Keys to Homeownership: Financial Prep, and the Path to Your Dream Home

Can you imagine a booming real estate market where inventory is decreasing, yet buyers are more eager than ever to secure their dream home? That's exactly what's happening in the vibrant Las Vegas real estate scene, and we're here to guide you through these exciting changes. Join us, Trish Williams and Courtney Boehm, as we unpack the latest market trends, including the notable fluctuation in interest rates and the record-breaking median home prices of $485,000 in Southern Nevada. We explore the benefits of FHA loans for first-time buyers, highlighting their unique advantages in today's competitive market. Plus, gain insights into why setting clear goals is crucial for personal growth and wealth building, and learn how to navigate the sometimes uncomfortable journey of real estate investment.

With practical advice on credit building and financial preparation, we're here to help you move from your starter home to your ultimate dream home. Discover how establishing credit lines and maintaining a healthy credit score can be key factors in securing a home purchase. We'll share stories of young homeowners who built substantial equity over time, illustrating the stability and wealth potential of real estate ownership. Our discussion also touches on the importance of maintaining a financial cushion for unexpected expenses, and how the Las Vegas market remains a hot spot for savvy investors. Trust us to provide the insights you need to thrive in this ever-evolving real estate landscape.

Chapters

• 0:00 Las Vegas Real Estate Market Trends
• 10:36 Advantages of Homeownership and Financial Preparation
• 18:55 Credit Building and Financial Preparation

Transcript

Speaker 1: 0:00

Welcome to Vegas Realty. Check your go-to podcast for all things Las Vegas real estate. Whether you're buying, selling or investing, we bring you the latest market trends, insider tips and expert insights to navigate the ever-changing Las Vegas realty landscape. Tune in each week as we break down the data, answer your questions and help you make the best real estate decisions in the entertainment capital of the world decisions in the entertainment capital of the world.

Speaker 2: 0:28

Hey, las Vegas, thanks for joining us back here at Vegas Realty Check. I am Trish Williams and I'm Courtney Boehm, your co-host. Yes, and we are here to bring you the news. Today, we're going to be talking about market stats and buyer goals goals for homeownership so it's going to be a great show. Hope you stay tuned in and let's get started with our market numbers for the week.

Speaker 3: 0:50

Yes, so right now single family homes on the market are 5,032, which is down 95 from last week.

Speaker 2: 0:57

We see that inventory is going away, guys, it's moving down, so that's good. Um, condos and townhouses, those are down huge, 554 at 1,283 for the week. So are they being bought up or I? They must be being bought up, but that is a huge jump. I had to like double check that number Cause I was like this doesn't even seem right. So, um, those are, those are down quite a bit. That is a huge jump, yeah. And then we are at our seven-day stats. New listings are at 936. Which?

Speaker 3: 1:35

is 46 more than last week, so not a crazy number, but we're definitely seeing a little bit more listings come on market, especially getting into the new year.

Speaker 2: 1:43

yeah, price decreases. Those are hovering around the same number, but it is a big number. So 791, that's up six from last week. So sellers are um and this is a word to you guys, for sellers, like our numbers are showing movement. Now, if your home is not moving, look at the price. It's price or condition. There's no other, no other explanation, just price too high. Yeah, it's either or condition. There's no other explanation, just price too high. Yeah, it's either. Price too high, it's not showing. Well, definitely this is the time in the market to look at those price reductions to make sure that you get your home sold.

Speaker 3: 2:15

Absolutely, and we have 606 sold this week, which is up 86 from last week.

Speaker 2: 2:20

That's a good sold number so. So yes, those numbers are looking good. And 819 in contract. It's down 10 from last week but that's a really good in contract number.

Speaker 3: 2:31

I wonder how many of those solds were people from California.

Speaker 2: 2:34

Yeah, yeah. We are hoping we're going to start seeing some Californians move out here to Vegas, which they've been doing, but we're expecting that that's going to raise over the coming months. Absolutely. Where are we at with rates this week?

Speaker 3: 2:49

So yesterday actually we were finally under seven, which we haven't been under seven since December 17th on a 30-year conventional. So it did come down a little bit and then about an hour ago we saw a little uptick. It went right back to seven. So you know, the market is definitely holding steady and, um, we're sitting right at about a 6.4 on an fha va on our national average. So I do think we're going to be right around a seven percent. I don't think we're going to see too much movement either way February, but I think once we hit March when the feds meet, I do think that's going to come down. So we're at a 7%, about a 6.4% for an FHA VA, but it was good to see it come down and then it came right back up just a tad bit today.

Speaker 2: 3:40

Yeah, yeah, 6.4 is looking good though, so those FHA and VA loans are looking a little bit better, and we have some news for the week Las Vegas sells. In January broke records.

Speaker 3: 3:55

Yes, so there was an article in the Las Vegas Review Journal that home prices in Las Vegas broke records in January. The median price of houses sold in Southern Nevada was $485,000, which is the highest ever recorded since May of 2022.

Speaker 2: 4:12

Yes, and that's a 9% increase from last year. So that is huge. That is huge. We are definitely holding steady in our market. The talk of a crash, I don't think is even in conversation anymore. We are definitely holding steady in our market. The talk of a crash, I don't think is even in conversation anymore. We are definitely holding very well in our market right now. So things are looking good, at least for next few years. I think you have a loan program to highlight today, yeah, so today we're going to talk about the FHA loan.

Speaker 3: 4:42

This is one of our most popular traditional loans. Okay, the other loans that we typically see the most going through the standard banks are going to be your conventional, your VA and then your FHA. So an FHA loan is through the Federal Housing Administration and this loan is really going to be geared towards not always, but typically your first-time homebuyers and then also people sometimes that have a little bit lower credit scores, um higher debt to income ratios now I've heard some people say fha.

Speaker 2: 5:15

They think it stands for first time home buyer no, but it does not, but not always.

Speaker 3: 5:21

when you're looking at fha, usually we're looking at debt to income credit scores. Typically, if we're looking at conventional side, it's going to be someone who has lower debt to income. They have usually a pretty decent or higher credit score when the rates are high. We typically will look at both just to kind of see what's going to be best. However, an FHA loan can only be used for a primary residence. Okay, so it can be up to four units, but one of them has to be occupied by the actual borrower. Okay, so you can buy a four, four units, but one of them has to be occupied by the actual borrower.

Speaker 2: 5:52

Okay, so you can buy a fourplex with an FHA loan? Absolutely yeah, that's a great option.

Speaker 3: 5:57

And we'll use a look at rental income and things like that to also qualify the loan.

Speaker 2: 6:02

Okay, so that's kind of nice. That's a good option for people and what would you say is the biggest downfall of FHA? Because the rates are better, it's primary, it has to be owner occupied. But what would be the biggest setback that people have with an FHA loan?

Speaker 3: 6:18

So there is going to be mortgage insurance that is included in the actual loan. Okay, so you're going to have mortgage insurance that's due at closing, whether it's rolled into the loan or paid up front with cash, it has to be one or the other. But there is a premium up front and then it's also built into the loan. Okay, so with that, on an FHA loan, you typically can put down 3.5%, which is great to get your foot in the door to a home, especially for a new homeowner or maybe someone that doesn't have a ton of money saved. Yeah, that's a great benefit. But with that does come mortgage insurance that is rolled into the payment, and so we have to look, of course, at affordability. Now, if you put three and a half percent down only, you're always going to have that mortgage insurance built into the loan. It will not go away.

Speaker 2: 7:05

Okay, so what is the percentage that you can put down on an FHA loan to not have mortgage insurance, or is that existing?

Speaker 3: 7:12

So, on an FHA loan very different than a standard conventional loan, which I will get into next week we can do the conventional. But on an FHA loan you will never not see it unless you put down 5%. Okay. So on 5% or more, it will go away after year 11. Okay, most people I didn't know that. Yeah, yep, most people refinance out of an fha loan. Yeah, um, especially because the rates come down.

Speaker 3: 7:43

Most people, especially here in nevada either don't stay in a home for more than a certain amount of time. Usually it's very rare you see someone stay in a home for not always, but most people are going to refinance out of that and go into conventional loan just because then they get rid of that insurance. It's pretty rare you see someone hold that for more than 11 years, but it does happen. But with that, a couple of things. Fha, we're always going to look at your standard income. You do have to have qualifying income qualifying income, yes. And we're also going to look at debt to income ratios, very different than a conventional loan, where your typical debt to income can be a tad bit higher. So the max is about a 56 percent, versus a conventional loan where it's 50 percent debt to income so you can have a tad bit higher and credit scores can be anything under 580 is usually going to be a hard loan to get qualified because typically under 580 you're having some other issues, a bunch of disputes on credit, or you're just not paying your bills.

Speaker 3: 8:41

If your credit is 580 or under, it's automatic 10 down okay. If it's above 580 it's three and a half percent. So of course you can put down more just to make it more affordable. And then we're also going to look at you know, have you not paid your taxes and things like that student loans. So those types of things are going to come into play with that. Like I said, most people do come out of an FHA loan though. So just statistically, if you're looking at like a half a million dollar house, the average, if you're just putting the minimum down, like a three and a half percent, you're looking at about $17,500.

Speaker 2: 9:15

Yeah, which is definitely a very easy down payment to come up with Absolutely so that is, it is a great option. And what are the loan limits on FHA?

Speaker 3: 9:26

So FHA this year is $524,000, $524,000, $255,000. It's up about $25,000 from last year, which was sitting right around $498,000 for a single family residence. And the nice thing about an FHA loan is it can be a gift fund from, like, your family, parents. 100% of that and then also 6% of seller concessions.

Speaker 2: 9:50

Okay, so it does give new home buyers the option to be able to get help take gifts from their parents to be able to, or from anybody, and be able to get into that home ownership.

Speaker 2: 10:02

And speaking of a goal of home ownership, so we had a great question from Vanessa and I think we can just focus the rest of our show around that question because I thought it was great. So Vanessa says she has a personal goal of buying her own home. Many people say that right now is not the right time. How does she know when it's the right time? And, while she's preparing, what are things that she can do to improve her credit and save more for when she does buy? Any advice would be appreciated. So that's a lot of a question.

Speaker 2: 10:36

So it's a few questions rolled over in one, but I think, when I was looking at this, like the first thing that came to my mind was goals and how important goals are. I mean, I'm always I'm a goal setter and unfortunately this year we're in February I still have not set my goals for 2025, which I'm working on. It was just last year was such a big year, so many things accomplished. I kind of put it off, you know, but I think setting a goal is like is like creating a GPS for you, you know, it just gives you direction of where to go and you set out a game plan, step by step, and that will help you to achieve that goal.

Speaker 2: 11:26

And as far as like growth, like wanting to own your own home, um, is, it's, it's growth, it's a way, it's a path into wealth and building wealth, um, it is. You know, my daughter bought her home at 22 years old and she's, you know, she was working at a restaurant. She's not making income, where she would be able to save a lot of money over the years, but now, today, she has over 200,000 equity in that home. That's wealth she would not have been able to build on her own, but she was able to build that through her home.

Speaker 3: 12:02

And how long has she had that house for?

Speaker 2: 12:04

She bought it in 2018. So what were we? 19, 20,. So what were we? 19, 20,. Seven years, and that's a lot of equity. That is a lot of equity over seven years. So, yes, this is a great goal to have and one thing that an analogy that I use often, even when talking to my kids or talking to anybody about goals I heard years ago and I can't quote the source because I don't remember where I heard it from, but I still remember the analogy, but quote the source, because I don't remember where I heard it from.

Speaker 3: 12:31

Well, you still remember it.

Speaker 2: 12:32

I still remember the analogy, but not the source. But we're all living beings, like plants. Plants are living beings, right? So picture yourself as a plant and a plant in a pot. When a plant starts out in its pot, you give it food, you give it water and it will grow. But it comes to a point where that pot becomes too small for the plant and the plant has to grow out of the pot. Taking it out of the pot and putting it in a bigger pot is going to cause it to struggle. It's going to look like it's dying for a little bit. It's going to have a hard time adjusting, but it's necessary because if you leave it in that pot, its roots are going to grow too big. It's going to start breaking the pot all around it and eventually it'll either strangle itself or just die.

Speaker 2: 13:19

I hate to sound so dark there. You're just going to die if you don't grow. But that's how important growth is in our lives and I believe that homeownership is a part of growth. I really like that analogy. Thank you, that's good. Thank you, it's one of my favorite ones. Yeah, yeah.

Speaker 3: 13:36

I think, to always have goals and be driven to. You know, get out of maybe your comfort zone or do something different. And goals are important, especially writing them down and having a vision for what you want. And I think, especially being in our industries, we can say that buying real estate is never a bad idea.

Speaker 2: 13:56

Yeah, I think if you went to any of your grandparents for instance, and asked them if they regret buying the home that they probably had forever now. It's never a bad idea. It's never in bad idea In the long run. You just think of all the years and all the money that you can put into paying rent that goes absolutely nowhere and what that could do in your equity and building value over time. Sometimes it's not instant. These last couple of years appreciation has been happening a lot slower. Sometimes it is instant. It's whatever the market's doing and there's even times when the market goes backwards.

Speaker 2: 14:39

And the biggest tip I can give you for that is you just hold steady, it will come back. It's always come back Historically. It's always come back.

Speaker 3: 14:48

And I think the biggest thing too, especially in a market like right now, is, worst case, let's say, a couple of years maybe your home doesn't build a ton of equity, which especially in this town right now, with everything going on which I'll kind of go over that in a moment and we'll tie that back in but I think, even if let's say you're not building equity, that moment, at least you know what your payments are, because there's so many people I know of that are renting and all of a sudden their rent goes from 2 000 to 2 400, yeah, and now it might not be affordable, or now they're spending all this extra money and it's just gone yeah, yeah, and and that is locking in your payment also, um, the benefit of, if rates come down or when you build up enough, equity, refinancing and lowering that payment.

Speaker 2: 15:37

Home ownership is the only thing that gives you the option to make that payment lower over time instead of it going up. So that is another thing.

Speaker 3: 15:46

And going into what things can she do to help get ready and I'm going to cover that in just a minute, but I also wanted to kind of just touch on a couple of highlights. As far as this market, I think it's super important that if you find a house that matches all your boxes, it might not be the perfect home forever or your forever home, but if it's something, if you get a pre-approval and and it's something that's doable and affordable, you can always refinance. And I think that there's some things that, as far as Nevada goes, that were the number one place for investors that are buying housing right now. Yes, I believe so in the entire country we are the number one place investors are coming and they're buying a lot of properties. We have some things coming to Las Vegas.

Speaker 3: 16:37

Sony's coming and the Warner Brothers Studios are also coming here. So what that means is a lot of those companies are coming here with a lot of money. They're buying a bunch of properties because when their employees move over here, they're gonna rent them out to their own employees and you know they're going to make money off of it. They're going to capitalize. So I think when you're looking to buy a home, unless you have infinite amounts of money to put down, you don't want to be in a situation, which we touched on last week, where you're in these bidding wars and these people are coming in with a bunch of cash.

Speaker 2: 17:10

Yeah yeah, absolutely, and there there are markets like that. There we've been in markets like that recently. And there are markets like that, where where you have to have more cash out of pocket to be able to get into home ownership and yeah, that's a that, that's a great point, and I do think the best time to buy is when you're ready to buy.

Speaker 3: 17:32

Um, when you're ready if you financially have the means and you feel like it's something that's doable. But as far as credit goes, or or getting, I think the question said, um, what can I do to improve my credit and save more? So there's some things we always talk about not doing before you look at purchasing a home. So I'm going to cover those and then some of the things you want to be careful of or not to do. The biggest thing is really looking at don't open new credit lines. That's a huge one. Just don't.

Speaker 2: 18:06

Now on that, on that I have a. I have a question, though. Often I've heard people say that they were told that they should have a credit card to build credit. So what would you suggest for?

Speaker 3: 18:18

that. So it's going to depend on where your credit is. If you have virtually no credit, that's one thing, and I do think it's important. Based on your timeline of looking at a home, sometimes we can kind of do a pre-approval and give a brief overview of what we need to do to get you where we need to in a certain amount of time. Okay, very rarely not very rarely, but I'd say half the time people come and they want to get approved and they're not ready to buy a house yet, but they want to have a roadmap on steps to get there, and so I think that's important to look at overall debts and where you're at as far as income, so we can kind of put you on a road to get you to homeownership. If you have virtually no credit, then you want to open credit because that'll help you build credit. And we have seen people and there are situations where there's families that just buy everything cash, and so it's not that their credit is bad, they just literally don't have credit. Yeah, they just never built credit lines.

Speaker 3: 19:15

And so in that case, we're going to have a different conversation of let's get you some lines of credit. Going, that way, we can start establishing credit right. Um, if you have no credit, that's a whole different conversation. If we're looking at how can we improve credit scores and and what to do to prepare for purchasing a home, one would be, you know, paying down your debts.

Speaker 2: 19:38

Yeah, keeping that balance, your overall balance, under 30%, is the golden rule. And some people have credit cards that you know they may have a credit card. They paid the balance off to zero and then they just don't use it at all. And when you're trying to build credit, even if you add your netflix account to that and then pay it every month, it will report and as long as that is continuously reporting, you're continuous, continuously improving and building your credit score so you don't have to go on a shopping spree and you don't have to put yourself in debt by using that card, but continuing activity on it can help build your credit Absolutely.

Speaker 3: 20:23

And a lot of people don't know.

Speaker 3: 20:24

You don't want to close a credit card line, no, yes, you don't want to, for the simple fact that when you're looking at credit, about 15 percent of your credit score is based on your history of credit. 15% of your credit score is based on your history of credit. Yes, so if you've had a credit card for 15 years and you maybe never use it which goes back to the point of you want to use it, even if it's something small $10, when you close it it actually does negatively affect your credit.

Speaker 2: 20:50

Yeah, Because it's the time of history of having that account. I had an old Mervin's account, like Mervin's.

Speaker 1: 20:58

It was around. Now they're all Kohl's.

Speaker 2: 21:00

And then it transitioned into Kohl's. But the thing is that the history of that line of credit is so long that it reports very well. And I mean, I rarely ever shop at Kohl's, but when it comes I think it's every two years or something they say we're going to close your account if you don't make a charge. So I'll make a charge just to make sure that it keeps that line of credit going.

Speaker 3: 21:26

The more revolving credit you can show and the least amount of utilization is what's going to help build your credit. So, if we're looking at building credit as well or getting your credit score a little bit higher so if we're looking at building credit as well or getting your credit score a little bit higher not closing credit obviously credit accounts and then also recommend just don't spend on things that you don't need right? If we're really trying to focus on getting your debts down and getting that utilization under 30%, we all go to Costco and are there for two things and end up with 20 different things. So really try to pay down those balances. And I typically recommend, if someone has high credit card balances, we're going to look at which one's the highest and try to pay that down first so we get that utilization under the 30%.

Speaker 2: 22:10

Right and I think it's a good rule of thumb. If you're out and you're about to make a purchase, I always think it's a good idea to have a savings count. Everybody should have reserves and funds. If this purchase that you're making is higher than what you have in reserves at that moment, then it's probably not a purchase you should be making, because you should not buy anything. Say, if just, for instance, say, you only have fifteen hundred dollars in savings and you're out looking at a tv that you want to buy, that's twenty five hundred dollars, I would say no, don't, don't, don't do that, because I would say no too that purchase is higher than the amount that you have saved for reserves and it's not a smart or wise purchase.

Speaker 2: 22:56

I would um definitely say if you're going to do something like that or you're going to purchase something like that, it should never exceed the amount of reserves that you have already saved, because you have proven to yourself that you can save that amount or put that amount aside. And if this amount exceeds that, then it's probably setting yourself up for failure.

Speaker 3: 23:16

Absolutely, and I think when you're purchasing a home, you want to have a tad bit of cushion for things that maybe need to be fixed, minor things. Or, you know, right, when you move in, obviously there are going to be expenses, movers and you might need new furniture and things like that. So you really want to look at that. I also advise too, if you're, you know, a few months away and maybe not ready to do a pre-approval yet freecreditreportcom. You can get a free credit report once a year I believe it's once a year and you really want to look through that. Statistically, 79% of people's credit reports have something inaccurate.

Speaker 2: 23:51

Yes, and let's talk about that for a second disputes. So opening disputes on those credits, those back when I purchased my first home, my first home was a town home. It wasn't my dream home by any means, but it got me in. It got me in and when I sold it I had equity that I was able to put down on the next home. So that was. It was fine and I and I knew, and I understood that I wasn't going to get into my dream home first, I just wanted to be in home ownership.

Speaker 3: 24:19

And that's the important thing when you're buying a home is this is a starter home most of the time, so let's get you in first.

Speaker 2: 24:24

Yeah, yeah. But back at that time I did have some inaccuracies on my credit report. I had to fix some things before I was ready. I was young and there was some stuff there, but some of it was not accurate. The dispute process back in that time was very difficult. I had to send letters. I had to, you know, do a lot of emails and faxes those fax machines weren't really old school now but all of those things to get it done. And now the dispute process is simple. It's like a click of a button to dispute something on your credit report. They look into it.

Speaker 3: 25:01

It is. Disputes can be very tricky when getting a loan closed, so that's why we typically advise we're going to look over your credit report and see what's on the credit report Disputes. The process has became easier, but you don't want a bunch of disputes on your credit when closing a loan. Typically, the process has became easier, but you don't want a bunch of disputes on your credit when closing a loan.

Speaker 3: 25:19

typically, the wording has to be changed and removed okay, so the dispute if you have an open dispute, they need to be resolved before you're doing your purchase and and some of there has been times where someone's credit is not the highest and they go to dispute and a lot of times it does change your credit score because now something is changed on your actual credit report, Right. So that can be a little bit of a tricky process and that's why it's so important to have steps and have a roadmap and if you're wanting to buy a house, you know, in the next three, four months, you want to get a pre-approval so we can start guiding you towards what needs to be changed, fixed or done. It is a little bit of a process sometimes.

Speaker 2: 25:59

And even if you feel like you're not quite ready right now, Vanessa, it is a good idea to talk to a loan officer, call Courtney and get this started, so Courtney can help lay out a game plan of where you need to go and what you need to do to make that happen Doesn't have to be today and we understand if you're not ready today, but setting that out for you can help you have clarification on where you need to go with that and then saving money.

Speaker 2: 26:25

Saving money is always hard right, it can be. It can always be hard. I learned many years ago I did the Dave Ramsey Financial Peace University and then we actually my husband and I took it a few times because we just really had to like absorb and like go into it. And it was hard because a lot of it is, you know, when you're in bad spending habits. A lot of it is curbing. That, you know, and it talks about if you really follow the plan. It's not easy and it's uncomfortable, but you do have to kind of change the way you live and that was a big thing.

Speaker 2: 27:02

But one of the biggest things that we took away from that was the importance of saving, learning to live off.

Speaker 2: 27:11

I mean, we're now at like 80% where we've gotten in the habit of learning to live off 80% of our income because we do tithing for 10 and then we do savings for 10.

Speaker 2: 27:22

But regardless of that, learning to live off at least 90% of your income and right, when you get that check, that payment, 10% goes immediately before you touch it, before you pay a bill, before you do anything, that 10% is automatically moved into a savings or reserves account.

Speaker 2: 27:43

And that is a hard habit to get into and sometimes you look at, well, this isn't going to work because I have this, this, and that it has to be. You act as if it doesn't exist. You put it away before you touch anything. Because if you put it away after you pay all your bills and you say, oh, I have this much money left to spend, and then you make that Sam's Club or Costco trip and it's gone. Yeah, and Target, it's gone because you see it in your account, you know it's there, and then that money that you say I'm going to leave over for savings is already spent and then it never goes there and you have good intentions but it never happens. Putting away that 10% first and getting it, getting it reserved to the account, and then working with the rest of the money, is what it is a very good discipline and very good habit that everybody needs to get into.

Speaker 3: 28:38

Absolutely. And another thing that I always advise is and I can't tell you how many times I've seen this when purchasing someone will buy a new car right before and the payment is high and it literally disqualifies them from their debt to income being something that we can qualify. So be really cautious of, when you're purchasing a car, the payment, your income and if you're looking to buy a house. I mean, I've seen so many times a car just Cars are depreciating assets they do not appreciate value Does hit towards your debt to income and if the payment's a thousand dollars a month.

Speaker 2: 29:17

Yeah, and you really should. There's a saying out there by the house before the car, and that really is really is a good rule of thumb as well. You know you don't have to have the best car or the newest car. A car is a means of transportation. Definitely want something that's reliable, but it does not have to be a brand new car to make it reliable. And when you're talking flashy some people want a flashy car it's going to impress their friends and really it's a lot more impressive over time that you're building your own wealth. You're impressing yourself, you're setting up your own strategy, because there are so many people that are in apartments right now with some really amazing cars but they are not building long-term wealth.

Speaker 3: 30:02

So wait until after the house closes before you get a new car or you take out a large loan that possibly could disqualify you from qualifying for a loan.

Speaker 2: 30:13

Absolutely. I think those are all good tips, vanessa. I hope that helped. And, yes, if you are watching our show, please go to our website, which is our link tree at wwwrealtycheckvegas. Like, share, subscribe, tell your friends about us, and we do want to send a shout out to our marketing partner, chicago Title. Thank you so much for your support, and we will be here next week. How do people get ahold of you, courtney, if they want to talk about?

Speaker 3: 30:43

this Absolutely so. 702-416-6918 or cbohm at jfkfinancialcom.

Speaker 2: 30:50

Okay, and I'm Trish Williams. You can reach me at 702-308-2878. And together we can get you on this plan and towards your goals, and I hope you enjoyed the show and we will see you guys next week.

Speaker 1: 31:14

Thank you.