It's cool welcome to house plans glad you could be with us today keeping your microphone were to play how yemenis. The likes not home. The price I can't let them math because. The lights and I don't hear put the light is not with the might his own sales and so were routed he would and so. Hauser by doing this morning fantastic fantastic apple liar and a this long wage. Two thirds of us decided partake last Geithner a little Fuzzy yes. So when he threw collars long wait last night if you were there. If you were ever gonna stump the panel to date today we'll take my ecology Eddie and ask you reduce the math yeah if I think. Found a guy and you know I'll tea latte in the temple in your birthday parties are tough they are. Speaking of a master and you know asked to help drew noted Jennifer analysis thanks they would ever want to hop rock. It when it comes to math. In journeys assets away Charlie my house can't urge argument yes not sane and number rocket scientist but I'm desert guy yeah Richard best guy on the team for math and didn't actually say we're going through a injuries start to get into what was being close to understand the kind of a follow up. I asked. It's unbelievable how fast they need a fix is in lies and that we're in a letter does not numbers. Yet it's getting a little crazy. Well I'd I'd went through that probably six or eight years ago and asked that hey I'm out here that's outset. I can solve the problem. But not the way they're trying to exit. I will not especially not the way to do it nowadays and allows life I'd just have no idea announced in now Morgenstern pre calculus mark what is wrong with the show. They why did you take this team have to take it. We'll leave injury is says nowadays you know get Atari and I'm never gonna use this stuff that. My way got me or unsound if I ever today might be right there on the F I remember that day. Always tough man that's what it is that's what tutors report helps the economy did these guys we're out looking for masters at your math too and at the send any of sorry ass yeah that's right I guess I'm UB tops on the list yes he started Spanish a semester and first thing he. Gets in the car he's like Spanish is tyranny. I held Hawaii by it was speaks Spanish and I I thought he said like trump public I think that the a little guy she likes it now that he's been doing it for about two weeks now he's an anger and now he sees realize it is really not that hard and his running and he likes it saying no like magazines and yes fifth graph and don't get along way to get volleying he's got years to. We still he still heavy arms Iran and in the fifth greats examined and a that's already a strength is starting to show you related to her for nine or ten and subject to do that I want in yeah my guys your relationship counselor Dan in LA today. Yeah hot tea that's. Awan Morgan might have been mr. One album. In fifth grade there was a problem own thing and helped you know helped her do it the whole nine yards and I was absolutely 100% certain house correct. And says the he gives the paperback her morning here which one was and since mark wrong. And I'm like you go tell her to show her work out actually how much at all day and says the teacher shot screaming show Margaret don't they show your work ahead. Decided today's value back is so you're right the the key was wrong no way asked. And I'm lice just not the work in the problem I L island am answer I would say it's the yeah house slightly less. And of course you know he knows the can page yeah. Let's get. I didn't take each. It's a job. Pat and he's a Lowell looked OK yesterday that he is definitely better than the contagion tell me exactly where it says. Now only cash so what's happened and and real estate market key. Is still fighting a flat open right now. It is a Maine JD say kind of I try to start to tell me blow and blow and blow and blow a lot of people were looking in now a lot of people are inventories is a real challenge is just terrible it is no inventory and now if the upper into the market. It's there yeah. But you know the number transactions that the upper into the market that's not where all the outlets say this is a lot of first time homebuyers yep yeah and the million meals are gonna draft the market this year yeah. Yeah they will say well I mean several of the Oracle's you have brought in were talking about that I'm. We don't get into that a little bit on the backside of this first break in the course if you've got a question about buying selling anything to do in real estate we do have the text line open today you can hit us at 71 and 307 that 71 through seven. Be pretty easy this compass today were a little Fuzzy yes but given a shot 713 or seven on the tax on you give mr. ringing at 866. For 147553. Mean a key demand manuals are going to be a bigger part of the market in the baby boomers are ever war. Well there are larger group that's correct yup and of course they lived through a time when property values did go down so they have a little bit of a different perspective. About united it's not always gonna arrives for a you talk about that on the backside a break and you've got a question about buying real estate give us a ring 866442. 7553. Year hit us on the text at seven point 307. Welcome back you're listened to you house plans JD Nelson and Chris Roberts here from Kelly bang mortgage Keith Clark here. With the buyer's broker we are taking your text and phone calls in fact we encourage it to. 8664147553. S 866. For four to 7553. Of course it takes on as open as seven went three or seven. We had some great text questions last week sort of we we can get some good ones again and so round. During the first segment in their real estate. It was a family at this. I realize my it's been awhile since relatively and it went over there earlier investors that they care they gave me a day you know right so. So millennial psychology a uliassi buyer's broker terminology for 2017. And they're out there about the Dana from the blast is basically. There's no meritorious grab it really you know what do we do what they we compromise on what we won't do we be patient. Do we. To save a little more about little larger than we should door herb. Now we can this so you know that's a good discussion we ask for what what this what we're hearing the conversation anywhere near the Talking Heads are. Are saying is that they're willing to compromise. Yeah can sell them they may not fat and they may have to look like they've been looking for a wow a lot. But people aren't an hour got a first time home buying client both professionals. And they've been patiently waiting I would say for. Three and a half for four months salary and no. Question there are ways it Dion is in the cause they can't find what they Walt are they to peaking. And also relishes her living on the challenges of a first time home buyer if you if you're working with them correctly if you're going through the process correctly. Is helping them have great confidence in their goals and objectives rice when your feet never bought a house before them who they and you have to have a clear vision of what it is you wanna accomplish. And in that alone takes a little bit attempts that you can do it in dolphins who. But at this it takes the client a little bit at time to have that clear vision you know so that when that property comes along they can pull it. And Keith where you come out as identifying your. Goals and objectives that you really know what's important also scenario for China. That trend has consolidated to make sure that both parties if you got a cup that's ride that both of them are on the same page. And and same thing goes you know we view JD they need to make sure that their pre qualified says there's no lack confidence in him alone is going to be okay. You got him more about our referrals now from current clients kids. I get a lot of combined. My clients their kids to start the bodies of the millennial genome I bet I had three meetings this week with current. From what I call me in my database and I their children coming in and talking to me about buying their first room in and that sort of thing. In is very interesting of course Chris being both have been millennial kids cheer and they you know it just seems to me. That it is almost like an unrealistic expectation of the house you know Portugal fire and I act I wanna say and you know cited in the morning everything just perfect but it's just not quite near you know I'm not. To I was very bright statement sure you know just things well. I mean I get that I hunter I get that a 100% you know both on both sides of it I mean. I had a loan officer this week that was struggling with the millennial and how to you know how to talk to the millennium communicate. And the conversation was about I wanna buy a house. And I'm not paying more than 400 dollars a month she's not going to happen so it was this was in it was in a rural area sort of debt that was feasible. But there's a conversation went too well. You know I can't guarantee you 400 dollars a month because your taxes and insurance you're gonna change ranked and the only real sit alone I'm not doing man. A 400 is all I'm pay an asset. There was there was a long conversation in the got frustrated right millennial bid because they didn't understand that. You know the county. Is gonna change this 6810 years from now when you're gonna make more money in the carrier crying but of course your insurance could change so there was a lot of education going on. Quite frankly that the loss it was a little frustrating because. You know when you do it every day look you know it's just like how could you not know this but I mean there's a lot of education sometimes that goes on with them. Just the lie the conversation about world. You know if the water heater breaks. You seem to pay for the lottery. Now you can get home warranty and there's things you can do try to protect yourself. But let's think about that too and if your budget box that this was on a small town rural area but if your budget is so tight that that for a tooth too much. And then maybe buying unit is not a terror is nothing I'd never discourage anybody that would at least. You felt obligated to have that conversation that man things Bob and weave yeah you know especially when you loans he got to think about it. You know what comes to my mind when you're talking about is that kind of that sound idealistic. Approach to things that you have when you're a young person and am in now that we went through. A dramatic downturn in in a dramatic uptick. There's a different view of real estate and there was. In 2002000. Between 2002000. And fat. Smoothly things have changed dramatically. Yeah he Eric being able to connect with the millenniums. You know PF to do that 160. Characters or less. Right yes that's. Yeah I IA I actually read some stuff about that this week Keith and they really. You know if it was a survey SL and softer line. 32%. Of them said look if my phone. Could not take a phone call and be okay with he's alone. As I could communicate by you know I am using text. And in had access to mine maps. If I couldn't take a phone call or or order send a phone call I'd be just fine yes you know I thought that was a huge number over thirty per. Love those kind of crazy it's crazy but did I do agree with that of course that makes it kind of difficult sometimes. And I know you've talked about this in the past AD and the challenge of trying to pre calls somebody the most popular 140 characters who have. Right in in the pre qualification is not too bad you know she's nine commitment is is is reaching the goals and objectives in knowing. Doing this long enough for you know OK look we can do Arabian Sea we can do it. Yet through email and get a web SI in all I kind of stuff you know we can do all that. But I am worried about. X winds age. You know or maybe even before that maybe the letters and milk cows you know I know there's going to be some issues have come or or you're gonna have questions are things that we need to talk about. You know face to face before we didn't rolling down their record sure that when it does come out you know frustrated that's trying to or. Or that you knows that. You do have to make a decision about your insurance about how big the deductibles going to be. And here's three people we should talk to or somebody you should talk to about getting your insurance or here's how this process is gonna work sometimes. It's hard to explain that stuff when you're not face to face in the end. And quite frankly a lot of the research and stuff that you found on line and sometimes not all that right about the lines the way it works because what happens is they never tell you about Al wires right they never tell you about the the chandelier. The end moved to the dishwasher. Being taken they never tell you about oh wait the neighbors stance. Yes and oh yeah about battle line they talk about hey we don't do ABC. And you don't go down this list in this is how is gonna work and I don't know that we've ever done you need real estate transaction. And have since I always say always always attorneys get a come at some point trains and you just minor right. May be a middle initial which are real I would have won this week with a guide to middle initial yeah it's are you trying to figure how do you want title. You know and he's like I don't care what we here's why you need to cared enough about this. And but there's always something in areas meanest there's too many moving parts not to have a wrinkle at some point. You know and I used to tell a fight I tell my clients once we pass or rank Ellison okay. That was Erica. He I can analyze it for real nowadays are so good now yet that's exactly right senate. You know essentially Obama. I'm a systems yet and I have a system for that yeah pain and winner when I start the process I start with a this is what you can expect email. And then they add that the face to face meeting I got through it individually unless this item by item. But you're exactly right what he wont to do any surprises are what create challenges in trying if there are no surprises. Which surprises sometimes are really negative as I. I'm struck out yeah. We'll listen if you got a question about buying selling anything to do there illustrate do you give us a call this one and 866. For 147553. Units for 1475. Feet three. Can choose to text over to 71307. That seven. War in 307 we'd love to I hear from me Keith retirement a million meals a little bit earlier and kind of bled over a little bit too kind of conversation because a lot of times they like to what do they Colin Lockett and leave it. And kind of crazy what's going toned down pain known. And Condo prices just some some you said there were far have. Apartment. Just two straight apartment projects going on down there or something like. Together there for five of apartment to a complex has come and homeland I guess probably over the next. Many days. In the downtown market and the condom. A market has just skyrocketed in pricing for the right guarantee really earned all of 200216. And now we're starting to get some compare mold I don't. It actually confirms. Our supports. That new level of pricing him and 350 dollar square foot range downtown. Yale will we were talking a little bit about in particular about river place and you know that's a well established in their for awhile and at the in the middle of all the turbulence. You could buy a twelve or fifteen underscored for unit down there for about a 150000. Dollars. And in the end when we looked at it I mean we had JD and I had people say hey take this promise yeah you know this is in 2000. TN maybe ES supply and I guess in 2013. Fourteen Ers. You could. By a union in the air for 275. And and now. Some of those are for. Hundred right Mo more than 400 yes so does the market down there is has it's turned as understatement and particularly the last. Eighteen months downtown had very costly wars hitting his become. It for me it's a conversation. And this is the new level of pricing. And the differential between the suburbs in the downtown. You know what point does that different does the market not absorb that downtown product sure because the differential. Of the suburban pricing is so much live picture so if you look at it on paper then if I can draft when he managed and pained by the same product. And a dramatically lower price sure then there consumer will make that you. Voice waited some of the sub version like per day. In area Edinburgh today in that whole area there out I have been a drop by half years last night I mean assemble these hot what is going on Ethier and there where they were getting rid of tearing trees downed. Journey as a whole another life another subdivision Gatorade a builder and I don't know if those commercial what it one of the section yanish crazy. It's not open everywhere in similar to I declining from at a town last week and we had that conversation. And hand their their comment was. Have a question to me was do you think all this rapid growth is gonna be detrimental to the market at large. And I'll be honest with you I'd just say yes I really am not yet and they found that India in terms of our quality of life. This dramatic because it was dramatic last year yeah 2016 there was so much growth both in the commercial. In residential real steady market record year in terms of number transactions. Appreciation was properly record over read it again gas so. Com what is that gonna date to the market in the long term and maybe not so much the market in terms of how the market functions the real estate market functions but I think the bigger question is quality of life. Nobody says little green pulling more you know I think. This day is different yeah absolutely we you know when I was looking at some of the numbers you have provided I was doing a presentation this week about it. And I looked back in I guess it was 2011. Think there was like eight. Thousand. Units for sale. And probably would have been ten to twelve months of inventory because of the number of sales during. That that period you know right right before it turned. And then I know forty you have 4000. Maybe fourth hour I unit exhale. And your shell and a thousand a month seeking four months to listen I want to correct and so it's it that's why the market is so tight. And then of course which you talk about this on the backside of the break the JD and you had a two or three clients this week that that are tired of the impatiently come about construction. Yeah yeah lot of construction going on and people are fun and fun in dirt wherever they can find and just decide the bill and I mean there's a lot of angle known for sure as a journalist anyway Melissa we're gonna head into our bottom of the hour break we would love some phone calls. Give a serene 866. For four to 7553. S 866. For sports news 7553. It takes run as open as well. 713. Or seven if you got a question about buying selling anything to do with real estate. You're listening to you house plans will be back right after this. It. Welcome back you're listened houseplants JD Chris Kelly may mortgage Keith Clark here with the buyer's broker we appreciate our listeners. Textures and tone callers we'd love to hear from you today 86644278553. This 866. For four to seventy fast 53 of course it takes line is open as well as 71307. So give us say text or phone call again tech signed 713 or seven we'd love to. Hear from you this morning and dom had a discussion about millennial in the real estate market and what's going on and there's you think the recent fundamental changes and in in Buenos transaction we'll have yet what we were talk. About off the air is say in my opinion this is so the traditional real state to a transaction has been terrible for a long time now so. We do it the same way similar ways improved systems that make improved technology. That basically he's very similar. In terms of how we cooperate with each gather and the steps in the process but I think you're gonna see some. Disruption this year from. It out outside money you know investment money that venture capital capital. And and some changes in the paint some of them. New real estate models to come online rank him what are what's happening around the countries were worth seeing real estate companies. I'm buying houses from seller's end and re market them themselves. Right now there's always been a segment of that. In terms of guaranteed by now so if you're listing a property unit than selling sixty days will buy it for X. But XEG usually not fair market value her Third World ideas modest point rack so yeah he's actually a benefit but to. But we're seeing more and more. Innovation. Ian held the real estate transaction is done. That the wave of innovation that we saw over the last ten years of course has been. I'm flashy marketing. Fee for service market share more aegis taken she's certain elements of service that you want from a a particular. Real state company right but I think this year we're gonna see some some bigger. Disruption some big big ideas coming to the end and what makes you think. That is the fact that the recovery is occurred not everywhere but almost everywhere and so now. Is that time for that happened yeah I think venture capital is flowing into the industry. You know I'm in a way that it has an in the past movements say you're here saying. Technology companies. Getting into the industry themselves absolutely and so who I expected and an app I don't have a crystal ball actually. This information is an Ambien. These concepts are being done in some of the largest larger market right insists were a medium SaaS market. We won't see this that disruption in the short term it's more likely to be here 234 years from now. I got to listen if you got a question about buying selling you anything you do is there a mistake of answering this morning and 866. For 147553. That's 86644278553. Are you can choose to text ever to 71 and 307 that 713 is semi we'd love to hear for me this morning. You know a key thing it it has been rather busy. And have you had any of your clients. Start leaning. Toward the construction path. Yes. Yes and then oh just can't I want a long way Ireland and the inventories to send short. Yeah I am and you know new construction is always an option and now they were saying. The production builders are in full almost full blown. Yet they got to go 10 yeah yeah I mean there or they're wide open and they've become less scared of spec houses so we're start missy. You know enough came in Torre that you have some choices I was in a neighborhood last week. To a bigger smaller neighbor a random to 75 to 370 fat and how about number houses in the neighborhood well there were the first phase was sixty. Then the next phase is going to be 220 lots coming on line okay suits a fairly Big Ten and they had four spec houses there were various stages of construction. Mail that. There would have been more I mean there are cutting get the number of homes under contract should've asked him but but the four spec houses and they have gone. It was a little skinny for them because they're wide open. Maintaining any senior yeah production Helm today is about six months now right yeah so. There was a 10 am I mean as three years ago you couldn't it would have been delivered and 12230. Or forty dice. Now your 182. 210 days out. And that's just simply because of volume together their. Covered are Yemeni availability of trade to get it done and yes. Yes yeah and of course you know JD when it comes to get a construction loan with a whole different lists questions. No it is it is you know easily there you know scenes most of people he very rear well I'm gonna say I don't see in the it's rare that you see a first time home buyer bailed out we'll say Dan most of the time it's people that are either moving up. Moving day owned you know moving to a different location. And you know it it is you get he had the cash equation that's always that. The first question your how much money he had to put into the deal a culture that's one of the driving forces of financing especially on the Castro well and. And you know if you're gonna get a eight. Construction loan yourself you know we're not talking about what he's talking about where they respects and Ryan go out and say hey wanna I wanna do this this in this which. I guess you would call it somewhat semi custom where you can pick out certain things. In those situations. The builder is generally carrying that loan. And in their carrying the interest rate risk and all that's life you know and you're just gonna buy it from them when it's finished in two years to your liking. But if you do a traditional construction loan. You know it's it's all about the cost to construct what is it what is the the lie. What is the the house gonna cost and how is Alba and emerging and and of course you can't do that without having some money in the deal. Yeah now will say this so the most of the deal builders now. I had they have a semi custom type deal that that we're working on nail. And you and they haven't even broke ground on the Hal Shiite. And the builder was really requiring a commitment letter from us right on before they would they would be a start breaking ground and they really wanted to make sure the financing was in place sure. And yeah of course you have. Sitting from. I'm not cheer my clogging the commitment letter mean pre qualification may or may have looked at tax returns faced Arabs. All I can stuff but you know it's not worth papers written on the view for the most part because. I ain't it the problem is Leo what happens if he loses his job or what happened here what happens if he spends too much money here what happens is to whom does an appraiser. Yeah I mean what what you have to do as you do have to use a crystal ball Q yes we have to you right come and we have to borrow that crystal ball uses them. And we basically say hey based on what we know today it you're good all things remain the same. You're good that's really I think that's what and when we say commitment letter S what we're talking about your Aaron and you have a six months is a long time coming a lot of things can happen and you know it sounds you have for the most part you have I would say nine and point 9% you know work out it's absolutely but down yet there's always that point 1% and always think about. Yeah there is a little more risk or managing Keith when you're talking to your client about maybe even into the construction where they do and you know bind their own lines do in the construction themselves that there's a little more risk and that there's a will there's certainly a lot more time in math and so. It's it's it's a whole another conversation about goals and objectives and in how the whole process. And yeah dad and that that's a completely different transaction today and of course. Really you. Most of the new construction is dominated by production builders up to about. Gosh 420. Forever yeah Tanzania and even in some places 500 or more and they do a pretty good job I'm doing pretty good job let you can back. You can time. A a production home all break you know 4000 square feet pay 500000 dollars for it. And. I say you know I'll say that the production builders. They have improved their systems and processes so much in the last ten years to me knowing him as it's amazing I mean they've really got to announces two and are now two different business it is this it's great that allied to you know I think it's I think it's really gets out. It was very predictable yet are still in decline yesterday when I get into production home business once the contract is signed and they start moving forward. They consider me a nuisance a pack a hot. I've. Because this is their system in this is how they're gonna do it yeah and if you wanna change that that your. Or in the wrong I'm flights yeah that's not something there won't right. Yes Melissa we're gonna head into our final break of the day we do need some questions calls comments give us a shout at 866442. 7553. And of course she has to text Evers 701 and 307 that 713 or seventy. Fearless and house plans christened JD from county bank mortgage in the house Keith Clark. From the buyers breaker shooters detect 71307. We'll be right back after this. Welcome back to us and house plans JD in Christian county main mortgage keys here with the buyer's broker we appreciate our. Textures and phone calls we got both going right now. And you've got a question or comment give us rainy 664427. 553. The text line is open as well as seven point 307 we're gonna get a phone lines first. And then we'll get to our text question we get James on the line from primo. Hey James how are you. It I get James going to end. Year ago that was let's go to your. Conversation I'll have brought up the inventory at the destruction of aid. Then and my question may be. More keeping intimate and talk about these production builders that are that are really going gangbusters and so. Here are. Market here in upstate yeah. But I keep hearing that the inventory issues still so low. And and so what is the rhetoric how many years you don't take to catch up and really get back. You know unhealthy level in the. Well until until the market turns the other way but I. But I'd take Keith a lot of that we talked about this probably two years ago. We spent a lot of our time talking about lots. Dirt right A and the and how it was not happening says. I think James brings up the good point so if these products are builders are are in and hot no national. But there was still that lag. Of giving back into that you are really trust the recovery you know in 20122003. Saint. Two are really trust. The recovery is it really here. And and then there was the lack of of of cash to do a ND. We G I mean that's what's that's why it's not column. Right and it is the short answer to James question is is. James you know last year I would've said that we would get some relief this year on Ayman Torre says there's approximately 4000. Active listings and it. That that equilibrium and are marketed the current level of activity analysts say a thousand. Transactions a month and 6000 listings a month that would probably be. Equilibrium between the buyer and the seller. I would have expected us to see some. Payment Torre relief this year. But right now park question that because it looks like we will maintain that 121000. Or more. A number of transactions in 2017. It's almost like it's best that they built herself up about catching up Burt. Had no idea you're out there as you're absolutely right exactly what's happening right now. And it's always because of that lag in the market there was the lag. Waiting on the confidence and in the market turned. Before the banks and everybody oh I don't got back on board and of course now I think the the the production builders key to your point to build in the span. The McCain and they are they they just he's dale and they still don't have got to see her car finance. Did they would have a hand in 2003. Foreign fast yeah so the day and it's three foreign found. There you could go on any given day in there would be. In a neighborhood of let's say they had a section opened with sixty lots there might be is mania as fast six or seven spec houses to cheese from. They have varying levels of construction chair and today we just you just don't see that in part of that. You know begins with the banks the banks are still not gone there and I'm gonna lay out five million dollars foray. You know 300. Unit neighborhood. Like they would have been in 20032000. Half or even a little bit earlier how to school and predict now that'll catch him when the market term. In that's a way it is it's always gonna lack. We will be sitting here 23 years from now I hope that won't. And will say gosh we got we got ten months of inventory it might be five years from now but yeah. Will will get back to where we had an it will swing you know he's does the question this week yeah. Less like aged very bullish gains appreciate that phone call they have very army or are you Jimmy thank. Well listen we got a text question to. I thought this is pretty caution when the sixers Clark softball question right here was bright yellow softball so. Go hey Chris it says if you're looking to downsize. Would you typically buy your new home first or so your current home first. And this is from breaks so stating give me the mortgage side of that. But what are you thinking well do you think we always start with goals and objectives are right what am I trying to accomplish. What are the cost associated with. With and waiting and waiting and or accelerating the process. How much. How many challenges for my own personal. Inconvenience. Am I willing to pay for now I'm you know I'm going through that that process self right your young. And and we went in and week we have our destination home right and it if timing works out. Then it will be good if for some reason my existing home stays on the market for six months then it could cost me. Bath two miles well let's put human Rick's position if he did not already have the destination now ranked sale first. Before you borrow or would you you know would you deny an and so I would purchasing pain and so late sell later. Mail ordered the risk lost so you today's market thank you for sheer. What are the risks we know that the market is strong. I'm going to be I expect my house to be on the market less than thirty day age. Now that's the flaw in that conversation is the do you know the market conditions where your home is. Dina had against your home always thinking JD and river walk Winamp heating your home ready for sale sure you know we're you gonna talk pain in my case. I'm spin and about 25000. Dollars to make sure that is high rated related trade so that means 5500. Paint. 5500 for appliances. 5500 for Graham it. 3004. Fixtures. To eliminate all Dobson and all hinges knobs hardware that you're saying there is place in so bad now if I can. I thought it appears ahead if they most Indiana it's going to be a great house. And prayed to sell Alibaba. Yeah and I think I think that's it that's always a great conversation and over the years we've gotten those questions about what to do what do and I what you have to have the recent now right Chris yeah absolutely and of course JGB anyway talking about well for western from the mortgage side is it's it's man. It's Matthew got to make sure number whiny Alan here's what I always think. No one yet to make sure you call sock. OK so called bug stuff came you came you about a new without selling your old an enemy just dinner out here are you also got to make sure if you do decide to show before you back. Make sure he qualified to back. Yes because yeah we've had you can sell and not qualified about it and not know it and then you tell somebody that antibodies are like that happened but Tom yet another thing too is as you've got to structure their next mortgage. In a way okay let's say you're gonna go ahead and back. You know you gonna put money they only gonna do this and then the other. You know they don't do bridge loans for a 100% equity Uganda house for re nice price so you've got a stretcher then you balloon. Anticipating what you're gonna sell your current home for. And be able to get the new mortgage in structure that a way that to meet your long term goals and objectives. Yes you're gonna clear the a 100000 on the on the house you're selling how are you gonna structure that next mortgage Jeanette in use a 100000 the way you sure you've seen and ever signed comes in man managed recasting the long yes you know right or sink campaign and I these I got this cash. I wanna put it down to Israel cast as he has PM on the lamb could you know you know I mean there's a lot of different variables there so. Well you know one of the things that we've done over the years when it comes to that kind of thing is is it is it is it really is math but it's also. Like you said JD where he won a wind up that the Ian looks OK and says. In a situation like that was say that you do have that 100000 dollars in equity in your downsize and any choose to buy nail. Okay verses. Waiting. And a course when you do that. You come around you may you may structure that first loan is hey. I'm gonna do a fifty LTV on first in the among the second for when I'm gonna may yet. Out of my current home and just pay that playing golf when when Tom rolls around. You may choose to get a we've had people cheese in those situations to get a first mortgage any luck yet where they say hey I wanna get out. Oranges get home equity line of credit first mortgage. And then that way I can put the money on when I won't how long yeah. And then of course you know key like you said you got a plan for you know reserves at PO money on the house mail. You know let's make sure wouldn't cover both payments and and probably for twice as long as you think it says that she says that you don't. That's a worst case scenario has look at tennis media figure out with a risky yep well you know that first mortgage equity line is not dumb not the worst thing in the world that. You know especially on short term basis if you are legal so your room. Pretty quick and it's easy to pay a day on it's easy to refinance a thing you know after that and sometimes you don't have the equity line Islamist closing costs now. Get the variable rate feature that you have to do you intend will feature which is not an ideal situation in today's market but he has not bad that play. Absolutely we dig in another case but it was somebody just being nice to we're running yeah absolutely it says they don't have a question that they enjoy listening to the show to and so. On that was very nice certainly appreciate any of the twelve years and if correct it is it is the beginning of the twins and my wife loves it as much today she did that in the star and actress it's like hotcakes and radios and Andrea Andrea Ginny and Harry variety when she does he have a high standard we review for what I. I have. I got enough problems. I but I was you know when my taste right now that I got my son takes the US for breakfast and I got Jennifer takes me years where I want for breakfast. And there SA and else regarding getting out can I say what may be arguing he brought me breakfast about that are getting human. This week or get a keys to have we were all sit down there. And Morgan actually keys being injured in that takes thing about her instead of talking now I it's and I like that's not how roll yeah. Yeah off. A knot go takes them by is that right decide whether in the same building on the why don't you start to each other the unions will probably are there texting yeah exactly. Well I tea. Another interesting show and what I would tell the listeners is is this. If if one thing that we found out this week and happened on two separate occasions and the real stations may get mad at me for saying this but. You should consider getting a second opinion even when a real estate agent refers you to somebody. And though we had two situations this week where people were getting government loans USDA loans. An FHA loan. Where are price and fees were considerably less than what they had been given and they they literally yes heard on the radio about get a second opinion column about a second opinion now one of the deals we're gonna do the other deal were not because they decided to stay where they are. But please please. If you're even if you're purchasing. Get a second opinion because the one that the one that we're gonna do we're gonna say because her about 4000 dollars in fees and a quarter and ray laughed. And so you know it is there's so there's a wide variety of prices out there so make she only did a JD you're on your email selling and to get asked. JDS AS KJB at county bank mortgage dot com would love to hear formulas get their second opinion drilling and well listen we appreciate our listeners techsters in phone calls even listen NC house plans dating Chris from Kelly bank keys with the buyer's broker. Will be back next week here on should do.