Grandson of a Pastor

It's not where you live, it's how you live. According to today's guest Bev Barton, there's a lot more to real estate than just location. This week, Bev, broker and owner of the Living Well Company, joins Danielle and Victor for a special look at market conditions, rental properties, and the changing real estate landscape. Splitting her work between Michigan and Florida, Bev brings us insights on: The "Living Well" Philosophy Why Michigan is becoming a popular tourist destination (and how you can leverage rental properties to take advantage) How natural disasters actually affect property values What you need to know about renting.    And more! Thanks for listening. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/   Guest Links Bev Barton Website: LivingWellCompany.com  Email: Bev@BevBarton.com  Ph: 734.320.0121

It all starts with being educated and Danielle & Vic are here to help. There are many mortgage options in the lender's toolbox, knowing what is available and how to utilize them to best fit the seller's and the buyer's needs is a must in this market. Continuing your education can help you. Let Danielle and Vic add helpful tools into your toolbox. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

This week's special guest, John Tenza joins Danielle and Vic in the studio. John provides amazing insights into our current market, Realtor production, and how to get more sales and closed commissions. With 40 years of experience as a top producing agent, 30 years as a professional speaker, and 20 years as a results coach; John works with brokers and agents who desire better results, more listings, and fat bank accounts! Interested in learning more? Check out the upcoming event details here:REV Up your Real Estate Results for 2023 with John Tenza Event Details: REV Up your Real Estate Results for 2023 with John Tenza Date and Time - Tue, November 1, 2022, 11:00 AM – 1:00 PM EDT Location - Crystal Gardens Banquet Center 5768 East Grand River Avenue Howell, MI 48843 Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133 Guest Links https://tenzatalks.com/ https://www.facebook.com/john.tenza https://www.facebook.com/profile.php?id=100063805037734

What is old is new again, meet the 2/1 BuyDown. A 2-1 BuyDown is a type of financing that lowers the interest rate on a mortgage for the first two years before it rises to the regular, permanent rate. The rate is typically two percentage points lower during the first year, and one percentage point lower in the second year. Listen in as Danielle and Victor break it down with a slideshow examples and the benefits. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

Veteran turned loan originator Eric Ensley joins Victor and Danielle for a deep dive into the grey area of VA loans. Having recently joined our hosts under the USA Mortage banner, Eric specializes in educating & assisting those working to get VA loans. This week, they cover: Eric's unique journey from paratrooper to loan officer. What a real loan officer is, and why not all "loan officers" can help you. Flexibility in VA loans and why it's important. How Eric trains loan officers and why education on VA loans is so critical for servicemen & women.     Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/   Guest Links Web: eensley.usa-mortgage.com  Email: eric.ensley@usa-mortgage.com  Phone: 810-869-5473

Get your braincells firing for this episode of A Smarter Way Home! Danielle and Victor talk retirement, credit scores, and why you should not only check your email, but read it too! Over-listing, buying furniture too soon, and cutting your credit line can all lead you astray when buying your new home. Tune in to find out why you shouldn't close your account, deposit a lump sum of cash, or retire without disclosing to your loan officer. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

Mike Wilbanks is back with us in the studio to discuss current, past, and future market trends. With over 40 years of experience as an appraiser, Mike gives great insight into the world of real estate. The crew talks about price drops, building relationships, value, and the common myths about appraisal. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/   Guest Links Michael Wilbanks - Certified Residential Appraiser Phone: 810.220.1814

On this episode Vic & Danielle talk about recent trends in the market and inflation. What is the ‘R word' and is there reason for worry? The duo expands on entertaining multiple offers, understanding the numbers, why inflation is your friend, and the new definition of good credit in this weeks episode. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/  Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

This week Victor and Danielle welcome Lexi Wilcox from the Howell Downtown Development Authority to highlight upcoming happenings and changes in the area. Their win of the 2018 Great American Main Street Award shows that they have a lot to offer. Howell is proud of its year-round acclaimed festivals and events, more than forty different specialty retailers (from traditional to hip & quirky) and deliciously different dining options. Parks, a beach, and remarkable historical architecture make it a place to be. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Guest Links Lexi Wilcox - Howell Downtown Development Authority Website: DowntownHowell.org Facebook: @DowntownHowellMI Instagram: @DowntownHowellMI Email: LWilcox@DowntownHowell.org Ph: 517.540.6736

Vic and Danielle host Alice Whited, Area Director of Real Producers Ann Arbor / Brighton on this weeks podcast. Real Producers connects top producing realtors and affiliates in Ann Arbor and Brighton, Michigan through a monthly high-quality trade publication, mastermind & social events, and online community. We share inspiring and educational stories, local market trends, competitive standings, and other reader-generated content. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Guest Links: Alice Whited Area Director of Real Producers Ann Arbor / Brighton Email: Alice.Whited@N2CO.com Ph: 734.558.5646 Facebook: @RealProducersAnnArborBrighton IG: @RealProducersAnnArborBrighton

Where are all the new homes?! If you're in the market, you've no doubt wondered why there seems to be a shortage of new properties available. This week, Danielle and Victor get answers from the experts at Healy Homes (who self-finance their operations, which means NO construction loan required!). Builder Mike Burke tells us why it can take 12 full months to build a home, how material shortages affect business, and why the building trade could be perfect for you. Check it out! Healy Homes is a family-run business that prides itself on every home it builds being a great home. We have been building quality new homes since 1982 in the Detroit area of South East Michigan and have built thousands of homes and developed dozens of subdivisions. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Guest Links Website: healyhomes.com  Ph: 248-773-7572 Email: sales@healyhomes.com Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

Danielle and Victor are back to recap some changes that went into effect July 1st: credit agencies now must wait a year before reporting outstanding bills to collection agencies. How will this impact your credit? According to Victor, credit is your financial resume, and we're here to help you become a competitive home buyer, this week! Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtorYouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

What do trivia and real estate have in common? Connections! Danielle and Vic host Jacob Jacovetti from Above & Beyond Realty and Jacovetti Entertainment. They talk about the interesting way that Jacob found his way into real estate and how his companies help each other. Listen in for some fun and entertainment. Show Links For more information follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Guest Links Jacob Jacovetti Ph: (313) 605.3221 Email: jacob@abrealtygrp.com Facebook: @ABRealtyGrp Facebook: @Jacob Jacovetti Keller Williams Living Facebook: @JacovettiEntertainment

Danielle and Vic are building a legacy for their company, agents, and clients with USA Mortgage. They're excited about their decision and the powerful additional offerings they can now provide. It's a great place to be; listen in to learn more! Show Links For more information follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

This week, learn the rules of engagement with Victor Bals and Jennifer Coppola as they talk about interest rates and market conditions. They share their perspective on the climbing interest rates and explain why historically there is still great opportunity to buy a new home. Show Links For more information follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Jennifer Coppola - Sr. Loan Officer NMLS#168883 USA Mortgage Brighton Jcoppola@usa-mortgage.com Ph: 248-310-9347 Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

This week, Victor is joined by Jennifer Coppola from USA Mortage to fill in while Danielle is away. Together, they talk with Bill Maniaci of MI Roots Group – Keller Williams Realty Living about current and historic housing market statistics. The market has been like the Wild Wild West and Bill shares some very interesting facts about what he's seeing and the importance of working with professionals who have their finger on the pulse of the real estate market. Show Links For more information follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/  Jennifer Coppola - Sr. Loan Officer NMLS#168883 USA Mortgage Brighton Jcoppola@usa-mortgage.com Ph: 248-310-9347 Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Guest Links Bill Maniaci - Associate Broker – Productivity Coach MI Roots Group – Keller Williams Realty Living Facebook: @MIRootsGroup Bill@MIRootsGroup.com Ph: 517-672-6612

Season 2 is here! This week, Danielle and Victor are back with new insights, new strategies, and new tools to help real estate professionals & consumers navigate the housing market. This episode includes Danielle's economic forecast, a discussion on how inflation is affecting your ability to buy and sell, and the importance of building a reputation in the real estate business... and Victor has a name tag now, too!  Show Links For more information follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

Need more time in your day to increase your real estate selling time? Listen in as Vic and Danielle are joined by Meaghan Murphy and Melissa Gaucher from Real Leverage Solutions. From start to finish they offer different packages to help agents get more time back in their day. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Website: Real Leverage Solutions Email: info@realleveragesolutions.com Ph: 810.844.1835

Danielle and Vic are joined by Attorney Erika McNamara to discuss why you should have a will or trust regardless of your age. Listen in as they cover topics on elder law, wills, trusts, and how to avoid probate court. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Erika McNamara – Attorney At Law, J.D., M.B.A. Ph: 734.476.0739 Email: erikamcnamaralaw@gmail.com Facebook: @erikamcnamaralaw Instagram: @mcnamaralawfirm

Abby Cooper, Partner of Cooper & Riesterer PLC in Brighton, MI. speaks with Danielle and Vic on Real Estate Law, involvement in the community, and the Livingston County Association of Realtors. There are lots of stories and topics to talk about when it comes to real estate law. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Abby Cooper, Partner - Cooper & Riesterer PLC Website: Cooper & Riesterer PLC Ph: 810.227.3103

Vic and Danielle talk with Dawn Crandall, EVP of Government Relations of the Home Builders Association of Michigan. With a lack of workers in the trades and continued supply chain issues, affordable housing is getting harder and harder to find. Listen in as they talk about their thoughts on the topic and programs designed to increase the workforce in the trades. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Dawn Crandall EVP of Government Relations Home Builders Association of Michigan Website: HBA of DawMichigan Website: MEPSS LinkedIn: @DawnCrandall

When it comes to mortgages, one size fits none. This week, Danielle and Victor are back to break down the benefits of a custom plan created by a certified mortgage advisor compared to the templates of a mortgage lender. Speaking of breakdowns, Danielle and Victor go in-depth on recent homebuyer trends and statistics to make sense of a chaotic home buying and selling market. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

Victor and Danielle welcome prospective first-time home buyer and Wayne Media Videographer Tory Nicholas to the podcast! Tory and her husband Dan are searching for their first home. In today's market, knowing where (and how) to start isn't easy, so Victor and Danielle are here with a crash course. Learn the ins and outs of gifts, taxes, escrow, closing costs and more, this week! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Learn more about Tory's work: https://www.speakeasynetwork.com/ 

Vic and Danielle are joined in the studio this week by Associate Broker and Team Leader of Mahon Homes: Heather Mahon, and Realtor Jacie Devota of Mahon Homes with Keller Williams Realty Living. They talk about a broad, yet extremely impactful, range of topics including - strategies for first-time home buyers, interest rates on the rise, how property taxes differ by location, the importance of a pre-approval, and working with a professional lender. Be sure to check it out! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com  Guest Links Heather Mahon Email: Heather@MahonHomes.com Ph: 734.649.1428 Website: Facebook: LinkedIn:  Jacie Devota Email: Jacie@MahonHomes.com Ph: 810.588.7667 Website: Facebook: LinkedIn:

Victor and Danielle discuss the newest product from Highlands - Lock and Shop! A strategic tool to help our buyers compete for their home! Interest rates are climbing fast and the housing market is not slowing down. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

John Carpenter and Jamie Wasil from Cislo Title join the Smarter Way Home Podcast this week to talk about title insurance and why you need it. Listen in as Vic and Danielle tell some of their own horror stories on the topic. They also give insight on 'Sell by Owner and Land Contracts' along with a discussion on Home and Auto Insurance. Join the fun! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com  Guest Links Website: CisloTitle.com  Website: CisloInsurance.com  John Carpenter- Mobile: (810)625-9815 Jamie Wasil - Office: (810)588-4302

Local Broker/Owner Laura Toms with Century 21 Affiliated joins us and shares home buying insights from her over 30 years of experience in the biz on this week's podcast! Remember the Gold Blazers?  Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Learn more about Laura: LauraToms.com 

In this week's episode, Victor and Danielle provide information on buying a vacation house and the requirements you need to follow to qualify. They also get into some deep conversations about the increasing interest rates and how that can affect your home buying. They share their extensive knowledge and statistics that potential home buyers should be aware of. Check it out! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

Highlands loan officers and power couple JoJo and Paul Dries join Victor and Danielle for week's (belated) St. Patrick's Day episode. They talk about their involvement with realtor and financial education, community involvement, and JoJo's accomplishments as a best-selling author!  Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Josephine Dries - Loan Officer NMLS #1941738 jojodries.com  Paul Dries - Loan Officer NMLS #896355 pauldries.com 

Home-buying (and selling) is a team sport. Victor and Danielle don't want you to go into what's projected to be a turbulent spring market without a solid playbook. This week, it's time to strategize. Tune in for insights on how today's market is changing - and how to capitalize on this historic seller's market. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

Danielle joins Victor from Texas this week to talk about real estate in Spring 2022. Tune in for insights on the housing shortage, the uniqueness of Livingston County, changing federal interest rates, and more. If you're considering buying or selling this year, Danielle and Victor have a crash course for you on this week's episode of A Smarter Way Home! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

Do you need a financial advisor? To answer that question, Danielle and Victor welcome Ryan Schacht, ChFC® w/ Great Lakes Financial Services Group in Brighton, to the show. Together, they break down what financial advisors do, and how having an experienced advisor can be key during turbulent times. Tune in for insights on how the Russia/Ukraine conflict will affect your finances, the difference between being financially independent vs. debt free, and much more! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Ryan Schecht Website: www.gr8lakesfinancial.com Phone: 810-229-4170 *Securities and Investment Advisory Services offered through Founder Financial Securities, LLC. Member FINRA & SIPC and Registered Investment Advisor

With the number of real estate agents going up and inventory still way down, what is in store for the future of home buying? Nick Coppola - a local real estate expert with EXP Realty - helps hosts Victor and Danielle answer some of real estate's toughest questions on this episode of A Smarter Way Home. Tune in for insights on training, technology, and the importance of adaptability in today's climate!  Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Nick Coppola Website: RealEstateByNick.com  Email: Nick@RealEstateByNick.com  Phone: 248-310-6833

This week, Danielle and Victor brave the Snowpocalypse to talk with the founder & CEO of My Credit Guy, Sam Parker. Sam's team helps clients all over the country qualify for financing of all kinds, including the all-important home mortgage. Tune in for tips on how to empower yourself with the gift of good credit, and start securing the loans you need for success! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Sam's website: mycreditguy.com 

Laura Boote, Danielle's daughter will be on the podcast discussing Instagram influencing, trends, strategies, and much more. Tune in and check it out!  Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Laura's Instagram: https://www.instagram.com/laura.elizabeth2/?hl=en 

This week, Danielle zooms in from her vacation to meet with Vic and Michelle Vedder, Realtor with Real Estate One to talk about Michelle's passion for everything in real estate. Michelle is a lifelong Livingston County resident and has 22+ years in the business. All of this combines to make her one of the most passionate and successful realtors in the county.  Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Michelle Vedder, Realtor -Real Estate One Website: MichelleVedder.com 

Todd Arnold, ACI is a “master” Home Inspector providing excellent service and reports protecting his clients when purchasing their new home. Trust in Todd, Owner of TNT Inspections to find any and all potential issues any property could have. From brand new construction to large industrial buildings Todd can seek it all out! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Todd Arnold Website: tntis.net Facebook: @TNTInspectionServices1 Linkedin: toddarnold1

This week, Vic and Danielle welcome in the New Year while talking about down payment strategies that are specific to home buyers. They also define what a bonafide gift source is and explain that not everyone can gift money.  Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

This week, Vic and Danielle are joined in the studio by Reggie Osborn, the local lender with Highlands Residential Mortgage. He speaks about his twist on mortgages and why he loves the mortgage industry. Along with, his life experiences and how it has drastically impacted the way he handles business. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Website: ReggieOsborn.com 

Vic and Danielle are joined in the studio by appraisal expert Mike Wilbanks. Mike has been a real estate appraiser for over 40 years. Throughout the show, they talk about what exactly influences an appraisal, including technology. Also, how there is a current trend where some buyers are offering sellers concessions. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com  Guest Links Mike Wilbanks - Wilbanks Real Estate Appraisers

This week, Vic and Danielle interview the CEO of the Home Builders Association of Michigan Bob Filka. Bob has years of experience working with professional builders statewide. He is a financial manager and innovator that has worked to build reserves, cut the annual budget, and had guided tough decisions to stabilize the organization during the most dramatic industry downturn in history. Throughout the episode, they discuss the current home building industry, and more importantly, the lack thereof. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links HBA of Michigan 

The ‘Small World' cliché is true in the case of Dusty and Heather. Did you know they both grew up in the same house?  Listen now to hear the story of how they met and came to start their unique lender/realtor duo in the real estate industry. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com  Guest Links Dustin Anderson - Loan Officer NMLS #861688  Website: dustin-anderson    Heather Shaun - Realtor - Keller Williams Website: heathershaun.kw.com 

This week, Vic and Danielle interview Barry Habib, who is famous in the mortgage industry. Barry is an Amazon #1 bestselling author for his book "Money in the Streets", he had made frequent appearances on CNBC and Fox, and he is also the CEO of MBS Highway. MBS Highway is the industry's most highly regarded and recognized tool for transforming salespeople into advertisers. Tune in this week to learn more about Barry and his predictions for the future of the mortgage industry. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Website: mbshighway.com  Facebook: @MBSHighway  Instagram: mbshighway 

In the mortgage business, you survive by either being the cheapest, or the most valuable. Today's guest Dave Saylor chose the latter, and joins hosts Victor and Danielle to talk about his system for serving clients in Livingston County. They talk inflation, finding value, and much more! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Dave Saylor - Loan Officer NMLS #311342 DaveSaylor.com  Ph: 810-923-6449

This week, Vic and Danielle are joined in the studio by Carole Bullion of Liberty Title. She is known as a local title expert and also one of the nicest and most generous people in the industry. During the show, they talk about the current title industry changes and how they are benefitting buyers on their journey for homeownership. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Website: LibertyTitle.com Email: CBullion@LibertyTitle.com PH: (810) 225-9597

This week, Jennifer Coppola, Sr Loan Officer at Highlands Mortgage joins Danielle and Victor in the studio. Over 75 years of experience combined in one room! They share their own takes on the industry, current matters, and this Zillow iBuy fallback! Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Website: MortgageProJennifer.com 

This week, Vic and Monica, the Assist Marketing Director, are joined in the studio by Darlene and Brie Hamilton of Hamilton Real Estate. During the show, this mother and daughter duo share some crazy stories from their time in real estate. They also give advice and talk about future predictions for the market. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Website: https://teamhamilton.net/  FB: @teamhamilton   IG: teamhamiltonmi 

Victor and Danielle discuss what the effects could be for those in deferment/forbearance with their student loans come February 2, 2022. Take a listen for the facts and tips they share to help former students enter back into repayment. Be prepared to not fall behind, potentially delaying any approval when applying for financing. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

In this week's episode, Vic and Danielle lay out the facts for what makes someone ready to become a homeowner and what will set them back. They begin by describing the important difference between not being qualified for a loan compared to not being qualified right now. They discuss how often times mortgage lenders tend to appear as the bad guys because they pop emotional home buying bubbles. They also lay out the yellow flags that all potential home buyers should be aware of to prepare for the future. Show Links For more information follow the links below. Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

In this episode, Vic and Danielle talk about all of the ins and outs surrounding Rural Development Loans. They go in-depth about the necessary requirements to apply, credit specifications, and down payment ranges.  Show Links For more information follow the links below Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com

In this week's episode, Vic and Danielle are joined in the studio by Dominick Comer and Bill Maniaci. Dominick is the Operating Principal Broker Owner of Keller Williams Realty Living here in Livingston County. Bill is the listing and buyer agent for MIRootGroup.com. Throughout the episode, this team of Home buying and selling strategists discuss whether we are currently in a housing bubble and why or why not. Along with Livingston County housing data, home affordability, and the cost of waiting. The purpose of this episode is to help educate home buyers and sellers on how to make the wisest decision based on long and short-term goals. Show Links For more information follow the links below.  Website: AssistMyRealtor.com  Facebook: https://www.facebook.com/assistmyrealtor  YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw  Instagram: https://www.instagram.com/assist.my.realtor/  LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/   Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com  Guest Links Dominick ComerOperating PrincipalKeller Williams Realty Living  Email: dominick@kw.com   Bill Maniaci Realtor® Website: MiRootsGroup.com  Email: bill@mirootsgroup.com  Phone: 517.672.6612