Types of Home Loans for First Time Buyers with Fabiano Pinto

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Welcome back everyone. Thanks for joining another episode of the real Authority show down here in Southwest Florida. I'm joined by Fabiano Pinto of Movement Mortgage. And today we're going to be talking about a few different topics how and when to get pre-qualified what financing options do you have how credit impacts loan rates and how to improve it and a few more questions that are pertinent to the home buying process down here that's coming right up.

• 0:32 - 0:59
Welcome to the Real Authority show. I'm your host Rick Harrison and every week with the help of thought leaders and authorities in just about every industry will explore The Human Experience to show you how to take your life to the next level and live with purpose whether it's mastering your body and mind Building Wealth and relationships or making overwhelming task symbol. There's something for everyone and you won't believe how close you already are to achieving that next level. It's just on the other side of the river for the show.

• 1:07 - 1:36
Thanks for joining us today. I like I said, I'm here with Fabiano pinto and he is he works with more movement mortgage down here at a Naples in Southwest Florida and he's going to be helping us out and talking about the home buying process and what goes into it and working with mortgage loan officers, right? Yes, sir. What's going on man? How you doing? Thanks for the invite man. I appreciate it. Oh, the pleasure is all mine. I really appreciate it. Yeah, it's always nice, too.

• 1:36 - 2:06
Our realtor Partners do some some awesome things man. I see you. I see your your social media game is strong. You're out there making a difference for those watching and that means a lot to myself and everybody that's watching you. So thank you man. Thank you for going above and beyond. Yeah. No, I appreciate. I know I see your social media follow you pretty pretty heavily and you're always on and you're doing some really great stuff and I'm sure you're getting plenty of business with how much you're out there. Yeah. Social media is the name of the game, right? Yeah.

• 2:06 - 2:36
Yeah, this thing front of people and nowadays especially with a lot of people, you know, staying home and the new the new world right require people to stay home. So I'm you've got a double up that game and you got to make sure people know what you're doing who you are social media is the best Avenue for that. So yeah, and right now I mean from down here, especially it's crazy down here with how active the real estate in Mark. I know right now the mortgage interest rates are incredible right now, right? It's crazy.

• 2:36 - 3:05
It's unbelievably low. Yeah, I mean I use this line all the time. I tell people it's like you're but you're borrowing money to buy a piece of property for less than you would to buy a car. So it's like holy crap, you know what I mean? Right let that sink in for a second. You can buy a house and pay less interest rate than you would if you bought a car. So, yeah, it's a great time to buy interest rates are incredibly low. So, you know, we're excited. We're excited to be in this business. We're excited to be to be able to service people in a different way. And yeah, man, I'm looking forward to this.

• 3:06 - 3:36
This conversation with you and I hope that I can provide you and your viewers met with a lot of a lot of great information. Absolutely before we even get into, you know, breaking down all the different questions that some of our audience have had and throughout their for me to ask you. Why don't we just talk about you one of you introduce yourself a little bit and move in mortgage. Yeah. Absolutely. First off again. Thank you for having me on the show man. I appreciate that means a lot. I'm Fabiano Pinto. I'm a loan officer with Movement Mortgage.

• 3:36 - 4:06
Have been in the mortgage world for this is actually my third year going into my third full year prior to that. I had been in the banking industry since I was 18 years old. So I'm 32 now about 14 years of Industry experience began my career with Bank of America work my way up eventually Left Bank of America went to work for Fifth Third for a little bit made my way back to Bank of America and Merrill Lynch and now I'm here at movement and I couldn't be happier man. I'm doing something that you love. You know, what people say.

• 4:06 - 4:36
Wake up and you go to work, but it doesn't feel like you're at work. This is exactly it right. I get to serve people in a way that I can help them fulfill their dreams, right? I remember buying my first house in the feeling that I got when I bought it and now I'm able to provide that to others right and help my realtor Partners along the way so there's no better feeling to me than being able to do that. So that's why I do it. I'm a very passionate person. So obviously when I when I give myself into something I'm going to give him my always.

• 4:37 - 5:05
When people see that, right they value it and that's why I think I've been able to get you know, a lot of success early in my career is because I do care right? It's not just a paycheck for me. It's about a relationship. It's about being there for them regardless of what the situation is. So yeah and moving mortgage mean I couldn't pick the better company who were found in 2018 during the crash, right? We all remember the crash 2008. Sorry. Did I say 2018? Mm? Yeah, my bad. So Terry.

• 5:06 - 5:36
And you know, so we're a fairly young company when you kind of put it into perspective compared to some of the other lenders out there, but we're making some noise out the market, you know, we're in 48 states, you know, and we're very very very good at what we do. That's why were you know, making some some great noise and unfortunate to be representing a company that cares about loving and valuing right versus just a number and that's what I stand for as well. So being able to.

• 5:36 - 6:00
Serve people differently is why I think that you know, it's making us make such a huge impact in our community. So yeah, and that's I mean that's why I'm VP real T's worked with you guys so closely and you guys have been I mean killing it you guys are growing so quickly and that's awesome to see but just goes to show exactly, you know, your mindset and caring for people and helping them. That's that's exactly why you guys are growing so quickly.

• 6:02 - 6:31
Yeah, you froze their me. I'm sorry. I don't know like from for a good like five seconds. Oh, I'm sorry. I was just saying that's exactly why you guys are growing so quickly is because you you do it's more than just, you know, another another transaction. It's you guys cares exactly more than mortgages, but it is right when you can when you come from from a place of caring when you come from a place of love everything else around me just happens, right? So we're able to implement the the important principles in.

• 6:31 - 7:01
Providing great service and that's a great combination. That's a recipe for Success all day. So that's what we do. That's what we stand on. We have an incredible team down here in Southwest Florida. We have an incredible team really throughout our entire company really anybody you call. It's almost like I went to corporate before this whole pandemic started and when you walk in there, it just doesn't feel it's a huge company right this month this past month. We close over three billion dollars in transactions in one month, which is incredible, right? That's incredible feat, but you walk into.

• 7:01 - 7:31
To our corporate building and it doesn't feel like it's corporate. Right? It doesn't feel like you're just a number they care about you. They know you by name, you know, I can pick up the phone right now and call it underwriter. I can pick up the phone right now and call a team lead. I don't know how many companies can do that right where they wait. What's up Fabiano? How you doing, man? How's your family? Right? They don't really care if they're just there to you know, that's other companies. That's what I've experienced that because I've been there I've done that work for the companies, you know, this is different. This is different, you know, so this is why I like you said, this is why.

• 7:31 - 8:01
Able to do what we're doing and make this noise. So it's exciting. Yeah until yeah. So going right along with that with the exciting times that we're in right now. I mean, I'm sure this is something that's on a lot of people's minds to but how is how has covid affected the mortgage Market? I mean has it really made any impact or um, well, you know, I can't say that it has it right. Of course it has right. We hear a lot of people asking about the forbearance.

• 8:01 - 8:31
You know who's going to get people have been laid off. I mean the very beginning myself. I can't speak for you know others but myself I had a few deals that that were either put on hold or the call the client decided to walk away from it because of how covid had impacted themselves right their businesses. And you know, that was kind of sad and quite frankly. It was a little bit scary right because we didn't really know nobody really knows but I was a big believer from the beginning and I do a lot of you know, once it's called a starter.

• 8:31 - 9:01
Arguing a lot of webinars do a lot of coaching classes and trying to bring value to my realtor Partners to help them through this tough time. And one of the things that we talked about was that in my opinion, right my professional opinion in watching and seeing what the market was doing and through data right not just me speculating but right the housing market was what is or is what is going to take us out of this, you know, crazy pandemic. So for me and really our company we.

• 9:01 - 9:31
Had a record month. We are experiencing growth right we're experiencing that now we're busier than we were before right because I feel like people are now saying okay. Well, you know what? I don't need to spend money going out all the time. I don't need to spend money going out to lunch every day, right? I want to find a place that if I'm required to be home. I want to love where I'm at. Right? So like I feel like people are their priorities are shifting a little bit. So I feel like that's that's you know, we're blessed to be in this market. We're blessed to be in this position to be able to provide.

• 9:31 - 10:01
And with that service so, you know the way it's impacted for me. It's actually helped my business tremendously, right? Obviously, you don't want to you don't want to look at a pandemic and so I'm glad it happened. No, I'm not glad it happened. But we have to do when life throws you lemons right? You make Lemonade's you got to do the best you can with their with the situation that you're handed and go from them and I put my head down and I'm working right? Yeah, you know, that's that's I know there's been a lot of a lot of different things have happened because of this.

• 10:01 - 10:31
This but right it is still a strong Market, especially down here surprisingly. I was I was very shocked when I found out that the numbers were actually increasing over the last couple weeks and I'm like how the happening but you know, you do have there was a huge refi boom as well for a company. So a lot of a lot of those numbers are obviously a little bit because of the huge amount of grief eyes because of that rate drop, but the purchase business is still moving man the purchase.

• 10:31 - 10:46
Still I mean the prices are still good and the rates are low, right? So it's almost like a perfect storm you combine those two and you still got people that want to buy so it's it's been it's been really good man. It's been really yeah, and we're putting it a lot of work to write I think anytime you want you work hard until you meet you.

• 10:48 - 11:03
Devote yourself into creating results. You're going to get it, right? So that's that's our mentality man. We're not stopping. Yeah, that's awesome. Cause to be in ten percent of the households by 2025 so I know it's a it's a steep goal, but we're going to get there, right? Yeah.

• 11:06 - 11:34
Well, why don't we start off with like right in the beginning of the process? I know this is a huge question that a lot of especially first-time homebuyers ask, but when should somebody in the buying process be getting pre-qualified or pre-approved and I guess what's the difference between those two and you know the better? Yeah for sure so to touch on your first question, so we advise I mean, there's really no right time, right?

• 11:35 - 12:05
In the market to buy, you know getting yourself in order 70 60 days prior is good right getting an application completed sorting through documentation making sure you have everything aligned so that whenever you're ready to go out there somebody has already you stuff. They myself or anybody to decide, you know, you decide to work with is important right? Because you don't want to go out there and blind for it. There's a there's a huge misconception.

• 12:05 - 12:35
Option or or confusion between prequel and pre-approval right? I tell people all the time if they come to me and say oh, I've already been pre-qualified by ABC Bank right between you and I and anybody watching the pre-qualification is not worth the paper. It's written on right the basically the pre-qualification is somebody calls you say, I'm the loan officer. They called me up and said hey I work for you know ABC and I make $70,000 a year. Here's my social security number pull my credit.

• 12:36 - 13:05
So essentially it's verbal information with a credit pool. So the the loan officer is making an educated guess right because at the end of the day, we don't know if they're self-employed you chewed. We don't know, you know, if there's anything else that's attached to the individuals that person that's trying to buy that's going to hinder their ability to purchase. Right? So it's all verbose and you provide them with the letter based on that verbal information not good, right? So to take it a step further we like to do our due diligence.

• 13:05 - 13:35
Up front and we advise them throughout the entire process. I look we're doing this for you. We don't want you or the individual that's taking you out. Let's say that you're taking out a client. You don't want to put them in your car if they're not actually pretty pleased because the day you're essentially wasting your time. If something comes up if they you know, nothing came up during a pre-qualification. You can put them in the house for 300,000 get him under contract. And then hey by the way now that we look for docs they don't qualify for 300 qualify for 250. Yeah, so it's like Hey, listen, you don't follow.

• 13:35 - 14:05
For their house, that's a tough position to put your clients in is a tough position to put a realtor Partners in so in order to avoid all that we do everything up front you look at the documentation and EU which is our desktop underwriting. It's it's an automated underwriting system prior to sending it to a physical underwriter that tells us whether or not we can move forward based on the documentation that we look at so pre-approval versus pre-qualification all day. Yeah. Yeah. Yeah, that's one of the things I always I always tell my clients are you know?

• 14:05 - 14:35
One of the things that we try to avoid to is putting them in that situation where they find this house that they love and they think that they can get it and then all of a sudden they get, you know, get the notification that you know, you can't afford that so it's like yeah and I found two that you know their situations where you see that right you see what people get discouraged you're like, oh man. I can't now I can't buy this house. So like they're their motivation level goes down, right? You don't want that. You want them hot red, right. So if you provide them with accurate information don't set their expectations.

• 14:35 - 14:46
If he's well, right, so it's all right, making sure that you're doing everything for them the right way the accurate way so that you're you know, you're not you're not getting their hopes up for a reason because that's definitely something you don't want to.

• 14:47 - 15:17
Right. Yeah, what how about I guess what about credit score. How does that affect the pre-approval pre-qualification process and I guess their scores and what they're able to get four different financing options. Yeah. Absolutely. So credit score is very important something that you know, we all know this is not just for mortgages, but for really anything you buy mortgage is really anything anytime you're borrowing money. It's all risk-based. Right? So the lower your credit score the higher the risk.

• 15:17 - 15:47
Therefore potential for the links that he hires. Well, right. So if you want to get your in slower, you might have to pay a couple points to bring it down and we can get in the points, you know later. But yeah, so definitely having a higher credit score is going to help you. There are some lower score programs out there FHA being, you know, the one that you can go the lowest fee a as well, but yeah, the higher credit score the better your rates are going to be so definitely this huge implications there right? Because if your rates a half a point higher.

• 15:47 - 16:17
Point higher if you spread it out over 30 years that's huge savings, right? So there's a couple of things sometimes and we view the credit score. Hey, listen, if you pay this down if you pay this off, if you do this, if you do that, we can certainly provide them with a couple pointers to help them get their credit score as high as possible. If there's nothing that we can't do right if we look at it and say look there's really from you know, fun review your credit report now, I can't really point my finger to something there are companies out there that provide you with a service as well the credit repair company that can help.

• 16:17 - 16:47
Up, you more extensively than began in a lot of times, you know, we have to advise them. I'm not going to tell him not to move forward, but I'm going to give them my professional opinion based on what I have at hand so credit report credit score very very important when purchasing a home, right? Yeah. Yeah. I'm I know I guess this is probably kind of a loaded question because I know we can spend all day I have to but.

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I guess what are the most common financing options available for people and what are the differences between them?

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Oh, sorry. No worries. Yes the what are the most common types of financing options that you usually see most people deal with and I guess what are the differences and you know, you don't I know you don't have to go elaborate too much because you could spend all day on that but oh, yeah, there's tons but the most common ones you got your conventional products, right? You got your conventional first-time homebuyer, 3% down 5% down primary residence if they've owned a home in the past three years, right? So they're considered a first time.

• 17:26 - 17:56
Buyer, whether they never owned a home or they haven't owned a home in the past three years if they have that it's 5% down and we have your FHA which is 3.5% down and you have USDA that's going to rural area. Right? There's a very there's not a lot of locations anymore. They have made some alterations to the USDA map as of year ago. So there's few places now that are at least in our area that are USDA approved and then you have your VA loan as well for our veterans which isn't it.

• 17:56 - 18:15
Credible product. Yeah, those are the top four most common loans that I you know that I see that I deal with on a constant basis. We don't do too much, you know arms anymore because of the fact that the rates are so low right now. Anyway, there's really no sense of doing an adjustable rate because the rate difference isn't really.

• 18:16 - 18:45
That much sorry. So yeah conventional FHA VA USDA or the ones that were working with primarily. Okay. Now the the conventional loans you can am I correct in that you can actually get a conventional loan now with 3.5% down. You can get it as low as 3% Oh really? Yeah, as low as 3% We have a home ready program. There's some income limitations there. We also have a regular 95 to 97.

• 18:45 - 19:02
So 97 95 percent LTV, that's again that you have to be a first-time homebuyer to be able to qualify for that program. And again first time home buyers are if you've never owned a home or having own home in the past three years so you can.

• 19:04 - 19:33
Okay, and I know you had mentioned before about points. That's a pretty confusing topic for a lot of people. Is there a way that you can kind of simplify what points are and how they work what they do for the the financier? Yeah, absolutely. So so a point essentially is when we quit let's see what cultural rate of 3.5% right 3.5% no points. That means the borrower if they wanted to bring down that road.

• 19:33 - 20:02
Rate even further. They would have to bring money out of pocket. And essentially that's an additional closing cost that they paid to the lender for the letter to lower their costs. Right essentially a point is is one percent of the loan amount you look at that way, right? So for a three thousand dollar loan amount one point would cost them three thousand dollars. Okay, bring it down right to pay one point. Right? And however that affects the rate you have to run the the rate sheet for yet. We would be about $3,000 for that.

• 20:03 - 20:32
Okay, how about the loan a debt ratio it sorry debt to income ratio. Yeah. Yeah. Is that how does that play a role in? You know how much what their rates are going to be and I guess how much they're able to borrow. Yeah, so so that that's an income is very important ratio, right when qualifying a borrower for a loan. We actually have our guidelines to go directly to Fannie Freddie.

• 20:33 - 21:02
That got you know guidelines. So we'd have you overlays Fanny guidelines allows us to go up to 50% back end ratio. Everybody's long as a little bit trickier because obviously the credit score has implications on that as well. So about how your credit score the higher were able to go the more lenient. They are with those ratios. So again credit plays a huge part and not just you know the rates but you know on your own your ratios as well FHA is even a little less strict.

• 21:03 - 21:32
Fha allows us to go up to fifty six point nine nine and again credit score plays a role in that as well. So there's a lot of you know different different ratios different calculations. I come into play assets, right? So how much money like reserved for example, if you have a lot of good padding in your account liquidity that helps as well. So if we're running the you or desktop underwriting if you have a good amount of money in there that plays a that's that's a that's a positive factor that helps with that with that cow.

• 21:33 - 22:02
Relation as well. So there's a couple of different things that can impact how high that BTW I can go. So, you know, so there's there's a couple different variables. So again, every scenario is going to be different. But if you're looking at a guideline standpoint 56.9 for FHA 50% for conventional is the highest we can go. Okay, how do you do you guys this Movement Mortgage have calculators on their website or should they just contact a.

• 22:03 - 22:32
Loan officer it's best for for them to reach out to a loan officer directly because what we do is we actually pulled the credit who have a accurate idea of what your liabilities are because a lot of people are like, oh I owe $5,000 was credit card, but we have to know what the minimum payments are. That's what we go off of and we will add all that up. So if you have a car payment credit cards or whatever else they may have will add all that up versus their income and then we'll come up with that calculation. So it's best that, you know, we actually look at it to be.

• 22:33 - 23:02
Provide them with more accurate calculation. We do have a mortgage calculator available if they want to reach out I can provide them with that as well. So they have an idea. Okay, and for the I guess for I know I've had this question asked before when they do a pre qualification or pre-approval either one. Is there a way for the lender to do a softball on their credit or does it have to be a hard inquiry so and that's that's a great question actually, so I.

• 23:03 - 23:32
I get that too. And I hear people say no. I don't want you to pull my credit. It's like all right. Well, here's my response. Right and again every loan officer is different. But if you're looking to buy a house, you have to get your credible just like when you walk in the bank and you apply for a credit card, you can't tell the bank. Hey pull my don't pull my credit, but I want to apply for this credit card. It's essentially the same thing. It's a credit pool. We have to look at your credit history to be able to tell you whether or not you're going to be able to move forward and the only way to do that is to for your credit. I can give you some verbal stuff.

• 23:33 - 24:02
But that doesn't mean anything so I don't I don't like doing it. I like him. I'm making sure that I'm going to be thorough to provide you with this accurate information as possible so that you can feel comfortable moving forward in the process, right? I don't I mean I've never I don't really even know how to do a softball to be quite honest with you once they've completed application. It's a pool right to credit think yeah, so down here. I know Southwest Florida there's tons of investor and investment.

• 24:02 - 24:32
Bertie's down here. I guess what would be the difference between doing a gues getting your financing for your home versus getting it for an investment property or second home? Yeah. Yeah great question. It all goes back to that to the risk, right? So first or primary and secondary homes are considered less risky, right? Because Primary Home obviously you're going to live in it. So they figure more likelihood you going to pay in the event that something happens. You're gonna pay for what you live.

• 24:33 - 24:43
You to place a little investment because it is riskier. There's going to be higher down payment requirements also interest rates, right? So those those get impacted.

• 24:44 - 25:12
It is an investment property the difference in rate between primary and secondary. I can't even there's really nothing no difference at all. But when it comes to investment, you're going to see a uptick in the amount of money required to put down and all the interest rate as well. Okay, Margo's single-family. There's also a difference condos being little more riskier. It's a little higher down payment requirement 15% single-family 25% on a condo for helping.

• 25:13 - 25:41
Okay, let me see. Right, right. Yeah makes sense, you know, but obviously you're not too worried about losing an investment property as much as you would be for losing your own house. So and then I forgot to talk something secondary if you buy the secondary properties a minimum of 10% Oh, okay. Yeah, that that's reasonable. Most compressor should have that anyways, so, all right, I mean.

• 25:48 - 26:13
Yeah, sorry the internet might be a little bit slow today. I do. Yeah, I tried a whole bunch of different ones out to try to find something that worked but I felt this one popped. So now it's a it's a backdrop. It's a screen. Yeah, that's sweet man. Yeah. Yeah. I have a green screen, too, but.

• 26:13 - 26:17
Like I like an actual backdrop. That looks better looks better.

• 26:18 - 26:47
Well, I guess those are most of my main questions. Do you think there's any anything that you'd like to touch on that is probably important for first-time homebuyers. You think we've covered everything. I think we I mean it was as well look at the questions when you really said it to me like me he covered a good amount of stuff man. It's pretty pretty good. So you definitely have a lot of good questions that I hope are going to educate, you know, whoever's watching. I do also have a website that's got tons of information. So if you want to to add.

• 26:48 - 27:18
He got the pin tool lending team.com. I've spent a lot of time creating these videos, you know, making them available to whoever is interested as first-time homebuyers. There's VA videos FHA videos investment videos things that people can watch to really become educated on the mortgage process and how it affects you but we definitely haven't check it out. I don't know if you want to maybe put a link or something, but it's a great website that they can get a lot of information about you know,.

• 27:18 - 27:29
No, their particular situation is pretty much covers everything. Okay, and what did you say? It was www dot the pinto lending team.com, okay.

• 27:31 - 27:55
See if I can pull that up on the screen absolutely man, super interactive and it can set you know, if they wanted to ask questions. There's a there's a ask me a question. Are you gets there was sent to my email and I can try to reply as soon as possible. You know, there's a link to application as well if they want to see if they can get pre-qualified or pre-approved rather. So yeah, it's pretty sweet pretty cool website.

• 27:56 - 27:57
Yeah, the.

• 27:58 - 28:15
I guess this isn't going to let me pull it up the whole thing. It's a little bit too large. Let me just make sure I have a spell dry dapi nto lending team.com thche the pinto let me t doc.com.

• 28:19 - 28:19
All right.

• 28:22 - 28:51
A big picture on the front there. All right, so it's up on the screen right now the pinto lending team.com anybody like to get some more resources check that website out and then is moving mortgage doing any incentives right now. I know you guys do do a decent amount of incentives, you know. Yeah, the main one we're doing right now through the end of this month. There's hasn't been any word whether that's going to get extended but we extended it once already. It's the front.

• 28:51 - 29:21
Hero program it's for all of our Frontline Heroes nurses doctors, you know firefighters police officers anyone that's looking to buy a house. We're doing a lender credit of $2,500 towards their closing or however, they want to utilize that so I've been fortunate enough to work with a few of our heroes and they've been very thankful for that as matter of fact, we're closing one in about two weeks for a nurse that's working in the covid unit man the stories that they're telling us, you know, so so.

• 29:21 - 29:51
So, you know we have thank you guys, you know, if you're watching we appreciate your services. We appreciate everything that you're doing to keep us safe. And yeah, so we're offering that $25 credit, you know to all of them. So that's that's our biggest incentive right now. Okay. Awesome. Well, I'll probably I'll probably try to get some links from you later to like the calculator and I'll put that in the video description for people to click on and.

• 29:51 - 30:21
And check out and I'll also put your your website in the in the links as well. But yeah, I mean that's that's all I got for questions. If you have anything else you want to say now. Yeah. Yeah, man, I just again want to say thank you for anybody watching. You know, I'm I'm an open book. So if you guys have questions if there's even if you're not ready to move do something right away conversation is always welcome, you know, if I'm not available right away just yet.

• 30:21 - 30:51
A text you know, I'm assuming you're going to be uploading my contact info as well. Yeah, so so my contact info will be available free to reach out. I know that especially for first-time homebuyers, you know or really anybody that's trying to buy a home sometimes questions come up and you want to get an answer there are you know, I remember in school when you tell me there's no bad. No dumb questions, right? So same thing that's what I'm here for this or what the experts are here to help and serve you to get into it, too.

• 30:51 - 30:54
You Beautiful home, so it's the American dream and we want to help you fulfill it.

• 30:56 - 31:25
Absolutely. Well, we'll listen. I really appreciate it Fabio. No, I appreciate your time and all the advice and knowledge that you're you're helping the audience gain and I will definitely be in touch with you more and be sending business your way and I'll also be sending anybody who has questions about financing that they ask me. I'll send him your way because you're the pro there. I appreciate that man. And again, they keep up the good work you're doing incredible and your viewers are lucky to have to have you guys.

• 31:26 - 31:36
Provide him with information is pretty awesome. Thank you. Got it. Got it. Alright. Well, we'll stay in touch and I'll talk to you later. All right. Thanks everyone. Thank you.

• 31:38 - 32:07
All right. So that's it everybody. That is the show for today. If you do have any questions, like I said in the video, I will I will be posting the links to Fabiano's website. He has a bunch of resources on his own website. He'll also be providing me a link to the calculator. So if you have any questions as much as I will try to answer any questions you have about financing I usually defer my answers to the professionals know what they're doing and exactly what they're talking about all the time.

• 32:08 - 32:37
Are staying up with the market? So stay tuned next week. We have a another interview with our Fort Myers local staging company stage in a maze who do Sue do some pretty incredible work and they're going to share a bunch of tips on home staging, you know, picking out different color schemes and things of that nature as well as if you're considering getting your own home stage what the different packages they offer so that's coming up next week and.

• 32:38 - 32:44
I look forward to having all of you come back and check out the the next episode. Alright, thanks guys, and I hope you have a great week.