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Suit Up With Baez
Level up your real estate, mortgage, and business game with the 'Suit Up with Baez Podcast!' Tune in for bold strategies and expert insights to fuel your success!
Suit Up With Baez
Episode 22: Homeownership Dreams & Mortgage Mastery: Navigating Real Estate Journeys, Gratitude Gestures, and Future Equity Visions
Embark on an inspiring journey with us as Heidi Baez, my incredible wife and business partner, shares how we turned our dream of homeownership into reality. Despite not having the full down payment, Heidi's unwavering faith and expertise as a mortgage broker were instrumental in our first property purchase. Together, we reveal how teamwork, persistence, and a bit of faith can lead to success, while offering practical advice like visiting neighborhoods at different times to truly understand your potential new home. Learn from our story and discover how these principles can guide your path to owning your own space.
In this episode, Heidi and I also explore the meaningful nuances of gratitude in the real estate and mortgage sectors. Hear the heartwarming story of a client who thanked Heidi with flowers after a long journey to improve her credit score. We also discuss the advantages of working with a mortgage broker and navigating common concerns like interest rates. With an optimistic outlook towards 2025, we encourage listeners to consider the lasting value of real estate investments, focusing on building equity and leaving a legacy for future generations. Let our experiences inspire you to take that significant and rewarding step into homeownership.
Hello everyone, Welcome to Sudo with Bias podcast, and I'm here with my wife, Heidi Bias, my special guest. I'm extremely excited that Heidi's here with me, my wife, my best partner, my everything, in other words. So Heidi'm actually happy you're here.
Speaker 1:You joined us yes, I'm happy to be here.
Speaker 2:Thank you so much for having me I would prefer mortgage lender yes so heidi uh I want to talk a little about our story. Okay, me and heidi, we've been married for almost eight years yes you can say that it's safe safe to say Say eight years, seven to eight years. We have two beautiful kids. I have a son and a daughter, levi and Lexi, six-year-old, two-year-old. Heidi's running her business. I'm running my business. I'm a real estate broker. Heidi's a mortgage broker. We are the you know like people say, the dream team. Yes and we try to do this together.
Speaker 1:And we're working together, working together and working every day together.
Speaker 2:That's the best part yeah, so let's hear your side. How do you feel about being a mortgage broker and?
Speaker 1:Working together.
Speaker 2:Yeah, working together.
Speaker 1:Yeah, so the mortgage side is definitely not easy, but I love it here. You know there's always there's ups and downs, but I feel like the best part of being a mortgage broker is being able to help people that are in need and, you know, are looking and sometimes people don't think that they can qualify and when they come to me they're surprised and I think that's one of my best experiences, you know, just like seeing that they can actually qualify and, you know, making it happen.
Speaker 2:You know I've been reading some comments, and one of the comments I've been reading on TikTok is that people want to know how we became a homeowner, our first property, what was the experience for us too, because same thing that you know, we're helping people buy or sell. We was in the same position right. So we understand all those fears, all that. You know people get nervous, so tell them about our experience on when we borrowed first property how it was.
Speaker 1:Yeah, so we were also very scared.
Speaker 1:I don't know if you remember, but we actually didn't even have the money for the down payment, which is incredible. So basically, we just decided you know, ok, let's do it, we're about to have a kid, let's just go for it, right? So we just went, got approved. We needed a certain amount of money and we didn't have it. At the time, we were kind of just like hoping, you know, something would happen. And and it did, um, you know, we put God first, um, which is, yeah, which was one of the most important things, and we were guided in the correct line and we were able to come up with the money towards the transaction. Right, it was mid-transaction.
Speaker 2:So this is how it happened. Our first property was a condo.
Speaker 1:Yeah, it was a condo.
Speaker 2:One thing that I would say publicly.
Speaker 1:I appreciate.
Speaker 2:Heidi Because she brought my faith up. I usually was a guy with a very low faith right, especially in God presence right. But Heidi has brought it up to me and I would share that story. Why what she did that day. So we actually went to the condominium. We wanted to get the condo. Our first property was a condo three bedrooms, two baths, wet parking space right.
Speaker 1:We also had a laundry inside our yeah, when we saw it, I fell in love with it actually the layout and even to this day, like I I tell him all the time I loved our condo, like I was very happy there. But you know, we wanted more space because we had obviously we had, um, our second child, yeah, and it was a girl, so she definitely needs her own space. So so we decided to buy a home, which was our second property that we bought, but I still love the condo. It wasn't the biggest, but it was the one that got us here, I feel.
Speaker 2:I don't know that condominium. We actually went to purchase the condominium. We qualified to purchase but we didn't have the down payment. But one thing that we did one night, I was driving. I used to go every night to see this condo and we qualified to purchase but we didn't have the down payment. But one thing that we did one night I was driving. I used to go every night to see this condo with Heidi. She was annoyed.
Speaker 2:Every night she'd pull over around 9, 10 to see the condo outside the neighborhood, Because to all those buyers, when you're buying a property, it's good for you guys to also go at nighttime see the neighborhood, see the places around.
Speaker 1:So when you're moving your family, it's good to know where you're moving to right. So we used to. I used to drive there all the time and I was born in that same area. Yeah, I was just too excited we were in the bronx. Yeah, so we were. We were familiar with the area. But those condos, basically they're in a gated um gated community yeah, gated community, so the whole block is gated.
Speaker 1:So when we we pass it, we would see it all the time and I'm like, oh my God, this is like you know. This is perfect for us. Right, it's gated in. You know, we have our parking spot we're not going to be worried about, because if you're from the Bronx, you know that parking is horrible.
Speaker 2:It is. We went to the property, we didn't have the money and all that. So Heidi was like Alex just put what you said, put your hands on the wall.
Speaker 1:No, no, no. So, there's a saying in the Bible that everything that your feet touches, god promises it would be for us one day. So we went one night. Yeah, so my dad's a pastor, right? So I, you know, I grew up as a pastor's child and a PK, and that saying always stood with me. So everything that your foot touches, you declare that it's yours, right? So I would tell him okay, just step on it Like step on the wall, step on the wall, it's going to be ours, don't worry.
Speaker 2:And I went two times. Of course, when I did it, I was like what? I was like you know what. Let me just listen to my wife. Might be true what she's saying. So I actually did that. We went. We stopped our foot. It was like 9, 10 at night. They got the homeowner. They didn't even notice that we were there.
Speaker 1:No, they weren't living there anymore.
Speaker 2:Remember they mommy, it was there, they were there.
Speaker 2:Oh, I don't remember they were there, it was like 9, 10 at night, okay, and we did that. And then after that I was like you know what? It's time to work aggressively. We went in contract, we put a deposit of $10,000. Yeah, and after that we didn't even have the rest of the down payment. I told Heidi babe, let's put us together, let's figure this out together and let's just go out there and work as much as we can and thanks first to God. Then, heidi, we were able to purchase our first condo. But our faith, we put it together. Our belief, we put it together. We basically became one right.
Speaker 2:Which we are because we're married. Right, we became one and we both had the same goal was to purchase something because Levi was coming on the way and I was nervous because I had a one-barrel rental. I was nervous I cannot raise my son in the one-barrel. I was like we need more space.
Speaker 2:So I told Heidi babe, it's either this or we're going to have to go get another apartment. But I prefer to get our own place pay our own mortgage instead of paying rent. So I told Heidi, listen, let's just go for it. Heidi, of course, supported me. Her faith brought it in and I was like all right, it's that time to purchase the problem. We purchased it and I mean, I was there, it was once we purchased. We bought it on my mom's birthday, december 3rd.
Speaker 1:Yeah, I remember it was cold because I had my jacket and scarf, but let me elaborate on that, right? So we needed a 20% down, but you know that's not and we were first time home buyers, but yeah, that's not always the case, right? So in our situation, we had to do it this way because we qualified with a certain amount, but to make it happen we had to do a 20% down.
Speaker 1:So every yeah, everybody's situation is different. You know also, when you know not not saying that every first time homebuyer needs a 20% down, you know I've done loans for first time homebuyers that you know they only require three, three, 3.5, or you know 5% down. So it's basically you know you never know your scenario and what is. Or you know five percent down. So it's basically you know you never know your scenario and what is. You know everybody's scenario is different, so you know. That's why I wanted it like right, just to make sure everybody understands, it was in the bronx.
Speaker 2:So condominiums they don't.
Speaker 1:They don't accept fhas they don't accept fhas, that's the thing.
Speaker 2:And then we didn't want to pay pmi, so we did a 20 and then the minimum, usually for the Bronx is 10% yeah.
Speaker 1:So that's another thing that you know.
Speaker 2:So we bought it.
Speaker 1:I mean, it was like that's where everything started from there, we went on and now we're here eight years, but Heidi got some questions for you, I think everyone's been asking me.
Speaker 2:I know you used to be a real estate broker, right, but you decided not to become a mortgage broker a few years ago already.
Speaker 1:Yes.
Speaker 2:How's that transition been for you?
Speaker 1:It's been. It's been different, so the mortgage side is very different. I always tell my husband I feel like I feel like you see more gratitude on you know the clients that you help here in this side than the realtor side. Yeah, there was recently. There was a client that even came to me with flowers at a closing and that was so touching to me because I was always the one.
Speaker 2:I never got flowers, no, as a realtor, yeah, when.
Speaker 1:I was a realtor. As a realtor, I would be the one to bring them you know the buyer something. And I would be the one to bring them you know the buyer something. And, and that really touched my heart, I was like, wow, you know like humble beginnings and now look more right yeah exactly.
Speaker 1:So you know, you could see that the gratitude was there for this client. She was very grateful. Mind you, I was working with this client for over two years. Wow, yeah, so we were. We created a strategy, a, a plan for her to be able to qualify, uh, for the time that she bought and, yes, it was very structured. Yeah, so we spent.
Speaker 2:Yeah, it was about two years that she took to basically preparing this by yeah for the time documents and letting her know what to do yes and she was able to purchase house two years later.
Speaker 1:Yes, but she also, um, it was her decision to wait that long. It wasn't because of her um she, you know, because there's a lot of things that play a part right. So for her it was important to get a very good interest rate right. So she wanted to work in particular and focus on her credit score, her F FICO. That was the most important thing. So that was one of the reasons why she decided to wait that long and to do the whole two-year process.
Speaker 2:So if you have a good credit score, a high credit score, you get better rates. So yes, how does that work?
Speaker 1:So it definitely helps you get a better rate because you know with, let's say, we can do loans for people that have 500 credit score. Fico score yes, but sometimes the interest rate isn't favorable. You know it's a little bit elevated because these banks see it as risk.
Speaker 2:You know they see it as risk to them. I'm with you but, most importantly, you'll be able to buy a property.
Speaker 1:You'll be able. Yeah, A 500 credit score is amazing.
Speaker 2:Yeah, I'm with you. But, most importantly, you'll be able to buy a property.
Speaker 1:You'll be able.
Speaker 2:Yeah, A 500 credit score is amazing. I'm not saying the credit score is amazing, but it's good for you guys to at least get your foot in it definitely helps.
Speaker 1:Yeah, it helps. So you don't need a very high credit score. And that's what I was trying to explain to this client that I had. You don't need a high credit score. But if it's important to you and you do care on getting a good interest rate that you are going to hold for a long time without refinancing, then you know let's work on it. And she was like yeah, that's what I want to do, I want to focus on getting that situated and get a little bit higher. You know, but most of the times we were able to do, you know, loans for people that have that type of FICO score as low as 500.
Speaker 2:Sometimes it feels good to be appreciated.
Speaker 1:Road to Tire.
Speaker 2:We do everything we can to right, but most people that I see that's appreciated, mostly the lenders and attorneys, right, but I think this is a team thing. Everyone should see everyone's basically working. What are we putting into it? But at the end of the day, we just want to see the client happy. It's good that you experienced that, to be honest with you.
Speaker 1:Yeah, it was a nice experience and I don't do it for that, but it just shows you there's good people out there. I don't know. There's people that do appreciate your work and sometimes it's nice to be seen A hundred percent.
Speaker 2:I'm with you a hundred percent. Um so are you a broker or a banker?
Speaker 1:I am a. I'm a broker.
Speaker 2:Great, great. Which one you think is best, broker or bankers?
Speaker 1:Well, a lot of bankers like their banking side, but a lot of brokers think that they're you know side, but a lot of brokers think that they're you know where it is.
Speaker 2:So I personally I prefer being a broker.
Speaker 1:Okay, yes, I prefer, and I've always been a broker on the broker. Which broker is? The mortgage side of the of the broker world is basically wholesale. We do wholesale, and then there's retail, so, like the banker banks, that would be considered a retail bank right.
Speaker 2:So you picked broker side right?
Speaker 1:Oh yes, so the reason why I decided to be a broker is because my clientele, you know, led me to being practically, to having more options, right? So the brokers definitely have more options. We have ITIN. Let me ask you a question. So you have more options, right?
Speaker 2:So the brokers definitely have more options. We have ITIN. Let me ask you a question. So you have more options. How many banks do you have access to today?
Speaker 1:Yeah, we have. Right now I am with 90 banks, Wow.
Speaker 2:So you're basically saying that these buyers that come to you have access to 90 banks?
Speaker 1:Yes, 90. So if one bank doesn't do it, the other one can. Oh, so what's the benefits of having access to so many banks? Yeah, just that if it doesn't work somewhere, we move the same loan over to the next one and they'll be able to do it for sure. Obviously, um, each bank has different requirements and you know different programs, but we're able to structure the, the loan do they all offer the same rates or they'll offer different rates?
Speaker 1:they offer different rates and because we brokers we do get incentives that most retail banks don't.
Speaker 2:So you get better rates for your clients.
Speaker 1:Yes, usually yes, and obviously you know. They also have the option on Buying points, which is another option.
Speaker 2:What programs that you offer that are the ones that stands out the most.
Speaker 1:Well, my clientele that brought me here to being a broker has been the ITIN community. So which is the tax ID? Like buyers, they're able to purchase. Most of them sometimes, you know, are investors and people that have like their own companies and stuff. So their taxes aren't sometimes in line and when it's like that, you know, we definitely have to explore which is the non-QM side of things.
Speaker 2:What's the minimum down payment for a tax agent I-10, sorry.
Speaker 1:Yeah, so it depends on the FICO. If they have no FICO, we're doing a 20%. If they do have a FICO over 700, we can do as low as 10%.
Speaker 2:Oh, on I-10.
Speaker 1:Yeah.
Speaker 2:So all those tax IDs out there, guys, Hablamos Español too. She definitely offers I-10. What other programs do you offer?
Speaker 1:Yeah, we offer 1099 loans, bank statement loans. We offer FHA, conventional VAs. We do also for investors, we do the DSCR, which is when the DSCR is. Basically we use the income of whatever the property is bringing in. That income of the property, like the units being rented out, that will cover the mortgage. So, yeah, so practically, practically no doc loans as well.
Speaker 2:So in other words just bring, bring over your documents to her and she will see which one is best fits for you and she. You can bring her any type of scenario and she will see if she got 60 or not. In other words, yeah, right, yeah, basically what is the biggest regret homebuyers have after closing? I love that question. Someone asked. They always ask you that, right, yeah, what's the biggest regret homebuyers have after closing? I love that question. Someone asked.
Speaker 1:They always ask you that, right yeah.
Speaker 2:What's the biggest regret homebuyers have after?
Speaker 1:After Closing. So after closing they always say you know, we should have done this sooner. Why didn't we do it in COVID time, when the rates were insane, you know, because at that time rates were insane and now we're at a seven, you know. So it's, it's a regret that most home buyers I have seen at um after closing they do have is why we didn't do this, you know I want to bring on that topic that heidi just said.
Speaker 2:Uh, you know a lot of home buyers. They that's the biggest thing here is like why I didn't do it sooner. Right, I think we start hearing too much on the media, especially talking about the rates. I'll be honest with you guys. If you qualify to purchase a home, yes, rates is important. Right, you want to get the best rate. But purchase is more importantly, having your foot in real estate, right. Sometimes we just focus on things, which is interest rates and all this. I think it's more importantly having your foot in real estate, because once we purchase our first property right, it opened a lot of doors for us and we continue purchasing more properties, right. But at the end of the day, I'm more focused on what's today and we just got to go for it and the rates go down and just do a refinance in the future. That's what I always say to everyone.
Speaker 2:It's just more important is stepping your foot in another thing, is like when we purchased our first property, I had a friend's family mentioned like why don't you just buy a single family? Why don't you buy a two family?
Speaker 1:yeah, they actually told us to buy a two family and then we were like I mean, this is what. So we wish, I want to make it clear to everyone is what you can afford yes, what matters? How could I get?
Speaker 2:my foot into something in real estate. Doesn't matter if it's a co-op, condo, single family, two, three family. That's what you can afford at the moment. It's more important is what can you buy and afford at the moment? Right, of course you're going to hear those negative comments coming in about ah, I should have got a single family, two family. I heard it so many times and I'm like this is what I could afford. But guess what? I bought that and we continue buying property. But this is where we started at. I always tell my wife where we started at is like we started from the bottom together, right, me and my wife Heidi. And little by little thanks to first God we've been climbing up, little by little. We're still not where we want to be at, but we're getting there. Just another thing.
Speaker 1:And it's amazing because, wait, let's elaborate on that right on that, right so. But so we bought a condo and it actually helped us to qualify for our home now, which is a single family residence, and you know that's why, buying something, you know, the sooner you buy something, you know, no matter what it is, if it's a co-op, a lot of people, you know, underestimate co-ops, but a lot of the co-ops, a lot you know my clients come to me and they're using it as additional income, you know, to qualify for a bigger home. So you know they it's. You're never losing in real estate and don't be afraid, you know. If it's not your dream home yet, don't worry, you'll get there you know, just just get is is important.
Speaker 1:Just getting in that he said. Just get in, get your feet wet. See, you know if it's for you, because some people also don't like you know the home ownership right.
Speaker 2:Some people decide it's too much for them you know, usually like the maintenance, people always complain about the maintenance yeah, that's why you know everyone have different preferences. Whatever you know preference, you have to just do it you know.
Speaker 1:Yeah, and just don't underestimate co-ops and condos because at the end of the day, it will help you.
Speaker 2:Any real estate will help you, yes, it feels good to say you own something yeah, that too you know so it's good to say that I own this and, at the end of the day, we're building you know this for our kids. For us, me and heidi more like, what can we build, uh, for our kids? You know, so this is what we kids for us, me and Heidi more Like, what can we build for our kids? You know, so this is what we've been doing trying to buy as much real estate as possible. We can't, right, as everyone out there probably is too right, heidi, what's one tip you would like to share with buyers for 2025?
Speaker 1:For 2025?
Speaker 2:This is a big year for a lot of people, so Just go for that house.
Speaker 1:You know, just just like I said, um, don't be afraid. Um, I know a lot of people. It can be scary, cause it is. You know it's. It's a very big step. It's a really the one of the biggest transactions you will possibly make in your life. So, you know, don't be scared. If you qualify, go for it. You won't regret it. You just won't because in real estate you're always it's always building equity, it's like.
Speaker 2:I'll be honest with you. We have sold so many homes right. We have helped so many families buy, sell homes and especially on the buyer side, I've never heard a buyer say to us I regret buying this house.
Speaker 1:I regret doing this, I regret this house. I regret doing this.
Speaker 2:I regret, and you really don't hear it. If you hear it, you really don't hear none of that.
Speaker 1:Yeah.
Speaker 2:Right, especially if you have the right team, the right sources next to you to purchase yeah, because that's important too, right. Yeah. So it's like wow, so people. You're never going to hear it, so it's like, why not do it?
Speaker 1:You know what I'm saying?
Speaker 2:It's actually so beneficial instead of going and buying a car. I see people buying cars, buying maxing out credit cards and all this.
Speaker 1:It's nice to have cars, but, you know, make sure you get a house first.
Speaker 2:Yes, guys, you know that's one thing that I did is like I bought the house and then I bought the car.
Speaker 1:You want to make sure you're comfortable, first where you're, where you're staying, you know, so it it makes sense. I mean, a lot of people will see it however. They want Right, but yeah.
Speaker 2:Let me ask you a question. You know, when these clients are in the process of wanting to get pre-approval, or being pre-approval, or in contract, what are the things a buyer shouldn't do?
Speaker 1:What a buyer shouldn't do when yeah. So basically, you don't want to buy a car, you don't want to make large transactions as buying furniture and stuff like that, you don't want to co-sign for anyone, just because this will come up on your credit. And you know, even though there's tricks and tips that we can, as mortgage brokers, give you, it's important to keep your DTI at a certain amount so that way you can qualify. And if you don't know what DTI is, it's debt to income ratio, so your debt to income exactly.
Speaker 1:Basically, it's very important to keep it as low as possible. And yeah, just don't make any large transactions and keep working on your FICO score, but don't take out any credit cards either. That's also another one. Don't take out credit cards. Don't take out any credit cards either. That's also another one. Don't take out credit cards.
Speaker 2:Don't take out credit cards, okay. Don't apply for credit cards, yeah.
Speaker 1:So basically anything that has to do with your credit basically Wow, yeah, like don't mess with your credit.
Speaker 2:One thing I would say basically witnessing and seeing, heidi, is that you know you should really follow what your mortgage broker advice?
Speaker 1:is you want?
Speaker 2:this to be as smooth. As you know, the process can be stressful, right, heidi?
Speaker 1:Yes, what's the?
Speaker 2:most stressful part of this other transaction on purchasing a home.
Speaker 1:Well, it could be anything, because you know, there's situations in which maybe everybody's different right, but there's situations that maybe the person doesn't have enough funds right at the end, like, let's say, the appraisal comes in different right, but there's situations that maybe the person doesn't have enough funds right at the end, like, let's say, the appraisal comes in short right, that's a big issue, because now they have to come out of their pocket with an additional 20K that they don't have.
Speaker 2:So you know, Depending on your contract's language.
Speaker 1:yeah, Basically, yeah. So that's why I said everybody's scenario is different. It's really hard to. I would say it's more like the conditions.
Speaker 2:Some people get more conditions than others. Yeah, but I don't think that's hard though.
Speaker 1:Because the conditions basically it's like the bank is already approving you, so all you have to do is just get them those additional documents. So it's not really.
Speaker 2:Some buyers get overwhelmed.
Speaker 1:They do.
Speaker 2:I think that some buyers get overwhelmed.
Speaker 1:They do. I think that's yes, because sometimes they do feel like okay, I already submitted this, yeah, but they need more, you know.
Speaker 2:Explanation yeah to all those buyers like you gotta understand, getting a huge loan yeah, you know some of you guys are getting half a million.
Speaker 1:You know close to a million yeah, new york is expensive, so yeah right, so you do numbers, I do want to say that.
Speaker 2:I want to acknowledge my wife, heidi. She does a great job. She's my wife, a mother of two kids. She does a great job with my kids and she's also running her own business. Because she runs her own business, her own mortgage thing Right. I run my own company mortgages and she's doing a great job. One thing I have seen of Heidi, like for instance last night I saw Heidi stay with a client till like 8, 9 pm because the client had to work and came out around 6, 37 pm and wanted to get pre-approved.
Speaker 2:One thing about Heidi she takes care of the client at 7 9 pm. The client already qualified for what was it?
Speaker 1:650 000 right, yeah, actually yeah, because 700 000 yes, but because they wanted to stay in a certain basically take, take time from her family to go and take care of this client, right?
Speaker 2:so I do want to acknowledge all the work she does for our clients. She goes beyond and she actually puts her love. I've seen heidi tear. I've seen heidi, you know, but she does for our clients. She goes beyond and she actually puts her love. I've seen Heidi tear. I've seen Heidi, you know, but she does everything she can to get this done for the client. That's what I mean. She goes far and beyond and she does it with a lot of love, right? So I do want to acknowledge what Heidi does for our clients, for her own clients too. I see how hard Heidi works. I definitely want to acknowledge her and, guys, if you need a pre-approval, reach out to my wife, heidi. She's the best, trust me. She works, she puts her heart into it and you want someone like that next to you, someone that puts their heart and actually been in your shoes as well, because we've been in your shoes, right. I just want to acknowledge you, babe.
Speaker 1:You've done a great job. I want to acknowledge you too. You're building an empire. You're doing well, you work hard, you work very hard. I've seen you stay long hours too, you know because if you know real estate, someone that knows real estate is this guy. He knows what he's doing. So if you need your home sold in a certain amount of time. He's your guy.
Speaker 2:We have almost a decade doing this business and I actually, like I personally, enjoy it and I think I you know I I love real estate so much. Like, for instance, levi yesterday came yesterday and he brought me a picture. He drew me a picture and it was funny, what he drew me was a house.
Speaker 1:A house, yeah.
Speaker 2:Everyone knows how much I love real estate.
Speaker 1:He definitely. He cut it out and he was like Papi, I made you a house. But he knows that his dad sells houses and that's you know.
Speaker 2:I tell levi all the time and he laughs. I'll tell him yeah, when you go to school, you gotta ask all your friends who want to buy and sell. Remember, your dad sells real estate. And he just starts laughing. He tells me no, I'm not gonna do it. But you know, my thing is I just want to involve my family because this is a family business. Right, we're trying to best control our kids and involve them in real estate. Hopefully they go that route, but it's their choice, right?
Speaker 1:one day they're gonna make their own decision.
Speaker 2:That so, which has been hard for me to accept you know, as a father it's hard to accept that, but I'm gonna have to respect it guys, please like subscribe any comments. Please leave them below please. Guys, prefer lanner heidi. She's with who you with I'm with gold rascal gold rascal morgan, she's there for you guys.
Speaker 1:All her information will be based in new Based in New York. What?
Speaker 2:states do you cover, by the way?
Speaker 1:Yeah, so I'm personally licensed in New Jersey, connecticut, pennsylvania, florida and New York, so five states. So if you need anything in any of those states, I am your girl, and if you need your home sold out here in New.
Speaker 2:York Buyers and sellers. I'm here to assist you. So once Heidi pre-approves- you. I'll come and show you the homes and we'll find you your dream home and we're here for all your real estate needs. Okay, guys, thank you so much. Take care, guys.
Speaker 1:See you till next time.
Speaker 2:Bye guys.