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Fun with Finances feat. Rock Realty · Ask The Experts

0:02
Speaker 1: Height thirty six thirteen ten WIBA and ask the experts
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Speaker 1: hanging out this morning with Matt Heypman. Of course, Matt
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Speaker 1: Heyman comes to us from Rockrealty Online, Rockwisconsin dot com.
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Speaker 1: That's our o ck Wisconsin dot com, delfh number six
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Speaker 1: O eight six seven three fifty four hundred. That's six
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Speaker 1: seven three fifty four hundred. Even easier again information online,
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Speaker 1: Rock Wisconsin dot com. Met how you doing this morning?
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Speaker 2: Doing fantastic.
0:29
Speaker 1: I'm gonna be talking about Denaro. We're gonna be talking
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Speaker 1: about money this U this week, and of course earnest
0:34
Speaker 1: money and scrow and how all that stuff works. It's
0:37
Speaker 1: a fascinating world as far as again going back to
0:41
Speaker 1: a lot of times in real estate, it's and I
0:44
Speaker 1: know I've said this before, but I'll repeat myself on it.
0:47
Speaker 1: Most people, you excluded, I don't go through buying and
0:50
Speaker 1: selling homes every single day. It's generally a number of
0:53
Speaker 1: years between purchases and sales, and so we tend to
0:56
Speaker 1: either forget this stuff or things change. And this is
0:59
Speaker 1: always a fan fascinating part of real estate when it
1:01
Speaker 1: comes to earnest money, esqu girl, what that is, how
1:05
Speaker 1: that works?
1:05
Speaker 2: And we'll get an update from.
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Speaker 1: Matt on that in just a moment should be a
1:08
Speaker 1: fantastic show as always, before we get rolling on this
1:11
Speaker 1: week's topic.
1:11
Speaker 2: Though.
1:13
Speaker 1: Featured listing this week is it's a beaut I think
1:17
Speaker 1: would be the best way to describe it. Fitchburg location,
1:19
Speaker 1: which is as somebody who is in Fitchburg mostly every
1:23
Speaker 1: single day, what a great community. Yet's talk about this.
1:26
Speaker 1: Let's talk about this property.
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Speaker 3: Yeah, the address for it is a ten prairie edgeway
1:31
Speaker 3: in Fitchburg. It's a condo. It's in the Seminole area,
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Speaker 3: has two bedrooms, three and a half bathrooms, two three
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Speaker 3: and eighty six square feet and currently listed it four
1:45
Speaker 3: hundred and forty nine, nine hundred.
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Speaker 1: Nice, and it's a it's a really it looks very new.
1:52
Speaker 1: I guess ninety seven, so it's it's it's new, but
1:55
Speaker 1: it looks much newer than I like my assumption when
1:58
Speaker 1: I saw that. Started looking at the picture, I thought,
2:00
Speaker 1: this thing is brand spanking new. But it's a it's
2:02
Speaker 1: it's a little I got a couple of years with
2:04
Speaker 1: ninety seven, but it's it's a beautiful, beautiful homeless. Uh,
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Speaker 1: do you guys have an open house?
2:09
Speaker 3: On this well, yeah, it feel it feels like the
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Speaker 3: condo's a little head of its time.
2:13
Speaker 2: Yeah, you know, obviously.
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Speaker 3: Built in the late nineties, but it's looking a lot
2:17
Speaker 3: more modern, So I.
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Speaker 2: Agree with you there.
2:19
Speaker 3: But uh yeah, there will be an open house on it.
2:21
Speaker 3: It's listed by Nicole Fisher and uh Nicole, let me
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Speaker 3: get you her number because if if anybody has any questions,
2:30
Speaker 3: they can reach out to Nicole directly. Her number here
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Speaker 3: is six oh eight two eight nine five one four five.
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Speaker 3: There's a brand new listing. So if you have any
2:40
Speaker 3: interest at all before the open house, I would I
2:43
Speaker 3: would suggest you go out and reach reach out to
2:45
Speaker 3: her and.
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Speaker 2: You know, give her a call and see if see
2:47
Speaker 2: if you can get in.
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Speaker 1: That number six oh eight two eight nine fifty one
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Speaker 1: forty five. That's two eight nine fifty one forty five.
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Speaker 1: And Matt, you mentioned getting in before the open house.
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Speaker 1: Obviously with the the housing market the way it is,
3:00
Speaker 1: and you know, you look at beautiful homes like this
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Speaker 1: and a great great condo opportunity there. The sooner you
3:06
Speaker 1: can start that conversation, the better, the better off you're
3:09
Speaker 1: going to be, isn't it.
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Speaker 3: Yeah, absolutely, yeah, especially especially on newer listings. You never
3:13
Speaker 3: know just how much interest is out there, So you know,
3:16
Speaker 3: the more information you get ahead of time, and make
3:18
Speaker 3: sure that the listing.
3:19
Speaker 2: Agent is aware that you know you have interest. It's
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Speaker 2: always a good thing.
3:22
Speaker 1: Two bedrooms, two and a half baths, twenty three hundred
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Speaker 1: square feet, which is quite sorry see numbers like there,
3:30
Speaker 1: you're going. This is not only is it a very
3:32
Speaker 1: very modern, very very cool looking, it's got it's got
3:35
Speaker 1: all the everything you're gonna need when it comes to
3:37
Speaker 1: looking for a great property in Fitchburg right near Madison
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Speaker 1: Good School District. All of that great sure, So check
3:44
Speaker 1: that out online rock Wisconsin dot com. That's r O
3:47
Speaker 1: c K Wisconsin dot com. Or calling the cold this
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Speaker 1: morning telephone number six. So eight two eight nine fifty
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Speaker 1: one forty five. That's two eight nine five one four five.
3:59
Speaker 1: Got your earnest money ready? Maybe you do?
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Speaker 3: Maybe an exciting topic, yeah, but no, Yeah, it's an
4:04
Speaker 3: important one because as you mentioned, like between purchases, there
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Speaker 3: is a lot of time that goes by and people forget, say,
4:11
Speaker 3: the differences between earnest money and the difference between that
4:14
Speaker 3: and escrow.
4:15
Speaker 2: Yeah, and maybe down payment as well, and how.
4:17
Speaker 1: Those differ they are and they are all very unique things.
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Speaker 1: And speaking of the earnest money specifically, what does that mean, like,
4:24
Speaker 1: like what is what exactly is earnest money and how
4:28
Speaker 1: does it apply to purchasing a home.
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Speaker 3: Yeah, so earnest money is something that's defined kind of
4:32
Speaker 3: in the beginning of the offer there that is a
4:35
Speaker 3: bit of a promise in a way. So it's it's
4:38
Speaker 3: money that you can you can put down. It's it's
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Speaker 3: held by a third party. Usually that's either the title
4:44
Speaker 3: company or maybe one of the real estate firms. But
4:47
Speaker 3: it's held in a trust account that you know, government
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Speaker 3: regulated and comes with rules as far as how that's going.
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Speaker 2: To be dispersed.
4:56
Speaker 3: And what it is is it's a it's a buyer
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Speaker 3: letting seller know that they're serious. Right, I'm willing to
5:03
Speaker 3: put down let's say, one percent of the purchase price
5:06
Speaker 3: in cash after you accept let's say, after you accept
5:09
Speaker 3: my offer. That's held by a trust account, and it's
5:14
Speaker 3: distributed depending on what happens during the offer process.
5:18
Speaker 1: So if let's say everything and we'll talk about some
5:20
Speaker 1: of the reasons why it may not go through to fruation.
5:23
Speaker 1: But let's say everything just follows the perfect path the
5:27
Speaker 1: house you're going to close in the house, does that
5:28
Speaker 1: money then get applied towards your down payment? Or how
5:32
Speaker 1: does that is that extra money? Where does that Where
5:33
Speaker 1: does that money go at the end of the process.
5:35
Speaker 2: Exactly?
5:36
Speaker 3: Yeah, if it goes directly to closing, and let's say
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Speaker 3: you put down five thousand dollars and you need to
5:43
Speaker 3: bring in twenty thousand dollars for your down payment, you
5:45
Speaker 3: would only have to bring in an additional fifteen thousand
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Speaker 3: because I earnest money will be a credit on your
5:50
Speaker 3: side of the ledger on the closing statement.
5:52
Speaker 2: Perfect.
5:52
Speaker 1: Talking this morning with Matt Hytman, of course, he comes
5:54
Speaker 1: to us from Rockrealty Online Rockwisconsin dot com. That's Rock
6:00
Speaker 1: Wisconsin dot com. The telephone number six O eight six
6:02
Speaker 1: seven three fifty four hundred, that's six seven three fifty
6:05
Speaker 1: four hundred, mentioned that website, Rock Wisconsin dot com, roc
6:10
Speaker 1: k Wisconsin dot com. We talked then about you know
6:13
Speaker 1: where that goes if everything comes through. Obviously things through
6:17
Speaker 1: the process, negotiations, other things, inspections, something sometimes change. What
6:21
Speaker 1: are the other conditions where a potential buyer we get
6:25
Speaker 1: their earnest money back and kind of walk away or
6:27
Speaker 1: is that stay with the homeowner or how does that?
6:29
Speaker 1: How does that break down?
6:30
Speaker 2: Matt?
6:30
Speaker 3: Yeah, Well, where we can have issues is a buyer
6:34
Speaker 3: thinks that they found a better house that just came
6:38
Speaker 3: listed and then decided they just don't want to be
6:39
Speaker 3: part of the offer. That is probably not a case
6:42
Speaker 3: where you'll get your earnest money back, or at least
6:44
Speaker 3: all of your earness money back. And that's the point
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Speaker 3: of earnest money is, Hey, I have I'm committed to
6:49
Speaker 3: this house. I'm not going to jump ship unless there's
6:51
Speaker 3: a reason, right, So what are the reasons that the
6:54
Speaker 3: buyer would be allowed to jump ship on the offer? Yeah,
6:57
Speaker 3: and get out of it and uh maybe potentially get
6:59
Speaker 3: all of theirness money back. So one of those, like
7:02
Speaker 3: you mentioned, was the home inspection. There's a number of
7:04
Speaker 3: contingencies that you can put in an offer. I'll give
7:07
Speaker 3: the most common here, and one of those is if
7:10
Speaker 3: the home inspection ends up making the deal fall apart.
7:13
Speaker 3: So at that point, there would be an agreement that's
7:18
Speaker 3: signed that says the earnest money is due back to
7:21
Speaker 3: the buyer.
7:22
Speaker 2: Right.
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Speaker 3: A second would be an appraisal, right, and if the
7:25
Speaker 3: appraisal let's say comes in short and you can't come
7:29
Speaker 3: to terms between the two parties, the earnest money can
7:31
Speaker 3: be returned. Two others that come to mind would be,
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Speaker 3: let's say you have a home sale contingency, meaning you
7:39
Speaker 3: need to sell your house in order to buy, and
7:42
Speaker 3: you're not able to sell your house in the time
7:44
Speaker 3: that's kind of been given or allotted to you, you
7:46
Speaker 3: can get your earnest money back. And then the last
7:48
Speaker 3: one would be loan financing. So for some reason the
7:51
Speaker 3: loan financing doesn't come through, that would mean that if
7:55
Speaker 3: you have a financing contingency that you've placed on the offer,
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Speaker 3: you should get yourness back as well.
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Speaker 1: You know, Matt, when we talk about this stuff, it
8:03
Speaker 1: reminds me and I think I think should highlight to
8:05
Speaker 1: a lot of folks the importance of working with an
8:07
Speaker 1: agent is working with somebody that you have a good
8:09
Speaker 1: relationship with because these type of things, you know, when
8:12
Speaker 1: you're talking about one percent down on a four hundred
8:16
Speaker 1: thousand dollars five hundred thousand dollars purchase, you want to
8:19
Speaker 1: make sure that you've got somebody that you trust that's
8:21
Speaker 1: going to help you. Kind of put this stuff together
8:24
Speaker 1: because we're not talking about pennies here. We're talking about
8:26
Speaker 1: really important things. So you know, we as we're kind
8:29
Speaker 1: of educating folks about and you're educating us about earnest money,
8:32
Speaker 1: and we'll get into escro as well. Having a good
8:34
Speaker 1: agent is an invaluable tool right here for stuff like this.
8:40
Speaker 1: I think sometimes we think about like the agent being, oh,
8:42
Speaker 1: we'll show you the homes, you know, kind of the
8:45
Speaker 1: fun stuff. There is the business side that an agent
8:48
Speaker 1: can help you quite.
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Speaker 2: A bit with.
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Speaker 3: And it's the business side that can cause many issues
8:53
Speaker 3: if you've done something incorrectly on the offer, which is
8:57
Speaker 3: you know, a legal contract, right. Yeah, we go into
9:00
Speaker 3: that blind or maybe not as educated as they could be.
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Speaker 3: They can come across some major issues and major lawsuits too.
9:06
Speaker 1: You know what we should talk about one of these days.
9:08
Speaker 1: Title companies, Title because now there's some excitement. I think
9:12
Speaker 1: they I think they keep the pen industry in business,
9:15
Speaker 1: go hand and have.
9:16
Speaker 2: Some of the best fens. I use them all the time. Yes,
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Speaker 2: they do.
9:19
Speaker 1: Talking this morning with Matt Heyman, of course. Matt comes
9:21
Speaker 1: to us from Rock Realty Online Rock Wisconsin dot com.
9:25
Speaker 1: That's r O c K Wisconsin dot com. Great website.
9:28
Speaker 1: Don't forget about this week's featured listing. It's right here
9:31
Speaker 1: in Fitchburg as we're sitting in the Fitchburg Studios thirteen
9:34
Speaker 1: ten wib A run on Prairie Edge Way. You can
9:36
Speaker 1: get details, of course online Rock Wisconsin dot com. You
9:40
Speaker 1: can also call Nicole at six oh eight two eight
9:43
Speaker 1: nine fifty one forty five. That's two eight nine fifty
9:46
Speaker 1: one forty five. Let's talk escrow. Uh, it's a funny word.
9:51
Speaker 1: It seems like it should be. It's an abbreviation for something,
9:55
Speaker 1: do we know? I hear I'm asking you.
9:57
Speaker 2: Yeah, you know. I don't think it's an abbrevious.
9:58
Speaker 1: Okay, it's like like stand for but escrow. It's a weird,
10:03
Speaker 1: strange word, but it's it's an important part of buying
10:08
Speaker 1: a home. And I think once you own a home,
10:10
Speaker 1: you get pretty escrow accounts become a common thing that
10:14
Speaker 1: you suddenly learn about.
10:16
Speaker 2: Yeah.
10:16
Speaker 3: Sure, there's there's different types of escrow, right, and you know,
10:20
Speaker 3: the major one that we'll talk about today would be
10:23
Speaker 3: the title.
10:24
Speaker 2: Company and how they escrow.
10:26
Speaker 3: You know, I'll mention a bit about the mortgage escrow,
10:29
Speaker 3: but for now we'll talk title.
10:31
Speaker 2: Yeah, yeah, Yeah.
10:33
Speaker 3: In general, people kind of refer to it as opening
10:35
Speaker 3: escrow when you get an initial accepted offer.
10:38
Speaker 2: Right.
10:38
Speaker 3: And let's say the title companies holding the earnest money,
10:41
Speaker 3: that means they're opening escrow. They're starting to collect funds
10:45
Speaker 3: with the goal, the end goal of distributing.
10:47
Speaker 2: That to the proper parties. Right.
10:49
Speaker 3: So that can include earnest money, include uh wired funds
10:55
Speaker 3: that are sent in, you know, the day before day
10:57
Speaker 3: of closing. It's you know, it can include how much
11:03
Speaker 3: is going to be distributed out to pay off the
11:05
Speaker 3: home loan, how much is needed to pay off the existing.
11:10
Speaker 2: Utility bills, tax leans.
11:13
Speaker 3: It's a it's a big list that comes on the
11:15
Speaker 3: closing statement and it's handled in our state by the
11:18
Speaker 3: title companies where they will they'll give you a closing
11:21
Speaker 3: disclosure that has, you know, different sides of the ledger
11:24
Speaker 3: and how they're going to distribute the funds that have
11:27
Speaker 3: been placed in that escrow.
11:28
Speaker 1: Talking this morning with Matt Heytman of Rock Realty Online
11:31
Speaker 1: Rock Wisconsin dot com. That's r O c K Wisconsin
11:34
Speaker 1: dot com. As title companies have come up a couple
11:36
Speaker 1: of times this morning, do you are there certain like
11:40
Speaker 1: when you work with an agent, are there certain times
11:42
Speaker 1: where you may recommend or is that is that something
11:45
Speaker 1: we say we generally do business with a particular title
11:47
Speaker 1: company or are there is that up to the homeowner?
11:50
Speaker 1: How does that or the potential buyer? How does that
11:52
Speaker 1: process work selecting a title company.
11:54
Speaker 3: Yeah, We've worked with a number of title companies obviously
11:56
Speaker 3: over the years, and they all do great work. I'm
11:59
Speaker 3: always impressed by the detail that they do. And you know,
12:02
Speaker 3: I think, you know, both the realtors and both parties
12:06
Speaker 3: in a transaction would be lost without the title company
12:08
Speaker 3: keeping it all together. To be honest, right, they're they're
12:10
Speaker 3: the one, they're the accountants in this transaction.
12:14
Speaker 2: So I would say that.
12:15
Speaker 3: You know, over the years, we've we've we've honed it
12:17
Speaker 3: down to to you know, a few that we use,
12:20
Speaker 3: but in general, we have one preferred title company that
12:22
Speaker 3: we do recommend. Some sellers will say, you know, I'd
12:24
Speaker 3: prefer to work with who I did last time, and
12:26
Speaker 3: you know, typically that's fine.
12:28
Speaker 1: Build that relationship, really really important stuff being of building
12:31
Speaker 1: a relationship, it's a great day to start that conversation.
12:33
Speaker 1: But looking to buy and looking to sell, maybe you're
12:35
Speaker 1: looking to maybe get a vacation home or maybe looking
12:39
Speaker 1: at rental property. We talked the other week about investment
12:42
Speaker 1: opportunities as well investment properties. Of course, you can learn
12:44
Speaker 1: more online with Rock Realty on their website Rock Wisconsin
12:47
Speaker 1: dot com. That's our O c K Wisconsin dot com.
12:50
Speaker 1: They're TEP number six so eight six seven three fifty
12:52
Speaker 1: four hundred. That's six seven three fifty four hundred. We'll
12:56
Speaker 1: talk more more with Matt a little bit about how
12:58
Speaker 1: that process works, from opening the account all the way
13:01
Speaker 1: through title transferring everything in between. We'll get the details
13:03
Speaker 1: from Matt next as ask the Experts with Rockrealty continues
13:07
Speaker 1: right here on thirteen ten wuib I eight fifty thirteen
13:23
Speaker 1: ten WI b A and ask the experts. Hanging out
13:26
Speaker 1: this morning with Matt Hewman. Of course, Matt comes to
13:28
Speaker 1: us from Rockrealty online, Rock Wisconsin dot com. That's r
13:32
Speaker 1: O c K Wisconsin dot com. Tell forh number six
13:36
Speaker 1: O eight six seven three fifty four hundred. That's six
13:39
Speaker 1: seven three fifty four hundred. Don't forget to when you're
13:42
Speaker 1: at the website Rock Wisconsin dot com. It's always a
13:44
Speaker 1: fun place to peruse, even if you're not necessarily looking
13:47
Speaker 1: to buy. I just want to see what's out there.
13:49
Speaker 1: You can never know what you're going to come across. Also,
13:50
Speaker 1: while you're there, check out the featured listing Random Prairies
13:54
Speaker 1: Prairie Edgeway in Fitchburg. Talk a little bit more about
13:57
Speaker 1: that property a little bit later on in this segment,
13:59
Speaker 1: talking though this week about escrow, and we talked about
14:02
Speaker 1: kind of what it is, how it works. Uh, what
14:05
Speaker 1: are these accounts? We got it, We got mortgage escrow accounts.
14:07
Speaker 1: What's what's that area? What do we need to know
14:09
Speaker 1: in that in that part there, Matt, Yeah.
14:10
Speaker 3: So you can opt to have escrows taken out from
14:15
Speaker 3: your mortgage payment. So some some loans will allow you
14:20
Speaker 3: to just pay the interests and the principle and then
14:22
Speaker 3: worry about some of the other items on your own
14:25
Speaker 3: as a homeowner, but they will give you the option
14:28
Speaker 3: of doing an escrow. And so what the mortgage escrow
14:31
Speaker 3: is is it's a similar kind of third party account
14:35
Speaker 3: that's set aside and a portion of your monthly payments
14:38
Speaker 3: go in and those are set aside to cover your
14:41
Speaker 3: property taxes and your insurance.
14:43
Speaker 1: Does that stay with folks and throughout the process I
14:45
Speaker 1: mean once people open one of those, they generally kind
14:47
Speaker 1: of stick with one throughout the life of their of
14:49
Speaker 1: their mortgage or that's something that that you know, it's
14:52
Speaker 1: there for a couple of years and then kinda figure
14:54
Speaker 1: that out on your owner, what's the what's the.
14:56
Speaker 3: Generally those you know stay in place because mean you're
14:58
Speaker 3: always going to have property taxes.
15:00
Speaker 2: Fortunately unfortunately those have it disappeared.
15:03
Speaker 3: And then homeowners insurance too, So the lender is going
15:05
Speaker 3: to want to make sure that the property is insured
15:07
Speaker 3: because they've loaned a lot of money on it, right
15:09
Speaker 3: and so there's if there's a loss, they want to
15:11
Speaker 3: make sure that the insurance is in place.
15:13
Speaker 1: How much time that do you spend with folks kind
15:15
Speaker 1: of in the education process? I think of it, and
15:18
Speaker 1: for good reason. You know, when it comes to buying
15:20
Speaker 1: a home, buying that condo, buying that you know that
15:22
Speaker 1: that just that perfect piece we're all kind of looking
15:25
Speaker 1: for that we get very exciting and it is very exciting,
15:27
Speaker 1: and it's it's it's it's you know, stuff that dreams
15:30
Speaker 1: are made of. But there is you know, we're talking
15:32
Speaker 1: about a substantial investment and there are things that you
15:35
Speaker 1: want to make sure that you understand how much time
15:38
Speaker 1: as in real estate as a real estate agent are
15:40
Speaker 1: you spending with with clients with that education part of
15:44
Speaker 1: saying these you know, we'll get that house, we're going
15:46
Speaker 1: to get that that beautiful property, We're going to get
15:48
Speaker 1: that beautiful condo. We're going to get you what you want.
15:50
Speaker 1: But these are some of the areas to make sure
15:52
Speaker 1: that we understand that that this is this is kind
15:54
Speaker 1: of how that process work. I've got to guess you
15:56
Speaker 1: spend a lot of time with that education.
15:58
Speaker 3: Yeah, and I would say it's you know, throughout the
15:59
Speaker 3: process us right from pre showing to showing, to inspection,
16:03
Speaker 3: to going through the mortgage approval, final approval process to closing.
16:09
Speaker 3: You know, first time home buyers obviously require the most education. However,
16:12
Speaker 3: like you had mentioned, when people are you know, five
16:15
Speaker 3: to seven years, which it's probably dropped I think a
16:17
Speaker 3: bit since then to a shorter amount maybe more like three.
16:19
Speaker 2: To five years.
16:20
Speaker 3: People look at vernue house, you know, you forget things right,
16:23
Speaker 3: So things that a real estate agent's dealing with on
16:25
Speaker 3: a daily basis a homeowner hasn't touched or remembered, you know,
16:29
Speaker 3: four or five years.
16:31
Speaker 1: Yeah, and the markets are always changing too. That's the
16:33
Speaker 1: fascinating thing too about real estate is you know, you
16:36
Speaker 1: think about about, you know, five ten years ago, the
16:39
Speaker 1: last time a lot of folks bought it, just kind
16:41
Speaker 1: of where the markets were, and then compare them where
16:44
Speaker 1: they are today. Having that agent that you can that
16:47
Speaker 1: you can can kind of help you understand where we
16:50
Speaker 1: are and really, what's I think Sometimes people get shot, well,
16:54
Speaker 1: I bought my house in nineteen eighty eighty six and
16:56
Speaker 1: I paid I paid thirty thousand for and now it's like, well,
17:00
Speaker 1: but I get oh, I look at the thing and
17:02
Speaker 1: I get get two hundred three hundred thousand dollars for it.
17:05
Speaker 2: That's amazing.
17:06
Speaker 1: But there's another side to that, which is other Your
17:08
Speaker 1: house has got gained a lot of equity and a
17:10
Speaker 1: lot of value, but there's other houses out.
17:12
Speaker 2: There that done the same. Yeah.
17:14
Speaker 3: Typically, you know, the sellers think it's worth more than
17:17
Speaker 3: it is and buyers think it work it's worth less
17:19
Speaker 3: than it is. Yeah, And it's that negotiation that finds
17:21
Speaker 3: the middle ground. And you know, with the changing market,
17:24
Speaker 3: you know you have to know is this a time
17:26
Speaker 3: period where I can offer five to ten percent below
17:30
Speaker 3: a list price and not offend the seller and never
17:32
Speaker 3: get another chance at it. Yeah, right, So you have
17:34
Speaker 3: to you have to know where you sit in, which
17:35
Speaker 3: market we're in.
17:36
Speaker 1: Really important to work with a fantastic agent, and the
17:38
Speaker 1: folks that Rock Realty love to work with you. You can
17:40
Speaker 1: learn more online Rock Wisconsin dot com. That's r O
17:43
Speaker 1: c K Wisconsin dot com. While you're there, check out
17:46
Speaker 1: the featured listing. This week's Prairie's Edgeway. Prairie Edgeway in Fitchburg.
17:51
Speaker 1: Check that out online. Even better, give Nicole a call
17:53
Speaker 1: this morning six so eight two eight nine fifty one
17:57
Speaker 1: forty five. That's two eight nine fifty one nine. Did
18:00
Speaker 1: you want to add something in their methought? Oh yeah,
18:02
Speaker 1: ten yeah, ten Prairie Edgeway.
18:03
Speaker 2: Just in case if they want to search online.
18:05
Speaker 1: Fantastic ten Prairie Edgeway and Fitchburg checked out again. Nicole's
18:09
Speaker 1: number six oh eight two eight nine fifty one forty five.
18:12
Speaker 1: Of course, learn more online Rock Wisconsin dot com. That's
18:15
Speaker 1: our Ock Wisconsin dot com. Their telph number six oh
18:18
Speaker 1: eight six seven three fifty four hundred. That's six seven
18:21
Speaker 1: three fifty four hundred. It's such a great We look
18:24
Speaker 1: at the weather and just a great time to look
18:25
Speaker 1: at houses. The other nice thing too, is in this weather,
18:28
Speaker 1: if you're looking to buy, you can kind of get
18:30
Speaker 1: out and do even Obviously there's professionals that will do it,
18:33
Speaker 1: but as a as a potential buyer, you can do
18:35
Speaker 1: a little bit eyeball in yourself and with enough to
18:38
Speaker 1: be contend with snow, you can get a good look
18:39
Speaker 1: at the roof, You can look at all those important things.
18:41
Speaker 1: You can also look at the garden to exactly thanks,
18:43
Speaker 1: very erectly, so that could all be you again. Learn
18:46
Speaker 1: more online Rock Wisconsin dot com. That's our Ock Wisconsin
18:49
Speaker 1: dot com, Matt. It's always great hanging out with you,
18:51
Speaker 1: my friend. You enjoy this beautiful day you as well
18:53
Speaker 1: as their We got news coming your way next right
18:56
Speaker 1: here on thirteen ten wib A