Welcome Home with Monique

Kevin Krall 0:00
The content of this program is paid for by Monique Buchanan LLC. The content of this program does not reflect the views or opinions of 91.5 Jazz and more, or the University of Nevada Las Vegas. You see me?

Unknown Speaker 0:25
Good morning. This is Monique Buchanan, the host of the welcome home with Monique show. And on this show, I talk all things real estate. Listen, I want to thank you for tuning in. Well, happy Saturday, Las Vegas. This is Monique Buchanan, the host of the welcome home with Monique show. And once again, I've got an amazing, amazing show for you. I have got one of my lender partners, Mr. Elliot block on with diamond home loans. Hi, Elliot.

Unknown Speaker 0:52
Mo how's it going?

Unknown Speaker 0:53
It's going great. Listen, I have been telling my clients and my listeners all about our crazy market right now. It's I mean, it is crazy, right? It's crazy out there right now.

Unknown Speaker 1:05
Yeah, it definitely seems that way. And you probably can speak to this more. But I just think the inventory levels have made this have made it exceedingly difficult to get people into contract. Would you agree?

Unknown Speaker 1:16
Absolutely. So since you brought up inventory levels, you guys know that I told you a couple of weeks ago, there was less than 2000 properties for sale in all of Las Vegas that went from million dollar homes all the way down to $200,000. Whatever condo so we're not condos I'm sorry, homes, single family homes. Let me correct myself. So real quick, before I came on the show, I did another search. And once again, guys, we've got three bedroom, normal homes, three bedrooms or more. We literally only have 19 177 available in the whole Las Vegas Valley today. Okay, that includes Henderson, in fact, to be honest with you, that includes the whole state of Nevada. So the whole state of Nevada has 19 177 single family homes that are three bedrooms or more. Is that crazy? Elliot?

Unknown Speaker 2:02
I think it is. And to add to that I saw a number the other day that nationally there's now less than 300,000 units available in the whole country, which is down from, you know, somewhere north of a million roughly a year ago, right? So, right, they can't build them fast enough, you know,

Unknown Speaker 2:16
they cannot build them fast enough. And in our case, Elliott, a lot of people think that we have a lot of land here in Vegas, they don't realize that as BLM land is not ours. So we are land poor, and that cost is passed on to our buyers, unfortunately. So but like you said, the builders are having a hard time getting product. That's a whole nother story. A lot of builders are taking six to nine months to build right now. You got waiting list out there because everybody's trying to secure property. And you know, once they can't get it in the resale market, what do they do they turn towards the new set, you know, homes and think they could get theirs. But that's why I am partnering up with you, Mr. Elliott block because you and your team have come up with some great ideas and some great strategies on getting my buyer's offers acepted since it is like a feeding frenzy right now. So do you want to touch on some of the things that you guys are doing?

Unknown Speaker 3:07
Sure, absolutely. So we operate an independent mortgage brokerage here in town, we work in three states, Colorado, Nevada, and Florida. The vast majority of our businesses in Nevada though, one of the things that we do is we can call as long as in sometimes less than 14 days. And so what I like to call that as a cash equivalent offer. So obviously a lot of these listings are getting cash offers. If we can write an offer that takes the close of Escrow from 30 days to less than 15 days, sometimes 10 days. You know, I think that has a lot more weight than the listing agents mind and is one, you know, one way that we can help get our buyers, you know, into contract and close this and close as fast as possible.

Unknown Speaker 3:54
No, you're absolutely right. So that is key. You guys, if you're out there listening and for some odd reason, you didn't call me to represent you. That's okay, I'm still going to share this knowledge with you. He is right on target. Here's the thing, guys, most of the offers that these folks are getting into my colleagues are getting as realtors, we're getting a bunch of cash offers a lot of them from California, but you know, just period we're getting a lot of investors that are swooping in taking the property's cash. Well guess what? If I can go ahead and get your offer? Or your offer? Yeah, down to 14 days now you're competing right there with cash. Because at the end of the day, that's why a lot of people want to accept cash because it closes quickly. So it was you know, all we're waiting on his HOA docs. Well, at this point, you're right there with cash, you know what I mean? There's some other strategies that I like to do to where we can pretty much waive appraisal and still get the appraisal done. And you know, and still have that as well. So now we really are just like a cash offer. And if you're an experienced realtor, you know, a lot of times you get these cash offers, and they back out. So I'd much rather take a financed offer because I know it's a person that's going to you know, Leaving the property and not just look at it as numbers and maybe back out at the last minute, that's just my personal experience as a real tour. But yeah, that is what I love that sets us apart, your company is able to get that done in 14 days now, how are you guys able to do that?

Unknown Speaker 5:17
It's just that we are able to leverage our partners resources. Since we're an independent mortgage broker, we're not a bank. So we don't lend our own funds, we broker all of our loans. What that allows us to do those leverage the large, you know, wholesale partners that we have, I mean, it's just like wholesale retail, just like in consumer goods, right. So one of our main partners has roughly, you know, 5000, underwriters at their headquarters, and so we can just get those loans turned extremely fast. Another point regarding the appraisal, the government agencies, Fannie Mae and Freddie Mac, where, you know, the vast majority of these loans go to their issuing appraisal waivers. So once we get the contract, we get the address, we run it through the automated system, that sometimes kicks back an actual property inspection waiver where there's no appraisal required. Another thing that's happened here recently is on Monday, actually, this week, just as last Monday, Freddie Mac started accepting desktop appraisals and in place of your regular appraisal report. Again, same thing, just something to help speed up the transaction. So you know, those three things, you know, either get an get a waiver or do a desktop or, you know, just able to get the appraisal turned as quickly as possible.

Unknown Speaker 6:28
It's amazing. Really, yeah. Because here's the thing, you know, I have nothing against investors, but I hate seeing my families lose, over and over again, going up against investors. So I'm glad that they're coming up with some ways to assist the families that want to purchase and live here. You know what I mean? Do you agree? Yeah,

Unknown Speaker 6:48
absolutely. I mean, I think one of the things that we do, that I, that I do on every transaction as the offers being sent over to the listing agent, I will actually call the listing agent. And, you know, explain how strong the offer is. And you know, exactly why maybe it's not highest and best, but it's close to highest and give them you know, a basically a guarantee that it's going to close, you know, as quickly as possible. No, that's awesome. That that has some weight as well, I think a lot of weight their point i Yeah. And I think, you know, people don't want to see families not be able to buy houses. And I think that even the listing agents, I get it. They're trying to get the best deal for their clients. Right. But, you know, sometimes having somebody call and explain exactly why,

Unknown Speaker 7:28
yeah, well, you're not somebody, you're the money, man. So when the money man calls you and says, Listen, I've got the money. going, you know, it's fine, we've got it, they're good to hear from you. And for you to take that extra step as a lender. You know, that's amazing that that really does matter a lot, because I am also a listing agent. And if I have the lender, give me a call and let me know, hey, that offer you just received, hey, he's fully underwritten. We're ready to rock and roll. We can get this thing done in 14 days. You know, they have reserves. Listen, that that holds a lot of weight, because then I can go to my seller and say, Hey, I know you were really wanting to accept this cash offer because you were thinking that it's a slam dunk, which maybe it is. But listen, the lender called me in this was also a slam dunk. You know, for these following reasons. That holds a tremendous amount of weight. There's plenty of people listening to us right now that have been putting offering after offering after offer. So 702984 3700 702984 3700 Welcome home with monique.com is my my website. And I will get you with my lender partner, Elliot. Okay, so we're just talking about the current market. Elliot is going over some strategies that he does as a lender to secure the buyer or assist the buyer in winning that bid. Because that's what it all comes down to you guys right now. It's a very tough market. People are literally fighting over homes, because like we mentioned, there's less than 1900 You know, here in Las Vegas center for sell three bedrooms, a regular houses, you know what I mean? So that's where we're at. Have you ever seen it like this? I know you've been in the business for quite some time. Have you ever seen it quite like this before? Elliott?

Unknown Speaker 9:08
It definitely echoes of 2005 for sure. I mean, lottery's for new builds. The difference right now, though, I think is just it's a supply thing. Right. So because there's so few listings available, or there's so few homes available, that's the biggest difference between now and Oh, 50607. Plus, you know, the appraisal part has been regulated quite a bit more. You know, back then there were no middlemen for the appraisals. Right now. We have management companies, there's a go between, there's an extra level of due diligence that goes in before absolutely appraisal back. But no, it's just it's simple supply and demand right now. And that's why prices have gone up so much. And, you know, input costs, the cost for builders, to build these new homes is going has gone up considerably over the last I mean, the last 10 years but even more worse over the last two years, right, which is concern driven prices up in the resale market as well. Yeah. And

Unknown Speaker 10:03
since you brought that up, you know, I'm, I'm sure you hear oh, a crash is coming to crash and I try to explain to people so you live, you work through it. Here's the thing back when in 2005, like Elliott was saying, if you had a pulse, you could buy a home, you know, so there was not that many regulations they were. So it's a completely different different time. What like you said, now what's going on is supply and demand. The feds dropped the rate so low to get you know, 30 year fixed was so cheap to get a home I think probably the cheapest you've probably ever seen it What 2% Have you ever seen cheaper than that Elliot and your career?

Unknown Speaker 10:37
Now? No, 30 year no mid twos was the lowest I saw maybe 2.375. Back, you know,

Unknown Speaker 10:43
started a feeding frenzy. Of course, I'm gonna go out and buy a house if you're gonna give me a house for a 30 year fixed for 2%. So what happens I always tell my listeners, it's like a Black Friday sale in America, guess what? All the Teddy rump skins are gone. All the PlayStation fives are gone. So you know what I mean? So that's kind of where we're at with the housing market. The in is not just Vegas. You know, I've got lender partners and real estate partners all across the country. And they're telling me the same thing. Monique is, you know, dire over here, there's very little inventory. But I must say so far, I'm beating all my other realtor friends when I tell them that the whole Las Vegas Valley has less than 2000 homes for sale. It just blows their mind. But that's where we're at. So that's why it's key to have a lender like yourself, Elliot, in a realtor like myself, that can guide you through these waters. Would you agree?

Unknown Speaker 11:37
Yes, absolutely. I mean, I had a customer last year. Last May she put in I think 32 offers. It's not my place to tell the agent, what they're doing. Right or not. Right. But her 33rd offer got accepted. So I think, you know, you got to be a little more tactical than that. So that, you know, we can get get people in a contract

Unknown Speaker 11:58
was already third offer with you? Is that what happened? Or what happened? I need more details.

Unknown Speaker 12:02
Yeah, no, I don't know. I don't know. They just weren't making an offer. I mean, it was I honestly, I think last spring was the worst. It's a little bit better. And I don't think there's I think there's less inventory now. But for whatever reason, prices just spiked. Last spring for for? I don't actually know, you know, I don't really have a good answer as to why I just know that it was extremely hard to get into contract. during that timeframe.

Unknown Speaker 12:25
Yeah, well, you're in the you have to know how to structure the offer. That that that is key, okay. You also have to pick the phone up agents, if you're listening to me, and you've got clients, you know, here's something I want to share with you pick the phone up, call the other agent, they know what their sellers looking for. So that way, you know how to structure that offer for your buyer. Don't just send over offers and not make the phone call touch bases, have a conversation with the other listing agent and say, Hey, what is your seller looking for? Okay, well, my buyer is this, my buyer is that, you know, like you said, Hey, Monique, I pick up the phone and talk to the listing agent about my clients lending you know, and and about their, you know, where they stand with their with their offer, and how strong they are as a buyer. That goes a long way. So that's my little helpful hint for any agents that are listening. But back to us. Tell me about the jumbo loans and all the products that you offer over there. Elliot?

Unknown Speaker 13:25
Yeah, thanks. So yeah, just just as a refresher, the agency the the conforming loan limit, which is what Fannie Mae and Freddie Mac the government agencies, that's what they guarantee, they raise that limit up to 647,000 and change. So anything over $647,000 loan amount is considered Jumbo. Okay.

Unknown Speaker 13:46
I have to be clear, that's that's conventional is 640. Right. 647.

Unknown Speaker 13:51
Yeah. What is Ma actually raised so that FHA is up to 4022 and change. Okay, perfect, which that was a pretty big jump from last year. But I think previously, our FHA number was too low. So that's now for 22, conventional 647. And then anything over 647 is Jumbo.

Unknown Speaker 14:11
Now, what does that mean for a buyer that's thinking about about purchasing maybe a $700,000? House? What is what is the difference for them? What does that mean for them, hey, now you're a jumbo loan.

Unknown Speaker 14:22
So typically, you're gonna see slightly higher rates, we have some flexibility in programs as far as downpayment goes, we can do as little as three and a half percent down on jumbo product, nice. You know, anywhere, as little as three and a half, you can put down as much as you want. As long as that loan amounts above the $647,000 amount, okay. rates on those are gonna be a little bit higher, just because you're putting less down but still roughly, you know, low fours, typically, low. Conventional fours.

Unknown Speaker 14:56
Elliot, what credit score are we talking about when you say low wars?

Unknown Speaker 15:00
Yeah, so that's going to be you know, you know, the triple A. So 740 Plus good income, that kind of thing. So,

Unknown Speaker 15:10
I have a 680.

Unknown Speaker 15:13
Yep. Which I'd say I'd say mid to high fours right now. Still

Unknown Speaker 15:17
not bad, because back in the day that you were speaking of the interest rates were what 9%? Back then.

Unknown Speaker 15:24
Yeah, I mean, even in the last couple of years, the, the banks. So when you when you think of it, most of the jumbo product has been issued by JP Morgan, Chase, Wells Fargo Bank of America. And what happens is, they'll give you a rate that's below the market, as long as you bring, you know, X number of dollars and assets over to the bank, because then they can cross sell, you make their money back elsewhere, even though they're getting a, you know, a 30 year fixed rate mortgage in the, you know, it was in the mid to low threes last year. So that market was pretty much dominated by the banks up until the last 18 months or so. And now we have some very competitive products. What

Unknown Speaker 15:59
about your channels? What about if I have a student loan? I do, I told them a couple of what was it last year that that rule changed? Can you just kind of refresh them on that, if they have $100,000 in student loan, with that new rule that was put in place last year, you want to touch on that.

Unknown Speaker 16:14
So there's a couple of different ways we can structure it, if you have a zero payment due and we can prove that there's no money due, we can use that

Unknown Speaker 16:22
zero payment.

Unknown Speaker 16:25
If if it's an income based repayment plan, a lot of times, you know, if you've gone back into the workforce, or you know, you advanced degree, and you haven't started making the money that you're gonna make, sometimes those payments are, you know, they're, they're still at zero, if you're making payments on them on your credit report, we can take a half a percent of the balance. So you know, $100,000 balance, that's going to be roughly a $500 a month payment that we're going to hit you with, as opposed to whatever is on the credit, it could be more on the credit report, it could be less, but the line in the sand is typically 1% of the loan amount, or half a percent of the loan amount.

Unknown Speaker 17:02
And what that means you guys is when he's saying we're gonna hit you with the $500. What he means is that that's gonna go towards your debt to income. That means that is pretend like you have another car note now of $500. So it's going to just count against you in that kind of manner. My Am I explaining that? Pretty good? Yep. Perfect. Thank

Unknown Speaker 17:18
you for explaining that. Exactly. Yeah, no worries. Yeah.

Unknown Speaker 17:21
So that's what it just means. It just means Hey, what does that matter to you, that means that, you know, your debt to income pretty much determines it's part of what determines how much you'll be approved for your credit score does not have anything to do with how much you're approved for, I get that a lot. When folks call me. They say Oh, well, I've got great credit. So they think that they're gonna get this high approval amount, which I have to explain to them. That's not how it works. It, it works off of how much you've got coming in, and how much you've got going out. Listen, guys, if you're just tuning in, I'm Monique Buchanan, your local real estate agent, and your local relocation specialist. And I'm on the line with one of my lender partners, Elliot block. And we're just going over the current Las Vegas market, the current rates that are going on and the current products that Mr. Block and his company has to offer. So I'll let you go ahead and continue Elliot. Oh, one more thing. My number is 702984 3700 702-984-3700. Go ahead, Elliot. Sorry.

Unknown Speaker 18:20
No, no problem. To echo what you just said, I think the best way to think of it is take all of your monthly debts that you have. And it can add up to be more than 50% of your gross monthly income. So it's your income before any taxes or withholdings deductions, anything like that. So take all of your monthly debt payments, factor in what you think you're going to what you want to afford on them or what you can't afford on the mortgage. And then all of those things together cannot be more than 50% of your gross monthly income.

Unknown Speaker 18:48
What if they are?

Unknown Speaker 18:50
Then it depends. We got to look for some ways to maybe get some stuff paid down. You know, restructure a couple things, you know, restructure some stuff, potentially. So on government loans on FHA loans, you can go higher than 50%. But I just like to use that that's a good round number that people can

Unknown Speaker 19:07
take. Okay, so that's just a general general thing. So you know what I document? Yeah, exactly. I just did a little quick calculation, because Elliott has a product where if you're going to buy a $700,000 house, you only have to put 3.5% down, guys, that's only $24,000.24 Five, that's all it is. Now, we always have to remember that we do still have closing costs, especially in this market. Right?

Unknown Speaker 19:34
Certainly, there's gonna be some title fees. We as a company, we do not charge any lender underwriting or processing fees, so you never have to worry about any fees from us. That's great. But of course, there's going to be title and escrow fees. And actually right now to the end of April, we have we're issuing up to a $600 Pretty good credit on every primary primary residence purchase transaction through April 30.

Unknown Speaker 19:59
That's what Amazing guys, because theater bucks, right and the appraisal comes out of your pocket. That's an upfront cost, okay? So when you purchase a home, whatever that number is, so if you're purchasing just to give you an idea, let's say that you're gonna pay your down payment and your closing costs, you're buying a $700,000. Home with Mr. Elliot, as your lender and me as your realtor, you're going to come to the table, typically with about $43,000 out of your pocket that covers closing costs at 3% and 3.5%. Down. Now, you don't have to come to the table with that money until the end of the deal until we're ready to sign the papers. Okay, so that could be like, typically, what would Elliot 14 days, but in a normal market, 30 days, but so you have some time to get that together, your upfront costs are your appraisal, and your inspection. So the appraisal is $600, typically, and your inspection depending on how big the home is, can be like $400 or so. So that's awesome that you guys are going you guys are paying the appraisal for clients up until when? April

Unknown Speaker 21:02
April 30. Because just got extended. Awesome.

Unknown Speaker 21:04
Great. Well, you heard that I mean, we all love free money. Absolutely. Okay, one more topic, I definitely want to talk about Elliott, is my business owners out there that are hearing me I've got plenty of them. Hi, guys. So if they're thinking about purchasing, I kind of want to touch on that, like, you know, because taxes are coming up. They're about to file their taxes. What what do you need from my business owners in order to get them approved to purchase their property?

Unknown Speaker 21:34
Great, great question. So this has been a lot of discomfort over the last few years just because of how stringent a lot of these government agencies have been with the underwriting standards. It's it's dying somewhat. And right now we're down. So depending on how long you've been in business, we can use a one year tax return. Typically, it's typically it is a two year tax, we're required to provide two years of tax returns. However, I've seen recently, I had a customer last month, he hadn't filed yet for 2021. He was trying to estimate how much he was going to pay taxes on in order to qualify. I averaged I did a two year average of his income. And then it turned out we only needed one. And so he qualified for much higher loan amount because he made a lot more money in 2021. They didn't 2020 Obviously, I think a lot of people are in that boat, because of what happened with the economy in 2020. So to back it up, we can doubt typically go off one year, as opposed to two by case basis. So

Unknown Speaker 22:39
yeah, because it's always been a year's tax returns for my business owners. So that's great that you guys are able and like I tell my listeners and my my clients, you want, you know, different lenders can give you different products and different things. Not everybody's straight up and down, the bank may say yes to something. Or the bank may say no to something that my lenders will say yes to. Because like you said, you're you guys are independent, you're not held to those, you know, guidelines that maybe the bank is, for instance, you know, for example. Now one thing I do want to say now listen, you definitely want like you said, Elliott, consult your tax person, your CPA, because if you write off everything guys, then that that's gonna you know, hinder Mr. Elliott from getting you approved for that number that you want. Because you're showing that you only made sir 100,000 when really you made four but you had to write off all that. So that's going to Hey, you could only afford $100,000 house then does that make sense? So just keep that in mind when you're doing your taxes, talk to your CPA, let them know that you want to purchase and go from there of course follow your guidelines for taxes, but just you know, if you have to, I don't know pay some taxes on some other things and so you can get that number going I would say do it. So anyways, yeah, so is there anything else that they need besides that just their their tax returns?

Unknown Speaker 24:02
No, that's typically it. Yeah, but to your point, we they look at what you pull through onto your personal return from your business return so you have your business return, you have your personal tax return the line out depending on how your business is structured, but whatever you pull through on to your personal returns that's typically the number that we're going to use. We can add some stuff back that you've deducted but not you know, not nearly enough as you know like you said a lot of people are writing off majority of the their taxable income played out so they can lower their taxable which I get right but we we use what's on the personal return, right? So

Unknown Speaker 24:38
just keep that in mind guys, if you want to purchase this year.

Unknown Speaker 24:43
To your point though, the banks it's harder to get this type of financing done with the banks. That's both mortgage banks like Quicken rocket, those types outfits versus an independent mortgage broker. Only one out of five transactions are done with an independent mortgage broker. across the whole us right now. Wow, I think we're an underused resource for talking. Getting mortgages approved.

Unknown Speaker 25:06
Yeah, you know, because you know, the average person thinks the first thing they think is to go to the bank, and I'm not bashing banks. But listen, no, I like to tell people listen, my mortgage brokers, this is what they do, they don't eat unless you get your home, the banks is a little different. This is not their only facet of business, you know what I mean? So just keep that in mind. I'm not you. Like I said, I'm not bashing banks, you know, I love my little bank. But when it comes to buying a home, I want someone that's going to be just focused on getting a loan for that home. That's my personal take on it. And also, my professional take on it too, because my file is not sitting on someone's bank desk over the weekend, while my deal is still going, and I'll leave it at that. Coming from the real estate side. And you know what I mean? I agree with you, right? Because listen, my mortgage brokers like Elliott, they don't shut down Friday, and then open back up Monday. They're working through the weekend, just like your deal is still going through the weekend. So just keep that in mind. And I can't believe it's only one out of what did you say four?

Unknown Speaker 26:10
Out of five, one out of five right now.

Unknown Speaker 26:12
Wow. Well, let's let me let me tell you something. Yeah. I don't know if I'd be able to get a 14 day clothes. I mean, I'm not saying it can't happen. Obviously not. Probably not. So, listen, I hope that you guys have enjoyed the show. Eliot, thank you so much for coming on sharing all the amazing things that you have been doing as my lender, partner. And if you guys are interested or looking to win a bid. My number is 702984 3700. It's rough out there. You guys when it comes to purchasing right now. You need somebody that knows how to navigate these waters. Mr. Elliott block has been in the game for what 15 years now.

Unknown Speaker 26:53
Approaching? Yeah. Okay. Elliot, thank

Unknown Speaker 26:55
you so much for coming on the show. And, you know, blessing us with all this awesome information about how to win the bid in this crazy market.

Unknown Speaker 27:03
Yeah, awesome. Thanks for having me. I appreciate all my contact information. She'll put you in touch with me. Absolutely. I

Unknown Speaker 27:11
will. All right. Thank you, Elliot.

Unknown Speaker 27:14
Thanks, guys. Have a good one. Have

Unknown Speaker 27:15
a good one. Bye. Bye. Okay, guys. So Elliot dropped a lot of great information. It is a frenzy out there for buyers. Once again, if you've been thinking about selling your property, there has never ever, ever, ever, ever, ever, ever, ever been a better time? Okay, you're gonna get top dollar for the property. People are fighting for homes right now. There's very, very little inventory. So if you don't believe me, there you go. Elliot just backed me up and said yes, it's crazy out there. So listen, if you are driving around today, I've got a beautiful property that's got an open house going on. And it's amazing. It's a five bedroom home, you might want to check it out. Over in the mountains edge area. That address is 6362 Whispering Creek. The open house starts at 1pm until 4pm Today, go check it out. You guys once again that address is 6362 Whispering Creek Street 89148 Yes, in the primetime area. And guys, it's a five bedroom home three bathrooms. Go check it out. All right last time 6362 Whispering Creek today one to 4pm open house. Listen, I pray that you guys are having an amazing weekend. I want you to know I love you all very much. I appreciate each and every one of you that have been referring me and saying hey, are you thinking about selling your house? Call my girl Monique. You can and I really appreciate that. It does not go unnoticed. I want to give a couple of quick shots out to some family and friends of mine. Paul shad I've got Paul shad and Mojo love you guys. I have got Fred and Patricia Love you guys as well. The Richardson's while you guys enjoy this beautiful weather and until I hear from you, Monique Buchanan. Hi

Unknown Speaker 29:15
thank you for listening. This is Monique Buchanan. My license number is S 1788 46 and I am part of EXP Realty Tune in next week.

Transcribed by https://otter.ai