WEBVTT

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Ripped off news, so you don't
have come running success as we can show,

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the shooter's gonna help coming man.
This is the Troubleshooter Show. No

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Tom Martinez, welcome, Welcome to
the show, the only show of its

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kind. We're here to solve problems, answer your questions, take complaints.

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My goodness. Our goal in life
is to make you whole. If you've

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been ripped off or taken advantage of
by somebody, maybe a bad contractor you

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know the guys that show up,
they take money down and by god,

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they never come and do any of
the work. They leave you hanging high

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and dry. That's the people that
we love to expose on this show.

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In fact, we use the power
of the media to expose those creeps.

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That's the bottom line. So if
you you've been ripped off or taking advantage

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of, or just need advice in
fact today we're going to get into it

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in a second. But the advice
can be anything. It can be about

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should I hire attorneys, should I
not? Should I go to this dentist?

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How about this doctor and what he
thinks? If you go to referral

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list dot com, we have a
list of experts we use on the show

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all the time, and these people
are here to help you. You know,

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they want you to learn about them
and they want you to use them

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when you need that kind of product. But in the introim they will help

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you out. And a couple great
examples of that are in studio with me

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today. In fact, both good
friends, I can honestly say that.

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Over the years. In fact,
Stephanie Thomas, she's a realtor in the

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Colorado Springs of Pike Peak area.
I need to say this, we have

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known each other, what twenty five, a little over twenty years, yeah,

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yeah, on over twenty five,
over twenty years, Frank durand the

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real estate man sitting next to her, Frank, we've known each other.

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Now coming up on fifteen, I
mean a long time. You helped me

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sell my house in Castle, Iraqia, helped me buy my one in frank

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Down. And we're gonna be talking. We are gonna be talking about some

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of the secrets you guys use,
because let's face it, everybody, everybody

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has a realtor in their family at
some point. I don't know when it

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happened. It's almost like tupperware back
in the day. All of a sudden

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everybody wanted to be a realtor,
but you guys stand out. Your MLS

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stats prove that you guys sell for
more than the other realtors, and I

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truly want to get into what makes
you guys different. But welcome now,

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Channon. Do we have Brent Ivansen
up as well? Brent, are you

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there? We're gonna get Brent ivansent
up. It might take a little bit.

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He's gonna be remote, but Brent
Ivanson owns ideal home loans and we're

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gonna talk about interest rates as well. Where is this market going? Guys?

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I thought the market was correcting and
I'm just talking about interest rates,

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but then the Fed came out and
the FLO numbers were higher than they thought.

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I don't see interest rates now moving
that much, you know, in

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the next six seven months. What
do you guys think? Where are we

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at right now? Do you know? Yeah? So and Brak could probably

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answers this better than I can.
Bet. As of this morning, I

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saw conventional right around seven percent of
MHA around six and a half. But

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compared to where they were marked when
they were pressing around eight percent, it's

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still improved, no question about it. And it was a little bit quiet

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this week with inflation numbers. We
got so freaking spoiled. Let's face it.

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Let's say it like it is.
We got so spoiled with two three

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percent interest rates. And let me
tell you when it comes to buying power,

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give me an idea, guys,
if it's a half a million dollar

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house, or let's use real numbers. What is an average house in Colorado

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Springs or your area, Stephanie,
what's your medium? Our median is still

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mid fors How about here, Frank, Deniers are right around, hanging around

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five eighty five, got almost six
hundred thousand median. Yes, that's insane.

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Okay, so it's seven percent compared
to two and a half percent.

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Tell me the difference in a payment
on that house. Think of it like

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this, Mark, think of it
like this too. Though. Race today,

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even if they're hanging around the high
six is low sevens compared to when

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they were around eight percent of person
with a three thousand dollars a month mortgage

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payment that buyer today can afford around
forty thousand dollars more. So, it

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is making a difference in how much
a buyer can afford with today's race versus

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then remember back in the eighties they
were like around fifteen percent. Did I

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hear Brent connect? Yep, I'm
here Mark, Hey, Brent, I

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bring him down Just to hair,
Brent. I've got a question for you,

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man. So if the median house
in Denver Metro is five hundred and

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eighty five thousand, let's round it
to six hundred. If interest rates were

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a two and a half percent or
three percent, use whatever you want,

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what would that payment be with your
typical down payment? What would that be

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compared to where they are now with
seven percent? I mean, it's massive,

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isn't it It is. It's actually
a difference of thirteen hundred dollars a

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month in payment if you would have
secured a RTED two and a half percent

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versus seven percent. So you're talking
fifteen thousand plus a year for the difference.

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Now, let's factor in let's go
back. I want everybody to listen

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where I'm going with this. Okay, now factor in three. Property taxes

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going up in Colorado. I think
mine went up fifty percent. You probably

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know better than I do on the
average. But let's let's pretend. Let's

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pretend they didn't go up. How
much additional is that brand off the top

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of your head. Now, well, it's a big chunk of money.

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I mean, if you look at
let's just assume that you know, property

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taxes did go up forty percent,
and so let's say they were somewhere in

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the twenty five hundred dollars range before
and now have gone up forty percent.

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You know, you're looking at another
one thousand dollars a year, and when

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you calculate that on a monthly basis, it's another eighty three dollars a month.

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So you know, it's easily one
hundred bucks a month would be my

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best on a home price at that
point. Then I hate to tell people

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this. What else is going to
drastically change this year? Anybody? Anybody?

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Insurance, Palmotors, insurance, insurance. It is absolutely unbelievable. My

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insurance from the time Frank you sold, from the time you helped us buy

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our house in frank Town, our
insurance has tripled, tripled And I've only

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had one claim and that was like
five years ago. It is literally tripled.

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People, if we could go back
in time four years now. I'm

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not saying Biden has everything to do
with this, and I know I'm pissing

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people off, But honest to God, if we went back in four years

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ago, property taxes in Colorado weren't
as close to as high as they are

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now, interest rates were two and
a half three percent, and then on

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top of that, insurance was somewhat
affordable. Compared to now, it has

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gotten outrageous. I mean, honestly, Brent, you lend money all the

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time. How does a new couple
right now? Honest to God, someone

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Susanna and I, when did we
buy our house? Bab We were pretty

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young. We were fortunate. Twenty
twenty one. Yeah, I was nineteen

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ninety four and we were like twenty
one nineteen. We got into our first

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house in Clark Arms. The house
costs US one hundred and ten thousand.

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We saved and had ten thousand or
twelve thousand dollars to put down. Nowadays,

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if a couple in their early twenties
looking to have a baby or grow

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their family, honestly, Brent,
what do they have to have in their

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pocket? What can ideal home loans
do to possibly help them? I mean,

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tell me the skinny now, because
I don't understand how these kids ever

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own property anymore. Well, so
here here's the first stat I'll throw at

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you, that's pretty shocking. The
average age of a first time home buyer

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right now is thirty six years old. Holy crap, So thir thirty six,

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it has moved significantly. Now,
I will tell you there's still options

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out there. FAHA you can put
you know, three percent down, three

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and a half percent down, Chaffa
you can do one thousand dollars down.

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So there still are some low down
payment options out there, but like with

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the Chaffel product, it is income
restricted. So what ends up happening is

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with home prices being where they are, specifically in Metro Denver, you run

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into people that they just make too
much money to be able to access that

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program, so you're typically defaulting to
an FAHA program. Now, there are

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some conventional programs five percent down,
reduced mortgage insurance, so there are options

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out there, but we are typically
seeing that first time home buyer skew older

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and because they're typically dual income making
more money buying later in life, they

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do have a larger down payment.
And so that's how a lot of people

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are swinging it is they're just putting
that off until later when they accumulated that

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larger down payment. They said there. We'll take back up in this conversation

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because I had to answers that my
end is thirty issues. I had no

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idea. I had absolutely no idea. I sorry about that. I had

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the wrong button pushed. Listen,
I'm so used to Shannon being at my

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home studio. I pulled it,
Tom. You want to know exactly what

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happened. I pulled it Tom,
fair enough? All right, Listen,

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we're going to go back to Brent
and these guys on homes. But we

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got a lot of calls coming in, and if you've been ripped off or

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taken advantage of my goodness, we
want to hear from you. We've got

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an issue with an electric company,
I assume a question on a lease,

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and a problem with Excel smart meters. I told people don't switch over to

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those Excel smart meters, and we'll
go over that right after this. Go

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with a sure thing Denver's Best roofer
Excel roofing dot com. You don't pay

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a cent until you're content. Time
for an insurance check up free, no

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obligation. In comparison, call Compass
insurance paying too much your coverage at dozens

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of insurance companies. Find out now
three all three seven to seven to one.

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Help. You'll think you're his only
customer when you choose Frank durand the

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real estate man dot Com to list
your home with Remax Alliance three all three

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nine two zero sixteen twenty two all
right three at zero three seven one three

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eight two five five. You've been
ripped off taking age of you have any

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questions about lending, buying your first
house, buying a home anywhere, selling

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your house. We have a lot
of experts in studio the day once again,

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Frank Durant, Stephanie Thomas, brenn
Ivanson, Ideal home Loans. These

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people know the housing market in Colorado
better than any other people, and I

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would put anybody to the test.
In fact, there's another guy I'm not

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going to mention the name that advertises
and Frank, you know, upset I

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get over this. He comes on
and literally has a pre recording commercial saying

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I shout more home, thank kylo
right old on anybody, and it's total

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bs. We know, and we've
looked up the stats. You've sent me

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the stats. The guy's a liar. I'll just put it like it is.

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He's a big fat liar. So
that's my opinion on that one.

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Now, let's go to Wendy.
She's got a question on a lease.

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Wendy, are we talking residential commercial? What kind of lease is it?

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It's a commercial triple net lease,
okay? And what is it for?

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And for people that don't know,
triple net is usually you're paying tax,

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says you're paying cam? What's the
other? What's the third? Guys?

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Come on, Frank, you've done
some commercial stuff. I'm sorry, Wendy,

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do you know what it is?
Well, you know, here's the

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thing. I didn't even know I
was in a triple net lease. I

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had taken over a lease and you
know, I signed it in twenty nineteen.

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I've been in March of twenty twenty
three. He then all of a

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sudden said, hey, we're going
to start charging campy. Yeah, so

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he said, I'm shocked if it
was already in the lease. It wasn't

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there. Thank you, that's the
problem. Wait, wait, what do

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you mean thank you? Are you
saying in the lease it doesn't mention CAM

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fees? It there six and seven
of the leaf. It does. It

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mentions operating fees and CAM fees.
They were never charged, never had to

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deal with any of that. So
he then in March of last year,

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he said, you will now be
paying you know, because you go by

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the square footage of your place,
and you'll I'll now be paying an extra

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sixty dollars for compies. But then
you all also offer it the entire year

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of twenty twenty two. Well,
so hold on, I understand kind of

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where you're going, Wendy, but
let's look at it like this. You

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kind of got lucky. You kind
of got lucky in twenty twenty two.

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He wasn't charging for it if it
was actually in the lease, and I'm

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assuming it's in the lease from what
you just told me. Now we can

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have Bradley O'Brien with O'Brien look over
the contract real quick or the lease and

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see what it actually says, and
we can also discuss with them going back

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in the time. So I don't
mind doing that at all. In fact,

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Kelly, let's get it. Do
you have a copy of that LESO,

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Wendy. I'll need that before anything
I do. I need that sent

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to Kelly. She'll give you the
information. Then we'll get brad On and

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we'll talk about it. But I'm
going to give you my gut right now.

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It's not a legal opinion. But
I've done a lot of commercial leases.

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I have never had one, first
of all, that wasn't triple net,

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that wasn't in a shopping set.
I had an office complex one time

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that was a little different, but
from in a retail environment, and even

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most office environments that triple nets always
in there. You pay the camp charges

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a lot of times, you pay
the property taxes, you pay everything.

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I mean really, you pay everything. In fact, that is exactly what

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he's trying to do. Now,
that's so normal. But that's so normal.

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I think you just got lucky.
But here's what we're going to do.

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We're going to dig into it with
the attorney and find out if you

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have a way out of not paying
it. What's the total amount you're talking

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from twenty two. What he's doing
is going back to twenty nineteen and reconciling

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all of the he's now going to
he's going for twenty nineteen till now and

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wanting all of that money back.
And then he trippled no. But I'm

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asking how much is it? That's
all I'm asking. Well, he just

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invoiced me one for nine hundred and
thirty four dollars for the year prior.

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Okay, well this isn't end of
the world stuff. I mean, I

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00:13:56.759 --> 00:14:00.679
don't know your financial stuff. I'm
just glad you didn't say all sudden uo

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00:14:01.039 --> 00:14:05.360
with property taxes, insurance and whatever
else he's calling Triple Net in camp charges.

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00:14:05.440 --> 00:14:09.600
I mean, I'm just glad it
wasn't five to ten thousand, because

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00:14:09.639 --> 00:14:13.360
some of my stuff on Triple Net
over a year's period will easily be that

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00:14:13.559 --> 00:14:16.480
much. But let's get the attorney
on. I'm going to put you on

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00:14:16.559 --> 00:14:20.159
hold, Kelly, until we get
Brad O'Brien, get her phone number,

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00:14:20.440 --> 00:14:24.399
get whatever we need. More importantly, get that lease over to Brad O'Brien.

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00:14:24.559 --> 00:14:28.840
Then when he has some time to
come on, we're gonna have her

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00:14:28.919 --> 00:14:31.440
and Brad come back up. That
way, we can keep this show groove

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00:14:31.519 --> 00:14:35.840
and one line will be open in
a minute. Three zero three seven,

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00:14:35.919 --> 00:14:39.480
one three eight two five five three
oh three. Martino, guys, Frank

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00:14:39.559 --> 00:14:43.679
Stephanie, do either of you do
leases? I mean, do you guys

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00:14:43.720 --> 00:14:48.120
do commercial property at all? I
don't know. Is it just a completely

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00:14:48.320 --> 00:14:50.679
different deal, it really is.
Yeah, I'm trying to think of what

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00:14:50.879 --> 00:14:56.039
realtor. I think his name was
Jeff. The poor guy passed away.

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00:14:56.080 --> 00:15:00.799
He wasn't even forty years old.
His daughter had to go to He was

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00:15:00.879 --> 00:15:03.960
my realtor before you, Frank Jeff. I can't think of his last name.

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00:15:05.039 --> 00:15:07.559
Jeff Arnold. Great guy. In
fact, anybody out there listening Jeff

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00:15:07.639 --> 00:15:11.320
Arnold our thoughts and prayers. You're
still with your family and yourself. But

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00:15:13.320 --> 00:15:16.679
this poor guy. Listen to this
thirty nine years old man. He comes

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00:15:16.759 --> 00:15:20.200
home, he's got to bring his
daughter to cheer practice or some kind of

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00:15:20.279 --> 00:15:24.840
practice for school. He goes,
I'm going to go lay down, wake

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00:15:24.960 --> 00:15:26.919
me up. In twenty minutes when
we want to go, daughter comes in.

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00:15:28.039 --> 00:15:31.519
He's dead. He had a brain
aneurysm and he had a horrible headache.

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00:15:31.600 --> 00:15:33.799
So now if I ever get a
migraine, I don't get him a

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00:15:33.840 --> 00:15:37.159
lot. But it terrifies me because
that's how I am. I know someone

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00:15:37.240 --> 00:15:41.480
that died, and right before has
died. At the funeral, his wife

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and daughter was saying, yeah,
he came home. He just had the

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worst headache he ever had in his
life. He had to lay down for

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a minute and that was it.
Brain aneurysm, sad eyes and they didn't

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even have heaches, no headaches.
I think I rather go that way because

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00:15:56.679 --> 00:15:58.000
now every time I get a headache, I'm like, I'm going to die.

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All right? Three oh three seven
one, three eight two five five

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00:16:03.600 --> 00:16:07.960
problem? Uh, Dustin, Let's
go to you real quick. Dustin is

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00:16:07.960 --> 00:16:12.559
an outbound. If you call three
oh three Martino anytime when the show is

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00:16:12.720 --> 00:16:15.840
not going on, you can leave
a message. We'll reach back out to

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00:16:15.879 --> 00:16:18.879
you, try to help. And
Dustin is one of those people. You've

243
00:16:18.960 --> 00:16:22.759
got a problem with a customer.
This is kind of we do this all

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00:16:22.799 --> 00:16:26.080
the time, but generally we have
a customer that has a problem with a

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00:16:26.159 --> 00:16:30.799
business. Now we've got the opposite. Dustin, What is wrong with this

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00:16:30.000 --> 00:16:34.399
customer? Yeah? So we did
a job. I own the local small

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00:16:34.480 --> 00:16:38.480
business. We did a job for
a customer and she wrote me a ninety

248
00:16:38.559 --> 00:16:42.440
nine dollars down team at check.
And then after we did the job,

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00:16:42.480 --> 00:16:45.679
which was only like two days later, she wrote me a check for about

250
00:16:45.759 --> 00:16:51.879
fifteen hundred. Well, both checks
bounced and I called the customer and she

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00:16:52.080 --> 00:16:55.679
gave the oh no, I don't
know what happened. Let me call my

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00:16:55.799 --> 00:17:00.720
bank response, and then she immediately
blocked my phone. Wait wait, wait,

253
00:17:00.759 --> 00:17:03.960
wait, hold on, hold on, I want some information on this.

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00:17:04.240 --> 00:17:07.079
First of all, a ninety nine
dollars down payment? What kind of

255
00:17:07.200 --> 00:17:12.559
job are we talking about? It
was a local move. What do you

256
00:17:12.680 --> 00:17:17.440
oh? You were just moving her
from? Okay, well this is going

257
00:17:17.480 --> 00:17:21.720
to be important. Where were you
moving her from? In two? So

258
00:17:21.839 --> 00:17:26.079
I moved her from a Sworde unit
into a town home that she rents.

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00:17:26.000 --> 00:17:30.960
So she rents the town home.
I don't like that. You're not going

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00:17:32.039 --> 00:17:36.640
to be able to lean either of
those properties because she doesn't own it.

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00:17:36.759 --> 00:17:41.839
But you completed the move, correct, We completed the move. You know.

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00:17:41.039 --> 00:17:47.440
I'm thinking about something, Shannon.
You've been listening to this show for

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00:17:47.599 --> 00:17:52.240
how long? Sir? I'm asking
Shannon our board up, and I'm hoping

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00:17:52.279 --> 00:17:57.559
he's going to respond to me.
Shannon. Shannon doesn't seem to want to

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00:17:57.599 --> 00:18:02.000
respond to him. I'll give you
what you yes, go ahead, Dust

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00:18:02.039 --> 00:18:04.039
Small. No, I'm not going
to go to that Small claims yet,

267
00:18:06.240 --> 00:18:08.200
That's not where I'm going to go. What I Here's where I was going

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00:18:08.279 --> 00:18:15.160
to go. How many times do
we get a call from the consumer and

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00:18:15.359 --> 00:18:19.160
the business screwed them over? And
what do we generally do if it gets

270
00:18:19.200 --> 00:18:22.400
really bad? We try to reach
out and talk to people, but we'll

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00:18:22.440 --> 00:18:26.119
give their phone number out. I
have got an idea. I've got an

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00:18:26.160 --> 00:18:30.279
idea how to wake up this lady
that apparently did it. Do you have

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00:18:30.359 --> 00:18:33.720
a copy of those checks that I
can look at so I'm I can make

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00:18:33.799 --> 00:18:37.319
sure you're just not full of crap? Bro? Yeah, can you take

275
00:18:37.359 --> 00:18:40.720
it? I want you to take
a picture of that of the canceled check

276
00:18:40.960 --> 00:18:44.720
or the the bounce check and send
it to Kelly. Let me let me

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00:18:44.920 --> 00:18:48.119
go ahead? What what? What? Go ahead? Dustin? What were

278
00:18:48.160 --> 00:18:51.400
you going to say? Oh?
I was going to say, do I

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00:18:51.599 --> 00:18:55.400
just text that to the Kelly?
No? No, no, Kelly's going

280
00:18:55.440 --> 00:18:56.480
to tell you where to text it. I want to see this check.

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00:18:56.519 --> 00:19:00.440
I want to try something I don't
know if it's ever been done in the

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00:19:00.559 --> 00:19:03.480
history of this show. I want
to blow up a consumer. If this

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00:19:03.720 --> 00:19:06.839
lady doesn't want to talk to us, so you're going to give Kelly her

284
00:19:06.960 --> 00:19:10.400
name, her phone number, We're
going to try to reach her. We're

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00:19:10.440 --> 00:19:12.200
going to try to reach her over
the break and try to get her side

286
00:19:12.200 --> 00:19:15.559
of the story. But if she
tries to ghost or block us, I've

287
00:19:15.599 --> 00:19:23.799
got a few things up my sleeve. Hey, Britt, go with a

288
00:19:23.920 --> 00:19:29.200
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

289
00:19:29.440 --> 00:19:36.200
until you're content. Time for an
insurance check up free, no obligation.

290
00:19:36.279 --> 00:19:40.720
In comparison, call Compass Insurance.
Pay too much your coverage at dozens of

291
00:19:40.759 --> 00:19:42.960
insurance companies find out now three oh
three, seven to seven to one.

292
00:19:44.079 --> 00:19:47.759
Help. You'll think you're his only
customer when you choose Frank durand the real

293
00:19:47.839 --> 00:19:52.400
estate Man dot com to list your
home with Remax Alliance three oh three nine

294
00:19:52.440 --> 00:19:59.000
two zero sixteen twenty two. All
right, three oh three seven one three

295
00:19:59.079 --> 00:20:02.359
eight five five. I'll let you
know when the line's open. We're going

296
00:20:02.400 --> 00:20:06.079
to try an experiment. First of
all, Kelly, did you get that

297
00:20:06.279 --> 00:20:10.000
picture of the bad check from Dustin
yet sending it to you now? And

298
00:20:10.319 --> 00:20:12.400
did you get the phone number and
name of the woman who wrote him the

299
00:20:12.440 --> 00:20:15.400
bad check that he moved? I
did, and I just spoke with her.

300
00:20:15.599 --> 00:20:19.400
She hung up on me. Well, okay, let's go down this

301
00:20:19.599 --> 00:20:22.960
road and tell me how the conversation
went. You were your pleasant self,

302
00:20:23.039 --> 00:20:30.039
I'm sure, and what happened?
I basically told her that we wanted to

303
00:20:30.160 --> 00:20:33.720
get a little bit more of a
clarification on what exactly occurred, and she

304
00:20:33.880 --> 00:20:38.799
immediately hung up on me. And
now she is no longer taking calls from

305
00:20:40.359 --> 00:20:44.160
anything that's going straight to voicemail,
including from my cell phone. Well,

306
00:20:44.240 --> 00:20:49.319
that's very, very interesting. I
have no idea what that horrible screeching is

307
00:20:49.440 --> 00:20:52.960
in my ear, but we have
to take care of that. Now.

308
00:20:52.240 --> 00:20:56.440
Is that a criminal offense? Well? Or just civil? No? No,

309
00:20:56.599 --> 00:20:59.440
no, Actually, well that's a
good question, doc. I think

310
00:20:59.559 --> 00:21:03.359
it is criminal. I think it
is, but I'm not sure people are

311
00:21:03.440 --> 00:21:07.559
actually held to it. I do
believe it is. I wish I could

312
00:21:07.599 --> 00:21:11.279
actually cite what the statute is,
but I can tell you this, a

313
00:21:11.359 --> 00:21:17.559
bad check can be treble damages.
So the good news is here, Dustin.

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00:21:17.599 --> 00:21:19.160
I'm going to bring you back up. I want to ask you a

315
00:21:19.240 --> 00:21:23.519
couple questions and we'll talk about trouble
damages and what that is and why it

316
00:21:23.640 --> 00:21:26.640
applies to you, Dustin. But
I want to ask you, did you

317
00:21:26.839 --> 00:21:30.359
move? Is she going to tell
us? And I read, well,

318
00:21:30.440 --> 00:21:33.279
actually we know she's not gonna tell
us because she hung up on Kelly.

319
00:21:33.680 --> 00:21:38.079
But would she have an argument in
court that you ruin something or what is

320
00:21:38.160 --> 00:21:42.240
her argument? Did she ever tell
you anything? Or she simply just screwed

321
00:21:42.279 --> 00:21:48.319
you? Tell me anything? And
actually get this? She left us a

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00:21:48.400 --> 00:21:52.640
five star review on Google. Well, see this woman, What a piece

323
00:21:52.680 --> 00:21:56.240
of work, What a piece of
work. I don't know what else to

324
00:21:56.720 --> 00:22:00.599
say about it. I want to
look at this check real, I think

325
00:22:00.720 --> 00:22:03.839
Kelly already sent it to me.
Here it is, and it's from Dustin

326
00:22:04.119 --> 00:22:10.839
and sure enough, not sufficient funds
n SF. I'm looking at it.

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00:22:11.039 --> 00:22:15.279
In fact, her name is Yvonne. What is his name, Yvonne Orndorf.

328
00:22:15.440 --> 00:22:18.799
Is that her cracked? Yes?
So one check is for ninety nine

329
00:22:18.880 --> 00:22:26.200
dollars from Yvonne Orndorf or in Dorf. Wow. And then where's the other

330
00:22:26.400 --> 00:22:30.039
check? Oh? Here it is
fourteen hundred and ninety four dollars not sufficient

331
00:22:30.160 --> 00:22:36.440
funds, Yvonne Orndorf. And this
was dated one twenty nine. We're coming

332
00:22:36.519 --> 00:22:40.400
up on a month of this lady
not paying for a move. This guy

333
00:22:40.559 --> 00:22:44.400
claims he did everything, and you
know what, I do this to businesses,

334
00:22:44.640 --> 00:22:48.720
I'm gonna do this to Orndorf.
This is crazy, folks. Here's

335
00:22:48.759 --> 00:22:52.319
what she's doing. She blocks our
number once she called. But if you

336
00:22:52.480 --> 00:22:57.680
guys would be so kind listening to
this show right now to call this joker

337
00:22:57.839 --> 00:23:03.039
Yvonne or in and I really don't
care what her excuse is. Then what

338
00:23:03.200 --> 00:23:06.480
we're gonna do. Let's see if
we can't get her to do the right

339
00:23:06.559 --> 00:23:10.480
thing. Please put up that phone
number, Kelly somewhere on there, Okay,

340
00:23:10.759 --> 00:23:14.599
so I can give out Yvonne or
Endorf's number. And by the way,

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00:23:15.000 --> 00:23:18.680
if you know Yvonne Orndorf, I
would never lend her money. I

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00:23:18.720 --> 00:23:21.799
would never mow her lawn if she
even has a law and I think she

343
00:23:21.920 --> 00:23:26.440
moved into a condo. I wouldn't
do anything where she promises to pay you

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00:23:26.880 --> 00:23:30.400
or even return the favor if she
tells you. If you're a friend of

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00:23:30.559 --> 00:23:34.079
Yvonne Orndorf and this woman tells you, hey, you buy lunch today,

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00:23:34.440 --> 00:23:38.960
I'll buy next time. Most likely
she's lying based upon this past behavior.

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00:23:40.240 --> 00:23:44.599
In fact, I can honestly say
this, I personally think she sucks.

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00:23:44.839 --> 00:23:48.279
I don't know her from anywhere,
but to stiff this guy. Now,

349
00:23:48.359 --> 00:23:51.880
we usually do this to businesses.
If you're new to the show, this

350
00:23:52.119 --> 00:23:55.680
is what we do. But you
know what I have decided now it doesn't

351
00:23:55.720 --> 00:23:59.079
matter if it's a business. It
doesn't really matter if it's a consumer.

352
00:23:59.319 --> 00:24:04.839
When someone pulls some crap like Yvonne
Orndorf just did, then it's crazy.

353
00:24:04.960 --> 00:24:07.839
Now do you know her new address? Because you moved her, didn't you?

354
00:24:08.880 --> 00:24:11.799
Correct? Yeah? You know what
what do they call that? When

355
00:24:11.839 --> 00:24:19.079
all the Democrats and all the Liberals
decided to go camp out at the Supreme

356
00:24:19.240 --> 00:24:23.359
Court justices homes? What do they
call that? It's not called outing,

357
00:24:23.799 --> 00:24:29.759
It's called stockxing. So maybe we
should even go a step further and dockser.

358
00:24:29.839 --> 00:24:33.039
But I'm not going to go that
far because I'm a nice, calm,

359
00:24:33.160 --> 00:24:36.240
cool kind of guy. So what
I would like right now is for

360
00:24:36.400 --> 00:24:41.519
everybody to please call Orndorf and figure
out if she's gonna pay him or not,

361
00:24:41.880 --> 00:24:45.599
because if not, I'm gonna personally
help Dustin. And it's not from

362
00:24:45.640 --> 00:24:51.079
a legal standpoint, but I have
sued through Small Claims Court at minimum fifty

363
00:24:51.160 --> 00:24:53.720
companies. I'm going to help him
when it comes to the paperwork, and

364
00:24:55.000 --> 00:24:57.519
I'm going to show him and get
some legal advice from someone else how to

365
00:24:57.599 --> 00:25:02.759
get treble damages or at least get
a judgment. Then we can really make

366
00:25:02.880 --> 00:25:07.480
this woman's life miserable. The fact
that she did it is absolutely horrible.

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00:25:07.799 --> 00:25:11.240
Now where is that phone number,
Kelly? I am looking everywhere for it,

368
00:25:11.799 --> 00:25:17.279
So I got a scroll over.
Thank you, Yvonne Orndorf, dork

369
00:25:17.640 --> 00:25:25.240
Man or Indorf, Yvonne Orndorf seven
to zero nine eight five fifty six forty

370
00:25:25.319 --> 00:25:27.519
six. How dare you this guy
moved? He spent a lot of money.

371
00:25:27.680 --> 00:25:30.680
Hey, let me ask you something
though, man, Dustin, are

372
00:25:30.759 --> 00:25:37.279
you like a multi millionaire that does
not need the money? No? Okay,

373
00:25:37.279 --> 00:25:40.160
well not at all. I'm a
small business owner. Do you have

374
00:25:40.240 --> 00:25:44.279
a family franchise? So the franchise
takes part of that money? Even if

375
00:25:44.319 --> 00:25:47.160
you don't get paid, you end
up paying the franchise fee, don't you

376
00:25:47.960 --> 00:25:52.039
exact? Exactly? Because I put
that in the system. I paid the

377
00:25:52.079 --> 00:25:56.720
franchise justin. Do you have a
family, Yes, so you've got a

378
00:25:56.799 --> 00:26:02.200
family? Yeah? Oh wife?
And how many daughters? Two daughters and

379
00:26:02.279 --> 00:26:04.480
a wife? And Yvonne, hold
on, I love this. You're a

380
00:26:04.559 --> 00:26:08.759
family man. You're a small businessman, a family man, and this Yvonne

381
00:26:10.279 --> 00:26:14.319
Orndorf decided not to pay you.
In fact, not only did you not

382
00:26:14.480 --> 00:26:18.079
make any profit to put food and
pay your mortgage or pay your rent and

383
00:26:18.279 --> 00:26:22.559
make your life better and your kid's
life better, and your wife's life better.

384
00:26:22.000 --> 00:26:26.759
But you ended up actually losing money
besides your labor because you had gas

385
00:26:26.880 --> 00:26:30.200
involved, you had a franchise fee
involved. I'm not going to belabor this

386
00:26:30.319 --> 00:26:33.359
anymore, but folks, I really
would like your help. I want you

387
00:26:33.480 --> 00:26:37.559
to be polite to her. I
really want to get this guy paid.

388
00:26:37.880 --> 00:26:41.799
This would be the easiest way.
She just steps up to the plate and

389
00:26:41.000 --> 00:26:45.279
pays it. Now, Yvonne Orndorf, if you can't pay the whole thing

390
00:26:45.319 --> 00:26:48.960
at one time, maybe five hundred
now, five hundred next week. You

391
00:26:49.119 --> 00:26:53.160
get the idea. But just to
leave this poor guy in his family high

392
00:26:53.200 --> 00:26:57.000
and drive is a bunch of crap. Please, it is a bunch of

393
00:26:57.079 --> 00:27:00.920
crap. Get this guy paid.
Here's the phone number. Once again,

394
00:27:00.279 --> 00:27:06.920
folks, especially my YouTube listeners,
please call Yvonne and just beggar. Please

395
00:27:06.960 --> 00:27:08.799
pay this guy. He's got two
daughters, a wife, he's got a

396
00:27:08.839 --> 00:27:14.920
franchise fee. He's got to pay. Seven to zero nine eight five five

397
00:27:15.119 --> 00:27:18.880
six four six seven two zero nine
eight five five six four six. Now,

398
00:27:19.000 --> 00:27:22.839
Kelly, I want you to give
him my personal email and I'm going

399
00:27:22.920 --> 00:27:26.799
to send him some paperwork okay,
and kind of help them with the paperwork

400
00:27:26.920 --> 00:27:33.160
side of small claims. And I
will personally go out when Tom is in

401
00:27:33.359 --> 00:27:40.000
studio, I will go out and
serve this Yvonne Orndorff personally right at her

402
00:27:40.079 --> 00:27:42.839
door, and I'll put her all
over Facebook, YouTube and everything else I

403
00:27:42.960 --> 00:27:52.279
got to do. I'm gonna publicly
shamer go with a sure thing Denver's best

404
00:27:52.400 --> 00:28:00.000
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405
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obligation. In comparison, call Compass Insurance

406
00:28:04.680 --> 00:28:08.799
paying too much your coverage at dozens
of insurance companies find out now three oh

407
00:28:08.839 --> 00:28:12.559
three seven seven to one help.
You'll think you're his only customer when you

408
00:28:12.680 --> 00:28:17.799
choose Frank durand the real estate Man
dot com to list your home with Remax

409
00:28:17.880 --> 00:28:27.160
Alliance three oh three nine two zero
sixteen twenty two right three oh three seven

410
00:28:27.240 --> 00:28:33.720
one three eight two five five.
We have got one line open and anybody

411
00:28:33.799 --> 00:28:37.559
that did reach out to Yvonne,
I would love to hear what she had

412
00:28:37.640 --> 00:28:40.759
to say for you. I'm gonna
stick with this guy and hopefully we can

413
00:28:40.799 --> 00:28:44.880
get them paid. My fear is
this woman has zero money and she's what

414
00:28:45.000 --> 00:28:49.079
I refer to as judgment free.
She probably has a social Security check that

415
00:28:49.200 --> 00:28:53.000
comes in, but you know what, if she plays canastas somewhere, we

416
00:28:53.119 --> 00:28:56.960
can always show up and make her
life with just a little bit better.

417
00:28:56.279 --> 00:28:59.920
I mean, I find it crazy. She ripped this guy off for over

418
00:29:00.160 --> 00:29:03.559
fifteen hundred dollars. He goes out
there and moves or you guys get it.

419
00:29:03.680 --> 00:29:07.119
One line open three oh three seven
one three eight two five five.

420
00:29:07.200 --> 00:29:10.200
Hey, Kelly, come on air
real quick. I want to ask you

421
00:29:10.319 --> 00:29:15.640
about something. Yesterday we had Mister
Appliance. You remember this one. I

422
00:29:15.720 --> 00:29:21.200
would like that caller back up because
I reached out personally to the higher up

423
00:29:21.319 --> 00:29:26.799
the hierarchy of the Mister Appliance franchise, people at the top, the pooh

424
00:29:26.160 --> 00:29:30.839
the what is it called, what
was Flintstone, mister pooh Bah or whatever

425
00:29:30.920 --> 00:29:33.759
it was, And I want to
see if they reached out to this guy,

426
00:29:33.160 --> 00:29:37.839
because if not, we've got to
start talking about mister Appliance. I'm

427
00:29:37.920 --> 00:29:41.880
sick and tired of forgetting about stuff
a day after we do it. I

428
00:29:41.000 --> 00:29:45.359
want to start sticking to people like
glue or like a stink on you know

429
00:29:45.480 --> 00:29:48.440
what I'm saying. Now, I'll
get try I'll try to get Tom Backer.

430
00:29:48.480 --> 00:29:51.400
Who should I go to? Now? I'm going to go to Leela.

431
00:29:51.519 --> 00:29:55.519
She's been reading the long tes Lila, what is going on with you?

432
00:29:55.640 --> 00:29:57.279
It says you have an electric issue? What is that? Lila?

433
00:30:00.799 --> 00:30:07.160
Lilah? Hi there, Hey,
Lilah, what's going on the issue with

434
00:30:07.240 --> 00:30:11.839
a Mini Cooper that has been sitting
on the side of my house now for

435
00:30:11.319 --> 00:30:15.240
nine going on ten months? Where? Okay, hold on, it says

436
00:30:15.279 --> 00:30:19.759
here was this a recall? Let's
just start from scratch. It is a

437
00:30:19.880 --> 00:30:23.880
recall. It was a recall,
Lilah. Hold on, let me ask

438
00:30:23.920 --> 00:30:27.000
some questions, which is simple yes
and no. So when we say it's

439
00:30:27.039 --> 00:30:32.519
a recall, if I call up
a Mini Cooper dealer or a BMW dealer

440
00:30:32.599 --> 00:30:36.480
or whoever deals with these things,
they're going to acknowledge the problem you have

441
00:30:36.720 --> 00:30:41.160
is a recall. Yeah, okay, get a letter right here day to

442
00:30:41.279 --> 00:30:44.319
July twenty twenty three. Okay,
go ahead. What does it say?

443
00:30:44.400 --> 00:30:48.359
Without belaboring the point, what is
the thing say? You know? Important

444
00:30:48.400 --> 00:30:53.000
safety recall. If you are not
only the drivers of this vehicle, please

445
00:30:53.039 --> 00:30:56.960
advise all other drivers and passengers.
So they're telling you hold on, they're

446
00:30:57.000 --> 00:31:02.599
telling you not to drive it for
whatever reason. You know. I was

447
00:31:02.720 --> 00:31:07.440
actually told before I got the letter
that I could drive it, Lila.

448
00:31:07.599 --> 00:31:10.759
All I care about is what does
that letter say? Does it say you

449
00:31:11.119 --> 00:31:15.440
nor any other driver? No,
it says if you are not the only

450
00:31:15.559 --> 00:31:19.440
driver of this vehicle, please advise
all other drivers and passengers of this important

451
00:31:19.480 --> 00:31:22.920
information. Is okay, but it
doesn't, Lilah. Listen, this isn't

452
00:31:23.000 --> 00:31:26.279
a trick, ye. I just
want to know if it's drivable or not

453
00:31:26.400 --> 00:31:33.680
according to the letter. Well it
doesn't say okay, that means it's that's

454
00:31:33.720 --> 00:31:37.240
fine. That means most likely it's
drivable. So well, control module,

455
00:31:37.440 --> 00:31:41.240
okay, Liilah. So now let's
move on to the next point. What

456
00:31:41.480 --> 00:31:47.599
dealership was the last one that looked
at it? I haven't had a dealership

457
00:31:47.640 --> 00:31:51.119
look at it in a while.
Well, okay, then, then what's

458
00:31:51.200 --> 00:31:53.000
going on with it? I'm now
I'm totally lost. Go ahead, So

459
00:31:53.119 --> 00:31:59.400
what's this very second? What is
your problem? My car has been sitting

460
00:31:59.440 --> 00:32:01.880
on the side of my house for
nine months? Okay? And why and

461
00:32:02.079 --> 00:32:07.440
why isn't it at a dealership to
get fixed? Under that recall because there's

462
00:32:07.480 --> 00:32:10.839
no remedy. What do you mean
there's no remedy. They don't have that

463
00:32:12.079 --> 00:32:17.720
part. Remedy is unavailable. I
can send you the letter, the letters

464
00:32:17.759 --> 00:32:22.240
from twenty twenty three. Here's what
I want you to send me, Deputy

465
00:32:22.319 --> 00:32:24.759
Doc. I want you to get
on this very quick. It's pretty simple.

466
00:32:25.640 --> 00:32:30.440
I don't care what dealership you call. In fact, I don't know.

467
00:32:30.559 --> 00:32:35.000
There's a Mini Cooper down off C
four seventy. I think it might

468
00:32:35.759 --> 00:32:37.920
I think it might be shop.
I don't care what I'm having. Do

469
00:32:38.119 --> 00:32:42.880
me a favorite look and the one
that seems like a company we don't get

470
00:32:42.880 --> 00:32:45.319
a lot of calls on. Call
them up. You need to talk to

471
00:32:45.799 --> 00:32:49.920
Yvonne. I'm sorry, you don't
know Lilah. In fact, I'm not

472
00:32:50.000 --> 00:32:52.799
even going to have you do that. Kelly. I need her vin number

473
00:32:52.920 --> 00:32:54.920
and that letter, a picture of
it, and I need you to get

474
00:32:54.960 --> 00:33:00.400
it to Doc asap and Doc's email
you call up. I want to know

475
00:33:00.480 --> 00:33:05.000
what the hell's going on with this
BMW or this whatever it's called a mini.

476
00:33:05.759 --> 00:33:07.920
I want to know exactly what's going
on with it. Do they not

477
00:33:08.119 --> 00:33:12.759
have a remedy? Is it just
a safety recall? That has to be

478
00:33:12.880 --> 00:33:15.759
done. Can she drive the vehicle? I just want to know what the

479
00:33:15.799 --> 00:33:19.440
hell's going on. But if it
truly has been like a year, that's

480
00:33:19.559 --> 00:33:22.880
crazy. I can't believe BMW.
And the reason I keep saying BMW,

481
00:33:22.359 --> 00:33:25.519
my understanding is a own Mini Cooper. In fact, I'm pretty sure of

482
00:33:25.599 --> 00:33:29.880
it. So, Lila, I
want you to hold tight. Kelly's gonna

483
00:33:29.920 --> 00:33:34.160
pick up. She's gonna email Doc
that information, and Doc go figure out

484
00:33:34.200 --> 00:33:37.000
what the hell's going on with this
man. I mean, this can't be

485
00:33:37.119 --> 00:33:38.960
that hard. I mean, why
is it just sitting? Is she not

486
00:33:39.079 --> 00:33:43.480
allowed to drive it? Is she
feeding into this? I want to know

487
00:33:43.559 --> 00:33:46.160
the real skinny, all right?
Three O three seven one three A two

488
00:33:46.279 --> 00:33:50.720
five five real quick, and then
we're gonna take a break. Steve talk

489
00:33:50.839 --> 00:33:52.440
to you, Vonne. I can't
wait to hear from you. Steve.

490
00:33:52.559 --> 00:33:58.079
Please hold over the break, Go
with a sure thing Denver's best roofer Excel

491
00:33:58.200 --> 00:34:05.559
roofing dot com. You don't pass
until you're content. Time for an insurance

492
00:34:05.680 --> 00:34:08.719
check up free, no obligation.
In comparison, call Compass Insurance. Pay

493
00:34:08.800 --> 00:34:13.880
too much your coverage at dozens of
insurance companies find out now three oh three

494
00:34:14.039 --> 00:34:16.800
seven seven to one help. You'll
think you're his only customer when you choose

495
00:34:16.840 --> 00:34:22.239
Frank durand the real estate man dot
com to list your home with Remax Alliance

496
00:34:22.519 --> 00:34:35.559
three oh three nine two zero sixteen
twenty two. Ripped news. You don't

497
00:34:35.639 --> 00:34:43.599
have come. Run as fast as
you can. Shooter's gonna help. Come.

498
00:34:44.199 --> 00:34:49.639
Man, This is the Troubleshooter Show. No Tom Mark. We to

499
00:34:49.840 --> 00:34:51.920
the show, my friends, the
only show off. It's kind. You're

500
00:34:51.920 --> 00:34:54.320
here to solve problems, answer your
questions, take complaints. If you're new

501
00:34:54.440 --> 00:34:58.440
to the show, it's pretty simple. You got a problem. Maybe a

502
00:34:58.519 --> 00:35:01.880
contractor ripped you off, or maybe
you just need advice on what contractor do

503
00:35:02.000 --> 00:35:06.119
use so you don't get ripped off. Those are some of the best calls

504
00:35:06.159 --> 00:35:08.320
too, when we can actually educate
people. But it doesn't matter. In

505
00:35:08.400 --> 00:35:13.320
fact, we prove last hour.
It doesn't matter if it's just a contractor

506
00:35:13.360 --> 00:35:16.480
if you have a consumer. If
you're a business and a consumer wrote you

507
00:35:16.519 --> 00:35:22.280
a bad check, like you von
Orndorf, Yes you have von Orndorf.

508
00:35:22.280 --> 00:35:24.360
I'm still calling you out. I
hope people tell us she's on the radio

509
00:35:24.400 --> 00:35:28.760
when you call her phone number.
This poor guy that owns a franchise,

510
00:35:28.880 --> 00:35:32.280
a small intown moving company. In
fact, I've heard of the franchise before.

511
00:35:32.480 --> 00:35:37.079
It is called College Hunks. So
he owns a franchise. The owner

512
00:35:37.199 --> 00:35:39.800
is Dustin Hughes. He called into
the show and Dustin says, you know,

513
00:35:40.599 --> 00:35:45.199
this woman bounced not only the ninety
nine dollars down payment check for me

514
00:35:45.320 --> 00:35:50.519
to move her from one location to
another, but then the fifteen hundred dollars

515
00:35:50.599 --> 00:35:53.280
one, which was the entirety of
the move she bounced. And by the

516
00:35:53.280 --> 00:35:57.800
way, that's a hell of a
good price, Dustin. If you lived

517
00:35:57.840 --> 00:36:00.920
where my son is in Nebraska,
I'd hire you for him right now.

518
00:36:00.199 --> 00:36:04.559
That is a very good price on
a local move in town. I love

519
00:36:04.639 --> 00:36:08.199
what you're doing there. But for
this lady just to cancel both those checks,

520
00:36:08.239 --> 00:36:14.000
they sent me proof sure enough,
not sufficient funds. So I asked

521
00:36:14.039 --> 00:36:17.679
our callers last hour to go to
the phones and do what you guys do

522
00:36:17.880 --> 00:36:22.000
best. Call her up, be
nice and ask her if she's gonna pay.

523
00:36:22.559 --> 00:36:25.239
In fact, you have vonn Orndorf's
phone number is seven two zero nine

524
00:36:25.320 --> 00:36:31.480
eighty five fifty six forty six.
If myself, along with all the callers

525
00:36:31.920 --> 00:36:36.960
and all the listeners right now can't
get Yvonne to do the right thing.

526
00:36:37.440 --> 00:36:39.960
I'm gonna personally help this guy to
take her to small claims court, not

527
00:36:40.039 --> 00:36:45.039
in a legal way, but you
know where to get the paperwork, how

528
00:36:45.079 --> 00:36:46.519
to filled out. I'll help them
where I can help them. But he

529
00:36:46.639 --> 00:36:51.920
can go after trouble damages. If
you write and cancel or give a bad

530
00:36:52.079 --> 00:36:55.480
check in Colorado and don't make it
right, you can get trouble damages.

531
00:36:55.559 --> 00:36:59.840
She's going to end up owing them
around forty five hundred dollars. Now.

532
00:37:00.159 --> 00:37:05.639
I bring this up because Steve actually
reached out to Yvonne and talked to her,

533
00:37:05.679 --> 00:37:08.280
and I'm dying to see what he
has to say. But first I

534
00:37:08.440 --> 00:37:14.519
have to tell you something that's important. Paul the waterman the best for less.

535
00:37:14.960 --> 00:37:16.360
I'm going to tell you something about
Paul. He came out to our

536
00:37:16.440 --> 00:37:22.599
house three weeks ago and quoted me
on a complete system and the price was

537
00:37:22.679 --> 00:37:27.880
unbelievable. I have shopped these before. I was all in it for twenty

538
00:37:27.920 --> 00:37:30.159
five hundred bucks for the softener.
I had other companies come out. It

539
00:37:30.360 --> 00:37:35.480
was five six grand for the size
of our house twenty five hundred dollars and

540
00:37:35.599 --> 00:37:39.239
we absolutely loved the system. I
say it is. You plug it in

541
00:37:39.440 --> 00:37:43.440
and you forget it. I got
to add salt, I guess every six

542
00:37:43.559 --> 00:37:46.760
months, and there's like a timer
setup for that. It is absolutely one

543
00:37:46.800 --> 00:37:52.639
of the best softening systems. The
price is unbelievable and Paul will come out

544
00:37:52.679 --> 00:37:55.719
and do the same for you.
Threeho three eight six y two fifty five

545
00:37:55.920 --> 00:38:00.760
fifty four. That's Waterpros dot Net. Great guys, once again a company

546
00:38:00.840 --> 00:38:05.079
I actually use and I paid them. You're going to get the same deal

547
00:38:05.199 --> 00:38:07.880
twenty five hundred bucks, maybe even
a little cheaper, depending on the size

548
00:38:07.920 --> 00:38:10.800
of your house. And it's simple
as that. I want you to call

549
00:38:10.880 --> 00:38:15.360
Tom up now, Steve. I'm
dying to know. I hope you talked

550
00:38:15.400 --> 00:38:17.559
to Yvonne or did she just hang
up on you like she did us.

551
00:38:20.000 --> 00:38:22.559
No, she didn't. I asked
her if it was Yvonne, and she

552
00:38:22.760 --> 00:38:27.360
said, who's this And I told
her my name and told her I heard

553
00:38:27.360 --> 00:38:29.480
about her on the radio. I
said, I'm out here in New York

554
00:38:29.599 --> 00:38:34.280
now and said I'm hearing on you
on the radio. And because that's is

555
00:38:34.400 --> 00:38:37.760
crazy how people are lying about me. And I said, well, I

556
00:38:37.800 --> 00:38:39.360
said, it sounds like you wrote
a couple of bad checks with what they're

557
00:38:39.400 --> 00:38:43.679
saying, and he goes, yeah, I'm going to get my lawyer to

558
00:38:43.800 --> 00:38:46.760
write a sease and desist. I
don't know what good that's going to do.

559
00:38:46.840 --> 00:38:50.199
I said, But I said,
why don't you just say to Day

560
00:38:50.280 --> 00:38:52.559
what you owe him? And she
goes, yeah, yeah, maybe I'll

561
00:38:52.599 --> 00:38:55.119
do that. But that's that's kind
of all. Well, did she ask

562
00:38:55.199 --> 00:39:01.039
Steve? Did she actually say maybe
she'd pay him? She him had she

563
00:39:01.119 --> 00:39:04.639
didn't? You know how when you
accused someone of something or not, they

564
00:39:04.719 --> 00:39:07.639
didn't do they get kind of indignant? Yeah, she never got that.

565
00:39:07.880 --> 00:39:10.360
She never got that way. It
was. She sounded scared. Well,

566
00:39:10.440 --> 00:39:15.440
I'm staring at her checks. I
mean I'm literally staring at her check.

567
00:39:15.559 --> 00:39:19.880
She definitely wrote two bad checks.
Yeah, that's I was sure that.

568
00:39:20.159 --> 00:39:23.039
Yeah, it's crazy. Yeah.
She sounded like she said, I'll be

569
00:39:23.079 --> 00:39:27.239
getting all these phone calls And I
said, well, why don't you just

570
00:39:27.320 --> 00:39:30.360
pay the guy with jo him?
And she goes, Okay, I can't

571
00:39:30.480 --> 00:39:35.199
understand Steve. First of all,
I appreciate it. What do you listen

572
00:39:35.280 --> 00:39:38.159
to us? Do you listen to
us on YouTube or the iHeart app ow?

573
00:39:38.880 --> 00:39:42.639
Yeah? Yeah, iHeart yep and
what And by the way, for

574
00:39:42.760 --> 00:39:45.880
anybody out there, the iHeart app
is another great way. You can go

575
00:39:45.000 --> 00:39:49.840
to YouTube dot com type and Troubleshooter
her network not only listen to us,

576
00:39:49.920 --> 00:39:52.079
but you can watch us live right
now. And on top of that,

577
00:39:52.239 --> 00:39:55.920
during the breaks you can hear what
we're talking about that doesn't go out over

578
00:39:55.960 --> 00:39:59.920
the air. That's one of the
cool parts about YouTube. But the iHeart

579
00:40:00.280 --> 00:40:02.079
if you're in the car, is
unbelievable. I use it all the time.

580
00:40:02.440 --> 00:40:07.880
And it's not just our program,
it's basically podcasts. In every iHeart

581
00:40:07.960 --> 00:40:12.639
show across the country you can listen
to no matter where. So if you

582
00:40:12.719 --> 00:40:15.559
love the Troubleshooter Show, which you
should, you should listen to us everywhere

583
00:40:15.559 --> 00:40:19.480
in the country. Hey Steve,
I appreciate it. Man, you're a

584
00:40:19.559 --> 00:40:23.760
great guy. I'm glad you helped
out And hopefully that call will spark a

585
00:40:23.840 --> 00:40:29.719
little common sense into Yvonne to pay
the guy. Yvonne, you could have

586
00:40:29.800 --> 00:40:31.800
at least talked to us and said, well, he scratched this or did

587
00:40:31.880 --> 00:40:36.840
that, but there is no complaints. You simply didn't pay him. How

588
00:40:37.039 --> 00:40:42.719
dare you just not pay them?
Yvonne it's crazy. It's really crazy,

589
00:40:43.280 --> 00:40:45.880
all right, three three seven one
three A two five five. Stephanie Thomas,

590
00:40:45.960 --> 00:40:51.320
listen, we're gonna we've gotten a
we've got to follow up on mister

591
00:40:51.440 --> 00:40:53.920
Appliance, and I'm gonna bring Tom
up in a minute. I'm hoping they

592
00:40:54.000 --> 00:40:57.679
reached out to him. I'll tell
you really quick, And I got a

593
00:40:57.760 --> 00:41:00.199
question for you, Stephanie. But
this guy called yesterday, Tom. He

594
00:41:00.320 --> 00:41:06.679
paid seventy five no, I'm sorry, sixty seven hundred dollars to mister Appliance

595
00:41:06.719 --> 00:41:10.239
of Parker. There's lots of locations
for mister Appliance. They could not fix

596
00:41:10.360 --> 00:41:15.880
it. Then they started ghosting them. Another company came out and fixed the

597
00:41:15.000 --> 00:41:21.280
actual issue with his Viking refrigerator and
they charged him four or five grand.

598
00:41:21.480 --> 00:41:24.199
Said mister Appliance used the wrong parts, did nothing right. I mean,

599
00:41:24.280 --> 00:41:30.119
the whole thing was just baffling how
bad mister Appliance seemed to do this job.

600
00:41:30.559 --> 00:41:35.119
So I reached out to some of
the people higher up in the organization

601
00:41:35.320 --> 00:41:38.960
that control the franchisees. And I'm
really hoping Tom's got a good update that

602
00:41:39.079 --> 00:41:43.519
someone reached out. But we're going
to find out about that. But Stephanie

603
00:41:43.639 --> 00:41:47.400
mentioned something and I would like to
get Hey, Kelly, I would like

604
00:41:47.519 --> 00:41:53.840
to get Compass on Jeremy next segment. This is so important for anybody buying

605
00:41:53.920 --> 00:41:57.239
the house. Frank, tell me
if this has happened to you, by

606
00:41:57.280 --> 00:42:01.320
the way, Stephanie Thomas, realtoric
Jordanaire in the Pike's Peak region. Frank

607
00:42:01.400 --> 00:42:06.159
Duran, the real estate man Denver
Metro reason. I've known both these guys

608
00:42:06.239 --> 00:42:09.000
for well over ten years. Stephanie
twenty five. Some of the best realtors

609
00:42:09.039 --> 00:42:12.679
out there, the best, and
we're going to talk some secrets there.

610
00:42:13.079 --> 00:42:16.880
But you at a client. The
financing fell through, right, Our financing

611
00:42:16.920 --> 00:42:22.639
didn't fall through. What happened is
when we were lining up our buyers home

612
00:42:22.719 --> 00:42:28.719
insurance for the home they were purchasing. The actually Compass required my buyer's home

613
00:42:28.800 --> 00:42:34.679
inspection report to provide to the insurance
underwriters, which ultimately ended up declining our

614
00:42:34.719 --> 00:42:37.360
first policy. We had to find
another provider. Now, Frank, has

615
00:42:37.400 --> 00:42:40.800
that ever happened to you yet?
I've seen it. I haven't run into

616
00:42:40.800 --> 00:42:44.960
a whole lot of that though,
Mark on my side of this, but

617
00:42:45.400 --> 00:42:49.480
I think the biggest struggle I've been
seeing is with condominiums that have penning lawsuits

618
00:42:49.559 --> 00:42:52.320
or a big special most impossible.
It's tough. I mean it could you

619
00:42:52.320 --> 00:42:55.719
get done. But think about this. You're I'm looking for a house,

620
00:42:57.320 --> 00:43:00.199
Frank, You've helped me buy homes. So let's pretend we're going back to

621
00:43:00.320 --> 00:43:05.239
my Frank townhouse. I had plumb
line out there to look at the electrical

622
00:43:05.599 --> 00:43:08.320
I had everything you could imagine.
I didn't just hire a home inspector,

623
00:43:08.400 --> 00:43:13.360
which I did, but I also
hired private people in their own industry to

624
00:43:13.440 --> 00:43:20.280
look including a foundation guy. So
imagine this. That inspector works for me

625
00:43:20.480 --> 00:43:22.760
because I hire him. Right.
I talk to the inspector and I go,

626
00:43:22.880 --> 00:43:27.320
look, I need to negotiate this
house down. So I you know,

627
00:43:27.519 --> 00:43:30.199
I don't want you to lie,
but I want you to point out

628
00:43:30.239 --> 00:43:34.639
every single flaw there is here so
I can go back hand it to Frank,

629
00:43:34.760 --> 00:43:37.840
my real estate agent, and he
can go try to get me the

630
00:43:37.920 --> 00:43:40.760
price. So typically that is how
it works. I'm not saying these guys

631
00:43:40.920 --> 00:43:45.239
lie, these inspectors, but they're
working for me the buyer, and they're

632
00:43:45.280 --> 00:43:49.840
going to point out every nook and
cranny that's wrong if I ask them to

633
00:43:49.880 --> 00:43:52.320
do that correct, Right, Mark, But I tell you what you did

634
00:43:52.440 --> 00:43:55.559
was very smart. You had other
people who specialized in those areas like that.

635
00:43:55.800 --> 00:43:59.880
Yeah, that I thought was.
But beyond that, I still have

636
00:44:00.159 --> 00:44:02.840
that inspector write up the full report. That's right. Then you went to

637
00:44:02.960 --> 00:44:07.679
the other people and said, hey, we need to get a lot off

638
00:44:07.760 --> 00:44:10.599
of this price you're asking because here's
the reasons. Now. What's happening though,

639
00:44:10.760 --> 00:44:15.159
is if that was me and I
had to finance the home. If

640
00:44:15.239 --> 00:44:17.880
I had to finance it, yeah, I might have got turned down because

641
00:44:17.960 --> 00:44:23.239
they want to see that inspection that
nitpicks it. That's crazy. Yeah,

642
00:44:23.400 --> 00:44:27.800
I've never heard of that before,
Stephanie. Ever, it was the first

643
00:44:27.840 --> 00:44:30.960
one I've run across that actually required
the report. Yeah, because, like

644
00:44:30.039 --> 00:44:34.400
you said, the inspectors they are
supposed to call out all the things they

645
00:44:34.440 --> 00:44:37.440
observe. Well, is Brent Ivenson
up? We'll bring him back up,

646
00:44:37.519 --> 00:44:39.480
but I want to ask him this
in a few minutes. Now, do

647
00:44:39.719 --> 00:44:45.599
lenders do that a lot? Guys? So do lenders ever request that that

648
00:44:45.039 --> 00:44:50.320
that form or that inspection report?
So, Mark, the buyer is supposed

649
00:44:50.360 --> 00:44:55.679
to share their inspection objection to the
lender. And the biggest red flags icy

650
00:44:55.760 --> 00:44:59.039
I don't know about you, Stephanie, but the biggest red flags ice here,

651
00:44:59.079 --> 00:45:00.960
Like let's say we get a fa
VA, they might red flag a

652
00:45:01.000 --> 00:45:05.039
cracked window or some ship paint.
Of these safety issues, those health and

653
00:45:05.079 --> 00:45:07.320
safety issues are the biggest thing.
You're not seeing stuff like furnace is fifteen

654
00:45:07.400 --> 00:45:10.519
years old, roof's only got two
years left. I mean, that kind

655
00:45:10.559 --> 00:45:14.519
of stuff is where if I was
a lender, to me, that would

656
00:45:14.559 --> 00:45:16.639
be more important than a cracked window. I mean, honest to god,

657
00:45:17.719 --> 00:45:22.159
it would be. I don't even
understand why that's so backwards. But we'll

658
00:45:22.239 --> 00:45:23.840
we'll, we'll talk more about that. Three oho three seven one, three

659
00:45:23.880 --> 00:45:27.840
eight two five five. Hey,
Tom, Betsy, Roger, you guys,

660
00:45:27.880 --> 00:45:30.800
hang on. We have one line
open, folks, if you've been

661
00:45:30.880 --> 00:45:32.840
ripped off or just have a question, need some help in any way,

662
00:45:34.639 --> 00:45:37.239
We want to help. Three zero
three Martino and once again, that number

663
00:45:37.320 --> 00:45:40.960
works on and off the air,
and please join us right now on YouTube.

664
00:45:42.440 --> 00:45:45.760
Type in Troubleshooter Network you'll find the
live stream show. We do it

665
00:45:45.880 --> 00:45:49.440
every single day. We've done it
for four or five years. We love

666
00:45:49.480 --> 00:45:57.039
you. Hold on, go with
a sure thing Denver's Best roofer Excel roofing

667
00:45:57.159 --> 00:46:02.639
dot com. You don't pay a
cent until you're content. Time for an

668
00:46:02.639 --> 00:46:07.280
insurance check up free, no obligation. In comparison, call Compass Insurance paying

669
00:46:07.320 --> 00:46:12.400
too much your coverage at dozens of
insurance companies find out now three oh three

670
00:46:12.559 --> 00:46:15.320
seven seven to one help. You'll
think you're his only customer when you choose

671
00:46:15.360 --> 00:46:20.760
Frank durand the real estate Man dot
com to list your home with Remax Alliance

672
00:46:21.000 --> 00:46:28.039
three all three nine two zero sixteen
twenty two. All right, folks,

673
00:46:28.039 --> 00:46:30.320
three oh three seven one three eight
two five five, you've been ripped off

674
00:46:30.360 --> 00:46:35.159
taking advantage of just need help.
You can reach out now one line open

675
00:46:35.760 --> 00:46:39.360
three zero three Martino three oh three
seven one three A two fivey five.

676
00:46:40.440 --> 00:46:45.159
Now this poor guy's been holding forever. Tom, please hang with me.

677
00:46:45.239 --> 00:46:50.400
I'll bring you up next. Roger. We're gonna dig into that smart meter

678
00:46:51.079 --> 00:46:53.440
right now. What is going on
with this smart meter? And what is

679
00:46:53.559 --> 00:46:59.400
the problem? Roger, I can't
stand those things. I personally think Excel

680
00:46:59.760 --> 00:47:01.239
put the Oki doke on all of
us, because you know what they're going

681
00:47:01.320 --> 00:47:06.199
to start doing. They're going to
start shifting around that time right now on

682
00:47:06.320 --> 00:47:07.920
a smart meter. If you use
it. What in the middle of the

683
00:47:08.039 --> 00:47:13.559
night you pay X amount for electricity. If you use it doing primetime,

684
00:47:13.639 --> 00:47:17.400
which is generally in the evening,
you pay a top dollar. But they

685
00:47:17.480 --> 00:47:22.000
can move that around at anytime.
They might just start arbitrarily charging more for

686
00:47:22.079 --> 00:47:25.400
the hell of it, and we
all know the Colorado PUC just goes for

687
00:47:25.519 --> 00:47:29.719
it. All Excel has to do
is say, can we raise prices?

688
00:47:29.960 --> 00:47:32.400
And the PUC says, sure you
can. But Roger, what's going on?

689
00:47:34.840 --> 00:47:37.239
Well, I live in Birth of
Colorado and next month they're going to

690
00:47:37.280 --> 00:47:42.719
start changing out our electrical meters to
these smart meters, and then if you

691
00:47:42.840 --> 00:47:46.000
decide to opt out, they're going
to charge us a twenty three dollars eighty

692
00:47:46.039 --> 00:47:52.039
four cents a month extra charge.
Well, I'm telling you I'd pay the

693
00:47:52.119 --> 00:47:54.880
extra money, is it, Excel? Yeah, see, I'll tell you

694
00:47:54.960 --> 00:47:59.519
why they can justify that. I
still think it's crap because they've been doing

695
00:47:59.559 --> 00:48:01.719
it forever. If anything, if
you get the smart meter, they should

696
00:48:01.719 --> 00:48:06.199
give you the discount because now they
don't have to send people out to read

697
00:48:06.280 --> 00:48:08.480
the meter. So that's how they're
justifying it. They're saying, if you

698
00:48:08.559 --> 00:48:13.480
don't switch to the smart meter,
we still have to send somebody out.

699
00:48:13.519 --> 00:48:16.320
But they've been doing that on the
old pricing anyhow, so it's just another

700
00:48:16.440 --> 00:48:21.239
flim flam, it really is.
Excel are the same people that sell those

701
00:48:21.360 --> 00:48:25.360
warranties for your appliances in your house
that never pay anything. I personally can't

702
00:48:25.400 --> 00:48:29.679
stand Excel. I'm glad I'm on
a co op, but Excel, like

703
00:48:29.800 --> 00:48:32.599
I said, anytime they want to
raise prices, the PUC seems to go

704
00:48:32.719 --> 00:48:36.519
along with them. And then on
top of that, Roger, here's what

705
00:48:36.639 --> 00:48:39.400
I can't stand about these smart meters. And I already said it. They

706
00:48:39.480 --> 00:48:45.320
can arbitrarily just change when they're billing
you the high amount. If they start

707
00:48:45.400 --> 00:48:49.920
seeing more people are using more electricity
between ten and four, they're gonna charge

708
00:48:49.960 --> 00:48:52.840
you more for it between ten and
four. Eventually, they're just gonna charge

709
00:48:52.880 --> 00:48:57.760
you the highest rate for everything,
in my opinion, and the PUC will

710
00:48:57.800 --> 00:49:00.000
say, oh, that's okay,
we love EXCEL. I personally think they

711
00:49:00.079 --> 00:49:04.039
grease the pockets over there. But
who am I to say? That's just

712
00:49:04.199 --> 00:49:07.559
my own theory. But Roger,
if your question is whether to go with

713
00:49:07.679 --> 00:49:09.559
it or not, I wouldn't go
with it no way, man. They're

714
00:49:09.599 --> 00:49:14.000
going to track all everything you do
they can track on that smart meter.

715
00:49:15.280 --> 00:49:16.480
Well, do you think it would
be worth a twenty three dollars and eighty

716
00:49:16.519 --> 00:49:20.760
four cents to pay extra per month? I do? I do, because

717
00:49:20.760 --> 00:49:22.559
I don't think you're gonna end up
paying extra. I think you're gonna end

718
00:49:22.679 --> 00:49:27.239
up paying less. The other decision
most likely you're going to have to make.

719
00:49:27.320 --> 00:49:30.119
I'm not sure about Berthed, but
in most areas Excel is do you

720
00:49:30.239 --> 00:49:34.719
want to go with the flat rate
billing to where you pay the same price

721
00:49:35.239 --> 00:49:39.360
for electricity every hour of the day, or do you want the billing where

722
00:49:39.400 --> 00:49:45.159
you pay more money during the high
time and less money during the low time.

723
00:49:45.519 --> 00:49:49.519
And I think if people start doing
the math, if they pay the

724
00:49:49.639 --> 00:49:54.119
same amount per hour all all time, every day, every hour, they

725
00:49:54.239 --> 00:50:00.559
actually end up paying less. Yeah, okay, until but that's the problem

726
00:50:00.599 --> 00:50:02.239
with Excel. They're not going to
tell you call them up and say,

727
00:50:02.320 --> 00:50:07.000
well, you know, you guys
have been billing me for fifteen years or

728
00:50:07.079 --> 00:50:08.800
ever long you've been what's going to
be better for me? They're going to

729
00:50:08.840 --> 00:50:12.360
tell you the smart meter, smart
meter, smart meter. We love the

730
00:50:12.400 --> 00:50:15.000
smart meter. God, I have
the smart meter, smart meter, smart

731
00:50:15.039 --> 00:50:19.119
meter, Okay, that's pretty much
what I needed to know. Yeah,

732
00:50:19.480 --> 00:50:22.360
you know, it's just my opinion. Ask your neighbors and stuff. And

733
00:50:22.480 --> 00:50:24.639
here's the deal. When you decide
on that billing, Roger, when you

734
00:50:24.800 --> 00:50:30.159
actually decide on the billing, you
can always change it. You can go

735
00:50:30.280 --> 00:50:34.880
to your neighbors that maybe opt in
for the billing that's high and low and

736
00:50:35.000 --> 00:50:37.559
see where their electric comes in.
But if you're at home or work from

737
00:50:37.599 --> 00:50:42.440
home and you want your air conditioner
on in the evening when it's hot as

738
00:50:42.480 --> 00:50:45.920
hell, I would assume you don't
want to pay top dollar up to three

739
00:50:46.079 --> 00:50:51.840
four times that amount for electricity during
those times. I'd love to hear from

740
00:50:51.920 --> 00:50:55.039
people with the smart meter, actually, how much have they saved. I'd

741
00:50:55.079 --> 00:51:00.239
love to hear that maybe I'm off, and this show's about truth and figuring

742
00:51:00.320 --> 00:51:04.960
out real stuff for real people.
I would love to know someone that's been

743
00:51:05.039 --> 00:51:08.880
on a smart meter that has a
bill from example, I don't know June

744
00:51:08.960 --> 00:51:13.039
of last year, well, you
can't even have a June one this year

745
00:51:13.159 --> 00:51:16.000
yet, but how about January of
this year? In January when you weren't

746
00:51:16.000 --> 00:51:20.079
on a smart meter, or even
a month to month, I'd love just

747
00:51:20.159 --> 00:51:23.679
some kind of comparison that actually shows
you're saving money, but they make it

748
00:51:23.840 --> 00:51:27.880
so hard to read. It wouldn't
matter anyhow, It just wouldn't matter.

749
00:51:28.159 --> 00:51:31.159
But I'd like to know if anybody
out there is actually saving money now with

750
00:51:31.239 --> 00:51:35.480
the smart meter, I would love
that. Here's the problem. You got

751
00:51:35.519 --> 00:51:37.800
a car that needs to be plugged
in, and you get home from work

752
00:51:37.880 --> 00:51:42.039
and plug it in during that high
time. You just all that money you're

753
00:51:42.039 --> 00:51:45.760
saving on gasoline, you are now
spending every bit of it. It's like

754
00:51:45.880 --> 00:51:50.519
going to a supercharger. People think
these superchargers. The only time I ever

755
00:51:50.679 --> 00:51:53.880
used a supercharger on my electric is
when we're going on a long trip.

756
00:51:54.239 --> 00:51:59.400
But they're not much different than gasoline. Depending on where you're supercharging, they're

757
00:51:59.480 --> 00:52:02.920
not. It can cost forty bucks
to supercharge a model less one hundred percent.

758
00:52:04.000 --> 00:52:07.159
It can easily cost forty fifty bucks. Three oh three seven one three

759
00:52:07.239 --> 00:52:13.800
eight two five five three zero three
Martino. Tom called yesterday mister appliance of

760
00:52:14.000 --> 00:52:19.760
Parker charged them sixty seven hundred dollars
to fix his Viking refrigerator. They never

761
00:52:19.880 --> 00:52:22.920
could fix it. He called into
the show, Tom, I am truly

762
00:52:22.039 --> 00:52:29.119
hoping you have some news well as
of today, no call back yet,

763
00:52:29.480 --> 00:52:32.280
nothing, not a damn thing nothing. You know what, I can't believe

764
00:52:32.360 --> 00:52:37.800
this local guy, mister Appliance people, I want it now that I have

765
00:52:37.320 --> 00:52:40.360
Tom actually on the line, I
want you to listen to what happened.

766
00:52:42.199 --> 00:52:45.280
I really do if you didn't hear
it yesterday. And just like we did

767
00:52:45.360 --> 00:52:47.679
with the woman that bounced that check, we're going to try to light up

768
00:52:47.760 --> 00:52:53.320
mister Appliance a little because this is
ridiculous. Now their corporate headquarters isn't getting

769
00:52:53.400 --> 00:52:57.880
back to anybody. I realize here
is a franchise, and I feel bad

770
00:52:57.960 --> 00:53:01.760
for people that own say Appliance of
Colorado Springs. I feel bad for them

771
00:53:01.840 --> 00:53:06.920
right now because this guy in Parker
is making you all look like a bunch

772
00:53:07.000 --> 00:53:15.840
of thieves. Go with a sure
thing Denver's Best roofer Excel Roofing dot com.

773
00:53:16.039 --> 00:53:23.119
You don't pay a cent until you're
contenth time for an insurance checkup free,

774
00:53:23.239 --> 00:53:29.360
no obligation comparison call Compass Insurance paying
too much your coverage at dozens of

775
00:53:29.440 --> 00:53:31.960
insurance companies. Find out now three
oh three, seven seven to one help.

776
00:53:32.159 --> 00:53:36.679
You'll think you're his only customer when
you choose Frank durand the real estate

777
00:53:36.800 --> 00:53:40.199
man dot Com to list your home
with Remax Alliance three oh three nine two

778
00:53:40.280 --> 00:53:54.840
zero sixteen twenty two right three oh
three seven one three eight two five five.

779
00:53:54.880 --> 00:53:58.320
We have a couple of lines open. You've been ripped off taking advantage

780
00:53:58.360 --> 00:54:00.920
of any home questions. We've got
some great people in and we're gonna have

781
00:54:01.000 --> 00:54:07.119
Brent Ivnson back up about purchasing and
when he thinks interest rates. Not only

782
00:54:07.199 --> 00:54:09.400
does Brent know a lot about,
of course, the mortgage business, but

783
00:54:09.519 --> 00:54:14.519
he's actually very very smart when it
comes to the FED and where rates are

784
00:54:14.559 --> 00:54:19.639
going. I've yet to see him
be wrong. So that'll be good information.

785
00:54:19.800 --> 00:54:22.159
We'll do that the top and next
hour. Meantime, I want to

786
00:54:22.199 --> 00:54:28.360
go back to Tom and mister Appliance. So Tom, no one's reached out

787
00:54:28.400 --> 00:54:31.480
to you. Sixty seven hundred dollars
you spent with mister Appliance in Parker,

788
00:54:31.760 --> 00:54:35.199
Folks, I'm going to ask you
and plead with you, would you please

789
00:54:35.239 --> 00:54:37.920
give this these guys a call.
I mean, honest to god, sixty

790
00:54:38.000 --> 00:54:43.199
seven hundred dollars. We've already looked
into this case. We've seen the paperwork.

791
00:54:43.559 --> 00:54:45.800
Tom, what would you like to
add to it. When did this

792
00:54:45.920 --> 00:54:49.599
guy start ghosting you? He came
out, you said, no less than

793
00:54:49.800 --> 00:54:53.920
seven times, charged you sixty seven
hundred dollars to fix the refrigerator, and

794
00:54:54.039 --> 00:55:00.119
it simply still did not work.
Then he ghosted you. Yep, we

795
00:55:00.239 --> 00:55:04.639
actually have had him out nine times, nine times, nine times. Started

796
00:55:04.679 --> 00:55:08.159
in April and about April, May
June. I'm looking at all the days

797
00:55:08.159 --> 00:55:12.760
here, August twice, in August, twice in September, and I had

798
00:55:12.760 --> 00:55:15.400
actually tried to call the office see
if we can get somebody else to come

799
00:55:15.440 --> 00:55:17.159
out. Who's the owner? But
who's the owner? Do you know who

800
00:55:17.239 --> 00:55:21.559
the owner of this franchise is?
They will not tell you, and I

801
00:55:21.679 --> 00:55:25.119
cannot find it. Who was the
technician? His name was Elborne, very

802
00:55:25.199 --> 00:55:28.480
nice kid, but he was in
over his head. He just didn't know

803
00:55:28.480 --> 00:55:30.960
how to fix it, and he
didn't know how to fix it, and

804
00:55:30.079 --> 00:55:35.840
so he's doing his back and it
is of Parker right, that is correct.

805
00:55:35.920 --> 00:55:40.239
I actually finally was so exacerbated after
the nine trips. I called Promise

806
00:55:40.280 --> 00:55:44.519
Appliance, which was referred to me
from Ferguson Kitchen in Bath. Yeah,

807
00:55:44.599 --> 00:55:47.159
and then they came out and fixed
it for forty six hundred right. I

808
00:55:47.280 --> 00:55:51.079
was one hundred percent intelligent on the
unit, knew how to retrofit it,

809
00:55:51.119 --> 00:55:52.079
exactly what needed to be done.
He said, Tom, I don't know

810
00:55:52.119 --> 00:55:54.559
why they took the unit out of
the wall. And he said, oh

811
00:55:54.639 --> 00:55:58.280
my god, he touched the compressor
because I think so hot it's going to

812
00:55:58.320 --> 00:56:01.239
start on fire sometimes. And tire
of the companies like this. It's just

813
00:56:01.400 --> 00:56:06.000
like the old lady. Honest to
god, it's just like evonn Orndorf.

814
00:56:06.199 --> 00:56:08.599
Hey, here's the problem. They
take your money, they don't fix it.

815
00:56:08.679 --> 00:56:13.440
They're out there nine times, they
can't do it. Then instead of

816
00:56:13.599 --> 00:56:17.880
realizing maybe we shouldn't be working on
Viking appliances because we suck and know nothing

817
00:56:17.920 --> 00:56:21.840
about them. Now that's my opinion, of course, but you know,

818
00:56:22.039 --> 00:56:24.880
instead of saying something like that and
refunding the money, what they do is

819
00:56:24.960 --> 00:56:29.119
they just ghost them like you're going
to go away, like you're not going

820
00:56:29.199 --> 00:56:32.119
to fix your refrigerator. So then
you have another company come out that actually

821
00:56:32.199 --> 00:56:36.719
acknowledges they did a horrible job.
Is that correct, Tom? Yeah,

822
00:56:36.800 --> 00:56:37.960
they did it in two trips.
He came out, figured out the parts

823
00:56:38.000 --> 00:56:42.599
he needed, said we're gonna have
to redo this come back and what did

824
00:56:42.639 --> 00:56:45.599
they say that the parts that the
other company, mister Appliance of Parker used

825
00:56:45.639 --> 00:56:51.639
were incorrect or what was the deal
ones there was of course, then you

826
00:56:51.679 --> 00:56:53.920
can't make proper connections and this and
that, and the guy, you know,

827
00:56:53.960 --> 00:56:55.880
I'm not an expert on any of
that stuff, and he says,

828
00:56:55.880 --> 00:56:58.639
you know what, Tom, that
none of this stuff is going to work

829
00:56:58.719 --> 00:57:00.519
like this, And I said,
okay, And so you know he and

830
00:57:00.599 --> 00:57:06.039
how much was their total fix on
it? Forty seven dollars. So there's

831
00:57:06.079 --> 00:57:08.159
another part I don't understand if you
didn't have to tear it out. Yeah,

832
00:57:08.199 --> 00:57:10.719
And my guess is, let me
tell you something that I can't.

833
00:57:12.039 --> 00:57:15.280
This part's going to drive you nuts. I think mister Appliance, when they

834
00:57:15.320 --> 00:57:19.000
came out, they misdiagnosed it.
I know you ended up buying a compressor.

835
00:57:19.119 --> 00:57:22.760
Most of those compressors are good for
my goodness forever. I mean,

836
00:57:22.800 --> 00:57:25.199
I'll just say a twenty five thirty
thirty five years on those Viking. I

837
00:57:25.320 --> 00:57:29.800
bet you didn't even need a compressor, but you'll never know that because they

838
00:57:29.880 --> 00:57:32.280
took the old compressor office. Yeah. I actually go over to their office

839
00:57:32.320 --> 00:57:35.239
to go ahead and see if I
can meet with the owner, because this

840
00:57:35.360 --> 00:57:37.239
was pretty egregious. And where is
it? Where is this guy's office,

841
00:57:37.320 --> 00:57:40.159
by the way, they're right off
They're right off a Parker Road in four

842
00:57:40.280 --> 00:57:44.840
seventy, just north of the town
of Parker. So hold on, hold

843
00:57:44.880 --> 00:57:47.360
on. Do they have like a
retail walk in office. They don't.

844
00:57:47.400 --> 00:57:51.400
They have a They're kind of on
the backside of a little shop at and

845
00:57:51.519 --> 00:57:53.599
you go downstairs and you go around
the back and there's an office there.

846
00:57:53.679 --> 00:57:59.079
And so I walked in and the
dispatcher was there, and I said,

847
00:57:59.079 --> 00:58:01.039
I entered a piece of she knew
who I was. You know what I'd

848
00:58:01.159 --> 00:58:05.440
like to do with the order?
I'd like to meet you outside their office.

849
00:58:06.360 --> 00:58:08.679
Unfortunately, Tom's gone for a few
days, so I simply can't do

850
00:58:08.840 --> 00:58:14.519
that until we're both back. When
he's back and I'm back, and these

851
00:58:14.559 --> 00:58:17.159
guys haven't Paige you yet, I'd
like to go over there and at least

852
00:58:17.199 --> 00:58:22.119
do a Facebook live or a YouTube
live and ask them why the hell they

853
00:58:22.159 --> 00:58:25.159
won't even refund it, why they
can't fix it, why they're ghosting everybody.

854
00:58:25.639 --> 00:58:30.559
It's ridiculous, and I'm sick and
tired of company's doing this, folks,

855
00:58:30.880 --> 00:58:32.760
I plead with you, hold on, hold on, I plead with

856
00:58:32.920 --> 00:58:37.000
you. I plead with you right
now. If you're listening to this show,

857
00:58:37.320 --> 00:58:40.840
imagine if you were in the position
that Tom's in you need help.

858
00:58:42.119 --> 00:58:45.559
That's where we come together as a
community. We're all troubleshooters. We all

859
00:58:45.679 --> 00:58:51.920
don't like thieves. We all don't
like ripoffs. We don't like incompetent people

860
00:58:52.119 --> 00:58:55.239
attempting to fix things they shouldn't be. I don't know what other proof I

861
00:58:55.440 --> 00:59:00.559
need to believe everything Tom is saying. Now. I'm going off of his

862
00:59:00.800 --> 00:59:06.360
word, but in my opinion,
mister Appliance of Parker sucks, absolutely sucks.

863
00:59:06.400 --> 00:59:10.320
And if anybody out there knows the
owner's name of that franchise, mister

864
00:59:10.440 --> 00:59:15.800
Appliance of Parker, please email me
at help at troubleshooter dot com. I

865
00:59:15.880 --> 00:59:17.960
would love to figure out who he
is, where he lives, and why

866
00:59:19.079 --> 00:59:23.039
he won't refund, or at least
communicate with this customer why he won't refund.

867
00:59:23.519 --> 00:59:29.320
Tom has been dealing with this since
April. He finally had another company

868
00:59:29.440 --> 00:59:32.960
fix it for a lot less.
They said this company really did not do

869
00:59:34.079 --> 00:59:37.599
it right. The wrong parts not
good labor, the whole bit, but

870
00:59:37.880 --> 00:59:42.599
mister Appliance at Parker doesn't want to
talk about it. They simply don't.

871
00:59:42.719 --> 00:59:46.119
And I sent a message up the
chain to the franchise or and guess what,

872
00:59:46.440 --> 00:59:51.039
we haven't heard back. I thought
Tom would have heard back mister Appliance

873
00:59:51.079 --> 00:59:57.239
of Parker three oh three six eight
eight five two three three three oh three

874
00:59:57.480 --> 01:00:00.880
six eight eight five two three three. I would not use these people.

875
01:00:00.280 --> 01:00:04.719
I swear to God. It's my
opinion, but I would not use them

876
01:00:04.840 --> 01:00:09.719
under any circumstance. Based upon Tom's
experience, these guys really suck. If

877
01:00:09.800 --> 01:00:15.119
everything Tom is saying is correct,
they might be the worst appliance center in

878
01:00:15.360 --> 01:00:20.159
Parker or I'm sorry, repair center
in Parker. Please call them up and

879
01:00:20.239 --> 01:00:23.079
then give me some feedback on what
they say. Three oh three six eight

880
01:00:23.119 --> 01:00:29.840
eight five two three three. And
if you're listening later on to a podcast

881
01:00:30.320 --> 01:00:35.199
or our YouTube call, then I
really want to get this guy's money back.

882
01:00:35.280 --> 01:00:37.840
I don't see any reason in the
world why this guy shouldn't get a

883
01:00:37.920 --> 01:00:42.320
refund. They sent some kid out
there. They couldn't fix it, according

884
01:00:42.360 --> 01:00:46.440
to Tom, and he couldn't fix
it nine times. Imagine bringing your car

885
01:00:46.599 --> 01:00:52.239
back to the same shop, same
problem nine times. Imagine the same furnace

886
01:00:52.320 --> 01:00:55.280
guy coming out to get you heat
nine times and still can't do it right.

887
01:00:55.559 --> 01:00:59.320
So if you want the worst out
there, mister Appliance of Parker,

888
01:00:59.559 --> 01:01:05.400
my opinion onion the worst, mister
Appliance of Parker three oh three six eight

889
01:01:05.440 --> 01:01:08.760
eight five two three three. I
gotta take a breath. I'm gonna come

890
01:01:08.840 --> 01:01:14.199
back. We're going to talk to
Betsy with an issue with Kia. Yeah,

891
01:01:14.440 --> 01:01:16.280
another recall? Boy, is it
a day to day You guys need

892
01:01:16.400 --> 01:01:20.440
help, though, we'd love to
hear from you. Three oh three seven

893
01:01:20.519 --> 01:01:30.599
one three eight two five five Go
with a sure thing Denver's best roofer Excel

894
01:01:30.719 --> 01:01:37.480
Roofing dot com. You don't pay
a cent until you're content. Time for

895
01:01:37.519 --> 01:01:42.280
an insurance checkup free, no obligation. In comparison, call Compass Insurance paying

896
01:01:42.320 --> 01:01:45.360
too much your coverage at dozens of
insurance companies find out now three oh three

897
01:01:45.519 --> 01:01:50.280
seven seven to one help. You'll
think you're his only customer when you choose

898
01:01:50.320 --> 01:01:53.719
Frank durand the real estate Man dot
com to list your home with Remax Alliance

899
01:01:54.000 --> 01:02:00.920
three oh three nine two zero sixteen
twenty two all right three oh three seven,

900
01:02:01.039 --> 01:02:05.480
one, three eight, two five
five. You need help, I'd

901
01:02:05.559 --> 01:02:07.440
like you to reach out three oh
three Martino. We got some open lines.

902
01:02:08.079 --> 01:02:10.559
Any issues. You have, something
you need help with. And by

903
01:02:10.559 --> 01:02:14.840
the way, I do appreciate it, and I mean it when callers do

904
01:02:14.960 --> 01:02:19.079
get involved, whether it was with
Yvonne the first hour or mister appliance this

905
01:02:19.280 --> 01:02:22.159
hour, we get a lot done
this way. The pressure of the media

906
01:02:22.280 --> 01:02:25.679
is massive. I mean, honestly, think about hiring an attorney for like

907
01:02:25.800 --> 01:02:30.079
to fifteen hundred dollars. That poor
mover who's got to deal with Yvonne.

908
01:02:30.480 --> 01:02:32.639
It's going to cost more than that. So thank god there's small claims court

909
01:02:32.920 --> 01:02:37.519
will help them through it. But
hopefully, with your help, Yvonne's going

910
01:02:37.559 --> 01:02:39.400
to do the right thing. We'll
find out and if she doesn't do the

911
01:02:39.480 --> 01:02:44.840
right thing, we'll revisit her tomorrow. Yes, Yvonne, hopefully you're listening.

912
01:02:44.960 --> 01:02:49.159
If you don't want to pay them, we can revisit tomorrow. Same

913
01:02:49.239 --> 01:02:52.159
with mister appliance of Parker. It's
just kind of the way things go these

914
01:02:52.280 --> 01:02:57.480
days. You know, people might
say it's doxing. I don't you know

915
01:02:57.559 --> 01:03:00.159
what I truly think of it.
Is. I think of it as is

916
01:03:00.400 --> 01:03:05.760
real reviews. People like getting reviews. The owner of companies need reviews,

917
01:03:06.079 --> 01:03:09.280
so your feedback to them is a
free review. So when you call up,

918
01:03:09.440 --> 01:03:14.960
like mister Appliance of Parker that has
ghosted a guy that spent sixty seven

919
01:03:15.079 --> 01:03:17.639
hundred dollars with them, and you're
nice and you tell them, hey,

920
01:03:17.719 --> 01:03:21.199
look, how come you won't talk
to them, you won't give them the

921
01:03:21.280 --> 01:03:24.880
owner's information. You just totally ghosted
this guy. And more importantly, you

922
01:03:25.000 --> 01:03:30.039
never fixed it on nine different attempts, according to Tom, to get out

923
01:03:30.079 --> 01:03:32.360
there, mister Appliance of Parker.
I'm gonna give the number out one more

924
01:03:32.440 --> 01:03:37.239
time. Please get involved. This
is a community show. Three h three

925
01:03:37.719 --> 01:03:39.719
six eight eight five two three three. But honest to God, be nice.

926
01:03:40.079 --> 01:03:44.159
This is not a threatening deal whatsoever. This is like, hey,

927
01:03:44.280 --> 01:03:46.480
what's going on? At least give
us your side of the story and then

928
01:03:46.559 --> 01:03:50.159
you can call in and tell us
what's going on? Now, Betsy,

929
01:03:50.599 --> 01:03:58.519
what's going on with this Kia?
Well, I've gotten two important safety recalls

930
01:03:58.639 --> 01:04:02.639
for my Tia. So we had
moved to Nebraska. We took vacation to

931
01:04:02.760 --> 01:04:08.599
come to Fort Collins to get these
recalls. Done. When we took it

932
01:04:08.679 --> 01:04:11.800
in, they said, oh,
we can't do it because your engine's already

933
01:04:11.880 --> 01:04:14.920
knocking. Hey, hey, Betsy, Betsy, hold on one second.

934
01:04:14.960 --> 01:04:17.920
You said something I didn't understand.
So you moved to Nebraska. I assume

935
01:04:17.960 --> 01:04:21.880
you bought the car out here in
Colorado. Oh yeah, yeah. Why

936
01:04:21.920 --> 01:04:26.079
did you wait? Why didn't you
just bring it to a Kia dealer in

937
01:04:26.239 --> 01:04:32.679
Nebraska? The nearest dealer dealership to
us is Fort Collins. Oh my goodness,

938
01:04:32.840 --> 01:04:35.880
okay, okay, so which one
did you bring it to? Who

939
01:04:36.000 --> 01:04:42.800
was it? We brought it to
the cute few dealership in Fort Collins.

940
01:04:42.920 --> 01:04:46.800
We bought the car from Thornton.
Now what was the exact recall? Kind

941
01:04:46.800 --> 01:04:51.440
of give it to me in a
nutshell, all right. One is an

942
01:04:51.639 --> 01:04:59.119
increase risk of crashing due to engine
combustion damage. Okay, and it tells

943
01:04:59.199 --> 01:05:01.559
you don't drive. I have the
car. I don't have a choice to

944
01:05:01.719 --> 01:05:10.679
not drive my car. And the
other safety recall is, oh, let's

945
01:05:10.679 --> 01:05:14.559
see here, where is it?
What kind of kiya? Is it?

946
01:05:14.719 --> 01:05:17.960
Rushing fire? It has to do
with your engine catching on fire. If

947
01:05:18.039 --> 01:05:21.679
it's parked or if you're driving,
it doesn't matter. What is it?

948
01:05:21.800 --> 01:05:27.559
What kind of Kia. It's a
twenty twelve Kia Soul. Oh my god,

949
01:05:27.639 --> 01:05:31.559
at twenty twelve? What warranty?
How many miles are on it?

950
01:05:32.800 --> 01:05:36.679
One hundred and sixty three thousand,
Holy moly? And what did you expect

951
01:05:36.719 --> 01:05:42.000
them? In those two safety recalls? What do they do? Does it

952
01:05:42.079 --> 01:05:45.559
say we just need to inspect?
Does it say we need to replace?

953
01:05:45.679 --> 01:05:47.559
But both of them had to do
with the engine catching fire? Right,

954
01:05:48.480 --> 01:05:54.519
yes, So on the back it
says KEYA will upgrade the catalytic overheating protection

955
01:05:55.960 --> 01:06:00.840
and if necessary, replace the catalytic
catalytic convert and or engine at no cost

956
01:06:00.960 --> 01:06:03.880
to you. And then I show
it to these guys and they're like,

957
01:06:04.000 --> 01:06:09.840
nope, nope, uh huh,
well thank you guys. Yeah, I

958
01:06:09.960 --> 01:06:13.599
know you're not going to like this, and we can reach out to a

959
01:06:13.719 --> 01:06:16.639
Kia dealer. But here's what's going
on. That is for an engine fire,

960
01:06:16.719 --> 01:06:21.800
if that cat overheats and creates an
engine fire, and if that did

961
01:06:21.960 --> 01:06:27.800
happen, is why they would replace
your engine. Your engine did not catch

962
01:06:27.880 --> 01:06:32.719
on fire, nor did that catalytic
converter catch on fire, so therefore there

963
01:06:32.920 --> 01:06:39.320
is no safety issue with yours.
The only thing that would be covered by

964
01:06:39.400 --> 01:06:42.920
that safety issue. From what you're
telling me is if the cat caught on

965
01:06:43.079 --> 01:06:45.960
fire and the engine caught on fire, then they would both need to be

966
01:06:46.159 --> 01:06:50.239
replaced. Neither of those things happened. So when you went in there and

967
01:06:50.360 --> 01:06:55.079
said, hey, what's going on
with this? The only part I probably

968
01:06:55.159 --> 01:06:59.440
disagree with them is they're saying we're
not going to replace the cat because the

969
01:06:59.559 --> 01:07:02.639
engine is already knocking. I don't
know if that part's proper, but I

970
01:07:02.679 --> 01:07:06.599
can tell you this, I don't
see in any way why they would owe

971
01:07:06.599 --> 01:07:11.440
you an engine. Does that make
sense to you? Yeah? It does.

972
01:07:12.000 --> 01:07:15.880
But if this is a safety recall
for human safety and it, but

973
01:07:16.000 --> 01:07:20.599
that has nothing to do with the
engine. Once again, what I said,

974
01:07:20.639 --> 01:07:24.840
if you listen to me, is
that cat part. Are you still

975
01:07:24.960 --> 01:07:27.800
driving it around? I mean?
Or did he get to the point where

976
01:07:27.840 --> 01:07:31.920
you can't even drive it? I
still drive it thee knocks. So I

977
01:07:32.119 --> 01:07:38.679
don't understand if you needed a cat, why they wouldn't replace the cat because

978
01:07:38.840 --> 01:07:43.079
it could still catch on fire.
But I one hundred percent know why they're

979
01:07:43.119 --> 01:07:46.039
not doing the engine. Why did
they tell you they're not replacing the cat

980
01:07:46.199 --> 01:07:54.159
simply because the engine's knocking. Yeah, that part I disagree with and I

981
01:07:54.239 --> 01:07:59.079
would like to know their logic on
that. So maybe they're saying the vehicle

982
01:07:59.239 --> 01:08:01.400
is at the end of the life
cycle and it's worthless at this point.

983
01:08:01.880 --> 01:08:08.199
How loud is it when you drive
it around? It's quite a quiet knock,

984
01:08:08.440 --> 01:08:11.800
and it knocks that idol Okay,
Like I said, it's quite a

985
01:08:11.880 --> 01:08:15.840
quiet knock, but it still gets
you around, it does. Now did

986
01:08:15.880 --> 01:08:19.439
they say that your cat? Did
they say that your cat was not affected

987
01:08:19.560 --> 01:08:26.520
by the recall? No, they
just said they will absolutely not even do

988
01:08:26.920 --> 01:08:31.720
a diagnostic to find out because one
guy said you're over one hundred thousand miles

989
01:08:32.199 --> 01:08:36.079
and the other guy, the service
manager this morning, said you're over one

990
01:08:36.159 --> 01:08:40.720
hundred and fifty thousand miles. And
I'm like, hey, deputy, is

991
01:08:40.800 --> 01:08:45.279
Deputy Scott is anybody on YouTube?
Is Scott listening? Deputy choppers Scott might

992
01:08:45.319 --> 01:08:47.880
be as well, Hey Chopper one
of YouTube, would you call over please?

993
01:08:47.960 --> 01:08:51.680
We have deputies out there that help
us all the time. So Dollar

994
01:08:53.039 --> 01:08:56.479
or Chopper, let's I don't care, Suzanne, give it to someone or

995
01:08:56.880 --> 01:08:59.600
but I want you to call that
Kia deal er that she brought, not

996
01:08:59.640 --> 01:09:05.199
where she bought it and ask so
Kelly get the information from these folks off

997
01:09:05.279 --> 01:09:10.640
the air. I don't understand the
cat part. I understand they don't owe

998
01:09:10.880 --> 01:09:13.920
anything for the engine. I mean, I get that. I agree with

999
01:09:14.039 --> 01:09:16.880
that one hundred percent. But what
I don't get is if they're still driving

1000
01:09:16.960 --> 01:09:21.159
around and the knock's not so bad, and they're going to keep driving it,

1001
01:09:21.279 --> 01:09:26.439
why they wouldn't check for the safety
recall, which doesn't have anything to

1002
01:09:26.479 --> 01:09:30.359
do with warranty. It's a safety
recall. They're supposed to check and make

1003
01:09:30.399 --> 01:09:32.640
sure that cat's not going to catch
on fire. So that's what I want

1004
01:09:32.720 --> 01:09:35.279
you to do. If you have
any questions, email me. Go with

1005
01:09:35.359 --> 01:09:40.479
a sure thing Denver's Best roofer Excel
Roofing dot com. You don't pay a

1006
01:09:40.640 --> 01:09:46.800
cent until you're content. Time for
an insurance check up free, no obligation.

1007
01:09:46.880 --> 01:09:51.239
In comparison, call Compass Insurance.
Pay too much your coverage at dozens

1008
01:09:51.279 --> 01:09:55.560
of insurance companies find out Now three
oh three, seven to seven to one

1009
01:09:55.680 --> 01:09:59.319
help. You'll think you're his only
customer when you choose Frank Durand the real

1010
01:09:59.439 --> 01:10:03.399
estate man to list your home with
Remax Alliance three all three nine two zero

1011
01:10:03.560 --> 01:10:17.439
sixteen twenty two, ripped up news
need advice, so you don't have then

1012
01:10:17.640 --> 01:10:24.279
come run into just as fast as
we can show, Shooter's gonna help come.

1013
01:10:24.880 --> 01:10:30.640
Man, this is the Troubleshooter Show
now, Tom Martinez, welcome,

1014
01:10:30.720 --> 01:10:32.000
Welcome to the show. The only
show, but it's Kindra here to solve

1015
01:10:32.039 --> 01:10:36.199
problems, answer questions, take complaints. We go after the bad guys.

1016
01:10:36.800 --> 01:10:40.840
In fact, if you have a
problem, if you've been ripped off or

1017
01:10:40.880 --> 01:10:43.680
taking advantages, I'd love to hear
from you. You know. The other

1018
01:10:43.760 --> 01:10:46.199
thing we do is we focus on
education of the community. We truly are

1019
01:10:46.239 --> 01:10:49.439
a community show. And when I
say that, the community can be the

1020
01:10:49.640 --> 01:10:54.000
entire country. We have a lot
of people that listen to us on our

1021
01:10:54.079 --> 01:10:58.680
podcast and on YouTube and man,
we had a caller today from New York,

1022
01:10:58.760 --> 01:11:01.199
for example. But on our podcast, we're one of the most downloaded

1023
01:11:01.239 --> 01:11:04.960
on the iHeart network. So if
you're listening right now to us through there,

1024
01:11:05.079 --> 01:11:09.119
thank you first of all, and
be part of the show. We

1025
01:11:09.199 --> 01:11:12.359
have a lot of people in Texas, New York, California, I think

1026
01:11:12.520 --> 01:11:16.800
Florida as well. Little pockets.
We were national years ago before nine to

1027
01:11:16.840 --> 01:11:20.680
eleven, nine to eleven changed everything. A lot of people like Kennedy and

1028
01:11:21.079 --> 01:11:25.960
Rush Limbaugh, a lot of people
really sucked up all the air during that

1029
01:11:26.119 --> 01:11:30.600
time, rightfully so to be honest
too, So we kind of went back

1030
01:11:30.640 --> 01:11:33.479
to our local roots. But we're
looking, always looking to expand out there

1031
01:11:33.560 --> 01:11:38.399
through any kind of form of media. But I love when people helped the

1032
01:11:38.479 --> 01:11:41.800
show. So listen to the show. If you can be part of it.

1033
01:11:41.920 --> 01:11:44.760
We love when that happens. You
can get through right now, We've

1034
01:11:44.760 --> 01:11:46.239
got a couple open lines three oh
three seven, one, three eight,

1035
01:11:46.239 --> 01:11:49.479
two five five, But I want
to take a few minutes and talk about

1036
01:11:49.520 --> 01:11:55.680
something that's very important to our pocketbook. That's interest rates in buying a house.

1037
01:11:56.039 --> 01:11:58.840
There's a lot of people at this
point. Hey, Brent Ivenson,

1038
01:11:58.920 --> 01:12:02.279
ideal home loans. When was the
last time we saw rates under it?

1039
01:12:02.359 --> 01:12:12.640
Let's just say five percent on a
thirty year fixed mortgage. Dragon, do

1040
01:12:12.720 --> 01:12:15.520
we have bren up? He says
he can hear me, but I can't

1041
01:12:15.560 --> 01:12:20.720
hear him. I simply don't have
you, Bran. I'm sorry, I

1042
01:12:20.800 --> 01:12:25.079
don't know if your MIC's off at
your house. He's remote with us today.

1043
01:12:25.439 --> 01:12:27.600
But when we figure that out,
we'll go back to it. But

1044
01:12:27.720 --> 01:12:30.359
I'm dying to dig into that stuff. Three oh three seven, one three

1045
01:12:30.399 --> 01:12:34.239
eight two five five. Hey guys, So I've got Stephanie Thomas and studio

1046
01:12:34.359 --> 01:12:38.279
with me, and I also have
Frank Duran in the real estate. Man.

1047
01:12:38.680 --> 01:12:41.000
Let me ask you, guys,
I don't know if you know the

1048
01:12:41.119 --> 01:12:44.960
exact answer, but when was the
last time rates were below four percent?

1049
01:12:45.000 --> 01:12:47.560
Do you remember when one of your
clients closed? Well, that's been Mark

1050
01:12:47.600 --> 01:12:50.439
Gosh about a year and a half
ago, I'd say, Stephanie. And

1051
01:12:50.600 --> 01:12:56.359
it absolutely kills buying power, doesn't
it. It greatly reduces it. You

1052
01:12:56.439 --> 01:13:00.479
can get to the point where you
qualify and if interest rates move let's say,

1053
01:13:00.920 --> 01:13:03.000
I don't know, a point within
three or four months before you close,

1054
01:13:03.319 --> 01:13:06.399
it can take the deal off the
table. Yeah, market think of

1055
01:13:06.479 --> 01:13:10.239
it like this. We went from
eleven days of inventory to a little over

1056
01:13:10.319 --> 01:13:14.319
two months of inventory, seeming so
right now we're two months. Oh no,

1057
01:13:14.439 --> 01:13:15.880
no, I mean when rates have
changed. Oh, we kind of

1058
01:13:15.920 --> 01:13:18.880
hit that brick wall. We went
from three and a half four percent interest

1059
01:13:18.920 --> 01:13:24.119
rates to seven percent seemingly overnight.
Explain to people what that inventory means.

1060
01:13:24.199 --> 01:13:29.239
My perspective or my understanding is this, if you have eleven days of inventory.

1061
01:13:29.359 --> 01:13:32.680
The average house is sitting on the
market for eleven days. Well,

1062
01:13:32.680 --> 01:13:36.079
I'll tell you what. No,
In fact, good point. What we

1063
01:13:36.199 --> 01:13:40.359
were seeing back then it was if
a home is on the market more than

1064
01:13:40.399 --> 01:13:42.520
two or three days, that was
like an eternity. But what does that

1065
01:13:42.720 --> 01:13:45.800
mean when you say eleven days?
What sure? What it means Mark really

1066
01:13:46.119 --> 01:13:49.119
is that there's just no inventory for
buyers. So in other words, there's

1067
01:13:49.720 --> 01:13:54.920
far more buyers than homes available.
But Frank, I'm still not understanding whether

1068
01:13:55.039 --> 01:13:59.760
you said one hundred days of inventory
or says, what's the difference? Here's

1069
01:13:59.760 --> 01:14:02.239
the difference? Typically we want to
see somewhere. I mean, I guess

1070
01:14:02.319 --> 01:14:06.119
in a normal market, average market, maybe around three months in inventory,

1071
01:14:06.199 --> 01:14:10.159
right like where buyers have more choices, eleven days. I know I'm not

1072
01:14:10.279 --> 01:14:14.479
phrasing the question at this point.
My question is is to fine what that

1073
01:14:14.640 --> 01:14:18.520
means? I don't understand. What
if I walked up to someone and said,

1074
01:14:18.880 --> 01:14:24.239
you have eleven days of inventory on
your widget? Does that mean you're

1075
01:14:24.279 --> 01:14:28.359
going to sell out of all widgets
eleven days? If no more homes came

1076
01:14:28.439 --> 01:14:30.119
on the market, you'd be out. Yeah, it eleven days okay.

1077
01:14:30.199 --> 01:14:33.920
Yeah, so the sweet spot when
it comes to what we're talking about,

1078
01:14:34.359 --> 01:14:39.800
eleven seems crazy on the buyer's side
because you're going to be spending a lot.

1079
01:14:39.920 --> 01:14:42.279
So yeah, so we were getting
those mass bidding wars. We were

1080
01:14:42.319 --> 01:14:45.039
selling some of these homes mark on
over one hundred thousand over asking over the

1081
01:14:45.039 --> 01:14:47.760
appraise value. The buyers were bringing
the difference. It was insane. Was

1082
01:14:47.800 --> 01:14:51.319
that same thing going on in Colorado
Springs? We were absolutely seeing that type

1083
01:14:51.359 --> 01:14:58.560
of market to just almost no inventory. Yeah, how does appraisals work in

1084
01:14:58.640 --> 01:15:01.319
that circumstance? So when you go
through a lender, you have to get

1085
01:15:01.319 --> 01:15:05.920
an appraisal, and let's say the
appraisal comes back at I don't know,

1086
01:15:06.039 --> 01:15:12.439
five hundred thousand, but there's a
bidding war at the end, and someone

1087
01:15:12.600 --> 01:15:15.079
ends up bidding six hundred thousand for
that house, so we're one hundred thousand

1088
01:15:15.239 --> 01:15:18.800
over appraisal. They would have to
come to the table with that cash.

1089
01:15:19.239 --> 01:15:21.720
Yeah, that was not uncommon back
that a lot of people were putting in

1090
01:15:21.760 --> 01:15:25.239
what's called appraisal gaps. So they'd
say, okay, if the home don't

1091
01:15:25.239 --> 01:15:29.079
appraisal will bring an extra fifty grand. But Frank it's not really my argument.

1092
01:15:30.000 --> 01:15:34.000
The point of clarification. Real estate
is pretty simple to value when it

1093
01:15:34.159 --> 01:15:39.079
sells, because it's worth whatever the
hell it sells for. I mean,

1094
01:15:39.159 --> 01:15:43.199
you can have an appraisal for eight
dollars, doesn't mean it's worth eight dollars.

1095
01:15:43.560 --> 01:15:45.239
You can have an appraisal for two
million. It doesn't mean it's worth

1096
01:15:45.279 --> 01:15:49.199
two million. It is worth whatever
it closes at. Wouldn't you agree with

1097
01:15:49.359 --> 01:15:51.960
that? Well, I think in
principle that I would agree with that.

1098
01:15:53.079 --> 01:15:57.399
True. See, but the reason
the bidding wars were going on is because

1099
01:15:57.520 --> 01:16:01.319
you only had eleven days of inventory, and it was bringing the price of

1100
01:16:01.439 --> 01:16:06.840
the property supply and demand up,
so arguably the property was worth in the

1101
01:16:06.920 --> 01:16:12.439
example I've gave six hundred. Sure, I think impressed lenders didn't look at

1102
01:16:12.479 --> 01:16:15.319
it that way. Well, it
depends sometimes on the appraiser mark. Because

1103
01:16:15.319 --> 01:16:17.479
here I could get I kid you
not. I could have and I've seen

1104
01:16:17.520 --> 01:16:20.359
this happen by the way, I
could have five properties in a row,

1105
01:16:20.840 --> 01:16:24.159
appraise at value, praise the value, praise at value, praise of value,

1106
01:16:24.159 --> 01:16:26.000
and then one appraiser says, Nope, I don't see it that way,

1107
01:16:26.159 --> 01:16:28.720
right. I had one I sold
in was a Green Valley ranch.

1108
01:16:29.239 --> 01:16:32.039
First deal fell because the appraisal he
couldn't apraise it. Go to what don't

1109
01:16:32.039 --> 01:16:35.279
mean he couldn't approa In other words, he said that the value we sold

1110
01:16:35.279 --> 01:16:39.159
it for was higher than what he
would appraise it for. So that deal

1111
01:16:39.239 --> 01:16:41.479
feil mark. Now watch this,
we went right back on the market.

1112
01:16:42.000 --> 01:16:44.880
New buyer knew appraiser. That new
appraiser comes in says I can praise it.

1113
01:16:45.159 --> 01:16:47.760
I could an appraiser though here,
Yeah, this is so crazy.

1114
01:16:48.079 --> 01:16:51.319
Brent Ivanson's up. But Brent,
maybe you can chime in on this.

1115
01:16:51.800 --> 01:16:56.359
We're talking about appraisals. You're a
lender. You got to have that appraisal

1116
01:16:56.439 --> 01:16:59.640
in order to justify front and your
own money. I get all that,

1117
01:16:59.800 --> 01:17:03.239
but here's what's killing me. So
we're talking about eleven days of inventory.

1118
01:17:03.399 --> 01:17:06.399
We're talking about that period of time
a few years ago, whenever it was

1119
01:17:06.920 --> 01:17:11.760
and when people got in these bidding
wars because they had to have a house,

1120
01:17:12.119 --> 01:17:15.359
the price of the house would go
up. And this one case Frank

1121
01:17:15.520 --> 01:17:18.359
is talking about, they had an
appraiser come out and said they can't appraise

1122
01:17:18.439 --> 01:17:24.800
it because they won't even appraise it
for the value of what it sold for

1123
01:17:25.079 --> 01:17:29.720
already, right, Frank, that's
right, So Bret, think about that

1124
01:17:29.960 --> 01:17:32.960
my understanding with real estate, and
please correct me from the lenders side,

1125
01:17:33.800 --> 01:17:39.199
that's what sets the damn, That's
what sets the value of the asset is

1126
01:17:39.319 --> 01:17:43.479
how much someone's willing to pay for
it. So how dare an appraiser say

1127
01:17:43.880 --> 01:17:48.079
that's not worth six hundred thousand,
but there's five people bidding six hundred thousand

1128
01:17:48.119 --> 01:17:53.119
dollars on that home? How does
that make any sense? And then in

1129
01:17:53.279 --> 01:17:58.359
Frank's case, what we just talked
about even crazier. The house literally sold

1130
01:17:58.840 --> 01:18:02.439
for six hundred thousand and the appraiser
says, well, it's not worth that.

1131
01:18:02.680 --> 01:18:08.399
I mean, of course it's worth
that someone exchanged greenbacks for that piece

1132
01:18:08.479 --> 01:18:12.039
of property. So what you run
into with that mark again, you know,

1133
01:18:12.359 --> 01:18:15.640
and you said it earlier in the
show. Hey, just because someone's

1134
01:18:15.680 --> 01:18:18.960
willing to pay that for it doesn't
mean it's necessarily worth that. So what

1135
01:18:19.079 --> 01:18:23.319
they'll do is they'll look at comparable
sales, they'll look at recent sales.

1136
01:18:23.640 --> 01:18:26.760
Now, yes, there is some
up in the market that you can look

1137
01:18:26.800 --> 01:18:29.960
at, but what we were running
into is you had so many bidding wars

1138
01:18:30.039 --> 01:18:35.279
going on and you had people paying
insane prices simply just to get into a

1139
01:18:35.399 --> 01:18:39.840
home and win that battle again,
essentially is the way people looked at it.

1140
01:18:39.920 --> 01:18:43.560
So you know, from us from
a collateral standpoint, we rely on

1141
01:18:43.680 --> 01:18:45.720
the you know, license appraiser to
tell us here's what the value of the

1142
01:18:45.760 --> 01:18:48.600
property is. And so what we
were seeing in those periods of time is

1143
01:18:48.640 --> 01:18:53.720
if we were going above and beyond
that appraise value, those buyers were having

1144
01:18:53.760 --> 01:18:57.319
to bridge that gap with additional cash
to cover it. Now, ultimately,

1145
01:18:58.000 --> 01:19:00.079
if the market held in something,
continue to to go up and continue to

1146
01:19:00.119 --> 01:19:04.239
sell that price. And yes,
that was a valuable comp after the fact,

1147
01:19:04.279 --> 01:19:06.920
but in the middle of the transaction
it's not. I guess you hold

1148
01:19:06.960 --> 01:19:10.560
on, let me take this break
and come back, because I've got more

1149
01:19:10.680 --> 01:19:14.479
questions on this. I understand what
you're saying. But then I go into

1150
01:19:14.680 --> 01:19:17.359
Okay, at what period of time
is the value? The value? Is

1151
01:19:17.399 --> 01:19:19.960
it three months, six months,
a year? But that's kind of where

1152
01:19:19.960 --> 01:19:24.399
I'm going. And then this kind
of ties back into another issue going in

1153
01:19:24.800 --> 01:19:28.399
on Colorado, which is property tax
is so high, where do they get

1154
01:19:28.479 --> 01:19:32.439
that value that they seem to take
the highest possible comp in the entire world,

1155
01:19:32.479 --> 01:19:35.800
and that's what your houses worth.
So seriously, the state seems to

1156
01:19:35.920 --> 01:19:41.319
be doing the exact opposite of what
an appraiser would do. But everybody hold

1157
01:19:41.359 --> 01:19:48.800
tight, We'll be right back.
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1158
01:19:49.000 --> 01:19:57.119
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1159
01:19:57.199 --> 01:20:00.039
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01:20:00.119 --> 01:20:04.760
Insurance paying too much your coverage at
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1161
01:20:04.840 --> 01:20:09.640
all three seven seven to one help. You'll think you're his only customer when

1162
01:20:09.680 --> 01:20:13.399
you choose Frank durand the real estate
Man dot com to list your home with

1163
01:20:13.560 --> 01:20:24.640
Remax Alliance three all three nine two
zero sixteen twenty two all right, quote

1164
01:20:24.680 --> 01:20:28.560
three oh three seven one three A
two five five. We had some technical

1165
01:20:29.159 --> 01:20:32.680
difficulties over the break. Hopefully we'll
get up mister Fuller again on the next

1166
01:20:32.720 --> 01:20:38.840
break or the forty five talk to
him and let's continue on with Brent Ivanson.

1167
01:20:38.880 --> 01:20:41.439
Brent, so I want to I
want to kind of dive back into

1168
01:20:41.520 --> 01:20:45.159
exactly what we were talking about.
So the value, how long after an

1169
01:20:45.199 --> 01:20:49.119
appraisal and someone spent So if someone
did was in a bidding war and they're

1170
01:20:49.119 --> 01:20:54.800
trying to refinance now and they're calling
you guys up in the appraisal, they

1171
01:20:54.920 --> 01:20:58.640
ended up coming in one hundred thousand
over appraisal. What happens when they go

1172
01:20:58.760 --> 01:21:03.720
to refi or has a value of
the appraisal actually caught up with the property

1173
01:21:03.760 --> 01:21:08.439
at this point a year or two
later. Yeah, assuming that we continue

1174
01:21:08.479 --> 01:21:11.079
to have sales, yes, typically
it will catch up. So you know,

1175
01:21:11.159 --> 01:21:14.720
to answer your question before we went
to break. Once that transaction has

1176
01:21:14.880 --> 01:21:20.560
closed, then that becomes a viable
comparable or a viable number for the appraiser

1177
01:21:20.760 --> 01:21:24.960
used. So it's once it's closed
where you get caught in this catch twenty

1178
01:21:25.000 --> 01:21:28.359
two is when you're in the middle
of buying and you don't have something that's

1179
01:21:28.359 --> 01:21:31.119
appraising for that that's a like comparable
in the area. That's where you run

1180
01:21:31.159 --> 01:21:35.239
into that issue. I gotcha now, interest rates right now. I was

1181
01:21:35.399 --> 01:21:40.239
just googling, and it looks like
everything for a thirty year fixed is seven

1182
01:21:40.319 --> 01:21:43.720
percent right now? Is that about
right? Yep? That's correct now when

1183
01:21:43.760 --> 01:21:46.199
we talk about your interest rate guarantee. I just had to throw this in

1184
01:21:46.319 --> 01:21:50.039
here. If someone had to move
now where they found the house and whatever

1185
01:21:50.159 --> 01:21:54.800
reason they got to get a loan. When interest rates go down, even

1186
01:21:55.039 --> 01:21:59.239
on even on a refi, you
guys will refinance them for free? Or

1187
01:21:59.359 --> 01:22:02.960
is that just another purchase? How
does your interest rate guarantee work at Ideal

1188
01:22:03.039 --> 01:22:06.760
Home Loans? It works on a
refinance. It works if you need to

1189
01:22:08.359 --> 01:22:11.720
sell the property you're in and buy
another property. Maybe you need to downsize,

1190
01:22:11.760 --> 01:22:14.960
maybe you need to upsize, maybe
you need to buy a second home,

1191
01:22:15.039 --> 01:22:17.920
a vacation home, no matter what. With our interest rate guarantee and

1192
01:22:18.039 --> 01:22:21.760
evolved by Ideal Home Loans. Once
you've done a loan with us, any

1193
01:22:21.880 --> 01:22:27.279
loan you do after that does not
have any lender fees attached to it whatsoever.

1194
01:22:27.800 --> 01:22:30.800
Zero. That's pretty cool. Now, how about business in general?

1195
01:22:30.840 --> 01:22:33.840
And I know I'm putting you on
the spot. I'm talking to two realtors

1196
01:22:33.880 --> 01:22:39.880
here that I've known forever. Guys, this part's going to sound a little

1197
01:22:39.920 --> 01:22:43.000
weird, but Frank, how is
biz right now? Just to put it

1198
01:22:43.119 --> 01:22:45.800
down, how is business of selling
homes and buying homes? We're moving them

1199
01:22:45.880 --> 01:22:48.520
right and left. Mark, the
market's picked up, yeah, and we

1200
01:22:48.560 --> 01:22:51.039
receiving more buyers in the market.
Now we're past presidents a week, and

1201
01:22:51.039 --> 01:22:55.079
I think we're gonna see more buyers
in the market too, Stephanie. You

1202
01:22:55.159 --> 01:22:59.119
know, what I'm seeing is really
location driven for me, because I do

1203
01:22:59.319 --> 01:23:02.479
work in several different locations. For
instance, the mountain market out to the

1204
01:23:02.520 --> 01:23:08.319
west of Colorado Springs is definitely moving
slower than in Colorado Springs. So all

1205
01:23:08.359 --> 01:23:11.760
the properties I've worked on in Colorado
Springs, just the you know, general

1206
01:23:11.840 --> 01:23:14.840
residential homes, I'm moving those quickly, and I'm starting to see a lot

1207
01:23:14.880 --> 01:23:18.560
more activity in some cases multiple offers. Even the properties that i'm seeing you

1208
01:23:18.640 --> 01:23:21.920
know, out west, though we're
still seeing you know, significant days on

1209
01:23:23.000 --> 01:23:25.720
market. So and then this brings
me to you, Brent, on the

1210
01:23:25.840 --> 01:23:30.720
lending side of new purchases or yeah, well new purchases as far as you

1211
01:23:30.840 --> 01:23:32.760
go, how is biz compared to
I don't know, three years ago.

1212
01:23:33.399 --> 01:23:35.920
You know, it's definitely slower than
it was three years ago, for sure,

1213
01:23:35.960 --> 01:23:39.239
I think we would all agree on
that. But it is starting to

1214
01:23:39.319 --> 01:23:42.720
pick back up. I think what
you're starting to see is that the consumer

1215
01:23:42.800 --> 01:23:46.159
has come to the realization that rates
at these levels are here to stay,

1216
01:23:46.239 --> 01:23:49.159
that we are not going to see
this dip back down to the twos and

1217
01:23:49.199 --> 01:23:53.000
the threes. Now, ultimately,
are we going to see some relief and

1218
01:23:53.159 --> 01:23:55.880
rates down the line. Yes,
if the FED starts to cut, the

1219
01:23:56.000 --> 01:23:59.640
FED starts to actually pivot. They
said they've pivoted because they are no longer

1220
01:23:59.760 --> 01:24:01.760
high, but really, until they
start to cut, that's when the true

1221
01:24:01.800 --> 01:24:05.520
pivot's going to take effect and have
an impact on interest rates and mortgage rates.

1222
01:24:05.560 --> 01:24:09.159
But right now we are seeing it
start to pick up. But you

1223
01:24:09.199 --> 01:24:12.000
know, one of the things we're
concerned with with our buyers that are outlooking

1224
01:24:12.159 --> 01:24:15.760
is it is this bidding war starts
back up again, what are we going

1225
01:24:15.840 --> 01:24:18.920
to have happen to home prices?
And then furthermore, is rates go down

1226
01:24:19.079 --> 01:24:23.920
in the future, does that bidding
war get escalated even higher? And do

1227
01:24:24.039 --> 01:24:27.920
we have even more people out shopping
because of that lower rate? Well,

1228
01:24:28.119 --> 01:24:30.159
and right now, when it comes
to what you're doing in most of your

1229
01:24:30.239 --> 01:24:35.000
lens are probably new repurchases or a
new purchase is compared to refise because of

1230
01:24:35.039 --> 01:24:39.560
that interest rate. Is that correct? Or people are still starting to pick

1231
01:24:39.640 --> 01:24:42.760
up on the refi as well?
You know, we still have people taking

1232
01:24:42.800 --> 01:24:45.880
advantage of refis despite where rates are
at You know, if you're someone carrying

1233
01:24:45.920 --> 01:24:48.800
a significant load of credit card debt, it doesn't matter what your interest rate

1234
01:24:48.920 --> 01:24:53.800
is on your first mortgage right now. Consolidating it all, even at the

1235
01:24:53.880 --> 01:24:56.359
higher rates, is going to save
you a significant amount of money. And

1236
01:24:56.359 --> 01:25:00.399
then we also are seeing people that
we're considering buying in our own opt to

1237
01:25:00.520 --> 01:25:02.880
just stay and remodel, and they
feel like that's a much cheaper ordeal to

1238
01:25:02.920 --> 01:25:05.560
go get one hundred thousand dollars out
of their house, even at the higher

1239
01:25:05.640 --> 01:25:09.880
rate, than it would be to
sell, go through that whole process and

1240
01:25:10.000 --> 01:25:13.279
buy something else that maybe they might
have to fix up as well. Hey,

1241
01:25:13.359 --> 01:25:18.159
Berett, do you see people allowing
buyers up at home to take over

1242
01:25:18.239 --> 01:25:23.279
their mortgage and maybe get a higher
price. Because if you have one hundred

1243
01:25:23.319 --> 01:25:26.680
thousand dollars house and you say to
somebody, you know what, I'll keep

1244
01:25:26.680 --> 01:25:30.079
paying the mortgage, but we're gonna
charge one hundred and twenty thousand, is

1245
01:25:30.159 --> 01:25:32.680
that happening at all? You know, you're seeing some assumptions. The challenge

1246
01:25:32.720 --> 01:25:36.439
with that doc is that what you
run into is they still got to bridge

1247
01:25:36.520 --> 01:25:41.079
the gap between what the loan balance
is and what the sales price of the

1248
01:25:41.159 --> 01:25:45.520
house is with cash to be able
to assume that loan, so we aren't

1249
01:25:45.520 --> 01:25:47.640
seeing a lot of those be really
successful. The other thing we're running into,

1250
01:25:47.760 --> 01:25:51.960
too, is that ultimately the servicer
has to approve that assumption, and

1251
01:25:53.079 --> 01:25:55.720
when you look at it from their
perspective, we don't see as many of

1252
01:25:55.760 --> 01:25:59.680
them get approved as you'd think you
would, simply because they would much rather

1253
01:25:59.800 --> 01:26:01.640
have that loan get off their books
that they're only earning two and a half

1254
01:26:01.680 --> 01:26:04.720
percent on and replace it with the
loan that they're earning seven percent on.

1255
01:26:04.920 --> 01:26:10.479
Absolutely, So let me ask you
this, Brent all In all, you

1256
01:26:10.600 --> 01:26:13.159
talked about credit card debt, and
I get it. Some of that credit

1257
01:26:13.239 --> 01:26:17.039
card debt could be twenty twenty eight
percent when you guys even at seven percent

1258
01:26:17.159 --> 01:26:20.600
and wrap it back into the loan. I mean, not only are they

1259
01:26:20.720 --> 01:26:25.880
saving on interest, but they're actual
cash flow depending on what those credit card

1260
01:26:25.920 --> 01:26:30.880
payments they actually generally add up in
a better cash flow situation. Or is

1261
01:26:30.920 --> 01:26:35.119
there times that they're basically saving money
on interest but they're paying more money out

1262
01:26:35.159 --> 01:26:39.079
a month. No, you know, what they're doing is they're saving on

1263
01:26:39.159 --> 01:26:41.640
cash flow each and every month.
You know, for example, We had

1264
01:26:41.680 --> 01:26:45.960
a client that we helped last month
save nineteen hundred dollars a month by consolidating

1265
01:26:45.960 --> 01:26:47.920
their debt, and what we ended
up doing was showing out how to take

1266
01:26:48.039 --> 01:26:51.840
half of that cash flow we created
apply it back towards their new mortgage,

1267
01:26:53.199 --> 01:26:56.960
and when you look at that,
they are going to pay less interest over

1268
01:26:57.039 --> 01:27:00.680
the life of the loan on all
of their debt than that they had left

1269
01:27:00.720 --> 01:27:02.760
it outstanding the way it was,
even with their low mortgage rate in the

1270
01:27:02.800 --> 01:27:06.199
threes that we took them out of. So there are opportunities to restructure this

1271
01:27:06.359 --> 01:27:11.560
and to get ahead financially and to
really work and you know, work smart

1272
01:27:11.600 --> 01:27:14.359
with what you're doing, and take
some of the cast flow that we're creating

1273
01:27:14.439 --> 01:27:15.920
and put it towards your new home
loans so that you can be debt free

1274
01:27:16.039 --> 01:27:19.520
sooner rather than later with all of
your debt. Yeah, it's it's pretty

1275
01:27:19.600 --> 01:27:24.000
crazy out there with money right now, and it really doesn't matter car loans

1276
01:27:24.000 --> 01:27:27.119
are high or everything. When do
you now I'm asking you to use your

1277
01:27:27.199 --> 01:27:30.119
crystal ball, Brent, when do
you see rates getting down around five again

1278
01:27:30.199 --> 01:27:34.520
on a thirty year You know,
I think we may see that later on

1279
01:27:34.680 --> 01:27:38.479
this year mark. You know,
the big thing's going to be is when

1280
01:27:38.560 --> 01:27:41.680
does the FED start cutting and how
aggressive did they get? Because I do

1281
01:27:41.880 --> 01:27:45.000
think you're going to see them make
cuts, you know, probably midsummer.

1282
01:27:45.159 --> 01:27:48.159
The big question is how aggressively do
they get? And then they're going to

1283
01:27:48.279 --> 01:27:53.119
stop well before the election because as
you know, they do not want to

1284
01:27:53.159 --> 01:27:56.640
be they do not want to be
seen as a political organization in any way,

1285
01:27:56.720 --> 01:27:59.039
shape or form. They don't want
to favor one party or the other.

1286
01:27:59.199 --> 01:28:02.079
So they do what they're going to
do and then pause well ahead of

1287
01:28:02.119 --> 01:28:04.760
the elections starting and coming into the
election. You know, I was just

1288
01:28:04.880 --> 01:28:09.840
looking at this where I pulled that
seven percent as of February twentieth's listen to

1289
01:28:09.920 --> 01:28:14.680
this man, So a fifteen years
five point seven, I mean that within

1290
01:28:14.760 --> 01:28:18.279
itself over if you calculate, let's
just use those two. I just want

1291
01:28:18.319 --> 01:28:23.439
people to think about this. Seven
percent on a thirty compared to five point

1292
01:28:23.520 --> 01:28:27.640
seventy five on a fifteen over the
life span of that loan. How much

1293
01:28:27.800 --> 01:28:31.920
interest do people save that fifteen compared
to be thirty same dollar amount. So

1294
01:28:32.000 --> 01:28:34.239
if you look at that, if
you're looking at and I'll just give you

1295
01:28:34.399 --> 01:28:38.560
on an annualized basis to keep it
easy. Yeah, So on five hundred

1296
01:28:38.560 --> 01:28:41.560
thousand dollars at five point seventy five
percent, you're going to pay twenty eight

1297
01:28:41.640 --> 01:28:45.000
thousand, seven hundred and fifty dollars
a year in interest. Oh my god,

1298
01:28:45.359 --> 01:28:49.760
seven percent. Okay, you're going
to be paying thirty five thousand dollars

1299
01:28:49.800 --> 01:28:53.359
interest. So it is a significant
amount of money. I mean, if

1300
01:28:53.359 --> 01:28:57.000
you can afford to go to a
shorter term, it absolutely makes sense and

1301
01:28:57.079 --> 01:28:59.680
you will save. And again,
the other thing for people to keep in

1302
01:28:59.720 --> 01:29:01.600
mind, and I'm sure you know
Frank and Stephanie talk to their buyers the

1303
01:29:01.640 --> 01:29:04.640
same way that we do with ours, is that, look, what you're

1304
01:29:04.680 --> 01:29:08.840
getting in a payment right now is
not your forever payment. Rates will come

1305
01:29:08.960 --> 01:29:12.680
back down, rates will moderate,
they will settle back in, and when

1306
01:29:12.720 --> 01:29:15.520
they do, you're able to refinance
and take advantage of a lower payment.

1307
01:29:15.640 --> 01:29:18.079
And that's where your interest rate guarantee
comes in. But let's go back to

1308
01:29:18.159 --> 01:29:23.560
that for a second. You're talking
thirty five thousand versus whatever it was twenty

1309
01:29:23.640 --> 01:29:28.319
eight thousand, but one is times
fifteen and one is times thirty. I

1310
01:29:28.399 --> 01:29:32.399
mean you're talking, you're you're talking
way more than double an interest just by

1311
01:29:32.479 --> 01:29:36.319
that fifteen to third or that thirty
going down to a fifteen. Well,

1312
01:29:36.399 --> 01:29:39.720
for sure, you know, and
we tell our clients all the time.

1313
01:29:39.800 --> 01:29:42.279
You know, when you borrow money, so much of your payment in the

1314
01:29:42.319 --> 01:29:45.680
beginning goes towards interest and so little
goes for its principle. You want to

1315
01:29:45.720 --> 01:29:47.800
get to the point where those paths
cross, and you can do that as

1316
01:29:47.800 --> 01:29:53.760
a shorter term loan or loading up
on extra payments or applying extra principle to

1317
01:29:53.760 --> 01:29:56.800
your payment each and every month.
It you makes a huge difference. Using

1318
01:29:56.880 --> 01:30:00.960
that same math you were just talking
about the thirty five, the same math,

1319
01:30:00.439 --> 01:30:04.079
what's the buying power difference, or
what's the mortgage payment difference? So

1320
01:30:04.239 --> 01:30:08.840
on that fifteen year, based off
whatever number you used to begin with,

1321
01:30:09.239 --> 01:30:13.720
what is the mortgage payment? So
on the fifteen year, your mortgage payment

1322
01:30:13.760 --> 01:30:17.000
on five hundred thousand dollars would be
forty one fifty two a month, and

1323
01:30:17.159 --> 01:30:23.119
on a thirty year it's seven percent, you'd be looking at thirty three twenty

1324
01:30:23.199 --> 01:30:28.560
six. Oh my god, that's
that's the reason why a lot of people

1325
01:30:28.680 --> 01:30:31.520
do thirty Here it's purely the buying
power. What is the breakdown and then

1326
01:30:31.520 --> 01:30:34.319
I got to take a break of
the loans? You do? Are they

1327
01:30:34.640 --> 01:30:39.119
like six I'm talking just I'm talking. I'm not talking arms and everything.

1328
01:30:39.720 --> 01:30:45.640
Thirty versus fifteen? Where's the man? The overwhelming majority is a thirty year

1329
01:30:45.680 --> 01:30:47.680
fix right now, because when people
really are out there buying, what they're

1330
01:30:47.720 --> 01:30:50.800
really buying is the payment. They're
looking at what they can afford in their

1331
01:30:50.800 --> 01:30:54.880
budgets every month and what they can
make in terms of a house payment.

1332
01:30:54.880 --> 01:30:58.319
And so nine times out of ten
they are going straight to a thirty year

1333
01:30:58.359 --> 01:31:01.039
mortgage because it's a lower payment and
give some additional buying power. That's crazy,

1334
01:31:01.039 --> 01:31:03.680
all right, Everybody hold tight.
We do have lines open. First

1335
01:31:03.760 --> 01:31:08.199
time to date three oh three seven, one three eight, two five five.

1336
01:31:08.560 --> 01:31:10.960
Steve, you hang on, he's
got a question on a loan.

1337
01:31:11.039 --> 01:31:19.840
We'll take Dad after the break.
Three oh three Martino, go with a

1338
01:31:19.920 --> 01:31:25.239
sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent

1339
01:31:25.439 --> 01:31:31.920
until you're content. Time for an
insurance check up, free no obligation comparison

1340
01:31:32.119 --> 01:31:38.159
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

1341
01:31:38.239 --> 01:31:41.279
now three oh three seven to seven
to one help. You'll think you're his

1342
01:31:41.479 --> 01:31:45.399
only customer when you choose Frank durand
the real estate man dot Com to list

1343
01:31:45.479 --> 01:31:48.920
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

1344
01:31:55.079 --> 01:31:58.039
All right, did I tell you, guys, is Paul the water Man?

1345
01:31:58.159 --> 01:32:00.279
Yup? He was at at our
house, Susanna, What do you

1346
01:32:00.399 --> 01:32:03.920
think of our water softener? Just
be honest about it. I absolutely love

1347
01:32:03.960 --> 01:32:08.159
it, Mark, Why? Why? Why? For my hair don't have

1348
01:32:08.399 --> 01:32:11.760
white junk all over the bottom of
the shower? Why the only one in

1349
01:32:11.840 --> 01:32:15.800
the world that I don't tell a
difference to me? The water softener feels

1350
01:32:15.600 --> 01:32:19.039
I hate to say, soon my
best hair days of my life. Mark

1351
01:32:19.159 --> 01:32:24.079
God, So hubby's out there,
husband's out there. If you want your

1352
01:32:24.119 --> 01:32:29.000
wife to have great hair, call
Paul the water Man. But in all

1353
01:32:29.079 --> 01:32:30.279
honesty, I'll tell you what I
love about it. It took me about

1354
01:32:30.279 --> 01:32:33.520
a week to get used to.
But the coolest part about it was the

1355
01:32:33.600 --> 01:32:38.359
money I saved. That's my favorite
part. But my wife's happy, and

1356
01:32:38.560 --> 01:32:42.399
honestly, I thought it would change
the taste of the water. It hasn't.

1357
01:32:42.800 --> 01:32:45.720
And that residue in the toilet,
that white build up in it and

1358
01:32:45.760 --> 01:32:49.199
at the bottom of the shower.
In the bottom of the shower, all

1359
01:32:49.319 --> 01:32:51.720
of that went away, and he
told us it would do that, And

1360
01:32:51.920 --> 01:32:57.840
what I did know it was actually
starting to corrode the pipes. So if

1361
01:32:57.920 --> 01:33:01.359
we didn't have it done, we
might have had another issue later on where

1362
01:33:01.359 --> 01:33:04.840
the pipes start leak. And so
we say, Paul the waterman the best

1363
01:33:04.880 --> 01:33:08.319
for less, give him a call, he'll come out. He will actually

1364
01:33:08.439 --> 01:33:11.399
do a water test right there in
front of you, tell you what's going

1365
01:33:11.439 --> 01:33:14.159
on. He can get rid of
all those bad things in the water as

1366
01:33:14.199 --> 01:33:17.880
well, like those forever chemicals that
can pretty much kill us. Eventually three

1367
01:33:18.000 --> 01:33:24.560
h three eight six' two fifty
five fifty four. Waterpros dot Net is

1368
01:33:24.720 --> 01:33:29.760
his website. Now we've been talking
a lot about mortgages and homes guys.

1369
01:33:30.359 --> 01:33:34.640
You know. In fact, Brent, are you still there? I God,

1370
01:33:34.880 --> 01:33:39.479
Brent, can you hear me?
It goes in and out. He's

1371
01:33:39.560 --> 01:33:44.119
on he's on what we call a
remote line, so he's coming, he's

1372
01:33:44.199 --> 01:33:46.760
coming in and out, and I'm
just not sure why. So in studio

1373
01:33:46.920 --> 01:33:50.239
with me Frank Duran, the real
estate man, Stephanie Thomas, Frank,

1374
01:33:50.319 --> 01:33:55.600
what makes you better than other people. And I'm being dead serious. There

1375
01:33:55.720 --> 01:34:00.359
is people out there that advertise that
if they can't sell your house, they'll

1376
01:34:00.439 --> 01:34:03.680
buy it plus give you five thousand
dollars. And I'm not going to go

1377
01:34:03.760 --> 01:34:08.079
into who says that, but I
hear those commercials all the time. How

1378
01:34:08.239 --> 01:34:12.199
is that possible? How couldn't someone
say, if I want to sell my

1379
01:34:12.279 --> 01:34:15.319
house for a million dollars and I
signed with them and it's not sold in

1380
01:34:15.439 --> 01:34:18.920
thirty days, he's going to buy
my house or she for a million dollars.

1381
01:34:19.239 --> 01:34:23.640
Tell us how some of these things
actually work. They sound great when

1382
01:34:23.680 --> 01:34:27.079
you hear them, But in all
honesty, how does something like that work?

1383
01:34:27.119 --> 01:34:29.840
To the best of your knowledge?
Oh well, things like that markets.

1384
01:34:29.920 --> 01:34:32.840
It's more called shock advertising the smoking
mirrors, but go ahead. Yeah.

1385
01:34:32.880 --> 01:34:36.159
And the way something like that will
work is that there's a guarantee,

1386
01:34:36.319 --> 01:34:40.840
there's a set price ahead of time. In other words, there's no way

1387
01:34:40.840 --> 01:34:43.039
in the world they'd be able to
cover that if a seller said, okay,

1388
01:34:43.039 --> 01:34:45.880
well my price is a million dollars
when the house maybe it would sell

1389
01:34:45.960 --> 01:34:47.600
for five hundred. So they may
come and say, okay, on the

1390
01:34:47.640 --> 01:34:50.760
open market, we believe it's going
to sell for five, your guaranteed price

1391
01:34:50.840 --> 01:34:54.680
is four hundred and thirty thousand,
so they're not taking a big risk.

1392
01:34:55.079 --> 01:34:57.920
So if we can't sell for at
least the guaranteed price, they're selling it

1393
01:34:58.000 --> 01:35:00.720
for under, Yeah, that will
buy it for cash. Or if we

1394
01:35:00.800 --> 01:35:03.119
can't sell for at least you know, if it's supposed to sell for five,

1395
01:35:03.239 --> 01:35:05.279
we can't get you at least four
to seventy five. I'll right you

1396
01:35:05.399 --> 01:35:09.239
checked for X or something like that. What are some of the other tricks

1397
01:35:09.279 --> 01:35:12.600
you hear out there from your competition? Oh gosh, Mark, there's so

1398
01:35:12.720 --> 01:35:15.560
many of them out there. And
how I want to go back to what

1399
01:35:15.720 --> 01:35:18.399
we just talked about and the person
that advertises at without using names? But

1400
01:35:18.800 --> 01:35:24.279
how can they say they sell more
homes than you do? Because anything I've

1401
01:35:24.359 --> 01:35:27.279
looked up you sell more homes.
Yeah, that part I don't know,

1402
01:35:27.399 --> 01:35:30.079
Mark, I really don't know the
rule with that I could tell you just

1403
01:35:30.159 --> 01:35:33.039
my own knowledge. I know we're
not as real estate people. We here

1404
01:35:33.079 --> 01:35:36.000
to a hire code of ethics.
We're not supposed to mislead the public.

1405
01:35:36.079 --> 01:35:39.640
So I don't know how they get
around those things. I have no idea.

1406
01:35:40.680 --> 01:35:42.680
I just know that we stick to
what we do best. And you

1407
01:35:42.720 --> 01:35:46.119
know, Stephanie, do you have
any people in Colorado Springs that are realtors

1408
01:35:46.159 --> 01:35:53.720
that advertise a bunch of malarkey?
Yes? Absolutely, what because similar things

1409
01:35:53.760 --> 01:35:57.479
you guys were just talking about.
I knew a broker who promised the buyout

1410
01:35:57.520 --> 01:36:02.720
clause, but they also tended to
offer that at a much higher commission rate

1411
01:36:02.760 --> 01:36:05.800
as well. So ultimately it's what
they came to terms with, you know,

1412
01:36:05.880 --> 01:36:11.159
their potential client on. But there's
definitely some things built well, there's

1413
01:36:11.239 --> 01:36:15.039
just things built into the contracts so
people know upfront that hey, if we

1414
01:36:15.159 --> 01:36:17.800
make this guarantee to you, then
you know this commission rate is going to

1415
01:36:17.880 --> 01:36:20.560
apply. I've seen that in the
past. I don't know if people still

1416
01:36:20.640 --> 01:36:24.600
do that. That's not something that
I get involved in. I don't make

1417
01:36:24.680 --> 01:36:28.119
those kinds of claims. What I
promise my clients is I'm going to work

1418
01:36:28.520 --> 01:36:31.680
absolutely to sell your home. I'm
going to do the very best I can.

1419
01:36:31.840 --> 01:36:34.920
I'm going to keep you informed with
the market conditions, and you know,

1420
01:36:35.079 --> 01:36:39.039
some of those outlying areas we've got
some higher days on market, but

1421
01:36:39.239 --> 01:36:42.800
I'm going to keep my clients informed. I'm going to continue that whole time,

1422
01:36:42.840 --> 01:36:45.039
and I'm going to do what I
know is right. So, hey,

1423
01:36:45.199 --> 01:36:48.039
Stephanie and Mark, go ahead.
Do these two guys have something that

1424
01:36:48.920 --> 01:36:51.680
is rare? They have integrity?
Yeah, it is gay. I don't

1425
01:36:51.680 --> 01:36:56.279
reply, they don't exaggerate, they
do what they say they're doing. And

1426
01:36:56.399 --> 01:37:01.279
I've never met a more honest person
than Frank. Oh Frank, I forgot

1427
01:37:01.319 --> 01:37:05.279
you used Frank. Yeah. Yeah, So Stephanie brought up something and Brett

1428
01:37:05.319 --> 01:37:11.159
Ivenson's back listening to us. Listen
to this. So Brent, a buyer

1429
01:37:11.319 --> 01:37:15.239
goes out and gets an inspection done
on a house. The inspection shows whatever's

1430
01:37:15.279 --> 01:37:18.840
wrong with and of course the buyer
is going to use this information to try

1431
01:37:18.880 --> 01:37:24.479
to get the seller to come down
on price. The problem is the insurance

1432
01:37:24.600 --> 01:37:29.720
company, who was going to you
know, ensure the house the homeowner's policy,

1433
01:37:30.439 --> 01:37:32.159
looked at it and there was so
much stuff wrong with it. What

1434
01:37:32.359 --> 01:37:35.880
happened, steph They actually declined coverage. And I will say, there were

1435
01:37:35.920 --> 01:37:41.520
a couple of things on the inspection
report there, but we actually provided the

1436
01:37:41.800 --> 01:37:45.920
insurance company the resolution that said XYZ
was being addressed. We we they still

1437
01:37:45.960 --> 01:37:49.039
declined it. They flat out declined
coverage. So we want to go to

1438
01:37:49.079 --> 01:37:53.199
a new company. So Brent,
as a direct lender, I want to

1439
01:37:53.279 --> 01:37:57.920
ask you this, do you guys
ever look at that inspection report and go

1440
01:37:58.119 --> 01:38:01.319
there is no way we're going to
lend money on this because apparently the furnace

1441
01:38:01.439 --> 01:38:05.640
is fifteen years old, it needs
a roof or whatever. Does that happen

1442
01:38:05.960 --> 01:38:11.680
to where that those problems with the
house just totally nicks the deal on the

1443
01:38:11.760 --> 01:38:15.800
lending side, like it sounds like
happened to Stephanie. On the insurance side,

1444
01:38:16.680 --> 01:38:19.399
Yeah, you know, Mark,
we'll run into We'll really look at

1445
01:38:19.439 --> 01:38:24.239
the appraisal and we look at more
safety and soundness issues than anything else.

1446
01:38:24.720 --> 01:38:28.119
You know, we typically don't get
into the inspection. Sometimes we'll see those,

1447
01:38:28.159 --> 01:38:30.840
sometimes we don't. But really what
we're trying to pay attention to is

1448
01:38:30.119 --> 01:38:34.039
does the appraiser note that, hey, the roof needs to be repaired?

1449
01:38:34.159 --> 01:38:39.079
Is the appraiser note that you know
we've got you know, obsolescens or issues?

1450
01:38:39.119 --> 01:38:44.000
Structurally? Can people pick out their
own appraiser just like they pick out

1451
01:38:44.079 --> 01:38:47.399
I thought they could pick out from
a pool, But the person, the

1452
01:38:47.520 --> 01:38:50.960
buyer or the buyer's REMP cannot pick
it out. It's always going to be

1453
01:38:51.039 --> 01:38:55.039
the lender, Brent. Yeah,
And what we do is we have an

1454
01:38:55.079 --> 01:38:58.680
elite panel of appraisers that we use
just because we've worked with them over the

1455
01:38:58.800 --> 01:39:00.800
years, and we know the quality
of work we did they do, and

1456
01:39:00.880 --> 01:39:02.680
we know that they know what they're
doing. So you know, there is

1457
01:39:02.760 --> 01:39:06.600
some insulation there. Most lenders will
have an elite panel or their own panel

1458
01:39:06.640 --> 01:39:10.720
that they've set up just based on
people that they've worked with over the years,

1459
01:39:10.760 --> 01:39:15.640
because look, you do you can
use some appraisal management services and you

1460
01:39:15.720 --> 01:39:17.399
will get some guys that don't know
what they're doing. We've run into that

1461
01:39:17.520 --> 01:39:21.359
in some outlying areas where our appraisers
here locally in Metro Denver won't go out

1462
01:39:21.399 --> 01:39:26.079
to an eastern Colorado location and we've
wound up with some guys that are not

1463
01:39:26.199 --> 01:39:29.399
exactly the best. All right,
everybody, hold tight, Brent, hang

1464
01:39:29.479 --> 01:39:36.960
with us, hold on, go
with a sure thing Denver's best roofer Excel

1465
01:39:38.079 --> 01:39:44.840
roofing dot com. You don't pay
a cent until you're content. Time for

1466
01:39:44.880 --> 01:39:49.840
an insurance checkup free no obligation comparison
call Compass Insurance paying too much your coverage

1467
01:39:49.880 --> 01:39:55.039
at dozens of insurance companies find out
now three oh three seven seven one help.

1468
01:39:55.279 --> 01:39:58.800
You'll think you're his only customer when
you choose Frank durand the real estate

1469
01:39:58.880 --> 01:40:03.079
man dot com your home with Remax
Alliance three oh three nine two zero sixteen

1470
01:40:03.159 --> 01:40:12.560
twenty two. All right, three
oh three seven one three a two five

1471
01:40:12.680 --> 01:40:15.039
five. We have another hour to
go. If you've been ripped off taking

1472
01:40:15.079 --> 01:40:18.600
advantage of I want to dig into
some problems next hour. We do have

1473
01:40:18.720 --> 01:40:24.760
lines open three zero three Martino three
oh three seven one three A two five

1474
01:40:24.880 --> 01:40:28.039
five. I want to ask my
my panel here. We've got great people

1475
01:40:28.079 --> 01:40:31.079
in studio, Stephanie Thomas. We
have Brent Ivanson, Frank Duran, the

1476
01:40:31.119 --> 01:40:34.319
real estate man. What do you
think? The number one and I don't

1477
01:40:34.359 --> 01:40:39.399
know how true this this is I'm
looking at, but the number one issue

1478
01:40:39.560 --> 01:40:43.800
first time home buyers make. What
do you guys think? I want everybody

1479
01:40:43.840 --> 01:40:48.279
to give a separate answer somewhat quick. The number one the number one thing,

1480
01:40:48.800 --> 01:40:55.000
number one mistake a first time home
buyer makes. I'll go first,

1481
01:40:55.039 --> 01:40:57.880
Mark. I think it's the fact
that they don't think they can afford to

1482
01:40:57.920 --> 01:41:00.479
buy, despite the fact that they're
paying rent of three to thirty five hundred

1483
01:41:00.520 --> 01:41:04.279
bucks that's right. In fact,
how this this particular list breaks it down

1484
01:41:04.439 --> 01:41:10.840
is not figuring out how much a
house you can afford. And I would

1485
01:41:10.880 --> 01:41:14.600
say that's exactly right to what you're
saying. They have no idea if they're

1486
01:41:14.680 --> 01:41:17.760
paying rent of two thousand dollars or
whatever average rent is, they don't know

1487
01:41:17.880 --> 01:41:21.520
what that correlates to in buying a
house, right bent, Yeah, absolutely,

1488
01:41:21.560 --> 01:41:24.560
I mean you've got to know what
you can afford. And look,

1489
01:41:24.920 --> 01:41:27.479
you know, we've all we've all
seen it where you know, people get

1490
01:41:27.479 --> 01:41:29.319
off and running and want to go
out and look at houses. I mean,

1491
01:41:29.319 --> 01:41:30.720
the first thing you've got to figure
out is one what works within your

1492
01:41:30.760 --> 01:41:34.439
budget, and then two get pre
approved. I know Frank and Stephanie will

1493
01:41:34.479 --> 01:41:39.279
both echo this sentiment, is that
you've got to know exactly what you qualified

1494
01:41:39.279 --> 01:41:42.079
for because it is a competitive market
out there. If you go in,

1495
01:41:42.199 --> 01:41:44.239
you got to have our ducks in
a row. You just said, that's

1496
01:41:44.359 --> 01:41:47.680
that's an interesting thing. So you
two the realtor side of this. If

1497
01:41:48.159 --> 01:41:51.520
you guys have a client that's not
pre approved, I mean their offers not

1498
01:41:51.640 --> 01:41:56.199
even looked at, right, why
would it or how does that work?

1499
01:41:56.279 --> 01:41:59.600
Or you just simply want to right
that credibility mark. Yet, honestly,

1500
01:41:59.640 --> 01:42:02.199
that's the first steps get pre approved. Absolutely. Okay, what if someone

1501
01:42:02.279 --> 01:42:04.439
says, hey, I'm gonna pay
cash, then what you just get a

1502
01:42:04.520 --> 01:42:09.039
letter from the bank or something,
some proof of funds exactly. And then,

1503
01:42:09.119 --> 01:42:12.239
Brent, here's something. I know
you're in the business, but there's

1504
01:42:12.399 --> 01:42:15.640
rates everywhere. I was just googling
some other rates. I see them at

1505
01:42:15.680 --> 01:42:18.279
seven percent. I see them a
little lower than seven and I'm talking to

1506
01:42:18.359 --> 01:42:21.520
thirty or fix. But I see
some companies that are close to eight.

1507
01:42:21.960 --> 01:42:26.279
I mean, don't shouldn't you shop
around a mortgage? And I hate to

1508
01:42:26.359 --> 01:42:29.560
say it to you, I mean
you're one of our sponsors, but shouldn't

1509
01:42:29.600 --> 01:42:32.439
you shop around? Absolutely? I
mean you asked Frank and Stephanie earlier.

1510
01:42:32.479 --> 01:42:35.439
You know, Look, there's a
lot of unscrupulous people out there that will

1511
01:42:35.520 --> 01:42:40.000
give you things or promise you things
that they can't deliver on. We see

1512
01:42:40.039 --> 01:42:43.880
it all the time. We see
below market rates offered day in and day

1513
01:42:43.960 --> 01:42:46.239
out by other companies that we know
they can't do that. And the trick

1514
01:42:46.319 --> 01:42:51.399
they're using is they will advertise an
FAHA interest rate because FAHA rates are typically

1515
01:42:51.520 --> 01:42:57.520
a point lower than conventional rates because
of the mortgage insurance. But they leave

1516
01:42:57.600 --> 01:43:01.039
that little detail out, and so
consumers are tricked into believing that that organization's

1517
01:43:01.079 --> 01:43:03.800
got a blow market interest rate,
when in fact they do not go with

1518
01:43:03.920 --> 01:43:09.039
a sure thing Denver's Best Roofer Excel
Roofing dot com. You don't pay a

1519
01:43:09.159 --> 01:43:16.079
cent until you're content. Wait time
for an insurance checkup free no obligation comparison

1520
01:43:16.239 --> 01:43:21.279
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

1521
01:43:21.359 --> 01:43:25.880
now three all three seven seven to
one help. You'll think you're his only

1522
01:43:26.000 --> 01:43:29.760
customer when you choose Frank durand the
real estate Man dot com to list your

1523
01:43:29.840 --> 01:43:34.039
home with Remax Alliance three all three
nine two zero sixteen twenty two. Yeah,

1524
01:43:39.479 --> 01:43:46.640
ripped up news. You need that? Who you don't have? Run

1525
01:43:46.720 --> 01:43:56.319
anxious as you can show? Shooter's
gonna help? Come is the Troubleshooter Show?

1526
01:43:56.960 --> 01:44:00.880
No, Tom Martinez Welcome, Welcome
to the show. Only you know

1527
01:44:00.960 --> 01:44:02.399
I mean that the only show of
it's kind. We're here to solve problems,

1528
01:44:02.399 --> 01:44:05.840
answer questions, stay complaints. Now's
a great time to get through to

1529
01:44:06.000 --> 01:44:10.359
us too. For the life of
me, I'll never understand call volume on

1530
01:44:10.479 --> 01:44:15.039
this show. The first two hours
all we had was busy lines in BAM.

1531
01:44:15.319 --> 01:44:17.159
For the life of me, I
will never get it. Tom and

1532
01:44:17.239 --> 01:44:20.640
I discuss that all the time.
But now is a great time if you

1533
01:44:20.800 --> 01:44:25.880
need to get through three zero three. Martina will fight for you. If

1534
01:44:25.920 --> 01:44:29.399
you've got a bad contractor you want
to point out or a bad experience with

1535
01:44:29.520 --> 01:44:32.399
a company, Honest to goodness,
this is your this is your place to

1536
01:44:32.520 --> 01:44:36.560
come. Three zero three seven,
one three eight two five five three ozho

1537
01:44:36.600 --> 01:44:41.239
three Martino. I've been lucky enough
to have some great guests in studio.

1538
01:44:41.319 --> 01:44:45.439
Frank Duran, who I've known forever. He sold our house in Castle Rocky,

1539
01:44:45.479 --> 01:44:49.720
helped us buy our house in frank
Town. Stephanie Thomas, friend of

1540
01:44:49.760 --> 01:44:53.960
the family forever. She's a realtor
up in the Pike's Peak region, So

1541
01:44:54.199 --> 01:44:57.600
Colorado Springs. How far do you
go, Stephanie? I mean, do

1542
01:44:57.600 --> 01:45:02.000
you sell stuff in Pueblo? Very
little in Pueblo, I mean like generally,

1543
01:45:02.159 --> 01:45:04.920
just not generally, just not.
And Frank, how far do you

1544
01:45:05.079 --> 01:45:09.439
go when it comes to north I
mean, do you go to four Collins

1545
01:45:09.560 --> 01:45:14.560
or no? I go as far
as Firestone and as far south as Castle

1546
01:45:14.640 --> 01:45:16.359
Rock and Parker. Okay, Gibney, I really want to ask this.

1547
01:45:16.479 --> 01:45:19.560
And by the way, Brent Ivenson
with Ideal Home Loans is on with this

1548
01:45:19.680 --> 01:45:23.680
as well. Brent, is he
up Dragon? Oh? By the way,

1549
01:45:23.800 --> 01:45:27.000
Dragons joined the show. So I
want to ask a secret on what

1550
01:45:27.159 --> 01:45:31.199
you guys do. Frank did something
that was perplexing to me when I first

1551
01:45:31.279 --> 01:45:34.359
met him years and years ago.
You came in, I hired you to

1552
01:45:34.439 --> 01:45:41.119
sell our house in Castle Rock,
and you actually set the price lower than

1553
01:45:41.159 --> 01:45:44.720
I thought we could get for it. And I was just based upon other

1554
01:45:44.880 --> 01:45:50.039
homes in my neighborhood, say models
selling, and you came in and priced

1555
01:45:50.079 --> 01:45:54.319
it lower. And I'm not going
to say I argued with you. I

1556
01:45:54.439 --> 01:45:58.000
trusted you. And I think a
lot of people go, what is wrong

1557
01:45:58.079 --> 01:46:00.920
with this guy? No wonder he
sells so many homes, he sells them

1558
01:46:00.960 --> 01:46:04.600
for less money. Yeah, but
that's not the case. Why do you

1559
01:46:04.760 --> 01:46:08.319
do that? Well? You know, Mark. And here's the thing I

1560
01:46:08.359 --> 01:46:10.560
always tell the sellers. Look,
you are the boss of the price,

1561
01:46:10.640 --> 01:46:12.640
not me. I'm going to give
you my suggestion. I'm going to show

1562
01:46:12.640 --> 01:46:14.239
you what works. I'm going to
show you why it works. I'm going

1563
01:46:14.319 --> 01:46:17.039
to show you real life examples,
and so I'll say, look, you

1564
01:46:17.119 --> 01:46:19.720
know, you could start higher if
you choose this is the pros and cons.

1565
01:46:19.760 --> 01:46:23.399
If you do that, you get
price here or here. Look at

1566
01:46:23.399 --> 01:46:26.239
this strategy here based on this market
and the lack of inventory. Look how

1567
01:46:26.319 --> 01:46:28.800
much demand you'll get. So the
one we put under contract the other day,

1568
01:46:29.159 --> 01:46:30.439
I think we got fifty two to
fifty three thousand over. We got

1569
01:46:30.479 --> 01:46:33.319
about twenty five thousand higher than evening. He thought we could, Like you

1570
01:46:33.359 --> 01:46:36.079
already know that, right, Yeah, it's not how you start the races,

1571
01:46:36.119 --> 01:46:40.279
how you finish. So my neighbor
and I hope she's well, I

1572
01:46:40.319 --> 01:46:44.600
hope she is listening. She went
with a realtor I've never heard of.

1573
01:46:45.720 --> 01:46:48.880
They had their house up for three
months last year, got maybe one or

1574
01:46:48.920 --> 01:46:53.439
two lookie loose, I think you
know my neighborhood. It's very hard to

1575
01:46:53.560 --> 01:46:57.399
comp Every house is different. Yeah, you can have a house it's built

1576
01:46:57.439 --> 01:47:00.840
in oh one, a house that
was built last year, and a house

1577
01:47:00.920 --> 01:47:03.279
built in the fifties. I mean, you can have homes with barns.

1578
01:47:03.319 --> 01:47:08.720
You can have homes with thirty five
acres and homes with six acres. It's

1579
01:47:08.880 --> 01:47:13.920
just different everywhere. So she had
it up two or three months. December

1580
01:47:14.039 --> 01:47:16.640
came, they took it off the
market. It sat for about two months

1581
01:47:16.680 --> 01:47:21.000
off market. She just put it
back up or the raltor did same exact

1582
01:47:21.079 --> 01:47:26.800
price. It sat for empty or
are with no offers. Why would anybody

1583
01:47:26.920 --> 01:47:30.720
do that? I think sometimes people
get more tide mark to the price and

1584
01:47:30.880 --> 01:47:32.680
the amount they build up in their
minds versus what the market's going to pay.

1585
01:47:33.359 --> 01:47:36.039
And you know, it's kind of
like that quarterback in the pocket.

1586
01:47:36.079 --> 01:47:39.000
There's a timing. He's got to
get rid of that ball. When he

1587
01:47:39.000 --> 01:47:41.119
sits there too long, pedaling around, you know what comes next. He

1588
01:47:41.199 --> 01:47:43.840
takes a sack. And that's what
happens in real estate when you sit on

1589
01:47:43.880 --> 01:47:45.399
the market too long. Hey,
Brent, I want to bring you into

1590
01:47:45.479 --> 01:47:49.600
something here. When people are shopping
and all of a sudden they really want

1591
01:47:49.680 --> 01:47:53.680
it and the price is going up, there is a small bidding war.

1592
01:47:53.760 --> 01:47:58.520
What Frank does and Stephanie does virtually
on every single home they touch or they

1593
01:47:58.640 --> 01:48:03.880
sell people that come in. And
I'll know I know this just from experience

1594
01:48:04.119 --> 01:48:09.640
when we are out in Louisiana looking
for homes. The fact I'm a cash

1595
01:48:09.760 --> 01:48:14.640
buyer is massive. I can close
in five days, and that is a

1596
01:48:14.760 --> 01:48:18.000
big part of it. So how
does someone Brent going through a lender like

1597
01:48:18.159 --> 01:48:25.199
Ideal Home Loans possibly compete with someone
that can close in you know, five

1598
01:48:25.319 --> 01:48:30.039
or ten days enough to run some
inspections or maybe even not. Maybe maybe

1599
01:48:30.119 --> 01:48:33.079
I'm just willing to close the next
day on that house and that's my prerogative.

1600
01:48:33.319 --> 01:48:38.479
So how does someone compete if they
have to have a mortgage, Well,

1601
01:48:38.520 --> 01:48:41.159
what you've got to do is get
fully preapproved, and that's what we

1602
01:48:41.279 --> 01:48:44.680
do. We go through everything.
We clear the income, we clear the

1603
01:48:44.760 --> 01:48:47.760
credit, we clear the assets,
we clear all the verifications so that when

1604
01:48:47.800 --> 01:48:51.359
they go write that offer, we
can close in as little as two weeks.

1605
01:48:51.399 --> 01:48:56.640
Because what you do find oftentimes when
you've got a cash buyer they like

1606
01:48:56.720 --> 01:49:00.000
to negotiate, is they head down
that path. They aren't typically foregoing inspections.

1607
01:49:00.359 --> 01:49:04.159
They're using that cash as leverage,
and when inspection items come up,

1608
01:49:04.239 --> 01:49:08.239
that's when they really start to put
the screws to the seller. So you

1609
01:49:08.319 --> 01:49:11.560
know, oftentimes you'll find that if
you've got someone who's fully pre approved with

1610
01:49:11.720 --> 01:49:15.399
a lender that can close quickly,
we find that we do very well in

1611
01:49:15.520 --> 01:49:18.239
this competitive market, even up against
cash buyers. And we also have a

1612
01:49:18.279 --> 01:49:21.520
cash buyer program of our own that
we can turn our buyers into cash if

1613
01:49:21.600 --> 01:49:25.439
need be. But we really don't
have a lot of issues with needing to

1614
01:49:25.520 --> 01:49:29.520
go that far. Yeah, it's
kind of crazy when you know if you

1615
01:49:29.680 --> 01:49:32.600
can do a cash purchase, because
it does it motivates that seller. If

1616
01:49:32.600 --> 01:49:36.479
I'm selling a property and Frank brings
me or Stephanie brings me a bunch of

1617
01:49:36.479 --> 01:49:40.520
offers, the ones that go right
to the top are the cash ones.

1618
01:49:40.840 --> 01:49:43.760
I mean, that's that's always going
to happen. But Brent said something that

1619
01:49:43.840 --> 01:49:47.760
made me think of a home we
put in an offer on in Louisiana and

1620
01:49:47.920 --> 01:49:51.880
Slide Dell. This was last year, and I think I was moaning and

1621
01:49:53.000 --> 01:49:59.199
grown in to Frank about this.
We put in a cash offer forty thousand

1622
01:49:59.560 --> 01:50:03.800
higher than what they were asking for. I said I would close in five

1623
01:50:04.239 --> 01:50:08.560
days. We didn't even look at
the property. Brent this, Uh.

1624
01:50:08.800 --> 01:50:12.640
We actually did a walk through with
our realtor out there on Zoom. But

1625
01:50:12.840 --> 01:50:15.319
she knew enough about Suzanne and I
she knew this was what we wanted.

1626
01:50:15.680 --> 01:50:21.920
So we make that offer. Submit
it, they decline it. They did

1627
01:50:23.039 --> 01:50:28.079
not close on that property for about
three months, and they ended up selling

1628
01:50:28.159 --> 01:50:32.199
it for less than I offered.
So someone came in, how does that

1629
01:50:32.399 --> 01:50:35.000
happen? I mean, Frank,
I've asked you this one hundred times?

1630
01:50:35.319 --> 01:50:40.039
How does it? Does it?
Let's be honest. Is my realtor suck

1631
01:50:40.520 --> 01:50:45.800
in in slidell? Well, Mark, did you ever watch mister Rogers when

1632
01:50:45.800 --> 01:50:50.479
you're a little kid. I'm joking, No, I'm shucks and guard guard

1633
01:50:50.640 --> 01:50:54.960
Yeah, no, you know,
honestly, Mark, it's boy. If

1634
01:50:55.239 --> 01:50:58.880
I recall, I think it had
something to do with it's like a community

1635
01:50:58.920 --> 01:51:01.000
thing over there. And they said, So here's what my realtor said when

1636
01:51:01.039 --> 01:51:04.960
I started hammering her on why we
didn't get it now, I thought someone

1637
01:51:05.079 --> 01:51:10.760
offered more money and that's why.
So you really don't know what happens until

1638
01:51:10.800 --> 01:51:14.119
it sells, and when it sells, so months later, when it's sold,

1639
01:51:14.199 --> 01:51:16.000
and how much it's sold for.
All of a sudden, I'm calling

1640
01:51:16.079 --> 01:51:19.119
her up and I'm going, what
the hell's the matter with you? How

1641
01:51:19.159 --> 01:51:24.680
did you possibly lose this for me? And all she could say. All

1642
01:51:24.800 --> 01:51:29.760
she could say is the neighbors wanted
to meet the people moving in, and

1643
01:51:29.880 --> 01:51:31.960
I think of myself going, now, wait a second, I've had a

1644
01:51:32.000 --> 01:51:34.600
lot of neighbors in my life.
When I go to sell my house,

1645
01:51:35.199 --> 01:51:40.680
you know what, I'm selling my
house. I'm not thinking about Joe Blow.

1646
01:51:41.199 --> 01:51:45.000
I mean, it's kind of crazy. Yeah, that's that is the

1647
01:51:45.039 --> 01:51:46.880
strange. It's rare. Mark.
I've never personally seen something like that and

1648
01:51:46.960 --> 01:51:50.840
offer taken like that personally. But
I think too, the hard part is

1649
01:51:50.880 --> 01:51:55.399
you're not there personally when your agents
having a conversation with the other agent.

1650
01:51:55.800 --> 01:51:59.199
That's why it's I want to ask
Brent something after this. I'm going to

1651
01:51:59.239 --> 01:52:02.039
take this call through three two five
five on an express lane. Hold on

1652
01:52:02.159 --> 01:52:06.159
Alex one second. I appreciate you
being patient, but Brent, I'm going

1653
01:52:06.239 --> 01:52:09.840
to ask you this afterwards. So
I'm going to give you a second to

1654
01:52:09.920 --> 01:52:13.399
think because it is kind of putting
you on the spot. But how long

1655
01:52:13.600 --> 01:52:15.840
up till the day of closing?
Another words, I'm going to phrase a

1656
01:52:15.960 --> 01:52:20.800
question like this and think about it. Really, if you find out a

1657
01:52:20.920 --> 01:52:27.239
client's gone through everything and the day
before closing or the day of somehow you

1658
01:52:27.399 --> 01:52:30.279
get win that they lost their job. Does that put the kebash on the

1659
01:52:30.359 --> 01:52:35.439
whole thing. Alex. What's going
on with your question on the express lane

1660
01:52:35.520 --> 01:52:45.680
Alex, Yeah, apparently my daughter
went to Denver from Springs in my wife's

1661
01:52:45.720 --> 01:52:51.800
car. Yeah, apparently she crossed
that solid big deal these days, man,

1662
01:52:51.880 --> 01:52:55.720
it's a big deal. You cross
it. It's a seventy five dollars

1663
01:52:55.800 --> 01:53:00.000
ticket. Yeah, it's a SEGNI
five. But the ticked it on my

1664
01:53:00.239 --> 01:53:04.439
wife's name. Yeah, that's it. That must mean the car is registered

1665
01:53:04.479 --> 01:53:10.159
in your wife's name. Yeah.
Yeah, my daughter was visiting from Germany.

1666
01:53:10.399 --> 01:53:13.680
Yeah. No, it sucks.
So you have a certain amount of

1667
01:53:13.760 --> 01:53:16.880
time, I believe from the time
you got the notice. On that notice

1668
01:53:16.960 --> 01:53:21.680
you can go through and appeals online
and that information should be on that notice.

1669
01:53:23.520 --> 01:53:28.760
If that appeal is denied, then
you have a certain amount of time

1670
01:53:28.920 --> 01:53:33.720
to ask for an actual magistrate or
a court case where you'll go in front

1671
01:53:33.720 --> 01:53:39.319
of the judge and try to prove
that it wasn't you. Now, whether

1672
01:53:39.760 --> 01:53:43.199
she owned the car or didn't,
I'm not quite sure how that part works

1673
01:53:43.279 --> 01:53:45.840
yet. They might simply say because
she owns the car, unless if it

1674
01:53:45.960 --> 01:53:50.600
was stolen and you gave authorization for
someone to drive it, still you still

1675
01:53:50.680 --> 01:53:53.920
owe it. But I'm not sure
about that part of the law, and

1676
01:53:53.960 --> 01:53:57.399
I would love to hear from someone
that has actually gone through it. But

1677
01:53:57.520 --> 01:54:00.159
what I do know, and I
want to stress to you if if you

1678
01:54:00.279 --> 01:54:03.279
are going to fight it, those
dates are very important. If you don't

1679
01:54:03.319 --> 01:54:08.840
do it within thirty days from that
notice or maybe forty, you give up

1680
01:54:08.960 --> 01:54:13.640
your right to actually appeal it and
see a judge, then you definitely owe

1681
01:54:13.680 --> 01:54:16.399
the money. And I think they
double it to one hundred and fifty bucks.

1682
01:54:17.560 --> 01:54:23.319
Mallam. Yeah, it's been like
a week and a half once you

1683
01:54:23.399 --> 01:54:26.079
got to notice. Yeah, so
I would go online and I've been to

1684
01:54:26.159 --> 01:54:29.840
that website. It is literally right
on that ticket somewhere. You go to

1685
01:54:29.920 --> 01:54:33.479
the website and the first part of
the appeal you can upload different files.

1686
01:54:33.560 --> 01:54:38.000
I saw the upload button and you
can give them your side to the story.

1687
01:54:38.079 --> 01:54:42.840
But once again, I don't know
if the fact that your daughter was

1688
01:54:43.039 --> 01:54:47.399
driving it if you have to turn
her in for example, or say if

1689
01:54:47.439 --> 01:54:53.159
the car was stolen. That's the
only part I'm very hazy on. I

1690
01:54:53.399 --> 01:54:57.439
just don't understand it. And then
that brings up a second matter of fact,

1691
01:54:58.159 --> 01:55:03.119
is I understand you don't have to
rat out your wife or your husband.

1692
01:55:03.319 --> 01:55:08.039
So if it was your wife or
a husband, I just don't know

1693
01:55:08.159 --> 01:55:11.760
that part. But man, Alex, we are getting calls on it three

1694
01:55:11.920 --> 01:55:16.840
four a week. Well did you
did you tell your daughter cop up to

1695
01:55:16.920 --> 01:55:21.640
seventy five bucks? Maybe that's where
this needs to go. No, No,

1696
01:55:23.159 --> 01:55:27.600
I just thought i'd call you guys
and see if you've heard of this

1697
01:55:28.479 --> 01:55:31.199
express lame fiasco. Yeah, and
it's gonna get worse, And I'll tell

1698
01:55:31.199 --> 01:55:34.079
you why it's gonna get worse.
Right now, there's double lines. People

1699
01:55:34.199 --> 01:55:40.239
hopefully will learn, like your daughter
or myself for that matter, or Tom,

1700
01:55:41.119 --> 01:55:44.479
not to cross the double lines because
you're gonna end up getting that ticket

1701
01:55:44.560 --> 01:55:47.079
or you risk atting it. And
then it's just a hassle no matter how

1702
01:55:47.119 --> 01:55:50.560
you look at it, in order
to fight a seventy five dollars ticket,

1703
01:55:50.600 --> 01:55:55.199
I think of the time and effort
it goes into that. In most cases

1704
01:55:55.319 --> 01:55:59.359
it's simply not worth it. But
wait till it's speeding, and that's coming

1705
01:56:00.760 --> 01:56:03.279
real quick. In other words,
they're going to have these speeding things out,

1706
01:56:03.359 --> 01:56:08.760
these high cameras set out and if
you're actually speeding, you're going to

1707
01:56:08.840 --> 01:56:13.359
get the same form of ticket in
the mail you've got thirty days to dispute

1708
01:56:13.399 --> 01:56:15.439
it and prove you're not speeding.
But yet they're going to be able to

1709
01:56:15.560 --> 01:56:19.479
prove that you were speeding. So
once that part's implemented, think of how

1710
01:56:19.600 --> 01:56:24.520
crazy it's going to be out there. And that's on the express lane.

1711
01:56:25.239 --> 01:56:28.359
I don't know where those cameras are
going to be set up, as far

1712
01:56:29.359 --> 01:56:32.319
as as far as my knowledge goes, I don't know if there's any setup

1713
01:56:33.079 --> 01:56:36.119
that are in operation. I don't
know where they're going to put them.

1714
01:56:36.199 --> 01:56:40.920
I would assume since they made them
legal last year, at least in the

1715
01:56:41.000 --> 01:56:45.600
state of Colorado, that any municipality
could probably put them up anywhere. But

1716
01:56:45.760 --> 01:56:48.960
I just don't know the answer to
that. I mean, it's just brand

1717
01:56:49.039 --> 01:56:54.239
new stuff. Man. Yeah,
okay, well, thank you very much.

1718
01:56:54.439 --> 01:56:58.760
You're welcome. I appreciate you because
a lot of people need that information.

1719
01:56:58.880 --> 01:57:01.359
I'm not kidding a lot of people. People don't realize if you break

1720
01:57:01.399 --> 01:57:05.159
out of that line, those double
lines, like on C four seventy or

1721
01:57:05.199 --> 01:57:09.359
twenty five going to Colorado Springs.
In fact, you drove down today,

1722
01:57:09.439 --> 01:57:12.479
right, Stephanie, Yes, did
you take the Express Line? I did

1723
01:57:12.560 --> 01:57:15.960
not. Is it open though it
is open, but they are charging for

1724
01:57:15.119 --> 01:57:18.520
it now where it's been free for
until now. Yeah. Yeah, So

1725
01:57:18.680 --> 01:57:21.680
now they're charging and we're getting calls
left and right. Save with c four

1726
01:57:21.800 --> 01:57:25.600
seventy oh yeah. If you come
in and out of there, they're going

1727
01:57:25.680 --> 01:57:27.760
to charge you every time. All
right, I gotta take a break.

1728
01:57:27.800 --> 01:57:30.800
Three oh three seven one three eight
two five five. We've got some great

1729
01:57:31.000 --> 01:57:36.239
information coming up. I mean it
right now with Joe. Just hold tight.

1730
01:57:36.279 --> 01:57:45.520
You'll see what I'm talking about in
a second. Go with a sure

1731
01:57:45.640 --> 01:57:49.119
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1732
01:57:49.159 --> 01:57:58.279
you're content than time for an insurance
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1733
01:57:58.359 --> 01:58:02.159
Insurance paying too much coverage at dozens
of insurance companies find out now three all

1734
01:58:02.239 --> 01:58:05.880
three seven to seven to one help. You'll think you're his only customer when

1735
01:58:05.920 --> 01:58:10.600
you choose Frank durand the real estate
Man dot com to list your home with

1736
01:58:10.760 --> 01:58:18.920
Remax Alliance three all three nine two
zero sixteen twenty two right for three oh

1737
01:58:19.000 --> 01:58:23.159
three seven one three eight two five
five. By the way, you want

1738
01:58:23.199 --> 01:58:27.920
to save a lot of money.
Compass Insurance. Compass Insurance group these guys.

1739
01:58:28.000 --> 01:58:30.840
All you have to do is send
over your declaration page. It can

1740
01:58:30.880 --> 01:58:33.680
be homeowners, it can be garage
keepers. If you own a company.

1741
01:58:33.760 --> 01:58:36.920
It can be workmen's comp. It
can be your car insurance. You send

1742
01:58:38.000 --> 01:58:42.600
it over. They're gonna shop thirty
forty different companies try to get you a

1743
01:58:42.640 --> 01:58:45.239
better rate, better coverage, and
man. Nine out of ten times they

1744
01:58:45.319 --> 01:58:48.159
do it save a lot of money. It's one hundred percent free. You

1745
01:58:48.239 --> 01:58:53.439
don't even have to leave the recliner. You just got an email or send

1746
01:58:53.479 --> 01:58:58.039
over some pictures of your current stuff. Compassinsurance dot com. Please, it's

1747
01:58:58.239 --> 01:59:00.760
very important. People wait so long
and they find out they could have saved

1748
01:59:00.880 --> 01:59:06.000
thousands of dollars a year, or
they find out they were undercovered on their

1749
01:59:06.119 --> 01:59:11.119
house and something happens and they can't
rebuild because they didn't have the coverage,

1750
01:59:11.399 --> 01:59:15.439
like what happened with the Boulder fires. Compass Insurance dot com. Peace of

1751
01:59:15.600 --> 01:59:19.680
mind. Let's just call it that. Three oh three seven one three eight

1752
01:59:19.800 --> 01:59:24.800
two five five. I'm gonna jump
right back to the phones. Comment on

1753
01:59:25.000 --> 01:59:28.920
express lines, Let me ask you
this, Larry, did you get popped

1754
01:59:28.960 --> 01:59:31.840
on the express line or what's your
comment? Uh? No, I didn't.

1755
01:59:32.239 --> 01:59:35.760
But this gentleman that called, I
think he said it was two weeks

1756
01:59:35.800 --> 01:59:40.640
ago he got the notice. Yeah, you said he got the notice two

1757
01:59:40.680 --> 01:59:44.520
weeks ago. Yep, yeah,
But the the fine is dated. The

1758
01:59:44.720 --> 01:59:47.319
deadline is dated from the date of
the letter, not when you get the

1759
01:59:47.439 --> 01:59:50.680
notice. So he may already be
out of time. Well, wait a

1760
01:59:50.720 --> 01:59:55.319
minute, he's that part. I
don't know. I understand what you're saying,

1761
01:59:55.359 --> 01:59:58.880
because you're right, it's the day
you get it in the mail,

1762
01:59:59.000 --> 02:00:01.600
according to what I on the state
site. So you're right, he's really

1763
02:00:01.760 --> 02:00:05.399
he really does have to look at
that and then if your spouse got it

1764
02:00:05.520 --> 02:00:09.520
or if you threw it away.
I think what's going to happen, Larry,

1765
02:00:09.600 --> 02:00:12.840
to a lot of people is the
bottom line is they're going to be

1766
02:00:12.920 --> 02:00:18.000
out of time. And what are
state legislature legislation? With the state legislation

1767
02:00:18.279 --> 02:00:23.600
saying that if you don't answer within
that timeframe, you give up your rights

1768
02:00:23.680 --> 02:00:27.439
to appeal. I think that's going
to happen more than it does not happen.

1769
02:00:28.119 --> 02:00:30.039
Right. Well, in the discussion
the tricky, I'll say this.

1770
02:00:30.199 --> 02:00:33.439
They're tricky bastards up there on the
hill, aren't they. Yeah, A

1771
02:00:33.520 --> 02:00:38.159
few weeks ago. A discussion you
had there with Tom was that he said

1772
02:00:38.199 --> 02:00:41.359
that it was from the date of
the letter, not the date that you

1773
02:00:41.560 --> 02:00:44.880
get the letter. It's the date
you get the letter, is my understanding.

1774
02:00:44.960 --> 02:00:46.880
I don't even know how they figure
out when you get the letter though,

1775
02:00:46.960 --> 02:00:49.880
you know what I'm saying, a
lot of those kinds of males have

1776
02:00:50.039 --> 02:00:55.479
a return notice. Oh that's true. You know what. That's true.

1777
02:00:55.520 --> 02:00:58.399
And the other thing that's changed with
this. Everybody, listen to me,

1778
02:00:58.920 --> 02:01:01.560
it's just like serve now they don't
have to serve you. Like a red

1779
02:01:01.640 --> 02:01:06.039
light camera in Greenwood Village, you
know those, you can pretty much throw

1780
02:01:06.119 --> 02:01:10.720
away and nothing's gonna happen. I'm
not saying you should do that by any

1781
02:01:10.840 --> 02:01:13.800
means. If you ran the light, you ran the light. But generally,

1782
02:01:14.319 --> 02:01:17.000
unless if you get service, you
don't have to do anything. Hey,

1783
02:01:17.359 --> 02:01:20.279
Brent Ivenson, I hear you there
in the background. Have you got

1784
02:01:20.359 --> 02:01:25.359
one of these tickets yet? Yes? Yes, I did pay my seventy

1785
02:01:25.399 --> 02:01:28.560
five dollars fine because I crossed the
double white line on C. Four seventy.

1786
02:01:28.680 --> 02:01:30.159
How about you, Frank, you
got one? Not yet, buddy,

1787
02:01:30.239 --> 02:01:34.079
not yet? No far And Stephanie
you haven't. I haven't got one.

1788
02:01:34.760 --> 02:01:41.359
So Tom was arguing about these,
and the day he was arguing,

1789
02:01:41.439 --> 02:01:44.720
the first time we talked about it, he got one in the mail.

1790
02:01:45.039 --> 02:01:49.439
Suzanne picks up his PO box stuff
and that's where the car was registered too.

1791
02:01:50.479 --> 02:01:56.079
We picked it up and there's his
literally crossing the line. And I

1792
02:01:56.359 --> 02:01:59.359
couldn't stop laughing. So long.
You need to tell Michael about this.

1793
02:02:00.039 --> 02:02:01.159
Oh they happened, there's so no, no, no, no, you

1794
02:02:01.279 --> 02:02:04.199
need to tell Michael about this though. What happen? Oh, he's horrible

1795
02:02:04.199 --> 02:02:06.640
about coating in and out of the
line. Does he really? Well?

1796
02:02:06.720 --> 02:02:10.319
It was free for so long.
A lot of people don't even realize.

1797
02:02:10.319 --> 02:02:13.439
Hey, Tom's got a real estate
question, Tom, what's your question?

1798
02:02:14.279 --> 02:02:17.000
Oh? Yeah? So is a
linked the article on the weekend edition of

1799
02:02:17.119 --> 02:02:25.359
Wall Street Drill that there's a regulations
coming that sellers will no longer be required

1800
02:02:25.479 --> 02:02:29.640
to pay the buyers agents commission.
All right, So what he's talking about

1801
02:02:29.760 --> 02:02:32.119
is actually a big lawsuit. I
forget who was it against Frank. We've

1802
02:02:32.199 --> 02:02:35.119
talked about this. Who was it? Yeah, this happened to Saint Louis.

1803
02:02:35.399 --> 02:02:38.600
I believe Mark. And what happened
is it had to do with the

1804
02:02:38.640 --> 02:02:43.720
gentleman had a home for sale and
the seller the home wasn't selling. So

1805
02:02:43.840 --> 02:02:45.840
I believe he says, Okay,
we're gonna have to reduce the price.

1806
02:02:45.960 --> 02:02:49.960
Can we lower the co op commission
in the computer? And allegedly the listing

1807
02:02:50.000 --> 02:02:53.920
agent says, well, we're not
allowed to do that because that's already an

1808
02:02:53.960 --> 02:02:57.520
advertised commission. So it became a
big thing. And you know, so

1809
02:02:58.000 --> 02:03:00.359
when you're talking about co op and
then Tom, I want you to hold

1810
02:03:00.399 --> 02:03:03.000
tight. We're gonna take a break. I'm gonna bring you back up because

1811
02:03:03.039 --> 02:03:08.600
you're bringing up something that, honest
to goodness, could change the entire real

1812
02:03:08.760 --> 02:03:15.640
estate the entire industry as this country
has ever known it. This ruling could

1813
02:03:15.680 --> 02:03:17.239
be one of the biggest things ever. And I'm gonna have Brent, I

1814
02:03:17.520 --> 02:03:19.840
say, hey, Brent, do
you know what we're talking about? Oh

1815
02:03:19.920 --> 02:03:23.800
yeah, yep. We're gonna all
chime in onto this. But this is

1816
02:03:23.960 --> 02:03:27.600
really big as far as the consumer
part of it. It could be good

1817
02:03:27.640 --> 02:03:30.520
for the consumer, that's what they're
kind of trying to advertise, But I

1818
02:03:30.840 --> 02:03:41.760
disagree. Hold tight, go with
a sure thing. Denver's Best roofer Excel

1819
02:03:41.880 --> 02:03:47.760
roofing dot Com you don't pay a
cent until you're content. Time for an

1820
02:03:47.800 --> 02:03:53.560
insurance checkup free, no obligation.
In comparison, call Compass Insurance paying too

1821
02:03:53.680 --> 02:03:57.920
much your coverage at dozens of insurance
companies find out now three o three seven

1822
02:03:57.920 --> 02:04:00.079
to seven to one. Help.
You'll think you're his only customer when you

1823
02:04:00.199 --> 02:04:04.359
choose Frank durand the real estate man
dot com to list your home with Remax

1824
02:04:04.399 --> 02:04:12.359
Alliance three oh three nine two zero
sixteen twenty two. All right, this

1825
02:04:12.479 --> 02:04:16.159
one's big, it's gnar, that's
what Frank referred to it as. So

1826
02:04:16.279 --> 02:04:23.159
it's basically the National Association of Realators, this family or this guy or this

1827
02:04:23.319 --> 02:04:30.439
gal. I'm not sure Sitzer sit
Zer versus the National Association of Realtors.

1828
02:04:30.479 --> 02:04:32.479
So I don't want to get into
the weeds on this, but Frank,

1829
02:04:32.560 --> 02:04:40.800
basically what happened was they were upset
that they ended up paying the buyer's agent,

1830
02:04:41.119 --> 02:04:45.760
right exactly. Yeah, And he
wanted the seller allegedly wanted to see

1831
02:04:45.840 --> 02:04:47.520
if we can they could lower the
commission. He said it was already advertised.

1832
02:04:47.520 --> 02:04:50.319
They weren't allowed to do that as
with. So, so now let's

1833
02:04:50.359 --> 02:04:55.880
talk about real world when you have
a buyer, and you bring that buyer

1834
02:04:55.960 --> 02:05:00.960
to my house to look at in
the agreement, the listing agreement that I

1835
02:05:00.199 --> 02:05:04.119
have with my realtor. And in
this case it wouldn't be you because you're

1836
02:05:04.199 --> 02:05:10.359
representing the buyer. I'm the seller. So I agreed in there to a

1837
02:05:10.479 --> 02:05:15.079
co op and that co op is
generally what Frank, typically we'll see a

1838
02:05:15.119 --> 02:05:16.960
round between two and a half to
two point eight percent typically, so each

1839
02:05:17.439 --> 02:05:21.119
side makes two point eight It depends
on how it gets negotiated. Mark.

1840
02:05:21.199 --> 02:05:25.520
But yeah, but you're right.
I mean it's it's it's all negota talking,

1841
02:05:25.680 --> 02:05:29.680
very just win stuff. Right,
So they have this fee, and

1842
02:05:29.840 --> 02:05:34.319
it does bring one good question up. Why does the seller? And this

1843
02:05:34.560 --> 02:05:40.640
is perplexing to me And the only
reason I never thought of it before is

1844
02:05:40.760 --> 02:05:44.600
because I've bought a lot of property
and it's never been different. So I

1845
02:05:44.760 --> 02:05:49.000
don't understand where this even started from. How Come? How come the seller

1846
02:05:49.079 --> 02:05:54.239
pays everybody's bills? Why is that? Where did that start? And Brent,

1847
02:05:54.439 --> 02:05:59.000
please feel free to jump into go
ahead, Frank, Okay, what

1848
02:05:59.119 --> 02:06:00.560
I was going to say, Mark, what it really comes down to is

1849
02:06:00.640 --> 02:06:04.800
this the seller, the listing agent
and seller will agree upon a commission.

1850
02:06:05.279 --> 02:06:09.359
That listing agent will then take a
portion of that commission and throw it out

1851
02:06:09.359 --> 02:06:11.560
there to the market. Is a
co op to create demand. That's really

1852
02:06:11.600 --> 02:06:13.680
what it is. I get you, But I'm going back to the same

1853
02:06:13.760 --> 02:06:16.680
thing. Why is it the buyer's
responsibility? It's not, but it is.

1854
02:06:17.000 --> 02:06:19.560
That's how it works everywhere. Well, okay, think of it like

1855
02:06:19.640 --> 02:06:23.960
that. No, no, I'm
sorry. Why is it the sellers responsibility?

1856
02:06:24.039 --> 02:06:27.640
Why? Yeah, it's technically not
mark Really, it's it's all negotiat.

1857
02:06:27.640 --> 02:06:30.439
They could offer zero if they chose. Really, but think of it

1858
02:06:30.560 --> 02:06:31.640
like this. Pretend you're a real
estate agent for a minute, kay,

1859
02:06:32.159 --> 02:06:35.479
and you know, probably your buyer
cannot afford to pay you a commission for

1860
02:06:35.520 --> 02:06:39.079
your works. You're probably going to
get a split co op with the listing

1861
02:06:39.079 --> 02:06:41.560
agent, do a share, you
know, commission whatever. And so you

1862
02:06:41.640 --> 02:06:43.680
go on the computer and you're going
to show ten homes and you say,

1863
02:06:43.680 --> 02:06:45.560
okay, two point a two point
eight, two point five zero. How

1864
02:06:45.640 --> 02:06:48.439
motivated are you as a buyer's agent
to show the home that's offering zero?

1865
02:06:48.600 --> 02:06:53.560
Probably not, you're not zero,
So it's not probably not, you're not.

1866
02:06:53.720 --> 02:06:56.600
Yeah, it's all negotiable. But
I'm saying, you said, one

1867
02:06:56.680 --> 02:07:00.800
thing is why the only reason I
think we are where we are on how

1868
02:07:00.880 --> 02:07:04.520
we buy and sell homes in this
country. And here is where I'll ask

1869
02:07:05.119 --> 02:07:11.640
our mortgage broker, and I'll tell
you why, our lender, Brent Ivenson.

1870
02:07:11.720 --> 02:07:16.039
Listen to me, Brent, I
think that if the buyer had to

1871
02:07:16.159 --> 02:07:20.439
pay the seller out of pocket,
it would totally change this market. I

1872
02:07:20.520 --> 02:07:25.600
don't even know what it would look
like after that. Because let's just take

1873
02:07:25.640 --> 02:07:30.680
a first time home buyer that can
barely scrape together three percent, or go

1874
02:07:30.880 --> 02:07:34.800
through chaffa, go through all these
other things. There's no way they can

1875
02:07:34.880 --> 02:07:41.079
turn around and handle hand someone.
I mean, we're talking twenty thousand dollars

1876
02:07:41.159 --> 02:07:44.000
in a lot of cases, right
right, No, And I agree.

1877
02:07:44.039 --> 02:07:47.000
I mean, look, you're taking
an already difficult uphill situation and making it

1878
02:07:47.119 --> 02:07:50.079
even more difficult. And then here's
the other thing too. On that side

1879
02:07:50.119 --> 02:07:56.039
of it, a first time home
buyer going out and trying to represent themselves

1880
02:07:56.119 --> 02:08:01.119
and getting through the contract process and
navigating the whole and higher transaction is going

1881
02:08:01.199 --> 02:08:03.680
to be really difficult. I mean, they are going to be put in

1882
02:08:03.760 --> 02:08:09.520
a very tough situation. You know, it's that's why there's representation for the

1883
02:08:09.640 --> 02:08:13.239
buyer. Ye buyer needs a representation, and is Frank mentioned, look it

1884
02:08:13.319 --> 02:08:16.600
is all negotiable. But to his
point, and look, I see it

1885
02:08:16.640 --> 02:08:20.760
in the neighborhood I live in.
We have a realtor in our neighborhood who

1886
02:08:20.920 --> 02:08:24.159
lists house with no co op and
they get no showings and then lo and

1887
02:08:24.279 --> 02:08:26.600
behold they list it again and there's
a co op involved. And so it

1888
02:08:26.760 --> 02:08:30.680
just goes to show you that that's
what's going to drive the market, is

1889
02:08:30.760 --> 02:08:35.359
if they've got a seller's agent being
paid through the transaction, they're going to

1890
02:08:35.399 --> 02:08:37.680
go put that on and they're going
to go work and put that house in

1891
02:08:37.800 --> 02:08:41.960
their contract. And I honestly,
and I was talking about that realtor in

1892
02:08:41.039 --> 02:08:45.800
slideel. Some of the homes I
found I found on Zillo and I had

1893
02:08:45.880 --> 02:08:48.520
to ask her about them because they
they might have not been zero, but

1894
02:08:48.600 --> 02:08:52.720
they were less than a point.
And I actually said something to her,

1895
02:08:52.720 --> 02:08:54.359
I said, is this why you're
not showing them to me? So I

1896
02:08:54.439 --> 02:08:58.760
mean, okay, you guys,
take your you know, pull your dresses

1897
02:08:58.880 --> 02:09:01.199
up, whatever you call it.
If you're out there and I'm your client,

1898
02:09:01.319 --> 02:09:05.520
and I'm looking for a home in
Highlands ranch. Are you going to

1899
02:09:05.560 --> 02:09:07.199
show me that one percent co op
has? Frank? So, Mark,

1900
02:09:07.279 --> 02:09:11.800
this is how it gets handled upfront, before you take the buyer out.

1901
02:09:11.359 --> 02:09:15.279
You have an understanding with them upfront
that if they won't pay the co op,

1902
02:09:15.399 --> 02:09:18.239
that that buyer's responsible for paying the
commissions. You want to make sure

1903
02:09:18.279 --> 02:09:20.239
that understanding is upfront, got it
before you take them out. Stephanie,

1904
02:09:20.279 --> 02:09:24.800
Well, that's what I wanted to
say. So contracts are different state to

1905
02:09:24.880 --> 02:09:28.199
state, and this is a national
lawsuit, so it's not necessarily the way

1906
02:09:28.319 --> 02:09:33.840
our contracts address it here and in
Colorado, our buyer's agency contract defines how

1907
02:09:33.920 --> 02:09:39.000
we get paid. We have that
amount in writing and again that signed between

1908
02:09:39.119 --> 02:09:41.920
us and our buyer. Just like
our listing contracts, we have that listing

1909
02:09:41.960 --> 02:09:46.479
commission where we discuss that it might
be x percent and then x percent we're

1910
02:09:46.520 --> 02:09:50.600
going to offer as a co op
that's going to pay that buyer's agent.

1911
02:09:50.680 --> 02:09:54.159
So that's a conversation that I have. I know Frank has too, but

1912
02:09:54.279 --> 02:09:56.920
I have that with every one of
my clients going forward. So it's very

1913
02:09:58.000 --> 02:10:00.880
cut and dry in Colorado how we
get paid. So you don't think this

1914
02:10:01.079 --> 02:10:05.479
national lawsuit will affect Colorado. I'm
not saying that if they do go in

1915
02:10:05.640 --> 02:10:09.680
and change ultimately laws in the way
things happen, it's gonna it's gonna affect

1916
02:10:09.720 --> 02:10:15.600
everybody. But not all states have
their agreements to find out like ours.

1917
02:10:15.800 --> 02:10:18.840
And I will say this about commissions, who cares Because, honestly, Frank,

1918
02:10:18.880 --> 02:10:22.560
when you sold my house, I'm
sure that photographer that came in and

1919
02:10:22.720 --> 02:10:28.640
did the three D walk through,
the outside shots, the cleaning crew you

1920
02:10:28.800 --> 02:10:33.079
sent in to clean the entire house, the staging crew to make it look

1921
02:10:33.159 --> 02:10:35.960
good. I mean that money just
doesn't just doesn't pop up. It just

1922
02:10:37.079 --> 02:10:41.680
doesn't. I mean that money comes
from somewhere. In fact, Barry has

1923
02:10:41.760 --> 02:10:45.479
a comment on commissions. Hold on, Barry, hold on everybody, Hold

1924
02:10:45.479 --> 02:10:52.079
tight. Go with a sure thing
Denver's Best roofer Excel roofing dot com.

1925
02:10:52.279 --> 02:10:58.039
You don't pay a cent until you're
content. Time for an insurance check up,

1926
02:10:58.119 --> 02:11:03.000
free, no obligation comparison call Compass
Insurance, pay too much your coverage

1927
02:11:03.000 --> 02:11:07.840
at dozens of insurance companies find out
now three oh three seven seven to one

1928
02:11:07.960 --> 02:11:11.640
help. You'll think you're his only
customer when you choose Frank durand the real

1929
02:11:11.720 --> 02:11:16.279
estate Man dot com to list your
home with Remax Alliance three oh three nine

1930
02:11:16.319 --> 02:11:22.319
two zero sixteen twenty two. All
right, folks, listen, we're up

1931
02:11:22.359 --> 02:11:24.359
against clock three oh three seven one
three A two five five. I want

1932
02:11:24.399 --> 02:11:30.279
to take a couple real quick comments
or questions. Hold on, hold on,

1933
02:11:30.399 --> 02:11:31.560
I'm getting back to my call screener. Hey, by the way,

1934
02:11:31.640 --> 02:11:35.319
don't forget help in troubleshooter dot com. You got any issues, you can

1935
02:11:35.399 --> 02:11:41.159
always email us at help at troubleshooter
dot com or call three oh three Martino

1936
02:11:41.439 --> 02:11:45.079
anytime of day and hopefully we can
help you out. If we don't answer,

1937
02:11:45.199 --> 02:11:48.560
you can leave a message three oh
three Martino help at troubleshooter dot com.

1938
02:11:48.640 --> 02:11:52.039
Remember we do this Monday through Friday, ten am to two. We

1939
02:11:52.199 --> 02:11:56.159
do it live on YouTube as well. You can check us out go to

1940
02:11:56.239 --> 02:12:01.479
YouTube, type in Troubleshooter network.
Hopefully we got some updates on that moving

1941
02:12:01.600 --> 02:12:05.279
company that the old lady screwed over
for fifteen hundred and other updates tomorrow.

1942
02:12:05.359 --> 02:12:09.560
But Mike has a quick question on
real estate. Go ahead, Mike,

1943
02:12:09.199 --> 02:12:15.560
Yeah, I called a listing agent
in the fall about listing my house and

1944
02:12:15.720 --> 02:12:20.319
he wanted six percent. If I
sell my house for five hundred thousand,

1945
02:12:20.399 --> 02:12:22.920
that's thirty thousand dollars. Yeah,
I know it is. But isn't that

1946
02:12:22.079 --> 02:12:26.199
the co op when you guys assume
that's both sides or what I know you're

1947
02:12:26.279 --> 02:12:33.000
guessing. I'm going to guess out. I mean, the last time I

1948
02:12:33.079 --> 02:12:37.520
bought a house, we paid three
three and a half, twenty years ago.

1949
02:12:37.640 --> 02:12:39.960
You know that I can't tell you. I mean, I could say

1950
02:12:39.960 --> 02:12:43.600
because Biden's in office, I don't
know. I'm being facetious, but I

1951
02:12:45.199 --> 02:12:48.479
really don't know why it's creeped up. But like I know, Frank negotiates.

1952
02:12:48.520 --> 02:12:52.840
So if Frank was to sell it
and you thought that was unreasonable,

1953
02:12:52.920 --> 02:12:56.359
he'd have a real conversation with you. He can look same with Stephanie.

1954
02:12:56.399 --> 02:12:58.560
They can go, Okay, well
the photographer is going to be this much

1955
02:12:58.600 --> 02:13:01.399
blah blah blah blah. But anyhow, I got to say this Frank Durand

1956
02:13:01.439 --> 02:13:05.880
the real estate man. Check him
out at Frank durand Holmes dot com.

1957
02:13:05.439 --> 02:13:09.560
Brent Ivanson Ideal Home Loans, Brent, thanks for being here. Remember they

1958
02:13:09.600 --> 02:13:13.600
have the interest rate guarantee. So
if you're forced to refire. Buy now.

1959
02:13:13.760 --> 02:13:18.600
Call Ideal Home Loans dot com,
Ideal Home Loans dot com. Stephanie

1960
02:13:18.720 --> 02:13:24.960
Thomas, Stephanie, I Love You. If you're in the Springs, you use Stephanie