Cristina Alonzo Florida’s A-Team, real estate and Ryan Owens mortgage, professional extraordinaire break, interest rates, statistics, and tell a story of tragedy to success, and in the fourth segment, we educate on pending short sales and how this could be a big win for both buyers and sellers
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Speaker 1 (00:00):
Welcome to the Business Happy Hour radio show with your host,
Frank the Bank Coodo, the owner of Lincoln Lending Group
right here in Tampa Bay for twenty three years, joined
by his incredible co host, Senia Akishana, realtor with Mahara
and Associates.
Speaker 2 (00:15):
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 3 (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.
Speaker 3 (00:32):
Us on the Business Happy Hour YouTube channel, or.
Speaker 1 (00:34):
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 3 (00:44):
Here's Frank the Bank and Senia.
Speaker 4 (00:47):
All right, Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.
WHOA I am excited this morning? You guys don't know
Frank the Bank have an excitement?
Speaker 5 (00:57):
Do you send?
Speaker 2 (00:58):
Oh?
Speaker 4 (00:59):
No?
Speaker 5 (00:59):
You usually you are always so tall.
Speaker 4 (01:02):
I don't really come in here half asleep. No, I don't,
but I am. I don't know why I am jazzed
up today. I just have extra energy. Maybe it's that
we have a big presentation going on later today. Maybe
it's because I've got Rhino from Rhino Mortgage in studio
and this guy's energy.
Speaker 5 (01:17):
I'll give you a charge. I'll give you a charger.
Speaker 4 (01:19):
Oh you will. I've seen your Sora videos. You're putting
it out. This guy the other day was riding on
a rhinoceros and then he was on a boat like
in Tampa Bay. I've seen him beating up Abraham Lincoln before.
Maybe didn't beat him up. He beat up the interest rates.
Interest rates. Oh no, he didn't know so Ryan, Ryan,
Rhino Mortgage, welcome to the show. Thank you for coming.
(01:43):
That's probably where my energy is coming from. Sinya Akishina
Maharan Associates, my amazing co host, Thank you for being
here today.
Speaker 6 (01:49):
And early, Frank, I know that for once we're early.
Speaker 4 (01:53):
I think our Instagram listeners are probably like, what's going on,
and these guys are like a half hour early. Yes,
we are so get ready. All you boys over at
Jesuit listening to us. It's your lunch break. You guys
can actually chime in today. Don't get in trouble now.
Remember you're not supposed to have your cell phones at schoolboys.
And then Christina Alonzo, how are you?
Speaker 7 (02:13):
I am doing excellent? Thank you? This is my first life.
Speaker 4 (02:16):
I okay, yeah, this blows my mind. So I got
to meet Christina probably a couple of months ago. Right,
you attended one of our Lincoln Lending Knowledge's power lunch events.
Speaker 5 (02:25):
Yes, right, how was it?
Speaker 7 (02:26):
By the way, it was excellent.
Speaker 8 (02:27):
We learned so much, created a whole PowerPoint presentation based
on yours.
Speaker 5 (02:32):
Oh my gosh.
Speaker 4 (02:33):
And I know we're gonna go help you with what
you asked earlier about doing that presentation about the short sales.
So I do want to talk about that a little
later with you because people haven't heard the word short
sale in a long time. So I'm going to put
you on the spot a little bit on short sales.
But guys, we're gonna have a great show. Christina came
in with Ryan, Christina and one of her partners. Actually
I let you give her a shout out and everything.
(02:53):
They actually want a contest. So at every one of
our lunch and learns, we offer for one or two
of the real estate agents in the room to win
a guest appearance on the Business Happy Hour, And I'm
super happy Christina one. She was so dynamic, she was
up there asking questions and participating. And you know, if
I could have given it to somebody, it honestly would
have been you. And I'm not full of it. So
(03:14):
when we pulled your card in your partner's card, I'm.
Speaker 5 (03:16):
Like, what, this is amazing.
Speaker 4 (03:18):
So we've got two real estate agents on the show.
We have two mortgage professionals on the show. Oh, I know,
who knows what the heck could happen here? But I
tell you what, you guys are going to learn a
lot today. I have a feeling Christina's going to talk
to you about a listing. Am I putting you on
the spot? Do you have something for us?
Speaker 7 (03:35):
I do have a listing, Yes, So we're going to.
Speaker 4 (03:37):
Learn about a secret listing that's probably listed because we'll
go to jail these days if we do these pocket
listing things anymore.
Speaker 5 (03:45):
No.
Speaker 4 (03:46):
But I learned sitting right here five minutes ago, that
this is Christina's first time on a radio show.
Speaker 5 (03:52):
Have you done a podcast?
Speaker 6 (03:54):
I have not.
Speaker 8 (03:55):
I mean my own that my not real podcast, but
you know on video.
Speaker 5 (04:00):
Okay, okay, so hold on.
Speaker 4 (04:01):
So it's her first actual someone else's podcast, it's her
first actual radio show, and it's her first time on Instagram.
Speaker 5 (04:08):
I'm live what.
Speaker 9 (04:09):
That's a that's an online turkey right there.
Speaker 5 (04:11):
I want to thank you. That's what I was looking.
Speaker 7 (04:13):
For, right And this is literally in my first period podcast.
Speaker 8 (04:16):
Like all of this, you know, it's it's been an
idea but never actually came into fruition.
Speaker 4 (04:21):
Well, congratulations, today you're walking out with me?
Speaker 5 (04:23):
Is the day that is? She's getting three stripes today.
Speaker 7 (04:26):
I mean, you're like a share a black belt.
Speaker 4 (04:29):
You are, You're going right from like yollo to black today.
I don't even know, but it's going to be a
great show. So so Christina's already doing well because sin
a lot of times we have people on and they've
never been on radio and you can't even hear them
on the thing. They're shy.
Speaker 6 (04:42):
You can tell she's been practicing this in her mind
from the day that we have and here we are.
Speaker 5 (04:47):
Do you think we're gonna have a problem with her
being shy?
Speaker 4 (04:49):
I don't know, I know, I don't think you don't strike.
Speaker 9 (04:51):
Me as I don't scare of Frank.
Speaker 5 (04:53):
She's going to do great. Well. You know, I am
a little boisterous today and.
Speaker 4 (04:57):
Normally I do have energy, and I'm glad I have
this energy because I'm going into this presentation later. We're
going to do a lunch and learn at GITAR today.
If you're watching the Instagram live, you actually could still
make it to this. It's going to start at twelve
o'clock at g TAR, which is now called Star.
Speaker 6 (05:12):
I was gonna say, I'm like, I don't think they
call it guitar.
Speaker 4 (05:14):
Anymar Listen, if you've been in the real estate industry
more than like six months, it's freaking gitah.
Speaker 6 (05:19):
For me, it's always going to be g Yeah.
Speaker 5 (05:21):
What is STAR stand for?
Speaker 8 (05:23):
I didn't even know about Sun Coasts?
Speaker 5 (05:30):
Is it sun Coast Tampa associated GITAR?
Speaker 9 (05:33):
Yeah?
Speaker 5 (05:33):
What is it? Now? What is STAR stand for? Anybody?
I don't even know? It's something association of real Yeah. Absolutely,
we're gonna say it's sun Coast. Do you think it
is super Oh? It is superb. She's the same address.
This girl's already good.
Speaker 4 (05:48):
She's already making stuff up. I told her before the show,
was like tell stories and she's just making applies right now. No,
it's a good story. I didn't say lies, I said story.
So yes, we're gonna have a great show, so anyway
you can make it. It starts at twelve. We have
Thomas from Stellar AI coming on talking from twelve to one.
He's doing AI solutions for real estate agents. You should
(06:09):
slide over there, Christina, it'll be good. At least you've
heard my present my presentation, and he's going to do
an offer for real estate sen You should come too
and tell you.
Speaker 6 (06:19):
I know, I was wondering how we're going to make
the noontime, but I don't think.
Speaker 4 (06:23):
He's going on at twelve. He's going to do a
special offer for real estate agents. I don't want to
spoil it, but there's going to be something where you
guys are going to be able to do gals do
a plug and play. Like basically, if you wanted to
get into AI for real estate, it's not going to
be confusing for you.
Speaker 5 (06:37):
Today he's going to.
Speaker 4 (06:38):
Show you you pay this amount per month and this
is what you get, and we do it for you
so it's really interesting. And then I'm doing all the
most creative products in the industry, from ford mortgages all
the way to reverse mortgages and private money. From about
one fifteen until two fifteen or two thirty, we're going
to have a little Tijuana Flats lunch. So if you
want to slide over to g Tar Star whatever you
(06:58):
want to call it on Kennedy, get there by twelve
to hear Thomas. If you get there by one, you'll
get to hear me speak. And don't worry about registration.
As long as a fire marshal doesn't kick us out,
you can come in the door.
Speaker 5 (07:08):
Hopefully we do. But anyway, I would love to see that.
That's what everybody's like. What if there's too many people?
I'm like, that's the greatest problem ever.
Speaker 4 (07:15):
You know. People say, well, well what I had to
somebody the other I'll just talk. Let's just talk for
a second before.
Speaker 5 (07:19):
We go into news.
Speaker 4 (07:20):
So I had a person, when I canna say who
it is, but a person who calls leads for real
estate mortgages, right, And I gave them some leads, and
I said, call through these and and you know, let
me know when you get one, and say, well, what's
the system? I said, you call text an email, right,
make a call. If you don't get them your text.
If you don't get them, you send an email referencing
you're calling your text.
Speaker 5 (07:41):
Right.
Speaker 4 (07:42):
So the person says, well, boss, I didn't want to,
I just spoiled it. Well, boss, you don't know which one. Well, Boss,
I don't want to. I don't want to burden them.
I don't want to inundate them.
Speaker 5 (07:51):
I said, so, what's your job?
Speaker 4 (07:53):
Said, well, I'm an originator. I said, well, your jobs
you're a salesperson. So you call them, you text them,
and you email them until they tell you to stop.
Speaker 7 (08:03):
Same thing.
Speaker 5 (08:04):
I say, thank you.
Speaker 4 (08:05):
Christy, because if you don't, you're not even doing your job.
And what if they get upset? I said, let me
know when that happens, because I very rarely do have
someone say you are over communicating or you are over trying.
I actually did have a real estate agent this last
week say, man, I'm kind of getting a lot of
messages and we're not even closed yet. But the file
was clear to close three weeks early. Three weeks did
(08:27):
they give us a sixty day contract? We did it
in well three weeks early. It took five weeks because
it was a complicated deal. But and I'm like, well,
I'm just trying to communicate and tell you that the
deal's done and we can be ahead of the game
and this and this.
Speaker 5 (08:38):
She's like, yeah, I know, but it's kind of a lot.
Speaker 4 (08:40):
I'm like, you're actually the first person who's ever told
me in twenty five years that we are over communicating.
And I said, would you like the opposite?
Speaker 5 (08:48):
You know, so that's a good thing. Then it was
a great complaint.
Speaker 3 (08:51):
Yeah.
Speaker 5 (08:51):
Yeah.
Speaker 4 (08:51):
And in the end, we're doing lunch, you know, because
I'm like, well, what do you want me to do?
You're like, well, you want me to not communicate when
we're clear to close?
Speaker 5 (08:56):
Anyway, lesson been there.
Speaker 4 (08:59):
Yes, thank you in trouble for over communicating, because if
you under communicate, you make no money and you don't
help your client.
Speaker 5 (09:05):
There's my tip of the day.
Speaker 4 (09:07):
Let's do let's do a little current news. Let's everybody
chime in on this, and then we get into the
next segment. Well, we'll do some stats and I want
Christina to chime in on the stats. Uh, And then
we're gonna find out who Christina is and we're going
to talk about the strategy with Ryan. We're going to
talk lunch and learns. We're gonna talk partners, We're gonna
talk short sales. That's going to be exciting. You guys
haven't heard that word in a long time. But before listen,
(09:28):
love him or hate him, there's two people in the
last few days who I think have made a major impact.
Speaker 5 (09:34):
Right.
Speaker 4 (09:34):
One of them is local. We'll start with this guy,
Baker Mayfield. Anybody watched the Bucks game this weekend? Christina,
do you watch the Bucks game?
Speaker 7 (09:40):
My husband was there.
Speaker 4 (09:41):
Yes, I'm sure he came back happy.
Speaker 7 (09:44):
Oh, he was so happy.
Speaker 5 (09:45):
It was one of the greatest games.
Speaker 4 (09:47):
And I heard the fourteen Oh that oh the one
where Baker like took it like right.
Speaker 9 (09:52):
Up into the arm out.
Speaker 5 (09:53):
Oh. I mean, I'm looking at this guy. Who is
this guy? Now, we've lost all of our receivers.
Speaker 4 (09:58):
Basically Evans is gone, Godwin's gone, Igbuka who took over
is gone.
Speaker 5 (10:03):
You know, We've lost.
Speaker 4 (10:04):
Bucky like and we're still rocketed because of Baker Mayfield. Absolutely, Ryan,
I think we have a franchise quarterback.
Speaker 5 (10:10):
What do you think I think we do?
Speaker 9 (10:11):
And speaking of god Win, he did find Jesus Christ's life,
so I think he's got a little extra power right now.
Speaker 5 (10:16):
If you ask me, did he really that's good to hear? Yes, good.
I mean he had the name for.
Speaker 4 (10:20):
It, God wins. Always speaking of God winning. What do
you think about what happened with Donald Trump bringing a
little piece to the Middle East.
Speaker 9 (10:29):
I think it's fantastic. I love his timeline was taking
three thousand years, he says, but I appreciate any time
we can get peace anywhere in the world. I think
it's beautiful.
Speaker 4 (10:39):
I do too, you know, And I'll be honest, I
was skeptical. You know, all you hear about all this stuff,
hear what they're gonna do, and I'm like, ah, you know,
it's a lot of talk.
Speaker 5 (10:45):
It wasn't until I saw.
Speaker 4 (10:47):
The videos Monday morning, which which literally brought a tear
to my eye of seeing all the people returning to
Gaza and the people walking on that beautiful strip of beach.
I mean, let's not forget that's like a that's a
Mediterranean beach. It is a beautiful piece of real estate.
And it sounds to me like the angle is they're
going to actually try to develop it and turn it
into something amazing. And I think that's how he got
the countries together. It was more of a vision than
(11:08):
just saying, oh, we're going to be on the Palestinian
side or the Israeli side. It was kind of a
bigger vision for the area. And to see those people
going home and with no fighting, no war, you know,
getting to I can't imagine being displaced from your home
for that long in your family.
Speaker 5 (11:23):
And I was just excited.
Speaker 4 (11:24):
So God blessed Donald Trump, God bless you know, everybody
who got together to fix that problem.
Speaker 5 (11:31):
Let's hope it holds.
Speaker 4 (11:32):
I think it will because they have a lot of
a lot of the Arab States, a lot of the
other countries are supporting this, and that's what was really
needed to do it.
Speaker 5 (11:40):
So love him or hate them.
Speaker 4 (11:41):
At breakfast this morning with a guy from the other side,
he's like, I got to give them props, and I
have to too. So happy to see the hostages come home.
Everything goes very well over there. We'll be back on
the business happier and just an just a minute, we'll
talk some real estate, some mortgages, and some social media
right here on the business Happy Are stay.
Speaker 1 (11:58):
Tuned all the best mortgage or real estate advice from
Tampa Bay's top experts. It's the Business Happy Hour with
Frank de Bank, Koto and Senia.
Speaker 4 (12:09):
Hey Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.
Speaker 5 (12:14):
I'm your host.
Speaker 4 (12:16):
Jazzed up Frank the Bank here today, having a great day,
lots of energy again. We got Ryan Owens in the studio. Hello,
mortgage broker EXTRAORDINAI. We have Christina Alonzo. She is the
owner partner at Florida's A Team which Christina, do you
know what the A Team TV show was? Yes?
Speaker 9 (12:36):
I do.
Speaker 5 (12:37):
Did you watch it?
Speaker 8 (12:37):
I say, that's why I'm wearing the jewelry.
Speaker 4 (12:40):
Actually, I'm gonna ask you about that, Julie, because you're
wearing You're wearing keys around your neck, which is pretty
fitting for a real estate agent.
Speaker 3 (12:48):
Would you say love that?
Speaker 5 (12:49):
Yes?
Speaker 3 (12:50):
I need to get me a key.
Speaker 7 (12:51):
I think that it brings up a lot of conversation.
Speaker 4 (12:54):
Absolutely, So it's like, is that the key to my
new house or is that the key to your heart?
Speaker 7 (12:58):
Eat it the city baby a?
Speaker 3 (13:00):
Yeah, somebody to ask that question.
Speaker 4 (13:04):
Yes, she built that city on car No anyway, Yeah,
losing my mind over here.
Speaker 5 (13:11):
So that's Christina.
Speaker 4 (13:12):
We got Ryan, and of course Sinya Akisha, my favorite
co host, Maharan Associate's real estate. Uh. Sinya always brings
our stats with us every week, so today is no different.
We're going to be doing stats here in just a minute.
We were just talking about the Buccaneers. We were talking
about the peace in the Middle East, which, oh, my lord,
I don't think any of us thought. I mean, I
(13:33):
don't know about you, Ryan, I'm not three thousand years old,
but I didn't think I was going to see this
happen in my lifetime. And maybe we did. I don't know.
Ryan's like pausing over there. He's like, I don't know,
I'm not ready.
Speaker 5 (13:43):
I'm not ready too soon.
Speaker 9 (13:45):
I'm really happy for all the families.
Speaker 5 (13:47):
Yes, absolutely, absolutely.
Speaker 4 (13:49):
Last thing I want to mention, there's a nip in
the air, and that can only mean one thing. If
you were raised in the woods, hunting season is upon us.
Speaker 5 (13:59):
That's right, probably farmers beef jerky season. Then beef jerky
season is up. Some of that sausage. Oh have you
ever had venison beef jerky?
Speaker 6 (14:08):
Yes, that's actually my favorite?
Speaker 5 (14:09):
Oh is it really?
Speaker 6 (14:10):
I don't have it often? But you know, you are
people from up north will bring that.
Speaker 5 (14:14):
Matter of fact, if you'll remind me, go for it.
Speaker 7 (14:16):
They have a place in tarp and Springs.
Speaker 5 (14:18):
Uh huh.
Speaker 8 (14:19):
That's like a beef jerky store, and so they literally
have like gator, venison, snake get any type of beef jerkey,
snake jerky.
Speaker 6 (14:27):
I'm actually putting that. Yeahs about the beef jerky place.
Speaker 5 (14:31):
Yes, yeah, So I will bring all of you some
deer jerky. I promise.
Speaker 9 (14:35):
I'm want to remember that because it's on the radio,
it's on Instagram Live, got all kinds of proof, so
we'll be looking.
Speaker 4 (14:41):
Forward there is We're gonna get some deer jerky. I
was just up at the farm clearing land cutting trees.
I cut the biggest tree I've ever cut in my life.
I think I think I'm like a lumberjack. Now I'm
not sure. Although I didn't use an axe, but I
did cut a tree down. You can see it on
my Instagram.
Speaker 5 (14:54):
It's pretty cool.
Speaker 4 (14:55):
By the way, if a tree falls in the woods
and no one is there, does it make a sound? Yes,
yes it does, and it's loud. I will tell you what
trees sounds like. One hundred foot pine tree when it
hits the ground.
Speaker 5 (15:04):
Shakes the ground. All right, guys, let's go into some
real estates. Send.
Speaker 4 (15:08):
You always have great statistics for us, and I'd love
for you to.
Speaker 5 (15:12):
Go over those. Ryan, you probably want to jump on
the Wi Fi.
Speaker 4 (15:15):
I notice your uh your IG connection is a little
uh less than.
Speaker 5 (15:19):
Beautiful like you are. Yeah, so uh, there you go.
Speaker 4 (15:22):
We're going to get you the password texted over on
that group thread in just a second from James for you. Ryan,
by the way, do that and oh go ahead, I
would say Instagram, I mean a radio list Oh you
two send. Yeah, you probably hop on the Wi Fi too.
Speaker 5 (15:33):
Yours is am I not your's? Is weird? I don't
know so weird. You're just looking weird to me over here,
But anyway, you're sorry.
Speaker 4 (15:41):
If you want to see what Christina looks like, or
even Senya, all right, if you want to see the
keys around missus T's neck over there from the A teen,
you probably should be watching our Instagram show. So for
all of you radio listeners, we do go live on Instagram.
You can follow Frank the bank Codo on Instagram and
we go live.
Speaker 5 (16:00):
I've usually at eleven every week, right, and that what
time we normally do.
Speaker 6 (16:04):
Well, we try to get here at eleven.
Speaker 5 (16:08):
She look at me.
Speaker 4 (16:08):
Getting called out every morning, but yes, she is right.
We try to go live at eleven sometimes a little
after today we're very early. But you have to follow
Frank the bank codo or you can follow Sennia as well.
Speaker 5 (16:19):
What's your IG?
Speaker 6 (16:20):
That's a realtor, sense a realtor?
Speaker 5 (16:23):
Kaos got it.
Speaker 4 (16:24):
Right, And that's on ig and you follow us and
then you'll be able to watch our Instagram lives and
you can see what Christina and Senia look like. I
promise they look better than me. I promise Ryan close.
But well I can agree with that first part. And
Ryan has this AI stuff. He can make himself look
better at me anytime he wants. So I have to
be very careful.
Speaker 5 (16:44):
Look pretty weird, pretty weird. You get your WiFi password.
Speaker 9 (16:49):
I've had it the whole time to get iHeart and
make sure they got their wife.
Speaker 5 (16:52):
I don't know what's doing weird?
Speaker 3 (16:54):
You know what?
Speaker 6 (16:54):
Because I look okay and it looks okay. But no,
but now you look a little fuzzy and so Bryan,
So I don't know.
Speaker 5 (17:00):
Well, that's not an animal. Let's just hope everybody looks good. Cenya.
Speaker 4 (17:06):
Last week you educated me about holdo, hold on, let
me remember assumption.
Speaker 5 (17:11):
Rate as absorption. I was close.
Speaker 4 (17:14):
It was an as something absorption rate, and I went
off talking about that to people. I did a presentation
after having with you on the radio show, and I
was talked in front of some agents and they were
very impressed. Okay, so you helped me impress somebody. And
I'm like this, this absorption rate has something to do
with where our market is going. I don't know if
we have anything on that today, but.
Speaker 6 (17:35):
Well, I mean there so we have the August numbers,
and yes, we did talked about the absorption rate, which
is just pretty much another way of saying, you know,
when we talk about the month's supply of inventory, mm hmm,
those are very you know, closely tied. It's just a
matter of how you say it. The absorption rate. You
give a percent months supply, we talk about, you know, months.
So right now in Hillsborough County we're at four point
(17:55):
one month supply, okay, to kind of be in the
middle the equilibrium that's traditionally been six okay for absorption rate.
If it's twenty percent or above that signals a seller's.
Speaker 4 (18:08):
Market, got it, and we're alwa, twenty and fifteen.
Speaker 6 (18:10):
Well, I mean it's definitely told you. I think it
was like around two hundred and fifty percent back in
our you know, pandemic market, which you know, that's why
everything there was just no inventory for people to buy,
prices went up. But even still we have not seen
these numbers get to the twenty Okay, so we're in
the twenty so like twenty a in Hillsboro, twenty five percent, Panellas,
(18:32):
twenty five percent Pasco. So they have been decreasing. But
the point is they haven't hit that twenty percent, which
you know, anything over twenty percent that signals a seller's market.
Speaker 4 (18:43):
So has it been up above that or has it
been below it? And now it's up it's been above that?
Speaker 6 (18:47):
Okay, we've been going down a bit. But the point is,
if all these buyers, you know, come into the market
and they start buying up these homes, there's really just
not enough inventory to you know, go around.
Speaker 4 (19:00):
Right right, How do you feel about that, Christina? With
the inventory in the way that.
Speaker 8 (19:03):
Works primarily my market, Tornado, So I think it's a
little bit different there. I'm seeing more inventory than I've
ever seen in my career.
Speaker 7 (19:11):
Wow, you know my search is.
Speaker 8 (19:13):
I was just talking about that with a client and
when i'd say, hey, I'm putting a listing on the market.
We're going highest and best because I know it's going
to be highest and best.
Speaker 7 (19:20):
And we're going to tell them. We'll let them know monday.
Speaker 8 (19:22):
You know.
Speaker 7 (19:22):
Now, I'm like, we got an offer, let's work this out.
Speaker 6 (19:26):
Yeah, you know, no, definitely, so inventory just from the
levels that the low low levels that they were, we've
definitely picked up. That's why we say for buyers, this
is the time you have so much to choose from.
And even though you know, we're seeing these numbers to say, hey,
it's still a seller's market, right, it's really it hasn't
been because of the buyer demand.
Speaker 9 (19:45):
Not quite.
Speaker 6 (19:46):
They're not out there right now right, they're you know,
still being a little bit skittish and no, you know,
interest rates and this and that they're waiting for them
to go even lower, which our hope is. And Ryan
was right on the last show. We held you to
it and you were right le.
Speaker 5 (20:00):
Here on the Business Happy Hour.
Speaker 4 (20:00):
When we get back, we're gonna find out what was
Ryan right about and we're going to talk about this
market with stats from Senni Aikisha and Maharan Associate. Stay tuned,
we'll be right back on the Business Happy Hour.
Speaker 1 (20:10):
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 Associates.
Speaker 2 (20:25):
Tampa's top real estate company.
Speaker 1 (20:27):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 3 (20:32):
If you're looking for local mortgage.
Speaker 1 (20:34):
Or real estate advice, the Business Happy Hour team has
been right here on news radio WFLA for over a decade.
Listen right here, or find 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 3 (20:54):
Here's Frank de Bank and Senia.
Speaker 4 (20:56):
All right, Tampa Bay, Welcome back to the Business Happy Hour.
We're having too much in the break. Don't forget if
you want to hear all of the crazy stuff we
talk about in the break and you want to see
what our beautiful guests and Senia look like. The only
way to do it is to follow us on Instagram.
That's Frank the Bank codo on Instagram or realtor ksee
n on Instagram, And of course we do put it
(21:16):
on the Facebook machine as well, and we send it
out via courier pigeons at eleven am every Tuesday, So
you're going to have to catch a bird or catch
us on Instagram one way or the other, and you
get to listen and see both. You can also chime
in on Instagram, which is nice. If you have any questions,
I'm watching it all throughout the whole show.
Speaker 5 (21:33):
You can ask away. Yeah, ask some question, Please ask
some questions.
Speaker 9 (21:36):
Love that.
Speaker 5 (21:37):
So let's go back to stats. Senia. You started kind
of going into some numbers.
Speaker 4 (21:40):
I want to love you and Christina kind of banter
on these stats a little bit, and then Ryan and
I these lowly mortgage guys, we'll just chime in behind
the scenes, and then we're going to find out more
about Christina and Ryan.
Speaker 6 (21:50):
Okay, sounds good, and I love it that Christina is
from Hernando. So actually like the market that it pulls
for us, I have a breakdown of Hillsborough Panella's, Pasco nice,
but for our metro it actually does include Hernando. I
don't know if it's like all of it or just
like what's the part of Stellar.
Speaker 8 (22:06):
Yeah, the majority is Stellar. I mean we do have
a local board. It's starting to have not as many
listings on there as and a lot of the bigger
agents have both like we had both yep.
Speaker 4 (22:20):
Yep, and well, actually I didn't realize you were Hernando.
So I agree that works out really well because we
normally talk about the Tri County area, so we can
get a little inside. So you take it away, give
us some more what you have and then we'll banter
on that.
Speaker 6 (22:31):
Well, I don't have a pulldown of just Hernando, so
this is the one where it mixes up the whole
four so closed sales in August, we're you know, still
down a bit by six point eight percent, okay, So
that just signals you know, our activity or you know
we're still and it's year over year numbers, So this
is comparing it to August of last year. The media
(22:52):
and sale price came in at four hundred thousand, the
average sale price five hundred and eighteen thousand, forty three
days median time on market, and the month supply is
a four point three hmm.
Speaker 5 (23:06):
Now, how do you how do you think? How does
that stack?
Speaker 3 (23:08):
Now?
Speaker 5 (23:08):
That does that include Hernando?
Speaker 6 (23:09):
Or this includes Hernando? So this pretty much averages out. Yeah,
the three that I have the full breakdown of plus Hernando.
Speaker 4 (23:15):
So Christina, what you see specifically in Hernando? Would you
agree with the you know, things dropping a.
Speaker 7 (23:21):
Little or you're saying your hands are dropping?
Speaker 5 (23:22):
They are as far as.
Speaker 8 (23:24):
I mean, I everybody says, I feel like it's a
buyer's market, right, like buyers are waiting for interest rates
to drop, but not understanding that you have the advantage now,
especially me working heavy on the listing side.
Speaker 7 (23:38):
Yes, there's no.
Speaker 8 (23:39):
Way that you would even come to me asking for
a penny. I don't care if you went over the
price point because we're going to have so many corporate buyers,
so many, you know, just so much to offer a
seller that those offers were just I used to have
an Excel spreadsheet and I would just separate them. This
is this, this is that these are the best ones. Wow,
Like now you want to low interest rate, your seller
is gonna get you that money to buy your interest
(24:02):
rate down?
Speaker 7 (24:02):
What are you waiting for?
Speaker 5 (24:04):
Right?
Speaker 4 (24:04):
What are you waiting for? And we didn't, by the way,
we did not tell her what to say, all right,
she came her own brain and her own info. What
what else are you seeing in anything like?
Speaker 8 (24:15):
Well?
Speaker 3 (24:15):
Yeah, no.
Speaker 6 (24:15):
My whole point was that even with the absorption rate,
is that because the buyers are in such a good
you know place right now to be able to negotiate
the deals. Uh, they need to do it now because
if you actually look at the real metrics, that signal
you know, buyer's market doesn't really signal that only because
not as many buyers are in the market once they
do come in. I do think that it's just going
(24:38):
to create, you know, that that competition. Again, sellers are
not going to be that motivated to give you concessions
and you know, buy down your rate even price negotiating
if they've got multiple offers to choose from.
Speaker 7 (24:51):
Right, You're not even you get that. So you get
that topy email.
Speaker 4 (24:55):
For you know all that, Chris Christina, do you hear
she just had a copy and past email because you
haven't prepared and changes. So it's just funny how she
mimics exactly what Senny and I keep telling everybody. It's like, guys,
this is your time. Matter of fact, speaking of rates, uh,
the Fed chair Jerome dummy Powell is going to be
speaking today at twelve twenty. I had a client yesterday say,
(25:18):
should we hold on locking the rates because the Powell's
gonna speak. I'm like, dude, no, you lock your freaking
rate because everything's baked in already, right, it doesn't matter
if we are expecting them to drop the rates. And
when there's an expectation, that means it's already in the market.
So just get under contract. For what Christina and Senia
are saying, this is the time that you can negotiate, Okay,
(25:40):
as soon as or.
Speaker 8 (25:41):
We got to teach you something that you don't know.
Today's buyer doesn't understand appraisal gap contingency.
Speaker 5 (25:48):
Wow.
Speaker 7 (25:49):
Wow, what is ever hurt that?
Speaker 8 (25:51):
That's when you're paying more than the house is a
praise for and you're coming in with the difference if
you really want this house.
Speaker 4 (25:56):
So wait, you're basically telling the seller, Hey, listen, I'm
just gonna pay whatever you want. Because I don't have
another house to choose from.
Speaker 7 (26:03):
Yeah, basically pretty much.
Speaker 4 (26:05):
And that goes along with the word inventory that you
and I talk about.
Speaker 5 (26:08):
And that's that whole assumption rate that you.
Speaker 4 (26:10):
Educated me on as absorbent. I'm going to keep saying,
assuming the assumption rates have the assumption rate, Ryan, what's
an assumption rate?
Speaker 9 (26:20):
I don't like assumptions because I don't get to do
those deals.
Speaker 5 (26:24):
Yes, so I don't.
Speaker 9 (26:25):
I don't want to talk about assumable or assumptions of
any kind.
Speaker 3 (26:28):
No.
Speaker 5 (26:28):
But but the Treasury yield did dip today as.
Speaker 9 (26:30):
People are investors are a waiting Pal's information today, So
the tenure did fall to four percent, indicating slightly lower
interest rates are on their way. But if you're working
with a wholesale brooker, you really don't have to worry
about that too much.
Speaker 4 (26:41):
Intent Ryan, just a curious I know you can't quote
an exact rate without an APR, But what what would
you say you could lock underneath right now?
Speaker 5 (26:49):
Oh?
Speaker 9 (26:49):
I mean I can tell you right now, I'm locking
buyers in below six percent all day long and twice
on Sunday.
Speaker 5 (26:55):
Oh uh.
Speaker 9 (26:56):
And most people still think that the old news was
that most mortgages were below four percent. That's not the
case anymore. It's completely flip flopped. The majority of rates
are going above and beyond six percent. And I'm locking
buyers in below six percent all the time.
Speaker 4 (27:10):
All day long, mass out of by down without a buydown,
out a bid down.
Speaker 8 (27:14):
If I bring you some buydown money, that means they're
even getting a better rate.
Speaker 5 (27:17):
You got it.
Speaker 4 (27:18):
Yeah, So yesterday we gave in an estimate to somebody.
We showed him, uh five eight seven five without a
buy down, just a nominal fee.
Speaker 5 (27:27):
Okay.
Speaker 4 (27:27):
Then we also showed him six and and eighth with
zero lending fees, like nothing, just third party closing cost.
And the guy was very savvy and he realizes, like
most people, you're going to refinance probably in the next
year after the you know, powells out and all that
stuff changes. And he goes, well, Frank, if you can
go zero at six and an eighth, what if we
(27:48):
go to six and a half, because it's only one
hundred dollars difference in my payment. So we ran it
and we got him four thousand dollars. So even if
the seller isn't giving any credits, which they are right now,
we got him four thousand off his other closing cost
because he knows it only cost him one hundred dollars
more a month. So if he refinances in twelve months,
do the math four thousand minus twelve hundred, he wins
(28:09):
by twenty eight hundred dollars, which means he carries that
into his refi Christina, which only means he can use
that to buy down when they drop into the low fives,
into the low fours.
Speaker 5 (28:21):
That's good, right, So it's all about math. It's all
about it.
Speaker 6 (28:24):
I like that you guys do the math like you
did it, you know with a good friend of mine.
It's like, all right, here's this rate, you know, but
you're bringing this to the table, and then here's this rate.
You're bringing this difference you know in the monthly payment,
which was pretty minimal. But the amount extra she would
have to bring for the buy down just doesn't make sense,
especially if potentially she's going to be refining.
Speaker 5 (28:43):
Yep.
Speaker 4 (28:43):
So, Christina, when you negotiate those thank you, sen When
you get negotiate those deals with the sellers, get the
closing costs for the people, but buyers don't buy down
your rate apply that to cover all of your other
closing costs and maybe even get a lender credit to
cover every Imagine if you go in and buy a
house and you literally pay zero for closing costs, just
(29:06):
your down payment and your normal closing costs. Let's just
say are eight grand, right, That means you have eight
thousand dollars to apply to a buy down when the
rates drop, and if these rates drop into the fours,
which could happen, you could buy down to the threes.
That means you're like going back in the future, like
Michael J. Fox Baby, back to COVID rates.
Speaker 5 (29:26):
That's what you're doing those right. That was a good analogy.
Speaker 4 (29:29):
So Christina, tell us you are the partner owner of
Florida's A Team, one of my favorite shows ever. Tell
us a little bit about you. How'd you get into
real estate? Where'd you come from? I know you focus
on Hernando, which is this is the first agent we've
had to focus it on Hernando.
Speaker 7 (29:43):
Oh, thank you, thank you.
Speaker 5 (29:44):
So tell us about you.
Speaker 7 (29:46):
Well, I come from an education background.
Speaker 8 (29:49):
I was a guidance counselor, then a dean of a
local allied health school.
Speaker 7 (29:52):
Oh my mom was.
Speaker 8 (29:54):
An investor and she's like, get your real estate license,
And to be honest, I was like, I went to oh.
Speaker 7 (30:00):
For blah blah blah for fun, I would be a
real tour.
Speaker 8 (30:03):
You know, And but I I went, I took the
course at We had this thought that if you were
a real estate agent, that you were going to find
all of the listings and she wasn't going to have
to compete with anybody. Like that was just the thought,
like that's how this worked.
Speaker 7 (30:18):
Apparently it doesn't.
Speaker 8 (30:20):
But I got my real estate license and the very
next day we had a tragedy happen. My husband and
I went out to celebrate and he saw a lady
that looked like she was being kidnapped and he stepped
in to try to help her, and he was shot
and my.
Speaker 6 (30:37):
Son was shot.
Speaker 8 (30:39):
So that's how I say, we kind of blasted into
real estate. So it spent like the first year he
was innovated in the hospital and my son was was well.
He got shot that you know, he was out like
in a few days, went through his foot. But my
husband was shot in the stomach and he you know,
they said he wasn't gonna make it, but God had
another plan. So my husband, he comes from a background
(31:01):
of boxing, and.
Speaker 7 (31:02):
I'll give you the quick synopsis. So when he.
Speaker 8 (31:06):
Was able to recover, took like about six months. He
had to put a coloss me bag and he got
really depressed. And as you know, with the counseling background,
I'm like, man, how do I like? I let him
mope for a little bit, and then I just got
tired of it and I was like, look, God saved you.
You know there's another purpose for you. Why don't you
get your real estate license and join me? Because he
(31:27):
is very known in our area. He's been there since
he's young. He's you know, two time title winner. Now
he's a four time Hall of Famer. But so I
was like, with your sphere of influence in my brain,
will take over. So that kind of went into his
head like that whole takeover thing, you know, not that
we're taking over, but you know I knew that I
had to do a play on psychology with words with him.
Speaker 5 (31:49):
So he did.
Speaker 7 (31:49):
He got his real estate license. We build a team.
Speaker 8 (31:51):
We did really well as a team, and you know,
I come from a business kind of background with my family,
and it was just the next stage to open up
a brokerage and there we are. We got like forty
one agents and loving what we're doing, growing and learning
every single day.
Speaker 5 (32:05):
You are amazing. You're still amazing.
Speaker 4 (32:07):
It's almost like you do a radio show because you
brought that all the way to the end of the segment.
We're going to take a break with that amazing story
from Christina Alonso that I've never heard. We'll be back
in the Business Happy Are for our last segment in
just a minute.
Speaker 1 (32:18):
Let's get back to the Business Happy Hour radio show
with your host Frank the bank Koto, owner of Lincoln
Lending Group, and his co host Senia Akishna.
Speaker 2 (32:26):
Realtor with Mahara and associates.
Speaker 4 (32:29):
All right, guys, we're on our last segment here, welcome
back to the Business Happy Our Christina Alonso, our superstar
guest from Florida's A Team, the partner owner.
Speaker 5 (32:38):
Of the company we just learned.
Speaker 4 (32:40):
We just learned a really interesting story about how she,
you know, really took off in real estate and got
her husband nurse back to health, which, like Ryan said
in the break, if he did not have you, he
may not be here today. But I truly believe everything
happens for a reason, and clearly you you turned the
page on that tragedy, and I was not expecting that story.
But you know, I want to learn a little bit
(33:02):
more about who your client is. We know, Hernando, that's
your home base, which is awesome because Senna and I
don't do a lot of business up there, so we
can definitely work with you on that. And then Ryan
is your partner and mortgages over here, Rhino Mortgages. He's
got the backing of Lincoln Lending Group, so he's got
to get anything done. But tell us about these short sales, right, Senate.
(33:22):
We haven't heard the word short sale in a long time.
Speaker 6 (33:24):
You know what, we really don't talk short sales, but
I mean we've been hearing it come up. So I'm
excited that. Yeah, you said you have a seminar coming
up for short Well.
Speaker 7 (33:32):
We just on the drive here had the idea.
Speaker 8 (33:34):
Have a very good friend, attorney Joryce Rodriguez from Ocean
Sands Title, and she's been helping me with some clients
who just for whatever reason, we're not able to make
their mortgage payment. Some of them had some tragedies happen,
illnesses in the family, something happens, and it can change,
you know, the whole family. System finances, so houses were
(33:55):
they weren't making their mortgage payment, facing foreclosure.
Speaker 7 (33:58):
And Doris is like, why don't you try to get
them to, you know, to short sale.
Speaker 8 (34:01):
And I'm like, well, explain that to me because I've
never done a short sale before. So short sale is
a great way for the seller not to go into foreclosure. Uh,
they if you know, there's different guidelines as if family,
if it's a if it's an FAH loan, or it's
a VA loan, but specifically it avoids them going into foreclosure.
Speaker 7 (34:17):
They're able to buy again in three years.
Speaker 8 (34:20):
They can partner up with you know, with Ryan Ryan
and Lincoln Lending, and and they don't have to use
that lender has nothing to do with that. And and
the great incentive is this is for a patient buyer.
So if your buyer's leases up and they need to
move in a month, not the situation from them, but
if you have someone that's patient, they can pick up.
So the house has to be appraised at what the
(34:42):
value is now, and then it starts at a certain percentage,
like eighty six percent, eighty four percent, eighty percent. So
I'd had a house that a client still had like
a four hundred and twenty thousand for you know number statistics,
four hundred and twenty thousand dollars.
Speaker 7 (34:54):
Property up in Ruskin appraised at three sixty two.
Speaker 8 (34:58):
My buyer, because I got the bu is purchasing this
house at three twenty five with all of her closing included.
Speaker 4 (35:05):
What that's like three hundred yeah, yeah, yeah, that's insane.
Speaker 8 (35:09):
It's a five bedroom like a mile away from the
beach and Ruskin.
Speaker 4 (35:12):
It's so twenty percent off. Guys are eighteen percent something
like that. It's a lot.
Speaker 8 (35:17):
Yeah, it's it's a an amazing opportunity for a patient
buyer and for a seller not to go in foreclosure,
because who wants a foreclosure on their record?
Speaker 6 (35:24):
You've seen like a decent uptick though.
Speaker 8 (35:26):
Oh yes I have, okay, Or you know, when you
start seeing as realtors, if you have if filtures are listening,
and you even go on Zilo and you see like
this could potentially be a foreclosure, that's a niche for
you to let them know that you can help them.
And you have buyers that are like, man, I'd really
love to get a house like this, but I can't
afford that. Maybe in the future It'll be like, well,
you know what, how patient are you a couple months?
(35:48):
You know, ride with me for ninety days, and you're
going to get that four hundred thousand dollars house for
basically three hundred.
Speaker 5 (35:53):
I love this, so I haven't I have a question
about it.
Speaker 7 (35:56):
Say that positive equity.
Speaker 4 (35:57):
It's positive echity, yes, right, And that's great because guess
what Ryan can do for you when you go to
refinance next year if you have that equity. The equity
doesn't necessarily help you on the purchase because you still
have to put a down payment down based on the
purchase price. But where it will really help you is
when you go to refinance. Let's just picture that deal
you just sold that person. Let's say that that had
(36:18):
easymouth eighteen percent equity, right, and they bought it. Now
they go to refinance next year, if they pick up
even two percent in value, which they will, I'll guarantee it,
especially when the buyers come back in the market. Now
they can refinance and get no PMI think about that,
because you'll have twenty percent equity. What if your PMI
is three hundred dollars a month on that acquisition. Let's
(36:40):
say you're in an FHA loan, you go to refinance
next year your seven three hundred dollars a month without
even dropping your rate. We're talking you're probably gonna say
five hundred.
Speaker 5 (36:49):
You can buy a new.
Speaker 8 (36:50):
Car, and your taxis are going to be lower, yes,
because you're not purchasing it at a high price point
all so your assessments are lower, the savings all around.
Speaker 5 (36:58):
I love it.
Speaker 4 (36:58):
So let me ask you this stat You may I
put you on the spot on it. But do you
are these people who are short selling did they buy
during COVID?
Speaker 5 (37:06):
Yes, ah, somebody else? Have you heard that twocent?
Speaker 9 (37:10):
Well yes, yes, oh you know because that got brought
up because the reason that most homes are in nowhere
near danger of short sales because of the twenty one
trillion dollars worth of equity and homes. So when you
bought a home hype over equity like many did during
the pandemic, yeah, you find yourself not being able to
have that safeguard of equity has a safety blanket for
(37:31):
your life.
Speaker 5 (37:32):
That equity there it is.
Speaker 4 (37:33):
So there was a couple of years we'll call it
COVID right where people did overpay for the homes right,
and if they can survive I think to the end
of next year, then the values I believe are going
to come back up because of sweet Let me jump in.
Speaker 6 (37:46):
A little bit because I also think that it's not
just that because after COVID when rates went up, huh.
I do feel that maybe those people are in a
little bit more trouble because maybe they didn't think, hey,
the home is going to get reassessed. Oh so I
think it's the people that can't make the payments.
Speaker 5 (38:04):
Yeah, because maybe they have an eight percent and yes,
if they have you.
Speaker 6 (38:07):
Know that to three percent from before. Great Now, I
do have a lot of equity now, but prices really
haven't gone way down. But if they're you know.
Speaker 4 (38:15):
I mean see this is this is why two estate
agents and two mortgage guys on a show can figure.
Speaker 5 (38:20):
Out the world. Yeah, so that makes a lot of sense.
Speaker 4 (38:23):
And so guys, by the way, if you if you're
one of those people that Senny is talking about, and
you have a rate in the high sevens or rates
you can refinance right now where we're telling a lot
of claes.
Speaker 9 (38:33):
Call us if you're seven or eight immediately.
Speaker 5 (38:35):
How do they get in touch with you?
Speaker 9 (38:37):
They get a touch with me very easily. Call Rhino
Mortgage at eight one three, seven two seven. I got
both area codes for you, make it easier for you
to remember. For zero two to one those last four digits,
call me and we'll discuss a financial strategy that will
best fit your needs.
Speaker 5 (38:51):
One more time, Ryan, what's the one, three.
Speaker 9 (38:53):
Seven, two seven for zero two one?
Speaker 4 (38:56):
And before we forget, Christina, how do they get in
touch with you if they want to talk about some
real estate up there in Hernando?
Speaker 8 (39:01):
Three five two five one five seven two nine nine
again three five two, five one five seven two nine nine.
Speaker 5 (39:08):
I can't believe this.
Speaker 4 (39:09):
Girl has never done radio or freaking who is this election?
Speaker 5 (39:13):
Boys?
Speaker 4 (39:14):
And of course, Cindya, you always bring the stats. How
do they reach you?
Speaker 6 (39:17):
I was gonna say lots of numbers going around, but
eight one three, seven five five reel.
Speaker 5 (39:21):
It's seven five five real.
Speaker 4 (39:23):
And you know what, I'm not given mine now because
you guys can just find me on ig or whatever.
And if you want to talk to Christina sin or
Ryan and you forget, just go to contact frankdbank dot com.
Say you want to speak to one of these lovely
ladies or this beautiful gentleman over here and we'll get
you in touch with them.
Speaker 5 (39:37):
Christina, this has been an amazing show. Uh, the education
on short sales.
Speaker 4 (39:42):
You got to give her a call because now she
knows how to negotiate the short sale.
Speaker 5 (39:46):
I am sure very much.
Speaker 8 (39:47):
I'm learning every single day. But with Doris by my side,
she just makes me better.
Speaker 2 (39:51):
I love.
Speaker 9 (39:51):
That's the key.
Speaker 6 (39:52):
It's the habit Adora.
Speaker 9 (39:53):
It's you.
Speaker 7 (39:54):
It's your team. It's your team.
Speaker 5 (39:55):
It is always team.
Speaker 4 (39:56):
And speaking of teams, Ryan, you and Christina make a
great team. I know you're willing to go up to
Hernando because you live halfway there.
Speaker 9 (40:02):
I want to spend a lot of time in Hernando.
Speaker 4 (40:04):
Actually yeah, and Cenia you we're going to handle Hillsboro
and Panelas over here.
Speaker 5 (40:08):
Just me and you, we're going to knock it out.
Anything sare pasco, we'll share. That's it, guys, Christina, thank
you for coming on the show. Good luck with everything.
Speaker 4 (40:16):
Christina Alando Alonso the partner with Florida's A Team and
Rhino Mortgage.
Speaker 5 (40:21):
Ryan Owens with Lincoln Lending Group.
Speaker 7 (40:23):
Thanks you guys, See you guys,
Welcome to the Business Happy Hour radio show with your host,
Frank the Bank Coodo, the owner of Lincoln Lending Group
right here in Tampa Bay for twenty three years, joined
by his incredible co host, Senia Akishana, realtor with Mahara
and Associates.
Speaker 2 (00:15):
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 3 (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.
Speaker 3 (00:32):
Us on the Business Happy Hour YouTube channel, or.
Speaker 1 (00:34):
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 3 (00:44):
Here's Frank the Bank and Senia.
Speaker 4 (00:47):
All right, Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.
WHOA I am excited this morning? You guys don't know
Frank the Bank have an excitement?
Speaker 5 (00:57):
Do you send?
Speaker 2 (00:58):
Oh?
Speaker 4 (00:59):
No?
Speaker 5 (00:59):
You usually you are always so tall.
Speaker 4 (01:02):
I don't really come in here half asleep. No, I don't,
but I am. I don't know why I am jazzed
up today. I just have extra energy. Maybe it's that
we have a big presentation going on later today. Maybe
it's because I've got Rhino from Rhino Mortgage in studio
and this guy's energy.
Speaker 5 (01:17):
I'll give you a charge. I'll give you a charger.
Speaker 4 (01:19):
Oh you will. I've seen your Sora videos. You're putting
it out. This guy the other day was riding on
a rhinoceros and then he was on a boat like
in Tampa Bay. I've seen him beating up Abraham Lincoln before.
Maybe didn't beat him up. He beat up the interest rates.
Interest rates. Oh no, he didn't know so Ryan, Ryan,
Rhino Mortgage, welcome to the show. Thank you for coming.
(01:43):
That's probably where my energy is coming from. Sinya Akishina
Maharan Associates, my amazing co host, Thank you for being
here today.
Speaker 6 (01:49):
And early, Frank, I know that for once we're early.
Speaker 4 (01:53):
I think our Instagram listeners are probably like, what's going on,
and these guys are like a half hour early. Yes,
we are so get ready. All you boys over at
Jesuit listening to us. It's your lunch break. You guys
can actually chime in today. Don't get in trouble now.
Remember you're not supposed to have your cell phones at schoolboys.
And then Christina Alonzo, how are you?
Speaker 7 (02:13):
I am doing excellent? Thank you? This is my first life.
Speaker 4 (02:16):
I okay, yeah, this blows my mind. So I got
to meet Christina probably a couple of months ago. Right,
you attended one of our Lincoln Lending Knowledge's power lunch events.
Speaker 5 (02:25):
Yes, right, how was it?
Speaker 7 (02:26):
By the way, it was excellent.
Speaker 8 (02:27):
We learned so much, created a whole PowerPoint presentation based
on yours.
Speaker 5 (02:32):
Oh my gosh.
Speaker 4 (02:33):
And I know we're gonna go help you with what
you asked earlier about doing that presentation about the short sales.
So I do want to talk about that a little
later with you because people haven't heard the word short
sale in a long time. So I'm going to put
you on the spot a little bit on short sales.
But guys, we're gonna have a great show. Christina came
in with Ryan, Christina and one of her partners. Actually
I let you give her a shout out and everything.
(02:53):
They actually want a contest. So at every one of
our lunch and learns, we offer for one or two
of the real estate agents in the room to win
a guest appearance on the Business Happy Hour, And I'm
super happy Christina one. She was so dynamic, she was
up there asking questions and participating. And you know, if
I could have given it to somebody, it honestly would
have been you. And I'm not full of it. So
(03:14):
when we pulled your card in your partner's card, I'm.
Speaker 5 (03:16):
Like, what, this is amazing.
Speaker 4 (03:18):
So we've got two real estate agents on the show.
We have two mortgage professionals on the show. Oh, I know,
who knows what the heck could happen here? But I
tell you what, you guys are going to learn a
lot today. I have a feeling Christina's going to talk
to you about a listing. Am I putting you on
the spot? Do you have something for us?
Speaker 7 (03:35):
I do have a listing, Yes, So we're going to.
Speaker 4 (03:37):
Learn about a secret listing that's probably listed because we'll
go to jail these days if we do these pocket
listing things anymore.
Speaker 5 (03:45):
No.
Speaker 4 (03:46):
But I learned sitting right here five minutes ago, that
this is Christina's first time on a radio show.
Speaker 5 (03:52):
Have you done a podcast?
Speaker 6 (03:54):
I have not.
Speaker 8 (03:55):
I mean my own that my not real podcast, but
you know on video.
Speaker 5 (04:00):
Okay, okay, so hold on.
Speaker 4 (04:01):
So it's her first actual someone else's podcast, it's her
first actual radio show, and it's her first time on Instagram.
Speaker 5 (04:08):
I'm live what.
Speaker 9 (04:09):
That's a that's an online turkey right there.
Speaker 5 (04:11):
I want to thank you. That's what I was looking.
Speaker 7 (04:13):
For, right And this is literally in my first period podcast.
Speaker 8 (04:16):
Like all of this, you know, it's it's been an
idea but never actually came into fruition.
Speaker 4 (04:21):
Well, congratulations, today you're walking out with me?
Speaker 5 (04:23):
Is the day that is? She's getting three stripes today.
Speaker 7 (04:26):
I mean, you're like a share a black belt.
Speaker 4 (04:29):
You are, You're going right from like yollo to black today.
I don't even know, but it's going to be a
great show. So so Christina's already doing well because sin
a lot of times we have people on and they've
never been on radio and you can't even hear them
on the thing. They're shy.
Speaker 6 (04:42):
You can tell she's been practicing this in her mind
from the day that we have and here we are.
Speaker 5 (04:47):
Do you think we're gonna have a problem with her
being shy?
Speaker 4 (04:49):
I don't know, I know, I don't think you don't strike.
Speaker 9 (04:51):
Me as I don't scare of Frank.
Speaker 5 (04:53):
She's going to do great. Well. You know, I am
a little boisterous today and.
Speaker 4 (04:57):
Normally I do have energy, and I'm glad I have
this energy because I'm going into this presentation later. We're
going to do a lunch and learn at GITAR today.
If you're watching the Instagram live, you actually could still
make it to this. It's going to start at twelve
o'clock at g TAR, which is now called Star.
Speaker 6 (05:12):
I was gonna say, I'm like, I don't think they
call it guitar.
Speaker 4 (05:14):
Anymar Listen, if you've been in the real estate industry
more than like six months, it's freaking gitah.
Speaker 6 (05:19):
For me, it's always going to be g Yeah.
Speaker 5 (05:21):
What is STAR stand for?
Speaker 8 (05:23):
I didn't even know about Sun Coasts?
Speaker 5 (05:30):
Is it sun Coast Tampa associated GITAR?
Speaker 9 (05:33):
Yeah?
Speaker 5 (05:33):
What is it? Now? What is STAR stand for? Anybody?
I don't even know? It's something association of real Yeah. Absolutely,
we're gonna say it's sun Coast. Do you think it
is super Oh? It is superb. She's the same address.
This girl's already good.
Speaker 4 (05:48):
She's already making stuff up. I told her before the show,
was like tell stories and she's just making applies right now. No,
it's a good story. I didn't say lies, I said story.
So yes, we're gonna have a great show, so anyway
you can make it. It starts at twelve. We have
Thomas from Stellar AI coming on talking from twelve to one.
He's doing AI solutions for real estate agents. You should
(06:09):
slide over there, Christina, it'll be good. At least you've
heard my present my presentation, and he's going to do
an offer for real estate sen You should come too
and tell you.
Speaker 6 (06:19):
I know, I was wondering how we're going to make
the noontime, but I don't think.
Speaker 4 (06:23):
He's going on at twelve. He's going to do a
special offer for real estate agents. I don't want to
spoil it, but there's going to be something where you
guys are going to be able to do gals do
a plug and play. Like basically, if you wanted to
get into AI for real estate, it's not going to
be confusing for you.
Speaker 5 (06:37):
Today he's going to.
Speaker 4 (06:38):
Show you you pay this amount per month and this
is what you get, and we do it for you
so it's really interesting. And then I'm doing all the
most creative products in the industry, from ford mortgages all
the way to reverse mortgages and private money. From about
one fifteen until two fifteen or two thirty, we're going
to have a little Tijuana Flats lunch. So if you
want to slide over to g Tar Star whatever you
(06:58):
want to call it on Kennedy, get there by twelve
to hear Thomas. If you get there by one, you'll
get to hear me speak. And don't worry about registration.
As long as a fire marshal doesn't kick us out,
you can come in the door.
Speaker 5 (07:08):
Hopefully we do. But anyway, I would love to see that.
That's what everybody's like. What if there's too many people?
I'm like, that's the greatest problem ever.
Speaker 4 (07:15):
You know. People say, well, well what I had to
somebody the other I'll just talk. Let's just talk for
a second before.
Speaker 5 (07:19):
We go into news.
Speaker 4 (07:20):
So I had a person, when I canna say who
it is, but a person who calls leads for real
estate mortgages, right, And I gave them some leads, and
I said, call through these and and you know, let
me know when you get one, and say, well, what's
the system? I said, you call text an email, right,
make a call. If you don't get them your text.
If you don't get them, you send an email referencing
you're calling your text.
Speaker 5 (07:41):
Right.
Speaker 4 (07:42):
So the person says, well, boss, I didn't want to,
I just spoiled it. Well, boss, you don't know which one. Well, Boss,
I don't want to. I don't want to burden them.
I don't want to inundate them.
Speaker 5 (07:51):
I said, so, what's your job?
Speaker 4 (07:53):
Said, well, I'm an originator. I said, well, your jobs
you're a salesperson. So you call them, you text them,
and you email them until they tell you to stop.
Speaker 7 (08:03):
Same thing.
Speaker 5 (08:04):
I say, thank you.
Speaker 4 (08:05):
Christy, because if you don't, you're not even doing your job.
And what if they get upset? I said, let me
know when that happens, because I very rarely do have
someone say you are over communicating or you are over trying.
I actually did have a real estate agent this last
week say, man, I'm kind of getting a lot of
messages and we're not even closed yet. But the file
was clear to close three weeks early. Three weeks did
(08:27):
they give us a sixty day contract? We did it
in well three weeks early. It took five weeks because
it was a complicated deal. But and I'm like, well,
I'm just trying to communicate and tell you that the
deal's done and we can be ahead of the game
and this and this.
Speaker 5 (08:38):
She's like, yeah, I know, but it's kind of a lot.
Speaker 4 (08:40):
I'm like, you're actually the first person who's ever told
me in twenty five years that we are over communicating.
And I said, would you like the opposite?
Speaker 5 (08:48):
You know, so that's a good thing. Then it was
a great complaint.
Speaker 3 (08:51):
Yeah.
Speaker 5 (08:51):
Yeah.
Speaker 4 (08:51):
And in the end, we're doing lunch, you know, because
I'm like, well, what do you want me to do?
You're like, well, you want me to not communicate when
we're clear to close?
Speaker 5 (08:56):
Anyway, lesson been there.
Speaker 4 (08:59):
Yes, thank you in trouble for over communicating, because if
you under communicate, you make no money and you don't
help your client.
Speaker 5 (09:05):
There's my tip of the day.
Speaker 4 (09:07):
Let's do let's do a little current news. Let's everybody
chime in on this, and then we get into the
next segment. Well, we'll do some stats and I want
Christina to chime in on the stats. Uh, And then
we're gonna find out who Christina is and we're going
to talk about the strategy with Ryan. We're going to
talk lunch and learns. We're gonna talk partners, We're gonna
talk short sales. That's going to be exciting. You guys
haven't heard that word in a long time. But before listen,
(09:28):
love him or hate him, there's two people in the
last few days who I think have made a major impact.
Speaker 5 (09:34):
Right.
Speaker 4 (09:34):
One of them is local. We'll start with this guy,
Baker Mayfield. Anybody watched the Bucks game this weekend? Christina,
do you watch the Bucks game?
Speaker 7 (09:40):
My husband was there.
Speaker 4 (09:41):
Yes, I'm sure he came back happy.
Speaker 7 (09:44):
Oh, he was so happy.
Speaker 5 (09:45):
It was one of the greatest games.
Speaker 4 (09:47):
And I heard the fourteen Oh that oh the one
where Baker like took it like right.
Speaker 9 (09:52):
Up into the arm out.
Speaker 5 (09:53):
Oh. I mean, I'm looking at this guy. Who is
this guy? Now, we've lost all of our receivers.
Speaker 4 (09:58):
Basically Evans is gone, Godwin's gone, Igbuka who took over
is gone.
Speaker 5 (10:03):
You know, We've lost.
Speaker 4 (10:04):
Bucky like and we're still rocketed because of Baker Mayfield. Absolutely, Ryan,
I think we have a franchise quarterback.
Speaker 5 (10:10):
What do you think I think we do?
Speaker 9 (10:11):
And speaking of god Win, he did find Jesus Christ's life,
so I think he's got a little extra power right now.
Speaker 5 (10:16):
If you ask me, did he really that's good to hear? Yes, good.
I mean he had the name for.
Speaker 4 (10:20):
It, God wins. Always speaking of God winning. What do
you think about what happened with Donald Trump bringing a
little piece to the Middle East.
Speaker 9 (10:29):
I think it's fantastic. I love his timeline was taking
three thousand years, he says, but I appreciate any time
we can get peace anywhere in the world. I think
it's beautiful.
Speaker 4 (10:39):
I do too, you know, And I'll be honest, I
was skeptical. You know, all you hear about all this stuff,
hear what they're gonna do, and I'm like, ah, you know,
it's a lot of talk.
Speaker 5 (10:45):
It wasn't until I saw.
Speaker 4 (10:47):
The videos Monday morning, which which literally brought a tear
to my eye of seeing all the people returning to
Gaza and the people walking on that beautiful strip of beach.
I mean, let's not forget that's like a that's a
Mediterranean beach. It is a beautiful piece of real estate.
And it sounds to me like the angle is they're
going to actually try to develop it and turn it
into something amazing. And I think that's how he got
the countries together. It was more of a vision than
(11:08):
just saying, oh, we're going to be on the Palestinian
side or the Israeli side. It was kind of a
bigger vision for the area. And to see those people
going home and with no fighting, no war, you know,
getting to I can't imagine being displaced from your home
for that long in your family.
Speaker 5 (11:23):
And I was just excited.
Speaker 4 (11:24):
So God blessed Donald Trump, God bless you know, everybody
who got together to fix that problem.
Speaker 5 (11:31):
Let's hope it holds.
Speaker 4 (11:32):
I think it will because they have a lot of
a lot of the Arab States, a lot of the
other countries are supporting this, and that's what was really
needed to do it.
Speaker 5 (11:40):
So love him or hate them.
Speaker 4 (11:41):
At breakfast this morning with a guy from the other side,
he's like, I got to give them props, and I
have to too. So happy to see the hostages come home.
Everything goes very well over there. We'll be back on
the business happier and just an just a minute, we'll
talk some real estate, some mortgages, and some social media
right here on the business Happy Are stay.
Speaker 1 (11:58):
Tuned all the best mortgage or real estate advice from
Tampa Bay's top experts. It's the Business Happy Hour with
Frank de Bank, Koto and Senia.
Speaker 4 (12:09):
Hey Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.
Speaker 5 (12:14):
I'm your host.
Speaker 4 (12:16):
Jazzed up Frank the Bank here today, having a great day,
lots of energy again. We got Ryan Owens in the studio. Hello,
mortgage broker EXTRAORDINAI. We have Christina Alonzo. She is the
owner partner at Florida's A Team which Christina, do you
know what the A Team TV show was? Yes?
Speaker 9 (12:36):
I do.
Speaker 5 (12:37):
Did you watch it?
Speaker 8 (12:37):
I say, that's why I'm wearing the jewelry.
Speaker 4 (12:40):
Actually, I'm gonna ask you about that, Julie, because you're
wearing You're wearing keys around your neck, which is pretty
fitting for a real estate agent.
Speaker 3 (12:48):
Would you say love that?
Speaker 5 (12:49):
Yes?
Speaker 3 (12:50):
I need to get me a key.
Speaker 7 (12:51):
I think that it brings up a lot of conversation.
Speaker 4 (12:54):
Absolutely, So it's like, is that the key to my
new house or is that the key to your heart?
Speaker 7 (12:58):
Eat it the city baby a?
Speaker 3 (13:00):
Yeah, somebody to ask that question.
Speaker 4 (13:04):
Yes, she built that city on car No anyway, Yeah,
losing my mind over here.
Speaker 5 (13:11):
So that's Christina.
Speaker 4 (13:12):
We got Ryan, and of course Sinya Akisha, my favorite
co host, Maharan Associate's real estate. Uh. Sinya always brings
our stats with us every week, so today is no different.
We're going to be doing stats here in just a minute.
We were just talking about the Buccaneers. We were talking
about the peace in the Middle East, which, oh, my lord,
I don't think any of us thought. I mean, I
(13:33):
don't know about you, Ryan, I'm not three thousand years old,
but I didn't think I was going to see this
happen in my lifetime. And maybe we did. I don't know.
Ryan's like pausing over there. He's like, I don't know,
I'm not ready.
Speaker 5 (13:43):
I'm not ready too soon.
Speaker 9 (13:45):
I'm really happy for all the families.
Speaker 5 (13:47):
Yes, absolutely, absolutely.
Speaker 4 (13:49):
Last thing I want to mention, there's a nip in
the air, and that can only mean one thing. If
you were raised in the woods, hunting season is upon us.
Speaker 5 (13:59):
That's right, probably farmers beef jerky season. Then beef jerky
season is up. Some of that sausage. Oh have you
ever had venison beef jerky?
Speaker 6 (14:08):
Yes, that's actually my favorite?
Speaker 5 (14:09):
Oh is it really?
Speaker 6 (14:10):
I don't have it often? But you know, you are
people from up north will bring that.
Speaker 5 (14:14):
Matter of fact, if you'll remind me, go for it.
Speaker 7 (14:16):
They have a place in tarp and Springs.
Speaker 5 (14:18):
Uh huh.
Speaker 8 (14:19):
That's like a beef jerky store, and so they literally
have like gator, venison, snake get any type of beef jerkey,
snake jerky.
Speaker 6 (14:27):
I'm actually putting that. Yeahs about the beef jerky place.
Speaker 5 (14:31):
Yes, yeah, So I will bring all of you some
deer jerky. I promise.
Speaker 9 (14:35):
I'm want to remember that because it's on the radio,
it's on Instagram Live, got all kinds of proof, so
we'll be looking.
Speaker 4 (14:41):
Forward there is We're gonna get some deer jerky. I
was just up at the farm clearing land cutting trees.
I cut the biggest tree I've ever cut in my life.
I think I think I'm like a lumberjack. Now I'm
not sure. Although I didn't use an axe, but I
did cut a tree down. You can see it on
my Instagram.
Speaker 5 (14:54):
It's pretty cool.
Speaker 4 (14:55):
By the way, if a tree falls in the woods
and no one is there, does it make a sound? Yes,
yes it does, and it's loud. I will tell you what
trees sounds like. One hundred foot pine tree when it
hits the ground.
Speaker 5 (15:04):
Shakes the ground. All right, guys, let's go into some
real estates. Send.
Speaker 4 (15:08):
You always have great statistics for us, and I'd love
for you to.
Speaker 5 (15:12):
Go over those. Ryan, you probably want to jump on
the Wi Fi.
Speaker 4 (15:15):
I notice your uh your IG connection is a little
uh less than.
Speaker 5 (15:19):
Beautiful like you are. Yeah, so uh, there you go.
Speaker 4 (15:22):
We're going to get you the password texted over on
that group thread in just a second from James for you. Ryan,
by the way, do that and oh go ahead, I
would say Instagram, I mean a radio list Oh you
two send. Yeah, you probably hop on the Wi Fi too.
Speaker 5 (15:33):
Yours is am I not your's? Is weird? I don't
know so weird. You're just looking weird to me over here,
But anyway, you're sorry.
Speaker 4 (15:41):
If you want to see what Christina looks like, or
even Senya, all right, if you want to see the
keys around missus T's neck over there from the A teen,
you probably should be watching our Instagram show. So for
all of you radio listeners, we do go live on Instagram.
You can follow Frank the bank Codo on Instagram and
we go live.
Speaker 5 (16:00):
I've usually at eleven every week, right, and that what
time we normally do.
Speaker 6 (16:04):
Well, we try to get here at eleven.
Speaker 5 (16:08):
She look at me.
Speaker 4 (16:08):
Getting called out every morning, but yes, she is right.
We try to go live at eleven sometimes a little
after today we're very early. But you have to follow
Frank the bank codo or you can follow Sennia as well.
Speaker 5 (16:19):
What's your IG?
Speaker 6 (16:20):
That's a realtor, sense a realtor?
Speaker 5 (16:23):
Kaos got it.
Speaker 4 (16:24):
Right, And that's on ig and you follow us and
then you'll be able to watch our Instagram lives and
you can see what Christina and Senia look like. I
promise they look better than me. I promise Ryan close.
But well I can agree with that first part. And
Ryan has this AI stuff. He can make himself look
better at me anytime he wants. So I have to
be very careful.
Speaker 5 (16:44):
Look pretty weird, pretty weird. You get your WiFi password.
Speaker 9 (16:49):
I've had it the whole time to get iHeart and
make sure they got their wife.
Speaker 5 (16:52):
I don't know what's doing weird?
Speaker 3 (16:54):
You know what?
Speaker 6 (16:54):
Because I look okay and it looks okay. But no,
but now you look a little fuzzy and so Bryan,
So I don't know.
Speaker 5 (17:00):
Well, that's not an animal. Let's just hope everybody looks good. Cenya.
Speaker 4 (17:06):
Last week you educated me about holdo, hold on, let
me remember assumption.
Speaker 5 (17:11):
Rate as absorption. I was close.
Speaker 4 (17:14):
It was an as something absorption rate, and I went
off talking about that to people. I did a presentation
after having with you on the radio show, and I
was talked in front of some agents and they were
very impressed. Okay, so you helped me impress somebody. And
I'm like this, this absorption rate has something to do
with where our market is going. I don't know if
we have anything on that today, but.
Speaker 6 (17:35):
Well, I mean there so we have the August numbers,
and yes, we did talked about the absorption rate, which
is just pretty much another way of saying, you know,
when we talk about the month's supply of inventory, mm hmm,
those are very you know, closely tied. It's just a
matter of how you say it. The absorption rate. You
give a percent months supply, we talk about, you know, months.
So right now in Hillsborough County we're at four point
(17:55):
one month supply, okay, to kind of be in the
middle the equilibrium that's traditionally been six okay for absorption rate.
If it's twenty percent or above that signals a seller's.
Speaker 4 (18:08):
Market, got it, and we're alwa, twenty and fifteen.
Speaker 6 (18:10):
Well, I mean it's definitely told you. I think it
was like around two hundred and fifty percent back in
our you know, pandemic market, which you know, that's why
everything there was just no inventory for people to buy,
prices went up. But even still we have not seen
these numbers get to the twenty Okay, so we're in
the twenty so like twenty a in Hillsboro, twenty five percent, Panellas,
(18:32):
twenty five percent Pasco. So they have been decreasing. But
the point is they haven't hit that twenty percent, which
you know, anything over twenty percent that signals a seller's market.
Speaker 4 (18:43):
So has it been up above that or has it
been below it? And now it's up it's been above that?
Speaker 6 (18:47):
Okay, we've been going down a bit. But the point is,
if all these buyers, you know, come into the market
and they start buying up these homes, there's really just
not enough inventory to you know, go around.
Speaker 4 (19:00):
Right right, How do you feel about that, Christina? With
the inventory in the way that.
Speaker 8 (19:03):
Works primarily my market, Tornado, So I think it's a
little bit different there. I'm seeing more inventory than I've
ever seen in my career.
Speaker 7 (19:11):
Wow, you know my search is.
Speaker 8 (19:13):
I was just talking about that with a client and
when i'd say, hey, I'm putting a listing on the market.
We're going highest and best because I know it's going
to be highest and best.
Speaker 7 (19:20):
And we're going to tell them. We'll let them know monday.
Speaker 8 (19:22):
You know.
Speaker 7 (19:22):
Now, I'm like, we got an offer, let's work this out.
Speaker 6 (19:26):
Yeah, you know, no, definitely, so inventory just from the
levels that the low low levels that they were, we've
definitely picked up. That's why we say for buyers, this
is the time you have so much to choose from.
And even though you know, we're seeing these numbers to say, hey,
it's still a seller's market, right, it's really it hasn't
been because of the buyer demand.
Speaker 9 (19:45):
Not quite.
Speaker 6 (19:46):
They're not out there right now right, they're you know,
still being a little bit skittish and no, you know,
interest rates and this and that they're waiting for them
to go even lower, which our hope is. And Ryan
was right on the last show. We held you to
it and you were right le.
Speaker 5 (20:00):
Here on the Business Happy Hour.
Speaker 4 (20:00):
When we get back, we're gonna find out what was
Ryan right about and we're going to talk about this
market with stats from Senni Aikisha and Maharan Associate. Stay tuned,
we'll be right back on the Business Happy Hour.
Speaker 1 (20:10):
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 Associates.
Speaker 2 (20:25):
Tampa's top real estate company.
Speaker 1 (20:27):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 3 (20:32):
If you're looking for local mortgage.
Speaker 1 (20:34):
Or real estate advice, the Business Happy Hour team has
been right here on news radio WFLA for over a decade.
Listen right here, or find 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 3 (20:54):
Here's Frank de Bank and Senia.
Speaker 4 (20:56):
All right, Tampa Bay, Welcome back to the Business Happy Hour.
We're having too much in the break. Don't forget if
you want to hear all of the crazy stuff we
talk about in the break and you want to see
what our beautiful guests and Senia look like. The only
way to do it is to follow us on Instagram.
That's Frank the Bank codo on Instagram or realtor ksee
n on Instagram, And of course we do put it
(21:16):
on the Facebook machine as well, and we send it
out via courier pigeons at eleven am every Tuesday, So
you're going to have to catch a bird or catch
us on Instagram one way or the other, and you
get to listen and see both. You can also chime
in on Instagram, which is nice. If you have any questions,
I'm watching it all throughout the whole show.
Speaker 5 (21:33):
You can ask away. Yeah, ask some question, Please ask
some questions.
Speaker 9 (21:36):
Love that.
Speaker 5 (21:37):
So let's go back to stats. Senia. You started kind
of going into some numbers.
Speaker 4 (21:40):
I want to love you and Christina kind of banter
on these stats a little bit, and then Ryan and
I these lowly mortgage guys, we'll just chime in behind
the scenes, and then we're going to find out more
about Christina and Ryan.
Speaker 6 (21:50):
Okay, sounds good, and I love it that Christina is
from Hernando. So actually like the market that it pulls
for us, I have a breakdown of Hillsborough Panella's, Pasco nice,
but for our metro it actually does include Hernando. I
don't know if it's like all of it or just
like what's the part of Stellar.
Speaker 8 (22:06):
Yeah, the majority is Stellar. I mean we do have
a local board. It's starting to have not as many
listings on there as and a lot of the bigger
agents have both like we had both yep.
Speaker 4 (22:20):
Yep, and well, actually I didn't realize you were Hernando.
So I agree that works out really well because we
normally talk about the Tri County area, so we can
get a little inside. So you take it away, give
us some more what you have and then we'll banter
on that.
Speaker 6 (22:31):
Well, I don't have a pulldown of just Hernando, so
this is the one where it mixes up the whole
four so closed sales in August, we're you know, still
down a bit by six point eight percent, okay, So
that just signals you know, our activity or you know
we're still and it's year over year numbers, So this
is comparing it to August of last year. The media
(22:52):
and sale price came in at four hundred thousand, the
average sale price five hundred and eighteen thousand, forty three
days median time on market, and the month supply is
a four point three hmm.
Speaker 5 (23:06):
Now, how do you how do you think? How does
that stack?
Speaker 3 (23:08):
Now?
Speaker 5 (23:08):
That does that include Hernando?
Speaker 6 (23:09):
Or this includes Hernando? So this pretty much averages out. Yeah,
the three that I have the full breakdown of plus Hernando.
Speaker 4 (23:15):
So Christina, what you see specifically in Hernando? Would you
agree with the you know, things dropping a.
Speaker 7 (23:21):
Little or you're saying your hands are dropping?
Speaker 5 (23:22):
They are as far as.
Speaker 8 (23:24):
I mean, I everybody says, I feel like it's a
buyer's market, right, like buyers are waiting for interest rates
to drop, but not understanding that you have the advantage now,
especially me working heavy on the listing side.
Speaker 7 (23:38):
Yes, there's no.
Speaker 8 (23:39):
Way that you would even come to me asking for
a penny. I don't care if you went over the
price point because we're going to have so many corporate buyers,
so many, you know, just so much to offer a
seller that those offers were just I used to have
an Excel spreadsheet and I would just separate them. This
is this, this is that these are the best ones. Wow,
Like now you want to low interest rate, your seller
is gonna get you that money to buy your interest
(24:02):
rate down?
Speaker 7 (24:02):
What are you waiting for?
Speaker 5 (24:04):
Right?
Speaker 4 (24:04):
What are you waiting for? And we didn't, by the way,
we did not tell her what to say, all right,
she came her own brain and her own info. What
what else are you seeing in anything like?
Speaker 8 (24:15):
Well?
Speaker 3 (24:15):
Yeah, no.
Speaker 6 (24:15):
My whole point was that even with the absorption rate,
is that because the buyers are in such a good
you know place right now to be able to negotiate
the deals. Uh, they need to do it now because
if you actually look at the real metrics, that signal
you know, buyer's market doesn't really signal that only because
not as many buyers are in the market once they
do come in. I do think that it's just going
(24:38):
to create, you know, that that competition. Again, sellers are
not going to be that motivated to give you concessions
and you know, buy down your rate even price negotiating
if they've got multiple offers to choose from.
Speaker 7 (24:51):
Right, You're not even you get that. So you get
that topy email.
Speaker 4 (24:55):
For you know all that, Chris Christina, do you hear
she just had a copy and past email because you
haven't prepared and changes. So it's just funny how she
mimics exactly what Senny and I keep telling everybody. It's like, guys,
this is your time. Matter of fact, speaking of rates, uh,
the Fed chair Jerome dummy Powell is going to be
speaking today at twelve twenty. I had a client yesterday say,
(25:18):
should we hold on locking the rates because the Powell's
gonna speak. I'm like, dude, no, you lock your freaking
rate because everything's baked in already, right, it doesn't matter
if we are expecting them to drop the rates. And
when there's an expectation, that means it's already in the market.
So just get under contract. For what Christina and Senia
are saying, this is the time that you can negotiate, Okay,
(25:40):
as soon as or.
Speaker 8 (25:41):
We got to teach you something that you don't know.
Today's buyer doesn't understand appraisal gap contingency.
Speaker 5 (25:48):
Wow.
Speaker 7 (25:49):
Wow, what is ever hurt that?
Speaker 8 (25:51):
That's when you're paying more than the house is a
praise for and you're coming in with the difference if
you really want this house.
Speaker 4 (25:56):
So wait, you're basically telling the seller, Hey, listen, I'm
just gonna pay whatever you want. Because I don't have
another house to choose from.
Speaker 7 (26:03):
Yeah, basically pretty much.
Speaker 4 (26:05):
And that goes along with the word inventory that you
and I talk about.
Speaker 5 (26:08):
And that's that whole assumption rate that you.
Speaker 4 (26:10):
Educated me on as absorbent. I'm going to keep saying,
assuming the assumption rates have the assumption rate, Ryan, what's
an assumption rate?
Speaker 9 (26:20):
I don't like assumptions because I don't get to do
those deals.
Speaker 5 (26:24):
Yes, so I don't.
Speaker 9 (26:25):
I don't want to talk about assumable or assumptions of
any kind.
Speaker 3 (26:28):
No.
Speaker 5 (26:28):
But but the Treasury yield did dip today as.
Speaker 9 (26:30):
People are investors are a waiting Pal's information today, So
the tenure did fall to four percent, indicating slightly lower
interest rates are on their way. But if you're working
with a wholesale brooker, you really don't have to worry
about that too much.
Speaker 4 (26:41):
Intent Ryan, just a curious I know you can't quote
an exact rate without an APR, But what what would
you say you could lock underneath right now?
Speaker 5 (26:49):
Oh?
Speaker 9 (26:49):
I mean I can tell you right now, I'm locking
buyers in below six percent all day long and twice
on Sunday.
Speaker 5 (26:55):
Oh uh.
Speaker 9 (26:56):
And most people still think that the old news was
that most mortgages were below four percent. That's not the
case anymore. It's completely flip flopped. The majority of rates
are going above and beyond six percent. And I'm locking
buyers in below six percent all the time.
Speaker 4 (27:10):
All day long, mass out of by down without a buydown,
out a bid down.
Speaker 8 (27:14):
If I bring you some buydown money, that means they're
even getting a better rate.
Speaker 5 (27:17):
You got it.
Speaker 4 (27:18):
Yeah, So yesterday we gave in an estimate to somebody.
We showed him, uh five eight seven five without a
buy down, just a nominal fee.
Speaker 5 (27:27):
Okay.
Speaker 4 (27:27):
Then we also showed him six and and eighth with
zero lending fees, like nothing, just third party closing cost.
And the guy was very savvy and he realizes, like
most people, you're going to refinance probably in the next
year after the you know, powells out and all that
stuff changes. And he goes, well, Frank, if you can
go zero at six and an eighth, what if we
(27:48):
go to six and a half, because it's only one
hundred dollars difference in my payment. So we ran it
and we got him four thousand dollars. So even if
the seller isn't giving any credits, which they are right now,
we got him four thousand off his other closing cost
because he knows it only cost him one hundred dollars
more a month. So if he refinances in twelve months,
do the math four thousand minus twelve hundred, he wins
(28:09):
by twenty eight hundred dollars, which means he carries that
into his refi Christina, which only means he can use
that to buy down when they drop into the low fives,
into the low fours.
Speaker 5 (28:21):
That's good, right, So it's all about math. It's all
about it.
Speaker 6 (28:24):
I like that you guys do the math like you
did it, you know with a good friend of mine.
It's like, all right, here's this rate, you know, but
you're bringing this to the table, and then here's this rate.
You're bringing this difference you know in the monthly payment,
which was pretty minimal. But the amount extra she would
have to bring for the buy down just doesn't make sense,
especially if potentially she's going to be refining.
Speaker 5 (28:43):
Yep.
Speaker 4 (28:43):
So, Christina, when you negotiate those thank you, sen When
you get negotiate those deals with the sellers, get the
closing costs for the people, but buyers don't buy down
your rate apply that to cover all of your other
closing costs and maybe even get a lender credit to
cover every Imagine if you go in and buy a
house and you literally pay zero for closing costs, just
(29:06):
your down payment and your normal closing costs. Let's just
say are eight grand, right, That means you have eight
thousand dollars to apply to a buy down when the
rates drop, and if these rates drop into the fours,
which could happen, you could buy down to the threes.
That means you're like going back in the future, like
Michael J. Fox Baby, back to COVID rates.
Speaker 5 (29:26):
That's what you're doing those right. That was a good analogy.
Speaker 4 (29:29):
So Christina, tell us you are the partner owner of
Florida's A Team, one of my favorite shows ever. Tell
us a little bit about you. How'd you get into
real estate? Where'd you come from? I know you focus
on Hernando, which is this is the first agent we've
had to focus it on Hernando.
Speaker 7 (29:43):
Oh, thank you, thank you.
Speaker 5 (29:44):
So tell us about you.
Speaker 7 (29:46):
Well, I come from an education background.
Speaker 8 (29:49):
I was a guidance counselor, then a dean of a
local allied health school.
Speaker 7 (29:52):
Oh my mom was.
Speaker 8 (29:54):
An investor and she's like, get your real estate license,
And to be honest, I was like, I went to oh.
Speaker 7 (30:00):
For blah blah blah for fun, I would be a
real tour.
Speaker 8 (30:03):
You know, And but I I went, I took the
course at We had this thought that if you were
a real estate agent, that you were going to find
all of the listings and she wasn't going to have
to compete with anybody. Like that was just the thought,
like that's how this worked.
Speaker 7 (30:18):
Apparently it doesn't.
Speaker 8 (30:20):
But I got my real estate license and the very
next day we had a tragedy happen. My husband and
I went out to celebrate and he saw a lady
that looked like she was being kidnapped and he stepped
in to try to help her, and he was shot
and my.
Speaker 6 (30:37):
Son was shot.
Speaker 8 (30:39):
So that's how I say, we kind of blasted into
real estate. So it spent like the first year he
was innovated in the hospital and my son was was well.
He got shot that you know, he was out like
in a few days, went through his foot. But my
husband was shot in the stomach and he you know,
they said he wasn't gonna make it, but God had
another plan. So my husband, he comes from a background
(31:01):
of boxing, and.
Speaker 7 (31:02):
I'll give you the quick synopsis. So when he.
Speaker 8 (31:06):
Was able to recover, took like about six months. He
had to put a coloss me bag and he got
really depressed. And as you know, with the counseling background,
I'm like, man, how do I like? I let him
mope for a little bit, and then I just got
tired of it and I was like, look, God saved you.
You know there's another purpose for you. Why don't you
get your real estate license and join me? Because he
(31:27):
is very known in our area. He's been there since
he's young. He's you know, two time title winner. Now
he's a four time Hall of Famer. But so I
was like, with your sphere of influence in my brain,
will take over. So that kind of went into his
head like that whole takeover thing, you know, not that
we're taking over, but you know I knew that I
had to do a play on psychology with words with him.
Speaker 5 (31:49):
So he did.
Speaker 7 (31:49):
He got his real estate license. We build a team.
Speaker 8 (31:51):
We did really well as a team, and you know,
I come from a business kind of background with my family,
and it was just the next stage to open up
a brokerage and there we are. We got like forty
one agents and loving what we're doing, growing and learning
every single day.
Speaker 5 (32:05):
You are amazing. You're still amazing.
Speaker 4 (32:07):
It's almost like you do a radio show because you
brought that all the way to the end of the segment.
We're going to take a break with that amazing story
from Christina Alonso that I've never heard. We'll be back
in the Business Happy Are for our last segment in
just a minute.
Speaker 1 (32:18):
Let's get back to the Business Happy Hour radio show
with your host Frank the bank Koto, owner of Lincoln
Lending Group, and his co host Senia Akishna.
Speaker 2 (32:26):
Realtor with Mahara and associates.
Speaker 4 (32:29):
All right, guys, we're on our last segment here, welcome
back to the Business Happy Our Christina Alonso, our superstar
guest from Florida's A Team, the partner owner.
Speaker 5 (32:38):
Of the company we just learned.
Speaker 4 (32:40):
We just learned a really interesting story about how she,
you know, really took off in real estate and got
her husband nurse back to health, which, like Ryan said
in the break, if he did not have you, he
may not be here today. But I truly believe everything
happens for a reason, and clearly you you turned the
page on that tragedy, and I was not expecting that story.
But you know, I want to learn a little bit
(33:02):
more about who your client is. We know, Hernando, that's
your home base, which is awesome because Senna and I
don't do a lot of business up there, so we
can definitely work with you on that. And then Ryan
is your partner and mortgages over here, Rhino Mortgages. He's
got the backing of Lincoln Lending Group, so he's got
to get anything done. But tell us about these short sales, right, Senate.
(33:22):
We haven't heard the word short sale in a long time.
Speaker 6 (33:24):
You know what, we really don't talk short sales, but
I mean we've been hearing it come up. So I'm
excited that. Yeah, you said you have a seminar coming
up for short Well.
Speaker 7 (33:32):
We just on the drive here had the idea.
Speaker 8 (33:34):
Have a very good friend, attorney Joryce Rodriguez from Ocean
Sands Title, and she's been helping me with some clients
who just for whatever reason, we're not able to make
their mortgage payment. Some of them had some tragedies happen,
illnesses in the family, something happens, and it can change,
you know, the whole family. System finances, so houses were
(33:55):
they weren't making their mortgage payment, facing foreclosure.
Speaker 7 (33:58):
And Doris is like, why don't you try to get
them to, you know, to short sale.
Speaker 8 (34:01):
And I'm like, well, explain that to me because I've
never done a short sale before. So short sale is
a great way for the seller not to go into foreclosure. Uh,
they if you know, there's different guidelines as if family,
if it's a if it's an FAH loan, or it's
a VA loan, but specifically it avoids them going into foreclosure.
Speaker 7 (34:17):
They're able to buy again in three years.
Speaker 8 (34:20):
They can partner up with you know, with Ryan Ryan
and Lincoln Lending, and and they don't have to use
that lender has nothing to do with that. And and
the great incentive is this is for a patient buyer.
So if your buyer's leases up and they need to
move in a month, not the situation from them, but
if you have someone that's patient, they can pick up.
So the house has to be appraised at what the
(34:42):
value is now, and then it starts at a certain percentage,
like eighty six percent, eighty four percent, eighty percent. So
I'd had a house that a client still had like
a four hundred and twenty thousand for you know number statistics,
four hundred and twenty thousand dollars.
Speaker 7 (34:54):
Property up in Ruskin appraised at three sixty two.
Speaker 8 (34:58):
My buyer, because I got the bu is purchasing this
house at three twenty five with all of her closing included.
Speaker 4 (35:05):
What that's like three hundred yeah, yeah, yeah, that's insane.
Speaker 8 (35:09):
It's a five bedroom like a mile away from the
beach and Ruskin.
Speaker 4 (35:12):
It's so twenty percent off. Guys are eighteen percent something
like that. It's a lot.
Speaker 8 (35:17):
Yeah, it's it's a an amazing opportunity for a patient
buyer and for a seller not to go in foreclosure,
because who wants a foreclosure on their record?
Speaker 6 (35:24):
You've seen like a decent uptick though.
Speaker 8 (35:26):
Oh yes I have, okay, Or you know, when you
start seeing as realtors, if you have if filtures are listening,
and you even go on Zilo and you see like
this could potentially be a foreclosure, that's a niche for
you to let them know that you can help them.
And you have buyers that are like, man, I'd really
love to get a house like this, but I can't
afford that. Maybe in the future It'll be like, well,
you know what, how patient are you a couple months?
(35:48):
You know, ride with me for ninety days, and you're
going to get that four hundred thousand dollars house for
basically three hundred.
Speaker 5 (35:53):
I love this, so I haven't I have a question
about it.
Speaker 7 (35:56):
Say that positive equity.
Speaker 4 (35:57):
It's positive echity, yes, right, And that's great because guess
what Ryan can do for you when you go to
refinance next year if you have that equity. The equity
doesn't necessarily help you on the purchase because you still
have to put a down payment down based on the
purchase price. But where it will really help you is
when you go to refinance. Let's just picture that deal
you just sold that person. Let's say that that had
(36:18):
easymouth eighteen percent equity, right, and they bought it. Now
they go to refinance next year, if they pick up
even two percent in value, which they will, I'll guarantee it,
especially when the buyers come back in the market. Now
they can refinance and get no PMI think about that,
because you'll have twenty percent equity. What if your PMI
is three hundred dollars a month on that acquisition. Let's
(36:40):
say you're in an FHA loan, you go to refinance
next year your seven three hundred dollars a month without
even dropping your rate. We're talking you're probably gonna say
five hundred.
Speaker 5 (36:49):
You can buy a new.
Speaker 8 (36:50):
Car, and your taxis are going to be lower, yes,
because you're not purchasing it at a high price point
all so your assessments are lower, the savings all around.
Speaker 5 (36:58):
I love it.
Speaker 4 (36:58):
So let me ask you this stat You may I
put you on the spot on it. But do you
are these people who are short selling did they buy
during COVID?
Speaker 5 (37:06):
Yes, ah, somebody else? Have you heard that twocent?
Speaker 9 (37:10):
Well yes, yes, oh you know because that got brought
up because the reason that most homes are in nowhere
near danger of short sales because of the twenty one
trillion dollars worth of equity and homes. So when you
bought a home hype over equity like many did during
the pandemic, yeah, you find yourself not being able to
have that safeguard of equity has a safety blanket for
(37:31):
your life.
Speaker 5 (37:32):
That equity there it is.
Speaker 4 (37:33):
So there was a couple of years we'll call it
COVID right where people did overpay for the homes right,
and if they can survive I think to the end
of next year, then the values I believe are going
to come back up because of sweet Let me jump in.
Speaker 6 (37:46):
A little bit because I also think that it's not
just that because after COVID when rates went up, huh.
I do feel that maybe those people are in a
little bit more trouble because maybe they didn't think, hey,
the home is going to get reassessed. Oh so I
think it's the people that can't make the payments.
Speaker 5 (38:04):
Yeah, because maybe they have an eight percent and yes,
if they have you.
Speaker 6 (38:07):
Know that to three percent from before. Great Now, I
do have a lot of equity now, but prices really
haven't gone way down. But if they're you know.
Speaker 4 (38:15):
I mean see this is this is why two estate
agents and two mortgage guys on a show can figure.
Speaker 5 (38:20):
Out the world. Yeah, so that makes a lot of sense.
Speaker 4 (38:23):
And so guys, by the way, if you if you're
one of those people that Senny is talking about, and
you have a rate in the high sevens or rates
you can refinance right now where we're telling a lot
of claes.
Speaker 9 (38:33):
Call us if you're seven or eight immediately.
Speaker 5 (38:35):
How do they get in touch with you?
Speaker 9 (38:37):
They get a touch with me very easily. Call Rhino
Mortgage at eight one three, seven two seven. I got
both area codes for you, make it easier for you
to remember. For zero two to one those last four digits,
call me and we'll discuss a financial strategy that will
best fit your needs.
Speaker 5 (38:51):
One more time, Ryan, what's the one, three.
Speaker 9 (38:53):
Seven, two seven for zero two one?
Speaker 4 (38:56):
And before we forget, Christina, how do they get in
touch with you if they want to talk about some
real estate up there in Hernando?
Speaker 8 (39:01):
Three five two five one five seven two nine nine
again three five two, five one five seven two nine nine.
Speaker 5 (39:08):
I can't believe this.
Speaker 4 (39:09):
Girl has never done radio or freaking who is this election?
Speaker 5 (39:13):
Boys?
Speaker 4 (39:14):
And of course, Cindya, you always bring the stats. How
do they reach you?
Speaker 6 (39:17):
I was gonna say lots of numbers going around, but
eight one three, seven five five reel.
Speaker 5 (39:21):
It's seven five five real.
Speaker 4 (39:23):
And you know what, I'm not given mine now because
you guys can just find me on ig or whatever.
And if you want to talk to Christina sin or
Ryan and you forget, just go to contact frankdbank dot com.
Say you want to speak to one of these lovely
ladies or this beautiful gentleman over here and we'll get
you in touch with them.
Speaker 5 (39:37):
Christina, this has been an amazing show. Uh, the education
on short sales.
Speaker 4 (39:42):
You got to give her a call because now she
knows how to negotiate the short sale.
Speaker 5 (39:46):
I am sure very much.
Speaker 8 (39:47):
I'm learning every single day. But with Doris by my side,
she just makes me better.
Speaker 2 (39:51):
I love.
Speaker 9 (39:51):
That's the key.
Speaker 6 (39:52):
It's the habit Adora.
Speaker 9 (39:53):
It's you.
Speaker 7 (39:54):
It's your team. It's your team.
Speaker 5 (39:55):
It is always team.
Speaker 4 (39:56):
And speaking of teams, Ryan, you and Christina make a
great team. I know you're willing to go up to
Hernando because you live halfway there.
Speaker 9 (40:02):
I want to spend a lot of time in Hernando.
Speaker 4 (40:04):
Actually yeah, and Cenia you we're going to handle Hillsboro
and Panelas over here.
Speaker 5 (40:08):
Just me and you, we're going to knock it out.
Anything sare pasco, we'll share. That's it, guys, Christina, thank
you for coming on the show. Good luck with everything.
Speaker 4 (40:16):
Christina Alando Alonso the partner with Florida's A Team and
Rhino Mortgage.
Speaker 5 (40:21):
Ryan Owens with Lincoln Lending Group.
Speaker 7 (40:23):
Thanks you guys, See you guys,
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