Welcome Home with Monique

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

Unknown Speaker 0:25
good morning. This is Monique Buchanan, the host of the welcome home with Monique show. And on this show, I talk all things real estate. Listen, I want to thank you for tuning in. Where well hello Las Vegas. It's Monique Buchanan, the host of the welcome home with Monique show. And I once again have a an amazing show for you today. I have none other than my preferred lender Miss Jamie Butler Taylor. Hi, Jamie. Hey, Monique. Thank

Unknown Speaker 0:52
you for having me. Of course. I'm

Unknown Speaker 0:54
so glad you're finally able to make it on the show. Listen, you guys last last week's show. I was talking about how it's an amazing buyers market. And listen, Jamie has some program. She said, Monique, I've got about six programs that I want to get, you know, get the word out. I said Well, honey, come on over and get the word out because my listeners are ready to listen and hear what what you have to offer because they're going to help you guys get into homeownership. And that's our goal. Right, Jamie?

Unknown Speaker 1:24
Absolutely.

Unknown Speaker 1:25
Would you agree with me saying that it's

Unknown Speaker 1:26
a buyers market? Absolutely. Yes. The market has changed so dramatically even in the last 90 days. Yeah. That is now the time we are seeing sellers contributing we're seeing price reductions.

Unknown Speaker 1:40
Yes, absolutely. So like I've been telling my my buyers, my listeners I should say that maybe know somebody that has been thinking about buying I'm telling them don't sit on your hands is definitely time right now. It's like a sweet spot. Wouldn't you agree?

Unknown Speaker 1:54
Absolutely. I'm hearing the same thing people are people are a little bit nervous right now but you can't win monopoly by just going around collecting $200 Every time you pass go that's not how you're gonna win.

Unknown Speaker 2:06
No, I like that. And that's very true. You know, the quickest path to to wealth is through home you know through real estate and real homeownership. So for many people so anyways so let's go ahead and jump on into it. We've already told you guys hey, it's a buyers market this is the first time and at least eight years that has been a buyers market in Las Vegas in my line am I telling the story is my grandma would say you are absolutely

Unknown Speaker 2:28
telling the truth. I have never seen the market swing like this to the buyers favor

Unknown Speaker 2:32
literally overnight. You know, I did not hesitate to say hey guys, listeners my listeners listen up it's literally a buyers market overnight it almost seems like we were so strong my sellers were you know, I was cleaning out with my sellers. You know, we were able to get above and beyond you know our asking price. buyers were waving you know repairs, they were waving everything appraisals, to get the you know, to get the property that has completely changed. Now I'm getting sweetheart deals, I'm able to negotiate sweetheart deals for my buyers and you're seeing that as a lender, right?

Unknown Speaker 3:08
I'm seeing that as a lender. Some of the things that I've seen that have really changed and recently last again 3060 90 days where we're seeing it, it had been years since sellers are paying closing costs right now. The most expensive part of buying a house someone's helping you out with the sellers contributing This is huge

Unknown Speaker 3:28
it's huge. You know what else Jamie? So maybe my listeners they don't have a lot of money saved up Guess what? It is time for you to to buy because here's the thing, the sellers are contributing closing costs. Jane is about to talk to you about how she can get your down payments paid. What does that leave you with? I've got buyers right now coming out of their pocket with less than $1,000 Am I right?

Unknown Speaker 3:52
Absolutely. And yes this absolutely VA buyers coming out with less than 1000 but not only VA buyers coming out with less than 1000 Right so we have we have some really really cool options that that I'm hoping that you guys are gonna like the first one is brand spanking new fresh off the press this week. So it's called three to one home plus and what this program does is allows our buyers to get into homes with as little as 3% downpayment and a conventional loan

Unknown Speaker 4:24
so they have to be a first time homebuyer so sorry to cut you off.

Unknown Speaker 4:27
Yes, this is a first time homebuyer which means you can't have owned a home in the last three years without question.

Unknown Speaker 4:33
That's right. Even if you own previously you guys even if you own previously, maybe you short sold seven years ago, maybe you did whatever you got rid of a property four years ago. If you have been renting and I'm doing quotes I know you can't see it but I'm doing little quotes. For three years you're considered a first time homebuyer which allows you to put as little as 3% down and here's the best part what kind of loan is that convey?

Unknown Speaker 5:00
Additional Wow. The reason that conventional is good guys, just in case you're not don't understand why Monique and I are so excited about this, the mortgage insurance goes away. And FHA loan is another product, the mortgage insurance does not go away without a refinance. But on a conventional loan, it goes away automatically. And it's also credit based. So it's usually significantly less expensive than the FHA mortgage insurance.

Unknown Speaker 5:23
Yes, yes. Like she said, the difference is you have to do a full refi. So you guys have heard me talk about once your property hits 20%. Equity. In other words, if you bought it for 400,000, now it's at 420,000. Instead of you having to do a refi. Because your conventional, you can just simply pay $500 to an appraiser and you're done. You'd get to your your monthly mortgage is going to go down significantly because you don't have the mortgage insurance premium anymore.

Unknown Speaker 5:52
Right? Exactly, exactly right. For some people were we're talking two or $300 a month savings automatically that you aren't going to have to try to figure out how you're not gonna have to go through the loan process again.

Unknown Speaker 6:04
All right, let's jump on into the three to one home plus, go ahead, Jamie. So

Unknown Speaker 6:09
this, this particular program again, comes in with 3% down. We're in Nevada, typically this program, you get a $2,000 Home Depot gift card, but in the state of Nevada, they've changed it a little bit, you get $2,000 towards your cash to close. Plus, we layer it with a second program that will give you anywhere from 1000 to $2,500. Additional what does that mean? Depending on the type of home you're buying, you can get up to $4,500 Total down payment closing cost assistance, there's no riders, there's no repay on it. It is income qualified, this is perfect for our our mid level, our low and mid level. Homeowners. This is perfect, guys. I'm so excited. I haven't seen anything like this in years.

Unknown Speaker 6:59
And if you're just tuning in, this is Monique, you can and I've got Miss Jamie Butler Taylor, my preferred lender on with me, this is the welcome home with Monique show, we are going over some programs that are out there to help you get into home ownership. And if it's not for you is for somebody maybe you know of this will bless them as well. Once again, my number is 702984 3700 70298 or 3700. You can you can also reach me on youtube welcome home with Monique or Hey, Instagram at realtor Monique you can if you need more information or if you want me to get you in contact with Miss Taylor, I can do that as well. So go ahead and jump back into it when you said it's income qualifying what what do you mean? What does that have to look like? Or what does that look like?

Unknown Speaker 7:47
So that looks like right now about $65,000 a year qualifying income. What we take is 80% of the area median income. And that's coming out to be right about $65,000. Right now, the program allows us to only use Qualified Income if there's two incomes in the household, you make 65,000 And so does your spouse we may not have to count their income.

Unknown Speaker 8:11
Perfect. That was my question. I was just about to ask you. Okay, so if they make over together, but he but one of the one of the applicants make 65 right on the nose or less, you can just use there. So what if I made 55? And then my husband made 75,000.

Unknown Speaker 8:29
So we would forget about your husband and and do everything, everything?

Unknown Speaker 8:35
That's the one time I don't think he would mind being forgotten. Okay, go ahead and jump back in and

Unknown Speaker 8:41
just we're going off of that. So even though we forgot about him and his income on the loan, don't worry, you can still go on title. So God forbid something happened to you. He was still be be part of that process. Yes. But again, the only the only thing that you actually have to do is you have a one hour phone call. That's a counseling session with Freddie Mac directly. It's a $99 closing cost that goes into that. But come on $99 and you get 4500 for an hour's worth of your time

Unknown Speaker 9:08
and listen, they can use this same program to purchase brand spanking new homes. New construction, is that right? Yep.

Unknown Speaker 9:15
This call qualifies for new construction, condos, manufactured housing. We have we're covered everywhere. townhomes guys whatever whatever home is going to be your next home, your new home, your forever home. We got you covered.

Unknown Speaker 9:30
I have quite a few of my buyers that are looking out there in Europe and I'll tell you what, every single manufactured home out there, there are a lot of them are flipped. And the majority of them are sitting on about an acre of land. And let me tell you some Jamie, it does not take that long to drive to Pahrump like it used to when I was in high school used to take me about an hour and a half. It seems like it takes 45 minutes. Now you're in Mountain's Edge, because our city has grown so far out. It's really not that bad of a drive and they're getting a lot of bang for their buck. And you know me I'm originally you know, my heart I'm a country girl, you know?

Unknown Speaker 10:03
I'm from a small town also Moni and that's what I love about crumpets. Still small town. Everybody knows each other and you're exactly right. Mountain's Edge extends practically all the way out there now and that's the town is growing up. It's it's there's restaurants, there's, there's places to eat. But you still get that

Unknown Speaker 10:20
winery winery out there.

Unknown Speaker 10:23
There's two. Oh, excuse

Unknown Speaker 10:24
me.

Unknown Speaker 10:26
You got to try both of them. They'll

Unknown Speaker 10:27
put me on. No, I really try both. Now. I'm gonna be honest with my listeners. They know that I'm very transparent. They you know, I'm always myself everywhere I go. I'm stuck with me. Right? But anyways, I went out there for bingo. Night, I grew up playing bingo in Seattle. So yeah, anyways, that's why I originally went out there. And then I fell in love with the the little town. It's really cute. I keep interrupting. Let's jump on in. So there's we got that one. Now you've got another one for me.

Unknown Speaker 10:54
Yep. Now this one is, is super, super similar to the three to one without the two in the middle. So this is one that that again, it's a company exclusive, we partnered with Freddie Mac or Freddie Mac worked with us to develop program because they understood that people needed some additional assistance, right? It's very, very similar to the three to one plus, but without the two in the middle. So we had this one in before we were able to roll out that three to one plus, what is going to do is going to give borrowers up to $2,500 towards their down payment or closing costs. However they want to, to structure that. So products come and go if for some reason. The 321 home plus went away, we still have this one. Again, this is a Freddie Mac program that my company is able to do specifically, nobody else has this out there. It's a really, really easy product to work with.

Unknown Speaker 11:45
So are you saying that they'll like so for the three to one, they were able to get a conventional loan, okay, with only 3% down and they were able to get $1,500 towards their closing cost? So they only had to put 3% down? And then they got a credit of $1,500. Right? Is that right?

Unknown Speaker 12:03
1000 To 2500 depending on on their particular situation.

Unknown Speaker 12:06
Okay, so now this one, how much are they putting down? Three, same 3%. Okay, but now they're able to use this money, see the three to one, they had to use it only towards closing costs the credit. But this one, you're saying mo they can use it towards their closing or their down payment?

Unknown Speaker 12:21
You got it? You've got it. So it's it's, they're similar products, but they're good, they're gonna help slightly different people. And we always have more than one ace in our pocket, or Vegas, right? How many seats can we carry?

Unknown Speaker 12:34
Hopefully for? All right, what else you got for me? Or us? I should say?

Unknown Speaker 12:40
So have you guys know anybody money? Have you run into anybody who doesn't have any credit scores? Yeah, I've

Unknown Speaker 12:46
got quite a few of my, my K, u and v listeners. I love y'all, but a lot of you guys are mattress money, people, which I'm not mad at you, you know, a lot of them don't have. They just did they buy things cash. A lot of people do that nowadays, they do.

Unknown Speaker 13:01
And we have seen a really big change of that, especially, again, we're seeing more of that now than we did pre COVID. So my company came out and they said, Hey, we need to help out these buyers. So just give you a little bit of history. Previously, there was a two point what we call hit so 2% of the loan amount additional cost to do a loan if you didn't have a credit score. And my company was like, Hey, this isn't fair, these people pay their bills on time, right? They just don't use credit. That's not fair. And we came up with a program. So we're always coming up with the right program to fit our buyers needs. And what we're able to do with this program, is we able to get a report out of your your bank account, and we're able to submit that. And as long as we're able to prove that, hey, they do know how people pay their bills on time, you guys, I know you do, you're paying your rent, you're paying your auto insurance, you're paying your cell phone, as long as we know, we can prove that you're paying for something exactly. Now you're going to get the same exact rate as that person down the street that has credit scores. It's a government program. So it's going to be either FHA or VA depending on your particular situation. So it has the mortgage insurance that eventually will refinance you off, but if you pay your mortgage on time, I guarantee your credit scores are gonna go up.

Unknown Speaker 14:20
So how much down do they put?

Unknown Speaker 14:22
So depending if it's a VA or FHA loan VA, we really think are veterans and that is a 0% down loan. FHA, it's a minimum of three and a half percent. So it's just like any anybody else. It's just like every other loan out there, except you're not getting penalized because you pay cash for everyday life.

Unknown Speaker 14:40
Yeah, so just you know, with that being a 2% hit, if you're buying a $400,000 you're looking at an additional $8,000 Just because you don't have a credit score. So you guys are like no, we're not doing that. We're gonna come up with a product and if you're just tuning in once again, this is Monique Buchanan. Welcome home with Monique show. I've got on Miss G Amy Butler Taylor, she is one of my preferred lenders and she's going over with going over with us some of her products and just you know ways to homeownership you know, everybody has different situations. So that's what you're listening to now you can reach me at at realtor Moni Buchanan. That's my IG, youtube welcome home with Monique, where Facebook is just Monique Buchanan, my number is 702-984-3700. If you want to get in touch with Jamie, you can reach me at 702-984-3700. And I will connect you with her. If you have more questions that are just not being quite answered. We only have 30 minutes, but we're going to try to go ahead and and go on Miss Jamie with the next one. One

Unknown Speaker 15:43
of the best ways to get people into homes is you get to figure out what product is going to help them the best one of the most popular programs in town offers up to 4% downpayment assistance offered the loan amount, but it does have income restrictions, so you can't make too much money. So like we were talking about earlier on the conventional programs, we're able to not count one person's income or stuff like that to help make the loan work. But the normal one that everybody kind of knows in town has a restriction has a restriction and it gets tight, especially if you have two people working in the house or or maybe a multi generational home. I have a program that does not have an income restriction on it at all. And it has a lower credit score minimum. So this one here is going to give you 3.5% downpayment assistance.

Unknown Speaker 16:37
I'm sorry, I'm over you're shaking my head like wait, wait, Jamie, why have I I have not heard I'm listening go ahead 3.5% 3.5% downpayment

Unknown Speaker 16:46
assistance of the sales price. This is your entire FHA downpayment yesterday that is coming off of this program. And again, the minimum credit score on it is a 600. And there is no income restriction.

Unknown Speaker 17:01
Oh, now that's huge. You guys, because I get a lot of my people that reach out to me. And you know, they they don't qualify, you know, because of the income. But this one, you know, is not so here's the thing, it's basically zero down, and no income restrictions. So if you make $400,000, and for whatever reason you had a rough year, I don't know. You need you need you know, you need some help with a downpayment.

Unknown Speaker 17:24
Exactly, exactly. It's, it's easy to work with, you guys are gonna hear, you're gonna have to take some homebuyer education to use any of these programs. Same thing that's good

Unknown Speaker 17:32
to know. Anyway, you want to know what's coming up next. That's what I pride. And by the way, Jamie, let me just tell this to my listeners. I am hitting 100 families helped with these programs, you guys 100 families have been blessed, and are sitting in homes today, because of these programs that you guys provide Jamie? So I want to say thank you. And yeah, I'm personally closing on, I think my 100 clients, Wow, congratulations. Thank you. Yeah. And in the majority of my business has been utilizing a lot of these programs and getting my k u and v listeners a lot of them into homes. And prior to that just you know, my everyday folks, so I I'm just so thankful for these programs. So zero down program, no income restriction, only a 600 credit score needed.

Unknown Speaker 18:19
Exactly. On my side of it. We have we have a programs called the desktop underwriter, we gotta get you through the desktop underwriter, we got to get approved eligible, that's it. So that also means that I may be able to go higher than the traditional income or the to meet the additional debt limits, right. So typically, you're at 45 or 50%. On these sometimes we may be able to sneak a little bit higher if the situation is right for you. But this program is phenomenal. It is going to either be repayable over 10 years, or forgivable over 30 So there's two different options. There's two different sets of interest rates that go into there. And we'll look at your particular situation and see what is best for you when we actually work through the application. And so the program,

Unknown Speaker 19:05
right and so when she's saying forgivable over 30 So if for some reason you refinance out or you sell the house, can you explain what happens? They just they just Oh, like, what is it? What do you call it, when you upgrade it, it's prorated for however many years they were in there, and then they'll just have to pay whatever that was back I proration. Right.

Unknown Speaker 19:24
Exactly. And guys, if we're doing the prorated on a refinance, or even if it's not prorated, some of the programs out there aren't prorated right now, we can roll that into your mortgage, so you're not coming out with three or four or $5,000 out of pocket to cover that. It just gets rolled into your next mortgage. So you get the benefit of potentially the lower interest rate on a refinance. Even though you're paying that back, you're going to still save money that that's the goal. We would always tell you how much you'd be saving so that way you know if it was good or not.

Unknown Speaker 19:54
So she's saying if you buy the house with this program, and then you decide to refinance prior To the 30 years, they're just going to roll whatever it is a couple $1,000 or whatever it is into your new loan. Now if you sale, guess what? You're walking away with money anyway, just pay it and be done.

Unknown Speaker 20:10
Exactly. But if you keep the house for only one month, that's still one month of profit that you actually may ask right off of it.

Unknown Speaker 20:16
That's right. Because listen, my attention renters, you, you're not going to make a penny renting. And that's the difference. You know, we're out here paying rent of 25 $2,800. In some cases, for apartments, it does not make sense. A quick five minute conversation with Jamie makes sense. 70298437007029843700. And we can find out today, you know, hey, if you're able to use one of these programs, or if not, Jamie is the roadmap queen? Aren't you the roadmap queen?

Unknown Speaker 20:50
I am the roadmap queen. We all know that I like to travel and I've been all over the place. The Roadmap Queen absolutely fits me. Yeah, you're

Unknown Speaker 20:57
the route 66 of homeownership. Exactly.

Unknown Speaker 21:00
So we've talked a ton about first time homebuyers, but how about people who have already bought houses? And how can we get them to, to reinvest in themselves somehow?

Unknown Speaker 21:09
Or scale up? I've got quite a few of my previous past clients call me Monique, I'm ready to buy something bigger. Can you help them?

Unknown Speaker 21:16
Absolutely. So we have a couple different things setup that are rolling out. First off, I have a home equity line of credit, this is super exciting. Traditionally, the company hasn't been able to offer something, something like this, we just got this program in and you're able to use the equity in your current home without having to refinance that rate. That's my gosh, that's huge. Jamie, now we're able to give you some of that equity out of your home. Without touching the rate on your current house that's

Unknown Speaker 21:47
really big right now, I was actually looking into that myself, because I'm looking at purchasing some more investment property down in Alabama. Once again, you guys you know, I'm nationwide, I've told you guys, if you have family members, or anybody that's looking to move anywhere in our beautiful us have a I can assist and get them in trustworthy hands. So I'm purchasing some property on Alabama, and I was wanting to take a line of credit myself and purchase these properties.

Unknown Speaker 22:12
Well, you and I are gonna have to talk and we're gonna

Unknown Speaker 22:17
go on and jump back into it. So

Unknown Speaker 22:18
this, this is the same same type of thing that we've been talking about. It's all about getting you to invest in your self, you can take the money out high, truly, I don't care what you're using it for, but some really great places you could use it. You know, that pool you wanted to put in? How about remodeling your bathroom? Right? What if your daughter's gone to college and you want to pay for her to go to college? Guys are so many options, or you can take the money out? And potentially that could become the downpayment of your next home.

Unknown Speaker 22:45
Yes. Sounds good. Sounds good. That whatever reason, right? Personal

Unknown Speaker 22:49
lots and lots of reasons. And the interest rate on the program, generally speaking, is better than what you would pay on a credit card. So even if you're looking to pay down credit card debt, say that yeah, so consolidate your credit cards, you have a ton of options with this. So if you've already bought, but one way that I thought that you might want to use that money, or at least think about is exactly what Monique was just saying. Just reinvest. Right, right. And

Unknown Speaker 23:18
sweetspot right now, you guys, you guys have heard me talk about the high rise opportunities over there. It's late, you're legally allowed to Airbnb, these properties. There was only six in the city. But guess what, there those prices have come down again. So it's time to jump on in they're less than three miles away from the Raider stadium.

Unknown Speaker 23:35
Exactly, exactly. And you know, we have a program that is, again, it's it makes it that much easier, we're about making your life easier, that much easier to get an investment property, this program makes it that we aren't qualifying you on your debt to income, were qualifying you on the ability of the property to make income. So the property just has to prove that it's that it solve it. So if your mortgage payment is $2,000, you have to be able to rent it for $2,000. Well, that's

Unknown Speaker 24:07
doable all day long. Right now the rents are high sky high.

Unknown Speaker 24:10
Exactly. And as we know, prices have been coming down a little bit, guys, this DSCR we call it E A sy on our side, because these are logical loans. And we have a product that is able to help people with their logical loan flip. Let's let's get you investing in you. That's good.

Unknown Speaker 24:30
I love that. And you know, you know, there's a lot of people out there that may need some, you know, some some funds right now some money. So this is a great opportunity for them to tap into their equity that they said I looked at a report that said the average American is sitting on $300,000 At least in equity right now the average American so you have all this money that you're sitting on but you don't want to touch it because you don't want your rate to get, you know hyped up. So you're giving them an opportunity to go ahead and tap into that equity reinvest with Monique Buchanan or whatever you need it for. Right? You know, like you said, maybe your baby's going off to college, whatever that is. Jamie is here to assist.

Unknown Speaker 25:08
You want to do like a quick recap of them? Sure, absolutely. So nuggets, the nuggets, we have three to one home plus, that's going to be a 3% down payment, a $2,000 closing cost credit, which is typically a Home Depot, gift card everywhere else in the US. But living in Nevada, were able to make that closing cost credit, and then an additional 1000 to $2,500 downpayment assistance, we have that program without that, that Home Depot $2,000. We have complete rate. Remember, guys, that's our product for our friends who don't have any credit scores. Don't worry, you guys can buy houses again, without getting getting that extra hit that extra charge. We have downpayment assistance that does not have an income limit on it right now. And we have a way to get a home equity line. So use that equity in your current home. And then we also have the investor program the DSCR that allows you to qualify for an investment property using the mortgage payment as our as your only your only qualifier, you got to make sure that the rent covers that mortgage payment. So we have lots of options. Guys, I know this was only 30 minutes show and we have a ton more I'd love to talk to you. Yeah, that's

Unknown Speaker 26:22
great. You know what, I have a client right now he's actually going to rent out his property. So single story about 1300 square feet over North Las Vegas, I looked it up for him, we're going to be able to rent that property out from anywhere from 2200 to $2,400. Okay, and so now we're gonna go buy him another property. All right. And so basically, what's going to happen is he's going to own two properties, and still be coming ahead, four to $500 a month, two for the price of one. And

Unknown Speaker 26:51
I can't lie that that's how we started, we made our first property that we bought into a rental and then we bought, we bought up and so we rent out our first one and then we live in our second one. And it was such a good way to go. Were

Unknown Speaker 27:03
because you made equity on that property as well as residual income. Exactly. Exactly. And this is the time guys, this is a time if you have been thinking about purchasing at all. Don't sit on your hands. Would you agree Jamie?

Unknown Speaker 27:17
Absolutely, guys, I have never seen the market swing this. This dramatically into the buyers favor. Please. If you're thinking about it, stop stop thinking stop just passing go and hoping that somebody else is going to land on bankrupt. Guys. You need to win at your own game of Monopoly.

Unknown Speaker 27:31
Yes, yes, you gotta make that move. 702984 3700 Welcome home with Monique. Now listen, I'm going to start trying to do this every week. Thank you so much, Jamie for coming on. Oh, good to have you on again girl. So listen, I want to give a shout out to my small businesses. I just did a photo shoot with none other than Miss nya. So if you have been thinking about getting your photos done family photos, graduation photos, I know we're past that but whatever kind of photos you can check out her IG at shoot with nine that's at SHOTWITH en is a no eyes an igloo shoot with nine and minus he was reasonably priced. So if you're thinking about getting family photos, I've got to give a small business a shout out at shoot with nine. Okay, Jamie, that was an amazing show. Thank you so much for once again coming on letting my listeners know about all the programs that are out there. I look forward to having you on again.

Unknown Speaker 28:34
I can't wait to come back. Thank you so much for asking me to come down to that.

Unknown Speaker 28:36
Thank you honey. All right. Love you guys. You guys know I love you guys. Be safe out there. Have a wonderful weekend. And once again, if you don't remember anything, remember this. It is time to buy 702984 3700 Monique Buchanan Have a blessed week. Thank you for listening. This is Monique Buchanan. My license number is S 1788 46 and I am part of EXP Realty Tune in next week.

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