Welcome Home with Monique

Wesley Knight 0:00
This is a Kun V studios original program. The content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. You

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do you have to keep you have to keep

Monique Buchanan 0:45
good morning Las Vegas and welcome back to the welcome home with Monique show. This is your host, Monique Buchannan, and listen, I have got a power pack lineup for you today. So make sure you stay tuned. I've got some great clients, or not clients, I'm sorry, guests that are coming on. The first guest is going to be a good friend of mine, Mr. Amino sigby, pia, hope I said that right, and he has a down payment assistant program that he is going to go over with you guys, just answering all the questions that you may have in regards to the down payment assistant program. So you're going to hear it from the you're not a horse eminent, but the horse's mouth. So thank you

Emenyo Segbefia 1:24
for coming on. Thank you for having me. I really appreciate you having me on the show Absolutely. Now

Monique Buchanan 1:29
the second half is going to be exciting as well. We have none other than one of our own K, U, M, V business small business owners. Miss. Monica Moo young, how are you? Monica, good, good. Well, we're excited to have you come on as well. You're going to share some homeowner and renter tips for us as well. So let's go ahead and start with Mr. Segbefia. Did I say it right? Emin yo,

Emenyo Segbefia 1:53
it's Mr. Segbachia, but sevino or segbe works.

Monique Buchanan 1:57
I like it. Segbafia. I like to get people's names right. It's like, bafia, can I ask? Where is that originally from? I just, I'm curious. Yeah,

Emenyo Segbefia 2:04
so it's originally from the Volta Region in Ghana. I've been away person. So the name is origin.

Monique Buchanan 2:12
I love that. I love to, you know, names are powerful, right? So I love to say, where are they from? Where's your name from? What does it mean? Not just to throw this in there, my daughter, her middle name is, I know them. It's Ethiopian, and it means I have the world so names, just a little side note, and I've got off track menu. But my listeners are used to off track is good sometimes, right, right? So, Emmanuel, you have a great product that I have been utilizing with my clients for over 10 years now, blessing families with homes with zero down and in many cases even more than zero down, it actually your product actually gives them a little bit more than just their down payment. Is that right? Yes,

Emenyo Segbefia 2:54
that's right. So we have two products, one that just provides just a down payment, and another that provides a down payment and some closing costs. So, you know, there's some fees that you have to pay when you purchase home, so we try to help the bars cover some of

Monique Buchanan 3:07
that. Yes, and that's huge, you know, a lot of people, especially in these times, right? Ladies, oh, I forgot. We've got Becky, my partner in in real estate, on with us as well, too. Sorry I left you out. Becky, that's all good.

Becky Coins 3:18
I'm still here. Becky,

Monique Buchanan 3:20
I'm hanging. I'm hanging, but yeah, so that's that's really pivotal to have those funds, especially in a an economy where we're at today, where it's very hard to save in many cases, right? But yet, you're on the sidelines, right? And you're seeing these people buy up all the homes in the city that you want to buy a home and live in. So you're providing an answer for them. So let me ask you, What are the qualifications for your down payment assistance program? Yes, our

Emenyo Segbefia 3:45
qualifications, we try to make it as easy as possible for the buyers to qualify. So the minimum credit score requirement is 600 we have no income limits. What? So I know you're out in Las Vegas and some of your gambling, so you can put some of that aside, or you can rule a million dollars and still use our program, and then we have no first time home buyer requirement. And that is huge, because most of the other programs out there, they require that. We don't have that overlay,

Monique Buchanan 4:14
okay, but let me jump in and say, This is not for investors. I know my listen my kumv, listeners are savvy, honey. They're over there thinking, Oh, I'm gonna build a 1010, house portfolio with this program. So it's not for investors. What. What that means is that you cannot currently own a home, so me and Becky have to sell your property after we sell the property. Then if, like, for instance, we have a client right now. They bought last year. They're not gonna walk away with hardly anything, although, of course, I'm taking care of them. On the selling side, they're still not gonna walk away with a lot. So they could turn around and use this program for their down payment, since they didn't walk away with many proceeds. Is that right? That is

Emenyo Segbefia 4:51
correct. And another thing we can add is we have a lot of buyers that have a low interest rate. Remember, when everybody's getting those crazy 1% 2% 3% rates, yes, those buyers can keep their current resident right now, rent it out and use to know what to purchase the new primary residence. That

Monique Buchanan 5:10
is huge. Did you guys hear that? You guys hear me talk about building your portfolio by one strategy is to buy a home, live in it for a year, and then turn around, rent that home out, and now you are freed up to buy the next property with as little as 3% down. Well, here is a menu saying, Hey, I got something even better, buy it with zero down with my program. Is that right? That is correct, and still have the renters paying off your first property you bought. You're building a portfolio in a roundabout way, right?

Emenyo Segbefia 5:38
Absolutely. And it's all about getting started. You know, everybody always saves in as a cliche, the best time to plant a tree is 30 years ago. The next best time is today, and it's, it's the same for real estate now, as soon as you can get into it, the better.

Monique Buchanan 5:53
I love that. Until it becomes unpopular to sleep indoors, it's always a good, a good thing to buy real estate, is what I say, right? So that's a really good one, too. The best time to buy was yesterday and the day before that and the year before that, right? So that is true, yeah. So that Okay, so just so people understand, if you're just tuning in, this is Monique Bucha, and this is the Welcome Home Show, where we talk real estate, homeownership and community building. This is Mr. Eminio, and he is going over a down payment program. Now, do they have to buy do they have to pay this money back when they get the down payment assistance from you? Yes.

Emenyo Segbefia 6:27
So we have two options for them to repay. The first option, which is the most popular, is a forgivable second and what that means is all you have to do is make 36 consecutive on time payments to the first mortgage, and it releases your second mortgage. So that means you stay in the home for three years, you know, you make it payments on time, and then once three years are up, or the 36 on time payments are up, then that second mortgage is forgiven.

Monique Buchanan 6:52
I always like to that's good.

Emenyo Segbefia 6:56
I agree. I agree that's it's nice and easy. Most people stay in the home at least five years anyway. So yeah,

Monique Buchanan 7:02
yeah, they're calling me to list after five to seven years. Now, let me ask you another one. Emmanuel, real quick, because I know we don't have a lot of time. Is there any limit? Maybe I want to buy a $800,000 house. Will you help me with my down payment on that, you said there's no income limit with this down payment assistance program. Is there a house limit? Yes,

Emenyo Segbefia 7:18
yes. There is a house limit, and that just follows an FHA guidelines. Okay, so when Monique has a great lending partner that she works with, so he'll take you through all those guidelines and let you know what your your housing limit is,

Monique Buchanan 7:31
right? That makes sense. Okay, so that's perfect. And then you said that it is forgivable. Now there's a non forgivable one as well. Yeah,

Emenyo Segbefia 7:38
there is, and that one is repaid over 10 years at two, excuse me, at 1% higher than what your first mortgage note rate is. So if your first is at 6.5 your second mortgage will be at 7.5 over 10 years. What's

Monique Buchanan 7:53
the benefit in getting that one? Why wouldn't I just get the forgivable one? Right? Guys,

Emenyo Segbefia 7:57
yes. So the benefit in getting that one, it all comes down to how much it's going to cost you to purchase the help. But the cost on the forgivable is a slightly expensive than the than the repayable. Okay? So if you have a little bit more money, then you should be looking at the forgivable option. That makes sense. So

Monique Buchanan 8:14
here's the thing, guys. So let me just, you know, round this up in a way that maybe somebody that's not in real estate can kind of understand. Here's what's going to happen. They're going to give you the money for gonna give you the money for your down payment and a little bit more towards your closing cost. Now, if you do the 10 year one, let's say that you decide that in five years, you call me up and you do wanna sell, well, they gave you, let's say $12,000 for your down what's gonna happen is whatever's left over, like they're gonna do a proration of whatever you owe. So when you sell that property, we'll just simply pay back. Maybe you only owe 6000 of that you stayed long enough, right? Then they'll just prorate it and through your proceeds. Let's say that you're walking with 250,000 you'll pay back the down payment assistance program, the 6000 or whatever it is that you owe. So it's not like you're locked in. You can't refinance your house. You cannot sell. That's not the case you guys. When you use down payment assistance programs, if you, you know, go ahead and decide to sell or refi prior to their guidelines, you just have to pay them back prorated. Am I telling the truth? Is that how it works?

Emenyo Segbefia 9:09
Yeah, in a roundabout way, yes, just to make sure that we're clarified and everything is is correct is if you do the forgivable one, there's no interest rate on it. It's a zero. It's basically, if you borrow five grand and you try to refinance or sell within two years, then you're paid back for a crime and then for the for the repayable one. Just to make sure we're clear on that too, is if you've been making the payments for two years, whatever's left over on the principal balance is what you're going to be paying.

Monique Buchanan 9:38
Okay? So just so they Yeah, I just don't want them thinking that they cannot make a move. A lot of times, my clients were thinking, Oh, I use this program. They told me I couldn't do anything for five years. No, you can. It's just gonna be prorated. Okay, great. So here's another one. What does the application process look like? Because I will say there's a program out there. I'm not gonna name any names. Not gonna name any names. It seems great. It sounds great. But. Me tell you something. I've been in this business for 10 years. I've yet to close one because, well, anyways, I've gotten too deep. They drag you along and along and along and along and along and along and long, long you never get a house. By the time you get approved, the homes have went up 100,000 so what does your process look like? And I'm not exaggerating, by the way, so

Emenyo Segbefia 10:16
our process is pretty easy and simple. We do not add to your loan application process. We work with, uh, Monique's lending partner, and he takes care of everything for you up front. You don't even have to talk to me. I'm just here to answer any questions you may have, and you can close. If he says, Hey, we you're clear to close in five days, 10 days, or whatever the case may be, you'll be able to close with us in those days, and

Monique Buchanan 10:41
that's why we really we lean towards using your program, Emmanuel, because, you know, being on the lending side, obviously, I'm not a lender, but I know a lot about it because of my partner. I do know that he doesn't have to jump through all the hoops that he has to jump through with other programs. So that's always been really good, and it separates you from the other down payment assistance programs that are out there. There's there's some other ones that are good too, but that's one thing that you guys have cornered is we don't make you jump through a lot of hoops. And yes, we can get you close in a market that's going to be competitive. As soon as these rates drop, I need to be able to go to the sellers with my buyers and say, Hey, seller, we can get this closed in 21 days. Okay, we can close it faster than anybody else you know, even using this down payment assistance program now that puts us ahead of other other buyers. So that's pivotal in a different market, right? So I just want to say thank you. Thank you, amino. Is there any myths that are misconceptions about down payment assistance that you can think of that maybe you want to clear

Emenyo Segbefia 11:39
up? Yes, yes. So the biggest one is, you know how hard it is to get to the programs, and that's why we created what we have now, is because we want to make it easy and efficient for you to get into down payment assistance and get into a home we understand the big tool of what home ownership can do in gaining generational wealth. And the other thing too, the other big misconception is, the main common one is, hey, you need 20% to buy a home. I used to think that before getting into down payment assistance, and I'm here to tell you, there's many ways you can get into a home with just as little as three three and a half percent down, or now 0% down.

Monique Buchanan 12:16
Absolutely I'm glad you brought that up, because that is, I think, the number one thing I hear. We're listening to people that bought back in the day and back in the day, that's what they did. They put 20% down, but it's no longer needed, you know, if you have it, great, great. But if you don't, don't miss the boat, don't miss the home. So while you're saving up, somebody's buying your perfect home right now, and when you could be using this program, just get the house Absolutely.

Emenyo Segbefia 12:40
You can plant that truly, and you know, you can start that right now. That's

Monique Buchanan 12:45
right, Emmanuel, thank you so much for coming on and enlightening my clients. And I'm sorry my list well future clients and listeners about that down payment assistance program, if you're interested. 702984, 3700 702984 3700 This is Monique Buchannan, and you can also check me out on YouTube. Monique Buchannan, real estate. Eminio, thank you. We'll have you come on again to enlighten us some more about your great program. We appreciate you, brother. Thank you for putting all these families in homes. Absolutely.

Emenyo Segbefia 13:15
Thank you for having me, and the pleasure is always mine, Monique, anytime than any time for your

Monique Buchanan 13:20
mom. Thanks. All right. Have a good one, okay? And if you were just jumping on and you missed a menu, I'm just gonna do a quick recap. He has a down payment assistance program that me and my team use. You only need a 600 credit score. There is no income limit. Let me say that again, no income limit. Okay, so you can use this no matter how much money you make. Now, you do have to stay within the FHA guidelines of you know, purchasing, there is also a very quick underwriting. So in other words, it's not going to hold you up. It's not going to deter the seller from wanting to accept your offer, because they're very fast on getting it done. That is pivotal. All right, so once again, if you're interested in that down payment assistance program, 7029 84, 3700, me and my team would love to assist you in purchasing, not only your first home, maybe your second home, like you said, if you're already living in a 2% interest rate home, but you want to move up or scale down, we can always rent that property out. That frees you up to buy with his down payment assistance program, or as little as 3% down so and we're always here. If you would like to sell a property as well, we can assist. So let's jump on into the second part of our show. Miss Monica Moo Young, I'm so excited to have her on today. So just last week, me and Monica were part of the wealth multiplication panel at Mariposa lounge. Monica, I'm thrilled to have you on here today, because, you know, we can continue the conversation about your journey in business, and then we can also talk about this product that you've come up with now that's going to help my homeowners as well as renters, right? Just gonna say, I was just gonna pop in there them renters do. That's right. Okay. So for you that don't know, what was it two years ago, Becky, I had a and so we're taught not to say flood. Don't ever call your internet and say. A plus. Oh, sorry. Welcome Monica. How are you?

Monica Mooyoung 15:04
Good morning. She knows

Monique Buchanan 15:05
I'm a mess because she's one of the K UMB listeners. Yes, that's actually how we met. She was one of my listeners. Yes, love it. See, I told you all, all the listeners are amazing. I love them. Every time I go over there and list a house, or if they're my buyers, they're always super awesome people of all walks of life. I feel so blessed, and I'm saying that from the heart you guys. So we met from the show. Yes,

Monica Mooyoung 15:26
this is a great program that you have here, Monique, a great platform. You're really helping the community, and those that are really interested in home buying, your passion kind of comes through, and I really admire the work that you're doing. Thank

Monique Buchanan 15:39
you. Well, she beat me to my next question I was going to say. Now, Monica, tell us a little bit about your business and what inspired you to give me a call because you referred me another kumb listener to buy a home.

Monica Mooyoung 15:49
Yes, I would say that currently here in Las Vegas, I run Boston cleaners, which is a premium dry cleaning facility. Here we have three locations, one in Summerlin, one in the southwest off of Flamingo and Walla pine. The other one, which is our premium location, which is in southern highlands, right? And so

Monique Buchanan 16:13
Boston cleaners, yes, that's right. And she'll shoot so just to pivot real quick, and we're going to get to this new product. But when she was on the panel she was so the whole point of that was to bless as many people as we can. Because a lot of people call me, even as a real estate agent, and ask me business questions. Monique, how do I start an LLC? How do I do this? How to do that? And I answer them to the best of my abilities, right? But I'm a real estate agent now, MO. Monica, I call her mo because I'm Mo too. But anyways, she was on that panel, and she was breaking it down to a crowd of maybe 80 people or more, and they were allowing them to ask questions and get all their questions out. And you were so just, you just had so much information, and you were just, you know, so willing to share it. And I just, I just want to say thank you, because I watched you up there and said she has a heart for what, not only what she's doing, but for other people, right? So I feel like you know you will be blessed by that, and I know that your business, Boston cleaners, are already blessed. You guys are growing, and now we've got a new product. Yes, all right, let's talk about renewal.

Monica Mooyoung 17:11
Okay, so we have a division we've started, called renewal of Southern Nevada, and basically it's a it's a product where we're going to be a textile pretty much expert. We've already been in dry cleaning for many years. And so people will bring us items that they'd like to restore, right? And so often, when someone has an unfortunate situation of a fire or water damage is what we like to call it to their home. We have the wherewithal to be able to assist them through that process,

Monique Buchanan 17:44
right? And so when you say textile for someone out there that may not know what that means, what does that cover?

Monica Mooyoung 17:49
It would be all your garments, any sort of fabric covers, couch covers, or fabric related items, or even curtains or drapes, rugs, yeah,

Monique Buchanan 17:58
I had a client that told me his wife spent $300,000 on their drapes. Wow. Oh yeah. Well, he's got a multi million dollar house, but still $300,000 so when I had my water damage and yeah, I was unaware that that was something that was covered under my insurance. I had no idea that's,

Monica Mooyoung 18:16
that's right, Monique, so you want to make sure that, as your listeners are considering home ownership and looking at their insurance policies that they have the proper coverage for their belongings, because some things are just irreplaceable. We know that wedding now, yeah, we're in a very fashion forward sort of industry, or what we like to call fast fashion. So often, some of those things are just irreplaceable. You can't replace it.

Monique Buchanan 18:43
So, so it's good to know that these things are typically covered just even with a standard policy. Correct? Now, renters, you guys have to protect your stuff, because you brought up a great point when we were off air. You said, a lot of times, I think renters are assuming that the homeowners insurance will cover their items, when, in fact, Becky, you said, No, ma'am,

Becky Coins 19:02
not at all. No, I've had a couple of people in my neighborhood who had some instances that way, that we're renting, and we found out afterwards that they thought their stuff was going to be covered, and it absolutely was not.

Monique Buchanan 19:11
And you guys, what is it? $10 $15 to go to like lemonade and get your renters insurance? Yeah,

Monica Mooyoung 19:16
I wouldn't. I would just say that the nominal fee that it costs for coverage is pretty small in comparison. No one expects for an emergency like that to happen. No, you don't. I mean, it's almost, it's pretty devastating, right? You have some local nonprofits that really sort of are there to really hand hold people when they go through that situation. But it's almost like a car accident. To some extent. It's pretty traumatic, especially

Monique Buchanan 19:43
if it's a fire. So for me, I started off, you guys know, I'm all over the place, but I started off talking about my water damage experience. Just a couple years ago, I had to live with my two small children at the stratosphere. Yes, oh, that was fun. Um, no kitchen, but I had some garments that were, you know, in the water and and I didn't know that that was something that I could do. The ones that I will think

Becky Coins 20:09
you're just, you're you're done, yeah? Like that happens, I have to just start over. Yeah?

Monica Mooyoung 20:12
So, so with our process, what we do is we can assist the homeowner right away with what we call a rush service. So we show up. You tell us if your kids have uniform so whatever, we will go in and grab all of those items and treat them properly and try to ensure that we can save them and so it can get you through your first 48 hours, if you're at the hotel, or if you're in a situation where you might be out of your home for at least 120 days, or six months, or in many cases, we're seeing these claims be nine months, depending on the extent of the damage. So if you're out of your home for that long and wouldn't be needing your garments, we have facilities where we can clean and assess those items once we have approval and get their work authorization, and then we can store them for you. So if you say, You know what, Monica, it's not Christmas yet, but I use this table skirt every year. Yeah, even though we're not in our regular home yet, we're in a rental progration. That's right, yeah, it gives you that little sense of home until you can get back to your normal space. Yeah, absolutely,

Monique Buchanan 21:18
if you guys are just tuning in, this is Monica M young, and she has renewal of Southern Nevada. If you are currently going through a situation and you didn't, you weren't, maybe aware that you could use her services, you definitely can. So her number is 702-466-7633, if you have questions, maybe she's more than happy to answer your questions, right? Mo, definitely. So again, if you're interested, or you need her assistance with renewal of Southern Nevada, 702-466-7633, so yeah, that would have been helpful, helpful for me to have known a couple years ago when I was going through my water damage experience. Well, I was

Becky Coins 21:57
just gonna say how many people we all it's part of our home buying experience, right? And a lot of renters do think in advance to get their rental insurance. You walk around with insurance, but you never use it. You don't even when you're in that situation, you don't necessarily even think, can I use a you have it, that's what it's for. It's

Monique Buchanan 22:12
almost like they per I don't want to say, Well, I'm just gonna say it. I feel like they purposely don't, because, why didn't they tell me that? Why didn't they tell me all the things that were available to me. Well, a lot

Monica Mooyoung 22:21
of times, to be honest, it's, it's a very the adjusters are super busy. They're doing lots and lots of claims, so everyone is stretched, right? We're in an environment where we're actually do more with less. And so I don't think it's really intentional, yeah, I think it's from a standpoint of just knowing what's available, right? And so we're, we're new kind of like in this industry and doing that, but we're approved to work with all the insurance providers as well as a lot of the general contractors and those that actually do restoration. So we're not coming in there, you know, ripping out walls or, you know, actually drink that part of repair. Saving the garments. We're just saving the garments, whether

Monique Buchanan 23:05
that's the couch cover, whether that's the wedding dress, that's very rugs, the curtains, yeah, oh, the rugs even, that's huge, because those rugs are expensive, yeah?

Monica Mooyoung 23:15
And in some cases, they're heirlooms, yeah, that's what we find. Yeah, these things are just irreplaceable and just, you know,

Monique Buchanan 23:23
what a blessing that is, that you're able to come in and save those things that maybe they thought couldn't be saved, and this is at no cost to them, because the insurance is picking it up Correct. Well, that is something I tell you what. We had a good show today. I'll tell you what. We had great information from eminent now we're learning something new about I love learning new things, yes, about, you know what your homeowners insurance or renters insurance can cover for you, and save something that maybe meant a lot to you? Maybe you want to pass that wedding dress down to your daughter, you know what I mean? And now, right through your insurance, you can use renewal of Southern Nevada, and they'll come in and say that I don't need, I don't even know any other company that does that. So renewal of Southern Nevada. Is the name, and she is family, you guys. She is a kumb listener. You know, we like to keep it in the family. So she was, like I said, she supported me and my small business. And that's something I want to start doing, is having some of my small business owners out there that listen to me on a regular right, supported me for the last four years. Hey, let's let's play it forward. Let's support each other. You know what I mean? So I love that spirit about you, Mo, and that's why I want to have you come on, because I know you're a great person. You care, and I know you're a very savvy business woman. So thank you so much. So four locations, the Boston cleaners, now they can Is it three, three locations Boston cleaners, that was Southern Highlands, mountains, edge and the North.

Monica Mooyoung 24:44
Well, actually it's, it's Summerlin, just across the street from the Red Rock Casino, okay, right near the Costco, convenient location, and then off of Flamingo and Walla pie, right next door to the Albertsons there.

Monique Buchanan 24:56
Oh, okay, it was just there yesterday. Now. It's very okay. So then there's and then there's the third one in Southern Highlands, correct? Okay, okay, so two West and one in the South. All right. So you guys, if you're looking to get your garments clean professionally. K, UMB, Owner, sure that

Monica Mooyoung 25:12
would be www, dot Boston cleaners, Las vegas.com, Mother's Day is coming up. I did not know it, but they say about 70% of women, whether they're working or not, take care of the laundry for the home. So that could be a nice treat for you give yourself what we call a mental wellness break. Hint,

Monique Buchanan 25:32
hint. You know, some people can't stand dishes. It's like laundry to me, is like the never ending mountain as soon as I washed it, it has it. It's right, never gets put away. Oh my, yeah, it sits as a mountain. I wasn't I should, you know, it's TMI with me. I just tell you guys all my business, don't I? But yes, I have a little mountain of clean clothes that just never seems to go away. Well,

Monica Mooyoung 25:54
that's okay. Just wanted to let you know that for that, we can wash and fold for you, but no fragrances or anything like that, so if your family has any allergies, and then we can do that as a weekly service. So you can go and sign up on our website. Oh, I need

Monique Buchanan 26:08
to go sign up on that website. Well, we appreciate you, Mo, and thank you so much for supporting my small business. And I want to continue to support your small business. You're doing great things in the community, until we go on another panel. Becky, are you going to chime in today? You've been mighty quiet. I

Becky Coins 26:25
have been a little quiet today. I've been a little off, but that's okay. I'm getting my groove back. No.

Monique Buchanan 26:29
Girl, you got your groove. So thanks again, Momo, we will have you on again and to talk about renewal of Southern Nevada, if you're interested again. 702-466-7633. My information is welcome home with monique.com. Is my website. My email is Welcome Home Show 91.5 at Gmail. So if you missed any of this, you can always just reach out that way. Or 7029 84 3700 Okay, before I cut you guys loose, we have yet another kumv listener that has listed their property. It is in Spanish, trails, all right, fresh on the market. You guys, 7217 Mission Hills. Drive is the address 7217 Mission Hills. You can take a look at that property on my website. Welcome home with monique.com and check it out. But it is a two bedroom, two bath, two car garage, and almost 1800 square feet. But here's the thing you guys, it is in Spanish trails, which is a multi million dollar Community Guard gated with amenities, which I can't get into now, but you'll see it on the website. But anyways, it's a golf course community, you guys with exclusive amenities, Spanish trails, and it is very rare that anything ever comes up for sale in that community. So this one's gonna be gone quickly, especially because we have it listed at, wait for it, 499 999, so under $500,000 Yes, and it's my K UMB listeners out there. They I sold them a property a couple years ago, and they turned around and made an investment property they will be on the next show you guys talking about what they did with that investment property, and also all the amenities that come behind that guard gate of Spanish trails. So again, that address is 7217 Mission Hills. And if you are thinking of listing your property and would like it to be shot out right here on our platform, my number is 7029. 84, 3700, Becky, you didn't say much, but I love you. I love you too, Momo, I am so happy to have you on. Thank you so much. Was a pleasure. All right, until we hear from you. You guys be blessed. Have a great weekend. Thank you for listening. Please remember all terms discussed are simply an estimate. My license number is S 1788, 46, my phone number, if you'd like to contact me, is 702-984-3700, you can also find me on YouTube. Do.