Indy's Real Estate Gurus
Nov. 14, 2022

Guru Chas Schaffernoth With Century 21 Scheetz

Guru Chas Schaffernoth With Century 21 Scheetz

Chas Schaffernoth from Century 21 Sheetz joins us today to tell us all about him

To Contact Chas Schaffernoth   
call or a text at 317-975-1523
Email-- chas@c21scheetz.com

Contact Hard Working Mortgage Guys

Rick Ripma  Call or Text  317-218-9800
Email--rripma@advisorsmortgage.com

Ian Arnold Call or Text 317-660-8788
Email--iarnold@advisorsmortgage.com

Transcript
Chas Schaffernoth:

We are very excited to have Chaz Shaffer NOF guru Realtor with Century 21 sheets and author of How to sell homes fast for top dollar joining us. Stay tuned as we hear Chad's fascinating story and learn how to sell homes for top dollar. Today on India's real estate gurus.

Announcer:

Advisors Mortgage Group is proud to present in these real estate gurus hosted by Rick Ripma and Ian Arnold, the hard working mortgage guys, please contact Rick Annie and for all of your mortgage needs at HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com. Now here's the Hard Working Mortgage Guys, Rick Ripma and Ian Arnold.

Chas Schaffernoth:

Thank you for joining us today. I'm Rick Ripma. And

Ian Arnold:

I'm Ian Arnold with and we're both with Advisors Mortgage Group for

Chas Schaffernoth:

the hard work and mortgage guys.

Ian Arnold:

Well, I'm hard working when I don't know about you. But if you need to get in contact with either one of us, you can contact us at HardWorkingMortgageGuys.com And it's HardWorkingMortgageGuys.com Now, we have a wonderful guest with us today, Rick? Yes, we do. And Chaz has been in an industry for a while actually is based out of night off of 96th Street and make gray road.

Chas Schaffernoth:

Century 21 sheets exactly correct. Correct.

Ian Arnold:

So jazz, why don't you introduce yourself to everybody.

Chas Schaffernoth:

I'm Chet Schaffer North happy to be here happy to be here in Carmel and Indianapolis and help him helping people find and sell homes. So it's a it's a great spot to live. I've lived all over the country. And and I'm really enjoying this area. Indiana is a great state. And I think it kind of proved that through some of the last couple years. Yeah, I think you're right.

Ian Arnold:

So were you. Were you born here? Where were you born?

Chas Schaffernoth:

No, I was actually born in New Jersey. Don't hold it against me. And my parents moved down to North Carolina. I grew up in North Carolina. Back when I was a youngster. And then after graduating college, started in a sales career, and then moved all over the country with that career raised five kids. We live in Charlotte, North Carolina three different times, but I've lived out west Chicago, Nebraska, Florida, Georgia, Maryland, Arizona. So anyway, but we're here now and really enjoying this area.

Ian Arnold:

So where do you go to college?

Chas Schaffernoth:

I went to Florida go Gators the first couple years and then I got a boom off right. And then finished up in North Carolina, Charlotte and I actually play golf there University of Charlotte. So

Ian Arnold:

that's awesome. I grew up in Florida for basically the first 16 years of my life. I'm a diehard Seminole fan. So I don't know how this interview is gonna go.

Chas Schaffernoth:

Just went south. But honestly, I'm not a fan at all either way. So I like both of them.

Ian Arnold:

So what did you study

Chas Schaffernoth:

in college? Business Administration, marketing.

Ian Arnold:

Awesome. And then when you got out of college, what did you end up start doing?

Chas Schaffernoth:

I started a sales career. The college with Bristol Myers Squibb still out there today there to do a lot of cancer work now. But I started on the consumer product side of the business. So started there was promoted with the youngest district manager at 25. Ron in the Chicago area. And so you know, it's a hard working guy. I grew up in a family where hard work meant a lot and was a key key character that was taught to us by my by my parents, and anyway, so did real well there. Bristol Myers for about four and a half years ago ended up going to Kraft for a short period of time. And then I transitioned into ConAgra Foods, which I was there 18 years, I was a vice president there running sales teams for a while as well, and then moved over to Perdue farms as the vice president running national sales team there. So anyway, just a little bit of background. As far as what got me here, then I got I mean, you want me to keep going? He told me.

Ian Arnold:

Yeah. I mean, So what made you transition to real estate? Because that's a big difference between being in the food business and stuff like that. And then all right, let me go sell homes.

Chas Schaffernoth:

You know what? That's a great question. I appreciate that question. I was married 31 years, I lost my spouse, my first my first wife to an aneurysm. And well, thank you so much. I've got five kids. And so that was a tough, tough period of time, but nine years ago, but I was really blessed to find a wonderful new wife, who's from Carmel, and she really wanted to be in Carmel. And so here I am, I moved to Carmel a few years ago, and, again, really enjoying it and very fortunate to have found a wonderful wife, who also lost her spouse after 34 years. So it's kind of neat how the good Lord brings that together. Yeah, it's amazing to because, you know, you may be new or to Carmel, but you have history with him. armo because of your wife, and you probably know more about Carmel than anybody else who only only been here, you know, 556 years or you know, a few years. So it's you know that you know, the history of of the area. And it sounds like you really enjoy Carmel. I really we're big fans of Carmel, I do a lot of my work here in Carmel, help people come from out of town, California, other states Ohio, to sell in Carmel, they just they just really enjoy the downtown areas. They've done a great job here with the mayor and so forth and, and building out Carmel, and providing a lot of opportunity for folks to work here to live here enjoy living here, Hamilton County. And then obviously Cornwell schools are great. And that's a big draw as well. So, but yeah, big fan of Carmel and I'm loving roundabouts. Now, it took me a while not to. But now I got it down. You stay in your life.

Ian Arnold:

That is the one thing if my parents are from Broad Ripple. They hate coming up this way. Just because around bots, I'm like, once you get used to them, which I know you're right. Yeah, there's so much easier, so much faster. I mean, I used to work up at 96th Street, and with all those stoplights was horrendous, the drive thru. Now they had the roundabout, I'm basically from Keystone to 69 and roughly five, six minutes. You don't hit lights. You don't have to wait on anybody. I think there's less accidents now especially during rush hour times. Sure. Roundabouts are the way to go.

Chas Schaffernoth:

Statistically, roundabouts are much safer and much less accidents. And it makes sense. You don't have somebody missing the stoplight and going through and slamming into the side of somebody's

Ian Arnold:

teenager on their cell phone. Look in red light.

Chas Schaffernoth:

They work no carbon footprint. Yeah, that they work.

Ian Arnold:

So which I like to go back. So your wife is from Carmel and everything right? Yeah, she lived

Chas Schaffernoth:

here for a number of years. Grew up she grew up on the south side down Southport, but as an Indiana gal, and, you know, so she certainly has relatives here, sisters, siblings and so forth. And you know, very much a Hoosier.

Ian Arnold:

And we see a lot of that where people transition to other parts, but it's still once you're once you're Hoosier, you're always a Hoosier.

Chas Schaffernoth:

Exactly. And you know what, she's She jokes all the time. But we'll go we'll travel go to Florida, wherever. We're always running into people from Indiana. It's like they're everywhere. So it's kind of neat. It's like I got the Indiana connection. Yeah. So.

Ian Arnold:

So do your kids still live around here? Or

Chas Schaffernoth:

no, my kids are all grown. I have three in North Carolina, one in Maryland and one in California.

Ian Arnold:

So you got to travel quite a bit to go see them. It's not like, Hey, let's go this weekend to go see

Chas Schaffernoth:

the flyer miles aren't as frequent as they used to be. Any grandkids. Yeah, I've got three for three with one on the way and my wife. She has five with one of the ways so we've got we've just got five kids as well. So in total, we've got 10 kids. Wow. And eight grandkids soon to be 10 grandkids. So we're totally outnumbered. That's incredible. All right. So it has to be a lot fun. It really is. There's a blessing. So there's

Ian Arnold:

no way he can throw all right. Everybody's coming to our house for Christmas. I don't think you have enough bedrooms do you?

Chas Schaffernoth:

This left hand right hand? You guys do you guys.

Ian Arnold:

So what do you do when you're not selling homes? Like what do you do for fun?

Chas Schaffernoth:

Oh, okay. Well, I like to work out I'm gonna workout guy I like to enjoy that. My wife and I like to volunteer we do a lot of faith based volunteering around the around the around town. With the homeless, we support them and help to keep them fed. And and we also do some other things around town from a volunteer perspective. So that's really important to us. That's awesome. Is there a certain charity that you referenced play Cindy, feeds the homeless 365 days a year with refuge place in seven pillars refuge place and, and, you know, they're feeding the homeless every night, just north of North Alabama. So we were there last night in fact, fed about 150 people.

Ian Arnold:

Really? Wow. I mean, that is awesome. Oh, just because most people only think about it, like especially going to help and serving, especially for food and stuff around Thanksgiving. But that you do it all year and my church does the same thing where we volunteer and stuff like that. Sure. So it's nice to do it, especially when you're not just everybody else is thinking about it when you're out there in the cold of March and February. With winter jackets on sometimes given out me it makes you feel much better, and that you're helping people that are in rougher times.

Chas Schaffernoth:

Well, and I appreciate that because I believe everybody needs a hand sometimes. Right? We all need a little help up sometimes and and everybody's got a story. And you know what those folks are? You know, they've got Stories and they've got challenges. And if we can help them a lot of times the one meal we serve as the only meal they get all day long. So I, we are totally happy to be able to help them and, and hear some of their stories and get to know them and support that community. So anyway, appreciate you asking, oh,

Ian Arnold:

So what made you choose to work for century 21?

Chas Schaffernoth:

Well, first of all, it's a great company, I've got great leadership. I'm good friends with Mike sheets, who is his father's, the local, the franchise owner for century 21 here at Century 21 sheets, and Mike helped my wife and I buy and sell three homes. So, you know, that was, it was a great, he's a good friend. And he encouraged me to talk to Century 21 sheets. And I did and thought that there's good leadership, it's solid, it's professional, and it was just a good fit. A lot of agents are willing to help and just very supportive, right. So I having sold and bought a lot of homes, had some knowledge, but you don't know, all the details that were really goes on behind the curtain, right? So I've been very, very, very helpful to be able to have the support to understand and grow and some of that are there. And

Ian Arnold:

that's a huge thing. Because if somebody's willing to support you, and people willing to give their experience to you, I find that phenomenal. I mean, that's even like with Rick and I here. I mean, he has a lot more years in the business, but he's able to give his knowledge and stuff towards me. So and he's my support. So I understand that support is huge. And that's phenomenal that century does that.

Chas Schaffernoth:

And you asked what's the connection with my prior work experience as a leader in the in sales, with large teams and such? And really, it's, it's about people, it's a people business, you know, most all businesses, people business. And I like the fact that I've helped bring solutions to the party for felt folks I'm working for whether I'm listing a home for them or actually helping them find a home, I try to bring solutions, you know, what are their weather challenges? And what how can I help get to where they want to go and put the most amount of dollars in their pocket on you know, on this side of the ball. So,

Ian Arnold:

okay, so the main thing like with a new client wants to reach with you for one, how would they get in contact with you?

Chas Schaffernoth:

Well, I appreciate you asking that my phone number I can share that if you'd like it's 317-975-1523 there's my email, Chaz CJ s at sentry, RC two, one sheets.com.

Ian Arnold:

And you'd like phone calls 123 o'clock in the morning,

Chas Schaffernoth:

most of the time. But we will respond as needed. Right. So and we've also have also got a Facebook, you know, cell which has Facebook seller, chess, so anyway, but I appreciate that. No, you're good.

Ian Arnold:

So let's go with the well, how important is that first sit down to with a client to find out their wants their needs, and trying to find a home.

Chas Schaffernoth:

It really is extremely important. Because not only do I get to understand ask questions, understand their goals, what's important to them in a new home, or in selling a home what they've done with the home to really be able to highlight the pluses and things they've done to make it a positive, you know, a better experience or better home for the next family. But they also get to know me understand my credibility, understand the integrity that I live by and work by and how I'm going to support them, communicate with them, give them updates, and really be solution oriented to help get them where they want to go as quickly as possible. So that first discussion meeting is really important.

Ian Arnold:

And it's awesome. Now, I know we're coming up on the break. And if you want to get in contact with Chaz, what was

Chas Schaffernoth:

your phone number really quick. 317-975-1523

Ian Arnold:

And if you'd like to get with Rick or contact us at hardworking mortgage guys.com That's HardWorkingMortgageGuys.com And we'll see you back after the break and find out more about jazz

Unknown:

advisors, mortgage brokers licensed by Indiana Department of Financial Institutions equal housing opportunity. NMLS 33041 Rick Ripma NMLS 66489

Chas Schaffernoth:

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:

honesty, kindness and hard work how we honor each client at hard

Ian Arnold:

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

Unknown:

We believe in always presenting you with all your options. So you get the loan you want the way you want it. We believe in continually monitoring the rules, rates and market trends. So you don't have to we believe in working hard to meet your closing date so that your entire plan isn't upended. 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. We believe

Rick Ripma:

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

Announcer:

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:

Welcome back, and thank you for joining us on Indy's Real Estate Gurus. I'm Rick Ripma.

Ian Arnold:

And I'm in Arnold and we're both of advisors Mortgage Group and we're the hard working mortgage guys. We're here with Chaz and everything. Now, there is the one thing is we got to do the question of the week and stump Chas, see if we can. So now it is time for question of the week.

Chas Schaffernoth:

Now it's time for questions with the gurus.

Ian Arnold:

Question of the week is brought to you by Advisors Mortgage Group, where we take your your mortgage to fit your needs. Contact us today to get your free mortgage plan, go to hardworking mortgage dies got calm. Also, if you're wanting to get a hold of Chas, because I mean, this guy knows knows his stuffs. How would they get ahold of you jazz

Chas Schaffernoth:

317-975-1523 Sell chairs on Facebook.

Ian Arnold:

There you go. All right. And so the question of the week is, what was your first car?

Chas Schaffernoth:

My first car was a 1969 Dodge Charger. And $950. And I worked my butt off the three months, four months prior to that to earn the money to pay for that car. My dad agreed to pay for insurance. So that was a win. But I earned the money to pay for that first car. So that's a car. That is a car. Maybe the best first car I've heard of. Yeah, that is a great first car what color? It was green. What motor Did it have in it? That's a good question. I think they all had VHS. But yeah, I since he said, That's a good question. It probably wasn't a heavy. Thank you my number. It's probably a 318. But anyway, doesn't matter. Because that's a great car, any great stories about that car. They just tell us first date. That's that sort of thing. You know, high school drove into school felt pretty good about driving my driving myself to school. So do you wish you still had it? No, no. Most people do that in that car. I would wish i

Ian Arnold:

Oh, you wish you probably still had it in the garage. But you've driven an old car. Those saying you hit every little bump. You're jumping up hitting the roof. You don't realize what shocks and everything all these newer cars do for us?

Chas Schaffernoth:

Oh, I agree with that. But still Ostalgie. There was a new car. Yeah, it was a great car.

Ian Arnold:

I mean, I think the best thing about it, and he didn't really hit on it. But he had to pay for his own car. I think that speaks bold. One for the parents, too for him. Because it made his parents, his parents made him want to earn it. And that is phenomenal. There's because it taught him hard work. And there is a prize at the end of hard work. And that's probably the same reason why he's so successful in the real estate business.

Chas Schaffernoth:

Well, I got skin in the game, right? You gotta have skin in the game. You don't have skin in the game. You don't appreciate it, and you trash it. Correct. So

Ian Arnold:

I mean, it's the same thing. I mean, I bet he took good care of that car. I mean, maybe not taking the turns. But he took good cars, I mean, people who put money into it, they're going to keep that car clean, gonna, if you just give, I've seen so many kids, trading cars or whatnot, and their parents just gave it to him. Oh, that cars all scratched up, beat up trash all over the backseat. I mean, Rick and I both came from working cars before we ever came here. So we got stories out the wazoo there. But people as you said, once you got skin in the game, your mental attitude changes. Absolutely. So we are going through with you about your company and how what makes you so successful and stuff like that. So and I know we just got done talking about the first meeting with people and how that is hugely important. But What style do you think separates you from other realtors?

Chas Schaffernoth:

I'm I think that trying to understand just the needs of my clients and then communicating in a way that just keeps them in the loop. So there's no surprises. And if something pops up, I proactively deal with it. And again, it's being solution oriented. I mean, I ran sales teams for years. I'm like, Guys, don't just bring me a problem for me. You got a problem for me two or three different solutions, different options. So think about how to solve the problem before you just kind of dump it on somebody. And because you can solve it yourself right So that's the way I try to approach dealing my clients and helping them to stay ahead of things, make sure that it's as easy as possible for them and as as headache free, right? That's a big deal. Yeah. And so there's always something in a transaction that comes up. So if I can help solve 95% of it, all I gotta do is say yes or no. And it just helps me work through things a lot smoother, right? I agree. 100%, that's the same thing I do, if there is a problem. If there is any solution, I'm gonna go out and find the solution. Sure, before I even bring it to the client, because it's so important that you, okay, you have a you have a client who something happens in the appraisal comes in lower than what you had anticipated, especially in a purchase. So that, you know, what's the solution? You know, that's more your area, but I'm sure that's what you work on. There's, I know what the solutions are for. For that we know, we can't really go to the appraiser and get them to do anything. That's the government cut any of that out. So you have to find out, okay, what other solutions are there? You know, can they negotiate something in between negotiate down? What are they going to do? But there's almost always a solution is never as bad as most people think the problem is, that's a very fair, but good point, quite frankly. And I mean, even if it's just Okay, so we've got to, as a seller, we've got to, we've got some issues that came up that are being that we've got to deal with. So instead of just, you know, sending one, option, one cost option, I get multiple quotes, I get the best price for my guys, I had a, I had a house, and we were going to we had to replace the air conditioning, I had one quote for seven $800. And then I found two other quotes. The other one of the quotes I got, in addition to that first one was $4,500. Wow, that's real money. Yeah, you know, that's $3,000 I save. So anyway. So that's the kind of thing you do get multiple quotes, get best price, and get good service to get the the issues fixed as inexpensively as possible, so that you can get to that closing table and your seller feels good about, you know, what they're able to eventually sell that house for. And a lot of what you do is reacting to the issues that come up, because as you said, Not Not every transaction, but many tracks, transactions have issues that come up, and you have the experience and the knowledge and the professionalism, to take care of the you know, really find the solution. And then I'm sure what you do is you give them here's your problem, here's our possible solutions. Exactly. Exactly. Right. I mean, it's it's a big deal. I think when people, they value it, and I get some pretty strong testimonials from clients, past clients, and I appreciate those, but they just say, just tell me the truth, just just tell the truth. And they're very complimentary. And it speaks to I think some of the projects,

Ian Arnold:

yeah, pay those reviews. They do. Pay and tell the truth. But here's

Chas Schaffernoth:

a little you know, that's it's funny, but it's not so funny, because there are people who do things to maneuver their their reviews. And I don't know, that seems wrong to me. Just I agree. The review should be the review, tell the truth. Just tell the truth. Yeah. And it's it's your, you know, on the other side, if you're reading reviews, just understand it's one person's opinion, it doesn't. People, people don't buy very many houses. So their review isn't, is only there their experiences, they felt it, but they haven't done it enough really to know all the different things that can happen. We have so many things that can happen through the process. Sure. And it's like you said you find a solution that that sets you apart, it makes it makes it better for the client.

Ian Arnold:

So what do you think your prior jobs gave you? The skill set to be a great realtor

Chas Schaffernoth:

professionalism. Number one, again, people business wise, know how to deal with senior leaders with with low end leaders, different folks around an industry. So it's just it's again, it's people, right, and I've got a pretty good history of working with people and helping them feel comfortable. And then also, you know, understand the different types of people and backgrounds and all that. So I'm pretty flexible, and I've got just been blessed with some some ability to work through all different types. So

Ian Arnold:

has social media, and all that changed. Real real estate and how you do your business.

Chas Schaffernoth:

I think it's helped. It's changed a lot in my opinion. I think about when I bought my first few homes, and then the various homes across the country. You know, it was just it was more of a clunky effort. Now everybody's on social media that looking at, say social media. I'm also thinking things like Zillow and Trulia and those sorts of things. So they know what's out there. They get flow, they get a filter and get get an update when a new home hits the market that fits their parameters. So they're in tune with, but they always sometimes they miss things too. though, I try to also stay ahead and know what they're looking for, so that I can help identify potential, you know, homes that may be a good fit to based on what they've shared with me. So I keep a running, you know, my, my top clients are looking for homes, I keep, you know, what are their key criteria they're looking for. And so when I'm looking and I see new homes, I hate this may fit this, this client, this may fit that client, you know, so it just helps me to be a little more in tune. But social media has been a big play, I think it gives people a chance also to get to know you better. And I've got a book that's available that I share with clients who are trying to sell a home, you have to sell a home fast, it's actually available on my website. And what website is that? That is sell the chess on Facebook. So yeah, and I would love later on get into the book a little bit. But on the social media, I think one of the things that they can go look up houses, and they can find houses, and they can do all that. But again, you're in the business every day, you're walking through the houses, what you see online and what you walk through what a great point. That's a great point, because pictures can make the house look wonderful. But the eyes when you're walking through it, it's like, whoa, this wasn't what I saw when I looked at the pictures, right? So they need you that's kind of my point is is that I think some people fall into the, to the realm of oh, I can do all this myself. And the reality is, there is nothing like having a professional real estate agent there on your side, doing that every day for you, and making sure that you're being protected, because it's not just finding the house. It's negotiating the house, it's getting through the process, it's closing on the house, it's after the closing. It's all those things that come into play that yes, it's a great social media is a great tool. But it doesn't eliminate the need for somebody like you're a real estate agent, you know, absolutely. I mean, quite frankly, you know, I've had success dealing with a lot of homes that were for sale by owner. And I've taken over and helped to get better pricing. The data from from the National Association of REALTORS states that with a realtor, you can get a better price, in fact, on average, 21% better pricing than without a realtor. So having that person who manages that process and those discussions does make a real difference. And I've got some history there and been able to help my clients get a better price than what they were asking for when they were doing on their own. So we've got a lot of history there with helping for sale by owners.

Ian Arnold:

I think one of the biggest things is the average person maybe only buys two or three homes a year or two to thriller. Yeah, that's a lot for a buyer. No, throughout their lifetime. Yeah. Right. throughout their lifetime, where you you do that easily in a month or so. I mean, so with that. I mean, you see so much that you know what people are looking for that trend or in that area and everything. So you see all those prices, you know what you're looking at. I know we are coming up on the break of the radio show, but we will have a continuation with Chas and find out the rest of his story and everything.

Rick Ripma:

And we'll talk about his book, find out more about jazz. And we'll do that. Just go to indies real estate gurus on any of the podcasts, cast sites, if I could talk that would be great. Or you can go to HardWorkingMortgageGuys.com. And in our show, we'll be there. And you can get to any of the podcast sites also. Just that's probably the easiest way to do it. We appreciate you joining us on the radio and hope you join us

Ian Arnold:

on the podcast. Yep, and one last time. How do they get ahold of your chest?

Chas Schaffernoth:

317975152376 As I'm Facebook

Announcer:

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

Unknown:

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 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 a mortgage. So it was awesome to 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 actually Got 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 need this. Well, you don't get that too much in this day and age, it seems like most people are either 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? Absolutely. And I just want to thank them for all the effort they put in to help me find my dream home.

Announcer:

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

Chas Schaffernoth:

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

Ian Arnold:

Welcome back. For the people who are listening on the radio, people on the podcasts will just continue listening. We still have Chaz here. And he's telling us about his story and everything. And we were going through how his company and how it's changed for him going from one job to go into the realtor and how those jobs have intertwined. And then he had his book and everything. And I know Rick, you really wanted to talk about the book, what good question Do you have?

Chas Schaffernoth:

I don't know if I have any great questions. But I just saw that you wrote the book, it seems like a great thing for somebody to have access to if they're looking to sell their home. And it also says that the person who wrote the book, if the book is you're giving it away for free, but the person who wrote it knows what they're doing. And I can tell you just from meeting you talking with you. And it's like the first five seconds you go this guy's a professional. That's just your aura. And and so I know the book is phenomenal. What is it? What do you tell people in the book? What are the kind of the basics of the book? You know, I appreciate that question. It's, it's really, it's somewhat simple, but it's also clear, right? So a lot of folks don't know what they need to do to sell a home. And you know, you're used to walking by the each room in your home, that looks the same way for years. You know what it may be cluttered, it may have way too much stuff on the counter, it may just be too much stuff on one side or indoor, it's not evenly distributed. So people buy with their eyes, right. So when they walk into a home, they really want to get the best impression possible. And so the book helps to clarify some of that for folks to understand how to prep a home to sell a home. Right. One of the things that also talks up, which I think is a really important that I referenced a number of times is if somebody has moved out of a home, it makes a huge difference can improve sales, and viewings significantly, like 30 Some percent if you staged the home. So I definitely see that an empty home stage makes all the difference in the world. And because people buy with their eyes and most people don't can't see beyond what's in front of them. So they can envision how do I live in this home, where's my stuff going to go where, you know, in a home with no furniture at all. So that's that's also a key point that is pointed out in the book and validated. So for me, I spent 11 years with a new home builder. Okay, nobody lived in those homes. Sure. We had professional decorators decorate those homes. When people walked into the home, they fell in love with the home. And if you went to those neighborhoods still today, you go to the same the new new neighborhoods and you drive through them. The house that was the model is the prevalent house that was built. And the colors inside the house are almost always just like the model. I mean, people have they need that for their vision. They don't have the vision. Exactly.

Ian Arnold:

So it's my wife likes to say, hey, let's redo this room. What do you think? A green color on this would look? I have no clue, ma'am. My mind does not work that way I see it. And I'm like yes or no. It's not like I'm not an artist type of person that can just visualize, oh, here's where the bed will go. Here's the dressers. I can't do that. I mean, and then when you start talking about size, think about it. You take a queen sized bed and put it in a room or you take a king size. How much foot space do you have to walk on the side? How much how much room where are you gonna put the dressers? I agree staging a home is the way to go. We did that with my grandparents house and we had to sell it. And I think that's how we got better offers than we had prior.

Chas Schaffernoth:

Absolutely. And you get a lot more viewing to a lot more viewings, which is showings more traffic 6% more sales. Absolutely more viewings for sure. 36% You'll get a higher price to because you'll get more people through it. You'll sell it faster. So I mean, it's there's a lot of positives to actually have makes logical sense. Yeah, yeah. One thing for you. Okay when your wife says As What do you think of green on this wall? Your answer should be? Well, honey, what do you think? And then she says, I think it's going to look wonderful. You say, I agree, dear.

Ian Arnold:

No, I will say this. And you had a huge point. And because I used to be in retail for up until I got into cars and stuff, but even what most people don't realize is what we call the casual eye. And you mentioned this as you walk into your house 100 times a day, basically. And you walk through all these rooms, you don't see what somebody brand new, we'll see. So what we would do and I ran blockbuster stores is we'd have store managers, you go to another store, and walk through their store, and you just make a list of things that you see either hasn't been cleaned or something out of place. Because the casual, it just misses it. It's the same thing as you're talking about when you walk through somebody's home. And you, you might see the scratch on the wall. It's not a hard one. But it's just one of the things. We're like, hey, look, we might want to touch this up. What pain because you're seeing it for the first time.

Chas Schaffernoth:

Exactly. That's the key point.

Ian Arnold:

So where do you see the future for you? And for you, basically. And then also like the way home sales are going to go, do you know?

Chas Schaffernoth:

Well, I'm continuing to build my business. So my future is to continue to grow my business, right and help service your clients moving in and out of the area. So we're, I think the real estate business is going I just I continue to see a lot of positives. People are moving, they're relocating, because so many jobs now are remote. I just had a client move in from Massachusetts. And because they could, the job wasn't here, same job. But he's working, you know, off of a zoom. Right? Yep. And so that's a neat thing. And Indiana's got so much positive going for it. I mean, Hamilton County is growing at 10% a year. You know, Carmel is growing. I mean, it's just a growth area. And people want to come here, for a lot of reasons. And so there's a lot of positives that are that are driving people, you know, into the Indiana in Indianapolis in North northern part of the metro area here. So, yeah, and I would think that the Massachusetts taxes have to be much higher than what we have here. Prices have to be much higher than what we have here. But they're being paid Massachusetts wages. Right. And they're coming to Indiana and are living in Indiana costs, right. And our property taxes are great, right? Right, a lot of phenomenal. And home values, even though they've gone up. In fact, home values in Carmel, in October versus October last year are up 15.8 or 16%. Okay, what's kind of neat, too about Carl, people think that that, you know, because of the mortgage change mortgage rates that prices are going up or going down in October alone in the city of Carmel. Okay, in Clake and clay Township, which is Carmel prices, the average price of homes was up 11% Or prior month. That's crazy. So now, but transactions are down. So it's a bear market in transactions. But pricing is holding steady, which is usually which is up 15 1415 points versus prior year. So some of the some of the improvement we've seen in price is holding. Now it's tweaking a little bit month to month, in Carmel. It just rose from October from September to October, which is really neat if you're living in Carmel right? And you can see your value of your home and the increase in but it's across Hamilton County that that the prices are holding, you know, so that's a good thing. But don't let it confuse because transactions are in a bear market friend number of transactions are down but pricing is still pretty steady. But

Ian Arnold:

number of transactions. This is normal this time of year. It does slow down. So I mean, let's be honest, who wants to move around Thanksgiving or Christmas? I mean, it's just and especially in Indiana, let's be honest, who wants to move when you're walking through two feet of snow? Right? It's just that way

Chas Schaffernoth:

most people do. Yes, but it does slow down. There is also a huge lack of inventory. Still, yeah, absolutely. I'm guessing if you looked at the inventory from last year to this year, our inventory this year is much lower yet so our sales are going to be lower because we there just aren't as many houses for sale. And but is it it's still it sounds like it's still a seller's market but not as strong strongest seller's market is it? Well, it's definitely still having homes are still pending. For example, I'm going to talk horrible, okay, but still pending roughly in about a month. Okay. Prior to all this change in low inventory due to supply chain challenges and all the things that have hit the industry last few years. It was a it was a two or three month process or month of the inventory. Right. So now it's a month. All right. And homes are pending in seven, seven days. I mean, so on average, that's on average, I mean some are pending in one some pending at 15. But point being on average so so there's there's still a demand And it's still a seller's side. Now what is interesting because of some of the slowdown, due to rates and things, there's a little bit a little bit of more flexibility, if you will, in the pricing. So, if a home has been out there for 30 days, that price gets a little soft, right? So if you're a buyer, you're may not offer list price, even though list pricing on average, is still kind of the sale price. Okay, it's still like 99.5 or whatever. But but because a little bit of the slowdown, that there's still there's a little flexibility. In the last year and a half, there's been whatever the seller said you jumped how high as high as you want me to to get that home, right. So you know, it is shifting to some degree, with a little bit of help on the buying side. So you paid over list on a lot. Oh my goodness, right. So so it's a this is kind of one of the things I like to make people aware of is that this is a great time to buy a home. Because when the market when the rates come back down, and the people who went got on the sidelines due to rates and rates are gonna come back down, the market is gonna go right back to where it was. So if you can buy a house today you have, there's still inventory. It's not as it's not huge, but there wasn't a huge inventory before, but you don't have anywhere near the competition. So if you want to buy a house, now is the time called Chas, this is a great time to buy a house, you can get a green get a great house right now not be as competitive. Think about it. If you bought a home a year ago, even actually six months ago, you would have to make an offer, most likely above list way above list, quite frankly, and you're competing with other folks who are doing that. So you're paying well over what it's going to appraise for. Okay, so either you do that, or now you could you could get it at a better price. Okay, not craziness, right? And so you get a variable rate of five or seven year variable rate. And then when the rates do come down, you feel comfortable. You refinance for 400 bucks. I mean, you know, it's not rocket science, but definitely can get a better bang, because where are you spending more money and a little bit of a higher rate right now, or 60,000 70,000? You know, over lists or even over appraisal, if you will, you know, six to 12 months ago. So,

Ian Arnold:

and I think one thing that a lot of people don't point at is, what's going to happen is those people that decide to hold off because yeah, rates have went up a little bit and stuff like that. Well, once weights come back down, guess what, that flood of those people are going to come right back so that they're going to be bidding on those houses again. So if you're looking definitely is now the time. I mean, you can always like chess, and you can always refinance later now. I mean, let's look at that. I mean, if you find the perfect house, let's go.

Chas Schaffernoth:

Exactly, exactly right. So yeah, there's a good time right now, you've got more you've got selection, you have to be as competitive as you may have had in the past. I mean, quite frankly, I had I've had a number of sales where with buyers where we've had we had a way over list just to get just to get a home. I mean, when a home's listed for 550 and you pay 610 That's a lot of that did not appraise at 610. Right? You know, that's that's set up to come out of pocket with that difference. Yeah, we call it Mary the house, date the rate. Because you're gonna you're gonna stay in a house, but you take the rate and then when rates go back down, just refinance out of it. That's what, that's what we call it.

Ian Arnold:

All right. So jazz, I'd like to thank you for joining us today. It's been a wonderful time and everything. Any last questions, Rick?

Chas Schaffernoth:

No, I just, I just want to make sure people understand jazz is a guru. Yes. He's extremely professional. And he also as you could tell, has a heart. So I would recommend if you have any real estate needs, get a hold of Jazz, Jazz, how would they do that? Free 179751523 And on Facebook sell which is

Rick Ripma:

awesome. And if you would like to get a hold of ESRI, it's HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com

Chas SchaffernothProfile Photo

Chas Schaffernoth

Realtor/Broker

My name is Chas Schaffernoth and I want to thank you for visiting my web site. My hope is that as you review my web-site that you will get a good feel for my experience and professionalism and how I would be a good fit for helping you achieve your home goals whether buying or selling. I have included professional testimonials from both customers, subordinates and peers from over the years. I have lived in many different parts of the country and I find Indiana as a great place to raise a family and to flourish in a career. I have years of experience buying & selling in many parts of this wonderful country. In addition, I have also been an investor in Indiana properties and hope to share my experience in many different types of transactions to ensure that you are able to achieve your goals.

I have worked with many reliable mortgage companies who can make the mortgage process easy, simple and stress free. In addition, I have a list of many experienced third-party vendors that I have relied on in the past who are effective, professional and fairly priced to help out with any fix-up work needed.

When you think about buying or selling a home in central Indiana, please give me a call for the best service in town!

Personal Background

I grew up in North Carolina and have lived in Florida, Georgia, North Carolina, Nebraska, Arizona, Maryland…and now the best…Indiana!
My wife of 31 years passed in 2014 and God blessed me with another wonderful lady (Robin) and we were married in May of 2018. I have 5 children all grown… Read More