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Assessments with Rock Realty · Ask The Experts

0:00
Speaker 1: Joining me in studio this morning is Matt Heyman of
0:02
Speaker 1: Rock Realty.
0:03
Speaker 2: Matt, how you been. Oh, I've been good. I've been good.
0:05
Speaker 3: Enjoying this rainy day.
0:06
Speaker 2: Yeah, I think we needed some rain.
0:10
Speaker 3: Yeah, I did notice the grass was getting a little discolored.
0:13
Speaker 2: Yeah, the ground was really solid.
0:16
Speaker 1: So it's good for all, good for everyone to get
0:18
Speaker 1: a little bit of rain. And we've got a great
0:20
Speaker 1: conversation this week. We're going to be talking about understanding
0:23
Speaker 1: the appraisal process and different options as well that you
0:26
Speaker 1: would apply with your your appraisal. They're going to need them,
0:29
Speaker 1: whether it's like a FAHA or VA. Talk about some
0:32
Speaker 1: of those loan programs in just a moment with Matt.
0:35
Speaker 1: But first, of course, we always do a featured listing
0:38
Speaker 1: in this week, Matt, you brought a palace.
0:40
Speaker 2: You brought for.
0:41
Speaker 1: Folks that have spent any time in Janesville, they know this.
0:45
Speaker 1: There is a couple of really historic neighborhoods with these
0:50
Speaker 1: just amazing homes that have been so well taken care
0:54
Speaker 1: of and great neighborhoods. And this week's featured listing is
0:57
Speaker 1: a beautiful home in one of those very neighborhoods. Let's
1:01
Speaker 1: talk about this, uh, this house on Garfield Street in Janesville.
1:05
Speaker 3: Yeah, it's in that Jefferson Avenue Historical district. Just a
1:10
Speaker 3: magnificent like colonial that's been really well preserved as awesome
1:14
Speaker 3: curb appeal, huge home, twenty eight hundred square feet and
1:21
Speaker 3: you know you're sitting with a three bedroom, two and
1:23
Speaker 3: a half bath over a third acre lot, just about
1:27
Speaker 3: everything you'd want. And something like this, you know.
1:30
Speaker 1: It's and it's as you look at it too, it's
1:32
Speaker 1: it could fit in like in like Washington, d C.
1:35
Speaker 2: I mean, it's like one of those kind of.
1:36
Speaker 1: Nice yeah, the styling and when we talk about houses
1:42
Speaker 1: like the houses like this don't go on the market
1:45
Speaker 1: all that often. These are the type of homes like
1:47
Speaker 1: this house. I don't know the history of it, but
1:50
Speaker 1: I'm gonna guess whoever owns it or owned it previously
1:53
Speaker 1: probably had it. It may have been a generational type thing.
1:55
Speaker 1: These are like those kind of houses that that people
1:57
Speaker 1: just hold on to. And what a great opportunity to
2:00
Speaker 1: have something like that.
2:01
Speaker 2: Yeah, exactly.
2:02
Speaker 3: And it's an area of people kind of are waiting
2:05
Speaker 3: to move into. You know that it's you know, it's
2:08
Speaker 3: not for everybody. But for those that are looking for,
2:10
Speaker 3: you know, a colonial with just a ton of character.
2:13
Speaker 3: I mean, this thing has three different woodburning fireplaces, like
2:17
Speaker 3: how often do you say that? Exactly, sunroom, formal dining room,
2:23
Speaker 3: it's just just really tastefully updated kitchen. Just just an
2:27
Speaker 3: awesome home. And it's located at to two South Garfield
2:31
Speaker 3: Avenue in Janesville, currently listed for five hundred and nine
2:35
Speaker 3: thousand dollars.
2:36
Speaker 2: Three bedroom, two and a half bath.
2:37
Speaker 1: Today's day to call Lindsay if you are looking for
2:40
Speaker 1: a really just a beautiful home, kind of a little
2:43
Speaker 1: a statement piece, something that I guarantee, if there's something
2:46
Speaker 1: you see yourself in, You'll be talking with your friends
2:48
Speaker 1: and family for years about the reason why you bought
2:53
Speaker 1: this house, because it isn't showing it off. You'll be
2:54
Speaker 1: doing Christmas and the holidays there because it is.
2:56
Speaker 2: A beautiful home.
2:57
Speaker 1: Give Lindsay a call this morning six of eight nine three,
3:00
Speaker 1: one seventy eight sixty three. That's six oh eight nine three,
3:03
Speaker 1: one seventy eight sixty three to talk to Lindsey about
3:07
Speaker 1: the showing for this beautiful home on Garfield Avenue.
3:09
Speaker 2: Again.
3:10
Speaker 1: You also check it out rock Wisconsin dot com. That's
3:12
Speaker 1: Orock Wisconsin dot com. We've only scratched the surface on
3:17
Speaker 1: some of the really cool features of home. So we'll
3:19
Speaker 1: talk a little bit more about this week's featured listing
3:21
Speaker 1: a little bit later on the program. This week, though,
3:23
Speaker 1: we're going to talk a little bit about the appraisal process.
3:25
Speaker 1: And uh, kind of sounds straightforward, and then you start
3:30
Speaker 1: getting into it and you're like, oh, this is an
3:31
Speaker 1: interesting There's a little bit more to it than just
3:34
Speaker 1: simply going, Ah, that house about three hundred thousand, I
3:38
Speaker 1: write a thing out there, you go. A lot of
3:40
Speaker 1: work goes into it. Let's talk about a little bit
3:42
Speaker 1: about the appraisal process and why you need an appraisal
3:46
Speaker 1: if you're buying a home with a mortgage.
3:48
Speaker 3: Yeah, and sometimes it gets confused with the assessment.
3:51
Speaker 2: Oh yes, right, Yes.
3:52
Speaker 3: The assessment's just something that you know, when the local
3:56
Speaker 3: municipality your town or city sends out somebody to try
3:59
Speaker 3: to get evaluation kind.
4:00
Speaker 2: Of a just tax design you.
4:02
Speaker 4: Yes, the appraisal offer, that's that's.
4:04
Speaker 3: For the lender, right for the most part. You know,
4:07
Speaker 3: you can order your own appraisal if you're offering in cash,
4:11
Speaker 3: just to kind of get that comfort level that you're
4:13
Speaker 3: not overpaying. But in general, every lender is going to
4:16
Speaker 3: require an appraisal. So after you have a home under contract,
4:21
Speaker 3: at that point, the buyer's lender will send out an
4:24
Speaker 3: appraisal or appraiser to go take a get evaluation of
4:27
Speaker 3: the property.
4:28
Speaker 1: Start learning terms like loan to value and some other
4:31
Speaker 1: other terms as well. When you work through that, uh,
4:34
Speaker 1: that process, and it's it's it's kind of cool to see.
4:37
Speaker 1: Is I think one of the things that I'm always
4:39
Speaker 1: kind of jealous of you and the team at Rock
4:41
Speaker 1: Real team Att is you guys get to show people
4:45
Speaker 1: homes and every home is unique and they've got unique features,
4:49
Speaker 1: even if they're brand spanking new, there's they're all a
4:52
Speaker 1: little bit different houses that are there that have had
4:55
Speaker 1: folks live in them. There's different features added and upgrades made.
4:58
Speaker 1: You guys get get a chance to kind of to
5:00
Speaker 1: show off those things and accentuate some of those things.
5:04
Speaker 1: But those things also affect a property value, and appraisers
5:06
Speaker 1: also take those things into consideration. What about like when
5:11
Speaker 1: we think about this, like the baseline for it, I
5:13
Speaker 1: hear about this word like comps or comparables. What are
5:16
Speaker 1: they talking about there? In the praisal words.
5:17
Speaker 2: Sure, yeah.
5:18
Speaker 3: In general, an appraiser is going to obviously look at
5:23
Speaker 3: all the facts. They're going to look at how much
5:24
Speaker 3: land it has, the size of it, the age of
5:27
Speaker 3: the home, the condition of the home. You know, how
5:29
Speaker 3: many bathrooms, how many bedrooms, how big is the garage, right,
5:34
Speaker 3: and then you know, try to come up with a
5:36
Speaker 3: professional opinion of price. Right, so you know, the realtor
5:41
Speaker 3: can give an idea of what they think home is worth,
5:44
Speaker 3: but the appraisal appraiser is that's their job is to
5:47
Speaker 3: actually identify an exact number that they're they're in their
5:51
Speaker 3: professional opinion what the home is worth. So they will
5:54
Speaker 3: take that it will compare it to homes that have
5:57
Speaker 3: previously sold and sometimesclude some active listings, but for the
6:01
Speaker 3: most part they're looking at sold listings and they want
6:04
Speaker 3: to have that really tight radius, you know, two to
6:06
Speaker 3: three mile radius, fairly recent so they don't want to
6:10
Speaker 3: compare something and sold twenty twenty one. You know, you'd
6:12
Speaker 3: want it to be probably sold in the last three
6:14
Speaker 3: to six months, and then they're going to make some
6:17
Speaker 3: adjustments and figure out what the homes value is.
6:19
Speaker 1: Is that number firm let's say For example, I find
6:22
Speaker 1: a house and I'm absolutely in love with it. Of
6:25
Speaker 1: course my lender wants to get an appraisal. Maybe the
6:27
Speaker 1: appraisal comes in a little bit lower than expected, and maybe,
6:31
Speaker 1: I mean, nobody's perfect. And obviously an appraisal is really
6:35
Speaker 1: an estimate based on their understanding, their knowledge, and appraisers
6:39
Speaker 1: do fantastic work. But is that something Sometimes you can say, well,
6:42
Speaker 1: maybe something was overlooked or maybe you know, like is
6:45
Speaker 1: that concrete, Like once an appraisal comes through, is it
6:48
Speaker 1: locked at that appraised price?
6:50
Speaker 2: Or you know, there are some options.
6:51
Speaker 3: For disputing it where you can give examples and say, hey,
6:55
Speaker 3: what about these comparables? Right, It's it's kind of rare,
6:59
Speaker 3: and it depends the loan type. But yeah, I have
7:02
Speaker 3: had appraisers come from out of state and end up
7:05
Speaker 3: blowing up a deal because they had no idea what
7:07
Speaker 3: they were talking about.
7:07
Speaker 4: So that can happen.
7:09
Speaker 3: So that's why it's important to work with a local
7:10
Speaker 3: lender that has a board a group of appraisers that
7:14
Speaker 3: he trusts because he knows that they're very experienced in
7:17
Speaker 3: the local market.
7:19
Speaker 1: And for folks that are wondering the appraiser is hired
7:24
Speaker 1: and works for the lending and they're not. They're not
7:27
Speaker 1: somebody that as a potential buyer or as a potential
7:30
Speaker 1: seller I'm involved in. It's it's the bank or the
7:33
Speaker 1: lending institution that would be.
7:35
Speaker 3: Yeah, with a recent financing rule changes, you know, I
7:39
Speaker 3: think it was an O nine. I believe it was
7:41
Speaker 3: related to Dodd Frank has to be an independent company, right,
7:46
Speaker 3: but you know, it can still have a relationship with
7:49
Speaker 3: the lender if you will, right.
7:51
Speaker 1: So It's been a long time since I've had we
7:53
Speaker 1: had our appraisal in our house, but I do remember,
7:56
Speaker 1: and I don't know if this is universal, but the
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Speaker 1: appraiser also sent us as as potential buyers and ultimate
8:03
Speaker 1: buyers like their report and it was kind it's to
8:05
Speaker 1: this day, I still have it. It's kind of neat
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Speaker 1: to see a lot of pictures were taken, a lot
8:10
Speaker 1: of notes were taken. It's interesting to see like what
8:13
Speaker 1: the house looked like and what was there when you
8:16
Speaker 1: moved in and kind of changed, like that. Is that
8:17
Speaker 1: is that typical? Or is that is that something that
8:20
Speaker 1: that's maybe a little bit unique.
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Speaker 4: So, yeah, the appraisal is paid for essentially by the buyer.
8:25
Speaker 3: Right, so it is owned to buy the buyer. Okay,
8:27
Speaker 3: all right, you have the choice of selling it to
8:29
Speaker 3: the cellar, but are sending that to the cellar. But
8:31
Speaker 3: sometimes when that comes in much higher value, you don't
8:34
Speaker 3: want to sell it. They know that, right, Yeah, so yeah,
8:37
Speaker 3: the you know, it's neat. I always keep all the
8:40
Speaker 3: appraisal reports. It's neat to look in there and see
8:43
Speaker 3: how they did their math and how they you know,
8:46
Speaker 3: added some value for the finished basement, reduced some value
8:48
Speaker 3: for the size of the bedrooms, and you can see
8:50
Speaker 3: all that.
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Speaker 1: And it also helps too with calculating. You know, when
8:53
Speaker 1: you start looking towards you know, you do buy the house,
8:56
Speaker 1: what's your insurance going to be? Those type of things
8:58
Speaker 1: like having some type of number that things are based
9:00
Speaker 1: off can really help you do those calculations for when
9:03
Speaker 1: you do actually buy the home.
9:05
Speaker 2: Yeah.
9:05
Speaker 3: Absolutely. And you know, when you're ensuring a property, you
9:08
Speaker 3: also want to make sure that you're ensuring it sometimes
9:10
Speaker 3: for replacement value, sometimes for cash value depending on what
9:14
Speaker 3: you're doing there. And replacement value it means, hey, how
9:17
Speaker 3: much is this going to cost brand new?
9:18
Speaker 4: Yeah, So it's two big differences there.
9:21
Speaker 1: So if you're a viewer of the Antiques Roadshow. You're
9:24
Speaker 1: familiar with both of those, all of those terms quite so.
9:28
Speaker 1: Fantastic programming. By the way, speaking of fantastic programming, hanging
9:31
Speaker 1: out this morning with Matt Heyman of Rockrealty Online Rockwisconsin
9:35
Speaker 1: dot com. That's Rock Rock Wisconsin dot com. There's top
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Speaker 1: number six oh eight six seven three fifty four hundred.
9:41
Speaker 1: That's six oh eight six seven three fifty four hundred.
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Speaker 1: I mentioned the website Rockwisconsin dot com. They've also got
9:46
Speaker 1: a complimentary app that goes along with their website. If
9:49
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9:52
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9:54
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Speaker 1: to you at MLS dot rockslash Apps. We're going to
10:09
Speaker 1: continue our converse app sing Dealer. Going to your conversation
10:12
Speaker 1: with Matt, I will talk a little bit about so
10:14
Speaker 1: you get the appraisal process, where does that apply, and
10:16
Speaker 1: things like VA loans and some of the FAHA loans. Obviously,
10:21
Speaker 1: appraisals come into play pretty significantly in those areas. We'll
10:24
Speaker 1: talk with Matt about that and so much more as
10:26
Speaker 1: Ask the Experts with Rockrealty continues right here on thirteen
10:29
Speaker 1: ten Double U I B A eight forty eight thirteen ten,
10:32
Speaker 1: Double U I B A and Ask the Experts brought
10:35
Speaker 1: you by Rockrealty Online. Rock Wisconsin dot Com. That's r
10:39
Speaker 1: O c K Wisconsin dot com. Rock Wisconsin dot Com.
10:42
Speaker 1: Great website for you.
10:44
Speaker 2: Of course, you.
10:44
Speaker 1: Can learn more about Rock wiscons Rockrealty at rock Wisconsin
10:48
Speaker 1: dot com. Also check out listing. Speaking of listings, also
10:51
Speaker 1: rocklistings dot Com. That's rocklistings dot Com. And Matt, let's
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Speaker 1: talk about one of the really cool features that you
10:58
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11:03
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11:23
Speaker 2: Yeah, I just love it.
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11:27
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Speaker 1: It's a really really cool program. And of course all
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Speaker 1: the details available at rocklistings dot com. That's rocklistings dot
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Speaker 1: com And Matt we've been talking about appraisals and what
11:54
Speaker 1: they're used for and h and kind of what goes
11:56
Speaker 1: into an appraisal. Some loans are are more stringent as
12:01
Speaker 1: far as what they expect from an appraisal and an appraiser.
12:05
Speaker 1: Others are probably a little bit more lenient, I know,
12:08
Speaker 1: anything having to do with the government's involved.
12:11
Speaker 2: In some way.
12:11
Speaker 3: That's exactly how I was going to describe it.
12:15
Speaker 2: We're on the same bait.
12:16
Speaker 1: They're going to be very very you know, kind of
12:19
Speaker 1: rigid about what they're looking for. And VA Loan, which
12:21
Speaker 1: is an amazing program for folks that have served our
12:25
Speaker 1: nation and it's a great opportunity for those folks to
12:28
Speaker 1: get into a home. But there are some requirements when
12:30
Speaker 1: it comes to appraisals and some other things that folks
12:34
Speaker 1: need to need to understand, aren't there.
12:35
Speaker 2: Yeah.
12:36
Speaker 3: Absolutely, And you know, in general normal conventional financing or
12:39
Speaker 3: other types of local loans, the appraisal has nothing to
12:44
Speaker 3: do with condition per se. I mean, it'll have a
12:46
Speaker 3: little but it's mostly just about valuation. But when you
12:50
Speaker 3: get into government loans that you know give you benefits, right,
12:53
Speaker 3: like a VA loan you can do no money down
12:55
Speaker 3: and faha loan you can do just three and a
12:58
Speaker 3: half percent down. When you get into these government loans,
13:01
Speaker 3: they actually also have some condition stipulation.
13:05
Speaker 4: So I would say the VA is a.
13:07
Speaker 3: Slightly more stringent, but they're both very similar as far
13:11
Speaker 3: as what they're looking for. So things like safety and
13:17
Speaker 3: you know, you know, integrity of this structure are important.
13:22
Speaker 3: So yeah, we've got a few items on here that
13:25
Speaker 3: we can go through.
13:25
Speaker 1: Yeah, and so it's kind of starting off with that,
13:27
Speaker 1: with that safe access thing is and that's something you
13:30
Speaker 1: may not always think about, but I spend enough time
13:33
Speaker 1: up My wife is from the Spooner area, and they
13:36
Speaker 1: don't really have great planners. Nothing against fine folks of Spooner,
13:40
Speaker 1: but over time, like like somebody will own a lot
13:42
Speaker 1: and it'll be completely landlocked and you'll have to have
13:44
Speaker 1: some kind of easement and other things. And that's not
13:47
Speaker 1: universal up there or not uncommon down here either, but
13:51
Speaker 1: you really have to have as part of like the VA,
13:53
Speaker 1: you have to have an actual road that connects.
13:56
Speaker 3: That's that's one thing I don't think about. Yeah, yeah,
13:59
Speaker 3: you need say of access, legal access year round, whether
14:02
Speaker 3: it's a public or private road.
14:04
Speaker 1: So what about as far as the house itself? And
14:08
Speaker 1: this is an interesting part, is uh you would think, well, yeah,
14:12
Speaker 1: of course, but making sure that that that building is
14:15
Speaker 1: sound is definitely a requirement for both both loan programs.
14:20
Speaker 2: Isn't it. Yeah, I would say that.
14:22
Speaker 3: You know, they call it structural integrity, but we're talking
14:24
Speaker 3: about you know, the found foundation for sure, rough leaks,
14:28
Speaker 3: framing problems. You know, if you see some leaking cracks
14:31
Speaker 3: and the concrete in the basement, then that might be
14:33
Speaker 3: an issue, right. Uh. You know, they also have some
14:36
Speaker 3: uh they still have some stipulations for lead based paint
14:39
Speaker 3: as well. That's a that's a red flag. So we've
14:41
Speaker 3: had many agents going out to properties and painting last
14:45
Speaker 3: minute to make sure that the loan can close.
14:46
Speaker 1: Cover make sure it covers all the bases there and
14:50
Speaker 1: speaking of covering all the bases utilities, and I know
14:53
Speaker 1: for it's it's interesting because I think of a venor
14:56
Speaker 1: and you think of somebody if if there's anybody that
14:58
Speaker 1: can handle maintenance or a water heater or those type
15:01
Speaker 1: of replacements or a furnace, those would be the type
15:05
Speaker 1: of folks that can do it. But they are pretty
15:07
Speaker 1: on both of these, whether it's the VA or the
15:10
Speaker 1: f h A. They do want to make sure that
15:13
Speaker 1: the house is in good mechanical working order.
15:15
Speaker 2: Yeah.
15:15
Speaker 3: Yeah, it's mostly about safety and you know, precaution, making
15:19
Speaker 3: sure that you know, people aren't getting overheated or freezing
15:22
Speaker 3: in the winter, right, and so the mechanical systems do
15:24
Speaker 3: you know, have to.
15:25
Speaker 2: Work on both of those roofs.
15:27
Speaker 1: And I'm going to tell everybody something this is this
15:30
Speaker 1: is an important conversation to have roof condition any house
15:33
Speaker 1: you're buying. By the way, I think is that is
15:35
Speaker 1: that kind of like a universal thing for folks when
15:37
Speaker 1: they're buying home. They want to get a good look
15:38
Speaker 1: at that roof.
15:40
Speaker 3: Some people forget okay, right, I'd say in general, you know,
15:44
Speaker 3: agents are used to kind of glancing up before they
15:46
Speaker 3: get too close to the house, right because you've gotta
15:48
Speaker 3: gotta have a good angle of it. And you know,
15:51
Speaker 3: for faha va, I mean, they're looking for at least
15:53
Speaker 3: three plus years of life in the in the roof,
15:56
Speaker 3: making sure that it's not leaking, you know, causing any mold.
15:58
Speaker 3: And so that's one of the things that the FHA
16:01
Speaker 3: appraiser will we'll look at. And those those government loan
16:05
Speaker 3: appraisers actually have to get trained specifically for these things.
16:08
Speaker 1: And they know and they know exactly what to be
16:10
Speaker 1: looking for. And a lot of this stuff too, is
16:12
Speaker 1: I mean, is pretty I mean, I don't want people
16:16
Speaker 1: to think that like it's a high bar is I
16:17
Speaker 1: think as folks are hearing, that's kind of like, okay,
16:19
Speaker 1: these are these are all things that that to be
16:22
Speaker 1: you know, quite frank, if you're looking to buy a
16:25
Speaker 1: house in general, unless you're a handy person, you're probably
16:28
Speaker 1: looking for you know, you want to make sure that
16:30
Speaker 1: that lead paint, the abatement and all that stuff's been handled.
16:33
Speaker 1: You want to make sure that the furnace works, the
16:35
Speaker 1: roof is in good condition. Another area too, like living standards,
16:39
Speaker 1: and and again it's for other other mortgage options, other
16:43
Speaker 1: loan options. If it works for you and it works
16:46
Speaker 1: for your bank, it's totally fine. Now, the f h
16:48
Speaker 1: A and the VA say, well, there's got to be
16:50
Speaker 1: kind of a minimum standard to the structure, don't they.
16:53
Speaker 3: Yeah, yeah, I mean you don't. They don't want just
16:55
Speaker 3: people finishing off a porch and not having heating and cooling,
16:59
Speaker 3: you know, not having egress things like that, and calling
17:01
Speaker 3: it a bedroom. So yeah, they're they're looking into living
17:04
Speaker 3: standard things that just to make sure that it's that
17:07
Speaker 3: whole safety thing.
17:08
Speaker 1: And as you mentioned earlier, really really favorable rates and
17:11
Speaker 1: and uh and I think down payments are very very
17:15
Speaker 1: reasonable as well with these and certainly if you're if
17:18
Speaker 1: you're a veteran, as we of course are looking towards
17:20
Speaker 1: moorial day and other things. Definitely something to explore. F
17:24
Speaker 1: h A is is available for a lot of folks
17:27
Speaker 1: out there as well, and can be a really great
17:29
Speaker 1: opportunity for folks that may not think they can afford
17:31
Speaker 1: a home to get into a home.
17:32
Speaker 3: Yeah, yeah, I mean just a couple other things would be,
17:36
Speaker 3: you know, just making sure it doesn't have noob and.
17:37
Speaker 2: Tube as such.
17:38
Speaker 3: But for the most part, I would say that f
17:41
Speaker 3: h A and v A, if you're able to qualify
17:43
Speaker 3: for those, they're they're fantastic programs. And you know, a
17:46
Speaker 3: real estate agent should be able to kind of identify
17:48
Speaker 3: whether or not a home might be in questionable condition
17:51
Speaker 3: to qualify.
17:52
Speaker 2: Does USDA still do a rural option as well?
17:55
Speaker 3: Do something they do and it's still available, and you
17:57
Speaker 3: know in the listening area if you will right. You
18:00
Speaker 3: just used to be I could qualify for things like
18:03
Speaker 3: you know Stoton and Ederton, and but now when you
18:05
Speaker 3: look on the map, those two have grown quite a
18:07
Speaker 3: bit and now they're kind of pushing the boundary.
18:10
Speaker 4: You got to get a little further out.
18:11
Speaker 3: Yeah, if you don't now it's almost if you don't
18:13
Speaker 3: see corn, it doesn't count.
18:15
Speaker 1: One of the great things about working with the great
18:17
Speaker 1: agents at Rock Realty is they can let you know
18:19
Speaker 1: things that are available to you, and of course cater
18:22
Speaker 1: and design your home search. And of course you're listing
18:24
Speaker 1: as well. Obviously, if you've got a listing, if it
18:27
Speaker 1: is if it's qualifies for any of these programs. Putting
18:30
Speaker 1: that in there really entices more buyers as well. So
18:33
Speaker 1: you give things that entice buyers. I think the biggest
18:36
Speaker 1: thing we talk about curb appeal and this week's featured
18:38
Speaker 1: listening just an absolutely gorgeous house and a beautiful, beautiful
18:42
Speaker 1: neighborhood right at twenty two South Garfield in Janesville. And Matt,
18:46
Speaker 1: we didn't mention the garage, which is important, as you know,
18:51
Speaker 1: a couple of guys, we should have cued in on
18:53
Speaker 1: this right away.
18:54
Speaker 4: And it's this cute little carriage looking garage.
18:56
Speaker 3: I mean, it's awesome. It just matches the character of
19:00
Speaker 3: a home. Yeah, it's got.
19:02
Speaker 4: The small little window above it.
19:03
Speaker 3: Thats just Yeah, if even if you're not looking in Jamesville, guys,
19:07
Speaker 3: you should just take a look at twenty two South
19:08
Speaker 3: Garfield Avenue. It's just such a fun one just to
19:11
Speaker 3: look through the pictures it is.
19:13
Speaker 1: We've had a lot of funs kind of paging through
19:14
Speaker 1: the other Tae Jamesville. That is right in Janesville. Yeah,
19:17
Speaker 1: twenty two South Garfield Street in Janesville. Get more details.
19:20
Speaker 1: Rock Wisconsin dot com. That's our Ock Wisconsin dot com.
19:24
Speaker 1: Even better pickup phone make an appointment to show the house.
19:27
Speaker 1: See the house with Lindsay. Lindsay's number six oh eight
19:30
Speaker 1: nine three to one seventy eight sixty three.
19:32
Speaker 2: That's six oh eight.
19:33
Speaker 1: Nine three one seventy eight sixty three, say Lindsey, I
19:37
Speaker 1: really want to see this house at twenty two South Garfield,
19:41
Speaker 1: right in Janesville again in a beautiful, beautiful neighborhood. Speaking
19:44
Speaker 1: of checking out beautiful houses, great data, head on over
19:46
Speaker 1: the website rock Wisconsin dot com. That's our ock Wisconsin
19:50
Speaker 1: dot com. Learn all about Rockrealty. Check out those listings
19:53
Speaker 1: there as well. Matt, it's always fun hanging out with
19:55
Speaker 1: my friend. You enjoyed this fantastic day you as will say.
19:58
Speaker 1: And again that website Rock Wisconsin dot com. Vicky McKenna
20:01
Speaker 1: has your chance to win one thousand dollars. Next right
20:04
Speaker 1: here thirteen ten WIBA