TREC Commissioner Speaks & more!

We hear from great guests and a TREC Commissioner!

Episode Transcript

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

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

(00:38):
entertain and inspire.

Speaker 3 (00:39):
Bill Knapik, Welcome to the show. It is Real Estate
Matters with Stewart Title. I'm your host, Bill Nappick, and
thank you for joining us here on show number five sixty.
That's right, five hundred and sixty shows, and today is
going to be awesome. We'll have a great information super
guests abound right here today on Real Estate Matters with
Stuart Todd. I would encourage you to go to the

(01:01):
website which can be found at Stewart dot com Forward
Slash Radio. That's Stuart dot com Forward Slash Radio, where
you can not only hear the show this show, you
could see the show. In addition, you can access the
show archives at Stuart dot com Forward Slash Radio. And
now let's get down to business as we welcome Leslie Learner.

(01:27):
Her companies are Leslie Learner Properties and learn More and
also she serves as a commissioner with TREK, the Texas
Real Estate Commission. Leslie, welcome back to the show.

Speaker 4 (01:41):
Thanks Bill, glad to be here.

Speaker 3 (01:43):
Well, here you are the introduction. You have so many
things and these are the ones we know of, so
there may be another layer, but who knows. Let's first
of all talk about your company, Leslie Learner Properties, as
you help buyers and sellers in a tremendous way every day.

Speaker 4 (01:58):
Thanks Yes, Leslie Learner Property. I've been in business or
in the real estate business for thirty two years now,
and Leslie Learner Properties is actually the home of flat
fee listings and rebated commissions. I started that when technology
changed and people were able to shop online, and so
I have a way of giving back.

Speaker 3 (02:20):
That's right. In fact, I was on your website this morning.
There it is flat fee, and that's very interesting in
this marketplace, and not everybody does that. In fact, most don't,
so it's kind of unique. Give us a little word
about how you arrange how you help the sellers with
listings in this flat fee configuration.

Speaker 4 (02:38):
So many sellers are used to paying a percentage of
their sale towards real estate commissions. In my scenario, I
have a flat fee depending on the price of the home.

Speaker 3 (02:49):
So depending on the price, then that there's your fee.
But in the bottom line, it sounds like it will
help save a few dollars.

Speaker 4 (02:55):
It helps save a lot of money.

Speaker 3 (02:57):
So as far as geographically, let's tell people where you
help buyers and sellers most of the time, or let's
say in the last twenty transactions, because you move around
like most realtors.

Speaker 4 (03:07):
But I do move around. I'm in the Houston area
and the surrounding suburbs.

Speaker 3 (03:12):
Well that's kind of big.

Speaker 4 (03:14):
Well we say where it takes you.

Speaker 3 (03:16):
If we think about the just the Houston area and
Houstonians listen to the show, but those that are outside
of Houston, this is a gigantic area. And then when
we start thinking leslie about the suburbs each and every
one of them is growing like crazy, and they're large
entities all on their own.

Speaker 4 (03:34):
You're right that Houston is huge, and the suburbs continue
to grow, and I get out there a lot of
the time. If I have a full plate, I may
not go to the far reaching suburbs, but I am
out in the Katie area, Cypress area, those surrounding.

Speaker 3 (03:50):
Us, and we hear a lot about foolsher too. You
ever get out there.

Speaker 4 (03:53):
I'm actually out there right now.

Speaker 3 (03:55):
Give us a quick word on buyers in the way
you're helping people in the unique way.

Speaker 4 (03:59):
What do you do for so buyers. I also do
rebated commissions, so it depends on the number of homes
I show. If I show one to three homes, I
rebate one and a half percent. If I show four
to six, I rebate one percent. And it usually now
depends on what the percentage that is being offered, or
how or how the buyers want to pay.

Speaker 3 (04:18):
Unlet's say someone's if we're at ten looking at ten homes,
and now we're off the track, or now we're off track,
we're back to normal.

Speaker 4 (04:26):
It doesn't usually take people that long since they can
find everything online.

Speaker 3 (04:29):
Now, I well that's a good point as far as
and that's just that's a big time job as all
realtors in the real estate profession. You're helping buyers and sellers.
That's all consuming. But yet along the way you started
something and you're introduced it here on the show. I
want to say about a year ago learn more.

Speaker 4 (04:48):
Yes, so I launched a technology company called learn More.
It's you're helping hand to understand. It's a really cool site.
You can take any sort of contract you may have.
It could be real estate, it could be energy, it
could be a residential service, contract, insurance, whatever it may be.
You upload it to the site and you can translate
it to any language. It gives you layman term meanings
of every clause in the contract or the document. It

(05:11):
gives you FAQs, it gives you examples, and there's chatbots
that you can ask it more questions. It's just a
great way to learn what you're signing before you sign.
So many people click click click through contracts or documents
and they have no clue what they're signing. It puts
everyone at risk. This is to help take that risk
out of it. The key word in our industry and

(05:35):
across the board I believe is transparency and this learn
More just provides so much transparency to transactions.

Speaker 3 (05:43):
And am I about right? It's been out for about
a year.

Speaker 4 (05:47):
I launched it about a year ago and then had
to redo it, so to speak. And thankfully now I
feel like it is so ready to go and it
provides anybody with so much transparent See.

Speaker 3 (06:00):
Well, it's interesting that you even found the place for this.
I mean, as an entrepreneur, I would think and being
in real estate as the starting point, you're thinking of
ideas all the time because I just your analytical, very
fact based, detail oriented.

Speaker 4 (06:18):
So yes, I have ideas all the time and I
never do anything with them. And for somehow or another,
this one, I just said, we're going for it. And
the people I met with said there is nothing out
there like this. You should do it, And I'm like,
are you sure. I mean, it's a huge risk and
I'm very risk adverse, and I went for it.

Speaker 3 (06:36):
So let's remind so people that are who would be
in the market for learn more, And the website, by
the way is learn l e R Nmore m o
r dot com. Remind people who would be in the
market for that. It goes beyond real estate.

Speaker 4 (06:49):
This is for anyone. Somebody called me the other day
and said, can I put my last will and testament
in there? To understand what it means? I said absolutely.
My dad was having some medical tests. I didn't understand
what they said, floated it and I understood it right
after that. So you can use it for anything. Energy contracts,
if you're getting a new electricity provider, you're getting an
insurance contract, if you have a title commitment. Anything can

(07:11):
be put in there.

Speaker 3 (07:12):
It's fascinating because contracts have so much language, a language
all their own, depending on the industry.

Speaker 4 (07:18):
So yes, and the key thing has been people love
the language translation. So if your native language is not English,
you can translate it to whatever you need it to be.

Speaker 3 (07:30):
That's amazing.

Speaker 4 (07:31):
So yeah, it's pretty cool.

Speaker 3 (07:32):
So there's like, I don't know how it does. There
must be some certain secret.

Speaker 4 (07:35):
Shares the brain of its own.

Speaker 3 (07:37):
Awesome. Okay, trek Texas Real Estate Commission, let's tell people
what TREK does and also what you do for Trek.

Speaker 4 (07:45):
Track's mission is to protect consumers and we license individuals
for real estate and inspectors and we regulate. That is
our main position. We help with legislation and statute consumer protection.

Speaker 3 (07:59):
The state of Texas. So all realtors are under the
TREK umbrella.

Speaker 4 (08:05):
Correct. We license all people that want to practice real
estate in the state of Texas. We also license inspectors.

Speaker 3 (08:13):
That's a big job as well. And along the way,
I think on a previous time you were here. If
there's complaints that people have in their real estate experience,
the complaint ends up going to Trek usually.

Speaker 4 (08:25):
Is that right, Correct? People have to file complaints through
Trek in order for us to be able to regulate,
so everything is complaint driven.

Speaker 3 (08:34):
We're talking to Leslie Learner and that's great. You have
a great name, Leslie, Leslie Learner Properties, and then you
have learn More that's the name of your company. So
we are learning all kinds of things today from Leslie Learner. Well,
thank you Trek. What are some of the things that
are the hot topics right now?

Speaker 4 (08:52):
Some of the hot topics just in real estate in
general are private listing services, which are also called pocket listings.
Transparency is a huge, huge word these days, and broker
representation or buy a representation.

Speaker 3 (09:08):
Actually, let's tell people what a pocket listing is in
case they don't know.

Speaker 4 (09:12):
It is when a brokerage gets a listing and they
do not want to put it on the MLS. It's
kept in house, so people, as in the general public
or the consumer is not going to see it on
the MLS or Zillo or some of the other forms
that they get their listings.

Speaker 3 (09:30):
So how long will they keep it as a pocket listing.
Let's say this broker does this, or this realtor keeps
their pocket.

Speaker 4 (09:37):
It's really up to the seller of how long they
want to keep it there.

Speaker 3 (09:42):
Because if I'm a seller, my whole idea is, hey,
I want everybody to know about the property. I would say,
don't keep it in your pocket. Let the world know.

Speaker 4 (09:50):
That's exactly how I feel as well. I don't think
some of these brokerages that are offering this are explaining
the downfalls of this whole policy. I don't think there's
enough disclosure in it. I know one company just came
out with a great disclosure showing what it could do
in the how getting less exposure could harm the consumer.

Speaker 3 (10:14):
Is there anything else? That's kind of one of the
hot topics with Trek these days, So I.

Speaker 4 (10:19):
Mean, in general, not just with Trek, is buyer representation
and getting form signed, saying who represents who? In Texas.
We don't have legislation that tells us exactly when this
form has to be signed. We've always had a buyer's
representation agreement. There's current legislation that could be passed soon

(10:42):
regarding the timing of that form and if it's mandatory
or not, but that hasn't happened yet. This is happening
all over the.

Speaker 3 (10:52):
US, Leslie, Before we close this segment, what else do
you want people to know about any of these things, Leslie,
Learner Properties, learn more, and of course Trek.

Speaker 4 (11:04):
Just keep listening. There's a lot of things going on,
and things are going to continue to change for a while.

Speaker 3 (11:08):
And that's what people I think real real estate professionals,
a lot of them, when I ask them what keeps
them going is it's always changing, it's always interesting, nothing's
ever the same. So we could tell them it's going
to keep going. It's going to be dynamic from here
here on.

Speaker 4 (11:23):
Agreed. And I think it's very important that people know
that they really need to interview who they want to
work with and understand what they have to offer and
their competency in the area and in real estate in general.

Speaker 3 (11:36):
Leslie, let's tell people how they can reach you, Leslie Learner.

Speaker 4 (11:40):
My website is Leslie Learnerproperties dot com. My phone number
is seven one three four eight nine ninety nine hundred.
Leslielearnerproperties dot Com. Seven one three or eight nine ninety
nine hundred.

Speaker 3 (11:53):
Leslie. Thanks for being with us.

Speaker 4 (11:54):
Thanks Bill.

Speaker 3 (11:55):
Let's welcome Diana Hefner. Her company is Remax Associates Northeast. Diana,
Welcome to the show.

Speaker 5 (12:02):
Thank you, Bill, thanks for having me.

Speaker 3 (12:04):
Well, here we are. You are in Kingwood. People call
that the livable forest. You're here with us today. Let's
tell people about your company, Remax up there in the northeast.

Speaker 5 (12:13):
Well, Remax Associates Northeast has been in Kingwood since nineteen
seventy eight. They are one of the original real estate
companies in Kingwood.

Speaker 3 (12:23):
The first thing I think about, I wonder, because I've
been the Kingwood a million times, I wonder what it
looked like back there in nineteen seventy eight.

Speaker 5 (12:30):
Well, there were a lot more trees. Back then. It
was a lot smaller than it is today. Today. It's
grown to be between somewhere between seventy and eighty thousand
people that live there right now.

Speaker 3 (12:42):
That's very nice too. Also, there's some water elements. There's
a lake up there. And when we say northeast, for
those listening outside of Houston, we don't mean New Jersey.
We mean northeast of Houston, right, Diana, correct, So let's
tell people. As far as right now you're helping both
buyers and sellers. Are you helping more more buyers or
more sellers right now?

Speaker 5 (13:02):
I do a good combination of both buyers and sellers.
I love helping buyers and I love helping sellers, so
it's a nice mix.

Speaker 3 (13:11):
So you're going to a good mix right now. And
as far as the market trends up there in Kingwood,
are you what are you seeing right now? Is it
very active or what's happening? Well?

Speaker 5 (13:19):
I think the market in Kingwood is very good right now.
We have about a four month supply of inventory and
the sells are a little bit down from last year,
which is normal because we have certain things in the
environment for buyers such as the interest rates and being

(13:40):
a little bit high, as well as insurance premiums are
a little bit high, so we have to work through
some of those things with buyers and sellers. As well.
But the market is good. Consistently, home sell at about
ninety seven to ninety eight percent of their list price
and they're on the market for about thirty seven days

(14:01):
on average.

Speaker 3 (14:02):
Wow, what's wrong with that? That sounds pretty good.

Speaker 5 (14:03):
It's really good.

Speaker 3 (14:05):
And also, let's tell people your experience goes way back.
How many years are you helping buyers and sellers?

Speaker 5 (14:11):
I have been in this business for twenty four years.

Speaker 3 (14:15):
So let's just you mentioned the word interest rates that
long ago. Do you remember what the interest rate was,
because you must have seen them go up down, and
they've been everywhere.

Speaker 5 (14:26):
I want to say, when I started, they were in
the fives, somewhere in the fives. You know, they've gone
up in the eights, and then they went all the
way down into the twos, and now they're back up
to the sevens and with good credit you can get it.
I'm sure we'll hear later, but in the sixes.

Speaker 3 (14:44):
So a lot of variations. But in addition, you've seen
a lot of changes along the way. What was it
about real estate that got you interested to begin with?
Why do you say, oh, I want to be a
real estate professional.

Speaker 5 (14:56):
I've always loved houses, I've always loved construction, and I've
loved p I've always my backgrounds and customer service, and
I've always loved getting to know people, helping people get
into their dream homes with their families. And in my business,
I have always gotten a lasting relationship with many of

(15:18):
my clients that I keep in contact with them today
after many of us.

Speaker 3 (15:21):
Yeah, at this point, here you are in the business.
And have you always been in the Kingwood area?

Speaker 5 (15:26):
Yes, I have so.

Speaker 3 (15:27):
Wow, you're probably having people talk about you all the time. Oh,
I think I want to sell my home. Oh, call
Diana right.

Speaker 5 (15:35):
Yes, you can't go to the grocery store without running
into people that you know. And I've also sold homes
to children of clients that I have helped over the
years that have grown up and they now are starting
their families and have come back to Kingwood to raise
their families.

Speaker 3 (15:51):
See what a great feeling, other than the financial compensation
and things that we look for in our profession, to
have that extra vote of confidence and where people are
talking about you in a great way and referring you,
that must be tremendous.

Speaker 5 (16:06):
It is. It's a really great feeling.

Speaker 3 (16:08):
And speaking of feelings and guess work. How do you
feel things are going to go for the rest of
the year, Because here we are well into the year,
moving right along.

Speaker 5 (16:18):
I feel very optimistic about the rest of the year.
We're hitting the spring season and that typically is a
very good real estate time of year where people are
getting their yards ready and school's about ready to get out.
So that's typically a really good time for families to
list their house when it's time to move to wherever
it is they want to go, or if they want

(16:40):
to buy, they want to get in during the summer
if they have children to start school at the right time.

Speaker 3 (16:45):
No doubt about it. And as you have this referral,
this built in referral referral system, because people know you,
they like you. As far as social media, do you
do anything there also to keep things going.

Speaker 5 (16:58):
I have a pretty big social media presence, and I'm
friends with most all of my clients, so I keep
up with them on social media and see their kids
grow up and all the events they go to, and
try to pay attention to their kids and their families

(17:19):
and what they're doing.

Speaker 3 (17:21):
And regarding social media, which platform or platforms do you
like the best.

Speaker 5 (17:26):
I'm mostly on Facebook.

Speaker 3 (17:27):
And that works pretty well.

Speaker 5 (17:28):
It does work well for the people that I'm in
contact with, they're more Facebook people.

Speaker 3 (17:33):
I'm more of a Facebook person too. By the way,
as you're helping people, and we talked about the interest
and mortgage, how often are you running into the cash
buyer out there?

Speaker 5 (17:42):
There are cash buyers out there, and this first quarter
I've had a pretty good first quarter for business. I've
ran into two or three cash buyers in the last
six months. So they're out there, and they're generally empty nesters.
They're moving. A couple of them have moved from out

(18:05):
of state to come to Texas to be near their family.
But they're out there.

Speaker 3 (18:10):
I'm glad you brought that up. So are you you're
seeing apparently some people still moving moving in from other states,
other cities. How do they find you, Diana Hefner.

Speaker 5 (18:24):
Well, either from referral they know somebody that lives here,
or it's a referral from another real estate company.

Speaker 3 (18:35):
As far as do you think the social media helps
also for them to identify you and they see you,
or maybe they meet you first or hear about you,
then they check you out on the social media.

Speaker 5 (18:45):
Yeah, they'll do both ways. They'll meet me and then
check me out online to make sure I'm who I
say I am and that I'm safe.

Speaker 3 (18:53):
Well, that's right, and that's one of the and that
also as I did some research on you, that's one
of the first things I did, or as I do
to most guests. I find out hate How can I
learn more about this person and understand you like cats
and dogs and things like that, all from Facebook?

Speaker 5 (19:08):
You sure can. You'll find me out all the time
with my dog and my cat walking around Lake Houston.

Speaker 3 (19:15):
Well, and actually that's a good point because as the realtor.
Then I'm just now putting myself in the realtor's role.
If you're helping someone that maybe you haven't met before,
same thing you could learn learn about the person before
you actually have the meeting, the listening, presentation or whatever.

Speaker 5 (19:31):
I might be known to look someone up a time
or two to make sure that who they say they
are in the world. A few things that we have
in common.

Speaker 3 (19:39):
Yeah, me too. In fact, we're in the world. We're
all looking each other up in advance. I think it's fascinating.
Who would have thought twenty five years ago we'd have
these tools.

Speaker 5 (19:51):
Who would have thought I know, I don't know.

Speaker 3 (19:53):
So here you are as far as take us through,
say a day in the life. Now, each day different,
each transaction is different. But give us an idea of
just one of your typical days. What you're doing in
your business.

Speaker 5 (20:07):
World, well, that changes every day. If I'm working with
a buyer, one of the things we do is we
sit down and communication is key with me. You can
never over communicate with somebody. And I like to work
with a lot of younger clients who haven't done this before.

(20:29):
And I do many things based on my own experience.
I treat people the way I would want to be treated,
and I like to explain the whole process to people,
and many people have never done this before. So I
like to hold people's hands. I can be their mother

(20:50):
for the transaction if need be, and sit and explain
the whole process from start to finish, so that they
know what to expect and they know what the contract
looks like, they know what negotiating looks like. And it's
not just going out and looking at pretty houses. It's
more of that's the easy part. Once you get past that,

(21:12):
it's knowing to look at their insurance and some of
the things that we're facing right now. Are having to
have conversations we've never had to have before, and it's
talking about insurance, and it's talking about we're having to
have conversations about roofs, and once they find a house

(21:32):
they like, we have to sit down and talk about,
you know, call an insurance company upfront to know what
your premium is going to be and if they're going
to like the age of the roof or not. And
that's a new thing that we're having to talk about
and figure out how to deal with some of these
new issues that are out there in the real estate world.

Speaker 3 (21:52):
That is so well put. In fact, that's a tremendous quote.
You can never over communicate. I think that's a good one.
But also you're right on the nose. There's more talk
about roofs. In my neighborhood. Just the other week, the
guy next to me had a roof put on. The
people over the fence had a roof put on. Roofs

(22:13):
are going up everywhere, and it's a lot of it
is a result of what you're talking about, because they're
having conversations with the insurance companies and as people are
out there looking at homes, they're like, well, how old's
a roof?

Speaker 5 (22:26):
So we're right, And if it's over fifteen years it
might be a problem, it might not. And if you
can find the right insurance company that will give them
a proper quote that isn't too expensive. But it's a
conversation that has to be had up front. It used
to be you just let your client go talk to
an insurance company and they got an insurance quote and

(22:49):
it was no big deal and you went on too closing.
But you can't do that nowadays, no.

Speaker 3 (22:53):
Doubt about it. And on a different note, as far
as roofs go, I was out there for hours with
my magnetic thing to make sure I didn't get a
flat tire because those nails go everywhere.

Speaker 5 (23:04):
Diana, Oh, yes they do. You can't trust the roofing companies.
A lot of roofing companies are very good, very good
making sure that the nails are picked up.

Speaker 3 (23:13):
No doubt about it, Diana. Before we close this segment,
what else do you want people to know about what
you're doing?

Speaker 5 (23:19):
Just I love what I'm doing and I want to
continue to be here to help people in the real
estate world find the perfect home for you.

Speaker 3 (23:29):
Diana, how can people reach you.

Speaker 5 (23:32):
They can reach me with my phone number which is
eight three to two seven one five or O two two,
or they could reach out to me on my website,
which is Diana Hefner sells homes dot com eight three
to two seven one five four zero two two.

Speaker 3 (23:48):
Thanks for being with us, Diana.

Speaker 5 (23:50):
Thank you for having me. I really appreciate it.

Speaker 3 (23:53):
Well, it's a time of the show to talk money again,
and Mason Lee is with us today. His company is
called Union Home Mortgage. Mason, welcome to the show.

Speaker 6 (24:03):
Thanks for having me. Super excited.

Speaker 3 (24:05):
It's great to see you. Let's tell people about Union
Home Mortgage.

Speaker 6 (24:09):
Yeah. So Union Home Mortgage is a top fifteen nationally
ranked mortgage company in the nation. So we're a machine.
About a month ago, I was actually we were actually
in our l mortgage nations, Reliable Lending, and Union Home
Mortgage ended up buying us out and creating our partnership
with us, and they wanted to be more known in
the southern area. Right in our mortgage we were pretty

(24:31):
well known in the Houston area and we were just
looking to just get our systems and processes a little
bit better. So we partnered with Union home mortgage, and
it's been amazing.

Speaker 3 (24:40):
So tell us some of the things that have stayed
the same in terms of the great customer service and
things like that. Even though the names change, you're still
marching forward with great service.

Speaker 6 (24:50):
Yeah, you know, I think when you get called get
a call that hey, we're being bought out and we
would love to have you at the next place. I
think everyone gets those nerves, like you don't know what
you're going to, right, But I had trust in our
owners whom I'm friends with, right, so I have trust
in them. But everything has just gotten better. It's just
straight up our rates, our service, our processes, are our

(25:11):
programs that we have. Like before, we didn't have renovation
loans like a two or three K loans, So if
someone sees a property they want to renovate and live
in it and roll in the construction costs repair costs
into the loan, we can now offer that product and
we didn't have that before. We can also help with
construction loans now, which we didn't have before. So just
a lot of exciting things happening that Union Home.

Speaker 3 (25:32):
With In a way, it sounds like you've expanded the.

Speaker 6 (25:34):
Menu one hundred percent. Yeah, my rolodex has gotten bigger
for sure, any bigger pockets.

Speaker 3 (25:39):
And that's one of the things people that have either
first time bars or those that have not purchased a
home in the last seven years or whatever amount of
years to find the right loan. How do you navigate
someone or a couple as they're going through Hey, Mason man,
I don't know what kind of loan? Should we put
this much down? You know, I'm a veteran, I'm not
a how do we determine that?

Speaker 6 (26:01):
Yeah, So my first step is always talk with the
client first. I never just want to send them my application.
The reason for that is people get so scared about
a mortgage getting a mortgage, and they stress themselves out.
They stay up all night just worrying if they're going
to get approved. So my first step is to always
talk with the client. First reason for that is we
want to just talk through the scenario. We want to
make sure they're being eased into the scenario. I would

(26:25):
say eighty percent of my business is first time buyers, right,
So again, they come in stress, they come and scared.
So what I do is I hop on a call
about ten to fifteen minute call, go through the scenario,
ask them questions, have them ask me questions, just so
when we get to the end of the call and
I say, hey, do you have any other questions? I
want them to say, you know what, No, you answered
all of mine, or you already everything you went through

(26:47):
you had my questions in there. So my big thing
is education. You know, during high school. Here in college
they tell us, hey, getting a mortgage is going to
be the biggest purchase of your life. But I don't
remember taking classes in high school about getting a mortgage
and buying a home. So my big thing coming coming
out of college and always being interested in real estate,
it's how can I help my friends buy home and realize, hey,

(27:09):
this isn't so hard as some people make it seem
to think.

Speaker 3 (27:12):
And you mentioned the first time home buyer or buyers.
What are some of the first the most common questions
you hear from people that are oh, man, I never
bought a home, Mason, What are they asked about it?

Speaker 6 (27:23):
Easy? Do I need twenty percent down? So that's a
big Always, well, I don't have twenty percent down. I
don't have twenty percent down. I'm like, I don't know
where a TV you're watching or who's telling you this.
But of course you don't need twenty percent down. We
have down payment assistants. You don't even really need a
down payment.

Speaker 4 (27:38):
Now.

Speaker 6 (27:38):
Of course I always want to lead in that, yes,
you still need funds. You can't buy home with no funds,
no down payment, no closing costs. But if you don't
have the down payment, we can get creative and we
can help you find that down payment. So you do
not need twenty percent down to buy home.

Speaker 3 (27:52):
So let the word go forth today. If there's any question,
you come to me, I'll help you out. Go to Mason.
That's right. Well, it's interesting how certain things in the
in any profession get ingrained.

Speaker 6 (28:06):
You know, like, I have no idea where that's coming from, right,
Is that just their parents where they're just like, no,
you need twenty percent to buy home. That's that's what
I hear a lot, because I do ask them, hey,
where are you're getting that information? It's like, oh my
dad told me. It's like, well, I mean as long
as your dad's been around, it's been five or three
percent you can put down, not twenty percent down. So
I think it's just coming from just unexperienced for some people.

Speaker 3 (28:28):
Well, It's interesting. I bet a million times a day
people are saying, hey, Mason, what's the interest rate? You
ever hear that?

Speaker 6 (28:34):
Maybe about every hour?

Speaker 3 (28:36):
Does that drive you crazy?

Speaker 5 (28:37):
You know?

Speaker 6 (28:38):
I think I think when the rate started to go up,
it was it was a little annoying. I guess I
would say a little bit, But now it's just it's
that's just how business is. Everyone wants lower rates. Everyone
wishes they had that two percent rate that we all got.
You know, my first home, when I bought my first
time in twenty twenty, I have a two point twenty five,
So you know, everyone wants that rate back. But I

(28:59):
just bought my second home and I have a six
point eight seven five, right, So you know you get
what you get, and you know you don't throw a fit.
But yes, that is the common question is, hey, when
are rates coming back down? And my response back to
them is, you don't know for sure. If you would
have asked the loan officer last year if we would
expect lower rates in twenty twenty five, we would all said, yeah,

(29:20):
we'll probably see the fives this year. But I think
we've all seen the news and we don't expect fives
to come about this year.

Speaker 3 (29:27):
So then other than the first time buyers, what are
some of the things that someone that's shopping for a mortgage?
What would if you were on the other side of
the coin, knowing what you know, what would you What
should people be thinking about when they're thinking about using
their right company, the right individual like you, Mason Lee?
What did you think about it?

Speaker 6 (29:44):
First step? A lot of I think a lot of
people think, hell, I need to go talk to a
realtor first, and what the realtor is going to tell
you when you go to them first, they're going to
ask you are you preapproved? So first step is even
if you're thinking a year out in advance, eight months,
two years in advance, talk to a mortgage lender. We
don't have to do a hard pool on your credit
if you're so worried about your credit score going down
or such like that. But I think it's always good

(30:06):
to have a plan well in advance if you wanting
to buy a home. Reason for that is if you
come to me a month before you have to move
out of your rental and and there's things we need
to work on, it's a little bit more stressful. And
my job is to make it fun. Right, A lot
of people coming to getting a mortgage so just so
stressed out. I want to make it fun and enjoyable.
This should be a fun time of your life. But again,

(30:27):
if you're coming to me a month in advance and
we need to work on credit, we need to work
on paying down debts, you're going to get stressed. But
if you come to me twelve months in advance, I'm
just going to give you a timeline off. Here's some
things to work on from now until you're ready, and
it's way less stressful.

Speaker 3 (30:41):
And when you talk about being ready, do you run
into people? And time plan ahead is a good idea,
but you run into people that they want to buy
a home, but when you start talking to them or
find out about the financials of their lives, they're not ready.

Speaker 6 (30:57):
Unfortunately.

Speaker 3 (30:58):
Yeah, how often is that out of ten?

Speaker 6 (31:00):
Yeah, that's I was just about to say that. So
out of ten, I would say every three days, Okay,
about ten applications, I would say out of those ten applications,
maybe six of those are denied. So right now, especially
with the higher rates, it's harder to get qualified because
your debt to income ratio is going to be higher.
With that higher mortgage payment. And right now we're seeing

(31:21):
a lot of credit issues, a lot of debt. So
if you're looking out there and you're going to go
buy a car, you do not need an eight hundred
dollars car payment. I know it's a nice car, but
you do not need it. Especially if you're looking to
go buy a house.

Speaker 3 (31:34):
Well, out of the six that are denied, okay, do
they just give up and say okay, well I tried,
or how many of them stay with it and say, okay, Mason,
what do I need to work on. I'm going to
come back and see you. And what's a good amount
of time where they can come at bad again?

Speaker 6 (31:50):
So yeah, my goal is one hundred percent because it's
for me. It's never a no. I never say no,
you cannot buy. It's a not right now. And here's
how we get there, right So I always want them
to come back now. Some do get scared, and you know,
maybe they pushed back a couple of years, But for
the most part, I tell them, Hey, if we're not
ready right now, I want you to reach back out
to me in six to eight months and let's just

(32:11):
see where you're at. At that point. We don't need
to repool credit, but let's just reconversate and see where
you're at, and maybe we need to re kind of
evaluate where you're at. But I hope one hundred percent
of those people come back just to see where they're
at a year from now. Maybe they need to lease
at least again for twelve months, but that gives them
that time to work on their credit, save up funds,
and do whatever else they need to do to get approved.

Speaker 3 (32:33):
What advice would you give people that are I don't know.
Maybe there's teenagers listening right now, and I think back
to my school many years ago that then teach us
any of this stuff. They didn't. I mean somewhere I
learned to make sure my credit score was good, but
I don't know when that happened and why or who
told me that however, But I never heard them talk

(32:55):
about it in school. How important your credit score is
very But what would you tell teenager that maybe is
not tuned into having a good credit score. What should
they know at that early age that's going to help
them when they're thirty, thirty five, forty and so on.

Speaker 6 (33:10):
Yeah, I love that question because I see it a
lot where younger kids. Maybe they didn't go to school,
or maybe they're out of school and they started renting
an apartment and then something happened, maybe they met their
spouse or something, and they make that decision. You know what,
I'm just like, I'm not going to make this rent
payment anymore. I will. They can send me to collection
and I'll deal with it. It's not going to hurt me

(33:30):
right now. Oh it's going to hurt them. Maybe not
right then, but five years from now they may go
try to buy home and we see that you haven't
made you didn't make your payments on apartment. You think
we're going to give you a hundred thousands of dollars
to go buy a home when we see that you
didn't make your rent payments. So whatever you're doing now
is going to affect you five years from now or
seven years from now. Right, So don't think just because

(33:53):
I'm not paying on this debt, it's not gonna affect me.
I'll be fine. It will one hundred percent come and
bite you in the butt.

Speaker 3 (34:00):
All have children grand I have grandchildren, and I'm thinking
about them. Other people have grandchildren. They're nine years old
and eleven. The last thing on their mind is their
credit right. I mean, I could see the boy looking
at his tablet. You know he's not thinking about credit
scores at eleven. But as they get older it's so important.

(34:21):
So they need to teach us.

Speaker 6 (34:22):
And so I always make a joke. I saw this somewhere.
I stole this. Someone say I came up with it,
but I was saying, well, when I was four and five,
I should have I should have been buying homes instead
of playing with toys and cars. I would have been
a millionaire, buy now a billionaire. Right right, that's a
good point. Home prices are way cheaper back in the day.
But yeah, you know, it's hard for a younger person
to focus on what needs to be done later in life.

(34:43):
But the car payment is definitely one thing to keep
in mind. You do not need a nine eight hundred
dollars car payment. Get you a reasonable car. Everyone needs
a car, but you do not need a luxury car
in your twenties.

Speaker 3 (34:56):
Mason, you know you're getting a lot of people that
come back to you and referral. What do you think
people are saying when they say, hey, reach out to
Mason Lee for your mortgage. When someone tells someone about you,
what do you think they're saying the moment? What are
some of the things that.

Speaker 6 (35:08):
That's easy communication communication. I think a lot of lenders,
for whatever reason from what I've seen getting in this
business is people are just bad with the phone. I mean,
my phone is strapped to my hip everywhere I go.
I'm a millennial, so I'm addicted to my phone, right
So there's no reason why I should not be able
to get back to your text message or answer your
call within thirty minutes to an hour at the most.

(35:30):
So even if it's a weekend, a Sunday, a holiday, Christmas,
you know, my phone is open and available for those calls.
So that's why I think my business has really taken
off is I'm a very approachable and communicative person. I
think my main thing is to make mortgage is fun again.
People people get so stressed out getting into this they
lose sleep, And my main goal is to make it fun.

(35:51):
And you know, you're looking at homes and that should
be so much fun. You know, just because you having
a turn in documents to get your approof should not
be a stressful process. So I'm here to always talk
with that person and talk through those stressful times and again,
just make it fun, make it a seamless process.

Speaker 3 (36:06):
People are having fun. Just listening to you today, Mason
So Hope breading net work Hope please talk too, boring
Mason Lee. Union home mortgage. How can people reach you?

Speaker 6 (36:15):
Mason Yep mortgages by Mason on social media Instagram, Facebook, YouTube, TikTok,
all that good stuff. And then if you want to
give me a call, I would love to talk with you.
Love to talk to your scenario, talk through your scenario.
So two eight one four three five three two ninety
four two eight one four three five three two ninety

(36:35):
four mortgages by Mason on social media. Look me up
so you can see that I'm real and I close deals.

Speaker 3 (36:42):
You are real. Thanks for being with us today, Mason Lee.

Speaker 6 (36:45):
Thank you so much.

Speaker 3 (36:47):
Real estate matters with Stewart 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 risks facing our
industry today. They invest a significant amount of time helping
real estate broker owners offset and manage their risks. Here

(37:07):
he is with Stewart Insurance. John Bramlett, Howdy Bill. Always
a pleasure here we are once again. The fantastic information
we get with each and every guest each show. It's fascinating,
I think it is.

Speaker 7 (37:19):
And this has especially been a really good show and
a lot of wonderful information for our listeners.

Speaker 3 (37:25):
No doubt about it. You brought Mason on board here
with us. So did bring Mason.

Speaker 7 (37:29):
I was fortunate enough to meet Mason several months ago.
His firm is kind enough to host the risk advisory
group for HR. They've got their offices, I've got really
great meeting rooms, so they host a couple of those groups,
and Mason is always there, always welcoming, always supporting the group,

(37:52):
and that's how we got to meet.

Speaker 3 (37:53):
Well, here we are as far as insurance, John, you
are known around the country at least at least what
you bring forth every week in the insurance world.

Speaker 7 (38:04):
Well, it's it's maybe a serendipity. But I had been
thinking a lot about experiences lately, and that's really kind
of been the topic throughout today's show, is the importance
of experiences and how that can make a difference in
in someone's you know, home buying or selling experience, and

(38:25):
and we we see.

Speaker 3 (38:26):
That a lot in our world.

Speaker 7 (38:29):
And I've had I've had a couple of examples recently
with prospective clients that that I've been working with or
working with members of our team on where well, price
is still important and premium is still important, and that's
an issue, and it's not an issue that's going to
go away anytime soon. There's still an element of the
experiences that were coming across. We were working with the

(38:52):
prospective client last week and we were asking, you know,
what was the driver that led him to sad like
to visit with you all. He had been in a
class that we had taught, and it was just the
experience that he had that is, his current broker was
unorganized and they were unprepared. They weren't they waited to

(39:16):
the last minute to get anything done. They weren't accurate
in the information. You know, they had addresses wrong, and
I mean, everybody makes mistakes, but it but it was
I mean, and it was just was one of those
things that when we were hearing that, I'm thinking, if
that's your problem, we we got to win because we're
not gonna you know, while yes, we do make mistakes.

(39:39):
We're not going to make those kind of mistakes on
a consistent basis, So that was exciting that we had
that opportunity. But it's it's something that I you know,
that you see a lot more of, especially if as
as Mason talked about and and Diana and Leslie talked
about this idea of interviewing clients and getting to know
them and getting a feel that while yes, price is important,

(40:03):
there's always something else that's underlining, and many times it
is that either lack of communication or just the experience
itself wasn't there.

Speaker 3 (40:11):
It's always interesting because the experience and as you're talking
about someone that's not really doing a great job, well,
it's an opportunity. Everything's an opportunity. When we see those
things around us in our profession, it's an opportunity to
bring something forth to elevate the situation and also at
the same time it makes your company or whomever you're

(40:31):
representing look better.

Speaker 7 (40:33):
Well it is, I mean, it's I think you're right,
it's that attitude and how do you perceive it. Is
it a challenge or is it an opportunity? Is there
something that we can learn to get better at or
is it somebody else's problem. And I think if we,
you know, if we take ownership as individuals and as
organizations on the situation, and we have that attitude of
how we can learn better and want to continue to

(40:54):
learn and learn on a regular basis, and then have
the attitude of it's an opportunity when those things come
into play.

Speaker 3 (41:01):
I think it's simple as far as producing the best
possible service and outcome for whomever our client is. That
is systems and procedures. I mean, if we run through
the same systems and procedures and go through the checklist
to make sure everything's right, we're gonna have less of
a chance to make a mistake. And I'm thinking of

(41:23):
an experience. I won't mention the company, but many years
ago I used to work at a Hamburger company and
we had a system and procedure. There was one dollop
of ketchup this the bun was in a drawer. Yep,
And that was decades ago. John, I had a fish
sandwich here before the show. It tasted the same as
it did thirty years ago. Well, it is systems and procedures.

Speaker 7 (41:46):
I mean it is. There was a quote I read
the other day that said, consistency is not sexy, but
it wins every time. And I'm thinking about that. I'm thinking, actually,
that means consist since he is sexy because it wins
every time. And then I was reading a quote from
Tom Brady, the former quarterback from the Patriots and the

(42:10):
Buccaneers that's, you know, many consider the greatest quarterback of
all time, and he talked about the difference between winning
and losing, or success and non success is not that
big a deal. It's just who's willing to be consistent
on a regular basis and who's willing to do the work.
So I mean, it is that idea of being consistent
and following those processes and procedures. But I would add

(42:30):
on to that, there's an element of caring, and there's
an element of genuine interest in what your client's needs are.
And I think if you take those processes and procedures,
that consistency, and you add on top of that that
genuine interest and I want to make sure that you're
properly insured, or you find the right house, or you
get the best loan enable you to find the right house.

(42:51):
You know, that's that's the real difference. That's the secret sauce.
That's right, not to mix Hamburger companies.

Speaker 3 (42:57):
But right well, and along the same lines, something that's
very important is right now as we speak, there's planes
flying all over the world, and that those pilots before
the flight took off, they went through the systems and
procedures and the checklist and if it didn't check out, well,
the going to be flight to lay.

Speaker 7 (43:16):
Well and and and it's not a it's not a
direct line from flying from you know, Houston to Chicago
is not a direct line. They're gonna they're going to
deviate off their path due to weather conditions. We're going
to deviate off our path just based on things that
happen in life. But if, as you say, if we
know where where our outcome is and we follow those

(43:37):
processes and procedures, we'll get to where we need to
be when we need to be there.

Speaker 3 (43:40):
And we talk about outcome. In the world of Stuart insurance,
that is to be properly insured. So when we talk
to a Stewart associate about our insurance plan, whether broker
E N O, whether it's for our home car. The
other end of the phone, if it's a phone call,
we know that it's Stuart. They're saying, we want this
person to be properly in sured and that's the key.

(44:01):
It is work towards it.

Speaker 7 (44:03):
It is I mean, we want to make sure that
people understand, you know, and Dyana mentioned this a bit
that you know, want to make sure that people understand
the coverage that they do and don't have, and it's
it's it's important to understand based upon what that premium
is or what your deductibles are, what is and is
not included in that plan. And as long as people

(44:25):
or companies are understand that and we're comfortable with that,
then you know, in our world they're properly insured. What
we want to layer on top of that is this
idea of a VIP service or or we call it
jaw dropping and experience where people truly feel like they've
been understood, that we truly understand what their needs are.

(44:45):
Are they risk averse? Are they not risk averse? Are
they just looking for something for coverage in case of
a catastrophe or they want to make sure that they
want to offset most of it onto an insurance company. Well,
we don't know that unless we have that. You know,
that conversation we want that to be amazed that when
they're done that they're saying, we had that kind of
experience when we're talking about insurance. You know, we want

(45:07):
people to be amazed. We want them to be in
power so they can make that right decision. And then
when we're working with them, they want to feel like
that we're the only person, that the only client that
they have, that we have is them and it's not
like I got to check this box and hit the
next the next call. Every touch that we have with folks,
whether it be working with an advisor, working with one

(45:27):
of our service people, meeting folks through real estate matters,
are classes the associations that we're active in. You know,
it's it's a chance to provide that good experience, to
provide that, you know, to build that relationship, and that's
important to us.

Speaker 4 (45:43):
Well.

Speaker 7 (45:43):
If you would like to be properly insured, whether it
be for your personal or family's insurance, you can reach
us at eight sixty six seven nine eight two eight
two seven. If you'd like to have your business be
properly insured. If you're a realtor, real estate broker, independent
title and attorney agent, we can help you with your
business Insurance as well, and again reach us at eight

(46:04):
sixty six seven nine eight two eight two seven. To
learn more about us, you can visit Stewart Insurance dot
com or email us at Stuart Insurance.

Speaker 3 (46:11):
At Stuart dot com. And if someone's in Kingwood, what
numbers should they call?

Speaker 6 (46:16):
Well, we just.

Speaker 7 (46:16):
Established the new Kingwood hotline for Jeremy at the Stewart
Title Office and that's eight six six seven nine eight
two eight two seven.

Speaker 3 (46:23):
So I thought you'd say, John, thanks for being with us.
Always a pleasure.

Speaker 6 (46:26):
Bill.

Speaker 3 (46:27):
Well, as we wrap up the show, Leslie Learner is
back with Leslie Learner properties with learn More and oh yeah,
Trek Commissioner, welcome back, Leslie.

Speaker 4 (46:36):
Thank you, Bill.

Speaker 3 (46:37):
Well here we are. What else should people know about
all those things that you're doing.

Speaker 4 (46:41):
I was just listening to John talk about insurance and
what's included in policies and not included in policies, and
learn More is made for that. Learn More we'll tell
you exactly what that policy says. So if you want
to give learn More a try for any of your
documents or contracts or agreements, but I would love you
to try it. It's learnmore dot com. It's learn more
without an a L E R N M O R

(47:03):
E dot.

Speaker 3 (47:03):
Com learnmore dot com. So it give us an idea
how learn more works. What's the first step. Let's say,
whatever the contract is, I would have to I guess,
have it in front of me or would I just
DF Yes, So I'm going to have a PDF. I'm
looking at how do I start to learn more process?

Speaker 4 (47:21):
So you get on the learn more website, you drag
and drop it in. It'll tell you how many pages
there are, what it'll cost to translate it, and give
you meaning for every single paragraph of that contract. It
will then analyze it. It will send you an email
when it's done in a couple of minutes and say
your document's ready to view. You can also share. You
can also e sign on that same platform, so it's

(47:45):
really cool. Just by uploading your document, you're given that
many things. And you can also set up templates. Like
if you're a real estate agent and you send out
the same form over and over and over again, you
can set up a template and your client's can signed
straight through there after they understood what they're about to sign.

Speaker 3 (48:02):
So you really built some convenience features in there. To
say the least. But I'm also in admiration in that
you simply drag it over and it could change the language,
and it gives you a quote before you buy it.

Speaker 4 (48:15):
Correct. And it's a subscription based platform, so you it's
very minimal costs per month and you have chances to
upload whatever you want that whole month.

Speaker 3 (48:25):
Fascinating. And here we are in Houston, Texas. But I'm
gonna imagine that this is someone could do this in
Ohio or.

Speaker 4 (48:32):
Wherever anywhere internationally or here.

Speaker 3 (48:35):
It sounds fantastic.

Speaker 4 (48:36):
It can go from one language that is not English
to English, so it can go either way.

Speaker 3 (48:40):
Even if it speaks Michigan too.

Speaker 4 (48:42):
I mean, let's see, it may have a little accent,
no doubt it does have text to speech.

Speaker 3 (48:47):
Look at that. Well, Leslie, let's tell people and also
with Leslie Learner Properties, you're helping buyers and sellers every day.
Let's tell people how they can reach you.

Speaker 4 (48:57):
Leslie Learnerproperties dot com or seven to one three nine
ninety nine hundred, Leslie Learnerproperties dot com seven one three
four eight nine ninety nine hundred.

Speaker 3 (49:06):
Thanks Leslie for being with us, Thank you for having me.
And now Diana Hefner is back with Remax Northeast. Diana,
welcome back. What else should we know about what you're
doing up there in the Liverpool Forest and even beyond, Well.

Speaker 5 (49:21):
I'd like to say that I also love to work
with sellers. We talked about buyers a lot. They can
reach out to me and I would love to meet
with them and do a CMA for them and let
them know what the value of their house is and
talk about the steps that we would take in order
to get their household for them.

Speaker 3 (49:40):
Well, let's give people an idea just in case. Certainly
here in Houston, a lot of well maybe some people
haven't been to the Kingwood area even though they've lived
in Houston many years. But if someone's outside of Texas
and they're wondering, man, there's so many places in Houston
to live. If they called and said to you, Diana Hefner,
they said, Diana, tell us tell me about Kingwood. Paint

(50:02):
a quick picture of what they could expect and why
maybe Kingwood should be the place versus tom Ball or
whatever else.

Speaker 5 (50:09):
Well, Kingwood is a great master planning community and that
means that everything that you would need is within your community.
We have our own post office. We have two Hb's.
We're getting a Sprouts and a Trader Joe's I've heard,
which is very exciting for us.

Speaker 3 (50:24):
In king people get excited.

Speaker 5 (50:25):
We have a great school district. People move to Kingwood
just for the schools, highly rated schools, great community. We
have a town center that has community oriented events such
as Easter Parade, we have a Fourth of July parade,
and it's just great community that everyone serves each other

(50:49):
and welcomes new neighbors into their neighborhoods.

Speaker 3 (50:52):
You never know, someone from Afar could be listening and
they're going to say, Hey, I need to reach out
to Diana Hefner. Let's tell them the number.

Speaker 5 (51:00):
My number is eight three two seven one five for
zero two two. That's eight three two seven one five
for zero two two. And they can reach me on
my website, which is Diana Hefner sells homes dot com.

Speaker 3 (51:15):
Diana Hefner sells homes dot com. Thanks for being with us, Diana.

Speaker 5 (51:20):
Well, thank you so much for having me. I enjoy it.

Speaker 3 (51:22):
We'd also like to say thanks to Jeremy Ragsdale doing
tremendous work for Stuart Title up there in the Liveaboo
Forest and you can reach Jeremy right up there at
two eight one seven two three, four thousand and one.
That's right. He's doing tremendous work at Stuart Title in Kingwood.
He's there to help you reach out to him. Jeremy Ragsdale.

(51:43):
And now Mason Lee is back. Since we talked to
you last Mason, maybe the interest rate went up went down.
We don't know, but we don't care. By the house
now right.

Speaker 6 (51:53):
Absolutely, bye bye it when you're ready, when it's comfortable
for you. Well, one thing I always like to say
to my clients is because a lot of times, you know,
they'll look at me. I'm like, man, this guy's young,
what does he know in this business. Well, in the
past five years, I've closed over two hundred loans and
eighty million of volume. So I'm here to close loans.
And then I always say I'm your lender for life.
You know, I'm turning thirty this year, so I'm here

(52:13):
for your next purchase, for your third purchase, for your
fourth purchase, and all those three finances. So I'm always
here to help. Unless I win the lottery, then I'm
moving to Thailand. You're probably never hear from me ever again.

Speaker 3 (52:23):
Of all the places, why Thailand.

Speaker 6 (52:25):
It's just a beautiful place, and it's cheap. I like cheap.

Speaker 3 (52:28):
And if you hit the lottery, that's going to go
an extra long way over there.

Speaker 6 (52:32):
Nice house over there.

Speaker 3 (52:33):
Absolutely thirty. And let's tell people how they can reach you.
Mason Lee with Union Home Mortgage.

Speaker 6 (52:39):
Yep, you can give me a call anytime. I don't
have office hours two eight one four three five three
two ninety four. And then if you want to follow
me on social media to learn about mortgages, mortgages by Mason.

Speaker 3 (52:51):
Mortgages by Mason. People can't forget that again. The phone
number is.

Speaker 6 (52:55):
Two eight one four three five three two ninety four.

Speaker 3 (52:59):
Thank you Mason Lee, and thank you all for listening
to Real Estate Matters with Stewart Title. I am your host,
Bill Nappick, together with John Bramblin, all of us at
Stuart Title and Stewart Insurance. We appreciate you listening. Please
tell your friends and we will see you next week.
You can go to Stewart dot com and see how
it's Stewart dot com Forward Slash Radio and you can

(53:21):
see how young Mason looks is going to be turning
thirty looks fantastic, as all our guests do here today
at Stuart dot com, Forward Slash Radio, We'll see you
next week.

Speaker 2 (53:31):
When it comes to real estate, everything matters whether you're
a broker real it's her homeowner, buyer or seller. For
informative and entertaining information when it comes to owning, buying,
and selling real estate, tune in Sundays at five pm
to real estate matters with Stewart Title Fronts You by
Stuart Insurance