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 0:26
good morning Las Vegas. Thank you for tuning in. I am Monique Buchanan with Deville Realty Group. And this is the welcome home with Monique show. On this show. I'd like to enlighten future homeowners with the home purchasing process as well as the home selling process. So thank you for tuning in. Well, hello, Las Vegas it is Monique Buchanan, the host of the welcome home with Monique show, and I've got yet another amazing show for you today. I have my favorite special guests, I should say my boat, my own broker, my mentor, Mr. Greg DeVille. Welcome to the show. Gray. Thank

Unknown Speaker 1:00
you. Thank you so good to be here. Once again. I appreciate you Monique. And all the hard work you do in the community helps so many families. You are a diamond in the rough. Thank you. And you're bold. We love it.

Unknown Speaker 1:13
Thank you Now y'all he's saying that because he calls me his mini me.

Unknown Speaker 1:16
Yeah. You both you both are veteran at this. You're you know your expertise goes without saying shame around. You've been around. Yeah, yeah.

Unknown Speaker 1:29
Did you did you did that? Y'all forgive us? We were laughing and stuff even before the show came on. We've got some great information for you today. A lot of changes are going on. In fact, Greg, they extended the moratorium again. What does that make? Three four times.

Unknown Speaker 1:45
So unfortunate for the landlord's fortunate for the tenants. Yes, yes. However, I did get three notices last week to sell the properties. Okay. So what we're saying tenants, if you're listening, the landlords are going to be selling the properties. I know in many cases, they have equity. Yes, they can't refinance because they've got delinquent or they've done a forbearance. Right. And because they've done a forbearance, they can't do a refi cash out and pay any bills. And they've been just trying to maintain their credit. Right. And yeah, it's been tough. It's been a challenge and to the landlord. Absolutely. So if you've been reading the I got a call from little old lady's 80 years old. Last week, she called me cheering me on my other radio, my am show and she says Mr. De Ville, I've been trying to reach you, I found finally found your number, right. She says, I'm 80 years old. She says, and I've been living in this house in Eldorado for 11 years. Yeah, she said I got a notice from the landlord. I got a letter in the mail yesterday. He's selling the property. 30 days. Yep. After 11 years in this home. And I thought my God, you how many people are out there who's never tried to get into purchasing a home and now these landlords are sell rightfully so because, you know, they, it's

Unknown Speaker 2:57
at the height of the market, they're gonna make more money than they ever could have made. Absolutely, you know, in the last seven, eight years, and I was telling my listeners on my previous show, my own neighbors, Greg, wow, I pulled into the driveway and I see the U haul truck. And I'm like, they've been there 14 years. Wow. I said, Hey, what's going on? They said, well, the you know, he's gonna sell he gave us a 30 day. Yeah, 14 years now. They paid on time. I actually knew the property managers. They said they were you know, when I bought the house, she was just telling me, you've got good neighbors, you know, the panel time, they're really good. So that's the only reason I know that, right? Anyways, it didn't matter. Yeah, a lot of times I talked to, you know, people and they say, Well, you know, I'm reading from a friend and I've got a good thing going, so I'm just gonna stay there, and I get that. But here's the thing, hey, when it comes time, he's gonna make the right decision for his family. That's it. Right. That's it and and right now we're at the, you know, the most you could make on your property is right now, if you were to sell, so when they know that they're gonna cash out to 300,000. You know, why wouldn't they? A lot of them are so

Unknown Speaker 3:56
the eight year old is 11 years in. Okay. So the seller decided he said, Look, I will try to get an investor to purchase so that you can stay there. But be but let it be known that the rents gonna go you're not going to pay that $1,000 For 11 years. Yeah, yeah. Realistically, it's about 1500. She said, I'm on a fixed income. So you know, when I did, I had to call one of my lenders, okay, and the lender got pre approved to purchase a home to purchase a home and I'm like, so there's so many out there who you don't know you can purchase until you make that that call. You've got to retirement maybe and her her deceased husband of she's a widow of a va va veteran. So they're able to reinstate the DD two,

Unknown Speaker 4:42
she was able to use his DD two. That's right, but also is out there that are unaware that they can still use

Unknown Speaker 4:49
absolutely that DDT. Now to be able to do that you have to be married at the time of their demise, receiving their benefits at this time. In order Do that. Okay. Not everyone is able to do it. However, there are many that can have we done it? Absolutely. We've so many homes, to widows of veterans and

Unknown Speaker 5:10
a lot of them don't know where to start. Well guess what, you know, reaching out is where to start, because we have the connection of who can look into that for you. Absolutely. And let you know, yes, you will be able to use that DD 214. Right. Or we need you to get these docks and we'll get it done. Right. All right. So that's, that's another

Unknown Speaker 5:27
show. So I think it would be it's a good place to interject your phone number because somebody sent you That's me right there.

Unknown Speaker 5:32
102984 3700 He's absolutely right. Yeah. My website is welcome home with monique.com and 702984 3700. There you are.

Unknown Speaker 5:43
There you are. So now the moratorium that uh, that it has been extended, however, landlords still want to sale, right? Again, because they have equity in the home. They can't refinance it for a cash out, what are the things they could do? If they can only cash out? Right? You didn't catch up on the payments? They can you know what I mean? Now we talk about the forebears what people are, you know, the moratorium. And so what the landlords have done is gotten the forbearance. So although the tenant like this lady, she still was paying her rent, through the through the hope. She says she didn't want to run into that. She was still receiving her monies, her disability and whatever else she's gaining. She did not stop paying. It did not stop. Okay. She was on a fixed income. So she had that coming in. Exactly, exactly. So she did not stop paying her rent. But does that mean because she's still paying, the landlord doesn't want to sell very well as selling. Right. And so

Unknown Speaker 6:37
and that's because we're, you know, the properties are going, you know, yesterday, back in November, a property that I looked at, was selling for 640. Yeah, that same property is at 900,000. Now, see

Unknown Speaker 6:49
what I mean? Why not? So here's a great app. This guy, she said, he bought it back in the low market when the Eldorado was like, $75,000. Unbelievable. Now he's selling it for like, $340,000.

Unknown Speaker 7:01
I love that area, too. That's one of my favorite Northwest areas, Eldorado.

Unknown Speaker 7:05
And so she says, I'm here, and I just hate to have to move. She said, I've been here 11 years, I say I can only imagine. You took things away that you forgot about, yeah, 11 years later, and you got to you got to relocate,

Unknown Speaker 7:17
and she's at trying to, you know, pack off. And that's the part

Unknown Speaker 7:21
that I really want to weigh in on is you've given 11 years, and now you're getting ready to go and rent guess what's gonna happen. You're getting ready to go and rent and I said, here's the fear I have for you. Right? Is that when you're 90 you rent somewhere they're gonna sell that Absolutely. Now you're 90 looking for somewhere to live? I said, let's get you prefer. We got to pre approve it that great. I feel so awful about that is you should that's awesome. You got pre approved and I'll tell you what, she's ready to go home by and

Unknown Speaker 7:48
then like you always you know, you always like to make me in Soto. I got this from you like to make our renters mad. Yeah. You know, that sweet little lady, you know, with her fixed income paid that landlord over those 11 years? At least $160,000 60,000. You bought it for 75,000? Right. Okay. So, like you said, you're older. Well, any of us, but if you're older, you know, it's harder to move. It's already hard on us young folks. I don't want to move. You know,

Unknown Speaker 8:17
I don't want to face stuff or that. I had that I forgot. Yes. In fact, a U haul it to my home recently. To clean out the garage. I say I just closed my eyes. Do it in truck. I'm like, Why haven't you done now? It's got to go right. And I need that third car garage space.

Unknown Speaker 8:31
I'm dealing with the same thing. I'm doing the same thing. And that Shouts out to my husband. It was our anniversary yesterday. Love you. Eight years and we're just getting started. Big ring. Yeah, great. me for my birthday.

Unknown Speaker 8:47
ring on it. Yes,

Unknown Speaker 8:48
he did eight years ago. Wow, that did that. But But yeah, but so you're so right about that. And, you know, not only you know, it's hard to move, but who wants to live in fear? Yeah. Getting a 30 day notice on your door. You've got maybe you have kids and now you got to try to scrambled. And here's the thing. Let's talk about rent. Greg. Yeah. Now, like you said, Miss Smith, you rented even just four years ago, she's paying 1300 for her big beautiful house with her kids. Yeah. Now, she's like, got a 30 day notice. She's looking at the houses and she's noticing Wow, it's $1,800 for this house. Now I can't afford that. And on top of that, the landlords want 700 credit

Unknown Speaker 9:30
scores. Not only that, they want you to make three times the rent. That's so true. You have to make that in your monthly income. A majority. A lot of them are requiring that three times the rewards need to be at least 620 Oh,

Unknown Speaker 9:43
that's good. You found one for 680.

Unknown Speaker 9:48
But wait a minute, how you only need a 600 to buy a home right? If you have a 401 K you only need a 580 If you're a veteran you will need a 560 credit score but You need this to rent to rent,

Unknown Speaker 10:02
to rent, right? Here's the thing you got to pay first last key deposit this because cleaning deposit by the time that happens, you've paid four or $5,000 just to rent and pay somebody else's mortgage.

Unknown Speaker 10:13
Yeah. So for example, I rented in Centennial 1500 a month. I did that for three years, right? I gave I did the math. I did. I gave 54,000 to the landlord in those three years, right? A gentleman heard me on the other show, and he says, well, mister, I've been here five years at 15, I pulled over immediately did the math, he paid 90,000 to a landlord. But in absolute in my, in my three years given 54,000 When I had a $2,000 deposit, when I got the check back, it was seven, it was only 1700 of that I say, wait a minute, wait, I'm hot. Greece at a Baptist church cookout for you took another three? Like I said, Never would I ever and they say Never say never right. But I made a vow that I'm going to do my best to never have to rent again. Right? Now I'm gonna do my best to make sure that I stay in business enough to always pay that mortgage. If not refinance it, adjust the price, and I'm in the middle of a refinance right now have great equity. Yes. And the great part about it is the rent is Oh, the mortgage isn't due until the 15th. When you're renting

Unknown Speaker 11:24
is due is due on the first no later than your fifth year, right. And so on

Unknown Speaker 11:28
the sixth, by the 10th. I have to serve you as a landlord in eviction notice by the 10 year mortgage when you own a home isn't due until 15

Unknown Speaker 11:36
days, 18 days, 18 days, even

Unknown Speaker 11:39
after that, I think there's a minimal late fee, you could pay it by the 30th of the month with a minimum. Right, right, right. I mean, you just need that money. You don't get that grace. When you renting. No you don't. That's the problem. So we talk about moratoriums being extended. But now landlords can still give notice now your tenant is not behind in the rent, your tenant is on time and their month to month. Okay. Now if they're in a lease, you have to honor the lease. But if they're month to month, you can serve them a notice that you're selling the property at 30. Don't feel like you're being held hostage. Because of the moratorium, you can still serve them a notice. It's not an eviction, it's just serving note, I'm selling the property. Now a lot of landlords are having difficulty selling the property because the tenants won't cooperate. So we're having to wait until the tenants move out. Now, here's the thing, there are some investors who would love to purchase the home life a little late. That's right. And so they'll purchase the home and keep the tenant in some cases, but the rent is not going to be where you were right? The only time the rent can stay there is it it's in a lease. I have to if I'm a buyer, and you have a lease tenant in place, I have to honor the lease to the lease expires. Yeah. So that's an issue for many, but that's a good thing for an investor, right?

Unknown Speaker 12:58
Because you think as a rent roll, there you go.

Unknown Speaker 13:02
Approaches next month, the money comes directly to

Unknown Speaker 13:04
him. So landlords like he said, don't feel like your hands are tied, there are options. And once again, the number for more information is 702984 3700 702-984-3700. Welcome home with monique.com. Listen, like once again, if you're just tuning in, we've got none other than Greg Deville here on the show my mentor my broker, and he was just talking about the moratorium and what that means for you if you are a tenant or if you are a landlord, your options. Okay. One thing I do want to say I was talking to some clients, I actually can't remember the listeners who called me yesterday, and they were from Sacramento. And we were just discussing the market here in Las Vegas, you know, they're looking to purchase and I said listen, or they told me they said listen, Monique, we lived in Sacramento. We watched this exact thing happened that's happening in Vegas in Sacramento. So what do you mean? They say well, all the people from you know, San Francisco started pouring into Sacramento because it was cheaper or it's cheaper you know homes just like Vegas all the California people are pouring into Vegas. They said honey and that train didn't stop you know now the prices are sky high. They said so we want to hurry up and purchase right now because we know this is not going to get better. This whole idea of a big crash you said No honey, that's not going to happen. And I agree with them now do I think the market is going to correct itself a bit? Yeah, maybe as you know once these landlords are able to start really selling and we'll get more inventory on the market Yes. I do think that the prices will come down some what do I think it's gonna be like crazy No, because obviously they don't have you won't have the same competition you're gonna have you know, way more competition now if there's more homes on the market

Unknown Speaker 14:48
so what I see when you when you speak it on that note is I see an airplane right the airplanes taken off and when it gets up to 36 37,000 feet it starts what leveling leveling off. You just want to do it's going to level itself off. There you go. So what crashed the market in many, many think there's a bubble I hear people say, oh, there's going to be but listen, listen, listen. There's no bubble. Interest rates are so low. How low can you go? Right? Can you go? Can you go? All the way to the plug?

Unknown Speaker 15:17
Sorry, I'm back. Now I'm back. I'm back.

Unknown Speaker 15:19
But listen, so the interest rates 2.875 For first time buyers

Unknown Speaker 15:22
right now unheard of. That's historical isn't? Business, what? 20 years? 30 years. 30 years. Have you ever seen 2%?

Unknown Speaker 15:30
Yeah. What do you have? 2.5 is about as low as it got. Okay. That wasn't that long ago. It was in 2021.

Unknown Speaker 15:37
No, I'm saying prior to COVID. Had you ever seen a 2.5? That's what I'm saying? Oh, no. Prior to COVID?

Unknown Speaker 15:44
They were down when COVID was coming when you know, they weren't to not like yes, he

Unknown Speaker 15:48
you told me Monique back in the day used to be? That's what that's what a lot of us don't realize back in the day. Yeah. Yeah, they were 10 12%. Right, Greg, I started back

Unknown Speaker 15:58
in 2005. And we were like 789 percent interest rates. And

Unknown Speaker 16:03
you were bragging if you can get your client at 7%? Well, I

Unknown Speaker 16:05
was man. I was like, Look, I can get you know. Now. I'm not a lender. I'm a real estate agent. We were real tours. We work with several lenders we have I know I do. And I try to expose you to who I work with so that we can kind of, you know, because we're on the same field with our radio show. You know, I'm so glad you got to show Monday. I think you are doing wonderful on this.

Unknown Speaker 16:27
Well, I got it from you. Well, you let me do your show. Yeah. So

Unknown Speaker 16:32
just for a little history sake. That's right. When Monique first started and she would come on the show and and we would Converse back and forth like we're doing now just relax. Yeah. But when I go out of town and say, Monique, I need you to do the show. Monique said What am I gonna say? I'm saying what you've been saying all the time. She says, you know, you're right. To say just give me the mic. Yeah.

Unknown Speaker 16:52
Greg, because your whole motivation for that show was to spread the word through the community and to the community. And you have you have blessed so many people and I love started with just me and you. Now you've got 42 agents agents out there. If you're looking for a home Deville Realty Group is the place to go. Let me tell you okay, 100%. Office, and let me tell you, it's a family friendly office, like you feel like you're part of the families what I mean by that. But you know, real simple he's there, you know, one thing I so I did go to different brokerages, you know. And when I went to them, not, you know, they, you know, they have their benefits, but one thing I'll tell you, you couldn't just pick up the phone and call your broker. And that is so key, especially for the new agents that are out there listening. You know, I have some years in and I've had some experience already. And so you know, I don't have to call you as, you know, barely ever hardly anymore. But in the beginning, I called you a lot. Yep. You know, just make sure that I'm taking care of my client, you know, so it's hard as an agent, if you're not able to get that expertise on the phone. Well,

Unknown Speaker 17:51
you know, just for records sake, you are my agent, and you still call me. Yeah, you weren't my agent.

Unknown Speaker 17:57
That's when I went to those other big brokers.

Unknown Speaker 18:04
I know, I know, I don't

Unknown Speaker 18:05
get a hold of the brokers and the other big. She said, Can

Unknown Speaker 18:09
you help me I have a Notice of Default we're going to talk about she said, but I have a gentleman who you know, needs to sell his home, the bank's gonna foreclose on it. He says, and I looked at it, and he but she said I'd never dealt with it. She said, Could you help me? I have never dealt with some other company. I said, Well, no. What's happening?

Unknown Speaker 18:27
It can't get a hold on my brother. Come

Unknown Speaker 18:28
on, let's talk about it. We just talked about it, right. And I just gave you some wisdom. We didn't

Unknown Speaker 18:32
just talk about it. You went over there with me and sealed the deal and helped to help me help that man under your belt. Listen, I'm never to deal under your broom. And that's right under a whole nother brokerage. I'm never too proud. If I you know, don't know something I'm gonna definitely find out. So I'm not going to let my clients suffer. So that's why I sure did reach out to you. And you met me over there. And we were both able to come together. And bless that that gentleman and it was right before COVID, you guys. And this gentleman was able to walk away with a significant amount of equity that he otherwise would have lost. Right? So anyways,

Unknown Speaker 19:05
let's talk about that. Okay, we're gonna go to the notice of default to talk about them. So talking to the ones to the individuals who are dealing with notice of default.

Unknown Speaker 19:14
Real quick, right? Yeah, he had been ignoring that that mailbox. He had been ignoring that mail. Nobody wants to face that nobody wants to have to deal with that, especially if they don't know what to do so

Unknown Speaker 19:24
so my listening audience on the am and FM that I do, I begged them to check and read their mail, I beg my audience to open your if you're on a notice of default, I'm going to plead with your team, your audience to say read your mail. I know you see it and you're like I don't want to open it. I already know I'm behind. What they need to know is in that letter, there may be a sale date. If that sale date happens and you don't contest the sale date or tried to do a pre foreclosure sale, they could sell your home and the next knock on the door would either be for one or two people, either the real tour telling you this property has been purchased by another owner. And it's gonna go up for sale or number two, it may be from the new owner themselves, giving you a 30 day notice right and while you've been there for all these years, and it's sad that people will pour into someone else's home all these years why know why cuz they haven't heard the Monique show somebody hasn't heard the Monique show to understand. You can own your piece of the American Pie. That's right. And you can get it with no money down a VA loan. You can go with conventional loan first time buyer loan. Interest rates are phenomenal.

Unknown Speaker 20:28
Right? Right. But But what the anody is like you were saying he had what the gentleman we helped 20 years

Unknown Speaker 20:35
in in a home in fact, I used to live down the street. So I shared this key with your neighbor, his grandkids went to school with my kids, right. And they knew each other and I'll tell you what, we were able to get him his equity. He moved to Pittsburgh, sure dad was

Unknown Speaker 20:48
doing wonderful in it. Here's another thing they're able to purchase again.

Unknown Speaker 20:52
That's it within a year, so I've helped families saved them 140,000 plus, now I've helped families save 6080 Okay, if it's 30,000 Guess what? It's yours. That's right. And if you let the bank foreclosure foreclose, now, I did have a law firm come to my show and explain. If they foreclose or you have equity they're supposed to send you will check with that balance once they take the monies that they have, you know, with the with the load. That's all right, once they take that back, pay any any fees that may be associated. Listen, if you're in an HOA and you haven't paid your mortgage, pay your HOA,

Unknown Speaker 21:26
you'd be here with my girlfriend, she was paying her HOA when she wasn't paying her mortgage. Stay there for like four or five years.

Unknown Speaker 21:32
So I'm not telling you stay for five years at HOA because the junk fees on the HOA are ridiculous. Okay, I have a gentleman Oh, like 9000 but with the junk fee to $21,000 to the HOA. And I'm gonna tell you what the banks can foreclose on a property because you know what, they don't have to go back but nine months. So they can foreclose in the bank said Let be more profitable for us to foreclose. So if you got to notice a default, let's try to do a pre foreclosure sale right now with the Notice of Defaults, remember, that notice is putting you to know that they are aware. And the other thing when we get so much information here, right? Because you're talking to your bank, which is your servicer. It might be Bank of America, whomever. There's a foreclosure department, the left hand doesn't know what the right hand is doing. Right? So the bank is saying, Yeah, we're going to work with you. Well, your file was sent over in the foreclosure department, after 90 days, it goes to the foreclosure department, they start a process. So although your bank says you will work with you, the foreclosure has already started, it's already started their profit. That's why I'm saying read your mail people, because it's very important. If you read the mail, and they got a sale date, although the bank says we're gonna give you a chance to catch up, right, the foreclosure sale and we're proceeding forward. And you

Unknown Speaker 22:46
know, what else is important is to have someone that knows what they're doing behind you. So for more information, or to contact us 702984 3700, if you're going through this, like Mr. Deville said, Don't ignore your mailbox, salutely you need to check the mail and look for what that fits the notice of default date.

Unknown Speaker 23:04
And sometimes it's not from the bank that which you're speaking to, you know, this was an undisclosed letter. Mail, you don't recognize it. Open it anyway. Right, because it may be the very one from the foreclosure department that says we've got a sale date on your property. Now I have been able to do pre foreclosure sales. And what happens is three days prior to the sale date, so if its sale date is September 10, September 7, when we got an offer on the property, we can call the foreclosure department let them and they can postpone now, have we seen it happen? Absolutely. Have we seen it be denied? Absolutely. Yes. I had docks at title in the foreclosure said we're not extending it as a sham. We're right at the table negotiation, they're ready to sign. And the foreclosure bank says no, we're proceeding forward to sale date and we're going to put it on. And the sad part was it didn't sell at the auction block. So I called the bank I said the buyer still will. They said no, because once it doesn't sell, it goes to another field in the back office. Now it sits on a pile for about a year before they can get to it. That's a shame we had a buyer. So so don't just take for granted because you got a buyer. It's gonna happen. No, let's let's expedite. It's very time sensitive. Absolutely. So we your mail, checking the sale dates. 702984 3700. I like that great. Yeah, listen, because what Monique doesn't know she go call me anyway. So we'll be able to converse about it. And this is what I do. I love so

Unknown Speaker 24:32
actually, yeah. So and I know you do and you're really amazing realtor and especially when it comes to that into Notice of Defaults. So more than likely, I'll probably end up just plugging you with Greg to be honest with you. It's okay, I do them. But he has so much experience behind it. And once again, I'm all for giving my clients the best of the best. So let's transition on into the grant program so we can you know, just guide them into how they can become home owners even with as little Well as a 600 credit score, that's amazing, right?

Unknown Speaker 25:03
Greg just started to just a few weeks ago. Yeah, they

Unknown Speaker 25:06
dropped it down to 600. Well, no, it didn't just start. We've been using it for how long? Greg? Seven years? Yeah,

Unknown Speaker 25:11
it's my house, right? On the exact same

Unknown Speaker 25:15
probe, right. But you're right, they just changed it all the way down to your minimum FICO score, only needing to be a 600 602 years on the job. You know, if your most recent paycheck stubs, right, and if you are in self employed two years tax returns, if you owe money on your taxes, don't think you can't you know, that you can't purchase because you know, you can always just file your taxes for the previous two years. And as long as they see that you are on that unit plan, right? You owe money just be on a payment, what is it three payments,

Unknown Speaker 25:47
three payments on a payment. And they're saying, and another thing is, is families aren't aware that you need trade lines, trade lines could be used from a cell phone, now you're able to take the T Mobile and use that as that you haven't been laid in one year and nobody's laid on their cell phone, right? No. Gas would be turned off. auto pay gas isn't on auto pay, the water isn't on auto pay, but the cell phone auto pay? That's right, but but they're able to use your auto insurance, because you're not late on that for 30 days. So they'll compile a trade line for you to help build. So if you say, Well, I don't have any credit, what I recommend working with nine or 10 Different lenders let just put them in touch with one of them. Let them review it. I say it doesn't cost anything to review it. I like to say get a strategy. You're

Unknown Speaker 26:33
right. And with that strategy, they will know how to move forward, you know if nothing else, but let's just wrap up this grant real quick. Like, I just want to go over some of the key points. Okay. Like you said, 600, minimum credit score two years on the job, right? Okay, no income limit for this. So you can make $100,000 and still purchase, I can sell your current property and you can turn around and use this grant to purchase the next property. What are some other things that you've done with free

Unknown Speaker 26:57
by representation?

Unknown Speaker 26:59
That's right, you know,

Unknown Speaker 27:00
absolutely represent you absolutely free 99 399 need to worry about putting some to the side, I've had people contact and say, Well, how much is it going to cost for me to have you you know, I just do it without there might be? It's absolutely free, right? So when you go to a new home builder, take representation. People think they're saving money by not going with a real tour, right? When we represent you free. Yeah. So you want someone a gentleman called me the other day, he wants to purchase a home. And the lady his friend lives in it, and they want to help because the landlord is selling the house, right? They want to put her out, they've given her a notice. She just had a hip replacement. And he says, No, we're gonna buy the house and let her stay. She's been living there. 12 years, he says, But I talked to the property manager I said, but you need representation. He says, Okay, well write up the offer 345 This is where it's at. And I wrote it got it accepted. There you go. Don't get don't go without a real tour representation. You don't go to court when I'm an attorney. Right. Right. And that is so much pro bono and you go with an attorney and

Unknown Speaker 27:58
with those, you know, that's my specialty is brand new homes. And let me tell you, their their contracts are like 100 pages. Yeah, so please tell me that you're gonna sit there. Since you brought brand new brand new homes, I do want the people to know that this grant. You can purchase a brand new home you're not limited. There's not a zip code driven so you can leave where ever you so choose it. It's an amazing grant you guys like I said I personally used it myself. So

Unknown Speaker 28:23
using it, I keep your money. Yes. And one thing I

Unknown Speaker 28:26
will say one thing I will say I am a team, we are a team and we are the designated Realtors of our team with this grant okay, because I get a lot of people that call and just want the information I'm sorry, that's not how it works. I will have to represent you as your real tour. Yes. So just so you know, because and here's the thing not a lot of people know or or are aware of this grant right and because they don't advertise right but it's been like you said we've been blessing people with this grant for what seven years we've been

Unknown Speaker 28:55
around we've been doing it and even though if you tried to ask another real they like what is that about? Yeah, they have no clue you just call me yeah, you want to say if that's not your specialty, stay out of this lane. Yeah, stay in your lane, whatever that might be. But in when it comes to grants and things like that. This is what we do. We spent I specialize in helping families. Absolutely. first time buyers. I love first time buyers. I love them too. But as you get ready to close I want to say to the first time but be realistic on what you can have. That's true because you know right now 350,000 is only giving you about 13 1400 square feet.

Unknown Speaker 29:26
All right, guys. Well, we're gonna say goodbye and have a blessed weekend. Take care. Bye

Unknown Speaker 29:40
Thank you so much for tuning in to welcome home with Monique and I look forward to you listening next Saturday 8am Mine Nevada real estate division license number is S 17846 Be blessed. See you next week.

Transcribed by https://otter.ai