WEBVTT 00:00:09.039 --> 00:00:12.759 All right. Welcome to Good News York. It is Wednesday. 00:00:13.500 --> 00:00:16.100 It's April. It's spring, but there's snow on 00:00:16.100 --> 00:00:18.239 the ground. But we're not going to talk about 00:00:18.239 --> 00:00:20.300 that. That's not good news. This is good news. 00:00:20.420 --> 00:00:24.199 I'm Mike Brindisi, my producer, Danny Tripodi 00:00:24.199 --> 00:00:27.879 in the house. Matt is off giving to charity and 00:00:27.879 --> 00:00:31.320 doing pushups. So I am lucky enough to say I 00:00:31.320 --> 00:00:34.829 am here with the great Joe Doherty. One of our 00:00:34.829 --> 00:00:37.729 our clients at growth mode content, but more 00:00:37.729 --> 00:00:39.630 importantly a friend of ours a friend of the 00:00:39.630 --> 00:00:42.390 show Joe Welcome. Good morning. Happy to be here. 00:00:42.530 --> 00:00:44.189 Thanks. I'd shake your hand. I love it. I can't 00:00:44.189 --> 00:00:48.250 reach that far I'm glad you're here. We don't 00:00:48.250 --> 00:00:50.070 want to talk about the snow this morning, but 00:00:50.070 --> 00:00:53.890 not okay We're not because it's good news York. 00:00:54.289 --> 00:00:57.549 Well, here's the thing. I like snow Well, right. 00:00:57.549 --> 00:01:00.469 I mean I I people that you know friends and family 00:01:00.469 --> 00:01:02.850 that I know down south. They don't understand 00:01:03.020 --> 00:01:06.340 why I enjoy the snow and I tell them I love seasonal 00:01:06.340 --> 00:01:09.620 changes. I love the snow around the holidays. 00:01:10.229 --> 00:01:12.750 The problem, the only problem I have is when 00:01:12.750 --> 00:01:15.209 you get past New Year's, you get into February 00:01:15.209 --> 00:01:19.430 and March, I'm done. Now we're good. And the 00:01:19.430 --> 00:01:21.609 problem I have is that it just, they tease us 00:01:21.609 --> 00:01:23.569 with warm weather and then we go back to snow. 00:01:24.030 --> 00:01:25.989 You know, let's just have it one way or the other. 00:01:26.109 --> 00:01:27.170 Well, that's kind of what I was going to say. 00:01:27.650 --> 00:01:29.629 How would we know how beautiful it's going to 00:01:29.629 --> 00:01:31.409 be in the summer in Central New York if we didn't 00:01:31.409 --> 00:01:34.599 have these little days? We're battle tested. 00:01:34.859 --> 00:01:36.659 Yeah. One of my favorite quotes is you can't 00:01:36.659 --> 00:01:38.079 appreciate the light till you've been in the 00:01:38.079 --> 00:01:40.120 dark. You can't appreciate the good weather till 00:01:40.120 --> 00:01:43.280 you've been in the hideous cold. It's yin and 00:01:43.280 --> 00:01:46.180 yang. It's yin and yang. Listen, you are here. 00:01:46.560 --> 00:01:50.280 Joe Doherty, Joe Doherty mortgage team or cross 00:01:50.280 --> 00:01:53.180 -country mortgage. Yep. Same thing. Yeah. So 00:01:53.180 --> 00:01:57.280 you are a mortgage broker, but you also would 00:01:57.280 --> 00:01:59.540 you consider yourself a realtor as well? Nope. 00:02:00.000 --> 00:02:02.500 I mean, I cater to realtors. So basically I'm 00:02:02.500 --> 00:02:05.950 the money guy. Realtors take interest in people 00:02:05.950 --> 00:02:08.849 looking to buy homes. And I'm part of that team. 00:02:09.330 --> 00:02:10.949 I mean, I've been doing this for over 20 years. 00:02:10.949 --> 00:02:13.650 And we we have a pretty good playbook my team 00:02:13.650 --> 00:02:16.469 does on, you know, making sure we work hand in 00:02:16.469 --> 00:02:18.729 hand with realtors. And just for definition, 00:02:18.830 --> 00:02:21.210 a realtor is somebody that really shows unlock 00:02:21.210 --> 00:02:23.689 stores, make sure somebody wants to buy the house 00:02:23.689 --> 00:02:26.330 and then when they you know, When they're ready 00:02:26.330 --> 00:02:28.770 to move forward with a home We're right there 00:02:28.770 --> 00:02:31.069 behind him with the money the mortgage the financing 00:02:31.069 --> 00:02:33.270 the consultation to make sure that they know 00:02:33.270 --> 00:02:37.830 what they're getting into and yeah You you you're 00:02:37.830 --> 00:02:40.789 the guy that's gonna find the best rate and the 00:02:40.789 --> 00:02:44.229 best mortgage option Yep for the potential buyers 00:02:44.229 --> 00:02:47.610 Correct. Yeah, we go through a pretty extensive 00:02:47.610 --> 00:02:51.560 application process educate our clients to make 00:02:51.560 --> 00:02:53.719 sure they know what they're getting into. We 00:02:53.719 --> 00:02:55.819 break it up into, you know, are they a first 00:02:55.819 --> 00:02:58.560 time home buyer? Are they an investor? Are they 00:02:58.560 --> 00:03:00.939 a move up buyer? Are they somebody that's been 00:03:00.939 --> 00:03:02.520 through their life empty nesters and they're 00:03:02.520 --> 00:03:05.000 looking to downsize. So we take all that into 00:03:05.000 --> 00:03:07.680 consideration and make the best recommendation 00:03:07.680 --> 00:03:09.520 possible. I mean, there's a lot of different 00:03:09.520 --> 00:03:12.080 mortgage programs out there. I'm lucky enough 00:03:12.080 --> 00:03:14.780 to say across country, we pretty much participate 00:03:14.780 --> 00:03:17.939 in everything that exists. And then some really 00:03:17.939 --> 00:03:19.800 great company. In fact, the number one retail 00:03:19.800 --> 00:03:23.479 lender in the country right now. We have the 00:03:23.479 --> 00:03:26.860 most top 1 % loan officers in the country. So 00:03:26.860 --> 00:03:30.340 we're like, Really really love what we do and 00:03:30.340 --> 00:03:33.539 it shows in our numbers and how many people we 00:03:33.539 --> 00:03:36.360 help I'm blessed to say that I've helped at least 00:03:36.360 --> 00:03:39.080 6 ,000 people get their first homes in my career 00:03:39.080 --> 00:03:41.219 and it's it's pretty rewarding little stressful 00:03:41.219 --> 00:03:43.840 It's very if you've ever bought a house. I've 00:03:43.840 --> 00:03:47.039 bought I've bought I've bought and sold multiple 00:03:47.039 --> 00:03:50.300 houses my wife and I had a rental property or 00:03:50.300 --> 00:03:55.460 two for a short time and You know, there's obviously 00:03:55.460 --> 00:04:00.409 a way to train and learn and go to school for 00:04:00.409 --> 00:04:02.930 this kind of stuff. Then there's also the just 00:04:02.930 --> 00:04:04.930 the guerrilla way, which is my way. I just learned 00:04:04.930 --> 00:04:08.090 by doing it. Yep. Did you what what what kind 00:04:08.090 --> 00:04:10.389 of training did you did you go through? If any 00:04:10.389 --> 00:04:13.189 at all? And how do you how do you? Interesting. 00:04:13.370 --> 00:04:16.230 Learn all that stuff. Very interesting. Well, 00:04:16.269 --> 00:04:19.110 a lot of it every I always tell people that I 00:04:19.110 --> 00:04:21.050 train and loan officers, I've trained some some 00:04:21.050 --> 00:04:23.029 loan officers that have gone off to be top producers. 00:04:23.050 --> 00:04:26.810 So I really love doing that as well. And interestingly, 00:04:27.470 --> 00:04:30.189 And this is talked about a lot. They don't really 00:04:30.189 --> 00:04:33.430 teach a lot in school or in the secondary education 00:04:33.430 --> 00:04:38.829 system about how to actually take financial responsibility 00:04:38.829 --> 00:04:40.569 in your life, how to get a mortgage. There's 00:04:40.569 --> 00:04:43.750 no class on it. So when I'm getting borrowers, 00:04:43.930 --> 00:04:45.790 especially first time home borrowers, they're 00:04:45.790 --> 00:04:47.930 like, so is this like getting a credit card? 00:04:49.829 --> 00:04:52.730 I just got a car so I know what this is about. 00:04:53.069 --> 00:04:55.310 Like, no, no, you don't. You know, it's a whole 00:04:55.310 --> 00:04:57.990 different thing. So we have to. Really educate 00:04:57.990 --> 00:05:01.850 everybody that gets into it And so there is no 00:05:01.850 --> 00:05:04.149 real formal training. I mean there's a couple 00:05:04.149 --> 00:05:08.709 of Companies out there that take you through 00:05:08.709 --> 00:05:12.069 like an online training program, but Most of 00:05:12.069 --> 00:05:13.709 what you learn you have to go under somebody 00:05:13.709 --> 00:05:15.790 that's done it for a while and have a mentor 00:05:15.790 --> 00:05:19.209 and shadow them and To understand how to do it 00:05:19.209 --> 00:05:21.870 I always say it takes about a year to really 00:05:21.870 --> 00:05:25.009 wrap your brain around how the whole real estate 00:05:25.009 --> 00:05:29.529 Transaction cycle works, you know, you have the 00:05:29.529 --> 00:05:32.170 realtor component in New York, of course, there's 00:05:32.170 --> 00:05:35.139 more red tape in good news York, there's more 00:05:35.139 --> 00:05:38.040 nice, which is consumer advocates to protect 00:05:38.040 --> 00:05:40.819 people. But there's more players involved in 00:05:40.819 --> 00:05:42.959 real estate transaction. We're considered an 00:05:42.959 --> 00:05:45.220 attorney state. So you'll typically have an attorney 00:05:45.220 --> 00:05:48.720 when you're buying. But to go back to your question 00:05:48.720 --> 00:05:52.319 on, you know, how did I get into it? I started 00:05:52.319 --> 00:05:56.980 as a financial advisor. Funny story, like when 00:05:56.980 --> 00:06:01.790 I had my first son, Aiden, and ironically, he's 00:06:01.790 --> 00:06:04.829 getting into the business now. He's 26. I tried 00:06:04.829 --> 00:06:08.389 to tell him, no, do something else. But it's 00:06:08.389 --> 00:06:12.269 going to be great. I was like, I got to do something 00:06:12.269 --> 00:06:16.750 important. You know, I got to feel like business, 00:06:17.050 --> 00:06:18.870 you know, white collar, I went out and got a 00:06:18.870 --> 00:06:22.089 suit. And I'm like, took my financial advisement 00:06:22.089 --> 00:06:25.319 testing through the state of New York and From 00:06:25.319 --> 00:06:27.459 there kind of transition into lending. I found 00:06:27.459 --> 00:06:29.459 it a little more rewarding to see people buy 00:06:29.459 --> 00:06:31.519 their first homes. Absolutely. To see people 00:06:31.519 --> 00:06:34.500 go through the actual experience of that. Yeah. 00:06:34.540 --> 00:06:37.639 And I've been doing it ever since and learning 00:06:37.639 --> 00:06:42.180 how to do it properly really takes years of experience 00:06:42.180 --> 00:06:46.560 because you have to really know the psychology 00:06:46.560 --> 00:06:49.410 of why people are buying a home. It's probably 00:06:49.410 --> 00:06:51.949 one of the most emotionally charged purchases 00:06:51.949 --> 00:06:55.209 that people will ever do. You know, you're absolutely 00:06:55.209 --> 00:06:56.949 right. You know, there's a running joke in my 00:06:56.949 --> 00:06:59.350 house. My daughter, she can't make decisions. 00:06:59.389 --> 00:07:01.129 So we'll be like, what do you want for dessert? 00:07:01.230 --> 00:07:03.110 You want, you know, half moon or you want cookies? 00:07:03.550 --> 00:07:06.230 And we joke she acts like she has to buy a house. 00:07:06.250 --> 00:07:08.949 She's buying a house. She can't decide because 00:07:08.949 --> 00:07:12.250 that really is the metric for, you know, when 00:07:12.250 --> 00:07:15.449 you think of big decisions to make. Yep. That's 00:07:15.449 --> 00:07:20.199 one of them. Sure. Before before I go on Continue 00:07:20.199 --> 00:07:21.860 on this I want to just circle back real quick 00:07:21.860 --> 00:07:24.079 to what you said about school that is you know 00:07:24.079 --> 00:07:25.860 You said there's no you know, there's no training 00:07:25.860 --> 00:07:28.120 in school for this kind of stuff I have been 00:07:28.120 --> 00:07:30.839 such an advocate for You know, there's a lot 00:07:30.839 --> 00:07:32.560 of jokes on the internet of like, you know while 00:07:32.560 --> 00:07:35.019 we were square dancing in PE class You know, 00:07:35.019 --> 00:07:36.639 we should have been basically learning how to 00:07:36.639 --> 00:07:39.040 do our taxes learning how to deal with mortgages 00:07:39.040 --> 00:07:42.000 this stuff I mean, don't you feel like that is 00:07:42.000 --> 00:07:44.060 something that could and should be woven into 00:07:44.060 --> 00:07:46.990 the public education system. I've been Speaking 00:07:46.990 --> 00:07:49.269 on this for 20 years. Yeah, you know and my kids 00:07:49.269 --> 00:07:50.870 see him go through school and like you said, 00:07:50.870 --> 00:07:52.689 they're square dancing They're doing the parachute 00:07:52.689 --> 00:07:54.569 game teach them. They're like, hey, we don't 00:07:54.569 --> 00:07:56.110 know what to do today Let's put him in dodgeball, 00:07:56.110 --> 00:07:58.790 which I do don't dodgeball. I agree with dodgeball 00:07:58.790 --> 00:08:03.110 They have to keep but I actually went to the 00:08:03.110 --> 00:08:05.550 school where I went to in Weed Spore and I talked 00:08:05.550 --> 00:08:07.500 to the business teacher, you know, they have 00:08:07.500 --> 00:08:09.079 those electives. Yeah, they don't really put 00:08:09.079 --> 00:08:11.279 a lot of emphasis on the business classes like 00:08:11.279 --> 00:08:13.579 hey, this is a half year. Sure. And the guy's 00:08:13.579 --> 00:08:16.300 like, well, this is and I was like, hey, you 00:08:16.300 --> 00:08:17.879 want me to come in and do some guest speaking 00:08:17.879 --> 00:08:21.139 on, you know, for the kids to get their finances 00:08:21.139 --> 00:08:23.439 in order, their ducks in a row to be able to 00:08:23.420 --> 00:08:25.579 become a homeowner, just so it's not that they 00:08:25.579 --> 00:08:27.860 should start buying homes. Right. I shot high 00:08:27.860 --> 00:08:29.920 school, but but they should know gives them an 00:08:29.920 --> 00:08:31.800 idea of what their parents went through if they 00:08:31.800 --> 00:08:34.419 own a home, if you know or how to jump and they 00:08:34.419 --> 00:08:35.980 were just had no interest. They're like, no, 00:08:36.080 --> 00:08:37.360 we don't we don't want to do that. And it blows 00:08:37.360 --> 00:08:40.399 my mind because no idea why. You know, a lot 00:08:40.399 --> 00:08:42.340 of the times the things that we learn, some of 00:08:42.340 --> 00:08:44.580 the things that we learn in in public school, 00:08:45.259 --> 00:08:48.600 it's great. It's all relative, but you don't 00:08:48.600 --> 00:08:53.899 use 70 % of it. most of the time. I don't understand 00:08:53.899 --> 00:08:57.480 why we wouldn't have more emphasis on economics, 00:08:57.919 --> 00:09:00.600 mortgages, learning how to balance your finances, 00:09:01.259 --> 00:09:03.960 doing your taxes. I always rave about media literacy. 00:09:04.059 --> 00:09:06.519 That's a whole separate topic, all the problem 00:09:06.519 --> 00:09:08.879 with misinformation and disinformation. We really 00:09:08.879 --> 00:09:11.299 need to catch people up on that. They cross paths. 00:09:11.299 --> 00:09:13.659 They absolutely do. Because now, to your point 00:09:13.659 --> 00:09:17.360 with the economics, It's like a big media craze. 00:09:17.440 --> 00:09:19.879 Everyone's talking about terror. And everyone's 00:09:19.879 --> 00:09:23.820 a specialist now, all of a sudden. And as you 00:09:23.820 --> 00:09:25.799 can imagine, that's very frustrating for somebody 00:09:25.799 --> 00:09:28.100 like me, who actually can read through the red 00:09:28.100 --> 00:09:29.779 tape, look at everything, and it's, you know, 00:09:29.919 --> 00:09:32.320 people are... That's not how it works. Exactly. 00:09:32.480 --> 00:09:34.019 But if they learned in high school, had some 00:09:34.019 --> 00:09:36.100 of these fundamentals... Well, that's the thing. 00:09:36.299 --> 00:09:39.240 You can't even get really mad at them because 00:09:39.240 --> 00:09:41.460 it's, a lot of times, it's not their fault. It's 00:09:41.460 --> 00:09:43.460 like you don't know because you were never taught. 00:09:43.600 --> 00:09:45.899 Yeah, exactly read one article and now you're 00:09:45.899 --> 00:09:48.279 yep. I have my son all the time a teenager as 00:09:48.279 --> 00:09:50.960 well He comes up to me Liam. He's like showing 00:09:50.960 --> 00:09:54.840 me some tik -tok Realtor investment scheme that 00:09:54.840 --> 00:09:57.259 some kids selling, you know an info product on 00:09:57.259 --> 00:09:59.440 or creating his click fund I'm like, no dude, 00:09:59.639 --> 00:10:06.139 that's bullshit. Yes But back to what we were 00:10:06.139 --> 00:10:10.000 saying if I can remember you know, you're you're 00:10:10.000 --> 00:10:13.370 talking about Helping so many people and and 00:10:13.370 --> 00:10:15.450 you know you and I know each other a bit now 00:10:15.450 --> 00:10:17.230 and you have you have such a good heart and and 00:10:17.230 --> 00:10:21.769 I do too almost to a fault and It there there 00:10:21.769 --> 00:10:24.629 is that element. I think would you say that maybe 00:10:24.629 --> 00:10:28.970 that's that's probably the The crux of why you're 00:10:28.970 --> 00:10:30.529 you're doing it and why you're still doing it 00:10:30.529 --> 00:10:32.789 because there's a lot of work to be done There's 00:10:32.789 --> 00:10:35.269 a lot of research a lot of bullshit to go through 00:10:35.269 --> 00:10:38.210 But I is the payoff really when when when you 00:10:38.210 --> 00:10:40.070 see somebody get what they need and what they 00:10:40.070 --> 00:10:43.980 want most days Yeah, I mean, obviously there's 00:10:43.980 --> 00:10:46.440 challenging days where of course, you know and 00:10:46.440 --> 00:10:48.860 on top of all that the industry changes quite 00:10:48.860 --> 00:10:54.039 a bit sure As the economy changes the mortgage 00:10:54.039 --> 00:10:56.779 securities changes which which all goes and bleeds 00:10:56.779 --> 00:11:00.200 down to the consumer Learning the psychologies 00:11:00.200 --> 00:11:03.179 of people's can be put a lot of pressure all 00:11:03.179 --> 00:11:05.360 in all I really love what I do and I'll give 00:11:05.360 --> 00:11:07.440 you a couple examples why please you know, I'm 00:11:07.440 --> 00:11:11.080 able to Like most recently help a refugee by 00:11:11.080 --> 00:11:13.000 their first house who went through immigration 00:11:13.000 --> 00:11:16.860 worked very hard saved their money and when you 00:11:16.860 --> 00:11:21.139 look at Those instances in those families and 00:11:21.139 --> 00:11:22.860 you're at the closing table and you hand them 00:11:22.860 --> 00:11:25.600 the keys to their house It's like you're seeing 00:11:25.600 --> 00:11:27.779 in real time the American dream come true 100 00:11:27.779 --> 00:11:31.820 % and it's just like very emotional and they're 00:11:31.820 --> 00:11:33.620 More appreciative than anything you could ever 00:11:33.620 --> 00:11:37.909 imagine I do a lot of mortgage rescuing as well, 00:11:38.210 --> 00:11:39.870 where people have been turned down by multiple 00:11:39.870 --> 00:11:42.509 banks. And then finally, a realtor is like, try, 00:11:42.889 --> 00:11:44.889 we have a pretty good reputation, you know, if 00:11:44.889 --> 00:11:47.549 we can't do it, nobody can kind of thing. And 00:11:47.549 --> 00:11:52.570 unfortunately, when people do apply for things, 00:11:53.049 --> 00:11:55.009 they're fearful about getting turned down or 00:11:55.009 --> 00:11:57.450 getting rejected. And we don't use words like 00:11:57.450 --> 00:11:59.909 declined or rejected and stuff. We, you know, 00:11:59.909 --> 00:12:02.909 I have my team, like, we just need another roadmap 00:12:02.909 --> 00:12:04.990 to get you there. Yeah, you know, we put them 00:12:04.990 --> 00:12:06.950 on a path and a roadmap. That's something we 00:12:06.950 --> 00:12:10.289 do. And I take a lot of passion in but I recently 00:12:10.289 --> 00:12:13.230 had a veteran who was turned down literally by 00:12:13.230 --> 00:12:16.710 the top two national veteran lending institutions 00:12:16.710 --> 00:12:19.529 in the country. And I took a look at it. It was 00:12:19.529 --> 00:12:22.070 a little bit of a Hail Mary, but I was able to 00:12:22.070 --> 00:12:23.610 find a way to get it done. And we just closed 00:12:23.610 --> 00:12:26.649 last week. And he was like, brother, you you 00:12:26.649 --> 00:12:29.009 just changed my whole family's life, you know, 00:12:29.049 --> 00:12:32.519 relocating here and he's actually using the GI 00:12:32.519 --> 00:12:34.220 Bill to go to school at SU and he's going to 00:12:34.220 --> 00:12:36.840 be a doctor. It's an incredible story. So it 00:12:36.840 --> 00:12:39.279 feels amazing in those instances when you can 00:12:39.279 --> 00:12:41.059 when you can do that for somebody. Yeah, I mean, 00:12:41.179 --> 00:12:44.440 we hear over decades. We've heard the story of, 00:12:44.440 --> 00:12:46.980 you know, people came here for the American dream, 00:12:46.980 --> 00:12:48.759 the American dream. And, you know, as you're 00:12:48.759 --> 00:12:50.720 talking, I'm realizing you're one of the guys 00:12:50.720 --> 00:12:53.659 on the front lines of facilitating the American 00:12:53.659 --> 00:12:57.059 dream, like genuinely. And that's that's special, 00:12:57.259 --> 00:13:01.549 man. I appreciate that. No, I mean it. It's amazing. 00:13:01.750 --> 00:13:04.950 I would imagine when a new presidential administration 00:13:04.950 --> 00:13:08.370 comes in So is it like every four years does 00:13:08.370 --> 00:13:10.029 everyone in your company like kind of hold their 00:13:10.029 --> 00:13:12.590 breath like here we go Does it does it like a 00:13:12.590 --> 00:13:15.490 complete shakeup? When a new administration comes 00:13:15.490 --> 00:13:17.370 in or is it just like a little bit of a bump? 00:13:18.149 --> 00:13:21.289 Not as much as recently, but yeah, there's always 00:13:21.289 --> 00:13:24.230 some kind of shakeup and you're always wondering 00:13:24.230 --> 00:13:28.899 there's always a the mentality with investors 00:13:28.899 --> 00:13:31.759 and the public that are on eggshells when they 00:13:31.759 --> 00:13:33.299 see what the economic outlook is going to be 00:13:33.299 --> 00:13:34.899 and what the policy is going to be for a new 00:13:34.899 --> 00:13:38.759 administration. But the reality is that there's 00:13:38.759 --> 00:13:43.440 very little political influence in the Federal 00:13:43.440 --> 00:13:45.940 Reserve and monetary policy. They do a pretty 00:13:45.940 --> 00:13:48.179 good job. And, you know, there might be conspiracy 00:13:48.179 --> 00:13:49.600 theorists out there like, Oh, no, you don't know. 00:13:50.080 --> 00:13:52.899 I get that. But if you actually look at Bureau 00:13:52.899 --> 00:13:55.039 of Labor Statistics, and you look at you file 00:13:55.039 --> 00:13:57.759 bond yields, and you kind of take an unemotional 00:13:57.759 --> 00:14:00.700 and influence look at the markets, you could 00:14:00.700 --> 00:14:02.539 determine where things are going to go. And, 00:14:02.759 --> 00:14:07.039 you know, to comment on the recent economic volatility, 00:14:07.360 --> 00:14:09.960 which is very high, which makes people very nervous. 00:14:10.259 --> 00:14:13.240 It was bound to happen. I mean, we went through 00:14:13.240 --> 00:14:16.340 the largest mortgage crisis of our generation 00:14:16.340 --> 00:14:20.580 in 2008, which the Fed had to put downward pressure 00:14:20.580 --> 00:14:23.259 on rates to stimulate home ownership, foreclosure 00:14:23.259 --> 00:14:26.980 crisis, COVID. There was bound to be inflationary 00:14:26.980 --> 00:14:29.279 problems when we pumped that much money and dilute 00:14:29.279 --> 00:14:31.179 the value of the dollar into the economy. So 00:14:31.179 --> 00:14:33.759 they had to raise rates. And rates go up, and 00:14:33.759 --> 00:14:36.320 it shakes the market up. Sure. Inevitably, these 00:14:36.320 --> 00:14:40.259 bubbles flatten out over time. A lot of investors 00:14:40.259 --> 00:14:42.139 get rich on volatility. They're like, look at 00:14:42.139 --> 00:14:44.960 this dip. They know it's going to go back up. 00:14:45.460 --> 00:14:49.139 That's right. That's right. So it could be disconcerting. 00:14:50.159 --> 00:14:53.500 And the biggest shame is people waiting on the 00:14:53.500 --> 00:14:55.159 sidelines because they think they can time the 00:14:55.159 --> 00:14:58.139 market. And to your point, the media discernment, 00:14:58.200 --> 00:15:00.259 you said people don't know the difference between. 00:15:01.250 --> 00:15:04.669 There's so much basic propaganda and misinformation 00:15:04.669 --> 00:15:08.549 and disinformation. And again, I go back to saying 00:15:08.549 --> 00:15:10.490 you want to get mad at these people for falling 00:15:10.490 --> 00:15:13.070 for all of this stuff, but we don't have media 00:15:13.070 --> 00:15:16.330 literacy woven into public education to be able 00:15:16.330 --> 00:15:18.149 to spot those kind of things. But it's actually 00:15:18.149 --> 00:15:20.330 getting even harder now with AI. I mean, AI is 00:15:20.330 --> 00:15:23.769 not just thoughts anymore. They're creating AI. 00:15:23.769 --> 00:15:27.049 I mean, image videos. It's unbelievable. It's 00:15:27.049 --> 00:15:29.409 ridiculous. Like, you know, I preach about not... 00:15:29.200 --> 00:15:31.580 you know, misinformation and disinformation, 00:15:31.740 --> 00:15:34.200 I'm falling for the shit half the time too. I 00:15:34.200 --> 00:15:36.419 find myself doom scrolling on these AI stuff 00:15:36.419 --> 00:15:40.779 and I'm like, how? It's bizarre. It's unbelievable. 00:15:40.980 --> 00:15:44.139 But yeah, and people think now that they understand 00:15:44.139 --> 00:15:46.919 how the market works and because they saw a couple 00:15:46.919 --> 00:15:49.519 of TikTok videos and that's frustrating. You 00:15:49.519 --> 00:15:52.799 look at the kids and I often wonder, you know, 00:15:52.980 --> 00:15:56.059 how much of this is going to teach them how to 00:15:56.059 --> 00:15:58.919 have better Think it'd be like a way to spin 00:15:58.919 --> 00:16:01.059 it. Yeah, you know, are they gonna be like because 00:16:01.059 --> 00:16:03.840 they're in the thick of it that they're gonna 00:16:03.840 --> 00:16:08.360 have to have better Discernment, you know, yeah, 00:16:08.559 --> 00:16:10.820 I think I think it's gonna it's gonna force us 00:16:10.820 --> 00:16:14.950 all to really take the time to Look into what 00:16:14.950 --> 00:16:17.350 we're viewing and what we're reading and and 00:16:17.350 --> 00:16:20.129 and really it's gonna take someone to get burned 00:16:20.129 --> 00:16:22.970 really bad financially Yeah, I mean to apply 00:16:22.970 --> 00:16:25.450 it to this. Yeah before they go Maybe I should 00:16:25.450 --> 00:16:28.450 stop taking advice from mortgage people on tik 00:16:28.450 --> 00:16:31.389 -tok. I should call Doherty Joe Doherty Speaking 00:16:31.389 --> 00:16:36.429 of you know, Joe Doherty Mortgage and Joe Doherty 00:16:36.429 --> 00:16:39.850 mortgage team. Yep, and cross -country. Sure. 00:16:39.909 --> 00:16:44.279 Yeah. Yeah what um What sets cross -country mortgage 00:16:44.279 --> 00:16:46.700 apart in terms of like your customer service 00:16:46.700 --> 00:16:49.419 and your loan options like what? I'm I want to 00:16:49.419 --> 00:16:52.039 come to there. You know there's dozens of your 00:16:52.039 --> 00:16:54.200 types of companies Why why am I coming to you? 00:16:54.440 --> 00:16:57.059 I mean, I know yeah I love you, but but for the 00:16:57.059 --> 00:16:58.720 for the regular person what what kind of sets 00:16:58.720 --> 00:17:01.379 you apart? What's your process? I think that's 00:17:01.379 --> 00:17:02.840 great quite. Thank you for letting me answer 00:17:02.840 --> 00:17:05.079 that question, so I'm not gonna let you moving 00:17:05.079 --> 00:17:13.440 on Times up so Setting ourselves apart is we 00:17:13.440 --> 00:17:17.099 take a really highly consultative approach to 00:17:17.099 --> 00:17:21.299 it. And we take somebody buying a home as a big 00:17:21.299 --> 00:17:23.119 investment in their life, which it is most of 00:17:23.119 --> 00:17:28.279 the time. So we teach our customers through education. 00:17:28.460 --> 00:17:31.180 We'll do like side by side analysis. We make 00:17:31.180 --> 00:17:33.579 sure that they feel very comfortable moving forward 00:17:33.579 --> 00:17:37.700 with big decisions. It's a very fast market right 00:17:37.700 --> 00:17:41.420 now. in the instance of first -time home buyers, 00:17:42.799 --> 00:17:45.240 our borrowers don't just come in, fill out an 00:17:45.240 --> 00:17:46.779 application, we're like, okay, here you go, you're 00:17:46.779 --> 00:17:48.819 approved up to this, good luck. We take them 00:17:48.819 --> 00:17:51.319 through a whole set of coaching to make sure 00:17:51.319 --> 00:17:53.240 they know what they're getting into. We then 00:17:53.240 --> 00:17:56.059 work with the realtor to help co -pilot the whole 00:17:56.059 --> 00:17:58.920 situation for them. It's very hand -holding, 00:17:58.920 --> 00:18:02.059 so that sets us apart. Cross -country mortgage 00:18:02.059 --> 00:18:06.720 nationally is a really pro business, which bleeds 00:18:06.720 --> 00:18:12.769 down to the customer. highly Qualified loan officer 00:18:12.769 --> 00:18:15.410 situation the owner of our company Ron. It was 00:18:15.410 --> 00:18:18.549 a loan officer So everything that he does takes 00:18:18.549 --> 00:18:23.529 the client approach to our business and So when 00:18:23.529 --> 00:18:27.599 you look at everything that we have And we have 00:18:27.599 --> 00:18:30.980 competitors that have similar products, and there's 00:18:30.980 --> 00:18:32.720 some right in our community that do a great job 00:18:32.720 --> 00:18:35.200 that I love. With cross country mortgages, the 00:18:35.200 --> 00:18:37.339 reason I put my license with them is that I feel 00:18:37.339 --> 00:18:39.720 like we just go a little bit above and beyond 00:18:39.720 --> 00:18:42.900 when it comes to that service piece of it, educating 00:18:42.900 --> 00:18:47.740 our clients, making sure we're putting the right 00:18:47.740 --> 00:18:51.349 programs. first time home buyer programs, everything 00:18:51.349 --> 00:18:53.829 in place to make our customers feel comfortable 00:18:53.829 --> 00:18:56.069 moving forward with buying a home. That's ultimately 00:18:56.069 --> 00:18:58.930 what they want to do. It's hard to do and we 00:18:58.930 --> 00:19:02.210 don't kind of gloss over it. Love that man that 00:19:02.210 --> 00:19:03.589 makes sense. I mean, yeah, it makes complete 00:19:03.589 --> 00:19:05.130 sense because I was gonna ask You know, how do 00:19:05.130 --> 00:19:07.170 you and your team simplify the mortgage process 00:19:07.170 --> 00:19:09.829 for first -time homebuyers? Yeah, I mean you 00:19:09.829 --> 00:19:12.890 just answered it and I think that the hand -holding 00:19:12.890 --> 00:19:14.829 thing You know that can when you hear about having, 00:19:15.029 --> 00:19:16.930 you know hand -holding you think of it as a negative 00:19:16.930 --> 00:19:20.289 kind of phrase I think in this business and in 00:19:20.289 --> 00:19:22.369 your situation, I that's it. That's important, 00:19:22.390 --> 00:19:25.250 especially for first -time homebuyers Yep. So 00:19:25.250 --> 00:19:28.839 I love that you put so much emphasis On the customer, 00:19:29.220 --> 00:19:30.480 you know people say that all the time when the 00:19:30.480 --> 00:19:32.400 customer comes first, but they don't really practice 00:19:32.400 --> 00:19:34.619 it They just preach it and you know, I love what 00:19:34.619 --> 00:19:37.119 you said about you know, how one of the guys 00:19:37.119 --> 00:19:39.220 would you say the owner was a loan officer? Yeah. 00:19:39.339 --> 00:19:42.079 Yeah. Yep That really resonates with me because 00:19:42.079 --> 00:19:46.309 when I was doing radio back in the day I noticed 00:19:46.309 --> 00:19:50.650 that a lot of GMs of radio stations were also 00:19:50.650 --> 00:19:54.890 former on air but also former sales people because 00:19:54.890 --> 00:19:58.049 they got they because a lot of companies want 00:19:58.049 --> 00:20:00.769 somebody who can see both sides because those 00:20:00.769 --> 00:20:03.430 are the two sides of that it's crucial it's crucial 00:20:03.430 --> 00:20:06.150 yeah so to have the owner not just be the owner 00:20:06.150 --> 00:20:08.609 but somebody who comes from that side of it I 00:20:08.609 --> 00:20:10.309 mean that's got to play a huge role it plays 00:20:10.309 --> 00:20:13.450 an enormous role and in the case of the mortgage 00:20:13.450 --> 00:20:17.960 industry I would say probably less than half 00:20:17.960 --> 00:20:21.359 of the mortgage lenders out there, the guy at 00:20:21.359 --> 00:20:23.859 the top of the org chart, has probably never 00:20:23.859 --> 00:20:27.279 originated alone in his life. So that's why you 00:20:27.279 --> 00:20:30.299 have so much differences in how smooth the transaction 00:20:30.299 --> 00:20:34.460 goes. So particularly in our greater Syracuse 00:20:34.460 --> 00:20:38.500 area, where we have attorneys, if somebody comes 00:20:38.500 --> 00:20:41.619 into town and realtors will... definitely, you 00:20:41.619 --> 00:20:43.980 know, see this a mile away and be like, please 00:20:43.980 --> 00:20:46.400 go with a local lender. If you don't know the 00:20:46.400 --> 00:20:48.920 players involved, you can't quarterback the situation. 00:20:49.160 --> 00:20:52.279 So if somebody comes in with a pre approval from 00:20:52.279 --> 00:20:55.079 East Wichita Federal Credit Union, they're basically 00:20:55.079 --> 00:20:57.200 going to look at this and say this is only as 00:20:57.200 --> 00:20:59.319 good as a paper it's written on, right? You know, 00:20:59.319 --> 00:21:01.440 so you got to have that expertise is particularly 00:21:01.440 --> 00:21:04.039 in this area, it takes a certain amount of expertise 00:21:04.039 --> 00:21:06.799 to do it. But yeah, it's amazing to see people 00:21:06.799 --> 00:21:08.859 run companies that actually don't have the experience 00:21:08.859 --> 00:21:11.720 on the front lines of of dealing with customers. 00:21:11.920 --> 00:21:13.839 And that's what you want. And that's one of the 00:21:13.839 --> 00:21:16.420 reasons cross -country is doing extremely well. 00:21:16.519 --> 00:21:18.180 I mean, we're growing where other mortgage companies 00:21:18.180 --> 00:21:21.299 are having terrible years. And that's not something, 00:21:21.299 --> 00:21:24.420 you know, the everyday buyer can know ahead of 00:21:24.420 --> 00:21:27.420 time. You know, you just go by what you hear 00:21:27.420 --> 00:21:30.200 and see. You might not know that I'm dealing 00:21:30.200 --> 00:21:32.279 with someone that doesn't actually have a ton 00:21:32.279 --> 00:21:34.779 of experience in this certain aspect of it. Sure. 00:21:36.089 --> 00:21:39.609 I got to ask, are there any unique kind of loan 00:21:39.609 --> 00:21:43.029 programs or services that you offer that clients 00:21:43.029 --> 00:21:46.289 might not be aware of? Yeah, one thing that's 00:21:46.289 --> 00:21:50.470 really popular right now is, and in order to 00:21:50.470 --> 00:21:52.910 describe what this is, I'll have to kind of give 00:21:52.910 --> 00:21:56.849 you an example of a situation. So in this particular 00:21:56.849 --> 00:21:59.529 market, there's low inventory. And that means 00:21:59.900 --> 00:22:02.640 A highly desirable house has multiple offers 00:22:02.640 --> 00:22:05.740 from multiple buyers. And the competition amongst 00:22:05.740 --> 00:22:08.559 those buyers is crucial for the seller making 00:22:08.559 --> 00:22:11.759 a decision. It's not just price, it's loan type, 00:22:11.920 --> 00:22:13.940 how much they're putting down. They get all that 00:22:13.940 --> 00:22:17.140 information on a purchase offer. Now, add to 00:22:17.140 --> 00:22:19.400 the fact if they have a contingency, in other 00:22:19.400 --> 00:22:22.519 words, say you're coming to buy my house, but 00:22:22.519 --> 00:22:24.539 in order to do so, you have to sell your house 00:22:24.539 --> 00:22:26.940 to qualify. because you need the money from that 00:22:26.940 --> 00:22:30.400 house, etc. Yep. We will do a bridge loan, which 00:22:30.400 --> 00:22:32.779 will give you the money out of that house so 00:22:32.779 --> 00:22:35.500 that you can put it down and not have a contingency 00:22:35.500 --> 00:22:37.220 on the sale of your house. That's huge. Because 00:22:37.220 --> 00:22:38.720 if I'm selling you my house, I'm like, man, I 00:22:38.720 --> 00:22:40.319 got to wait for his house to sell in order for 00:22:40.319 --> 00:22:42.900 him to buy my house. I can't do that. That's 00:22:42.900 --> 00:22:45.079 a stressful part. Yeah. For people. That was 00:22:45.079 --> 00:22:47.380 a stressful part for my wife. Yeah. The whole 00:22:47.380 --> 00:22:49.779 like, well, we can't do this until we sell this. 00:22:49.920 --> 00:22:52.640 But how do we? Yeah. You know, it's hard to navigate 00:22:52.640 --> 00:22:56.019 that. Yep. Yep. So that's really Useful in this 00:22:56.019 --> 00:22:58.799 particular market right now where it's fast If 00:22:58.799 --> 00:23:00.359 you want to be a buyer and you want to win in 00:23:00.359 --> 00:23:03.579 this market, you know, I'm talking and coaching 00:23:03.579 --> 00:23:06.579 borrowers all the time We're gonna win and this 00:23:06.579 --> 00:23:09.819 is how we're gonna set you up with the best approval 00:23:09.819 --> 00:23:12.339 that you can have We're gonna make sure you don't 00:23:12.339 --> 00:23:14.980 have contingencies. It's gonna feel really nervous 00:23:14.980 --> 00:23:17.960 But if you want this how bad you want it and 00:23:17.960 --> 00:23:20.930 you want to win we're gonna help you win You 00:23:20.930 --> 00:23:23.289 know and it really is a competitive market where 00:23:23.289 --> 00:23:26.049 in years past it would be you could underbid 00:23:26.049 --> 00:23:29.210 and try and none of that right now I mean every 00:23:29.210 --> 00:23:32.289 house Pretty much is going for what it's listed 00:23:32.289 --> 00:23:35.029 for or more in this market or you mean in general 00:23:35.029 --> 00:23:38.390 in this particular market? Yeah You know when 00:23:38.390 --> 00:23:40.970 rates go up people sit on their interest rates 00:23:40.970 --> 00:23:44.230 that were better You know which I can agree or 00:23:44.230 --> 00:23:46.309 disagree with I mean waiting on the sidelines 00:23:46.309 --> 00:23:48.890 to move on with your life due to market conditions 00:23:48.890 --> 00:23:52.240 I always think is Generally a bad idea because 00:23:52.240 --> 00:23:55.099 you would have been building equity in your next 00:23:55.099 --> 00:23:58.180 house where you want to be That's probably a 00:23:58.180 --> 00:24:01.099 topic for another, you know, sure I guess but 00:24:01.099 --> 00:24:04.500 To win to remove those contingencies extremely 00:24:04.500 --> 00:24:07.480 important. The other thing we have is an enhanced 00:24:07.480 --> 00:24:11.740 approval called a cash plus guarantee And a few 00:24:11.740 --> 00:24:14.220 of my competitors have this as well thing about 00:24:14.220 --> 00:24:17.690 cross -country mortgage that makes it a little 00:24:17.690 --> 00:24:21.089 more accessible is we typically have lower credit 00:24:21.089 --> 00:24:24.109 score requirements for that. And basically what 00:24:24.109 --> 00:24:27.269 it is a fully underwritten borrower, that we've 00:24:27.269 --> 00:24:29.569 underwritten it to a degree that we're issuing 00:24:29.569 --> 00:24:32.690 a letter saying that this offer is as good as 00:24:32.690 --> 00:24:35.369 cash. If this borrower falls through for any 00:24:35.369 --> 00:24:38.109 reason, cross country mortgage, we have a fund 00:24:38.109 --> 00:24:40.029 set aside to specifically do this. I was gonna 00:24:40.029 --> 00:24:41.589 ask you're putting your neck out there. Yeah, 00:24:41.589 --> 00:24:44.369 how are you able to do that? So well, we're fantastic. 00:24:44.589 --> 00:24:47.579 We're we're we do a lot of servicing too. We 00:24:47.579 --> 00:24:49.779 service a lot of our own loans. So when a borrower 00:24:49.779 --> 00:24:51.559 closes with us, they can come back to me and 00:24:51.559 --> 00:24:53.599 say, I have a question on my taxes or escrow. 00:24:53.920 --> 00:24:56.839 And so in most instances, we're holding most 00:24:56.839 --> 00:24:59.579 of our mortgages or servicing most of our mortgages 00:24:59.579 --> 00:25:02.019 as well. And that was important to me, because 00:25:02.019 --> 00:25:03.759 I like to stay with the borrowers even after 00:25:03.759 --> 00:25:06.380 they close. That's been a lot of the lenders, 00:25:06.380 --> 00:25:09.579 you know, that are my peers in the industry are 00:25:09.579 --> 00:25:11.359 just selling it off to serve get serviced by 00:25:11.359 --> 00:25:14.099 Wells Fargo 1 -800, you know, or another company 00:25:14.099 --> 00:25:16.460 not saying bad about any of the other ones. But 00:25:16.460 --> 00:25:18.200 what's important to me is that we're keeping 00:25:18.200 --> 00:25:21.660 most of the servicing. And, yeah, we actually 00:25:21.660 --> 00:25:24.660 set a fund aside for these cash plus guarantees, 00:25:25.339 --> 00:25:26.799 whereas a lot of the companies are just kind 00:25:26.799 --> 00:25:31.119 of, you know, so we have that financial solidarity, 00:25:31.119 --> 00:25:33.240 which is important. Yeah. That goes right back 00:25:33.240 --> 00:25:35.019 to earlier when I asked, you know, what sets 00:25:35.019 --> 00:25:37.200 you guys apart? That's huge. Yeah. And there's 00:25:37.200 --> 00:25:39.880 no worse feeling as a buyer than when you make 00:25:39.880 --> 00:25:43.089 probably the biggest one of the biggest purchases 00:25:43.089 --> 00:25:45.809 of your life up to that point and maybe even 00:25:45.809 --> 00:25:49.390 after. And then it's like you're there and they're 00:25:49.390 --> 00:25:52.450 nowhere to be, now you're alone. It's like the 00:25:52.450 --> 00:25:54.410 first day after the hospital when you have your 00:25:54.410 --> 00:25:56.069 kid and all the nurses are helping you, anything 00:25:56.069 --> 00:25:57.910 you need, you beep the... Then you go home with 00:25:57.910 --> 00:25:59.150 your first child and you're like, well, what 00:25:59.150 --> 00:26:01.589 do we do? It kind of feels that way with a house, 00:26:01.609 --> 00:26:04.589 you know? And then some companies, some brokers 00:26:04.589 --> 00:26:06.690 would just, okay, we're done here. I like that 00:26:06.690 --> 00:26:10.109 you're still there for them. Yeah, that's sweet. 00:26:10.649 --> 00:26:12.589 Don't know if this is a dumb question or not, 00:26:12.589 --> 00:26:15.609 but I feel like it's an it's an important question 00:26:15.609 --> 00:26:19.109 because people I found that a lot of people I've 00:26:19.109 --> 00:26:22.150 talked to over the years one of their biggest 00:26:22.150 --> 00:26:24.549 Fears when buying a house or what they think 00:26:24.549 --> 00:26:26.609 is the biggest hurdle is the down payment and 00:26:26.609 --> 00:26:31.359 I've heard through the grapevine tick tock. There's 00:26:31.359 --> 00:26:34.480 grants. Yeah, yeah. I've heard that it is important. 00:26:34.700 --> 00:26:37.279 It isn't important. Is that can you address that? 00:26:37.380 --> 00:26:40.019 How is that a big deal? The down payment? Sure. 00:26:40.299 --> 00:26:44.279 I mean, there's multiple ways to approach how 00:26:44.279 --> 00:26:47.819 much money somebody has to invest in the transaction. 00:26:49.339 --> 00:26:52.539 So when we take an application, sorry, and do 00:26:52.539 --> 00:26:55.220 our initial consult, we're seeing how much money 00:26:55.220 --> 00:26:57.380 they have to work with, how much money they feel 00:26:57.380 --> 00:27:00.220 comfortable putting into a transaction, and that 00:27:00.220 --> 00:27:02.779 really lends what type of product and recommendation 00:27:02.779 --> 00:27:05.680 we're gonna make for a mortgage instrument. So 00:27:05.680 --> 00:27:08.960 if they have as little to put down as possible, 00:27:09.359 --> 00:27:12.200 we might look at FHA loans that allows you to 00:27:12.200 --> 00:27:15.559 roll in quite a bit of your closing costs. Sunny 00:27:15.559 --> 00:27:18.839 May, which is a New York specific. program often 00:27:18.839 --> 00:27:22.380 has these waves of huge grants up to $30 ,000 00:27:22.380 --> 00:27:24.579 that people can use for their down payment and 00:27:24.579 --> 00:27:27.259 to lower their loan balances on the interest 00:27:27.259 --> 00:27:29.259 rates very good on that as well. So we try and 00:27:29.259 --> 00:27:31.500 do as many sunny mazes possible for people that 00:27:31.500 --> 00:27:34.400 fit into that program. It's huge. We have a lot 00:27:34.400 --> 00:27:36.900 of rural areas in upstate New York. Yes, we do. 00:27:37.099 --> 00:27:38.559 And we're just talking about that, actually. 00:27:39.000 --> 00:27:42.779 And What's cool is USDA, which we're a direct 00:27:42.779 --> 00:27:46.819 USDA lender, is a, they have a guaranteed program 00:27:46.819 --> 00:27:49.660 that banks can participate in. It's 100 % financing. 00:27:49.960 --> 00:27:52.140 There's a zero down payment, and you can roll 00:27:52.140 --> 00:27:54.160 in your closing costs up to a certain percentage. 00:27:54.700 --> 00:27:57.319 I mean, I've done USDA's $200 ,000 loan, just 00:27:57.319 --> 00:27:59.200 an example, and the borrowers come to the table 00:27:59.200 --> 00:28:03.259 with like 1 ,800 bucks. And in the case of veterans, 00:28:04.000 --> 00:28:07.140 veterans, I mean, pretty much can roll in as 00:28:07.140 --> 00:28:12.640 much as the appraisal will allow. Those are some 00:28:12.640 --> 00:28:14.720 solutions for that and actually conventional 00:28:14.720 --> 00:28:17.440 has some low down payment programs, too There's 00:28:17.440 --> 00:28:19.819 a program called home possible. That's a three 00:28:19.819 --> 00:28:22.359 percent down You can roll in closing costs the 00:28:22.359 --> 00:28:24.660 interest rates very good and the the mortgage 00:28:24.660 --> 00:28:26.660 insurance portion of their payment without getting 00:28:26.660 --> 00:28:29.579 too technical Is lower than what it would otherwise 00:28:29.579 --> 00:28:32.660 talk about the PMI the problem Exactly. Yeah. 00:28:32.759 --> 00:28:35.299 Okay. Yeah. I'm so glad you addressed that I 00:28:35.299 --> 00:28:37.000 feel like this is the most important important 00:28:37.000 --> 00:28:39.500 part of this interview so far because like I 00:28:39.500 --> 00:28:42.329 said I didn't word it correctly, but basically 00:28:42.329 --> 00:28:44.430 there's just been a lot of people I've I've met 00:28:44.430 --> 00:28:46.170 that thought the down payment is the maker Well, 00:28:46.170 --> 00:28:48.130 we can't buy a house. We don't have the money 00:28:48.130 --> 00:28:50.069 for a down payment and that's that's kind of 00:28:50.069 --> 00:28:52.069 what I meant and you addressed that Yeah, I'm 00:28:52.069 --> 00:28:54.910 so glad you you mentioned that there are options 00:28:54.910 --> 00:28:58.049 out there. It's not the deal -breaker Yeah, I 00:28:58.049 --> 00:29:00.049 do a lot of myth -busting when I'm talking to 00:29:00.049 --> 00:29:02.750 borrowers in terms of what they've heard, you 00:29:02.750 --> 00:29:07.430 know, I basically like okay, so now that you're 00:29:07.430 --> 00:29:09.829 Talking about buying a house just so you know 00:29:09.930 --> 00:29:11.950 Everyone's going to turn into an expert. That's 00:29:11.950 --> 00:29:14.990 right. Even if they're a renter. Like your uncle, 00:29:15.210 --> 00:29:17.529 your parents, your friends. Yeah. Here's what 00:29:17.529 --> 00:29:20.250 you need to do. Try not to listen to any of them. 00:29:20.309 --> 00:29:22.650 Listen to them, but don't then come to me and 00:29:22.650 --> 00:29:25.630 I'll suss it out for you. Exactly. Is there a 00:29:25.630 --> 00:29:29.490 couple more questions? Is there any sort of tip 00:29:29.490 --> 00:29:33.369 on, you know, first time buyers or buyers in 00:29:33.369 --> 00:29:36.769 general that, you know, They should maybe red 00:29:36.769 --> 00:29:39.369 flags is there is like what's something everybody 00:29:39.369 --> 00:29:41.609 can do to take a step towards? You know buying 00:29:41.609 --> 00:29:44.369 the home that everybody should do ahead of time 00:29:44.369 --> 00:29:47.269 or and are there any red flags? They should look 00:29:47.269 --> 00:29:49.710 for when dealing with someone in the mortgage 00:29:49.710 --> 00:29:52.750 broker Broker sure brokering business. Yeah. 00:29:52.769 --> 00:29:56.670 Yeah I was like eight. I mean, sorry. No, I got 00:29:56.670 --> 00:29:59.309 Well, I'll probably be like wait. What was the 00:29:59.309 --> 00:30:03.269 second question what? first step I So I owned 00:30:03.269 --> 00:30:05.970 a credit repair company as well back in, I think 00:30:05.970 --> 00:30:12.410 I sold it in 2012. So we really take the credit 00:30:12.410 --> 00:30:14.890 piece of it seriously and everybody's pretty 00:30:14.890 --> 00:30:16.630 hypersensitive right now to credit score due 00:30:16.630 --> 00:30:19.109 to credit karma. You know, what's my score and 00:30:19.109 --> 00:30:20.950 hard inquiry, I don't want a credit pull and 00:30:20.950 --> 00:30:22.809 everybody's really hypersensitive about that. 00:30:23.789 --> 00:30:28.640 But the first step really is to not... Guess 00:30:28.640 --> 00:30:31.039 at what you should be doing. Don't be a web MD 00:30:31.039 --> 00:30:34.200 Google doctor come to somebody like myself come 00:30:34.200 --> 00:30:36.519 to us I mean, I love talking to people that aren't 00:30:36.519 --> 00:30:39.880 ready and say hey listen Here's here's what I'm 00:30:39.880 --> 00:30:42.000 seeing. Here's what you need to do We have a 00:30:42.000 --> 00:30:44.480 mortgage coaching calls with people that don't 00:30:44.480 --> 00:30:48.109 qualify now that what we call future buyers You 00:30:48.109 --> 00:30:50.950 know, we don't say, hey, a lot of banks just 00:30:50.950 --> 00:30:54.170 say, hey, sorry, you don't qualify now. Go pay 00:30:54.170 --> 00:30:55.670 your credit cards down a little bit. We'll check 00:30:55.670 --> 00:30:57.930 again in six months. We stay right with them. 00:30:58.029 --> 00:31:00.829 We say, OK, here's a plan. If you save this much 00:31:00.829 --> 00:31:03.609 per month, you'll be ready on month three. You'll 00:31:03.609 --> 00:31:06.220 qualify for this. we'll give the qualification 00:31:06.220 --> 00:31:08.259 back to your realtor and we really put them on 00:31:08.259 --> 00:31:11.000 a really defined path. So the first step is to 00:31:11.000 --> 00:31:14.819 talk to a qualified loan consultant before you 00:31:14.819 --> 00:31:17.460 think you're ready to do it because a good loan 00:31:17.460 --> 00:31:20.460 consultant is gonna say, I'm glad you called 00:31:20.460 --> 00:31:22.799 me first before you assumed you knew what you 00:31:22.799 --> 00:31:25.480 were doing From looking on the internet or assumed 00:31:25.480 --> 00:31:28.019 you knew what was happening due to somebody else 00:31:28.019 --> 00:31:30.880 who spoke to or some false expert So that's the 00:31:30.880 --> 00:31:34.240 first part and I would say any red flags if they 00:31:34.240 --> 00:31:36.819 are already working with somebody or they've 00:31:36.819 --> 00:31:38.779 been turned down I love looking at turn downs 00:31:38.779 --> 00:31:40.599 by the way if anybody's listening that has been 00:31:40.599 --> 00:31:43.170 turned down for a mortgage for some reason You 00:31:43.170 --> 00:31:45.230 know, give me a call, you know, I take a look 00:31:45.230 --> 00:31:47.089 at it. There might be a solution for you right 00:31:47.089 --> 00:31:49.190 now. Don't call me. I will not be able to help 00:31:49.190 --> 00:31:55.869 you. Call 1 -800 -166 -Joe -Daughter -Morgan's 00:31:55.869 --> 00:31:59.730 second look at Joe Morgan. Have you been declined? 00:32:00.150 --> 00:32:02.069 Have you been turned down? Well, I got news. 00:32:02.589 --> 00:32:08.009 I got good news. Say no to Joe. That's phenomenal. 00:32:08.589 --> 00:32:11.190 I got to ask this, too. And again, maybe this 00:32:11.190 --> 00:32:14.440 is a dumb question, but The term, it's a buyer's 00:32:14.440 --> 00:32:19.259 market. It's a seller's market. I can't wrap 00:32:19.259 --> 00:32:22.440 my damn head around this. Is there a way, it's 00:32:22.440 --> 00:32:25.759 a broad kind of question, but when is it a buyer's 00:32:25.759 --> 00:32:27.759 market? When is it a seller's market? Because 00:32:27.759 --> 00:32:30.680 so many mixed reviews on that. So it's all supply 00:32:30.680 --> 00:32:34.160 and demand. Right. So when supply is low, it's 00:32:34.160 --> 00:32:39.640 a seller's market. Think about it like... It's 00:32:39.640 --> 00:32:41.720 something rare like diamonds. There you go. You 00:32:41.720 --> 00:32:44.819 know the less diamonds that are in Circulation 00:32:44.819 --> 00:32:47.220 the more expensive they are so the less houses 00:32:47.220 --> 00:32:51.299 listed for sale the more the seller has competition 00:32:51.299 --> 00:32:54.960 for that it right raises prices, so that's Considered 00:32:54.960 --> 00:32:57.359 a seller's market now. There are pockets that 00:32:57.359 --> 00:33:00.079 turn into buyers markets during that period it 00:33:00.079 --> 00:33:02.619 shifts Kind of slowly but if you look at a market 00:33:02.619 --> 00:33:05.940 like say, Florida, you know where they peak way 00:33:05.940 --> 00:33:08.339 quicker than central New York Oh, you know, it's 00:33:08.339 --> 00:33:12.940 more vacation resort, you know and Prices rise 00:33:12.940 --> 00:33:15.539 and fall much sharper, and it's a good place 00:33:15.539 --> 00:33:17.500 to look for indication of what might be happening 00:33:17.500 --> 00:33:19.579 in other areas. It's almost like seeing a crystal 00:33:19.579 --> 00:33:21.240 ball cave is happening in Florida. You know, 00:33:21.240 --> 00:33:24.680 here we might see flattening. Right now, I think 00:33:24.680 --> 00:33:27.220 Florida's prices are starting to flatten a little 00:33:27.220 --> 00:33:30.140 bit in certain areas where it might start to 00:33:30.140 --> 00:33:33.200 turn more into a buyer's market. Okay. Whereas 00:33:33.200 --> 00:33:36.119 I mean, I saw I did more I licensed in Florida. 00:33:36.160 --> 00:33:39.019 So I've done Mortgage is there say five years 00:33:39.019 --> 00:33:42.220 ago. You know, I just just one example I think 00:33:42.220 --> 00:33:46.279 I did a house in Naples not on the water like 00:33:46.279 --> 00:33:50.240 two blocks off the water for maybe 650 ,000 and 00:33:50.240 --> 00:33:52.380 I think it I'm doing a refinance. It's praise 00:33:52.380 --> 00:33:56.700 it like 1 .5 Wow, you know, yeah, and it's like 00:33:56.700 --> 00:33:59.880 That type of appreciation in any market in stocks 00:33:59.880 --> 00:34:02.259 or anything and you're gonna see it go like this 00:34:02.259 --> 00:34:04.319 eventually Yeah, you know where the good thing 00:34:04.319 --> 00:34:07.390 about Syracuse in this area is we don't The bubble 00:34:07.390 --> 00:34:09.449 doesn't really pop. It just kind of flattens 00:34:09.449 --> 00:34:11.630 out for a little while and nothing. It could 00:34:11.630 --> 00:34:13.789 stay. Yeah, there's there's no extreme here, 00:34:13.789 --> 00:34:17.670 which is a good thing. And I want to. That was 00:34:17.670 --> 00:34:22.429 kind of my last question, which is there is a 00:34:22.429 --> 00:34:24.750 lot of excitement around micron coming. And I 00:34:24.750 --> 00:34:27.309 would assume that's generating a lot of interest 00:34:27.309 --> 00:34:29.650 in your field. Yeah. You give us a little bit 00:34:29.650 --> 00:34:33.110 of an outlook. Yeah. I feel like now would be 00:34:33.110 --> 00:34:37.539 a great time to buy. especially if you want to 00:34:37.539 --> 00:34:40.699 flip something, right? Sure, yeah, I mean, we 00:34:40.699 --> 00:34:43.699 have a shortage of housing. Back to supply and 00:34:43.699 --> 00:34:48.619 demand. Yep, especially taking on Micron. And 00:34:48.619 --> 00:34:51.000 I'm not an expert in that particular space, but 00:34:51.000 --> 00:34:53.840 I can tell you what I'm seeing is a ripple effect 00:34:53.840 --> 00:34:58.800 of this news in mortgage originations and applications, 00:34:58.860 --> 00:35:02.960 which is a lot of foreign investors coming in, 00:35:02.960 --> 00:35:07.920 a lot of... people looking to invest here to 00:35:07.920 --> 00:35:09.739 be landlords because they know that there's a 00:35:09.739 --> 00:35:12.280 shortage of housing and these people, you know, 00:35:12.320 --> 00:35:15.900 the workers and the boon to the economy is going 00:35:15.900 --> 00:35:19.260 to drive more population growth, which by the 00:35:19.260 --> 00:35:21.400 way, interestingly enough, we're a member of 00:35:21.400 --> 00:35:24.380 center state CEO, which is an excellent resource 00:35:24.380 --> 00:35:26.800 to find out a lot about what's going on locally 00:35:26.800 --> 00:35:31.440 in the economy. That the Syracuse population 00:35:31.440 --> 00:35:34.710 has begun to increase. I think I don't know the 00:35:34.710 --> 00:35:36.730 exact but in the past few years, but it was like 00:35:36.730 --> 00:35:39.449 for the first time in 50 years or something like 00:35:39.449 --> 00:35:42.869 that. Wow, it began to increase. And another 00:35:42.869 --> 00:35:46.590 good metric for the buzz in Syracuse, which all 00:35:46.590 --> 00:35:48.710 relates into home buying and people needing houses 00:35:48.710 --> 00:35:53.550 and things of that nature is the airport Syracuse 00:35:53.550 --> 00:35:57.789 Hancock Airport has jumped from like the sixth 00:35:57.789 --> 00:36:01.980 busiest to the fourth. In the country? No, in 00:36:01.980 --> 00:36:03.420 the state of New York. State of New York, okay. 00:36:03.480 --> 00:36:07.880 Oh, God. I was like, wow. We just beat LAX. Yeah, 00:36:07.960 --> 00:36:13.079 exactly. So it's like LaGuardia, Kennedy, and 00:36:13.079 --> 00:36:17.880 then it was Buffalo, Rochester, Syracuse. And 00:36:17.880 --> 00:36:22.739 then Syracuse jumped, which I guess, according 00:36:22.739 --> 00:36:27.500 to the economics presentation I saw, that never 00:36:27.500 --> 00:36:31.519 happens like for the past two years for the population 00:36:31.519 --> 00:36:35.059 in an airport. The the busyness of it, I guess 00:36:35.059 --> 00:36:38.039 you'd say to to jump to spots like that. Yeah, 00:36:38.239 --> 00:36:40.480 that much that it's just it's rare that it that 00:36:40.480 --> 00:36:42.519 it happens and they use it as an indication. 00:36:43.199 --> 00:36:45.480 What's happening in Syracuse? That's cool. That's 00:36:45.480 --> 00:36:47.480 cool that I didn't know that could be a metric 00:36:47.480 --> 00:36:49.139 I didn't know that was a thing obviously I didn't 00:36:49.139 --> 00:36:51.260 either until I heard it But it also tells me 00:36:51.260 --> 00:36:53.780 that this micron deal is as big of a deal as 00:36:53.780 --> 00:36:55.840 people are making it out to be I mean There's 00:36:55.840 --> 00:36:58.380 grumblings that this is the most important thing 00:36:58.380 --> 00:37:00.880 to happen to this area since the Erie Canal Which 00:37:00.880 --> 00:37:04.099 I agree and and and when you talk about the airport 00:37:04.099 --> 00:37:06.289 metric That kind of checks out, right? Right. 00:37:06.349 --> 00:37:09.010 Yeah, exactly. Exactly. And right up the street 00:37:09.010 --> 00:37:11.230 in Utica, Wolfspeed, that's a chip manufacturer. 00:37:11.329 --> 00:37:14.449 So there's precedent already. So it's exciting. 00:37:14.650 --> 00:37:18.130 I love it. I know. Let's have some fun. So all 00:37:18.130 --> 00:37:21.809 right. Enough of this mortgage shit. No. Bore 00:37:21.809 --> 00:37:27.420 me. Yeah. No. Joe, something that we haven't 00:37:27.420 --> 00:37:29.340 really had a chance to talk about. You and I 00:37:29.340 --> 00:37:31.539 both have a background in music and standing 00:37:31.539 --> 00:37:34.679 in bands. That's right. And when you think of, 00:37:34.900 --> 00:37:38.059 you know, not I'm going to generalize for a second. 00:37:38.099 --> 00:37:40.920 When you think of someone who is involved in 00:37:40.920 --> 00:37:43.719 in mortgage brokering, you don't really think 00:37:43.719 --> 00:37:45.579 of somebody being in a band. And I love that 00:37:45.579 --> 00:37:48.579 you break that mold. Tell me about it. What would 00:37:48.579 --> 00:37:50.039 you do? Were you the singer? Were you the guitar 00:37:50.039 --> 00:37:51.940 player? What was the band like? Let's go. Yeah, 00:37:52.099 --> 00:37:56.699 so so dude, I This is fun. So yeah, I basically 00:37:56.699 --> 00:37:58.860 I've been wanting to be a rock star since I was 00:37:58.860 --> 00:38:02.739 like five sure, right so Kiss was my favorite 00:38:02.739 --> 00:38:06.239 band. No kidding. Yep. So I saw Gene Simmons. 00:38:06.260 --> 00:38:09.079 I was like, that's what I'm gonna do. Yeah And 00:38:09.079 --> 00:38:12.559 so by time I got into high school, I was playing 00:38:12.559 --> 00:38:16.079 guitar pretty proficiently writing songs. After 00:38:16.079 --> 00:38:18.280 high school, I tried college for like a half 00:38:18.280 --> 00:38:21.059 year, dropped out, wrote four songs, printed 00:38:21.059 --> 00:38:25.000 tapes, sold them on the street, moved in. You 00:38:25.000 --> 00:38:27.019 pretty much did the same thing. I'm just blown 00:38:27.019 --> 00:38:30.320 away. Moved, moved into an area actually where 00:38:30.320 --> 00:38:31.920 my bass player was going to school, which was 00:38:31.920 --> 00:38:35.139 a five college area in Massachusetts. But then 00:38:35.139 --> 00:38:37.059 like a year we were playing, you know, four or 00:38:37.059 --> 00:38:39.840 five nights a week. You know gaining some popularity 00:38:39.840 --> 00:38:41.760 as an original rock band. I was singing playing 00:38:41.760 --> 00:38:46.179 guitar writing songs And we had some like some 00:38:46.179 --> 00:38:49.070 cool Like little things like we're opening up 00:38:49.070 --> 00:38:51.809 for professional bands like god smacked verve 00:38:51.809 --> 00:38:55.929 pipe obviously stained who um, My best friend 00:38:55.929 --> 00:38:58.570 who's the drummer for stained right now sal giancarelli 00:38:58.570 --> 00:39:00.630 Is actually going on tour with them like next 00:39:00.630 --> 00:39:02.590 week. Oh, that's great. So they do another tour 00:39:02.590 --> 00:39:05.210 So yeah, I had I had a stint doing it now. I 00:39:05.210 --> 00:39:06.969 still play like I have guitars around my house 00:39:06.969 --> 00:39:09.929 I write some yeah some folk but you know, it's 00:39:09.929 --> 00:39:12.269 always there Yeah, it's it's always there and 00:39:12.269 --> 00:39:14.489 we had some like band drama. You know how that 00:39:14.489 --> 00:39:16.489 goes, right? Of course. You fight with your band? 00:39:16.849 --> 00:39:18.429 People used to say to me all the time, you know, 00:39:18.449 --> 00:39:21.389 we would play shows and, you know, you'd get 00:39:21.389 --> 00:39:23.389 the friend or the person to go, man, it's gotta 00:39:23.389 --> 00:39:26.449 be, like, you're living the dream. And I'm like, 00:39:26.550 --> 00:39:28.630 living the dream? I'm like, do you know how much 00:39:28.630 --> 00:39:31.030 book... I'm like, when we're on stage, that's 00:39:31.030 --> 00:39:33.530 the payoff. Everything that goes on before you 00:39:33.530 --> 00:39:35.769 get on stage and after with booking and money. 00:39:36.190 --> 00:39:39.050 And I think the number one thing, the hardest 00:39:39.050 --> 00:39:42.000 part about... Being in a band or being in the 00:39:42.000 --> 00:39:45.099 music industry is managing four or five six other 00:39:45.099 --> 00:39:47.219 personalities Because you all have to be on the 00:39:47.219 --> 00:39:49.800 same page Yep, and everybody's got different 00:39:49.800 --> 00:39:51.820 responsibilities different lives different likes 00:39:51.820 --> 00:39:54.559 different interests and to keep everybody together 00:39:54.559 --> 00:39:56.719 Especially the older you get yeah, it's hard 00:39:56.719 --> 00:39:59.400 man. Yeah when you're young, you know, it's it's 00:40:00.139 --> 00:40:01.960 everybody does have big personalities. Because 00:40:01.960 --> 00:40:03.780 if you're a musician, you got to that point. 00:40:04.099 --> 00:40:06.380 I mean, for me, it like saved me from like the 00:40:06.380 --> 00:40:08.099 high school blues. Same. You know what I mean? 00:40:08.199 --> 00:40:10.059 I'm like, I'm in my room. You know, I was like, 00:40:10.059 --> 00:40:13.579 rebel without a clue. You know, I'm like, this'll... 00:40:13.550 --> 00:40:18.750 This will make me look great for the girls I'm 00:40:18.750 --> 00:40:21.250 gonna hug me. I'm going to the bonfire tonight, 00:40:21.309 --> 00:40:24.610 and I'm gonna play Wonderwall Yeah, no I get 00:40:24.610 --> 00:40:27.190 it it was You know you and I were on the same 00:40:27.190 --> 00:40:28.849 trajectory basically that's awesome thing and 00:40:28.849 --> 00:40:31.130 I moved to a college town and found some success 00:40:31.130 --> 00:40:34.849 open for four different national acts, but I 00:40:34.849 --> 00:40:37.630 just love that you you have that background and 00:40:37.630 --> 00:40:40.170 you know nowadays, you know, I think back in 00:40:40.170 --> 00:40:42.969 the day it used to be a thing where At some point 00:40:42.969 --> 00:40:45.190 you kind of had to go am I gonna keep doing this 00:40:45.190 --> 00:40:47.050 or do I have to it was like a definitive ending? 00:40:47.369 --> 00:40:49.670 I mean now with the internet You don't need a 00:40:49.670 --> 00:40:52.289 record deal like you can record an album whenever 00:40:52.289 --> 00:40:55.690 you feel inspired to do it I know it's amazing. 00:40:55.849 --> 00:40:57.369 It is absolutely it's better. You could do it 00:40:57.369 --> 00:40:59.869 in your house, right? I just cut it cut a record 00:40:59.869 --> 00:41:02.349 actually we should jam we could jam we should 00:41:02.349 --> 00:41:06.039 jam We should write a record. We could. The Mortgage 00:41:06.039 --> 00:41:10.880 Blues. No, I'm in. I think that's what's great 00:41:10.880 --> 00:41:14.539 about music in general. Do you? I got to ask 00:41:14.539 --> 00:41:16.460 you a couple of questions and then we'll get 00:41:16.460 --> 00:41:17.980 you out of here. I'm sorry. Fire away. No, I 00:41:17.980 --> 00:41:19.840 got time. This is my favorite question to ask. 00:41:19.940 --> 00:41:21.380 I don't even know if we have time for this, but 00:41:21.380 --> 00:41:25.119 if you could create the ultimate band, living 00:41:25.119 --> 00:41:28.239 or dead, who would be in it? We'll say like guitar, 00:41:28.460 --> 00:41:30.860 bass, singer, drummer. We'll just go with if 00:41:30.860 --> 00:41:33.190 you want to throw in keyboard, you can. If you 00:41:33.190 --> 00:41:37.489 need to think, I'll give you mine. So, John Paul 00:41:37.489 --> 00:41:41.809 Jones with bass. Sure, great pick. The ultimate 00:41:41.809 --> 00:41:44.070 band, man. Since God Rest His Soul recently, 00:41:45.050 --> 00:41:48.250 maybe Neil Peart on drums. Oh my God, I literally 00:41:48.250 --> 00:41:51.130 forgot he died. Yeah, Neil Peart, I love that. 00:41:51.570 --> 00:41:56.210 Peart. Something Canadian. So far, I'm front 00:41:56.210 --> 00:41:59.619 row for this. I love it. So you got drums, you 00:41:59.619 --> 00:42:03.679 got bass. Need guitar. Need some guitar. And 00:42:03.679 --> 00:42:06.539 remember, it doesn't always have to be the best. 00:42:06.960 --> 00:42:09.219 I hate that. It's so hard to pick the best. But 00:42:09.219 --> 00:42:11.099 your favorite? Something weird. Or something 00:42:11.099 --> 00:42:13.579 they had that they brought to the table or stage. 00:42:13.619 --> 00:42:15.800 It's hard being a musician, because you always 00:42:15.800 --> 00:42:19.380 want to pick the technical. Of course. So I would 00:42:19.380 --> 00:42:22.980 say Stevie Ray Vaughan on guitar. Add some blues, 00:42:23.079 --> 00:42:27.920 because you got that 60s vibe. Flavor. Canadian 00:42:27.920 --> 00:42:31.260 80s that rush 70s 80s rock. And then Singer. 00:42:31.920 --> 00:42:34.539 This is tough. This is really tough. I mean, 00:42:35.239 --> 00:42:38.420 because it kind of ruins my question, but it's 00:42:38.420 --> 00:42:41.039 like, well, what kind of style are we doing? 00:42:41.239 --> 00:42:43.860 I'm not going to pick so -and -so if I'm doing 00:42:43.860 --> 00:42:45.960 this. Need somebody that could do anything. That's 00:42:45.960 --> 00:42:48.460 it. Let's just say Freddie Mercury. Great pick. 00:42:48.670 --> 00:42:51.929 Dude, Doherty, that's a great band. John Paul 00:42:51.929 --> 00:42:54.369 Jones. All deceased. Neil Peart. Yeah, that's 00:42:54.369 --> 00:42:55.429 going to be a boring show. That's kind of what 00:42:55.429 --> 00:42:58.530 I went for. It's going to be like, wow, they're 00:42:58.530 --> 00:43:00.469 just laying here. They're not really dead. No, 00:43:00.510 --> 00:43:03.570 I know. But for me, I'll give you mine real quick. 00:43:03.769 --> 00:43:05.849 I want Carter Buford on the drums from the Dave 00:43:05.849 --> 00:43:08.650 Matthews band. Oh, God. Bass, I've got Victor 00:43:08.650 --> 00:43:11.550 Wooten. He played in Bella Flack. He's very underrated. 00:43:11.630 --> 00:43:19.280 He's insane. Guitar. I want to put. from Floyd, 00:43:19.940 --> 00:43:23.139 but just to go, we gotta factor in a lot. Little 00:43:23.139 --> 00:43:26.800 sleepy. I'm going Slash. I'm going Slash. Dude, 00:43:27.199 --> 00:43:29.780 he's the man. He's the man. I can see the top 00:43:29.780 --> 00:43:32.360 hat now, the stove. Yeah. I want him in there 00:43:32.360 --> 00:43:35.420 for obviously image and performance, but here's 00:43:35.420 --> 00:43:38.340 the thing. Do I think Slash is the greatest guitarist 00:43:38.340 --> 00:43:40.940 of all time? Not even close, but he's very good. 00:43:40.940 --> 00:43:43.500 He's top two for me, and I'll tell you why. because 00:43:43.500 --> 00:43:46.780 I can sing you back his solos. That's how melodic 00:43:46.780 --> 00:43:49.260 they were. I could sing you... His phrasing is 00:43:49.260 --> 00:43:52.280 amazing. Exactly. I could sing to you the November 00:43:52.280 --> 00:43:53.840 Rain solo. I actually have goosebumps thinking 00:43:53.840 --> 00:43:57.400 about it. You know the sign of a good solo when 00:43:57.400 --> 00:43:59.900 you can hum it back. So that's my reasoning. 00:44:00.380 --> 00:44:04.139 Iconic solos. And then for singer, I'm going 00:44:04.139 --> 00:44:06.619 with my man, you were talking about full package, 00:44:07.300 --> 00:44:10.739 Steven Tyler. Oh God, great pick. I mean, how 00:44:10.739 --> 00:44:12.860 could you? How could you do it? I mean, you could 00:44:12.860 --> 00:44:14.719 throw them blue. Actually, they had a blues album. 00:44:14.719 --> 00:44:17.440 I went on that tour. Honking on Bobo was the 00:44:17.440 --> 00:44:20.239 album and I went and saw them. So that was mine. 00:44:20.440 --> 00:44:23.619 But I love I love that that question. I always 00:44:23.619 --> 00:44:25.579 came up with it and I never had a place to ask 00:44:25.579 --> 00:44:27.280 it. And I thought about it. I love the interview. 00:44:27.320 --> 00:44:30.340 I was like mass joke. I love that. All right, 00:44:30.420 --> 00:44:35.219 Joe Rockstar, Joe Doherty, mortgage consulting 00:44:35.219 --> 00:44:38.179 or cross country. Mortgage is that it? Yes it 00:44:38.179 --> 00:44:41.079 right perfect Give them some calls to action 00:44:41.079 --> 00:44:43.380 numbers websites. What do you got? Yes? You could 00:44:43.380 --> 00:44:45.579 just basically Google Joseph Dougherty cross 00:44:45.579 --> 00:44:47.619 -country, and I'll come up as the first search 00:44:47.619 --> 00:44:50.860 result I'm right you I I give out my personal 00:44:50.860 --> 00:44:53.619 cell phone number three one five five six seven 00:44:53.619 --> 00:44:57.440 sixty five ninety four I manage all my texts 00:44:57.440 --> 00:44:59.320 and communication on the front end through there 00:44:59.320 --> 00:45:03.250 and That's basically it get a hold of me Yeah, 00:45:03.349 --> 00:45:06.190 Joe Doherty friend of growth mode content in 00:45:06.190 --> 00:45:09.630 Good News York hell of a guy rock star mortgage 00:45:09.630 --> 00:45:13.869 broker Come back anytime Look for his podcast. 00:45:13.869 --> 00:45:15.530 I think we're gonna still they will talk. Yeah, 00:45:15.530 --> 00:45:18.409 but yep his podcast powered by growth mode content 00:45:18.409 --> 00:45:22.610 coming and Thank you guys for joining us on this. 00:45:22.610 --> 00:45:24.289 What's today? Wednesday Wednesday edition of 00:45:24.289 --> 00:45:27.070 Good News York Matt and I will be back tomorrow 00:45:27.070 --> 00:45:30.150 and we'll see you then Appreciate it