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Speaker 1: Coach, the energy out there felt different. What changed for

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Speaker 1: the team today?

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Speaker 2: It was a new game day scratches from the California

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Speaker 2: Lottery players everything. Those games sent the team's energy through

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Speaker 2: the roof.

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Speaker 1: Are you saying it was the off field play that

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Speaker 1: made the difference on the field.

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Speaker 2: Hey, little play makes your day, and today it made

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Speaker 2: the game. That's all for now, coach, One more question.

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Speaker 1: Play the new Los Angeles Chargers, San Francisco forty nine

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Speaker 1: ers and Los Angeles Rams scratchers from the California Lottery.

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Speaker 1: A little play can make your day.

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Speaker 3: Peace made.

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Speaker 1: Responsibility must be eighteen years or older to purchase late

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Speaker 1: or claim.

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Speaker 3: Yeah, And I'll start with you. So you was telling

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Speaker 3: us what we was eating. As far as I know,

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Speaker 3: Atlanta is our second biggest market in our second home,

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Speaker 3: and we got a lot of love that Atlanta. And

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Speaker 3: I'm sure a lot of people in this chat right

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Speaker 3: now from Atlanta or thinking to move to Atlanta. So

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Speaker 3: can we talk about the Atlanta real estate market right now?

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Speaker 4: Sure?

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Speaker 5: Sure, sure, Atlanta, we are really on a really fast

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Speaker 5: pace to grow, so let's just talk about it. Across

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Speaker 5: the country, there was a fifteen percent growth in the

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Speaker 5: real estate market. That's the country. However, and US say

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Speaker 5: today they had an article about three cities that actually

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Speaker 5: grew over eighteen percent in the real estate market through COVID,

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Speaker 5: and Atlanta, Georgia was on that list. It was actually Atlanta, Georgia, Doring,

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Speaker 5: North Carolina, in Austin, Texas. What I want people to

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Speaker 5: realize is that Atlanta, unlike many other cities, Yes we

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Speaker 5: are you know, we're experiencing inflation, but Atlanta, we're in

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Speaker 5: the middle of a growth spurt. When I moved to

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Speaker 5: Atlanta two thousand and six, two thousand and seven, they

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Speaker 5: said we were going to be the Black Hollywood. So

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Speaker 5: keep in mind, we're just living up to that promise.

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Speaker 5: You earners are coming here and you're earning these look

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Speaker 5: you're making them earnings and you're driving the price up.

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Speaker 5: So Atlanta, we are in a phenomenal market, but we

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Speaker 5: have historically low inventory. So that is that's that's a

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Speaker 5: thorn in our side as a real estate agent. If

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Speaker 5: I had the inventory from two years ago with the

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Speaker 5: clients I got today, it'd be real up and stuck

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Speaker 5: right now, all right, But at this moment, we have

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Speaker 5: so you know, just to kind of some context, so

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Speaker 5: I want to educate you guys. When you were having

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Speaker 5: twelve months of inventory, you know, you're really pretty much

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Speaker 5: in a buyer's market. You come down to six months

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Speaker 5: of inventory, then you really get closer to that neutral market.

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Speaker 5: We have one and a half one point two months

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Speaker 5: of inventory, so that's one month, one year, one month,

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Speaker 5: one point two months. That's not even a full month. Yeah,

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Speaker 5: we have no inventory to actually support the number of

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Speaker 5: buyers that we have out here. So that's driving the

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Speaker 5: price up. It's simple to apply and demand, you know,

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Speaker 5: and it's pure economics. Anyone here can speak on that.

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Speaker 5: So we have more demand than we have supplies driving

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Speaker 5: the price up. It's good, but it's not so good,

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Speaker 5: you know what I mean. So I would say Atlanta

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Speaker 5: right now, if I was looking to invest in Atlanta,

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Speaker 5: I would tell you to do it now because right

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Speaker 5: now it is a great time to invest, so you

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Speaker 5: can take advantage of these price increases. You know, people

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Speaker 5: are you know, getting amazing equity returns. Yeah.

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Speaker 6: So one of the things that holds people back when

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Speaker 6: not just Atlanta, but you can speak on it.

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Speaker 3: It's interest rates.

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Speaker 6: And I know they were pretty low at.

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Speaker 3: One point during the pandemic.

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Speaker 6: I know they've kept up back over three what's your

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Speaker 6: outlook on interest rates?

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Speaker 3: And what are you seeing? Are you seeing people doing

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Speaker 3: fifteen year conventional loans or thirty year conventions? What are

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Speaker 3: you seeing?

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Speaker 6: Are we buying cash out there?

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Speaker 3: What's going on?

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Speaker 7: You want me to take this? So you got well, I.

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Speaker 5: Can tell you the money is outside. I mean, I

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Speaker 5: hate to say it like that, but most people are

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Speaker 5: doing a thirty year fix because the interest rates are

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Speaker 5: so low. But I'm finding more and more cash buyers.

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Speaker 5: And we used to see that a lot in the

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Speaker 5: lower price points, like two hundred thousand, three hundred thousand.

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Speaker 5: I'll tell you the other day of a home that

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Speaker 5: one of my buyers lost an offer on. It was

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Speaker 5: listed at six hundred and fifty seven thousand. It sold

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Speaker 5: at seven hundred and seventy thousand to a cash buyer

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Speaker 5: in Alpharetta, Alpharetta, Georgia. So I say that to say

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Speaker 5: I'm noticing more and more cash buyers. I just reviewing

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Speaker 5: off for one of my agents and she just lost

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Speaker 5: an eight hundred thousand dollars house to a cash buyre.

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Speaker 5: So our cash buyers are relocating here to Atlanta Atlanta

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Speaker 5: is actually them before on the list for the best

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Speaker 5: place to live in the world. So keep in mind,

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Speaker 5: you have DMV, you have California, you have Miami. All

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Speaker 5: these cleek places are coming here because no matter how

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Speaker 5: how our prices are, the cost of living in Atlanta

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Speaker 5: is still better than all these other locations.

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Speaker 4: Yeah, this reminds me of my bad go back right now.

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Speaker 4: This reminds me a lot of two thousand and seven.

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Speaker 4: So Alpharetta and Northcross is like on fire. Yes, properties

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Speaker 4: like four hundred thousand. What are some of the best

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Speaker 4: areas in Atlanta to invest in? And do you see

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Speaker 4: any similarities from two thousand and seven and eight to now?

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Speaker 5: The only similarity that I see is the demand. We

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Speaker 5: have a lot of demand and a lot of people purchasing.

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Speaker 5: But that's the only similarity because then we had a

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Speaker 5: lot of inventory back in two thousand and six two

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Speaker 5: thousand and seven, so you were we were able to

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Speaker 5: actually help those people buy those properties. In this particular climate,

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Speaker 5: we have no inventory. And on top of that, there's

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Speaker 5: so many more lending restrictions. You just can't walk in

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Speaker 5: and bank and say, hey, I'm a millionaire. My credit

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Speaker 5: score is seven hundred, give me a house. Now they

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Speaker 5: want your blood, your sweat, your tears, your blood, your dogs.

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Speaker 5: You know, you can't just walk in there. There's so

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Speaker 5: many layers, so you can't do that. But the areas

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Speaker 5: that I see, but I think that most people really.

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Speaker 5: Pay attention to is the part of Mariata that's by

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Speaker 5: the Brave Stadium. That's three zero zero three nine if

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Speaker 5: I'm not mistaken mistaken, but that specific zip code where

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Speaker 5: the Brave Stadium is Brookhaven three zero three one nine.

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Speaker 5: It is Robin because it's right outside of Buckhead and

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Speaker 5: it's not overly saturated, so you want to go there.

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Speaker 5: We also have the Westview West End area, which we

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Speaker 5: saw significant growth with them last year to the point

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Speaker 5: where the mayor put a hold on permits because the

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Speaker 5: prices were increasing so much, and.

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Speaker 7: A whole lot of modern, new, modern.

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Speaker 5: Bills are being built. So anything within the city of Atlanta. Yes,

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Speaker 5: East Atlanta three h three one seventh West Atlanta three

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Speaker 5: zero three one eight people West Atlanta, what is really

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Speaker 5: really growing because they've created their own city within the

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Speaker 5: city that used to be bank Head.

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Speaker 3: You know, shout out, shout out to they got the

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Speaker 3: belt line right, Yes, yes.

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Speaker 5: So the Atlanta belt Line is attracting so many people,

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Speaker 5: and it's really adding that convenience here because that's the

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Speaker 5: only thing that we didn't have. You know, we didn't

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Speaker 5: have the convenience of the belt line. We didn't have

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Speaker 5: that indoor outdoor living. But now we have that in Atlanta,

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Speaker 5: and it's growing significantly. More restaurants, more buildings are coming here.

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Speaker 5: It's just amazing.

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Speaker 3: That's exact. Matt. Let me ask you for two questions.

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Speaker 3: I want to get your take on an interest rate

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Speaker 3: question since you're in that world, and then also are

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Speaker 3: here mortgages the second homes in Skyrocket right now, So

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Speaker 3: what's your take on those two different things?

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Speaker 5: Yeah?

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Speaker 7: Absolutely, man, So interest rates right now, I would say

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Speaker 7: for the loan applications that I see, I'm seeing more

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Speaker 7: thirty effects than anything. Right, it's just to me, the

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Speaker 7: most cost effective way to purchase a home versus going

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Speaker 7: to a fifteen or twenty year mortgage. So most of

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Speaker 7: the applications that me and my team see is all

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Speaker 7: thirty fixed right. Interest rate wise, FHA still at all

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Speaker 7: time low. Depending on property type, loan amount, you can

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Speaker 7: be anywhere in that two point six two five percent

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Speaker 7: range maybe to like three percent, just dependent on credit scores,

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Speaker 7: property type, and loan amount. But rates are still extremely low,

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Speaker 7: you know, conventional mortgages, you know, high tools, low threes,

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Speaker 7: again depending on credit score, property type, loan amount. So

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Speaker 7: rates are fairly, fairly, fairly still low. I'm still a

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Speaker 7: historical rates. Money is the cheapest it's ever been over

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Speaker 7: the past couple of years. So definitely don't wait, don't

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Speaker 7: hesitate in my Troy voice, because it's here today and

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Speaker 7: going tomorrow.

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Speaker 5: Now.

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Speaker 7: As far as mortgages for second homes, I mean, this

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Speaker 7: is you know, happening all over the country because of COVID,

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Speaker 7: because of the pandemic, people can work from home, people

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Speaker 7: are making more money because they're investing. So now you

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Speaker 7: have these luxuries where you don't have to stay in

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Speaker 7: New York twenty four to seven to go to work.

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Speaker 7: Companies are now embracing people working home and working on zoom.

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Speaker 7: So now you have places like Miami, for example, their

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Speaker 7: luxury market with second homes is up one hundred and

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Speaker 7: one percent year over year. Like, it's absolutely insane right

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Speaker 7: now when it comes to this, right and over the

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Speaker 7: past eleven months, mortgage applications for second homes are up

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Speaker 7: over one hundred and seventy eight percent, you know what

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Speaker 7: I'm saying year over year, and it's on eleven month

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Speaker 7: straight growth street. So it's absolutely incredible. This is the

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Speaker 7: time for those who have money to be able to

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Speaker 7: go ahead and buy second homes. You can use these

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Speaker 7: second homes as air and b so they can serve

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Speaker 7: for a two for one right when you go out

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Speaker 7: of town, you can go visit. You can stay there

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Speaker 7: with your family, your friends, or whoever. And when you're

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Speaker 7: not there, you can airbnb it and it kind of

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Speaker 7: it can pay for itself. So it's a double edged sword,

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Speaker 7: so to speak. So those second homes, you know, look

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Speaker 7: into it, people, man, I mean, you got so many

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Speaker 7: good areas Pocono's Miami. You know, whatever your budget is

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Speaker 7: and if you're dealing with vacation areas, especially now America

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Speaker 7: is reopen. Look at the CDC. They're finally going to

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Speaker 7: open up New York in two days. You know what

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Speaker 7: I'm saying, Like, Yeah, d d C is saying forget

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Speaker 7: your mask, go outside, live la loca.

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Speaker 3: You know what I'm saying.

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Speaker 7: Careful, you know, but be careful. I must still be

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Speaker 7: outside in my mask. Hold y'all up.

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Speaker 4: It's interesting with CMO. He got in that scandal and

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Speaker 4: all of a sudden he's lifting everything in New York

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Speaker 4: to be mindful.

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Speaker 7: My graduates from my school being forced back drop drop, Mike,

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Speaker 7: drop back drop.

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