Hello everyone and Welcome to another

episode of Selling Greenville your

favorite real estate podcast here in

Greenville, South Carolina, I'm your host

as always Stan Mccune I am a realtor

here in Greenville and this is how I

make my money so you can find all my

contact information in the show notes if

you need a realtor in the Greenville

area and just a reminder is always

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like I said my contact information is in

the show notes all right I want to talk

about some random fourth-quarter

thoughts we've talked a lot about how

real estate is seasonal a lot of

businesses are almost all businesses

are

seasonal real estate is very

predictably seasonal and typically once

we get into the fourth quarter of the

Year October November December that's

when we really start to see a major

slowdown for the Year this is

particularly true the second half of

that fourth quarter right when retail

sales take off from Black Friday on for

the holidays that's when Real Estate

Sales really slow down but for me

usually I start to see things really

start to slow down in November and to me

even though this isn't accurate from the

standpoint of actual quarters for

me kind of the fourth quarter is more

November to January if that makes any

sense that it doesn't make sense

again from the standpoint of a calendar

that's not how we consider a quarter

from a business year standpoint but

from the standpoint of the slowest

three-month stretch of the year that

November through January stretch is

traditionally the slowest stretch of the

year for Real Estate

and so I just want to kind of just talk

about what I am seeing what I'm feeling

anecdotally we're not going to talk

about a ton of data here if you guys

like the data last week's episode got

into a ton of data and we do plenty

of that but I'm just talking about what

I'm thinking what I'm seeing what I'm

feeling sometimes there is and

usually there's a lot of value in just

anecdotal data I've learned I've learned

that over the years you've got to mix

the hard data that we get from GG

the greater Greenville Association

Realtors from the South Carolina

Association realtor from Zillow Fanny

May Freddy Mac the FED all of these

things we've got to mix all of those

together with anecdotal data as well

because all of those together kind of

paint the full

picture so I just want to start on a

macrolevel here and just kind of zoom

out for a second okay to use a bunch of

a bunch of business lingo there macro

level zoom out I don't know I

should I should come up with some

others we don't want to miss the forest

for the trees a bunch of I could just

start rattling off business lingo if I

really wanted to but to zoom

out we've seen mortgage rates in a

year go from the low fives roughly

speaking which is what they were a

little more than a year ago to now the

high sevens they've even I'm recording

this on October 23rd they've even

crested on average and if you want to

know where these numbers come from it's

mortgage News Daily they have crested

into the low eights from time to time

now as I'm recording this right now

mortgage rates are sitting at

7.91 per mortgage News Daily after

briefly going again above 8% today

regardless we're talking about almost a

a difference of 5% to 8% that's a

huge difference okay and it's had a

massive impact on buyer behavior let's

make no mistake about this massive

impact on buyer behavior and here's why

let's talk about a $300,000 mortgage

okay if you take a $300,000 mortgage

don't worry about principal and interest

right because though

sorry don't worry about taxes and

insurance actually I'm I'm reading off

of notes and I actually said not

including principal and interest which

is the exact opposite that I meant to

write down here and somehow in all of my

proving my notes I didn't catch that for

a $300,000 mortgage if you only look at

principal and interest don't look at

taxes and insurance the monthly payment

with a 5% mortgage rate on a 30-year

Mortgage would be 1,600 $10 a month okay

again not including taxes and

insurance now keep everything the same

but bump up the mortgage rate up to 8%

and that number balloons to

$2,201 per month basically a 40%

increase okay in one year a 40% roughly

a 40% increase now and that's not even

taking into account that home price have

gone up almost 2% year-on-year so not

good not good at all from an

affordability standpoint and if you'll

remember that back during the crazy

times of 2021 2022 we had home prices

going up 15 to 20% per year and people

were losing their minds home prices

affordability is being Whitted away home

prices are way too high

well guess what 15 to 20% increase a

year is much less than a 40% increase in

one year which is what people's monthly

payments have experienced the past year

right just because it's not fair to only

look at the purchase price and the

averages when it comes to sales prices

at the end of the day affordability is

what it costs for most people per month

obviously there's a lot of cash buyers

out there cash buyers are impacted more

by the purchase price than than the

monthly payment they don't have monthly

payments but that 40% increase year

on-year in monthly payments is a much

greater increase than we have ever seen

I think pretty much ever I mean there

there's a lot of different data that we

can look at to try to reverse engineer

you

know how affordability has

deteriorated quickly at other times but

I've read from multiple sources this

is the quickest that we've seen

affordability deteriorate really in

history and particularly if you go back

to 2020 from 2020 to now has really

seen that in Greenville and just on a

nationwide

scale now the good news is that with

these mortgage rates being higher that's

had a huge impact on demand obviously

buyer demand is way down from what it

was during the pandemic even it's

it's starting to go down I mean

really we're at lows that we haven't

seen even before the pandemic and so

and and mortgage applications are are

down to lows that I think we haven't

seen since like the 9s there's all sorts

of indicators that demand is is way down

and so this has caused home price

appreciation to slow down down again as

we've talked about in other episodes

listen to last week's episode we're

seeing home price appreciation around

between zero and 2% year on year roughly

speaking so we can say kind of like 1%

is kind of on average what we've been

seeing most months as the data has

rolled in so that is a bit of a

positive right if we had home prices

storing while mortgage rates were also

storing we'd really be in trouble but

remember home prices soared a couple of

years ago and so we already kind of

experienced that and here we are now

with those home prices staying

where they're at going up ever so

slightly but mortgage rates skyrocketing

over the past 12

months but we'd be in real big

Trouble if home prices were

continuing to go up anywhere near the

clip that they had been proud to these

mortgage rates going higher so at least

we have that and for those willing to

buy now and refinance later assuming

rates go down the odds are that prices

will never be lower than they will

be for the next 3 to four months I'm not

saying that they will for sure I'm not

saying it's a fact that they'll never be

lower then than they will be the next 3

to four months I'm just saying the odds

are most likely home prices are only

going to go up from here and and I again

I'm not focusing on data but there's a

lot of data behind that assumption and a

lot of people that agree with me on that

most experts would agree with me on that

and it's only the doomers online that

use all these charts without any

context that believe the home prices are

going to drop off by 20 or 30% they

don't know what they're talking about

and and I rest my case there we've

talked about the doomers before I'm not

going to get into detail on them or

make arguments against them at this

point and let me just say this okay there

might be a crowd out there that says

well what if rates don't go down and we

don't have the opportunity to refinance

and of course that is also a

possibility we all think that rates at

some point will go down even the FED has

said that they think that rates will go

down so it seems like that's going to

happen at some point but we can't say

for sure and the FED has said rates

aren't going down anytime soon so

what if they never go down what if just

for the rest of our lives they're in

this low High seven low eight range

or or maybe higher well I'm not

really sure what that's an argument for

right if rates don't go down and home

prices continue to go up as it appears

that they will then it's still cheaper

to buy today than it will be next year

like it's it's just it's really simple

math and what happens is the market

normalizes the market stabilizes it

figures out what to do people figure out

you know at some point they have to make

a purchase right regardless of rates at

some point these people sitting on these

3% rates are going to be like all

right i' I've got to go ahead and and

bite the bullet and and you know buy a

home at a seven seven whatever 7 point

whatever percent

to do that

but that

what happens when that happens then is

that home prices continue to go up

because demand has because demand

stabilizes that's all that I'm saying I

if whether rates go up or rates go down

the overwhelming odds are that it's

better and cheaper to buy now than next

year okay now here's the thing that's

happened the past several years we'll

come back to that about buying Now

versus later thing but here's the

thing that's that's happened the past

several years okay particularly the past

year and a half to two years but even

going back to 2020 when we've been in

this inventory environment right

which we've been in since the pandemic

Builders have been able to produce their

own new inventory it's like printing

money right Builders are able to to

essentially print their own money

because they can build their own houses

in a period of time when there are not

very many homes for sale and remember

they a lot of these developments they

started building when the cost of

building was much higher right remember

we had all the supply shortages and

lumber prices were so high and window

prices were so high and siding prices

were so high everything was super high

well most of those have again

normalized stabilized and and so now

Builders the past year have been in

great shape because all these

developments that they started that were

basically their their margins were razor

thin their margins were simply going up

because they were able to keep selling

Homes at the prices that they had been

selling at but the cost for building was

was way lower now it does depend I

I'm not ignorant of the fact that a lot

of Builders pre-purchase their

materials so this might not apply to

every Community right A lot of these

communities they purchase materials in

bulk and they might have purchased them

at all of them at the higher numbers so

it really depends from one Community to

the next whether they're actually

benefiting from the lower cost of

materials now but

regardless Builders have been kicking

everyone's butt recently that

particularly the past few years because

they've been able to ride their own

inventory and then very nimbly as soon

as these rates started to get high

they they introduced all of these

Builder incentives to be able to allow

buyers to buy down their rate and

this is really incredible I've

actually seen this isn't in Greenville

but I've seen in some parts of the

country there are builders that are

offering if you use their lender perhaps

their title company or closing attorney

offering rates in the fours okay in

Greenville we have several Builders

offering a lot of rate incentives right

now probably the best one that I've seen

is drb Builders they are offering in

some communities a 30-year

5.75% rate with a one-year buy down for

that first year at

4.75% now you have to use their lender

but listen it's really hard to to

beat that number with another lender

that's just the reality of the

situation so Builders have been able to

really dominate in this market because

they're they're providing inventory in a

low inventory environment and they're

providing lower rates in a high rate

environment and in this High rate

environment it's really important for

sellers to start to think like Builders

I've alluded to this in other episodes

but I'm going to talk about it here

again if you're selling in this market

you need to be prepared to get creative

and actually really the most important

thing is to listen to the market listen

to feedback listen to what people are

saying or not saying or not doing right

if you list a house that doesn't get any

showings your house is

overpriced okay if you list a house

you're getting a lot of showings but no

offers then your house for some reason

is non-competitive with other homes on

the market whether maybe it's not in

good enough condition maybe the floor

plan is not as good as some of the other

homes in the market who knows I had a

house that I flipped

recently that was challenging to

price

because it was substantially larger than

most homes in the neighborhood that it

was located in and it was a bit of a

dart throw for me to price the home

at and honestly a lot of homes right now

are a bit of a dart throw to price

because of just we don't know what the

Market's doing but where I ended up

pricing it at we got a ton of showings

but no offers for a long time and the

biggest complaint I kept getting from

people was they didn't like the

downstairs flooring that was like the

one thing in this house that I hadn't

replaced and so I let it stay on the

market for a while because again we were

getting a ton of showings and you know

the the adage that's very accurate is

all it takes is one person to love

the house to need the house right in

that moment and sometimes when you're

selling you're just waiting for that

buyer to come online in this case I got

tired of waiting I was listening to the

market everyone was complaining about

the flooring and on top of

everything else while this was happening

rates went up a lot right rates have

gone up a lot the past couple of months

and so I had to make a decision do I sit

on this property and hope the right

buyer comes along during the slowest

time of the year right the fourth

quarter or do I go on offense and do

everything I can to move the property

even if it means not making as much

money I went with a ladder approach not

knowing what the future holds right we

don't know where these rates are going

to are going to settle in at we don't

know what this fourth quarter is going

to be like so what I did was I took

this home that I flipped off the market

I went ahead I replaced the downstairs

flooring I raised the list price by

$55,000 to account for the flooring that

I had just replaced but then when I

relisted it I offered buyers $10,000

towards a right buy down and I made that

a big part of my marketing okay I had

all sorts of details in the listing I'm

offering a huge amount of money like

that number really stands out people see

$10,000 they're like oh wow okay I can

do a lot with $10,000 right I can

probably buy this rate way down um and

so that's what I did and guess what it

worked I got the home under contract

almost right away and in hindsight I

almost wonder if the rate buy down was

all I needed maybe I didn't need to

replace the flooring I'm not sure but in

real estate you can't ever second guess

yourself

you keep moving and keep looking for the

next opportunity that's what I'm doing I

haven't closed on that house yet but

we're under contract and we should be

closing here in the next in the next

few weeks and so here's at the end of

the day the crazy part about this it was

as I've already alluded to it was all

marketing any buyer can make an offer on

any home and ask for a seller to pay for

a rate buy down just because a home is

on the market isn't advertising and a

seller is willing to do that that

doesn't mean that a buyer can't make an

offer asking for a seller to do it but

by me marketing the buy down in my

listing I did something that 99% of

Realtors weren't doing and it worked

like magic and guess what I've had a ton

of phone calls from realter from a ton

of different companies asking me about

what I did because they saw it they were

shocked they were just like whoa well

what ended up happening is I posted on

Facebook a bunch of details about the

rate buy down

obviously Facebook I use Facebook

differently than a lot of Realtors I

don't really look a whole lot at what

other people are posting I will post

stuff that I find interesting whether

about sports whether about real estate a

lot of real estate stuff someone made

fun of me recently for posting a lot of

real estate stuff that's fine this is my

career this is what I do it's what I

find interesting but I posted about

the rate by down details and I went into

a lot of detail in my Facebook post and

then then it was crazy because I didn't

have an offer on the house when I

posted that but like within a few

hours of me posting that I already had

that offer that I ended up countering

and then we ended up going under

contract and it was completely

unrelated to the Facebook post but I

think a lot of people thought that it

was related to the Facebook post which

it was not but regardless that that

post got me a lot of interest from other

Realtors and connected with on social

media and people are just trying

to find ways creative ways to sell

houses in this market and you have to

listen to what the market is telling you

and take that into consideration take

into consideration that buyer

affordability is way down you cannot try

to fit a square block into a or a

square peg into a round hole it doesn't

work so you need to keep all of these

things in mind if your inventory is

going up right more homes are available

than there have been for several years

that means if you're a seller you've got

more competition than you've had in a

very long time you cannot approach the

current market like the market was two

years ago very very different in so many

different ways you have to be nimble and

be willing to change your approach now

here's the other thing I'm seeing homes

under

$250,000 are in

huge demand huge demandit

doesn't matter where this is this is

kind of what one of the interesting

things if the home is in good condition

there is a massive market for Homes at

this price point and this has been

pretty much the only price point all

year where I've seen multiple offer

situations this year now think about

this the the median price point in

Greenville right now is about 320,000 so

this is why there's so much demand

at the $250,000 marker that's like way

less than what the median home is but

it even if it's not in a great area if

it's in good condition and it's at that

price point there's a market for it

there is a market now one decision I

made in the fourth quarter of last year

and I told you guys this when I made the

decision and going into the new

year I decided that I wanted to flip

more houses going into this year now if

you know me you know that I am a

full-time realtor first that is my first

love that is what I do and I don't enjoy

flipping houses I really don't and I

don't had time to flip a ton of them per

year it's it's not a it's not the

biggest time drain for me because I

have processes in place at this point

and I don't I intentionally devote as

little time to it as possible because

my real estate clients keep me very busy

and I'm always going to put their

schedule ahead of the schedules for

my flips but at the same time I

saw going into last year that

inventory or at the end of last year

going into this year the inventory was

going way low I knew that my business

was going to contract this year because

everyone's business has contracted this

year but I also saw that as inventory

was still very low still at

historical lows but that demand

stabilized in November of last year that

meant a huge opportunity for me if I

flip more houses I could create like

Builders my own inventory to make up for

what was lacking now this approach

wasn't without its risk I know of

several flippers who lost serious money

when the market went South last year um

when you're used to the market going up

by 15 to 20% per year and suddenly that

price growth stops cold that is a

big System Shock for investors I know

some people who are pretty big players

in thelocal real estate investing

scene who are now completely out of the

game and we've talked in the past about

how like Zillow and open door and and

some of these other companies have

really gotten hosed in their flipping

business as well um nonetheless I was

selective with the properties that I

purchased and in the end it worked for

me for this year um and as I said like

pretty much all Realtors my business as

a whole was down this year but me

increasing the volume of the house flips

that I did turned it into a great year

for me and that's something I'm I'm

really grateful for but inventory is now

increasing right when I when I

reassessed things at the end of last

year I saw okay inventory insanely low

people need houses not everyone wants

to buy new construction for a variety of

reasons what can I do I can provide more

inventory by increasing the amount of

homes that I

flip well now inventory is increasing um

I think that we're probably near the

seasonal inventory Peak for the year

but even so it's higher than it's been

really in several years so what does

that mean it means flipping houses might

not have a particular advantage in 2024

at least to the to the extent that it

did in

2023 but obviously there is one big

exception that's Homes at or below

$250,000 and if I get opportunities to

flip Homes at that price point in areas

that are even moderately desirable or

even not that great but are at least you

know not awful areas I'm going to

take advantage of that as much as

possible again that's a side business

for me and that's just me really

if you're listening to this and you're

not a house flipper you probably don't

care about that but I know I do have

some people that flip houses on here

that's just some of my thought process

proc now I will say I am a very

conservative I'm very conservative when

it comes to flipping houses I have a

very specific buy box I don't buy

everything I pass up almost

everything that I

see and some people are more

aggressive than me and more power to

them that like I said I don't enjoy

flipping houses so I'm pretty

conservative with the ones that I flip

and that's just the way I've

chose I've chosen to structure my

business

now that was a whole another aside I

didn't intend to get into but there you

have it now additionally for flipping

houses I think there could be an

opportunity for homes with one bathroom

to convert them to two bathrooms and

make money even if that means taking

away a bedroom so maybe convert a

bedroom into a big bathroom or merge two

two bedrooms to make a big Master Suite

whatever the case may be but a big

change in recent years has been people

wanting a second bathroom more than they

want a third bedroom I cannot express

you I've been in real estate almost 8

years now that is one of the single

biggest shifts that we have seen in the

market is people prioritizing a second

full bathroom over a third

bedroom and and of course that also

works well within the

$250,000 price point I just discussed

because a lot of two-bedroom two B Homes

will be at that price or below now I

will also mention this I see Tremors of

the luxury housing market having

opportunities if you're a house flipper

that would be the other side of the

market that I that I am looking at

closely I have actually never flipped

the luxury house I'll be completely

honest about that I've got nothing to

lose by saying that that's just not

been what I have done I've just I've had

no interest in it in the past I've

I've had opportunities there was one

home that I came very close to making an

offer on and I just decided there were

just too many mold issues and different

things that that just concerned me I

couldn't pinpoint where they were coming

from and I just backed

out but we discussed last week that

the luxury housing market in Greenville

is the market that's doing the best

right now because buyers on the high-end

are not impacted by these high rates a

lot of them are cash buyers you know a

lot of people buying million2 million $3

million homes are buying with cash

and if they do Finance it they're

putting a huge down payment um so they

they still have money it's not these

high rates are not impacting the luxury

housing market that much so um I'm going

to be paying a lot more attention to

that i' I've never aggressively looked

at the luxury housing market for a

flip but this will probably be the

first year that I really try to look

more closely at that and see if there

are any opportunities there and I think

there might be I think that there might

be because I'm starting to see more and

more homes in MLS that could fit the

bill for a luxury home that is a

fixer upper at a cheaper price point

that needs you know2 $300,000 of work

done to it and then could sell it for

maybe half a million 600,000 whatever

more than than than what it's

currently listed at so TBD we'll see

if that ends up materializing for me um

again I'm going to be conservative with

that but that's something that that

has my interest peaked and if you're a

house flipper that's definitely

something you should be looking in as

well now in the end the big storyline

for the next four to five months will be

what does the market look like with

increasing inventory the normal seasonal

slowdown in demand and the highest

mortgage rates in a generation we have

these three things all coming to a head

right now here in the fourth quarter

sellers need to adapt or die and this is

not a a market for the fan of heart

whether you're a buyer or a seller

you need

to you need to be prepared this is this

is just not a market for the Phantom

heart it's a tough Market now most of

this episode has been from the vantage

point of selling real estate but what

about from the standpoint of a buyer

if you're feeling the cash squeeze

this is where understanding rate buy

Downs can be extremely useful if you can

get a seller to buy down your rate at

several points below what the current

average is then that increases your

purchasing power as a buyer much more

than just having the seller come down

two to 3% on the

price again this is simple math but

coming down 2 to 3% on the price that's

that's what a lot of buyers are thinking

that they want a seller to do but if you

can get a seller to offer you 2 to 3% of

concessions that you can then use to buy

down your rate you're getting so much

more value for that you're saving

yourself so so much more money for the

next few years potentially for the next

30 Years depending on how you

structure that but of course sellers

aren't going to want to do that right

away um so homes that have just come on

the market aren't typically going to be

good options for the strategy let's just

be honest unless unless the home is

advertising a potential rate buy down um

but for homes that have been on the

market for a while I think it's a great

option and one buyers need to seriously

consider when they run their numbers on

what they can or can't afford now if if

the buy down I will mention if you if

you're a buyer and you get a rate buy

down that is temporary so you can get

temporary rate buy Downs like for

instance one that first year is 6%

second year is 7% and then for the

remaining 28 years it's at 8% you

still have to qualify at the the top

rate so if that top rate is 8% you still

have to qualify for the mortgage at 8%

not 6% um so that's something to just

to keep in mind that I'm just going to

mention for temporary buy Downs I have a

lot of other fun info on rate buy downs

but I'm going to keep those details for

myself and not get too in the weeds

in this show if you're a client of mine

working with me and want more info let

me know happy to happy to discuss it

happy to connect you with a lender to

discuss the different lender options

as well all in all I think from 2020 to

Mid 2022 it was a 10 out of 10 time to

sell greatest time in the history of

real estate to sell right you put a home

on the market even if it's overpriced

likely to sell it pretty quickly if it's

not overpriced you're going to have a

gazillion offers on it unbelievable time

to sell it was probably a three out of

10 time to buy during that stretch as

well and it would have been a one out of

10 time to buy except for how low rates

were right it was an awful very

difficult

time to buy from standpoint of how

much competition there was all these

multiple offer stressful situations but

then when you finally got the house and

you could see that High 2 point whatever

percent or low 3 point whatever perc

interest rate it was very very rewarding

to know that you pulled that off

but in the in the current environment

I think it's about a six out of 10 time

to sell still a good time to sell but

like I said not for the faint of heart

you have to be prepared that the market

has changed and it's not what it was

before on the buy side I would say it's

probably a five out of 10 time to buy

like neither a good nor a bad time to

buy in in my opinion if you're a buyer

in this

market inventory is increasing prices

are pretty flat and following seasonal

Trends but affordability is bad

due to the mortgage rates that we've

talked about adding aium on here but

even though it's a five out of 10 time

to buy

remember the best time to buy a home was

always yesterday it was always yesterday

I can't tell you how many times I have

clients or former clients or just

friends send me things about what the

housing market was like a few years ago

what the housing market was like a few

decades ago what the housing market was

like a few months ago and just

regretting that maybe they were too

young to buy a few years ago or

whatever the case may be it was always

better to buy yesterday and that's just

the reality of of the situation that's

not something we can control so for

people that ask should I buy a

house actually there's a there's a guy I

follow on Twitter a housing more

like a mortgage rate guy that

really tracks the the housing market and

people ask him all the time if now is a

good time to buy a house and or sorry

they ask him if they should if he thinks

that they should buy a house now and

every time they ask him he says no and

the reason is because he says if you

can't figure this out for yourself you

should not be buying a house right now

and so the long story short is if you

need to buy a

house my opinion is it's better to

buy sooner than later generally speaking

now we don't know the market could crash

I could be wrong but historically

speaking

that's almost never the case usually

it's better to buy Now versus versus

later now if rates start to go back down

substantially let's say we see rates

retract at some point next year into the

sixes I don't know if that's going to

happen I'm just being

hypothetical that will dramatically help

sellers right because that's going to

bring in a ton of demand and that's

going to that's going to really impact

home sales a lot and even though make

things more affordable for buyers the

sudden increase in affordability would

would again likely send a bunch of

demand back into the market and it would

make it super duper competitive again so

again this is why I'm telling you if you

are a

buyer I would generally recommend

purchase and get a rate buy down now if

you can while there is very little

competition because when rates go down

prices are going to start to go back up

at a higher clip demand is going to be

greater it's going to be more multiple

offer situations inventory is going to

go back

down and all of these things if

you're a seller you may want to wait

out the slow season which we're in right

now and look to sell early next year I'm

just being completely honest if you're a

seller in this market even though it's a

six out of 10 time to sell

seasonality that's like generally

speaking from a seasonal perspective

this is the worst time of the year to

sell and I think that there's a good

chance that rates kind of stay where

they are maybe they kind of end up in

the low eights something like that I

don't see them going I'd be surprised if

they went dramatically higher than the

low eights just based on what the FED

is saying at this

point but you may if you can if

if you don't have a reason for selling

it may make the most sense for you to

wait until

things start to pick up again next year

right we had a very slow December Janu

well November December January ofof

the past year and I think there's a

very good chance that that it's the same

thing this year and it might be better

for sellers that have flexibility to

wait until we get to you know

February March which is when the market

really starts to pick up but again

not every seller has that flexibility

and if you don't if you just need to

sell we'll do everything that we can

if I'm your realtor I will do everything

I can to get your home sold and to get

you top

dollar um so yeah those are my fourth

quarter thoughts just a hodge podge

of different things that I'm thinking

about um and there's a whole lot more

that I could get into but I think

we've gone long enough so we will stop

there again if you need a realtor my

contact information is in the show notes

if you need someone to list your home I

can do that if you need a buyer agent I

can also do that if you need a referral

to another Market I can also do that I

have a relocations department within

my company there's a lot of different

things that I can do so contact me via

my contact information in the show notes

and please if you like the show

subscribe to it like rate review all of

those good things and we will talk again

next time