Latest / Bought Borrowed and Sold / Gusty is Garneted Human! Just ask his clients.

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Gusty is Garneted Human! Just ask his clients. · Bought Borrowed and Sold

• 0:00
  Speaker 1: Hello, everybody, Welcome to ball barn and sold and uh man,
• 0:05
  Speaker 1: you know what it's it's been on. It's been a busy.
• 0:07
  Speaker 1: I feel like a couple of weeks. I've been to
• 0:11
  Speaker 1: three concerts. I don't know how many baseball games.
• 0:16
  Speaker 2: I know one concert you went to.
• 0:18
  Speaker 1: Uh huh. And and let's see what else. I don't
• 0:22
  Speaker 1: know how many houses we've put under contract A bunch.
• 0:26
  Speaker 1: But I went and saw uh Willie Nelson this past
• 0:29
  Speaker 1: week at Avendel. That was pretty cool. That was that
• 0:32
  Speaker 1: was pretty legendary. That was Wednesday?
• 0:35
  Speaker 2: Was it on the twentieth?
• 0:37
  Speaker 1: No twenty second? Noeth look, nema smoke never mind.
• 0:44
  Speaker 3: Well, y'all said panic this past weekend.
• 0:46
  Speaker 1: I did.
• 0:47
  Speaker 2: As soon as I heard they were coming.
• 0:48
  Speaker 1: I was like, I know who's going and Morgan Wallings,
• 0:50
  Speaker 1: So did you to?
• 0:52
  Speaker 3: I did? Okay, So I did?
• 0:54
  Speaker 1: And uh we had a blast.
• 0:57
  Speaker 3: I have okay, I could and I've heard Morgan Wallen
• 1:01
  Speaker 3: songs obviously, but I couldn't name one the top of
• 1:04
  Speaker 3: my head. I just don't know that genre. He's huge, huge,
• 1:07
  Speaker 3: and I know that, okay, but there's just anyways, and
• 1:10
  Speaker 3: I had never gone down the ellel Agley rabbit Hole
• 1:13
  Speaker 3: either Yes and Sore.
• 1:15
  Speaker 1: From Hope Whole, Alabama.
• 1:17
  Speaker 3: Before the show last when we were like last Sunday,
• 1:20
  Speaker 3: my story on my social media for Facebook and Instagram
• 1:23
  Speaker 3: everybody I know was that I've never had so much
• 1:27
  Speaker 3: like fomo of missing something that I did of that concert.
• 1:32
  Speaker 3: I couldn't have named the song. But since then I've
• 1:34
  Speaker 3: really gone more down the ellel Angley rabbit Hole. She's
• 1:38
  Speaker 3: awesome and she's an Auburn girl. See I learned all
• 1:41
  Speaker 3: that anyways, But there were so many people that I
• 1:44
  Speaker 3: know from all different walks of life, aged groups, from
• 1:47
  Speaker 3: know from different worlds that were at Brighton Any Stadium
• 1:50
  Speaker 3: that it.
• 1:50
  Speaker 1: Was really funny. It looked awesome, It was incredible. I
• 1:54
  Speaker 1: took my Katie's not a big fan of Morgan Wallen,
• 1:57
  Speaker 1: and so she was like, hey, why's she You just
• 1:59
  Speaker 1: like take a buddy. And so my my trainer is
• 2:03
  Speaker 1: a huge Morgan wall I work out with a guy
• 2:07
  Speaker 1: named Scott Fell, and I was like, Scott, you want
• 2:10
  Speaker 1: to go to this? He's like absolutely, So we get
• 2:13
  Speaker 1: down and so we're we One of the places that
• 2:17
  Speaker 1: we tailgate for BAMA games is about like three blocks
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  Speaker 1: from the stadium, so we like they were they were
• 2:24
  Speaker 1: kind of you know, tailgating in the backyard and and
• 2:26
  Speaker 1: so that was where I parked. So they opened up
• 2:29
  Speaker 1: the gate through the alley. I rolled in and they
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  Speaker 1: a bunch of my and that was a bunch of
• 2:34
  Speaker 1: bunch of the Homewood folks and they they've never seen
• 2:38
  Speaker 1: Scott before. And Scott is my trainer, and he's jacked,
• 2:41
  Speaker 1: is huge, and so he gets out of my big
• 2:45
  Speaker 1: monster truck and I'm wearing I'm wearing a cut off shirt,
• 2:50
  Speaker 1: shorts and boots, like I prepped, like I went like
• 2:55
  Speaker 1: I wanted to go like full tilt on and have
• 2:58
  Speaker 1: a good time at the concert. And so Scott pops
• 3:01
  Speaker 1: out of the truck and everybody was like who is
• 3:04
  Speaker 1: this guy? Like is he a wrestler? Is he a bodybuilder?
• 3:08
  Speaker 1: What is he? And I'm talking about? We had so
• 3:10
  Speaker 1: we had so many laughs and then we so then
• 3:14
  Speaker 1: we went to the uh started walking in the stadium.
• 3:16
  Speaker 1: We stopped by Giletz. People were taking pictures with Scott
• 3:20
  Speaker 1: like he was famous and and he's he's I don't know.
• 3:25
  Speaker 1: To me, He's just Scott and maybe he is famous
• 3:27
  Speaker 1: or I don't know, is he famous?
• 3:30
  Speaker 3: Yeah, I know he's like, I mean, he's big in
• 3:31
  Speaker 3: the bodybuilding. He is a monster.
• 3:36
  Speaker 1: But I bet you I took thirty plus pictures of
• 3:39
  Speaker 1: people that wanted a picture with him. They they thought
• 3:42
  Speaker 1: he was famous or they thought like whatever.
• 3:45
  Speaker 3: You have signing autographs and just be like.
• 3:47
  Speaker 1: You know, I was jokingly saying that, hey man, next time,
• 3:50
  Speaker 1: I'm going to get a pen so you can sign autograph.
• 3:52
  Speaker 3: So in WrestleMania, WrestleMania Night one was last Saturday.
• 3:56
  Speaker 1: I will say this, there was only three people that
• 4:00
  Speaker 1: on more autograph I mean took more pictures than Scott
• 4:04
  Speaker 1: and that was Saving Morgan Wallen and la Langley. The
• 4:08
  Speaker 1: fourth person was definitely Scott Felt. So anyways, that was
• 4:11
  Speaker 1: my That was my weekend. Last weekend had a blast
• 4:14
  Speaker 1: and yeah, so cool times, cool times. And uh so
• 4:20
  Speaker 1: I want to give a special shout out to some folks.
• 4:22
  Speaker 1: We have been busy in the real estate world. So
• 4:24
  Speaker 1: not only have we been hitting all the concerts. Willie
• 4:26
  Speaker 1: Nelson was great, by the way, was he I had
• 4:29
  Speaker 1: very low expectations because he's like ninety two years old
• 4:32
  Speaker 1: and it was very you know, like for me, I've
• 4:36
  Speaker 1: seen Bob Dylan before and Bob Dylan, like I had
• 4:39
  Speaker 1: high expectations and I should not have. So I came
• 4:43
  Speaker 1: in with low expectations and it met. I do think
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  Speaker 1: he saved a little bit of juice for the end
• 4:49
  Speaker 1: of his set, and he came on. He started a
• 4:53
  Speaker 1: little rough and came on strong. I felt like at
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  Speaker 1: the end, but it was just one of those things
• 4:58
  Speaker 1: like it was never see Willie again, So I was like,
• 5:03
  Speaker 1: I gotta goya, gotta go. But in the middle of
• 5:06
  Speaker 1: all that, we've been selling some houses. Yeah, so I
• 5:08
  Speaker 1: gotta give some special shout outs. Tim Lance, congratulations on
• 5:13
  Speaker 1: a contract this week. Garrett Messer, congratulations on a contract.
• 5:17
  Speaker 1: Carlo Diliberto, Riley Wood, congratulations on your contracts. H and
• 5:22
  Speaker 1: Kyle Bedgood with two contracts this week in Jonathan Weaver
• 5:25
  Speaker 1: with two contracts. So hey, everybody, congratulations on your contracts.
• 5:30
  Speaker 1: We had a good contract week, looking like April's looking good. Yeah,
• 5:35
  Speaker 1: you know, may I would like it to be.
• 5:37
  Speaker 2: A little bit, you know, a little bit more.
• 5:40
  Speaker 1: Hey, you know, hopefully we're gonna have We're gonna end
• 5:44
  Speaker 1: the month over the next few days strong. So anyways,
• 5:47
  Speaker 1: that's uh, We're gonna talk a little bit more about
• 5:49
  Speaker 1: what we're seeing in the market, what we're seeing on
• 5:51
  Speaker 1: interest rates, on the next segment. But we do have
• 5:54
  Speaker 1: an open house today or yeah, this afternoon, and we've
• 5:58
  Speaker 1: got some new listenings to talk about. So let's do
• 6:02
  Speaker 1: the games. So Brad with Cross Country Mortgage, Bradurasmith Loans
• 6:06
  Speaker 1: dot Com, let's go ahead and tell our listeners the rules.
• 6:10
  Speaker 3: Yeah, so Gus, he's gonna go through some property. So
• 6:12
  Speaker 3: he's gonna give us some details of each property, some
• 6:14
  Speaker 3: cool things and features you want to know. But the end,
• 6:17
  Speaker 3: he's gonna give you what the most important piece that
• 6:18
  Speaker 3: I need, and that is the list price, the potential
• 6:20
  Speaker 3: purchase price that a borrower or you may even make
• 6:24
  Speaker 3: at that point. I'm gonna give a potential down payment,
• 6:25
  Speaker 3: and then Gusty and John are going to guests the
• 6:29
  Speaker 3: thirty year fixed monthly payment principal and interest only thirty
• 6:33
  Speaker 3: year fixed. So I've got mine the stuff for ready.
• 6:36
  Speaker 3: I'm ready for house number. Well you're doing, you've got
• 6:38
  Speaker 3: an open house you're going over first.
• 6:40
  Speaker 1: I want to go over this open house real quick
• 6:42
  Speaker 1: and now, and then we'll get the the game going.
• 6:45
  Speaker 1: So go see Richie Aubel on our team. He's gonna
• 6:48
  Speaker 1: be holding open a condo that's over on Brickwood Green,
• 6:52
  Speaker 1: which is right there in Cobba Heights, just off a
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  Speaker 1: highway to eighty. This is two hundred East Green. This
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  Speaker 1: is a two bedroom, one and a half bath condo,
• 7:02
  Speaker 1: eleven hundred and fifty two square feet and we are
• 7:05
  Speaker 1: asking two seventy four nine, two seventy four nine. This
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  Speaker 1: one is a community. It's three hundred and fifty dollars
• 7:12
  Speaker 1: a month in condo fees. But it's got a pool
• 7:15
  Speaker 1: and I'm telling you the location is incredible. Does have
• 7:18
  Speaker 1: a car port. This one has a fence yard, which
• 7:21
  Speaker 1: is a little bit unique as to most two of
• 7:23
  Speaker 1: the condos over there. So there's some there's some cool
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  Speaker 1: things about this condo that if you are looking for
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  Speaker 1: like a condo but also has like a a yard
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  Speaker 1: unique uh and a car port. Uh. This is this
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  Speaker 1: is the one. So go see Richie at two hundred
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  Speaker 1: East Green this afternoon from two to four. All right,
• 7:41
  Speaker 1: Our first new listing of the week is actually in
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  Speaker 1: Hue Town. It's located at one eleven June Avenue. This
• 7:48
  Speaker 1: was built in nineteen fifty five. It's three bedrooms, one bath,
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  Speaker 1: It is one twenty six square feet on a quarter
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  Speaker 1: acre lot, and we are asking one sixty nine to nine,
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  Speaker 1: one sixty nine nine. I will say that this home
• 8:01
  Speaker 1: has been beautifully renovated. It's got new flooring throughout, new
• 8:05
  Speaker 1: stainless still appliances, new paint, a fully fenced yard. It
• 8:09
  Speaker 1: is ready to go. This listing is courtesy of Kyle Bedgod. Kyle,
• 8:13
  Speaker 1: congratulations on your new listing. All right, one sixty nine
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  Speaker 1: to nine.
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  Speaker 3: One sixty nine nine. Give me a second to do
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  Speaker 3: some numbers. I did not have that number, all right,
• 8:21
  Speaker 3: hold on one.
• 8:22
  Speaker 1: Sep what oh, I gave you a wrong number?
• 8:25
  Speaker 3: You gave me one eighty nine nine.
• 8:27
  Speaker 1: Yeah, and I'll tell you why, because it's fine. I think,
• 8:30
  Speaker 1: take me, I think my I think my eyeglasses were
• 8:33
  Speaker 1: a little foggy. And I couldn't I couldn't read. I
• 8:36
  Speaker 1: couldn't read the mL.
• 8:37
  Speaker 3: I was through it going like I don't see that. Yeah,
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  Speaker 3: my beef, my beef, all good? All right, so real quick,
• 8:43
  Speaker 3: but I'm ready, all right, ten percent down, ten percent
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  Speaker 3: down on one sixty.
• 8:50
  Speaker 1: Nine to nine. Let's go, let's go. M I'm gonna
• 9:00
  Speaker 1: go nine sixty nine.
• 9:08
  Speaker 4: That's a good number. I think I'm gonna go just
• 9:13
  Speaker 4: a little lower, but it's probably pretty close. I'm gonna say.
• 9:17
  Speaker 2: Nine hundred.
• 9:18
  Speaker 3: The actual payment was nine hundred and fifty five dollars.
• 9:23
  Speaker 3: Gus can gets round one.
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  Speaker 1: Let's go.
• 9:29
  Speaker 2: All right.
• 9:29
  Speaker 1: Our next new listing of the week is in the
• 9:31
  Speaker 1: Grayson Valley area. Seven twenty four Rose Drive. This is
• 9:35
  Speaker 1: three bedrooms, two baths, built in nineteen fifty four. It's
• 9:38
  Speaker 1: got nine hundred and sixty four square feet on the
• 9:41
  Speaker 1: main level and it's got nine hundred and sixty four
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  Speaker 1: square feet finished in the basement. So it's in the
• 9:46
  Speaker 1: Huffman area. This one has been renovated. It's got new appliances,
• 9:51
  Speaker 1: fresh paint, and stunning hardwood floors. So yeah, check it out.
• 9:58
  Speaker 1: Seven twenty four Rose Drive. One hundred and seventy five
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  Speaker 1: thousand dollars.
• 10:03
  Speaker 3: I've got that all right, one seventy five putting twenty
• 10:05
  Speaker 3: percent down. Twenty percent down.
• 10:07
  Speaker 1: You should have the rest of it.
• 10:08
  Speaker 2: I'm just twenty percent, okay.
• 10:10
  Speaker 4: So it's gonna be a little bit making one because
• 10:14
  Speaker 4: it's it's five k more, but twenty percent down is
• 10:17
  Speaker 4: more down.
• 10:17
  Speaker 2: So I'm gonna say eight hundred dollars.
• 10:24
  Speaker 3: Eight hundred for John.
• 10:29
  Speaker 1: All right, so you said too much down twenty percent
• 10:32
  Speaker 1: twenty I'm gonna go with I know it's got to
• 10:46
  Speaker 1: be less than what we had. Let's go nine. What
• 10:49
  Speaker 1: did you say?
• 10:51
  Speaker 2: I see it? Eight hundred.
• 10:52
  Speaker 1: Oh, let's go nine hundred.
• 10:54
  Speaker 3: The actual payment was eight hundred and seventy four dollars.
• 10:59
  Speaker 2: Just it gets round two.
• 11:01
  Speaker 3: We're all over it though.
• 11:02
  Speaker 1: Let's go all over it. Let's go all right. Next
• 11:07
  Speaker 1: New listing of the Week fourteen oh nine Seventeenth Street South.
• 11:11
  Speaker 1: This is in Southside. It's a two bedroom, one and
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  Speaker 1: a half bath town home, corner lot, twelve hundred and
• 11:17
  Speaker 1: eighty square feet, built in nineteen eighty seven. We are
• 11:22
  Speaker 1: asking two hundred and twenty eight thousand. This is perfect
• 11:25
  Speaker 1: if you need a rental house, if you've got a
• 11:28
  Speaker 1: kid going to UAB or Samford, or you just want
• 11:32
  Speaker 1: to be in the mix of everything that's going on
• 11:34
  Speaker 1: downtown Birmingham.
• 11:35
  Speaker 4: Uh.
• 11:36
  Speaker 1: These have no HOA and no HOA fees, so that
• 11:40
  Speaker 1: is super nice. This listening is courtesy of Kyle Bedgods.
• 11:43
  Speaker 1: So Kyle, you're busy. Congratulations on your new listing. Two
• 11:47
  Speaker 1: hundred and twenty eight thousand, dollars.
• 11:49
  Speaker 3: To twenty eight. We're gonna put fifteen percent down, fifteen
• 11:53
  Speaker 3: percent down on two twenty eight. All right, back to Gusty. Boo,
• 12:05
  Speaker 3: I'm gonna go with twelve twenty five.
• 12:12
  Speaker 2: I say eleven ninety.
• 12:19
  Speaker 3: The actual payment was twelve ten. Gusty gets hit by
• 12:26
  Speaker 3: five dollars.
• 12:28
  Speaker 2: We're dialed in today. Boom baby, boom, I mean gust
• 12:31
  Speaker 2: he's still winning. Gore dialed in.
• 12:33
  Speaker 1: Let's go all right next to the listening of the week.
• 12:36
  Speaker 3: I had to carry this carry that.
• 12:37
  Speaker 1: It is in Cholera in the Stone Creek neighborhood, one
• 12:40
  Speaker 1: twenty eight Stone Creek Place. This was built in two
• 12:43
  Speaker 1: thousand and five. Three bedrooms, two baths, one car, garage,
• 12:47
  Speaker 1: twelve hundred and forty eight square feet. We are asking
• 12:50
  Speaker 1: two hundred and thirty thousand dollars two hundred and thirty
• 12:53
  Speaker 1: thousand dollars and uh for a little while. It does
• 12:57
  Speaker 1: have a tenant in there, so if you want a
• 12:58
  Speaker 1: little bit of cash flow, you could also keep it
• 13:01
  Speaker 1: as a rental. So this listing is courtesy of TJ. Cunningham.
• 13:04
  Speaker 2: TJ.
• 13:04
  Speaker 1: Congratulations on your knee. Listing two hundred and thirty thousand,
• 13:08
  Speaker 1: dollars in kolera.
• 13:09
  Speaker 3: Let's go, all right, two thirty. We're gonna put three
• 13:12
  Speaker 3: percent down this time, John, three percent?
• 13:15
  Speaker 4: All right, this is crazy, It's crazy, okay, So, and
• 13:17
  Speaker 4: I know why you did that, because the last one
• 13:19
  Speaker 4: was to twenty eight to thirty. But you gotta change
• 13:22
  Speaker 4: the percentage, so you're gonna have to pay a little
• 13:24
  Speaker 4: bit more.
• 13:24
  Speaker 3: Three percent down.
• 13:25
  Speaker 4: I'm gonna pay a little bit more. So I'm gonna say.
• 13:31
  Speaker 3: Thirteen thirty thirteen thirty for John.
• 13:36
  Speaker 1: Mm hmm, I'm gonna go with thirteen seventy one.
• 13:47
  Speaker 3: It was actually thirteen ninety four. Gusty gets around four.
• 13:52
  Speaker 1: Let's yes, he's.
• 13:53
  Speaker 3: Gotta be the closest.
• 13:56
  Speaker 2: I mean, Gusty's so got it.
• 13:57
  Speaker 3: He's got but he's got all of them. But I mean,
• 13:59
  Speaker 3: as far as the out between the differential.
• 14:01
  Speaker 2: I thought you put it in this price I understand.
• 14:04
  Speaker 1: How understand John? John? If this is radio career doesn't
• 14:07
  Speaker 1: work out for you, I can say, I'll be you
• 14:09
  Speaker 1: can be doing some numbers in real estate.
• 14:11
  Speaker 2: I mean only at the houses are in this price range. Though,
• 14:13
  Speaker 2: if you're getting the million dollar houses, I'm bloom lost.
• 14:15
  Speaker 3: Yeah.
• 14:15
  Speaker 1: That was last week.
• 14:16
  Speaker 3: Last week, was our million dollar show. Uh.
• 14:20
  Speaker 1: Next listing three thirty eight Ivy Hills Circle in Kolera.
• 14:24
  Speaker 1: This was built in twenty eighteen. It is four bedrooms,
• 14:27
  Speaker 1: two baths, seventeen hundred and fifty five square feet. We
• 14:31
  Speaker 1: are asking two fifty nine nine two fifty nine nine. Uh.
• 14:35
  Speaker 1: This one also same scenario, currently has a tenant, so
• 14:39
  Speaker 1: it could be could be a perfect rental house, could
• 14:43
  Speaker 1: be something that you are, you know, looking to move
• 14:46
  Speaker 1: in yourself, and you know it's kind of hard to
• 14:49
  Speaker 1: find homes that are ready to move into for two
• 14:52
  Speaker 1: hundred and sixty thousand dollars.
• 14:53
  Speaker 2: So uh.
• 14:54
  Speaker 1: This listening is courtesy of TJ. Cunningham. TJ could congratulations
• 14:58
  Speaker 1: on your new listing. Fifty unknone to fifty nine nine.
• 15:02
  Speaker 3: Last property the day, five percent down, five percent down.
• 15:05
  Speaker 3: We're back to Gusty. Back to me, back to Gusty
• 15:10
  Speaker 3: two fifty nine to nine, five percent down.
• 15:12
  Speaker 1: Okay, mmmm mmm, fifteen hundred dollars.
• 15:24
  Speaker 4: And I was thinking this number even before he said it.
• 15:26
  Speaker 4: I was thinking in uh because of our radio station
• 15:29
  Speaker 4: in Nashville, News Radio fifteen ten, w LA C fifteen ten.
• 15:33
  Speaker 3: Okay, kept the clean sweep off the board. It's fifteen
• 15:39
  Speaker 3: forty three. John Mounts gets the fifth and final problem.
• 15:44
  Speaker 2: I swear I was thinking of it. I was thinking
• 15:46
  Speaker 2: radio station frequencies.
• 15:47
  Speaker 3: That's hey, listen, if you've got to do that to
• 15:49
  Speaker 3: get one, don't worry about that. You don't have to apologize.
• 15:51
  Speaker 2: I was not price. I wasn't priced writing I was number.
• 15:54
  Speaker 3: It could have easily been it could have easily been
• 15:56
  Speaker 3: forty the other way.
• 15:57
  Speaker 2: I like writing it down on like post it notes.
• 15:59
  Speaker 2: It proved that I have the number before.
• 16:01
  Speaker 1: Hey, we've got a coming soon in the Hubey Talent
• 16:04
  Speaker 1: area for the one hundred and sixty thousand range. We've
• 16:07
  Speaker 1: got a home on Falling Rock Circle in the Navajo
• 16:11
  Speaker 1: Hills neighborhood of Alabaster, coming up next week or coming
• 16:15
  Speaker 1: up I guess this week, whatever you want to call it.
• 16:17
  Speaker 1: For three hundred and fifty thousand. That's four bedrooms and
• 16:20
  Speaker 1: two and a half baths. We've got a bunch coming
• 16:22
  Speaker 1: down the pipeline. I've got stuff coming in Hoover. I've
• 16:25
  Speaker 1: got stuff coming in Homewood. I've got stuff coming in
• 16:28
  Speaker 1: Oak Mountain. I'm excited about what we've got coming down
• 16:32
  Speaker 1: on the pipeline. A couple of buyer needs. We've got
• 16:36
  Speaker 1: somebody looking for Bluff Park up to five hundred and
• 16:39
  Speaker 1: twenty five thousand dollars. I've got somebody looking in Liberty Park,
• 16:42
  Speaker 1: Vestavia up to five hundred and sixty thousand. I've got
• 16:46
  Speaker 1: somebody looking in the Liberty Park Mountain Brook, Cabba Heights
• 16:50
  Speaker 1: area up to seven hundred thousand. I've got somebody looking
• 16:53
  Speaker 1: in Eagle Point Griffin Park area up to six hundred.
• 16:57
  Speaker 1: I've got somebody looking for a Cabba Heights or Vestavia
• 16:59
  Speaker 1: town On Home up to three hundred, and I've got
• 17:03
  Speaker 1: a couple of folks looking in the Edgewood School district.
• 17:05
  Speaker 1: So you can call two O five five four two
• 17:08
  Speaker 1: nineteen ninety six, or you can go to gustygoulassgroup dot com.
• 17:17
  Speaker 1: All right, hey, guess what time it is. That's right,
• 17:23
  Speaker 1: it's testimonial time. So uh yeah, we like to talk
• 17:28
  Speaker 1: about our five star reviews. So you've got to give
• 17:30
  Speaker 1: me a second because I'm not in my preparation sheet
• 17:35
  Speaker 1: that Jake gives me. Guess what he didn't do this week.
• 17:39
  Speaker 1: No reviews I'm gonna go find doesn't mean that we're
• 17:43
  Speaker 1: going to go find this one I've heard about this
• 17:46
  Speaker 1: guy named Gusty Goulis. I've heard pretty good things about him.
• 17:49
  Speaker 3: So he got any five star reviews?
• 17:51
  Speaker 1: Yeah, so I'm gonna go check out and see what
• 17:53
  Speaker 1: we got. Oh, oh, here's one, here's one. Gusty Goulis
• 17:58
  Speaker 1: is not only a great real estate agent, but he
• 18:00
  Speaker 1: is a great human like that.
• 18:04
  Speaker 3: Glad I'm not an alien.
• 18:08
  Speaker 1: Yeah. He is knowledgeable, caring, easy to talk to. He
• 18:11
  Speaker 1: never once hesitated to answer a question or calm a fear.
• 18:15
  Speaker 1: He went above and beyond in many ways for us
• 18:17
  Speaker 1: and finding our perfect home and selling our previous home.
• 18:20
  Speaker 1: I would choose him and anyone on his team time
• 18:22
  Speaker 1: and time again. Connie, thank you so much for the
• 18:24
  Speaker 1: opportunity to help you sell and buy your new home.
• 18:27
  Speaker 3: And Gusty, congratulations.
• 18:29
  Speaker 1: On another five star review. All right, and being human? Yes,
• 18:37
  Speaker 1: I like it?
• 18:37
  Speaker 2: All right.
• 18:38
  Speaker 1: Hey, y'all, stay tuned. We're gonna let you know about
• 18:41
  Speaker 1: what we're seeing in the mortgage world, what we're seeing
• 18:43
  Speaker 1: in the market right here on Bob and Sold. Stay tuned,
• 18:48
  Speaker 1: all right, welcome back to Bob Board and Sold. And
• 18:53
  Speaker 1: I wanted to you know, with everything that's been going
• 18:56
  Speaker 1: on in the world it's been impacting our real estate
• 19:00
  Speaker 1: market just a hair. So we've got Brad Smith with
• 19:04
  Speaker 1: Cross Country Mortgage giving us a weekly update on what
• 19:07
  Speaker 1: we're seeing in the mortgage world. Brads, do you have
• 19:10
  Speaker 1: any good news for us?
• 19:12
  Speaker 3: I don't have any good news, but I don't have
• 19:16
  Speaker 3: any bad news. Okay, so we're still just I mean,
• 19:19
  Speaker 3: we are hovering. I the thirty year average is probably
• 19:23
  Speaker 3: down eight hundred tenths of a point on the interest rate.
• 19:27
  Speaker 3: So let's just say if I was saying the average
• 19:29
  Speaker 3: was around six and a half, I'd say now the
• 19:31
  Speaker 3: average around six point four for six point four to
• 19:33
  Speaker 3: two ish on average, So a little bit there. But
• 19:37
  Speaker 3: again it's all on what you know. Are we gonna
• 19:40
  Speaker 3: get the oil prices down or not? And so you
• 19:42
  Speaker 3: know we're getting some we're getting I don't want to
• 19:45
  Speaker 3: call it fake news, because some of the news is real.
• 19:48
  Speaker 3: It's just that your source of information is changing by
• 19:52
  Speaker 3: who you're getting it from. And so when you're trying
• 19:54
  Speaker 3: to when you're trying to figure out exactly what all's
• 19:56
  Speaker 3: having happening on the Iranian side of things, and the
• 19:59
  Speaker 3: other folks are what they're really thinking compared to what
• 20:01
  Speaker 3: we're getting on our side news and tweets or whatever else.
• 20:05
  Speaker 3: It's kind of hard to figure out what's really happening
• 20:07
  Speaker 3: on that. But what we do know is oil prices
• 20:10
  Speaker 3: are not coming back down right now, and so therefore
• 20:13
  Speaker 3: mortgage rates are holding pretty steady in that mid sixes
• 20:16
  Speaker 3: on average. But I mean, like I said, we've we're
• 20:18
  Speaker 3: still doing some government loans that are in the high fives.
• 20:20
  Speaker 3: I'll quote you one at five point seventy five this
• 20:22
  Speaker 3: past week on the FAHA, I quoted a conventional at
• 20:25
  Speaker 3: six point three two five. Given you know all the
• 20:29
  Speaker 3: things that the little triggers and stuff that do it.
• 20:30
  Speaker 1: So what are what are things that impact it?
• 20:33
  Speaker 3: Credit score, credit score, down payment, other houses, loan amount,
• 20:39
  Speaker 3: so loan amount, purchase price amounts, So the down payment
• 20:41
  Speaker 3: affects it. But also there's different loan level price adjustments
• 20:45
  Speaker 3: that that that that they set upon us that we
• 20:47
  Speaker 3: don't get to dictate, and so loan of amount size
• 20:51
  Speaker 3: dictates it. So the so sometimes you get a benefit
• 20:54
  Speaker 3: on the lower sometimes you don't get quite a benefit
• 20:55
  Speaker 3: of the middle. Sometimes you get a bigger benefit any
• 20:58
  Speaker 3: on the higher loan amounts. But below Joe, then Jumbo
• 21:01
  Speaker 3: can triggered a little more. Reserves have started playing a
• 21:05
  Speaker 3: bigger part in it, so that there's you know, first
• 21:08
  Speaker 3: time home buyer usually gets a little bit of a break,
• 21:11
  Speaker 3: and then you've got you know, if you're not putting
• 21:12
  Speaker 3: twenty percent down, you've got private mortgage insurance that could
• 21:16
  Speaker 3: dictate it. And that's also dictated by all those other
• 21:18
  Speaker 3: factors that can that can change the rate or change
• 21:21
  Speaker 3: your payment and other stuff in it. So there's all
• 21:23
  Speaker 3: those little factors go into it. Some of it's kind
• 21:26
  Speaker 3: of and honestly, you may get a better even though
• 21:29
  Speaker 3: you can have mortgage insurance, you may get a better
• 21:30
  Speaker 3: interest rate putting ten percent down than twenty percent down. Yeah,
• 21:34
  Speaker 3: and so some people might think that seems weird, but
• 21:37
  Speaker 3: that goes back to that mortgage insurance covers more than
• 21:39
  Speaker 3: twenty percent down, so you've got it's more secure. So
• 21:42
  Speaker 3: you've got different things that are triggering into that. But
• 21:45
  Speaker 3: right now we're waiting, you know, the technicals that we
• 21:48
  Speaker 3: wouldn't want to be talking about are all holding steady
• 21:50
  Speaker 3: for mortgage rates to come down, like we've talked about before.
• 21:53
  Speaker 3: But the main kicker right now is, you know, we've
• 21:56
  Speaker 3: got a war going on, and it affects oil prices
• 22:00
  Speaker 3: and different things that dictate everything else. So that's where
• 22:03
  Speaker 3: we are.
• 22:03
  Speaker 1: Yeah, I can tell you from our world, I'm still
• 22:08
  Speaker 1: seeing multiple offers in certain homes, right. I know that
• 22:12
  Speaker 1: there was a multiple offers on a home recently in
• 22:15
  Speaker 1: Homewood that went a pretty good amount overless price. But
• 22:20
  Speaker 1: it's not every home. Like also have another home that
• 22:24
  Speaker 1: expecting multiple offers didn't get any offers. So, I mean,
• 22:28
  Speaker 1: it just kind of happens. You just never know. I'm
• 22:32
  Speaker 1: excited about some of the properties that we've got coming
• 22:35
  Speaker 1: up because I think it's going to appeal to a
• 22:37
  Speaker 1: lot of folks. We've got, like we want a listing
• 22:43
  Speaker 1: in the Indian Springs area that I'm telling you is
• 22:48
  Speaker 1: probably some of the prettiest land I have seen in
• 22:50
  Speaker 1: all of Birmingham.
• 22:51
  Speaker 3: Every time I drive out that way, I'm just like, yeah,
• 22:53
  Speaker 3: this is pretty out here.
• 22:54
  Speaker 1: I mean, back's up to Oak Mountain and just beautiful
• 22:59
  Speaker 1: level a criadge with a with a nice rancher and
• 23:03
  Speaker 1: uh man, that is a listening. I am just really
• 23:06
  Speaker 1: excited about.
• 23:07
  Speaker 3: That's awesome.
• 23:08
  Speaker 1: It's I think it's probably probably been owned by two
• 23:11
  Speaker 1: people in the you know, fifty sixty years of existence
• 23:16
  Speaker 1: of this house. Those are all that's I'm so I'm
• 23:19
  Speaker 1: just jacked upside that one. So anyways, Hey, the market's moving.
• 23:24
  Speaker 1: It really is just going to depend on what your
• 23:25
  Speaker 1: scenario and situation is. I will tell you this. If
• 23:29
  Speaker 1: you're interested, just there's there's you can have a conversation
• 23:33
  Speaker 1: with us at call us at two five five four
• 23:35
  Speaker 1: two nineteen ninety six. Go to Gustygoulisgroup dot com. Let's
• 23:39
  Speaker 1: see if it's a good time for you, yeah or not.
• 23:41
  Speaker 1: I mean, we'll we'll be very transparent in that conversation.
• 23:45
  Speaker 1: And then if you want to get pre qualified for
• 23:46
  Speaker 1: a mortgage, go to Bradsmithlans dot com. All right, thanks
• 23:51
  Speaker 1: so much for joining us each and every Sunday. Hope
• 23:53
  Speaker 1: you all have an amazing rest of your weekend. Catch
• 23:56
  Speaker 1: in next week.