Welcome Home with Monique

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This is a kunv Studios original program. The

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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. I know you see me on the radio, but you still don't pay

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me. No 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, hello Las Vegas. It is Monique Buchanan the host of the welcome home with Monique show. And just want to say thank you again for tuning in this beautiful Saturday, I got a great show for you, like always, but first off, I want to give a shout out to my beautiful little girl, Malia. Happy birthday, baby. Today we're celebrating her birthday. She's having a pool party at our new home, so all of her little friends and family are coming over today. So happy birthday, honey. And then I also have my other daughter, my oldest daughter, the firstborn. She's actually here on the show with me today, with her college sweetheart that she brought out for my daughter's birthday, that I get to meet. So Alex is a college sweeter. Hi. Hi Alex.

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Hello, hello. I'm glad to be here. And

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of course, my beautiful daughter, Sanaya, thanks for coming on. Hello

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everybody. I'm so excited to be here as well. And then I

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have Linder, Mr. Valentino, are you there? Anthony,

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I am. How are you? Monique,

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I'm doing great. So tone, I decided, let's bring on, you know, the the younger generation. Let's see what their concerns are when it comes to buying a property. You know, what's on their mind? What's holding them back? What are they hearing, you know, from the older generation. And I thought that me and you could kind of tackle some of those questions and concerns that they have. You know what I mean, in the market? Do you think that's a great idea.

Unknown Speaker 2:02
It is it kind of, we can have kind of, like, informal, you know, pub talk of, of what those questions, what those real questions are out there. So we can just, just made a misconception and really give some facts to, you know, some of some of the biggest purchases in someone's, you know, someone's financial career, you know,

Unknown Speaker 2:25
yes, absolutely. So okay, Alex and Sanaya, what are some of the concerns? Like, what? You know, what's, oh,

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we got a couple. We got a couple. Well, that's good, you know, adulting, that's all that is very new. So I'm excited to get some of these answered today. Do you mind if

Unknown Speaker 2:41
I tell your guys's age? Yeah, go ahead. Okay, so Sanaya just turned 26 Alex, 27 he's whispering to me, so they're 26 and 27 so I know a lot of us out there that if we're not 26 and 27 we have kids that are or grandkids, so we can share this information with our our family. But what's one of your guys's concerns? What's on your

Unknown Speaker 3:03
mind? So right now, you're hearing a lot about interest rates going up right now. So like, is it a good time to buy right now? Or should we, like, wait till the interest rates drop? Are they? Are they even going to drop? Perfect.

Unknown Speaker 3:16
That's a great question, Anthony, is that not the like, the number one question not only on their mind, but probably on everybody's mind. What do you say to that, Anthony? What's your answer? Yeah. I

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mean, if I was set a cheesecake, every time someone told me that question, I would I would probably not want to have any more Cheesecakes for the rest of my life. I mean, that that is a question that everyone asks of should I wait or should I buy? And you know, in order to have a good understanding of what's the best recourse, you have to know where we were and where we are and where we're going, as far as the economy, and as far as what is is at stake and what is projected to come. And you always want to be two steps ahead of everyone else, so that way you get the best deal, and you're not a part of the herd. And the only way to do that is to have sound advice, follow the math and see where we were and where we are, to understand where we're going. And we do know that in 2023 the Feds raised the rates nine times, and that was because all of the money printing that was being done during covid And so all of that money had to come from somewhere which created insolvency or liquidity issues in the bank, which forced inflation to go up. And because inflation went up, the only way that the government could reciprocate that was to stop printing money and raise the rates. And everything is forward thinking in the economy. For the US, the government looks at things 612, 1824, months ahead of time so they can plan. They don't just fly off of the seat of their cushion. So in 2022, they saw the icing on the cake, and they said, Okay, we're going to raise the rates up to 10. Times in 2023 it came into fruition. They did up to nine times. And then in the end of 2023 they said, Okay, let's look at 2024 and they said, You know what, we're not going to raise the rates at all, as long as inflation gets close to 2% right now, it's at three and some change. And so they have not raised the rates this year. In fact, the Fed Chair Powell said he is going to lower the rates two times, presumably starting in September, and then by the end of the year, we should see two rate decreases, and it could be as much as a half a percent each one. Now He also advised what we should expect in 2025 the speculists are saying up to six, the Conservatives are saying up to four, but we're going to have somewhere between four to six rate cuts in 2025 so that tells us, over the next 18 months, we are going to see nothing but rate decreases which match. And that's

Unknown Speaker 5:57
you know what that equals, though. So just to sum this all up, that means that there's going to be a flood of buyers, and that's not good for you. So if you're listening to this thinking, Oh, good, Anthony said the rates are about to drop, I'm excited. No, you shouldn't be excited unless you got a lot of money in the bank, because you're gonna have to fight for the house that you want, you know, right now. You're able to walk around and get what you want, you know, and actually get a home that you want right now. But if you wait like everybody else, you're going to be a you're going to be in a fight, just like in 2019 you're going to overpay for the property, and then instead of getting the house that you and your wife wanted, you're gonna have to settle for whatever you can get. Am I right, Anthony, if you can get anything? Yes, yeah.

Unknown Speaker 6:33
You have to understand, in order to be two steps ahead of everyone else, you have to be proactive. And what do I mean by that is when you think, oh, rates are going down. A reactiveness is, let me wait till those rates go down, whereas a proactiveness is, well, wait a minute, probably there's a lot of people thinking the same thing I'm thinking, and it's a supply and demand issue. And when everyone over the past three years, jumps off the sidelines in an already low inventory, there's going to be 15 people wanting the same house. So I tell my clients, if you're looking to purchase within the next five years, the next 60 to 90 days are going to be the most economical for you, because you'll be going to be able to get the house you want with less people in line. You're going to be able to get some, if not all, closing costs by the seller, and then you can date the rate and marry the house and refinance it in a year, while everyone fights for a house that they want. Right?

Unknown Speaker 7:25
So while you're sitting in your house, and me, as your realtor, was able to get you 15, $30,000 out of the seller's pocket, you're looking at your friends that sat on the sideline now they're out there trying to get a house, and they're crying to you because now they've got 30,000 that they're going over list price and they're still getting nowhere. It's already happened, so it's definitely going to happen as soon as these rates do drop. So that's why I say Don't get excited. You guys. Don't follow the trend. Don't follow everybody else. You know what I mean. Go your own path. And like Anthony said, we can always just refinance the house, and we have ways to make that payment affordable. Anthony makes your payment affordable. There are programs out there that allow you to wait for those rates to drop and not pay the full mortgage, if that makes any sense from day one. So there's ways to do it, and we know how to do that. And if you're just tuning in, this is Monique Buchanan. This is a welcome home with Monique show. I talk all things real estate, not just here in Las Vegas, but I can assist you in all 50 states and in 24 countries, and so can my lender, Mr. Valentino, okay, okay, that was a long answer, because that is, like our number one question, right tone,

Unknown Speaker 8:30
it is. It's a good it's a good question, and it's good to know. And you know, knowledge is power. And you know, the more you know, and the more you understand, and the more you're educated on what you're doing, as far as homeownership, the more you're likely to jump off those sidelines and make that purchase because you understand what you're doing. So anyone who's listening out here, if you're thinking of buying a house, start asking questions, so that way the more you know and the more you understand. Okay, well,

Unknown Speaker 8:57
it looks like we have another question. Miss Sanaya is over here, just like, like, ready to go. What's your question? What you got?

Unknown Speaker 9:04
Yeah, so this would be my first time buying a home, and with that, I kind of want to know what types of government programs or maybe incentives, are available for first time homebuyers.

Unknown Speaker 9:16
Let me jump in. Let me jump in, even though that's Anthony, it's Anthony too. So we do have the down payment assistant programs, and me and Anthony have quite a few of our clients right now that are utilizing those. Anthony, you want to kind of give them the just of it, but I will let me before he starts and letting you guys know exactly how that works. Let me just say this, you are considered a first time homebuyer. If you have been renting your property or do not currently own, if you've been a renter for three years, you're a first time homebuyer. Anthony does not care that you were on your mama's deed, you know, seven years ago, and now you guys sold, or even five years ago, you're still considered a first time homebuyer as long as you have been renting for the last three years. Okay, a lot of people think that because they, once upon a time, owned that they're not considered a first time homebuyer. Am I lying to them? Anthony. Because this is your your thing, my line,

Unknown Speaker 10:03
you are a waterfall of facts. You know, you are just for, you know, the big thing is just understanding that what you're getting into there are definitely down payment assistance programs, whether it's on a state level or a federal level, but most down payment assistance programs come from a federal entity that get handed down to the state, and then the state disperses it, and then they take their cut, you know. So there's a lot. There's Down Payment Assistance home as possible, there's Nevada rule, there's wish, there's to Noah fund. There's a lot of different ones. And so really it's an understanding of what you're trying to do. There's some where you don't have to pay it back. There's some where you do pay it back. There's some where you only get a 2% grant. There's some where you get a 4% grant. The rates are dictated by the entity that gives it to you, so just know nothing's free. So if you get down payment assistance, know that you will see an inflated rate because they are giving that money to be able to be nothing out of pocket, as far as the down, but that's where Monique and I come in to help understand. What does that look like? What's my payment? What's my out of pocket? What are my options? And I usually show my clients, here's your option with first time homebuyer minimum down 3% here's your option with 1% here's your option with no percent, and they can look at that and digest it and say, Okay, what does that payment look like? What does that out of pocket? So when they start shopping, they are confident with the numbers, and they don't fall in love with the house and then realize that they fell in love with something that they can't afford.

Unknown Speaker 11:35
Yeah, you know, I want to, I want to just give you kudos for that, Anthony, because that's one thing that you make sure to do that. We make sure to do but really, you make sure that they know what their payment is. Do you would be, you would be just, you know, baffled at how many realtors are taken. It's not their fault. How many realtors are taking people out, and they've been approved, but they're looking at homes and they don't even know how much that payment is, you know, I mean, they just, Oh, you were approved, and they take them out shopping, but they're looking at properties that if their minimum or their max payment is 3000 but the property that they're looking at is 4000 they have no idea. So I thank you for always taking the time to make sure that all of our clients know exactly how much their payments will be on each house that they're looking at. And then I reiterate that, and then you also let them know, Hey, this is what your out of pocket is going to look like Monique's gonna negotiate money out of the seller's pocket, which, thanks, thank god I've been able to do 15, $30,000 all day long, right? Anthony, we've been getting sellers to, you know, cough up some money towards our buyers. You know, cost, but that's not gonna last forever. You guys, that window is shutting. All right? So you're looking at me, Alex, you got something else for us.

Unknown Speaker 12:40
That does bring me into my next question that I have, like, How much money do I need to have for, like, a down payment on a house? Like, how much do I need to have saved? Like, what? Like, what does that look like?

Unknown Speaker 12:55
Okay, that's a good question. So if you use the down payment assistance programs, they will take care of your down payment, and some of them even take care of a portion of your closing costs. Okay, so that's kind of what he was just going over. But let me just say this. Let's say that you're looking at a house now they're from Atlanta, you guys, because remember, I help you in any state. So they're from Atlanta, out there in Atlanta, you can get a nice house for $350,000 all day long. Now that down payment for you if you do not utilize your 401 k, because, yes, you can pull the money out from your 401 K, and in 90% of the cases will not be penalized, as long as you let them know that you're going to buy a home with that money, right? So if you don't have a 401 K and you say, I want to utilize one of the down payment assistance programs that Monique and Anthony have, then you have no down payment. All you have to worry about is your closing costs. But if you have a realtor that I referred you out there in Georgia, she's gonna go to the seller for your closing costs. So what does that really leave you to pay Anthony like, what what left if she gets the seller to pay the closing costs, you give him, you put him in one of the down payment assistance programs. But what are we looking at and what are the requirements? What

Unknown Speaker 14:03
I want them to understand is, when they purchase a house, there's two buckets of closing costs. You have your you have your closing costs that are the third party fees, title, escrow, taxes, insurance, appraisal, that's all the closing costs. And then you have your down payment. And so you have those two buckets. Now the down payment can come in the form of a gift, your savings, 401, K down payment assistance that takes care of the down payment. The closing costs can come from you can come from the agent, can come from the seller, and typically it comes from the seller. If you're working with Monique or one of her constituents, to where your first bucket of closing costs, which typically on the $350,000 house, you're looking around $10,000 so if you don't get closing costs from the seller, or you don't bake it in to the loan and raise the price that we see a lot, then you're looking at 10,000 for that bucket. And then if you're looking at two. Pay a $300,000 house on a $300,000 house with 3% down, that's $9,000 so if you were to walk in and not get your closing costs covered and pay standard 3% you're looking around $19,000 total. If you get the seller to cover the closing costs, you're looking at $9,000 total. If you get partial down payment assistance, you're looking at $4,500 total. If you get full Down Payment Assistance, you're looking at a big fat goose egg, a zero.

Unknown Speaker 15:31
We like the goose eggs. So that's what's happening right now, you guys. And I guess that's why we we're really pounding this into people's, you know, heads, just we don't want them to miss this opportunity, or their grandkids, or their their kids, or you guys, to miss this opportunity, that this window is shutting. Okay, it has been years, at least in this market, since we were able to get the seller to contribute towards anybody's any buyers closing costs or any money at all, because the Las Vegas market is just like the Atlanta market, which is very hot. Okay? People are pouring in, buying properties. So this window is not going to be open forever. So we're saying right now you can, if you follow these steps, and you come through, you know, and you have somebody that can negotiate closing costs from a seller, plus Mr. Valentino puts you in a DPA is what we call it, zero down program. You can walk away with nothing, or as little as $4,500 out of your pocket, and have your home okay? Because at the end of the day here in Nevada, there is no rent cap. They can continue to go up and up and up on rent. Rent is 100% interest. Keep that in mind, you're making zero money. You're begging for your security deposit back at the end of that lease, whereas in a year, when you decide to move on to another property, you're gonna scale up. Are you gonna walk with some money, not beg for $2,500 back? Does that make sense? Yeah, yeah. So what do I say? I said you can't have a Land Rover and have a landlord. That doesn't make any sense, right? Anthony,

Unknown Speaker 16:54
that's that's only three years into the house when you decide to leverage that equity and treat yourself,

Unknown Speaker 17:00
right? So Anthony, I want to thank you, brother for coming on. You're always dropping so much knowledge for my listeners, and I do appreciate that so much. You guys have any other questions? Okay?

Unknown Speaker 17:11
So, yeah, I do have one other question for you, Miss Buchanan, yes, I know everyone calls you Monique, I'm gonna call you miss Buchanan,

Unknown Speaker 17:18
no worries, that's fine. Respectful. You guys know That's right. Raised up, right? Had a big mama. Okay,

Unknown Speaker 17:28
so on the news, I'm hearing about this NARS settlement, like this new NARS settlement, where, you know the buyers are having to pay the realtors now, like, what's going on with that? You

Unknown Speaker 17:39
know that that's actually the hottest topic going on right now? I'm so glad you you thought to ask that, actually. So like, Yeah, let's go ahead and let everybody know. If you haven't seen the news, like Alex has, that's absolutely right. The law has changed. The rules have changed for realtors. Okay, before you could jump on Zillow and just go be a looky loo and just call up any old realtor, and a lot of them would just run out and open a door and show you a house. Well, that is now no longer allowed. They have to have you sign something called a buyer's brokerage contract. So every single realtor now must have you sign a contract stating that you will compensate them if you close on a house with them. Okay, so now that's the new rule. It has changed. Now here's the good news, sellers are still willing to compensate many of the agents. So in many cases, although you're signing that a lot of times, the sellers are still compensating. So in many cases, you won't, you won't have to compensate, because sellers are not crazy. They understand, you know, nobody works for free, and if they do shut that down, that's going to put more money out of the buyer's pocket, which will make a buyer pass their house up, and that's less people coming to look at their home. So sellers understand that, hey, I need to continue on compensating. Now, if you do get a seller that, for whatever reason, says, No, I'm not going to compensate, I'm willing for less people to look at my property, then that is when you'll have a conversation with your realtor. But in many cases, like for me and myself, I'm negotiating that cost from the seller. I was already getting closing costs for my buyers anyway. So now, if you do in the rare chance come across a seller that's not willing to compensate, we'll work it out. You know what I mean. But just know going forward, no more. Looky loon. You're gonna have to, you know, no more Sunday on board, let's go look at houses, because now you do have to, every realtor is required to have that contract signed before they can show you even one house. There is a huge fine that a realtor could face if they do not have what we call a BBA buyers brokerage agreement signed prior to looking at and opening any door. So that was a great question, Alex, and that's something that's been all over the news, not only here in Nevada, but all over the country, because it went into effect, actually, August 17, so it just went into effect. All right, so I'm glad you asked that, but let's go ahead to the fun part of my show. Now. Let me. You know, let me doubt and don't what is the word doubt? What am I looking at? Dote, is it dope? I don't know. Like when you just love your baby and you just don't on her, I think that's it. Well, check it out first, make sure I'm right. But yes, my baby girl, Sanaya Simpson, I'm just so proud of her. You guys. She's just done so many great things already in her little life of 26 years, you know, so many accomplishments, but the most you know, the reason that I'm mostly powered is her heart, even in school, even before you know, she got into college, she was just such a loving person. She would walk up to homeless people, ask them how she could help them, give them hugs and just be completely genuine. And I just like, wow. You know, my baby's always had a heart for people, and I just love that about you. So with that being said, I want to let everyone know that she has, she's now the founder of the vibrary. And before I mess it up, can you expand on what the vibratory is? It's really hot right now too. A lot of people have been reaching out all over the country, asking you to come to their state and host a library event. I love the name, by the way, the vibrary. So yeah, what exactly is our library? Sanaya,

Unknown Speaker 21:15
well, thank you so much, mom for that beautiful intro. So the library, I created the library after traveling six months all around the country, I was a nonprofit canvasser, and I spoke to hundreds of strangers every single day, and I found that the common issue that people are having, especially as adults, where a lot of people felt like it was very difficult to create friendships As an adult, and people felt lonely. They were really yearning for more of a deeper connection with people that wasn't so shallow, so surface level. And so when I moved to Atlanta, I had started throwing events with my company, the vibrary, and it's all around bringing together community through deeper connection and reflection that cultivates genuine friendships with strangers. Something I like to say is, you know everybody, everybody is a stranger before they're a friend, right? And when you go to networking events, it's time like that organized. So when you come to a library event, what you can expect is to be a structured, safe, supportive space for you to cultivate more genuine communication with people. And these conversations are LED and navigated by me. So we speak about mental health, we speak about navigating life and at the basis of it as human beings, we are all going through the same emotions. We all know what heartbreak feels like. We all know what anxiety, depression, happiness. We all know what these things feel like. We just have different situations that have been placed in our life to experience these emotions. So when you have conversations with strangers, and you're able to take down, you know, these barriers, you're able to realize that we're a lot more similar than we are different, and people really leave my events feeling just really poured into and it's a different type of feeling when you're able to connect with somebody that you don't know and pour life into them, right? And so it's been really beautiful. We've been throwing events every single month, and I'm really excited to keep continuing on on this journey, because it's very, very fulfilling, yes,

Unknown Speaker 23:13
and I got to witness, although I wasn't in Atlanta for your one of your events, I got to witness all the, you know, just the people standing up on online, on your IG and just saying how it really affected their lives, going to that event, being able to share some of their deepest and darkest, you know, moments in their life with complete strangers. And, you know, to get that off of your chest and to let's let it out. You know, that's healing. That's very healing. So I was very proud that you had, you know, come up with such a great thing for people. Now, one thing was, you had a you have a lot of men there that actually share. I thought that was pretty, yeah, pretty awesome, because most men don't share, yeah, you know, I don't know. It's just been my experience, they hold a lot of stuff in, yeah. Can you tell us a little bit about, you know, who comes to your event?

Unknown Speaker 23:58
For sure, for sure, we have a very diverse group of people that come, men, women, different age groups. We've had, like, 50, yeah, nationalities. It's really open and encouraged for everybody to come, because I think in the day, like we're all doing this live thing for the first time, right, right? And so no matter the time, yeah, the only, the only maybe, community that you're used to getting, you know, when you went to school, when you, you know, go to work and things like that. But there needs to be more safe spaces within the community to to cultivate more culture and to be able to break down barriers so people can can learn and listen to somebody that looks completely different from you, that maybe you wouldn't have the courage to speak to or come up to in a in a basic, you know, setting, but you know, you come to one of our events and it's structured, you know, you have questions, we break out into small groups, we get into deeper layers of life, and we allow people to be vulnerable and to be heard and to be seen in a way that feels safe, that is comfortable. And when you do that, you're able to cultivate. A different type of connection with others. And then after you cultivate that connection, you talk about who you know, who you are, then maybe we could talk about, okay, what do you do, how we can collaborate, how we can network. And I just hate that, you know, what do you do as a first question to people you know, because we're so much more than how we pay our bills, right? And I think that, I think that we can just, we can. We could really mend society in so many beautiful ways once we realize that we are all so similar and and especially in a climate right now that is very divisive, we need community more than anything. Absolutely

Unknown Speaker 25:32
that was very well said, and you're absolutely right. And I love the part where you said, you know, we kind of click up all of us, you know, we kind of just click up with, you know, our known tribe, yeah, but that's why I love to travel. I always tell my friends, travel, go to other countries. See how other cultures live, you know, get out there. Get with them. See what they're talking about. You know, if you don't, then, you know, it's like, it opens your mind when you go to other countries. But this is like, you're doing that, but right here at home, yeah, you're like, come on in, you know, sit down with somebody. Maybe you wouldn't have sat with, yeah, have a conversation, right? Yeah. So I just love that, that you're doing that. So, Alex, you were at one of the events. What as a man? What was your take on the event from a man's perspective? Vibrant, oh, man.

Unknown Speaker 26:18
It's, it's just, it's such a good feeling to have, like to see other men come and see them take off their mask, yeah, you know, because as men, we do hold in a lot naturally, right? And we do go through things and we don't really talk about them, because you're raised not to, yeah, yeah. So, you know, it's a challenge to find, like, a space to be vulnerable, yeah, to be, to be comfortable and feel vulnerable. So just to have other men to talk to about some problems or some some challenges that you may be going through, it makes you just feel so much closer to just, you know, other people, like, dang, like he's going through the same thing I'm going through, right? You know, I'm saying he's giving he, he's advising me, and I'm advising him on stuff that I've been through that he hasn't been through and vice versa. So it's, it's just such a safe space, and it's so it's so fulfilling to like to be in that to be in that community, and feel that comfortability, like man, like I can really take my mask off, I can really talk about things that I'm going through, and I can really like relate to someone else, you know I'm saying. So it's man, it's just, it's fun. It's fun to see this all come together, because I've seen it just start with just an idea, and she's brought this beautiful, just idea to life. That's awesome. And I just to see how it affects people, to see like people share their testimonies about it, man, it's amazing. Yeah, that is

Unknown Speaker 27:34
amazing. And I'm glad that you're just, you know, sharing that with us, because, you know, like you said, Men, hold it all in. I know that you guys even had an NFL player open about, open up about what he was going through. You know, to have, you know, a man open up like that in front of all these strangers and feel good about it, and then everybody's smiling and having a good time afterwards, like that is something that I feel like God had his hand on. Okay, so I just want to thank you guys for coming on and helping me understand, you know, what the young folks you know are thinking when it comes to buying a home, what concerns them, but also sharing the vibratory now that right there that's going to help millions. I already see that going all across the country and all across the world, because it's so needed. And like you said, especially right now, if somebody wants to check out the library, how can they get a hold of

Unknown Speaker 28:20
you? Yes, if you would like to keep in touch with what we got going on our Instagram. It is the vibrary ATL, and it is T, H, E, V, I, B, E, R, A, R, Y, A, T, L, the vibrary ATL on Instagram. And before we end and we're running out of time, I just want to give my mom some flowers real quick. You know, my mom raised me as a single mother growing up, and she's always been a hustler. She's always been somebody that has had the biggest heart, and she's just been such a inspirational woman to look up to, and she has cultivated me into the woman that I am today. And I'm just so happy and so proud of her for killing it in real estate. And I couldn't be more proud to have Miss Buchanan right here. Now. You

Unknown Speaker 29:03
know scripted at all. I

Unknown Speaker 29:06
gotta give my mom my flowers. So I just want to end on

Unknown Speaker 29:09
that I appreciate. I'm so proud of my baby girl. She's, yeah, she's amazing. And, um, anyway, so if you heard anything that interests you on the show, let me go ahead and shout you out. My number 702984, 3700 it's going to be repeated again at the end of the show. Welcome home with monique.com. Is my website, and until I hear from you guys again. Thank you. Sanaya, I love you and Alex, thank you for coming on. Thank you for having me. All right, that's it, thanks. 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, and please join me tomorrow at my church, Living Word Church on hassle. I'm part of the EXP Realty Group.

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