Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Welcome to the Business Happy Hour radio show with your host,
Frank Debankkodo, the owner of Lincoln Lending Group right here
in Tampa Bay for twenty three years, joined by his
incredible co host, Senia Akishna, realtor with Mahara and.
Speaker 2 (00:14):
Associates, Tampa's top real estate company.
Speaker 1 (00:17):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (00:23):
If you're looking for local mortgage or real estate advice.
Speaker 1 (00:25):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade.
Speaker 2 (00:30):
Listen right here, or fight us on the Business Happy
Hour YouTube channel.
Speaker 1 (00:34):
Or follow us on Instagram at Frank Thebankkodo. Now, sit back, relax,
and get ready for some serious mortgage, real estate and
business talk with two of Tampa's top experts.
Speaker 2 (00:44):
Here's Frank de Bank and Senia.
Speaker 3 (00:47):
All right, Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial,
and I am your host. That's right, Frank the Bankkodo,
the owner of Lincoln Lending Group right here in Tampa
Bay twenty three years. We have been in business here
in Tampa Bay and yes, I'm getting the Instagram on guys.
(01:08):
I know everybody's complaining and saying.
Speaker 2 (01:09):
Where are you?
Speaker 3 (01:10):
You're not on Instagram? There you are? Now I am.
And we're gonna invite all of our friends to join
us on Instagram right now. Actually, Sydney, if you want
to ask to join, that'd be great and we'll get
marrying them on the Instagram. We've got a great show
for you guys today. We have an amazing event that
we're going to be talking about that is going to
be right at Guitar, which I think they now call Star.
(01:33):
What is it? Why do they call it that? What
is it? What is a Standford?
Speaker 4 (01:35):
Anybody composes panelas Hillsboro and Pasco. So it's the Sun Coast.
Speaker 3 (01:45):
Oh, I thought you. I thought she was on a roll. Everybody,
I'm sorry, do you know what it is like? Okay?
Hold on, Ryan terrible, Okay, we're googling it here. Hold on,
I'm gonna type it and Star Tampa. All our listeners are.
Speaker 5 (02:02):
Like Sun Coast Tampa.
Speaker 3 (02:06):
SUN. That's a Sun Coast Tampa Association of Real Attuurs.
So that is what Star is, Sun Coast Tampa Association
of Real Attors. That is where we're going to have
this now. It used to be called g TAR. I
need that one volume for Greater Tampa Association of Realtors
and you have pro Penella's realtor organization and who knows
(02:29):
what's in Pascow. And by the way, that voice, okay,
you guys have never heard that voice. A matter of fact,
that voice has never been heard on radio before. That
is this is the first time that voice has ever
been on the radio waves anywhere. Never again, never again.
(02:53):
That is Mary Mary Moore from Stewart Titles. She's the
Business Development Men officer. Hey, welcome to the show. Mary
a round the blause and of course my amazing co
Hostinia Aikeisha. Thank you so much for being here today.
How are you?
Speaker 5 (03:06):
Thanks for having me.
Speaker 3 (03:07):
Yeah, how was your vacation?
Speaker 5 (03:08):
Oh man, it was it was great.
Speaker 3 (03:10):
You went on the cruise last week, right, and on.
Speaker 6 (03:11):
The cruise it was so much fun. We'll definitely be
going again.
Speaker 3 (03:15):
It was your first cruise.
Speaker 5 (03:16):
First cruise, but yeah, definitely not my last.
Speaker 3 (03:19):
So tell us about your first cruise.
Speaker 6 (03:22):
It was filled with activities so honestly, like you know
how every vacation it's just exhausting, but still exhausting.
Speaker 7 (03:29):
Did you get up well with the little one?
Speaker 5 (03:32):
Because we're all, you know, in the one room.
Speaker 6 (03:34):
And yes, so still waking up early, tough time going
to bed.
Speaker 3 (03:39):
You know how many kids with you too?
Speaker 4 (03:41):
Too? Okay, that's enough, Yeah, that's enough.
Speaker 3 (03:44):
Yeah, that sure is right.
Speaker 7 (03:45):
Are you on?
Speaker 3 (03:46):
Are you on Instagram?
Speaker 4 (03:48):
I am?
Speaker 3 (03:48):
What's your Instagram?
Speaker 4 (03:49):
Mary dot Moore.
Speaker 3 (03:51):
I'm hr find you.
Speaker 4 (03:53):
Mary there you guys tell me Mary tittle More. The
people are but I'm trying to get him toe.
Speaker 3 (04:01):
So we may have to fix this for you for
the second segment, because I don't see you're not coming
up when I try to invite you on the Instagram. However,
you Ryan, Ryan, go ahead and rest request to go
on our Instagram.
Speaker 7 (04:10):
My friend, I got notes here for the radio show
and all kinds of stuff. I don't know if I'm
going to be able to get on there with you,
but I suggest everyone joins Instagram. Frank the Bank, Hodo, please?
You got too many notes? I can't even I can't
even give up my phone right now.
Speaker 3 (04:24):
Oh that's true, you have your phone. Okay, so we're
gonna get what happened? Did I kick off all kinds
of good stuff? Well sendya you on Are you frozen?
What just happened? Well, well, here, we're going to re
accept you. We're going to figure this out. I know
it's like, oh, I'll send you maybe saying maybe you
can help Marry out with her Instagram real quick while
(04:45):
we'll get that done. I tried, but it did not.
It's not coming up when I try to invite her. Right,
Ryan able to do it. So, guys, So on the
show today, we're gonna be talking about this amazing event.
It is going to be a lunch and learn. We
try to do these every month. Mary's joining us because
Stewart Title is a co sponsor of this lunch and learn.
It is going to be like we said at Star
(05:06):
g Tar, whatever you want to call it. It is
on Kennedy. What is the address on Kennedy?
Speaker 5 (05:11):
Mary two.
Speaker 4 (05:13):
Kennedy two nine.
Speaker 3 (05:14):
One eight Wes Kennedy. But we need you to register
for this event. So how are you going to register? Simple?
I'm gonna put it on the Instagram Live. I'm going
to put it on the Frank the Bank Instagram page.
I'm going to put it on the Lincoln Lending Instagram
Facebook page, and the Frank Coto Facebook page all over
there for you guys can do. But uh, you can also,
I'm sure just go to evite anytime and pull it up.
(05:37):
And I'm willing to bet on ev what is it?
Event Bright? See I'm saying the wrong thing. Don't go
to evite. Whatever you do, go do event Bright.
Speaker 4 (05:44):
August seven, Thursday, Thursday, guys, hold on, is this for
real estate professionals or it sure is?
Speaker 6 (05:52):
Yes, You're gonna have all kinds of people showing up,
that's true.
Speaker 7 (05:57):
Or real estate amateurs as well. Yea, that is true.
Speaker 3 (06:00):
Let's say maybe you're a real estate investor. That's a
great point, Ryan, maybe. And by the way, guys, that's
Ryan Owens, mortgage broker, social media expert extraordinary for Lincoln
Lending Group. Ryan, how are you doing today?
Speaker 7 (06:11):
You know what? I got a little intro t Can
I do that so we can clip that out too. Yeah,
let's introduce Ryan's intro Tampa Bay. This is Ryan the
Rhino Owens with Rhino Mortgage charged by Lincoln Lender Group,
your wholesale mortgage broker bringing you more options, better rates,
and no junk fees. With over a decade of Tampa
Bay real estate experience. I'm here to help you buy smarter,
(06:31):
refinance better, and invest wiser. All right, let's go, hey.
Speaker 6 (06:35):
Wow, how many how did you practice that?
Speaker 3 (06:40):
And by the way, Ryan's gonna fill in on the
radio show every once in a while, so you guys
might see Ryan's face or I love radio that clearly
he doesn't want to be on video. He just loves radio,
that's all he.
Speaker 2 (06:53):
Side. I know.
Speaker 3 (06:54):
I like that. I can tell you no.
Speaker 5 (06:55):
I wish I could just.
Speaker 3 (06:56):
Say no, Frank, no, nobody else can no. The only
reason I'm letting him do it is because the guy
has a camera set up of his own on here
doing his own video, and I have him. I have
him on video through Yeah, we're going to.
Speaker 7 (07:07):
Be talking about social media at this lunch and learn,
so I have to practice what I preach, So I
have to do it he does. It's not a negotiable
for me.
Speaker 3 (07:14):
It is not. No, it is not matter of fact.
Here's what you're going to do. By the way, you
can go to evite or event bright. What is we want? Event?
Speaker 5 (07:20):
Event right?
Speaker 3 (07:21):
Event bright? And it's called social media one oh one
plus knowledge is power? So who is it for real
estate agents? Really, it's talking to the professionals. Okay, if
you are in real estate, if you are a real
estate investor, if you are a mortgage loan originator, that's
something we don't talk about. Maybe you want to come
and learn what Lincoln Lending does different and better than
(07:41):
everybody else. Great place to go is this seminar right
here called social Media one oh one plus Knowledge is Power.
Ryan is going to speak for about forty five minutes
to an hour and he is going to teach you
how to do a real. You're gonna do you guys
hear music in the background. Am I crazy?
Speaker 4 (07:58):
You are crazy? And yes, there is music.
Speaker 7 (08:00):
It's a little like ducktails music or something. There's some
sort of Disney channel.
Speaker 3 (08:05):
Where is.
Speaker 7 (08:06):
It's a playful day here at.
Speaker 3 (08:08):
I feel like I hear I know, I hear ducktails somewhere.
So somebody's phone is playing ducktails. We have to figure
that out. And is it Mary? Yeah, you playing ducktails.
So that's right. So anyways, Ryan's going to teach about
social media, is going to teach you how to do
a real. If you've never done one, You're gonna walk
out there and you will have done your first reel
(08:28):
on Instagram. I promise that will be real. He's going
to teach you how to post, He's going to teach
you the importance of doing this, the frequency. Ryan, What
else are you going to teach?
Speaker 7 (08:36):
I'm not just gonna teach. I'm gonna actually, and in
the very safe distance, I'm gonna get in your face.
I have been teaching social media and video marketing for
ten years in Tampa Bay now, and so many of
you have been reluctant to do it. I don't think
the normal presentation is going to work anymore, or the
normal slides. I really want you to leave empowered, and
the main theme is that every single video that you
(08:57):
post is a lottery ticket. So that's the main thing
you're going to be leaving away understanding that every video
that you post is a chance at thousands of views
and thousands of dollars in commission if you do it right.
Speaker 3 (09:10):
Thousands, I think hundreds of thousands of dollars. Yeah, it
should be with consistency, Absolutely, with consistency. Can I like
what you says?
Speaker 4 (09:17):
Free are charging for this event?
Speaker 7 (09:19):
I should? I should. I will post my Venmo cash
app and PayPal if you feel so inclined. But no,
it is free, believe it or not, because the information
you're gonna get can make you a lot of money
and you can feel free to pay it forward. That's
exactly right. You guys are going to get this for free,
and you're going to get a free lunch. By the way, Mary,
Mary and Stewart title taking care for lunch. She had
(09:40):
something very exciting. Mary tell us about lunch.
Speaker 4 (09:42):
Well, it's gonna be Thursday t taco Thursday. Yes, yes, Well,
a good friend of mine owns Divno's Tacos in Clearwater
and he'll be furnishing three types of and it'll be
all ready for you. Don't worry. You don't have to
stand outside at the truck. We wouldn't do that to you.
But yeah, we'll have some great size dessert and I'll
have a few months to speak about. Oh, here we go.
(10:03):
Thank you are.
Speaker 3 (10:08):
What is it called Divino's Tacos.
Speaker 4 (10:11):
Diveno's able to meet the owner himself, Solious. It's gonna
be just a great day.
Speaker 3 (10:15):
I love all right, Now, turn down the volume on
your phone. But we got it. We actually got Mary's
phone working on here. She's going to be on Instagram
her first time ever on Instagram. Nice, I bet you, Mary, Mary,
have you ever done reels before?
Speaker 2 (10:29):
Oh?
Speaker 3 (10:29):
Mary's gonna learn how to do a real d's right.
Don't be scared, I will say, guys, Ryan is such
a good teacher of this stuff. He's not just gonna
get up there and put slides on the screen. I
promise He's actually going to show you how to do it.
This is going to be interactive. So if you just
want to learn about the social media side, get over here.
Ryan's going up first. I'll be going up after Ryan
(10:50):
talking about the most creative products in the industry that
you never knew existed. So get ready again. This is
on event bright. You can look it up as social
Media one oh one plus Knowledge is Power at the
g TR Suncoast on Thursday, August seventh, eleven forty five am.
We'll mention it again on the show and I'll make
sure I put it in the comments for you guys
(11:11):
as well.
Speaker 4 (11:12):
So you can just email me Mary m a r
y dot m O h r at Stuart dot com,
sd E W a art dot com.
Speaker 3 (11:18):
There you go, easy, one more time. What's the email
if they want to register?
Speaker 4 (11:21):
Mary m a R y dot more, m O h
r at Stewart dot com, s T E W A
r T dot com.
Speaker 3 (11:28):
Quick, yeah, he said, quick, Wrisper and talk into that.
I'm sorry you'll be scared of that mic tray to
be too loud.
Speaker 4 (11:35):
What was I thinking? I'm with you, guys, that's right exactly.
Speaker 3 (11:38):
Samiel is like, what is going on? So, guys, we're
gonna take a break. When we get back. Your favorite
part of the show, real estate statistics. And Ryan brought
something interesting for us today when Senny and I talked
about the market. Hopefully she has good news for me.
If not, I'm kicking her off the roof. Ryan's going
to talk about statistics on your real estate agents. So
stay tuned to The Business Happy Hour with Frank the
(11:58):
Bank and Senia A Kisha from Maharan Associated.
Speaker 1 (12:01):
All the best get your real estate advice from Tampa
Bay's top experts. It's the Business Happy Hour with Frank
de Bankkoto and Seni.
Speaker 3 (12:10):
All right, guys, welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.
I am your host, Frank the Bankkoto, the owner of
Lincoln Lending Group, and eight one three mortgage in. It
has been a hell of the summer. I gotta say,
more travel than I've ever done. I told my wife
she has to put Like I said, I don't know
what to tell you to do. You need like a
board or a book or something, and we need to
(12:31):
call it Summer Vaca twenty twenty five because god dang,
I feel like I was like not even in my
bed all summer. But I will say the kids had
a great time. I got I actually got like hugs
and happiness and stuff. It's like, right, I mean.
Speaker 4 (12:45):
Now you know that's all. I have to spend thousands
of dollars and you'll get hugs.
Speaker 3 (12:50):
Okay, this is kind of sick to you. The funniest
thing is the shortest, cheapest vacation that we went on
with just a little scalloping trip to Crystal River, and
they were like that was our most fun. We had
more fun there. I'm like, you didn't like like Zuma
or or like the mountains or Atlantis. Yeah, I mean,
I was like, you didn't like these private islands and stuff.
They're like no. I was like, now I know where
(13:12):
not to take you. So I actually told my friends.
I was like next time, we're just gonna runt a
house and go scalloping and that's it and then Daddy
will go somewhere else.
Speaker 7 (13:19):
Anyway, that's a good plan.
Speaker 3 (13:20):
And Sania, you had a great summer as well. You
had that nice vacation. What boat did you go on?
Speaker 5 (13:24):
Yes, it was the Disney Dream.
Speaker 3 (13:26):
Oh it was Disney, that's right, Yes, dude, it was it.
Not Disney Magic.
Speaker 5 (13:30):
Oh my gosh.
Speaker 6 (13:31):
Just the service, impeccable food, I mean, all the stuff
they have.
Speaker 5 (13:36):
For the kids, and I mean even for me. I'll
be honest.
Speaker 6 (13:38):
When I saw the characters, yeah, like you they're dancing.
I mean it kind of just yeah, brings you like.
Speaker 7 (13:43):
A kid again.
Speaker 6 (13:44):
And it was it was so much fun. And we
went to the private islands for Disney, so yeah, kind
of like you know, Caribbean, I guess. But they were gorgeous, right,
and it was really cool that really it's just your
cruise ships, so it wasn't like touristy, you know, just
the people from your cruise and the water.
Speaker 5 (14:01):
And the sand. How many days activities? We did a
five day, five day okay, yeah, which is.
Speaker 3 (14:06):
It's good, you know if five is kind of like
the magic number you're seven, I like them can get
a little long. Three and four you feel like you're
like a little you know you kind of you know,
you don't want to be on the ship longer. Let
me ask you did you do the kids club?
Speaker 6 (14:18):
I was just going to say, you know what, for me,
I probably could have used the extra two days because
we figured out the kids club almost like on the
last day, and I'm like, oh man, because we really
could have used more of a break from the little one.
Speaker 3 (14:29):
What does that mean?
Speaker 6 (14:29):
What is anxious? You can drop your kid off and
you know, I can't like.
Speaker 3 (14:34):
A pager or something or like a wristband or something, right,
and like if your kids won out, they call you
and like I get you good. That's pretty much all
that works.
Speaker 5 (14:42):
Yeah, yeah, that was really cool.
Speaker 3 (14:43):
So so next time you do the same next time?
Speaker 6 (14:45):
Yeah, that's it's or we just use the kids club
more from day one.
Speaker 3 (14:49):
Not a bad idea.
Speaker 2 (14:50):
Yeah.
Speaker 3 (14:50):
Cruises, I'm a big fan of cruises. Just everything's done
for you.
Speaker 4 (14:53):
It's just easy, you know enough. I should mention this
where you got here. We talked about the Poop Cruise
on Netflix. It wasn't like that.
Speaker 3 (15:01):
So my kids show that to me this weekend scalloping.
I didn't think it was real.
Speaker 4 (15:06):
Yeah, you didn't hear me, Remember you don't remember hearing
about that years ago.
Speaker 3 (15:09):
It's like a Netflix thing or something.
Speaker 7 (15:10):
It's real. It's real.
Speaker 3 (15:11):
It's real. Like they were like pooping and like like
keeping it in bags.
Speaker 4 (15:15):
And stuff, still suffering frost, keep it under wraps.
Speaker 5 (15:18):
Because after seeing that, and we saw it before.
Speaker 3 (15:20):
The freezing, like, oh gosh, man, I would have been
talking it off the side of the boat. I'm just talking.
Oh no, I was sorry. I'm a fishyater.
Speaker 7 (15:27):
And by the way, Happy Gill Moore two's out in
case you don't want to watch the poop cruise.
Speaker 5 (15:30):
I saw it.
Speaker 3 (15:31):
Did you see it?
Speaker 4 (15:32):
Ryan's sick?
Speaker 7 (15:33):
Oh yeah, that's aught.
Speaker 3 (15:34):
It was good. The cameos were phenomenal. Right, look, I
don't want anything new. I want nostalgia. Okay, nineties were
the best. We're in this hell hole Moon Is twenty
twenty five.
Speaker 7 (15:42):
Yeah, so I really liked the nostalgia from nineteen ninety six.
Bring on the cameos. Yeah, and the callbacks. I love it.
Speaker 3 (15:48):
It was great. And John Daily, you know I mean
that guy like best actor who's not an actor? In
the world. Yeah right, So the guy is basically drunk
on set and just talking to happy you know.
Speaker 7 (15:59):
And you know if you have put vodka in your
Arnold Palmer that is now a John Daily you know,
the right exactly.
Speaker 3 (16:04):
Wait, we don't have any of those anyway, not today.
So guys, we're having so I get the energy in here.
It's amazing. So we're gonna remind you one more time
about the event. We'll do it once a segment here,
so go on and registr. I'll make sure I put
it in the In the things, you can join real
estate agents, investors, mortgage loan originators, if you want to
learn about all the most creative products in the industry,
and if you want a Ryan to teach you before
(16:25):
you walk out how to do a reel and to
start your social media career. Guys, even Frank the Bank
did his first post one day and look where it goes.
So make sure you join us. It's this Thursday at
Star g Tar. We'll get your registered and Marrio get
you some tacos.
Speaker 4 (16:39):
It'll be a lot of fun. I'm happy to he
took some time off June. In July, I feel potter,
but it was on vacation. Let's get back to work
and let's go to star on Kennedy and learn some
stuff and have some good tacos.
Speaker 3 (16:51):
I love it. I can't wait. Eleven forty five. That's
what time we want you there. Ryan goes on stage
at twelve, so it makes you get there and get
your tacos. Send you high noon, high nuns. Let's you
see my post about that. By the way. Anyway, Sidia stats,
let's get rolling on this. I love this part. I
have the listeners text me all week long saying, oh,
what about the stats, what'd you do last week?
Speaker 6 (17:10):
Okay, well, I'm excited because we do have June numbers.
I always like saying, you know the new numbers. And
I think as we predicted, our closed sales were actually
up across the board for June in Hillsborough County up
six point one percent year over year, seven point three
percent and Panelas and eight percent in Pasco. So that's
(17:32):
sales volume. So that just means we had more activity.
You guys, I'm sure were.
Speaker 5 (17:35):
Closing more loans than in May. So yes, good stuff.
Speaker 6 (17:40):
Our median sales price in Hillsborough was at four hundred
and forty thousand, Panella's four hundred and fifty five thousand,
and Pasco at three eighty five.
Speaker 3 (17:50):
Okay, so you gotta go a little north to get
the deals.
Speaker 5 (17:52):
Yeah.
Speaker 6 (17:53):
So in Hillsborough, actually it was up year over year
by one point one percent. Ok Kanella's Pascal was down
a bit. But I also did a calculation from May
to June, so we were up in Hillsboro two point
three percent from last month on media and sales price. Okay,
down just a little bit in Panela's by one point
one and Pasco was up two and a half percent.
Speaker 3 (18:14):
I mean, I would say that's pretty stable if you
ask me, these.
Speaker 5 (18:18):
Numbers look pretty stable to me.
Speaker 3 (18:20):
So you're telling me all the clickbait that's telling me
that the values in Florida are dropping like a rock.
Just or not true.
Speaker 6 (18:24):
My husband said something and he said, you know Tampa specifically.
I'm like, I don't know, Like if they're picking out
like pockets of Tampa, you know, I mean this is
all of Hillsboro.
Speaker 5 (18:32):
You know, Hillsboro's big.
Speaker 6 (18:33):
Yeah, but it means still, like I just I don't
understand where the information comes from.
Speaker 3 (18:37):
So, Ryan, you live out in uh Western.
Speaker 7 (18:39):
I live out in New Tampa.
Speaker 3 (18:40):
Yeah, tell us about that, because I feel like your
real estate moves out there.
Speaker 7 (18:44):
Oh it's moving, because we have a lot of great
things popping up around the neighborhood, family new arts centers
and new parks getting built and all that types of stuff,
and there's there's still affordable housing out there, right. But
one thing I wanted to say that that Cocinia just
made me think about, is that Arcinia made me think about,
is that there's no real estate market that doesn't exist.
There's no real estate market. Real estate is hyper local,
(19:04):
by neighborhood, by road to road. There's no real estate market.
So when someone says the real estate market's doing this,
they don't know what they're talking about. It is hyper
hyper local.
Speaker 3 (19:16):
And that's why you can hear one guy say, my
house has been on the market for six months and
it's not selling yet in your neighborhood. I bet they
don't sit there for more than a few weeks.
Speaker 7 (19:25):
No that I don't know what the exact time on
market is, but.
Speaker 5 (19:28):
Oh no, thirty seconds.
Speaker 3 (19:30):
Well, well too, when we get back from the break,
where we're going to talk a little bit more about
the statistics and Sydney is a explain to us what
do they mean? Because I can tell you right now
it's good news, it's not bad news. And I want
to talk about how long they're on the market, things
like that, and then we're going to talk about statistics
on actual real estate agents. Ryan has brought something to
the table. We'll do after our stats that I've never
done before talking to Siniya. Get ready because you might
(19:52):
be on this list, Okay, at the top of it.
Speaker 7 (19:55):
At the top of the list.
Speaker 3 (19:56):
We'll be back in the Business Happy or Mary from
Steuart Tyle, Ryan from Lincoln n Group, Senia from Maharran Associates,
and Frank the Bank.
Speaker 1 (20:02):
Stay tuned, Sam, Welcome to the Business Happy Hour radio
show with your host, Frank Debank Coodo, the owner of
Lincoln Lending Group right here in Tampa Bay for twenty
three years, joined by his incredible co host, Senia Akishana,
rialtor with Mahara and Associates.
Speaker 2 (20:19):
Tampa's top real estate company.
Speaker 1 (20:21):
Together they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (20:26):
If you're looking for local mortgage or real estate advice.
Speaker 1 (20:29):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade.
Speaker 2 (20:34):
Listen right here.
Speaker 1 (20:35):
Or fight us on the Business Happy Hour YouTube channel,
or follow us on Instagram at Frank Debankkodo. Now, sit back, relax,
and get ready for some serious mortgage, real estate and
business talk with two of Tampa's top experts.
Speaker 2 (20:48):
Here's Frank the Bank and Senia.
Speaker 3 (20:50):
All right, guys, we are back on the Business Happy
Hour and we are having a lot of phone over here.
We've got Mary from Stewart Title. She's the business development officer.
She's doing the tacos at the event this Thursday at
gitar Now it's called star On probably for the Better,
but no she has it's Divinos. Is that Divinos in
(21:14):
Clearwater setting up the tacos? You guys can register. I'll
try to get that link put into the Instagram thing
right now for you.
Speaker 4 (21:21):
Uh.
Speaker 3 (21:21):
We do have limited space, so make sure you get
a registered right away if you'd like to join that.
We would love to see you there and Ryan will
be teaching social media. Senia will hopefully be there just
hanging out with us, having fun. But you can always
talk to her about any real estate needs. And we're
going to find out if she's on that realtor list
here in just a couple of minutes, because Ryan's got
some interesting thing about the uh, the job numbers. We're
(21:44):
going to talk about and we're going to talk about
real estate agents. But before we do, Sinia has prepared
these stats and has a lot of work into it.
So I want to find out more from Sinia on
what's going on with the June numbers.
Speaker 6 (21:56):
Okay, well, yeah, to finish those up. So month's supply Hillsborough,
Cowany's four point two months four point nine, and panelas
and four and Pasco Okay. And the reason I say this,
and to your point and the last segment about real
estate being hyper local, it really is. So I looked
(22:16):
at Florida numbers and even though closed sales all across
Florida were up by two point eight percent, okay, their
medium time to contract is forty six days.
Speaker 5 (22:26):
Well not theirs, I guess. This is all of Florida.
Speaker 6 (22:28):
So there are definitely areas that are not quite as
popular as ours. But in Hillsboro we're only at twenty
eight days. Wow, time to contract, meaning you list your
home and the amount of days.
Speaker 3 (22:38):
Of ten do you have all of Florida. What is that.
I'm curious. Forty six forty.
Speaker 6 (22:42):
Six, But even for our our MSA, it's at thirty
five days.
Speaker 5 (22:48):
Wow, we're still ahead of the curve on that.
Speaker 3 (22:50):
And that's like the whole area.
Speaker 6 (22:51):
Yeah, Hillsborough, Panella's Pasco Hernando, Right.
Speaker 3 (22:54):
So I mean, I just everything you're saying. I hear
stable market, I cable market. You know it's and we're
getting a little bit more supply. I know some people
are saying listenings are you know, taking longer marriage.
Speaker 4 (23:06):
Sixty ninety days apparently.
Speaker 3 (23:08):
And you see that, Mary, because the title side, you
guys handle you. You know, when a contract comes in
and you you normally hear from the real estate agent
right when it gets listed, right, So then you guys
kind of see how long that sits in your office
for you.
Speaker 4 (23:21):
Now, just like you mentioned a bit ago, some homes
will sit for for what seems like forever, and someone
will sell rather right away. So I don't know if
the secret sauces, but the and the realtors are marketing
very well. They're doing the open houses, they're doing the
brokers opens. I don't know what I'll tell you.
Speaker 6 (23:35):
The vires tell I totally think it's price right now.
In this market, you have to price correctly?
Speaker 7 (23:42):
Could you say that again for the people in the back, Yeah.
Speaker 6 (23:45):
For anybody want to sell their you really, I think
you missed the mark if you overprice, and those are
the homes that usually sit. You have to price right
from the get go. Now, oh, let's try this one
and then we can always you know, decrease or you know,
people can make offers, no, show your motivation. Price it
properly from the get go, and it'll sellers.
Speaker 4 (24:03):
Listen to your agents.
Speaker 5 (24:06):
Yes, sorry, Well, to finish that up.
Speaker 6 (24:13):
So in Florida, the month supply is five point six Okay,
that's really you know, I guess all across the state
where that's getting healthy. But I mean for us, you know,
our inventory is still not where we need it to be.
If the rate cuts that you're talking about that you're
promising are going to have, you know, it's going to
create some you know, yeah, for buyers.
Speaker 3 (24:36):
Quick question before we move on to Ryan and rate cuts,
where he's also going to talk about job numbers, because
there's there's a conspiracy that we might bring up right now.
The biggest thing it is, I want to ask you
this real quick question.
Speaker 4 (24:46):
Sin.
Speaker 3 (24:47):
We all talk about six months as the healthy. What
happens of all of a sudden we have eight months
of inventory? Is that a bad thing?
Speaker 6 (24:54):
I mean, it's lots of choices for buyers, but I mean, yeah,
that means that, you know, there's an over why like
a definite buyer's market, right, No, that's not interesting.
Speaker 3 (25:04):
But we are trending to have a little more inventory,
which is a good thing we are.
Speaker 6 (25:08):
I just don't see it going up that much because
the frates come down, lots of buyers are gonna, you know,
get off the fence and you know it'll be another
you know, and we do.
Speaker 4 (25:17):
Have a condo issue we did I should bring out.
We just had hurricane. So I don't know.
Speaker 3 (25:24):
I think it's going to turn around. But now SINA
has teed up Ryan saying if rates come down and
there's something having to do with jobs reports, Ryan, what
do you got for us?
Speaker 7 (25:34):
You might as well call me Ryan Powell. Well, I
got something for you, and this is really going to
hit you. I don't think there's anything more important talk
about in real estate right now than the BLS just
revised their job numbers and mortgage pros like you and I, Frank.
We are vindicated because we know for months, many of
us in the mortgage world, we knew the data wasn't
adding up. Job numbers were not adding up, and we
(25:54):
were right. Did you know May and June the jobs
were revised to the tune of two hundred and fifty
eight thousand jobs.
Speaker 3 (26:05):
Added, reduced reduced?
Speaker 7 (26:08):
How many were shown to be that we're not. We're
talking a major, major, And here's the point. So the
FED has been clinging to those inflated job numbers to
justify high rates. But now with these revisions of FED
rate cut in September looks more likely than ever before.
So we are going to be seeing lower mortgage rates
are coming. But here's the thing. I gotta plug this in.
(26:29):
As a wholesale mortgage broker, I can already get you
rates that beat the banks, no junk fees, wholesale pricing,
creative solutions for viyers, investors, and helocks, so you don't
have to wait for the FED. But we are going
to see You can put it on me. If it
doesn't happen, I'll buy you a taco from Devino's. But
we are going to see a rate cut. We're talking
the BLS has inflated job numbers. Trump even fired the
(26:52):
head of the BLS who was putting these numbers out
into the marketplace. I saw that we're talking hundreds of
thousands of jobs that just were not Wow, that's a big,
big deal.
Speaker 4 (27:01):
We're they're relying to us that have wrappens.
Speaker 7 (27:04):
Don't expect for that six month inventory to be sitting
around for too much longer because the pent up demand
is at a fever pitch. I'm talking people are salivating
for even the slightest sign that they can go back
out into the marketplace. We're going to see rates come
down and we're going to have homes gobbled up. And
you got to make sure you get.
Speaker 5 (27:21):
The right to do it now.
Speaker 6 (27:23):
Go buy the house now, because once that happens, you're
going to miss the mark and then you know you're
going to be in bidding wars and prices are going
to go up with that.
Speaker 3 (27:33):
Right because what I was saying is there's not enough
inventory even for when these rates drop. A matter of fact,
sendy if they need to go look at a house
right now. How are they going to reach you?
Speaker 5 (27:41):
They can call me at eight one, three, seven five
five reel.
Speaker 6 (27:44):
So yes, let's go find it today, you know, lock
in the price today.
Speaker 5 (27:47):
Lots of negotiating room.
Speaker 6 (27:49):
You know, sellers are you know, willing to negotiate, get
some closing cost, pay rate by down whatever. And then
when the rates do come down, you're already in the house.
You love at the prices that we have now, and
you can.
Speaker 3 (28:00):
REFI what do we call that? Mary in the house
and dating the rate?
Speaker 4 (28:04):
Dating?
Speaker 3 (28:05):
You think we almost figure out how to do this
together every day marry the house, date the rate. Guys
at what Ryan is saying as one hundred percent true? Ryan,
what else about this? So are you did you make
a guarantee about something with the rates?
Speaker 1 (28:17):
Right?
Speaker 7 (28:18):
Ryan? The rhino Owens has made a guarantee. Whatever it's
worth to you. I look at the data, I pay
attention to the news. I'm in the business.
Speaker 4 (28:25):
It's like.
Speaker 7 (28:27):
Taco if it's not the case kidding me. Folks also
need to know. I think it's important to know too
for those listening in, that the FED rate does not
directly affect mortgage rates.
Speaker 3 (28:39):
Correct, So everyone's waiting.
Speaker 7 (28:40):
For the FED rates to drop like that's automatically turning
the thirty year mortgage rates down lower. That is not
The tenure treasury is what affects the thirty year mortgage
rates the most. But it's all kind of in a line.
It's all like down the line, from down the river
from one another. So FED rate drops, tenure treasury changes
thirty year mortgage ten great point.
Speaker 6 (29:00):
Ryan.
Speaker 3 (29:00):
Somebody asaved me that yesterday said oh, I want to
do this REFI should I wait, and you have to
explain to them, no, it is. It is not a
direct correlation. But just remember what everyone homeowners and non
and everybody sees in the news all day long is
when the FED says they're going to raise or drop rates,
So it changes the overall picture, the overall feeling.
Speaker 7 (29:21):
Perception is reality. I always have to remember that perception
is reality. Never forget that.
Speaker 3 (29:27):
Perception is reality. And when people hear rates are going down,
it gets them off the fence. And when you get
them off the fence, like Sinya just said, you're gonna
have an influx of buyers. We saw it when rates
dropped in March. We saw how many people came out
to refinance. In forty eight hours, more people locked a
refinance rate than had locked in three months in this country.
That's what I just said. Forty eight hours rivaled three
(29:50):
months of locks.
Speaker 7 (29:51):
And guess what. Guess who defines reality leaders? And I
want the potential leaders to come to our event, the
lunch and learned, Yes, because I'm going to be making
it very clear that educating is the way to get
new buyers and to change the perception. And that's going
to be the new reality because you have to educate.
And Google is now indexing Instagram posts, not your little
(30:13):
silly cat videos. That doesn't matter in the marketplace. But
if you educate about the market and let them know
things like we're doing here on the Business Happy Hour,
really that's going to be index now in Google, which
has never happened in the history of social media. And
you're going to get more people knowing that you're the
market expert. That's important. Come to the lunch and learn.
You need to, you need to.
Speaker 4 (30:30):
I know you are a wealth of knowledge. I mean goodness,
I didn't know that.
Speaker 7 (30:33):
He just told me.
Speaker 3 (30:34):
So, Ryan, can we break that down? We got we
got a minute left in this segment. Can we break
that down just a little bit for the listeners. Are
you saying, for example, if I get out there and
dance with my shirt off. That's not educational. But if
I get out and say, hey, guys, there's a new
mortgage product that you could use for this in this
and I put it on an Instagram reel, you're saying
Google is going to pick that up.
Speaker 7 (30:52):
Look, Frank the bank. If you do a lot of
cat videos and you do silly stuff where you're walking
on your head and eat and jell oh, you're gonna
have a lot of views. It's not going to get
you to the closing table. It's not going to get
you commissions. Right, what do you want, listener, Do you
want ten thousand views or do you want ten thousand
dollars in commission?
Speaker 3 (31:05):
I'll take the commission. Okay, Well, then you're going to
start educating and we'll worry about entertainment later. Yes, educating
becoming the market resource and getting indexed in Google, which
is where most home buyers are seeking out.
Speaker 7 (31:14):
Information about the real estate market. You're going to be
indexed and popping up with that up to date, knowledgeable,
hyper local real estate knowledge that only you have.
Speaker 4 (31:22):
Whoa man, So you been talking about this on Thursday, Thursday,
August seventh story.
Speaker 7 (31:29):
Yes, maybe the tacos are good. The education is.
Speaker 4 (31:34):
Going to be a good authentic tacos.
Speaker 7 (31:35):
Okay, it's going to be authentic real estate social media.
Speaker 3 (31:38):
So when we get back from this break, we're gonna
find out a little bit more about what Mary Moore,
the business development officer for a Stewart Title does. We're
going to tell you what a title company does in
case you need one. Case you're ready to sell a house,
you need one. I'm also going to talk about real
estate agent statistics. Ryan promised us that right here on
the Business Happy I will remind you again to register
for our event that I put in the comments. So
go on there right now in our break in click
(31:59):
the comment I there's only twenty spots left. You better
get yours. We'll be back in the Business Happy Hour
with Ryan, Mary and Sennya in just a minute.
Speaker 1 (32:07):
Let's get back to the Business Happy Hour radio show
with your host Frank the Benkoto, owner of Lincoln Lending Group,
and his co host Sennia Akishna, realtar with Mahara and associates.
Speaker 3 (32:18):
Hi, guys, welcome back to the Business Happy Ours is
our last segment. I gotta say you guys have me
pumped up. I mean, I can't I come in here
with energy? Whoa mar and Ryan SENDI I was like,
oh my god, I just got off a cruise ship
with a bunch of ducks and mice. I don't even
know what to say, and so seamless plug.
Speaker 7 (32:39):
We do have our our event, h Mary.
Speaker 3 (32:41):
I'll talk about it here in just a second, but
before we finish this segment, I do have to give
a quick shout out to my man, Hulk Hogan. Uh.
This is the first show we've done since City Rest
in Peace. Terry Blea. Hulk Hogan, a true Tampa man,
born and raised here, went to high school right here
in Tampa, true American institution, American hero. That guy I
(33:03):
had the pleasure of doing a loan for his ex
wife friends with his daughter. Spoken to Nick before, and
let me tell you all that crap in the media
saying about how their relationship is horrible. It is BS.
We know, we know it's BS. You now know it's BS.
You're hearing me. Just like the jobs numbers, Yeah, everybody
has their ins and outs. There's like the job numbers
with their family. But Hulk and his daughter were just
(33:25):
fine and they loved each other and he is a
great man. So thank you Halk for all the many
years of fun and entertainment that you gave to us.
I thank you, brother, you brother. All right, Ryan, let's talk.
Let's talk with you real quick about the agent stats here.
You've already guaranteed us a rate cut. Well, I guarantee
is the rate cut.
Speaker 7 (33:46):
You know what. I don't have to be much as
a friend to every real estate Like when I first
got into this business, I had to be nice with everybody,
But I am a little more mature now I got facts. Yeah,
it's gonna have to deal with the facts, folks. Okay,
So this is.
Speaker 3 (33:58):
The important This is importance of working with maharianssociates that
sells over a billion dollars of real estate, working with
a sena.
Speaker 7 (34:04):
Because here's the problem. There's twenty three thousand licensed agents
in our area, the Tampa Bay market, encompassing probably Panelis, Hillsboro, Pasco,
Hernando and whatnot. Ten thousand of those twenty three thousand
did zero zippity dooda deals in twenty twenty four. Okay,
So in the market's different. They need to be in
the market to be able to serve you in the
(34:25):
way that's going to be of your highest use for
hiring a real estate agent. This is a big deal
you hire. Now six thousand did two or less, So
ten thousand zero additional six thousand did two or less
the entire year. Okay, must be a lot of credit
cards out there. But top five thousand equals five or
more deals. So the top five thousand did five or
(34:46):
more deals, that's the top twenty two percent. The top
three thousand did ten or more. That's the top thirteen percent,
And the top five hundred averaged forty plus. Look how
much that jumps up in the top five hundred. Okay,
shout out Tampa Bay real producer who brings in that
top five hundred. That's forty average plus. That's the top
two percent. Now, the top one hundred averaged fifty eight.
(35:08):
That's the top less than one percent. Who you hire matters,
especially with people that are getting into the business, which
so many of that twenty three thousand did in that land,
that fantasy land known as twenty twenty, twenty twenty one,
twenty twenty two, thinking and that they were doing awesome
just sticking a just sticking a sign in the yard
and taking calls and cash and checks. Okay, but it
(35:31):
actually takes a professional. And those who are on this
list of that top five hundred, top one hundred, even
top thousand, you don't want that bottom ten thousand. They're
going to be desperate to get a deal done. They
are going to make mistakes. They haven't been in the
market working full time. They're going to make a lot
of mistakes that can hurt you in your home purchase,
in your home selling. You need to watch who you're
working with. And those are some of the numbers of
the Tampa Bay real estate.
Speaker 5 (35:52):
Yeah, that's great.
Speaker 6 (35:53):
I mean I'm not surprised, I guess yeah, we know
those numbers. But this type of market you do not
want your you know, brother in law that just got
his license, it's never done a deal. It is a
challenging market and it takes the right professionally to help
you navigate it. To say that we are selling homes,
you know, they're successful, you know purchases, there's things going on,
(36:15):
but you have to do it the correct way you
do and that does take experience.
Speaker 3 (36:19):
Yeah, it does. That's it's why it is important. I
want you guys to look up Mahara and associates. Look
up Ray Mahara that not only has he been in
business as long as Lincoln Lenning Group has, he literally
has sold over a billion dollars, way more billions of
dollars in real estate. And the people he employs and
the way that he runs his team, that's what makes
a difference. You truly need you need someone who stands out. Mary.
(36:41):
You work in the title industry, okay, you you talk
to real estate agents every day. That is what business.
Speaker 4 (36:47):
Is the most interesting, really, no kidding. It definitely is
fun and interesting. Title insurances.
Speaker 3 (36:53):
I mean tell me this. You can tell the difference
in the busy agents and not You can see what
they do different, right.
Speaker 4 (36:58):
I mean, I love everybody, but and I work with everybody,
but but yeah, some some are are busier than others.
People have different levels of the way they do their job.
But I am going to mention something. We as Stuart Totta,
we do have a farming product. It's a property farming product.
So if your neighbors don't know that you're a realtor,
or if you don't have a good list of people
in your CRM, or you don't have you're not marketing,
(37:22):
you're around, you're current listing, can you hear me and
see me? Or if you don't know the turnover ray
of just a good neighborhood that you want to market to,
I can get you all those things. So come Thursday
and see me.
Speaker 3 (37:33):
That's it, you got it. Mary will be there in person.
She's going to do a little presentation as well. She's
also having Divino's take care of Tacas.
Speaker 7 (37:41):
Can wait. I can't wait.
Speaker 4 (37:42):
Support your local businesses exactly.
Speaker 3 (37:44):
I love that you're doing that. That is really and
I've never had a Divino's tacos, so I can promise
you I'll have one before I go on stay.
Speaker 4 (37:49):
We'll have about three. I think i'll have to do.
Speaker 3 (37:52):
I look like three taco guy. I mean I told
you I gained a little summer weight. How about a
two time?
Speaker 7 (37:58):
Limited to two?
Speaker 3 (37:59):
Frank man, I'm gonna to limit it.
Speaker 7 (38:00):
You're gonna be Frank the Tank before you know it.
Speaker 3 (38:02):
I don't forget to go into the description here and
make sure you click to register for the event. Frank
the Tank is overly that that's that's like when he
gets drunk, not when he needs a lot of TALKO
woo Lord the way. Well, I hope you guys had
an amazing summer. I know, Sinny and I had fun.
We had a great summer, lots of fun shows. Got
stuck in an elevator one day in the summer.
Speaker 4 (38:23):
Oh I did it once in your life. I haven't
had mine yet.
Speaker 3 (38:25):
Oh you haven't had your elevator yet, Ryan, have you
had your elevator stuck? Never?
Speaker 7 (38:30):
Never. I'm dreamed about it, but never never in real life.
Speaker 3 (38:33):
Let me tell you the dream it's it does not
rival reality. Okay.
Speaker 7 (38:37):
I just like the secession of videos where you started
out not sweaty and you became very sweaty.
Speaker 3 (38:42):
Dude, you know what's funny And maybe we'll talk about
this in the social media videos.
Speaker 2 (38:46):
When you were stuck in.
Speaker 3 (38:47):
Yeah yeah, about thirty minutes in, I was like, oh yea,
might as well do a video of this, right, And
it didn't.
Speaker 7 (38:52):
Take you no thirty minutes to get that phone out?
Speaker 3 (38:55):
That was that was like fifteen minutes. But where's your wife?
Speaker 1 (38:58):
Like?
Speaker 4 (38:58):
Really, do you have to do this now?
Speaker 3 (39:00):
First? But then I'm like, what do you guys want
me to do? I'm like, but it is interesting though.
The very first video that I put out where I
was actually stuck and I explained we were stuck, got
like I don't know, five thousand views. The second one
where I'm like okay, and this one where my sweat
was like bad, I was like, oh hey, guys, this
has kind of serious. It got like fifteen thousand views.
Speaker 7 (39:18):
Dude.
Speaker 3 (39:18):
The one where was like a ten second video where
the sheriffs and the fire department was letting us out.
That thing's got like fifty thousand views.
Speaker 4 (39:24):
Or I'm like, we're gonna start staging those things just
for those views, aren't you else.
Speaker 3 (39:30):
Told me that. I'm like, that is a tactic you
can do. Listen. I believe in karma and you should
not stage getting stuck in an elevator. I'll tell you that.
Speaker 4 (39:37):
Don't this at home.
Speaker 3 (39:39):
Mary, You've been a great guest.
Speaker 4 (39:40):
Thank you, Oh thank you for having me.
Speaker 3 (39:42):
Yes and Stuart title if they need if they need Mary, Mary,
how do they reach you?
Speaker 4 (39:46):
It went three two nine four three zero six six
or at my Saint Pete location on Central or on
right across from Midtown in Tampa.
Speaker 3 (39:55):
Bar and Ryan's the best way to greet you.
Speaker 7 (39:57):
I would go to my the real Rhino r n
O Underscore Tampa. Uh, that's going to be where you
have my application as well as my phone number on there,
which is eight one three six one zero zero six
four seven.
Speaker 3 (40:09):
Beautiful and Sandia as usual. Eight one three seven five
five Real Yeah, or.
Speaker 5 (40:12):
Actually the Real Deal Tampa dot Com.
Speaker 3 (40:16):
That's it, Real Deal Tampa. We'll see you guys next week.
Have a great week.
Welcome to the Business Happy Hour radio show with your host,
Frank Debankkodo, the owner of Lincoln Lending Group right here
in Tampa Bay for twenty three years, joined by his
incredible co host, Senia Akishna, realtor with Mahara and.
Speaker 2 (00:14):
Associates, Tampa's top real estate company.
Speaker 1 (00:17):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (00:23):
If you're looking for local mortgage or real estate advice.
Speaker 1 (00:25):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade.
Speaker 2 (00:30):
Listen right here, or fight us on the Business Happy
Hour YouTube channel.
Speaker 1 (00:34):
Or follow us on Instagram at Frank Thebankkodo. Now, sit back, relax,
and get ready for some serious mortgage, real estate and
business talk with two of Tampa's top experts.
Speaker 2 (00:44):
Here's Frank de Bank and Senia.
Speaker 3 (00:47):
All right, Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial,
and I am your host. That's right, Frank the Bankkodo,
the owner of Lincoln Lending Group right here in Tampa
Bay twenty three years. We have been in business here
in Tampa Bay and yes, I'm getting the Instagram on guys.
(01:08):
I know everybody's complaining and saying.
Speaker 2 (01:09):
Where are you?
Speaker 3 (01:10):
You're not on Instagram? There you are? Now I am.
And we're gonna invite all of our friends to join
us on Instagram right now. Actually, Sydney, if you want
to ask to join, that'd be great and we'll get
marrying them on the Instagram. We've got a great show
for you guys today. We have an amazing event that
we're going to be talking about that is going to
be right at Guitar, which I think they now call Star.
(01:33):
What is it? Why do they call it that? What
is it? What is a Standford?
Speaker 4 (01:35):
Anybody composes panelas Hillsboro and Pasco. So it's the Sun Coast.
Speaker 3 (01:45):
Oh, I thought you. I thought she was on a roll. Everybody,
I'm sorry, do you know what it is like? Okay?
Hold on, Ryan terrible, Okay, we're googling it here. Hold on,
I'm gonna type it and Star Tampa. All our listeners are.
Speaker 5 (02:02):
Like Sun Coast Tampa.
Speaker 3 (02:06):
SUN. That's a Sun Coast Tampa Association of Real Attuurs.
So that is what Star is, Sun Coast Tampa Association
of Real Attors. That is where we're going to have
this now. It used to be called g TAR. I
need that one volume for Greater Tampa Association of Realtors
and you have pro Penella's realtor organization and who knows
(02:29):
what's in Pascow. And by the way, that voice, okay,
you guys have never heard that voice. A matter of fact,
that voice has never been heard on radio before. That
is this is the first time that voice has ever
been on the radio waves anywhere. Never again, never again.
(02:53):
That is Mary Mary Moore from Stewart Titles. She's the
Business Development Men officer. Hey, welcome to the show. Mary
a round the blause and of course my amazing co
Hostinia Aikeisha. Thank you so much for being here today.
How are you?
Speaker 5 (03:06):
Thanks for having me.
Speaker 3 (03:07):
Yeah, how was your vacation?
Speaker 5 (03:08):
Oh man, it was it was great.
Speaker 3 (03:10):
You went on the cruise last week, right, and on.
Speaker 6 (03:11):
The cruise it was so much fun. We'll definitely be
going again.
Speaker 3 (03:15):
It was your first cruise.
Speaker 5 (03:16):
First cruise, but yeah, definitely not my last.
Speaker 3 (03:19):
So tell us about your first cruise.
Speaker 6 (03:22):
It was filled with activities so honestly, like you know
how every vacation it's just exhausting, but still exhausting.
Speaker 7 (03:29):
Did you get up well with the little one?
Speaker 5 (03:32):
Because we're all, you know, in the one room.
Speaker 6 (03:34):
And yes, so still waking up early, tough time going
to bed.
Speaker 3 (03:39):
You know how many kids with you too?
Speaker 4 (03:41):
Too? Okay, that's enough, Yeah, that's enough.
Speaker 3 (03:44):
Yeah, that sure is right.
Speaker 7 (03:45):
Are you on?
Speaker 3 (03:46):
Are you on Instagram?
Speaker 4 (03:48):
I am?
Speaker 3 (03:48):
What's your Instagram?
Speaker 4 (03:49):
Mary dot Moore.
Speaker 3 (03:51):
I'm hr find you.
Speaker 4 (03:53):
Mary there you guys tell me Mary tittle More. The
people are but I'm trying to get him toe.
Speaker 3 (04:01):
So we may have to fix this for you for
the second segment, because I don't see you're not coming
up when I try to invite you on the Instagram. However,
you Ryan, Ryan, go ahead and rest request to go
on our Instagram.
Speaker 7 (04:10):
My friend, I got notes here for the radio show
and all kinds of stuff. I don't know if I'm
going to be able to get on there with you,
but I suggest everyone joins Instagram. Frank the Bank, Hodo, please?
You got too many notes? I can't even I can't
even give up my phone right now.
Speaker 3 (04:24):
Oh that's true, you have your phone. Okay, so we're
gonna get what happened? Did I kick off all kinds
of good stuff? Well sendya you on Are you frozen?
What just happened? Well, well, here, we're going to re
accept you. We're going to figure this out. I know
it's like, oh, I'll send you maybe saying maybe you
can help Marry out with her Instagram real quick while
(04:45):
we'll get that done. I tried, but it did not.
It's not coming up when I try to invite her. Right,
Ryan able to do it. So, guys, So on the
show today, we're gonna be talking about this amazing event.
It is going to be a lunch and learn. We
try to do these every month. Mary's joining us because
Stewart Title is a co sponsor of this lunch and learn.
It is going to be like we said at Star
(05:06):
g Tar, whatever you want to call it. It is
on Kennedy. What is the address on Kennedy?
Speaker 5 (05:11):
Mary two.
Speaker 4 (05:13):
Kennedy two nine.
Speaker 3 (05:14):
One eight Wes Kennedy. But we need you to register
for this event. So how are you going to register? Simple?
I'm gonna put it on the Instagram Live. I'm going
to put it on the Frank the Bank Instagram page.
I'm going to put it on the Lincoln Lending Instagram
Facebook page, and the Frank Coto Facebook page all over
there for you guys can do. But uh, you can also,
I'm sure just go to evite anytime and pull it up.
(05:37):
And I'm willing to bet on ev what is it?
Event Bright? See I'm saying the wrong thing. Don't go
to evite. Whatever you do, go do event Bright.
Speaker 4 (05:44):
August seven, Thursday, Thursday, guys, hold on, is this for
real estate professionals or it sure is?
Speaker 6 (05:52):
Yes, You're gonna have all kinds of people showing up,
that's true.
Speaker 7 (05:57):
Or real estate amateurs as well. Yea, that is true.
Speaker 3 (06:00):
Let's say maybe you're a real estate investor. That's a
great point, Ryan, maybe. And by the way, guys, that's
Ryan Owens, mortgage broker, social media expert extraordinary for Lincoln
Lending Group. Ryan, how are you doing today?
Speaker 7 (06:11):
You know what? I got a little intro t Can
I do that so we can clip that out too. Yeah,
let's introduce Ryan's intro Tampa Bay. This is Ryan the
Rhino Owens with Rhino Mortgage charged by Lincoln Lender Group,
your wholesale mortgage broker bringing you more options, better rates,
and no junk fees. With over a decade of Tampa
Bay real estate experience. I'm here to help you buy smarter,
(06:31):
refinance better, and invest wiser. All right, let's go, hey.
Speaker 6 (06:35):
Wow, how many how did you practice that?
Speaker 3 (06:40):
And by the way, Ryan's gonna fill in on the
radio show every once in a while, so you guys
might see Ryan's face or I love radio that clearly
he doesn't want to be on video. He just loves radio,
that's all he.
Speaker 2 (06:53):
Side. I know.
Speaker 3 (06:54):
I like that. I can tell you no.
Speaker 5 (06:55):
I wish I could just.
Speaker 3 (06:56):
Say no, Frank, no, nobody else can no. The only
reason I'm letting him do it is because the guy
has a camera set up of his own on here
doing his own video, and I have him. I have
him on video through Yeah, we're going to.
Speaker 7 (07:07):
Be talking about social media at this lunch and learn,
so I have to practice what I preach, So I
have to do it he does. It's not a negotiable
for me.
Speaker 3 (07:14):
It is not. No, it is not matter of fact.
Here's what you're going to do. By the way, you
can go to evite or event bright. What is we want? Event?
Speaker 5 (07:20):
Event right?
Speaker 3 (07:21):
Event bright? And it's called social media one oh one
plus knowledge is power? So who is it for real
estate agents? Really, it's talking to the professionals. Okay, if
you are in real estate, if you are a real
estate investor, if you are a mortgage loan originator, that's
something we don't talk about. Maybe you want to come
and learn what Lincoln Lending does different and better than
(07:41):
everybody else. Great place to go is this seminar right
here called social Media one oh one plus Knowledge is Power.
Ryan is going to speak for about forty five minutes
to an hour and he is going to teach you
how to do a real. You're gonna do you guys
hear music in the background. Am I crazy?
Speaker 4 (07:58):
You are crazy? And yes, there is music.
Speaker 7 (08:00):
It's a little like ducktails music or something. There's some
sort of Disney channel.
Speaker 3 (08:05):
Where is.
Speaker 7 (08:06):
It's a playful day here at.
Speaker 3 (08:08):
I feel like I hear I know, I hear ducktails somewhere.
So somebody's phone is playing ducktails. We have to figure
that out. And is it Mary? Yeah, you playing ducktails.
So that's right. So anyways, Ryan's going to teach about
social media, is going to teach you how to do
a real. If you've never done one, You're gonna walk
out there and you will have done your first reel
(08:28):
on Instagram. I promise that will be real. He's going
to teach you how to post, He's going to teach
you the importance of doing this, the frequency. Ryan, What
else are you going to teach?
Speaker 7 (08:36):
I'm not just gonna teach. I'm gonna actually, and in
the very safe distance, I'm gonna get in your face.
I have been teaching social media and video marketing for
ten years in Tampa Bay now, and so many of
you have been reluctant to do it. I don't think
the normal presentation is going to work anymore, or the
normal slides. I really want you to leave empowered, and
the main theme is that every single video that you
(08:57):
post is a lottery ticket. So that's the main thing
you're going to be leaving away understanding that every video
that you post is a chance at thousands of views
and thousands of dollars in commission if you do it right.
Speaker 3 (09:10):
Thousands, I think hundreds of thousands of dollars. Yeah, it
should be with consistency, Absolutely, with consistency. Can I like
what you says?
Speaker 4 (09:17):
Free are charging for this event?
Speaker 7 (09:19):
I should? I should. I will post my Venmo cash
app and PayPal if you feel so inclined. But no,
it is free, believe it or not, because the information
you're gonna get can make you a lot of money
and you can feel free to pay it forward. That's
exactly right. You guys are going to get this for free,
and you're going to get a free lunch. By the way, Mary,
Mary and Stewart title taking care for lunch. She had
(09:40):
something very exciting. Mary tell us about lunch.
Speaker 4 (09:42):
Well, it's gonna be Thursday t taco Thursday. Yes, yes, Well,
a good friend of mine owns Divno's Tacos in Clearwater
and he'll be furnishing three types of and it'll be
all ready for you. Don't worry. You don't have to
stand outside at the truck. We wouldn't do that to you.
But yeah, we'll have some great size dessert and I'll
have a few months to speak about. Oh, here we go.
(10:03):
Thank you are.
Speaker 3 (10:08):
What is it called Divino's Tacos.
Speaker 4 (10:11):
Diveno's able to meet the owner himself, Solious. It's gonna
be just a great day.
Speaker 3 (10:15):
I love all right, Now, turn down the volume on
your phone. But we got it. We actually got Mary's
phone working on here. She's going to be on Instagram
her first time ever on Instagram. Nice, I bet you, Mary, Mary,
have you ever done reels before?
Speaker 2 (10:29):
Oh?
Speaker 3 (10:29):
Mary's gonna learn how to do a real d's right.
Don't be scared, I will say, guys, Ryan is such
a good teacher of this stuff. He's not just gonna
get up there and put slides on the screen. I
promise He's actually going to show you how to do it.
This is going to be interactive. So if you just
want to learn about the social media side, get over here.
Ryan's going up first. I'll be going up after Ryan
(10:50):
talking about the most creative products in the industry that
you never knew existed. So get ready again. This is
on event bright. You can look it up as social
Media one oh one plus Knowledge is Power at the
g TR Suncoast on Thursday, August seventh, eleven forty five am.
We'll mention it again on the show and I'll make
sure I put it in the comments for you guys
(11:11):
as well.
Speaker 4 (11:12):
So you can just email me Mary m a r
y dot m O h r at Stuart dot com,
sd E W a art dot com.
Speaker 3 (11:18):
There you go, easy, one more time. What's the email
if they want to register?
Speaker 4 (11:21):
Mary m a R y dot more, m O h
r at Stewart dot com, s T E W A
r T dot com.
Speaker 3 (11:28):
Quick, yeah, he said, quick, Wrisper and talk into that.
I'm sorry you'll be scared of that mic tray to
be too loud.
Speaker 4 (11:35):
What was I thinking? I'm with you, guys, that's right exactly.
Speaker 3 (11:38):
Samiel is like, what is going on? So, guys, we're
gonna take a break. When we get back. Your favorite
part of the show, real estate statistics. And Ryan brought
something interesting for us today when Senny and I talked
about the market. Hopefully she has good news for me.
If not, I'm kicking her off the roof. Ryan's going
to talk about statistics on your real estate agents. So
stay tuned to The Business Happy Hour with Frank the
(11:58):
Bank and Senia A Kisha from Maharan Associated.
Speaker 1 (12:01):
All the best get your real estate advice from Tampa
Bay's top experts. It's the Business Happy Hour with Frank
de Bankkoto and Seni.
Speaker 3 (12:10):
All right, guys, welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.
I am your host, Frank the Bankkoto, the owner of
Lincoln Lending Group, and eight one three mortgage in. It
has been a hell of the summer. I gotta say,
more travel than I've ever done. I told my wife
she has to put Like I said, I don't know
what to tell you to do. You need like a
board or a book or something, and we need to
(12:31):
call it Summer Vaca twenty twenty five because god dang,
I feel like I was like not even in my
bed all summer. But I will say the kids had
a great time. I got I actually got like hugs
and happiness and stuff. It's like, right, I mean.
Speaker 4 (12:45):
Now you know that's all. I have to spend thousands
of dollars and you'll get hugs.
Speaker 3 (12:50):
Okay, this is kind of sick to you. The funniest
thing is the shortest, cheapest vacation that we went on
with just a little scalloping trip to Crystal River, and
they were like that was our most fun. We had
more fun there. I'm like, you didn't like like Zuma
or or like the mountains or Atlantis. Yeah, I mean,
I was like, you didn't like these private islands and stuff.
They're like no. I was like, now I know where
(13:12):
not to take you. So I actually told my friends.
I was like next time, we're just gonna runt a
house and go scalloping and that's it and then Daddy
will go somewhere else.
Speaker 7 (13:19):
Anyway, that's a good plan.
Speaker 3 (13:20):
And Sania, you had a great summer as well. You
had that nice vacation. What boat did you go on?
Speaker 5 (13:24):
Yes, it was the Disney Dream.
Speaker 3 (13:26):
Oh it was Disney, that's right, Yes, dude, it was it.
Not Disney Magic.
Speaker 5 (13:30):
Oh my gosh.
Speaker 6 (13:31):
Just the service, impeccable food, I mean, all the stuff
they have.
Speaker 5 (13:36):
For the kids, and I mean even for me. I'll
be honest.
Speaker 6 (13:38):
When I saw the characters, yeah, like you they're dancing.
I mean it kind of just yeah, brings you like.
Speaker 7 (13:43):
A kid again.
Speaker 6 (13:44):
And it was it was so much fun. And we
went to the private islands for Disney, so yeah, kind
of like you know, Caribbean, I guess. But they were gorgeous, right,
and it was really cool that really it's just your
cruise ships, so it wasn't like touristy, you know, just
the people from your cruise and the water.
Speaker 5 (14:01):
And the sand. How many days activities? We did a
five day, five day okay, yeah, which is.
Speaker 3 (14:06):
It's good, you know if five is kind of like
the magic number you're seven, I like them can get
a little long. Three and four you feel like you're
like a little you know you kind of you know,
you don't want to be on the ship longer. Let
me ask you did you do the kids club?
Speaker 6 (14:18):
I was just going to say, you know what, for me,
I probably could have used the extra two days because
we figured out the kids club almost like on the
last day, and I'm like, oh man, because we really
could have used more of a break from the little one.
Speaker 3 (14:29):
What does that mean?
Speaker 6 (14:29):
What is anxious? You can drop your kid off and
you know, I can't like.
Speaker 3 (14:34):
A pager or something or like a wristband or something, right,
and like if your kids won out, they call you
and like I get you good. That's pretty much all
that works.
Speaker 5 (14:42):
Yeah, yeah, that was really cool.
Speaker 3 (14:43):
So so next time you do the same next time?
Speaker 6 (14:45):
Yeah, that's it's or we just use the kids club
more from day one.
Speaker 3 (14:49):
Not a bad idea.
Speaker 2 (14:50):
Yeah.
Speaker 3 (14:50):
Cruises, I'm a big fan of cruises. Just everything's done
for you.
Speaker 4 (14:53):
It's just easy, you know enough. I should mention this
where you got here. We talked about the Poop Cruise
on Netflix. It wasn't like that.
Speaker 3 (15:01):
So my kids show that to me this weekend scalloping.
I didn't think it was real.
Speaker 4 (15:06):
Yeah, you didn't hear me, Remember you don't remember hearing
about that years ago.
Speaker 3 (15:09):
It's like a Netflix thing or something.
Speaker 7 (15:10):
It's real. It's real.
Speaker 3 (15:11):
It's real. Like they were like pooping and like like
keeping it in bags.
Speaker 4 (15:15):
And stuff, still suffering frost, keep it under wraps.
Speaker 5 (15:18):
Because after seeing that, and we saw it before.
Speaker 3 (15:20):
The freezing, like, oh gosh, man, I would have been
talking it off the side of the boat. I'm just talking.
Oh no, I was sorry. I'm a fishyater.
Speaker 7 (15:27):
And by the way, Happy Gill Moore two's out in
case you don't want to watch the poop cruise.
Speaker 5 (15:30):
I saw it.
Speaker 3 (15:31):
Did you see it?
Speaker 4 (15:32):
Ryan's sick?
Speaker 7 (15:33):
Oh yeah, that's aught.
Speaker 3 (15:34):
It was good. The cameos were phenomenal. Right, look, I
don't want anything new. I want nostalgia. Okay, nineties were
the best. We're in this hell hole Moon Is twenty
twenty five.
Speaker 7 (15:42):
Yeah, so I really liked the nostalgia from nineteen ninety six.
Bring on the cameos. Yeah, and the callbacks. I love it.
Speaker 3 (15:48):
It was great. And John Daily, you know I mean
that guy like best actor who's not an actor? In
the world. Yeah right, So the guy is basically drunk
on set and just talking to happy you know.
Speaker 7 (15:59):
And you know if you have put vodka in your
Arnold Palmer that is now a John Daily you know,
the right exactly.
Speaker 3 (16:04):
Wait, we don't have any of those anyway, not today.
So guys, we're having so I get the energy in here.
It's amazing. So we're gonna remind you one more time
about the event. We'll do it once a segment here,
so go on and registr. I'll make sure I put
it in the In the things, you can join real
estate agents, investors, mortgage loan originators, if you want to
learn about all the most creative products in the industry,
and if you want a Ryan to teach you before
(16:25):
you walk out how to do a reel and to
start your social media career. Guys, even Frank the Bank
did his first post one day and look where it goes.
So make sure you join us. It's this Thursday at
Star g Tar. We'll get your registered and Marrio get
you some tacos.
Speaker 4 (16:39):
It'll be a lot of fun. I'm happy to he
took some time off June. In July, I feel potter,
but it was on vacation. Let's get back to work
and let's go to star on Kennedy and learn some
stuff and have some good tacos.
Speaker 3 (16:51):
I love it. I can't wait. Eleven forty five. That's
what time we want you there. Ryan goes on stage
at twelve, so it makes you get there and get
your tacos. Send you high noon, high nuns. Let's you
see my post about that. By the way. Anyway, Sidia stats,
let's get rolling on this. I love this part. I
have the listeners text me all week long saying, oh,
what about the stats, what'd you do last week?
Speaker 6 (17:10):
Okay, well, I'm excited because we do have June numbers.
I always like saying, you know the new numbers. And
I think as we predicted, our closed sales were actually
up across the board for June in Hillsborough County up
six point one percent year over year, seven point three
percent and Panelas and eight percent in Pasco. So that's
(17:32):
sales volume. So that just means we had more activity.
You guys, I'm sure were.
Speaker 5 (17:35):
Closing more loans than in May. So yes, good stuff.
Speaker 6 (17:40):
Our median sales price in Hillsborough was at four hundred
and forty thousand, Panella's four hundred and fifty five thousand,
and Pasco at three eighty five.
Speaker 3 (17:50):
Okay, so you gotta go a little north to get
the deals.
Speaker 5 (17:52):
Yeah.
Speaker 6 (17:53):
So in Hillsborough, actually it was up year over year
by one point one percent. Ok Kanella's Pascal was down
a bit. But I also did a calculation from May
to June, so we were up in Hillsboro two point
three percent from last month on media and sales price. Okay,
down just a little bit in Panela's by one point
one and Pasco was up two and a half percent.
Speaker 3 (18:14):
I mean, I would say that's pretty stable if you
ask me, these.
Speaker 5 (18:18):
Numbers look pretty stable to me.
Speaker 3 (18:20):
So you're telling me all the clickbait that's telling me
that the values in Florida are dropping like a rock.
Just or not true.
Speaker 6 (18:24):
My husband said something and he said, you know Tampa specifically.
I'm like, I don't know, Like if they're picking out
like pockets of Tampa, you know, I mean this is
all of Hillsboro.
Speaker 5 (18:32):
You know, Hillsboro's big.
Speaker 6 (18:33):
Yeah, but it means still, like I just I don't
understand where the information comes from.
Speaker 3 (18:37):
So, Ryan, you live out in uh Western.
Speaker 7 (18:39):
I live out in New Tampa.
Speaker 3 (18:40):
Yeah, tell us about that, because I feel like your
real estate moves out there.
Speaker 7 (18:44):
Oh it's moving, because we have a lot of great
things popping up around the neighborhood, family new arts centers
and new parks getting built and all that types of stuff,
and there's there's still affordable housing out there, right. But
one thing I wanted to say that that Cocinia just
made me think about, is that Arcinia made me think about,
is that there's no real estate market that doesn't exist.
There's no real estate market. Real estate is hyper local,
(19:04):
by neighborhood, by road to road. There's no real estate market.
So when someone says the real estate market's doing this,
they don't know what they're talking about. It is hyper
hyper local.
Speaker 3 (19:16):
And that's why you can hear one guy say, my
house has been on the market for six months and
it's not selling yet in your neighborhood. I bet they
don't sit there for more than a few weeks.
Speaker 7 (19:25):
No that I don't know what the exact time on
market is, but.
Speaker 5 (19:28):
Oh no, thirty seconds.
Speaker 3 (19:30):
Well, well too, when we get back from the break,
where we're going to talk a little bit more about
the statistics and Sydney is a explain to us what
do they mean? Because I can tell you right now
it's good news, it's not bad news. And I want
to talk about how long they're on the market, things
like that, and then we're going to talk about statistics
on actual real estate agents. Ryan has brought something to
the table. We'll do after our stats that I've never
done before talking to Siniya. Get ready because you might
(19:52):
be on this list, Okay, at the top of it.
Speaker 7 (19:55):
At the top of the list.
Speaker 3 (19:56):
We'll be back in the Business Happy or Mary from
Steuart Tyle, Ryan from Lincoln n Group, Senia from Maharran Associates,
and Frank the Bank.
Speaker 1 (20:02):
Stay tuned, Sam, Welcome to the Business Happy Hour radio
show with your host, Frank Debank Coodo, the owner of
Lincoln Lending Group right here in Tampa Bay for twenty
three years, joined by his incredible co host, Senia Akishana,
rialtor with Mahara and Associates.
Speaker 2 (20:19):
Tampa's top real estate company.
Speaker 1 (20:21):
Together they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (20:26):
If you're looking for local mortgage or real estate advice.
Speaker 1 (20:29):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade.
Speaker 2 (20:34):
Listen right here.
Speaker 1 (20:35):
Or fight us on the Business Happy Hour YouTube channel,
or follow us on Instagram at Frank Debankkodo. Now, sit back, relax,
and get ready for some serious mortgage, real estate and
business talk with two of Tampa's top experts.
Speaker 2 (20:48):
Here's Frank the Bank and Senia.
Speaker 3 (20:50):
All right, guys, we are back on the Business Happy
Hour and we are having a lot of phone over here.
We've got Mary from Stewart Title. She's the business development officer.
She's doing the tacos at the event this Thursday at
gitar Now it's called star On probably for the Better,
but no she has it's Divinos. Is that Divinos in
(21:14):
Clearwater setting up the tacos? You guys can register. I'll
try to get that link put into the Instagram thing
right now for you.
Speaker 4 (21:21):
Uh.
Speaker 3 (21:21):
We do have limited space, so make sure you get
a registered right away if you'd like to join that.
We would love to see you there and Ryan will
be teaching social media. Senia will hopefully be there just
hanging out with us, having fun. But you can always
talk to her about any real estate needs. And we're
going to find out if she's on that realtor list
here in just a couple of minutes, because Ryan's got
some interesting thing about the uh, the job numbers. We're
(21:44):
going to talk about and we're going to talk about
real estate agents. But before we do, Sinia has prepared
these stats and has a lot of work into it.
So I want to find out more from Sinia on
what's going on with the June numbers.
Speaker 6 (21:56):
Okay, well, yeah, to finish those up. So month's supply Hillsborough,
Cowany's four point two months four point nine, and panelas
and four and Pasco Okay. And the reason I say this,
and to your point and the last segment about real
estate being hyper local, it really is. So I looked
(22:16):
at Florida numbers and even though closed sales all across
Florida were up by two point eight percent, okay, their
medium time to contract is forty six days.
Speaker 5 (22:26):
Well not theirs, I guess. This is all of Florida.
Speaker 6 (22:28):
So there are definitely areas that are not quite as
popular as ours. But in Hillsboro we're only at twenty
eight days. Wow, time to contract, meaning you list your
home and the amount of days.
Speaker 3 (22:38):
Of ten do you have all of Florida. What is that.
I'm curious. Forty six forty.
Speaker 6 (22:42):
Six, But even for our our MSA, it's at thirty
five days.
Speaker 5 (22:48):
Wow, we're still ahead of the curve on that.
Speaker 3 (22:50):
And that's like the whole area.
Speaker 6 (22:51):
Yeah, Hillsborough, Panella's Pasco Hernando, Right.
Speaker 3 (22:54):
So I mean, I just everything you're saying. I hear
stable market, I cable market. You know it's and we're
getting a little bit more supply. I know some people
are saying listenings are you know, taking longer marriage.
Speaker 4 (23:06):
Sixty ninety days apparently.
Speaker 3 (23:08):
And you see that, Mary, because the title side, you
guys handle you. You know, when a contract comes in
and you you normally hear from the real estate agent
right when it gets listed, right, So then you guys
kind of see how long that sits in your office
for you.
Speaker 4 (23:21):
Now, just like you mentioned a bit ago, some homes
will sit for for what seems like forever, and someone
will sell rather right away. So I don't know if
the secret sauces, but the and the realtors are marketing
very well. They're doing the open houses, they're doing the
brokers opens. I don't know what I'll tell you.
Speaker 6 (23:35):
The vires tell I totally think it's price right now.
In this market, you have to price correctly?
Speaker 7 (23:42):
Could you say that again for the people in the back, Yeah.
Speaker 6 (23:45):
For anybody want to sell their you really, I think
you missed the mark if you overprice, and those are
the homes that usually sit. You have to price right
from the get go. Now, oh, let's try this one
and then we can always you know, decrease or you know,
people can make offers, no, show your motivation. Price it
properly from the get go, and it'll sellers.
Speaker 4 (24:03):
Listen to your agents.
Speaker 5 (24:06):
Yes, sorry, Well, to finish that up.
Speaker 6 (24:13):
So in Florida, the month supply is five point six Okay,
that's really you know, I guess all across the state
where that's getting healthy. But I mean for us, you know,
our inventory is still not where we need it to be.
If the rate cuts that you're talking about that you're
promising are going to have, you know, it's going to
create some you know, yeah, for buyers.
Speaker 3 (24:36):
Quick question before we move on to Ryan and rate cuts,
where he's also going to talk about job numbers, because
there's there's a conspiracy that we might bring up right now.
The biggest thing it is, I want to ask you
this real quick question.
Speaker 4 (24:46):
Sin.
Speaker 3 (24:47):
We all talk about six months as the healthy. What
happens of all of a sudden we have eight months
of inventory? Is that a bad thing?
Speaker 6 (24:54):
I mean, it's lots of choices for buyers, but I mean, yeah,
that means that, you know, there's an over why like
a definite buyer's market, right, No, that's not interesting.
Speaker 3 (25:04):
But we are trending to have a little more inventory,
which is a good thing we are.
Speaker 6 (25:08):
I just don't see it going up that much because
the frates come down, lots of buyers are gonna, you know,
get off the fence and you know it'll be another
you know, and we do.
Speaker 4 (25:17):
Have a condo issue we did I should bring out.
We just had hurricane. So I don't know.
Speaker 3 (25:24):
I think it's going to turn around. But now SINA
has teed up Ryan saying if rates come down and
there's something having to do with jobs reports, Ryan, what
do you got for us?
Speaker 7 (25:34):
You might as well call me Ryan Powell. Well, I
got something for you, and this is really going to
hit you. I don't think there's anything more important talk
about in real estate right now than the BLS just
revised their job numbers and mortgage pros like you and I, Frank.
We are vindicated because we know for months, many of
us in the mortgage world, we knew the data wasn't
adding up. Job numbers were not adding up, and we
(25:54):
were right. Did you know May and June the jobs
were revised to the tune of two hundred and fifty
eight thousand jobs.
Speaker 3 (26:05):
Added, reduced reduced?
Speaker 7 (26:08):
How many were shown to be that we're not. We're
talking a major, major, And here's the point. So the
FED has been clinging to those inflated job numbers to
justify high rates. But now with these revisions of FED
rate cut in September looks more likely than ever before.
So we are going to be seeing lower mortgage rates
are coming. But here's the thing. I gotta plug this in.
(26:29):
As a wholesale mortgage broker, I can already get you
rates that beat the banks, no junk fees, wholesale pricing,
creative solutions for viyers, investors, and helocks, so you don't
have to wait for the FED. But we are going
to see You can put it on me. If it
doesn't happen, I'll buy you a taco from Devino's. But
we are going to see a rate cut. We're talking
the BLS has inflated job numbers. Trump even fired the
(26:52):
head of the BLS who was putting these numbers out
into the marketplace. I saw that we're talking hundreds of
thousands of jobs that just were not Wow, that's a big,
big deal.
Speaker 4 (27:01):
We're they're relying to us that have wrappens.
Speaker 7 (27:04):
Don't expect for that six month inventory to be sitting
around for too much longer because the pent up demand
is at a fever pitch. I'm talking people are salivating
for even the slightest sign that they can go back
out into the marketplace. We're going to see rates come
down and we're going to have homes gobbled up. And
you got to make sure you get.
Speaker 5 (27:21):
The right to do it now.
Speaker 6 (27:23):
Go buy the house now, because once that happens, you're
going to miss the mark and then you know you're
going to be in bidding wars and prices are going
to go up with that.
Speaker 3 (27:33):
Right because what I was saying is there's not enough
inventory even for when these rates drop. A matter of fact,
sendy if they need to go look at a house
right now. How are they going to reach you?
Speaker 5 (27:41):
They can call me at eight one, three, seven five
five reel.
Speaker 6 (27:44):
So yes, let's go find it today, you know, lock
in the price today.
Speaker 5 (27:47):
Lots of negotiating room.
Speaker 6 (27:49):
You know, sellers are you know, willing to negotiate, get
some closing cost, pay rate by down whatever. And then
when the rates do come down, you're already in the house.
You love at the prices that we have now, and
you can.
Speaker 3 (28:00):
REFI what do we call that? Mary in the house
and dating the rate?
Speaker 4 (28:04):
Dating?
Speaker 3 (28:05):
You think we almost figure out how to do this
together every day marry the house, date the rate. Guys
at what Ryan is saying as one hundred percent true? Ryan,
what else about this? So are you did you make
a guarantee about something with the rates?
Speaker 1 (28:17):
Right?
Speaker 7 (28:18):
Ryan? The rhino Owens has made a guarantee. Whatever it's
worth to you. I look at the data, I pay
attention to the news. I'm in the business.
Speaker 4 (28:25):
It's like.
Speaker 7 (28:27):
Taco if it's not the case kidding me. Folks also
need to know. I think it's important to know too
for those listening in, that the FED rate does not
directly affect mortgage rates.
Speaker 3 (28:39):
Correct, So everyone's waiting.
Speaker 7 (28:40):
For the FED rates to drop like that's automatically turning
the thirty year mortgage rates down lower. That is not
The tenure treasury is what affects the thirty year mortgage
rates the most. But it's all kind of in a line.
It's all like down the line, from down the river
from one another. So FED rate drops, tenure treasury changes
thirty year mortgage ten great point.
Speaker 6 (29:00):
Ryan.
Speaker 3 (29:00):
Somebody asaved me that yesterday said oh, I want to
do this REFI should I wait, and you have to
explain to them, no, it is. It is not a
direct correlation. But just remember what everyone homeowners and non
and everybody sees in the news all day long is
when the FED says they're going to raise or drop rates,
So it changes the overall picture, the overall feeling.
Speaker 7 (29:21):
Perception is reality. I always have to remember that perception
is reality. Never forget that.
Speaker 3 (29:27):
Perception is reality. And when people hear rates are going down,
it gets them off the fence. And when you get
them off the fence, like Sinya just said, you're gonna
have an influx of buyers. We saw it when rates
dropped in March. We saw how many people came out
to refinance. In forty eight hours, more people locked a
refinance rate than had locked in three months in this country.
That's what I just said. Forty eight hours rivaled three
(29:50):
months of locks.
Speaker 7 (29:51):
And guess what. Guess who defines reality leaders? And I
want the potential leaders to come to our event, the
lunch and learned, Yes, because I'm going to be making
it very clear that educating is the way to get
new buyers and to change the perception. And that's going
to be the new reality because you have to educate.
And Google is now indexing Instagram posts, not your little
(30:13):
silly cat videos. That doesn't matter in the marketplace. But
if you educate about the market and let them know
things like we're doing here on the Business Happy Hour,
really that's going to be index now in Google, which
has never happened in the history of social media. And
you're going to get more people knowing that you're the
market expert. That's important. Come to the lunch and learn.
You need to, you need to.
Speaker 4 (30:30):
I know you are a wealth of knowledge. I mean goodness,
I didn't know that.
Speaker 7 (30:33):
He just told me.
Speaker 3 (30:34):
So, Ryan, can we break that down? We got we
got a minute left in this segment. Can we break
that down just a little bit for the listeners. Are
you saying, for example, if I get out there and
dance with my shirt off. That's not educational. But if
I get out and say, hey, guys, there's a new
mortgage product that you could use for this in this
and I put it on an Instagram reel, you're saying
Google is going to pick that up.
Speaker 7 (30:52):
Look, Frank the bank. If you do a lot of
cat videos and you do silly stuff where you're walking
on your head and eat and jell oh, you're gonna
have a lot of views. It's not going to get
you to the closing table. It's not going to get
you commissions. Right, what do you want, listener, Do you
want ten thousand views or do you want ten thousand
dollars in commission?
Speaker 3 (31:05):
I'll take the commission. Okay, Well, then you're going to
start educating and we'll worry about entertainment later. Yes, educating
becoming the market resource and getting indexed in Google, which
is where most home buyers are seeking out.
Speaker 7 (31:14):
Information about the real estate market. You're going to be
indexed and popping up with that up to date, knowledgeable,
hyper local real estate knowledge that only you have.
Speaker 4 (31:22):
Whoa man, So you been talking about this on Thursday, Thursday,
August seventh story.
Speaker 7 (31:29):
Yes, maybe the tacos are good. The education is.
Speaker 4 (31:34):
Going to be a good authentic tacos.
Speaker 7 (31:35):
Okay, it's going to be authentic real estate social media.
Speaker 3 (31:38):
So when we get back from this break, we're gonna
find out a little bit more about what Mary Moore,
the business development officer for a Stewart Title does. We're
going to tell you what a title company does in
case you need one. Case you're ready to sell a house,
you need one. I'm also going to talk about real
estate agent statistics. Ryan promised us that right here on
the Business Happy I will remind you again to register
for our event that I put in the comments. So
go on there right now in our break in click
(31:59):
the comment I there's only twenty spots left. You better
get yours. We'll be back in the Business Happy Hour
with Ryan, Mary and Sennya in just a minute.
Speaker 1 (32:07):
Let's get back to the Business Happy Hour radio show
with your host Frank the Benkoto, owner of Lincoln Lending Group,
and his co host Sennia Akishna, realtar with Mahara and associates.
Speaker 3 (32:18):
Hi, guys, welcome back to the Business Happy Ours is
our last segment. I gotta say you guys have me
pumped up. I mean, I can't I come in here
with energy? Whoa mar and Ryan SENDI I was like,
oh my god, I just got off a cruise ship
with a bunch of ducks and mice. I don't even
know what to say, and so seamless plug.
Speaker 7 (32:39):
We do have our our event, h Mary.
Speaker 3 (32:41):
I'll talk about it here in just a second, but
before we finish this segment, I do have to give
a quick shout out to my man, Hulk Hogan. Uh.
This is the first show we've done since City Rest
in Peace. Terry Blea. Hulk Hogan, a true Tampa man,
born and raised here, went to high school right here
in Tampa, true American institution, American hero. That guy I
(33:03):
had the pleasure of doing a loan for his ex
wife friends with his daughter. Spoken to Nick before, and
let me tell you all that crap in the media
saying about how their relationship is horrible. It is BS.
We know, we know it's BS. You now know it's BS.
You're hearing me. Just like the jobs numbers, Yeah, everybody
has their ins and outs. There's like the job numbers
with their family. But Hulk and his daughter were just
(33:25):
fine and they loved each other and he is a
great man. So thank you Halk for all the many
years of fun and entertainment that you gave to us.
I thank you, brother, you brother. All right, Ryan, let's talk.
Let's talk with you real quick about the agent stats here.
You've already guaranteed us a rate cut. Well, I guarantee
is the rate cut.
Speaker 7 (33:46):
You know what. I don't have to be much as
a friend to every real estate Like when I first
got into this business, I had to be nice with everybody,
But I am a little more mature now I got facts. Yeah,
it's gonna have to deal with the facts, folks. Okay,
So this is.
Speaker 3 (33:58):
The important This is importance of working with maharianssociates that
sells over a billion dollars of real estate, working with
a sena.
Speaker 7 (34:04):
Because here's the problem. There's twenty three thousand licensed agents
in our area, the Tampa Bay market, encompassing probably Panelis, Hillsboro, Pasco,
Hernando and whatnot. Ten thousand of those twenty three thousand
did zero zippity dooda deals in twenty twenty four. Okay,
So in the market's different. They need to be in
the market to be able to serve you in the
(34:25):
way that's going to be of your highest use for
hiring a real estate agent. This is a big deal
you hire. Now six thousand did two or less, So
ten thousand zero additional six thousand did two or less
the entire year. Okay, must be a lot of credit
cards out there. But top five thousand equals five or
more deals. So the top five thousand did five or
(34:46):
more deals, that's the top twenty two percent. The top
three thousand did ten or more. That's the top thirteen percent,
And the top five hundred averaged forty plus. Look how
much that jumps up in the top five hundred. Okay,
shout out Tampa Bay real producer who brings in that
top five hundred. That's forty average plus. That's the top
two percent. Now, the top one hundred averaged fifty eight.
(35:08):
That's the top less than one percent. Who you hire matters,
especially with people that are getting into the business, which
so many of that twenty three thousand did in that land,
that fantasy land known as twenty twenty, twenty twenty one,
twenty twenty two, thinking and that they were doing awesome
just sticking a just sticking a sign in the yard
and taking calls and cash and checks. Okay, but it
(35:31):
actually takes a professional. And those who are on this
list of that top five hundred, top one hundred, even
top thousand, you don't want that bottom ten thousand. They're
going to be desperate to get a deal done. They
are going to make mistakes. They haven't been in the
market working full time. They're going to make a lot
of mistakes that can hurt you in your home purchase,
in your home selling. You need to watch who you're
working with. And those are some of the numbers of
the Tampa Bay real estate.
Speaker 5 (35:52):
Yeah, that's great.
Speaker 6 (35:53):
I mean I'm not surprised, I guess yeah, we know
those numbers. But this type of market you do not
want your you know, brother in law that just got
his license, it's never done a deal. It is a
challenging market and it takes the right professionally to help
you navigate it. To say that we are selling homes,
you know, they're successful, you know purchases, there's things going on,
(36:15):
but you have to do it the correct way you
do and that does take experience.
Speaker 3 (36:19):
Yeah, it does. That's it's why it is important. I
want you guys to look up Mahara and associates. Look
up Ray Mahara that not only has he been in
business as long as Lincoln Lenning Group has, he literally
has sold over a billion dollars, way more billions of
dollars in real estate. And the people he employs and
the way that he runs his team, that's what makes
a difference. You truly need you need someone who stands out. Mary.
(36:41):
You work in the title industry, okay, you you talk
to real estate agents every day. That is what business.
Speaker 4 (36:47):
Is the most interesting, really, no kidding. It definitely is
fun and interesting. Title insurances.
Speaker 3 (36:53):
I mean tell me this. You can tell the difference
in the busy agents and not You can see what
they do different, right.
Speaker 4 (36:58):
I mean, I love everybody, but and I work with everybody,
but but yeah, some some are are busier than others.
People have different levels of the way they do their job.
But I am going to mention something. We as Stuart Totta,
we do have a farming product. It's a property farming product.
So if your neighbors don't know that you're a realtor,
or if you don't have a good list of people
in your CRM, or you don't have you're not marketing,
(37:22):
you're around, you're current listing, can you hear me and
see me? Or if you don't know the turnover ray
of just a good neighborhood that you want to market to,
I can get you all those things. So come Thursday
and see me.
Speaker 3 (37:33):
That's it, you got it. Mary will be there in person.
She's going to do a little presentation as well. She's
also having Divino's take care of Tacas.
Speaker 7 (37:41):
Can wait. I can't wait.
Speaker 4 (37:42):
Support your local businesses exactly.
Speaker 3 (37:44):
I love that you're doing that. That is really and
I've never had a Divino's tacos, so I can promise
you I'll have one before I go on stay.
Speaker 4 (37:49):
We'll have about three. I think i'll have to do.
Speaker 3 (37:52):
I look like three taco guy. I mean I told
you I gained a little summer weight. How about a
two time?
Speaker 7 (37:58):
Limited to two?
Speaker 3 (37:59):
Frank man, I'm gonna to limit it.
Speaker 7 (38:00):
You're gonna be Frank the Tank before you know it.
Speaker 3 (38:02):
I don't forget to go into the description here and
make sure you click to register for the event. Frank
the Tank is overly that that's that's like when he
gets drunk, not when he needs a lot of TALKO
woo Lord the way. Well, I hope you guys had
an amazing summer. I know, Sinny and I had fun.
We had a great summer, lots of fun shows. Got
stuck in an elevator one day in the summer.
Speaker 4 (38:23):
Oh I did it once in your life. I haven't
had mine yet.
Speaker 3 (38:25):
Oh you haven't had your elevator yet, Ryan, have you
had your elevator stuck? Never?
Speaker 7 (38:30):
Never. I'm dreamed about it, but never never in real life.
Speaker 3 (38:33):
Let me tell you the dream it's it does not
rival reality. Okay.
Speaker 7 (38:37):
I just like the secession of videos where you started
out not sweaty and you became very sweaty.
Speaker 3 (38:42):
Dude, you know what's funny And maybe we'll talk about
this in the social media videos.
Speaker 2 (38:46):
When you were stuck in.
Speaker 3 (38:47):
Yeah yeah, about thirty minutes in, I was like, oh yea,
might as well do a video of this, right, And
it didn't.
Speaker 7 (38:52):
Take you no thirty minutes to get that phone out?
Speaker 3 (38:55):
That was that was like fifteen minutes. But where's your wife?
Speaker 1 (38:58):
Like?
Speaker 4 (38:58):
Really, do you have to do this now?
Speaker 3 (39:00):
First? But then I'm like, what do you guys want
me to do? I'm like, but it is interesting though.
The very first video that I put out where I
was actually stuck and I explained we were stuck, got
like I don't know, five thousand views. The second one
where I'm like okay, and this one where my sweat
was like bad, I was like, oh hey, guys, this
has kind of serious. It got like fifteen thousand views.
Speaker 7 (39:18):
Dude.
Speaker 3 (39:18):
The one where was like a ten second video where
the sheriffs and the fire department was letting us out.
That thing's got like fifty thousand views.
Speaker 4 (39:24):
Or I'm like, we're gonna start staging those things just
for those views, aren't you else.
Speaker 3 (39:30):
Told me that. I'm like, that is a tactic you
can do. Listen. I believe in karma and you should
not stage getting stuck in an elevator. I'll tell you that.
Speaker 4 (39:37):
Don't this at home.
Speaker 3 (39:39):
Mary, You've been a great guest.
Speaker 4 (39:40):
Thank you, Oh thank you for having me.
Speaker 3 (39:42):
Yes and Stuart title if they need if they need Mary, Mary,
how do they reach you?
Speaker 4 (39:46):
It went three two nine four three zero six six
or at my Saint Pete location on Central or on
right across from Midtown in Tampa.
Speaker 3 (39:55):
Bar and Ryan's the best way to greet you.
Speaker 7 (39:57):
I would go to my the real Rhino r n
O Underscore Tampa. Uh, that's going to be where you
have my application as well as my phone number on there,
which is eight one three six one zero zero six
four seven.
Speaker 3 (40:09):
Beautiful and Sandia as usual. Eight one three seven five
five Real Yeah, or.
Speaker 5 (40:12):
Actually the Real Deal Tampa dot Com.
Speaker 3 (40:16):
That's it, Real Deal Tampa. We'll see you guys next week.
Have a great week.
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