get you connected with the
advisor of the service person you need as quickly as possible.

(44:08):
If they're busy helping another client, they'll be responding again
later that day, so that responsiveness is critical.

Speaker 6 (44:15):
I was at.

Speaker 10 (44:17):
At a conference from the Texas Mortgage Banker's Association in
October and Austin and one of the speakers talked about
how significant his home insurance increased. So I was reaching
out to him to see how I could help him out.
I literally spent fifteen minutes on two phone calls trying
to reach his company, and all I could get was
one service person and they didn't even he's the chairman

(44:37):
of the company and they didn't know his name. Well,
if you would like to be properly insured, if you
would like to be able to work with somebody, so
some of these mysteries, these concerns that we all have
when it comes to personal insurance. Work with somebody that
can demystify it, that can define it for you in
a way that's understandable, so that you truly understand what

(44:58):
you do and don't have and what those ramifications could be.
Then you know, I would hope you'd give Stuart Insurance
an opportunity. You can reach us at eight sixty six
seven ninety eight two eight two seven. That's eight sixty
six seven ninet eight two eight two seven. You can
learn more about us at Steuart Insurance dot com or
email us at Stewart Insurance at Stuart dot com.

Speaker 3 (45:17):
Helping people all over the United States simply by calling.

Speaker 10 (45:21):
Eight six six seven nine eight two eight two seven.

Speaker 3 (45:24):
And I understand, John, twenty twenty six is the year
of being properly insured. I forth the decree right now.

Speaker 10 (45:31):
Thank you speak that into existence.

Speaker 3 (45:32):
I appreciate that, Bill, John, Thanks for being with us.

Speaker 6 (45:34):
Always a pleasure.

Speaker 3 (45:36):
Kevin Davidson doing tremendous work in Sugarland, Texas and Fort Bend.
That's awesome. Well, Kevin, let's tell people about your two
offices because the ESCER officers there and yourself. You're doing
tremendous work helping the real estate community in a tremendous way.

Speaker 6 (45:51):
Yeah.

Speaker 11 (45:51):
So I represent the Stuart Titter Shirland office and the
Richmond office, and between the two offices, I have five
escer officers with over one hundred years combined experience in Title,
and one of the scropsters in the Shirland office speaks
four languages, English, Spanish, Vietnamese and Chinese, so.

Speaker 3 (46:14):
It's a lot.

Speaker 11 (46:15):
She can pretty much talk to you in any language.

Speaker 3 (46:19):
You know. I can be silent in seven languages.

Speaker 6 (46:21):
You know what.

Speaker 11 (46:22):
I'm still trying to perfect that from myself.

Speaker 3 (46:23):
I'm trying to perfect English, there's no doubt about it. Well, Kevin,
you always have a lot of things. I know you're
a planner. As well. As far as things coming up
in twenty twenty six, I bet your schedule is already.

Speaker 11 (46:35):
My first quarters already already fill out with classes that
I teach in events. Just one that's coming up real
early in the year is January eighth. We're doing a
appreciation of our client's barbecue. Stuart Title has its own
rolling mobile barbecue pit, and Max is bringing it to

(46:57):
the Richmond office on January eighth, from eleven to two.
So you know I'll be at that one Yeshire Glenaria
and you're a client of mine or want to be
come on Bible feed you for free.

Speaker 3 (47:07):
Kevin. Let's tell people how they can reach you.

Speaker 11 (47:10):
E three two sixty five four zero five two seven. Again,
that's a three to two six' five four zero five
two Seven Kevin.

Speaker 3 (47:19):
Davidson thank, You, kevin thank. You and Now Sahara kitibe
is back with a final. Word, sahara welcome, Back thank You.
Bell well here you are, Again Keller. Williams Sahara kitib
doing tremendous work out. There what would you like people
to know before we close the?

Speaker 4 (47:35):
SHOW i think before this show we touched a little
bit about. It if you are ready to make the
move in the twenty twenty, six ignore all the noise
around you and think about why are you, moving and
don't look at anything that people are talking. About there
is always going to be interest, rates, fluctuating prices going
up and. Down but if you're ready to, move there's

(47:56):
always going to be a home for. You on the long,
run it's going to be a best investment you'll.

Speaker 6 (48:00):
Do and that's.

Speaker 3 (48:01):
Right that's a good point because there is, noise and
sometimes it's hard to discern what's the right thing to
listen to and to soak. In and then some of,
it like you, said just. Noise, yeah it's just.

Speaker 4 (48:14):
Noise focus on your goals and ignore all the noise
and find somebody that can help. You there's always good
professionals out. There i'm not the only, one but there's
a connection that you can develop with. Somebody if you
trust that, person he's going to do a good job for.

Speaker 3 (48:27):
You what would you do sohar here you, are you're
a license realtor In. Texas but let's say you wanted
to buy a home IN i don't just pick a
State indiana and you don't have a license. There but
knowing what you, know looking for that real estate agent
in another, state what would be the top two things
you want to make sure that they have to serve
you a realtor one hundred.

Speaker 4 (48:46):
Percent SO i don't know if we talked about this
in the. Past my niche is, Referral So i'm connected
with about three thousand agents all across THE us And
canada And. Mexico so if you're looking for an agent
in another. State either connect with somebody that has, connections
or find somebody that you can read reviews from clients
and see their previous work and do they match what

(49:09):
you want to, Do like if they focus on investments
on first time home, buyers veterans wherever they, are and you,
know interview a couple of them and see who you're
going to develop a trust and a connection. With so
you can reach me AT a three two six three
zero five zero two. Zero so my phone number IS
a three two six three zero five zero two.

Speaker 3 (49:32):
Zero anthony fam With stacy and. Co, Well, anthony here
we are closing the show. Down what else do you
want people to know about what you're doing and how
you can help.

Speaker 5 (49:42):
Them the last THING i want to say is it's
not really about, me but more so about the. Mindset
regardless if you feel ready or, Not it's never too
early to find more information about the market as well as, buying,
selling or transitioning. OVER i Think Chris kelso said something
that you, KNOW i guess we can all echo, here
like it doesn't really matter what the rate, is it

(50:03):
doesn't really matter what the market condition. Is if you
feel like you're ready or if you're trying to find,
information just go ahead and do. It reach out to
your local. Professionals there's plenty of, us find client, reviews
do your own due, diligence and work with people that
you're comfortable.

Speaker 3 (50:20):
With and as we talked, earlier those that were, listening
they heard about one of your marketing techniques going to.
Universities when you do, So, anthony do you how do
you choose which university to go? To is it just
In houston or do you go outside of the tech
The houston? Area how do you determine?

Speaker 6 (50:37):
That is the?

Speaker 3 (50:38):
Method?

Speaker 5 (50:39):
Yeah SO i actually have. Connections So i'm a board
member of The Asian American Real Estate association AND i
used to be an operations manager for The Vietnamese culture
And Science, Association and through those, ORGANIZATIONS i was able
to work With asian organizations At Rice, University University, HOUSTON mba.

(51:00):
On so it was just me finding connections through those
avenues and then after that just branching.

Speaker 3 (51:06):
Out sounds good to, Meet. Anthony let's tell people how
they can reach, You. Anthony fam.

Speaker 5 (51:11):
Sure my phone number is seven to one three four
zero nine two three one six against seven to one
three four zero, nine, two, three one six and My
instagram And facebook candle Is anthony Dot, REALTORY, Tx.

Speaker 3 (51:25):
Chris kelso And Rob, cook known as the real estate rat. Pack,
gentlemen as we close the, show you have a final word,
There rob.

Speaker 6 (51:33):
Final word IS i agree With. Anthony get out there and.
Look just be. Kind it's a good time and be
kind of. Course BUT i was interviewed by a local.
Affiliate the one, quote IF i could have chosen the
quote they use it on the, air which was a
market moving up or a market moving. Down there's always
opportunity there always.

Speaker 3 (51:55):
Is in, fact there's always opportunity in, life no matter
what's going. On And, chris what about?

Speaker 9 (51:59):
YOU i tell EVERYBODY i like the Old ford quote which,
says if you think you can or you think you,
can't you're. Right and so that's why he's been my.
Favorite you, KNOW i would say In, anthony it's hard
to talk about this as. Well just be, engaged be
informed in the, Market be engaged in the. Market don't
listen to what somebody can tell you can or cannot.
DO i think you were talking about it very, Much
so knock out the. Noise there's a lot of national

(52:21):
news out. There it's all. WRONG i hate to say.
It you know it's all. Wrong turn, off turn off
the national. News, yes turn off the national. News, uh
and engage with local resources that can truly help impact your. Life,
chris your phone number is seven one three two five
six nine one three. Eight again that's seven one three
two five six nine one three Eight.

Speaker 3 (52:40):
And the company is. Right if someone needs a, loan
they need information about a loan of any, sort they
could call.

Speaker 8 (52:45):
You that is.

Speaker 9 (52:46):
Correct you can give me a, call or you can
go to rate dot com forward Slash Chris Kelso.

Speaker 3 (52:50):
Rob how can people reach?

Speaker 6 (52:51):
You two eight one five four three zero five two
seven again two eight one five four three zero five two.

Speaker 3 (53:00):
Seven of course they can see you and listen to
you on The Real Estate rap back here on kPr
C am nine FIFTY kPr kPr c Every saturday at
eight to nine. Am that's a m check out the.
Show they're. There in, fact you had me on as
a guest the other. Week it was your premiere edition.

Speaker 8 (53:18):
Edition which they can go back on and look at
on the. Podcast that is, right so.

Speaker 3 (53:21):
Awesome so thank, you, gentlemen and thank you all for
listening To Real Estate matters With Stuart. TITLE i am your,
Host Bill, knappek together With John, Bramblet Tom, Carpentier Kevin,
davidson all of us At Stuart title And Stewart. Insurance
we appreciate you listening and we look forward to seeing
you on the next. Edition tune in right here Every
sunday from five to six, pm go To stewart dot,

(53:45):
Com Forward Slash, radio or simply go to the YouTube
channel which is known As Radio Bill easy to spell
B I L. L we'll see you next. Week thanks for, Listening.

Speaker 9 (53:57):
Thanks for listening to Real Estate, Matters Stewart. Title hey
that's what a real estate matters Can Bill knapi Or
Stewart title