WEBVTT 1 00:00:01.720 --> 00:00:06.440 Welcome to Mortgage Talk with Mark Harriston, the program that not only talks about 2 00:00:06.480 --> 00:00:10.599 mortgages, taxes, and interest rates, but Mark and his guest talk real 3 00:00:10.679 --> 00:00:14.880 estate trends and your home. He also answers your mortgage questions to help you 4 00:00:14.919 --> 00:00:20.239 make the right financing for refinancing decisions. Now here's Mark Hairston. Hey, 5 00:00:20.399 --> 00:00:24.160 y'all, welcome to a mortgage Talk with Mark Harriston. As you might notice, 6 00:00:24.239 --> 00:00:28.519 this is not Mark Harriston on the air today. I'm actually Leona Borslino. 7 00:00:29.000 --> 00:00:35.039 I am his marketing director, and Mark is actually on a little vacation 8 00:00:35.159 --> 00:00:38.880 right now, little R and R in Colorado. So today I am on 9 00:00:38.960 --> 00:00:43.039 air and actually have brought onto the air with me a special guest. Her 10 00:00:43.079 --> 00:00:48.039 name is Kaitlyn Balderis. She's actually my broker at Haven Homes. So say 11 00:00:48.039 --> 00:00:51.119 hello, Hello, thank you for having me, and thank you Mark for 12 00:00:51.200 --> 00:00:55.560 this opportunity. Yes, I'm very excited to have Kate on here. She's 13 00:00:55.600 --> 00:00:58.359 actually been a guest before with Mark. But like I said, now that 14 00:00:58.640 --> 00:01:02.439 Mark's out of town, we're just kind of take over and have two female 15 00:01:02.560 --> 00:01:06.159 voices on the air today, So I'm sure Mark doesn't mind too much. 16 00:01:07.359 --> 00:01:08.840 But anyway, I know Mark is actually going to be listening in, So 17 00:01:08.920 --> 00:01:14.359 what's up, Mark, And I hope you have an awesome time in Colorado, 18 00:01:15.120 --> 00:01:18.799 safe flight and enjoy that UT game. So so, yeah, I 19 00:01:18.840 --> 00:01:22.959 really love working with Mark. What stands out to me the most is I 20 00:01:23.040 --> 00:01:26.000 love to tell him he's been doing this longer than I've been alive, so 21 00:01:26.200 --> 00:01:32.239 since nineteen eighty six, And I think that's important to know because he knows 22 00:01:32.319 --> 00:01:36.959 everything. He's been through market cycles, He's been through every kind of situation 23 00:01:37.040 --> 00:01:40.400 you can think of, and he knows how to look at someone's file and 24 00:01:40.599 --> 00:01:45.280 find solutions for potential problems with getting qualified. He can look at all the 25 00:01:45.280 --> 00:01:48.840 different loan programs, and he's very easy to work with and communicate with. 26 00:01:48.959 --> 00:01:53.319 So I really enjoy working with him, and I'm really thankful for the opportunity 27 00:01:53.400 --> 00:01:59.840 to discuss this today. Yeah. So, actually Kaylin is actually the one 28 00:02:00.079 --> 00:02:05.480 introduced me to Mark. So I actually just got into real estate a little 29 00:02:05.519 --> 00:02:08.360 over a year ago. So I am also a realtor and I joined Haven 30 00:02:08.360 --> 00:02:14.520 Holmes with Kaitlin. Actually met her through a Bible study and I had a 31 00:02:14.520 --> 00:02:19.199 prayer request, and my prayer request was that I remembered everything on the test 32 00:02:19.240 --> 00:02:21.919 because I was really nervous, and I heard it was like a fifty one 33 00:02:22.039 --> 00:02:27.479 percent pass rate, and I wanted to pass on the first time, and 34 00:02:27.520 --> 00:02:30.840 so I just asked, you know, for prayer from everybody to you know, 35 00:02:30.400 --> 00:02:35.400 help me pass on the very first time. And Caitlyn pulled me aside 36 00:02:35.400 --> 00:02:37.719 afterwards and she's like, I don't know if you know this or not, 37 00:02:38.319 --> 00:02:40.759 but I have my own brokerage. I got to Haven Holmes and I was 38 00:02:40.840 --> 00:02:44.919 like, oh, I didn't actually answer to prayer, right, you can 39 00:02:44.960 --> 00:02:47.759 pass the test and then you can work with me. And yes, it's 40 00:02:47.800 --> 00:02:51.919 been wonderful ever since. And I'm super proud of you for how much you 41 00:02:51.960 --> 00:02:55.759 have achieved. This young lady is a rock star. She's just totally killed 42 00:02:55.759 --> 00:02:59.759 it her first year. And I'm very, very thankful to have you at 43 00:02:59.800 --> 00:03:02.240 Hey even Holmes, thank you. It's exciting time to get into the industry, 44 00:03:02.240 --> 00:03:07.439 that's for sure. So I actually am grateful I got in after everything 45 00:03:07.639 --> 00:03:10.879 was awesome and amazing. Apparently, like the dream years for realtors, I 46 00:03:10.960 --> 00:03:15.319 missed it all. Dream in a nightmare a little bit, a little bit, 47 00:03:15.120 --> 00:03:19.080 but I missed it all. So I missed the height of all that, 48 00:03:19.120 --> 00:03:21.439 but I think that it might actually be good because I wasn't, like 49 00:03:22.840 --> 00:03:24.719 I guess, disillusioned of what it's supposed to be like, and so I've 50 00:03:24.719 --> 00:03:29.120 had to work a little bit. Yeah, I think harder. Right now, 51 00:03:29.159 --> 00:03:34.879 I would say we're back into a normal kind of market. We call 52 00:03:34.919 --> 00:03:39.680 those years the unicorn years. I think it's important for homeowners and potential buyers 53 00:03:39.680 --> 00:03:45.319 to understand that was an outlier that is not likely to happen again. We 54 00:03:45.360 --> 00:03:49.919 are back into a normal flow of business. We have a normal cycle in 55 00:03:50.000 --> 00:03:54.599 the Austin area that kind of goes when school starts, things slow down and 56 00:03:54.639 --> 00:04:00.199 then things pick up right around this time between Labor Day and the holiday day, 57 00:04:00.479 --> 00:04:03.159 slows down over the holidays, and then picks back up usually around February, 58 00:04:03.680 --> 00:04:08.639 and then goes until school starts again. So we didn't have that during 59 00:04:08.800 --> 00:04:12.879 the unicorn years of the COVID market, but we do. Everything's kind of 60 00:04:12.879 --> 00:04:15.240 gone back into normal, so it is still a really good market. I 61 00:04:15.240 --> 00:04:19.199 know that a lot of media is negative about it, but I do think 62 00:04:19.279 --> 00:04:24.959 that it is a more balanced market. It's more fair for both the buyers 63 00:04:25.000 --> 00:04:28.639 and the sellers. I'm seeing a lot of really good deals for buyers out 64 00:04:28.639 --> 00:04:32.360 there. Sellers are still you know, making good money. It's really a 65 00:04:32.360 --> 00:04:36.680 good market. So I get that question a lot. Should I buy? 66 00:04:36.720 --> 00:04:41.360 Should I wait? I think, especially if you're renting, it really is 67 00:04:41.800 --> 00:04:46.199 good to start investing in yourself as soon as possible. The rates have been 68 00:04:46.240 --> 00:04:49.959 a big topic. My favorite phrase right now is Mary the house date the 69 00:04:50.040 --> 00:04:56.839 rate, you can refinance the rate later with Mark and so yes, but 70 00:04:57.639 --> 00:05:00.160 I do think that once the rates start to go down, it's going to 71 00:05:00.240 --> 00:05:04.079 be a trigger for people to think it's a good deal again, and then 72 00:05:04.199 --> 00:05:08.160 it's going to be crazy again. And there's going to be a lot of 73 00:05:08.160 --> 00:05:12.839 competition in this market. So if you can secure the lower home price now, 74 00:05:13.000 --> 00:05:15.079 you can refinance the rate later and still have a better deal on your 75 00:05:15.079 --> 00:05:19.240 house. Right Absolutely, I would actually completely agree with this. I was 76 00:05:19.360 --> 00:05:23.879 yesterday, I think I was on social media and I was watching some videos 77 00:05:23.920 --> 00:05:30.600 and someone said that they thought that the airbnb market was gonna crash everything and 78 00:05:30.639 --> 00:05:32.600 cause it all to burn. And I thought about that for a minute because 79 00:05:32.639 --> 00:05:39.199 I've actually been working with quite a few clients and Airbnb's right now. One 80 00:05:40.240 --> 00:05:43.920 particular pair of clients are my parents, so which by the way, today 81 00:05:44.040 --> 00:05:47.240 is their forty second anniversary, So happy anniversaries to my parents, Dan and 82 00:05:47.240 --> 00:05:53.360 Cynthia Borcelino. But anyway, they bought an airbnb last year in Waco, 83 00:05:53.519 --> 00:05:55.600 and this was, you know, the first deal that I had done, 84 00:05:56.279 --> 00:06:00.639 and they broke even within ten months. It's amazing. I I am a 85 00:06:00.680 --> 00:06:08.639 really big proponent of actually not even consuming media except for from trusted sources because 86 00:06:08.959 --> 00:06:14.040 their goal is just to drive fear and so I definitely say look at the 87 00:06:14.079 --> 00:06:18.480 people you know and real people and get information that right, because they're still 88 00:06:18.600 --> 00:06:23.160 tons of success in the airbnb market. Absolutely. I actually think it's kind 89 00:06:23.199 --> 00:06:25.959 of ridiculous to even hear that, and they're trying to put a lot of 90 00:06:25.959 --> 00:06:30.160 regulations on it because people are being so successful in the AIRB and B market, 91 00:06:30.680 --> 00:06:31.720 So you really need to look at that, like follow the money. 92 00:06:32.000 --> 00:06:35.839 The hotel industry doesn't want people in the airbnb business anymore. They're kind of 93 00:06:35.839 --> 00:06:41.439 trying to monopolize that stop from stopping people from being able to do airbnb's. 94 00:06:42.040 --> 00:06:46.079 So that's really what people should be paying attention to. So I try to 95 00:06:46.120 --> 00:06:48.680 share a lot of data because data doesn't lie and you know, as long 96 00:06:48.720 --> 00:06:53.319 as it's from a trusted source, and so I try to share a lot 97 00:06:53.360 --> 00:06:59.199 of long term data. So when you look at rates over decades, seven 98 00:06:59.600 --> 00:07:02.160 six is actually pretty low. I mean, if you ask anyone who bought 99 00:07:02.160 --> 00:07:05.199 a house in the eighties, like, they are like twelve percent, seventeen 100 00:07:05.240 --> 00:07:10.399 percent, and people still bought houses. So we just got accustomed to a 101 00:07:11.040 --> 00:07:16.480 three percent four percent rate because the government was buying the mortgage bonds for fifteen 102 00:07:16.560 --> 00:07:19.480 years to get us out of the Great Recession of two thousand and eight. 103 00:07:19.680 --> 00:07:24.600 And they're not doing that anymore. So I would say it's probably expected to 104 00:07:24.639 --> 00:07:28.959 stay in the fives for a long time at least, but that is still 105 00:07:28.959 --> 00:07:32.879 a really good deal when you look at historical data. So data over media 106 00:07:32.920 --> 00:07:38.000 and fear is my motto. Yes, I completely agree with that. Okay, 107 00:07:38.040 --> 00:07:43.399 So right now, how would you say you're doing currently with clients and 108 00:07:43.439 --> 00:07:46.120 how is business within the Haven Homes? I mean, I kind of know 109 00:07:46.120 --> 00:07:49.800 how everything's going with our listeners, don't, So what's going on with Haven 110 00:07:49.839 --> 00:07:54.279 Homes right now? Well, I would say it's going really well. You 111 00:07:54.319 --> 00:07:59.800 know those couple of years that were really crazy, it has continued to be 112 00:08:00.160 --> 00:08:05.319 very successful for myself and the agents at Haven Homes. There's five agents, 113 00:08:05.399 --> 00:08:09.399 and I'm very proud of every single one of them. When I hear a 114 00:08:09.399 --> 00:08:13.279 lot of chatter on some of the real term message boards that they're slow, 115 00:08:13.439 --> 00:08:16.800 that they can't find enough business, that's not true. With my agents, 116 00:08:16.800 --> 00:08:20.879 I've seen them be very busy and very successful, and so I'm proud of 117 00:08:20.920 --> 00:08:26.920 them. And for me personally, I follow all the trends, I keep 118 00:08:26.959 --> 00:08:31.399 up with all of the market data, and I believe in pricing things really 119 00:08:31.399 --> 00:08:35.320 well so that they don't sit on the market for a long time. So 120 00:08:35.879 --> 00:08:41.600 kind of had a good sample this summer where I put up five listings within 121 00:08:41.639 --> 00:08:46.440 a month and they all four out of the five sold within a week. 122 00:08:46.639 --> 00:08:50.200 One sold within the month, And that really is a great sign of our 123 00:08:50.240 --> 00:08:54.840 market that when you price things as actually they sell well. And so all 124 00:08:54.879 --> 00:08:58.200 my clients were very happy they were able to move on to their next chapters. 125 00:08:58.279 --> 00:09:01.720 And so that's what I'm seeing on the listing side. I'm seeing that 126 00:09:01.799 --> 00:09:07.360 if you are appropriately pricing things, they're selling quickly. For the buyers, 127 00:09:07.480 --> 00:09:11.080 I'm seeing them being able to get their closing costs covered. Sometimes again, 128 00:09:11.200 --> 00:09:16.200 we had none of that during the unicorn years, but during this market, 129 00:09:16.360 --> 00:09:18.559 you know, it can be part of the negotiation, and especially in new 130 00:09:18.600 --> 00:09:24.840 construction, they are buying down the rates sometimes and then they're also covering a 131 00:09:24.840 --> 00:09:28.559 lot of the closing costs. So at the end of the day, my 132 00:09:28.639 --> 00:09:31.440 goal is to help my clients invest in their future, whether it is their 133 00:09:31.559 --> 00:09:41.480 primary residence or an investment property. If you invest in property that over decades 134 00:09:41.639 --> 00:09:43.799 is the best long term investment you can make. So we're not talking about 135 00:09:43.919 --> 00:09:48.600 short game. We're talking about long game. So if you have to live 136 00:09:48.639 --> 00:09:52.000 somewhere anyway, you might as well be paying yourself, right. If you 137 00:09:52.080 --> 00:09:56.840 have extra money to invest, it would be wise to invest into a property, 138 00:09:56.559 --> 00:10:01.279 have someone else pay the mortgage for you, and build equity over time. 139 00:10:01.679 --> 00:10:05.240 So I'm very passionate about that. Actually, our tagline for Haven Homes 140 00:10:05.320 --> 00:10:09.320 is investing in dreams through real estate, because once you have that equity, 141 00:10:09.559 --> 00:10:13.840 you can buy the dream house, or you can get a home equity line 142 00:10:13.879 --> 00:10:16.519 of credit, or sell the house and use that equity to start a business, 143 00:10:16.600 --> 00:10:20.639 or help your children with college, or pay for weddings or whatever it 144 00:10:20.720 --> 00:10:26.679 is that you want to do. You can achieve those dreams through the equity 145 00:10:26.720 --> 00:10:31.840 that you're earning. And I just think as believers, you know, we 146 00:10:31.919 --> 00:10:37.480 are to be responsible in the money that God gives us, and so investing 147 00:10:37.559 --> 00:10:41.759 it is a wise thing for your legacy, for your future homeowners. I 148 00:10:41.799 --> 00:10:45.600 don't know the stats off the top of my head, but homeowners have a 149 00:10:45.840 --> 00:10:52.919 very very high level of wealth compared to renters because of their home and the 150 00:10:52.960 --> 00:10:56.679 equity in their homes. So I'm very passionate about that and also teaching the 151 00:10:56.720 --> 00:11:01.639 agents that work with me to impart that wisdom to their clients as well. 152 00:11:01.799 --> 00:11:05.720 Right, So Haven Holmes is actually located in Round Rock, Texas. So 153 00:11:05.159 --> 00:11:09.279 there's any agents out there who are Christians are looking for a brokerage to join 154 00:11:09.320 --> 00:11:13.440 that's a little bit smaller. Maybe, you know, you don't really want 155 00:11:13.440 --> 00:11:16.159 to go to like Keller Williams, which not thrown shade at Keller Williams or 156 00:11:16.200 --> 00:11:20.279 anything. I was at Keller Williams. It's a great brokerage as well, 157 00:11:20.320 --> 00:11:24.759 but it is a different feel. So we are a boutique brokerage. So 158 00:11:24.919 --> 00:11:28.519 I started this company. God gave me the idea. I actually asked God 159 00:11:28.559 --> 00:11:33.759 if he was crazy, but obviously it's not. So he showed me how 160 00:11:33.759 --> 00:11:37.440 to start this brokerage completely on my own, so I'm not affiliated with any 161 00:11:37.480 --> 00:11:41.600 other kind of corporate structure, And he just put these things in my heart 162 00:11:41.720 --> 00:11:46.679 of wanting to have a company that helped other people be successful, that had 163 00:11:46.759 --> 00:11:52.000 affordable splits and caps, which is a real estate term for how we, 164 00:11:52.240 --> 00:11:56.799 you know, get paid and how much we pay into the brokerage, and 165 00:11:56.919 --> 00:12:03.480 just really wanted to provide one on one training, support, coaching, trainings. 166 00:12:03.879 --> 00:12:07.559 Just wanted to provide what I felt like were some of the things that 167 00:12:07.600 --> 00:12:11.840 made me successful. I started at a small boutique Christian company. I actually 168 00:12:11.840 --> 00:12:18.039 started with the realtor that sold me my house and shout out to Jason and 169 00:12:18.159 --> 00:12:22.200 Frank. Wouldn't view here without y'all. So I just really appreciated how they 170 00:12:22.240 --> 00:12:28.000 trained me and I wanted to take that into my company. And so that's 171 00:12:28.039 --> 00:12:31.159 the goal. The goal is for all of the agents who work for me 172 00:12:31.200 --> 00:12:35.360 to be successful. A lot of brokerages will just hire anybody and some you 173 00:12:35.440 --> 00:12:39.559 might do a deal or two a year. My goal is for all of 174 00:12:39.559 --> 00:12:43.159 my agents to be doing this full time and at the level that they want 175 00:12:43.240 --> 00:12:46.519 to be doing it, but they can provide a life for their family that 176 00:12:46.559 --> 00:12:52.080 they wouldn't have been able to otherwise. Right. I'll actually say that I'm 177 00:12:52.080 --> 00:12:54.080 now in my second year of real estate, but within the first eight months 178 00:12:54.200 --> 00:12:58.159 of working and having my license, I capped, yes, And I think 179 00:12:58.159 --> 00:13:03.519 I Kate a little bit there. She wasn't prepared for me to cap so 180 00:13:03.639 --> 00:13:09.120 quickly, but I was all about it pleasantly. But we went out and 181 00:13:09.120 --> 00:13:11.919 celebrated and we had we went to Jack Allens and had a really awesome dinner 182 00:13:13.080 --> 00:13:15.759 and it was just a lot of fun. And so I also think that 183 00:13:15.840 --> 00:13:20.080 Kate does a great job at just making sure that all of the agents that 184 00:13:20.120 --> 00:13:24.080 are working there know that they're appreciated. You. I'm like a little mama. 185 00:13:24.159 --> 00:13:28.399 I'm like really proud of all of you, and every time you have 186 00:13:28.440 --> 00:13:31.840 a success, that just makes me happy. And just want to support all 187 00:13:31.840 --> 00:13:37.240 of the agents in whatever ways they need. And I think too, like 188 00:13:37.279 --> 00:13:41.840 when I started this, I have four children. My youngest was one, 189 00:13:41.000 --> 00:13:46.360 I mean he was a baby, and so I appreciated that Jason would work 190 00:13:46.399 --> 00:13:50.120 around my schedule for training. So you know, sometimes the only time to 191 00:13:50.159 --> 00:13:54.240 write the contract or do the training is after the kids go to bed, 192 00:13:54.320 --> 00:13:58.159 and I'm happy to accommodate that because I know how hard it is to be 193 00:13:58.320 --> 00:14:03.360 a working mom and for you know you, real estate doesn't sleep and it 194 00:14:03.399 --> 00:14:07.879 doesn't have normal hours and so right, oh my god, So you just 195 00:14:07.960 --> 00:14:11.759 have to accommodate everybody. But I'm happy to do it. Okay. So 196 00:14:11.799 --> 00:14:16.960 if there's anybody out there that's listening that is interested in either listing their home 197 00:14:18.200 --> 00:14:20.840 or are wanting to buy, or maybe there's a realtort out there, an 198 00:14:20.879 --> 00:14:24.000 agent that's kind of not wanting to be at the brokers that they're working at 199 00:14:24.000 --> 00:14:30.240 anymore and might like to join Haven Holmes and be with around people that will 200 00:14:30.279 --> 00:14:33.000 pray for you and you know, are you know connected to the Holy Spirit 201 00:14:33.039 --> 00:14:37.159 as I'd like to say, But how can people get ahold of you and 202 00:14:37.240 --> 00:14:41.440 Haven Homes and you know, website, phone number and email all that stuff. 203 00:14:41.519 --> 00:14:46.120 Yes, So the easiest way is usually through social media. So our 204 00:14:46.240 --> 00:14:50.960 name on social media is at Haven Holmes Austin on everything, so Instagram and 205 00:14:50.039 --> 00:14:56.000 Facebook primarily. Our website is Haven Holmes Austin dot com. My phone number 206 00:14:56.200 --> 00:15:01.399 is five one two nine nine nine seven three three. All of those ways, 207 00:15:01.399 --> 00:15:05.200 I'm completely accessible and then you can also check us out and see you 208 00:15:05.240 --> 00:15:09.840 know what we do. I try to make real estate as fun and peaceful 209 00:15:09.879 --> 00:15:13.399 as possible. It is listed in the top five most stressful things that people 210 00:15:13.440 --> 00:15:20.320 ever go through in their life right behind I think it's death and divorce, 211 00:15:20.519 --> 00:15:26.799 divorce and then it's moving and so I part of what God has given me 212 00:15:26.840 --> 00:15:31.320 and my personality is just I really want everyone to be as calm and peaceful 213 00:15:31.360 --> 00:15:37.240 as possible. So I try to provide that through just expertise and guidance and 214 00:15:37.320 --> 00:15:41.240 taking the fear out of it, but then also trying to make it a 215 00:15:41.279 --> 00:15:45.799 little funny because then it just takes away the pressure. But I really do 216 00:15:45.879 --> 00:15:48.639 try to impart that to every single client, every single agent, and I 217 00:15:48.639 --> 00:15:54.240 work with for There's also on the website if you click buy or sell, 218 00:15:54.240 --> 00:15:58.200 that will take you to a page that gives us a little more information about 219 00:15:58.200 --> 00:16:02.000 what you're looking for and send it straight to us so we can reach out 220 00:16:02.039 --> 00:16:07.440 to you. And then if you're an agent that's thinking about coming over making 221 00:16:07.440 --> 00:16:11.200 a change for your brokerage, you can contact me through there. We can 222 00:16:11.200 --> 00:16:15.960 get coffee, we can have a phone call and talk about what it would 223 00:16:15.960 --> 00:16:19.799 be like to work together. And I'm always looking for agents that even if 224 00:16:19.840 --> 00:16:22.480 you're not an agent yet, if you're wanting to become an agent, I'm 225 00:16:22.480 --> 00:16:26.879 happy to have that conversation with you on what it looks like and I'll be 226 00:16:26.919 --> 00:16:30.919 honest and realistic with you. And then for agents that are already experienced, 227 00:16:32.240 --> 00:16:37.000 just people with high integrity, you know, biblical principles, just treating others 228 00:16:37.039 --> 00:16:41.080 how you want to be treated, always putting the client's needs before your own, 229 00:16:41.200 --> 00:16:44.200 having a really hard work ethic because at the end of the day, 230 00:16:44.440 --> 00:16:48.639 we're working for the Lord. So you know, we need, especially if 231 00:16:48.639 --> 00:16:53.120 we're going to advertise that we're a Christian company and we're Christian agents, we 232 00:16:53.519 --> 00:16:57.799 need to really take that seriously because we don't want to dishonor the Lord. 233 00:16:57.960 --> 00:17:03.160 So we need to listen to the Holy Spirit and how we run our business. 234 00:17:03.599 --> 00:17:10.079 And so I'm definitely always open to having more agents that fit that profile. 235 00:17:10.400 --> 00:17:12.799 Awesome. Also, if you do reach out, please make sure to 236 00:17:12.799 --> 00:17:18.359 mention that you heard us here on the radio at the Bridge. So and 237 00:17:18.440 --> 00:17:21.759 if you're looking to get pre approved first, because that's always like the first 238 00:17:21.759 --> 00:17:25.279 step is to get pre approved. Mark is a great lender. So reach 239 00:17:25.319 --> 00:17:30.599 out to Mark and you can email him Mark at Mark Kirston dot com and 240 00:17:30.240 --> 00:17:34.240 he will take care of you. Yes, And I have a company policy 241 00:17:34.279 --> 00:17:38.359 actually that I don't let any of the agents show properties without a pre qualification, 242 00:17:40.440 --> 00:17:44.160 mainly because we don't want to get anyone's hopes up on something that they 243 00:17:44.200 --> 00:17:47.400 can't have. I don't think that's nice. Thank you for that, Kia, 244 00:17:47.519 --> 00:17:49.880 You're welcome. So definitely, if you reach out to us, that's 245 00:17:49.880 --> 00:17:55.160 going to be our first question, and it's not for any reason other than 246 00:17:55.200 --> 00:17:59.480 we want to serve you well. So then we would connect you with Mark, 247 00:17:59.559 --> 00:18:03.240 who has a super easy process to get pre qualified. And some people 248 00:18:03.319 --> 00:18:06.839 get a little afraid of getting pre qualified and I want to take all the 249 00:18:06.880 --> 00:18:10.799 fear out of that. It is never a no, it's either a yes 250 00:18:11.400 --> 00:18:14.480 or yes if you do these things. So if Mark says, hey, 251 00:18:14.519 --> 00:18:17.240 I can't qualify you right now, but if you do this, this, 252 00:18:17.319 --> 00:18:21.680 and this, then you're good to go. Then we know how the price 253 00:18:21.799 --> 00:18:25.160 range to show you in houses, We know that you can actually have something 254 00:18:25.240 --> 00:18:29.240 if you find something you want. So it is just all around best practice 255 00:18:29.279 --> 00:18:32.759 to do that, and Mark makes it very very easy for you. Absolutely. 256 00:18:33.359 --> 00:18:36.759 Actually, I was kind of curious if you could tell one of I 257 00:18:36.759 --> 00:18:38.160 mean, I don't know, if you've worked on several deals, with many 258 00:18:38.319 --> 00:18:45.839 deals with Mark, let's reflect or have some nostalgia here one of your awesome 259 00:18:45.880 --> 00:18:48.720 deals that you've had before, talk about a little bit since Mark. I 260 00:18:48.720 --> 00:18:52.599 hope you're listening. Yes, I mean, they're they're all they've all been 261 00:18:52.720 --> 00:18:56.599 very smooth for the most part. If they're not smooth, it's never it's 262 00:18:56.640 --> 00:19:02.480 never Mark's fault. So I had some clients they're actually my friend's parents, 263 00:19:02.720 --> 00:19:06.640 and they wanted to move here to be closer to them, and it was 264 00:19:06.720 --> 00:19:08.920 a little complicated. They had a house to sell in California, and then 265 00:19:08.960 --> 00:19:12.400 we were going to be contingent on their purchase here, and there was just 266 00:19:12.519 --> 00:19:18.200 a lot of moving parts on it, and it was all being handled remotely 267 00:19:18.240 --> 00:19:21.680 as well, because they were still in California. So he just really came 268 00:19:21.720 --> 00:19:25.319 in and handled everything so smoothly. We had a couple bumps in the road 269 00:19:25.480 --> 00:19:29.680 on the sales side of their house in California, and he was able to 270 00:19:29.759 --> 00:19:33.480 navigate everything really easily, communicate really well. And you know, it's kind 271 00:19:33.480 --> 00:19:37.839 of funny because I have a lot of relocation clients and sometimes we don't meet 272 00:19:37.839 --> 00:19:41.359 each other until closing, or if they closed remotely, I don't meet them 273 00:19:41.400 --> 00:19:47.559 in person till later. And so I was visiting those clients and Dan and 274 00:19:47.799 --> 00:19:52.599 Coco Graham and they said, you know what, we never met Mark and 275 00:19:52.640 --> 00:19:56.799 he was so great and I'd love to meet him. And I said, 276 00:19:56.799 --> 00:20:00.240 oh, let's do this. So we just recently here. We went out 277 00:20:00.240 --> 00:20:06.000 to lunch together, the four of us, and we went to Papados Yes, 278 00:20:06.720 --> 00:20:11.119 and it was lovely and Mark treated us, which was very very generous 279 00:20:11.119 --> 00:20:12.720 and kind. None of us were expecting that. And Mark is a very 280 00:20:12.759 --> 00:20:18.400 generous, a very very generous person, and so we really enjoyed ourselves and 281 00:20:18.400 --> 00:20:22.319 connected and got to put faces to voices. And I just think that speaks 282 00:20:22.319 --> 00:20:26.599 a lot to who Mark is as a person and as a businessman that he 283 00:20:26.920 --> 00:20:30.079 know he owns the company, he is the owner of Texas Mortgage Source, 284 00:20:30.680 --> 00:20:34.440 but he's still willing to go out and men meet his clients face to face, 285 00:20:34.480 --> 00:20:37.920 and I just really enjoy working with him. Yeah, I would absolutely 286 00:20:37.920 --> 00:20:41.839 say that. I I don't know if I've met anybody that goes to the 287 00:20:41.880 --> 00:20:45.279 links that he does to make sure that his clients feel appreciated. Yeah. 288 00:20:45.400 --> 00:20:51.359 So, and that's not just clients for buyers, it's also agents, Yes, 289 00:20:51.680 --> 00:20:55.160 definitely. Well. I think another thing that stood out to me working 290 00:20:55.160 --> 00:21:02.480 with Mark is he doesn't really advertise like he does stuff like this where people 291 00:21:02.559 --> 00:21:06.680 can hear about him, but it's he's providing a service and education through this 292 00:21:06.920 --> 00:21:10.240 program. But then on top of it, he just treats his rultures very 293 00:21:10.279 --> 00:21:15.680 well. He does trainings for them, you know, gifts and lunches and 294 00:21:15.960 --> 00:21:18.319 and I think that's the smartest way to be in business. My son actually 295 00:21:18.440 --> 00:21:22.480 is thinking about being a mortgage lender. I told him, you need to 296 00:21:22.519 --> 00:21:26.240 train with Mark. You need to see how he does it, because he's 297 00:21:26.319 --> 00:21:30.599 kept this business going through all of these ups and downs of the real estate 298 00:21:30.640 --> 00:21:33.680 cycle. And I think he has an excellent business model. Are you talking 299 00:21:33.680 --> 00:21:37.640 about your son, Tucker? My son, Tucker. He's seventeen, And 300 00:21:37.920 --> 00:21:41.000 yes, he's thinking about being a mortgage lender. We'll have to mention that 301 00:21:41.079 --> 00:21:44.680 to Mark. Yes, so very cool. He's met Mark. Actually he 302 00:21:44.720 --> 00:21:48.000 went out to lunch with him and shared with him some stuff about being a 303 00:21:48.079 --> 00:21:52.759 lender. Really, we'll see there you go like exactly, that's exactly what 304 00:21:52.839 --> 00:21:56.920 we're talking about with Mark's character. So that's really awesome. Well, let's 305 00:21:56.960 --> 00:22:00.359 see what else we mentioned just a little bit of the market going on right 306 00:22:00.359 --> 00:22:04.279 now actually have let's see, I just I'm trying to think, Oh, 307 00:22:04.319 --> 00:22:08.839 we actually now work in Waco, So I've been having a lot of business 308 00:22:08.839 --> 00:22:12.720 in Waco, which is kind of interesting that I've had so many yeas going 309 00:22:12.720 --> 00:22:18.640 on in Waco. Yeah, So for Haven Homes, we have a very 310 00:22:18.759 --> 00:22:22.240 large market area, so we do all of the Austin area, but we 311 00:22:22.279 --> 00:22:27.799 are now extending, like Leanna said, into Temple Belton Waco. We joined 312 00:22:27.799 --> 00:22:30.880 the Waco Board so that we can serve clients up there, so if you 313 00:22:30.920 --> 00:22:37.480 have anyone interested up there, we can help them. And then going south, 314 00:22:37.519 --> 00:22:40.839 I mean we really can go to San Marcos, we can go out 315 00:22:40.839 --> 00:22:42.839 to Dripping Springs, we can go pretty far east and west. Like, 316 00:22:42.880 --> 00:22:47.839 we have a very large market area, so if you are interested in any 317 00:22:47.880 --> 00:22:51.599 of those more outlying areas, we definitely have people that can help you. 318 00:22:52.160 --> 00:22:57.079 So if you have any questions at all about the areas we work, or 319 00:22:57.200 --> 00:23:02.359 how we work, or just getting started, I think that's seems to be 320 00:23:02.400 --> 00:23:03.839 a barrier for some people. It's like, how I don't even know where 321 00:23:03.880 --> 00:23:07.440 to start, and that's where we come in. We would love to guide 322 00:23:07.440 --> 00:23:10.720 you through the process and hold your hand through it. So you know, 323 00:23:10.960 --> 00:23:14.880 for buyers, like we discuss, it starts with getting prequalified and then we 324 00:23:15.000 --> 00:23:19.039 go over the whole process with you. With sellers, it starts with preparing 325 00:23:19.079 --> 00:23:25.119 your home for listing. You know, usually decluttering a little bit. Maybe 326 00:23:25.319 --> 00:23:27.119 I'm just doing some touch ups around the house, and we will guide you 327 00:23:27.160 --> 00:23:30.200 through that process all the way. Come in, check in, help you 328 00:23:30.240 --> 00:23:33.359 in any way we can, and then you know, list the home and 329 00:23:33.400 --> 00:23:37.640 get it sold hopefully quickly. Right. I actually have some clients we're going 330 00:23:37.720 --> 00:23:41.799 to probably hopefully be going live in the next two weeks here, and I 331 00:23:41.880 --> 00:23:47.079 just went to their house and they're still in the decluttering process phase. And 332 00:23:47.119 --> 00:23:51.960 I also recommended that they powerwashed the outside and their front of their house because 333 00:23:51.960 --> 00:23:55.599 it's all white brick, and I mean a simple power awah should really clean 334 00:23:55.640 --> 00:23:57.559 that up, make it look sharp. Yeah, it's not as much as 335 00:23:57.599 --> 00:24:02.039 people usually think it is to get their house ready, but there's these small 336 00:24:02.079 --> 00:24:06.039 things that you can do that are very affordable that like a huge difference difference. 337 00:24:06.599 --> 00:24:11.599 And just I always tell people, we don't call it decluttering, and 338 00:24:11.680 --> 00:24:15.599 we call it pre packing because you're moving anyway, so let's just go ahead 339 00:24:15.599 --> 00:24:19.519 and put some of it in boxes. Yeah. Absolutely, Also, real 340 00:24:19.599 --> 00:24:22.680 quick, a little perk for myself. I'm just going to throw this out 341 00:24:22.720 --> 00:24:26.559 here, which, by way, my email is Leanna L. E A 342 00:24:26.920 --> 00:24:30.079 N n A at Haven Holmes Austin dot com if you'd like to reach out 343 00:24:30.119 --> 00:24:33.720 to me. But my background is actually in filmmaking. I've been a filmmaker 344 00:24:33.759 --> 00:24:40.799 for fifteen years and I've won awards all over the world, a little over 345 00:24:40.839 --> 00:24:45.279 forty awards, so for some a documentary that I made called Another Child. 346 00:24:45.279 --> 00:24:49.799 But I do offer extra services of making reels. I have a drone, 347 00:24:49.880 --> 00:24:53.359 so I can do drone video and I don't charge anything extra for any of 348 00:24:53.400 --> 00:24:56.960 that. So I do think that's a little bit of a perk and just 349 00:24:57.000 --> 00:25:02.240 a little shameless plug for myself. Yeah, definitely. And I actually think 350 00:25:02.319 --> 00:25:06.279 that if you contact us and you say that you heard us on this program, 351 00:25:06.319 --> 00:25:08.519 we'd be willing to give you a credit at closing. So just make 352 00:25:08.559 --> 00:25:12.400 sure you mentioned that if you are interested in working with us, a little 353 00:25:12.400 --> 00:25:18.279 perk for our friends on the radio. So I'm just so thankful that you 354 00:25:18.319 --> 00:25:22.119 had me on today that we could talk about real estate and talk about Jesus. 355 00:25:22.160 --> 00:25:26.680 And I just think it's really really cool how God weaves all of our 356 00:25:26.759 --> 00:25:30.319 stories together and that we get to work together so real quick. If you 357 00:25:30.359 --> 00:25:33.599 need to get pre approved, that's the first step. Contact Mark Mark at 358 00:25:33.599 --> 00:25:38.480 Mark Kirstin dot com. And if you would like to reach out to us 359 00:25:38.519 --> 00:25:42.839 because you need an agent, how could make contact UK through the website Haven 360 00:25:42.920 --> 00:25:47.480 Holmes Austin dot com. And what's a good phone number to reach you in? 361 00:25:47.640 --> 00:25:51.799 Five one two nine, nine nine three seven three three And my phone 362 00:25:51.839 --> 00:25:53.559 number, by the way three one zero, five zero, two eight four 363 00:25:53.599 --> 00:25:57.480 or five two. And again I work for Haven Holmes and Kate is my 364 00:25:57.559 --> 00:26:03.240 proker and Mark is a really awesome lender that we enjoy working with. So 365 00:26:03.000 --> 00:26:07.079 thank you all for tuning in today. Have a blast week. Mark. 366 00:26:07.160 --> 00:26:11.680 We hope that you have a safe flight back and when you get back, 367 00:26:11.680 --> 00:26:15.319 we're ready to hit the ground filming again. So and uh yeah, I 368 00:26:15.400 --> 00:26:18.880 guess that's about it. Thank you so much for tuning on. Last day 369 00:26:18.119 --> 00:26:25.240 by this has been mortgage Talk with Mark Hairston. Mark is a mortgage advocate 370 00:26:25.279 --> 00:26:30.799 with Texas Mortgage Source LLC, offering personalized mortgage solutions, fast customized quotes, 371 00:26:32.000 --> 00:26:37.839 great rates, and service with integrity. Contact Mark at Mark Hairston dot com 372 00:26:37.839 --> 00:26:41.400 Marc Hairston dot com. You can call our text Mark at five one two 373 00:26:41.519 --> 00:26:47.359 seven eight nine sixty nine sixty seven. That's five one two seven eight nine 374 00:26:47.559 --> 00:26:52.000 sixty nine sixty seven and come back next week for more mortgage talk.