The Wolff Pack & more!

Seasoned Realtors & great Mortgage Insights!

Episode Transcript

Speaker 1 (00:00):
Time kills deals. If you wait a day or two
hours even to call somebody back, the chances of converting
that greatly diminish.

Speaker 2 (00:10):
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 3 (00:23):
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 Steare Title, Stearare 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
Stoare Title, brought to you by Stuart Insurance. Here to inform,

(00:47):
entertain and inspire. Bill Nebek, Welcome to the show.

Speaker 4 (00:51):
It is Real Estate Matters with Stewart Title, Show number
five seventy eight. I'm your host, Bill Nampick. Thanks for
joining us. Always great real estate talk right here, so
wherever you're listening, thank you for joining us. We're glad
you're here, and we have super real estate professionals on
the show. Today. We're going to start with Ed Wolf, broker,

(01:12):
owner of Beth Wolf Realtors. Ed welcome to the show.
Thank you, Bill appreciate it well. First of all, Ed,
welcome back. And let's tell people about Beth Wolf Realtors.
And we want to say hello to Beth right now.
I know she's listening, but let's tell people about the
company in case they don't know.

Speaker 5 (01:28):
My mother, chairman, founder of the company, founded the company
in nineteen seventy eight, raised my sister and I by
taking us around in the car, watching her sign contracts
on the hood of the car and rolls of quarters
in the front so she could stop at the payphone
to make the call to schedule the appointment. I would
be sitting in the restaurant on the MLS books. That

(01:51):
would be my booster seat whenever we needed them. But
so I guess real estate came to me relatively naturally,
an sob son of a broker. I decided to step
into the business myself and for the last thirty three
years have made a living and they're now putting my

(02:11):
two kids through college on selling real estate.

Speaker 4 (02:15):
It's interesting how you paint the picture of what would
be called the good old days. Ya some people's thoughts.
I mean it goes way back, and I'm picturing so
many people talk about how their parents were in real
estate and their signs in the trunk were signing contracts
on the car. That's even better.

Speaker 5 (02:32):
Yet, the reality is it's the people business, and no
matter where technology goes, no matter where the real estate
market goes, we're really dealing with people and we're helping
them achieve the goals that they're trying to achieve, helping
them get their families into a space where they can
grow and live and enjoy life, which we all work

(02:54):
so hard to do.

Speaker 4 (02:55):
We'll give people no idea and also geographically, first of all, Ed,
let's tell people, yeah, maybe the last ten twenty transactions,
so they get an idea of where you're helping buyers
and sellers the most. Lately, What part of Houston are
you doing most of your work?

Speaker 5 (03:09):
We handle the whole Houston area, have got thirty five
associates and work all over town. I personally do a
lot of business in town. So inside the Loop our
offices in the Gallery area on Saint James Place. We've
been there since nineteen eighty seven, so a little while now.

(03:30):
The Tanglewood area, the Meyerland area, bell Air, west View,
Memorial river Oaks have been the last few sales that
have done recently, and listing one tomorrow on Terwilliger and
Briarcroft for it's a recent construction at three point two millions,
so it'll be a neat, big, big house.

Speaker 4 (03:49):
Well. A lot of people we always want to know
about market information. Is it a buyer's market, is it
a seller's market? Give us an idea from your perspective
in the areas that you're working. What's it like right
now for you?

Speaker 5 (04:02):
You know, the last seven to ten years in the
Houston market has been an unusual market when you look
at it over time, and we've consistently been putting properties
on the market, they've been selling, putting them on the market,
they've been selling, and thirty days, fifteen days, sometimes negative
five days was the days on the market when you

(04:24):
look back at the last seven to ten years, and
that was not normal, nor is it sustainable. And a
healthy real estate market is when you've got a property
on the market for ninety to one hundred and twenty days,
you've got to actually work to find a buyer, that
buyer falls in love with it, but maybe finds other
houses and is comparing back and forth before they make
a final decision. And we're not in this multi offer

(04:46):
situation with five people fighting over the same property. That
would be a normal market, and we haven't been in
that normal market in a long time. There's a lot
of agents who started their career in a market that
really shouldn't exist. So we're moving back to what's really
a cyclical market where we see different times frames throughout
the year are going to be more active, and we're

(05:09):
going to see people put their properties on the market
in the springtime, maybe late summer and early fall. Houston
does have a large relocation market, so we do have
turnover year round, which is good. But in the end,
I think we're going to see ups and downs throughout
the year that give us a more predictable market and

(05:31):
that's better for everybody truthfully, buyers, sellers, and the real
estate brokerage community.

Speaker 4 (05:36):
And as you're helping the buyers and you mentioned relocation,
how often are you helping people that are coming from
out of the state.

Speaker 5 (05:44):
About thirty percent of our business is relocation based. So
when I say relocation. That means there's a third party
relocation company that's engaged or involved in moving the individual
that we're working with, whether they're selling or buying. If
you look at the overall market in the Houston area,
it's ranged between twenty five and fifty percent of the

(06:05):
overall market and in some areas it's sixty to eighty
percent of the market, just depending on the geographic location.
So we do have a high a high volume of
relocation and all of the major relocation companies operate in
the Euston area.

Speaker 4 (06:21):
As far as interest rates, we hear so much about
interest rates in the world. Now, you take a sale
like a three listing, like a three million dollar listing,
is that typically you think that's going to be a
cash deal? Historically, are they even worried about interest rates
when we're spending that much money on a home.

Speaker 5 (06:40):
Almost everything that we're doing in the million plus range
that people are capable of buying it cash or have
the assets that they're borrowing against where they can adjust
their affordability. It's interest rates aren't an issue right. Where
interest rates play a role is in the first time
home buyer market and scarily, the first time home buyer

(07:02):
market is in the five hundred to seven hundred thousand
dollars range now in the inner city area. So we're
seeing first time home buyers that are are taking on
a mortgage of four hundred and eighty five hundred thousand
dollars on a seven hundred thousand dollars home, and that's
if they're lucky enough to have the down payment. It
does heavily impact also the people that can't afford to

(07:27):
bring the capital to the transaction. If you don't have
twenty percent to put down, the barriers to building the
ability to purchase a home are just increasing. Whether it's
higher cost of insurance, which is why we use stored
insurance on a regular basis because the.

Speaker 4 (07:46):
Higher cost of insurance has been issue.

Speaker 5 (07:48):
Yeah, but I think the costs layer. So property taxes
are up, values are up, so property taxes are up,
insurance is up, interest up, and that just increases that
barrier for the new home buyer, for the person who's
just entering the market.

Speaker 4 (08:06):
And being in the profession now for over thirty years
and having a team with over thirty some people thirty
five or so. I think you said, give us an
idea when people think about becoming a realtor or they
want to become part of the profession. I'm sure you've
seen that in all these years. What are some of
the qualities that you would tell someone that might be

(08:26):
out there listening now that says, oh, man, I see
all the TV shows or whatever, I want to become
a realtor. What are some of the things that you
see from your experience that are the top qualities that
are necessary to be successful in the real estate world
as a realtor.

Speaker 5 (08:43):
Caring, empathy, understanding, and the ability to work with people
to help them find and meet their goals. If you're
focused on the client and the client's needs, then you'll
do incredible things in this business. If you're focused on
the aesthetics and you love to remodel homes or you

(09:04):
like to watch HDTV, that's not the real world of
helping people buy real estate. It's talking to somebody at
nine o'clock on a Friday night who's second guessing whether
or not they should move forward on the transaction, or
helping them understand the impact of the cost of the
repairs and things that they need to do to the
home and the value that that's going to add. In

(09:27):
the end to them, even though the seller is not
willing to pay for one hundred percent of those repairs.
Having those kinds of conversations and helping people understand so
that they can make the best decisions for themselves. We
don't make a decision for anybody. We put options on
the table, We explain how the options benefit them or don't,
and then let them make the final decision of whether

(09:48):
or not they want to move forward on that transaction
in that house. And if you can do that, then
then you're going to do well in this business.

Speaker 4 (09:56):
It's funny you mentioned a Friday night phone call or
someone is probably getting pretty close to closing and then
all of a sudden they're like, oh no. As a
family or an individual, they're like, ed, I don't know
what to do? What should I do? So that's there's
a Counseling in psychology has a big part, a big
role in being a real estate professional.

Speaker 5 (10:17):
It's very important. I was a psychology major and I
use that every day in my real estate business. Thought
about going back to school and getting my counselor's degree
and all of that, and realized that I was doing
more for my clients here than I would do sitting
in an hour session with somebody listening to their problems

(10:39):
and trying to tell them how to handle right.

Speaker 4 (10:42):
Your realtors are counselors and and that's just part of it.
Real to be a real estate professional, in my observation,
you have to be so many things, have so many
tools available to help your buyers and sellers. It's it.
And you have such a calm exting. I don't know
how you do it, but it's very measured and you've

(11:03):
seen a lot of things. What are some of the
other things that have helped you be successful? To be
able to be in this for over thirty years experience.

Speaker 5 (11:13):
I think you know, every day I learned something new,
and I know enough to know that I will never
know everything, and it is I can't tell you the
situations I get faced with on a regular basis that
I have never seen before. And in thirty three years
of doing this, with the number of transactions, I mean,

(11:35):
I've got forty seven transactions this year, and I still
learn something new every day, and that's what's exciting about it.
That's what I love about this business. It is seven
days a week, it is twenty four hours a day,
and you can't turn it off. But we're engaged in
the life of our clients and the people we work with,

(11:57):
and I wouldn't trade that for the world.

Speaker 4 (12:00):
Talking with Ed Wolf with Beth Wolf Realtors as we
talk a lot on this show about people coming in
and relocation and that, how often are you helping sellers
where they're saying, hey, my job or something's taking me
outside of Houston or outside of Texas? Even how often
have you seen people leave Texas for whatever reason.

Speaker 5 (12:20):
I have a cleaning crew right now at a house
in the Meyerland area where they've just been relocated to
New Jersey. They are preparing boxes and everything to move,
so we've got to get pictures there Wednesday night. It's
a daily occurrence. They're not being relocated by a third
party relocation company. They have to handle the move on

(12:41):
their own, but still it's difficult for them. And pets
are a big deal. I tell you, the pets are
sometimes the biggest hurdle for some of these folks, especially
if they're moving overseas or other locations. There's entire networks
of people that handle the movement of your pets. If
you've got to take your pet to Borneo. There's a

(13:01):
company that can do it. We had two bulldogs had
to go to Borneo and that was a six month
experience for those poor little bulldogs.

Speaker 4 (13:11):
Oh my, you just brought a ball. That's the first
time we've had in quarantine. We realtors and dogs, and
we all love dogs, but sometimes it seems like realtors.
The dog is a great companion, no doubt, but they're
such a part of a family. And we've never talked
about the handling of pets so far on this show.
But bulldogs and Borneo could be the name of my

(13:34):
next book. And I don't even know what it'll be about,
but I like the sound of that. But there are
But you're helping people move the dogs. You're familiar with
the different protocols and things like that.

Speaker 5 (13:44):
Yeah, we have to pay attention to all of the
details and help them have the time necessary from the
point of contract to close to be able to accomplish
all those goals. And so sometimes we have to do
the least back where the seller can stay in the
property for three or six weeks before you know, beyond
closing one this morning, that they'll have a lease back
till the end of October, and uh, they're they're happy

(14:07):
to do that because they're finishing the house that they're remodeling,
just a neighborhood away.

Speaker 4 (14:12):
And a while ago when you were on the show
last I think you mentioned your dog at the time.
Was it a lab Oh, no, I had, Yeah, I
did have. With the flood and jumping on the bed,
Oh my gosh.

Speaker 5 (14:25):
Yeah, when in the middle of Hurricane Harvey, actually Memorial
Day flood, we were at home and the dog had
to basically live on the bed until we could figure
out a way to get out because there was water
as far as the I could see. And uh, that
same dog two years later in Harvey, got out on
a bass boat from my mother's house. And if the

(14:47):
dog could talk, I'm sure I have a lot of
therapy to deal with there, but.

Speaker 4 (14:50):
No doubt about it. Well, add on that note, let's
tell people how they can reach you, Ed Wolf.

Speaker 5 (14:56):
You can reach me at seven one three six two
two nine three three nine. That's our office number someone
three six two two nine three three nine, And my
website is www dot Beth the et H Wolf Wolff
dot com.

Speaker 4 (15:13):
And we say hello once again to Beth Ed thanks
for being with us.

Speaker 5 (15:17):
Thanks for having me.

Speaker 4 (15:18):
As we continue, let's talk to Ryan Cutter. His company
is Cutter real Estate Group. Ryan. Welcome to the show.

Speaker 1 (15:25):
Thanks Bill, glad to be here. Yeah, I run the
Cutter real Estate Group powered by Connector Realty out of
the Woodlands.

Speaker 4 (15:30):
Yeah, let's say, and also we want to say Cutter.
That's with a K.

Speaker 1 (15:34):
Been saying that my whole life, you know, and then
they write it with a C. And then I'm like,
with the K they draw a line in front of
the sea, I'm sure you've been there with your last
name exactly.

Speaker 4 (15:42):
Yeah. The K is is something that we talk about
all the time. So let's tell people. As far as
as they're listening, they're saying, okay, Cutter real Estate Group.
Where does Ryan do most of his work primarily?

Speaker 1 (15:54):
Well, I am a Montgomery County, Texas native. I live
there myself, So I would say probably sixty seven percent
of our businesses in and around the Conroe Montgomery Lake
Conroe willis Magnolia Range. That's where the bulkvar is.

Speaker 6 (16:09):
But we've been doing.

Speaker 1 (16:10):
A lot up in Livingston on Alaska, up off of
Lake Livingston too.

Speaker 4 (16:15):
It's an in when I first heard about on Alaska.
I'm thinking, I have to play so far south, so
hot and humid, have anything with the word Alaska in it.
But it's cool that it does.

Speaker 7 (16:25):
Yeah, it does.

Speaker 1 (16:26):
It's beautiful up there, man, lake life is where it's at.

Speaker 4 (16:29):
Well tell them, let's talk about that a little bit
because Livingston and on Alaska. For people listening, let's tell
them geographically where that is related to Houston and what
are the things people are looking for in that lake
Livingston area and the on Alaska side of the lake.
Action for Houston, Yeah, I.

Speaker 1 (16:46):
Mean it's north of Houston. So if you go up
to Lake Conrad, it's about forty minutes from downtown Houston.
At another forty minutes, forty five minutes, you'll be up
in the Livingston area. And so you know, people are
usually searching for a little more elbow room, even outside
of Montgomery County. From Harris County, Houston area, go to

(17:06):
Montgomery County, you're feeling like you're in a different world.
You go even further, it's a whole other world up there.
So people looking for lake houses, cattle ranches, just usually
a little more of the country feel.

Speaker 4 (17:17):
So many different things can be had here in Houston,
and when a lot of things come to mind when
the area you're talking about in Conroe, these are all
areas that are growing Montgomery County in a very rapid way.

Speaker 1 (17:32):
Yeah, it's kind of crazy. I was born and raised
in Conrad. There's not many of us left, but I was,
and it's grown. I think there was maybe twenty thousand
people there when I was a kid, and I think
we're like one hundred and twenty thousand in that area now.
It's kind of hard to believe that there's still space
for more people, but there.

Speaker 4 (17:48):
Is, and they're still coming in.

Speaker 1 (17:50):
They are, they are, and then you know, it's you know,
it's a little shuffle. You got people, it's great, and
then they want a little more space. They move out
to the country out west, like Montgomery, Plannersville, even heading
out towards Brian College Station.

Speaker 4 (18:03):
In fact, another place comes to mind as we're talking
about the Lake area. So a lot of people don't
know Houston has lakes like Conroe, Livingston, but a place
called cold Spring, Yes, is that popular as well.

Speaker 1 (18:17):
Yeah, it's really growing up. It's kind of between Conroe, Lake,
Conroe and Livingston, and it is really growing. The new
Waverley Cold Spring area. You know historically ranches, farms, lots
of cattle and there's quite a few developments starting to
take place in that area.

Speaker 4 (18:34):
And give us an idea more about the Cutter real
Estate group. It sounds like you're not working as the
lone ranger. If you have a Cutter real Estate group.

Speaker 1 (18:42):
Man, and it's great real estate, it can be very
lonely and like you're on an island. I think as
humans we like to be around people, at least I do.
I think if you're as if you're gonna make it
in this industry, you have to like people number one.
But I mean, I'm just always been a team player
and I love now gratefully I get to lead a team.
I'm still in production, so I'm still producing. I don't

(19:04):
just sit at a desk and you know, check on people.
I'm out serving clients, listing, buying, investing, commercial, residential, farm
and ranch. So we have a great group about fourteen agents.
No drama, no drama here and we like it that
way and just a real heart to help people, help
our clients. And then having a team has been very

(19:26):
beneficial that you've got a crew to work with and
I just love the spirit of what we have at
the Cutter real Estate Group.

Speaker 4 (19:33):
And you also taught we started with Lakes Montgomery County,
but you just mentioned farm and ranch. Give us an
idea of someone. Let's say, and maybe this happens on
a regular basis or not, I don't know, but let's
say someone calls you from California, New York City or
something like that, and they say, hey, farm and ranch,
I'm interested in something. Somehow they found you. What are

(19:53):
some of the things that can be had in the
farm and ranch category or under that description.

Speaker 1 (19:59):
Well, you get some people coming up out of Houston area.
They want more of a leisure ranch. It's just a
place for me to get out of the city and
I might have a couple head of cattle, just a
more of a second home getaway. And then you've got
some people that are actively looking to get into ranching
or raising cattle, et cetera. But man, there's just a
lot of people buying dirt. They're not making any more

(20:21):
dirt out there, right, So you know, it's a great thing.
I encourage people if even if one day down the road,
the dirt's not getting any cheaper. So the sooner you
can own it, the better.

Speaker 4 (20:32):
So when's a good time to buy? Ryan, Yeah, yesterday.

Speaker 1 (20:36):
You were about to say now, but it really.

Speaker 6 (20:38):
Was yesterday yesterday, and for the most time, you know
it well.

Speaker 4 (20:42):
Of all the things you could be doing, what is
it about real estate that brought you into the fold
and what keeps you there? Ryan?

Speaker 1 (20:49):
Hey, it's something new every day. There's no two days alike,
there's no two clients alike. I love serving people and
I got that from my mom and my parents model
that working hard and serving people, and so I feel
that's one of the things that really makes me stand
out in a field where every person you meet on
the street knows about two hundred real estate agents and

(21:11):
half of them is going to be their family, you know,
and so you know, but just serving people and problem solving.
I get that question a lot, like why should I
use you or what makes you different than the other
two hundred. I said, there's nobody that can solve problems
like I solve problems, because that's really at the end
of the day. If you're going to make it a
long time, you have to be a professional problem solver

(21:35):
because especially as the market the industry changes, times change
the world we live in change. We all know there's
problems that are going to have to be solved, So
I just get to work on the real estate side
of it.

Speaker 4 (21:45):
And as far as your method, motive, mode of operation
for success, you're not only helping buyers and sellers yourself,
but you're also in leadership leading a team. What are
some of the things that you that are really core
principles that help you do this so effectively. Hustle.

Speaker 1 (22:06):
You know, you can't teach somebody hustle that comes from within,
so you got to have hustle. You gotta love people.
This is a people business and no technology can really
take that away because at the end of the day,
people are involved. It's slowing down enough to really hear
somebody's needs and their desires, dreams and goals. I love

(22:27):
to sit down with people. The first conversation is just like,
paint the picture for me. Tell me what we're trying
to accomplish. What's the dream, what's the goals? Because they
think it might just be about selling a house or
buying a house, But a lot of times when you
hear the dreams and the goals, a good real estate
professional can help think outside just that one thing. It
starts to build that relationship and that rapport to be,

(22:49):
you know, an industry professional in their life.

Speaker 4 (22:52):
And as far as technology, technology is important, yes, the
connection with people relationships we can surprises me anytime I'll
reach out to a realtor and not get a phone
call back, but maybe a text. I meant the personal
touch is so important. As far as the trends, though,
how do you use technology? Let's say that in conjunction

(23:15):
with the people skills and those things. What do you
use about technology? Do you use social media a lot?
Or I do use social media?

Speaker 1 (23:22):
We have it. It's kind of a necessary thing these days.
Am I the best at it? Probably not. I still
handwrite all my notes. I carry around notepads with me
and I just said it on the ground. Altherwise I
pick it up and prove it to you. But technology
is key speed of communication. I think we live in
a day and age where people just want things so quickly,
and if you're going to make it and be successful industry,

(23:42):
you have to respond and call people back. And you know,
I get asked the question, what's the special sauce or
what's the key ingredients? And I really say, it's like
answer your phone, call people back quickly. You know, the
first to respond is typically going to make it happen.
You know, how do we sell listings like we do?

(24:03):
How do how do I sell listings commercial or residential?
Especially in commercial industry. Is why we've been able to
make a name for ourselves is because it's like, you
got to make things happen, Like time kills deals. If
you wait a day or two hours even to call
somebody back, the chances of converting that greatly diminish. So

(24:23):
technology is key. I love text messages, I love emails.
A good old fashioned phone call, though or in person,
you can pick up a whole lot more on vocal
tone and just the heart behind what's being communicated.

Speaker 4 (24:35):
Well, I'm with you right now.

Speaker 1 (24:36):
I got teenage girls, and I'm like, you know, okay,
you can't solve everything through snapchat. You know, it's like
you don't know what's going on, like call somebody say.

Speaker 4 (24:45):
That the part again about time kills deals.

Speaker 6 (24:48):
Time always kills deals.

Speaker 4 (24:49):
Yeah, that's the first time we've heard someone say that
time kills deals. That's so true. And the thing about
the phone calls, I mean, you got to answer the
phone right then and there, in my opinion, or get
back to the person quickly if you're tied up, or build.

Speaker 1 (25:04):
The systems to help accommodate it. And that's where you know,
this is a twenty four seven three sixty five industry.
But I also have a family, and you know you
building it up. Man, it's I was the guy behind
trash can at Disney World making phone calls and hey,
just go ride Dumbo. I got to make this phone call.
But as you as you get smarter and you can

(25:25):
scale a little bit, and we're still super small. But
I love it that I have a team. I've got
the right support staff that if I need a day offer,
my kids need me to be present for something, I
can do that. And my clients are still getting top
notch service and with speed.

Speaker 4 (25:39):
You know, we're talking with Ryan Cutter Cutter Real Estate Group.
Something very important. Ryan. We hear that you just added
to the family of French bulldog. This is true.

Speaker 5 (25:49):
It is true.

Speaker 1 (25:50):
My wife added a French bulldog to the family. Yeah,
a little uh Evangeline.

Speaker 4 (25:55):
So cute huh Yeah, and she's really cute.

Speaker 1 (25:58):
So I feel like I have a newborn in the
house anymore. I was like, man, we're getting close to
grandkid age and I just added a newborn to the house.

Speaker 4 (26:04):
Well, to me, all dogs are photogenic, but the French
bulldog somehow is right up there in the upper realms.

Speaker 1 (26:09):
And my wife's gonna love that you brought this up
on actually right, and your wife, I'm gonna have to
admit that the dog's pretty cute.

Speaker 4 (26:14):
What's her name, Jamie?

Speaker 5 (26:16):
My wife?

Speaker 4 (26:16):
Well, Jamie, we say hi, and we're glad you got
a French bulldog in addition to the other two great
dogs that you have in the family. Yes, well, Ryan,
before we close this segment, what else do you want
people to know?

Speaker 1 (26:29):
Hey, I think in an age with technology and stuff,
chat GBT doesn't fix everything. If you're going to do
something involving the sale or investing or buying, like, work
with a professional, Work with somebody with experience that can
handle things. And we are in the age of the professional.
I think in real estate and you know, with everything

(26:52):
and the different housing booms and whatnot, there was a
lot of people getting into the industry where that was
their normal. We're kind of moved back into it's the
age of the profession that you got to have a
season pro that's helping guide you through the process. So
me and my team would love to serve anybody in
this area.

Speaker 4 (27:08):
We are in the age of the professional. Ryan, let's
tell people how to reach you.

Speaker 1 (27:12):
Yeah, I'll give you my cell phone number. It's eight
three to two five eight eight one zero zero six. Again,
eight three to two five eight eight one zero zero six.

Speaker 4 (27:22):
Ryan, Thanks for being with us.

Speaker 1 (27:23):
Hey, thanks, will appreciate you.

Speaker 4 (27:25):
Well, it's that time again to talk money. We're going
to talk with Britney Adams. Her company is called Union
Home Mortgage. Hey, Brittany, welcome to the show.

Speaker 7 (27:35):
Thank you so much for having me.

Speaker 4 (27:36):
Well here you are. Money is the lifeblood of almost everything,
so no show would be complete without talking to you
about money. So let's tell people about Union Home Mortgage.

Speaker 7 (27:47):
Awesome. So we recently joined with Union Home. We were
locally here with NURL. Nothing change. We just now have
a bigger portfolio and so Union Home has really opened
up a lot of doors for us here in the
Houston market. So our portfolio has expanded tremendously.

Speaker 4 (28:06):
So then as far as the area that you serve,
we're talking about Houston, fourth largest city, So as far
as your activities for the most part, are you centered
geographically or kind of evenly over the whole Houston area.

Speaker 7 (28:18):
Yeah, so for us, our corporate office is over here
off Augusta and Memorial, But I actually really do service
the Cypress Tombault area. However, I can work the whole
state of Texas, and I'm actually licensed in multiple states.

Speaker 4 (28:32):
Oh really Yeah, So then that having the license in
other states gives you, I think, maybe more of a
knowledge of what's happening outside of Texas and that sort
of thing makes you all around.

Speaker 8 (28:43):
Yeah.

Speaker 7 (28:43):
Well, a lot of my clients are now coming back
for their second homes and investments, and they actually a
lot of times are not purchasing here in Texas. Sometimes
it's California, Colorado, you name it, we do it. So
I just recently had somebody close out in Florida. I
wasn't licensed there, but I went ahead and got it
so that way we could do the deal and make
sure that it was super streamlined, just like the original purchase.

Speaker 4 (29:04):
Was money, money, money, money, you know, it's great money.
So let you mentioned Cypress. So as far as Cypress,
I mean, we could say every area of Houston, north, south, east,
and west it's all growing as it expands, but Cypress
is its own thing. People love Cypress and it too
is growing. Give us a word from a mortgage professional

(29:25):
like yourself about the Cypress area and what's happening in
your world there development.

Speaker 7 (29:30):
You know, it's funny because they were just talking about
buy dirt. It's kind of like the country song, right,
like you want to make sure you're buying the dirt
you want to get in, and you want to make
sure that you are in areas that you know is
going to develop, example like even the Magnolia area too.
We just really want to make sure that we are
moving forward and you know, just doing the best that

(29:51):
we can.

Speaker 4 (29:52):
And as far as do you work in the commercial
realm as well or just because when you think of
the buying dirt and knowing where the dirt is, I'm
thinking especially on that Cypress area ninety nine. Yes, all
those places like Amazon and these big massive structures, I
mean they they bought a lot of dirt when they've
built those distribution centers.

Speaker 7 (30:13):
Yeah. So I actually personally live off ninety nine myself
and it is just developing. So there's lots of commercial
development going on. I focus on residential. You know, we
have a lot of people that are actually moving into
the area, who are relocating, and they are getting these
houses off the market quickly. You know, our time on
market is actually pretty low.

Speaker 4 (30:34):
Well, also, we're hearing interest rates. We're hearing so much
about how the interest rates are going down. So are
you seeing that? If I call you up or someone
calls you up, they hear your family and.

Speaker 7 (30:46):
The first question, yeah, what's.

Speaker 4 (30:48):
The interest rate? But are they really coming down in
a significant way from your perspective? What are you seeing?

Speaker 7 (30:53):
Okay, So a lot of times people really will call
and the focus is, hey, what's the interest rate? Well, well,
I also kind of rebuttle and say, hey, listen, you know,
the interest rates are important, but we're not buying because
of an interest rate. We're buying because of a lifestyle change.
We're moving, we're relocating, we're getting married, we're getting divorced,
kids are going off to college. There's lots of reasons

(31:14):
why we're purchasing. So interest rates shouldn't drive the reason
you go under contract. So with that, I will say
that when the FED speaks, the mortgage companies have already
baked in and reacted to what we already know is
going to happen. So whenever we hear you know that
the FED med and interest rates are coming down, most

(31:35):
times ten out of ten, the mortgage company has already
anticipated that. So the rate has already handled what it
needed to. So example, last week, everybody was super excited,
but I had better rates, you know, the week before.
So we're already a little bit ahead of the curve.
So whenever you know the Fed and everybody's going to

(31:55):
meet again this week, what we do, basically is we
anticipate it. And so that's why I always rebuttle with hey, like,
it's really not because of the interest rate. Tell me
where you're at in your lifestyle, what can I do
to help you get into a home? What's your need?
And that really just kind of changes the conversation, and
it also weeds out buyers who are serious or not

(32:17):
serious about the process too. So I think that's super important.

Speaker 4 (32:21):
And as far as the types of loans, as in
your world, there are a lot of different types of loans,
how do you match up the right loan, the right
down payment to the family or individual. Yes, because I
would think that counseling from your standpoint is very important
how do you do it?

Speaker 7 (32:38):
So I really like to do things a lot different
than other loan officers. I call myself a loan advisor.
So whenever I have that initial conversation, let's say the
realtor sends me over you know, the lead of their
potential client. I go in. We have a conversation, and
it's not a two minute conversation, it's hey, tell me
where you're at. How can I help you? And really

(33:00):
what we do is once we have that application in
those income and asset documentation, I go in and we
start kind of weeding out which loan programs are going
to be the best fit. My specialties are actually VA
and self employed. So a lot of times, you know,
we have self employed clients who maybe have been turned
away from other lenders and because of tax returns, and
I say, hey, let me look at the tax returns.

(33:22):
Prime example is I actually just had a roofer about
lot I think it was last month. He you know,
he's in the roofing industry, and he got denied by
like six different lenders, and so I met with him
face to face and I said, bring your tax returns
and he hesitated. He's like, well, everybody already looked at him.
I got to put twenty five percent down and I

(33:43):
said just bring them. So anyways, we looked at them,
and I was able to actually have him go under
an FAHA program. I saved him a ton of money.
So he went three and a half percent down, no
down payment assistance, and we ended up saving him about
one hundred and thirty thousand dollars. So that's really what
I do.

Speaker 4 (34:00):
Yeah, you're like a superhero.

Speaker 7 (34:02):
I love it. Like, I'm not gonna lie. I know
this sounds so terrible, but I love sometimes whenever they're like, hey,
like we couldn't get this person approved, I'm like, bring
them over, like, let's figure it out. So I really
am a problem solver. Everything doesn't fit in a square box.

Speaker 4 (34:17):
Well, it's interesting as far as the self self employed aspect.
Someone that is self there are so many things that
they have to do just or family whatever, just for
their business to run properly, and all the different taxes
and all those things. Yes, but then when that person
or family goes to get alone, that's a whole nother story.

(34:38):
So it sounds like you're well versed in that, and
that's probably great news for those that are out there
listening right now, one hundred percent.

Speaker 7 (34:46):
So I really, like I said, I want to look
at the tax returns, even if you've been declined or
if you've been you know, told hey, we have to
go to the bank statement route. That is like cream
of the crop for me, because most times I can
put them on conventional financing, put them back on FHA
or VA and just getting rocking and rolling. Okay, let's go.

Speaker 4 (35:05):
Back to the to the family or individual that is
not self employed. But from your perspective, you get to
see all the forends of the financial forensics of anybody
that's applying. Is that correct?

Speaker 7 (35:18):
I know everything, but they're blood type.

Speaker 4 (35:20):
Yes, that's a good point, just kidding. There you go,
but you know a lot. And as far as let's
take again the family or individual they're applying for a loan,
and let's say they don't have a great credit rating,
or it's even worse than not great, it's dismal. So
at what point in the process do you know that

(35:42):
it's that bad that you might not even in this case,
be able to resurrect this as a loan to where
they need to go back and build their thing back up.
How long does it take to find that out? If
someone gives you all the information and again they're not
self employed, they're just it's just a.

Speaker 7 (35:56):
Normal W two. Hey, here's where we're at hourly salary pay.
But that has nothing to do with credit score, right right,
So immediately when we have the application, we run credit No,
I don't do soft pools. I make sure that it's
the full bureau ran because that's where I can see everything,
and immediately I'm going to know what that credit score is,
what the mid score is, and what we need to
do to get us where we need to. So something

(36:18):
that I also do is a long time ago, before
I was actually in Department of Defense, I actually worked
in credit repair. And so what I do is I'm
not a credit repair company. However, if I can look
at the credit report and see, Okay, if we do this, this,
and this, you're going to be ready in two months.
Prime example is we had a client recently. He was
a regular W two guy, and his credit score was

(36:40):
it was average, and he.

Speaker 4 (36:42):
Is average by the way, you know, for him.

Speaker 7 (36:44):
Being the loan type that he needed. He was a
six fifteen and you know, we could go faha for him,
which is no problem because I go down to a
five to eighty. But I looked at his credit report
and I said, hey, if you do this, this, and this,
I can probably get your score up. I did not
tell him how many points, because you know, I like
to underpromise over deliver. And a week later, I kid

(37:04):
you not, his score drop or his score increased about
seventy five points, and I was able to flip him
to a conventional file and we were able to use
a grant program instead, So overall we saved him a
ton of money as well. But going back to the
credit repair, I send out an action plan to the clients.
It takes me like two or three hours to do,
which I still do that because not everybody's going to

(37:27):
have perfect credit, and I don't like to tell people
no because I'm not here to burst bubbles. But what
we do is we say, hey, listen, if you can
follow this, this, and this, let's put you on an
action plan to where you're ready and you're going to
circle back to me. The rule is is that hey,
if we're going to spend so much time going through
these things, I hope that you would come back to
me for your lending because I'm going to check in

(37:47):
on you. I'm going to make sure you're good. And
I also tell the agent, hey, you need to make
sure that they're on a that you are reaching out
to him at least once a month because you don't
want to lose them, because if you're not calling them,
even if their credit score is not really needs to be,
it doesn't mean they're not going to be ready in
two months to a year. So don't lose sight of
future income. Really, and that's that's a huge deal. I

(38:11):
have a lot of people on credit repayer programs right now.

Speaker 4 (38:13):
I bet people love the action plan too.

Speaker 7 (38:15):
They do it. It's so detailed, it really is. I
love it.

Speaker 4 (38:20):
Wow, Yeah, not bursting bubbles. We're talking with Britney, Brittany Adams.
That's awesome. Brittany. What else should we know before we
close this segment?

Speaker 7 (38:29):
Yeah, So, actually did a little bit of statistics really quick,
and so a lot of people are feeling like the inflation,
but they don't understand where it's coming from. So what
I did is I pulled some basic basic living necessities
of where you might feel a little bit of a
gut punch. Okay, so this is year over year from
August to August, so it's comparing twelve months. So with

(38:51):
food it's up three percent, shelter three point six percent.
Gas actually went down, so don't complain about your gas prices,
and went down six percent from last August to this August.
And a funny one is eggs. They went up eleven percent.
I have two high schoolers and my son is like
always getting his you know, his eggs in so eleven

(39:11):
percent it went up. And coffee went up twenty one
percent from last year to this year. So if you
are feeling any type of impact, it might just be
in your regular day to day activities. However, the interest
rates really have absorbed, so we're in a really great market.

Speaker 4 (39:25):
Right now, it's time to call Brittany Adams. Brittany, let's
tell people how to reach you.

Speaker 7 (39:30):
All right, So my cell phone number is eight three
two three five nine three zero one two eight three
two three five nine three zero one two. I knew
the signal, Brittany, thanks for being with us, Thank you
so much.

Speaker 8 (39:45):
In today's litigious society, it is imperative to have the
proper insurance to offset the many risks facing your business,
especially if you're a real estate broker, your errors and
omissions and cyber liability. Insurance can help limit the thread
of these risks if you you know what to look for.
Not sure if your insurance addresses the risks facing your business.
Contact Stuart Insurance to be confident your brokerage can withstand

(40:08):
these risks. Stuart Insurance eight sixty six seven ninety eight
twenty eight twenty seven Stuartinsurance dot Com that Stuartinsurance dot
Com are called eight six six seven ninety eight twenty
eight twenty seven.

Speaker 4 (40:22):
Real estate matters with Stuart title would not be possible
without our partner Stewart 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 manage their risks. Here
he is John Bramlett was Stewart.

Speaker 6 (40:43):
Insurance, Highty Bill. Always a pleasure.

Speaker 4 (40:45):
Here we are once again John, Welcome to the show,
and thank you. We love when insurance time is upon
us we can learn well.

Speaker 6 (40:53):
Thanks and we're going to return to our series.

Speaker 4 (40:55):
Let's go back to the series.

Speaker 6 (40:56):
Go back to the series. So this is number six
in our series of key insurance indicators.

Speaker 4 (41:01):
I love it.

Speaker 6 (41:02):
And today we're going to talk about motorcycle insurance because
I know you've got several and maybe one on the way.
So we've got ten plus one KPIs for motorcycles. So
the first one, and it's always usually the first one,
is having liability coverage. In fact, in Texas for a
motorcyclists that's required. So what that does is with property
damage or bodle injury that you would cause. Now in

(41:25):
Texas there are minimums thirty thousand for the personal, sixty
thousand for an accident, in twenty five thousand for property damage,
but if you truly want to be protected, we generally
recommend much higher coverage, so one hundred thousand for the person,
three hundred thousand for accident, and one hundred thousand for
property damage. So if you truly want to be properly

(41:45):
insured with your motorcycle, that's where you would begin, is
having the right liability coverage. The next one is collision coverage,
which is always important because that's damage to your bike
regardless of the cause. So especially if you've got a
brand new biker, you finster your bike. Collision coverage is
important to consider. Number three is comprehensive coverage. So this

(42:06):
helps with fire or vandalism or theft, weather damage, and
animal strike which can be critical. You know, especially if
you're on a motorcycle or our friends here that live
in Montgomery County know that deer in the evenings and
early mornings jump in front of cars all the time.

Speaker 4 (42:21):
Yeah, out there in Cold Springs and on Alaska.

Speaker 6 (42:24):
Watch exactly exactly. And then motorcycle thefts are higher than
even the rate for cars. So that's why it's important
to have the comprehensive coverage. Unfortunately, in Texas, it's very
important to have uninsured or underinsured coverage. We tend to
leap or one of the states that have the highest
rate of uninsured drivers. So if somebody were to cause

(42:46):
an accident and they didn't have coverage or didn't have
enough coverage, then that's where the uninsured or underinsured coverage
would come into play. Number five would be medical payments
or personal injury protection. The medical payments help medical bills
regardless of the fault, so it can help offset some
medical bills regardless of whose fault it is, and the

(43:09):
personal injury proceed or excuse me, personal injury protection can
come into play maybe offset lost income or loss of
household services. So if you had, for example, weren't able
to work for a period of time because of the injury,
that can help offset that as well. So that's a
nice one to have. This one's really important for you.
Bill number six, and that's the accessories. As much chrome

(43:30):
as you put on your bikes and you have the
saddle bags and all, you want to make sure that
you're protecting that and keeping that and many times the
standard policies, if they do provide some protection for the accessories,
it's very limited. So you want to make sure that
you've got enough coverage, especially as you continue to chrome
out your Harley, that you'd have the fund it is,
so we want to make sure that you've got that coverage.

(43:53):
Roadside assistance and towing number seven, that's an important one
to have, especially for those writers that go on long
distance trips. Having that roadside assistance is great gap insurance
or sometimes you'll hear it called loaner leaset coverage. So
if your bike was totaled and you were still paying
it off. The difference between the loan amount and the
actual cash value can cover that, so you're not stuck

(44:15):
with that difference, So that's always nice to have. Number
nine is helmet. Texas requires helmets for anybody that's under
twenty one, and if you're over twenty one, you have
to complete a motorcycle safety course or you've got to
carry with you proof of medical insurance. But even if
you have those two, it's still better to wear a helmet.

(44:37):
Beyond just the safety aspect, but from an insurance perspective,
it can influence claims and liability arguments in an accident.
So the fact that, again it's one of those if
I'd done everything I can to minimize the damage and
being able to say yes, I was wearing a helmet
goes that long way, because if you don't have a
helmet on, then there could be the argument that that
was your choice and therefore maybe it's not the other

(44:59):
part responsibility. So beyond just from a safety perspective, from
an insurance perspective, wearing a helmet's important. And then number
ten is passenger coverage. Not everybody, not everybody offers passenger coverage.
If they do, it may be minimized, so you need
to check the liability and medical coverage to make sure
it's adequate. Passenger coverage, so when you have your girlfriends

(45:20):
on the back of the bike with you build it.

Speaker 4 (45:22):
I have two helmets, that's right too. Safety first.

Speaker 6 (45:24):
Safety first, and then of course the ten plus one
is Stuart Insurance. If you would truly like to have
your motorcycle properly insured, come see us at Stewart Insurance.

Speaker 4 (45:33):
That sounds awesome, John, and people not just in Houston.
If you have a motorcycle, you're in Indiana, Pennsylvania, you
could help them there too.

Speaker 6 (45:41):
Right, Absolutely, we are fortunate enough to be able to
help our clients all over the US, both from a
personal and a business perspective.

Speaker 4 (45:48):
Unbelievable. We don't think of it, and I wonder do
you get a discount if you have two motorcycles? Well,
rayco down.

Speaker 8 (45:55):
No.

Speaker 6 (45:55):
But what you can do is motorcycles at times can
be part of that combination with your home so you
can put those together again with the same company to
try to be able to reduce premiums on both cases.
So there are some things that we can do from
that perspective.

Speaker 4 (46:11):
Because actually, as we were thinking about it. At least
I was thinking about talking to our guests here today.
These areas, like the lake areas, livings all this, a
lot of people have a lot of toys and a
lot of them are motorcycles. They have the metal buildings,
they might have one two for the whole family.

Speaker 6 (46:26):
So if you spend any time in Montgomery on Saturdays
and Sunday mornings, you're gonna have a lot of motorcyclists
out there. Because it's running through the Sam Houston National Forest.
It's a great run running two forty nine and win
forty nine is a great run. One oh five out
towards Plantersville and College Station is a great run. So
we see a lot of cyclists out there. So one,

(46:48):
let's be careful and be you know, aware they're out
there and look for our brethren on the road. But also,
if you are that cyclist, make sure that you are
properly covered so in case something bad happens, you can
get back to normal as quickly as possible.

Speaker 4 (47:01):
And that's the key to be properly insured.

Speaker 6 (47:05):
Absolutely, And all that really means is that you understand
the coverage that you have. So and for example, if
you are looking at coverage for your motorcycle, that you
truly understand what coverage you do and don't have, and
you're comfortable with that because so that you know, where
we all get in trouble is if we assume we
have coverage and we don't, and we would hate for
you to be in a situation where you file a

(47:26):
claim and it's denied because you did not have coverage
and you weren't aware of that. So that's for us,
whether it's a very robust a policy or a very
conservative policy, as long as you're comfortable with what you
do and don't have, then in our world you're properly insured.

Speaker 4 (47:39):
John, What else should we know?

Speaker 6 (47:40):
Well, if you would like to be properly insured for
your motorcycle, any of the other personal property, your home,
you're you know, for wind, flood, watercraft, you can reach
us at eight sixty six seven nine eight two eight
two seven. For real estate businesses brokers, independent title attorney agents,
property management firms, we can write your business insurance as well,
and you can reach us at eight sixty six seven

(48:02):
nine eight two eight two seven. Learn more about us
at Stuart Insurance dot com or email us at Stuart
Insurance at Stuart dot com.

Speaker 4 (48:09):
And what if I'm in on Alaska.

Speaker 6 (48:11):
We have a brand new hotline for on Alaska and
that's eight sixty six seven nine eight two eight two
seven John.

Speaker 4 (48:17):
Thanks for being with us.

Speaker 6 (48:18):
Bill, always a pleasure.

Speaker 4 (48:20):
Stuart titles business development people are super awesome, not just
here in Houston the seventeen or so that we have,
but all over the United States. Right now we have
Hope moy once again. Welcome to the show.

Speaker 9 (48:32):
Hey Bill, good to see you.

Speaker 4 (48:34):
Let's tell people your offices. Once you are in a
growing areas. We talked about the growth in the northwest
of Houston. Let's tell people about your offices quickly.

Speaker 9 (48:42):
So I have two offices. I am in the Magnoia
office and the CONRA office. I have five fantastic ESCRA
officers between the two. We are located on fourteen eighty
eight and three thirty six.

Speaker 4 (48:56):
So as far as the transactions, we talked a little
bit about farm and ranch in your offices. You must
have some farm and ranch train transactions every now and then.

Speaker 9 (49:05):
Absolutely, we live in Montgomery County, so we definitely deal
with farm and ranch and then alongside residential commercial equities,
home loans, lot takedowns, build a lot of things.

Speaker 4 (49:18):
Hope. Let's tell people how they can reach you.

Speaker 9 (49:21):
Yes, sir, so you can call me at three four
six two two four one nine zero eight. I get
my numbers three four six two two four one nine
zero eight. We would love to partner with you. Give
me a call, Hope.

Speaker 4 (49:34):
Thanks for being with us. Hope we see you soon
next week. Thank you, Bill till Vin Ed Well, he's back.
As we closed the show, here is Ed Wolf with
Beth Wolf Realtors. Ed as we close things down. What
else should we know?

Speaker 9 (49:48):
Oh?

Speaker 5 (49:48):
I think it's just important.

Speaker 7 (49:50):
Uh.

Speaker 5 (49:50):
I enjoyed listening to the mortgage minute and understanding a
little more about where things are. Interest rates don't impact
why you should or should not buy. I've got to
You've got to step out, put yourself into the market
and realize that paying rent or paying somebody else to
live in their property doesn't doesn't give anything to you

(50:10):
in return.

Speaker 4 (50:11):
No doubt about it.

Speaker 10 (50:13):
Ed.

Speaker 4 (50:13):
Let's tell people once again how they can reach out
to you. At Beth Wolf Realtors.

Speaker 5 (50:18):
You can find us at seven one three six two
two nine three three nine or at www dot Beth
b E. T. H. WOLFWO l f F dot com.

Speaker 4 (50:29):
Great to see again. Thanks for being with us, appreciate it.
And here he is, Ryan Cutter Cutter real Estate Group. Well, Ryan,
a final word? What else should we know? Oh?

Speaker 1 (50:39):
You know, it's an interesting time out there, and I
think more than every having the right team helping you
with real estate and life. You know, we're not just
real estate people. I feel like I'm a counselor mediator,
all those things, marriage counselor sometime, but having the right
team to get you through whatever time of life you're
going through. And that includes Stewart Title a great title

(51:00):
option too. But if it's Montgomery County, Lake Conroe up
to Lake Livingston, you know we're here to serve all
your real estate needs.

Speaker 4 (51:08):
Ryan, let's tell people how they can reach you.

Speaker 1 (51:10):
My cell phone is eight three two five eight eight
one zero zero six. Look forward to your call. Eight
three two five eight eight one zero zero six.

Speaker 4 (51:20):
Ryan. Thanks for being with us. Thanks, Bill, appreciate it.
Tell those dogs in the family we said, hey, we'll do.
And now Brittany Adams is back Union Home Mortgage. Well, Brittany,
what else should we know.

Speaker 7 (51:33):
That I am here to help you in all your
transaction needs, and if you don't know if you're ready,
it's always worth just giving me a call so we
can see where you land.

Speaker 4 (51:41):
Right there at Union Home Mortgage, Brittany, what's the phone
number eight.

Speaker 7 (51:45):
Three two three five nine three zero one two eight
three two three five nine three zero one two.

Speaker 4 (51:52):
Thanks for being with us, Brittany. And also a word.
We have Kim Dawkins here. Reach out to Kim right
there at Stewart Title and Cypress doing tremendous work. The
phone number in Cypress is and the phone number for
Kim and the Cypress Stewart Title office is seven to
one three two zero three eight six four oh seven

(52:13):
one three two zero three eight six four to oh.
A super team is there to help you with all
your needs there in the Cypress area. And again I
am Bill Napik right here together with John Bramlett. Check
us out at Stuart dot com Forward Slash Radio in
case you want to see the tremendous guests here or
access the past show archives. It's simple though. All the

(52:35):
hundreds of shows are right there at Stewart dot com
Forward Slash Radio. We will see you next week. Thanks
for listening.

Speaker 3 (52:44):
Stay ever.

Speaker 10 (52:49):
On State Streaming nationwise, only.

Speaker 4 (53:01):
Show the conversation. It's a real estate man.

Speaker 10 (53:07):
What's hot in the market, what's moving fast?

Speaker 4 (53:13):
Bill never leads away here, never come in last.

Speaker 10 (53:18):
We'll talk about homes and a best selling race, real
estate stories that truly relays.

Speaker 4 (53:30):
With the experts gathered around. It's a showline order. We'll
lift your spirits. It's like talking to your brother. So
grab a cup of coffee. Don't fall me high.

Speaker 6 (53:48):
Real estate matters.

Speaker 4 (53:50):
It's your Sunday.

Speaker 10 (53:51):
Fine real estate matters every Sunday, and fine on in.
Don't it it feel a real estatement