Latest / Buying Local Podcast / Real Estate Law Made Simple with Dan Wade | Buying Local #65

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Real Estate Law Made Simple with Dan Wade | Buying Local #65 · Buying Local Podcast

• 0:00
  Welcome everybody to Buying Local.
• 0:02
  I'm your host, Matt Noth from 5 Tower Media.
• 0:05
  And today we have a wonderful guest, Dan Wade.
• 0:09
  Welcome, Dan. Hey, you're welcome.
• 0:11
  Thanks for having me. I appreciate it.
• 0:13
  Yeah, of course. Thank you for coming on.
• 0:16
  Just before we, you know, get into our conversation, why don't
• 0:19
  you tell the viewers a little bit about who you are and, you
• 0:22
  know, maybe, maybe something exciting that you're working on?
• 0:26
  Sure. So, yeah, So my name is Dan
• 0:28
  Wade. I'm an attorney with Ian LO
• 0:30
  Anderson and we are primarily a real estate law firm that has
• 0:34
  four offices from Glens Falls all the way down to Albany.
• 0:37
  So we make it very convenient for our clients to close.
• 0:42
  Some recent stuff that's been happening is, you know, I've
• 0:45
  been working on scheduling a vacation for later this summer
• 0:48
  to go to Alaska with my family. So we're looking forward to that
• 0:52
  a lot and doing some dog sledding and some train riding.
• 0:55
  So it's going to be a lot of fun.
• 0:57
  We're looking forward to it. My son's getting ready to go
• 1:00
  into the lacrosse season, so we're excited about that.
• 1:02
  And we also just found out that his robotics team qualified for
• 1:06
  the New York State finals, so they'll be competing in that
• 1:09
  coming up in a couple weeks. So we have just a few things
• 1:12
  going on. Yeah, sounds like sounds like
• 1:15
  you got a lot on your plate. That's awesome though.
• 1:17
  That's that sounds sounds like a lot of fun stuff.
• 1:20
  I mean, as you know me, I'm a big lacrosse head too, so I love
• 1:24
  that. Lacrosse seasons, you know,
• 1:26
  here. Yeah, yeah.
• 1:28
  So which position did you play? I played defense, so I had to.
• 1:32
  Yeah, he plays committee, so you'd be going against each
• 1:34
  other. Yep.
• 1:37
  Well, that's awesome. Yeah.
• 1:38
  So you touched on a little bit of your law.
• 1:40
  Could you just explain, I know you kind of cover real estate
• 1:44
  law, title law. Could you, yeah, just explain
• 1:48
  kind of all the areas that you, your practice deals with?
• 1:52
  Sure, Yeah, absolutely. So what happens if somebody's
• 1:54
  selling a house or buying a house, they're going to meet
• 1:57
  with a real estate agent and they're going to end up signing
• 1:59
  a contract. And then within those contracts
• 2:02
  built in our provisions for attorneys to review those and
• 2:05
  sort of guide the clients through through the process.
• 2:08
  And that's kind of partly where I come in is I'll review the
• 2:11
  contract, I'll draft an approval letter that goes along with it,
• 2:15
  and I'll discuss those items with the clients so that they
• 2:18
  understand what they're getting into, what's expected of them,
• 2:21
  and just sort of set everyone's expectations so that everyone
• 2:25
  understands is on the same page as how the transaction's going
• 2:28
  to go. As far as that.
• 2:30
  We're also going to handle ordering any kind of title
• 2:32
  search that's needed to review the chain of title and any liens
• 2:36
  that are against the property, open taxes, things like that, to
• 2:40
  just make sure that everything is taken care of and that the
• 2:43
  title that the client receives, the closing is a good title that
• 2:47
  they would be able to sell if they need to sell the property
• 2:49
  in the future. So yeah, just things like that.
• 2:53
  And if inspection though a certain way and they need to
• 2:57
  request any kind of repairs or credits, that's something that
• 3:01
  will help negotiate on their behalf as well.
• 3:04
  We also prepare final figures and documents and attend the
• 3:07
  closing on the client's behalf. Love it.
• 3:11
  Yeah, I've. I just want to preface.
• 3:13
  I mean, I've had the chance to actually, we just had our last
• 3:18
  podcast was on gold, all of Gold Star and the referral group and
• 3:23
  the networking aspect of that. So I've actually had the chance.
• 3:27
  Dan's also a great gentleman, superb networker, also can be
• 3:32
  found in the Gold Star referral groups.
• 3:36
  But the one thing that I really noticed about you is that you
• 3:39
  really take the time to educate your, I guess clients.
• 3:44
  Why? Why do you feel that's that's
• 3:46
  kind of separates you with that educational piece?
• 3:49
  Sure. I think it's important because I
• 3:51
  just think it's good that people know and understand fully what
• 3:56
  the process is going to entail. And part of that is, you know,
• 4:00
  better information for clients, then you end up having better
• 4:02
  clients. And if those clients had a good
• 4:05
  experience, then you know, from the networking side, hopefully
• 4:08
  they they speak with other potential clients who then could
• 4:12
  come my way. And it's also about, like I
• 4:15
  said, setting expectations and managing people's emotions so
• 4:19
  that they know what to expect and when to expect it.
• 4:23
  You know, for some of the clients that I work with and
• 4:25
  some of the agent partners that I work with, I have prepared a
• 4:30
  very colorful flow chart that shows how the real estate
• 4:34
  process is supposed to go. And that helps the clients out a
• 4:37
  lot because then they know when to expect certain things to
• 4:41
  happen. And also when they're asking
• 4:43
  questions, they want to make sure that they didn't miss a
• 4:45
  step or that they they haven't missed an opportunity to ask a
• 4:50
  question or to take advantage of an opportunity that might be
• 4:52
  important to them. So you, you touched on the
• 4:56
  motion piece, how much of your day-to-day is kind of, you've
• 5:01
  seen yourself stepping away from that lawyer stuff and more kind
• 5:06
  of being a shoulder to cry on? Does that happen happen often?
• 5:09
  Yeah, I mean, does happen as part of the job, right.
• 5:11
  So I mean, for me, like I, I'm an empathetic person.
• 5:15
  So I care about the people that I work with and I care about the
• 5:18
  clients that I represent. And I want them to have a good
• 5:21
  experience. I want their lives to go well.
• 5:24
  I want everyone that I work with or come into contact with, I
• 5:27
  want them to be successful. So I just want to help put
• 5:30
  everyone in that best position as possible.
• 5:33
  Yeah. And sometimes that takes, you
• 5:34
  know, you get to learn a lot about clients a lot of times,
• 5:37
  and you learn about their whys, like why are they doing what
• 5:41
  they're doing? And everybody has their
• 5:43
  different reasons. One of the things that I really
• 5:45
  love about this job is that you come into people's lives with
• 5:50
  all different chapters that they're going through and people
• 5:53
  have many different chapters throughout their life.
• 5:55
  Some people are expanding their family because they're getting
• 5:57
  ready to have a family. And so maybe now they need to
• 6:00
  have more space for children that are going to be coming
• 6:03
  along. For other people, it might be
• 6:05
  they've gotten older and their kids have graduated college and,
• 6:09
  and are about to go out on their own and now people don't need as
• 6:12
  much space. So maybe now they're looking to
• 6:14
  sell and, and downsize or, or move and start to go in the
• 6:18
  different direction and different chapter of their life
• 6:20
  towards retirement. But all those chapters have
• 6:23
  meaning to people and they're all important to people in their
• 6:27
  own way. And it's to connect with people
• 6:29
  and learn about that process and, and why they're doing what
• 6:33
  they're doing. And you get a little glimpse
• 6:35
  into their life and they get a little glimpse in the mind.
• 6:38
  And it's really kind of a fun experience.
• 6:40
  Yeah, that's great. You, you said that you were an
• 6:42
  empathetic person. You know, me knowing you
• 6:45
  personally, I could definitely attest that.
• 6:48
  But starting out, did you always, was this your calling?
• 6:51
  Did you always know you wanted to be doing this stuff?
• 6:54
  Is this you know? Yeah, yeah, Actually, no, my, my
• 6:58
  first, my first choice of career was going to be veterinarian.
• 7:03
  That's what I thought I was going to be until one day I was,
• 7:07
  I was, I was called out to hold the lead line of a of a horse
• 7:12
  that had gotten injured. And I start to wobble like this
• 7:16
  a little bit. And so I'm like, well, I don't,
• 7:19
  I don't know if veterinarian's going to be in the cards for me.
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  And that was right around, right around, you know, my senior year
• 7:26
  in high school. And, you know, I was fortunate
• 7:28
  enough that I had an open period.
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  And so I took a business law class in high school, which, you
• 7:35
  know, proved to sort of, you know, kind of spark that next,
• 7:39
  you know, thing that I wanted to do.
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  And, and I enjoyed it. I really liked it.
• 7:44
  Sometimes I would debate with the teacher about some of his
• 7:48
  questions and the and the wording of his questions.
• 7:50
  And so I'm like, OK, I think this lawyering thing might be
• 7:54
  the thing I want to do. Yeah.
• 7:56
  Oh, that's awesome. Yeah, But doing real estate, so
• 7:58
  then even beyond that, going to law school, you know, you can in
• 8:03
  theory have a concentration, not everybody does.
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  So often times when you go to law school and you're like, OK,
• 8:08
  I'm not not 100% sure what area of law I want to fall into, but
• 8:13
  eventually real estate sort of, you know, caught my eye and
• 8:16
  became something that I really wanted to do.
• 8:19
  Awesome. So could you just explain a
• 8:21
  little bit of how you connected with this current role you're in
• 8:25
  now? Sure.
• 8:28
  Yeah, Yeah. So my previous job, so out of
• 8:30
  law school, I took a job in the southern part of the state and
• 8:35
  as part of that job I did a lot of work representing banks in
• 8:38
  collections and bankruptcy and landlord tenant work, but also
• 8:43
  did a lot of work with them in Closings and title review.
• 8:47
  So reviewing of title reports. So in learning why title in the
• 8:52
  way that it's written is important.
• 8:54
  And so then when it became time after, you know, a few years of
• 8:58
  doing that, we decided to move back up to this area, which is,
• 9:02
  you know, closer to where I grew up.
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  I grew up outside of Schuylerville and now I live
• 9:07
  outside of Queensbury. And it, it was an easy move to
• 9:12
  move back. But when I got a chance to move
• 9:13
  back, I said, why don't I shift my career a little bit and use
• 9:18
  what I know about title, use what I know about, you know,
• 9:21
  wanting to connect with people and be part of the community and
• 9:26
  helping people buy and sell homes seemed like the perfect
• 9:29
  fit to do that because I could review the title work.
• 9:32
  I could make sure that the transaction goes the way it's
• 9:35
  supposed to go and hopefully give clients a good experience
• 9:38
  and and represent them well. That's awesome.
• 9:42
  Yeah. I love, love hearing, love
• 9:43
  hearing kind of how people start and where they end up by, you
• 9:47
  know, me being 22, I'm just starting out my career.
• 9:50
  So, you know, the light at the end of the tunnel is, you know,
• 9:55
  only getting brighter. So just taking a step back,
• 9:58
  getting back into like the actual real estate.
• 10:01
  What? Because again, I I don't own a
• 10:04
  home just yet, but when? I.
• 10:08
  And Yep, and you're going to be the you're going to be exactly
• 10:11
  the first time I'm calling up. But what's the biggest mistake
• 10:15
  you see with first home time buyers?
• 10:18
  Yeah. So right now, you know, when
• 10:21
  2020 happened and the world shut down the way that it did, and
• 10:26
  real estate really did the opposite of what a lot of people
• 10:30
  thought was going to happen during that time period.
• 10:32
  And the real estate market just took off, right?
• 10:36
  So little supply, lots and lots of demand.
• 10:42
  So buyers had to take steps to make their offers sort of stand
• 10:47
  out from other people's offers. And some of the ways that buyers
• 10:52
  would do that during that time period is they would agree to
• 10:55
  waive inspections of, of a property.
• 10:59
  And you know, when my attorney had on that, that always makes
• 11:02
  us a little cautious, a little nervous, because unless you're
• 11:07
  licensed in that area and really have a, a good education and a
• 11:10
  good working knowledge as to everything that goes into a home
• 11:14
  and all its systems. You know, a licensed inspector
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  is really a vital piece of the real estate buying and selling
• 11:22
  process. Because again, it gives you more
• 11:25
  of that information as to what the home really looks like, what
• 11:30
  it, how it functions, what if anything doesn't function, what,
• 11:34
  if anything might need to be, you know, repaired immediately
• 11:37
  and what might need to be repaired at some point in the
• 11:39
  future. So a lot of people were going
• 11:42
  into that process a little bit unknown during that time period.
• 11:47
  And so that's, you know, that's, that's one of the things that
• 11:50
  that I see that makes me sort of like cringe a little bit is when
• 11:54
  I see instances where people have had to waive inspections.
• 11:59
  Now I know and I understand that there are reasons and there's
• 12:02
  time and place for why they may happen.
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  And of course, I'm going to still represent my clients to
• 12:07
  the best of my ability, but it does take one of the things away
• 12:11
  that we have to, to, to get that additional chance to, to educate
• 12:16
  the clients and work with them. Awesome.
• 12:19
  Could you explain a little bit of I guess the practical ways of
• 12:24
  the dues of what to do during that home buyer process?
• 12:28
  Oh, yeah, absolutely. Yeah.
• 12:29
  So there, there are like several things that you see like either
• 12:32
  on the seller's side or the buyer's side where there's like
• 12:35
  here's here's like some things that you probably shouldn't do
• 12:38
  or, you know, and it happens really on both sides for, for a
• 12:43
  lot of the sellers. Like is it particularly in the
• 12:45
  winter time, like down? It's, I saw it a couple times
• 12:49
  this winter where the sellers, they signed a contract.
• 12:54
  Maybe they moved out of town, maybe they already live out of
• 12:56
  town. And I'm not really 100% sure
• 12:59
  why, but they, they turn the utilities off to the property at
• 13:04
  the beginning of the process. So now you have a property
• 13:06
  that's sitting, you know, in the winter in upstate New York,
• 13:11
  which is not never a good recipe, right?
• 13:14
  Which you haven't owned a host yet.
• 13:15
  But I'm pretty sure you probably know what happens to water when
• 13:18
  it freezes. Those pipes can burst.
• 13:21
  And you know, if those pipes burst, they can it can cause a
• 13:25
  lot of damage in the home. Water is probably one of the
• 13:29
  bigger things that can cause a lot of damage to the home.
• 13:32
  So one thing is to not do for a seller is, you know, don't turn
• 13:35
  off the utilities. What should happen is is you
• 13:39
  know, right before the closing happens, a buyer's going to
• 13:42
  reach out to the utility company and they're going to ask for the
• 13:46
  utilities to be transferred over into their name so that the
• 13:49
  buyer will just take over the, the use of the utilities and
• 13:53
  also the cost of the utilities. So there's there's no need for
• 13:56
  the seller to to reach out necessarily and have the
• 13:59
  utilities turned off sort of. And gently with that, you don't
• 14:03
  want to have a seller turning the heat off 14, turning the
• 14:07
  heat so low that you risk a situation where you know, the
• 14:11
  the pipes could could freeze as well.
• 14:13
  So just that's something that a seller should try to avoid as
• 14:16
  well. Yeah.
• 14:19
  If you don't mind me just interrupting, what what would be
• 14:23
  the recommended recommended temperature, the lowest if you
• 14:28
  were to leave your home? Do they?
• 14:29
  Do you have a number? Well, it kind of depends on how
• 14:32
  your home is set up, right? And you know, if you do you have
• 14:36
  a basement, do you have a crawl space?
• 14:38
  Do you not have any of those things?
• 14:42
  Because, you know, I think people have like their nest
• 14:46
  thermostats and they have their other thermostats, right?
• 14:49
  So you want to keep it at a level where you make sure that
• 14:51
  wherever the pipes are located that they're not getting near
• 14:54
  that that freezing temperature. Another thing that I have seen
• 14:58
  people do from time to time, like people who are renting
• 15:01
  apartments or maybe you have a house where the pipes are under
• 15:05
  the house, but you don't have necessarily have really good
• 15:08
  insulation under there or you don't have a basement with any
• 15:11
  kind of heat source to that area.
• 15:13
  You know, if if it's always a good idea that to insulate the
• 15:15
  pipes if you can. There's also heat tape that
• 15:19
  people can use to put on pipes. But another trick that you can
• 15:22
  do is, you know, you can leak and trickle, you know, you can
• 15:26
  trickle the faucet so that the water is moving.
• 15:30
  So if the water is moving, then it then it can't freeze.
• 15:33
  So I've I've heard of people doing that as well in areas
• 15:37
  where they don't have those other abilities to, to keep the
• 15:39
  water warm enough. Great.
• 15:42
  Yeah, good to know. Especially like those like it's
• 15:44
  that those really older houses that that don't have the same
• 15:47
  kind of insulation type situations.
• 15:51
  Yeah, good to know. Let's jump to the opposite side
• 15:56
  of that question then. So things like on the buyer's
• 15:59
  side and a lot of these, you don't want to jeopardize any
• 16:04
  kind of funding situation with your loan if you're taking a
• 16:08
  mortgage. So you don't want to like change
• 16:10
  jobs in the middle of a transaction if you can help it.
• 16:14
  Likewise, you don't want to change your marital status
• 16:17
  because that creates new legal rights and obligations and and
• 16:21
  things like that. So, you know, there are people
• 16:24
  who they're getting engaged and they want to buy their first
• 16:28
  home together. So just sort of keep that timing
• 16:30
  in mind that you either want to buy the house before your
• 16:35
  wedding or you wait until after your wedding to buy the house,
• 16:38
  but try not to schedule your wedding in the middle of your
• 16:41
  real estate transaction. Number one, that sounds
• 16:45
  extremely stressful and I wouldn't recommend it, but #2
• 16:48
  there's also legal rights and obligations that pop up in there
• 16:52
  that that could change in the middle of the transaction and
• 16:54
  could potentially slow things down for a second with your,
• 16:58
  with your lender if you can help it, am I right?
• 17:01
  Some of the things that also things we see with buyers is
• 17:04
  after the closing, your D gets recorded.
• 17:07
  And when your D gets recorded, it becomes a public document,
• 17:10
  meaning it's on public record at the county clerk's office.
• 17:14
  There are companies out there that watch for deeds to get
• 17:17
  recorded. And when they get recorded,
• 17:19
  these companies send these new homeowners these very official
• 17:24
  looking, very scary letters that make it sound like something
• 17:28
  terrible happened and that they need to urgently have a
• 17:32
  certified copy of your deed in order to prove you have
• 17:35
  ownership of the property. And these companies will offer
• 17:38
  to provide that service and also provide a property profile
• 17:42
  assessment for a very inflated cost of I've seen anything from
• 17:46
  like 85 to almost $200. And what's crazy is that, you
• 17:52
  know, a certified copy of a deed, essentially the county
• 17:55
  clerk is doing is they're comparing the original versus a
• 17:58
  copy and they put a raised seal on the copy.
• 18:01
  That's really all a certified copy is.
• 18:04
  Most county clerks will do that service for 5 or 10 bucks, so
• 18:07
  you don't need to pay $200, number one.
• 18:09
  Number two, you shouldn't need to pay any more money for copies
• 18:12
  of your deed. The deed's going to be on public
• 18:15
  record with the county clerk #1 #2 your attorney's office will
• 18:18
  be more than happy to e-mail you a copy of your deed that they
• 18:22
  have on file as well. So other things for a buyer,
• 18:28
  when you're getting close to a closing, it's really good idea
• 18:31
  that whatever bank you use to house your money, that you have
• 18:35
  that bank somewhat in the general vicinity of where the
• 18:38
  closing is going to take place. And that's, you know, for the
• 18:41
  most part, because you're going to need that money for the
• 18:43
  closing. So you want to be able to make
• 18:44
  sure that you can get that money drawn on on a relatively
• 18:48
  quickly, quick basis if needed. You know, people like to use
• 18:52
  wires and wires can be used from time to time, but wires are also
• 18:57
  inherently risky. You know, there are
• 19:02
  unfortunately, there are, there are bad people out there and
• 19:04
  there are bad people who will try to infiltrate different
• 19:08
  systems and different real estate companies.
• 19:10
  And if they are, you know, the scary situation could be, you
• 19:15
  know, I send you in an e-mail wiring instructions or maybe pay
• 19:21
  off instructions to send a wire to you.
• 19:23
  Don't think nothing of it. You just go ahead and and send
• 19:26
  that wire out. But little do you know is that
• 19:29
  somebody has intercepted my e-mail, did a quick Photoshop
• 19:32
  now, but they're wiring information in the letter where
• 19:36
  my information was. And now you're sending money to
• 19:38
  who knows where, right? So best practices are, yeah,
• 19:42
  maybe we'll send you wiring instructions.
• 19:44
  But then we do require that you call and speak with a human from
• 19:48
  a trusted phone number that you have for us or for anybody that
• 19:52
  is asking you to wire so that you have that verbal
• 19:55
  confirmation as well and you had a additional layer of security
• 20:00
  for protecting your money so. Yeah.
• 20:05
  This time of year, we're in the middle of February right now as
• 20:07
  we record this. And so a good thing for home
• 20:12
  buyers to know or homeowners to know is in New York State, if
• 20:16
  the property is your primary residence and you know, you meet
• 20:19
  certain other requirements and criteria, you can register your
• 20:22
  property for free with the New York State Department of Tax for
• 20:26
  the New York State STAR program and that STAR program.
• 20:29
  What that does is when your school taxes get paid, you'll
• 20:32
  get a rebate check back, you know, usually within a month for
• 20:37
  for me, it's a couple 100 bucks that comes in October.
• 20:40
  It's like money that you forget about.
• 20:43
  But it's nice little perk that New York State gives to
• 20:46
  homeowners who are using a property as your primary
• 20:49
  residence. Now you can only register one
• 20:52
  property because you can't have more than one primary residence.
• 20:55
  But if you have a primary residence in New York State, you
• 20:58
  have something to look into. Go onto the website and see if
• 21:00
  your property has already been registered.
• 21:02
  If not, then go ahead and register it.
• 21:04
  It's free. Huh.
• 21:06
  And are there any like qualifications?
• 21:08
  Do you need like income to qualify for?
• 21:11
  That, yeah, the big, the biggest one is you have to, not, you
• 21:15
  have to make less than $500,000 per year, which for me is no
• 21:20
  problem at all. Well, under that, maybe someday
• 21:24
  that'll change, who knows? So, but yeah, that's, that's the
• 21:29
  primary, that's the primary thing.
• 21:30
  It just has to be your primary residence.
• 21:33
  Awesome. Yeah.
• 21:35
  I just had I, I know we're closing, getting close to the
• 21:39
  closing time, but just a couple more questions.
• 21:43
  I know we're, you know, in the North Country, is there in I, I,
• 21:49
  I was just wondering because I know a lot of people with camps
• 21:51
  and, you know, the Adirondacks being in their backyard
• 21:54
  practically are there do the camps or where they call them
• 21:59
  seasonal homes? Do those bring up any unique
• 22:02
  legal challenges compared to, you know, a residential home or?
• 22:07
  Well, I have so from a real estate it depends I guess part
• 22:12
  of it depends like do they exist and near or touching any water?
• 22:19
  Are there any docks in the property because you have
• 22:22
  boating rights and dock slips and things like that to come
• 22:25
  into play. Is it part of the Adirondack
• 22:30
  Park? So we would be coming or the
• 22:32
  Adirondack Park Agency and you know, various rules and things
• 22:36
  there. A lot of things with the with
• 22:39
  the camps is just, you know, people want to make sure that
• 22:42
  they do their due diligence and have them inspected.
• 22:45
  You know, not a lot of camps are hooked up to any kind of town
• 22:49
  water or town sewer, right? So they have their own
• 22:52
  independent, well, they have their own septic.
• 22:54
  So you want to make sure that if you have an inspections done,
• 22:57
  that you have the water quality test done and you have the
• 23:01
  septic tested as well. You know, the property's up near
• 23:05
  Lake George, that's that septic's got to be inspected
• 23:08
  anyway. That's part of Bolton's town
• 23:10
  ordinances now. So yeah, things like that.
• 23:14
  And just be mind, you know, mindful of different structures,
• 23:17
  how they're different, right? Also, if you have an insurance
• 23:21
  guy, they might be insured a little bit differently because
• 23:25
  it's not going to be occupied full time.
• 23:27
  So it might be all the things that you can do there with your
• 23:29
  insurance guy. Talk to them about that.
• 23:32
  A lot of camps don't have basements.
• 23:35
  So, you know, you have different things like that.
• 23:37
  You want to make sure the property is properly winterized.
• 23:40
  Of course for the like that all the things we talked about at
• 23:43
  the beginning with any kind of burst pipe situations, you want
• 23:45
  to avoid that if possible. So, yeah, so those are just like
• 23:50
  a a few of the things that are a little bit different from maybe
• 23:54
  a residential home in downtown Glens Falls.
• 23:58
  Great. And Dan, thanks again for coming
• 24:01
  on. I know we're getting short on
• 24:03
  time, but if people were looking to learn more about you, you
• 24:07
  know, learn a little bit more about you or even get in contact
• 24:11
  with you, where can they find you and get a hold of you?
• 24:13
  Sure, couple different places. One they could go to the website
• 24:17
  of the firm that I work for it. The firm again is INL Anderson,
• 24:20
  PC and the website is www.ia LAW ny.com.
• 24:30
  So that's IA Law, ny.com, or they can reach out to us by
• 24:35
  phone and that's 518-371-8888. Great.
• 24:43
  Awesome. And thanks again, Dan.
• 24:47
  But yeah, to everybody else who's listening, thank you.
• 24:50
  I really enjoyed this conversation, Dan.
• 24:52
  I know, I know there's people out there just like me, you
• 24:55
  know, getting ready to buy their first home.
• 24:58
  So this was very informational. So thank you.
• 25:02
  And. Thanks again man for having me,
• 25:04
  I appreciate it. Yeah, thank you.
• 25:06
  And yeah, just thanks to everybody else listening.
• 25:09
  You can find us at buying local dot US.
• 25:12
  We're we're going to be on Spotify, Apple Rumble and
• 25:16
  YouTube. And yeah, thanks for listening
• 25:20
  and we'll we'll hear from us next week.
• 25:23
  Thank you. And and when you're ready, I'll
• 25:25
  be ready.