Welcome to Houston Inside Out! We interview real estate professionals, local business owners and special guests from right here in the Houston community. This is where you get the inside scoop about what's new in real estate, new community openings and business openings and much more.
This episode is part 2 of a 4-part video series of Houston Inside Out with S.A. Sola. Today, they talk about how Sola got into the fragrance business and how he succeeded. Also, you will know more about helpful tips and principles about the importance of action and having the right focus.
Tune in now and gain more wisdom that will take yourself and your business journey to a higher level.
“Execution is key.” – S.A. Sola
“I want to live my life to be my highest self, year over year, month over month, day over day.” – S.A. Sola
“Find your passion, find your purpose, and find your person.” – S.A. Sola
Nostalgia Collection by Sola
The Zenith Year, by Sola - coming soon
[0:00:01.0] How S.A. Sola got into the fragrance business
[0:03:00.0] Positioning yourself with big-time people in the industry
[0:03:28.0] Just get started and keep going
[0:04:57.0] Anyone can be anything they think they can be
[0:07:20.0] There are more opportunities available
[0:08:02.0] S.A. Sola’s focus this 2020
[0:09:22.0] You are your brand
This episode is part 1 of a 4-part of Houston Inside Out. And today, we have with us S.A. Sola with an upcoming book, The Zenith Year, and we will talk about how planning for your Zenith Year can totally elevate you and set you up for greater goals and success.
Want to learn more?
Give this episode a listen!
“Life will throw you curveballs even when you’re planning. So, can you imagine not planning at all and getting thrown curveballs? So, why not plan your year the way that those curveballs come you can adjust.” – S.A. Sola
“Reaching your highest self means that you evolve daily and you rise year over year.” – S.A. Sola
[0:00:01.0] Greetings and introduction of S.A. Sola [
0:02:15.0] The Zenith Year – Book by S.A. Sola
[0:03:57.0] Planning your year and being able to adjust
[0:06:12.0] Planning 2 years ahead
[0:08:31.0] Time flies by so fast
[0:08:31.0] Setting up different goals for different aspects of life – Setting goals within goals
In today’s episode, we are talking about how your closing date will affect the closing cost. When would be the best time for you to lock in?Tune in now and understand how the final closing rate is affected by the date and know when is the best time for you! QUOTES“Bottom line is this: Everything is paid in arears.”MENTIONSwww.myhoustoninsideout.com SHOW NOTES[0:01:11.0] The day of the month affects the closing cost [0:01:36.0] Arears explained[0:03:08.0] Example of arears If you like this podcast, please do not forget to like, share, or comment! We appreciate your support and feedback!
In today’s episode, Casey Ingram, a personal trainer for 16 years and an independent real estate agent with Keller Williams, joins James J and they talk about having that mindset that you get from being in the fitness industry and how it relates to the real estate market.Join us and be inspired as we learn more about it! QUOTES“The objective is keeping them somewhat on the straight and narrow in order to get them to a certain point that they’d become more self-sufficient as time pass.”“In the real estate world, everything is take care of everything immediately. ”“It’s all about trust and it’s all about professionalism.”“I’m never going to seek out so much business and I’m overwhelmed then I become a bad agent.”“If you take great care of people, people will take great care of you.”“You reputation will ultimately determine how well you do.”“The average person we deal with nowadays deals with a lot of psychological stress with very little physical outlet.”“Exercise will regulate your pattern.”“The brain is not wired to push the body, the brain is wired to survive.”“Progress is hard, maintenance is simple.”MENTIONSKeller Williams RealtyCasey Ingram - Phone number: 713-302-9177Email: email@example.comFacebook: https://www.facebook.com/casey.ingram.14?ref=br_rsSHOW NOTES[0:02:08.0] Casey Ingrams’ background[0:06:47.0] Why people still prefer to get help from someone[0:09:50.0] Similarity between the fitness industry and real estate[0:15:59.0] You want to know your area[0:17:25.0] Changes in the business as the interest rate went down[0:21:18.0] The confidence and discipline that’s built by working out[0:28:09.0] It’s all about having good relationships[0:32:10.0] Just like any industry, there’s a lot of work behind itIf you like this podcast, please do not forget to like, share, or comment! We appreciate your support and feedback!
In today’s episode, James will be talking about locking in your interest rate. Not as easy as it sounds but it is very important.Tune in now and get tips on how and when to do it!QUOTES“Offering an actual rate lock cost the lender money when that happens. ”“By committing funds to lend to you, the lender is unable to use it for anything else until your loan actually closes.”“Ultimately it is the buyer’s responsibility to lock in interest rate.”MENTIONSwww.myhoustoninsideout.com SHOW NOTES[0:01:15.0] What an “interest rate lock” is[0:01:50.0] How to lock it for a longer period of time[0:02:06.0] What happens to the fund when it’s locked in[0:02:59.0] Things could happen to stop the process[0:03:35.0] When should you lock in your mortgage rate?If you like this podcast, please do not forget to like, share, or comment! We appreciate your support and feedback!
For today’s episode, we are going to talk about amortization period and which one is right for you. James is going to share how the actual mortgage payment is structured to help you understand key points to look into as you are deciding.Join us and give this episode a listen to know more about it! QUOTES“Every extra dollar that you are paying towards your mortgage will reduce the amount you’re paying interest and the remainder of the loan.”“Most loans don’t have prepayment penalties.”MENTIONSwww.myhoustoninsideout.com SHOW NOTES[0:01:45.0] Obvious difference between a 30-year and a 15-year financing[0:01:35.0] Amortization table - how the actual payments are broken down[0:03:39.0] 30-year and 15-year compared[0:05:36.0] There are ways to cut down the interest dramaticallyIf you like this podcast, please do not forget to like, share, or comment! We appreciate your support and feedback!
In this episode today, we are talking about knowing why now might be the right time to look into upgrading your home. We will also understand how the market is affected by different factors.Tune in now and know more about it!QUOTES“The luxury home markets typically take longer to sell.”“As the inventory increases, the larger the difference of the list price to the sold price is.”MENTIONSwww.myhoustoninsideout.comSHOW NOTES[00:01:05] Lately, Interests rates have adjusted[00:02:00] Why this time is a great time to upgrade[00:05:20] What a buyer’s market actually means[00:06:50] Opportunity for upgrade is really availableIf you like this podcast, please do not forget to like, share, or comment! We appreciate your support and feedback!
Welcome to this episode where we are talking about interest rates. Learn some historical contents, some recent rates and know when to perfectly lock it in.So tune in, listen and learn!QUOTES“Rates obviously fluctuate.”“Interest rates play a big factor in your monthly payment.”MENTIONSmyhoustoninsideout.comPhone number: 832-271-1708, Houston Inside Out SHOW NOTES[00:01:53] Interest rates have gone down[00:02:38] The market is heating up[00:03:49] Historical perspective in mortgages[00:07:09] Recent history on rates[00:09:27] Interest rates fluctuateIf you like this podcast, please do not forget to like, share, or comment! We appreciate your support and feedback!
Welcome to this episode of Houston Inside Out where we are going to talk about “7 Things To Avoid After Applying for a Mortgage”. A lot of people have a misconception about what happens after being initially approved for the loan. Learn very important points especially when you are building a home or even when purchasing a home that is already done.Make sure to listen and know more about it!MENTIONSmyhoustoninsodeout.com SHOW NOTES[00:00:25] #1 - Don't change jobs or the way you're getting paid.[00:04:33] #2 - Don't deposit cash into you bank accounts.[00:06:09] #3 - Don't make any large purchases.[00:08:01] #4 - Don't co-sign for other people.[00:09:10] #5 - Don't change bank accounts.[00:10:00] #6 - Don't apply for new credit.[00:10:40] #7 - Don't close accounts.If you like this podcast, please do not forget to like, share, or comment! We appreciate your support and feedback!
VA loans have a unique combination of features not found with other loan programs. Because a portion of each loan is guaranteed by the VA for the lenders, they can offer more favorable terms. Whether you’re buying your first home, needing more space for your growing family, or downsizing as an empty nester, the VA homebuying benefit can be used over and over. It’s possible to restore entitlement from a prior loan and use it again, making VA loans a benefit for life.So, what is this fee for military veterans? Listen to this episode as we give you some calculation to understand why there's a fee for VA.If you have more questions, reach out head over to myhoustoninsideout.com If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Credit restoration talk with Teresa and Randy Parasiliti from National Credit Federation. National Credit Federation, commonly referred to as NCF, is a nationwide, membership-based organization. Our mission is to help people who are currently in or have successfully come through a financial crisis, take back control of their finances and credit, allowing them to achieve their financial dreams. Call Randy and Teresa at 832-368-4311 or on the web at nationalcreditfederation.net/randy.Shownotes:(02:30) National Credit Federation(06:14) Credit Analysis With All Three Bureaus.(13:42) Credit Karma(21:34) Car Loan(32:06) Car FinancingIf you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Today we're talking about what happens at the closing of your home. During closing, ownership of a property is transferred from the seller to the buyer. The escrow company distributes all funds, and the new deed is registered in the buyer's name. The buyer also has to bring a check for all of the mortgage and title fees accumulated along the way.Quotes:"Try And Get This Stuff Done."Shownotes:(01:32) There Are Things That Arise As You're At The Actual Closing Table. (04:54) Get The Documents Ahead Of Time.(08:02) Company Will Give You The Check For Whatever You Paid Over. If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Credit scores are calculated using the information on your credit reports, which includes details of your credit accounts, how often you apply for credit, debt collection accounts and some public records, among other things.Quote:"85% Of Americans Have A Credit Score That Will Enable Them To Get Into A Home. "Shownotes:(01:16) They don't educate us.(02:15) No more renting. (07:05) Order a credit report right now. If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Moving to a new home can be intensely stressful and throw your life into chaos.So in this episode, we are going to share some things you need to avoid when moving. Stay tuned! :)Quote: "Moving Is The Ideal Time To Get Rid Of Things You No Longer Need. "Shownotes:(02:22) Scheduling Stuff(06:48) Skipping The PurgeIf you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
No more renting. If you want to make money slapping somebody in the face, you can make money by slapping your landlord in the face and go get your own home. That's how you make money. Stop making your landlord rich. Quote:"You Want To Be Proactive If You Are Looking At Getting Into A Home This Year."Shownotes:(00:45) We Are Getting Into Credit Scores. (02:13) No ore renting.(05:06) Max Credit Score.(07:35) Wrong Information On Credit Report Side.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
According to Freddie Mac’s Primary Mortgage Market Survey, interest rates for a 30-year fixed rate mortgage are currently at their lowest for 2019. Rates like these haven’t been seen since February 2018!Last week’s survey results reported an interest rate of 4.35%. This is a welcome change from the near 5% rates seen in mid-November. At 4.32%, the second week of February 2018 was the last time rates were this low.If you plan on buying a home this spring, contact us, we can help prepare you for today’s market before rates increase!Quote: "Mortgage Rates Fell For The Third Consecutive Week"Shownotes: (00:57) Interest Rates. (02:27) Mortgage Rates Fell For The Third Consecutive Week.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
A lot of people don't know that they are eligible for a mortgage. So today, we are going to dive in specifically to millennials to talk about some of the misconceptions.Quote: "They've Got The Credit, All The Necessary Items And Necessary Criteria To Be Able To Own A Home. "Shownotes: (00:33) Millennial Talk.(01:51) Millennial Generation Is Growing Up In An Age Where They Can Make Money At A Much Earlier Age.(03:18) Estimated Number Five Million Millennials That Are Going To Turn 30 In The Next Two Years.(05:03)They've Got The Credit, All The Necessary Items And Necessary Criteria To Be Able To Own A Home.(07:45) Some People Don't Change When Things Change. If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
A mortgage application can be complicated and requires several documents but as a minimum, you will need to provide some identification.There are a few things you need to have ready before you apply for a mortgage, and we are going to share those things with you in this episode, so stay tuned.Quote:There Is A Balance Between Giving Information And Giving Too Much Information.Shownotes: (01:05) You Could Get A Mortgage Without Having A Job. (04:01) Make Sure You Are Providing Enough Documentation. (05:51) Have At Least The Last Two Months Of Bank Statements. (08:13) Two Years Of Residency.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Right now we're at a great time to get a lower interest rate. You'll be able to make sure you're getting the most bang for your mortgage buck right and right now is an opportune time to do it. If you are looking at getting into one home in 2019, I think you are right on the money doing it now as we're entering the spring season and as we start getting hotter and hotter in the market in April and May and then really burning through the summer. This is a great time to get into a home and make the most and get the most for your mortgage.Show Notes:(00:22) Houston Inside Out show introduction.(01:21) It's time to buy a home now this 2019 because of low interest rates.(02:29) A Core Logic report states that prices will increases at a rate of 4.6 percent next. year. Home values will continue to appreciate as we move forward in 2019 and into 2020 and moving forward.(03:25) Interest rates are going to come up this year so you have to take advantage of your buying power right now.(04:22) If you're renting you're still paying mortgage either way. The only time you're not paying mortgage is if you're living with your parents(05:20) Renters have the opportunity to buy homes because of low interest rates. (06:19) Labor shortages, supplies and construction plays a big role in building and buying a home and that’s one of the reason prices go up.(07:17) We are here to help you with any questions on mortgage, home listing and many more just reach out and check out myhoustoninsideout.com. If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
For both men and women, buying a home on your own by yourself requires more financial independence than does buy with the support of a partner. In this episode we are going to share the impact of buying a house with a woman.Quote:"A women purchasing homes at a greater flip than single men do."Shownotes:[00:37] Bloomberg Article.[02:08] Women Are More Responsible.[05:45] It's Going To Be A Little More Easier To Purchase When You've Got Another Person.[07:20] Homeownership Is Definitely Something You Want To Seek Out.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode, we talk about an appraisal. An appraisal is an important part of the home buying process. Lenders require appraisals when buyers use their new homes as security for their mortgages. So stay tuned as we more about appraisals."You also have an income approach as far as the appraisal goes."If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Negotiation, the things that you can negotiate during the contract phase if you are a buyer and a seller. As a home seller, you want to close as soon as possible and as a seller, you want to get your households as quickly as possible.In this episode, we discussed the five most important things for negotiation. Stay Tuned :)Quote:"Once You Start Getting Into A Higher Price Point Maybe Not Necessarily The Case With Buyers Asking For Closing Costs."If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Maybe you’re tired of cleaning a large home every weekend. Maybe the cost of maintenance and upkeep on your current home is steadily rising. But perhaps you’re starting to think hard about why exactly you are living in a home as large as your current one.Here are the things you have to remember when downsizing your home.Stay Tuned :)Quote: "Decide What You're Going To Pack, What Are You Going To Take And What Are You Going To Leave"If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
When it comes to property investment, regardless of the type of property you are going to purchase, investing in real estate requires a good amount of cash. But perhaps more important are the pitfalls to avoid so you don’t become a statistic of the property game.To help you out, I’m going to share with you a basic things to consider when buying an investment property. Quote: "Do Your Research On The Property You Are Going To Invest In."If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode, we have Steven Smith. He is the owner of a State Farm Insurance Agency in Katy, Texas. Steven has been in insurance of over 20 years straight out of college. Insurance is one of the things that a lot of people don't know a lot about. We all need to have it. It's one of the things that is often misunderstood. So today Steven Is going to explain to us what is really is insurance and how is this super important to everyone.Quote: "I don't have clients. I have friends." - SteveMentions: Steve Website: https://www.insurancesteve.com/Office Phone Number: (281) 347-8383Email: firstname.lastname@example.orgShownotes: [01:26] Steve Farm Farming Background.[04:30] Food Insurance.[11:35] Insurance Policies.[13:38] What am I protecting?[17:46] What Is State Farm?[24:18] Where To Contact Steve.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Content marketing is a strategic marketing approach focused on creating and distributing valuable, relevant, and consistent content to attract and retain a clearly defined audience — and, ultimately, to drive profitable customer action. Nick is an expert and you will want to take notes on this one!Contact Nick:https://www.nickkrempasky.comIf you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
What we need to know about the right pricing as it relates to your home and selling your home this year.You do not want to give buyers a perception that something is wrong with your house by pricing it high and then waiting too long to reduce your price. If you start off and price it right from the beginning, you're going to be a much better situation. It's really important that you find a marketing plan or realtor that has an actual market marketing plan.Quote: "You can price your home higher and you can bring it down."Time Notes:[01:12] You Don't Get A Second Shot On The Price Is Right. [02:35] You Can Price Your Home Higher And You Can Bring It Down.[03:25] Perception Is Reality. It Doesn't Matter What Your House Is. [04:11] Being As Aggressive With Pricing Your Home As We Were Before Is Probably Not The Best Strategy For 2019. [05:15] Over The Last Six Months, More Inventory Has Actually Come On The Market While The Months Of Supply Of Inventory Available Has Actually Dropped. [06:12] Owning A Home Is Much Better Than Renting.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode, we decide whether it's good to buy a home right away or should we wait the next year. I recommend that you buy now because the interest rates are low hence you're going to pay less for the home that you want. If you wait next year there may be a tendency that the interest rates go up and you end up paying more and losing more money. So I emphasize that you buy now to get ahead and get your money's worth.Quote: "If you're thinking of buying a home the time is now."Timenotes:[00:41] Should You Buy Now Or Should You Wait Until Next Year?[01:58] One Year Rates Are Projected To Increase According To All The Experts.04:35] The Difference In Your Mortgage Payment From One Year To The Next.[05:15] Something to consider If you are on the fence about buying a home.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Lender credit and seller credit that is something to consider when buying your next home and your mortgage partner can help you with that. But it's always nice to have a relationship with the person that you're dealing with versus just dealing with somebody online.Quote:"Time is about to start heating up for buying and selling. "Shownotes:[02:28] If You're Putting Out 25% Or More You're Going To Be Able To Get A Little Bit More Contribution.[03:04] Take A Look At txmortgagemoney.com. There's Some Resources There And We Can Help You With Getting Through And Navigate In This Because A Lot Of This Stuff Is A Little Confusing.[03:23] The Higher The Contributions, The Higher The Down Payment.[04:28] Maybe It's A Good Opportunity To Negotiate A Little Bit More From A Seller As We Head Into Spring And Summer.[05:08] They Are In The Business Of Making Money.[6:01] The Lenders Need To Price Both The Rates And The Fees Appropriately.[07:00] The Higher The Interest Rates, That's The Lender Charges.[07:45] If It is Higher Interest Rate, It's A Little Bit More Appealing To Investors To Invest In A Mortgage Backed Security.[08:24] The Buyer Obviously Is Going To Want Something In Return.[10:13] We Can Help You, txmortgagemoney.com. If You've Got A Question About This, Reach Out To Us.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode, we are talking about how to make your home appeal to as many buyers as possible. If you are thinking of selling your home, there are different things that you can do to make it more appealing. We are going to give you a few tips or some things that you can do to help prepare your home as you get ready to sell it. Quote:"First impression is everything"Shownotes:[01:33] Few Tips That You Can Do To Help Prepare Your Home [02:36] The Floating Vanities Is Something That's Pretty Prevalent Now. [03:36] It Doesn't Have To Be A Real High End Upgrade. [05:04] In The Bathroom.[06:06] Minor Things That You Can Do To Make A Major Difference In The Sale Of Your Home.[06:58] When It's Time To Resell, You Really Got To Remember First Impression Is Everything.[09:05] You Don't Have To Go Spend A Ton Of Money, But Something To Consider. [09:42] The Front Of Your Home.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
When does a more expensive home cost less?In episode, we talk about why purchasing a more expensive home in an urban neighbourhood could actually wind up costing you less than a home with a smaller price tag in the suburbs.Quote:"All things to consider in the cost of living from where you work versus where you live."Shownotes:[01:40] The Reason Why Does A More Expensive Home Cost Less?[03:26] You've Got Typically Two Cars That Are Going To Be Needed.[04:25] The Pros And Cons Of Urban Versus Suburban Living.[05:30] New York City Lifestyle.[06:40] Some of the condos in the city of Houston, are way more expensive than owning a home out in the suburbs.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode, we have Hector Padilla, president and founder of HP Investments out in California.He shares about his business life. At a very young age, he started to realize that he did not want to do labor work which brought him into the business. He then created exponential growth and have now purchased over $90 million with the real estate. Quote: "At the age of four, I started washing dishes to get an allowance and I quickly learned that that was not a career I wanted" - Hector PadillaContact Hector:https://www.mychairman.net/Hector's Instagram Shownotes: [01:24] Hector's Life background[09:32] Residential[14:51] Close 149 Transactions[16:12] Goal Is To Net $1 million A Deal[19:42] Ideal Client[36:40] Mentorship[50:57] To Live Your Ideal LifestyleIf you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
The market is liquid the past couple of weeks, the question we've heard a lot is, will these dips continue to stay around? In this episode, we are going to answer your question about the interest rates. Shownotes: [01:32] Freddie Mac's Chief Economist, Sam Carter, notes that mortgage rates declining at the start of this year.[02:44] This would be a good time to get back into the game.[03:47] Maximize your buying power during this year. If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
How can you get the most money for the sale of your home? Listen to this episode as we are sharing two things you can do to maximize the value of your home. Quote: "Real estate agents are everywhere. Everybody's has got a real estate agent but here's very few real estate professionals"Shownotes:[00:00:49] How can you get the most money for the sale of your home? [01:31] Every single homeowner wants to make sure they maximize their financial reward when they're selling their home.[02:45] You are competing with what everybody else is doing because everyone else is doing the same thing.[03:43] You price your home a little low.[04:43] You're going to find yourself relying only on the trickle of new buyers entering the market each day. [05:40] The second tip is to use a real estate professional.[06:39] Do they (Real Estate Professional)have a marketing plan? Is there's a strategy? Hope is not a strategy.[07:52] If you're a seller looking to sell your home this spring, reach out to us. If you just want some friendly advice, We'd be glad to offer that to you.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode, we have Sola Okunoren also know as S.A. Sola. We talk about how to be a successful entrepreneur. Sola is a perfumer and former bank executive. He narrates how he became a successful entrepreneur. So please listen and enjoy our show."You only fail when you stop trying"Instagram: nostalgiacollectionFacebook: The Nostalgia Collection00:00 Show introduction 00:51 James Jay introduces his guest who is a perfumer.01:45 Starting back into Sola's journey from the banking days[02:34] Sola started trying to sell it our sales back in the day. [03:20] Sola states making great money, things are great, but then you hit that, you hit that was really, and that ceiling could be anything from the amount that you make yearly or it could be from a promotional standpoint.05:58 Sola states that you got to just burn the bridges.07:50 Same thing with business you've got to put it in perspective. 11:07 Sola emphasizes the importance of learning and learning is paramount in everything whether it be entrepreneurship, whether it be getting a job, you have to take you out to learn something from that situation.17:52 Sola also says that he learned that now it's all, everything's done in bulk, in huge quantities.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
What are the things to consider on when is the best time to sell your home? Quotes:"You know when the best time really to sell your home was when there was less competition, which right now there's not as much competition as you're going to experience if you wait until you get to the springtime."Shownotes: [00:04] The best time to sell your home is right now and I'm going to give you some reasons to really consider putting your home on the market now.[01:02] the market is going to slowly start heating up as we get closer and closer to the spring. And then, of course, a summertime, their fuel purchases in the market than there were last month.[01:57] Mark Fleming, who is the chief economist, said the biggest challenge is really the availability of supply[03:03] The National Association of Realtors is saying that the number of home sales has actually decreased over the last five months. So the best time to list your house might be right now.[03:59] So it may make sense if you're in a position to do it before everyone starts putting their home on the market in the springtimeIf you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
What you need to know about jumbo loans.Quotes:One thing to keep in mind about jumbo loans unlike traditional mortgages typically jumbo loans isn't sold. The bottom line is we're trying to get the loan amount under that $453,000 threshold as not to be in the jumbo loan criteria.Shownotes:00:38 Houston Home Talk show introduction.00:05 A jumbo loan is a specific product. As of January 1st of 2018, a jumbo loan was considered a mortgage loan of $453,100 or higher01:53 Pricing on non-jumbo loans is typically a little bit better, meaning the interest rates are a little bit lower typically.02:37 San Francisco, a lot of places out in California, the FHA agency has identified a lot of these high priced areas. These are places where. The costs of real estate are just through the roof. They make some exceptions with certain states and certain cities to where their loan limits are going to be a little bit higher03:12 We are in a state, in the state of Texas where real estate is relatively inexpensive as it compares to a lot of other major cities, which is why Houston, Austin, San Antonio, Dallas are typically always on the top 10 or so places to live for the cost of living04:21 The only thing that may matter is if they're servicing the loan, the lender could be a little more creative with their loan programs because they're servicing it. Typically with jumbo loans, they do not get sold off, typically.05:23 Depending on the loan amount and the terms that the jumbo loan lender is offering, it may also be wise for you to explore other options since jumbo rates are typically higher than those on traditional mortgages.06:32 Jumbo loans, oftentimes people have 20 percent. It's not necessarily a requirement to have 20 percent. But in any mortgage situations the more you put down the better. 07:20 Keep in mind that lenders of the first mortgage have to approve any subsequent mortgages.08:40 Keep in mind the lender of the first mortgage has to approve any subsequent mortgages that you as a buyer may want to take out because the risk of default for the first mortgage will be higher once the second is added09:05 It's super important guys that all the options be explored with your lender. If you've got a great lender, they will be able to break this down for you and see which way they can save you the most money.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
What you need to know about the difference between an annual percentage rate and interest rate Quotes:"Look at the overall loan. The interest rate is absolutely important. A lot of lenders will make it look much better than it is by having a lower rate if they know they're competing, but then you look at the annual percentage rate which most people do not pay attention to and they're charging a whole lot more fees to get the same type of loan."Show Notes:00:00 Houston Inside Out show introduction.00:20 We're going to clear up the difference between annual percentage rate versus interest rate. 01:34 ] It's required by law to put the annual percentage rate. We're going to focus specifically on a mortgage loan and how the annual percentage rate differs from an interest rate. All the costs that are associated with that loan are calculated into what is called the annual percentage rate., 02:40 The annual percentage rate, that is what separates lenders. It's what separates loan products03:45 A point is nothing but a percent. That's it. When you hear these terms, two points, three points, four, it's just a percentage of the loan amount.04:55 There's a fee involved with the closing that the lender and the title company charges. However, depending on the source of the money, you may have to pay some taxes as it relates to where that money is coming from.05:55 Just be sure that you're not just focusing on the interest rate as a lot of people tend to do.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
The things you need to know about lender points.Quotes:"As you consider your loan options, you really need to look at your long term ownership plan as well as your willingness to actually pay points and that will really help you determine the best strategies so you can consult with a mortgage professional on this and they can give you some scenarios to look at."Show Notes: [00:03] We're talking lender points. These are mortgage points. What are they in? Should you pay them?[01:01] Lenders make money on loans in basically two ways. One is via the interest rate they charge. The higher the interest rate, the more money that they make when they sell the loan after it closes which typically happens. The other way they make money is to charge fees. [02:44] It may be okay to pay some points when you start looking at the lower interest rate that you may get and the fact that you're going to be in that home for a longer period of time. Maybe if you're going to be short term in a residence, then paying a point may not be beneficial.[03:43] Ultimately it's up to you, but that is what the professional is for. It's to give you the advice that you need and then help you make the right decision for yourself.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
Things you need to be aware about when your mortgage closes.Quotes: "Ultimately the terms of your mortgage assuming you have a fixed rate mortgage your principal interest do not change."Show Notes: [00:06] Introduction to the Houston inside out show.[00:20] We are talking mortgages and specifically what happens to your mortgage after you close on your home.[01:30] Those lenders will actually continue to hold your loan and service your loan meaning they're going to continue to collect payment from you. But what commonly happens is that those loans get sold to an entity and they're going to bundle up several of these mortgages into what's called a mortgage-backed security.[02:20] The quality of these mortgages is extremely important to these investors so the quality will ensure that the mortgage-backed security retains their value. It is so important that the investors will have forensic audits completed on the mortgages that they purchase.[03:28] Lenders basically turn around and depending on the credit scores, they're going to assign that mortgage-backed security a grade. This is very important to investors because of the lower the grade, the higher the risk. Lenders do not want to buy back a loan.[04:39] It's a little more challenging to get a loan but it's ultimately to protect everybody involved. That is the buyer, that is the lender, that is the investor, very, very important that the quality of these mortgage-backed securities is much higher than it used to be.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode of Houston Inside Out we are going to discuss a couple of factors to watch in today's real estate market whether you are buying or selling a homeQuotes:"There are many factors that you should definitely consider, where you want to live, why you want to buy or sell, who is going to help you with your journey. Now, when it comes to today's market though, the two top factors for sure are interest rates and inventory."Show Notes:[00:35] Factors to consider in today's real estate market whether you are buying or selling a home,[01:33] Purchasing power is just simply the amount of home that you can afford to buy for the budget you have available to spend. Now as rates increase, again you're buying power will decrease.[02:38] According to the National Association of Realtors Listing Inventory is currently at about a 4.3 months supply, which has put upward pressure on a lot of the home prices, so home prices have increased year over year for the last 78 straight months[03:39] The inventory of homes for sale in the real estate market has been on a steady decline and experienced year over a year dropped for 36 straight months.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode of Houston Inside Out we discuss the importance of escrowing your taxes and your insurance.Quotes:"Overall I recommend people to pay the taxes and insurance monthly in the form of an escrow account.''Show Notes: [00:03] Introduction to Houston Home Talk.[00:37] The importance of escrowing your taxes and your insurance. He discusses that some people like to pay their taxes on their own and some use an escrow account to pay their taxes.[02:14] A deeper in discussing the benefits of having to pay taxes and insurance using an escrow account.[03:10] Explanation that there is less risk on the lender in a conventional loan if you decide to pay your taxes and insurance on escrow.[04:16] Explanation that lenders are all about risk. He discusses further the advantages of having an escrow account and the advantage of paying taxes and insurance on escrow.[05:19] What FHA loans are, what are the requirements and the variation between mortgage insurance and property insurance.[07:37] What a lender wants and do not want. He emphasizes to talk to a reputable lender so they can assist us with answering questions as it relates to waiving escrows, what the extra costs may be, and if there's a way for you to waive escrows without incurring any additional fees and the need to discuss it also with the lender. He also highly recommends paying tax and insurance monthly in the form of an escrow account. He also invites us to visit his website houstonhometalk.com for any concerns and questions about escrow.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
James Jay talks about option periods as it relates to a purchase agreement that is you purchasing a resale home. He goes in to explain the importance of having an option period. He also discusses the importance of hiring an inspector to go out to the property to do a full inspection of the property from top to bottom.Quotes:"Option periods are something that is negotiated between a buyer and a seller, but it is a very, very important clause in a residential contract."Show notes: [00:01] Introduction to Houston Home Talk.[00:35] James Jay introduces the topic of the show which is option periods. He discusses the importance of having option periods before buying a home. He discusses the importance of having a home inspected before buying a home or a property.[01:46] James Jay talks about hiring an inspector to inspect the property before purchasing. He also discusses the duration of an option period. [02:52] James Jay dives in deeper to talk about what an options money is and the amount and what its used for. [04:21] James Jay emphasizes that during that option period, you have the right to walk away for whatever reason you choose.[05:17] James Jay explains that we have to keep in mind that if you decide to walk away during the option period that we lose the option money. He also adds that it is okay to lose option money rather than getting into a complicated situation with the home. If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
James Jay Discusses how the credit score is calculated and the three credit bureaus that maintain credit records. There are TransUnion, Equifax, and Experian. Any nonpayment is immediately reported to these bureaus and reflected in your credit report. He also explains that the longer the credit history, the better this reflects on your score. Quotes:"The credit score is based on a credit report which is a detailed account of our credit history of borrowing, repayment and credit inquiries. The bottom line is to keep your balance low and make your payment on time."Show notes:[00:00] James Jay introduces the topic which is how credit scores are calculated.[00:11] Introduction to Houston Home Talk.[00:48] James Jay talks about credit scores and how they are calculated. He continues to say that credit score is based off a credit report which is calculated through a detailed account of our credit history, of borrowing, repayment and credit inquiries[02:31] James Jay also mentions the three prominent credit bureaus which are TransUnion, Equifax, and Experian[03:04] James Jay explains that a credit score is calculated by a special type of software from Fair Isaac Corporation Company. He also explains the components of a credit score.[04:48] James Jay emphasizes the need for a credit score in buying a home and he explains how to look for alternative lines of credit.[06:15] James Jay discusses the types of credit and he discusses the range of the credit score and the credit scoring range.[07:16] James Jay emphasizes the importance of improving credit scores. He also emphasizes to make balances low and make the payments on time. He also invites the people listening to visit his website at myhoustoninsideout.com (new website).If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
James Jay talks about the difference between fixed rate mortgage and adjustable rate mortgage. The fixed rate mortgage and adjustable rate mortgage are both important depending upon the market and your financial expectations, each option will actually provide different benefits and drawbacks.Quotes"Choosing between fixed rate mortgage and adjustable rate mortgage of loans just depends on your individual situation and the interest rate that's going on at that time."Show Notes[00:03] Introduction of fixed rate mortgage and adjustable rate mortgage.[00:15] Show Introduction.[00:49] James Jay explains the benefits of using adjustable mortgage rates up until 2008 when fixed rate mortgage have higher rates. He advices that if you know you're only going to be somewhere short term. You are typically rewarded with a smaller interest rate and that is really the major benefit of having an adjustable rate mortgage.[02:30] James Jay now explains the benefits of using fixed rate mortgage. He further discusses that fixed rate mortgages are controlled mortgages and easy to maintain and administer because of a lot of these factors. These are definitely the most popular loan types for first time home purchases as well as second or third or fourth time purchases for that matter.[03:53] James Jay compares and contrasts fixed rate mortgage and adjustable rate mortgage. He goes on to say that adjustable mortgages are generally cheaper and result in savings when rates do fall. He also adds that fixed mortgages come with higher rates.[05:13] James Jay goes in deeper to discuss fixed rate mortgage. He emphasizes to the importance of being prepared when it comes time to refinance. James Jay also advises to pay attention to where you are with your mortgage, whether it be three years, five years or longer, and know what your plan is to either refinance it and pay that one off or sell the home or be okay with what the rate adjusts to[06:07] James Jay concludes by emphasizing the importance of choosing between fixed rate mortgage and adjustable rate mortgage. He also emphasizes that it just depends on your individual situation and the interest rate that's going on at that time. And that it is important to reach out to a lender or to contact James Jay to make a sound and informed decision. So if you have any questions you can visit his website at myhoustoninsideout.comIf you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
James Jay talks about the importance of a home inspector and the benefits of hiring a home inspector. James explains what a home inspector does and the advantages of hiring a home inspector like a detailed examination of all the major systems of a property. This includes plumbing, electrical, heating, cooling systems, as well as the structural integrity of a property, radon gas, mold, termite detection.Quotes:"A home inspector is trained specifically to go through a home and detect all kinds of issues that you and your realtor are not qualified to do."Show notes[00:36] James Jay introduces the topic, the importance of hiring a home inspector.[01:20] James Jay discusses what a home inspector does and what a home inspector look for at a home they inspect.[02:29] James Jay explains that the home inspector looks at the property in greater detail and effectively educates you on the condition of your home which is important in buying a home. And emphasize that the purchase contract has conditions in which certain properties and situations where you can back out of an agreement. He also explains that in some cases you don't have an option period where you can just back off for whatever reason you choose.[03:58] James Jay talks about significant issues after the option period and that the buyer is still obligated to purchase the property. He also emphasizes that home inspection is very, very important.[05:10] James Jay advised that seller may be unaware or unwilling to share details regarding the condition of the home, so if an inspection uncovers a significant issue within the option period the buyer can renegotiate or you can walk away.[06:05] James Jay concludes by emphasizing the importance of a home inspector and that it gives the buyer peace of mind in buying home. He also invites people to visit his website at myhoustoninsideout.comIf you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
James Jay talks about getting into credit and how to maintain credit after we are approved of a loan. He tells us not to make unnecessary purchases while a loan is still in the pre-approved stage, for example, buying furniture because this might jeopardize our credit score which would also jeopardize the loan approval process.QUOTES:" Be very, very careful once you are initially approved for a loan. Do not make any new purchases."Show notes:[00:39] How to maintain credibility when a loan is approved and not to make unnecessary or new purchases.[02:19] Always maintain a low debt to income ratio for a loan to be approved immediately and not buying furniture for a home which is not yet loan approved.[03:51] It is important to maintain a high credit score and to wait for the approval of the loan before buying or making unnecessary purchases to avoid any problems.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
James talks about projections for the city of Houston for 2019 relocating to Houston and relocating from Houston. He also talks about the population and unemployment rates and the rent and income in Houston as well as fortune 26 to fortune 500 companies. He also talks about the medical care and hospitals and the top of the line cancer care center in Houston. Lastly he talks about oil and gas which could improve in 2019.QUOTES"Our economy is still very, very strong and something that we should be proud of and moving into 2019 definitely going to be something that's going to continue to thrive and we will continue to improve in every area."SHOW NOTES[00:39] City of Houston, relocating to Houston and relocating from Houston.[01:48] Home prices in Houston, household income and population in Houston.[03:04] Monthly rent of Houston compared to monthly rent in other states such as New York, Washington, Boston, San Francisco, Seattle, Minneapolis, and Miami. And the Fortune 500 companies headquartered in Houston namely Conoco, Phillips, marathon oil, Cisco, Apache, Halliburton.[04:34] The Medical Center in Houston gets heart surgeries and top of the line cancer care center in Houston. Oil and gas business is rather low in Houston right now. If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode, James is going to share with us the top five reason why houses do not sell in a strong market. So don't miss this episode and let's find out his deep insights about it.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
The winter time is a time of year where a lot of people are confused as to whether they should take their home off the market way to the spring. In this episode, James is going to share four reasons to keep selling this winter. So don't miss this episode and let's find out his deep insights about it.If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode of the Houston Inside Out, Ursula Krause talks about her journey from a fitness trainer to a business coach. She graduated high school at an early age and have no idea what she wanted to do in life. She started going to the gym with her dad and fell in love with working out. She became a fitness trainer and ended up working at a bigger fitness company and started her journey to become a business coach.Quotes:"You really making stories up in your head and it's most of the time it's just because if we think that people are going to judge us in a negative way, and if you really think about that, it's like you're literally allowing people that aren't really in your life affect your decisions and your future. "Mentions:Ursula Krause FacebookUrsula Krause instagramSHOW NOTES:[00:02:19] - Ursula Krause high school life[00:03:48] - Ursula Krause started fitness training[00:05:37] - Ursula started reading books about sales.[00:11:14] - Inspirational message about confidence[00:14:40] - Ursula talks about her coaching business[00:28:57] -Make your life better[00:33:37] - Get in touch with Ursula Krause!If you like this episode of the Houston Inside Out podcast, please don't forget to like, share, and comment! We appreciate your support and feedback!
In this episode of the Houston Home Talk, James explains what you need to know and what the differences between a home warranty and home insurance. Shownotes:[00:55] What Is Home Insurance?[04:09] What Does Home Warranty Cover?[08:16] If you have questions, reach out to us.Full Transcript:[00:02] INTRO: Welcome to Houston Home Talk featuring all things real state in the Houston area. We'll interview real estate professionals, local business owners and special guests from right here in the Houston community. This is where you get the inside scoop about what's new in real estate, new community openings and business openings and much more. The Houston home talk show starts right now.[00:37] JAMES: Welcome guys. Welcome. What's up? It's James Jay. Welcome to another episode of Houston home talk and today, we're going to talk a little bit about home warranties. Now, this oftentimes gets confused for some people for home insurance, so these are completely, completely different coverages. They do different things and quite honestly, you need both. You need home insurance and you need home warranties for your home or your investment property. I'm going to go a little bit into discussing hallmark warranties. What you need to know. Again, what the difference is between a home warranty and home insurance. Let's just get right into it. Home warranty, typically this is something that you're going to get when you're purchasing a specialty, a resale home, okay? You definitely want to have it when you're purchasing a resale home. It's something that is completely negotiable. It is not something that a seller has to give you or offer you.It is something that you and your agent asked for as part of the negotiations, but it's not something that's mandatory that a seller pay. When you're looking at purchasing a home where they'd be resale or even new construction, new construction's homes are typically you're going to come with a warranty typically a year. There might be a builder to that habit for two years. Most of the builders are going to offer you a one year warranty that's almost like a bumper to bumper warranty for your home. If anything happens in the home during the year or two years, whatever the case may be, the home builder will come out and fix the issues. Now once that warranty is done with as far as the builder warranty goes, then you're going to want to have your own home warranty moving forward because you'd never know what's going to happen that is why you have a home warranty. It's just like car insurance, right? You have car insurance, you may drive two years, three years, four years, never have a car accident. Well, when you do, if hits you or someone rear ends you, you're going to be very happy that you had car insurance. Well, the home warranty operates in the same way. Home warranties are pretty much designed to protect your homes, appliances and systems from breakdowns caused by normal wear and tear. Whereas homeowner's insurance pays for damages and loss caused by perils like fire, weather damage but it won't help you if your washing machine simply breaks down. Or if it's July and August and your ac unit breaks down. All right, home insurance is not going to do a thing for you, but a home warranty would definitely cover items like that. What does a home warranty actually cover? Other than your AC unit and some of the other major appliances, water heater is covered. That's one of those major items in your home you want to have covered. Then those options for you to add additional coverages so you could cover a dishwasher. You could cover refrigerators. You can cover garage door openers, septic systems. There're a lot of other optional coverages that you can have with the home warranty, but it's not something that comes typically with the
In this episode of the Houston Home Talk, Mike Wall of Love Ohio Living and James talk about the detailed roadmap for changing business over to EXP, consistency, and branding.Quotes : " If we do get somebody to say yes, then we got a shot at a six-figure income."" You'll get what you want if you can help other people get what they want. "Mentions:Website: http://loveohioliving.comShownotes: 1:04: Response from other people to the interviews2:07 Mike started real state business04:45 Mike talking about consistency08:45 - Mike talks about branding 19:24 - Team Structure 20: 48 - Mike's favorite books and podcasts.Full Transcript:[00:03] INTRO: Welcome to Houston home talk featuring all things real estate in the Houston area. We'll interview real estate professionals, local business owners, and special guests from right here in the Houston community. This is where you get the inside scoop about what's new in real estate, new community openings and business openings and much more. The Houston Home Talk Show starts right now.[00:32] JAMES: All right guys welcome. What's up? This is James J. Welcome to Houston Home Talk. I am excited today to have my man Mike Wall from Dayton, Ohio. What's up Mike? How are you today?[00:43] MIKE: Yes sir. Baby, I'm so happy to be here, man. I'm so happy to help. We'll be able to drop some value on your audience today, brother.[00:50] JAMES: Yeah. Listen, I have been watching you now for several months as you have been doing a lot of interviews with a lot of the new people that have been moving over to EXP Realty. I want to say thank you because a lot of the content that you've been providing, I know I've used, I forwarded it to people and I know that the value that you're providing is helpful to a lot of people. You and I met in New Orleans last month. I've been watching you for several months. As soon as we met, there was several people that came up to you and said, hey, thanks Mike. I know you're reaching people. [01:21] MIKE: Yeah.[01:22] JAMES: You're helping people because a lot of people can't do what you're doing in the way that you do it so thank you for that. I wanted to ask you so I want to just start, so you've been doing a lot of these interviews, a lot of Facebook Live interviews. I want to get people introduced you. I want to ask you real quick, what's been the response from other people to the interviews that you've been doing with the new people that have joining EXP?[01:42] MIKE: Yeah. No, it's a great question man. It's really been overwhelming more than I even thought and really the whole reason if I back up and just telling you the reason why I started doing the podcast… [01:52] JAMES: Right.[01:53] MIKE:…is because I knew that we were building something special. I also knew that changes is big. Change is big for everybody involved and especially the for those people who are team leaders in running a business. I wanted to give those people a platform to be able to share their unique story with the world and in hopes that somebody out there might identify with them and be able to make an intelligent decision about where their business went and then also providing a detailed roadmap for change if they decided to move their business over to EXP. Then also kind of lastly is just to provide insight on people curious about learning more about EXP.[02:34] JAMES: Right? Yeah. Let's get to know a little bit a
In this episode of the Houston Home Talk, Cindy West from NRL Mortgage and James talks about the process of getting a mortgage loan, interest rates, NRL Mortgage loan programs you can apply to and other things such as Cindy’s career trajectory and how her knowledge in forensic accounting helped her in her role as a mortgage loan officer. QUOTES“You have to make sure that the house is not listed for sale, because that’s a red flag in mortgage, before you cash out.”“The buying power of people changes significantly as those rates go up.”MENTIONSContact Cindy:Phone: 832-370-7373Website: https://cindywest.nrlmortgage.com/SHOW NOTES[0:02:10.9] How Cindy got into mortgage lending[0:03:32.4] How forensic accounting works[0:08:02.3] NRL Mortgage loan programs[0:14:25.1] James and Cindy talk about interest rates[0:21:04.4] The difference between pre-approval and pre-qualification[0:32:24.5] Get in touch with Cindy!Full Transcript: [00:03] INTRO: Welcome to Houston home tall, featuring all things real estate in the Houston area. We'll interview real estate professionals, local business owners, and special guests from right here in the Houston community. This is where you get the inside scoop about what's new in real estate, new community openings and business openings, and much more. The Houston home talk show starts right now.[00:33] JAMES: All right, welcome guys. This is James with Houston home talk and I am joined today by my good friend, Cindy West in our El mortgage. Um, how are you doing this morning, Cindy?[00:45] CINDY: Hey James. I'm great.[00:48] JAMES: Awesome. I'm doing great. It's a little chilly for us here in Houston at a blistering 70 degrees. Now, just joking. People in the Midwest laugh at us when it gets too 40s. [01:00] CINDY: Yeah. Yeah. [01:02] JAMES: It is cold for us but I am glad to have you on. It has been an interesting ride as far as interest rates and a lot of things going on specifically this year. You have been in the business for a few years now. You've done really well and I appreciate all your insight. Just to kind of set the table for everybody, so sending and I have known each other for about three years. We've been working together. You came to visit me when I worked for a home builder and you were one of very few, really probably the only one person that really would come visit me because everybody else was scared to come see me working for a home builder because they just assumed that they could get no business from a home builders onsite salesperson which was not the case. [01:52] CINDY: No. [01:52] JAMES: I'm glad that you've been very tenacious and the way you work and I admire your work of it. I see you on Saturdays, Sundays. I see everywhere. You have gotten a lot of knowledge and your work ethic is been very, very admirable. What I want you to do is just kind of introduced yourself. You've got a very interesting background. Introduce yourself to the audience and tell us a little bit about your background and how you got into the mortgage.[02:22] CINDY: Okay. Sure. Yeah. I've been in the business three years ago and I'm like, my background started with auditing and taxes. I did that for several years and then I relocated to Los Angeles and I became a foren
Beverly Langston from Bath Fitter joins us this week on the podcast, and we’re going to be talking about bathroom remodeling and renovations, and what sets them apart from the competition.Bath Fitter is an international company know for their state-of-the-art product line that includes acrylic bathtubs and shower liners, free standing bathtub and shower bases, acrylic seamless walls, domed ceilings, tub and shower doors, accessories and wainscoting.Know more about their services and products here! QUOTES“We are very versed in safety because bathrooms are very dangerous places no matter who you are. They’re slippery. So we have lots of different options for safety like grab bars, different types of grab bars, and we really work with our customers to make sure they’re getting everything they need so that everything is safe and secure, and usable and accessible for them.”MENTIONSBath FitterContact Beverly at:Office: 713-691-4110 orMobile: 281-636-3560Email: email@example.comSHOW NOTES[0:01:22.2] Bath Fitter: Who they are and what they do[0:04:11.2] Issues usually encountered when remodeling the bathroom[0:05:29.2] Converting the tub into a standing shower[0:06:56.0] Renovating and remodeling for investment properties[0:09:02.1] The origins of Bath Fitters, showrooms in Houston[0:10:54.1] ADA Compliance[0:12:06.7] Create your own custom bathroom on their site![0:13:17.6] Contact Beverly, Bath Fitter office hours[0:14:39.6] What happens during the consultation phaseFull Transcript:[00:03] INTRO: Welcome to Houston Home Talk featuring all things real estate in the Houston area. We'll interview real estate professionals, local business owners, and special guests from right here in the Houston community. This is where you get the inside scoop about what's new in real estate, new community openings and business openings and much more the Houston home talk show starts right now.[00:33] JAMES: All right. Welcome guys. Welcome to Houston Home Talk. My name is James and I am excited today I am joined by Beverly Langston from bath fitter and Beverly and I met just actually just not even a week ago at the sip and stroll and Katie and it was great getting a chance to meet you. How are you doing about really?[00:55] BEVERLY: I'm great. How are you?[00:57] JAMES: I'm doing great. Great. I wanted to have you on. SO as soon as I saw you in the booth, I wanted to have you guys come on and talk about what you do because I am a…in addition to roadster. I'm an investor as well and I think what you guys do can help anybody, but I was very intrigued by it and wanted to have you on. Thank you for coming on the show.[01:21] BEVERLY: Thanks for having. We're excited.[01:22] JAMES: Yeah, it's pretty cool. Why don't you tell, tell us a little bit about what it is that you guys do, how you got into it, a little bit more about bath fitter and I think it's pretty interesting what you guys do. I really do. Why don't we just start there and you introduce yourself to the audience.[01:40] BEVERLY: Sure. I'm Beverly Langston. I'm the event manager for Bath Fitter here in Houston. We are actually an internati
Welcome to the very first episode of the Houston Home Talk podcast! For our first episode, we have Willie Adolph from The Adolph Group, a company dedicated to educating others about their credit, and he’s going to talk about how we can manage our credit scores to how credit can affect the overall quality of your life.Want to learn more? Give this episode a listen! QUOTES“A lot of people feel that cash is king but credit can actually take you further.”“Credit is like reputation; It doesn’t matter all the good that you’ve done, but that one thing that you did wrong, people will spread that so fast.”“If you work with the system, the system will work for you”“When somebody takes a look at your report (credit score) it’s basically a reflection of what you’ve done, it’s not a reflection of who you are but it’s a reflection of what you’ve done”MENTIONSWillie Adolph (FB)The Adolph GroupContact Willie!Website: www.myfes.net/wadolphPhone: 281 451 7087SHOW NOTES[0:01:34.1] How to use leverage with credit[0:05:15.4] Credit Inquiries[0:06:16.7] Soft Pull VS Hard Pull[0:07:15.9] Case Study: Credit Karma[0:10:14.8] How co-signing can affect you[0:11:06.5] Credit restoration[0:14:03.5] Building/Maintaining your credit score[0:16:19.0] Which credit affect your score the most[0:18:25.7] How your credit is calculated[0:18:53.4] Models for credit scoring[0:20:40.0] What The Adolph Group does[0:22:47.4] How your credit will affect your overall quality of life[0:26:08.1] The advantages and disadvantages of having/not having a specialist assist you[0:32:49.0] A program that can help you have a better credit score[0:36:39.0] Contact Willie!Full Transcript: [00:03] Intro: Welcome Houston home talk, featuring all things real estate in the Houston area. We'll interview real estate professionals, local business owners, and special guests from right here in the Houston community. This is where you get the inside scoop about what's new in real estate, new community openings and business openings and much more. The Houston home talk show starts right now. [00:34] James: Yeah. You go ahead and introduce yourself, introduce your company and what we'll start there.[00:40] Willie: Okay. My name is Willie Adolph. I'm with MBS. I have a team called Adolf group. Basically what we do, we're here to help others educate them with about their credit. A lot of people feel that cash is king, but credit actually can take your whole lot farther because you can…you can use leverage with credit. A lot of people have a miss conception about credit. Everybody saying seven years in the final law. That's a myth. [01:08] James: Yeah, talk a little bit and more about that. Because I've heard that for years, seven years, seven years, seven years and a lot of people, it'll keep them from buying a house because they just, without contacting a professional like yourself to really know that hey, there's ways and that's seven year thing is a myth. Yeah, talk a little bit more about how that really works and how people can understand that meant, because I've heard it for year or tw