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Talking Mortgages with Rock Realty · Ask The Experts

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  Speaker 1: Hey, thirty four thirteen ten WYBA and ask the experts
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  Speaker 1: with Rockrealty online Rock Wisconsin dot com. That's our o
• 0:08
  Speaker 1: c K Wisconsin dot com. You can also interview a
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  Speaker 1: buyer's agent on the website Wisconsin Buyeragent dot com. That's
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  Speaker 1: Wisconsin Buyeragent dot com. Joined in study this morning my
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  Speaker 1: Matt Hetman with Rock Realty and Matt, you brought a
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  Speaker 1: familiar face along this morning. Who we got this week?
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  Speaker 2: Did I did?
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  Speaker 3: I brought Weskin from Thompson Cain. They are our preferred
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  Speaker 3: lender of choice.
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  Speaker 1: Good to see os. How you been I've been great.
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  Speaker 4: How you doing this morning?
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  Speaker 1: And great? And I'm gonna guess we're gonna talk mortgages
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  Speaker 1: this week. Yes, we are, sir lent excellent and we'll
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  Speaker 1: get to that just a moment. And there's a lot
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  Speaker 1: going on in the world of financing. But first we're
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  Speaker 1: going to talk about our featured listing. And this listing
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  Speaker 1: no bedrooms, no bath And I thought, how do you
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  Speaker 1: have a listing with no bedrooms and no bath? Yeah?
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  Speaker 3: Got some acreage, yeah exactly, We've got a place to
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  Speaker 3: build those bedrooms and baths. It's out in Marshall it's
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  Speaker 3: on County Road T T and by the description here,
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  Speaker 3: it's looking like it's about three quarters of the way
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  Speaker 3: from some prairie to Marshall, so a short drive to
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  Speaker 3: some prairie for everybody. It's listed at two hundred and
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  Speaker 3: eighty five thousand dollars and it's six acres and there's
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  Speaker 3: quite a bit of it looks to.
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  Speaker 1: Be wood wooded as well, so yeah, and it's got
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  Speaker 1: and I'm just kind of looking at some of the
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  Speaker 1: aerial photos. It looks like it's got like this nice
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  Speaker 1: little you talk about that wooded area. It's also got
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  Speaker 1: kind of like almost like an L shaped line of
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  Speaker 1: trees that kind of goes down one side and then
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  Speaker 1: across the front as well. And I'm thinking that is
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  Speaker 1: the perfect place to to because then you're you know,
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  Speaker 1: your little privacy.
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  Speaker 3: Yeah, yeah, no, Look, it's a beautiful little spot. It's
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  Speaker 3: hard to find any sort of acreage. And you know
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  Speaker 3: when small little quarter acre lots are running to you
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  Speaker 3: one hundred and fifty, you know, six acres for too
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  Speaker 3: eighty five. You can build a pretty cool house out
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  Speaker 3: that way.
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  Speaker 1: Yeah, And Highway T T is super convenience. You can
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  Speaker 1: get up to the Highway nineteen and get right down
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  Speaker 1: to the interstate. It's a really great area to be
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  Speaker 1: so you've got kind of the luxury of it all.
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  Speaker 1: And of course the featured listing this week is represented
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  Speaker 1: by Jason Allen. Give Jason a call six So wait
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  Speaker 1: five one six, seven one five zero. That's five one
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  Speaker 1: six seventy one fifty. And do you get a lot
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  Speaker 1: of folks that are really looking for you know, kind
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  Speaker 1: of looking for that little little slice of heaven, that
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  Speaker 1: little little piece of land. I know it can be.
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  Speaker 1: And it's amazing that we have this this morning. It
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  Speaker 1: could be hard to find in this way.
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  Speaker 3: Absolutely, especially in Dane County. I think a lot of
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  Speaker 3: people are looking for that little five acre sort of
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  Speaker 3: farmat feel right, they want a house on it normally, yes,
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  Speaker 3: but this offers, you know, the ability to build the
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  Speaker 3: house of your dreams on a lot that's you know,
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  Speaker 3: like you said, conveniently located. The perk tests has already
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  Speaker 3: been done on it, and yeah, it's uh, it's ready
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  Speaker 3: to go as far as getting the house built, thrown
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  Speaker 3: in your your septic and uh and well and you're
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  Speaker 3: good to go.
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  Speaker 1: All set. That is really cool. We'll feature it a
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  Speaker 1: little bit more again in the meantime you haven't had
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  Speaker 1: a chance, check it out online Rock Wisconsin dot com.
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  Speaker 1: That's our ock Wisconsin dot com. Or give Jason a
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  Speaker 1: call telphone number six to eight five one six seventy
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  Speaker 1: one fifty. That's five one six seventy one fifty. So, uh, Wes,
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  Speaker 1: I'm gonna ask you the question that everybody probably asks you,
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  Speaker 1: where a rate's at?
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  Speaker 4: The million dollar question, shots dollar question. Well, we wish
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  Speaker 4: they were lower, sure, but you know rates are hanging
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  Speaker 4: around six eight seven five to six seven five percent.
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  Speaker 4: You know, had some opportunity rates were a little lower
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  Speaker 4: last week or a few people lucky enough, around six
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  Speaker 4: and a half. But really it's just kind of been
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  Speaker 4: a roller coaster ride up and down and kind of
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  Speaker 4: somewhere between that six and a half to seven percent
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  Speaker 4: is kind of where we been here the last sixty days.
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  Speaker 1: Well, if we've been spoiled, because I feel like you
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  Speaker 1: talk about six six and a half percent, historically that's
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  Speaker 1: quite low.
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  Speaker 4: It is, it really is. And I tell you, really,
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  Speaker 4: since you know twenty ten on, we've been spoiled because
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  Speaker 4: we've had rates anywhere from two and a half to
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  Speaker 4: five percent all these years and what's happened the last
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  Speaker 4: couple of years, you know, getting rates up in the
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  Speaker 4: six to seven's, which is more historical. We just we
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  Speaker 4: we we've had the best of the best so along
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  Speaker 4: people just don't understand it.
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  Speaker 1: Yeah, it's it's it's sometimes you don't I say, you
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  Speaker 1: don't know what you got till it's gone. Yeah, so good,
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  Speaker 1: good opportunity right now, as we talk about where rates
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  Speaker 1: aren't many when that comes into the equation, the question
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  Speaker 1: for home buyers, that's that's got to be one of
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  Speaker 1: the kind of the earlier questions they're wondering is like
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  Speaker 1: what are obviously you're a firm to west, but kind
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  Speaker 1: of questions about where rates are, isn't it? Yeah?
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  Speaker 3: Absolutely, And you know they want to know the big
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  Speaker 3: questions of course, the monthly payment, right, and that can
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  Speaker 3: include you know, the homeowners insurance as well as the taxes, right,
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  Speaker 3: so as we know, taxes have gone up a bit
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  Speaker 3: as well lately as the home price as have gone up.
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  Speaker 3: So you know, it's just been it's just been such
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  Speaker 3: a moving bar that you know, I think a lot
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  Speaker 3: of buyers weren't jumping off the fence just because they
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  Speaker 3: didn't know where things were going. But I think over
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  Speaker 3: the last year we've gotten some stabilization and in rates
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  Speaker 3: and a little more consistency, and you know, home price
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  Speaker 3: is going up. So I think it'll be a good
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  Speaker 3: thing for twenty twenty five.
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  Speaker 1: Looking at some of these some of these numbers here
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  Speaker 1: when it comes to the price forecasts from some of
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  Speaker 1: the groups out there, what are we seeing there, get
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  Speaker 1: Fanny May and Zillo and others, what's kind of the
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  Speaker 1: breakdown there?
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  Speaker 3: Yeah, I mean as far as the home prices go,
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  Speaker 3: and they've got some expectations for you know, how much
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  Speaker 3: they will rise in twenty twenty five, I think that, yeah,
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  Speaker 3: we are getting a little bit more of a leveling off,
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  Speaker 3: but I just don't see that home prices are going
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  Speaker 3: to level off as well. I think that we're still
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  Speaker 3: going to have a small increase across the board. So
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  Speaker 3: Fannie May is expecting about three point six percent increases
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  Speaker 3: in twenty twenty five for home prices. Realtor dot COM's
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  Speaker 3: got it at three point seven, Zillow a little bit
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  Speaker 3: lower two point six percent for home prices because there's
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  Speaker 3: just there's still tight inventory even with the higher mortgage
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  Speaker 3: rates there's only so many homes that people can shop for.
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  Speaker 1: Talking to this morning, of course with Matt Hetman along
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  Speaker 1: with West Kine. West comes to us from Thompson Kine
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  Speaker 1: Online Thompson Kine dot com. Of course, ask the experts
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  Speaker 1: with Rockrealty their website Rock Wisconsin dot com. That's Rock
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  Speaker 1: R O C K Wisconsin dot com. Wes with in
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  Speaker 1: interest rates than where they are. Any advice to folks
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  Speaker 1: thinking to hold off or is now the time to
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  Speaker 1: take action?
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  Speaker 4: Well, I think if rates are high, rates are low
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  Speaker 4: where we live in Dane County and Rock County, these areas,
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  Speaker 4: it's it's always a good time to buy here. You know,
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  Speaker 4: proof is in the pudding. It's always appreciated. It's going
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  Speaker 4: to continue. I see in a stasistic that you know
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  Speaker 4: in the next fifteen years, you know Madison's going to double.
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  Speaker 4: So the thing is the one thing is somebody buy
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  Speaker 4: and now there might not be as much competition. Let's
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  Speaker 4: say these rates drop down below six percent, which is
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  Speaker 4: a good chance that can happen in the next twelve
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  Speaker 4: months eighteen months, You're going to have a lot of
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  Speaker 4: competition and drive the price up. So the ability to
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  Speaker 4: be able to buy something now and rates come down,
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  Speaker 4: you can always refinance and get that take advantage at
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  Speaker 4: a lower rate, and you're not paying twenty thirty fifty
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  Speaker 4: grand more for the same house.
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  Speaker 1: What man for folks that are that are kind of looking,
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  Speaker 1: What are some of the challenges some of those biggest
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  Speaker 1: kind of hurdles that are facing both sellers and buyers
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  Speaker 1: right now.
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  Speaker 3: Well, I would say on the seller side, you know,
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  Speaker 3: many listings are sitting a little bit longer, but it's
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  Speaker 3: it's not significant. You know, at the moment, every single
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  Speaker 3: house that we have listed hasn't accepted offer. Oh yeah, so,
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  Speaker 3: which is given it's February. So I do think this
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  Speaker 3: spring is going to be hot, and I think that
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  Speaker 3: the sooner buyers can get into the market. If you
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  Speaker 3: can get if you can get out there and start
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  Speaker 3: shopping for homes while there's still snow on the ground,
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  Speaker 3: you've got an advantage over all the other buyers that
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  Speaker 3: are waiting until the warm weather, because then you'll be
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  Speaker 3: you'll be overpaying, you know, compared to where you're paying
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  Speaker 3: for what you're paying right now, and.
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  Speaker 1: West are you saying that's that's same on the on
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  Speaker 1: the mortgage side, with with folks the same kind of
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  Speaker 1: we are.
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  Speaker 4: And you know, like Matt said, he hit the nail
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  Speaker 4: on the head here the market we're in here A
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  Speaker 4: lot of times there's a switch that turns on, and
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  Speaker 4: it could be March first, February twentieth, March fifteenth. What
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  Speaker 4: I've seen over the last several years. You know, you
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  Speaker 4: get January. I always say super Bowl, right after super Bowl,
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  Speaker 4: lookout and within thirty days there's like a switch and
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  Speaker 4: it goes off, and you know there's more competition. So
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  Speaker 4: you know, the people right now are trying to buy something,
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  Speaker 4: I think got a better advantage than maybe thirty days
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  Speaker 4: sixty days down the road, because the competition is going
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  Speaker 4: to drive the prices up.
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  Speaker 1: So's what's going to man Like, if you're looking to
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  Speaker 1: buy a home pre approval? How does I mean? I
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  Speaker 1: remember back in the day that was kind of what
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  Speaker 1: you want to do? Is that still the or is
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  Speaker 1: it more or less? Or what For people that are
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  Speaker 1: listening this morning saying, you know what we're looking to
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  Speaker 1: looking to buy, what should the action should they be
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  Speaker 1: taking and what's kind of that minimum?
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  Speaker 4: Well, I think the thing is to get pre approved
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  Speaker 4: number one, And like I said, they can reach out
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  Speaker 4: or go right to my website, you know, Thompson Kane
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  Speaker 4: dot com to get pre approved or reach out to
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  Speaker 4: me directly. But the key is there, you want to
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  Speaker 4: be able to know what you're pre approved for, so
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  Speaker 4: you're not going looking at houses that you know it's
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  Speaker 4: not in your budget. And I think the realtors too
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  Speaker 4: like to know so that you know they can send
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  Speaker 4: them the houses that meets her criteria, which is huge.
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  Speaker 1: Yeah, and Matt with that, you know, working with with
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  Speaker 1: with Thompson Kine and working with Wes as your preferred lender,
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  Speaker 1: that's got to help too for for your agents having
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  Speaker 1: that that obviously that relationship already well established, being able
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  Speaker 1: to work back and forth and really help people narrow
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  Speaker 1: down what they're looking for when it comes to buying
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  Speaker 1: that home.
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  Speaker 3: Yeah, I would say that helps helps both buyers and
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  Speaker 3: sellers that have to buy right. So on the buy side,
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  Speaker 3: they've got a lot of different programs that put the
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  Speaker 3: buyer up kind of ahead of other buyers in the market, right,
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  Speaker 3: so they can come in with Thomson Kain's Cash Offer program,
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  Speaker 3: which is a neat program that really gives the flexibility
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  Speaker 3: to a buyer to be able to drop like financing
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  Speaker 3: contingencies and such if needed, and it puts their offer
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  Speaker 3: above other buyers and on the sell and buy side.
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  Speaker 3: You know, one of the biggest issues is if you
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  Speaker 3: have a home to sell and you want to buy,
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  Speaker 3: the buy side's very difficult, right, It's hard to get
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  Speaker 3: that offer accepted with a sale of home contingency. And
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  Speaker 3: Thomson Kain can have some flexibility in that to make
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  Speaker 3: sure that the transition transactions a little smoother and we're
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  Speaker 3: able to make that thing happen, you know, doing two
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  Speaker 3: transactions for one client.
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  Speaker 1: Well, it's fantastic when Wes let's talk about those features
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  Speaker 1: that that Matt was just talking about. Sounds like, you know,
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  Speaker 1: as we talk about some of the different hurdles that
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  Speaker 1: folks that folks may face when getting lending, buying a home,
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  Speaker 1: or selling a home, you guys have really worked to
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  Speaker 1: completely clear those hurdles.
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  Speaker 4: You hit the dail on the head and like I said,
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  Speaker 4: it's in our market here, it's almost impossible to write
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  Speaker 4: off or contingent on selling your house. So the thing
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  Speaker 4: is to be able to have products that hey, if
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  Speaker 4: somebody needs to do a bridge loan or they need
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  Speaker 4: a he loock to borrow money from the equity in
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  Speaker 4: their house to buy the next house. Have the flexibility
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  Speaker 4: and walk people through is the key factor. You know,
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  Speaker 4: every client is different, their scenarios are different, and being
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  Speaker 4: able to understand and you know, being able to walk
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  Speaker 4: them right through what needs to be done on the
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  Speaker 4: bridge loans A line is the credit. The cash offer
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  Speaker 4: is huge. Sellers want cash offer. It's a game changer.
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  Speaker 4: And what I found in this market is with our
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  Speaker 4: cash offer for its beaten competition and it's getting better
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  Speaker 4: prices on houses that doesn't have all the contingency flexibility.
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  Speaker 4: That's one thing that Thompson came. We have it and
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  Speaker 4: know how to work through it to help clients and
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  Speaker 4: you know, get them accepted offers. It's as simple as that.
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  Speaker 1: With that, and Matt, I think you touched on it,
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  Speaker 1: but I think maybe elaborate a little bit on this
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  Speaker 1: is with that you know that cash offer and things.
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  Speaker 1: Obviously your agents in the real world seeing this this
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  Speaker 1: play out really does make make the deals move smoother
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  Speaker 1: and far more, far more, far more likely to be
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  Speaker 1: to be closed.
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  Speaker 3: Yeah, yeah, I mean it gives us more confidence with
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  Speaker 3: our clients that if this is the house, right. You know,
• 12:38
  Speaker 3: let's say we've been through five houses and this is
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  Speaker 3: the house, and you know they're competing. It's let's say
• 12:44
  Speaker 3: five with their buyers. Yeah, gives us the confidence to
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  Speaker 3: go in and know that we have a good chance
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  Speaker 3: of getting that offer accepted versus others people do.
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  Speaker 1: I don't think people realize you mentioned when you find
• 12:55
  Speaker 1: the house, how emotional that can be for the for
• 12:58
  Speaker 1: the you know, if you're if you're a home buyer,
• 13:00
  Speaker 1: you see this, you know, there's just something I think
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  Speaker 1: and obviously you get to experience this on a daily basis.
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  Speaker 1: Is people find that home and there's just something there
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  Speaker 1: like this is this is perfect, this is the great neighborhood.
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  Speaker 1: Walked in the front door, it just felt like something.
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  Speaker 1: And to have, you know, working with it with a
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  Speaker 1: great lender and have all of your ducks in a
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  Speaker 1: row and having that confidence really allows you to kind
• 13:21
  Speaker 1: of to really enjoy that process. There's nothing worse than
• 13:25
  Speaker 1: walking through that front door, falling in love and then
• 13:27
  Speaker 1: having those those dreaded questions of like are you going
• 13:30
  Speaker 1: to be able to get this deal done? And what
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  Speaker 1: a great you know, what a great experience having that
• 13:36
  Speaker 1: that team around you from from uh, you know, the
• 13:39
  Speaker 1: folks at Rock real Tea and of course the folks
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  Speaker 1: at Thompson Kine having that put together.
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  Speaker 3: Yeah, and you know, you know, sometimes you notice the
• 13:46
  Speaker 3: house a day or two late. Oh yeah, and offers
• 13:50
  Speaker 3: are due and they're due that evening of the day
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  Speaker 3: you walk through. And if you don't have your ducks
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  Speaker 3: in a row, yeah, if you aren't ready to pull
• 13:58
  Speaker 3: that trigger, if you haven't already have those discussions with
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  Speaker 3: your realtor to talk about the different contingencies that are
• 14:03
  Speaker 3: important to you, you can miss out.
• 14:06
  Speaker 1: And yeah, that's that's not the best feeling.
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  Speaker 5: Now.
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  Speaker 3: The good feeling is when you're when you're on a showing.
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  Speaker 3: It's usually this is what I notice, right If I'm
• 14:14
  Speaker 3: on a showing with buyers and they're just not really
• 14:17
  Speaker 3: motivated to leave the house during the show.
• 14:21
  Speaker 6: That's technically a good Yeah, chilling in the living room
• 14:25
  Speaker 6: that you decided to sit on the couch like they're
• 14:28
  Speaker 6: watching TV.
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  Speaker 1: Yeah, that's that's really a good sign about a fantastic fit.
• 14:32
  Speaker 1: They're talking this morning, Matty. But of course Matt Comess
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  Speaker 1: from Rock Realty Online, Rock Wisconsin dot com, that's Rock
• 14:39
  Speaker 1: r o. C. K Wisconsin dot com got a guest
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  Speaker 1: along this morning, West Kane of Thompson Kane. Their website
• 14:45
  Speaker 1: Thompson Kane dot com. That's Thompson k A n E.
• 14:49
  Speaker 1: Thompson Kane all one word dot com. You can learn
• 14:51
  Speaker 1: more there as well. We're talking, we'll talk a little
• 14:53
  Speaker 1: bit more about real estate and mortgage lending. We'll do
• 14:56
  Speaker 1: all of that next meantime. M been to the website
• 14:58
  Speaker 1: Rock Wisconsin dot com. Get over there, check it out.
• 15:00
  Speaker 1: It's so much fun to check out the houses there.
• 15:03
  Speaker 1: And I've been thinking about listing your home, thinking about
• 15:04
  Speaker 1: buying a home. Of course you can learn more online
• 15:07
  Speaker 1: Rock Wisconsin dot com. Of course Rock Realty brings. You
• 15:09
  Speaker 1: asked the experts right here on thirteen ten WIBA thirty
• 15:13
  Speaker 1: TWIBA and asked the experts hanging out this morning with
• 15:16
  Speaker 1: that heintment of Rock Realty and Wes Kane of Thompson
• 15:19
  Speaker 1: kin And you know, we were just talking there. Wes
• 15:23
  Speaker 1: nights and weekends. Are you are lenders work nights?
• 15:26
  Speaker 4: Guys?
• 15:27
  Speaker 1: Aren't you guys kind of like bankers? So I would
• 15:29
  Speaker 1: assume there's like bankers hours. No, Now you're looking at
• 15:31
  Speaker 1: me like, yeah, bout time I wish.
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  Speaker 4: Yeah.
• 15:35
  Speaker 2: Yeah.
• 15:37
  Speaker 4: You know the world we live in and the mortgage
• 15:40
  Speaker 4: bank industry, you know, nights and weekends, and that's a
• 15:43
  Speaker 4: lot of times when the transactions go on. People get
• 15:45
  Speaker 4: off work and go look at houses. We're putting together
• 15:48
  Speaker 4: deals at six seven o'clock at night, Saturdays and Sundays.
• 15:52
  Speaker 4: You know, I kid friends sometimes that Sunday could be
• 15:55
  Speaker 4: my busiest day of the week. It happens we're next
• 15:57
  Speaker 4: day no nine o'clock till six o'clock. You know, people
• 16:01
  Speaker 4: are looking at houses one and get pre approved right offers.
• 16:03
  Speaker 1: Oh that is that's great to hear you think about. Yeah,
• 16:06
  Speaker 1: and that's a good good point is when these when
• 16:08
  Speaker 1: this stuff is happening, you were we were talking to
• 16:10
  Speaker 1: it in the last segment about the cash offer program.
• 16:14
  Speaker 1: We got a little bit of Matt's perspective from the
• 16:15
  Speaker 1: real estate side. Let's talk about that that offer, that
• 16:18
  Speaker 1: that program from your side as a lender, this has
• 16:21
  Speaker 1: got to make uh, you know, nobody likes doing a
• 16:25
  Speaker 1: bunch of work for things that don't work out. I've
• 16:27
  Speaker 1: got a guess with this cash offer thing, guys are
• 16:29
  Speaker 1: able to get that work done and then see a
• 16:31
  Speaker 1: huge success rate because of it.
• 16:33
  Speaker 4: It's really a game changer. We rolled it out three
• 16:35
  Speaker 4: years ago, and sellers when they're selling houses, they want cash,
• 16:40
  Speaker 4: they want to guarantee, and it's something that I realize
• 16:43
  Speaker 4: it's a need for my clientele. And what it does
• 16:47
  Speaker 4: is there's competition. It's going to get your offer accepted
• 16:51
  Speaker 4: because a lot of people a writing with regular pre approvals.
• 16:53
  Speaker 4: And then the other thing it does. I don't know
• 16:55
  Speaker 4: how many times we get a better price on the
• 16:58
  Speaker 4: house than just writing with the their preapproval. And I
• 17:01
  Speaker 4: notice a lot is we might not even be the
• 17:04
  Speaker 4: highest offer, and we get the offer accepted because it's
• 17:08
  Speaker 4: cash compared to somebody with the regular preapproval. So it's
• 17:11
  Speaker 4: really it's what I tell clients is a lot of
• 17:15
  Speaker 4: time what I see on average when you're doing if
• 17:18
  Speaker 4: you qualify for our cash offer, you're writing on one
• 17:20
  Speaker 4: or two houses and we're getting accepted.
• 17:22
  Speaker 1: Oh that is great, and there's more give more information,
• 17:25
  Speaker 1: of course, Thompson Kine's website, Thompson Kine dot com. That's
• 17:28
  Speaker 1: Thompson ka n E all one word Thompson Kane dot com.
• 17:32
  Speaker 1: Of course, this is asked the experts with Rockrealty talking
• 17:35
  Speaker 1: with Wes Kine and Matt Heyman. Of course, Matt comes
• 17:37
  Speaker 1: to us from Rockrealty their website Rock Wisconsin dot com.
• 17:41
  Speaker 1: That's our o c K Wisconsin dot com. And and Wes,
• 17:45
  Speaker 1: I was going to ask you too about term lengths.
• 17:47
  Speaker 1: Is how long you know we think of like traditional
• 17:50
  Speaker 1: thirty fifteen year mortgages, And I was asking you is
• 17:54
  Speaker 1: there flexibility and your reaction this is probably one of
• 17:57
  Speaker 1: those where I wish we were on air during the
• 17:59
  Speaker 1: during the break because you're just like, oh, yeah, we can,
• 18:01
  Speaker 1: we can do it all. Very flexible.
• 18:04
  Speaker 4: Yes, you know, if you want to eleven here mortgage, great,
• 18:06
  Speaker 4: We'll set you out whenever you want. Yeah, five year,
• 18:09
  Speaker 4: seventeen year, twenty two year, whatever you're looking for, we'll
• 18:13
  Speaker 4: set you up, get you taken.
• 18:14
  Speaker 1: You'll take a sixty please, We're kind.
• 18:18
  Speaker 4: Of limited on.
• 18:21
  Speaker 2: Somebody say can you give me a hundred? Well, that
• 18:25
  Speaker 2: hasn't come into effect. Yeah, and I'll let you know
• 18:27
  Speaker 2: right away. Run and we'll let everybody know all that's up.
• 18:31
  Speaker 2: But that that is that is really really great stuff
• 18:34
  Speaker 2: for folks. And uh, Matt when working when working with
• 18:38
  Speaker 2: with home buyers and home sellers, and kind of seeing
• 18:41
  Speaker 2: how the how the process works out.
• 18:43
  Speaker 1: Day in and day out. I know that one of
• 18:46
  Speaker 1: the things for buyers you guys really work with is
• 18:49
  Speaker 1: getting that that financing in place and having everything everything
• 18:53
  Speaker 1: set up for sellers. When when you have people potential
• 18:56
  Speaker 1: buyers coming in again with that cash offer and those
• 18:59
  Speaker 1: type of things, are your agents kind of pointing out like, hey,
• 19:02
  Speaker 1: this is you want to get this deal done, this
• 19:04
  Speaker 1: is this is the way to go.
• 19:05
  Speaker 3: There's I mean, there's a number of things that can
• 19:07
  Speaker 3: make a deal fall through, right. Paramount is you know
• 19:13
  Speaker 3: the financing right, and if the homework can be done
• 19:17
  Speaker 3: ahead of time, which is what thoms Kain does, right,
• 19:20
  Speaker 3: They're not just.
• 19:21
  Speaker 5: Given to anybody, but you know, giving it to qualified buyers, right,
• 19:25
  Speaker 5: and they know that the house value is there, right,
• 19:29
  Speaker 5: they can do things to make everything easier.
• 19:32
  Speaker 3: And one of the things I wanted to mention was
• 19:35
  Speaker 3: when buyers have their ducks in a row, yeah they've
• 19:37
  Speaker 3: already talked to Thompson Kaine, they can close quicker too,
• 19:41
  Speaker 3: so oh yeah, I mean you could be closing in
• 19:43
  Speaker 3: ten fourteen days versus thirty days. And again a seller
• 19:47
  Speaker 3: that finds that very attractive.
• 19:49
  Speaker 1: In the world of order it now on my front
• 19:52
  Speaker 1: doorstep tomorrow, or maybe even send some cases depending on
• 19:55
  Speaker 1: how earlier expediency is. I mean, the world moves so fast,
• 19:59
  Speaker 1: and that's that is interesting to not only the want
• 20:02
  Speaker 1: to buy the home, but the want to sell the
• 20:04
  Speaker 1: home as well.
• 20:05
  Speaker 3: Is Yeah, at Rockrealty and thoms Kane we offer prime delivery.
• 20:09
  Speaker 1: I love put that right talking this morning with Matt Hyman,
• 20:16
  Speaker 1: of course of Rockrealty online Rock Wisconsin dot com that's
• 20:19
  Speaker 1: Rock R O C K Wisconsin dot com. If you're
• 20:21
  Speaker 1: looking to buy, you can get to know the agent's
• 20:23
  Speaker 1: at Rock Realty. You can also set up a phone
• 20:24
  Speaker 1: call to send on over to Wisconsin. Buy your Agent
• 20:27
  Speaker 1: dot com. That's Wisconsin Buyer Agent dot com. All singular.
• 20:31
  Speaker 1: Check out that website and set up that appointment, start
• 20:34
  Speaker 1: that call, start that conversation. Of course, Joined and studio
• 20:37
  Speaker 1: by Wes Kane West is with Thompson Kane. If you
• 20:39
  Speaker 1: can learn more online Thompson Kane dot com mentioned you
• 20:44
  Speaker 1: know everybody having their stuff writing and qualified. Do you
• 20:47
  Speaker 1: ever run into a situation where somebody they want to
• 20:49
  Speaker 1: but now may not be the time. And are you
• 20:51
  Speaker 1: guys able to help people kind of assist them to
• 20:53
  Speaker 1: get that gets that goal. We do all the time.
• 20:56
  Speaker 4: And the biggest thing there is times where you know,
• 20:58
  Speaker 4: people just don't know. Yeah, and you know, I'm able
• 21:03
  Speaker 4: to say, hey, let's let's pull everything, let's pull credit,
• 21:06
  Speaker 4: let's look at income, let's take a look at everything,
• 21:09
  Speaker 4: and then hey, here's the steps we need to do
• 21:11
  Speaker 4: to get you where you need to be. That happens
• 21:14
  Speaker 4: a lot and or we you know, if it's if
• 21:17
  Speaker 4: it's getting credit up, if it's working on income part
• 21:21
  Speaker 4: of things, on suggestions, maybe more for down payment. So
• 21:26
  Speaker 4: it's flexibility and educating buyers what they need to do
• 21:29
  Speaker 4: to make things happen.
• 21:30
  Speaker 1: That is really really good to hear. Of course, talking
• 21:32
  Speaker 1: with West can this morning of Thompson Kane. Before we
• 21:35
  Speaker 1: wrap this morning, Matt, one more, look at this week's
• 21:38
  Speaker 1: featured listing, which is a six acre lot. This is
• 21:42
  Speaker 1: in you said, this is in Dane County. Yeah, so
• 21:45
  Speaker 1: it's a Marshall. It's six acres in Dane County. Can
• 21:48
  Speaker 1: you imagine?
• 21:49
  Speaker 4: Can you?
• 21:50
  Speaker 3: And it's only two hundred and eighty five thousand dollars
• 21:53
  Speaker 3: six acres partially wooded in between Marshall and some Prairie
• 21:58
  Speaker 3: andy Tt there and it's it's ready, it's ready for
• 22:03
  Speaker 3: that new build whether small or big, and just a
• 22:07
  Speaker 3: nice scenic place for a new construction home.
• 22:10
  Speaker 1: Just about the perfect spot. Check that out. Of course,
• 22:12
  Speaker 1: you can learn more online at rock Wisconsin dot com.
• 22:15
  Speaker 1: That's Rock r Ock Wisconsin dot com or give just
• 22:18
  Speaker 1: give Jason a call. He is the agent on this.
• 22:20
  Speaker 1: Jason Allen telphone number six so eight five one six
• 22:23
  Speaker 1: seventy one fifty. That's five one six seventy one fifty.
• 22:26
  Speaker 1: Before we wrap wes any takeaways, any kind of thing
• 22:28
  Speaker 1: you wanted to share with folks. If there's one thing
• 22:30
  Speaker 1: that that people that are thinking about buying a home
• 22:33
  Speaker 1: or selling their home, one thing that they need to
• 22:35
  Speaker 1: be doing right now, what would you what would you
• 22:36
  Speaker 1: advise them?
• 22:38
  Speaker 4: I would advise just to you know, get pre approved
• 22:43
  Speaker 4: right away. Yeah, you know, get prepared so you know
• 22:45
  Speaker 4: what you're dealing with so there's no surprises. And that's
• 22:48
  Speaker 4: one thing that you know. We can build a plan
• 22:51
  Speaker 4: for all clients and if their first time home buyer,
• 22:53
  Speaker 4: resisting home buyer, if they own a house, need to
• 22:57
  Speaker 4: buy another house, if they don't want to sell their
• 22:59
  Speaker 4: house before they buy the new ones so they have
• 23:01
  Speaker 4: time to move. Building a plan that is the key,
• 23:04
  Speaker 4: and we are fantastic at doing it.
• 23:06
  Speaker 1: Really good stuff and really good, good piece of advice there, Matt.
• 23:10
  Speaker 1: It's always great seeing you, Yeah, but it's a great day.
• 23:12
  Speaker 1: Of course. The website Rock Wisconsin dot com wes great
• 23:15
  Speaker 1: to have you back as well. Yes, you, sir, have
• 23:17
  Speaker 1: a fantastic day, by the way, And I will tell
• 23:19
  Speaker 1: you they're both so much fun to hang out with.
• 23:21
  Speaker 1: And I think part of it is I think they really,
• 23:23
  Speaker 1: actually I know this, love what they do. And that's
• 23:25
  Speaker 1: one of the cool things about working with the guys,
• 23:27
  Speaker 1: whether the folks at Rockrealty of course, also the folks
• 23:30
  Speaker 1: at Thompson Kines just really really good folks. You can
• 23:33
  Speaker 1: learn more online, of course, Rock Wisconsin dot com, Thompson
• 23:35
  Speaker 1: Kaine's website, Thompson Kine dot com. That's Thompson ka n
• 23:39
  Speaker 1: e dot com. Vicky McKenna, she has chance for you
• 23:42
  Speaker 1: one a thousand dollars. You can even use that for
• 23:44
  Speaker 1: a down payment. She has that opportunity for you next
• 23:46
  Speaker 1: year at thirteen ten Wida