WEBVTT - Study Hall: Home Buying Process with MG the Mortgage Guy 0:00:00.400 --> 0:00:04.280 You just realized your business needed to hire someone yesterday. 0:00:04.800 --> 0:00:09.520 How can you find amazing candidates fast? Easy? Just use Indeed. 0:00:09.960 --> 0:00:12.680 Stop struggling to get your job posts seen on other 0:00:12.760 --> 0:00:16.439 job sites. With Indeed sponsored jobs, your post jumps to 0:00:16.480 --> 0:00:19.000 the top of the page for your relevant candidates, so 0:00:19.120 --> 0:00:22.119 you can reach the people you want faster. According to 0:00:22.160 --> 0:00:26.120 Indeed data, sponsored jobs posted directly on Indeed have forty 0:00:26.120 --> 0:00:30.040 five percent more applications than non sponsored jobs. 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And give us new podcast 0:01:18.800 --> 0:01:22.680 resistance posts, SAYI T John Thomas Jr. Brings us stories 0:01:22.680 --> 0:01:24.800 from the front lines of the movement for Black lives, 0:01:25.040 --> 0:01:27.720 told by the generation fighting for the change. It's a 0:01:27.720 --> 0:01:30.280 show about people refusing to accept things as they are 0:01:30.600 --> 0:01:33.480 and how we can make sure this time really is different. 0:01:33.840 --> 0:01:42.280 Resistance is out now, follow and listen for free on Spotify. 0:01:43.240 --> 0:01:49.280 My graduates from my school being forced back drop, Mike, 0:01:49.400 --> 0:01:50.760 drop backdrop. 0:02:01.480 --> 0:02:03.200 Oh that's how you're doing it now. 0:02:03.640 --> 0:02:06.280 That's what we're doing now, my stupid son. 0:02:07.960 --> 0:02:10.560 That's that's how we're giving it up there. Brolly. 0:02:12.040 --> 0:02:15.880 All right, bro, I'm getting all my eyes getting bad. Man. 0:02:16.480 --> 0:02:19.960 I like the red backdrop. Those those prescription glasses. 0:02:20.040 --> 0:02:24.480 Yeah, I got I like scripting them. I'll be you know, 0:02:24.480 --> 0:02:26.600 I'll be in front of these computer monitors all day. 0:02:26.600 --> 0:02:26.799 Man. 0:02:26.919 --> 0:02:29.360 So eighteen years sitting in front of a desk and 0:02:29.360 --> 0:02:32.080 looking at computers to kind of like hurt your eyes 0:02:32.080 --> 0:02:33.400 at some point, you know, I. 0:02:33.520 --> 0:02:35.359 Feel on that. Man, I think I'm about to get 0:02:35.360 --> 0:02:36.040 reading glasses. 0:02:37.280 --> 0:02:40.680 Yeah, these are my good I got scripts on these. 0:02:40.760 --> 0:02:42.760 I got scripts on my other one. But yeah, man, 0:02:42.840 --> 0:02:43.680 we here, man. 0:02:44.280 --> 0:02:47.040 Let's let's do it. Man. So, Yeah, we were just 0:02:47.040 --> 0:02:47.520 telling people. 0:02:47.520 --> 0:02:49.280 He was in Atlanta and we came back and we 0:02:49.360 --> 0:02:51.600 had to actually move off flight up just to actually 0:02:51.600 --> 0:02:52.280 make this happen. 0:02:52.320 --> 0:02:54.880 Because we had to make this happen. No, no, no 0:02:55.000 --> 0:02:55.760 way around it. 0:02:56.240 --> 0:02:58.360 So I just get Atlanta is different, y'all. 0:02:59.280 --> 0:03:03.800 We've got to shout he was out there looking twelve hours. 0:03:04.280 --> 0:03:05.920 Yeah, you know, I had to put up for twelve 0:03:06.000 --> 0:03:06.800 hours real quick. 0:03:06.880 --> 0:03:07.080 You know. 0:03:07.919 --> 0:03:10.000 It was a good look out there. But Atlanta is different. 0:03:10.040 --> 0:03:10.160 Man. 0:03:10.200 --> 0:03:14.440 It's like nothing happened, Like COVID doesn't even in Wakanda. 0:03:14.520 --> 0:03:16.760 It's like a force field out there. Man, It's like 0:03:17.120 --> 0:03:19.400 not a masking sight except for people who come from 0:03:19.480 --> 0:03:19.880 up north. 0:03:20.520 --> 0:03:23.119 Heya, we got a funny story we're gonna tell you after. 0:03:23.200 --> 0:03:26.480 But the place we went after we ate came up 0:03:26.480 --> 0:03:27.440 in an interview. 0:03:27.320 --> 0:03:29.320 We did really. 0:03:34.040 --> 0:03:36.240 In a recent one shot. 0:03:36.280 --> 0:03:38.840 Yes, that's a big one. Ye. 0:03:40.000 --> 0:03:43.680 Arguably, that arguably might be our biggest episode to date. 0:03:45.840 --> 0:03:48.640 Yeah, that I think. I think that's gonna go virals. 0:03:48.680 --> 0:03:49.440 Prepare yourself. 0:03:50.040 --> 0:03:52.080 It's a good chance, good chance, a good chance of 0:03:52.160 --> 0:03:53.080 that going viral. 0:03:53.040 --> 0:03:53.720 Real good chance. 0:03:54.040 --> 0:03:56.880 You know. We've got to show mister Leon, how shout 0:03:57.520 --> 0:03:59.200 trapper shout. 0:03:58.960 --> 0:04:01.760 Out to trapper man. Nothing but love for the god trap. 0:04:01.560 --> 0:04:02.600 Man, Atlanta. 0:04:02.760 --> 0:04:05.200 Everybody's in Atlanta right now. Man, it's no place like Atlanta. 0:04:05.280 --> 0:04:07.720 Right in Atlanta, I can't front. Atlanta got it. And 0:04:08.280 --> 0:04:10.520 I love New York, but you're trying to leave us. 0:04:10.720 --> 0:04:11.960 Atlanta got it right now. 0:04:13.680 --> 0:04:17.800 Atlanta got it, definitely. New York is dead. Unfortunately, New 0:04:17.880 --> 0:04:21.600 York is dead, y'all. Atlanta at night is like the 0:04:21.640 --> 0:04:23.880 city last year. You know what I'm saying. Right now, 0:04:23.960 --> 0:04:25.800 New York, you're going, You're go on the city. Man, 0:04:26.200 --> 0:04:26.880 it's terrible. 0:04:26.920 --> 0:04:27.120 Man. 0:04:28.080 --> 0:04:30.120 Somebody said, this is live live. Yeah, this is live. 0:04:30.200 --> 0:04:33.160 This is actually happening right now. Current is live, This 0:04:33.240 --> 0:04:34.080 is currently happening. 0:04:34.080 --> 0:04:35.480 We just we just read what you said. 0:04:37.160 --> 0:04:42.400 So so yeah, man, Matt, that is just a brilliant dude, everybody. 0:04:42.520 --> 0:04:44.160 I told the stories of a million times. I'll tell 0:04:44.160 --> 0:04:48.159 the story again. But we did the last episode two 0:04:48.160 --> 0:04:50.919 weeks ago. A week ago, Uh one O four episode 0:04:50.920 --> 0:04:53.279 one of four. You haven't watched EYO one O four yet, 0:04:53.279 --> 0:04:56.080 you're doing yourself committed to service a bunch of bunch 0:04:56.120 --> 0:04:59.120 of gyms. All the clips on Instagram went crazy viral 0:04:59.640 --> 0:05:02.120 and if you ever d m that, you know he's 0:05:02.160 --> 0:05:04.240 not the best. He's great as far as the information 0:05:04.320 --> 0:05:06.000 that he gives, but he's not the best as far. 0:05:05.920 --> 0:05:06.920 As answering his dms. 0:05:06.920 --> 0:05:14.440 He's over, I'm gonna spit out my red bulls. I 0:05:14.480 --> 0:05:15.479 didn't expect that one. 0:05:17.279 --> 0:05:19.720 So that's not the best when it comes to answering 0:05:19.800 --> 0:05:22.480 dm So it was just chatting, like you know, people 0:05:22.520 --> 0:05:26.240 got and he just dropped his encyclopedia. You don't talk 0:05:26.279 --> 0:05:29.320 about that the whole blueprints. So it's like the follow 0:05:29.400 --> 0:05:32.560 up episode. We usually we do like an Instagram live 0:05:32.640 --> 0:05:34.080 or something. We're like, you want't we just do a 0:05:34.120 --> 0:05:37.200 YouTube live like seminof webinar or relationships really just a 0:05:37.320 --> 0:05:39.520 question answer because it's like, I'm sure a lot of 0:05:39.520 --> 0:05:42.039 people have the same questions and stuff as opposed to 0:05:42.120 --> 0:05:44.880 like people sending a bunch of messages that have a 0:05:44.960 --> 0:05:47.480 very low percentage of getting answered. 0:05:49.640 --> 0:05:53.920 Do something. We could do something. 0:05:54.839 --> 0:05:58.159 We could do something something live for about an hour 0:05:58.960 --> 0:06:01.960 answer questions. We got Uyo University members on the zoom, 0:06:02.240 --> 0:06:05.640 and then we got YouTube obviously just on the YouTube 0:06:05.680 --> 0:06:08.360 checking and yeah, that way we can kill two birds 0:06:08.360 --> 0:06:11.520 of one stone. We can recap the episode and answer 0:06:11.560 --> 0:06:14.200 questions that people may have from that, and then we 0:06:14.240 --> 0:06:17.599 can also if people have questions about the Like I said, 0:06:17.640 --> 0:06:19.880 the encyclopedia, that's just drop. We'll talk about that in 0:06:19.880 --> 0:06:22.480 a little bit. And yeah, just try to just give 0:06:22.560 --> 0:06:25.120 people some information because, as I said before, the thing 0:06:25.160 --> 0:06:28.000 about buying a home, it's kind of like buying the cart, 0:06:28.040 --> 0:06:29.880 same thing, but it's a bigger purchase than buying a car, 0:06:30.040 --> 0:06:32.200 is that there's no real they don't teach you how 0:06:32.240 --> 0:06:33.680 to do it right. You would think that that, like 0:06:33.720 --> 0:06:35.839 that's something that should be mandatory to be taught in school, 0:06:35.880 --> 0:06:36.320 like how. 0:06:36.160 --> 0:06:36.800 Do you buy a home? 0:06:36.880 --> 0:06:39.640 Because even like I'm thinking, like, you know, buying a 0:06:39.680 --> 0:06:41.680 home is easy until I'm talking to Matt and he's 0:06:41.680 --> 0:06:44.400 explaining all of these programs and these bank statement loans 0:06:44.400 --> 0:06:47.000 and foreign answer loans and the interest rates and the 0:06:47.040 --> 0:06:51.160 refies and how you can do this and more mortgage 0:06:51.160 --> 0:06:55.400 contendency dates, and it's like there's so much stuff. Who 0:06:56.000 --> 0:06:58.599 really understands all this stuff unless you actually work in 0:06:58.600 --> 0:07:01.039 the real estate field as like a broker or something 0:07:01.080 --> 0:07:03.560 like that. Like the average person stands no chance. So 0:07:03.560 --> 0:07:06.360 what ends up happening is that they just get a 0:07:06.360 --> 0:07:09.440 real estate agent or a mortgage broker and they just 0:07:09.480 --> 0:07:11.200 go with whatever they tell them. 0:07:11.120 --> 0:07:14.200 Bill I have a home, and I would say, and 0:07:14.280 --> 0:07:16.239 I took the course. Shout out to you, man. 0:07:16.840 --> 0:07:19.440 Shout out to you for taking the course eighty five 0:07:19.480 --> 0:07:20.200 percent of itself. 0:07:20.640 --> 0:07:23.600 I had no idea, and I'm like, damn, I could 0:07:23.640 --> 0:07:25.360 have saved so much money. You know what I'm saying, 0:07:25.440 --> 0:07:26.800 Like it's ridiculous. 0:07:26.840 --> 0:07:29.960 Like so exactly what Shotty said is even if you 0:07:30.080 --> 0:07:32.160 have a home, there's still so much that we don't 0:07:32.200 --> 0:07:34.679 know and that we can still probably benefit from. 0:07:34.800 --> 0:07:35.080 Yeah. 0:07:35.120 --> 0:07:37.880 So, and somebody that in YouTube, the EYOL member how 0:07:37.920 --> 0:07:40.000 they get dream acts. So on the Facebook it was emailed. 0:07:40.000 --> 0:07:42.560 But if you just go to Facebook, our Facebook group, 0:07:42.560 --> 0:07:44.280 it's in there. It's in the Facebook group right now. 0:07:44.320 --> 0:07:46.080 And momone, I said, what you put we all live, 0:07:46.120 --> 0:07:48.280 you're here with us. Yeah, So we're gonna answer questions. 0:07:48.320 --> 0:07:50.720 We're gonna answer question and we're gonna open it up 0:07:50.760 --> 0:07:53.760 to EYO, you and everybody. So feel free to answer questions. 0:07:53.760 --> 0:07:55.960 But I'll started off with the one question for myself. 0:07:56.440 --> 0:08:02.000 So mortgage contingency Dame, what is that is a mortgage 0:08:02.040 --> 0:08:02.880 contingency date? 0:08:03.720 --> 0:08:07.600 Good question? So, first, first and foremost, thank you for 0:08:08.280 --> 0:08:10.920 again having me on the platform. And I really love 0:08:10.960 --> 0:08:13.760 what you guys are doing with your with your platform 0:08:13.800 --> 0:08:16.920 and just educating the community on something that I love 0:08:16.960 --> 0:08:19.280 and I'm passionate about, which is real estate finance and 0:08:19.320 --> 0:08:23.160 real estate. So mortgage contingency dates, right, there's several dates 0:08:23.160 --> 0:08:27.520 that's in your contract. And there's first before I go 0:08:27.560 --> 0:08:31.040 into there, there's states that are non attorney states, and 0:08:31.080 --> 0:08:33.240 there are states that are attorney states. Right, So New 0:08:33.320 --> 0:08:37.080 York is considered an attorney state. States like Georgia is 0:08:37.120 --> 0:08:39.360 considered a non attorney state. So when you sign in 0:08:39.360 --> 0:08:42.080 a contract in the state of Georgia, the real estate 0:08:42.120 --> 0:08:44.880 agent is the one who's going over the contract. Well, 0:08:44.920 --> 0:08:48.360 the offer is pretty much the contract, right, and then 0:08:48.400 --> 0:08:50.480 when the seller signs it, they accept it. Now you're 0:08:50.520 --> 0:08:53.640 in a buying the contract. So there's there's dates that 0:08:53.720 --> 0:08:55.839 you have to know. And that's one of the main 0:08:55.880 --> 0:08:58.520 reasons why I highlighted the purchase agreement in the course 0:08:58.600 --> 0:09:00.600 in the Blueprint and the Home Bise blue Print Volume 0:09:00.640 --> 0:09:04.559 one is because a lot of folks anybody could be 0:09:04.559 --> 0:09:07.120 a real estate agent, right, but doesn't mean they understand 0:09:07.160 --> 0:09:10.000 the law and they understand what people are signing to. 0:09:10.040 --> 0:09:13.200 And there's a lot of times people are signing contracts 0:09:13.559 --> 0:09:17.000 and the realtors are not explaining to them certain dates 0:09:17.040 --> 0:09:19.000 have to be met by a certain time, and people 0:09:19.080 --> 0:09:23.559 getting themselves jammed up or putting themselves into contracts that 0:09:23.640 --> 0:09:27.800 have unrealistic dates. Now, the mortgage contingency date is probably 0:09:27.800 --> 0:09:31.800 the most important in the contract because that basically states 0:09:32.160 --> 0:09:34.560 that you have to have a loan commitment by a 0:09:34.600 --> 0:09:37.280 certain period of time. And if you don't have that 0:09:37.320 --> 0:09:39.880 loan commitment and by a certain period of time, you 0:09:39.920 --> 0:09:44.679 could be in breach of your contract. Once you get 0:09:44.679 --> 0:09:47.600 a loan commitment, right, and you produce that to your 0:09:47.600 --> 0:09:50.080 attorney or the realtors, and they produce it to the seller, 0:09:50.640 --> 0:09:53.640 then that means you're locked into that deal. Now you 0:09:53.720 --> 0:09:57.240 can't back out, right. So there's a lot to unpacking that, 0:09:57.360 --> 0:09:59.360 and I kind of go through, you know, in deep 0:09:59.440 --> 0:10:03.439 details in the blueprint about this of how the mortgage 0:10:03.440 --> 0:10:05.839 contingency date can either be your friend or it could 0:10:05.840 --> 0:10:07.480 be your enemy. You know what I'm saying, because if 0:10:07.520 --> 0:10:10.839 you don't, let's just say, for example, on what's today 0:10:10.920 --> 0:10:14.120 October twenty second, let's just say your mortgage contingency date 0:10:14.360 --> 0:10:17.880 was November first, For example, if you know you can't 0:10:17.880 --> 0:10:21.440 meet that mortgage contingency date a week before that, you 0:10:21.559 --> 0:10:23.800 need to be asking for an extension to give you 0:10:23.880 --> 0:10:27.080 more time, because if you let that date pass and 0:10:27.120 --> 0:10:30.080 you don't say nothing, the sellers can technically kill the 0:10:30.080 --> 0:10:33.320 deal and keep your money. Right, but let's just say 0:10:33.320 --> 0:10:35.280 on the flip side, you do get approved for a 0:10:35.360 --> 0:10:38.600 loan and it's before the mortgage contingency date, and when 0:10:38.600 --> 0:10:40.600 you get approved for the loan, you need to read 0:10:40.640 --> 0:10:45.120 the long commitment to make sure that you can provide 0:10:45.120 --> 0:10:48.640 the lender with the information the conditions that they are 0:10:48.720 --> 0:10:52.679 asking for, right, Because if you can't provide that conditions 0:10:52.720 --> 0:10:55.800 to your lender and clear those conditions most importantly, and 0:10:55.840 --> 0:10:58.880 you produce that commitment to the seller side, you just 0:10:59.000 --> 0:11:01.680 locked yourself into the deal and there's no way of 0:11:01.679 --> 0:11:03.840 getting your money back unless the sellers are just going 0:11:03.880 --> 0:11:06.400 to be nice and let you go. And in this market, 0:11:06.640 --> 0:11:11.079 sellers are not playing around because home prices are skyrocket 0:11:11.120 --> 0:11:13.040 and homes are flying off the roof. I mean, there 0:11:13.080 --> 0:11:15.760 was a report that was released today by the National 0:11:15.760 --> 0:11:18.840 Association and relatives are saying how September was like one 0:11:18.880 --> 0:11:23.920 of the biggest months ever right for home sales. Oh, 0:11:23.960 --> 0:11:27.120 there's a lot happening that's in the seller's favor right now. 0:11:27.360 --> 0:11:29.439 And they're not trying to play no games with these 0:11:29.480 --> 0:11:35.400 buys out here who are not serious about purchasing the property, 0:11:35.480 --> 0:11:38.400 because now you're tying them up. So it's very important 0:11:38.400 --> 0:11:42.679 if anybody's out here, especially in non attorney states, especially 0:11:43.200 --> 0:11:48.320 understand the mortgage contingency date and make sure you have 0:11:48.600 --> 0:11:51.040 enough time to meet that date. Make sure you speak 0:11:51.040 --> 0:11:53.880 to your lender, your loan officer, and let them know, hey, 0:11:53.880 --> 0:11:56.959 my mortgage contingency date is November first. Do you think 0:11:56.960 --> 0:11:59.120 we have enough time to get a loan commitment? And 0:11:59.160 --> 0:12:01.640 the reason why I'm us and this is the mortgage 0:12:01.679 --> 0:12:04.720 industry is on fire right now. They're predicting right now 0:12:05.480 --> 0:12:07.800 that the mortgage industry is going to do three point 0:12:07.800 --> 0:12:11.760 one trillion dollars in originations in twenty right that is 0:12:11.800 --> 0:12:15.800 the second largest origination yeah, in US history, right behind 0:12:15.840 --> 0:12:18.520 two thousand and three. I don't think you guys really 0:12:18.640 --> 0:12:20.679 understand what I'm trying to tell you right now. That 0:12:20.760 --> 0:12:23.080 means as busy as hell. You know what I'm saying. 0:12:23.280 --> 0:12:26.400 Lenders are backed up across the but it's too many 0:12:26.440 --> 0:12:30.199 it's more loans than bodies to process and underwrite these loans, 0:12:30.640 --> 0:12:34.240 turnaround times are delayed across the board. So you need 0:12:34.280 --> 0:12:38.760 to ensure that your lender has the capacity number one 0:12:38.880 --> 0:12:41.040 and number two they can meet these dates, because if 0:12:41.080 --> 0:12:43.680 you don't meet these mortgage contingency dates, you can be 0:12:43.679 --> 0:12:45.040 putting yourself in a bad position. 0:12:45.440 --> 0:12:47.480 Now, so I don't meet the day. Let's say I 0:12:47.480 --> 0:12:49.560 don't meet the day, but I do follow for the extension. 0:12:49.840 --> 0:12:52.880 How long is my extension? And am I granted that once? 0:12:53.280 --> 0:12:54.240 Is that a one time thing? 0:12:54.920 --> 0:12:57.520 It depends bro and all honesty. It depends on the deal. 0:12:57.559 --> 0:13:00.960 It depends on the seller, It depends on the gociation tactics, 0:13:01.120 --> 0:13:04.360 or the lawyers involved, or the realtor's involved. I mean 0:13:04.440 --> 0:13:06.920 typically I was saying, New York, they'll give you a 0:13:06.960 --> 0:13:09.079 little bit more time because New York is a little 0:13:09.080 --> 0:13:11.000 bit more laxed when it comes to closing dates and 0:13:11.040 --> 0:13:14.640 contingency dates than other states. New York you can probably 0:13:14.640 --> 0:13:16.839 get another two weeks, three weeks if you need it, 0:13:16.880 --> 0:13:19.240 if you have good reason and the sellers are okay 0:13:19.280 --> 0:13:21.520 with it, and they're that you're want to get approved, 0:13:21.520 --> 0:13:23.280 and you know, you can probably get two, three more 0:13:23.320 --> 0:13:25.760 weeks to get a long commitment. But in states like 0:13:25.840 --> 0:13:29.000 George Florida, Bro, they don't give a damn. They'd be like, Yo, 0:13:29.040 --> 0:13:31.760 you got five days by five pm next Friday. If 0:13:31.760 --> 0:13:33.760 you don't got it, we're keeping your money. Deal is dead. 0:13:34.160 --> 0:13:37.200 You know what I'm saying. Like, it's crazy, bro. So 0:13:37.280 --> 0:13:39.959 you got to just make sure that you just you 0:13:40.440 --> 0:13:42.880 and your lenda are on the same team and on 0:13:42.920 --> 0:13:43.679 the same page. 0:13:43.800 --> 0:13:46.120 So we got the lawyers contendency date, but there's also 0:13:46.320 --> 0:13:48.640 an appraisal contingency date too. 0:13:48.640 --> 0:13:52.640 Right, Yeah, so you you some contracts will have due 0:13:52.679 --> 0:13:55.880 diligence periods, right, So in a due diligence period, you 0:13:56.000 --> 0:13:59.320 have to get certain things done within that time, and 0:13:59.320 --> 0:14:00.800 it could be a very different things. 0:14:00.880 --> 0:14:01.040 Right. 0:14:01.240 --> 0:14:03.880 The due diligence period can include getting your home inspection. 0:14:04.520 --> 0:14:07.920 They might want you to have your loan, do complete 0:14:07.920 --> 0:14:10.600 a loan application, apply for a loan by a certain time. 0:14:11.520 --> 0:14:15.760 But really with a mortgage, an appraisal contingency. What I've 0:14:15.800 --> 0:14:19.160 seen in contracts is basically stating that if you're home, 0:14:19.280 --> 0:14:21.120 let's just say you get into contract. Right, we're in 0:14:21.160 --> 0:14:23.760 bidding walls across the country, so let's just say you're 0:14:23.760 --> 0:14:25.880 looking for a house the list price was five hundred, 0:14:26.480 --> 0:14:29.000 but you overbid it because you want you love the house, 0:14:29.040 --> 0:14:30.680 and you want to wear And let's just say you 0:14:30.680 --> 0:14:33.720 you put in a bid for five fifty. Check to 0:14:33.760 --> 0:14:37.880 see if there's a praiser contingency, because if there's appraisal contingency, 0:14:37.920 --> 0:14:39.560 and if the seller is saying, we don't care what 0:14:39.640 --> 0:14:42.360 the house apprais is for, you still have to buy 0:14:42.400 --> 0:14:45.560 my house, right, you could be locking yourself into another 0:14:45.600 --> 0:14:49.760 deal as well, because in these appraisal contingencies, the seller 0:14:49.800 --> 0:14:52.760 can say, well, you offered five to fifty, I want 0:14:52.800 --> 0:14:55.360 five to fifty. If the house comes in for five hundred, 0:14:55.640 --> 0:14:58.200 we're not killing a deal. You have to come to 0:14:58.240 --> 0:15:01.080 the table with that ultra fifty k. So it's very 0:15:01.120 --> 0:15:03.760 important when you're reading your contract and make sure there's 0:15:03.760 --> 0:15:07.160 no language like that in appraisal contingency sections that can 0:15:07.240 --> 0:15:10.440 jam you in, especially when you overbid, because like here 0:15:10.480 --> 0:15:12.160 in New York, I'm starting to see more of that 0:15:12.440 --> 0:15:14.720 where folks have just bid in twenty thousand and thirty 0:15:14.760 --> 0:15:17.840 thousand and fifty thousand above asking, but they're using it 0:15:17.880 --> 0:15:20.520 as a strategy, right, And this could be a good strategy. 0:15:20.920 --> 0:15:24.760 Bid overbid when the offer and when the appraisal comes, 0:15:25.040 --> 0:15:27.760 try to negotiate back down to the lower price. But 0:15:27.800 --> 0:15:30.720 if you got that appraisal contingency in there and the 0:15:30.840 --> 0:15:34.000 language states that it doesn't matter what that value came 0:15:34.000 --> 0:15:36.000 in from the appraiser, then you can lock yourself into 0:15:36.040 --> 0:15:36.360 a deal. 0:15:36.880 --> 0:15:39.000 Yeah, that's that's a Goldennother right there, because that could 0:15:39.000 --> 0:15:42.480 potentially take fifty two one hundred thousand. Right you bid 0:15:42.480 --> 0:15:44.560 on a house at six hundred, it comes back at five, 0:15:44.920 --> 0:15:45.840 You got to pay that six. 0:15:46.240 --> 0:15:47.040 It's in the contract. 0:15:47.280 --> 0:15:49.440 If you're on YouTube or if you're in zoom, if 0:15:49.760 --> 0:15:52.200 you never heard that before, put a one in the 0:15:52.320 --> 0:15:55.240 chat because that's something like appraisal contingency. But, like I said, 0:15:55.240 --> 0:15:57.480 there's so much stuff for buying a home, like even 0:15:57.480 --> 0:15:59.640 if you're highly educated. 0:16:01.280 --> 0:16:03.440 So look, so I want to take a quick quick 0:16:03.480 --> 0:16:06.200 comment that aid Aid in the in the YouTube comment 0:16:06.280 --> 0:16:10.280 said he said appraisal contingencies are so rare. Inspection contingencies 0:16:10.320 --> 0:16:14.000 are more common. He is correct, but they're only rare 0:16:14.040 --> 0:16:16.520 because people don't know about them, and a lot of realtors. 0:16:16.520 --> 0:16:18.480 You got to think about it. Every anybody could be 0:16:18.520 --> 0:16:21.120 a licensed real to anybody can do a deal. If 0:16:21.120 --> 0:16:23.120 they're not savvy enough, they're not going to know about this, 0:16:23.200 --> 0:16:26.920 you know what I'm saying. But if you're dealing with sharks, 0:16:27.440 --> 0:16:30.800 you know, a shark attorney, a shark list, they know 0:16:30.840 --> 0:16:32.960 about the praiser contingencies and they will have it in 0:16:33.000 --> 0:16:36.760 there because they know you're just overbidding on purpose and 0:16:36.800 --> 0:16:39.360 they want to make sure remember their duty, their fiducial 0:16:39.560 --> 0:16:41.320 duty is for the seller, not you. You know what 0:16:41.360 --> 0:16:44.000 I'm saying. So the sharks know about this, and they 0:16:44.040 --> 0:16:47.440 are putting this in contracts now, So it is rare, 0:16:48.520 --> 0:16:49.440 but it does happen. 0:16:52.520 --> 0:16:55.800 Matt, you good, got touch of covid? See like little 0:16:56.560 --> 0:16:58.400 nasal in a cough a little bit? 0:16:59.200 --> 0:17:04.159 Nah? I got no? Waut you covid? What the. 0:17:07.400 --> 0:17:07.440 No? 0:17:07.840 --> 0:17:10.399 You started sweating? Sleep bro. 0:17:11.960 --> 0:17:12.719 Touching covid? 0:17:14.160 --> 0:17:15.600 That was like you're about to go do a computer? 0:17:15.960 --> 0:17:16.120 Man. 0:17:16.160 --> 0:17:17.439 We need you. We need you out here, yo, we 0:17:17.480 --> 0:17:21.399 need you, broy. 0:17:19.640 --> 0:17:21.639 Know what are you talking about to? I sound crazy 0:17:21.720 --> 0:17:22.080 right now? 0:17:22.840 --> 0:17:24.680 You look good? You sound good? You look good man? 0:17:28.160 --> 0:17:28.320 Yo? 0:17:28.359 --> 0:17:30.200 What's wrong with you? 0:17:30.280 --> 0:17:30.440 Yo? 0:17:30.520 --> 0:17:31.560 You know we live right. 0:17:33.080 --> 0:17:34.840 Anythink you're like? Yo? No, we just like to have fun. 0:17:34.880 --> 0:17:35.359 We like to. 0:17:36.080 --> 0:17:36.480 We like that. 0:17:38.400 --> 0:17:39.080 It's all good. 0:17:39.960 --> 0:17:41.840 All right, let's take a question. Let's take a question, 0:17:42.320 --> 0:17:44.280 e y l University. If y'all got a questions, just 0:17:44.320 --> 0:17:46.320 raise your hands, and you know it's worse. We're going 0:17:46.359 --> 0:17:48.360 to keep the same type of guidelines. If you got 0:17:48.359 --> 0:17:51.639 a question, we're gonna call you yourself. Let's keep it appropriate. 0:17:51.720 --> 0:17:52.520 Let's keep it to. 0:17:52.520 --> 0:17:57.000 Everybody in the YouTube comments laughing the ass off. I'm 0:17:57.000 --> 0:17:57.880 gonna get you on, y'all. 0:17:57.920 --> 0:17:58.320 D m me. 0:17:58.600 --> 0:18:01.560 How about that? 0:18:02.320 --> 0:18:04.280 You yourself. 0:18:05.920 --> 0:18:07.080 Got me sweating. 0:18:11.400 --> 0:18:11.560 Man? 0:18:12.200 --> 0:18:14.919 Yeah, yeah, my yo. The office is right there at 0:18:14.920 --> 0:18:17.240 the studio right now is crazy hoppy and this light 0:18:17.359 --> 0:18:18.960 is crazy you high. 0:18:18.960 --> 0:18:22.240 It's red in the background. 0:18:22.000 --> 0:18:23.800 Look like you look like you're in hell right now, 0:18:24.119 --> 0:18:31.600 like it got the double red dark is hot your lights? 0:18:31.640 --> 0:18:32.200 The blue bro? 0:18:34.280 --> 0:18:35.720 Nah, I like the red today, like. 0:18:35.680 --> 0:18:39.480 A Halloween like situation going on some horns. You know 0:18:39.520 --> 0:18:41.760 what it really looked like like you in like Super 0:18:41.800 --> 0:18:47.800 Mario Brothers or something. No furnace furnish red. I'm sorry. 0:18:49.240 --> 0:18:51.400 You're good, y'all good. First of all, I rebuked that 0:18:51.560 --> 0:18:54.920 there's no touch of COVID on you. We're all good there. 0:18:55.280 --> 0:19:01.000 I rebuked that too, so it's it's Samara. 0:19:02.320 --> 0:19:08.200 But my question is in terms of doing a refinance, Obviously, 0:19:08.800 --> 0:19:10.280 you know rates are low, a lot of people are 0:19:10.280 --> 0:19:16.600 getting into that, and in terms of both like the 0:19:16.640 --> 0:19:19.960 blueprint and how much you cover there and just generally 0:19:20.000 --> 0:19:23.520 speaking going into a REFI what are some things that 0:19:23.560 --> 0:19:26.320 you should kind of know and expect. I know, getting 0:19:26.520 --> 0:19:29.160 a lower interest rate is usually top of mind there. 0:19:30.359 --> 0:19:33.680 I went through one previously and I ended up having 0:19:33.720 --> 0:19:37.600 to pay some money out of pocket because I ended 0:19:37.680 --> 0:19:40.640 up getting When we've talked about this before, my house 0:19:40.680 --> 0:19:43.679 got appraised for lower than you know what it was 0:19:43.720 --> 0:19:47.439 actually not worth, but you know, it came in at 0:19:47.440 --> 0:19:49.640 a lower praises, so I didn't hit the threshold for 0:19:50.200 --> 0:19:53.160 the loan amount at a certain percentage. So what are 0:19:53.160 --> 0:19:54.880 some things to kind of keep in mind when you're 0:19:54.920 --> 0:19:56.720 doing a refile? 0:19:58.040 --> 0:20:01.520 First, determine what your goals are, right, I think most 0:20:01.520 --> 0:20:03.639 people they just say, yeah, I want to refinance, I 0:20:03.680 --> 0:20:05.920 know rates are low, but they don't really have a plan. 0:20:06.440 --> 0:20:08.720 So you got to determine if you want to go 0:20:08.760 --> 0:20:10.520 back to the thirty it's your goal just to really 0:20:10.520 --> 0:20:13.480 save money. Are you looking at if you have equity 0:20:13.480 --> 0:20:15.840 in the house, Are you looking to pull some of 0:20:15.840 --> 0:20:19.080 that equity out so that way you can that way 0:20:19.119 --> 0:20:23.320 you can invest into other projects. Understanding the comps of 0:20:23.359 --> 0:20:25.960 your neighborhood I think is very important. You know, take 0:20:25.960 --> 0:20:27.960 a look at your neighborhood of homes that are similar 0:20:27.960 --> 0:20:31.120 to you. I mean, we discussed the appraisal process thoroughly 0:20:31.359 --> 0:20:35.560 in the blueprint. I actually had a license appraiser talk 0:20:35.600 --> 0:20:38.400 about that part where you've got to really thoroughly look 0:20:38.400 --> 0:20:40.280 at the comps. Because there's a lot of home sales 0:20:40.359 --> 0:20:43.600 right now, and if you are a homeowner, you purchased 0:20:43.600 --> 0:20:44.960 your house a couple of years ago, it's a good 0:20:45.000 --> 0:20:47.000 possibility you have a good chunk of equity in your 0:20:47.000 --> 0:20:49.640 house right now. So I would definitely advise probably taking 0:20:49.680 --> 0:20:52.320 advantage of that and using that to you know, start 0:20:52.320 --> 0:20:54.679 your investing career if that's something you want to do. 0:20:54.760 --> 0:20:58.280 But ultimately, everybody has a different goal when it comes 0:20:58.320 --> 0:21:01.639 to rEFInd it, and so it's really depending on what 0:21:01.680 --> 0:21:04.919 that person wants and needs are at that moment. Some 0:21:04.960 --> 0:21:07.959 people just refinance just for the hell of it, just 0:21:08.000 --> 0:21:10.480 to say they refinancing. But I think you you got 0:21:10.520 --> 0:21:13.080 to be mindful of the closing costs and things that 0:21:13.320 --> 0:21:15.240 nature too. So if you're going to refinance, you got 0:21:15.240 --> 0:21:19.320 to make sure you do some damage with the refound, 0:21:19.359 --> 0:21:22.760 meaning take cash out, lower your time, you know, things 0:21:22.760 --> 0:21:25.320 that nature. Just don't look to save money, look for 0:21:25.440 --> 0:21:27.320 other things. You know, maybe you need to do some 0:21:28.440 --> 0:21:31.119 home improving in your house to get the value up, 0:21:31.480 --> 0:21:33.879 you know, take advantage of the low rates by taking 0:21:33.920 --> 0:21:35.520 equity out at the same time too. 0:21:36.960 --> 0:21:41.960 All right, that makes sense. So so the closing costs 0:21:41.960 --> 0:21:44.159 then you mentioned, is a part of that as well, 0:21:44.280 --> 0:21:46.920 or there are other costs. That's what threw me off. 0:21:47.680 --> 0:21:50.480 Yeah, there's always going to be closing costs, right, anytime 0:21:50.520 --> 0:21:54.640 you do a transaction, there's always always closing costs. Now, 0:21:54.840 --> 0:21:57.720 closing costs on a refinance if you have the equity 0:21:57.920 --> 0:21:59.960 is rolled into the loan. Typically the only out of 0:22:00.080 --> 0:22:02.760 pocket expenses the cost of the appraisal when you're doing 0:22:02.760 --> 0:22:06.240 the refinance. But closing costs, depending on where you located 0:22:06.280 --> 0:22:08.800 in your loan amount can be anywhere from three to 0:22:08.960 --> 0:22:11.360 five percent, just depending on location of the property. 0:22:11.880 --> 0:22:14.360 Got it all right, Thank you, Thank you. 0:22:14.760 --> 0:22:18.320 Thank you answers YouTube question shout out to all the 0:22:18.359 --> 0:22:22.240 super chats on YouTube events. Shout out to your shout 0:22:22.240 --> 0:22:27.879 out to Philly, I believe, and shout out to be 0:22:28.040 --> 0:22:32.080 Marie one hundred dollars super chat. Appreciate you, she said, 0:22:32.440 --> 0:22:35.919 can you speak for sale by court appointed Receiver. 0:22:42.840 --> 0:22:45.040 All right, guys, so a lot of people access how 0:22:45.040 --> 0:22:46.840 do they make a podcast? So I'm let you on 0:22:46.880 --> 0:22:51.399 a secret on the easiest, most productive way to start 0:22:51.440 --> 0:22:53.639 a podcast and get it up and running, and that 0:22:53.840 --> 0:22:57.480 is the app called Anchors Free. They have all kinds 0:22:57.480 --> 0:22:59.720 of cool creation tools that allow you to record and 0:22:59.840 --> 0:23:02.679 edit your podcast right from your phone a computer. They 0:23:02.680 --> 0:23:05.000 will distribute your podcast for you to all of the 0:23:05.040 --> 0:23:09.320 major outlets including Spotify, Apple, Google, manymore, and you can 0:23:09.359 --> 0:23:12.680 make money from your podcast with no minimum listenership. It's 0:23:12.720 --> 0:23:15.400 everything you need to make a podcast in one simple, 0:23:15.520 --> 0:23:19.240 easy place. So if you're interested in starting a podcast, 0:23:19.600 --> 0:23:23.600 go download the free Anchor app or go to anchor 0:23:23.760 --> 0:23:25.639 dot fm to get started. 0:23:25.720 --> 0:23:26.280 Let's do it. 0:23:29.640 --> 0:23:30.240 What's up, y'all? 0:23:30.280 --> 0:23:31.960 It's the fourth quarter, it's a new month, and what 0:23:32.160 --> 0:23:33.880 better way to start it than to coming to join 0:23:33.960 --> 0:23:35.400 us at eyl University. 0:23:35.600 --> 0:23:38.879 Yes, the fourth quarter is where star players make a 0:23:38.960 --> 0:23:42.399 name for themselves, So come and join the number one roster. 0:23:42.720 --> 0:23:46.120 Eyo University is the biggest platform for business in the universe. 0:23:46.160 --> 0:23:50.800 We have over seventy past classes, weekly classes. We have 0:23:51.119 --> 0:23:55.240 a private investment group on Facebook which gives you access 0:23:55.280 --> 0:23:57.840 to our movie club, our book club. We also have 0:23:58.080 --> 0:24:00.760 bi weekly real estate calls with MG the Mortgage Guy, 0:24:01.000 --> 0:24:04.480 and monthly financial advising calls with none other. 0:24:04.359 --> 0:24:05.439 Than yours truly. 0:24:06.119 --> 0:24:10.720 So head over to EYL University dot com right now 0:24:10.760 --> 0:24:16.639 and into promo EYL for forty off of our annual membership. 0:24:16.720 --> 0:24:18.720 That's right, don't wait, don't hesitate, head over. 0:24:18.760 --> 0:24:20.399 We'll see you on the other side. Let's do it. 0:24:31.720 --> 0:24:33.200 Can I speak by I said, what do you want 0:24:33.200 --> 0:24:34.320 to know? What's the question? 0:24:35.600 --> 0:24:36.520 M what's the question? 0:24:37.520 --> 0:24:39.480 Yeah? Because that can go a million different ways, you 0:24:39.480 --> 0:24:39.960 know what I'm saying? 0:24:40.600 --> 0:24:44.280 Yeah, man, While she comes back with that question and 0:24:44.320 --> 0:24:45.320 I'm glad you brought that up. 0:24:45.359 --> 0:24:46.199 The type of fees. 0:24:46.400 --> 0:24:48.440 Can you talk about the adjustment fees that come with 0:24:48.520 --> 0:24:51.400 the closing, because that's something that people will be surprised 0:24:51.400 --> 0:24:54.520 by that will add added costs that they weren't expected. 0:24:54.520 --> 0:24:56.000 Can you talk about some of the adjustment. 0:24:55.680 --> 0:24:59.400 Fees in terms of like taxes and things of that kind. 0:24:59.200 --> 0:25:02.320 Of maybe there was something in the appraisal that they 0:25:02.320 --> 0:25:04.560 said that you have to add on oil. 0:25:04.920 --> 0:25:05.560 Things like that. 0:25:06.400 --> 0:25:09.399 Well, that's if when you purchasing right. So when you 0:25:09.680 --> 0:25:13.360 when you purchasing a home, you get you get initial 0:25:13.400 --> 0:25:17.600 closing disclosure or CD. Now depending on again, where the 0:25:17.640 --> 0:25:20.120 property is located, like in New York. I'm just gonna 0:25:20.119 --> 0:25:23.159 speak for New York as an example on this. So 0:25:23.200 --> 0:25:25.320 in New York, when you get a that's not really 0:25:25.320 --> 0:25:27.640 the final number that you're gonna bring to closing. Right 0:25:28.200 --> 0:25:30.800 at the closing table, there's always some sort of adjustments. 0:25:30.960 --> 0:25:34.080 Sometimes the seller will pay have paid taxes for the year. 0:25:34.359 --> 0:25:36.440 Let's say if they got an oil tank. Sometimes they'll 0:25:36.480 --> 0:25:38.880 pay oil in full for you. You got to reimburse 0:25:38.960 --> 0:25:42.000 them at the closing. You always have to. You got 0:25:42.040 --> 0:25:45.120 to pay for your attorney if you're in an attorney state. 0:25:45.240 --> 0:25:48.520 That's not a part of the closing disclosures. The title, 0:25:48.640 --> 0:25:51.800 the title rep right, the title, the notary that person. 0:25:52.000 --> 0:25:54.000 Usually it is custom and condon to give them a tip. 0:25:54.040 --> 0:25:56.159 It can be anywhere from two hundred to four hundred 0:25:56.200 --> 0:25:58.200 bucks to give them a tip, because that's the person 0:25:58.240 --> 0:26:00.720 who's responsible for recording the d with the county and 0:26:00.720 --> 0:26:02.719 everything like that, so you definitely want to tempt them 0:26:02.760 --> 0:26:05.639 as well. So those are things that get adjusted at 0:26:05.640 --> 0:26:09.000 the table that you won't find out until really like 0:26:09.040 --> 0:26:13.320 the day of. But on a refinance, it's pretty cut 0:26:13.359 --> 0:26:15.200 and dry, you know. The one thing I would tell 0:26:15.240 --> 0:26:17.680 you is be mindful, especially if you have your taxes 0:26:17.680 --> 0:26:20.719 and insurance escroll right, cause it's too different. And I'm 0:26:20.760 --> 0:26:23.320 glad you told about costs. Right. There's costs and then 0:26:23.359 --> 0:26:27.240 there's escrow. These are two separate things. So your closed, 0:26:27.720 --> 0:26:30.960 whether it's a refinance or a purchase, it will always 0:26:30.960 --> 0:26:34.400 include both of those numbers. And people get confused because 0:26:34.400 --> 0:26:37.400 they don't understand what's the cost and what the actual 0:26:37.600 --> 0:26:40.119 escrow is. You know what I'm saying. The escrow is 0:26:40.160 --> 0:26:43.119 not a fee. That's to manage your taxes and insurance. 0:26:43.440 --> 0:26:45.920 And when you're close in on a loan, if taxes 0:26:45.920 --> 0:26:49.800 are due within sixty days, the lender will require those 0:26:49.840 --> 0:26:52.560 taxes to be picked up and paid at closing, plus 0:26:52.600 --> 0:26:55.200 still set up an escrow account of three to six 0:26:55.240 --> 0:26:58.440 months to manage that property taxes and insurance as well. Now, 0:26:58.480 --> 0:27:00.760 depending on where you located, like if you're in New 0:27:00.880 --> 0:27:03.560 York Westchuster, Long Island. If your tax is ten to 0:27:03.640 --> 0:27:06.280 fifteen thousand, that could be a huge chunk of money 0:27:06.320 --> 0:27:09.120 at the closing table extra, you know what I'm saying, 0:27:09.119 --> 0:27:11.040 that you would have to bring to the table. So 0:27:12.000 --> 0:27:16.879 just be mindful of your property taxes. Understand this stuff 0:27:16.880 --> 0:27:19.639 because it comes up all the time and people you're like, oh, 0:27:19.640 --> 0:27:21.399 I didn't know I had to pay that, and it's like, 0:27:21.600 --> 0:27:23.960 you have property taxes. It has to be paid, you 0:27:23.960 --> 0:27:26.280 know what I'm saying. So that's why it's very important 0:27:26.280 --> 0:27:28.720 for people to understand closing courts and understand how to 0:27:28.760 --> 0:27:31.879 read their loan estimates and their closing disclosures and know 0:27:32.000 --> 0:27:34.399 exactly what they're getting into because it's not just about 0:27:34.400 --> 0:27:36.760 the down payment. You know, when you see online people 0:27:36.760 --> 0:27:39.119 are always advertising a talk and you need three percent 0:27:39.160 --> 0:27:41.760 of three point five or as little as this money, 0:27:41.760 --> 0:27:43.919 But people don't talk about the closing costs and a 0:27:43.920 --> 0:27:46.520 breakdown of it. And that's what I cover, you know, 0:27:46.560 --> 0:27:48.280 in detail in the blueprint. 0:27:48.480 --> 0:27:50.879 Yeah, man, I got a quote with that adjustment. You 0:27:50.920 --> 0:27:52.919 actually had a school text. 0:27:52.960 --> 0:27:55.840 My Instagram name is MG the Mortgage Guy. 0:27:55.960 --> 0:27:57.880 I got a school text bill that that was set 0:27:57.920 --> 0:28:01.240 to me and I was like, oh, hey, I thought 0:28:01.280 --> 0:28:02.920 that was taken here, but obviously it wasn't. 0:28:02.920 --> 0:28:04.120 So appreciate that breakdown. 0:28:04.800 --> 0:28:06.919 Yeah, and oh hold on, I'm glad you said that. 0:28:06.920 --> 0:28:11.000 That's another good tip, right for future homeowners and for 0:28:11.080 --> 0:28:14.640 current homeowners. Just because the bank is managing your taxes 0:28:14.640 --> 0:28:18.320 and insurance, do not ignore the mail that comes to 0:28:18.359 --> 0:28:21.359 you from the county or from the insurance company because 0:28:21.400 --> 0:28:24.560 taxes insurance will always go up, and if you have 0:28:25.119 --> 0:28:27.800 that included into your mortgage payment, then every year your 0:28:27.800 --> 0:28:31.240 mortgage payment will go up too. Your principal and interest 0:28:31.359 --> 0:28:33.879 is fixed because you got to fix rate, but that 0:28:34.160 --> 0:28:37.040 escrow is what's going to fluctuate. So it's very important 0:28:37.119 --> 0:28:39.920 you pay attention to those those letters because if the 0:28:40.080 --> 0:28:43.120 escrow goes up, the bank doesn't care. They're going to 0:28:43.200 --> 0:28:46.280 pay that bill. Because taxes are first lean on property. 0:28:46.360 --> 0:28:49.160 If your taxes are not paid, then the county can 0:28:49.200 --> 0:28:51.400 foreclose on you. So the bank is always going to 0:28:51.440 --> 0:28:53.960 pay those taxes. But what you have to do is 0:28:54.040 --> 0:28:56.200 make sure that the city or the county wherever you 0:28:56.240 --> 0:28:58.280 live is not overcharging you. So you have to pay 0:28:58.320 --> 0:29:00.800 attention to this and try to grew leave your taxes 0:29:01.120 --> 0:29:04.080 if you think they're over taxing you. Even with your 0:29:04.080 --> 0:29:07.480 homeowners insurance the first year your homeowners are two years, 0:29:07.520 --> 0:29:09.880 your homeown insurance might be cheap, but then out of 0:29:09.920 --> 0:29:12.600 the blue it may skyrocket another five hundred to one 0:29:12.600 --> 0:29:16.080 thousand dollars. You're not married to that homeowners insurance company. 0:29:16.280 --> 0:29:18.520 So if you see their price go up and you 0:29:18.560 --> 0:29:21.040 call them, if they don't renegotiate it, go find a 0:29:21.080 --> 0:29:23.959 new company. Is she your choice on who you know 0:29:24.000 --> 0:29:25.920 you have homeowners insurance with? Not the bank? 0:29:27.400 --> 0:29:29.719 Okay, all right, let's just so. 0:29:29.800 --> 0:29:32.600 She actually responded, she said, thank you again for another 0:29:32.640 --> 0:29:36.440 super chat. She said, looking at purchase, Looking at purchase, 0:29:36.480 --> 0:29:39.120 I get looking at purchasing the purchase of thirty one 0:29:39.160 --> 0:29:41.680 properties by quarter pointed receiver of financing. 0:29:42.440 --> 0:29:43.400 Can it be done. 0:29:43.280 --> 0:29:48.120 Without hard money question mark cost for property or bulk 0:29:48.520 --> 0:29:49.120 question mark? 0:29:49.640 --> 0:29:51.720 That's you're going to have to get some sort of 0:29:51.720 --> 0:29:55.000 hard money blanket financing. That's all. If you're trying to 0:29:55.000 --> 0:29:57.120 buy thirty one properties at one time and do a 0:29:57.160 --> 0:30:02.800 portfolio deal, that's not conventional financing at that's all private financing, 0:30:04.160 --> 0:30:08.920 hard money, hard money, asset base. You know, blanket loans, 0:30:09.240 --> 0:30:11.120 you know things of that nature. That's the that's the 0:30:11.160 --> 0:30:13.280 type of financing that she should try to seek to 0:30:13.600 --> 0:30:15.040 get that portfolio done. 0:30:15.920 --> 0:30:17.040 Yeah, makes sense. 0:30:17.280 --> 0:30:20.000 You need a Linda who's going to specialize in, you know, 0:30:20.280 --> 0:30:22.080 doing blankets. To be honest with. 0:30:22.080 --> 0:30:25.200 You, YouTube, if you can hit the like button, we 0:30:25.280 --> 0:30:28.640 greatly appreciate it. Thirteen hundred on the check in, We're 0:30:28.640 --> 0:30:31.000 gonna go to a question to somebody because a couple 0:30:31.000 --> 0:30:32.800 of people have asked where can they get So, yeah, 0:30:32.800 --> 0:30:34.840 if you just joined it, So Matt, as I said, 0:30:34.840 --> 0:30:37.120 this is a follow up from his episode, but it's 0:30:37.160 --> 0:30:41.360 also a follow up from when he dropped his his encyclopedia. 0:30:41.400 --> 0:30:43.200 I call it cycloped he calls it a blueprint. 0:30:43.200 --> 0:30:45.160 But what it is is is I think it's like 0:30:45.160 --> 0:30:48.160 one hundred and ten videos and it's a whole course 0:30:48.160 --> 0:30:50.280 of a home buying course. And as I told him, 0:30:50.280 --> 0:30:53.120 I'm like, this is crazy because I never got educated 0:30:53.160 --> 0:30:55.080 on buying a home. And I think I come from, 0:30:55.200 --> 0:30:58.120 you know, an educated family, and I never got educated 0:30:58.160 --> 0:31:00.520 on buying a home. So it's crazy to have this 0:31:00.640 --> 0:31:02.520 much information. I told him too, Like we put a 0:31:02.600 --> 0:31:06.200 YouTube video on YouTube once a day, so to put 0:31:06.280 --> 0:31:08.600 over one hundred and ten videos that it literally would 0:31:08.600 --> 0:31:11.520 take us two years to upload that much content, so 0:31:11.760 --> 0:31:15.680 it's really almost impossible to put all that content like staggered, 0:31:15.840 --> 0:31:18.040 so to put it together, it's just a gym. And 0:31:18.040 --> 0:31:20.280 what he did was he dropped on the podcast. He 0:31:20.280 --> 0:31:22.400 did fifty percent for the first five hundred people. That 0:31:22.440 --> 0:31:24.640 was last week. I spoke to him before we started 0:31:24.680 --> 0:31:27.640 to see where he was at. Seventy eight slots left, 0:31:27.680 --> 0:31:30.920 so this seventy eight slots left. After that the price 0:31:30.960 --> 0:31:33.920 obviously the fifty percent goes away. But I mean I 0:31:33.960 --> 0:31:35.600 actually went through it. I went through it myself, and 0:31:35.640 --> 0:31:38.800 I was just amazed by it. So yeah, if you're interested, 0:31:38.800 --> 0:31:41.000 I'm gonna put the link in the and here center 0:31:41.040 --> 0:31:42.800 description as well. But yeah, I think he said it 0:31:42.840 --> 0:31:44.880 was seventy eight slots. That's at the beginning of this video. 0:31:45.000 --> 0:31:48.320 Seventy eight slots left for the fifty percent off discount. 0:31:48.360 --> 0:31:50.280 But I just personally have never seen anything like it 0:31:50.320 --> 0:31:52.800 before on the marketplace. So shout out to you, and 0:31:53.040 --> 0:31:55.360 shout out to your whole team for putting that together. Because, 0:31:55.400 --> 0:31:56.800 like I said, I mean, if you really think about 0:31:56.800 --> 0:31:58.800 in the grand scheme of things, if you look at 0:31:58.840 --> 0:32:01.960 a college textbook, college textbook, it's like one hundred dollars, 0:32:02.000 --> 0:32:03.640 eighty dollars just for one textbook. 0:32:03.640 --> 0:32:05.720 That's what that was. Twenty Yeah, you only use for 0:32:05.760 --> 0:32:06.320 one semester. 0:32:06.440 --> 0:32:07.920 So to have something that you can use for your 0:32:08.040 --> 0:32:11.200 entire life for a couple of hundred dollars, it's a hurt. 0:32:11.480 --> 0:32:14.160 So but also think about a book. Right when new 0:32:14.200 --> 0:32:17.720 information comes out, they don't update the book. You know 0:32:17.760 --> 0:32:20.800 what I'm saying, it's old information. So with the Blueprint 0:32:21.120 --> 0:32:24.800 Volume one, over the next year, as new information comes out, 0:32:25.120 --> 0:32:28.320 I'm going to be updating the blueprint with these updates. 0:32:28.560 --> 0:32:29.320 So that way for. 0:32:31.080 --> 0:32:32.760 You switch it up on me. Man. I was like, wait, 0:32:33.000 --> 0:32:34.720 you got a different polo and it's a new video. 0:32:36.160 --> 0:32:39.600 I've seen you updated already. I said, I've seen you 0:32:39.680 --> 0:32:41.760 updated already. You switched the polo shirt ons? 0:32:41.880 --> 0:32:43.880 Oh yeah, yeah, I got a couple updates that went 0:32:43.920 --> 0:32:46.120 on there. I switched mad polos in there. Tooks hate 0:32:46.160 --> 0:32:48.000 hates the fact that I did that. Like Twoks is 0:32:48.000 --> 0:32:50.200 a perfectionist, right, He's like, Yo, keep the same shirt on. 0:32:50.480 --> 0:32:51.840 I'm like, I'm tired of wearing the shirt. 0:32:53.400 --> 0:32:53.560 Yo. 0:32:53.960 --> 0:32:57.240 Were filming some stuff today, Man, I'm updated next week 0:32:57.440 --> 0:33:00.360 and with a bunch of refinanced stuff homeowners and insurance 0:33:00.360 --> 0:33:05.280 I'm updated with and there's a couple new guidelines that happens, 0:33:05.280 --> 0:33:07.440 so I'm going to update that in November. So I'm 0:33:07.440 --> 0:33:09.920 just going to keep updating in a couple couple videos 0:33:09.960 --> 0:33:14.120 every single month. People who are actually taking a course 0:33:14.200 --> 0:33:16.920 right now, they're leaving comments left and right. I'm in 0:33:17.000 --> 0:33:19.480 there answering questions. I'm getting on the phone with people 0:33:19.560 --> 0:33:22.640 helping them understand particular sections. So it's not like, look, 0:33:22.680 --> 0:33:26.200 this is just not like one time course. You don't 0:33:26.200 --> 0:33:29.440 hear from me ever, Again there's a time limit on 0:33:29.480 --> 0:33:31.160 the videos. No, it's none of that, you know what 0:33:31.160 --> 0:33:33.320 I'm saying. Like, once you have it, you can watch 0:33:33.320 --> 0:33:36.280 it a self paced watch it, you know, or binge 0:33:36.280 --> 0:33:38.760 watch it for twelve thirteen hours in a row, or 0:33:38.800 --> 0:33:40.560 take your time with it because you don't never have 0:33:40.600 --> 0:33:42.800 to worry about any time constraints. And like I said, 0:33:43.000 --> 0:33:45.440 I'm going to keep updating it too as we go 0:33:45.520 --> 0:33:47.440 on in twenty twenty one because I know next year 0:33:47.440 --> 0:33:49.520 there's going to be so many updates that's going to 0:33:49.960 --> 0:33:52.920 impact that first time home buyer that they're going to 0:33:53.000 --> 0:33:55.280 need to know this information so I felt like I'd 0:33:55.320 --> 0:33:58.320 be doing this service by not updating it with this 0:33:58.320 --> 0:33:58.960 new information. 0:33:59.760 --> 0:34:02.520 So let's get. Let's get some questions were coming to you. 0:34:02.560 --> 0:34:04.360 I mute yourself. You've been unmuted. What's up? 0:34:05.280 --> 0:34:07.840 Hey, Yeah, it's good guys, Thank you guys for everything. 0:34:08.360 --> 0:34:10.160 MG is my first time tuning into one of your 0:34:10.400 --> 0:34:12.600 you know, programs and stuff. So this is dope to hear. 0:34:14.640 --> 0:34:15.120 I'm all good. 0:34:15.160 --> 0:34:15.719 I'm all good. 0:34:15.760 --> 0:34:19.120 So I'm an international, I'm immigrant, but you know, been 0:34:19.160 --> 0:34:20.719 in the US for a minute, so you know, I'm 0:34:20.800 --> 0:34:24.319 building credit, making my investment moves, trying to prep to 0:34:24.400 --> 0:34:27.880 go into this home buyer space. And I saw a 0:34:27.880 --> 0:34:32.000 Business Week article i think today saying the New York 0:34:32.000 --> 0:34:34.719 had its highest rate of movings during the pandemic, when 0:34:34.719 --> 0:34:37.560 everyone assumed it would be the opposite. And so I'm 0:34:37.600 --> 0:34:39.759 you know, I'm thinking about this whole investment strategy of 0:34:40.080 --> 0:34:44.360 you know, holding by low, sell high. Do you see 0:34:44.960 --> 0:34:48.239 major changes happening by like next fall, where you know 0:34:48.960 --> 0:34:51.520 the housing market will sort of level out again, where 0:34:51.560 --> 0:34:53.920 I could think about buying place when I moved to 0:34:53.960 --> 0:34:57.120 New York instead of you know, wasting money on rent 0:34:57.200 --> 0:34:59.360 and stuff like that, or you know, what kind of 0:34:59.400 --> 0:35:02.560 moves can I be now to prepare for something next year. 0:35:04.040 --> 0:35:06.520 It's so hard man to answer that question because it's 0:35:06.560 --> 0:35:09.200 really hard to predict the future, especially when it comes 0:35:09.200 --> 0:35:11.880 to housing and where the market is going to be. 0:35:12.320 --> 0:35:15.160 I think a lot, you know, will have to happen. 0:35:15.200 --> 0:35:16.520 We have to see what they're going to do with 0:35:16.560 --> 0:35:21.359 the foreclosure and these four barance agreements, you know, devictions. 0:35:21.560 --> 0:35:23.239 We have to see, you know, how that's going to 0:35:23.280 --> 0:35:25.600 play out over the next couple of months. We have 0:35:25.680 --> 0:35:27.759 to see how COVID's going to play out, you know 0:35:27.760 --> 0:35:30.200 what I'm saying, over the couple next couple months to 0:35:30.280 --> 0:35:33.080 really determine, you know, what home price is going to 0:35:33.080 --> 0:35:35.120 go up or down. Me personally, I don't think home 0:35:35.160 --> 0:35:38.600 prices are going to depreciate next year. I mean, even 0:35:38.680 --> 0:35:40.759 you know, nar are saying the same thing. All the 0:35:40.800 --> 0:35:43.399 economists are saying the same thing going into twenty twenty one. 0:35:43.760 --> 0:35:46.520 They don't really see it slowing down, especially for new 0:35:46.560 --> 0:35:49.680 purchases because rates is so low and there's so many 0:35:49.760 --> 0:35:53.560 buyers out there. Inventory is at an all time low 0:35:53.640 --> 0:35:57.600 right now. Home homes are going above asking. So like 0:35:57.680 --> 0:36:00.279 even in New York City, I don't really see those 0:36:00.320 --> 0:36:03.960 homes depreciating like that. What I do see is by 0:36:03.960 --> 0:36:05.880 the end of the next year, interest rates are possibly 0:36:05.880 --> 0:36:08.880 going to be back in the mid threes, maybe hot threes. 0:36:09.280 --> 0:36:13.640 I personally think so. So that's why I'm very vocal 0:36:13.719 --> 0:36:16.360 on telling folks if you're looking to purchase real estate, 0:36:16.840 --> 0:36:19.720 take advantage now wise why the rates are right here 0:36:20.080 --> 0:36:22.440 and you can and if you can afford it. So 0:36:22.520 --> 0:36:25.759 it's really hard to determine that situation, like next year, 0:36:25.840 --> 0:36:28.160 what's going to happen. I just keep paying attention to 0:36:28.200 --> 0:36:31.840 the market, and if you see a right opportunity, jump 0:36:31.840 --> 0:36:34.359 on it. Don't hesitate because that opportunity won't be there 0:36:34.400 --> 0:36:34.719 for long. 0:36:35.000 --> 0:36:38.240 And Stuart, if you if you you're obviously Eyo University 0:36:38.360 --> 0:36:42.920 did a class or Knaka on a Knacker program that's 0:36:42.960 --> 0:36:46.719 in e Yo. You Matt and actually facilitated that, And man, 0:36:46.760 --> 0:36:50.000 I believe that's something. It's like, it's no, it's no downpayment. 0:36:49.600 --> 0:36:54.040 Right, yeah, Well, Knaka's no down payment, no down payment. 0:36:54.040 --> 0:36:56.319 You can do one hundred percent financing with with a Knack, 0:36:56.360 --> 0:37:01.000 a loan, no closing costs, no pm I. The real 0:37:01.080 --> 0:37:03.319 big thing with Knaker is, you know they encourage you 0:37:03.360 --> 0:37:05.640 to buy down the rate. You know, it's a good program. 0:37:05.680 --> 0:37:07.600 You know, Knaka is not a bad program. You know 0:37:07.640 --> 0:37:09.120 people always ask me all the time. 0:37:10.200 --> 0:37:10.960 Earners, what's up. 0:37:11.040 --> 0:37:13.520 You ever walk into a small business and everything just 0:37:13.680 --> 0:37:16.840 works like the checkout is fast, the receipts are digital, 0:37:17.360 --> 0:37:20.360 tipping is a breeze, and you're out the door before 0:37:20.360 --> 0:37:24.520 the line even builds odds are they're using Square. We 0:37:24.680 --> 0:37:27.200 love supporting businesses that run on Square because it just 0:37:27.239 --> 0:37:30.480 feels seamless. Whether it's a local coffee shop, a vendor 0:37:30.520 --> 0:37:32.799 at a pop up market, or even one of our 0:37:32.840 --> 0:37:36.480 merch partners, Square makes it easy for them to take payments, 0:37:36.719 --> 0:37:40.399 manage inventory, and run their business with confidence, all from 0:37:40.520 --> 0:37:43.879 one simple system. 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I don't 0:40:05.560 --> 0:40:08.440 care if it's Knack an fha VA, who cares, right, 0:40:08.520 --> 0:40:11.160 whatever's going to get the job done, Get the job done. 0:40:11.520 --> 0:40:14.000 NAC is a resource for that first time home buy 0:40:14.080 --> 0:40:16.359 You have to go through Knackers process Like you can't 0:40:16.360 --> 0:40:19.040 come to me or any regular loan officer to get 0:40:19.040 --> 0:40:21.000 a Knack a loan. You got to go through directly 0:40:21.040 --> 0:40:23.880 through them and go through their home buying process. But 0:40:23.960 --> 0:40:25.600 if you can get approved for a Knock and room 0:40:25.760 --> 0:40:28.040 and you can find a good property, our advise do 0:40:28.120 --> 0:40:31.120 multifamily with it because it's one hundred percent financing. Go 0:40:31.200 --> 0:40:31.520 for it. 0:40:32.680 --> 0:40:38.160 Appreciate, Thank you guys, appreciate check that out Euyuniversity dot com. 0:40:37.640 --> 0:40:41.040 Is uh, it's like an hour presentation about the whole 0:40:41.080 --> 0:40:42.640 knack Of program. So I just thought about that. But 0:40:42.719 --> 0:40:46.080 that's just you know, creative finance and if obviously you know, 0:40:46.160 --> 0:40:49.200 paying for a damn payment for a home mighty for. 0:40:49.160 --> 0:40:50.880 A lot of people, especially in the New York area. 0:40:51.360 --> 0:40:54.320 So you know, faha, we talked about that before Knacker 0:40:54.480 --> 0:40:56.480 things in that nature where it kind of takes the 0:40:56.480 --> 0:40:58.520 burden off having a tremendous amount of money up front. 0:40:58.520 --> 0:41:01.360 Its pros and cons with everything, but in. 0:41:01.440 --> 0:41:05.279 The con just for full disclosure, it's gonna take some time, right, 0:41:05.560 --> 0:41:08.600 Don't don't expect to go through a knack Of program 0:41:08.600 --> 0:41:12.400 in a month, you know, expect to go through a 0:41:12.520 --> 0:41:14.920 rod you know what I'm saying. It just it is, 0:41:15.120 --> 0:41:16.920 it is, and if you want to take measure that 0:41:17.000 --> 0:41:20.040 sometimes got to be patient and go through that process. 0:41:20.080 --> 0:41:21.640 But it can take a long time. But at the 0:41:21.719 --> 0:41:23.600 end of it, it's very it's worth it. I know 0:41:23.600 --> 0:41:25.239 a lot of homeowners who went through the knack Of 0:41:25.920 --> 0:41:29.160 process and they're they're extremely happy with the results, So 0:41:29.480 --> 0:41:30.960 go for it if you qualify for it. 0:41:31.040 --> 0:41:31.920 Yeah, I know, I know, I know. 0:41:32.000 --> 0:41:34.439 I know a few people that actually got it and 0:41:34.920 --> 0:41:36.919 it worked out for them. So it's like all things, 0:41:37.000 --> 0:41:38.920 it's not going to be perfect for every person. 0:41:39.440 --> 0:41:42.719 But somebody said they heard knock is like going through 0:41:42.719 --> 0:41:43.440 a triathlon. 0:41:45.600 --> 0:41:50.440 Yeah, so look, I look at like knowledge is now. 0:41:50.640 --> 0:41:53.120 So the more you know, the more you be equipped. 0:41:53.160 --> 0:41:54.839 But if you let's say it worked for three out 0:41:54.840 --> 0:41:57.280 of ten or four out of ten people, of course 0:41:57.320 --> 0:41:59.000 seven those seven seventy. 0:41:58.680 --> 0:42:00.000 Percent of people might be disappointed. 0:42:00.200 --> 0:42:01.959 For the three people that had to put no money 0:42:01.960 --> 0:42:03.640 down and got into their home and never thought that 0:42:03.640 --> 0:42:06.399 they'd bown a home that makes the world to them. So, 0:42:07.120 --> 0:42:10.880 you know, we have to be careful with judging everything 0:42:10.920 --> 0:42:13.240 off of one person's experience or even our own experience. 0:42:13.320 --> 0:42:15.880 Like I might have ate Chinese food and it was terrible, 0:42:16.400 --> 0:42:18.239 but that might have just been that restaurant that I 0:42:18.280 --> 0:42:20.600 went to. Like, you know, there's a billion people in China. 0:42:20.960 --> 0:42:24.400 I can't necessarily say that every person that cooks Chinese 0:42:24.440 --> 0:42:26.520 food is a terrible chef. It might have just been 0:42:26.560 --> 0:42:29.000 my own personal experience. For a variety of different reasons. 0:42:29.080 --> 0:42:31.279 I might just not like Chinese food. It doesn't mean 0:42:32.000 --> 0:42:34.560 somebody else doesn't like it. So you know, now I 0:42:34.560 --> 0:42:36.600 was I'm glad you said all those statistics. That was 0:42:36.640 --> 0:42:39.440 actually actually walking CNBC they had the CEO of Retend. 0:42:39.840 --> 0:42:42.200 We were saying exactly that that the inventory is low 0:42:42.640 --> 0:42:43.600 and the prices. 0:42:43.239 --> 0:42:45.080 Have gone up. It's actually the highest the. 0:42:45.040 --> 0:42:49.520 Median home costs in Americas at its highest three hundred 0:42:49.560 --> 0:42:50.719 and eleven thousand right now. 0:42:51.000 --> 0:42:53.960 So yeah, three hundred eleven thousand, so year over year 0:42:54.400 --> 0:42:56.560 last year that was I think like two seventy five 0:42:56.680 --> 0:42:59.560 to seventy nine somewhere around there, and now it's at 0:42:59.560 --> 0:43:02.680 three eleves. So we got to look at what's happened 0:43:02.719 --> 0:43:06.160 in twelve months. Right home prices are going up. You know, 0:43:06.360 --> 0:43:08.480 look at cities like Atlanta where we just were like 0:43:08.520 --> 0:43:10.479 Atlanta five years ago was dirt cheap. 0:43:11.440 --> 0:43:11.640 Yeah. 0:43:11.640 --> 0:43:13.399 You know what the number one city was year over here? 0:43:14.840 --> 0:43:17.759 Which one Bridgeport, Connecticut one hundred. 0:43:17.480 --> 0:43:23.560 Bridgeport, Connecticut to Bridgeport one hundred and seventeen increase year 0:43:23.600 --> 0:43:26.799 over year year over year in Bridgeport and Bridgeport, Connectic two. 0:43:27.480 --> 0:43:29.960 Shout out to everybody who purchased last year in Bridgeport. 0:43:32.719 --> 0:43:35.279 And if you purchased three years ago on Bridgeport, really 0:43:35.320 --> 0:43:38.600 big ups because you you making some money right now. 0:43:38.800 --> 0:43:41.320 And y'all people need to refinance and tap that equity 0:43:41.520 --> 0:43:42.719 because it's monopoly money. 0:43:43.280 --> 0:43:46.000 Money should have got an investment property in Bridgeport. 0:43:46.120 --> 0:43:48.920 Bridgeport, that's a fact, Monique, We're coming to you. 0:43:49.000 --> 0:43:50.239 I'll meet yourself. You've been un muted. 0:43:52.400 --> 0:43:57.840 Hello. So I purchased a two family home in July. 0:43:58.320 --> 0:44:01.200 I use FAJ and I know they say, like you 0:44:01.200 --> 0:44:03.600 should start up with like a four unit or a 0:44:03.640 --> 0:44:06.840 three unit, but I'm from Connecticut and a bunch of 0:44:06.880 --> 0:44:10.360 New York investors were coming here and purchasing all our property. 0:44:10.960 --> 0:44:14.600 So I settled for this two family and I was 0:44:14.640 --> 0:44:17.680 wondering if I would be able to use FHA again 0:44:18.320 --> 0:44:19.959 for a three three unit. 0:44:21.760 --> 0:44:27.240 Hum, So you will have to refinance out of your FHA, 0:44:28.680 --> 0:44:33.200 go into a conventional loan, and then use FAHA again. 0:44:33.320 --> 0:44:35.880 But the next property. Remember FAHA is only for your 0:44:35.880 --> 0:44:39.040 primary residents. So if you're moving from a two family 0:44:39.080 --> 0:44:42.040 to a three family, what's the motivation behind it? And look, 0:44:42.040 --> 0:44:44.680 I want to tell us that everybody who's listening. Underwriters 0:44:44.719 --> 0:44:48.600 are not stupid they understand that people house hack, they 0:44:48.640 --> 0:44:51.120 get it. I Calpacie. Fraud is a big thing in 0:44:51.160 --> 0:44:54.479 the mortgage industry. Please understand if you're trying to house 0:44:54.520 --> 0:44:57.160 hack and everything, make it make sense. Actually move in 0:44:57.239 --> 0:45:00.319 the property, do it for a year, do your year bid, 0:45:00.560 --> 0:45:04.160 and then move on to something else. Follow the rules, 0:45:04.200 --> 0:45:06.080 and yeah you can. You can do what you want, 0:45:06.120 --> 0:45:07.879 but you're gonna have to make it make sense, going 0:45:07.960 --> 0:45:10.759 from A two to three. If you can make it 0:45:10.800 --> 0:45:14.640 make sense. And and yeah, you refinance out of your 0:45:14.640 --> 0:45:17.279 current FAHA and put that into a conventional Absolutely, you 0:45:17.320 --> 0:45:20.160 can use f h A again for the next property, 0:45:20.280 --> 0:45:22.279 as long as you're gonna live in for a year 0:45:22.360 --> 0:45:23.520 and it's your primary residence. 0:45:24.680 --> 0:45:26.080 All right, thank you. 0:45:26.400 --> 0:45:30.520 The problem that's crazy that she called because so she 0:45:30.640 --> 0:45:33.600 just said, like all the New York investors came to Connecticut. 0:45:34.239 --> 0:45:36.920 So that that was right off to our conversation about 0:45:36.920 --> 0:45:38.680 Bridgeport prices going up one hundred And. 0:45:38.840 --> 0:45:40.479 You know what, we should have asked her how much 0:45:40.600 --> 0:45:42.000 how much money she made so far? 0:45:43.320 --> 0:45:45.080 I mean money, you're still there money. What part of 0:45:45.080 --> 0:45:45.880 Connectic kick you in? 0:45:49.520 --> 0:45:55.560 She muted, Yeah. When he went to the first she said, yeah, 0:45:55.560 --> 0:45:58.719 I already got No, that was crazy. New York came 0:45:58.760 --> 0:46:01.120 and ruined it. Everybody, Matt. 0:46:02.440 --> 0:46:07.759 Apple, So we had, we had. 0:46:08.080 --> 0:46:11.160 We were sitting there with fourteen year old spurgle billionaire 0:46:11.160 --> 0:46:12.160 Trey Brown, and. 0:46:12.120 --> 0:46:14.680 He was actually talking about the FAH loan. Can you 0:46:14.680 --> 0:46:15.400 tell us. 0:46:15.560 --> 0:46:17.760 For the people who may be unaware, what the max 0:46:17.800 --> 0:46:20.439 amount you can get on for FBH loan? 0:46:21.120 --> 0:46:22.239 It caps out at a number. 0:46:22.320 --> 0:46:25.279 Correct, it caps out depending on your county, right, So 0:46:25.320 --> 0:46:28.839 there's different loan limits for county. So the only thing 0:46:28.840 --> 0:46:31.359 you have to do is to find out what's your 0:46:31.480 --> 0:46:35.280 FAHA the maximum FAHA loan limit for your county. Simple 0:46:35.520 --> 0:46:38.960 google it FAHA max loan limit twenty twenty and put 0:46:39.000 --> 0:46:42.400 your county name, and then you'll probably see Hudd's website 0:46:42.440 --> 0:46:44.400 will come up, and you can go there and you 0:46:44.440 --> 0:46:46.920 can punch in your county and they'll tell you exactly 0:46:47.120 --> 0:46:51.120 what's the max loan amount. Appreciate you, But like in 0:46:51.120 --> 0:46:55.000 New York, for example, one family seven sixty five a 0:46:55.120 --> 0:46:57.080 four family one point four million? 0:46:57.920 --> 0:47:02.840 Wow? Yeah, okay, okay, rich card, we're coming to you. 0:47:02.920 --> 0:47:07.759 I'm mute yourself. You been I muted? Hey? 0:47:07.760 --> 0:47:09.640 What else fellas going on? 0:47:09.680 --> 0:47:09.799 Bro? 0:47:12.000 --> 0:47:15.600 I had a question about the FAHA as well. So 0:47:16.000 --> 0:47:18.640 I'm getting all my ducks in the order. I'm in Portland, Oregon. 0:47:18.680 --> 0:47:21.719 By the way, the prices is kind of crazy, so 0:47:22.520 --> 0:47:27.400 I think about moving either to Georgia or to Nevada. 0:47:28.080 --> 0:47:30.200 So the price is very good in Novada. 0:47:30.200 --> 0:47:33.879 I've been seeing in Las Vegas and so so if 0:47:33.880 --> 0:47:36.880 if if I want to move here, do I have 0:47:37.040 --> 0:47:43.440 to do the whole the you know, like that employment 0:47:43.480 --> 0:47:47.640 thing for two years? Like you know how you you 0:47:47.680 --> 0:47:49.760 said you have to have an employment for two years? 0:47:49.960 --> 0:47:51.520 I got, I got all my money, I got like 0:47:51.560 --> 0:47:52.759 I said, I got all my ducks in order. 0:47:52.920 --> 0:47:55.480 My credit is right. So now I want to move. 0:47:55.840 --> 0:47:57.680 Do I have to stay in Oregon in order to 0:47:57.680 --> 0:48:00.360 get the f A h A Or do I cannot 0:48:00.360 --> 0:48:02.439 move and get the fachse somewhere else? 0:48:03.000 --> 0:48:05.440 You can move as long. Where's your employment? Is your 0:48:05.440 --> 0:48:07.080 employment moving with you? Are you going to get a 0:48:07.120 --> 0:48:10.200 job in a new city. Is your current job working remote? 0:48:10.239 --> 0:48:12.960 And you're able to move anywhere? What's your situation? 0:48:13.719 --> 0:48:18.600 No, I'm self employed. I mean I could do it anywhere. 0:48:18.800 --> 0:48:21.839 Oh yeah, you're self employeed then so you can move anywhere. Yeah, 0:48:21.880 --> 0:48:22.600 so you'll be fine. 0:48:23.120 --> 0:48:23.799 The whole thing. 0:48:24.160 --> 0:48:28.520 The whole thing with FAHA, bro is primary residents. You 0:48:28.520 --> 0:48:32.520 can buy owner occupied rental properties with FAHA. As long 0:48:32.520 --> 0:48:35.440 as your owner occupies your primary residents, then you can. 0:48:35.680 --> 0:48:37.920 You can move anywhere, especially if you're self employed. And 0:48:38.000 --> 0:48:40.400 even if you one of these folks who are W 0:48:40.520 --> 0:48:42.600 two and you're working from home right now, we just 0:48:42.640 --> 0:48:45.040 need to get proved from your employer stating that it's 0:48:45.080 --> 0:48:47.320 okay for you to move and work in X, Y 0:48:47.360 --> 0:48:50.800 and z Z city and work remotely, then you're fine. 0:48:51.880 --> 0:48:52.880 Gosh, I know folks. 0:48:52.920 --> 0:48:55.840 I got folks right now moving out of state right now, 0:48:56.400 --> 0:48:58.239 just because they get to work from home and they 0:48:58.280 --> 0:48:59.800 keep their New York money and they can take that 0:49:00.280 --> 0:49:03.800 down south and get more bang for the buck because 0:49:03.840 --> 0:49:06.640 everything's remote. The kids are remote. Everything's remote. So you 0:49:06.680 --> 0:49:08.400 don't even have to take the kids out of your school, 0:49:09.400 --> 0:49:10.840 you know what I'm saying. Like they're still doing the 0:49:10.880 --> 0:49:16.200 remote and remote working and they just move into different 0:49:16.200 --> 0:49:17.960 cities right now. So take advantage. 0:49:18.680 --> 0:49:21.360 Okay, all right, we'll do thanks. 0:49:20.600 --> 0:49:25.759 No doubt, brother, appreciate you rich uh DeAndre Bell were 0:49:25.760 --> 0:49:27.480 coming to you. Mute yourself, you've been unmuted. 0:49:30.960 --> 0:49:33.920 Hey, how you doing, guys, Damn. I didn't think I 0:49:33.920 --> 0:49:43.040 would be chosen. So my question is me and my fiance, 0:49:43.480 --> 0:49:45.320 we were gonna get married this year, but because of 0:49:45.400 --> 0:49:49.759 COVID it kind of got all screwed up. She's one 0:49:49.760 --> 0:49:51.440 of those that she don't want to get a court wedding. 0:49:51.520 --> 0:49:54.600 She wants the whole big thing. But we planned on 0:49:54.719 --> 0:49:59.080 buying next year. That's still the plan, but this time, 0:50:00.280 --> 0:50:01.920 I mean, we're not going to be married, so we 0:50:01.960 --> 0:50:05.719 wanted to know the process of buying home. 0:50:07.440 --> 0:50:09.600 So you said, wait a minute, you said that you 0:50:09.640 --> 0:50:13.360 are not married. We're not married. We have kids, but 0:50:13.400 --> 0:50:16.759 we're not married. So if you're not married, I would 0:50:16.800 --> 0:50:20.239 recommend dividing and conquering, right See if you can get 0:50:20.239 --> 0:50:22.200 approved on your own, see if she can get approved 0:50:22.239 --> 0:50:24.520 on her own, and maybe you both buy multifamily. You 0:50:24.520 --> 0:50:27.719 know what I'm saying, and do it that way. But 0:50:27.800 --> 0:50:30.399 if you need both income to qualify for one loan, 0:50:30.400 --> 0:50:32.400 then that kind of throws out my divide and conquer 0:50:32.440 --> 0:50:35.279 theory right there. But the home buying process, that's what 0:50:35.320 --> 0:50:38.480 the blueprint, the home Buyers Blueprint is for, is to 0:50:38.560 --> 0:50:41.000 kind of give you a step by step booklet for 0:50:41.040 --> 0:50:42.759 you to get your game on track, not your wig, 0:50:42.880 --> 0:50:45.759 push back and understand the entire process from the very 0:50:45.800 --> 0:50:49.319 beginning to the end, every aspect of the process, from 0:50:49.360 --> 0:50:52.200 the loan programs to working with relatives, to working with 0:50:52.239 --> 0:50:57.160 the bankers, loan officers, appraisals. I mean, everything you need 0:50:57.200 --> 0:50:59.839 to know about the home buying process is discussed from 0:51:00.040 --> 0:51:02.520 A to Z in the home Buyers Blueprint Value. 0:51:02.320 --> 0:51:04.080 One and if you if you buy it a whole 0:51:04.120 --> 0:51:06.440 matter weblock like if you just like you know, just 0:51:07.800 --> 0:51:13.239 a couple from just from my understanding, like they they 0:51:13.360 --> 0:51:15.480 just count it like just two incomes, right, Like if 0:51:15.560 --> 0:51:17.200 just me and Troy wanted to buy a home like 0:51:17.239 --> 0:51:19.440 they would just you know, how does that work? Like 0:51:19.440 --> 0:51:23.160 this one person's credit score over power the other person's 0:51:23.160 --> 0:51:25.120 credit score or do we just go with one person 0:51:25.120 --> 0:51:27.879 and the other person is like the co signer if 0:51:27.880 --> 0:51:30.160 one person's credit isn't as good or how does that work? 0:51:30.920 --> 0:51:33.640 So anybody who doesn't matter if your co borrow or 0:51:33.680 --> 0:51:36.640 co signa right, everybody's credit has to meet the minimum 0:51:36.640 --> 0:51:39.920 credit standards for the program. And then also you know, 0:51:39.760 --> 0:51:42.400 you want to have income as well and document income. 0:51:42.480 --> 0:51:45.120 So whoever's on a loan application, we need to vet 0:51:45.160 --> 0:51:47.120 them out. Now, whether you decide to be a co 0:51:47.239 --> 0:51:51.480 borrower or co signer's two different things. But we're always 0:51:51.480 --> 0:51:54.360 going to lose the middle, the middle score when it 0:51:54.360 --> 0:51:56.160 comes the middle of the three scores when it comes 0:51:56.160 --> 0:51:59.480 to credit qualifying. And if there's two borrows or three borrows, 0:51:59.480 --> 0:52:02.239 we're going to use the lower middle schore of the 0:52:02.440 --> 0:52:06.080 two or three people to determine, you know, interest rates 0:52:06.120 --> 0:52:08.480 in the program that they qualify for. But we're going 0:52:08.560 --> 0:52:12.120 to analyze everything, you know, analyze your income's Troy income, 0:52:12.239 --> 0:52:15.280 your credit, and make sure you the ability to repay 0:52:15.360 --> 0:52:17.320 is there. 0:52:17.520 --> 0:52:20.360 So two people, definitely it's more beneficial than one person. 0:52:20.920 --> 0:52:23.080 Yeah, I mean I've had long applications with six people 0:52:23.160 --> 0:52:27.560 on it. It just it just has to make sense, 0:52:27.640 --> 0:52:28.280 you know what I'm saying. 0:52:29.400 --> 0:52:31.520 Yeah, Yeah, we got some earners in here. 0:52:31.680 --> 0:52:33.440 Shout out to every if you are earner and you 0:52:33.800 --> 0:52:35.920 purchased the home Buyers grouprit of course, just put a 0:52:35.960 --> 0:52:36.879 one in the chat right now. 0:52:37.200 --> 0:52:38.240 I want to hear for y'all. 0:52:38.520 --> 0:52:40.040 Shout out to all the earners. Man. 0:52:40.520 --> 0:52:42.840 Yeah, yeah, yeah, I see this. Well, we got a lot, 0:52:43.120 --> 0:52:45.400 we got a lot I'm coming with. 0:52:45.600 --> 0:52:47.680 Let's see, let's shout out to all of y'all, man, 0:52:47.719 --> 0:52:50.279 I see y'all, man, one of y'all get on here 0:52:50.320 --> 0:52:51.960 right now. We want to hear your opinion. 0:52:51.640 --> 0:52:54.920 Of the so, like if somebody is going back to 0:52:54.960 --> 0:52:57.120 the couple, because that's probably a big question a lot 0:52:57.120 --> 0:52:59.480 of people want about homes with the you know, Beyonce 0:52:59.680 --> 0:53:03.920 that their boyfriend whatever. Do you suggest that they should 0:53:03.960 --> 0:53:07.440 take like some kind of legal like I don't know 0:53:07.480 --> 0:53:09.360 what it would be, like a trust or something that 0:53:09.520 --> 0:53:13.040 kind of protect themselves, Like I buy it with my girlfriend, 0:53:13.719 --> 0:53:18.919 hypothetically speaking, and then we break up, like then we're 0:53:18.920 --> 0:53:21.520 like both co owners of the property. That probably happens 0:53:21.520 --> 0:53:23.200 a lot, right, WI. 0:53:23.120 --> 0:53:26.239 Shippens all the time. And then people don't have they're 0:53:26.239 --> 0:53:29.520 not vested their title and their deed is not vested properly. 0:53:29.840 --> 0:53:32.120 And that's another thing we cover in home buys blueprint 0:53:32.200 --> 0:53:35.799 is vesting. Right. People don't understand the difference between, you know, 0:53:35.840 --> 0:53:37.920 the different ways you can vest your title. You can 0:53:37.960 --> 0:53:42.719 give somebody a certain percentage on of the property, you know, 0:53:42.760 --> 0:53:44.200 So it's a lot of things you can do. If 0:53:44.239 --> 0:53:47.280 you're doing a COSNA, right, a co signer technically doesn't 0:53:47.320 --> 0:53:50.000 own the property. They're just responsible for the debt with you. 0:53:50.560 --> 0:53:53.480 So you know, it's different ways. If you're buying something 0:53:53.840 --> 0:53:57.200 with your girlfriend and you may not be one hundred 0:53:57.200 --> 0:53:59.680 percent sure that this relationship might work out in the future, 0:54:00.040 --> 0:54:02.120 maybe you don't add them on as a co borrower. 0:54:02.400 --> 0:54:04.480 You do them on. You add them on as a 0:54:04.520 --> 0:54:08.440 non occupant co signer, right, So that way they're signing 0:54:08.440 --> 0:54:11.319 the mortgage note and they're saying that they are responsible 0:54:11.320 --> 0:54:13.719 for the debt along with you, but they don't have 0:54:13.760 --> 0:54:16.360 no ownership in your property, you know what I'm saying. 0:54:16.600 --> 0:54:18.799 So it's just all on how you structure your deal. 0:54:18.880 --> 0:54:21.520 And that's why the blueprint is designed this way, and 0:54:21.560 --> 0:54:24.200 we're discussing all this because people just don't understand the difference. 0:54:24.200 --> 0:54:25.840 And then you take it deeper when it comes to 0:54:25.880 --> 0:54:27.719 your title on how you vest in your title. If 0:54:27.760 --> 0:54:30.040 you do it as a co borrower, you can structure 0:54:30.040 --> 0:54:32.920 your title in many different ways. Let's just say, you know, 0:54:33.000 --> 0:54:35.840 all three of us buy home. We can be tenants 0:54:35.840 --> 0:54:38.440 in common, or we can have certain percentages of ownership 0:54:38.440 --> 0:54:40.520 in the title, you know what I'm saying. So it's 0:54:40.520 --> 0:54:43.560 so many different ways you can protect yourself when it 0:54:43.560 --> 0:54:47.600 comes to home buying. But people are not discussing. I 0:54:47.600 --> 0:54:50.440 don't hear nobody talking about vesting or title or you know, 0:54:50.520 --> 0:54:54.000 any of these things online. It's just the everyday person 0:54:54.120 --> 0:54:56.239 just really doesn't understand it and they don't take the 0:54:56.360 --> 0:54:58.640 time to learn it, you know what I'm saying. So 0:54:58.680 --> 0:55:00.920 there's many ways you can protect your so you just 0:55:00.920 --> 0:55:03.040 need to have the information. 0:55:05.000 --> 0:55:10.040 Yeah, that's that's a gym, because like I said, I mean, 0:55:10.120 --> 0:55:13.200 you know was a gym. Actually you see that all 0:55:13.239 --> 0:55:15.920 the time as far as couples. Couples they bought home 0:55:16.000 --> 0:55:18.440 together or whatever and in two years they break up. 0:55:18.719 --> 0:55:20.560 And it's like, if you married, then that's one thing. 0:55:20.600 --> 0:55:22.600 You go through a divorce and then a judge and gone, 0:55:22.680 --> 0:55:25.480 you know, dictate things and you have you know, but 0:55:25.640 --> 0:55:30.160 if you're not married, you know, stop, what do you do? 0:55:31.680 --> 0:55:35.200 Sticky situation? A lot of what's going on, bro, you've 0:55:35.200 --> 0:55:37.919 been unmuted, you've been ready on use yourself. You said 0:55:37.960 --> 0:55:39.320 you you got the course right. 0:55:39.719 --> 0:55:42.080 Yeah, yeah, it was going on, gentlemen. I just wanted 0:55:42.120 --> 0:55:45.600 to give a shout to you guys recent earner. I've 0:55:45.600 --> 0:55:46.600 been following you guys. 0:55:46.480 --> 0:55:46.919 For a while. 0:55:47.080 --> 0:55:49.920 Matt uh, you know, fellow new York native man. So 0:55:49.920 --> 0:55:51.560 you know, I definitely appreciate all you do. 0:55:52.280 --> 0:55:55.319 Shout out to you, Elijah. You got the course, you said, Yeah, 0:55:55.360 --> 0:55:55.760 I jumped. 0:55:55.800 --> 0:55:56.800 I jumped on the course. 0:55:56.880 --> 0:55:59.959 I've been on the webinars, I jumped on the court. 0:56:01.000 --> 0:56:03.840 Already had the membership and due to the course, I 0:56:03.920 --> 0:56:05.840 upgraded and got the annual membership. 0:56:06.360 --> 0:56:08.080 You know, I just I just jumped all over it. 0:56:08.160 --> 0:56:10.719 So yeah, so let's talk about the course work quick. 0:56:10.760 --> 0:56:12.800 How far along are you in the course. 0:56:13.640 --> 0:56:15.560 I'm just through the first couple of videos so far, 0:56:17.040 --> 0:56:21.120 and you know, just really just going through, really just 0:56:21.120 --> 0:56:23.799 trying to immerse myself in everything, e y l. You know, 0:56:23.920 --> 0:56:27.440 just due to my current situation. So you know, I'm 0:56:27.440 --> 0:56:30.759 trying to come out of this COVID thing in a 0:56:30.840 --> 0:56:34.920 much better situation. And you know, seeing this is the path, man, 0:56:35.400 --> 0:56:37.520 ey L is the path. You know, I'm trying to 0:56:37.640 --> 0:56:38.439 jump on this train. 0:56:39.080 --> 0:56:39.360 Fact. 0:56:39.920 --> 0:56:40.520 Appreciate that. 0:56:40.840 --> 0:56:41.960 I appreciate that, you know. 0:56:43.440 --> 0:56:46.560 So my quick question was, so I was I was 0:56:46.760 --> 0:56:50.080 starting the process, me and my wife looking, you know, 0:56:50.160 --> 0:56:52.040 to get a second home. It's it's kind of tricky 0:56:52.080 --> 0:56:56.040 because we already own a home, but my name is 0:56:56.080 --> 0:57:01.279 not on the mortgage, and so then I took some 0:57:01.320 --> 0:57:03.000 money out of my four one K I got like 0:57:03.120 --> 0:57:05.760 twenty five on hand. I got a little over fifty 0:57:05.800 --> 0:57:08.840 more still in there, and I was about to start 0:57:08.880 --> 0:57:12.680 looking into the FAHA process up here in Boston, but 0:57:12.719 --> 0:57:19.000 then I got laid off. So my question is should 0:57:19.080 --> 0:57:24.320 I to keep the income consistent? Should I go back 0:57:24.720 --> 0:57:27.240 because I was in retails, I was in retail management. 0:57:27.760 --> 0:57:31.840 So should I go back and get something just in 0:57:31.920 --> 0:57:35.320 retail to keep the income consistent so when it comes 0:57:35.400 --> 0:57:38.200 time to really start the process, that income stream is 0:57:38.240 --> 0:57:42.400 consistent or can I just maneuver something with cash on hand? 0:57:43.360 --> 0:57:46.400 No, I would go back to work immediately, so that 0:57:46.480 --> 0:57:50.000 way you keep that consistency and keep that W two flowing. 0:57:50.880 --> 0:57:53.840 And especially if you're trying to take advantage of low 0:57:53.920 --> 0:57:57.200 down payments and low interest rates, you want to go 0:57:57.240 --> 0:58:00.120 back to work or get a new job and his 0:58:00.240 --> 0:58:03.080 retail or whatever. You know what I'm saying, And hopefully 0:58:03.120 --> 0:58:06.560 it's the same type of thing you were making previously, 0:58:06.960 --> 0:58:09.280 so that way it's not a decline. But I would 0:58:09.320 --> 0:58:12.240 definitely say our advis get another job. 0:58:12.480 --> 0:58:13.760 Okay and keep it consistent. 0:58:13.840 --> 0:58:17.920 Okay, all right, appreciate it. Appreciate you, Eli, thank you. Man. 0:58:17.960 --> 0:58:20.320 Let me know if you have any questions about the blueprint. 0:58:20.240 --> 0:58:20.640 We'll do it. 0:58:20.680 --> 0:58:24.480 We'll do appreciate it. Thanks fellas. All right, absolutely, a 0:58:24.480 --> 0:58:27.240 couple more questions. Yeah, I see my guy, My God's 0:58:27.280 --> 0:58:37.120 calling in there you go. It's good, it's good man, 0:58:37.440 --> 0:58:38.760 page pace. 0:58:39.160 --> 0:58:40.640 Face pigs was going down. 0:58:41.040 --> 0:58:41.800 What's up? Killer? 0:58:42.400 --> 0:58:44.360 And now I see always tear the land up? 0:58:44.480 --> 0:58:51.040 Huh superstars the superstars bro always work. 0:58:51.600 --> 0:58:53.439 It's only right, man, it's toly right. 0:58:53.600 --> 0:58:53.800 Man. 0:58:56.800 --> 0:58:59.720 I got the blueprint too, Man, I got the blueprint as. 0:58:59.560 --> 0:59:03.440 Well, So tell tell people what's your thoughts on a blueprint? 0:59:03.560 --> 0:59:06.560 Keep it a buck No, I think I think it's 0:59:06.400 --> 0:59:08.680 it's it's all the way official, man. Like with the 0:59:09.360 --> 0:59:12.400 in terms of the layout the videos, like you said 0:59:12.440 --> 0:59:15.760 that people are participating in the comments asking questions that 0:59:16.200 --> 0:59:18.760 you didn't necessarily cover. But you you know, you you 0:59:18.960 --> 0:59:23.680 diving right in responding the quizzes. I think that's key 0:59:23.720 --> 0:59:25.560 because it really forces you to make sure you know 0:59:25.640 --> 0:59:28.240 what you actually but you just went over you know 0:59:28.280 --> 0:59:30.520 what I mean. I'm right now, I'm just going through 0:59:30.520 --> 0:59:33.800 the fah A regulation. So you know that's that's that's 0:59:33.840 --> 0:59:39.320 a lot of videos right there. Yeah, but some more too. No, no, no, 0:59:39.520 --> 0:59:41.520 but so far, man, I think it's I think it's 0:59:41.560 --> 0:59:43.520 I think it's, you know, a one one of the 0:59:43.520 --> 0:59:46.360 best courses in terms of like the different courses people 0:59:46.400 --> 0:59:47.280 have online or whatever. 0:59:47.280 --> 0:59:48.960 I would say it's definitely one of the top ones 0:59:49.000 --> 0:59:49.400 I've seen. 0:59:50.040 --> 0:59:51.640 Wo right, thank you. I appreciate that. Bro. 0:59:53.920 --> 0:59:57.800 You got a question all the question brouh nah nah Man, 0:59:57.840 --> 0:59:59.360 I just wanted to get on show some love. 0:59:59.360 --> 0:59:59.520 You know. 0:59:59.560 --> 1:00:01.360 I know you said you wanted to earn it, you know, 1:00:01.440 --> 1:00:03.320 talk about the course, man, So you know, I would 1:00:03.320 --> 1:00:05.400 suggest everybody go out there and get it. You know, 1:00:05.440 --> 1:00:08.040 I watched all the MATS videos, so a lot of 1:00:08.080 --> 1:00:10.240 the stuff, you know, I see the information, but just 1:00:10.280 --> 1:00:12.720 the way that he's packaged it and organized it in. 1:00:12.640 --> 1:00:15.160 A nice streamline way, you know what I mean. He 1:00:15.240 --> 1:00:17.160 got the little app. You can have it on your phone. 1:00:17.240 --> 1:00:20.200 You got it all the time, like rewind like it's 1:00:20.240 --> 1:00:23.880 it's it's It's definitely definitely worth the money, you know 1:00:23.960 --> 1:00:25.680 what I mean. Get it now, you know what I mean, 1:00:25.920 --> 1:00:28.200 before the price go up, I got it. I'm telling 1:00:28.200 --> 1:00:29.960 you get it. I say, get it for yourself, Get 1:00:29.960 --> 1:00:30.720 it for your kids. 1:00:30.800 --> 1:00:33.960 Man, that's a fact, brother, thank you. I appreciate that. 1:00:34.000 --> 1:00:34.160 Bro. 1:00:34.400 --> 1:00:36.760 Let's just show your cash apps in there in the 1:00:36.840 --> 1:00:42.120 air on YouTube and zoom. We're just gone. We get away. 1:00:42.400 --> 1:00:44.560 We do a little stimulus package. 1:00:45.480 --> 1:00:47.480 Wait, hold on, you're about to give a stimulus package 1:00:47.480 --> 1:00:48.120 away right now. 1:00:48.680 --> 1:00:50.919 Random, this is just a random stimulus just. 1:00:50.880 --> 1:00:52.680 You know what you're giving away? 1:00:54.120 --> 1:00:55.000 Oh, get away. 1:00:55.240 --> 1:00:57.520 We give away one hundred dollars to like five people 1:00:57.520 --> 1:00:59.000 with six people, one hundred dollars apiece. 1:00:59.160 --> 1:01:04.400 You know, fucking I'll match that less less. 1:01:04.480 --> 1:01:05.160 Let's match it. 1:01:05.600 --> 1:01:07.160 Let's let's do it. Let's do it. 1:01:07.320 --> 1:01:10.640 Just random, just a random, just a random What day 1:01:10.640 --> 1:01:12.800 is Thursday? So you know what's crazy is when he 1:01:12.880 --> 1:01:17.160 was in Atlanta, we went to Jeremy uh what's his 1:01:17.240 --> 1:01:17.680 naxt name? 1:01:18.240 --> 1:01:18.439 Man? 1:01:18.480 --> 1:01:22.120 My man shot him. He had us over his house. 1:01:22.160 --> 1:01:23.840 He got a beautiful house out. 1:01:23.720 --> 1:01:27.080 There in Atlanta, Like everybody got like the houses in Atlanta. 1:01:27.160 --> 1:01:30.280 It's crazy, crazy crazy. It's like, what are we doing 1:01:30.280 --> 1:01:30.800 for New York? 1:01:31.320 --> 1:01:31.800 Y'all? Love? 1:01:31.880 --> 1:01:32.000 Man? 1:01:32.000 --> 1:01:34.400 When I saw that house, I saw the pictures, I'm like, man, 1:01:34.480 --> 1:01:38.440 New York is just like so behind that crib in 1:01:38.440 --> 1:01:40.920 New York will probably cost you three million, easy, like 1:01:41.400 --> 1:01:42.000 five million. 1:01:44.320 --> 1:01:46.240 You see the whole thing. The pictures didn't even do 1:01:46.320 --> 1:01:49.400 with justice. Jeremy Anderson, Jeremy and Jeremy Anderson his wife. 1:01:49.800 --> 1:01:54.880 His wife had a as a two room closet. It's crazy, man, Like, 1:01:55.120 --> 1:01:56.240 it's crazy what he's doing. 1:01:56.800 --> 1:01:59.680 When they invited us, right the invitation, I'm like, I 1:01:59.720 --> 1:02:02.360 look at shot him like your what restaurant is in 1:02:02.360 --> 1:02:03.160 a house? 1:02:04.560 --> 1:02:07.080 They had a menu. They had a menu like this 1:02:07.160 --> 1:02:09.960 is this is lunch like salmon over. 1:02:11.360 --> 1:02:11.920 Maccaroni. 1:02:14.800 --> 1:02:16.080 Well he had the chef there too. 1:02:16.480 --> 1:02:19.680 Yeah, you got a personal chef. You had three backyards. 1:02:20.200 --> 1:02:22.760 He talking about putting a basketball court, tennis cornerback and 1:02:22.760 --> 1:02:25.240 I'm looking at him like, damn, you know what. 1:02:25.440 --> 1:02:26.480 Then Neil David something. 1:02:26.600 --> 1:02:30.200 He putting the elevator in his crib foor story elevator 1:02:30.240 --> 1:02:30.840 and living room. 1:02:31.240 --> 1:02:32.920 Like Frank Loser. 1:02:33.200 --> 1:02:35.120 Shout out to Neo the genius. 1:02:35.200 --> 1:02:37.080 Davis a legend. 1:02:38.000 --> 1:02:40.160 Neil is a legend, man, shout shout out to Neo. 1:02:40.320 --> 1:02:41.800 Man that guy special. 1:02:42.080 --> 1:02:43.680 I say that to say they just battling. 1:02:43.760 --> 1:02:46.080 Chris shouting this is two we tell so we sw 1:02:46.120 --> 1:02:49.160 he building his house and then Alex is getting the house. 1:02:49.240 --> 1:02:49.880 It's just crazy. 1:02:49.960 --> 1:02:52.680 So I say that to say, you know, I realized. 1:02:52.840 --> 1:02:54.640 I always knew that, but I just realized even when 1:02:54.680 --> 1:02:57.800 I was a two day afternoon. And one of the 1:02:58.280 --> 1:03:01.080 great things about financial literacy and things that everybody that 1:03:01.280 --> 1:03:04.600 we teach about is it allows your freedom. To me, 1:03:04.760 --> 1:03:06.800 freedom is even more important than money. And it's like 1:03:07.200 --> 1:03:09.560 when you're an entrepreneur, you're investor and you can actually 1:03:09.600 --> 1:03:13.720 live off income that you produce from like investment or 1:03:13.920 --> 1:03:14.840 just your business. 1:03:15.280 --> 1:03:17.600 You can make whatever day you want it to be. 1:03:18.240 --> 1:03:19.720 So if it's Tuesday and you want it to be 1:03:19.720 --> 1:03:24.080 a Saturday, it's Saturday now, correct. And if it's Sunday 1:03:24.120 --> 1:03:25.560 and you want it to be a Monday, you want 1:03:25.560 --> 1:03:29.040 to work like it's Sunday's Monday. You you literally you 1:03:29.120 --> 1:03:30.280 make whatever day you want. 1:03:30.120 --> 1:03:30.400 It to be. 1:03:30.600 --> 1:03:33.880 Like if you want Monday to be Friday, Monday's Friday. 1:03:34.920 --> 1:03:37.240 And that's something that it just kind of hit me 1:03:37.280 --> 1:03:40.160 because they were just like, Yo, it's Tuesday at eleven 1:03:40.160 --> 1:03:42.920 o'clock in the afternoon and we just playing basketball with 1:03:42.960 --> 1:03:47.680 Spargo halfway. 1:03:46.920 --> 1:03:51.160 So now Spargo to young legend Man, shout out to Spargo, 1:03:51.280 --> 1:03:54.000 shout out to truth Jones too. Two young legends. 1:03:54.000 --> 1:03:56.160 Man, I saw that you did a property for him. 1:03:56.160 --> 1:03:57.840 Shout out to him. Were supposed to link, man, but 1:03:58.560 --> 1:04:02.520 he'll get to know. Like sometimes scheduling, especially the way 1:04:02.560 --> 1:04:04.440 we're moving right now, is just like you know, if 1:04:04.480 --> 1:04:07.160 I get a second man, hopefully I can take a 1:04:07.200 --> 1:04:07.760 five minute and that. 1:04:07.960 --> 1:04:10.280 But you know, yeah, I just help him and his 1:04:10.400 --> 1:04:14.240 family secure on Atlanta mansion out there too, man, So 1:04:14.400 --> 1:04:16.919 shout out to the young legends. That's how him moving. 1:04:16.920 --> 1:04:19.280 And that's why I love this error right now, man, 1:04:19.280 --> 1:04:22.920 because you got fourteen year olds running circles around it. Man, 1:04:22.960 --> 1:04:23.560 it's crazy. 1:04:24.760 --> 1:04:28.000 It's it's like, yo, this education man, if you're not 1:04:28.080 --> 1:04:30.280 educating yourself right now, if you're not investing in yourself, 1:04:30.280 --> 1:04:34.400 if you're not on YouTube, listening to podcasts, like reading books, 1:04:34.400 --> 1:04:36.840 getting courses, it's like, this is happening in real time. 1:04:36.960 --> 1:04:40.040 This isn't it. It's not a facade like we see it. 1:04:40.560 --> 1:04:42.800 We see it from everybody that we know personally and 1:04:42.960 --> 1:04:44.680 just you know, taking trips like that, and it's like 1:04:44.760 --> 1:04:47.800 these people just regular people. We're just regular people. Me 1:04:47.960 --> 1:04:50.880 and Troys regular people. You're MG's a regular person, and 1:04:50.920 --> 1:04:54.040 it's like there's nothing really different from us than anybody 1:04:54.040 --> 1:04:56.960 else except we just we've required a little bit more education, 1:04:57.560 --> 1:05:01.240 not through school but through selfish and it has really 1:05:01.240 --> 1:05:02.080 helped us tremendously. 1:05:02.080 --> 1:05:02.720 We just got a truck. 1:05:02.760 --> 1:05:05.240 We're gonna we're gonna talk about that, but we got 1:05:05.240 --> 1:05:07.320 a truck, got an eighteen wheeler, got our first eighteen 1:05:07.360 --> 1:05:10.000 wheeler that we're gonna put on the road God willing 1:05:10.040 --> 1:05:11.680 like within the next couple of weeks. And that's all 1:05:11.720 --> 1:05:13.480 through educational personally. 1:05:14.200 --> 1:05:16.800 Shout out to Alex Man. Alex course is wonderful. 1:05:16.840 --> 1:05:17.080 Man. 1:05:17.400 --> 1:05:19.320 I took his course, you know. And that's what I 1:05:19.320 --> 1:05:22.400 tell people all the time. I purchased courses right all 1:05:22.440 --> 1:05:24.840 the time. Like I purchased Alex Course, I purchased for the. 1:05:24.840 --> 1:05:36.400 States Matrix, Matrix Gon Shock and screw. Now you're looking crazy, 1:05:37.520 --> 1:05:39.720 They say, it looks like it's doctor hell is hot. 1:05:39.720 --> 1:05:43.000 His time limit, his time limit was up. But Troy, 1:05:43.040 --> 1:05:45.520 can you get to the people on zoom get a 1:05:45.520 --> 1:05:47.200 couple of names with people, and so we're gonna give it. 1:05:47.200 --> 1:05:49.320 We're gonna give You're gonna give away to cash that 1:05:49.440 --> 1:05:52.880 hopefully MG comes back, but if not, we'll finish out 1:05:52.920 --> 1:05:55.960 the leg for him. So yeah, MG, his his uh, 1:05:56.000 --> 1:05:59.400 his whole entire cyclopedia. I'm gonna fall the course in encyclopedia, 1:05:59.640 --> 1:06:01.600 but you're over one hundred and ten videos and he 1:06:01.680 --> 1:06:04.600 keeps adding to it. Like I said at the beginning 1:06:04.640 --> 1:06:07.160 of this, seventy eight spots laft So if get interested, 1:06:07.560 --> 1:06:10.320 it's in the description of this video. We also penned it. 1:06:10.720 --> 1:06:12.840 It's on a link in his bio, and it's on 1:06:12.880 --> 1:06:16.680 our website as well, early in leasia dot com. And 1:06:16.760 --> 1:06:19.120 like I said, financial literacy is life for death these days, 1:06:19.160 --> 1:06:21.520 so you know stuff like the Infama. It's only a 1:06:21.520 --> 1:06:23.320 couple of hundred dollars too. That's the crazy thing about it. 1:06:23.400 --> 1:06:25.600 He could have easily charged I tell you, that's a textbook. 1:06:25.680 --> 1:06:25.800 Man. 1:06:26.160 --> 1:06:29.000 I took physics. Yeah that's in college and the textbook 1:06:29.040 --> 1:06:29.840 was two ninety five. 1:06:29.880 --> 1:06:32.760 You could have easily charged thousands of dollars, two three 1:06:32.760 --> 1:06:34.840 thousand dollars. So you know, a couple of hundred dollars. 1:06:34.920 --> 1:06:38.160 That's like a no brain in my in my But yeah, 1:06:38.240 --> 1:06:42.000 hopefully we can come back. If not, we will end this, 1:06:42.240 --> 1:06:45.200 but make sure you cop the merch merche. We're gonna 1:06:45.200 --> 1:06:47.560 do the whole episode about merch, but we changed our 1:06:47.600 --> 1:06:49.959 operations I think that that's something that people can learn about. 1:06:50.000 --> 1:06:51.240 So what'll be giving you the. 1:06:51.240 --> 1:06:53.400 Game or how we change our operation with merch and 1:06:53.440 --> 1:06:56.760 how we are doing it ourselves now. And we got 1:06:56.760 --> 1:06:59.280 a whole operation going with merch and we got a huge, 1:06:59.360 --> 1:07:01.320 huge episode coming out and next week. 1:07:01.360 --> 1:07:03.320 But we got a big episode out right now with 1:07:03.560 --> 1:07:04.960 the homie Snoop. That's a big one. 1:07:05.000 --> 1:07:07.400 So make sure you check that out at end. Yeah, 1:07:07.480 --> 1:07:10.680 shoutut Market Monday shot at Uile University. Everybody on the 1:07:10.720 --> 1:07:11.960 check it. We just wanted to tell you this was 1:07:12.000 --> 1:07:14.800 an imprompto impromp two thing that we wanted to do 1:07:14.840 --> 1:07:17.440 with MG, just to you know, answer some questions if 1:07:17.480 --> 1:07:19.680 we could. It wasn't like a scheduled thing. This isn't 1:07:19.680 --> 1:07:21.640 part of UI University anything like that. This is just 1:07:21.680 --> 1:07:23.840 something that we just randomly did on a random Thursday, 1:07:24.480 --> 1:07:27.840 fresh off the flight, just blew back from Atlanta. And yeah, 1:07:27.920 --> 1:07:32.120 so yeah, MG, greetings and salutations to him. 1:07:33.640 --> 1:07:36.400 On his journey. National Quotes Shop real quick. 1:07:36.680 --> 1:07:42.440 Earnest Andrew had a U Sharita and llocat. 1:07:44.400 --> 1:07:46.520 We've been selected. So I'm gonna just keep maybe running 1:07:46.520 --> 1:07:47.680 down maybe one or two more names. 1:07:47.680 --> 1:07:49.360 But I was like you know, when I hear that book, 1:07:49.360 --> 1:07:51.240 that's because I'm texting it right to shoty ads. This 1:07:51.320 --> 1:07:53.520 is happening, all right, Yeah, yeah, yeah, So shout out 1:07:53.520 --> 1:07:55.439 to y'all. Yeah yeah, yeah, for sure. And I got 1:07:55.480 --> 1:07:58.640 I got toned bag on YouTube. I got Mike math 1:07:58.720 --> 1:08:07.480 on YouTube. I got mom massage message on YouTube. And uh, 1:08:08.080 --> 1:08:09.600 Nephew Nephew nine hundred. 1:08:09.640 --> 1:08:12.880 I like that name. I like that Nephew nine hundred. 1:08:12.880 --> 1:08:16.000 We'll do Nephew nine hundred money seven five seven two, 1:08:17.280 --> 1:08:21.080 and we'll do uh f g M three d oh 1:08:21.160 --> 1:08:23.320 yeah that's what moted. He said, we wasn't live. We're 1:08:23.320 --> 1:08:24.880 about to see how live we really are. I just 1:08:24.920 --> 1:08:25.240 picked you. 1:08:27.000 --> 1:08:31.599 So yeah, we'll get these out tonight unless cash up 1:08:31.680 --> 1:08:33.400 limits us to how much money we can we can 1:08:33.439 --> 1:08:33.680 send you. 1:08:33.920 --> 1:08:35.120 Isn't that crazy? Yeah? 1:08:35.160 --> 1:08:37.040 If not, then we'll do it tomorrow. We'll we'll get 1:08:37.080 --> 1:08:40.160 everybody in. But yeah, man, MG, I'm not sure what 1:08:40.200 --> 1:08:42.200 happened to him, but it was perfect timing because he 1:08:42.320 --> 1:08:44.280 was playing on ending it after the hour anyway, So 1:08:44.320 --> 1:08:46.960 like I said, shouts all earner is out there, shout 1:08:47.040 --> 1:08:49.840 everybody on YouTube. Uh, we got a bunch of stuff 1:08:49.840 --> 1:08:55.280 lined up this impromptu U pop up session Thursday, and oh. 1:08:55.120 --> 1:09:01.720 It's bad back, Matt. He's back with no no sammute yourself, Bro, 1:09:01.920 --> 1:09:04.960 you've been on you been on muting, Like I said, 1:09:05.680 --> 1:09:06.920 shot out there. 1:09:09.080 --> 1:09:12.679 The league, Matt, y'all, I'm back. 1:09:14.200 --> 1:09:15.799 Cut the volume on your phone down. 1:09:15.840 --> 1:09:17.439 I did, Bro, I did so. 1:09:17.520 --> 1:09:19.519 Yeah, we were just closing this out. Bro, he's closing 1:09:19.560 --> 1:09:19.880 this out. 1:09:21.320 --> 1:09:23.439 Yeah, man, I don't know what happened, y'all. 1:09:23.840 --> 1:09:27.080 The matrix, Yeah, that's what happens when you have devil 1:09:27.080 --> 1:09:28.080 read in the back back. 1:09:30.000 --> 1:09:35.559 The devil is a liar son. 1:09:35.280 --> 1:09:35.880 All ears. 1:09:35.920 --> 1:09:38.599 I'm gonna see you this Sunday. It is the start 1:09:38.600 --> 1:09:40.920 of our new book, Money Mesters the Game. So we're 1:09:40.920 --> 1:09:41.720 gonna do a section two. 1:09:41.920 --> 1:09:43.479 Hold on, you gave away a cash shot. 1:09:44.160 --> 1:09:47.320 Yeah, yeah, I got a bunch, so I'll hit you too, 1:09:47.840 --> 1:09:51.320 all right, send me five, all right that we'll see 1:09:51.320 --> 1:09:52.559 everybody on Sunday. 1:09:53.040 --> 1:09:57.760 That's right, Yeah, somebody study all. I'll see you got Sunday, Matt. 1:09:58.040 --> 1:10:00.479 I just I just told them the whole recap of 1:10:00.520 --> 1:10:04.160 the course, the encyclopedia. I don't even like call for cyclopedia, 1:10:04.200 --> 1:10:06.320 but anything. Any last words you want to say. 1:10:08.200 --> 1:10:10.800 For everybody who's out there buying a home right now, 1:10:11.320 --> 1:10:14.360 make sure you understand your purchase contract, make sure you 1:10:14.439 --> 1:10:17.920 have the right expectations going into the mortgage process. Like 1:10:17.960 --> 1:10:21.839 I said early on this Live that the mortgage industry 1:10:22.160 --> 1:10:26.639 is set to have the second biggest year in US history. 1:10:26.720 --> 1:10:29.320 You know what I'm saying, So understand term times might 1:10:29.320 --> 1:10:33.400 be delayed. Appraisals might be delayed right now, underwriter might 1:10:33.400 --> 1:10:36.560 be delayed. So just make sure you have your expectations 1:10:36.560 --> 1:10:40.479 set properly. If you're out here buying property right now, 1:10:40.520 --> 1:10:44.840 it's not easy when it comes to getting loans right now, 1:10:44.880 --> 1:10:47.640 So just have your expectations. But in terms of the 1:10:47.960 --> 1:10:51.200 home buys blueprint, I don't think there's nothing comparable on 1:10:51.200 --> 1:10:55.599 the market to it in all honesty, the information, the 1:10:55.640 --> 1:10:58.080 time that it took to put all of that together, 1:10:58.640 --> 1:11:03.160 one hundred plus videos. Anybody who's in this course right now, 1:11:03.280 --> 1:11:08.560 they're learning, they're retaining. I'm seeing as they're taking these assessments, 1:11:08.840 --> 1:11:12.840 they're passing it, and just from the comments, it's just 1:11:12.880 --> 1:11:14.759 so even if you're in the comments of these sections, 1:11:14.840 --> 1:11:18.040 it's like a whole nother lesson that's going on. So 1:11:18.280 --> 1:11:21.880 I will highly advise anybody who's watching this if you 1:11:22.040 --> 1:11:24.759 plan on buying a home within the next twelve months, 1:11:24.800 --> 1:11:27.080 if you're a first time home buyer, if you're a 1:11:27.120 --> 1:11:29.839 new real estate agent, if you're a new loan officer. 1:11:30.439 --> 1:11:34.080 Especially for the professionals, those classes to get licensed don't 1:11:34.120 --> 1:11:36.400 teach you product. It doesn't teach you the process. It 1:11:36.520 --> 1:11:39.519 just teach you the law. This blueprint is not just 1:11:39.560 --> 1:11:41.759 for the home buyers, for you as well to understand 1:11:41.800 --> 1:11:44.040 and learn the process. There's a lot of loan officers 1:11:44.040 --> 1:11:46.880 in relatives who's purchase this course already and they got 1:11:46.920 --> 1:11:49.719 rave reviews upon it. So this will help you guys 1:11:49.840 --> 1:11:52.679 and help your product knowledge as well before your first 1:11:52.720 --> 1:11:54.719 time home buyers, even if you're a move up buyer 1:11:55.240 --> 1:11:57.240 or you're having purchases at home in a while. You 1:11:57.320 --> 1:11:59.200 just want to have a better understanding of what to 1:11:59.280 --> 1:12:03.400 expect in today's market, Like this is information for today's market. 1:12:03.600 --> 1:12:08.240 You know COVID nineteen. So take the course, learn it, 1:12:08.360 --> 1:12:11.120 retain it, be on the lookout for all the updates 1:12:11.560 --> 1:12:14.719 and look, if you don't follow me already on Instagram, 1:12:14.760 --> 1:12:19.280 hit me MG the mortgage Guy and Earners. There's a 1:12:19.320 --> 1:12:21.479 couple of people that came into comments and asking about 1:12:21.479 --> 1:12:24.000 the e y l u discount. I'm going to post 1:12:24.000 --> 1:12:26.800 a link for e y lu members in the Facebook 1:12:26.880 --> 1:12:29.280 group again, so that way you guys want to purchase, 1:12:29.280 --> 1:12:31.640 That way you can get the e y l u discount. 1:12:31.880 --> 1:12:33.680 If you're not an e y lu member and you 1:12:33.680 --> 1:12:36.959 buy the home Buyers Blueprint, I highly recommend take advantage 1:12:36.960 --> 1:12:40.280 of the bundle that e y l is offering to 1:12:40.439 --> 1:12:43.880 join e y l u two. And that's all I 1:12:43.920 --> 1:12:45.479 really got for you guys. Man, if you DM me 1:12:46.120 --> 1:12:50.200 on Instagram, you're having a conversation with the order responder, 1:12:50.360 --> 1:12:52.439 just please understand that right now, that is not me. 1:12:52.880 --> 1:12:56.200 That's the order responder. And I do check the dms 1:12:56.240 --> 1:12:58.280 from time to time, but I'm not in dms all 1:12:58.360 --> 1:13:01.520 day long. I will highly recommd in. If you have questions, 1:13:01.720 --> 1:13:04.000 turn on your post notifications. If you see me on 1:13:04.080 --> 1:13:07.840 Instagram live, jump on live. I'm always answering questions. It's 1:13:07.880 --> 1:13:10.200 like a home buying seminar every time I go on live. 1:13:10.280 --> 1:13:12.479 So you know, if you don't want to get the 1:13:12.520 --> 1:13:14.479 cost and you still want to learn from me, make 1:13:14.520 --> 1:13:16.479 sure you jump on my lives and go to my 1:13:16.560 --> 1:13:19.439 YouTube channel. MG the mortgage gout and binge. Watch the 1:13:19.439 --> 1:13:22.840 playlist because at the end of this month, I'm archiving everything. 1:13:23.800 --> 1:13:25.240 All right, Bro, we go to get you some more 1:13:25.360 --> 1:13:25.720 merch too. 1:13:25.840 --> 1:13:29.439 Yeah, we get We gotta shout out to the albums. 1:13:29.640 --> 1:13:30.519 Yeah, shout out that album. 1:13:31.520 --> 1:13:32.759 What's that it was written? 1:13:33.040 --> 1:13:37.479 Now we got yeah? Yeah yeah? And coming off. 1:13:37.600 --> 1:13:39.439 Queens get the money. Shout out to queens. 1:13:39.840 --> 1:13:42.000 You know, every time I hear you coming in playing, 1:13:42.880 --> 1:13:43.200 got to. 1:13:43.120 --> 1:13:44.920 Put Queens on. I need some of that pink merchant. 1:13:44.920 --> 1:13:49.280 Where's my where's my my tenured varsity jacket? Man? 1:13:49.720 --> 1:13:51.679 We got we got bunch, got got a whole box. 1:13:51.920 --> 1:13:52.920 Send your whole box of merch. 1:13:53.000 --> 1:13:56.080 Listen, listen, I'm tenured now, Bro, I need jackets. 1:13:56.840 --> 1:13:57.160 On the way. 1:13:57.160 --> 1:14:00.320 I see a lot of people sending sending messages. He's 1:14:00.360 --> 1:14:03.040 hitting me by the ideas. Look, man, I'm excited about it. 1:14:03.080 --> 1:14:04.599 I want to get it out there. Hopefully we'll get 1:14:04.600 --> 1:14:09.439 it out I'm thinking November we're gonna release some stuff. 1:14:09.439 --> 1:14:11.439 We're gonna lease some stuff, some new, brand new things. 1:14:11.600 --> 1:14:13.360 Well send you will send you all the merchant. 1:14:13.960 --> 1:14:16.439 And I appreciate that, fellas. And I just checked the stats, 1:14:16.560 --> 1:14:19.599 is like sixty five left for the fifty percent discount. 1:14:19.680 --> 1:14:22.240 So if you guys want to take advantage, take advantage now, 1:14:22.320 --> 1:14:25.000 because once it's gone, I don't have to tell you. 1:14:25.120 --> 1:14:25.839 I like the quizzes. 1:14:25.840 --> 1:14:27.680 I like the quizies in it too, Like after each 1:14:27.720 --> 1:14:29.840 session remind me of being in school, you get quiz 1:14:29.920 --> 1:14:30.120 on it. 1:14:30.600 --> 1:14:35.000 So but Matt Man, thank you for your time. Appreciate you. 1:14:35.840 --> 1:14:38.960 And yeah, I sent you to cash that information too 1:14:39.000 --> 1:14:39.799 for all those people. 1:14:39.880 --> 1:14:43.240 So all right, cool, I appreciate y'all. Man, shout out 1:14:43.280 --> 1:14:45.080 to all the earners, and shout out to E y 1:14:45.240 --> 1:14:48.320 L Nation. Make sure y'all go check episode one oh 1:14:48.560 --> 1:14:52.599 four and episode twelve The Goat episode. 1:14:52.680 --> 1:14:55.639 Yo O Joe, today, I promise you. We're in the airport. 1:14:56.720 --> 1:14:58.680 This gentleman who was in lineing you look back a 1:14:58.720 --> 1:15:03.240 few times. I was just like, yo, Troy, that's what 1:15:03.880 --> 1:15:05.320 you're doing here. 1:15:05.520 --> 1:15:07.000 And I was like, yeah, we're about to fly back 1:15:07.040 --> 1:15:09.920 to New York. He's like, yo, Man'll be honest with you. 1:15:09.920 --> 1:15:12.000 Man, I've been putting my wife on start listening to 1:15:12.080 --> 1:15:12.839 episode twelve. 1:15:13.520 --> 1:15:18.920 I was like, interesting, interesting episode, I said. I said, yeah, 1:15:18.920 --> 1:15:20.680 we're gonna be doing something with that guy to night. Man. 1:15:20.720 --> 1:15:22.559 He's like y'all gonna check that out, man for sure. 1:15:24.240 --> 1:15:25.519 Episode one oh four. 1:15:26.000 --> 1:15:29.519 Yes, two time champ e y L podcast, the only 1:15:29.560 --> 1:15:32.400 two time champ y'all. Don't forget that back for a 1:15:32.439 --> 1:15:34.200 third one two the only. 1:15:34.080 --> 1:15:36.160 One who's been in this in this in this studio. 1:15:36.240 --> 1:15:37.280 So shout out to you. Man. 1:15:37.360 --> 1:15:40.000 I always love all right, nothing but love my brothers. 1:15:40.479 --> 1:15:44.320 So alight, y'all be safe, be good to each other. Teck, 1:15:44.400 --> 1:15:45.519 somebody call somebody you know. 1:15:45.680 --> 1:15:47.640 Make sure on YouTube. I hit that like button and 1:15:47.680 --> 1:15:48.519 share this with people. 1:15:48.560 --> 1:15:54.760 Man, my graduates from my school being forced back drop 1:15:55.800 --> 1:15:58.320 drop Mike drop drop. 1:16:09.520 --> 1:16:13.200 An illegal alien from Guatemala charged with raping a child 1:16:13.200 --> 1:16:17.000 in Massachusetts. An MS thirteen gang member from Al Salvador 1:16:17.240 --> 1:16:21.400 accused of murdering a Texas man of Venezuelan charged with 1:16:21.439 --> 1:16:25.360 filming and selling child pornography in Michigan. These are just 1:16:25.439 --> 1:16:29.160 some of the heinous migrant criminals caught because of President 1:16:29.240 --> 1:16:32.840 Donald J. Trump's leadership. I'm Christy nom the United States 1:16:32.840 --> 1:16:37.639 Secretary of Homeland Security. Under President Trump, attempted illegal border 1:16:37.680 --> 1:16:41.240 crossings are at the lowest levels ever recorded, and over 1:16:41.280 --> 1:16:44.479 one hundred thousand illegal aliens have been arrested. If you 1:16:44.560 --> 1:16:48.439 are here illegally, your next you will be fine nearly 1:16:48.520 --> 1:16:52.519 one thousand dollars a day, imprisoned, and deported. You will 1:16:52.560 --> 1:16:56.200 never return. But if you register using our CBP home 1:16:56.240 --> 1:16:59.639 app and leave now, you could be allowed to return legally. 1:17:00.080 --> 1:17:04.719 Do what's right. Leave now. Under President Trump America's laws, 1:17:04.920 --> 1:17:07.360 border and families will be protected. 1:17:07.439 --> 1:17:09.599 Sponsored by the United States Department of Homeland Security,