17 Burst results for "X. P."

"x. p." Discussed on Real Estate Coaching Radio

Real Estate Coaching Radio

04:52 min | 8 months ago

"x. p." Discussed on Real Estate Coaching Radio

"So if you are not wanting to become an employee of one of these big companies and beyond staff. Essentially. Not No longer basically have control of how much money you earn you lose all the benefits of being real estate practitioner by becoming an employee in essence. Well, then what happens is that you are going to have the X. P. royalty because any XP royalty you do have an eye buyer, you personally have an eye buyer. So when you're going on listing appointments and you are competing, let's say with an eye buyer offer from zillow or open door in there'll be others probably the you're gonNA say well, guess what? I had the same exact offer. So let's go ahead and put the House for sale at normal. Commission. Normal normal weight houses are sold if the property doesn't sell after a certain amount of time, then we can use the offer from our the IB program. We have through our my brokerage, and this is you speaking in the agent that way you have a plan a and plan B.. To get the property sold in the seller can have their cake and eat it too. That's how you kick these companies butts listeners. As you and you have to do it you do. It is not speculation. No this is happening and this inman article proves it up one side. That's right this research project. You know that has the facts zillow. Open doors. So open doors not alone in its drive to push down by Agent Commission Zillow has the same financial incentive as also been lowering. Offering lower commissions over in its biggest markets in Phoenix for example, zillow matched open door and began offering two point two five percent buyer's agent commissions in mid twenty, twenty, a significant reduction from the full three per cent offered pre cove it at the same time July twenty twenty zillow dropped by our agents to two and a half percent in Atlanta. The evidence suggests that like open door, this was a coordinated effort affecting multiple markets simultaneously, and in this article, the charge proved that because the timing is identical in all these markets. In comparison to open doors, Zillow is both later to the party and less aggressive in its testing. Open door began reducing buyer agent commissions in April of two, thousand, nineteen zillow waited until July, twenty twenty according to a zillow spokesperson agents case. We can't read the whole thing because you know we're going to run out of time for exactly. But the point is that that's the end of their article right there the shirts and the timing and the reduction, the systematic reduction, and I think the most radical one being in in Atlanta they're actually trying out one and a half percent. It all matches up, right. So it's not just a transaction at a time seeing how it will happen. So so again, if you're running to not just survive but thrive in the new market that's going to be coming our way with regards to brokerage industry specifically you sure as heck better have your own eye buyer widget in your toolbox from you're going to meet with the sellers. There are at the very least you have to assume that every single seller, you're GonNa Stumble across even your your best friend from high school in your mom and your aunt who you thought for sure. You're going to get their listing without even blinking well, they're going. To..

zillow Atlanta IB Phoenix X. P.
"x. p." Discussed on WCBM 680 AM

WCBM 680 AM

06:59 min | 9 months ago

"x. p." Discussed on WCBM 680 AM

"80 wcbm. Welcome back to the doctor's Stephanie show, inspiring patriots who serve God and country to stand up against mental mind control and to create strong family relationships I have here with me today. Misters Up is a broker with E X P. Realty, a local real estate agent, land developer and consultant. Chuck, Welcome to the show s O check for tonight's show is wondering if you could share a little bit more with our audience about what's happening with relationships because, you know, I'm a show that's all about relationships within the realestate business and market right now. Yes, I think they were having Ah Ah, problem with our relationships with other agents and with other clients where we're just having the anxiety is up because the fact that things with Our smartphones and with Google and with different things that we we have so many of our clients have access to it. It's causing things a little bit to be fast paced. Andi were also having some anxiety is with, you know, trying to respond back quickly to our clients were having something anxieties with the fear of other agents coming in and stealing those clients. On Ben. We're all so the other eggs that were interacting with. There seems to be a next level of anxiety. Also with with the offers that they're coming in right now, in this in this market. We're getting multiple offers situations and the the prices are getting escalated up. So there's ah you wantto perform better for your cellars, A za listing agent on then also with your buyers with you're representing the buyer. I'm trying to give them the best price or or with his multiple offer situation's going offer accepted by them. So there's a lot of anxiety right now. A lot of pressure is kind of what I'm hearing and one of the things I was hearing. It is one of the pressures that real estate agents are facing is the fact that with the technology like the Google on social media that you were speaking of and smartphones and all of that Is that people have come to expect such a quick reaction the consumers do, but it can be really hard as an agent to always continue to respond so quickly, And there's that fear that people are going to not necessarily be loyal to you as an agent. They can just you know if if you don't get back to them quickly enough, and they get, you know, annoyed with that they could very quickly. Go find another agent, and then you're like, Oh, great. I just put in all this work and just lost. That client said that That's where that anxiety and pressure comes from getting that we actually had something happened to me somewhere this week. I had a long time client. There was no real fear of losing the client. But hey, saw a sign and he was anxious, and he called me couldn't get ahold of me. I was probably in the shower or something like that. And he reached out to the person on the sign and called them and they showed in the property on Dino instead of waiting five minutes or whatever. And there's nothing really wrong with that. I know. The other agent in the other agent knew me well. It's just that that next level of anxiety that you do experience because you feel like you have to be on all all the time. And there is that I've noticed that There is a lack of loyalty you know, with with with with people more so than what there has been in the past that since the last five years I've noticed that deteriorate greatly. With a lot of people, and I think that's across various industries is my understanding, but it's definitely affecting your into industry. And then earlier in 2020, you actually came to speak with me about how some of those dynamics were affecting you personally. You know from your industry? Can you share more about how that anxiety and just that lack of loyalty and relationships and people just kind of jumping around to different different agents and so forth? Was affecting. You have been doing this for about 20 years, and I recently had some issues where you know the anxiety just got to be a little a little bit too much. Mom and worrying about what other people think about me. And now I have learned through your help. Tio. It's okay for me to have certain beliefs. Certain you know things that I want to be more myself. I think it's one of the things especially I see. Some of the young agents were. We need to be on for everybody all the time. And we lose ourselves. And if we could just learn to be ourselves on DH, Just relax. And not not get so caught up on trying to be everything for everybody. Because we can't be. We can't be everything for everybody and most real estate agents are like my personality type A personalities we want, please, and we care about what other people think about. Say what we do, so you've helped me a lot to just relax and kind of realize it's okay to be me. That's a big thing. Yeah, that was fun for us to talk about and for you to kind of grow a little bit. Back into that. I think you had felt earlier in your life a little bit more more confident, actually, But it was sort of the digital age and some of these new developments in and how people are in their relationships with social media. You know, I've had conversations with different professionals, even with what's going on in social media, where people are calling each other names and so forth. They would actually be less likely to call people those names if they weren't on social media because they're on social media. So there's this anonymity with it, And so a lot of times they just can anonymously just kind of like, do whatever they want in their relationships because they don't have that face to face. Kind of connection where they feel a little bit more loyalty and devotion to the people that they're that they're interacting with. So I know through some conversations that we had you were able to become less focused on Clients who ultimately maybe chose to not follow through working with you. Is that right? You kind of try to stop worrying so much about what was gonna happen in that regard..

Google Andi Chuck E X P. Realty developer consultant
"x. p." Discussed on Real Estate Coaching Radio

Real Estate Coaching Radio

03:27 min | 10 months ago

"x. p." Discussed on Real Estate Coaching Radio

"All of our podcast coaching calls and all the things that we've been. You know focusing all of our lives on trying to help real estate agents, arrest agents of the people that we've chosen. But what were the chances of actually finding a brokerage like xp that would be perfectly in alignment with what our own personal life mission was it's I feel I feel blessed on. My only regret is we didn't do it sooner. Yeah, and and I think it's because it was so radically forward thinking that it's not something that I think you would like naturally go google for is a real estate company that has all these sixteen million different things that are super awesome. You wouldn't. You wouldn't go searching for that. So if I had any regrets not doing it sooner and that's why we talk about it. They can't say the same thing I'm going to edit that wishing we would have done it sooner because I have to tell you. It's gotten so much to hate to use this word because I'll get Chris for it easier. Well, that's true. You don't have to answer what's x Ray it's gotten so much. It's got so much easier in a year and a half ago hell even a year ago in you mentioned the fact that you're a shareholder new get stock in the company people. Would even what does that even mean who knows what the stock is going to do? Well, let me tell you it's gone up by four hundred percent this year. So there's that's something you hear to from X. P. agents especially that are newer to the company is there was still the sense that well, you know if the stock it ends up being something that's a little bonus. Okay and they always say the same thing you're not going to believe what showed up my bank account. especially. The first they see it right so and then they realize that there's more where that came from and it's a real thing. So I even though it's I do feel like I wish we have done it sooner. I have to say that now is way better than when we started doing agree because the companies bigger it's more organized the company's got momentum on so many different fronts so many ways to get help with it too and to your point you can either you can join. And just do your deals and never have to recruit but don't be surprised when people come to you asking about it. When that happens, maybe you haven't studied a lot about all the different benefits you just ask for help and there's going to be somebody you know maybe somebody who sponsored you is going to answer those questions for you and then you get onto your next deal or you're going to say you know what? This is pretty interesting I'm going to study this a little bit. To some calls about that. Yeah. I'M GONNA spend part of my day doing this. So what we're inviting all of you guys to do step aside you're like guys quit treating your real estate brokerage choices like it's a religion. Don't, you can't think like that because it's GonNa end up hurting you automatically if you're not owner of your brokerage and if your brokerage who own isn't making a profit, this is excellent time for you.

google Chris X. P.
"x. p." Discussed on Real Estate Coaching Radio

Real Estate Coaching Radio

05:42 min | 10 months ago

"x. p." Discussed on Real Estate Coaching Radio

"They've got this really I think fantastic executives in place to make the company go international at an increasing rate but you're going to see e x p probably have over forty thousand agents this year and who knows by the end of twenty twenty one maybe over one hundred, thousand agents. So you're seeing something that. Other than tech companies, which he xp essentially is becoming right you're seeing A. Essentially, convergence of things that could only happen because of the coronavirus. Really. Yeah absolutely, and you know we talked about this. It's so true. You XP was born online. It didn't become on Lewis born in a crisis didn't write it was born in a crisis right it. It didn't have to sort of you know retrofit itself into the new reality. It already was there almost like it was waiting for something like this to happen to thrive because you know all of those things are I kind of think of it as like, what is it the lodge pole pine? You know the seed, right so there's a lodge, the lodge pole pine to those big tall pine trees that they make lodge poles out of and telephone poles that engineers like them because they're so straight and strong. Well, there's a breed of those that only can grow once they've been singed in a wildfire seeds. The seeds can only emerge when they've actually and why is that because the outer crust the the seat has a resin around it and Granted can't plan itself because the resins too tough for it to actually get its roots through until a crisis like a massive wildfire releases that. So it's not just one crisis, but it's you know a decade ago crisis where this started and you know Glenn had the brilliant idea to say. Let's just make this thing completely different so that it is you know it's not just online, but all of your resources are right there. You can do everything that you need to do real estate from your desk. Will you mentioned car? You mentioned Brinson you mentioned clamper Dre, he's the founder of the XP. This was his idea. But if you look at for example and he's now become a billionaire because of it right in ten years thinks. He. Goes from basically making a video back in two thousand seven talking about how he was on his heels. Fans may have been two thousand six and how his goal was to create this company that would be virtual and he goes on to say how he wants to create agent millionaires how he wants to make agents owners of the company and share in the revenue, and he was way way early for his ideas concept people. Questioned it the old guard bricks and mortar that will never happen real estate is all local and Blah Blah Blah and then look what happened and look what's happening, and that's the reason that we have some of the biggest real estate brokers in the biggest teams that are contacting us saying let's drill down. Let's really look what this. Is All about guys it's not just a real estate brokerage. It is real estate brokerage in the sense that basically it does X. P. offers whatever the best real estate broker just in the country offer in many cases much much better. So the services that an agent receives a DSP exceed usually the best. You know brokers out there but the way that they've created this businesses agents are literally owners in the company agents are awarded stock for selling houses for sponsoring people. When they sell their first house, you can buy the stock at a discount XP has created an alternative path forward for you.

X. P. Brinson A. Lewis Glenn clamper Dre
"x. p." Discussed on Real Estate Coaching Radio

Real Estate Coaching Radio

03:39 min | 10 months ago

"x. p." Discussed on Real Estate Coaching Radio

"That's how much money you have to spend just because somebody decided that's how twisted it, and that's all twisted is and there's all these different review sites in all. Of them operate the same way because legally there's a little carve out that all these guys have that allows user data not to be essentially their liability, their responsibility user posted data. So my suggestion is until that stuff is cleaned up to the point where it's frankly operated on a level playing field where people are not allowed to put her in eastern formation. Up On yelp and whatnot opt out don't participate don't have profiles and reviews site there's virtually no upside to it. You can on your own facebook page for example, your facebook business page you can start collecting reviews yourself start getting of your past clients start getting little testimonials, start getting things from them real information from real satisfy people that have really done business with you a posted non imas. Feedback through Yelp, for example, now here's the opportunity for all of you guys in the X. p. e.. X. P. has virtual yelps own terms of services specifically states that they can only review local physical location type businesses, restaurants, and all the good stuff like that. You are not that if you're working with the XP, you are virtual. So yelp cannot how'd according to their own terms of services a profile for you on Yelp? So if there is a yell profile for You now go google find out. The YELP has got page setup for you because that page is most likely already in place that you don't even know they have in there might actually already be people that reps and garbage about you that may or may not be true rate. I cannot assume that all negative comments online or net are not true but it is an opportunity for someone to throw potshots at you. That's what those sites are. So go and look at that. And if you're at the X. P. or any virtual company for that matter Yelp, we'll have to remove your profile because it's against their own terms of service. Now, again, I'm telling you all this guy's because it goes back to Julie's point in with regards to go ahead Jake. Well, I mean you gotta think like a seller or buyer prospect and you're not the only one with that lead and it's between you and the you know maybe their spouses buddies with somebody. They golf with every day, and so how are we going to level the playing field? One of the things that people do is they google and see what you're made of. So you got to mean back to our original point right moments of truth. How long do you think somebody spends googling anything before they make a split-second decision I like it I don't like it. This person looks at professionals person doesn't look professional. So if the first thing that pops up is some. Grazie review, you can't even identify who it was. How's that? GonNa look I got an email this morning from. maximally are certified supporting animals and she's talked to you just documentation. She's talking about her French bulldog not children. Really have wife we only have. Always noticed certified supporting them with anything Zoe needs a certain. Call. But you do have to actually go through paperwork. You have to show that got their back scenes that they've had some level of training, Yada, Yada right and there's a company that certifies that so that you can fly with them and you have your documentation while I got an email from them this morning saying we need your. Because our non-clients are posting negative reviews about us. So we're reaching out to all of our actual clients to defeat the negative reviews who was posting up the negative reviews probably their competitors because there are several companies that do that I haven't gone to look but to your point, you know they're they're feeling a crunch in their business from it and it's not even legitimate clients..

Yelp google facebook X. P. golf Julie Zoe Jake
"x. p." Discussed on Lew Later

Lew Later

05:50 min | 10 months ago

"x. p." Discussed on Lew Later

"Supercar Hell Bent on redefining high-speed. This thing look so cool. Well, it's hydrogen. It's not electric. It promises a thousand miles on a tank of hydrogen. It's called the high period on X. P. One and it's a culmination of cutting edge technology. What do you think about the look at that thing scroll through some of these photos by the way if you if you go down, you can click on see all photos and you're going to be blown away. I promise you that. Boy. What's the matter? You don't like the formatting. I need you to see this thing will here it's like nothing you've ever seen before. They currently don't have the juicy performance specs, but the X. P. One will allegedly do zero to sixty miles per hour and two point two seconds. And, the SUPERCAR will go one thousand miles. On. A full tank of hydrogen. Apparently, they found a way to store these hydrogen tanks which. is very efficient and you don't have all the way on the bottom of the car like you do with a battery type of setup, and so they say these things can handle can be lighter look at that thing. It's a spaceship come on well, nothing. Yeah I mean it's very cool. It's very cool. Awale Photoshop it to be in traffic these these shots are way too pretty not in real life we realism will. Well, some of these do are sort of more rendering but if you go up go up to the ones closer to the top. No, keep going now. So the other these ones look more real when you go to the second one there like that looks like metal sheet like stainless steel keep going down. Or this one of the hood I understand it's not in traffic, but it looks more for realistic keep playing a little bit more. I don't know I don't know how real these shots are agree with you on that but it looks kind of it's got a Bugatti type of vibe to it. I. Know You WANNA see traffic but doesn't traffic kind of kill it as well? No No. No. That's where you're gonNA drive it right. On track? No, you don't. No. You don't. You have this car you're never in traffic you never. Know, you don't take it on the 401. It's nice accents though the blue. Yeah. It's very futuristic, but for whatever reason was not into it and he totally should be. So it's apparently actually going to enter production in the US in just two years and they're betting on hydrogen instead of hydrogen fuel cells instead of. The EV setup, which is interesting because everybody's trying to the thing you could have done any version of this and people have been all over it too. But some are betting on the hydrogen. They say a less bulky. They say faster Philip time compared to reach a recharge and zero emissions I. Know There's all kinds of complexities with hydrogen, but they claim to have figured it all out. It's currently a prototype keep in mind could look a little bit differently the different than it does in these images but certainly check it out high. On Ex P.. One..

X. P. One Philip US
"x. p." Discussed on KNST AM 790

KNST AM 790

05:43 min | 11 months ago

"x. p." Discussed on KNST AM 790

"Three team powered by e x p really day Here's the Wind three Team leader Bob Zach Mayer. Good morning and welcome back. I am Bob Zach Myron, with the team in And the homes where the wind three team made the experience E. I was mixed that up. I was win three realties broker on my wife and I open that company for 14 years, and about 2.5 years ago, Jerry we opened, We closed our brokerage and we joined the e X P Realty. And a lot of people, you know, ask why. While you were 100% you owned your own company. You made 100% of every commission and it's like, yes, I did. But I had 100% of all the expenses and with their national or actually worldwide movement toward getting rid of brick and mortar. And you know, just doing things more efficiently and connecting consumers to suppliers. We just found that we didn't need and we could get much better service to our clients and actually get the same products and services that we were paying. 34 times more for because of the international pricing that they got. It just made a total amount of sense. But every agent who's ever sold a homemade e X P Realty is a shareholder. So I just want to tell you, Jerry. When I first found E X P royalty in 2017. We had just gotten to 3000 real estate agents in March of 17. And we are now over 30,000 real estate agent, So I mean, that just went crazy. But the stock every time we sell a house, the company you know, we buy company stock with her with our 5% of our commission. That stock has gone from $3 a share to $20 a share. So I mean, when you look back at at three years ago when we started, I mean, our shares of stock are six times more. So I just think if you had invested 5% of your Of your paycheck and to your company's stock. And now it's worth six times more. That's the equivalent of 30% of your paycheck that went into the stock. So it's P is, you know when they went on to the NASDAQ, I know I'm not telling everyone to go buy a $20 a share. It's very high. It's never been that high before. So I'm not giving stark advice here. I'm just letting people know I often get questions. Like what did you used to have wind three reality and has sold over 4000 homes. Why would you quit? And and it was just we actually can by someone else in the company doing everything all the mundane, you know, task. It allows us to have more time with our clients. Right? And And the thing is when you you know, Buy yourself a home with me. Pickle. You get me You know, I don't have Ah, bunch of other people that I I'm gonna pawn you off on her. You know, Like a lot of big teams. Do you never actually meet the person that you're that you're going into business with and the team and experience he has Camille and I I I do have Ah, couple of agents that do some tasks like hanging key saves and and, you know, sign writers and things like that. But you know is so it just doing what's the most productive and where my skill set is best. Utilized is helping people figure out what to do with their property. Should they buy should they sell Should they hold? Should you know it'sjust or how to invest in real estate in Totally different way. So that's kind of why I wanted to talk about just different parts of Of the country and how different they are from here in Tucson. It may not be. You know if you can go rent a property in Illinois and And by it and rent it for 3% of the the sale price every month and rent. You know what? Maybe I want to do it here and make 1/2 of 1% of the sale price every month. But here's some of the things that should have everybody listening to this program concerned. So this Corona virus is unprecedented right and everybody's scared and there are legitimately people dying, debatable how many that is and how they're being reported, But Basically pretty much this That's where did this come from? From costar? But there is a company that called eviction lab that basically published this little chart, and it's a It's a breakdown of policies that are adopted. By the United States, You know, 50 states and Washington, D C, targeting housing and eviction. So the first of all, how many states offer debt relief to people that are having trouble paying your bills 30 states have adopted Don't things to actually help tenants. That's great. How many states haven't and put a freeze on rinse? Three? How many states are not allowing you to charge late fee on rent eight. So now if someone doesn't pay you on time, Guess when your mortgage payments due the same time every month, right hope, and now there is no late fees anymore. So is the incentive to pay you on time. Still there. So there is a foreclosure moratorium in Three states, including Arizona. There is no reporting to credit bureaus, and now the four states have made it illegal to report slow pay or no pay to credit bureaus. Eight states have Indoctrinated a grace period where you have to give the tenant a more time to be able to pay the rent, and I'm all for working.

X P Realty Jerry Bob Zach Myron Bob Zach Mayer Team leader United States Tucson Arizona Illinois Camille Washington
"x. p." Discussed on NewsRadio KFBK

NewsRadio KFBK

04:27 min | 1 year ago

"x. p." Discussed on NewsRadio KFBK

"Estate report or very excited to be here today this is Darcy Stratton I'm an agent with the X. P. realty and I've got a leash a black wood with the American dream mortgage team best lender out there she can do anything I promise you do not be scared do not be nervous give her a call because that we have gone and gotten together and had some fun times in some great stuff for some clients so we're talking about that today and we're leaving in two inspections that happen while you are in the home buying process so that'll be cool Asia I'm excited about that I love it and so you I joke and I'm like the queen of inspections because you help my sister and she was like in tears at these crazy you know items that came up on her inspection you got the seller to knock the price down I remember from four forty what to four seventeen based on how the inspections came back that was awesome that was awesome yeah I'll tell you my secret that rockstar thank girlfriend thank you I'll tell you my secret I go to every single home inspection and I've become good friends with home inspectors and I learned as much as I can because I feel like it helped a client when we go to purchase the home they're already nervous right and they're afraid that there's there's something catastrophic about the home they're buying world we all would have that fear and once we get into escrow and they start looking at the home through the eyes of them owning it it's different than when we haven't made the offer and they want the home really bad you don't see all those things that you do see once you get in to ask Chris I was tell people your eyes going to be different you can have a critical eye and we're going to hire someone to rip your new home apart the first thing we do with the main thing you're gonna love it we hire somebody paying big box you came about five hundred five fifty you know for the average size home to come and go underneath your home if it's raised to go up in the attic to go all around and look for anything that they can find that is wrong with that home and win over the years as I've gone along with home inspectors and collected the data like we say we know there I've learned what are big issues and what are big issues and you know we really try to focus on the health and safety issues you want everyone to be safe in their new home and when your sister daughter home there's a few things that were compromised in that a little bit and we had some issues where some maybe some water intrusion happens and we just wanted to cover her on that a little bit so I always say you know we just collect our data and then come back with the listing agent to say here is what we and this is what we're asking for and it's important and these buyers you know deserve death and a lot of times the sellers had no idea that their home had leaks that the roof was leaking that they had a bee infestation in the attic that they had a panel that had caught fire electrical panel they don't know because you know we don't normally know things until it's a problem right absolutely I am I know I always tell everybody my I do this for a living I do mortgages I've done for twenty years and I bought and sold quite a few homes now at this point but I cried on almost every thank you and I'll just tell you why not this home but the one before that the home inspector for the home inspector came to the house and he said the back of your pool the the retaining wall is going to cave in and get your balcony it's gonna collapse and I'm like in tears up like I don't know if this is a good decision and I I was so afraid I lived there for nine years and none of those things happened amazing well you know the funny part is is it had a you know it's always hindsight had I known then I wouldn't have been so emotional and it did take a really good agent at the time to sit me down and say listen you are paying somebody to pick this house apart so understand it's their job to tell you what could happen right and that's what I that's my biggest advice in getting these inspections is understand the data this is data high and it's super helpful and important and that's why you're paying them but it's not necessarily something you need to freak out about yeah okay yeah yeah so definitely lean on your realtor to help them understand you know what the results mean because again like I said none of those things did happen and that was yeah I tend to see that ranch properties will have a few more.

Darcy Stratton X. P. realty
"x. p." Discussed on 760 KFMB Radio

760 KFMB Radio

03:08 min | 1 year ago

"x. p." Discussed on 760 KFMB Radio

"Agent the winner is slow when it comes to selling homes our friend Daniel beer the beer home team of the X. P. realty doesn't believe in seasonality in fact your whole team is average home in escrow every day so far this year the winter is hot inventories low most other sellers are asleep at the wheel take advantage call the beer home team the spring selling season is here now in San Diego the beer home team has their proven in federally trademarked five day blitz their system is so dialed in they'll guarantee the sale of your home at one hundred percent your asking price or they'll pay you the difference small terms apply ask for program details and let the beer home team take on the risk so you don't have to with their minute to minute listings and if you're one of the country's best happens to be here in San Diego Dan beer in the home team call eight hundred six six seven twenty oh three and they're nice people to don't hesitate to call one eight hundred six six seven twenty three or visit sold by Dan beer dot com beer like the drink sold by Dan beer dot com there there is one seven sixteen KFMB welcome back to America in the morning now fourteen past the hour time to check in with accu weather dot com meteorologist heather Sher what parts of the country do we have to watch today for any sort of rough weather heather the card to the country that are most likely to end up with some wet weather are going to be several small little areas we still have some showers that are on going in the southwest this is mainly going to be a factor across extreme southern portions of California and over into far southern Nevada and down into southwestern parts of Arizona however the precipitation is not going to be as intense and we're not going to be seeing any risk of flooding for today unless any additional showers aggravate some flooding issues that already exist we're also going to be looking at a storm system working its way through the Ohio valley that's going to be able to bring some unsettled weather as well we're looking for mostly areas up through the Tennessee valley up into the Ohio valley to get some showery weather that's going to be spreading eastward then as we head into later today and tonight affecting some areas in southern parts of Virginia and down into the Carolinas again that we're not looking for anything to heavy we're not looking for any kind of severe weather to affect the country as well the only area to watch for any rough storms is going to be the area that's moving out of Kansas here early today there could be some strong storms moving into southwestern Missouri just during the morning hours before those diminish and that's the weather across America in little rock Arkansas today they'll be rain and a thunderstorm this morning ending this afternoon high sixty eight and in Boston Massachusetts we'll have a brisk is start to the day it'll be much cooler with sun giving way to clouds high fifty two that's the nation's whether I'm accu weather dot com meteorologist heather there thanks heather this is a matter okay in the morning I'm Christopher cruise in for John trout it's sixteen past the hour the number of coronavirus cases continues to grow across.

X. P. realty Daniel
"x. p." Discussed on NewsRadio KFBK

NewsRadio KFBK

08:38 min | 1 year ago

"x. p." Discussed on NewsRadio KFBK

"E. X. P. realty have a good time with you yes absolutely we're here every week at four o'clock AM Darcy is no picked up one week a month herself she led to so much visiting with me huh I'm having a good time it is a good time so we've been hitting up on rates we've been talking about how it's impacting the real estate market and so I really wanted to hit on appraisals today first things first when appraiser goes out I was taught years back at you know the foundation of the criteria they're using is they take a home the home in particular they're evaluating when they're looking for cops ideally we want to find six good homes that have sold preferably within ninety days they take the year the home was built and they go ten years older ten years newer in a residential this try to stay within one mile the start with a quarter mile then go a half mile to a mile and answer ten years newer ten years older but the twenty percent square footage up or down so they take your home and the time's up by twenty percent and that's the range up or down from what yours is so with that criteria if they can't get six compare both that's when they start to stretch the criteria go a little bit farther go a little bit older in the closing date so when asking an appraiser what are some things that clients can do they're worried about the value if they really want to have it come in the best what can be done so Darcy give us some ideas on curb appeal because the appraiser did hit upon curb appeal being very important what can somebody do to strengthen their curb appeal paint I mean honestly painting a home on the outside pinning it super cute like a little ranch home white and black anything precious that just kind of make that pop that'll draw men and then paint on the inside those all just attract we've got to make the house look attractive will help me yeah clean and let's see what other things would you know the flooring we talked about the flooring that help still as silly as it sounds little annual flowers again until yes some color throwing down some topsoil I just threw some topsoil down yesterday yeah it could it covers all the weeds if you're trying to make a quick yeah charge for your pictures absolutely bark makes a big difference you don't put in from side isn't as expensive as you think I think at home depot it's like three dollars for a role yeah it is important so if your yard is tore up gap put some fresh grass yeah I know dude put a little TLC I'll help clients I have a great guy that helps out he'll come over put in some stepping stones just little things that we get people to go in correctly through the correct door where it just has a nice feel we want them to be able to imagine themselves there so you have to create like a little pretty tale for them to follow as you enter into the homes they can see the story so in experiencing it on the lending side you know because the appraiser is coming out to the home he's he's dissecting this house he's making sure that the house that you're buying is not is worth what you're paying and you know certain things that could get called out as an example are is the water heater strapped yes yeah missing a carbon monoxide detector yeah of a fire in a what the heck is it called a fire alarm fire alarm the smoke alarm okay there you go super simple inexpensive if these things aren't there when the appraiser comes out I mean it could be a potential hundred and fifty dollar re inspection fee for the buyer exactly having that stuff done one thing that I noted that he had mentioned was if you have some damaged drywall let's say you had a leak in the past now the leak is fixed however there's some staining painted yes please paint it don't make him question yes going on is this does this home have an issue if there's a broken window we need to get it fixed yes the if the issue I think you and I don't like that yeah absolutely no holes in the walls I know that when it comes to what is it through Raj door can't haven't a doggie door yes so the door leading from the garage into the home the man door it needs to be a fire safe door so once you cut a hole into it for your for Cujo right yeah you break the seal so an appraiser will generally now sometimes they don't always but generally will call that out as a safety issue so we're looking for health and safety issues on a basic level right that's just like the passcode for an appraiser people are always like what about this what about that you know that my I didn't get a permit for my hot water heater they're not going to pull permits and things like that but they will you know take a visual I make sure things are up to the health and safety code that they need so just making sure every light switch works every wall outlet works the fans you know little little things can make a difference and if you can imagine when a buyer comes in to get the home inspection the home inspectors job it's a literally picture house apart yeah appraisal not as much but home inspector yes so if all these little tiny things that are expensive for taking care of it's just that much smaller of a home inspection it'll feel a lot better when it comes to quality of roofing and foundation I know for the most part I don't have a ton of roofs it lets you have a tarp okay seriously on the roof and I have seen that by the way yes I have typically unless it's obvious there's holes call out the roof around so if you think this appraisal which is there to tell you if the home is worth what you're paying is going to do all is going to cover all of those things it isn't a you would still need to get like a roof inspection if you had any concerns appraiser can call for research yeah if they see like a hole yeah can I ask you a question if if I put an R. A. Adam real estate agent put on the purchase contract Hey we're going to get a home inspection please don't do that friends are liaising Leo just don't do that torturous thing to me okay because it's been I had to go down a vicious spiral attack will one hundred percent it's not necessary okay okay lenders do not want to see your home inspection no that's just for the buyer just for the buyer it is literally the home inspector job to to point out anything and everything they could ever go wrong with your house yes every hole on the screen you name it okay it's like four hundred pages every I'm hearing we get our hands on it which by by the way again we do not need this it is not required and lest you right in the contract then we do need to see it now all of a sudden it we're getting pictures of plants touching the exterior of the home trees that'll have one tiny little branch yes just touching the home all this and we want you to chop the brand job for you know hall I mean you don't want the bank we're giving you demands on what improvements need to be made in the reason that's important is you don't own the home you can't do the improvements so now the seller has to be willing to do it and it's a fight it complicates everything don't call the bank already has the appraiser going out which is going to cover the buyer that's what that operators going out today to make sure you get the value make sure the home is up to health and safety code that are needed so we don't really need to complicate it with that but I have the I've had that happen early on in my ears it was painful Asia yes it is very painful so when it comes to appraisals guys another important piece to take into consideration is pending compare bulls will not count in your value so just because you have homes down the street that are in contract being sold that is not going to affect your value and tell is officially closed thank you so you might need to wait a couple weeks okay yeah it's important for people to understand that the other thing is even if you bought your home in the last two years you can not now be compared to a brand new show room builder home that is listed for sale all that is now a that is no longer a compatible you are now a resale home you can only come out with a resell homes great point that's a really good point huge they'll have clients that you know they they bought their home they want to refinance and they think well this one selling for brand new for fifty thousand dollars more well that is not able to be used to justify about yeah good good point we need some colors we do need some colors so we are doing a giveaway tells about the.

X. P. realty Darcy
"x. p." Discussed on 83 Weeks with Eric Bischoff

83 Weeks with Eric Bischoff

02:16 min | 1 year ago

"x. p." Discussed on 83 Weeks with Eric Bischoff

"Share your personal experience with us about X. P. T. it started as you know Mrs. Be My wife is very much into holistic health and and studies reads a absorbs a ton of information. She asked me to watch a youtube with her. And I'm not gonNA mention the person's name because we're not promoting that particular individual or his youtube channel but it was an ex navy seal who has taken a lot of what he's learned A- As a navy seal in training in adapted to kind of performance coaching. If you will in other aspects whether it's athleticism or or business or whatever and one of the foundations of this particular video that I watched this this person was talking about the importance of you. Don't relaxation clearing your head meditation. Whatever you WANNA call and breathing is a big part of that so I think we often looked to? I think as a culture we look for a fast fixes right. What's the next big fad diets? How can I quickly get into shape? How can I quickly you know trying to run a marathon? Whatever it is you're interested in doing? He and I think breathing. Probably one of the things that's most overlooked and if you can control your breathing and and adapt your breathing to whatever it is. You're when you're trying to accomplish you can probably get there much faster but it's one of the things we don't talk about or think about or read about too often so I think it's a great APP. It's IT'S A. It's a science. That is well researched. And like I said you know if it's good enough for navy seal to learn how to breathe a in their training to to to be the best that they can be it. What is probably one of the most extreme physical challenges that a person could face? Listen I think it's up to that. Everybody should look into. We've got agreed to do. With Experti- life was inspired by training techniques and lifestyle habits of the big wave surfer Laird Hamilton the former Pro Athlete Gabrielle. Reece and the X. P. T. Life APP is rooted in the most basic yet powerful human trait. You need to breathe really. Is that simple. In fact the average average human takes over twenty three thousand brass per day. So wouldn't it make sense that we should learn the best way to breathe so we can perform the best we can..

youtube X. P. T. Life APP Laird Hamilton Reece Experti
"x. p." Discussed on KNST AM 790

KNST AM 790

11:03 min | 1 year ago

"x. p." Discussed on KNST AM 790

"Meier today and I am joined in the studio with by Scott keys are with the X. P. realty how are you Scott pretty good good morning to you thanks for having me here today of course so it is a it's a very unique time of year simply because typically January December and January your slowest months of the year for the real estate season and this is not just locally but nationally and but we are seeing a very different trend this year and that is it is quite busy this January as it was in December and this is primarily do I mean to a number of factors one is of course we have lack of inventory in Tucson so people I think you're getting ahead of the curve and it there you know if a house that they like comes on the market there are are making an offer now and verses waiting till you normally the spring buying season traditionally starts which is in March hi I think the other the other main reasons is that the economy is really strong people are confident make their decisions so it's dismayed where we used to have quota buying season it's just stayed steady busy all throughout the year which is a welcome surprise you know the first thing that people or at least I get a lot of phone calls about is does that mean values are getting out of whack and are we having our we had another bubble and you know it's my my my opinion that we are not in the Bible values of course have been increasing but they're not out of step with wages we weren't like other markets like you know San Francisco Seattle Denver Los Angeles San Diego where values really shot up years ago the three or four years ago and and kind of maybe got ahead of themselves we've been kind of slow and steady and yes we saw some appreciation last year but it was it was kind of pent up demand appreciation so know that you know them the real estate market is just very very strong right now our our our biggest head when of course is lack of inventory but you know as far as affordability goes even the homes are a little bit more expensive rates are a point lower than where it mortgage rates are point lower than where they were a year ago that helps with affordability and again when you look at the economy and you look at the jobs numbers at out there you know you've got this low unemployment of more people employed more people have the ability to buy so all those factors are just king into a very strong housing year for twenty twenty so that's that's kind of the overview of the market Scott what's your take on that well I heard on Friday that there's six point eight million jobs unfilled they can't even find people for somehow they have a lot of lot of people who if you want a job Chris you have to match the people to the job but it's that's what they're looking for jobs right right right opening yeah yeah that's employers looking for for employees well I'm not you know I guess to kind of dove tail under this this news so on Friday some news came out about the housing starts what and what housing starts are people that have pull permits to build the house and it came in at the best number nationally that we've seen in twenty years and it was something I believe one point six million units were started and why do people want to start a house and December and January well it's because then the house is completed and the spring and summer months which that traditionally the biggest buying seasons of the year yeah you don't want to start a house in July and then have it you know if completed in December and then it's it's on the market for three months so this is a what this does is number is important for a few reasons number one it it shows that the confidence of home builders that they're willing to spend the money to because they feel that demand is out there so that's home builder she's telling us that Hey we're willing to pony up cash now build these hold so that you know because they they're confident in the marketing where it'll be mid year and also you know when you look at the consumer overall the consumers just very very healthy so it's a it's a number that is it's an exciting number and it also is a number that just kind of exemplifies how strong this real estate market is yeah it's over two hundred thousand more than expected home starts and I guess you should start expecting it because look at the stock market they were hitting record highs in all three indices we're in the twenty nine will probably get thirty something and by the end of the month to not close yeah I am we are not a stock you know this is a stock pickers are forecasters that's for the program before us better and and but you know I went to a financial dinner last year and the person presenting said he expected the Dow to be at forty thousand you know in in about a year's time and if they give this a year ago at the time I thought there's no way because the Dow is at a you know was like twenty three twenty four I was like you're crazy no way will be a forty and now it's like that really that could happen and it son who knows that's the if it will or not so let's what other news we have Scott well we got in twenty nineteen realtor dot com top markets for twenty twenty let's I would love to hear what our top markets for twenty twenty so where would you think number one should be I would say to sign Arizona well they found the number three there number three so that's pretty good Boise city Idaho in McAllen Texas are one into so that's Amazo Tucson being on the list could drive our prices were a lot of out of staters might start looking for investment here and and I I what's funny about this entire listen if you have the numbers let's run through the entire ten please so we've got you know we got Boise Idaho we've got McAllen Texas we got to sign we got Chattanooga Tennessee Columbia Rochester New York Colorado springs Winston Salem Charleston and then Memphis Tennessee those are ten and what I what I think the the the common theme on all of the cities is that they are they are not the major cities they are the smaller cyst in cities to a lot of the the major cities in each state and which makes sense because those where that's where affordability you know if you're where Phoenix has become more expensive to sign is the more affordable so many of these these same markets and yes it boils down to jobs the labour any every city wages all of that the cost of living except track but really these are all kind of the sister cities in each state no the smaller cities they're gonna yes I think that's a common thing but it's really great the two sons on the list well be prepared because when we were on a list before that's when the market spike yeah I know that it that time that was a different article in it a different periodical and it really kind of pointed to sign as in in a different light this I think is just saying that to some for so many reasons whether jobs affordability it is this is where their desired markets where they see growth so hopefully hopefully that's true I love it that were on the top ten I don't what we don't need to be number one we just being in the top ten is a is a welcome surprise very good yeah so so I'm on to on a more news so we've got you know one subject that has been in the news for a long period of time that we have not talked about in the past is a and a lot of the show we're gonna be talking about what buyers need to do when they're buying a house and getting prepared to buy in this busy season that were were having and one thing we've not discussed much about is wire fraud and if you are buying a house you are going to be getting lots of emails or if you're selling house for that matter you'll get lots via email not only from the title company but from real estate companies all about wire fraud and beware of wire fraud and what does that mean and it's important to us it is a big our problem and it's something that we are you need to focus on and and what it is is a grease what used to be is that someone would get a buyer would get wiring instructions and it wouldn't come from the title company will be come from a criminal that had intercepted someone's internet or email along the way but it looks like it's coming from they would copy the title companies information so everything looked the same except for the wiring numbers very much and and and the emails were eerily the same and and but they would do that for lenders are doing it for real letters they were doing it for I've heard stories that that someone would a consumer would get an email and it looked like it came from the real a torrent maybe the name of the retailer but just instead of being dot com that was dot or or something so unique or two initials were were mixed up or something very very minor details that if you just glance it over with the I. you wouldn't catch it and somehow that criminal would intercept the email create a new email send it to send it to the the buyer and say Hey here wire this money to this account not the one that you have before and please send it today because your closing in two days and of the victims with logically thing O. okay I yeah it makes sense I've got to send the money now and they would wire the money to this fictitious account and by the time they caught it no maybe in an hour or two later the money was you know obviously gone yeah I've heard of a lady couple sold their house and then when they wired their proceeds to the title company for the closing of their new house it wasn't correct now they were out of a house busied sold there and then they didn't have the money to purchase the new one it's a sad sad time yeah so it's you know what what you do if you are a buyer or seller what should you do because it the only thing the the that you can do is if you are plant prior planning on wiring the funds to the title company yeah there's many ways to get money to a title company you don't have to wire you can get a cashier's check.

Meier Scott keys X. P.
"x. p." Discussed on WCBM 680 AM

WCBM 680 AM

01:57 min | 1 year ago

"x. p." Discussed on WCBM 680 AM

"X. P. L. O. R. eat to sixty four thousand whole as people how they felt they did in twenty nineteen the opinion is split among respondents on the quality of year it was thirty seven percent say it was a good twenty nineteen thirty eight percent say not so much with days left in the year twenty percent just aren't sure put a political spin on the same question sixty percent of Democrats call it a bad year while sixty five percent of Republicans say it was good forty seven percent say strictly for themselves twenty nineteen was pretty decent that's the lowest yearly opinion since twenty twelve win forty two percent label that year a good year boxes going all Scott the federal government reporting a two point seven percent increase in the nation's homeless population based on its annual count taken in January of this year the department of housing and urban development says it's the third consecutive uptick in homelessness and was driven by an increase in California sixteen point four four percent there could be a risk to some people who may have bought hard boiled eggs federal health investigators around with a new warning over store bought hard boiled eggs and they say throw them away if you're over the age of sixty five have a weakened immune system or are a pregnant woman at the center for disease control reports seven people in five states have been sickened one person is dead in Texas investigators say peeled hard boiled eggs sold involved by all mark to retailers and food service operators are the likely source the warning does not apply to all markets hard boiled eggs sold directly to consumers tomgram fox news Starbucks violated to York city's paid sick leave law by making ailing workers find substitute or face possible disciplinary from firing city officials say as they announce a settlement with the company the company has changed its policy and agreed to set up a hundred fifty thousand dollar restitution fund for employees I'm Lisa let Sarah this is fox.

California Starbucks York city Lisa Sarah X. P. L. O. Scott department of housing Texas
"x. p." Discussed on Biz Talk Radio

Biz Talk Radio

04:24 min | 1 year ago

"x. p." Discussed on Biz Talk Radio

"L. and guess what happened the price stated twenty two Bucks bill dot com are they opened it is thirty five I was up another three and change today interesting huh we like to have the number some build dot com hundred million of sales last four quarters they've never made money two point seven billion dollar market cap so that when they were able to open up pretty well you never know X. P. Inc twenty seven dollar I PO two days ago opened at a thirty four to thirty seven now up three Bucks today our sales two four six eight nine ten for a little over a billion over twenty one billion dollar market cap of the maze go let's see thirty five it's trading at a hundred and ten times earnings but good sales growth Brazil based company that provides securities brokerage so there's a couple but of course we ran into over which isn't dead money right now a left pretty much dead money right now offer the seventy two hour IPO with the stock at forty six but interesting enough to a peloton twenty million dollar deal opened the twenty sex hit a low of twenty years up to thirty one and they lose a bunch of money go figure it's just about the sighting picking your poison watching pricing volume because you never know what what's next until it happens and you never know which one's going to be the one that goes crazy the upside regardless of valuation for making money see what pricing volume I'd like to get back to the point where we can find some decent valuation you know master card came public in two thousand and six at the price of all four box it's two hundred ninety six does have a three hundred billion dollar market cap now but they've been consistently growing their business actually double the business every three or four years because people love them credit cards and they don't pay them off every month for the paying eighteen to twenty four percent interest what a great business so we'll keep up to date but as we've told you you do your homework I PO dot com has got to be other IPO websites with a list of all watch a because ten years from now the biggest winners of the next ten years will come from IPOs today I have no clue which there are by the way and a bunch from a go to zero so I have one page that's complete IPO paging you know what's interesting consistency of the page right now a ton of stuff is to win three Bucks because they brought out a lot of crap in the last two years eight ton of specially a Chinese names Chinese companies came out of fifteen Bucks it out to win three so you gotta watch self up next we'll take it into the weekend I.

Bucks X. P. Inc
"x. p." Discussed on Biz Talk Radio

Biz Talk Radio

04:07 min | 1 year ago

"x. p." Discussed on Biz Talk Radio

"It is thirty five I was up another three and change today interesting huh we like to have the number some build dot com hundred million of sales last four quarters they've never made money two point seven billion dollar market cap so that when they were able to open up pretty well you never know X. P. Inc twenty seven dollar IPO two days ago opened at a thirty four to thirty seven now up three Bucks that I our sales two four six eight nine ten for a little over a billion forever twenty one billion dollar market cap of the maze go let's see thirty five it's trading at a hundred and ten times earnings all but good sales growth Brazil based company that provides securities brokerage so there's a couple but of course we ran into uber which isn't dead money right now a left pretty much dead money right now offer the seventy two hour IPO with the stock at forty six but interesting enough to a peloton twenty nine dollar deal open the twenty sex hit a low of twenty years up to thirty one and they lose a bunch of money go figure it's just about the sighting picking your poison watching pricing volume because you'll never know what what's next until it happens and you never know which one's going to be the one that goes crazy the upside regardless of valuation for making money see what pricing volume I'd like to get back to the point where we can find some decent valuation you know master card came public in two thousand and six at the price of all four box it's two hundred ninety six does have a three hundred billion dollar market cap now but they've been consistently growing their business actually double the business every three or four years because people love them credit cards and they don't pay them off every month for the paying eighteen to twenty four percent interest what a great business so we'll keep up to date but as we've told you do your homework I PO dot com there's got to be other IPO websites with a list of all watch a because ten years from now the biggest winners of the next ten years will come from IPOs today which there are by the way and a bunch from go to zero so I have one page that's complete IPO page and you'll see interesting consistency of the page right now a ton of stuff is one three Bucks because they brought out a lot of crap in the last two years eight ton of specially you're trying these names Chinese companies came out of fifteen Bucks it out to win three so you gotta watch self up next we'll take it into the weekend.

X. P. Inc
"x. p." Discussed on Biz Talk Radio

Biz Talk Radio

04:14 min | 1 year ago

"x. p." Discussed on Biz Talk Radio

"Are they opened it is thirty five I was up another three and change today interesting huh we like to have the number some build dot com hundred million of sales last four quarters they've never made money two point seven billion dollar market cap so that when they were able to open up pretty well you never know X. P. Inc twenty seven dollar I PO two days ago opened at a thirty four to thirty seven now up three box that I our sales two four six eight nine ten for a little over a billion forever twenty one billion dollar market cap of the maze go let's see thirty five it's trading at a hundred and ten times earnings but good sales growth Brazil based company that provides securities brokerage so there's a couple but of course we ran into uber which isn't dead money right now a left pretty much dead money right now office seventy two dollar IPO with the stock at forty six all but interesting enough to a peloton twenty nine dollar deal open the twenty sex hit a low of twenty years up to thirty one and they lose a bunch of money go figure it's just about the songwriting picking your poison watching pricing volume because you never know what what's next until it happens and you never know which one's going to be the one that goes crazy the upside regardless of valuation for making money see what pricing volume I'd like to get back to the point where we can find some decent valuation you know master card came public in two thousand and six at the price of all four box it's two hundred ninety six does have a three hundred billion dollar market cap now but they've been consistently growing their business actually doubled the business every three or four years because people love them credit cards and they don't pay them off every month for the paying eighteen to twenty four percent interest what a great business so we'll keep up to date but as we have told you you do your homework I PO dot com there's got to be other IPO websites with a list of all watch a because ten years from now the biggest winners of the next ten years will come from my PO so that I have no clue which there are by the way and a bunch from go to zero so I have one page that's complete IPO paging you know what's interesting consistency of the page right now a ton of stuff is to win three Bucks because they brought out a lot of crap in the last two years eight tunnels specially you're trying these games Chinese companies came out of fifteen Bucks it out to win three so you gotta watch self up next we'll take it into the weekend I can't wait this is the cold in.

Bucks X. P. Inc
"x. p." Discussed on KNST AM 790

KNST AM 790

03:53 min | 1 year ago

"x. p." Discussed on KNST AM 790

"P. mortgage and I'm sitting in for Bob Zach buyer who's off this week and I'm joined in the studio sky keys are with the X. P. realty that has gone very good so you know in the last segment we talked a bit about you know what a seller needs to do to prepare themselves for it you are get ready when they're gonna sell a house what should a buyer do you know that's a it's a great question of what should a buyer be doing to prepare themselves to buy and one question I get a lot as a lender of well I don't want to have I have a pretty cool credit poll by someone else I don't want to have my credit pulled again by you his son of a really tore will say Hey hi Jerry and and he's you know a whole lot he's great to work with and so we want you get approved with him I and you know I eight that's always a misnomer out there about having two different more mortgage lenders pulling credit will affect one's score and that's not the case it is the way credit works is if you have a few mortgage lenders pull credit really that's just a message to the bureaus and when I say bureaus transunion Experian and Equifax that you're shopping for a mortgage and yet may affected by a couple points but it's not gonna be a big number what does affect your credit score is if you know you go and apply for a mortgage today and then you go to Best Buy and apply for add to buy a computer and you get credit with Best Buy I am a car shopping can you go car shopping exactly you have these different types of credit a because that the what messages is sending to the bureaus is that you're trying to amass a lot of different types of that in a short period of time so years ago they used to have if you polled mortgage you're gonna borrow two hundred thousand and you went to three places I think you're going to borrow six hundred thousand but they fix that problem long time ago long time ago and so that is so it's important if you're you're shopping between lenders it's okay to have a few different mortgage lender credit now I say that with the cabbie out of if you've got a borderline credits or which six twenty is a borderline credit scoring one letter pulls a six twenty one yeah that's a bit risky to have another lender pull credit because it may drop it to six nineteen if you had a seven eighty credit score and another lender pulls it of seven you know seven seventy seven or you know close to that number it has no effect on your your interest rate or terms so again having a few different mortgage lenders just it can it may change a few points but nothing dramatic so that when someone is looking to buy a house Scott what recommendations do you have it for for for new buyer well one of the first things I do is find out where they're employed or whatever you want to live necessarily twenty five miles thirty five miles away from work that can you can start to get to you so start looking AT one neighborhood you like and start comparing those houses get to know the market you're going to want to buy it so when an opportunity comes up you know it's an opportunity it's a good deal because you've already been looking if you just show up you have no idea if that houses over priced under price could be a bidding war in a house with five other buyers and then after you won it and you move in and then you find out every other house down the street just sold for ten thousand less than it's a little nicer get the back yeah right so get to know your market before you start making the offers makes good sense and of course another option is you know get get approved and and.

X. P. realty Bob Zach