Welcome Home with Monique

Wesley Knight 0:00
This is a Kun V studios original program. The content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. I know you see me on the radio, but you still don't pay

Monique Buchanan 0:26
me no attention. Good morning. This is Monique Buchannan, 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, good morning, my kumv listeners, I hope you're off to an amazing Saturday. Listen. I'm not gonna let you guys get away from that goal this year. We're gonna, we're gonna, you know, pound you guys about this 2025, goal of purchasing either a larger home this year or scaling down, or maybe talking to your kids, loved ones, friends, family about their goal of purchasing a home for the first time. So without further ado this, this program today is going to be called, you have zero excuses this year 2025, right? No excuses why you cannot buy a home. I've got none other than my partner, Miss Becky, in the house with us. You know she's one of the team members as well. Say hi Beck, good morning moan. You guys have heard her before. And I've got my lender, another team lender named Frank, Frank. Hi. How are you? Thanks for coming on. Good morning

Unknown Speaker 1:36
moon. You call me. Moan.

Monique Buchanan 1:40
All right, I guess I'll roll with that today. No, but you guys, you guys are gonna hear us have just a frank conversation. We're gonna have a little fun with it, right? We're gonna do our best me and Becky to think of questions that maybe you our listeners are, you know, thinking about as Frank kind of goes over some of these programs he has, right? So we have some new programs that have rolled out. All right, that's why I'm calling the show. You have no excuse. No excuse if you want to scale up your home this year, me and my team are negotiating sellers to pay portions of your cost. All year long, I've been getting anywhere from five to $20,000 on average from the sellers that go towards your costs. So we're going to talk about the first one we want to talk about today, which I'm excited about, right? Becky, yes, ma'am, a down payment assistance program. You guys know, that's like one of my specialties, getting folks into homes with zero down Frank has a down payment assistance program. And the first thing that I want to point out about this program, you guys, 580 credit score. A lot of us, you know, have had some issues over this year. It's been rough for a lot of people. They had to lean on their credit cards, maybe, right? And that drops your score some so obviously that's the lowest it will go, is 580 but I don't know of another down payment assistant program where it will pay your entire down payment and you don't have to have at least a 640 credit score. So I said, Frank, come on, let's talk about this down payment assistance program. So what other things do you want to talk about and kind of just point out about this program, Frank, you're telling me that my listener right now, if they are at a 590 600 credit score or even a 580 you're telling me you can get their down payment paid on their home. That's

Speaker 1 3:18
right, we actually have a program that allows a 580, credit score, and it will help you with the down payment, or the whole down payment. It will help with your closing costs as well. We have programs on under that down payment assistance that will actually give you a grant for the payment.

Monique Buchanan 3:38
Wait a minute. Okay, so what you're saying is because we already have one that we've been using for a long time. But it's not a grant, that's right. I remember when I started in the business about a decade ago, it was a grant. Therefore, we mean, they gave me my clients the money for their down payment, and then Becky, it would go away. Yes, you didn't owe any money after a certain amount of time, after three years, remember, we were talking about this, after three years you didn't owe anything. Now, if you, if you refinance or sold the home, sure it was prorated, you paid it back, but after three years, you didn't pay anything back if you sold or refinanced the home. Now that same program, which is the most popular here in the state, correct has went to no longer a grant at all. You'll you'll always owe it if you sell. This is a grant you guys, where they're gonna pay your entire down payment, and you can go ahead and refinance or sell and you will not owe the money back. Is that right? Frank, that's

Speaker 1 4:27
right. The grant, the grant, actually is forgiven after six months, because

Monique Buchanan 4:31
we're more than likely you guys going to be having these rates drop soon, so now they don't have to worry about, you know, having to pay back any of the down payment assistance money they can get

Speaker 2 4:41
in now and then refinance, correct? With the other Yeah, you're not stuck sticking to that for for too long, right? Not even a year, yeah?

Speaker 1 4:49
Because with the other program, if you refinance the one that you were talking about with that program, you if you refinance, you have to pay back the gift, right? But with my program we're talking about, you don't. You don't pay it

Monique Buchanan 5:00
back. So guys, just so you understand, you can have as low as a 580 credit score. There are no income limits. I mean no income limits, because I know that the other program as well, you had income limits. You could only make as a household, in many cases, maybe, like 120,000 whereas this one, I hope you guys are getting this no income limit. You know what

Speaker 1 5:19
I mean. And the thing about this is if you own another home, and let's say you want to move up, so you want to rent that home out. Yeah, I'll give you an example. I had a couple that was in another state. They had a home. They moved here to work, her job, transferred her, and that home is a rental back east, and they wanted to buy a new home using this program. They were able to because they had that other home, and this program is is good with that. So

Monique Buchanan 5:42
basically, they rented out there, so you have to rent out the property that you're living in. Now, right? Sometimes,

Speaker 1 5:47
if, if you qualify with both house payments, you don't have to rent it out, but if, if you don't, then you have to show the rental income, you know, the the lease agreement on the other

Monique Buchanan 5:57
home, right? Because I have a lot of my past clients that want to scale up. They want to get a bigger home. And they were under the impression, as I think a lot of people out there are, they thought they had to put 20% down for the next house because they already own. That's not true. And on this show, we are all about breaking up those myths and giving people opportunities, or, I'm sorry, you know, ways to get things done, so you do not have to do that. So they just have to rent out. If they can't afford both payments, they just simply provide a lease, and then that frees them up for that first house. They can still continue to make equity on it. They can have the renters pay it off. So it's not

Unknown Speaker 6:30
strictly for first time home buyers,

Speaker 1 6:31
correct, correct. But you do have to live in the home, the new home, the new

Monique Buchanan 6:35
home that you're purchasing. You must live in that one for at least a year, right? And then we can do this all over again,

Unknown Speaker 6:43
building the portfolio, right? I love how Monique,

Monique Buchanan 6:47
none of us are getting any younger. I don't know about you guys, plan for the future, right? So we want to get it here. And I tell people that people are like, Monique, why do you tell your clients not to sell their properties? Instead, I always advise them to rent it out. They say, you, you're a realtor. You make money on selling. I'm like, listen, at the end of the day, I want to do what I think is best for them, and if I wouldn't, wouldn't sell. I don't know. I don't want to tell my clients to sell, because, to me, I'm not getting any younger. I want to be able to be in a position where, as a grandparent, I can spoil my grandkids, right, leave them each a property, right, right, and travel the world with my family, because I've got this extra income coming in from each property that I did not sell. That's the dream. My regular 702984, 3700, no. But seriously, this is Monique Bucha, and I've got none other than Miss Becky and Mr. Frank on with me. Becky is one of my team members. She is with the Welcome Home Group, and Frank is one of my lenders, and he's going over with with he's going over these new programs that have rolled out for 2025 our goal, would you guys agree? Our goal is to get as many people into homes as we can this year. That's absolutely right. And I tell people all the time, do not sit on your hands and wait for the rates to drop, because you will be in a fight like 2021 and 2019 you will be in a fight, and you'll get left you'll have to choose whatever's left over instead of having your own choice of homes. It's gonna get harder and harder, and they're so sad that so many people are just sitting here waiting, and they think they're doing the right thing, but they don't realize they're shooting their self in the foot. And

Speaker 2 8:16
some of them just don't realize that they can. That's true too. That's true too. Some people don't realize they think that they they think their situation is worse than it really

Monique Buchanan 8:23
is. And since you brought that up, let's talk about bank statements. Because me and you used to be in the casino business, in the casino, making tips, you know, and now we're 1099 so there's, like, you know, Uber drivers that are 1090 nines. Not to be funny, it's dog dancers are 1099 so I'm talking to you too, honey. Listen, you can buy a home. There are programs, bank statement. I told my best friend she made almost $2,500 a week in tips, and she said, Monica can't buy a house, you know, because, on paper, I don't make that much. We're having a frank conversation here. Frank. I love

Unknown Speaker 8:53
it. Well, there's another, frankly, but other, right? But other lenders have told

Monique Buchanan 8:59
them no. And other lenders, you know what? That's that's a great thing. You have to have the lenders that have the knowledge, yes, and that's what. And once again, if you have been told, No, do not give up. Okay, it's almost like when you have a job that's really strict with you, and then you get a job that's really kind of lacks a daisy, they don't same thing. You have some lenders that have, especially banks, extremely strict guidelines, am I right? Frank, correct? And then you have brokers, right, right? That have multiple avenues that they can take, not just one. So don't give up, like Becky said, if you have been told no. But anyways, back to the bank statement. Yes, I told my best friend. I said, Listen, I want you to do six months of just taking your tips and putting them into the bank. I don't care if you pull it right back out. It needs to hit the bank so that my clockwork. You know, every day when you get off, put your tips in. She did that. She was approved by herself for $500,000

Speaker 1 9:48
Yep, it works. They just look at the last six statements, 12 statements or 24 statements. There's three options, and add up the deposits and use that for your income. There you

Monique Buchanan 9:58
go, guys. So you heard that if you are. Someone out there that doesn't have a w2 right? Then there is a way for you to purchase a home, okay? And we are here to share that with you, and we want to see you get that goal taken care of this year of purchasing a home in 2025 so this show is called the no excuses show. I always say, listen when I was renting and when all of us were renting, right? You had to beg for your $2,500 deposit back. You told the kids, get the camera, walk through the house, take pictures of everything, put the video on and make sure you get you know as much, because they'll fight you tooth and nail to give you back that $2,500 deposit.

Speaker 2 10:33
That's right. Nowadays, ain't $2,500 well, no, it's your ank, you're right. So

Monique Buchanan 10:37
here's the thing, when you purchase and you're ready to move on. You're walking away. In many cases, especially if you purchased a couple years ago, you're walking away with 200,000 it's gonna hit, it's gonna the wire is gonna hit your account. You're not taking videos. You're not doing any that you've made money on your purchase. Is that right? Frank,

Speaker 1 10:53
that's right. And plus, if you have a family of kids, you have security form, so you have place for them to play, come home, know they're gonna be there. Yeah.

Monique Buchanan 11:00
In fact, the best friend that I'm talking about, and Becky, knows, you know, she was on vacation for her birthday in Costa Rica. She had been a renter, a great renter paid early on time. Because I get people to say that on to Oh, my landlord loves me. Well, that's great. He loves you, but I'm pretty sure he loves his money more. So if he's gonna make enough on that property, you better get ready to get that 30 day plan. Maybe you got 30 days to move on. And that's exactly what happened. She had just told me, Oh no, I don't think I'm ready to buy just yet. Monique, you know, I've been here for five years, and I'm gonna go for my birthday. She goes on her birthday. She calls me in tears. I just got an email from my landlord. I've got 30 days to move what am I gonna do? I said you're gonna buy that. Dave on house, that's what we're gonna do. You're gonna tell them. You're gonna take, you're gonna give. Gonna give the first offer, right? And that was with something that we offer here with Frank, the bank statement program. So now let's think of something else. Here we go. I got another one. What you got there? Mom? What you got? Let's see now, Becky, we're not there yet, but we're getting close to the retirees, right? Yes, yes, it's coming around the corner. But are we going to want to stop investing since now we're absolutely not. Right, absolutely not. Well, then what do you have for me? Becky, if I here's here's a scenario, I'm retired, I make a good little chunk of change, right? But I'm not like when I was working, but I've got some money coming in, but I don't think that I can afford the house that I already own. Plus, you know, turn around and invest in more properties, which I'd like to do, because I want to be like what Monique said, travel the world, get some, you know, 10, $20,000 extra coming in per month from all the investment properties. How can I invest if I'm already, you know, stretched thin with the property that I own now and I'm on a fixed income, what could I do? What loan do you have for me? This

Speaker 2 12:35
DSCR loan? Yes, yeah. Now, how does that, Frank, how does that? Yeah, Frank, you tell us explain it.

Speaker 1 12:40
So basically, to make it simple, the DSCR loan looks at what the rental income will be on the property versus your house payment. So if your house payment, your mortgage, plus your taxes, insurance and homeowners association, total payment is 2100 but the home will rent for 2200 or even 2100 it'll work. So you're qualified. You there is no income of your own, so you don't have to take whip out tax returns, bank statements, bank statements, none of that. Well, you know, for

Monique Buchanan 13:09
the down payment you so you don't even have to whip out the tax returns,

Speaker 1 13:13
no tax returns, no W twos, no pay stubs. So let me just

Monique Buchanan 13:17
say that again. So basically, the property that you're wanting to buy as an investment property. That property, you buy it, your mortgage payment is $2,100 right? But you can turn around and rent it out for even $2,100 it's a wash, right? You're able to So, in other words, as long as a mortgage is covered by the rent, correct, you're able to purchase that and build a an investment portfolio without having to provide any bank statements, without having to provide any tax returns as a retiree, which you know, that's whom I love, because most of my listeners, if you're not there, you're almost there like me. So we got to think about how we can bring more funds into our home

Speaker 2 13:56
while we sleep now on a program like that. Frank, how much do you have to have down for a program like that, that's great question. So

Unknown Speaker 14:01
you would need 20, 20% down, okay,

Monique Buchanan 14:04
okay, and they can pull that from Ira, correct, 401, K,

Speaker 1 14:07
correct. As long as your four, 1k allows you to pull from it, then yes, you can pull so as long

Speaker 2 14:12
as you have your 20% down, then you don't have to worry about it, worry about producing those tax returns. You don't have to produce what kind

Monique Buchanan 14:17
of, what kind of credit score do

Unknown Speaker 14:19
you have to have? The minimum

Monique Buchanan 14:19
credit score in that program is a 680 okay. You know, most of us, when we're retired, we're just spoiling the grand babies. Yeah,

Unknown Speaker 14:25
I know I already am.

Monique Buchanan 14:29
So, you know, we can, we can kind of focus on our credit when we're just spoiling the gram baby, right? So let's recap you guys, and if you're just joining, this is Monique Buchanan on with my team member Miss Becky and my lending team member, Frank, we're going over some great programs that have rolled out for 2025 you guys, we talked about a down payment Assistant Program. You out there listening, if you want to continue living in Las Vegas and you don't want to get priced out, because remember, Las Vegas has zero rent cap. We're. Not like California. We're not like Seattle or Washington state. There is zero rent cap. Your landlord can go up as much as they please when your lease is up. Just keep that in mind. So if you want to remain here and lock your mortgage or your rent, but it's really mortgage for 30 years, these down payment assistance programs before these prices shoot up as soon as these rates go down. Okay? So another thing, you can always buy down your rate. Better yet, our team can negotiate funds from the seller in all the cases this last year, I was gonna say many cases, but every single case this year, so I'm not just talking right. We can take that money that we get from a seller, right? Becky and Frank will buy down your rate, correct? So don't be scared of the rate. It's a five minute conversation. 580 credit score. You need to be on any job for at least two years, right? Two years work history. There's no income limit, you guys. So if you're out there, you're making 100,000 plus you're listening to this, and you have not bought a home. Come on, guys, we're giving you everything you need. Is happening every single day, you know what? And if you're thinking about looking for a rental, you might as well have a conversation, because you're going to jump through the exact same hoops you have to provide your income for a rental. And today, because of COVID, most of them want a 640 credit score or higher, that's right, or they're going to hit you with an extra deposit. So now you're looking at putting down or losing about, what five, $6,000 on an average house to rent. Easy and where we're selling homes and our clients are walking away with $1,000 out of their pocket to buy. Make it make sense, correct? And, um, you know, make it make sense. So once again, guys, Monique Bucha in here, 7029, 84, 3700, 700 is my phone number. You can text me if you don't feel like talking to your I'll shoot you over Frank's information, and you can give him a call, or he'll call you. Or, you know, you can always go on my website. Welcome home with monique.com on YouTube as well. Welcome home with Monique show. And also, you guys listen. We're in this to help people. You know, of course, I feed my family this way, but honestly, we I think that's why we work so well together. Yes, our heart is in it. We really I love Do you love I love it, giving people keys that thought they couldn't buy a

Speaker 2 17:12
home. Baby on it. And Joe, I was gonna say, you already know. You already know. We've

Monique Buchanan 17:16
had so many clients over this year that we're told absolutely not today and never will you own a home by lenders and banks, correct? They didn't give up. They heard the show. They said, Monique, you know what? We heard your show. You sound like you know, you're really passionate about it. We're gonna give you one more try. Is that too much to ask? I don't think so. Don't give up on yourself, right? Frank, right? And especially my veterans. Oh, yeah, what do you have for my veterans? It just hurts my heart when I hear that saying what they deserve and they worked for they don't take a lot of them, don't even bother using it. I just can't believe it. What do you have for them? No.

Speaker 1 17:49
First of all, I want to say thank you to our veterans, absolutely. You know, thanks for your service. Absolutely. That's probably the most rewarding part of my job is getting a veteran in the home for the first time. Even, yeah, we have a program that doesn't, doesn't matter what your credit score is, we actually just look at your credit. So I'm so

Monique Buchanan 18:05
sorry. Can you just say that one more time? Let them hear that. Sorry about that, because I get a lot of veterans that think that they need this, this, you know, 700 credit score. They think that, they call me and I have to tell them no, and then we're giving them keys, because the whole time they thought they needed stellar credit. Yeah.

Speaker 1 18:19
Well, said, Actually, I have veterans that don't even realize they have the VA benefit benefit. So

Monique Buchanan 18:26
now, now, if my listeners want to find out if they have the benefit, would you help them? Absolutely, they could call you and you would help them.

Speaker 1 18:33
Yes, the veterans I work with, I help them all the way through the process, and I even help them if they're a disabled veteran, I help them at the end to get their tax form filled out and get their property taxes reduced because they're a disabled veteran.

Monique Buchanan 18:45
And let me just break that down, you guys. So when you're paying a mortgage, it's your principal and interest, right? It consists of four different things, basically, what you owe, the principal and interest, right? Then you have insurance, you know, hazardous insurance, basically, yeah, homeowners insurance. Then you have taxes. Thank you. I'm just going blank here so you don't have to go running down at the end of the year and paying your taxes. Now the fourth thing, it's basically making you insure your own loan. Think of it like GAP insurance on a car. They're making you pay for your own GAP insurance on your house because you didn't put 20% down, right? So here's the beautiful part, because taxes is part of your mortgage payment, right? So let's say that your mortgage payment is $2,000 right, taxes, and maybe that's, you know, $200 of that, $2,000 a month, right? So now, as a veteran, a disabled veteran, you are able to have a much less payment, right? When you go through this form, through the assessor's office and fill out the paperwork, right? What would that $2,000 payment go down to? What would you say? It

Speaker 1 19:43
depends on their disability, how much they're collecting. If they're 90% I know they get the most right, correct, yeah, so maybe like $150 less. Yeah, it's like your car registration. With your car registration, you, if you're a disabled veteran, you get a discount. Yeah, same thing with this you, but you have to. It's not. Automatic. You have to fill out the form, and I help you do that. So you

Monique Buchanan 20:02
walk them through that correct, and then their mortgage goes from $2,000 maybe it'll go down to like 1850 correct, and every bit counts, yeah, so, you know. And then another thing I want to talk to my, to my, my people out there that have, and I get stuttered when I start saying this, because it's sad, fallen soldiers, spouses, a lot of them don't realize that they can still use the benefits that their loved one has left behind, right, right? So we've helped quite a few wives that did not know that they could still use their husband or wife's benefits to purchase their family's homes or their themselves. So that's something that you'll also help them with as well. Absolutely. So zero down, obviously, right? Yes. Okay, perfect. So

Speaker 1 20:43
zero down, just so you know, zero down means they'll cover 100% of your loan and the down the closing costs. There are closing costs involved.

Monique Buchanan 20:53
The last six months, at least every one of my veterans have come out of their pocket less than $1,000 or they got money back. Because not it's almost like zero down and zero closing costs, pretty much because of the because of the market we're in right now. Correct, it will change at the drop of a dime. I

Speaker 1 21:08
have a client right now that the builder is giving them the closing costs. That's right, a certain number, and that's more than the closing costs they need. So they're getting not only their earnest money back, and earnest money, just so you know, is what you put down to secure the home while you're going through this,

Monique Buchanan 21:25
like a deposit, just like a deposit on a rental. Yeah, exactly.

Speaker 1 21:29
It's, it's just what it is earnest money showing your earnest but anyway, so they're getting their earnest money back and some, but they're not allowed to get that cash. So what we did is we took that and some and made it a Lowe's gift card so they can get appliances for their home that's only allowed on VA, so Do

Monique Buchanan 21:44
you guys hear that? So not only will you, in many cases, especially with the builders, as long as you let us walk you in and register you, and we get, we fight for you to get these benefits. You know, a lot of builders are, they are offering, you know, a lot of incentives. Make sure, but they'll tell you they're themselves. Make sure you bring your Realtor with you. So hey, we're never too busy to meet you on down there, walk you and register you. Then you can come on back as many times as you want, but yes, you can walk away as a veteran with a brand spanking new home, okay, furniture, money and nothing out of your pocket. Is that gonna be forever? No, could that change next week? Yes, it could, and that is why we are making it a point to get in your ear right now. And if this is not for you, it's for somebody, you know, they can go on YouTube, welcome home with Monique show, and it will be uploaded there. I mean, they can go on any podcast platform as well, and there you go. Welcome home with Monique show. Or they can call 7029, 84, 3700, and we will get them with prank. It's a five minute conversation, find out if they have their benefits. If they don't, great. He'll, you know, let them know. Guess what? Even though you don't have your benefits, we have a zero down program for you. All right, so even if you're not a veteran or you don't have the benefits, don't worry about it. We still will get your down payment paid for you. This is

Speaker 2 23:01
why it's always important of who it is that you work with, who you work with, is always important and

Monique Buchanan 23:05
the resources that they have. So my, even my people that are not vets, you're gonna have veteran treatment right now. You only need a 580, credit score. We have 100% financing through a down payment assistance. And if you didn't know, the movie theaters will be breaking ground here in Vegas. So for all the people out there thinking that there's some mysterious crash coming, I have no idea why they think this, because it's completely different than when the crash and Frank, you went through the crash, I've been through the crash. Well, let me ask you something. When you went through the crash was people sitting on $200,000 worth of equity or more, because they bought their homes at 3% and 4% right, right? Why would you ever lose a home if you have that much money in your home? That's why we have such little info. Yeah, right. We have hardly any houses for sale out there, because everybody's sitting on a gold mine. They got low mortgage payments, right? Great interest rates, right? That's why we have the shortage. Where is this crash coming from when they're sitting on gold mines, right? It doesn't make sense. And that's

Speaker 1 24:04
the difference now than back then, is people didn't have any skin in the game, nine in their home, and so

Speaker 2 24:10
much and, yeah, you know, you're not walking away when you have that right skin in the game. You're not walking away from your

Monique Buchanan 24:16
house. Why would I walk away from my house and I'm sitting on 250,000 in equity, right? I would just sell

Speaker 1 24:20
it. Plus, if you held your own back, then it would be worth more than it was in oh, five. And it's sad what

Monique Buchanan 24:25
happened to those people? My dad was one of them, you know, predatory lending back then, but that's why they're so strict now, right? Frank, correct, yeah, that's all changed, right? So now, if you are approved today, oh, you're approved for real, okay, right? Am I right? Yeah. So listen, we are doing this over and over again. I'm really going to focus on this this year, especially again, because, like, I tell my family and friends, I love you guys. I don't want to see you get priced out the market. I've already watched a couple friends unfortunately, that didn't listen four years ago. They are now priced out the market. They can't afford to buy because they just, you know, the. They just can't afford it. They're working where they only make 20,000 $30,000 a year. And now, you know, unless they have their spouse work, they're not gonna be able to afford the mortgage. So they wish they would have bought back then, and their mortgages would have been $1,200 well, that's not the case. Now, you know, homes are average price is about what, 490 right? Now, you know what I mean, so, but that payments looking at about, well, then we have programs. We have the three to two, one buy down, where I like to explain it like this, when we get those costs, those funds, from the seller, let's pretend that he gives you $10,000 your normal mortgage payment would be two, let's say $3,000 but as you live in that house, we're gonna pull from that 10,000 towards your mortgage for the first three years. First year we're gonna pull $500 so now your mortgage is only 1919, I'm sorry, $1,500 now we're waiting for the refinance because we know that the rates are going to drop as soon as they drop. You go ahead and refinance your house. Let's say that you make it all the way to year three and nothing happens. Well, guess what? Your payments just going to be what it was from day one, right? For 30 years, fixed, no up and down and all around so and you're prepared for it, and you prepare you know what's coming. Worst case scenario is you pay $3,000 right? But let's say that, because obviously I don't think it's going to take three years for them to drop the rates, but let's say that that year two, they dropped the rates, right? Okay, great. You just had a cheaper mortgage payment for two years, and then you look up in the cloud, you still got $7,000 left up there that you didn't use, that's gonna go towards your principal. You don't lose the money. So it's a win, win, guys. I'm on that program. I am using that program, and pretty much 90% of the people I sold homes to this year took advantage of that program. We have the answer for you, if you'll spend five minutes with us in a conversation, there's no obligation. I'm not into high sales, pressuring people. That's why we got into real estate. I figured by the time you call me, heck, you want a house. You know, I'm not one of those people that's gonna blow you up knock on your door, and I'm not knocking my colleagues, I love their hustle. They they have a passion, right? But that's not how we do business over here. We're here to educate you, give you all your options, and then let you make your decision.

Speaker 2 27:01
Pathways. We have multiple pathways. Everybody's path is different. Correct? If you want more information,

Monique Buchanan 27:05
or you want to talk to Frank, or you want one of us to meet you over at those brand new homes, so we can make sure you get those incentives and get you going and make sure you're taken care of, you'd get no extra discount for walking in without a realtor. They will tell you that themselves, but you will lose representation new homes. I know it's fun. I always tell my clients, go in there and say your name is Tina Turner, and then if you want to call me 7029 84, 3700, listen, I love you guys. Thank you so much, Frank, for coming on. Well, thanks for having me. I appreciate it absolutely. I appreciate your passion, brother. Thank you. And then Becky, like always, honey. Thank you for supporting us as a team. Let's get out there, and I love you too. And let's get these folks into some homes. Let's do it. And all my past clients, I appreciate your support. We appreciate all your referrals, and all my kumv listeners the same. Right at you. I hope your years off to a good start, and let's not forget to keep those folks over there in California in our prayers. And by the way, since I said that, my team, we are opening up to help people for rentals only. Because of that, I know there's a lot of people coming in that are looking for rental properties because they can't buy anything in California. 7029 84 3700 we will help you. 7029 84 3700 love you guys. And until we hear from you, this is Monique Buchannan, 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.