VA Loan Facts and Mythbusters

Get ready for an engaging discussion on the latest happenings in Las Vegas real estate! Our hosts, Trish Williams and Courtney Bohm, dive into the current state of the housing market in the Entertainment Capital of the World. From analyzing the statistics of single-family homes and condominiums to discussing the growing presence of VA loans, our hosts offer invaluable insights that can help buyers and investors alike.

Whether you're already a part of the Vegas community or are considering making the move, this episode is packed with information on market trends, price shifts, and new developments that could shape the future of real estate in this area. Not only do we break down the latest market numbers, but we also explore the controversial new housing projects that have sparked community debate, shedding light on the importance of understanding local sentiments as a potential homebuyer.

Additionally, we offer a thorough examination of VA loans, discussing eligibility requirements and the unique benefits that come with them. Did you know VA loans do not require a down payment? We clarify this and other myths surrounding VA financing to help veterans and military members make informed decisions.

Join us as we unpack the complexities of the Las Vegas real estate market and empower you with the knowledge you need to navigate it successfully. This episode is more than just statistics; it's about ensuring you're fully prepared to make the best decisions for your realty journey. Don’t miss out on this opportunity to gain expertise that could greatly impact your real estate endeavors in Las Vegas. And remember, if you have any questions or feedback, we would love to hear from you! Please consider subscribing, sharing, and leaving a review to help support our show.

Chapters

• 0:46 Welcome to Vegas Realty
• 5:33 Latest Market Trends and Insights
• 39:39 Market Numbers Breakdown
• 42:08 Controversial New Developments
• 55:45 Understanding VA Loans
• 3:00:08 Moving to a New Network

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.

Speaker 2: 0:26

Hey, las Vegas. Thanks for joining us back here on Vegas Realty Check Local Las Vegas real estate news. And I'm Trish Williams and I'm Courtney Bone. Yes, today we have a great show for you. We're going to obviously unpack some market numbers. We have some spikes in market activity, which is looking great for the season, and we're going to talk a lot about VA loans. Today, that's the Veterans Administration VA loan. We're going to get into those and lots of details on that, so stay tuned as we open up here.

Speaker 3: 1:03

Absolutely so. Market numbers are looking pretty pretty good. Single family homes on the market right now are 5,065. This is down about four. This is down 46 from last week. Okay.

Speaker 2: 1:17

And still, you know, I'd say they're up there as far as the inventory numbers, but they're dropping a little bit. Condos and townhouses $19.59. Those are up $39 from the week before.

Speaker 3: 1:30

And then we have 1,120 new listings on the market, which is 104 more from last week.

Speaker 2: 1:37

Yeah, yeah. So those have spiked a little bit. Lots of price decreases $9.02. So those are up $1, up 127 from last week. So lots of people dropping those prices, adjusting those prices to get with the market times, trying to get their homes sold. Get their homes sold, that's the name of the game right now.

Speaker 3: 1:57

But under contracts are looking great right, yep, we're up 146 from last week. So right now sold or contract are 1,038,. So up 142.

Speaker 2: 2:08

Yep. And then sold are up 146 from last week, which is a big jump at 728. So we're seeing a lot more of those homes getting sold closed out under contract. We're seeing really, really promising numbers there. I think that we're going to end in a strong month as February comes to a wrap. Before we get into loan programs which you have a loan program to talk about today but before we get into that, there was one news article that I seen that I wanted to bring up, super controversial. Oh, we love controversy, right, love it. Yeah. So Review Journal's reporting about this. I'm not sure if you guys are aware of the gosh. I think it's called the old kids, mine or child's mine out towards Lake Las Vegas.

Speaker 3: 2:58

I read something on that.

Speaker 2: 3:00

Yeah, so lots of controversy surrounding this. They're planning on building 3,000 homes. The Review Journal said that they're estimated to be building 3,000 homes in this community. I spoke with a builder. It says they're building 5,000. I don't know how many thousands of homes it is, but it's on some mine that people think is toxic or there's some kind of like bad stuff going on with that mine, or people think that there's bad stuff going on with that mine. I'm sure the builders have had, you know, some type of regulations and diligence involved in that. You can't just, you know, build on stuff, or maybe you can. That was like a landfill, right or no, it wasn't. Maybe it wasn't a landfill of some sort. The reports are saying that it's toxic and you know something, there was some kind of waste happening over there, yeah.

Speaker 3: 3:52

And so it's going to be like a master plan community. It sounds like.

Speaker 2: 3:56

Master plan community. I believe it's going to be called Lake Moore, right across from Lake Las Vegas, and I know Pulte Builders is one of the builders building there. I don't know if there'll be more builders than Pulte, but I did speak with someone at Pulte that was telling me about the community. It's supposed to be a great master plan community and, you know, again, there's all types of disclosures, there's soils reports needed. There's a lot of stuff that goes into building. I'm sure it is, you know they're not. I'm sure the city and the regulations are not going to allow them to just, you know, build some unsafe development. But we will see what happens with that. It's obviously got lots of people talking and lots of controversy surrounding it.

Speaker 3: 4:43

I think that has to do with a lot of you know. Our land is so limited and about 50% right now is new builds.

Speaker 2: 4:51

Yeah, absolutely. So that is something up and coming. I believe they've already started construction or been working on permits. So it is a go. And we will see People are talking. People in the Valley are all over the place with it. Some people. And we will see People are talking. People in the Valley are all over the place with it. Some people want it, Some people don't want it. You know my thoughts on this is if it concerns you, you don't like it, don't buy a home there.

Speaker 3: 5:16

That's it. That's fair. That's fair. Aren't they building a bunch of houses right near the M2, or am I wrong?

Speaker 2: 5:31

Did you hear about that? They're supposed to be doing a big master plan community out there. I guess it's on the side of Inspirata out towards that area. They said that will be the next Summerlin. However, I have heard the next Summerlin is coming so many times.

Speaker 3: 5:38

They're building a casino out right near Inspirata as well. Yeah, like in Inspirata. I think it's part of the stations family.

Speaker 2: 5:47

Yeah, yeah. So there's a lot going on. You know, things are growing and stretching out and we will see when it's built what is the next Summerlin, because every time they build a new master plan community, that's what the builders say. This is going to be just like Summerlin, I feel like Southwest grew a lot.

Speaker 3: 6:04

It that's what the builders say. This is going to be just like Summerlin. I feel like Southwest grew a lot it did In the last like three, four years. It did With all the casino and then you know they have all those what's that little area that has all the shops. Now I can't think of it. Mountain's Edge no, no, no, the one, anyways, yeah.

Speaker 1: 6:21

Yeah.

Speaker 3: 6:21

There's a bunch of stores and things like that right off of the 215.

Speaker 2: 6:25

Oh, yeah, okay.

Speaker 3: 6:26

And shops, restaurants I can't think of the name.

Speaker 2: 6:30

I can't think of the name Either way.

Speaker 3: 6:30

I think we're growing period and I think they just need places to build houses, whether it's on some toxic mine or not.

Speaker 2: 6:39

We're growing. Vegas is growing. Moral of the story. Vegas is growing. Moral of the story. Vegas is growing, yes, and we are, yeah, just looking for dirt in every area. I mean, they just built this big master plan out in the northwest DR Horton has a big master plan area.

Speaker 2: 6:57

They're working on there and for so long they couldn't build there because they were digging up woolly mammoths or you know some kind of like dinosaur bones or something, I don't know. It was a preservation, like a preservation area, and they wouldn't allow building until all of these fossils were dug up out of the ground. And then they said it's clear. So then they let them build, so they find what they were looking for. I'm sure they did. They let them build. Did they find what they were looking for? I'm sure they did. I'm sure they did. So it's kind of cool. Yeah, it is. It is kind of cool so.

Speaker 2: 7:33

I mean those houses are built up on top of, you know, dinosaur land. Is that called dinosaur land? I don't know Whatever. Or woolly mammoths, dinosaurs I probably need to go to class for this. I don't know what I'm talking about. It's outside of my area of expertise for sure. Yeah, for sure. So you have a loan program to talk about?

Speaker 3: 7:51

Yeah, but first mortgage rates, oh yeah mortgage rates when are we at? So some good news. We actually are the lowest we've seen since December 10th of last year. So right now, on a 30-year conventional, we're sitting right at 6.7.

Speaker 2: 8:07

Yes, I like that we're below 7%.

Speaker 3: 8:10

Yep, we are, and it's a decent amount lower. So that is really really amazing news and it looks like it's going to hold steady, we hope. And getting closer to the Fed's meeting March 19th, we are seeing this start to come down and on fha, right now we're looking right under six percent, so we're in the high fives wow, I love that, I love the fives, yeah.

Speaker 3: 8:33

so. So super, super exciting. And just to kind of give a comparison, as far as if you were getting like an fha loan for a half a million dollars at three and a half percent down, the difference just between those little rate changes is about two200. So if you were looking at yeah, so if you're looking at, you know, back maybe a month ago, we were right around a national average of six and a half and now we're right in the high five. So you're looking at just right now, just from that change, about $200 a month. Wow. So get in where you fit in If you can qualify, get in there, because FHA at a high five is really great yeah and people have been asking for fives.

Speaker 2: 9:10

They've been wanting the fives. Here we are, guys.

Speaker 1: 9:13

Got the fives.

Speaker 2: 9:14

Absolutely, we're in the fives. Let's get things rolling. Obviously there's factors, credit scores, all the other stuff that applies to that. That's just the national average. But yeah, that's great, that's really great news. So let's get those buyers out there and in contract. And speaking of buyers, what's your loan program?

Speaker 3: 9:35

So today I think we're tying in a bunch of stuff about VA loans and that's kind of the listener question that we're going to go over. So today we're going to talk about VA loans, which these type of loans are going to be geared towards someone active military service who has even part of the reserves or has been in the military, Any active duty service member, veteran and sometimes the spouse of a deceased military veteran.

Speaker 2: 10:04

Oh really, I didn't know that the spouses of deceased military still qualified for VA.

Speaker 3: 10:09

So they do on special occasions. They would have to have been the active member of the military or, if they're retired military, to get those spousal benefits. They would have had to have passed during duty as far as while they were serving or some type of disability that came from while they were serving.

Speaker 2: 10:30

Okay, okay, so there are some caveats to that, but still that's a great option because a VA loan, as many might know, is zero down. Yep yeah, so zero down rates are attractive as compared to a standard conventional loan, so it is a very good program.

Speaker 3: 10:50

They're going to be a little bit lower than an FHA loan, which is awesome, and you can come in with virtually no money down. And what technically considers you to be eligible for VA benefits is someone who is 90 days in active duty during wartime, or 180 days what they call peacetime, which is not active fighting. Also, we can do as long as you've been in the National Guard or Reserves for six years. You also would qualify. Oh, wow, okay. So it doesn't have to just be active exact military or wartime.

Speaker 3: 11:24

And then, as far as debt to income and credit score, they are more lenient. As far as getting a VA loan, okay. So we really look at qualifications but we don't look at exact debt to income or credit is not as big of an issue as far as, like an FHA or conventional Wow, they're a little bit looser on those guidelines. But the great thing is that, based on your eligibility, you can buy a home with virtually nothing down, and then they do typically require you to be in a primary home for at least 12 months. Okay, now if you have more benefits and let's say, you end up moving, you can move out of that after 12 months, so you can get another primary. If you're an active duty and you have to move now to South Carolina or something like that, you can get another home based on your eligibility and how much you qualify for in another primary, because a VA loan is only for primary, you can't use it for secondary or investment properties or anything like that.

Speaker 2: 12:26

Yeah, that makes sense. Now, um, when, when you have a VA loan, my understanding is that the um, the department veteran affairs, or somebody has a certificate of eligibility a issue, um, that is kind of says that you are certified to be eligible for a VA loan or something like that Right? Yes, so we usually to be eligible for a VA loan or something like that right.

Speaker 3: 12:46

Yes, so we usually get what's called a COE or certificate of eligibility, and this will show us how much or what your benefits are, how much you qualify for that. You were an active duty member and everyone qualifies for a little bit different. Usually it's based on how long you were a service member and there's some other factors in that. But I've had people that couldn't find it or didn't, and usually we just have them call the Veterans Affair and they'll help them get that so we can get the loan closed.

Speaker 2: 13:14

Okay, that's great. And also recently, like in recent years, va changed. There's no loan limits.

Speaker 3: 13:22

Right. So no, they've gone up a lot and they're not as strict. It's pretty rare, you see. I mean not that you don't see, but usually an eligibility is only for a certain amount. Okay, so usually they're going to have to come in with a difference if the loan is much higher.

Speaker 2: 13:39

Okay, then their eligibility amount Correct. But, in previous years it was just like FHA and conventional. They have like a max loan for VA, a cap on it, regardless of your eligibility, how high the loan could be, and that was removed. So that is now.

Speaker 3: 13:54

It's just your eligibility amount, not a cap loan amount, and then you can come in with the difference.

Speaker 2: 13:59

Yeah, okay, all right. Well, that's a great benefit too. And speaking of VA loans, andy, who is one of our listeners, sent in a question that he had gotten approved for a VA loan and they are telling him that he's going to need to get a termite inspection on the home that he is purchasing and he wasn't aware that there was termites in Las Vegas and wants to know why he has to do this inspection, which he doesn't have to do the inspection, a termite inspector let's clear that up.

Speaker 2: 14:30

Termite inspector has to do that inspection. So VA loans do have certain requirements? Yes, they do, and a termite inspection, no matter what city or state you're in, is a requirement of a VA loan.

Speaker 3: 14:44

Correct, and so being a termite inspector here is probably one of the best jobs you can get, for the simple fact that we just don't have termites, it would be extremely rare. Yes, but those guidelines are not statewide guidelines. It's a national guideline to be able to get a VA loan.

Speaker 2: 15:04

Yes, and I've spoken with the termite inspection company. When they showed up for their like five minute walkthrough where they're in and out done, it was like easiest a hundred dollars they ever you could possibly ever earn.

Speaker 3: 15:20

So I said it's a great job to have on.

Speaker 1: 15:22

Yes, I'm like, that's all you do there's nothing what's going on here?

Speaker 2: 15:26

But yes, it is very uncommon for termites in the valley here. I asked at one point in time after I seen a couple of these inspections take place. I said is there a such thing as termites in Vegas? Because you guys are in it out in minutes? And he said that it could exist, but it is extremely rare, so it just has to be basically an extreme circumstance for it to exist.

Speaker 3: 15:54

One of the reasons is because I guess termites like moisture so termites they feed off of moisture and we just don't really have that here. We are very dry, yeah, super dry here, and they don't like super hot or super cold weather. So Nevada is ideally just not somewhere that termites are, and also they tend to go with wood structured homes. They love wood, yeah, and a lot of our homes about 50% of them right now are new builds with a bunch of stucco. It's just not a breeding ground for termites in general.

Speaker 2: 16:35

Yeah, and that's good, that's good. So move to Vegas. Yeah, termites will not eat your home up and an average termite inspection usually is around $75, $100. And the buyer doesn't pay that either way.

Speaker 2: 16:48

Yes, the seller. It is a requirement that the buyer does not pay this termite inspection. That's one of the VA guidelines. Seller can pay it, the realtor can pay it, the escrow company, anybody can pay it as long as the buyer doesn't Correct. But when we get into misconceptions there's a lot of misconceptions on VA loans I feel like some of them are likely, maybe were a thing in the past and people don't know that guidelines have changed. Maybe certain things were an issue in the past and that have changed. So I'd like to talk about some of those, because I've ran into a lot of these misconceptions which are simply not true. One of the things that I've heard a lot that is a misconception. So we are fact-checking and debunking VA loans right now. One of the misconceptions is that VA financing is stricter. Their inspections and appraisal are stricter than any other financing type.

Speaker 3: 17:51

So a VA appraisal is a tad bit stricter than a conventional loan due to the fact that the veteran they want to make sure in the Veterans Affairs Department that whoever's moving into the house, if it's someone who's serving in military, that the house that they're moving into is structurally sound, and they do require different inspections. So, yes, the guidelines are a little bit stricter as far as termites. What they're really looking at is is the home structurally sound? Is it safe? They want to make sure, if someone that's served in the military, that they're moving into something that is safe. That's their main goal.

Speaker 3: 18:34

So, like, based on a regular type of loan, they're going to look as far as a VA appraiser and they actually have to have a specific license to do a VA appraisal Correct. It can't just be any appraiser. So what they're going to look for is they're actually looking to make sure that the home has no lead-based paint yes, which on a conventional loan they don't. You know it's not an end-all, be-all Right and then they're also going to look for to make sure the home is structurally sound. They also want to make sure that the attic and the crawl space is clear and vented and that any type of sewage and electrical must be working as well.

Speaker 2: 19:12

Yes, and in VA loans, in a VA loan appraisal, in an appraisal for a VA, a lot of those things are very similar with FHA appraisals as well. Yes, so while they may vary a bit from conventional, they're not very different with FHA appraisals as well. Yes, so while they may vary a bit from conventional, they're not very different from FHA. So I think the misconception that a lot of people have out there is that if they accept a VA buyer, that the appraisal will somehow come in low because it's stricter, and that is not the case. The VA appraiser will review the comparables, just as an FHA or conventional will review comparable sales to determine value. Besides those couple of conditional things that they add to the appraisal, none of that will affect value and they don't automatically come in lower value. So that is a misconception.

Speaker 3: 20:06

And where you're going to see those type of things come into play too is like along, like California, the West coast, where there's a lot of moisture in the perfect weather. You will see issues with termites. Oh yeah, and so in that case, if there is a termite infestation in the wood, then things would have to be fixed before the home can be sold or be under any type of regular loan, just because the home isn't structurally sound. A lot of times if they eat away at the wood, it's going to change the safety of the structure of the home.

Speaker 2: 20:39

Oh, absolutely. So that would be stricter, but that's not an issue that we run across here in Vegas. And then another thing is that a lot of people seem to think that VA appraisals are the same as home inspections. No, so a VA appraiser does not perform a home inspection. As you mentioned earlier, they inspect a couple things while they're there that are things that are based on the home and the structure which obviously affect its material value Absolutely, but they are not performing a home inspector. A home inspector will go through and test AC, water heater, mechanical, take a look at the roof, check the electrical, check the plumbing, all of those things. Those are things that a VA inspector does not do.

Speaker 3: 21:27

Correct. So an appraisal is more so to basically get the value of the home. An inspection is to see if everything's functioning properly. Two completely separate things. Yes.

Speaker 2: 21:40

And the mechanics of the home are not the same thing as the home being structurally sound. Correct, because the home could be structurally sound and there could be some issues. The dishwasher might not work. That doesn't mean that it's not structurally sound, it just means the dishwasher doesn't work. So those are two different things home inspector and appraiser. And if you are getting a VA loan and as even a lot of veterans are a little confused there with that point they say, oh, I don't need a home inspection because I have a VA loan and my appraiser, the appraisal is an inspection or the VA does an inspection, is the words I hear a lot, and I say no, the VA does not do a home inspection, you do need to have a home inspection performed.

Speaker 3: 22:27

What are the percentage of your buyers that don't get an inspection?

Speaker 2: 22:31

It's probably pretty rare, oh gosh it's very rare, like I don't think it's happened in years, and there's only one time actually that I can think of that someone actually waived it and he was a contractor and did his own, so waived a third party inspector from doing it.

Speaker 2: 22:49

But I always highly recommend a home inspection. It is, you know, it's a very important part of the process. It's not the end all be all. They can't, you know, tear down walls. They can't see what is behind walls or under floors or anything like that, but they can give you a good general idea of what the condition and what's going on and look for signs of issues that could be larger than they appear.

Speaker 3: 23:15

And it's important because maybe the AC is working. But sometimes you get an inspector and they say this is absolutely on its last legs. You might have a few months before this whole AC unit goes and I'm sure at that point there's maybe some type of negotiating or things you can.

Speaker 2: 23:32

We had recently a, you know I had a buyer in contract. Ac worked perfectly. The you know the sellers were living there and everything you know was fine. They didn't know there were any issues either. And inspector had went in the attic and the unit in the attic was completely torn apart, like the face was off of it. The electrical was all exposed. I mean it was a fire hazard. It was crazy.

Speaker 2: 23:59

Apparently they had had a service call for the unit, you know, several months before, about six months before, and the service people didn't put it back together after working on it. Well, obviously that who goes in their attic and looks around, you know you expect you hire a contractor. They put everything back together and the unit was still operating. It was just, you know, not the cover wasn't put back on everything. The electrical was exposed. It was a fire hazard. Sellers were actually pretty freaked out about it because they're like, wow, we've been living here for six months and didn't realize that that was happening. So again, it doesn't always mean that the sellers know that there's a problem. They might think everything's fine, but an inspector can uncover something that people don't know about. So very important Inspections are very important. It is also rumored that a veteran is not allowed to pay their own closing cost.

Speaker 3: 24:52

So that is not. That is not the and I've heard that before and I've had veterans say like, oh what? There's a closing cost. There are certain things that are called non-allowables, that they can't pay for, but there are closing costs when you're doing a VA loan that the veteran is typically responsible for. There's things like a funding fee and so sometimes, based on you know where they're at, their eligibility and things like that sometimes we'll even look at and how high their credit is and if they're going to put money down.

Speaker 3: 25:24

I've had times where I've looked at a conventional loan versus a VA loan because the rates at that time were pretty comparable. At a conventional loan versus a VA loan because the rates at that time were pretty comparable a funding fee is going to be an average of 2% to 5% of the loan amount and that is on a VA loan. If the veteran has a Purple Heart or a 10% higher disability rating, which we have to get documentation of, they actually do not have the funding fee. But the funding fee is a good chunk of money that would be part of the closing costs and that can be rolled into the loan or just paid for cash at closing. But certain things are not allowed for veterans to pay or active service members on a VA loan. But there are still some closing costs.

Speaker 2: 26:09

Yes, yes, so it doesn't. There is no rule that says the sellers have to pay a veteran's closing cost and there's no rule that says that the veteran cannot pay their closing cost.

Speaker 3: 26:21

Correct and typically on a VA loan only 4% can actually be seller concessions coming from the seller, so there are actually limits on that as well.

Speaker 2: 26:34

Okay, and so another thing that I have heard as a rumor, which is, I guess, has some truth to it, is that veterans don't have to pay property taxes don't have to pay property taxes, so that's not totally the case.

Speaker 3: 26:57

Some people are exempt from property taxes. Yes, it depends on service eligibility and different things. I have seen it where some people don't. I believe it's a disability thing too. Yes, and that's not everybody.

Speaker 2: 27:07

Yeah, so that's not true. It's not every veteran. I believe that the tax which you can count, you can look at the County website, um, the the assessor's website, and they they talk about different types of um tax programs or um abatement things that are available and um, there is something based on like um eligibility based on disability, correct? So, um, there is, there is something there to it, but that is not a overall blanket thing that applies to all VA loans, because there are property taxes still when you're doing a VA loan, if you do not qualify for the exemption.

Speaker 3: 27:45

Your eligibility and a lot of the benefits are going to come from disability and disability ratings. That's one huge factor. And then also time served that's another large factor.

Speaker 2: 28:03

Yes, yeah. So all of those things are things to look at and review when you are thinking about doing a purchase with a VA loan and when you're working on getting pre-qualified for the VA loan. On getting pre-qualified for the VA loan, now, I believe, another misconception which I'm sure probably is a thorn in your side a lot, a lot of veterans think that and I speak with people all the time they think that if they have a VA loan they have to go through the lending companies. There's a couple of lending companies that have the veterans in their name veterans, you know, veterans this or veterans that and they think those are the only lending companies that do VA loans. And that is not the case. No, yes. So, um, those companies actually, if you look at their disclaimer, or even on their, their their little computer automated system, when you call, says we are not a member of that, we are not part of the Veterans Administration, correct? They're just an affiliate that have veterans in the name, so you guys are able to do VA loans.

Speaker 3: 29:02

We do them all the time. Yes, so a lot of people will go to specific VA banks and things like that to be pre-qualified. Most lenders, especially larger lenders, can absolutely do a VA loan things like that To be pre-qualified. Most lenders, especially larger lenders, can absolutely do a VA loan.

Speaker 2: 29:14

Yes, absolutely, and most lenders have done VA loans and I know your company has, because we've worked on VA loans with your company before. So most lenders can do VA loans and are very versed and knowledgeable on them. If they are, if they're experienced, just like with anything, if you have experience, you have knowledge, you're able to work through these programs. So somebody wants to talk about a VA loan. How do they reach?

Speaker 3: 29:42

you. You can call me at 702-416-6918 or shoot me over a text.

Speaker 2: 29:48

Okay, and if you guys want to reach me um and look for a home or sell a home, I can be reached at 7 0, 2, 3 0, 8, 2, 8, 7, 8. Um, do you want to give our listeners um an update? We are uh, we mentioned this last week we are moving to a network, um it. So we're moving to a network. It is called hey Vegas TV. Hey Vegas TV is a local Vegas network that is put out worldwide but it talks about everything Vegas. It has entertainment channels, business channels.

Speaker 2: 30:26

Obviously, our show is going to be moving to the business section of the network, so we are excited about that. But the places to tune in to us are going to be moving. A link for our new website will be on the art and our new website, our new place where you can find our show, will be on our link tree. That is not going away and that is wwwrealtycheckvegas. You can find us there. You can find our new location there. I have been loving your guys' feedback on YouTube and everything. You will see maybe some clips from our show on there, but you won't be able to view our full show on YouTube or social media anymore unless you go through hey Vegas. So we will be seeing you guys there, and we do want to give a big thank you to our marketing partner, chicago Title. Yeah, have a good one, thank you.