Venture With Joe and Cody
Venture with Joe and Cody is a captivating journey into the lives and stories of business leaders, entrepreneurs, and pivotal community figures, revealing the essence of success through candid conversations. Tune in to discover the setbacks, triumphs, and invaluable lessons learned on the path to making a mark in the business world and beyond.
Venture With Joe and Cody
Why Do Appraisals Always Match the Offer? We Dig In
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Ever notice how home appraisals seem to land right on the contract price—down to the dollar? We unpack that mystery with a practical, step-by-step look at how appraisals are ordered, how appraisers get assigned, what the on-site visit includes, and why market timing can change fees and turnaround without warning. From Halloween banter to hard numbers, we take you behind the scenes of the appraisal department so you know what’s happening and when.
We walk through the decisions that actually move a deal forward: when to order the appraisal versus waiting for inspections, how refund policies work if the transaction stalls, and what to expect if the appraiser requires repairs. You’ll hear how appraisers verify condition without acting as inspectors, which details commonly get missed (bed counts, HVAC, upgrades), and how those errors can be corrected. Then we zero in on the thorny stuff—low values. We explain the reconsideration of value process, how to assemble better comps, and why ROVs rarely swing the number dramatically. If the value stands, we break down the playbook: renegotiate price, bring more cash, split the gap, or rework concessions. We also highlight how down payment size changes the math and stress level.
Refinance appraisals often tell a different story because there’s no purchase contract in view, which can yield a cleaner read on market value. Still, for purchases, understanding how appraisers think—and how lenders coordinate the process—can save days and dollars. The final takeaway is about responsiveness: when an appraisal lands late, or a fix is required, a lender who answers the phone and recalculates in real time keeps your closing on track.
Enjoy the episode, then tell us your experience: did your appraisal help or hurt your deal? If this was useful, subscribe, leave a review, and share it with a friend who’s house hunting.
Hey hey guys, we're back with another other episode of Venture with Joe and Cody. My name is Joe Skipper, owner of Skipper Realty Group, brokered by EXP Realty, and my friend Cody Wilhelm with Residential Mortgage is here. What's going on, man?
SPEAKER_00That is right. I'm doing good. How are you?
SPEAKER_01Good. You got me thinking, I don't this is gonna sound weird to people that just came on, but uh, what are you gonna be for Halloween? Are you do you dress up? Do you not dress up? I do. Okay.
SPEAKER_00I do dress up. Um, I usually cycle through a few different outfits.
SPEAKER_01Okay.
SPEAKER_00I'm trying to think of what I was last year. Well, I will say trick-or-treating with the kids is usually a diff different costume than like a for sure. Yeah, like a Halloween party or something. Family get-together Halloween party. Yeah. Usually for the family get-together Halloween party kind of thing or friends. I'm usually doing something in either Daisy Dukes or I have a lamp costume like from the Christmas story. Yeah, yeah, yeah. So I tend to wear something that's you know, I run warm, so I like to do that.
SPEAKER_01Like that you're either a lamp from the Christmas story or I'm gonna wear Daisy Dukes.
SPEAKER_00I go Daisy Dukes and I have this mullet wig that I've had I don't know how long, 15 years, probably.
SPEAKER_01So you're like yes, yeah.
SPEAKER_00That usually finds its way out. Some Daisy Dukes, maybe like a cut-off flannel and kind of like a Joe Dirt type of vibe. I like it. I like it. Yeah, yeah. What about you?
SPEAKER_01Well, I we normally dress up normally themes. Um, we've been Star Wars, we've been like the Marvel characters, we've been everything. So but this year they're kind of starting to s get older and do their own thing. So we are, I think I'm gonna be a caddy, a golf caddy. I'm gonna get like a white jumpsuit, you know, like the and then I think Christina's gonna be a golfer. Sweet. Yeah, be pretty sweet. That's a good one. That way you can like walk around and not feel weird, you know, like around the around town and stuff. Yes. Uh like oh, there was once I was Captain America and I had like the the ripped suit and all that, like the muscular suit with like the mask. I was like, it was cool when they were like super little, but now our friends are like, What are you what are you doing? They're in jeans and t-shirt, and like I'm walking around in a Captain America outfit. I love it. But yeah, this year it's gonna be catty.
SPEAKER_00Yeah, I know. I was talking with Eli, um, who's he's 14, and I was asking him, like, hey, are you gonna like what are you gonna do for Halloween? Like, and he's like, I don't know. I think this might be I think I might be over the whole dressing up thing. Okay, oh wow, we're here.
SPEAKER_01Yeah, we're here through a transition because we c Rory's going through the kind of like, I still want to dress up, but it's gonna be like funky or stupid, you know, like he's he got he got like this big sumo fat baby who might blow up the inflatable, and he's like, that'll be cool. Like, all you know, like kind of being more silly almost makes more sense right now, you know.
SPEAKER_00Yes, yeah, he definitely Eli went through the same thing. He had a couple inflatable ones. I think last year he was just a giant pickle, which he's always had this weird obsession with pickles. So it was kind of funny. He loves pickles, like like eating them, like eating pickles, like he just are good though, and he's been he's been obsessed with pickles, like I don't know why or where, but it was like seven or eight years old. It was like everything was like pickle, he would draw pictures of pickles pickles and so but now I think he's just getting to that age where it's like hey, you know, I don't know if my friends are gonna do it. Everybody gets kind of like a little more embarrassed, and it's like that's why the costume has to reflect.
SPEAKER_01Like, yeah, there's a couple I was taking some of the boys from football, and they're doing uh Happy Gilmore. So they'll be like one's gonna be Happy Gilmore. We have a taller kid on our team that's gonna be the guy that gets uh the nail gun to the head, like in Happy Gilmore, and so those sort of things. So it's uh yeah, so that they're going. I think this could be one of their last years. I still think they have the desire for the candy, but yeah, I feel like you're not just going with normal clothes and asking for candy. You will dress up if you're you're gonna earn it.
SPEAKER_00Exactly. You have to earn it.
SPEAKER_01It's not this is not how Halloween works.
SPEAKER_00Yeah, this is not a handout.
Generations, Slang, and Content Ideas
SPEAKER_01Yeah, exactly. Earn it. I have to wear I have to wear a Captain America outfit, so you've got to wear something. Oh man, I know. Um I was talking to my kids uh the other day, and we were uh do you did any of your kids follow um Dude Perfect? Watch any of this?
SPEAKER_00A little bit, like they've they've watched some of it, yeah.
SPEAKER_01So they're like they're getting older, so I think they're like hosting this podcast now, you know.
SPEAKER_00Okay.
SPEAKER_01And they had a millennial on, and it was really funny because they would they went over all the words that millennials use now, and basically the dude perfect guys had to guess like what what it meant, like when it was like all the all the various terms that that millennials use. And yeah, Rory was watching with me, and I was like, it would be funny to have you and me and have Rory on there and do the same thing. Cause I was like, it's just so hilarious. And then they would go to they flipped it and basically um like said something like something effect of like, what did you have to do before you brought back VCRs to the Blockbuster? Like, what did and you had to rewind them? But he was like, What is that even? What is any of that? Like, I don't even know what any of that is. So yeah, it was just so interesting, like how you know, talking to two different generations about what we went through and what they're going through. And it was so funny because the older guys were like, We are our generation, their generation is so dumb because the words, the terms they're using and the things they're using the exact same things. They're like, Why don't you just say this? Like, right? Why do you have to make a new term for it?
SPEAKER_00None of it makes sense. I'm still trying to learn them all. Like, I hear it all the time, but I'm I'm always asking Eli. I know. Okay, what is that? Use that in a sentence for me so that I can actually understand what you guys are saying. Because it doesn't make any sense.
SPEAKER_01Like we're already like, don't like don't ever say it. Like you even if I use it in the right way, the right time, he's like, Don't ever, ever do that again. It's only reserved for the millennials. Like, they can I did think it'd be fun to have have him on or something, or have both of our boys on and just kind of go over that stuff. So maybe we can get that set up with them. I love that idea. Yeah, just to lighten it up, Cora said this morning, she's like, you know, you should have us on because sometimes people don't want to hear about real estate, they just want to hear like sometimes this like it might appeal to kids if you have us on. I was like, okay, that makes some sense. Makes some sense. So yeah, I've got my marketing directors at the still telling me what it is.
SPEAKER_00We're already being replaced.
SPEAKER_01So I know they'll be more popular and people will just be requesting them. Like, yeah, like I'm not letting my eight-year-old host a podcast now.
SPEAKER_00Yeah, we can just ask them real estate and mortgage questions and see what they what their responses would be.
Setting Up the Appraisal Process
SPEAKER_01That's true, that's true. Well, speaking of real estate mortgage, I just wanted to, we had gone over in the last couple weeks, we went over the pre-approval process. That's one of the biggest keys to getting started on a mortgage and the biggest hiccups that a lot of people have. I think let's jump into the next one, which I find at least, and maybe there's one that you find different, but the appraisal process. That's when we're under contract, everything's trucking along, we've got through the inspection, everyone feels happy, and then Cody calls and says, Hey, I've got to get the appraiser out there, and blah, blah, blah. Yes. So I think that's I would say that 98, 99% of the times that I've had sales, either buying and selling, it's been fine. The appraisers is fine. There's always is gonna be one or two, but I can't even remember that that that's happened. But, anyways, the appraisal is a time where it's a high stress scenario because we've already gotten through everything, we're all happy, we're all like everyone or not happy, and everyone has conceded based on inspections a lot. And they're like, dude, if this appraisal comes in low, like I'm gonna flip. Or, you know, so it does add a lot of stress towards the end. So kind of walk us through, I don't even know where to start. Like, maybe you can kind of help us where to start on the appraisal. Basically, from my standpoint, the appraisal is when you know the lender sends in their a non-biased party that says, Is this house worth the loan that we're gonna loan on it for? And so it's as simple as that in my in my terms. And then the appraiser comes in, takes a look at the house, and says, Yep, we're good on that price, or no, we're off by by that. So how does that how does it all work? Like kind of start us off.
SPEAKER_00Well, I would say your your summary there is pretty pretty much so we're done what it is.
SPEAKER_01But well, thank you guys, and uh tune in next next week for another tidbit information.
SPEAKER_00I will walk you through a few specifics and questions that people tend to ask.
SPEAKER_01Yeah.
SPEAKER_00So yeah, once we get the purchase contract, and I've got a ton of questions.
SPEAKER_01So if yeah, I'll follow up with stuff. We'll fill that that gap. You might see me getting mad based on recent transactions.
SPEAKER_00Right.
SPEAKER_01I'm like, why do you do this? And why do they do this?
How Appraisers Are Assigned and Paid
What Appraisers Actually Do On-Site
SPEAKER_00Yeah. So we get the purchase contract, we're we're moving forward, we get our loan disclosures out. Once we have our loan disclosures out, which is just the initial packet of everything, um, it's got the numbers in there, but it also has authorizations that we can do, you know, check all these different things. Once we have that, then we can get the appraisal ordered. And the way that the appraisal order works is we work through, we have our own appraisal department. Some companies work with appraisal management companies or AMCs where they just essentially contract that out. So none of none of what they do is in-house. And we don't have no lenders have appraisers in-house because it does have to be a neutral third party. So, what we do, what our process is, is we have a system that we go through, we place the order, we put in what the due date is, the expected due date. Uh, we upload the contract. So the appraiser knows exactly what is being offered, um, if there's seller concessions, they know they know as much as is what we know, right? And then we we place the order with when we want it back, how much we're asking in fee. Um, so we we have there's it's a pretty standard fee. Um, it's usually about$700. That's kind of like what appraisals are going for normally. So we'll usually go in a little bit lower than that um just to see if we can get uh get somebody to pick it up. And then usually what ends up happening, it's kind of a first come, first serve. So who whatever appraiser wants it or sees it first can pick it up and they will say, This is what we can do for a due date, and this is how much we're gonna charge. And if that fits within what we're expecting and needing, then we'll just accept it. If not, then we'll say, No, that due date's too far out. We need this due date. If not, then we'll just we'll go to the next person. Or your fee is too high, that's way higher than what we were anticipating. Like, let's just put the order back out there and see if another appraiser will pick it up. Because depending on the market, like right now, it's not a super busy time. So appraisers tend to be picking stuff up quicker, they're getting through the reports quicker, and they're doing them for less than what they normally would be because the demand is just not there like it has been in some years. So once they pick that up and do that, some appraisers do their research and comps and everything before they go out to the property. And some go out to the property early on. Talking with appraisers, it seems like it's just kind of a personal preference on what they want. Um because a lot of them, again, from just conversations that I've had, they like to like I'm gonna spend this day going around to all the different properties, right? So instead of like doing a report and then today I'm gonna go out to this property, and then tomorrow I'm gonna go out to this property. They're just like, I'm gonna knock all these out in one day and do a lot of the paperwork side of it leading up to it. Sometimes it's hit or miss on when the appraiser goes out to the home. Say if there's a a week due date, sometimes the appraiser is gonna go out there that first day, other times it's gonna be like the sixth day. Um, and then usually people are calling, like, hey, I I haven't heard anything from the appraiser. Do we know what's going on here? And so it's usually just kind of a preference on what the appraiser does, but then the appraiser gets the work done and they send us the report, which then tells us what they valued it at, if there are any repairs needed. Um, and those are usually the two main points. Um, sometimes there'll be stuff on there. It doesn't happen very often that there's something outside of repairs. There might be some questions, but one question that does get asked a lot is uh, you know, what are they looking for in the property? Yeah. And uh, you know, they're not inspectors, so they're not going up on the roof, they're not crawling through the crawl space looking at stuff. They do have to peek into the crawl space, like a head and shoulders inspection, which usually just means they're gonna open up the crawl space, they're gonna dip their head down in there, take a few pictures, and then same thing in the attic. So they're not inspecting the home, they're just essentially walking through the home and looking at the condition just to make sure that it matches what the pictures and the listing and everything says, so that they have an actual like I physically went out to this property and viewed that it was the same way as the pictures, because we all know with AI and everything anymore. Yeah, who knows? Yeah, for sure.
When To Order the Appraisal
SPEAKER_01So what um, so when do you order the appraisal? This is always an issue between the agent and the lender because the lender wants to get the appraisal ordered right away. Yeah, the agent normally wants to wait till after inspection or close to, so it's done. What's the issue with that? What's what's what's the conflict?
SPEAKER_00Yeah. Um, I think for us, we always just want to order it as soon as possible, just because it's whatever variable could happen with it, we can we can see it and address it earlier.
SPEAKER_02Yeah.
SPEAKER_00But I usually just call the whoever the buyer's agent is and just say, hey, we're we have what we need to get the appraisal ordered. Are you cool with getting the appraisal ordered? Is there any concerns? And usually it's one or the other. It's like, well, there's definitely some inspection stuff that we're working on, so let's hold off because I want to make sure that this stuff gets taken care of. Because if not, then they might not keep moving forward. And then other times it's like, yeah, you know, this house is in great shape. I don't there's I don't see any reason for anything to come up in the inspection or whatever, let's just go ahead and do that. And then I just coordinate with the buyers on that to say, hey, looks everything looks good. Are you good if we get the appraisal ordered? And so I kind of just take the cues from from everybody else that's involved. But yeah, if it were up to me, assuming there are no concerns from an inspection standpoint, because I don't want to order it if there's like you know, if if they know that there's multiple things that may need to be fixed even prior to the appraiser going out, or there's some work. Because sometimes it's like, you know, this bathroom, it still needs like two more days worth of work before it's done. So let's hold off until we know that that's completed and the inspector the appraiser doesn't go out there and see that the you know the cabinets are missing from the bathroom. For sure. Yeah. Um yeah, ideally getting it ordered as quick as we can. The turn times are not an issue. When things get really busy, that does put even more stress on getting it ordered as quick as possible. Because when the turn time is two and a half weeks, it puts a little more stress because if we don't order it fairly early, we're looking at running into that death trap of last week of transaction and we're waiting on clear to close, we're waiting on the appraisal, and for sure. Hopefully, not any other anything else, but it does add to that kind of extra stress. But we can order it at any time once the disclosures have been signed.
SPEAKER_01Okay. So what's uh it and uh it sounds like the reason you uh want to be careful, I guess, on the appra order of the appraisal is there's no refund. It's like if you spend 700 bucks to get an appraisal and the deal fails, you're done. Is it yes, is that payment when is that payment due? When does it come, you know, when do you pay for the appraisal in the event that yeah, hey, Cody orders it in day five, day seven, they decide you know they're not going through with the deal. What's when does the when do you when are you committed to those funds?
Why Appraisals Match Contract Price
SPEAKER_00So they will the buyers will pay for the appraisal when we are ready to order it, but the there can be a refund. So if the appraiser has not gone out to the property and we cancel it, then we'll get a refund. If they've gone out to the property but haven't submitted the report, then we'll get usually a like half of it back because they didn't do the full amount of work, but they did go out to the property or they did do some work, which is why you know it is important for everyone to make sure that everybody that's involved in the transaction is okay with getting the appraisal ordered at this time because if you do run into that situation where something does come up and the appraiser's already gone out to the property and worked up the majority, you might still have a$500 bill for an appraiser that appraisal that you don't even need. Do you get that?
SPEAKER_01Like, do you get a partial report or can you not? Is it like only when it's fully submitted?
SPEAKER_00You know, that's a good question. I guess you could probably ask for it. I mean, you paid for it, so you could probably get that partial report. Yeah, yeah. I would almost recommend at that point you may be better off potentially just like having them do the full report. Yeah. Because then if you do walk away and a new buyer comes in and it hasn't been more than 90 days, then that that next lender can actually use that report. That lender would have to pay the buyer, essentially, or the lender, whoever whoever paid for it for that, they would have to pay for that and then have it converted over with their information, but they can still use it instead of ordering a new one. So that's interesting.
SPEAKER_01Yeah, okay. Another thing, and I'm not it's gonna sound weird. Whenever an appraisal is ordered, everything comes in at value. And I'm like, Dude, what it makes me nervous because and I'm not knocking any appraisers, but I'm like, how is it the fact that everything comes in at value? But they're so specific, and this is just my little rant as an agent, they're so specific on certain things. You know, you can't, we're not we can't lend. I'm not gonna lend you on this. This house has a little paint chips in the in the deck, you know, we gotta get it painted, and then it comes in at value. I'm like, did you that specific value? That's what it came in at. Like, do you have the same issue as a lender, or is this just like what appraisers do? Like, no, it's and I don't want to overgeneralize, but it's it's very it happens more often than not that it comes in at the value that we offered. Weird. Like, yes, not 10,000, not 20,000 over, under, like how specific are they? Are they required to be specific?
SPEAKER_00Or you know, I it's been something that I have noticed the majority of the time that I've been doing this is purchase appraisals. I don't know what the number is, 95% of the time I'm gonna say come in at the asking price. Not the list price necessarily, but the asking price. Even when it's a 564,500, that price comes in at 565,000.
SPEAKER_01Yeah.
SPEAKER_00You're right. And you're like, come on. Like weird. You're telling me that all the numbers that you use, all the research and everything that went into it, it came out exactly to that. And the part that gets me here too is when there's been a price drop or a price increase or seller concession or whatever, like that number uh gets created sometimes through multiple changes that have happened, and yet it still appraises right there. That's why refinances I feel like you get a true actual valuation on a refi because there is no contract there. We don't send them anything. They don't know what the loan amount's gonna be, they don't know anything. So they're just going strictly based on you know what did it sell for, when it sold, what are the comps.
SPEAKER_02Yeah.
SPEAKER_00And you tend to get a much more accurate. Sometimes it's worse, but a lot of times it's actually better than what you're expecting. Like I had one recently, I think it was two months ago. The guy bought within less than a year ago, and his value went up like 50 grand on a$400-something thousand dollar home in this market, which tells me the original appraisal because I know that our market is not going up that fast.
SPEAKER_01Yes.
SPEAKER_00So it tells me that the appraiser, not to uh point fingers, obviously not going to say any names, but it's like you're telling me that a year ago this thing increased by almost 10% in a market where we're seeing price drops happening, and and that that to me tells me what the true value is rather than just I think that for an appraiser, and again, this is just my own opinion because I'm not an appraiser, I think it is them justifying the price. And I don't know what I really I think that they don't want to inflate the market. So if they do see that this home is actually like this thing is valued 50,000 more than what you're paying for it, but if I value it at 50,000 more, is that going to start just kind of skyrocketing things? There's no reason for me to say that this thing is worth 50,000 more because it doesn't do anything. So I'm just gonna say it's valued at what you're buying it for, and we're gonna call it good. And I'm not gonna be the reason that you know the market goes up. I don't, that's the only thing that I can think of from a reasoning standpoint, because otherwise, those numbers should not line up very often, I wouldn't think.
SPEAKER_01I know, and I and I just and I think what puts a bitter taste in agents' mouth and maybe lenders as well is when they go the other side. We always see at value, but then the only other time we rarely ever see, hey, your house is like 25k worth more worth 25k more than what you're offering right now. So great. That we only see the under. Like we only see either at or under. There is no above. Like, and I think that's where people get skeptical, and we should probably have an appraiser on here to defend themselves, but uh, because I don't want to over stereotype, but that's I think what people see and what agents see and what clients and buyers and sellers see is like at value, you got me at value, or we have to battle you to get decay up because you said it was worth 25k less. You know, you're so specific on when it's low, yeah, but you're never specific on when it's higher. Like it's just at value. So, anyways, just uh you kind of rants on this side, but I do see buyers and sellers have frustrations with that. That yeah, especially specific exact numbers, like oh, that's what my my house came in at the exact number that we offered. Like that's what you know. So, anyways, anyways, well it might be worth having an appraiser.
SPEAKER_00I don't I'm not sure how much they would probably be able to share. Yeah, but I would love to hear you know what that what does that look like?
Low Appraisals: Reconsideration and Negotiation
SPEAKER_01Because it's it's I don't know, every time there's something that's just like it's and maybe they can't share it, and maybe there's more to it than what I'm saying, but it's but I just uh yeah, it always gets me weirded out. But so on that note, with things that happen, say say the appraisal comes in low, you guys are the non you hired a non-biased person, what's the process? You know, we're 25k under. Appraiser says nope, 25k under, that's what it is. How do we go about is the are we done or is there a process to appeal that, or what's the what's the next steps for for buyers?
SPEAKER_00Yeah, so a couple different steps. Um we can do a ROV, which is a reconsideration of value, which just means that we are getting comps that were not used for the for the appraisal, or other, you know, we can first thing we're gonna do is we're gonna go through the report and figure out specifically with that home. Was there something missed? Do they, you know, did they put down because that's it's been something that's happened where it didn't say that there was a you know central air, and there was, and one that shows like four bedroom instead of five bedroom. And so we kind of go through and scrub it and make sure that whatever's on there is accurate, and if it's not, then we'll bring that to their attention and see if there's a revision made from that. And then if that doesn't produce anything, then we get we get comps that were so. Usually I would reach out to the listing agent and say, Hey, here's here's where here's where it came in at. Uh can you provide some comps maybe that you used for setting this price? And then we can compare that to what the appraiser has used. And if there's some comps on there that aren't used, we can send those into the appraiser. In my opinion, and everybody that I've worked with's opinion, um, they don't typically uh move the needle. Uh I mean it might, but it's gonna be like a couple thousand dollars, or they're just gonna say, Yeah, I saw those comps, but I didn't feel like they were um as good as mine. So no. So you can do it. There is a there is a process to doing it. It's not very hard. The lender can just essentially go through and and produce that, usually with the help of one or both of the agents that are working on it too, to show, like, hey, you know, let's try to make our case here for why we think it's valued higher than this. But if that doesn't work, then we're at a position where we need to make up twenty thousand dollars or however much we're short. So then it's a matter of how much is the buyer putting down because they might nothing might have to happen. And the buyer just says, All right, yeah, I'm I'm fine with it. It doesn't affect my numbers because I'm putting down, you know,$100,000. Yeah,$20,000. It's really not doing much. We love the house. I don't care if it's valued for$20,000 less than what we thought. You can just move forward, nothing changes. What'll get you is when you got somebody that's putting down, say, 5%, yeah, and it comes in 20 low. Now it's got to be either the price has to drop 20 grand, the buyer has to come in with 20 grand more, maybe you split the difference, or now it might eat into your closing costs or whatever. So it kind of becomes more of like a negotiating thing again of how can we how can we make this work with the numbers that we have. So more down payment uh in those scenarios, most of the time, just translates to all right, does it change my numbers at all? I work it up for them. No, you're putting down way more than 20%. This doesn't give you mortgage insurance, this doesn't change your rate, you don't have to do anything different. And they're like, all right, cool.
Working With a Responsive Lender
Wrap-Up and Subscribe
SPEAKER_01Sounds good. Okay, but interesting. Okay. Well, that answers a lot of the questions that we have and the concerns that that buyers, I think, and sellers have uh with appraisers. Um, yeah, I think the key is obviously just keeping in touch with your lender, and that's again, it's where those, you know, you can get the online lender and they work perfectly if you have the perfect scenario. But if you are a cog in the wheel or just a widget that they're pumping through and you need to get a hold of them on Friday night because the deal's closing on Tuesday and your appraisal came in like it's just yeah, this is the times that we've seen both sides of the story of having that that lender that gave them the best deal, and now we can't get a hold of the lender because it's weekends and they don't work weekends. Right. He might get a hold of me and my Daisy Dukes. Yes, yeah. Cody will answer on Halloween night in his Daisy Dukes if he asks. Right. That's the difference. Having a good lender that that will answer no matter what he's doing. Yes. Well, thanks, man. Yeah, I think those are the two bigger processes. The pre-approval. Go back in our other earlier podcast. We talked about the pre-approval process and then the appraisal process is kind of the bigger, the bigger hiccup for that sort of stuff. So but yeah, if you guys haven't already, subscribe to our venture podcast with Joe and Cody. We're on Apple, Spotify, all the fancy ones. So smash that like button. Smash what they say. Uh don't our kids will be like, don't ever say that. I think I did that once on a video. I said smash that, and Rory was like, What did you just say? Like basically, like I ruined my life. Like I'm like, you just like you can't come back from that now. He's like, You should just stop, never be on social media again. Like, yeah. It's like, bro, I'm trying to be cool here.
SPEAKER_00Yeah. Like that's what everybody else says, and they have a million followers.
SPEAKER_01Yes. Fair enough. Okay, man. Well, until next time, we'll uh chat with you later. Yep, sounds good. Have a good one. See ya. See ya.
