Rebranding Stress And Real Estate Tools That Help Sellers

A business name sounds like a logo detail until you realize it is the decision you will wear on every sign, email, and client introduction for years. We open with the real pressure behind a real estate rebrand, how to “date” a name before you commit, and why even small choices can feel permanent when you run your own shop. Along the way we swap the everyday moments that keep this work human, from kids’ sports to the kind of sunburn you cannot show up to a showing with.

Then we zoom out to the bigger reality of real estate and mortgage life: it is hard to turn work off. We talk honestly about work-life balance, why taking a simple 10-minute walk can feel impossible during “work hours,” and how home projects and family time compete with the constant urge to be productive. If you are an agent, lender, or business owner, you will recognize the see-saw between feeling behind at work and feeling behind at home.

On the practical side, we share what we are building for clients, including a seller net sheet calculator that helps homeowners estimate net proceeds with adjustable inputs like sale price, payoff, commissions, concessions, closing date, and taxes. We also dig into home appraisal and home inspection stories, including a $50,000 appraisal gap, why you often cannot just order a new appraisal, and the inspection surprise that exposed a rotted septic tank. And yes, we even talk about finding a grave on a property. If you are buying or selling a home, these are the real-world details that matter.

Subscribe, share the show with a friend, and leave a review, and tell us: what is the wildest appraisal or inspection surprise you have ever seen?

Transcript

Welcome And The Rebrand Dilemma

SPEAKER_01 0:00

Hey guys, we're back with another episode of Venture with Joe and Cody. I'm Joe Skipper, the owner of Skipper Realty Group, as it's named now. And that's Cody Wilham with Residential Mortgage. What's up, man? Hey I got the name. Yeah. The name's a the name's a thing. I gotta figure out what I'm gonna do. When are you gonna reveal that?

SPEAKER_00 0:18

Have you solidified the last one?

SPEAKER_01 0:20

We have one that we're kind of and I actually registered in LLC for it, but I just don't like I don't want to just get like down a rabbit hole and kind of feel like that's the one, and then you know, just because you think it's the one, I want to kind of take a second and think of it. You kind of want to date it.

SPEAKER_00 0:37

Date it wanna date it. I want to date it a little bit, see how it is.

SPEAKER_01 0:40

Like still have in, like it's yeah, so I don't know. It's it's a big move. I'm trying not to make it such a big move because it hopefully is the permanent move that you never have to do again, you know. And so I'm like trying not to put so much pressure on it, but it's you know, rebranding and everything is like the lion will stay. The lion's like there, so it's more of just the name around it, so it's not the end of the world. So right.

SPEAKER_00 1:02

Um you know what that reminds me of? Nothing to do with anything, but my uh eight-year-old who was setting up our our oldest, like he got a new Xbox, and so kind of a hand-me-down Xbox to the little bro. And so he was I was helping him set up a little account so that he could play one of the games, and you know, you have to create your username, and the names that he's picking are completely out of the brain of an eight-year-old, right? Yeah, you're like when you're 15 and you have to keep this account name, like, are you gonna want that? And he's like, Oh, you know, but it it reminded me of that of like the moment, it's hard to pick a name that you feel like you're gonna be good with for I know two years and 10 years and 20 years, like for sure.

SPEAKER_01 1:45

Yeah, that's funny you say that because I had I'm trying to think of like that on those names. Like, I did so when I did the PlayStation with the kids, I picked a username with all of our family in it, and it was Joe Roken, like Cora, Tina, Joe, Rowe, and uh and so it's like Joe Rokanin, like and all of Rory's friends are like, what is that name? That doesn't even make any sense. Blah blah is your dad there like Joe Rogan fan? They're like fuzzy banana 4532. I'm like, yours doesn't make sense either. Stop judging me. Mine has at least some personal like attachment. Might mean something. But they're like, this is such a dumb name. I'm like, okay, okay. I think like, yeah, Cora's is like fuzzy, bunny, whatever, whatever. And she was like, that's the one. I'm like, what's okay? So because the suggestions that those give you are like ridiculous.

SPEAKER_02 2:35

Yeah.

SPEAKER_01 2:35

Which actually helps you because you don't have to think about it. It just gives you some funny name or whatever that you can kind of pick. But it's um yeah, the name's coming, I don't know, hopefully soon, but we're just dating it, as you would say, right now. But we are gonna update the logo a little bit. It's kind of a cool, um, a cool slight tweak, but it'll kind of modernize it a little bit. So, anyways, good stuff coming up.

SPEAKER_00 2:57

I like it.

SPEAKER_01 2:58

Random note. I got this hat, I think this was the hat I was wearing. So flipped backwards. I think last week we went to Rory's Lacrosse games, two games back to back. Um, overcast, but sunny, you know, like you know, sunny-ish. And so I'm like, you know, just hanging out with my hat on backwards. And you can guess based on my skin tone, I had a like U-shape, you know, sunburn like on the bottom, like the white on the where the band is, and then just like the the half moon crescent shape. And

Usernames And A Brutal Sunburn

SPEAKER_01 3:30

I just did not know it until I got back later uh that I had my hat off, and the kid's like, what is on your face? It's like I thought you like slept weird, or I thought you put your face like onto something. He's like, it he's like, now that I see the hat, he's like, so I had the following day I had to I had to go with clients to see a house, like multiple houses. And some of these were like agent accompanied, and I was like, normally I don't wear a hat for that stuff. Sometimes, like, you know, I can pull off like a casual, you know, nice hat, but like nice clothes and you know, feel feel kind of casual. But I had to do it last like because I was like, I can't just not I I can't go into an agent like other agent, the listing agents there. Like I can't go to this and have this huge red like half moon circle with the line. I was like, but it's healing now, so that's good. Okay. I will learn in the future that I will yeah, I'll I'll learn in the future to not put my hat on backwards if I have showings the following day.

SPEAKER_00 4:28

So or you just throw it on backwards again.

SPEAKER_01 4:31

Yes, that's true. But then I was like, I can't, that's not professional either. Have a hat on backwards. Yeah. What else in my world? Oh, my parents were in town. My nephew got confirmed. So if you're not familiar with Catholicism, it's their confirmation, one of the sacraments. So he got confirmed this weekend. My parents were there. Nice. Had a golf tournament this weekend that I was part of. It wasn't anything big, it was at Charbonneau.

unknown 4:53

Okay.

SPEAKER_01 4:53

But fun to play with people there.

SPEAKER_02 4:55

Yeah.

SPEAKER_01 4:56

And then we're going to Vegas. So we're gonna take our nephew this weekend to Vegas, and so that should be fun. I'm gonna win a ton of money and I'll let you know how it goes. I'll probably fly the private jet back, you know, once I win that amount of money. Yeah starting with $20. Joe Skipper made three million. I'm jealous. But no, I love Vegas. Some people hate Vegas. I absolutely love it, and yeah, I'm looking forward to it. It's a family, it's more of a family-oriented one. So nothing, nothing inappropriate, Cody.

SPEAKER_00 5:24

Nothing crazy.

SPEAKER_01 5:25

Yeah. So that'll be fun.

SPEAKER_00 5:26

I've only been down there one time.

SPEAKER_01 5:28

I know you said that. I just like we need to change that. We need to change that.

unknown 5:33

Yeah.

SPEAKER_01 5:33

You need to get down there with us.

SPEAKER_00 5:35

I need to get down there. I'd love to go. I'd love to go down there, take my wife. She doesn't really have much interest in going down there. But I think it would be fun.

SPEAKER_01 5:41

Because I think in you know, most people's heads it's like just the crazy yeah, and crazy and drinking and whatever. Right. And you really can curate it for whatever you're doing. Like I said, like we're going with our nephew and family, and you know, you can go to nice dinners, you can go to nice shows. You don't even have to like, you know, entertain any of that kind of crazier life if you don't want to. And so it's kind of that's why I like it. I think you depending on who you go with, you can kind of cater the whole trip to you know just having a good time in whatever you like to do, whether that's just nice restaurants or you know, nice shows or gambling or whatever you want. So anyways, it doesn't look like a little blackjack here and there. You know, I'm gonna try, I'm gonna try some roulette. I'm gonna try some blackjack. Yeah, yeah.

SPEAKER_00 6:26

Uh I'll share with you off the podcast a strategy, a roulette strategy that was introduced to me.

SPEAKER_01 6:32

Okay. I'm I'm open to trying. I'm open to trying for sure. But yeah, how are you? What's going on? What happened last week? What's what's in your personal and work-related life?

SPEAKER_00 6:44

Honestly, not really a whole lot too crazy work-wise. Just kind of keep plugging away at at stuff. Been working on our uh our first-time homebuyer kind of packet class that that we've been talking about doing. So doing some doing some work on that.

SPEAKER_01 6:59

Boom. Thank you for doing that. That is like something I need to get on. So yeah.

SPEAKER_00 7:03

Yeah, just kind of plugging away. Uh, you know, from the personal side, it's sports right now with kids. We're we're kind of in the middle of that. I know you're kind of you're kind of always in the middle of it. We have seasons, so like spring and fall are our two kids that are playing sports right now. Our nice our daughter, so she's five, and we have not even introduced her yet to the fact that she could do certain sports if she wanted to. And so we're just gonna kind of probably ride that out a little bit. Did most until she's do that.

SPEAKER_01 7:30

Yeah, it's until she's so terrible because it's like you would never for your first child, you'd be experiencing everything with them. You'd be like, You need to try this, you need to try. The last one, you're like, Yeah, you you can wait till you're 17. Yeah, you don't need to play sports.

SPEAKER_00 7:44

She'll get to a point where she's like, Do I ever get to do anything, or do I just have to go to the boys' sports stuff?

SPEAKER_01 7:49

Exactly.

SPEAKER_00 7:50

Oh, yeah, you can. Yeah, what do you want to play?

SPEAKER_01 7:52

Yeah, yeah. You really want to, like, right? So true, and so sad. We even do it with Cora. Like, it's like we're like, uh, we don't want her to go on competitive right now. We gotta and Lori was like, I want to do this. We're like, okay, let's go all in. Sure, Cora. You support you. That's a lot of that's a lot

Family Plans And A Vegas Debate

SPEAKER_01 8:10

of sports. Seriously, so terrible. But anyways, yeah.

SPEAKER_00 8:13

Yeah. Yeah. And then just kind of we're we're like we're in that beginning stage of three fairly decent projects at the house. All outside property. You're building a barn, right? Yeah, so we're working on kind of the beginning stages of of building a barn and then fencing off some part of the property. And then um, we're gonna put in a just an above-ground pool and hot tub. Boom to kind of like have a little setup there. And then we are taking out a bunch of like bushes and old trees along the fence line, kind of by the house, and then just planting Arborvitae, Arborvita, Arborvita. I hear it called both ways. I don't know what the problem is.

SPEAKER_01 8:52

I think you sound a little bougier if you say arborvidae because you because that's more rare. You're like Arborvitae, and then it makes everyone else feel stupid when they're like, I'm not calling it Arborvita. Is it the how do you say it? And I'm not gonna ask him because I'm too afraid.

SPEAKER_00 9:05

Yeah, right. So yeah, just in the middle of that, trying to kind of balance that with the other stuff, but it's fun. I've been I've been trying to get Eli, our oldest, more and more into and he's starting to want to do it more of just like using a chainsaw and using the tractor and doing all these things that I think it's funny because as a kid, that was just what I grew up doing, and I did it at a pretty young age, so I didn't think much about it. But then when you're the parent, it feels so much different of like, is he old enough to do this? These are kind of like things that could easily kill him, and I don't want to be stupid about it, but I also want to introduce him to it. So he's been having a blast because when we've been cutting up these these trees and and big bushes, you know, they're like I think they're rotod rhododendron, maybe I don't remember, but they're huge, and so we're like cutting them all up, and he's just addicted to using the chainsaw right now and cutting everything up. So it's been it's been fun. He's he told me the other day, he's like, um, because he's starting to get into working out a lot more too. He's wanting to kind of build some muscle. And yeah, he's like, dude, my lats were were sore from yesterday. And he's like, I'm kind of starting to understand like how you can build muscle while you're working outside. So now I'm like even more excited to work on doing some of this stuff.

SPEAKER_01 10:21

I'm like, perfect, bring it on, yeah.

unknown 10:25

Yeah.

SPEAKER_01 10:25

Well, you'll have to um you'll have to show us on a we're gonna do a remote podcast of your place when it's all done, and we'll just kind of show everyone, everyone, your beautiful outside, because you'll have a little farm, you'll have a little uh highland cow. We'll have the cows and horses and goats and you can show this city boy some of your some of your farm life.

SPEAKER_00 10:45

Right. I'm I'm fighting this. My timelines for work projects are usually pretty skewed, where I'm like, Yeah, that's gonna take me two weeks to do that, and then it's two months. So I've already I've already like verbalized to my wife that all three of these projects are gonna be done this summer. So I'm kind of in that mode of like I gotta be getting on it while I I can. Yeah, for sure. Which is fun. It's still early enough. I'm not burnt out on any of it yet, but I know there will come a point where I'm like, I don't want to do anything. I know. Yeah, we were football season will be here and we'll be good to go.

SPEAKER_01 11:18

I know. Well, it was funny, like uh we were just talking about this morning of like in this line of work, you can always be doing something. And it and it's very difficult to not be doing something work related. And I was like thinking about it today, I was like, I could go take the dog for a walk at one in the afternoon, but I never feel like I can. Like it takes it takes actual hard effort to do something personal, you know, when you're running your own business, and it can really wear you out. But I don't know why we're going down this rabbit hole, but like your projects, it's like you could do you could set time for your projects and work around the work, but you don't, and you don't and you generally are like, I could be doing this work-related thing, and I, you know, it's just crazy. Like that's like it. I think the unknown about running your own shop or doing your work like this is that you could be doing even proactive stuff that you're like, I could be doing that. Like, yep. Why do I need to be working on my barn when I'm, you know, I could be doing that. So it's hard to do it. If you feel lazy in either way, you're either lazy in your personal life or you're lazy in your work life. Yep. And there it's like it seesaws back and forth, you know.

SPEAKER_00 12:26

Yeah. It's a tough balance for sure, because I I'll have that too. And like my wife will bring it up. She's like, why don't you just take a day off and do, you know, the projects that we you're not able to do on the weekend or this one thing. And I'm like, in my head, I'm like, I can't because I'm those are my work hours. Like, yeah, if I don't do that, yeah, yeah. It's kind of like the FOMO almost of like, what am I gonna be falling behind on, or what could I miss? Or and it's not as if I don't have my phone with me. So it's like I'm not gonna miss calls. I've got my computer at home, I have all these things, I could stop what I'm doing and go sure, you know, do it. But it's it's that mental block of like, no, I'm supposed to be working, and so therefore I need to go to work.

SPEAKER_01 13:08

I know, but I was thinking the same. I was like, okay, even if someone needed something in like getting back to them in an hour or two is not the end of the world. I wouldn't expect anyone. Like, it's not like you're getting a cancer diagnosis. It's like you literally had a question about like this house that just came on the market. It's I I just it's so funny because you always feel like, yeah, kind of a FOMO, kind of like, okay, I don't want to not help them, you know, not not right. But then you're just not doing any, like you just get into a not it's not even a rut, it's just to get into a habit of doing work all the time. Yes. Yeah. Anyways, maybe I'll walk the dog today. Maybe that's what I'm gonna do instead of real estate.

SPEAKER_00 13:46

Right. I thought on that the other day too. Because I'm like, I've been go ahead, go ahead. I've been trying to trying to incorporate walking a little bit more, just as a general, you know, try to get in a certain amount of time. Because you're becoming an old man, you know? I'm an old man, and uh yeah, and I was like, you know, I've been saying this for a long time. All it would take is me taking a 10-minute break and going and walking around the block a few times, you know, two or three times a day, and I could I could achieve what I want to achieve. But even with that, I'm like, well, I don't have time to go do that because I need to do these things and for sure.

SPEAKER_01 14:18

Even the meat heads I follow on

Big Yard Projects And Kid Work Ethic

SPEAKER_01 14:20

like social media that they're like do like 10 minutes like after you eat breakfast or 10 minutes after you eat lunch and ten minutes after dinner, that's it. And you're like, no, can't do that. How do I how do I fit that in? Yeah, that's crazy talk. But yeah, it is it is insane. But anyways, speaking of working proactively and doing too much, but is this is actually fun. Is we uh we said it in my our live stream this other day, the seller's net sheet that we're doing. Yeah. So a lot of like um we wanted to make a kind of something super easy for sellers to kind of see them what they're gonna net when they sell a home. So we made a calculator basically that's fully adjustable to say if you sell for this, you owe this much, you're paying the buyer's agent this, you're buying the seller's agent this, whatever that may be, you're giving concessions of this, your property taxes are this, you know, when you when you're gonna close. And it basically pumps out a number for you that's fully adjustable. If you're like, okay, well, if we sell for 10K more, what does that do? And so yeah, so we're just working on that. That should be coming out here soon. So if you're interested in it, let me know. But yeah, we wanted something that could provide, we can do that. Like we we've got apps and stuff that can do that. But I was like, I think as a seller, I'd want to just be able to play with that myself. And I'm sure there's stuff on Google or whatever, but I feel like we want to just have it in-house so that people can kind of all be a we can be a one-stop shop for that. So that's coming out. Yeah. Nice pretty soon.

SPEAKER_00 15:43

That's awesome. Well, and I feel like that there's there's some people that are like, no, I'm gonna leave that to you. You're the professional. I'll you know, I don't want to type in the wrong stuff. But I think in general, most people, myself included, it's nice to have those resources just to kind of play around with it, just to get an idea. Because otherwise it's like, man, I have no I don't know how much it costs, all the fees and closing costs and everything that goes into it. So it's like such a shot in the dark. So it's kind of nice to have that as a resource to go, all right, cool. This this at least gives me a general idea. You know, my numbers might not be correct here, but at least I'm probably within say ten thousand dollars.

SPEAKER_01 16:20

Yeah. And I think like that's the same thing in mortgage calculator. I think people use those all the time to kind of get general data. So the net proceeds, I was like, okay, that's kind of cool. And we can Yeah. We can do that. So now that I'm thinking about that, I'm thinking about doing a comparison, you know, like if you get multiple offers, you know. Oh, there you go. Yeah, and you can kind of calculate that. I'm writing it down right now. Sorry. I like it. I feel like we're recording, so you need to pay attention. But uh yeah, so that's coming out. But anyways, what sort of real estate stuff you got for us, man?

SPEAKER_00 16:52

Well, I uh I was gonna see, you know, we've we've talked about like different things that people look for on inspections and and appraisals and what comes up. Is there anything you can think of off the top of your head from like a like crazy experience or things that you that came up in an inspection or maybe in an appraisal to where you're like, whoa, that was I was not expecting that. Or uh I I have one in my mind that just fairly recently happened, so that's kind of what sparked it me. But I was curious, I don't know how much you see from probably not from so much from the appraisal side, but maybe the inspection side of like a random thing that just pops up and kills the deal.

SPEAKER_01 17:32

Now that you even think of now that you're saying that, I don't I have a pretty boring inspection history. Like I feel like with how long I've been doing it, I should have something that's like, yeah, we found a dead body, you know, like in the crawl space. Like yeah. And like, but I don't have anything. But speaking of dead bodies, actually, we had I was showing a property. No, I was showing a property to someone outside of Amity, and we were walking around the property and just kind of getting a feel for you know what it had. Location was kind of tear down and and build back up. But we found a a grave, like there's a tombstone in a grave on the property, just one boy. So, anyways, it was it was a family-owned property, and they buried, I think, grandma or whatever there. So we didn't end up making an offer on it, but it was just really unique. Like that, I guess what is unique is like is that a is that like a tombstone?

SPEAKER_00 18:24

Yeah, that's that's somebody's under that ground.

SPEAKER_01 18:26

Yeah, isn't that crazy? Wow, so that's crazy. That counts. But yeah, I think that counts. Yeah. Wasn't during an inspection, but definitely some a weird one for sure. But yeah, I haven't had anything. You know, you have the regular stuff, the mold, the rodents, the you know, all that stuff and crawl space and attic, but nothing nothing crazy besides a dead body, you know?

SPEAKER_00 18:45

No, like, yeah, no family of possums under the house or anything. No, like I yeah, I wish I had something cool.

SPEAKER_01 18:52

Like Yeah. I don't we don't we do a lot of rural properties, but not maybe if you were someone that's solely focused on like farms and things like that, maybe you'd find some more critter type things or stories like that. But nothing, nothing crazy. Underground storage tanks, those sort of random things, but nothing crazy. But what about appraisers? I haven't even had bad pr appraisal stuff. Knock on wood. I think out of the entire time that we have sold and bought homes, we've had only one appraisal come in low. Oh, that's right, and it got rectified. Yeah. Anyways, I don't even have appraisal cool appraisal stories. Do you have any? Wow, I have. Yeah, I have like, yeah, I absolutely do.

SPEAKER_00 19:32

Yeah, I mean I've had some where I had one crazy appraisal one where nothing property related necessarily, but the appraisal came in fifty thousand dollars under the purchase price. And I don't remember what year this was. This was probably this might have been pre-COVID. And came in fifty thousand under. Didn't make sense to anyone. We tried to kind of fight it and we just couldn't get anywhere. And we couldn't just order a new one because there was nothing that was blatantly bad about the appraisal. So um as a lender, I can order a new appraisal if if we can prove that the existing appraisal was uh bad. Like you gotta be able to find certain things that are just like this appraiser essentially is incompetent, like they missed this, they didn't do this, like, and then they can say, Okay, yes, let's get a new one. But if it's if you can't prove that and you just want to get a new one because of the number, well, you really can't because then you're just kind of you're just paying for somebody else to try to give you a better number. So this person had to go to a different lender because I couldn't just order a new appraisal. She did, she went to them, and the appraisal came in at the purchase price. So $50,000 swing in appraised value between two different appraisers. Which obviously is is maddening for me because

Work Life Balance And Walking Blocks

SPEAKER_00 20:51

like out of our control, I can't really do anything. But how in the world do you have two different appraisers that can appraise it that's drastically different? So that's not a super common thing, but that was one that kind of that stuck with me a little bit because I'm like, man, that sucks. Like I missed out on that opportunity because this appraiser apparently was trying to do whatever. But I had one just recently. Yeah. It wasn't an appraisal, it was an inspection related item. They did not get a uh we might have actually talked about this one, they got a septic inspection because they had to.

SPEAKER_02 21:21

Oh, yeah, yeah.

SPEAKER_00 21:22

And they were told the seller was told when she bought the house that it was a new septic tank. And turns out it was not a new septic tank. The whole thing was like rotted out. It was it was steel, and so it was just rusting. And the guy that was doing this. Yeah, she she got lied to. So she was like, you know, I haven't pumped it, we haven't had any issues, and it was new to me when I bought it. And turns out the guy that does the inspection is like, I have to, like, it is not safe for me to not take this thing out, you know. Whether you want me to or not, I I feel like I have to, and it was just completely rotted out. So that type of stuff I don't feel like happening. Happens very often, but it does make you wonder like after a certain amount of time, is there a point where the seller, you know, like the little seller disclosures that state, you know, what they do and don't know about the property? I wonder if there's a window of time where they could go back to that seller and say, Hey, you you gave me bad information, yeah, and now I had to do this. Like, if there's any record ramifications. Yeah.

SPEAKER_01 22:26

I think to not find out until 20 years later. I know. It's hard to prove. I think if it was super recent, like you know, you just bought the house two years later, you're selling it, and it that original buyer said it was new. You know, you could there's ramifications for that. But yeah, it's tough. Like it's always a he said, she said, or I didn't know, or you know, what do you how are you gonna prove that? Yeah, you could, but then it's gonna cost thousands and attorney fees and things like that. So yeah. Uh-huh. But you know, I've always thought this, and I think I've mentioned it before to you, is appraisals. Like it always comes in asking. Like, yeah, and it's fine. As a representing the buyer, it's like great. Sure. But it's like, or or I don't know if it's worse or better, but it's like, okay, the house is uh we paid $500,000 for the house, and they're like, it's worth five hundred and one thousand three hundred and forty-three dollars. I'm like, yes, okay. Uh where where is the one thousand three hundred forty-three dollars? Like, where did you like meticulously go through and say, hey, it's worth just this much more? It's just a funny, it's a funny thing. And I and I always I'm not knocking appraisers, and there are good ones and bad ones, probably just like any industry. But I'm like, fifty thousand dollar gap, you probably it's a luck of the draw of what appraiser, and there are lazy appraisers that are like, Yeah, what are you paying for it? Yeah, that's good. Like, you know, and there's ones that don't, you know. So you still with us? I'm here. Yeah. Yeah. So it's uh some that some that are good, some that are not. And it just 50,000 that would

Building A Seller Net Sheet Tool

SPEAKER_01 23:55

frustrate me beyond belief because Yeah. I I know that there's m way more work that goes into an appraisal than I know of, and I but I always tend to overgeneralize and be like, eh, they're just looking at the offer price and uh and I know they're doing more. I just like I, you know, depending on what side I'm on, I'm like I'm like really pro appraiser and really against it if I'm uh against it. So anyway.

SPEAKER_00 24:16

And I'd love to have an appraiser on. That would be kind of a cool thing. I don't know that they could I don't know that they could maybe be as straightforward as what everybody would like. For sure. But I would love to know if some of it is just essentially justifying the price.

SPEAKER_01 24:33

The price versus like actually finding out what the home's worth.

SPEAKER_00 24:36

Yeah, you know, that makes sense. I had one clients bought a year, maybe a year and a half ago, and they he got a job change, so he had to move. And so we before they moved, they refinanced and the refinance appraisal. So on a refinance, they don't know any of the numbers. They're just told okay, go out and appraise this home. You know, on a purchase, they get a copy of the contract, so they know the purchase price, they know if the seller's kicking in any any credits or anything like that. His appraisal and and keep in mind, this is in the market that we're in. Refinance happened just towards the end of last year. I want to say it was maybe middle of the year. Um, so the market's not like booming or anything. Yeah, yeah. Well, they went in with down payment assistance, so essentially no equity to start with, and they had I want to say that appraisal came in close to forty five thousand dollars higher in just a matter of a year. Wow. A thousand dollar home. Wow. Which was just crazy.

unknown 25:37

Yeah.

SPEAKER_00 25:37

I don't know. And again, that was a refi, so maybe on the purchase it was just like, okay, we'll just justify the price. Even though the comps might say it's higher, we're not going to appraise this thing for $4.15. We're just going to appraise it for $3.95 because that's what the price that's what everybody needs to move forward. Um, because I do know and I have heard that that some appraisers are they're not trying to inflate the market. So I think that's part of the reason why we don't see too many that come in higher. Yeah. Even though I don't know that an appraised value is has any type of stamp on it's it's all sold, right? So, but I don't know.

SPEAKER_01 26:13

It's always interesting to me because to me, I'm like, it should be what it is. Whether it's praise, like whether it was a $500,000 house and they were just wrong on what they offered and it's worth six hundred thousand. Yeah. Tough. Like I just, you know, but maybe it is. Maybe, maybe I'm not, you know, we don't, I don't, I don't personally know enough about it. But if you're listening and you're an appraiser, you should come on the show and talk to us about it. Because we'd love to hear like kind of what your thoughts are on it and the goods and the bads of that industry and kind of see what what you say about it. So if you're on, yeah, I I'd love to I'd love to have that because I'm complain. Don't don't comment to complain. Comment to get on, and then you can complain to us in person. Yeah, you can tell us how dumb we are, because I I could be very well just stupid. So yeah.

SPEAKER_00 26:58

Same here.

SPEAKER_01 26:59

Yeah. So that's the crazy. We have to been talking way too long. I don't want to go too much farther because we've been talking already too long. That's the problem with us, is we get into blab and we have this plan of like, let's give a ton of good information and then we just I blab about whatever I blap my my forehead sunburn for 25 minutes.

SPEAKER_00 27:16

So well, that is important though. You know, when you're lacking the hair, we only have so many options.

SPEAKER_01 27:23

I know, I know. I see these kids nowadays with all their lug luxurious locks, you know, and thick broccoli heads, and I'm like, oh man, I wish I had that.

SPEAKER_00 27:31

So it is all they care about.

SPEAKER_01 27:34

I know. Anything,

Weird Appraisals And Inspection Surprises

SPEAKER_01 27:35

any final words, anything you got for us before we head into the weekend? Just looking forward to some nice weather. Um, that's true. Yeah, it's but it's raining currently, but it should be starting to become spring again.

SPEAKER_00 27:48

Yeah. Yeah. No, really, I mean, from a work standpoint, just just trying to kind of keep pushing things out there, working on doing more classes, our first time homebuyer class, kind of like revamping some of the marketing stuff here. So it's kind of more of the behind the scenes type of planning stuff. So just nice trying to deep dive into that. Kind of like talking about our work life balance. That's another one of those balances that's hard for me because I don't feel like when I'm working on that stuff, it doesn't feel super productive. For sure. Even though I know I have to do it and we'll be able to do that.

SPEAKER_01 28:19

Yeah, and it will be productive. But yeah, yeah, it doesn't feel right necessarily. Yeah.

SPEAKER_00 28:25

Yeah. So I tend to put that stuff off. So I'm trying to kind of like focus this this week on just nailing a lot of that little stuff that I that's not time sensitive, but I know if I just keep kicking it down the road, it's it's never gonna get done.

SPEAKER_01 28:36

So for sure.

unknown 28:37

Yeah.

SPEAKER_00 28:38

How about you? Um you're going to Vegas.

SPEAKER_01 28:40

Yes, yes, going to Vegas this weekend. But yeah, doing the same things, kind of back end stuff, the the calculators and those sort of things to kind of help clients. We're doing, you know, our obviously our logo and our our name change is kind of a big on the forefront of our minds because that I think we have until next year, but it's like might as well, you know, you if you start buying marketing stuff and buying buying all this like trinkety stuff with your name on it, it's like you might as well just get it now because there's I don't want to be bumping up in the timeline and we have an overstock of old named gear, you know. So anyways, working on that and yeah, just the lacrosse dance, soccer. I got to coach Cora's soccer last week, uh fill in for Evan, who's their coach normally in spring, and it was it was good. I had a friend randomly, she was up with her uh um uh what what am I trying to say? Uh she was up watching another game and she's like, I heard you uh yelling, like I heard you yelling at Cora, and I recognized it was you. I was like, nice. Yes, but yeah, Cora takes a sign of a good coach. Yeah, Cora takes a good yelling from her dad, but I push her pretty hard, but she's she's definitely more sensitive than Rory is about it all. So I have to monitor that for a nine-year-old soccer game that I have to win.

SPEAKER_00 29:54

But I'm yeah, this is me as a coach. This is me, not as dad.

SPEAKER_01 30:01

So she still doesn't get that, but and Rory has the reminder, he's like, Corrant, dad did this to me ever since I started. And like this is just what it is. Like he wants the best, and you know, so he'll just stop screaming at a nine-year-old, but like, yeah, exactly, exactly. He's just like, just ignore it, look over at him, nod your head, and just like yeah, move on. So, but yeah, so that's it, man. Just the regular routine. But yeah, if you guys haven't already subscribe and like to venture with Joe and Cody, um head to our YouTube and social media. Um, and if you guys have any questions or issues with loans or selling or buying, let us know. We'd be happy to help you with it and um even just answer questions for you. So we're here to help.

SPEAKER_00 30:40

So we are here.

SPEAKER_01 30:42

Good to talk to you, man. And until next time, enjoy your trip. Yeah. Thank you. We'll talk soon. All right, man. Sounds good. See ya.