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Suit Up With Baez
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Suit Up With Baez
Episode 16: Rainy Revelations & Homeownership Insights: Embracing Cozy Seasons and Navigating Property Challenges in NYC
A long-awaited rain graces New York City, bringing relief after two months of dry weather, and we couldn’t be happier to embrace the cozy, sweater weather it brings. Join us, Angel and Alex Bias, as we reminisce about the beauty of the changing seasons and the festive magic our home transforms into thanks to my wife, Heidi. We also share personal insights on the importance of valuing relationships over endless busyness, inspired by a poignant piece of advice from my cousin. Amidst unusual weather patterns, we reflect on the significance of this rain and our mixed emotions about the upcoming snowy season.
Shifting gears, we dive into the nitty-gritty of homeownership, unraveling common dilemmas faced by new homeowners. From understanding easements linked to shared driveways to the crucial role of property surveys in avoiding boundary disputes, we break down the essentials you need to know. We shed light on the importance of the Certificate of Occupancy (CO) in ensuring your property’s legality and safety, especially for older homes. This is essential knowledge for anyone considering buying a home, ensuring you have the tools to navigate these complex matters with confidence.
Finally, we explore the world of property renovations and legalities, emphasizing the importance of permits and professional help to prevent costly errors. Our stories include real-life tales of overcoming challenges due to unauthorized work and how New York's housing reforms can creatively enhance income through additional dwelling units. We pay special tribute to Heidi, our dedicated mortgage broker, whose passion for finding innovative financing solutions empowers first-time buyers. Her commitment to understanding each client’s financial landscape highlights the importance of tailored, empathetic guidance. Engage with us as we unpack these stories and more, and don't forget to connect with us on social media for your questions and comments.
Welcome to Suda with Bias Podcast, and I'm here with my co-host. Angel Bias and I'm Alex Bias. I'm excited it's finally raining in New York City.
Speaker 2:Right, it is. I mean, it's been two months, I think, since we last had rain like this.
Speaker 1:I know you were seeing these highways looking like California ia man yeah, it was really really dry out of here it was really dry man it's.
Speaker 1:It was two months without rain. I mean, I've never seen it. It's been. It's gonna rain literally all week next week. Today is raining all day. It's cold. It's really cold like. I love this weather, though, I'll be honest with you, I love this weather. I was born in the summer. But I love the sweater, though, I'll be honest with you, I love the sweater. I was born in the summer, but I love the winter, the fall winter.
Speaker 2:Me too. I like having my big coat on. You know, it feels all nice and fluffy.
Speaker 1:The best thing is the holidays, though. Yeah, I'm ready for those holidays. Yeah, the holiday spirit, you already got all the things for the holidays. You said Nah, another to my wife Heidi. Oh yeah, nah, another to my wife Heidi. Oh yeah, that's right, heidi's a beast at those holiday decorations gifts. Heidi's the one that holds it down, but I enjoy seeing her doing all that.
Speaker 2:She goes all out for the holidays Too much.
Speaker 1:Too much, but it's fun. It's actually exciting seeing, heidi, the decoration. You go to my house, oh my God, it looks like there's so much lights everywhere, wow it. God, it looks like. Oh, it's so much lights everywhere, wow, it looks nice.
Speaker 2:Though you know it's good, you know beautiful memories there with the kids and the wife and the family and the holidays, the holiday spirit, man, I love it it's nice because your family gets to visit, you get to catch up with all these people and stuff that you haven't talked to in a little bit, you know yeah, you catch up, you know, because you have your family and you got your other family too.
Speaker 1:Those are the times to catch up.
Speaker 2:Yeah, absolutely Especially like even like we're really busy most of the time so we don't get enough time with family and stuff, and I know people listening to this podcast probably are in the same boat where you know you're busy as heck and you really don't have the time just yet. So it's like a good part to like a good way to catch up with people.
Speaker 1:I don't like saying so. I had one of my cousins told me one time he was like I always had this thing, like I'm real busy I'm. Wrote to him he's a listen, alex, I like you, but I want you to stop saying you're busy. And I was like, why? And he the reality is that you're busy for what you want to be busy. Right, you choose and pick your schedule right. Reality when you tell people you're busy, it's basically telling them they're not so important as that right. One thing I do I don't tell anyone I'm busy anymore. Because it really got to me. I'm like, if you're important in my life, I can't tell you I'm busy, because that means you're not important. You know, and that's the way I it's good to not say I personally don't say I'm busy.
Speaker 2:How do you say you're busy without saying you're busy I?
Speaker 1:was just telling her it's called life.
Speaker 2:Oh man, and how we were saying about the rain not coming. You know, I've been seeing a lot of fires in New York In the highways right. Yeah, I even put it on my Instagram that I was driving by.
Speaker 1:It was fake, to be honest, because I mean, since I was born I'm from the 90s I've never seen that in New York City. You see, in California, in the news you see all types of places right where it's really a lot of heat, right, but I've never seen the heat in New York City. So it's kind of like weird seeing that coming out in the news. You see, Jersey, like the other day I was driving, I'm like I came out of my car. I'm like yo, my car smelled like fire, but it was the air Right, Because I live right in, basically right on the line of Jersey. So I'm like whoa, do you see all the smoke? You see all the smell of the fire? And it was literally like a few hours just smelling fire. So I thought it was my car. The whole time Went under the car.
Speaker 1:Look it wasn't. I'm like, wow. So now seeing that in the news, it's good that it's raining. You see how important rain is. Yeah, it needed to be raining more often. It's been two months, according to the news. Right?
Speaker 2:I think another reason why there was a lot of fires is because the plants and everything was very dry or something because of the wind and all that. So the rain kind of counteracts.
Speaker 1:Two months without rain, that's a lot.
Speaker 2:Yeah, I think it's been like two months. Yeah, because it's been a while. It's been a while since we had rain.
Speaker 1:I don't. I personally don't like the rain, but nature needs rain.
Speaker 2:Yeah, what about the snow? We haven't had snow just yet.
Speaker 1:I like the snow just when it happens at the moment, but then afterwards it's disgusting.
Speaker 2:Like the black ice and all that.
Speaker 1:I cannot stand how disgusting it is after the first day.
Speaker 2:Oh yeah, it gets so bad, yeah, disgusting, yeah, especially, I don't mind like the ice right, like the solid ice, like, even though it's probably more dangerous, but I don't like the black snow itself, you know.
Speaker 1:Yeah, I'm with you. It gets so nasty, man. You know, as a homeowner you got to send someone to go clean all the snows because you don't want to get sued if someone falls and trips in your snow in front of your house, Right? So, oh, got to be ready for the snow guys.
Speaker 2:Mm-hmm. No, absolutely Talking about that. Like someone slipping and falling in front of your house. What about, like if there's a tree in front of the house and it has roots coming out in the sidewalk?
Speaker 1:It's good you said that. So basically, the trees that are inside your lot. You're responsible for the trees. Basically, if you want to take it down, you can the trees that are on the sidewalk. I mean, that's the public, that's the city. You cannot touch the street. You will get fined.
Speaker 2:You will get fined, yeah, big bucks for it.
Speaker 1:What if someone comes in and trips over a sidewalk that's going up, that's in front of your house and it's the tree causing that. So basically that becomes like the homeowner responsible. He has to fix a sidewalk. Right before they were giving um sidewalk liens on the properties, um. But then the city realized most of the sidewalk liens were because of the trees, and the trees that are on the sidewalk belongs to the city and you can't know. They said I'm doing that right, but the city now is doing like it goes 50 50-50.
Speaker 1:The homeowner might be responsible or the city might come and fix it because due to the tree, but especially in the Bronx and city, there's a lot of sidewalk violations. Because basically that's the thing about these trees they lift up the sidewalk. That's why it's not so good to have trees close to your house, because those roots go inside your house, right. It can do damage to the foundation, to your house, piping, anything you got going on, right. So you don't know what's going on, because these roots they destroy. I don't like trees. So when I bought my house I actually had a really big tree. Those trees even damaged the roof of your house. The trees, yeah, the nature is beautiful and all the trees. Yeah, the nature is beautiful and all, but actually if it's on your property, it does more damages than anything.
Speaker 2:Also, when the leaves fall, they clog your gutters, the roof also.
Speaker 1:they start seeing basically leaves growing on the roof too.
Speaker 2:All the vines and all of that.
Speaker 1:Yeah, all of that, and then also the roots of those trees are huge. You know you don't see them because it's on the ground, but you start seeing when they're heading in the direction to your house.
Speaker 2:And they're very strong when they grow Very strong so they'll penetrate almost anything sometimes.
Speaker 1:It's expensive. By the way, guys, it's very expensive to take down trees Like, I took down a tree and it was pretty big. It cost me about Except for one tree. One tree, one tree. Yeah that's how a lot of people let the trees grow in, because they're so expensive.
Speaker 2:But it might cost more.
Speaker 1:Yeah. So what you do to these trees, right, don't let it be on top of your property and if it is, at least cut down the branches. Hire a professional to cut down the branches no-transcript.
Speaker 2:You're going to get sued. What are the cities going to go to?
Speaker 1:It all depends where it happens. Right. If it happened on the sidewalk, we're responsible as homeowners for the sidewalk. Right. If it's a tree and it falls on the car or any of that, the city property. Right, it will be the city responsible for it.
Speaker 2:Got you. I'm just saying, like, if the roots right bring up the sidewalk and it's causing a hazard and the owner is wondering like can I fix that? Can I touch the roots of the tree or can I not?
Speaker 1:What I do is that in that situation, you call the city and do a report. I've done it. So one of the branches fell from the tree. I called the city. They came and fixed it and they actually cut down the branch down too of the tree that was. It was basically rotting the branch. So they called the city. So just call the city to verify before you do any action. Okay, because you don't want no fines or you know any problems with the city.
Speaker 2:Yeah, because I've seen some really bad ones where, like, the sidewalk is all the way over the, the actual block itself of cement, yeah, and I'm like, okay, I guess you got to call the city then. Yeah.
Speaker 1:Before you do anything, call the city, Cause also the city is the one that gives violations and all this Right and they go after your property and it goes to the title of your property and then you got to clear before you sell. Yeah, Definitely call the city Before you do anything. Guys get informed by the professional and definitely do the right thing.
Speaker 2:Right and keep calling them. So you, you know, like God forbid, someone trips and falls, Like you've taken action trying to call the city over and over and over. So you know like, hey, this was a problem, I was calling you and you never picked up. That's on you, Like that's A hundred percent. How can I be liable? I don't want to touch it and then get a fine from you guys.
Speaker 1:So on my property where I live at, there's a tree in front of my house right Of the city. I've been calling the city like honestly, like two, three times a year because I'm worried they want them to take that tree down, because that tree is actually lifting up the sidewalk. Yeah, I told the city and the city. All they did was just come and cut the branches that were drying up and that's it. They didn't want to take the tree down. But then the neighbor in front of me, they took his tree down and only because one branch fell. It fell down to the street. It was a pretty big branch. They took the whole tree down. Yeah, so the city, so yeah.
Speaker 2:No, I get it. I mean, there's always all these questions that we have from homeowners, like new homeowners, like about those types of things and whatnot.
Speaker 1:Reach out to us guys. You guys have questions, right? You know everyone have different opinions, right? Reach out to us. Well, it's all free. Yeah, exactly, reach out to us Any questions, opinions, right, reach out to us. Well, it's all free. Yeah, exactly, don't charge anything.
Speaker 2:Reach out to us any questions you might have Exactly. And then there's questions about like shared driveways and stuff Like can someone park in a shared driveway?
Speaker 1:Like, if I mean, you can if you get permission from the neighbors. So the shared drive right. When you're purchasing these properties, right. If you see that there's a shared driveway, most likely there's an easement. Right you got to. Every easement is different. You got to read the easement and the agreement that's in there. Right, and usually the easement that's shared driveway. Both homeowners have access to that driveway but no one could block the driveway. Right, you have to make sure it's always accessible for both homeowners to pass. Right. And when you're buying a property with an easement, make sure you have a good relationship with your neighbor. Right, because you guys are going to come across all the time because you're sharing the easement and you will need to know your rights with the easement, what you can do and what you can't do. Right. So it's important that when you're purchasing a property, if there's an easement, get the full details of the easement, because every easement is different.
Speaker 2:Get the survey as well, to know what part of like, where it ends and where it starts. What belongs to you Survey is so important.
Speaker 1:Always when you purchase a property right, it's your option as a homeowner right to get a survey. I highly recommend to always get a survey. You know it's your option. Right, it is costly but it's worth it because you would know your lines. You would see in your lines you are seeing your lines of your property right. If anyone is the other property, someone is on your line or you're on their line. It's like, most of the time, is the fence right? So most of these homeowners place a fence where they think the line is at and when you come and sell the property, you see that they're on top of your line, your neighbor from the back or from the side. So it's very important, guys, to always do a survey. I highly recommend to always do a survey. Every property we purchase we do a survey. It's very important. How much do surveys?
Speaker 1:usually cost every survey is different. I would say the average is from like 700 to 1000 700 to 1000. It depends how big the home is yeah, the lot, because some lots are huge when a surveyor is doing it. They also got to go to the records to see basically where your lines are on the D Right. So they will go and measure everything around for you.
Speaker 2:Yeah, have you ever had a survey that wasn't completely accurate and you had to get like a second opinion?
Speaker 1:Yes, I recently had a survey done like that it was, it wasn't accurate. And the neighbor next door was like the survey that your client has is not accurate. So I had to use both surveys and then we had to contact back the surveyor and apparently that the surveyor was the one that did the incorrect. I mean he did a mistake.
Speaker 1:It happens, we're all here and the only reason he made a mistake was because when he saw the records on the city he couldn't see the numbers. It was a two or a five. That's a big difference when you're doing a survey right of fee. So he didn't know, he couldn't see if it was a two or five. He showed it to me and I was like, yeah, it was pretty hard to notice it. But he noticed that it was closer to what the lady was saying next door Gotcha, did you get a refund for that? No, all he couldn't see the numbers from the city. How did you realize that there was a mistake? The neighbor next door definitely indicated that the survey was incorrect.
Speaker 2:Oh, okay, yeah, Gotcha yeah.
Speaker 1:And then we verified, Because the way you verify also you see the neighbor's survey and then you call the surveyor to see who was right and who was wrong.
Speaker 2:Right to cross -check it.
Speaker 1:And he cross-checked and he realized that he was off by I think it was like three, but that's a lot, three feet. You know what I'm saying? Yeah, that's a lot.
Speaker 2:That is a lot.
Speaker 1:Yeah, so it was just that it was actually, I'm sorry, so it was two inches and hers was five inches. So because of that, those out. Still, it was incorrect, but it got fixed. So surveys are very important guys.
Speaker 2:Right. Another question that we have from people are like what is a certificate of occupancy?
Speaker 1:That basically will tell you if it's a legal single family, if it's a legal two family. It'll tell you the rooms, how many rooms each unit is. And it's very important to have that because bank also requests it. Before they give you the money to purchase the property they have to verify that there's a seal, got it. So ceo basically lets you know. Basically it's safe to live in there.
Speaker 2:In other words too and it tells you the lay of the uh tells you the layout inside.
Speaker 1:It all depends because every ceo is different, because remember some houses built in the 1900s, so any is. I'm actually happy to mention that any house built before 1938, there there's no seal. It's after 1938 the seal started coming out, right.
Speaker 2:Yeah, so you don't need a seal if it's 1938 or below.
Speaker 1:Below Correct Correct Seals is after 1938. After 1938?. They have seals and the seal will basically indicate if it's a single family, two family and it will tell you how many bedrooms each unit is bathroom and all that whatever it was like uh, remodeled almost completely afterwards, like almost and they've renovated the house entirely yeah, like as long you don't take walls down, you could renovate it, but definitely pull out permits yeah when you're doing renovations and that's another thing right that we've been seeing with the listings that we've been getting as of lately, there's a lot of open permits.
Speaker 1:I'm happy you mentioned it, so I've been seeing recently. So when we go and list your property homeowners, the first thing we do is order a title report, and the reason we order a title report is we want to see if your title is clear and clean, right. This helps out a lot because we know exactly what we're working with, so we don't wait till a buyer goes in contract and order their title report. We order our title, our title reports on it, on the property. So recently I've been seeing that a lot of these homeowners bought properties and the previous attorney right or title company they work with they didn't let them know that they were open permits, so they will buy properties with open permits right. So when you're buying a property, guys, you have to make sure title report is clear, meaning that there's no violation, open permits right, no liens on the property, of course, no mortgage right and anything with the city right. Make sure it's clear.
Speaker 1:One thing I've been noticing is that there's been a lot of property with open permit Right now. For instance, I got a client. She bought a house in 2017, which is very recent right and her property had two open permits she wasn't aware of. How was she able?
Speaker 2:to buy it then.
Speaker 1:The reality is that the bank still gives the funds to purchase right, even with these permits, as long as you, as the homeowner, know these permits are open and understand it. You know, as long as it's disclosed to you, you can move forward, right, right, unless there's no CO, then it becomes an issue, right? So she bought a property that had plumbing and also electric. Both of them were, if I'm not mistaken, 2003, 2005. But she bought the property with it. So what happens, guys, now that she's selling her house? Now the new buyer wants the title to be clear. So she's responsible to close those permits. Right? So now she has to hire a professional plumber and a professional electrician to close those permits out, because the city will not close it unless they come and do a final inspection. You could pull up all the permits you want. The city will not close permits unless they do a final inspection. If there is no final inspection, those permits are going to maintain open.
Speaker 1:And as a homeowner, when you're selling your house, just put yourself in the position of a buyer. He wants to make sure everything's clear on title, meaning that he don't want anything open. He don't want to be responsible for any of that, and now it's her responsibility to close them or you could work something out with them. So you got options right. We try to find out other options for the client. One thing we do a lot we disclose every detail because we don't want no one to walk into any surprise. So we make sure the buyer seller understands what's going on in detail, especially we're representing them. So now the seller has two options they close the permits or offer money to the buyer of credit to get it done but will have to be disclosed in detail exactly what the permits are, what they say and what it was open for. And then the buyer will decide that credit amount is good enough for them and it's not, and they will get negotiated or the seller will have to close those permits.
Speaker 2:Got you and for these open permits right. Do they accrue like extra costs the longer you have them open? Or is it just a one-time thing where you just got to get them closed and that's it?
Speaker 1:No, you just got to get them closed. But basically what you need to do, what is going to be costly is when you hire the professional, for instance, if it's an electrician. When you hire the electrician to come and close that permit that he did not do, he has to come and verify the work. If there's work to be needed, you have to pay to get the work needed to be up to code to close it Got you. So really you cannot say how much it's going to be. But if it's an open permit, definitely you're going to pay because you're going to pay and the licensed electrician to put his license in the line and now he's going to take over the permit, so the line and he, now he's going to put take over the permit he's going to. So he got to make sure that all the work that has to be done is up to colon and materials and labor is going to be cost you plus the permit got you.
Speaker 2:all those fees are going to be piled up to you and you will have to pay to close it so I can only imagine when you know homeowners hear this and they got to go like am I got to pay even more money now Because, like I didn't know, there might have been a permit open and stuff.
Speaker 1:Yes.
Speaker 2:That's why it's important to hire someone that will do all that research for you.
Speaker 1:We usually order for the homeowners so we can know what's going on and we already have a plan of action to see how we're going to handle this, how we could deal. And we also will come and bring about two to three contractors electricians, plumbers, depending on the permit to basically help us clear and close those permits and we'll give the homeowner the option they could choose. But we let the professionals come in and give us estimates on this because we like to sell the property with a clean title. That's the honest truth. I always advise the client when you're selling your house, it's best to sell it with a clean title. Why? The first reason is I like to do the things right with transparency. Secondly, I want to max your pocket. I want to make sure the homeowner gets the max rent. If you're selling a property with a clean title, you're going to definitely benefit at closing.
Speaker 2:Right and without a clean title, people have second thoughts about buying the home because they don't want to take on that heading exactly when they get in there. Yeah, so definitely. That's why in the last podcast we discussed like also, when you're um investing in homes to sell them again, you can't be doing a cheap job on it too, and you got to make it presentable and stuff like that, because you got to think of the buyer as well.
Speaker 1:They don't want no problems when they go into that home, just I do do want to bring this out on a tip out to everyone, all the homeowners.
Speaker 1:To all the homeowners before you do any work to your house, get professionals involved.
Speaker 1:Right, because there's a lot of homeowners that I sold their houses that they come and do an illegal extension, illegal bathroom in the basement, illegal basement. Right, a lot of people like to do decks. That's one of the most illegal thing you can be doing, because you got to get permits, you got to get plans, you got to involve an architect to get this done for you, you got to involve a contractor to pull out permits and it costs you more. But when you do the things the right way, it's going to be less costly than when you do it the wrong way, because if a city sees you doing any work to the property illegally, you're gonna put a stop work order, it's gonna be costly and give you fines, and then now you have to do the whole process because nobody wants to buy a property with a stop work order oh yeah, we've seen uh, I've seen a couple, yeah, where they're doing work and then they get stopped because they're not doing it the legal way.
Speaker 2:Now you're backed up three months or something like that, and then you're just letting that thing sit.
Speaker 1:Yeah, because once you get the stop work order, that means you cannot do any more work in there or you're going to be fine and as far as going to jail, they will honestly lock you up.
Speaker 1:If you go inside the property and do more work to it, it's best to do everything the right way. So I've been seeing a lot of people just doing a lot of Just make sure, before you do any work in your property, make sure you see the plans, the original plans of the inside of your house Right, because it's going to let you know what's legal and what's not. And if you want to take a wall down, if you want to do extend your kitchen or if you want to do an extra room, make sure you submit plans with a licensed architect to get it done for you, because if you get caught you're going to get a stop work order and I've seen it a lot of times. You know so I'm very involved with these titles. I'm very involved with these permits. So I witnessed a lot of my clients and I advise a lot of my clients to always do the right thing because I don't want to see them stuck with a property like that.
Speaker 1:I had one client that hired me about a year ago. He had over 200 violations. You know. We helped him clear all of it. We got him in Cornelie, we got him to architect, so we were able to get all the cure and we ended up selling the property for a great amount. But he was very stressed out because he had 200 violations. He did a lot of legal work. He got caught by the city multiple times. He was at the line of losing the property. Thank God he didn't because we helped him out. You know, but just when you're dealing with any renovations, any extensions, any plumbing, electric, make sure you hire a professional, an electrician. But first person you need to hire to do these works is usually an architect so he could draw the plans for you.
Speaker 2:Yeah, and an architect can also be like if you're trying to do something else to the home, like actually, like anything that's doing that yeah yeah, they can also be engineers as well, like architects can sometimes be engineers no, it's two different lines.
Speaker 1:So it's architect. It has his line of joint plans. Engineer is more structural yeah to make sure everything's good, but the engineer definitely.
Speaker 2:Oh, the engineer could be. The can be an architect as well, but an architect might not always be An architect is not an engineer.
Speaker 1:An engineer could cover both lines, if I understand, but architect only does architect and drill plants.
Speaker 2:There you go.
Speaker 1:And does the codes to make sure you know it's all covered, right?
Speaker 2:Yeah, and have you heard of the City of yes Initiative?
Speaker 1:That's Adams, correct, the mayor, mayor Adams.
Speaker 2:Yeah, it's a comprehensive zoning reform proposed by Major Eric Adams, aimed to address New York's housing crisis, and the reason why I bring it up it's because this is one of the things that helped one of our clients secure a home because of an ADU, an additional dwelling unit. I don't know if we talked about this before, but an ADU is really important, I mean for some buyers trying to get a home, because they could essentially look at a single family home that has a full basement that looks like an apartment.
Speaker 1:You can use that as extra income to actually qualify for that home For a single family right for a single family for single family, you know, basically single family with a walk-in, walk-out basement, separate entrance, entrance and it's considered like an apartment right exactly you could use that as income, as a, as the apartment, and it's going to be able to qualify for more for the purchase of the property it basically becomes becomes a multifamily home in a way, because you're able to use the income that you would be getting from that-. Basement.
Speaker 2:Yeah, from that basement towards the loan. So it's a way to kind of get like a pseudo multifamily home.
Speaker 1:I remember that client. So that client didn't actually qualify for the single family. By the way, heidi was actually the mortgage broker on this. She actually was the lender on this property. She came up with the ADU and was able to get the buyer the funds to purchase the property. We've got a lender that was able to do it, which was Heidi. I just want to let you guys know to all those buyers out there, all those buyers that think they don't qualify Depending on your situation, everybody got a different situation right. But just call us, you never know. Heidi covers ITIN, she covers all types of programs. She's a mortgage broker. She has access to over 95 banks. So they have tons of programs out there that you don't know of, but I'm sure if you bring it up to Heidi's attention she could definitely assist you. I remember that client. He was actually happy. Oh yeah, he didn't qualify to buy it as a regular loan, but it was able to do it with the ADU.
Speaker 2:We had to look very specifically at single-family homes that had a full basement, complied with everything, so it had to have a separate entrance. It had to have windows on every bedroom besides the bathroom. The bathroom doesn't need to have windows, but everything else and the kitchen right.
Speaker 1:The kitchen, but everything else and the kitchen right, the kitchen?
Speaker 2:yeah, it has to have. It has to have a stove and it has to have cabinets, at least in the bottom, along with, like the sink and stuff.
Speaker 1:Yeah, yeah it's so many programs out there. You know, with these banks and as I've been noticing, that, every day is a new program that comes out. So all those buyers, every day is a new program that comes out. So all those buyers, every day is a new program out there that's coming out. They have the 0% down payment. A lot of people call for that. Guys, it's programs for everything, especially now for first-time buyers. We've got so many programs. Take advantage, you never know. Just give us a call, right, let us know, we'll send you to Heidi, heidi's, our preferred lender.
Speaker 2:Oh man, she would definitely assist you. If she has a poor one that could assist you, she will tell you. Yeah, she's very creative with stuff too. She'll move a lot of things around to see how we can make it happen.
Speaker 1:I'll be honest with you, I've never seen someone like she literally puts her heart into those files. She literally puts all her energy and heart in. She loves to see those clients be happy. I'll be honest with you, I saw her one time. She was clients be happy. I'll be honest with you. I saw her one time she was like calm down, but she puts her heart so much into it. She was freaking out, freaking out for a co-op. She did a co-op i-10, which they don't have that program anymore. The buyer was done and the lender was just taking a sweet time and she will literally call every single day till she got it done. And I will see her on the holidays, even in time with the family. She was supposed to be where she. She would be calling all these lines to make sure this client got what was promised to her.
Speaker 1:I saw her crying and tears for it and when she got it done you know she would cry with these buyers, like Heidi's very like emotional, and she would literally cry with these buyers of excitement. You know, because she really puts her heart and feels for these families, because she puts herself in like their position and says they have families just like we are. It's a family business and we try our best to provide as much value to these families that you're not going to be able to sustain, right?
Speaker 2:She always says like, what are you comfortable with? Like, what are you really looking at? Because she doesn't want to just give you a loan for like 800,000 and expect you to go all there. She might as well just have you at 700 paying something that you're more comfortable with Like you're, it better suits you.
Speaker 1:Yeah, we're here for you, guys. Please put some questions in there comments. We're here for you guys. Please put some questions in there comments. We're all over TikTok, Instagram, YouTube. We're everywhere. So, guys, please comment, like and see you till next time and happy holidays if we don't catch you guys. Happy holidays, guys. Bye.
Speaker 2:Bye-bye, Bye guys.