The Smart Homebuying Podcast with Laura Moreno

Introduction

Randy Baruh is a real estate agent in New York City with over 22 years of experience. He enjoys a proven record of sales success and lasting relationships with the people he has helped over the course of his career. Whether they are looking to buy, sell, rent, or invest Randy's attention to detail and dedication to his client's needs have enabled him to consistently exceed their expectations. Randy enjoys exploring NYC restaurants, museums, and parks with his family, and is a member of Corcoran Cares, and the Real Estate Board of New York.

Get In Touch With Our Guest, Randy Baruh

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Transcript

(Automatically generated, sorry for the typos! 😅)

Laura Moreno: First, I'm home by nation. I am Laura A. Moreno, and I am super excited to bring you our fantastic guest today, Randy Baruh. Randy is a real estate agent in New York City. With over 22 years of experience, he enjoys a proven record of.

Sales success and lasting relationships with the people he has help over the course of his career. Whether they're looking to buy, sell, rent, or invest, Randy's attention to detail and dedication to his clients' need. Needs have enabled him to consistently exceed their expectations. Randy also enjoys exploring New York City restaurants, museums, and parks with its family, and is a member of the Koran Curse and the Real Estate Board of New York.

Randy, are you ready to Flow?

Randy Baruh: I am ready to flow.

Laura Moreno: Yes. Great. So I've given our community just a little insight. Please share more about you personally and then expand upon your business.

Randy Baruh: Absolutely. Well, thank you so much for having me. I'm so excited to be here on your podcast. Um, I, as you said, I've been in New York for [00:01:00] 22 years.

I work at Corcoran and I work all over Manhattan and Brooklyn. I've bought, sold, invested, rented properties for my clients in every area that I've lived, uh, in New York since 1996. Um, that's when I moved to New York. I've been selling real estate for most of my time in New York City. I got my license in 2000, and we work all over Manhattan and all over Brooklyn.

I live in Brooklyn. Uh, we work with buyers, sellers, renters, investors. We work with, uh, townhouses, condos, and co-ops, as well as multi-family rental properties. I have a team here at Corcoran. It's myself. I have an operations manager. And, uh, an associate agent, and we're based in the soho office. So it's nice to have a footprint in the both Manhattan and the Brooklyn markets, uh, in order to serve the widest variety of clients, uh, and help as many people as possible, you know, live that New York dream of owning a piece of property here in the city.

That's

Laura Moreno: [00:02:00] awesome. I love actually your Instagram account. You are so much fun, . You have so much fun showing homes and letting us see those beautiful properties, so thank you for

Randy Baruh: that. Thank you, thank you. I'm so enthusiastic. Uh, I love my job and I love the city and you know, I feel like I'm an advocate, an ambassador for New York City.

I mean, people ask why it's still expensive here in the city. You know, you only. This little box and, and why does one little box cost a million dollars? But you're not really paying just for the box. I mean, you're living near some of the best museums, the best parks, the most interesting people. There's so many industries that are centered here in New York City, and so it's really, your home isn't just the four walls and the floor that you're living in your home is also the park across the street.

Your home is the bodega on the corner, the. All of this incredible infrastructure and [00:03:00] shopping and restaurants and people that we, that we have in this incredible town. So it's really important for me to highlight, uh, the things that make New York great, the restaurants, the culture, um, and, uh, and so I'm really excited and I love promoting the city and, and sharing it with, uh, with all of our followers across the world.

Laura Moreno: That's awesome. That's awesome. So what made you become a real estate agent? Why did you do this to yourself? It's actually a great career, but why do you do this to yourself? Yeah, it's

a

Randy Baruh: great career. It is. And you know, to be honest, when I moved to New York, I moved here in 1996 after getting a masters' of fine Arts degree from a program between Carnegie Mellon University and the Moscow Art Theater School in Russia.

And I spent six months in Moscow and then we moved to New York. We all auditioned. I was an actor. I immediately decided that I wanted to become a director, and so I started directing plays in 1996, and I was working for different theater producers on Broadway, and [00:04:00] in the year, I would say 1999 ish, 2000, I won a big directing award.

And so, I was working for some Broadway producers at the time, and they said, Hey, you know, it's better that you go out and do this directing full time and not have this administrative job working for us. You should, you know, be promoting yourself and following your path and, and creating your art, which was an incredible gift.

I've always loved real estate and I've always loved New York, and I'm the type of person. Likes a flexible schedule. Likes to be my own boss, to create my own destiny, create my own path. And so myself and some other actors that I had a theater company with at the time, one of them has gone on to win Tony Awards and you know, Emmy Awards, some of them have won Academy Awards.

Um, You know, Grammys, things like that. Um, and so we started out in real estate [00:05:00] as my day job, and then I was directing plays full time. And during the dips when I wasn't directing, I would put full force into real estate. And so after a few years I was. I was just kind of tired of living in a tiny apartment in a sleeping bag and not being able to really afford to enjoy my life.

It was like my work was my life. Now, in real estate, your work is also your life. It's a lifestyle. It's not necessarily just a job. But I, I just loved all the different people that I was meeting, and I loved all of the amazing properties and neighborhoods that I was exploring. It was almost like going on a treasure hunt every day and every day was different.

So over the course of a few years, it just organically became my time thing. I, uh, actually directed a really big off-Broadway. With an actor, this actor Dan Fogler, who's in all of the, um, [00:06:00] Forbidden, Uh, he, he's in a lot of the, um, the new Harry Potter films. Um, and he was on a show, the offer I worked, uh, uh, there was another, a couple other actors in it.

One of them is a big writer on the show, Dead to me on Netflix. Another one was another actor who does a lot of television and film, and so it was a big project. I decided to take a year off of the directing and go full time into real estate to just make some money and, uh, I kind of never, never looked back.

And so one of the beauties of it is I've been able to maintain all of my contacts from the entertainment world, and that's a big chunk of my business. I work with a lot of different actors, director. You know, we were speaking earlier, we both live in Brooklyn and, and I, you know, help a lot of these.

Everybody wants to live in Brooklyn now. Matt Damon lives in Brooklyn Heights. John Christ Sinski lives in Brooklyn Heights. I helped Joaquin Phoenix find a place in Brooklyn Heights once, and, you know, they all wanna live there. And so I've been able to [00:07:00] continue working with artists, but in a little bit of a different way and use a lot of my communication skills and creativity in order to help my buyers and sellers.

Um, in a, in a fun way. So whenever I'm working on a sale, for example, I, I sold this house. It was a 10 million house in Boham Hill, uh, 6,000 square feet with a two car garage. I worked on it from concept to completion, and we launched in April of 2021. And I got a Broadway choreographer, uh, to help me make this musical video.

And it's called Bon, my three 11 State Street. And that one, uh, uh, video award, the New York Real Estate Video Awards, which is actually a thing. And it won best independent production. And it's basically me dancing through this. But, so you guys could check it out on my YouTube channel. Just look up YouTube, Brandy Baru, and the name of the video is Three on My Toes at three 11 State Street.

It's had over 30,000 views and it's, it's very joyous and [00:08:00] joyful. So I put a lot of that creativity because I'm a creative person into the way that I market properties, into the way that I work with people. And I think it gives me a little bit of an edge to think outside the box. Come up with, you know, creative ways to solve problems.

Laura Moreno: You are so interesting

Randy Baruh: because long story short

Laura Moreno: Yeah, yeah. You're so interesting because you, uh, you actually started with, uh, you know, being a director and, and you're transitioning to real estate and I, you, you actually brought all those skills of directing into listing properties and coming up with creative ways of, of helping your clients, which is so.

Randy Baruh: Absolutely. And you know, everything is, I, I've, I've been able to take these skills really, and I'm, I'm very fortunate to be able to have had that training because I really believe it helps a lot, even when we're working with buyers. The, the art of communication, of painting a picture, of asking questions, of [00:09:00] understanding people's needs on an emotional level because no one buys a house just for the numbers unless they're looking for an investment.

And then it's all about the numbers. But if you're looking for a place to live, it's, it's a feeling that you get when you walk in a place. It's painting a picture. It's imagin. So at the kitchen table in the morning, fixing your smoothie or drinking a cup of tea or coffee, whatever beverage you enjoy, and sitting down and having that feeling of home, right?

And so my skills in the arts, in theater, Directing, Creating a set, creating a scene, understanding people's motivations and asking questions to really get to the nugget of the problem, to really understand someone's motivations and needs and what will help make their lives better. That intuitive feeling, that training to understand someone's mindset and build that rapport has been an invaluable part of.[00:10:00]

Um, career. Uh, and I think it's one thing that connects me with my clients in a, in an organic, uh, in a meaningful way. Yeah. Oh, I

Laura Moreno: have a question for you. So these famous clients, you know, artists, actors, directors, the people that we see in the movies, like. Do we, Do they have the same feelings that we, the rest of humanity go through and we buy a of course home or sell a percent?

Absolutely. Or that, Do they keep it up and be like, No, I own this, I have got this. Does anyone cry like ?

Randy Baruh: Um, oh, you know, definitely. First of all, nobody ever says that buying or sell in a home. Or renting a home or finding someone to rent your home. Look, the process is very emotional and very difficult, and so my job is to make it as easy as possible and take all that heavy lifting and, and take all those emotions like a.

Sponge and then transform it to calm happiness, you know? And so no matter who they are, whether [00:11:00] they're in a, you know, uh, uh, someone who is getting their first home, that's starting out in life and it's an inexpensive property, those stakes are even higher. It's even more important to them. But at the same.

You know, I've worked with a, a couple in, um, I worked with this one guy who was an actor who was shooting a show in Canada, and my team, who was looking for a place in Manhattan and very well known actor on a big show, been in the business for 40 years. And we were just running all over town for him doing FaceTime showings.

I showed him 95 apartments before he found one, and, and that was like Manhattan. And he really wanted to be in Manhattan. He grew up in Manhattan and he has the same fears, concerns, and needs as as anybody else. Then there's another couple that I helped by their first home when they became a couple together in Brooklyn, and now I just helped them buy their second house in Brooklyn.

And they're very well known. [00:12:00] Husband and wife, both big movies and big television show careers. But you know what, they're just like any other mom and dad with two, you know, two kids trying to figure out what the heck they're gonna school they're gonna send them to, you know what's going on. You know, getting them into the right art classes or TaeKwonDo classes or whatever.

I mean, at the end of the day, if you're moving to New York, I think you're moving I, I, I personally, because I am a New Yorker and I love this town, it's, it's real, it's, it's, it's, I don't wanna say gritty, but it's, it's just real life. Like they get away from the glitz in the glam of California. And I'm from California and I grew up in Northern California.

I lived in Southern California. I haven't lived there in many, many years. I've been in New York since 1996, but I think these, these quote unquote celebr. They want, they don't want to stand out in a crowd. They, they want to, they wanna live the regular old New York City lifestyle and go to [00:13:00] the museums and see the movies and play in the park with their dog and their kids just like everybody else.

And the beauty of this, of, of, of this city is that we don't really give a shit about who anybody is. They could be the fanciest person in the world. It's like, whatever. We're taking the subway. We're hanging out in the park, we're getting an ice cream at the ice cream stand. And and that's what, That's what everybody wants, right?

And so even if I'm working with some hedge fund finance person, Person still, our kids are playing in the park together. They're going to the same little, you know, preschool science classes or, or we're all dealing with where the hell we're gonna send our kids to middle school and, and things like that.

But I

Laura Moreno: lo I love that about New York. I love that you can go into sneakers to a museum or to another gallery and be a poor person or not, or like a rich person and you're dressed the same and you kind of really know what, what's in every anyone's account. It's, uh, it's

Randy Baruh: so, No, and you can never judge a book by its cover.

That's what I tell everybody. Just never judge a book by its [00:14:00] cover because someone who looks super fancy, they may be spending their entire paycheck on their clothes or their watch, or whatever their ACC Ctra months are, and someone who looks like, you know, Wearing sweats and no makeup and walking around with their dogs.

They could be like an Oscar winning actor, actress, or something like that, you know? So never judge a book by its cover. I was just, I just visited. I do these great neighborhood tours. It's one of my favorite things that I get to do. Oh, tell me more about that. So, yeah, so I tour different neighborhoods and I'll shoot.

For a day in uptown, downtown, like we did the West Village. We've done Dumbo, I've done Brooklyn Heights, I've done Tribeca, I've done Upper West Side, the Upper East Side. Um, And so we just recently did one in Chelsea. So the whole video will be on my YouTube and it's about five to seven minutes long. And I highlight certain spots in, in these neighborhoods.

Again, because I'm a local expert, like my job is to know where the museums, where that amazing restaurant is, where that [00:15:00] pizza place is. That might not be in the books, but you know, you gotta, you got, you got the Randy recommendation for pizza or burgers or tacos or whatever it is. Um, and so we were.

Chelsea, we shot at the Highline, We shot at Little Island. We shot at, um, this Starbucks Roastery Reserve Roastery, which is the craziest Starbucks if you've never been there. It's across from Chelsea Market where we also shot. And this Starbucks is like unbelievable. It's crazy. I've never seen a Starbucks like it.

They're opening a couple more I think. And then we, we shot, um, and so we, we went to the Whitney Museum. And so it's one five to seven minute log video, but, but it's also broken into five to seven one minute videos and each little video. Is a different location. So the locations get to go up on my social media and the video itself goes on YouTube.

And so one of the things that we shot was in a Whitney and we got to go and check out the Edward Hopper exhibit, which I recommends to [00:16:00] anybody to check it out. And you get to see like, I didn't think that there were too many tourists in, in this checking out this exhibit. It was just a cross section of New Yorkers from art students to seniors to older, older couples who've lived in the city their entire lives, and everybody in between.

Rich, poor, whoever, you know, we're in the most cosmopolitan city in the world, and you, you see them all at like a cultural. Yeah. Um, vast destination like the Whitney. And the other thing is it's Edward Hoppers New York. So he was a New York artist, a modern artist, you know, painting in the early 19 hundreds, 1920s, and painting New Yorkers and painting just average New York like he would.

Look in windows, and so you'd see a window within the people living inside the apartment doing mundane tasks, whether it's changing their clothes or cooking or having a conversation. And it's really a window into New York. And [00:17:00] so I, I need to check it out for sure. Amazing. You've gotta check it out. Yeah.

So. That's one of the fun things that we get to do are these neighborhood tours and, uh, that's a lot of fun. I think this next one's gonna be great. Yeah. So,

Laura Moreno: Randy, I have a quick question for you. Do you, um, only work with, uh, famous, uh, clients, or do you accept any, Like if I am, uh, looking for in the studio in New York and I have a lower budget, Will you say, Nope, go to another one?

Or do you

Randy Baruh: take everyone? We take everybody. We take everybody abs. Of course we do. We take everybody I've, I will sell a $300,000 studio up on 130 eighth Street or rent an apartment on 150 third Street for $1,700 a month. And with the exact same effort, passion, and enthusiasm that I'm working on a $20,000 a.

Townhouse rental or a $20 million property sale. You know, uh, honestly, we wanna help everybody. We love helping everybody, and we're actively working with [00:18:00] everybody. Like that's the thing. If you could see, if you could go on my [email protected], um, you'll see. Every, every kind of listing for every kind of buyer in every kind of price point.

And everyone gets a thousand percent of effort from us. And that's why I have a team, because we don't wanna, we want to work with everybody. You know? I want to grow and, um, and, you know, offer assistance and advice to, to as many people as possible. I just love this town and I love what I do, and, and I care about the people that I work with and.

You know, ultimately, you know, if you need anything. No, no. Nothing's too small. Nothing's too big. You know, we're here to offer advice

Laura Moreno: and help. That's awesome. I love that. Now, let's take a quick second to thank our sponsors.

Welcome back, Randy. Now I, I'm going to ask you a series of share questions to help our audience a little bit more. Are you ready? Okay, great. I'm. Great. Please share with us your [00:19:00] biggest piece of advice you can give to someone trying to buy their first home in New York now.

Randy Baruh: The most important piece of advice I can get give to you is number one, you want to speak to a lender, you want to talk to a mortgage broker.

Usually when we work with first home home buyers, we ask them, Do you have a pre-approval? If they don't, we recommend. Three to five banks and lenders to them to get that pre-approval. We can't put in an offer on, on a home without having that pre-approval letter. And it could be a pre-qualification letter as well, which usually takes about 24 hours to get.

Um, even now there is such limited inventory. When you find that great apartment, there might be multiple offers on it. You know, forget about what you're hearing. You know, in all of the news, the fact of the matter is, is inventory has gone down and there's not as many great homes on the market, and so there's more competition for what's left.

That said, prices have also begun to co have, have also [00:20:00] begun to come down to like pre pandemic levels, so we're not in the 2021 crazy skyrocketing prices that we were, that we saw that was this crazy. We're back to the 20 18, 20 19 pre pandemic and pricing levels. And so, you know, we wanna make sure that when you find that perfect property, number one, you, you know how much you can afford, right?

Sometimes people, they think they can afford more than they actually can, or less than naturally can. And that gives us the ability to figure out what, what's your monthly outgoings? What are your monthly care and costs? What are you comfortable with? Um, and when we find that perfect home, we already have the pre-approval letter ready to.

To submit with the offer cuz it's a requirement to submit that with the offer. We also have a basic, very basic financial statement that we ask a buyer to fill out. Um, again, we need that to submit with the preapproval letter. So those are two documents that are required to submit a professional offer and that's what the [00:21:00] first thing that we need to make sure that our buyer.

And we wanna make that preapproval letter no more than three months old. So if it's been longer than three months, we ask that you can get a new one because again, we don't want to be we, we want you to get that perfect property when you see it. We wanna make sure that our clients are successful every single time, and so we want them to be prepared and we help prepare them.

Laura Moreno: Got it. What have you seen in the market? Because again, you were telling me that pre, we bought this apartment in 2017 and mm-hmm. , we thought it was a hot market then 2018, sorry. And we thought it was very hot then, because there were multiple offers. We were like, Okay, this is New York. But for me, living in Brooklyn and New York, I haven't seen any changes in the market because it's always been really hard to find homes where I live.

Yeah. Like do you also see the same, Is it specifically in

Randy Baruh: this. A hundred percent. It's extremely difficult in that area. Where you're living is like, I call it like a bulletproof location. It's never gone down. [00:22:00] I, like I said, I've been doing real estate for 22 years. I've lived where you are in, in that general vicinity for 10 years and.

Even in 2020, in July of 2020 when the real estate market was closed, we weren't allowed in many, many buildings. Didn't even allow us to show properties cause they didn't wanna bring strangers in their building. So we still, I, I sold a townhouse on State Street in Bo Hill and in July of 2020, the middle of the.

I was not even on site. We did it on, um, FaceTime. Um, we got four offers on that house. Wow. So we, we were, our Brooklyn clients were still very successful and very busy, even in 2020. So that market has not slowed down. But New York City is really not one market. It's a, it's a cluster of micro markets. And, and so Carol Gardens, Brooklyn Heights, Cobble Hill, Boham.

It's like one [00:23:00] little world. I mean, Brooklyn Heights is vastly different than Carol Gardens. Boham Hill is different than Cobble Hill. That little area is very different than the West Village in Tribeca. Upper West Side, Upper East Side, totally different. So the market could go down on the Upper East Side, but up in the West Village, it just really, every neighborhood is completely different.

But, but Brooklyn, Has never seen a lull. Um, you know, and, uh, and so buyers really need to be extra prepared.

Laura Moreno: For someone that is asking, it's like, I love that concept of bulletproof, bulletproof location. How do you find one, if you're anywhere in the country? I mean, what are the characteristics of a bulletproof

Randy Baruh: location?

Yeah. You know, I don't know. I, I've only done real estate in New York City, but even, even my colleagues who. I, I, I have a, uh, I, I get business coaching. I'm a client of a business coaching, a real estate business coaching [00:24:00] company, um, owned by this guy named Tom Ferry, who's this genius, uh, guru for real estate agents, Tom Ferry.

You could find him on YouTube and see all of his videos. If you're real estate agents who are listening, I'm gonna give a shout out to Tom Ferry. Um, and so I know, I know agents all over the country through this national. Company. And so even in San Francisco where you think this.com money is pouring in.

I think things have really slowed down there, so I can't really, I'm not educated enough to really speculate on fully on other areas outside of New York City, but I can say Brooklyn for the most part. Park Slope, Prospect Heights, Bo Hill, Cobble Hill, Carol Gardens, Brooklyn Heights, Dumbo, You know, some of these neighborhoods in.

I have not seen the market really dip. I don't, I I have also seen a, uh, uh, a drop in inventory, which has also led to [00:25:00] spices remaining very, very strong. But I haven't really seen it go down. I can say like the upper West side that's that's gone down Upper East Side has gone down. But it also depends on the type of property as well.

You know, properties between one and $3 million are still really, really strong properties, over $5 million, you know, depending on the location. Maybe you're not a, a lot of those guys are kind of taking a wait and see a approach. Some of the sellers, some of the buyers. The other thing is, is because they're such low inventory sellers are thinking to themselves, Okay, if I do sell my property, where am I gonna go?

What am I gonna do? You know, because there's such little inventory and so, It's tough. It's tough, you know, it depend. The, the, the best advice that I can give to buyers and sellers in, in, in a complicated market is do what you need to do when you need to do it. And don't [00:26:00] try to, no one has a crystal ball.

Don't try to. Speculate, if you need to get a bigger apartment because you're having another child, well, you're gonna be miserable in your one bedroom with two kids. Um, you know, you might be you or if you're, if you're ready to downsize and now you have this big apartment and you're thinking, Oh, maybe I'll wait till next year to sell.

I don't know what's gonna happen next year. And nobody does because nobody has a crystal ball. One thing that we do know, because we're being told. Is interest rates are gonna go up. So if interest rates go up and less, even more, yeah, they're definitely gonna go up. And if they do and, and when they go up, there might be more people who, who aren't super committed to buying or selling that stay on the sidelines.

Well, what's that gonna do to the rental market? It's only gonna push the rental prices up more and more because people aren't buying or selling, they're gonna just. And so it's, um, we're seeing this kind of [00:27:00] trifecta here. So ultimately, you know, my, my best advice is, you know, don't worry about it. Do what you need to do when you need to do it.

You get married to the price. So if, if your home price comes down a little bit, that's the price that you're buying at interest rates are probably gonna go up a little bit more, and then they're gonna kind of come down a little bit more and you can always refinance in a year or two and get a better.

But you, But the, but the price that you buy the home for is the price that you buy the home for. And it's better to buy when the prices are low than when the prices are high.

Laura Moreno: So is it a good time to buy a home in New York now? I mean, based on interest rates are up, home, prices maybe up and down or same, but do you think it's like a time to buy or are those people waiting on the sidelines being, um

Randy Baruh: Right.

Well, I would rather buy with a lower interest rate before they go up at. So if you have to buy, if you're, if like, why would you wanna keep on paying off your landlord's mortgage if you're [00:28:00] renting? You know, right now the stock market's up. The stock market's down, you know, But one thing that you know for, so.

Certain is that home prices in New York City over a 10 year period average about a 7% appreciation. So most people, when they buy a one to three bedroom condo or co-op, that's usually about a five to seven year lifespan. Um, if you're buying a two bedroom, Maybe in five to seven years, you're gonna need a three bedroom.

If you buy a three bedroom, maybe in five to seven years, you need a four bedroom, or you need to go back to a two bedroom. So ultimately, you know, it's up to the, the, the individual, what's gonna help them help improve their life. But I can say with certainty, because rents are so high, It makes zero sense.

If you're renting a one bedroom apartment, even in your neighborhood, they're averaging about $5,000 a month and you're giving, That's crazy. Crazy. If you're giving [00:29:00] $60,000 a year to your landlord, right, In two years, that's $120,000 after taxes. Like clean money. Yeah. Right. In three years, that's 180, you know, $180,000.

That is now your down payment for a home of your own gone. Um, and so I always think. It's a no brainer to own a piece of New York City real estate because you know, everybody that was so fast to write New York off in 2020 didn't happen. Not happening, never gonna happen. Um, New York City, you know, we have all so many universities here.

People send their kids to college here from all over the world. We have, we have, it's the center of finance in this country and in most of the world we have with the Wall Street and all of the funds and, uh, you know, law firms, it's the center of culture. We have technology, we have it all. So New York City's not going anywhere.

And if you have the [00:30:00] money, I always think it's a good time to buy in New York City. It's better than renting. That's for.

Laura Moreno: I agree. Well, Randy, you've shared with us amazing information today. What can we do for you? I mean, our audience? Is there anything you we can help you with?

Randy Baruh: Well, I'm always looking to help more people.

So what can I do for you? What can I do for your audience? You know, my, my job is to help as many people live their dream in New York City as possible. So if anybody in this audience. Has a friend or family member that is looking to buy, sell, rent, or invest in New York, or you're looking to buy, sell, rent, or invest in New York yourself.

Please, you know, reach out. I would love to answer any questions, offer assistance, even if they're not looking right now, they're looking in a year from now. Don't worry about it. I'm here for you. Um, if you are looking to get entertained and wanna have a smile on your face, Please follow my Instagram account and my YouTube account.

I'm also on TikTok at Randy Baru and we make fun [00:31:00] irreverent videos about New York and and real estate. And I would love it if you followed me again, I want to help you. I wanna put a smile on your face and so, It's not about what you could do for me, it's about what I can give back and what I can give for you guys.

Laura Moreno: So, well, Rhonda, you have such an amazing, positive, um, attitude and you know, I'm just smiling while you're talking. It's like really? Oh, thank you. A blessing .

Randy Baruh: Me too, me too. I'm so grateful for you to call me up and, and arrange this. I'm, I'm extremely, uh, grateful and, and you've been wonderful. So,

Laura Moreno: Well, thank you so much again for being in the first Time Home Buyer podcast.

We really, really, really appreciate this and you, so thank you so much. Really

Randy Baruh: well, likewise. Thank you. Have a great afternoon.

Introduction

Nirit Rubenstein is CEO of Dovly - the first, fully automated, smart credit engine. Nirit is passionate about helping Americans maximize their credit and reach their financial goals. Outside of work, Nirit enjoys exploring the hiking trails and other natural wonders of her adopted home in Arizona.

Get In Touch With Our Guest, Nirit Rubenstein

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Transcript

Laura Moreno: [00:00:00] First Time Home Buyer Nation, I am Laura Moreno and I am super excited to bring you our fantastic guest today Nirit rubenstein needed is the CEO of Dovly. The first fully automated smart credit engine. Nirit is passionate about helping Americans maximize their credit and reach their financial goals.

Outside of work Nirit, enjoys exploring the hiking trails and other natural wonders of her adopted home in Califor in Arizona. I dunno why I thought you were in California. Why not? It's where I can came from. Are you ready to flow?

Nirit Rubenstein: I'm ready to flow. Let's go. Great.

Laura Moreno: So I've given our community just a little insight.

Please share more about you personally and then expand upon

your business.

Sure. So I am the co-founder and CEO of Doley. Uh, I'm also a wife and mother of three kids and proud homeowner of my adopted hometown of Phoenix, Arizona. I immigrated to the US as a young girl and witnessed firsthand how hard it was for [00:01:00] my family to get started in this country without access to credit.

So super passionate and, and excited to be here. I know owning a home is kind of the American dream. Uh, I, I love it when we're able to help people, uh, achieve that dream.

That's awesome. I mean, uh, first time I went into Dole's website, I was like, Wow, this is so cool. Tell me more about Dole. What do you guys do and what is the original story?

I mean, why do you come up with that idea?

Nirit Rubenstein: So it's in, So Doley is the fully automated credit platform that helps people track, manage, fix their credits. So regardless of where you are in your credit journey, we want there to be an easy way for you to get to where you're trying to go, because the reality is that there's nothing in America that will impact your financial ability more than your credit score.

But at the same time, it's a complete black box. [00:02:00] Very hard to navigate. It's counterintuitive. It's very punitive. Uh, so the first idea for Doley originated actually when I met my co-founder for the very first time. And we were having lunch and I was the CEO of, of this credit, uh, uh, repair company, and I met him for lunch and I was like, Oh my God, this guy is so brilliant.

He knows everything that you need to know about the consumer credit space. I have to get his brain into technology. There has to be a better way to deliver. This amazing service to customers and, and that was the very first concept. It took us a while to kind of start the company and, and develop the platform and the algorithm.

Um, but really what we try to do is provide access to Americans that either have been hurt by this, by the credit system, didn't understand the credit, uh, don't understand kind of how to navigate it, uh, to help them achieve their financial. That I,

Laura Moreno: [00:03:00] And what you're saying, this a story, I mean, it re resonates so much with someone that I, I met, uh, this girl, I always looked up to her.

She was just buying her first home. She had everything all together, you know, So, and then when we were talking about buying her first home, she said, You know, I haven't been doing it, although I have the savings and so on because of these credit card from Macy's that I. 10 years ago, and I forgot to make a $50 payment.

Mm-hmm. , I'm screwed for the rest, for the rest of my life. Right. And I was like, really? Like she, she had everything, the job, the money, everything. But there was this Macy credit card. Uh, tell me more about that. Like is there a way of fixing that or you're in the whole time.

Nirit Rubenstein: No, you're, you're definitely not in the hole forever.

But they don't, the credit bureaus don't make it easy to fix. Uh, and so you can easily get caught in the loophole of the credit bureau saying it belongs to the creditor. The creditor saying it belongs to the credit bureau. And then you get stuck in this kind [00:04:00] of never ending circle of. Not getting answers.

That's part of what we, uh, why we founded Doley. We navigate that entire process for you. So when you enroll in Doley, we soft clear credit and we. Show you the items that are hurting your credit score, and you tell us which ones you want us to dispute. And then we've developed an algorithm that will determine what to dispute, when to dispute, how to dispute the right frequency cadence, and then we electronically communicate with the credit bureaus on your behalf.

And so our, our turnaround rate is, is fairly quickly even though the. In by law I have 45 days. We typically see results for people within a couple weeks, uh, and usually within just a few months of being on our platform, people see their score improved by over 50 points. So, You're definitely not screwed forever.

Uh, there, there is a way to fix it, but it can [00:05:00] be a very frustrating way, and that's part of the problem with the system, right? You have college students, you have people going off to college that were never taught about credit. All of a sudden, all these credit card companies are trying to get them, Do you wanna open a new account?

Do you wanna open a new account? Get this incentive, this bonus, this. They open the accounts. They don't realize. Importance of, of the accounts. They forget to set it up on auto pay. They accidentally miss the payment, and then it's on their account. Then 10 years later, seven years later, they go to buy a house cuz they're married, they're making money, and, and they, they can't because they have bad credit.

And so the irony is, even if you have cash in the bank, if you want a mortgage, you need good credit. So in some way, like we have an investor who has. A lot of money and couldn't get a mortgage because he had bad. Even though he has like millions of dollars fitting in the bank,

Laura Moreno: were you able to fix their [00:06:00] credit for them?

We were, we were that. Okay. So tell me more about, uh, the industry, because whenever I'm thinking about about credit repair, I'm thinking about imagining this Facebook groups, these places where they just sell you, you know, this person that is going to help you fix your credit for a hundred dollars a month forever, like, There's a, I think this industry has attracted a lot of people that are looking for cash that may not be the best professionals, and I don't want to generalize for everyone.

Nirit Rubenstein: No, you can easily generalize. It's a, it's a horrible industry with a lot of bad actors that, that really take advantage of consumers that are already kind of, you know, not doing well. That's again, another reason why we founded Doley and, and our mission at Doley has always been to be consumer first. The.

The problem with credit repair, and this is why we're not credit repair, [00:07:00] we're really a credit solution to fix all your, to help you with all your credit needs. But the primary issue with credit repair is that if you do it on a regional scale, there's very low barriers to entry. In other words, anybody can set up a credit repair shop right now, charge a ton of money, and, and they'll go under the radar of regulations when you do it on a nation.

Scale, it becomes a, the bears to entry are, are much, much harder. And so there's fewer companies that do it nationwide. They're all call center based, which means they buy millions of leads. They pu put 'em in a dialer. You've got call center reps that have no business giving you credit advice. They're, they were selling like widgets the day before and they're the ones that are on the phone with you trying to sell you this ridiculous hundred.

Dollars a month's plan. And so for us with Doley, we wanted a, we always wanted a solution that was gonna be very cost effective. We [00:08:00] started our, when we very first started, we were. A third of what anyone else was charging in the marketplace. We've been gradually reducing our prices and we now are, I'm happy to say, have a free offering for people who just can't even afford to pay anything and want to start.

Their process takes longer than our paid plans, obviously, but it's, it's so great if you, if you wanna try the solution and, and or if you don't have any money. Um, for people looking to buy a home, we do recommend the the paid plan. Which for most people is still $30 a month, or we have an annual plan for a hundred dollars a year, which is like the best deal you'll find in the space.

That's

Laura Moreno: amazing. I mean, I, I love that because, um, it's funny, when I came to this country, I didn't want, I didn't have any credit, which was like 10 years ago. And my husband said, You need to have a credit card. And I was like, Oh, no, no, no, no. I'm allergic to credit cards. I will spend it all and get in trouble.

I don't want any, anything [00:09:00] to do like that. But in America you need to have credit. Um, the same thing happens. Hispanics and a lot of pop like immigrants like me, we don't want to have credit because we cats consider cats. We like cats. Yeah. I dunno. Israelis also. Yeah, yeah. Big time. We just want to pay debit.

Nirit Rubenstein: They, Yeah. Yeah. They pay debit. Israelis get, they get, they get into, To debt on their debit cards. But it's, but they don't, they don't spend, they don't rack up tons of money on, on credit card bills. And that's why I'm saying like the system is counterintuitive. If you're the type of person like you just described, which I am as well, I don't want 10 credit cards open, just sitting there with nothing cuz that's responsibility.

But if I close those, It'll bring down my credit score. Why? Because I'm reducing my overall credit utilization, which is what all of these uh, institutions give me as a line of credit. So let's say I have [00:10:00] three credit cards. Each one is giving me $5,000. My line of credit total is $15,000. The higher that is, the better off my credit score will be.

The lower my percentage of youth, the higher my credit score will be. So ideally you want a big maximum that you can use, but you wanna use below 10%. There's thresholds, so below 30%, uh, below 50%, 30%, and 10%, it's the third. It's the 10 30 50 rule. So each one of those gives you a bump in your, in your credit score, and that's add another, another problem with credit, if you pull your credit score.

Even though I like, I pay my credit card bill in full every single month, but if I pull my credit score right before my bill is due, even though I pay it off every month and two days later it'll be zero, my credit utilization will be up and my score will actually be lower. So [00:11:00] very counterintuitive, like lots of.

Kind of things that don't make sense in, in the world of credit.

Laura Moreno: I feel like, I feel like, you know, they give you credit cards and they give you like 10,000, $15,000 to spend and, but they tell you, they don't tell you this because obviously they're making money. If you spend all the money and then you don't pay back.

That's when they make like those 25% interest rates. Right, Right, right. So you are supposed to know that this is a temptation, but you're not supposed to touch it . But you still have to have the temptation in front of you not to buy this handbag that you want to buy because it's on credit and blah, blah, blah, blah, blah.

Right. Which is crazy to me. It's like, ah, no. Yeah. So tell me about your most impressive accomplishment

Nirit Rubenstein: in my life. Um, well, Uh, that's, that's tough. Um, I mean, as the mother, obviously having children is, is I think, the, the best, uh, accomplishment. But, um, but in my [00:12:00] professional career, I actually think joining the, the Army was, was the very big, uh, character builder for me.

Um, I think for the first time in my life, I, they put you in the, you know, when you join your, when you're in, uh, boot. You, you're all together in this big room, you're all wearing the same clothes, and it doesn't matter if you're black, white, brown, rich, or you know, background. It's like all of a sudden the whole playing field is the same.

Everybody's on the same playing field. And uh, and it's very humbling. It's a very humbling experience and, and I learned a lot in terms of a good leader. Um, Being a teammate, the, the important camaraderie and collaboration, uh, teamwork. And I just, I think that that helped me significantly throughout my, my career.

Laura Moreno: That's amazing. I mean, I thought you were going to say, Well, [00:13:00] I'm a three times mom. I'm a wife, I'm also a founder. M and then you said you surprised me with also the. The Army. I was like, Whoa, you're a superwoman. .

Nirit Rubenstein: Yeah. No, I, I really enjoyed the army. I think it, it, it build, it helped me be who I am today for sure.

Um, but I've been very fortunate. I mean, I have a lot of accomplishments that I'm proud of and a lot of, you know, when I think about companies that I've worked for, I worked for Salesforce before they went public and. That was Wow. Like, talk about career experiences once in a lifetime. You know, It, it was an amazing company to, to be part of.

And so I've been, I've been fortunate to work for some really good companies and with some really good people.

Laura Moreno: Wow. And, uh, you, you share with me like, um, on the most impressive accomplishment you share with me a very nice video of a woman going through how she changed her life around. Could you tell us more about that?

Nirit Rubenstein: I'm [00:14:00] trying to remember which, which video

Laura Moreno: you're, you're, It's like an Instagram reels from this woman that

Nirit Rubenstein: Oh, from that Carney who bought, Who bought a home. Yeah.

Laura Moreno: And you can see the two kids before, like the, the kid and her, and. . Yeah. That

Nirit Rubenstein: was, that was, uh, one story. I mean, we've, we've many stories like that.

Um, but McCartney is, is someone who found out about Doley, um, had quite a few items on her, on her credit. She was trying to buy a home for a very long time. Uh, her mortgage broker told her there was no way she was gonna get into home at least for another 10 years, given her credit. What was

Laura Moreno: the credit?

Was it like really horrible?

Nirit Rubenstein: It was like in the five hundreds. Yeah. Um, and, uh, you know, we, we worked methodically. She was a member, uh, I think within less than nine months we cleaned up her credit and. [00:15:00] Uh, she, she was able to get a home and her mortgage broker said, I can't. What did you do? Like, did you wave a magic wand?

How did this happen? Um, and, and she was so passionate about our product. She actually reached out to us and asked us, Hey, can I do a testimonial? I wanna get this product out to as many people as possible. You guys really helped me. Um, so, you know, she had. She had the American dream of buying a home. And, uh, we were able to help her make that, I mean, I, I always say help cuz I don't, we we don't buy the home for you, right?

You have to want to do it yourself. Like you can only lead a horse to water. You can't make them drink. Right? We are there to help you and make things easy. Um, but the, our, our success stories are always people who are committed themselves to making it happen and to put in the.

Laura Moreno: Awesome. Well now Need it.

Need it? Need it. Sorry. Let's take a quick second to thank our sponsors. [00:16:00] Sure. Welcome back. Now I'm going to ask you a series of shared questions to help our audience even farther. Are you ready? I'm ready. Please share with us your biggest piece of piece of advice you can give to someone trying to buy their first home.

Now, regarding their credit.

Nirit Rubenstein: Well, first of all, know what's on your. Uh, enroll in a service like ideally Doley. Uh, understand what's on your credit. Start the process earlier than you think because it's not an overnight process. So understand how to get your credit score up either by removing items, getting your credit u utilization down, adding additional, uh, items that can help you improve.

Becoming an authorized user on somebody's card could really help. So we have a lot of blogs on the topic. You can just go and get the education for free, but really understand how you can maximize your credit. Because the difference in a credit score of just [00:17:00] five at like just 20, 30 points can be significant interest difference, uh, when you're looking to buy a home.

Laura Moreno: Got it. And what have you seen are the top mistakes people make regarding their credit and especially, you know, first time home buyers?

Nirit Rubenstein: Uh, the. Very easiest mistake people make is they forget to pay their bills so they don't set up autopay. So set up autopay on everything. As soon as you open up a new account or line of credit, immediately set it up on autopay so that you, you don't forget.

Um, and in general, don't go opening up a million lines of credit. Because you, you can also get dinged by having too many hard inquiries. And so be super thoughtful about additional accounts. You're gonna, you're gonna add to your credit history. I, I

Laura Moreno: remember actually going to Century 21, uh, one month after having arrived for America, or maybe [00:18:00] a few months later.

And I, you know, those offers, like you get 10% off if you sign up for a credit card. So I did sign up for their credit card because I had bought like $400 and I was like, Oh, this is $40, right? And I came back and I told my husband and he said, What do you do? No. Mm-hmm. . And then like a couple of weeks later, my credit was like a hundred points down.

Mm-hmm. . I was like, What? But I, I had paid like the thing, it was like the reputation of that credit card. How does that even happen? ? . Yeah.

Nirit Rubenstein: Yeah. It's crazy. It's really crazy. It's, it's very, it's a very punitive system. It's like, trust. I always say it's like trust. You can be perfect for, for many years. You make one mistake and you're, you're shot back down to, you know, very

Laura Moreno: low score.

Now, every time I look at those credit cards, I'm like, Nope. Never again.

Nirit Rubenstein: Nope. No. Thank you, .

Laura Moreno: No, thank you, . [00:19:00] Yeah. We needed, You've shared with us amazing information today. What can we, our audience do for you today?

Nirit Rubenstein: I mean, look, we really are on a mission to help as many Americans as we can get ahead financially.

Um, the, the best thing you can do is download doley, start using it, and refer it. As many people as possible, just get the word out there that we exist. Cause we really do want to help as many people as we can. We're extremely passionate about it. We're a very, very mission driven company.

Laura Moreno: I can, I can hear that in your voice and I love that so much.

How many users you have now? I mean, you're a massive company today.

Nirit Rubenstein: We're, we're getting there. Um, we have a couple, We've had, uh, about a hundred, 150,000 users on our platform.

Laura Moreno: Yay. Congrats. I love that you being a female founder also. I mean, yay. Yes,

Nirit Rubenstein: Yes. Thank you.

Laura Moreno: Well needed. Thank you so much for being in [00:20:00] the first Time Home Buyer podcast, and let us know again if there's something else we can do.

Thank you again. Thanks,

Nirit Rubenstein: Laura. I really appreciate it. Again, encourage everyone to enroll in in Doley, D O V L y.com. Fantastic. Thanks for the podcast. Appreciate it. Thank you.

Introduction

Margo Christophilis is a Managing Broker in Seattle, Washington who loves to help people get into their first home. When she is not working she is dancing and doing crossfit. Being with family is also very important for her.

Get In Touch With Our Guest, Margo Christophilis

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Transcription Margo Christophilis

Laura Moreno: [00:00:00] First, I'm S Nation. I am Lara, and I am super excited to bring you our fantastic guest today, Margo Christos.

Margo is a managing broker in Seattle, Washington, who loves to help people get into their first home when she is not working. She is dancing and doing CrossFit. She also loves being with her family, including hate, Her eight year old grandson, Alejandro. Margot, are you ready

Margo Christophilis: to. I am ready to flow. Good morning everybody.

Laura Moreno: Grace, I've given our community just a little insight. Please share more about you personally and then expand upon your business.

Margo Christophilis: So basically I have been in the business 17 years and I have helped many people. We help, uh, between 4 45 and 50 families a year. Uh, first time home buyers are very important to me, very close to my heart as everything is a process and people want to not fear, they want to understand the process.

So, um, out of my [00:01:00] 17 years, I've been down at Keller Williams in Greater Seattle, but I do it two and a half hour radius, so don't worry. We help everybody and we're just here to make the process easy and get people into home ownership and building that equity instead of paying somebody else's. So tell

Laura Moreno: me more about helping First.

I'm home buyers because, um, I am reading right now a book called The Millionaire Real Estate Agent that says, if you want to be successful, focus on sellers. And, and this is why I, I, in my opinion, it's hard sometimes to find really good real estate agents that. Work with first time home buyers. Tell me more about that.

Do you agree with that philosophy or,

Margo Christophilis: I mean, I don't agree with the philosophy. You know, if you look up Gary Keller with Keller Williams, he's written three books, um, and one is the Red Book and then the Shift, and then the one thing concentrated on one thing. With that, I am considered a a mega [00:02:00] agent, which means I help both sellers and buyers.

I don't think you. You know, do that to people and, and, and just try to do one side of something. Everyone is important in their own way. Yes, sellers are important, and you do open houses, and then you bring in buyers. But at the same time, I'm committed to reaching out to people, like on a show, you know, a podcast like yours, lada.

And really meet people and teach 'em the way. So they decide, do I wanna buy? Am I ready? What does it look like? Um, it's scary for people. So I, I don't agree with that. I, I love helping everybody. I do

Laura Moreno: both though. That's awesome. No, and I always say that. First time home buyers are the best people to work with because we end up sending you our friends and family doing more business with you.

So it's like the long term clients, we, we just need some education. I'm talking about education. Tell me, tell me more about how do you do that in your team? Like how do you educate and empower your client? [00:03:00]

Margo Christophilis: So we do several things. One, we teach, um, these home Advantage classes that are with Washington State, and I know every state has their own.

Ours, it's called Home Advantage, where there is programs that are affordable for people if they don't have a down payment. They have to fit into a criteria of what they make, whether it's single, you know, two people with the, you know, a child, how many people, and they, they, this county goes off that, the counties in Washington and we teach people a five hour class.

Um, what to look for, and we'll talk about that in all these processes. And then we match 'em with the lender that we're speaking with. And if they choose to work with us, we help 'em through the whole process. The other way is people come to me online or on Zillow. Um, I'm actually having some of my clients that were referred to me for dinner on Sunday at my house.

I mean, I, I take it seriously and I fall in love with my clients and, and they're, they're family and clients for [00:04:00] life.

Laura Moreno: Um, I love that the, I fall in love with my clients. I've never heard any agent inviting their clients to have dinner at their home because your home is such a personal and sensitive place.

Like I love that. And I love what you said about I fall in love with my clients. Oh my God. Like, do you have any, do you have any specific, like example of like a relationship that kind of like went far above the, the professional relationship with any of your.

Margo Christophilis: Absolutely. So I have my first Zillow clients from 12 years ago.

Um,

Laura Moreno: I'm sorry, what do you mean when you say a Zillow client? What is a Zillow client?

Margo Christophilis: So I'm a preferred agent on Zillow, and people will come to areas and they'll see me and they'll call me. Zillow to see homes or to find out about the process of buying a home. And these particular client's, husband and wife, they found me on Zillow 12 years ago.

They had an agent that [00:05:00] wasn't treating them well. Hmm. Um, they're both, they're from Mexico and they're amazing human beings. So, long story short, I've helped them with three homes. I've helped six of their family members, and I am now the godmother. They're two adopted small children. So you know it, It's important to trust, right?

They trust you, but you have to trust them and you build upon that. And I'm not saying I'm gonna come into everyone's home or bother you after a transaction closes, but I'm gonna touch base. You're gonna hear from me quarterly. I wanna see how you're doing in your home. How can I help you? Do you need to manage a new bathroom?

What do you need? Why? How can I be of.

Laura Moreno: I love that so much. So I want to touch upon two things. The first thing is, um, let's talk about the experience about working with Zillow agents, because I've heard so many things like, um, usually you pay a fee to be in Zillow and then Zillow sends you clients, but then I've heard of agents maybe not showing up or [00:06:00] new agents being advertised.

There. I'm giving the best experiences to clients, but then I hear about you, you know, an amazing agent that is there. Like how can we really judge an agent and how can we really work with a great agent? . Okay,

Margo Christophilis: So with Zillow, we do pay to be preferred agents and I have been on there 12 years. What happens is you'll go to an area and it'll show my face in a, in a couple of those areas.

When you reach out to someone like me, you should ask, um, do I work full time? What are my hours of operation? How am I successful with my clients? And you should expect a meeting from me so I can give you my buying book that I've created for everyone and that I update every four months. And we're gonna go through the process of stepping into a property.

We're gonna go through the process of what it's like to go to an open house and to be really careful because if we are bonded and [00:07:00] we're working together, sometimes you get misled as a first time home buyer, you sign in and. Agent on site for the listing. They're trying to get business too. They're trying to do this, but you should always have your own agent that you hand picked, because those people, no matter what, they're working on the seller side and buyers don't understand that.

So we go to open house and I tell people, We're going to pick the house you love. I'm not picking up for you. I will know when you go into the home. Don't wanna leave and it's our 15, 20 minutes in that home are up and you wanna take pictures and look around. I already know that. Then we go and we have a discussion.

I have you look on the internet. You know, to make sure that's where you wanna live. I tell you to drive to your job so that you're not away from your loved ones too long. I want you to know what's going on when you make that kind of a choice. And then we start talking about the offer and what that looks like and why, and what the market value is around that [00:08:00] house.

Right? And as we write the offers, I always let people know we might not get the first one. We will get the home that we are meant. That's the home we're gonna get. And I've not had anyone say, I'm still thinking about the other home. No. They're like, I'm so glad we found this home. And then we work on, the lender takes over and, and then the, through all of that, I always tell people, Please do not hire moving vans, carpet cleaning, anything.

The day of closing, because in Washington right now, sometimes things don't record at the county. So let's say it goes through the lender and all the, the loan funds, sometimes it doesn't record cuz they're so busy till the next morning. So don't make any of those calls until I hand you your keys. And the reason I say that is because here in Washington we don't give people keys till it closes.

Let's say it's five hours before closing and you go in to clean the oven and you light your sleeve on fire and the house burns down. You have no insurance on that house. So I don't let [00:09:00] people step into their property till they own it. Yeah.

Laura Moreno: Got it, got it. Wow. Okay. So what you're saying is like, make sure you interview that agent and make sure you are giving the service that you deserve.

Kind of like what you were saying about, um, meeting up, talking about the process, talking about where we going to do, like, establishing the expectations and educating buyers. Uh, I absolutely, instead of just like showing up somewhere, showing a house and then , and then that's about it.

Margo Christophilis: I mean, there has to be a strategy la there has to be a strategy for people from start to finish, otherwise they feel lost and you haven't done your job.

Laura Moreno: Yeah. And I've, I've gone through that in my in my own experiences for sure. And then the other, the other question that I have for you is, um, We know that when, well, we not, not all of us know that, but actually what you want to get with a new, um, with our client, with a realtor, sorry, with a real estate agent, is establish a relationship with someone that is going to be a lasting relationship [00:10:00] that is going to keep on adding value to your life.

And to that questions like what do you do to keep on adding value even after you've closed the home?

Margo Christophilis: Okay. After we close, we, um, obviously. Ask for a review just to make sure that everything went well. Um, they get a newsletter every month. They get a phone call, if not every other month from me, quarterly.

They get a gift quarterly in the mail from, um, I love that a company called, Yeah, Client Giant. And they're cute things Like this month it was these games and some of my clients send me a picture, We're gonna play this game now. It's starting to rain, not, and we're gonna be inside. So I always try to touch 'em and we try to do two client appreciations a year.

Laura Moreno: Mm. I love that. I mean, I love those client appreciation events and those presents, like, why not? If you're going to work with an agent and you're not going to pay anything for that agent, why not getting the best one that also invites you to parties and sends you [00:11:00] presents? I, I'm, I wanna say I'm a sucker for all that

Margo Christophilis: Yeah. I love, I just do for people what I would like someone to do for me, you know? So,

Laura Moreno: That's awesome. So tell me more about, um, the, the main message that you want listeners to take away from this episode. And, um, you said something that is, it's okay. Scared to be, It's okay to be a scared of the unknown. As a professional, you are always there to answer any questions.

So tell me, uh, do you have any experiences with any situations where people were really scared of what was going to happen and you came in there to help?

Margo Christophilis: Um, yeah, there's, there's always situations, like I have some clients right now that are past clients and I'm friends with their parents too, who live in a different state, and the dad is a agent over there and they've chosen me.

to help their family in Washington. And basically we were, you know, in a property the other day, we stay long enough to check everything out. We talk about what's going on outside in this particular [00:12:00] property, they might start building a home. So when you see the fence and you go to the basement part of this home, you can see the the dirt.

And so I always tell them we would want an inspection. We wanna make sure, even though they did a beautiful job remodeling, that this won't have water intrus. But I said that's what insurance is for. I will tell you not just what you wanna hear, I will tell you what could be, what may or may not be. But at the end of the day when the gal called me the next day, we talked about the fear of rates.

We talked about the fear of somebody building a house. You don't know when you buy a home, what neighbor you're gonna have, cuz you could go knock on the doors and pick your neighbors. They could move next month. Same thing. Someone could tear their house down and build. You, you try to not fear the unknown anymore because you know that it's a positive to buy a home and to build equity, you need to more concentrate on yourself and does this feel like home.[00:13:00]

So that's what I would say. Talk everything out. Talk to your family, talk to your agent, talk to each other, and you'll know if it, you really want to live there. All the other challenges, we can work. Got

Laura Moreno: it, got it, got it. Yeah, no, I mean, you have an amazing experience. Do you guys, tell me before that you were building your own home?

Are you doing that right now?

Margo Christophilis: We, we are, We haven't broken ground yet. It's, it's, um, it's just like being a doctor. When you're sick yourself, you learn a lot different things. So we're learning patient. We're learning, why aren't those building permits done? So yeah, we are building here in Washington on a beautiful last piece of acre in a specific area up north, and we're very excited to, to do it our way.

Um, and if I'm ever invited back, we can talk about land and what that looks like cuz I do get lots of calls this past couple of years where it's hard to get a house cuz there's 20 offers and people think they're just gonna build, but there's [00:14:00] so much to building and you need to, That's another thing I just want people to be aware before they get into project.

Laura Moreno: So you bought the land and you hire a contractor, a builder to build in the land? Yep.

Margo Christophilis: Yes, I have stopped for. , were

Laura Moreno: you ? So were you stocked the builder? Is he not like dying to have your business?

Margo Christophilis: Well, I stocked. He is, but I mean when, when I say stocked, it means I watched him build for the past six years, like walking or jogging in the neighborhoods cuz he only does specific areas.

And I saw how he built and then I met him through our. Um, they, he came highly recommended, which I would recommend to anybody who's building, and we met with him, brought my dad with, did all of that. We've been to his home. We've been out to dinner with him, and really we've been, they've, the architect has done our project and sketched it, and now they're doing the final permitting so that we can break ground next month.

Laura Moreno: Are you, I mean, tell me about your feelings [00:15:00] because you are a realtor and you've done this many times in your own homes, but now also with clients and now you're doing it again. Like, how are you feeling? Are you like, totally cool, like, I've done this hundreds of times, or no,

Margo Christophilis: I, it's made me appreciate my clients even more.

We feel lost, my husband and I, cuz all we do is help people. We make solutions, we make things happen. Now I'm waiting for somebody else to control my destiny on this home we trust. But also the rates are high. We're gonna participate in that high rate . So, um, although I know. What, how this works. I don't know.

Some of the intricacies, I'm not a builder and so I am learning, like I said, how to reach out to my clients who do want their next home to be, you know, starting with a, with land and explaining to them, Hey, I'm not gonna turn you off to it, but I'm gonna tell you kind of how long it's taking and what to [00:16:00] look forward to.

Laura Moreno: How long is it taking for you and what have you learned?

Margo Christophilis: So we bought the land. August, the end of last August, right after my birthday. Happy birthday to me, . And we've been talking That's a good present. Yeah. Yeah. And we've been talking to the builder and the architects. Um, Since then, and now we're almost the November and they said we're gonna break ground in June, then July.

And then, you know, I'm like, I really wanna have next year, my 60th birthday in my house. Not gonna happen maybe Christmas. So it just takes time. Why do they,

Laura Moreno: why do they have to wait until June, I suppose?

Margo Christophilis: Well, we'll start in November, but I mean, in June they said, Oh, we're gonna start soon. Oh, in July we're gonna start the never.

It didn't happen. You just again, don't. Expectations, , . Pick, pick the right land, pick the right builder, pick the right bank, have your [00:17:00] money ready. And because it, it's gonna be a, a, a process. Get ready for the ride. That's what we've been doing.

Laura Moreno: So tell me, um, last question. Tell me more about the market today.

What are you seeing in Seattle? And if I am a first I'm home buyer in Seattle now, like what can I expect and how can I position myself in a very strong way to buy a.

Margo Christophilis: Okay. That's a great question. So again, it's best if you have an experienced agent. And an agent that also knows a lot of other agents, because all as peers, we work together and if you have a good name out there, that's gonna get you further and it does get you further with your clients.

So basically, Seattle has become a normal market. It is not a bad market, It's normal. So we still on in certain areas, might see two to three offers. Realistically though, we're sitting for at least 32 days. I have a listing that's gorgeous up in Edmond's. [00:18:00] Gorgeous. It should have been gone since June. This has not happened to me in years, and it's still not sold.

So there's gonna be a few. Why isn't that gone? And people are being a little more nitpicky so you can go home and think about it for a couple days. Right. But then there's an area called Sam Amish where I was with my clients last Saturday, and we had three. To decide if we wanted it. And I just could tell my clients were scared and I said, This isn't the one.

They loved it, but I said, You, you're not okay. I can see it in your eyes, making an offer in three hours. So we passed on it.

Laura Moreno: And is, was it because the, the, the seller really had like many offers to make it, you know, many offers or they were just like, I don't

Margo Christophilis: know. No, this the, the sellers went to a. They were not living in the home anymore.

They're elderly. And the agent got a strong offer early in the morning and I said, Could you at least give us till the morning? And he said, I don't wanna lose this offer. So there was really only one or two other offers besides ours, but he wanted to [00:19:00] get it signed around. That was his deal as an agent. He said it was over asking, It's waving everything we're gonna take.

Well, my clients don't wanna waive everything, especially in this market. If you're gonna spend a couple million dollars, you should have your inspections. Especially, it doesn't matter if it's new or old. I always say, Do your inspections.

Laura Moreno: It's always crazy when people, when people, uh, wa their inspections.

For me, it's like playing the lottery rate like. I know the market was crazy over the last couple of years, but making the biggest investor in your life and just not even having anyone to, to see if there's any big problem, and I'm just just talking about fixing the fridge. . I'm talking about a big a structure problem.

Problem,

Margo Christophilis: Absolutely. Well, and I watch people around and again, I love my peers and I, I. Everyone, I'm, I'm not ever gonna slam anybody, but in my 17 years, never once in this crazy market did I waive anything from my clients. We just got the next house and sometimes it took eight houses, but it was always the one they wanted.

[00:20:00] I'm not gonna waive rights of people and I don't want that phone call that something didn't work out. They won't remember me in a positive way, and I've. W helped ruin their life. I'm not doing that. So I take, I don't do gray area, I do black and white, and we stay in our lane.

Laura Moreno: Oh, I love that so much. So much.

It's all about the clients and protecting them so much. So, Mark, have you share with us amazing information today. What can we do for you, our listeners in the podcast? What can we do for

you?

Margo Christophilis: Well, you know what, uh, this is gonna sound corny, but I say do an act of kindness. Just try to do an act of kindness and have, you know, grace for people that are, might be having a bad day.

And if you're in the Seattle area and you wanna grab coffee or you wanna know about home buying or selling, reach out to me and gimme a call. I'd love to hear from you.

Laura Moreno: And how can we reach out

Margo Christophilis: to you, Margo? Um, my information is, my phone number is area code [00:21:00] (206) 963-5525, and my email. Margo, M a r r g o, M as in Mary, B as in boy, A as in [email protected].

Old school .

Laura Moreno: Well, Marco, the Hotmail. Is there anyone else with ? Of course there are. Of course there are. I'm always amazed when someone gets like [email protected]. I was like, How old is this person? How did I get that name? . Well, thank you so, so, so much for being the first I Home Buyer podcast.

Introduction

Graeme Richardson is a Product Design leader and a first-time home buyer that wants to share with us everything he has learned from buying his first home. When he's not working, he's riding his motorcycle or hanging out with his 2 kids.

Get In Touch With Our Guest, Graeme Richardson

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Introduction

Sydney Blumstein is a real estate agent in New York. Her parents built a wildly successful team at the Corcoran group based on their knowledge, kindness, and transparency and now she helps people find their own piece of NYC to call home. Her personal Mottos are: "more fun today" "hold the vision, trust the process" and "things take time". In her free time, she likes to discover new restaurants, activities, and spaces in New York with her husband, twin one-year-old babies, Lenox and Luna, and their lovely cat Bailey.

Get In Touch With Our Guest, Sydney Blumstein

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Introduction

Leonard Steinberg was the first PRESIDENT of COMPASS which is now the largest national real estate tech-fueled brokerage in the USA by sales volume. As the company expanded at a historically rapid rate, Leonard transitioned to Chief Evangelist promoting company culture, ethics, and advisory. He devotes 95% of his time to brokerage, and real estate advisory and has sold well in excess of $5 billion over his 25-year career.

Get In Touch With Our Guest, Leonard Steinberg

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Introduction

Nate Johnson is the President of Real Estate Solutions Group @ Red Key Realty Leaders, a full-service residential real estate group in St. Louis, Missouri, with a commitment to helping clients achieve their real estate goals. In addition to helping buyers and sellers achieve their real estate goals for over 20 years, Nate has been speaking to groups around the country, large and small, for over a decade. He is passionate about educating his clients so they are prepared to make good real estate decisions and helping REALTORS become the best version of themselves through teaching and training.

Get In Touch With Our Guest, Nate Johnson

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Introduction

Lance King is the Owner of King Realty Group in San Francisco. He and his team regularly help first-time buyers navigate the complicated Bay Area market. In his spare time, he engages in many sports and spends time with his wife and daughter.

Get In Touch With Our Guest, Lance King

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Introduction

BryAnn Smith is a real estate agent in Hanford, California. She loves working with first-time home buyers and providing education along the way. When she is not working, she is teaching Pilates or playing fetch with her doodles.

Get In Touch With Our Guest, BryAnn Smith

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!

Introduction

Hannah Gramling is a real estate agent in Fort Worth, TX. She is passionate about working with first-time homebuyers and partnering for purchase success. When she isn't working, you can find her traveling, walking the trails, or on a patio with friends!

Get In Touch With Our Guest, Hannah Gramling

If you'd like to get in touch with our guest today, click on the link below and I will send you a warm introduction: Get In Touch With Our Podcast Guest Today

Find The Perfect Real Estate Agent Near You

If you'd like to find a great real estate agent near you, just go to this link: Real Estate Agent Near Me

Podcast Sponsors

Find an Agent with HomeFlow: The key to having a calm and successful home buying experience starts with having the best real estate agent. This is why you need to interview a few. To get the process started just go to Tryhomeflow.com

Dovly: 10 million of Americans have errors in their credit reports that lower their credit score. To fix those error try Dovly.com

MyFico: 90% of top lenders use FICO® Scores—do you know yours? Check your FICO Score at MyFico.com

The Smart Home Buyer Calculator: Use our 4-in-1 super-smart calculator to make sure you know your numbers before buying your first home. Get it now at The Smart Home Buyer Calculator

Rate The Podcast

Click on this link to Rate and Review "The First Time Home Buyer Podcast" on iTunes. You can also subscribe to the podcast there. I will really appreciate it, thanks so much in advance!

Listen To A Podcast Guest In Your Area

If you'd like to find podcast guests for your specific location or profession just click on the link below to search for them: Podcast Guest Search

Awesome Resources For First-Time Home Buyers

If you'd like to access other great resources for first-time home buyers just click on this link: First-Time Home Buyer Resources

Let's Talk

I'd love to talk to podcast listeners and get to know you all better! I can also help you answer any questions you have about buying your first home! So if you'd like to talk about that let's jump a quick call! Just schedule a time that works for you here: Schedule A Call With Laura Moreno

Feedback

I love receiving feedback so please, if you'd like to tell me how you'd improve the podcast, send me an email or schedule a call with me for that works for you here: Schedule A Call With Laura Moreno

Share The Love

If you know someone looking to buy their first home and you think this information would help them, just share it with them. They will really appreciate it.

Subscribe To The Podcast

Apple | Google | Spotify | Stitcher | iHeart

Connect On Social Media

YouTube | Instagram | Facebook | Twitter | LinkedIn

Do you want to start your own podcast?

Then enroll in The Free Podcast Course today, which is the course that I followed to create this podcast!