How To Successfully Navigate the Current Real Estate Market

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Things you could be doing right now to optimize your

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scores. Right. So that next year, when it comes time to buy,

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you're gonna save thousands upon thousands. I mean, even if you get your

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score up from let's say someone has a a seven nineteen. If you

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just get to seven twenty, you save money. And here's the baffling

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one. Not only do you save money, we all know that you save money on

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interest rate. Right? That's simple. But most people don't realize that you also

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save money on your mortgage insurance factor.

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Howdy, friends, and welcome to the Allen Fairview Insider, the podcast where we

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dive deep into the heart of our community. I'm your host, Super Dave Quinn,

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with Day One Experts, and I'm here to help bring you the latest and greatest

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from Allen and Fairview. From insightful interviews with our local leaders

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to exclusive updates on community events and developments, the Allen

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Fairview insider is your go to source for staying connected and informed.

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So whether you're at home or at work or on the move, let's get started

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and make the most of our time together.

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Hi there. My name is Joe Boggs, and I'm with Highlands Residential Mortgage. Today, I

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have with me Tanya Walker with the Walker Group Real Estate. So how are you

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doing today, Tanya? I'm great. Thank you, Joe. How are you? Thanks for having me.

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Good. I am very blessed that I get to talk to Tanya on a regular

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basis because we have a ton of mutual clients. And so not only

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are we good friends, it's nice to be able to work with your friend on

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a day in, day out basis. And so I couldn't tell you how many

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transactions that together we have, solved issues for these folks

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and put them into a house, but I can say, and I'm sure you can

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relate that it's, it never gets old. Does it? No. No. It's good

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to to be able to be friends and to trust so

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that I can call you whatever hour it is. You bet.

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You bet. It takes a team, doesn't it? It does. And so we're we're also

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very blessed with, the expansion of our team. You know? It's not just

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her and I. It's also we've got insurance folks that get involved, and that's been

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really, really important as of the last year when insurance are going crazy. Right?

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I mean, everything from having to reel in maybe a credit consultant. You know? If

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someone give us enough time, we can go ahead and get them with that, get

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them working on it so that when they're ready, six months, eight months down the

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road, they're in in better shape. Our escrow people, I mean, we

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we count on them. And then, of course, our own team that helps us with

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the day to day work, they really do the heavy list lifting and make us

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look good. So But we we need that. Yep.

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Yep. But it does take a team, and most people don't don't know that. And,

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you know, through the years, I can tell you my operations manager has been with

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me for twenty three years. I wouldn't wanna do this without her. And and so

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it's, those folks that do the heavy lifting don't get all the rewards. You and

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I get to show up to closing and go, oh, look what y'all did. But

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there's a lot of work that goes on in between. And I think that's that's

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sometimes, you know, a lot of people I know for myself Mhmm. Before I got

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into the industry, I didn't I didn't know what took place and what

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all the procedures that have that everybody does have. Yeah.

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If the impact on so I think it's important to also

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relay that it it isn't just open up a door, give

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you a file, run the credit, and then it's done. It's not.

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There's a lot that happens within those

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typically on a on a typical closing

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thirty day. There's a lot that takes place, for each

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individual file, and loan.

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Yep. With time comes wisdom, doesn't it? Mhmm. It takes it takes

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some failures. Thank goodness most of those should be behind us now.

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With kinda like a wedding, you know, you look at the guests, don't see all

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the the craziness that's going on behind. Yep. And and then and

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everything is good for for the the bride and groom. That's kinda how it is

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for our clients. We want it to always be good for them that they don't

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see all the chaotic stuff that goes on in the back end, but we're running

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around like little chickens for our, heads.

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We've just learned to disguise a little bit better. And, you know, it's funny. It

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never gets old seeing, you know, maybe folks that don't have that

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much experience. They've only been doing this for four or five years or whatever. It's

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so funny to see them because we well, we have really good competitor friends as

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well. You know? It's a it's a it's a kind of a smaller area that

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we operate in even though there's a lot of us. There's enough business for everybody,

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so we have a lot of competitor friends. Mhmm. But it's still I still so

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enjoy it with these folks that don't have a hundred transactions or whatever under their

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belt to watch them kind of flail. It I just smile. Before I help

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them out, I just smile first, pet them. Well, a lot of times

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people go to other people that that don't have it together

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where I've been very fortunate to know you for quite a number of years, and

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it and it was the same thing until we got together. Mhmm. You know, you

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don't you don't other teams are not Yeah. As

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strong. Well ordered. Right. And with yours, it's so it is.

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It makes a big difference to have the longevity, with with your

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teammates. We dance together pretty well, don't we? Mhmm. We do. You know? And it's

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funny because we also really in a lot of of different

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teammates in this. So, generally, when I'm doing the financing side of

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things, I like to ask someone. People call and, you know, some people wanna put

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down no money. Some people wanna put down, hundreds of thousands of dollars.

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And I always love to to ask them, hey. Have you talked to your financial

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planner about this? Mhmm. Number one, if they don't know me very well,

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it takes it away from, you know, just my opinion. I want

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to bring in someone who you already have a relationship with that you know and

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trust, and let's get their opinion. They can double check my work. It

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seems to take some of the, anxiety out of it. Mhmm.

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But, you know, people call quite a bit that say, hey. I wanna put $300,000

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down. I get their financial planner involved, and they're like, no. We don't we don't

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wanna do that right now. You're you're at this tax bracket,

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and we need to show that you're you you gotta have some expenses.

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Mhmm. You know? And then we'll bring in a CPA from a tax side,

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a financial planner from their investment side, and then you've got an entire team

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working for every individual customer. And this isn't just for our folks that

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are buying million dollar houses. The in fact, the most common answer I get when

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I ask if your financial, planner or CPA has been involved, They say, I

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don't have one. Mhmm. That's that's great, but let's get to one.

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Time. Yeah. Let's you know? So you you and I give our

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resources out freely to people. Here's who I've been using for ten years.

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Mhmm. And, yes, you may not make a gob of money right now. But

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I can tell you, like, the ones that we work with, their minimum investment is,

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like, $500. Mhmm. Gotta get started somehow, whether it's just starting straight out of

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college some of them. Right. And and it's so beneficial for them to

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to set that platform. Yep. But, yeah, I think it's very important for

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them and and for us to be a a good resource and have You bet.

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The quality people that we have to to provide to them. Yeah. And we're so

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entrenched in the community that we are held accountable by our actions. And

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so we vetted the people we surround ourselves with the team. So

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it's great that people can call you or I, and we get calls for, hey.

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Do you know a good painter? Oh, oh. You know? I mean and not only

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have you been in the real estate business for a long time, but you're the

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chair of the Allen Fairview Chamber. Mhmm. And so the

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the strength there comes that a painter cannot run

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the risk to treat one of our clients

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poorly Mhmm. Because not only will they lose the client's business, but now they're

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gonna lose your business and make a bad name for themselves

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in the chamber. You can't do that and survive. And I've been very

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fortunate. I I can say I have not had a bad experience,

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with our folks, that we've referred out. Mhmm.

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And many that are on on, on my team that I have

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been with for anywhere between six to thirteen years. Yeah.

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So Yep. I mean, it's consistent. You're making good

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decisions and surrounding yourself with good people. Yeah. And that's that's all that really matters

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in the end, and that's how you build a good team. And so one of

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the things we cover with the financial planner, and this one was kinda interesting recently,

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was I was talking to a client, and I said, hey. You know, no one

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can tell you exactly what the appreciation on a home is, but we can probably

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all say in the last ten, fifteen, twenty, thirty years. I mean, I remember in

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02/2021, it was 21% in Collin County. Now that's an

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anomaly. That I was gonna say that's not Yeah. Typical. That may

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not ever happen again. That was a onetime deal just like when rates were you

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know, had a two in front of them or a three in front of them,

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that will likely never happen again. But, you know, if you look at

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rates over an average over the most recent forty years, six to 7%

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is that's normal, and that's where we are now. And I think people are getting

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comfortable with that. But when I was talking with them, their I had their

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financial planner on the phone, and I he was saying, well, okay.

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Well, if you if I buy a $500,000 house

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and it goes up 5%, that's

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$25,000. So what percent of

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return is that compared to my financial planner? I go, wait. Wait. Wait. Wait. Wait.

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I I said, you're using the wrong math. Did, an investment

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is defined as taking some sum of

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financial investment in anticipation of a return. Did you put

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$500,000 into that investment? And he said, no. I said, you

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put you brought to closing $25,000. You put 5% down.

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So you need to do the math based off of you put down

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$25,000, and twelve months later, your

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house was worth $25,000 more than you paid

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for it. That is a 100% rate of return. Mhmm. And

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so I asked the financial planner. I said, do you disagree that buying

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a home should be your number one investment? He's like, I don't disagree at all,

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Joe. He said, in fact, you already have to have a place to live. And

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if you look at what your mortgage payment's gonna be compared to what rent would

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be, that's a wash. So if you just took 25,000, put it

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into the market, and now you've got something that's worth $25,000 more,

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$25,000 more. Yes. You just made a 100% rate of return, and there's nothing I

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have that I can match that with. Mhmm. And so that was a a light

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bulb that went off for the client. They were like, wow. I go, yeah. Good

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luck good luck finding that even though I'm sure your financial planner is awesome. Mhmm.

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They're not gonna find a 100% rate of return. And then that return just keeps

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going because you're not putting every 25,000 into it. Next year. Yeah. You

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just keep it keeps growing. So, yeah, it it I don't think anybody

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can disagree, especially in Collin County, that real estate is the number

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one investment there is. Yeah. You know? So I mean, we've seen

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we've seen such a great turnover with with

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respect with what people purchase the homes at Mhmm. Even within

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one year. Yeah. I've I've clients that that I work a lot

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with with, corporate relocations. Mhmm. And so they they're

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in for one to two years on many bases. And

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then we turned around and sold them, and and they've come out very well.

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You bet. I I love, like, when we do move up buyers. So when people

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are buying their first house, they're looking at, you know, a house that's really kinda

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tough for them to qualify for. And then we have those conversations like, hey. Yeah.

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You may qualify for $6,000 a month, but do you want that payment? Mhmm.

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And then they end up you know, when we're talking with them, they'll end up

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saying, you know what? Maybe I should buy a $400,000 house

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now. Then three or four years from now, I can either sell it, have the

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equity put down, and buy a bigger house, or even better, convert

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it to an investment property. Now I've got that income and someone else

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paying it and become a landlord. And, you know, having one property like that

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is really simple. Now you start multiplying. I'm sure that you would wanna get, like,

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a property manager involved to Right. To help them. But one is not bad at

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all. Yeah. And it's not for everyone, but the key piece that you're

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saying right there is that you took the time to talk to them about, do

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you wanna go deep, you know, spending it all on one

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home maxing out Yeah. Or do we go smart and

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safe? And I think that's a a one of the big key pieces that I

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enjoy working with you is that neither one of us wanna

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put a client into a situation that is, makes it a

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hardship for them. Mhmm. But also to help them to think outside of

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the box of maybe what they're not thinking Mhmm.

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Futuristically wise. But it's also it's always

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about making sure the client has the best Yeah.

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Have the best interest of the client. I had this exact same conversation with my

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son last night. He and his wife, so they're 24. They got married in

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November. And, they came over, and they wanna have a talk with me, and

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it's now they're ready for the next step. Right? And so they're I think the

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least they set up in June. I actually encourage them to wait until December

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just because they just moved back here from Lubbock and and wanna make sure they

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pick the right neighborhood. But we had this conversation, and he had his eyes

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on a $500,000 house. Mhmm. And I said, son, really?

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I mean, I'm not sure that you wanna do that in the same thing. Mhmm.

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You know, maybe this is a a stepping stone house. Maybe you go up further

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north where you can find a $3.50, and maybe three

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to five years from now, that becomes an investment property. Mhmm. And he says,

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is that how you got started? I said, that's exactly how it got started. And

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so it's we don't just have these conversations with our clients. We have them with

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our family too. Right. So yeah. And then I always get asked, you

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know, hit his was it was funny. He was showing me houses. Here's the house

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we already looked at. And I said, son, if I taught you nothing,

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always get with your lender in advance. Right? Exactly. I

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mean, the favorite thing that I ever get is when someone says, hey. We wanna

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buy a house next year. I love that. Yeah. Because

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now what we do is we pull a soft pull credit report, doesn't cost you

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anything, doesn't hurt you in any way, shape, or form, and then I connect it

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to those cool tools that will analyze and show you

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things you could be doing right now to optimize your

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scores. Right. So that next year, when it comes time to buy,

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you're gonna save thousands upon thousands. I mean, even if you get your

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score up from let's say someone has a a seven nineteen. If you

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just get to seven twenty, you save money. And here's the baffling

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one. Not only do you save money, we all know that you save money on

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interest rate. Right? That's simple. But most people don't realize that you also

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save money on your mortgage insurance factor. And so

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you couple those things together and

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then add insurance discounts for that for having higher scores.

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And it is a massive amount of money. In fact, I wish I could show

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this, but I have a, class that I teach. And here's the

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comparison. I'll pull this chart up so I can read directly from it. So

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here's a comparison where we compared someone with a six twenty score

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to the seven forty. Seven 60 is as good as it gets. You're just kinda

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bragging after that. So you get discounts all the way up to a seven sixty.

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But in this scenario, a 5% down payment buying a

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$500,000 house, the rate, of course,

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is higher for a six twenty. The mortgage insurance rate is

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significantly higher. It's the biggest difference. And then homeowners

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insurance, I had one of our homeowners providers give me

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ballparks on this. Mhmm. The amazing thing is that with a

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same sales price, $500,000 putting 5% down,

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Look at the payment difference between someone with a 620740. It's

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$1,244 a month just because their

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score was 740 compared to 620. Howdy,

247
00:14:43,610 --> 00:14:47,310
friends. Super Dave Quinn here. Thinking about expanding or relocating

248
00:14:47,370 --> 00:14:51,185
your business in Collin County? Come discover Fairview, Texas, a

249
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250
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quality of life. But don't just take my word for it. Tune in to the

251
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253
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00:15:12,380 --> 00:15:15,255
Thanks. Make it a great day. And I said, okay. Let's look at it a

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different way. Mhmm. Let's take another 5% buyer, and they

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tell me, hey. I've got 5% to put down, and I want a payment no

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more than $4,500 a month. Same thing. For a

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six twenty score borrower, that turns out to be a

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sales price of, where is this at? Taxes

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insurance. So they would have the same monthly

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payment, someone with a six twenty score, on a

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$400,000 house, then someone with a seven forty score would have on

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a $526,000 house. That's a hundred and

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$26,000 higher sales price,

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same down payment, same monthly payment. I mean, that's

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that's crazy, isn't it? So love when people get with us early

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and then We do that a lot. Yes. We do that a lot with

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with, lot of new home buyers or teachers.

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I think that's some of the best ways that we can help them Of course.

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To get into the platform that they wanna be in or just to be comfortable.

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Yeah. And to save them a ton of money. I mean, we tell people all

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the time, hey. This is likely your biggest investment that you'll make in your lifetime,

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you know, other than the next bigger house that you're gonna buy. And

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so instead of just calling on a Friday night and saying, hey. We found a

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house. We love it. Can we get it? If we do a little bit of

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investment in advance, it doesn't cost you anything. You have us to

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your resource. And if they will do it in advance, I mean, look at the

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difference in payment. $1,244 a month lower

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payment because we got someone's score from a 620 to a 74. Right. I can't

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do that on a Friday night. Right. Well, we can't do anything about the rates.

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Mhmm. Rates are what they are. Yeah. We we just have to pivot and and

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work with that. We we do have a little more control over over

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that that score. Yeah. And so we can kinda help offset

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or the individual can help help offset Mhmm. That that

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difference in expense. And this would be the same difference no matter what the rates

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were. I just used a rate from 6.5 to eight or whatever. But

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still, even if it's nine to five or whatever the number is, it's

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$1,244 a month lower. Yeah. So and I mean

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huge amount. And even if you start looking at people who have, like, a 700,

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and then if we could just get them up to $7.20 before it's time,

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it will save them thousands upon thousands of dollars. And

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so love it when they get with us early. But we also work with

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those that are needing the loan. Should've done Friday night.

295
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Yeah. So but it, you know More often than not. Right.

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And I kinda chuckle about that because that happens a lot. Yes. And

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but the the longer amount of time, three months, six

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months, year, whatever it is, it it does help,

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the individual with that payment if we can help them out. You bet. And and,

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like, the prethought is this, especially when I have a lot of time to talk

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to someone. Like, I'll use me as an example. Our last home that

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we bought, in advance, we weren't even looking for a home.

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I went out and got a home equity line of credit because I had quite

304
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a bit of equity set in my house. It didn't cost me anything.

305
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And I sit there. I have this sitting there, and it's costing me nothing to

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get. Well, I wasn't house shopping, but, evidently, Patsy was.

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And she found the one, and thank god she did because, you know, I I

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I love where we are. But Patsy listened to

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me all these years was she said, well, would you qualify for the

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new house without selling the existing one? And I'm, yeah. Well, what about you've got

311
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that money in the HELOC. I'm like, uh-oh. And so but thank goodness that she

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paid attention, and we did that because I actually used the home equity line of

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credit as my down payment and bought my current home

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without selling my existing home. I just before, I

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00:18:48,150 --> 00:18:50,950
got to meet with you today, I got that exact call, and he said, I've

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got the equity in the house, but they won't take a contingent offer. And I've

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said, what? I wish I would have talked to you a year ago because I'd

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have told you to go ahead and get the home equity line of credit, and

319
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you'd have it set in there waiting and this problem would be solved. Right. So

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those are the conversations I like to have in advance.

321
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Yep. What, so how's the market? It's

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good. Yeah? It's good. You know? It it that's a a

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question that I get asked on a very regular

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basis. I think the market is good, anytime, to be

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honest. Whether you're, buying,

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00:19:25,495 --> 00:19:28,934
selling, right now is a really good time to where you have

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flexibility to negotiate, where everybody's

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not, you know, up in arms about overextending or anything

329
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else. We can negotiate. So don't be afraid to ask.

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You know, sellers are, you know, not in dire

331
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straits like that, so we don't wanna take advantage of anyone, but ask.

332
00:19:47,870 --> 00:19:51,710
Yep. Yep. And I wanted to ask you a a specific question that

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our our realtor told me last night, And I wanted to verify because

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00:19:55,495 --> 00:19:58,615
you're the expert if this is true or not. She told me with some of

335
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the new regulations for realtors that you're not even

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allowed to go open a door and show them a house unless they sign a

337
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buyer's rep agreement. Is that a true statement? That is correct. That's what I thought.

338
00:20:07,975 --> 00:20:11,520
Yeah. And so and you and sellers, listing

339
00:20:11,520 --> 00:20:15,200
agents are not wanting to show anybody a home that doesn't already have a

340
00:20:15,200 --> 00:20:18,960
prequalification letter. Right? Well, that's been a a while. Yeah. That's Yeah. That we've

341
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been doing that for a while, but, you know, the the buyer relationship,

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00:20:22,400 --> 00:20:25,975
agreement is just to establish that clarity of

343
00:20:26,195 --> 00:20:29,794
of commission. Mhmm. You know, we're here to to

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represent the buyer, and we wanna make sure that they

345
00:20:33,315 --> 00:20:36,929
understand that what that role means. Mhmm. We ought to

346
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make sure that they understand all the the

347
00:20:40,370 --> 00:20:43,570
compensation is paid. So there's there's no

348
00:20:43,889 --> 00:20:47,649
but I've been doing that for many, many years. So that wasn't anything

349
00:20:47,649 --> 00:20:51,169
new. Some folks, it's been a little little new Yeah.

350
00:20:51,330 --> 00:20:55,035
To get the get the rep agreement. I've seen that. Has been new is

351
00:20:55,035 --> 00:20:58,655
the fact that, you know, me as my my listing,

352
00:20:59,115 --> 00:21:02,575
I can no longer show that listing Mhmm. Without

353
00:21:02,955 --> 00:21:06,690
the buyer getting a sick you know, the sign agreement. Right.

354
00:21:06,750 --> 00:21:09,950
They may not wanna work with me as a buyer rep, and that's okay because

355
00:21:09,950 --> 00:21:13,710
I'll just do it for that one moment Mhmm. Of meeting. Yeah. Oh, you

356
00:21:13,710 --> 00:21:17,325
can just outline it for this house. 123 Fund Street. And then if they

357
00:21:17,565 --> 00:21:20,605
One day Yep. That one meeting. Then it could be good for them one day,

358
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and the next day, they can move on. And I have to up so several

359
00:21:23,645 --> 00:21:27,005
that way. That's really good to know because, you know, you could see how consumers

360
00:21:27,005 --> 00:21:29,965
could say, wait a minute. I'm not ready to sign something. But if it's only

361
00:21:29,965 --> 00:21:33,750
for one house or one day or whatever, that should alleviate any stress or not

362
00:21:33,750 --> 00:21:37,110
if had any trouble with it at all. Would you know, just make it very

363
00:21:37,110 --> 00:21:40,470
clear. And that's all I want is just to be clear about it. You know,

364
00:21:40,470 --> 00:21:44,230
what's going on and not make it weird when you're trying to do it.

365
00:21:44,230 --> 00:21:47,745
It takes time to talk about it. Well and let's be real transparent. I mean,

366
00:21:47,745 --> 00:21:51,425
if you're gonna go try to meet with someone who's listing a home, a

367
00:21:51,425 --> 00:21:55,265
a a listing agent can't truly represent the seller and the buyer.

368
00:21:55,265 --> 00:21:58,865
Correct? Well, I do not. Mhmm. That is

369
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intermediary, and I I do not do that. We do work

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00:22:02,490 --> 00:22:06,010
together within our own company Mhmm. With each other, which is also

371
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intermediary. However, there are agents that will,

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propose to, to work both sides.

373
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That's not efficient. Then let me ask you And that's my own personal opinion

374
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because, I I kinda allude to,

375
00:22:20,995 --> 00:22:24,775
kinda go back to in the legal world

376
00:22:24,914 --> 00:22:28,355
when you're working on a on a case, and that's my was my

377
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background. So you're either a plaintiff or a defendant.

378
00:22:31,789 --> 00:22:35,309
Mhmm. And typically, their attorney doesn't work with

379
00:22:35,309 --> 00:22:38,350
both parties for a reason. And that's how you look at it the same way.

380
00:22:38,350 --> 00:22:42,125
I need to work for my client in the best interest of

381
00:22:42,125 --> 00:22:45,164
the You bet. Let me ask you a different way, Deb. Mhmm. So I'm gonna

382
00:22:45,164 --> 00:22:47,745
put you in a corner. If

383
00:22:48,684 --> 00:22:52,465
a realtor was going to represent both the buyer

384
00:22:52,605 --> 00:22:56,350
and the seller, don't they have to place priority on

385
00:22:56,350 --> 00:23:00,190
one? The fiduciary, wouldn't it be towards their original, agreement with

386
00:23:00,190 --> 00:23:03,250
the listing agent? No? No. You're a neutral. Are you neutral? Okay.

387
00:23:04,350 --> 00:23:08,065
Alright. But if you're going to go buy a house and

388
00:23:08,065 --> 00:23:11,525
there's a, the sellers are represented by a realtor,

389
00:23:12,545 --> 00:23:16,225
would it then be your advice that they should have their own representation that costs

390
00:23:16,225 --> 00:23:19,905
the same amount? Who who The buyers. The

391
00:23:19,905 --> 00:23:23,679
buyers should always have her. Period. Yeah. Yep. Always. And so,

392
00:23:23,900 --> 00:23:27,660
yeah, these are the things that save any money. Right. You know, you don't

393
00:23:27,820 --> 00:23:31,660
it it's it's it's to your benefit. That's the exact point I was look looking

394
00:23:31,660 --> 00:23:35,195
to make there. Benefit to have a a a

395
00:23:35,195 --> 00:23:38,715
representative that, that has your best

396
00:23:38,715 --> 00:23:42,475
interest in in taking care of you. Again, it's not

397
00:23:42,475 --> 00:23:45,995
just about opening up a door. There's a lot that goes

398
00:23:45,995 --> 00:23:49,695
along with that when opening up that door. What about

399
00:23:49,980 --> 00:23:53,660
new construction? Can a buyer benefit by not bringing a

400
00:23:53,660 --> 00:23:56,400
realtor with them, to go buy new construction?

401
00:23:58,780 --> 00:24:02,565
I don't recommend it. Mhmm. Mhmm. I have

402
00:24:02,804 --> 00:24:06,485
been very successful for many years working with new construction for my

403
00:24:06,485 --> 00:24:09,845
clients, and I can tell you some really neat stories that I've

404
00:24:09,845 --> 00:24:13,065
learned through my clients, through their communities.

405
00:24:13,764 --> 00:24:16,985
Once they got in and moved in and everything, they've had

406
00:24:17,509 --> 00:24:21,129
their neighbors come over and tell them hellacious stories.

407
00:24:21,269 --> 00:24:24,950
Mhmm. And they're like, well, that didn't happen to us because

408
00:24:24,950 --> 00:24:28,230
I'm with them from the day that we signed to the day that we closed

409
00:24:28,230 --> 00:24:32,054
forever and ever and ever. Some of them, they don't have that hand

410
00:24:32,054 --> 00:24:35,895
holding or, information that they they

411
00:24:35,895 --> 00:24:39,415
need to be aware of when watching new construction, and I do

412
00:24:39,415 --> 00:24:43,110
watch our new construction. And and I can add to that. I

413
00:24:43,110 --> 00:24:46,630
know for a fact that the builder has already put in real estate

414
00:24:46,630 --> 00:24:50,070
commissions into the sales price of the house. So if you're gonna

415
00:24:50,230 --> 00:24:53,750
anything for free. Right. So if you're gonna pay for it anyway in the sales

416
00:24:53,750 --> 00:24:57,395
price of the house, my recommendation would be to have your own

417
00:24:57,395 --> 00:25:00,855
professional representation, period. So Correct.

418
00:25:01,475 --> 00:25:04,995
Alright. Well, I I even though we've been doing this a long time, I learn

419
00:25:04,995 --> 00:25:08,570
something every time you and I pow wow. And so those were a couple of

420
00:25:08,570 --> 00:25:11,530
hard questions that I just had to had to get answers. I mean, you and

421
00:25:11,530 --> 00:25:14,730
I are you know, we're not loan officer roles, say, one zero one. So I've

422
00:25:14,730 --> 00:25:18,330
always gotta ask you three zero three questions. But, you know, I always enjoy

423
00:25:18,330 --> 00:25:21,925
spending time with you. It it it increases my knowledge. And, you

424
00:25:21,925 --> 00:25:25,445
know, Tanya's available, pretty much day, night,

425
00:25:25,445 --> 00:25:28,805
almost anytime. And so why don't you provide your contact

426
00:25:28,805 --> 00:25:32,165
information? I'd be happy to. Thank you, Joe. And I feel the same way. It

427
00:25:32,245 --> 00:25:35,789
this even though it's a podcast, I feel like that this is our normal

428
00:25:36,110 --> 00:25:39,490
Mhmm. Yeah. Get together This is a Thursday for us, isn't it?

429
00:25:39,950 --> 00:25:43,789
Yeah. We talk about what we can do for our clients. Again, my

430
00:25:43,789 --> 00:25:47,490
name is Tanya Walker. I'm with the Walker Group at Coldwell Banker Apex,

431
00:25:47,785 --> 00:25:50,125
and my phone number is (469)

432
00:25:50,345 --> 00:25:54,025
207-8658. You can also find me on

433
00:25:54,025 --> 00:25:57,785
Facebook, Instagram, and all of the others. But I'd be more than happy

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to serve any of you any way I can. And we're both located

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right here in Allen. In fact, we're the only national, mortgage

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company that's headquartered right here in Allen, Texas. And so, again, I'm Joe

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Boggs with Highlands Residential Mortgage. You guys can call my cell,

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(972) 578-2300. Again, (972)

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00:26:16,440 --> 00:26:20,034
578-2300, or catch us online. We shouldn't be that hard to

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00:26:20,034 --> 00:26:23,794
find. Until next time. Thanks for joining in. Make it a great

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00:26:23,794 --> 00:26:24,934
day. Thank you.

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Thank you for tuning in to the Allen Fairview Insider, the official podcast

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of the Allen Fairview Chamber of Commerce. We hope you enjoyed today's episode and

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00:26:35,550 --> 00:26:39,310
found the insights valuable. Don't forget to subscribe to

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00:26:39,310 --> 00:26:42,830
our podcast on your favorite platform so you'll never miss an

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00:26:42,830 --> 00:26:46,350
episode. Like and share this episode with your friends and

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00:26:46,350 --> 00:26:49,975
family to help spread the word about our great communities.

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00:26:50,995 --> 00:26:54,595
We appreciate your support and are excited to bring you more

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00:26:54,595 --> 00:26:58,275
engaging content. I'm your host, Super Dave Quinn, thanking you on

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00:26:58,275 --> 00:27:01,795
behalf of the Allen Fairview Chamber of Commerce for listening and

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00:27:01,795 --> 00:27:05,630
reminding you to stay involved, stay informed, and keep making

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Allen and Fairview the best place to live in Texas.