4 Items That Are Always Negotiable When Buying a Home! Or are They?

Rick Ripma  0:00  

What can you negotiate when buying a home? Find out all the whats, some might surprise you. And more this week on Indy's Real Estate Gurus.

Announcer  0:15  

Advisors Mortgage Group is proud to present in these real estate gurus hosted by Rick Ripma, the hard working mortgage guy, please contact Rick for all of your mortgage needs at HardWorkingMortgageGuy.com That's HardWorkingMortgageGuy.com. Now, here's the hard working mortgage guy, Rick Ripma.

Rick Ripma  0:42  

Good afternoon, I'm Rick Ripma, your hard working mortgage guy

Ian Arnold  0:46  

and I am Ian Arnold Advisors Mortgage Group. And reminder when you can actually get any of our podcasts or any our past shows of Indys Real Estate Gurus. And, Dot com, no, no, no, you're not to look

Rick Ripma  0:59  

.com. You can you can go to any any real. Yeah, I'm sorry. You're right.

Ian Arnold  1:03  

This is difference between New Tech new guys in technology and old guys. Goodness. But then our website though, that that has a.com It's hard working

Rick Ripma  1:13  

mortgage guys.com say that's what happens. I'm going back to bed.

Ian Arnold  1:19  

All right. All right. So let's get into what we like to call Rick's perspective. So Rick, I know you were looking at some numbers earlier this week. And what really caught your eye?

Rick Ripma  1:32  

Well, you know, I'm always looking at numbers. And I always I just find it very interesting. There were several things that I thought were very interesting. Number one, you know, we hear a lot on the on the radio are people talking and they're saying that houses aren't a good investment you shouldn't buy you know, they're telling you you should rent not buy. Most of these people are actually renters one of the guys I can't remember his name. You were talking about him. He actually

Ian Arnold  1:57  

Grant Cardone he actually was in a car business. And then he started getting into real estate once he got so much money. But yeah, I know what you're talking about. Because I heard him and he goes, Oh, well, you shouldn't buy a house. It's not a good investment. I'm like, What are you talking about? You actually buy home? Yeah. And he turns around and rents them and sells them or it's all about real estate. And let's be honest, the vast majority of millionaires slash billionaires, they're into real estate.

Rick Ripma  2:25  

That's right. And that's exactly what I wanted to talk about, and why the net worth tears. So in the top 1% of all the people in the US to be in the top 1% You have to have $10.8 million in net worth. Now net worth could be an equity in your in your homes. It could be in you know, investments, but your net worth the top 2% is 2.5 million, that's what it takes to get in the top 2%. Top 5% A million dollars, top 10% $800,000. Top 50% is half a million dollars. All right. And that sounds like all of that sounds like a lot. On average, two thirds of the net worth comes from home equity. And that

Ian Arnold  3:15  

is a huge amount. People are Yeah, you don't realize how much I mean, we've talked about it. But you have to think about if you had a $200,000 house two years ago, and the way enter error, the equity has gone up, you increase roughly 38% So you want you almost increased $40,000 in two years. In a $200,000 home here in Indiana. That's incredible. Now imagine that over a lifespan? I mean, that's where they're talking about you get the equity in your house. Right. And you know what,

Rick Ripma  3:51  

this just popped in my head. But if you if you think about everybody's all upset because interest rates have gone up, right. Yeah, they were they were at historic lows, historic lows. And they've come up and they're still below the average. Easily. Yes, yeah, several points below the average there. But they're below the average. And, and yet, because of that, there's a lot of experts right around a lot of people buying into it, oh, don't buy a house, don't buy a house, don't buy a house. Um, you know, the equity increase in a house is not dependent on the interest rate that you pay.

Ian Arnold  4:32  

Here's the thing. Interest rate can always change for you. Guy, all you have to do is refinance. So let's say you, let's say the average today is 6%. And I'm just making up I'm just putting out numbers right now. So let's say you got 6% and three years from now, interest rates drop and now we're down to 3%. Guess what? Refinance.

Rick Ripma  4:55  

Right then you may and you may refinance on the way down a couple times because note The one thing you never know is what what where the low is or where the high is. That's what you never know, here's what I've noticed at almost 30 years in the business, when rates are going up, when you hit the highest rate that you're going to get. Many people lock at that rate, because they're scared rates are going to continue to go up. When rates are going down. Very few people lock at the low, because everybody thinks they're gonna continue to go down. You know? Can you know, do you think it's gonna go down another eighth? We're at the lowest this is when we were at the lowest rates we've ever had in the history of mankind, as far as I know. And do you think it's gonna go down? Well, yeah, it might. But what's the risk factor at that? Correct?

Ian Arnold  5:43  

Yeah, the way I look at it, you should never judge a house on buying a house based off just interest rate alone. I mean, it's a piece of the puzzle. It's a very small piece of the puzzle. And it doesn't really matter.

Rick Ripma  5:58  

To a point, it matters, it matters. It matters. But

Ian Arnold  6:01  

what I'm just saying is, like we just said, you can always if it's a higher rate later on, you can refinance. Yeah. So that's a matters and

Rick Ripma  6:07  

affordability. Yes. And, and it, I agree with you. It's something that you have to consider. But I wouldn't say in this market right now, if you need to buy a home. I'm gonna wait.

Ian Arnold  6:19  

Yeah, yeah. So let me redo this. So if you're looking at a scale of one to 10, and 10, being your most, you had to have it like price wise, when I'm looking at rate, it's down to like, eight or nine. It's not, it shouldn't be a big determining factor. Now, the price of the home should be the biggest because that's what's really going to affect your payment the most is how much you finance, then, and then art, what are you looking for? Are you looking for a three bedroom, four bedroom? That's gonna be a higher priority, then? I think interest rates, so I would interest rate I've looked very low to

Rick Ripma  6:56  

Yeah, everybody has different numbers. The problem for you and I as we are, we are numbers, guys. So we end up putting numbers first. Yes. No, and, and there may be other people who think it's different. But that's why we do what we did were numbers, guys, we understand numbers, we understand all that. I agree with you, because I you know, somebody who's waiting right now, if they wait two years, and they're expecting, you know, homes, to continue to appreciate it at, you know, five to 12% over the next couple of years, if they just appreciate the 5% each year. Even if rates go down your payments gonna be the same or higher, you might as well take advantage of getting that equity, and less money down and everything else. So that that I agree, it's, it's, it all matters, you just have to work through it. And look at the entire puzzle, the entire picture. So you're doing the right thing. You know, the other part of this one of the things that we're seeing is I want to go over is a new home sales signing contracts for for July of 2022. And it's the sales have slowed down on new homes, which everybody knew I mean, with interest rates going up, homes are going to slow down a little bit. We expected this. This is not unusual, but it's coming it's slowed down from unbelievable highs. Yes. You know, it's it's not like you know, we were already you know, dead in the water and it's slowed down from there. It's we were booming at the highest levels ever.

Ian Arnold  8:22  

I mean, I'm a sports guy. I'm shooting in basketball 90% For three weeks straight and then I dropped down to 70% Guess what you're gonna see the reaction and they were like, Oh, you're not hitting as much. You're still shooting 70% Seven out of 10 shots are going in.

Rick Ripma  8:38  

Right yeah, that's that's still big. But the for sale total inventory was 464,000 homes. And then we have annual sales and this is this is over that month. Okay. This is just for July. But the annual sales pace was 511,000. That's down 13 month over month and 30% year over year. So the the sales price went down but again, they'll report that as a real huge negative right the report that as your annual sales, the the dollar amount went down or the the the sales pace went down. And that's really bad. But you know what this happens every year we hit the we see a peak and thanks and then we see it come down and this is just the normal way that this this moves. The for sale monthly sales pace was 10.9 months that's that's what was was the pace of new home sales are completed there were 45,000 homes completed in the US and New Home Sales. There were monthly sales pace was 42,600 and the completed monthly sales pace. So there's one points, oh six supply of homes monthly supply of homes. And then the medium home price actually went up, the median home price went to 439 400. That's up 5.9 month over month or 8.2. Year over a year. Again, that doesn't mean the values went up. But we have seen the materials and everything go up. So prices have gone up on new homes. Yeah.

Ian Arnold  10:28  

And keep also in mind, that is nationwide. That's not just Indiana,

Rick Ripma  10:33  

right. That's nationwide. And it's it's, you know, those numbers are showing a little bit of slowing pace, but not a huge slowing pace. The pending home sales are slowing, again, part of the normal market. And but it's not it's it's still phenomenal because our because we came from such a work, we're looking at it and comparing it to such a high level correct. And you know, with that, as everything slows, we still we've talked about what we feel is going to happen. We still feel I do anyway, that rates are going to go down over time. But you have to understand rates do not go straight up. And they do not go straight down. So we've we hit our high in June. Rates came down through July. They were down in the early part of August. They bumped up a little bit. We're not where we were in June. But we did bump up a little bit. That's normal. Yes.

Ian Arnold  11:32  

I mean, you're never gonna see a drastic doesn't work that way. No. And then it's, I mean, just look at gas prices, they can shoot up. But what happens when they when they start to lower? What happens? They'll they'll go from 450 to 440 to 430, up back up to 440. And then it's the same thing. It'll keep coming down. But it's uh, it'll be slow trickle it'll go up a tick or two, and then we'll come right back down. Same thing with rates.

Absolutely. That is and you know, we're, we're actually coming up on break. So I think we'll just go to break and when we get back, we will go over the four items that are always negotiable when buying a house or our

Unknown Speaker  12:15  

advisors mortgage broker licensed by Indiana Department of Financial Institution equal housing opportunity. NMLS 33041 Rick ritmos NMLS 664589

Rick Ripma  12:24  

Hi, I'm Rick Ripma. With the hard work and mortgage guys and advisors Mortgage Group where we believe delivering the best mortgage for you is why we exist and it's how we all succeed. We believe

Unknown Speaker  12:33  

honesty, kindness and hard work are how we honor each client and hardworking

Ian Arnold  12:38  

mortgage guys, we believe in custom tailored loans, not the one size fits all approach.

Unknown Speaker  12:42  

We believe in always presenting you with all your options. So you get the loan you want the way you want it. We believe

Unknown Speaker  12:48  

in continually monitoring the rules, rates and market trends. So you don't have to

Unknown Speaker  12:53  

we believe in working hard to meet your closing date so that your entire plan isn't upended.

Unknown Speaker  12:58  

We believe in offering the same quick online process that the bookstore mortgage companies brag about whether you're refinancing or buying your first home,

Rick Ripma  13:06  

we believe there is the best mortgage for you and we believe we are the team to deliver it find us online at hardworking mortgage guys.com.

Announcer  13:19  

Brought to you by advisors Mortgage Group, where we believe the more you know about financing a home, the less stressful buying and refinancing will be.

Rick Ripma  13:32  

Welcome back, and thanks for joining us. I hope you're having a great weekend. I'm Rick Ripma, your hard work and mortgage guy

Ian Arnold  13:38  

and I'm Ian Arnold with Advisors Mortgage Group. And if you did miss our first 15 minutes, again, check out our podcast Indy's Real Estate Gurus.

Rick Ripma  13:48  

Yep, or you can also go online to our website, if you need to contact us you have any questions about mortgages, just want to talk, you know, and just he gets bored. So you might just want to give him a call. But you can do that all online at HardWorkingMortgageGuy.com HardWorkingMortgageGuy.com, you can fill out the contact information on that website. It's on the upper right side. Or you can get all our contact information from there on the bottom and you can give us a call. So you please go there if you have anything or need anything with us. And now we're going to the question of the week with Ian Arnold.

Unknown Speaker  14:25  

Now it's time for questions with the gurus.

Ian Arnold  14:34  

Question of the week this week is brought to you by refinance and what does refinance mean for you if you are looking to lower your interest rate or even lower your payment now is the time to refinance. So give Rick or I a call and we'll definitely help you set up set up a plan and everything to help you with your refinance.

Rick Ripma  14:54  

Yeah, and you know, even if it's not the right time for them to refinance, if they get with us we can watch put them in our Rate Watch program, watch the rates for them. When they get to a point that makes sense. We can definitely refinance it

Ian Arnold  15:05  

that make it nice and easy for you let us do the work. Alright, so last week's question was, what kind of running leads to walking? Luckily, this has never happened to me. I'm gonna knock on wood right now. running out of gas

Rick Ripma  15:20  

to happen to me. Yeah, has it? Yeah. But you know, our cars weren't like they are today. Yeah.

Ian Arnold  15:26  

I mean, you had Fred Flintstone it? Yeah. Well, I

Rick Ripma  15:28  

know, you didn't run out of energy. On Fred Flintstone, you know, they couldn't go. He couldn't go do something because I didn't have a car. Well, you sit in your car, and you push it with your legs.

Ian Arnold  15:45  

Alright, so this week's question is, what rock group consists of four famous men, but none of them sing.

Rick Ripma  15:53  

That's a good one. So

Ian Arnold  15:55  

let's get into what we're the whole thing this week is what are some items that you can or cannot negotiate when looking for a house? So we get this quite a bit. And some people tried to watch this funny and try to educate us on Oh, no, I can I can haggle on that. Well, no, you really cannot. I mean, but the main thing that everybody knows you can haggle on, maybe not this type of market, but normally is the house price.

Rick Ripma  16:28  

Right. And you know, it's it's interesting. First off, part of the reason I wanted to go over this, and when you and I talked about it, I thought it was a good idea is some big news organization. I think it was realtor.com. Or it may have been one of those, put this information out there. And quite honestly, some of it was just flat out wrong. Yes. So that's why I wanted to go over it. I wanted to set some of this stuff straight, because it was just incorrect. But the price of a home is definitely negotiable. Now, it's weird, because there was a mark the market up until about two years ago, maybe not quite that long ago, the way that it worked is for most homes, not all homes, you price your home, the price of your home was the starting price. And everybody bid less than that. So you said I want to sell my home for $400,000. And Ian and I, Ian and his wife would go in and my wife and I'd go in and in would say you know what? I'm willing to pay 395 for your house. And I might come in and say I'm only willing to pay 390. So they'd sell it to Ian, rather than me because he was willing to pay 390. Right? Correct. Or they might want you know, the best offer, you know, last best offer whatever they call that. So that would be one way to do it. And the house I think most people know that the house price is negotiable. Today, not on all homes. I think it was 53% of the homes and in Indiana maybe been a little bit more than that over the last month. But it was much higher than that one time, because we receive so many offers on homes and they're still I still see our market better than a lot of markets, where we're still getting a lot of traffic, we're still getting multiple offers. And quite a few of them are selling for more than less price. So today, the market is I listed for 400,000 and see how much higher it goes.

Ian Arnold  18:22  

Yeah, I mean, it's it's the opposite of like the analogy of when you go buy a car. I mean going buying a car the old time was you go in you haggle you come down. Nobody really pays higher than sticker on a but on homes. This right in the last few years. It's been alright, how much you going over the asking price.

Rick Ripma  18:46  

What's going on in cars, too?

Ian Arnold  18:48  

Yeah, I'm Sonlight Yeah,

Rick Ripma  18:50  

I'm very into cars as you are. You understand cars you came out of the business. I'm really into cars and I watch even though I'm not in the market, I watch them all the time. You take certain cars, you take a Ford Bronco, you take a Corvette some of the other cars out there probably the new electric Hummer, maybe even some of the new electric fields probably I don't know this for a fact but probably the Tesla's things like that. They do sell for more than less price.

Ian Arnold  19:21  

Yeah, I mean there is a market I mean, it's not as much as like the way the houses are going. But but it is still shocking that now some of the especially new cars are going for over sticker.

Rick Ripma  19:31  

It is absolutely amazing. I had a customer who bought a car. He he said I only bought it because I guess he had the employee discount family employee discount. He said I'm gonna drive it for six months, and the dealerships gonna pay me X amount of dollars like 50,000 More than I paid for it or 20,000 some ridiculous amount of money. That's unbelievable.

Ian Arnold  19:57  

Yeah, it's it's crazy. Um, but alright, so get back on. No, you and I can talk about cars all the time. That's why our a special episode next week is how to buy a car. And in today's market that's, I mean, when you got to car people will talk to you about it all day. But what about earnest money deposit?

Rick Ripma  20:17  

Well, your earnest money deposit is, first of all, almost everything on a house on negotiate, you can negotiate most things on a house. Some things are much more valuable to negotiate another earnest money is another one too, you can negotiate again, in a normal market where there aren't, you know, four or five offers coming through the earnest money. When we negotiate, you know, you can negotiate it down, you don't have to put, you know, earnest money is not your downpayment. Earnest money is part of your down payment, you put it early to show the people that you want to buy their house and also in Indiana, and I think everywhere, without any exchange of value money with the offer, the offer isn't valid. So they could sell it out from underneath you if you didn't give them anything, but $1 is all you have to really give. But most people won't take that they want enough that it makes them feel secure. But you can negotiate that it's all in what you put in and in your offer. You can say I want to, you know, I want to put in I'll put 5% earnest money up, I'll put $500 I'll put $1,000. It just depends on what you're comfortable with. You work. That's one of those things that you really work out with your real estate agent. Correct. They're the people who know they understand the market, they know what you're going to need to do to get what you want.

Ian Arnold  21:33  

Okay, so this is on the article that you and I both read. And it's not just in the article, we've had customers actually call us and talk to us about this before. This was the biggest, no, this isn't this isn't right was money back at closing?

Rick Ripma  21:49  

Yeah, this was a this was a it's amazing. And I don't I don't even know how they came up with this. What the article says is that, well, I'll just read a read that part of it. Let's say you see a home that you wanted, that you want, that's $500,000 If you want to put 20% downpayment $100,000 In our 5%, for closing costs, which is very high 20, in our in our market $25,000. You will need 125,000 in cash, if you had 145,000 ins in your savings account, you'd have 20,000 leftover after the closing on the home. But if a buyer wanted even more cash leftover for emergencies, and living expenses, they could offer to pay 510,000 for the house and then ask for $10,000 Back in cash. That is not legal. That is called an inducement to buy. And it is not legal, no mortgage company that I know of allows that it's not allowed on Freddie Mac, Fannie Mae Federal Home Loan Bank, FHA, VA, USDA, I don't know of anybody who allows that

Ian Arnold  22:56  

now, the seller can give you money for but it has to be oh, well, let's say the roof needs to be fixed. They can give you money then yes for that, but I thought they could.

Rick Ripma  23:09  

They can but not the way you're explaining it. The way they can give it to you is they can give it to you. By writing at closing, they take a check out of their proceeds made out to the contractor. Yes, yeah, I just want to explain.

Ian Arnold  23:26  

Yeah, yeah, it's just like, so if all I wanted to do is let people know, the seller can still give you money first.

Rick Ripma  23:34  

They're not giving it to you. We'll give you money. They can give you a contractor. Yes,

Ian Arnold  23:37  

yes. That's what I mean. Yeah. You gotta be careful. Yeah, that's all but what I'm just saying is, you can't like, Oh, let me over bid and then oh, now just write me a check. No, that's not happening.

Rick Ripma  23:50  

No, they can't write you a check. They can't have it taken out of their proceeds at closing. They can't do any of that. No, it's not. It's it's called an inducement to buy and you can't you can't do that. The real estate agent can't do that. The mortgage lender can't do that. Nobody in the process can can do that. They can't give you money. There the there can be some minor it's not really on the money. But if you had a family member, you know who was they might be able to give gift you money. But that's that's about it.

Ian Arnold  24:25  

All right. So you know, that heated soft topic?

Rick Ripma  24:31  

Am I read it? I'm sorry, I read it. It's like, What in the world? Are these people? No,

Ian Arnold  24:36  

I fully agree. Because then you showed me and I was just like, No, you can't do that. I breaks every law that when I get my license, I just say you don't pass.

Rick Ripma  24:48  

Right? It doesn't. It's it's and they put that out there. It's my problem with the media many times as people who don't really know. Okay, and this is somebody who you would think Good, though, because it was a it was a major Real Estate Group. And it came to my attention because of a real estate attorney told me about it. Yeah. Okay. He said, he said, Look at this, he couldn't believe it. I couldn't believe it. You know, it's, it's amazing. But that's what's out there. So you have to be very cautious on who you listen to. You got to talk to people or listen to people who actually know what they're talking about. And in this case, we know what we're talking about that is just wrong.

Ian Arnold  25:27  

So what about what about home insurance? And when I say home insurance, I'm talking home insurance. If something were to happen to your house, not not PMI or anything like that,

Rick Ripma  25:39  

right? Yeah, PMI, we actually shot PMI. But it is what it is when it comes out. It is what it is home insurance. There's there's a variety of ways. It's not, it's not really negotiating in my mind for insurance, but you can, you can shop your homeowners insurance. But the hard part about shopping insurance is shopping the exact same items, because each insurance company has little different things. So you want to make sure you have a good insurance agent who's going to get you the right, the right deal. And then it also comes down to what you add to your policy. Like I know there's there's a there's movements at times for earthquake insurance. In Indiana, I don't think we use that very often. Oh, back in back about 20 years or so ago, there was a guy, I suppose it expert who said we were going to have we were in line to have a earthquake in Indiana, and they sold a whole bunch of earthquake

Ian Arnold  26:45  

control. We do have earth I felt one last year. I mean, do anything. But there was still an earthquake,

Rick Ripma  26:52  

they were saying he was saying major earthquake and it was going to and of course, that would be a disaster. But it never had so far has not happened. All right. So that's one area. It's not really negotiated. But it's picking out what you want in your insurance. Now you have to meet what we require as a lender what lenders require. When I say us, I'm really talking. One thing people get confused about it's not us. It's Freddie Mac, Fannie Mae, Federal Bank, FHA, VA. So you can you can negotiate what you add in your insurance. That's what you can negotiate. You can also shop your insurance.

Ian Arnold  27:24  

Yep. All right. So now, what about mortgage right? Can you actually haggle on a mortgage rate and closing costs?

Rick Ripma  27:31  

Not really. Yeah, I mean, there might be a time if you have you know, where there's something that can be done. But for the most part, our we get our we get our rates, that's what they are. Now that what you did, what you can do is say, Well, maybe if I pay a little bit what they call points, it doesn't have to be a full point, sometimes, for an eighth of a point, you can get a quarter or an eighth lesson rate, sometimes, sometimes it might cost a little more. And that might be worth it. We always go over that to make sure they under they know, but it adds a little bit of cost. But it might be worth it over the long run. But that's something we should talk about.

Ian Arnold  28:07  

And then closing costs. I mean, basically, we basically have to charge what every person is saying. So the only things that can sometimes change is if you go to a different title company,

Rick Ripma  28:17  

the title company fees are closing costs, and they're not something we control at all right, appraisals. And other one, we don't really control it, the appraiser controls that. So yeah, so and that is the end of the show. Wow, that went fast. I can't believe it. But thank you so much for joining us again, if you would like to contact us it's HardWorkingMortgageGuy.com. That's HardWorkingMortgageGuy.com. I'm Rick Ripma, your hard working mortgage guy

and Im Ian Arnold with Advisors Mortgage Group. And reminder next week is our special. How do you buy a car in today's market?

I can't wait. Thanks for joining us have a great day.

Announcer  28:54  

Brunch NMLS number 33041 Recruitment NMLS number 664589. Ian Arnold's NMLS number is 1995469 equal housing opportunity, some restrictions apply?

Unknown Speaker  29:04  

Well, first off, thank you for joining us, Danielle. I appreciate it. And I just was curious, how did you come to find out about Rick Ripma and advisors mortgage, oh, I

Unknown Speaker  29:12  

was looking for a mortgage for myself for a brand new home that I was building. And I wasn't sure the direction to go. I didn't have anybody in mind. So I kind of just spoke to whoever I could speak to. I got their number and everything seemed to be exactly what I was looking for. So I went with them. The thing I liked the most about Rick and his advisors mortgage is that I could go and upload things online and I didn't have to always be on the phone with them or sending them documents or trying to look for certain things that I needed to get the process going. Which was really great for me. I had a processor named Mark Coleman who really helped me out in making sure I had everything I needed because I I didn't know the first thing about having a mortgage so it was all wouldn't have so much help. I think probably what I've benefited from the most is really just the understanding that sometimes I would get busy. And maybe I forgot to upload a document or I forgot to do a certain part of the process in a timely manner. And they would get right back with me and it wasn't like a, hey, we really need this right now. It was always Hey, just wanted to make sure you still remember that we

Unknown Speaker  30:24  

need this. Boy, you don't get that too much. In this day and age, it seems like most people are either, you know, very demanding of something they need from you, and they need it right now. And, and I agree, I've seen that in Rick's attitude with us over over the last 10 years that he's very patient, but also helpful to get the right things he needs. So exactly. In conclusion is Rick Ripma and advisors mortgage, somebody that you would use in the future and or tell your friends and family about?

Unknown Speaker  30:50  

Absolutely. And I just want to thank them for all the effort they put in to help me find my dream home.

Announcer  30:55  

Ranch NMLS number 33041 Rick Ripma is NMLS number 664589 equal housing opportunity, some restrictions apply.

Rick Ripma  31:01  

I'm Rick Ripma. You can go to hard work your mortgage guys.com

Transcribed by https://otter.ai