Guru Jamie Hall with Carpenter Realtors

Rick Ripma: 0:00

Welcome to Indy's Real Estate Gurus. I'm Rick Ripma, your hard work and mortgage guy and I've been in real estate and mortgages for over 34 years. I've helped over5200 5300 Folks, I said, Kenny rather than 100 off the 100folks finance their homes, my team and I believe in custom tailored loans, not a one size fits all approach. We believe there is the right mortgage for you. And we believe we are the team to deliver it.

Ian Arnold: 0:24

And I'm Ian Arnold part of Rick's hard working mortgage team. I've been in the financial industry for 15 years helping customers rebuild their credit, get the best possible interest rate. And I have a passion in helping you secure your overall real estate dreams and even hopefully paying off your house even faster.

Rick Ripma: 0:38

And if you have any real estate needs or you have any questions about mortgages,please go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com You can contact the NRI from there,or you can call us at317-672-1938. That's317-672-1938. And in we have another name we can pronounce.

Ian Arnold: 0:58

Let's see. Hold on.Yarn jumped the gun. No on hon.

Rick Ripma: 1:03

Jamie Hall with called Carver with carpenter home carpenter. I feel it every time. Every time I'm you know,because I'm old like I remember it. And in the contact you it's it's called Jamie

Jamie Hall: 1:17

Hall. Yeah. Why?Yeah. Call Jamie hall@gmail.com or J. Hall at call carpenter that okay. Hall at call like you're calling on the telephone call carpenter.

Rick Ripma: 1:27

Okay. And what's the phone number if they want to get ahold of

Unknown: 1:29

you?31769120023176912002 Okay, I'm gonna call it 22,008. So that's easy.

Rick Ripma: 1:41

Yeah, that's, yeah.You've been you've been in real estate a day or two. Just a little bit. Awesome. Yeah. So before you got into real estate,what what did you do? Where'd you grow up? What was your life like?

Unknown: 1:51

Well, I'm a farm girl.I grew up in Iowa, on a farm and so hard working. I think that's always hand in hand with Yes.But moved here. Gosh, I was pregnant. I was almost eight months pregnant. 33 years ago,my son will kill me if I get that wrong. But anyway, so raise kids a little bit. I was actually a an aerobics instructor and fitness trainer kind of person as I was thinking I need to do more in life rather than just that. And so I've always loved the whole real estate world and things so good friend of mine suggested, you know, hey, you should do real estate. And I'm like, I think I should do. So I found my calling at age 35. That kind of gives my age away a little bit. But I found my calling at age 35 and became a realtor and was Rookie of the Year The first year with carpet. I've been a carpenter all 20 years Brownsburg office and hit the ground running and I didn't even know how to fax. So when I started 20 years ago, I said to Susan plan for my regional manager, I said, you know, Susan, I don't know if I can do this. I don't even know how to Fox and do I put it up?Or do I put it down? And she goes, honey, you just do what I tell you and with your energy and my knowledge will will go places or whatever inch and she was a huge help and helped me to be a very successful realtor in Brownsburg.

Rick Ripma: 3:05

Yep. So. So you get your GED, and then you and you get into a great office with a great mentor. Yep. How important is that for somebody if somebody's looking to get in,how important is it to get into a great office and have a great team and have more important maybe a great mentor?

Unknown: 3:24

Oh, it's huge in real estate. I mean, you have to be a self motivator. And that's what I learned. I didn't I didn't know a lot about myself until I became a realtor and realized I am a self motivator, and I am a go getter. And I'm fast paced and people person and all that kind of stuff. But Susan was huge. And so many people in the Brownsburg office, you know, Don Krueger has been there 100years, and God is awesome to help anybody that comes in and we help each other. Because when you get into real estate and become a realtor, really going through all the classes and stuff, you're learning how to be a realtor, like how to be licensed and what's required of the state, but you don't really learn a lot about enough maybe I should put it that way about a purchase agreement and a listing contract and how to get clients and you know, the importance of communication in that transaction. And just as such a personable personal kind of thing to be doing with someone and so Realtors teach that to each other. It is a wonderful bond between realtors in our community in a way. So a lot of people think it's a, you know,cutthroat dog eat dog kind of business. And it's not I mean,as realtors and Hendricks County and all the different counties.We do a lot of fundraising together, we do a lot of camaraderie building together as realtors. And when you have that other realtor on the other side of a transaction, you want to get along with them. I mean, the goal is for everybody to get to a closing table with everybody happy. Yes. And it it works better when everyone's getting along rather than fighting,fighting, fighting. So yeah,it's important to have the mentors helping you. Kitty White passed away a long time ago, but she was so influential to me the first year, you know, because I said I don't know what I'm doing and she goes, You know what?You'll get so much help from agents in this office, the agent on the other side, there's so many hands that touch a file,there's a lot of checks and balances. And I want to reassure buyers and sellers of that too.There are a lot of checks and balances along the way that kind of help keep everybody honest,keep everybody doing the right thing, doing their job doing it well. So Kenny was huge and just, you know, patting me on Mac and in supporting me and encouraging me that, hey,anybody can do this, if they work hard and want to and like people and communicate well, I think that's so huge in real estate,

Rick Ripma: 5:34

we find that with the show, that the everybody who comes on, everybody has a guru,everybody just like yourself,their gurus, they do, they do,you know, big numbers, or have done big numbers, and they're just phenomenal. But to a person, everybody's wanting to help anybody. And, and some, you know, they aren't looking for anything out of that. They just,they're just wanting to help because they everybody wants to help the industry get better.And I know for me, one of the things that Ian and I want to accomplish is letting people understand what great people real estate agents actually are.For the vast majority. There's no industry that doesn't have some people that aren't that way. But if you anybody listens to our shows, they're gonna find out these are even their great agents, but that they're even better people. And that's important. And that's why you're willing to help, you're willing to help because you care, and you want and you care about the industry and you care about people. And the more, the better it is for everybody, the better it is for you, your client,

Unknown: 6:38

right? So absolutely.Here's what you know, I've been very fortunate that when I first started, it wasn't to make money. It was I wanted something I wanted a career and and actually it's not even a career,it's just how I do life is just real estate is so 24/7 Just, I get it, I wake up to real estate and go to sleep, the real estate, it's like how I do live,but it's never been about my paycheck. And a lot of people want to think that, you know,realtors are out for the money or whatever. I have been blessed to be able to say Never has a transaction been about me. It's always about my client. And when we're happy at a closing table,and they say Job well done, I am then happy. But you know, it's it's so true that you love people. And that's why you do this and your satisfaction is when they're happy. Yeah, yeah,it is a great community of people and they all want to, you know, work together for that purpose. And yeah, it's, they say it's the American dream, to own a home is American dream.And for to have that honor to be able to help someone get there.It's pretty cool feeling.

Rick Ripma: 7:39

And so you you grew up and already forgotten. Iowa,Iowa. Hmm. And and then you came to Indy, and what brought you here.

Unknown: 7:50

At that time, my husband took a job here and I was eight months pregnant. That was a very hard move. And we had sold our house it we actually lived in Minnesota for one year.So I grew up in Iowa, but lived in Minnesota for one year, and got transferred here and had our house sold in Minnesota when we moved here, going November Thanksgiving ish we, we moved and thought it was sold what fell through. So I knew the angst that goes into now we have a house, you know, in the cold of Minnesota in the dead of winter, and we were young and all that kind of stuff. So you know, when you can put yourself in other people's shoes. Yes.And you know, in every transaction, whether you're the representing a buyer or a seller, if you can put yourself in their shoes and feel what they're feeling. You know,that's, that's helpful in knowing how to help them, yes,to comfort them and give them hope and peace and all that stuff that they need through a stressful thing. I mean, buying and selling a house is not for the faint of heart. It is stress, there is stress there,there is stress there. It's one of the biggest stressors in life. But it's our job to keep them calm. And you know, we do this every day, we'll get through it. My kids gets have been easier over the years.They're adults now. But we're sick of hearing me say, You know what, every single day, every single day, problems come up. We troubleshoot problems every day.And we usually work through them. But the hardest problem per se or challenge is when a buyer changes their mind or a seller changes their mind. I'm not going to try to talk a buyer into buying a house or a seller out of selling their house or whatever. If I'm representing you, I'm going to help you get what you want. And if you know talk through it, make sure that the thinking clearly on all that process but yeah, but

Ian Arnold: 9:29

it is I will say this it is I have two young kids it is nice to tell these kids that look not every day is gonna be perfect. It's not roses and sunshine every single day things are gonna happen. And now you got to think critically. What are my options and how do we get through this

Unknown: 9:43

right and if you mess up own it, yep, try to fix it.Do your best to you know, fix what was went wrong or whatever?Yeah.

Ian Arnold: 9:50

So you said you you've only been one carpenter.So I'm kind of curious on this.What made you choose carpenter from the get go? And then why have you stayed This many years I'm not gonna give ages out. So this could be yours. Yeah, well,

Unknown: 10:05

when I first got my license, and I interviewed a few places, I just loved the Brownsburg office and Susan Blanford was a huge, you know,part of that. Beth Adams and,you know, the the agents that were there at the time, and it was my hometown, you know, is the biggest real estate office in Brownsburg and lots of energy there. And I love that. I will say every year, I get recruited a lot, I you know, a lot of people reach out to try to recruit me, but, and I've looked every few years, I think I have to do that, you know, every few years look into other options.At the end of the day, it's what's best for my clients. And,you know, maybe I could have made more money myself going somewhere else at some point down the road. But it's always worked. I have a final machine going on at carpenter with my assistant Lea and my mom, Sally.They've helped me for at least been with me, I think about 18years. Wow. And my mom about 13and 14, she moved here from Iowa to help me with life. At the time, I was raising three kids and you know, wow, I think I think at one point I hit 50active listings, you know, when there were so many houses for sale, back in what 2012 Give or take a couple of years. And it was chaotic. I didn't sleep. I mean, there was one night a week, I just didn't go to bed. I had to catch up on life, you know, with laundry or whatever.So my mom moved here to help me with life and she still helps me with real estate. She's not licensed. She does kind of a lot of behind the scenes things. But Leah Grove is my assistant and she has been forever. She's wonderful. She's She's made it she's another hand. She's another hand she's and so we have we have a really fine oiled machine is the best way to say it on how to get home sold. She a license? She added? Yes, yeah,yeah. But

Rick Ripma: 11:50

does she What does she help you with?

Unknown: 11:51

She's more office, she is just wonderful with the computer organization,advertising, marketing, all that kind of stuff. She is excellent with all that. She's licensed.So especially like last year,the last year or two when House came on the market, and you had to run and look at it, you haven't even had a chance to get it. So you know, just help service our clients best if I couldn't do it, she could. I think, you know, we had talked a little bit about you, what are you known for whatever. I like to say I'm a I have sold a lot of real estate in 20 years, and I sell a lot every year by the grace of God. But it's mostly just me. And that top producer Magazine did a feature article or whatever on me. And that was what it was called, is what you see is what you get. I don't want a big team. Everyone has been telling me you know, get buyer's agents and do this and grow, grow, grow. I love what I do. I get to meet new people every day new clients, I get to know them well, we become usually pretty good friends. And then you know, stay in touch over the years. And that's what I like. That's what I do well,and you know, if you need I always laugh my kids laugh about this too. I'm like, if you need lasagna, you go to stove first.I don't cook lasagna from scratch. If you need to buy or sell a house, you come to me, I got you. I've done this, I know what I'm doing. I love to do it and we'll get it done.

Ian Arnold: 13:12

So if somebody wants to come to you and either buy or sell their home, how would they get in touch with you?

Unknown: 13:16

Oh, oh my phone number317-691-2000 to the year I started, or J Hall at call carpenter.com.

Rick Ripma: 13:26

So 317691 2002 Right then color text,

Unknown: 13:30

absolutely. Perfect text is probably preferred,okay, because I can see it quicker. Usually if I'm with people, I'm, I try to be very,you know, if I'm in the moment,if I'm with you right now, I'm with you right now. And I checked my phone immediately.And in the 20 years of real estate, I can honestly look you guys in the eye and say I have never had a day off. I mean, you just can't if you're servicing your clients, they they hire you to represent them and work hard for you. And it's just the way I do life now. You know, it's just I get a little panic attack if I go an hour or two without checking my phone in case somebody needed something right then and there and some people think that's crazy. It's who I am.

Rick Ripma: 14:04

So get ready because he's gonna ask you a question and I'm required by your hard work and mortgage guy this is in and if you'd like to get a hold of us, our number is317-672-1938 that's 317-672-1938or you can go online at HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com And thank you for listening to indies real estate gurus the gurus we interview share valuable insights they reveal their strengths, personalities and how they'll work for you.Well, we hardworking mortgage guys secure your best mortgage,real estate guru real estate agents work hard to they avoid the problems the amateurs, quite honestly they just don't don't even see. They listen and they find unrealized opportunities if you're buying or selling a home.A real estate guru is a valuable asset. If you're even thinking of buying or selling a home,keep listening and definitely call one India's real estate gurus.

Ian Arnold: 15:02

Alright, so now I'm gonna throw you in a panic attack so rugby right it was common. Be ready to call 911 So let's get to know you a little bit more. Okay, I have to take away your phone. Okay cannot work for 24 hours.

Unknown: 15:15

Oh wow,

Ian Arnold: 15:16

I told you about what do we actually catch you doing for fun?

Unknown: 15:21

Oh good question I'm a fitness person so I love to get outdoors and do stuff walk bike,whatever hike. I wish I liked to read more than I do. I read a lot of emails. So that's about the whole novel. My phone but not my computer, right. And family I have two granddaughters beautiful granddaughters. My oldest son Blake is married to Abby and have Emma and Lila and they are delightful. And then my other two children, Tasha and Landon are in their 20s and we we are very close family. We do a lot of stuff together. We have a lot of fun and go go go and they keep us on our toes still for sure

Rick Ripma: 16:05

that any of them live here.

Unknown: 16:06

Everybody's in Brownsburg pretty much everybody's in Brownsburg. Yeah,none of them work for you very honored. My daughter had a real estate license for a while. And she ended up picking a job with ADP and has found her calling.She is doing awesome with ADP.And she says she refers to me now. That's the way it should be right? Yeah, yeah. Except for

Rick Ripma: 16:24

what we've found is that there's many agents who their parents were agents or grandparents were agents that leave if they aren't going to be a real estate agent, they swear they're going to be a real estate, right? A few years later, guess what? They're doing their real estate, right. And they're loving it.

Unknown: 16:38

Yeah, she is a lot like me. And there is two very strong personalities. Maybe it's a good way to put it. But you know it she is probably more of a leader than I am. And she is a go getter, too, and that kind of thing. And she needed a bus loosed and do her thing. And she's done that. So it's great.It's been great. Yeah. paid off very well for her.

Rick Ripma: 17:00

Yeah, but the rest of my come back and be real estate agents with you just never know.

Unknown: 17:03

I don't know. Yeah. So my mom see my mom, I brought my mom.

Ian Arnold: 17:09

You got grandkids?Right? You start nurturing them when they're

Unknown: 17:13

young. That's right.Yeah, yeah.

Rick Ripma: 17:16

You've been doing that a while, though? Not just the grandkids. Yeah. So you've been in the business since 2000.I'll

Unknown: 17:20

tell you any of my kids probably could pick up if I died tomorrow, they could probably take on my role, because they know the verbiage they know exactly.

Rick Ripma: 17:27

That's what we found is like, a lot of them were playing that they were real estate agents, when they were just little kids, because that's what they saw Mom Do Or that's what they saw that both both mom and dad do.

Unknown: 17:39

Right? In fact, I gotta say this. So my oldest son, I think it was in junior high or so ish, somewhere in there when I started. And he said, you know, Mom, I gotta give you credit, you find a way to make money doing what you do best talking. I go honey, I do a little more than just talking.No, no,

Ian Arnold: 17:54

everybody else does the other work. Right? Right.Yeah. Hey, whatever

Rick Ripma: 17:58

it takes, right?Yes. So you kind of touched on it. But I'm gonna ask the question anyway. So what would you say your superpower or superpowers are?

Unknown: 18:07

Oh, goodness, I would say people skills communication.So my degrees in psychology, I went to college, to be a psychologist, psychologist, I wanted to work with women's issues and with women in particular, and then got married and had children. I like his stuff, my miners in business. So a good combination. And I don't think there's a better job I could be doing with that combination of throttling.Because, you know, as a realtor,it's not a lot of people think you just show homes all day.That's probably the least thing I do. I mean, there's so much between, yes, listing a home and selling it for with a seller or showing homes and helping a buyer to buy but there's the inspection stage and the title work and the lending side of it and just so much that you need to be a part of pictures and marketing and taxes and you know, learning all that stuff that you know that even a chauffeur, you know, you pick people up and drive them around the city to look at stuff. So there's a lot of hats that are worn.

Rick Ripma: 19:05

Yeah, it's, it's a,there's a lot always going on with a real estate agent. That's why some people have these people to handle everything and you have somebody to help couple people to help. But you like,you know, I think we what we do is we get we we stopped doing the things we aren't as we don't like as much Right? Right, you know, right? And, and that frees us to do the things we really like and usually, like,obviously your son thinks you like to talk so so you want to be in front of people, right?Yeah,

Unknown: 19:35

yeah, that's what yeah,like communication skills. And I think, you know, you treat others how you want to be treated. And I'm a fast pace person. I think, you know, when you're looking for a real leader, you want someone that gels with your personality, and if you're fast paced, you want it someone else who's fast pace,you know, if you're I think I can adapt easier, you know, to slower pace people than maybe a slow, slower pace client being able to or a fast pace client being able to cope with a slow paced agent you want answers now I do. And so I try to give answers now. And communication is key. And that's why, you know, like, I will have my phone if it's a 24 hour period. But yeah, that communication is key and just people getting to know their stories. I mean, I am known for saying, so tell me your story. You know, what's going on? What do you want to do? What's your goals? I need to listen to them to be able to know how to help them. And that's kind of key.

Ian Arnold: 20:26

Yeah, so I do have a question. So since you've been in industry for umpteen years,what is something you'd like to teach the general public either about buying or selling their home?

Unknown: 20:37

Just the basics really?That's especially younger people with first time homebuyers. You know, where do you start?Because that's the key is where you start. And I always say get a good lender and a good realtor someone you jive with someone you trust someone you you know,want to want to represent you really is what's happening. And so you know, a lot of buyers don't realize they don't pay real estate fees in Indiana,every state's a little bit different how real estate is handled. But as a buyer, you get yourself a realtor, you get yourself a lender, and they will walk you through every step of the of the way. And you're always in control. You're always the boss, you're always in charge. Yes, you feel comfortable. No, I don't feel comfortable. I tell people all the time, I feel like I'm an educator, and I'm a teacher, I'm not a salesperson, I'm educating them on the process, their pros and their cons, their choices,and you know what's best for them and thinking long term thinking short term, all all kinds of things. So, buyers, get up, get a lender and get a realtor. And then you know,sellers, it's more so value of your home processes in place. I tell sellers all the time, you really control two things, you control condition, and price.And we work as a team and try to come up with what's the Smartlist price for today. And what you can, you know, sort of plan on for an estimated net to walk away from and get a pre approval before you sell your house. If you're going to be buying again to to make sure there's you're good to go and all that kind of stuff with changing market. Yeah,

Rick Ripma: 22:02

we don't want to make anybody homeless because

Unknown: 22:04

they right. I haven't yet.

Rick Ripma: 22:07

That's something none of us want. Right? Yeah,you said, the price of the home.And I want to touch on that a little more. Because one of the things that we've been told, and we've noticed is that the homes that are tending to sit on the market right now are many times mispriced. And and it's not because the agent necessarily is the one doing that because the buyer, the seller is the one demanding that. But when you overprice your home, what effect does that have on the marketing?

Unknown: 22:40

I love this question.Thank you for asking me this question. Because this is a great question I learned a few years ago and I do have a story about this. I learned a few years ago that as a seller in this market, it's kind of in a seller's market, you will get top dollar our market will allow unless you start too high. So we talk you know, we talk through all that and what is smart for them. And here's here's how I learned this a few years ago,wonderful clients, super, super clients. And he said, you know,Jamie, I think this house is worth, I'll use the numbers200,000. And I go oh, I was thinking more than that. 250older home dated whatever. I was thinking maybe 250 As I came in,but so we started talking, he goes, You know, it's not about the money to me, it probably is everybody else. But my daughter there are older my daughter's doing all the work. I want it so quickly. I want it as easy as possible for her. Get this done.So we agreed on 225 as a list price. And we had this was the beginning of the multiple offers. I think we had 17 offers Wow. And people escalated the highest one escalated up to 285.We were listed at 225. Right.And I thought maybe 250 He was he said he was happy with200,000. And so we ended up not quite at 25. But we were well over 250 When we were all said and done and it just taught me right then it's like, Let the games begin. Price it smart. In this case, it was the smartest because he wanted it fast for his daughter to not have to deal with it too long and things like that. And it's pretty much rang true up until now with the way the market has been. Yeah, so just don't over price and you will get top dollar in our marketplace.

Ian Arnold: 24:21

So your customer wasn't very happy was he? Oh,you know what, so

Unknown: 24:23

I gotta finish the story. So he they didn't do email or anything so I always had to go get signatures from him delightful time to visit with them. And he said one day he goes, you know, Jamie, I'm gonna bring my checkbook to closing and I go, why is that?Missing? Something's like they're paying too much for this house. I want to give them some money back and I go no, you can't do that. But no, it does.But the water softener had broken before we even listed it he had disclosed it but the buyers had asked about it a couple of times. And I said you know what, if you put a new water softener in there before closing I bet you they would be ecstatic and he did that and it was the most lovely closing everybody was Happy and it was wonderful. But yeah, yeah,

Rick Ripma: 25:03

yeah. It's I, I wanted to hear that answer because I think it's really important for people to understand salutely They think,well, everything's selling selling quickly. And I'm gonna I'm gonna way overpriced my home. And that's the worst thing you can do right now.

Unknown: 25:18

Yeah, yeah. And you know what, our market is still very strong. I think here it is July. And you know, you're started with the news saying doom and gloom about real estate. That is not what is ringing true, thankfully, and praise the Lord for all of us,you know, in the home owning business or whatever, but it I'd say it's softened a little bit since a year ago. It's often instead of getting 17 offers,we're now getting three. So they're still selling, still selling? Well, I think the average day on the market, you can look at whatever statistic you want in any way, shape, or form. But a good week on the market 10 days, and buyers are still asking what's wrong with it? If it's on there, more than that, much more than that, you know.

Ian Arnold: 25:53

So let me ask this question. It's roughly 10 days,let's just say 10 days right now. What was it? And you don't give me an exact answer? Roughly15 years ago, days on market.Oh, my God, just to put people in perspective,

Unknown: 26:07

oh, months, three months, three months, so

Ian Arnold: 26:12

roughly 90 days or10 days,

Unknown: 26:14

right. Here's a here's an example I use a lot because I do do a lot in Hendricks County,Brownsburg, Avon, some Zions North Brunswick Zionsville. And stuff too. That's where the majority of my businesses, but I know brands like the back of my hand. And so back in, I would say, I'm gonna throw out a year.I don't know exactly what year it was 2011 2012 Brownsburg school district hit 600 active listings. So that was the worst of times. That's what I saw. You know, I check it almost every day, whatever. The worst time is the complete opposite was February ish, a year and a half ago, nine, nine active listings to nine, right. And now we're running around 80, give or take five we were last year as rates were going up, it climbed a little bit, you know, maybe 10 A week or month or something like that. We hit it and we hit 99. I never saw it hit triple digits it might have I just didn't see it. And then we went back down to like 65, whatever. Now we're running run ad. So I mean, it is it's a much more balanced market, which we all needed. We all needed that. And you know,it's still that's still low inventory, though. You know, and that's the whole the whole central Indiana is the same way that transcripts, just a little small community of it. But it's all pretty similar.

Rick Ripma: 27:29

But that is exactly why I believe this is the very best time to buy a home. It's better than what it's going to be here very shortly, in my opinion is better than it was in the past. Because you have it's not that we're flooded with houses on the market. No, but we have houses on the market rates are up, which has slowed down the amount of buyers, right. So instead of 17 offers, you get three, you're competing with three people instead of 17people and rates, you know, I talked to be a laser? Well, I think I'm gonna wait to rates come down. Well, you and the other 100 million people that want to buy homes are all waiting for rates to come down.So when that happens, it's going to be back to where it was. So today, I think is a great time to buy a home.

Unknown: 28:16

I agree. 100%? Yeah, I don't think we're gonna see three and 4% interest rates. I who am I? I mean, you're a better expert on that. But who knows? Yeah, yeah, there's still there's there's been a lot of pent up demand of buyers needing homes and the supply still isn't quite there. So they're slowly starting to get homes, which is a beautiful thing for people.And

Rick Ripma: 28:37

there's a lot of reasons that there's all these buyers in the bar. There's a there's a you know, if you look at statistics, if you look at when they the age group, the the birth rate 35 years, there's so many reasons that it's going it's it's it's been exploding is going to continue. We're still short on inventory. And we're never we're not building enough homes. I mean, there's just so many things. Let's

Unknown: 28:58

look at the bright side. I think it has glass half full Can't you deduct that interest on your taxes? Right?Yeah. That's right. Let's look at the bright side. There's a positive side of

Rick Ripma: 29:08

the house. They're going up crazily, right.

Unknown: 29:10

I'd say prices have softened, stayed steady. You know, I don't know the prices have come down much of it. And I think the statistics say maybe a half a percent or something depending again, which community you look at or big stat,they've, they've stayed pretty steady for sure. Will they keep going up if the supply doesn't,you know, change much? Yeah. And it kind of depends on the price range too. You know, the the lower the price that won't be let qualify the more competition usually you know, it's kind of a common sense thing there but ya know, prices are they're good,they're good. They've stayed very steady. You know, I don't I don't think we're gonna see a plummet by any means. No,there's just there's just too much demand. So since

Ian Arnold: 29:51

this is a great time for somebody to to purchase, or even sell their home, since you'll get offers within you basically sell within 10 days.What's the best way they contact Yeah,

Unknown: 30:00

oh, let's call me or text me at 317-691-2002 that's317691 2002 or email me J Hall at cole carpenter.com.

Rick Ripma: 30:12

And you can get a hold of Ian or I by going to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com You can contact us from there, or you can give us a call at 31767.How do I remember? Forget my 6721938? That's 317-672-1938. So this is what this is what you have to look for, hey,

Ian Arnold: 30:31

no, no, no, no, no.Just so you know, there have already started mentioning there's some pills and stuff being started taking to help Alzheimer's came out in the last couple of weeks.

Rick Ripma: 30:41

Well, that's gonna be helpful later on. I don't have Alzheimer's yet. I just you share about my theory, right,

Unknown: 30:49

right. Yes. Too

Rick Ripma: 30:50

much on there. Yes,yes. Yeah, that's why

Unknown: 30:54

too much in there. Yes.Yes. Very smart. All right.

Ian Arnold: 30:56

But so how about this, we'll just do the question of the week. And the question of the week is sponsored by Hey,Rick, and I have a hard working mortgage guys, where we believe in helping and supporting you and your realtor by sending constant updates to the loan process. We do not like living in a black hole. So we do not allow you to live in one. So here's your question. What is your first car? Oh, oh,

Unknown: 31:19

a red Pontiac,something other and I had to pay for it. And the first summer I had it, I grew up in Iowa. So I did detasseling corn. I actually was like a foreman or whatever.And so I was gonna make big money doing this this summer.And I was so excited. I have money for college. Absolutely.Everything I made that summer went to that into that car for repairs. And I'm like, so

Rick Ripma: 31:43

that's because you bought a Pontiac

Unknown: 31:44

I read it was read. I do like a red car. Like a shiny red, red, black or white car but

Rick Ripma: 31:53

you seem like a red car person. Do I? Yeah. Yeah.The pert your personality seems like a red car.

Unknown: 32:01

Yeah, yeah. I've had a few tickets. Really? Oh, just a few. Yeah, yeah. Probably

Rick Ripma: 32:06

not anymore, because now you're probably slowed way down. Right. Very, very good.But it was a red pot was a two or four door.

Unknown: 32:12

I think it was a four door. I can't remember what it was kind of smaller. Yeah.Grande. Now I drive an Audi Supercharged. And it goes fast.Fast. Which Which model ASICs.Okay. Yeah, yeah. Yeah. Yeah.massaging seats. I'm in the car lot. That's really nice.

Ian Arnold: 32:30

My favorite is the A seven they really set probably about seven, eight years ago now. But

Unknown: 32:37

that men like it's got a little bit of a hatchback.Yep. Most everyone that has one that I know of is a mat.

Ian Arnold: 32:44

They also took off the doorframes for the windows.So the Almighty just seal up and everything. So

Unknown: 32:49

massaging seats. I mean, I don't

Ian Arnold: 32:51

have it. But I like my Toyota a lot less expensive.

Rick Ripma: 32:56

I like the supercar that Audi builds in the name escapes me, but that's the one I would get if I was gonna get.

Unknown: 33:03

I do go through a lot of tires. They go likes me.

Rick Ripma: 33:09

Well, that's good.We need the economy, right?Yeah, that's good.

Ian Arnold: 33:15

I do my part. So I know you got a lot of stories.So I'm definitely interested to hear what you say. What do you think one of your most memorable stories?

Unknown: 33:24

Oh, I can't tell it on the radio. Number two,

Rick Ripma: 33:29

the first person

Unknown: 33:30

to tell us that you said memorable Michael Buble. I know exactly which one I'm thinking of. Oh, golly, I can't do anything else besides that one, memorable stories in real estate. You know, what's really fun, actually, is our sales meetings. And we go around the room, you know, and everyone has a chance to talk and see what they have coming or you know, we do a lot of networking, which is really great for each other, and our clients. But we usually tell stories and hearing everybody's stories and sharing our stories of you mean, it is an interesting thing. walking into a room that has a snake and a in a glass cage, you know, you turn the light on those that kind of stuff. You know, shocking people when you walk in, I remember ringing the doorbell and shocking people, you know, when I'm like we had an appointment.Yeah, we forgot that those ones are usually interesting. I don't know it, you know, to kind of piggyback off that question,question. A lot of people are thinking the internet and technology is going to replace you know, realtors and stuff.And, boy, it is just such an intimate business like going into people's homes. There still always needs to be a hands on touch and you know, I don't know and so people coming into their home, they want to know there's an agent there that's doing a good job and keep them things Even stuff. And vice versa, the safety of us agents and stuff.We, you know, you, I've had some times where I've had to think twice about, you know, oh, maybe I shouldn't tell somebody I'm here and things like that. So there's so many facets of real estate that are interesting,funny, fun, you know, emotional,like, you're gonna have a high,you're gonna have a low the next minute and this in this business, but I don't know,that's a good question. What would be my other? There's,there's so many. And I think of the stories that people are told in the meetings, but I don't know that I'd want to share some of those. So, you know, I do have one, I do have a success story. That's so awesome. So I had a single client, single gal,and beautiful, talented, you know, stuff and I got to know a row well, and she was single new to the area just moved here. And I'm like, I'm going to help you find a man. And so we're on a mission. And I think I introduced her to five different guys. And I go, you are picky girl. And she's like, I know, I know. So then I met this young gentleman at a house and it was pouring rain, he had a baseball cap on it. We were in and out quick. And then the next time it was kind of another quick like show house and whatever. And I thought he would be good for her. And so I I said, Okay,here's the thing, I'm gonna give you her phone number, I'll give,you know, vice versa, and I'm done. I'm out, you know, wash my hands of this. I said she's picky, but I think you can live up to it. They are now married with two children and I have had20 transactions with them. So it was it was a win win for everybody. Yeah. Yeah.

Rick Ripma: 36:36

That's awesome. But that you're you're not only help,

Unknown: 36:40

you know, right. Full service right here. Yes, sir.

Rick Ripma: 36:42

You're a matchmaker.Yeah, you bet help them match their house? Yeah, that's awesome. So with with all that,there's so much Miss misinformation and people misunderstanding what a real estate agent actually does. So what what, what is it? What do you do? What are the what are some of these, these misconceptions that people have that that how it really works?Well, I think a

Unknown: 37:09

big misconception,misconception is people think we're all in it for the money because we're not. You know,that is a huge one, I think. But people want to think they're going to do better buying for sale by owner or something and not put it on the market, not pay realtor fees, and things like that, I'll tell you the market works. That's why it's been around forever and still will stay around forever, is the marketplace works. So you know,someone wants to sell their house for sale by owner instead,a buyer knows you're not paying that fee, and they want that discount. And or two, you could go on the market and maybe do510 1520 30,000 more because the market is working, there's competition out there. So you know, use it, use it, that's what it's for. And like I said,if I want lasagna, I go to stuffers if I you know, somebody needs to buy or sell house, call good realtor and in a good lender and get the ball rolling.We know I know real estate I you know, it took me a few years to realize I was such an expert,but I am an expert. I mean, I love when people say you know,you're the expert, what do you think and I'm like, Oh, you're right. I am an expert at this,you're an expert at you know,whatever it is. But you know, if you're an engineer doing something, you are an expert at that, I wouldn't want to try to do that. And vice versa. So use our expertise. It's, you know,it's crucial. Even if you're buying new, if you're building new, use a realtor to represent you. And that's really the best word is represent. As a buyer,I'm representing you, I am walking you through this, I am presenting you in the best light to the other side as far as helping you get this done. And you know, if you want the home,we're going to try to get this for you the best way we can. And vice versa, as you're trying to sell your home, I'm going to try to get this sold for the best way we can and I'm representing you. It's you know, there's, I would say this is kind of cool.In the 20 years I've been doing this, there's there's maybe only a handful, I could probably only think of four or five names of people that I would not represent again. And I hope they would use me again. In fact, my slogan is relative for life, um,your relative for life becomes a joke. I have two couple little phrases that are my thing. When I'm showing a house I'm like, do you see yourself living here?And that was a that came up with my mom and looking at houses.This is funny. So I don't know how much time we have. But she was looking at houses and we're on the last one of the day and we walk in and it's a bit this was you know, 1314 years ago,bank owned nasty, nasty, nasty,nasty, and she was quiet. And I'm like this is awful thinking you know, my family is gonna have to be the one doing all this with her and so and she was quiet and whatever. And the next day she drove back home to Iowa and she called me she was Jamie it hit me. When I hit the front door. I kind of felt like I could live there. And I realized why she said driving home I realize why the brick in the fireplace is the same coloring as migrate room furniture. And I go Well good thing because that's about the only thing in that house that's not going to get changed. Is that brick? And so but it was good terminology.And women have that instinct very well, like I feel myself living here. You know, I could I could live here. And so I use that phrase a lot when I'm showing houses. Okay guys, do you see yourself living here? So what was my the phrase I started to say another phrase, but

Ian Arnold: 40:18

anyway, that's all right. So did your mom make lasagna? No. Okay, because I was about to say because, like, if I were to say that my grandma would look at me, what do you mean go to Stoker's? Come here?

Unknown: 40:30

Well, that was the part of the thing she tried when she came to when she moved here. She was gonna help me with life and help cook for the kids and stuff instead of eating out all the time. Well, she found that backfire, too. They didn't. They didn't come home and eat home cooked a Taco Bell and all that kind of stuff. They were big into sports, and we didn't have time to come home and eat life has changed. Yeah, yeah. Yeah.

Rick Ripma: 40:47

Yeah. I don't know if you were this way. But when I was growing up, we'd go out to eat once, maybe twice a year if we weren't on vacation. Oh, that would be all right. There just wasn't there weren't. There weren't fast food places. There just weren't? It wasn't like it is.

Unknown: 41:01

Yeah, yeah. Yeah, I know. The other phrase was really for life. So that is big to me. As I That's how most of my businesses repeat business and referrals from people. The biggest compliment I ever got was I felt like I was your only client. And that was when I had50 active listings. And someone said that, like I said, I'm in the moment. Like, I'm in the moment right now with you. I was in the moment with them. And they felt like they were my only client and that little did they know, whoa, what was going on in the backup background for me that? Yeah. Would you say realtors? You know, what we do?Every day is a mind full, our minds are full. Right? Right?That, you know, when houses active ones pending ones, you know, getting ready to close?And have we done this, this,this and all these different parts of the, you know,timeframes of the house and more of that.

Ian Arnold: 41:47

So what do you think home ownership means for somebody whether it's financially or mentally

Unknown: 41:57

grounded, like they can be grounded in something that's theirs, you know, it's home,like a safe haven, I've used that phrase before, to, I'll tell people all the time, you know, I want you, I want you to be able to sleep at night, that you can afford it, you're not having sleepless nights because of that. And that you so look forward to going home at the end of the day or whatever on your drive home. It's like your safe haven you're going home to and it's your home. And you know,that's any home, whether you rent or not. But, you know, if you're buying and you're sticking your heart and soul into it, you want to have it be your safe haven to go home to

Rick Ripma: 42:30

not not to mention the quality of investment that a house.

Unknown: 42:34

Right. Right. So And over time, a good investment. A really good investment. Yeah,

Rick Ripma: 42:39

you're I don't remember who I where I saw it.But it was, you know, you're paying interest. Whether you're renting or buying, right,because you're either paying the landlord's interest or you're paying, right you're and so it's really not you're you're paying it no matter what, but the only way that you build equity and all that by owning a home.

Unknown: 42:59

It's interesting you say that because it kind of reminds me of people, you know,big dilemma or question in the last few years, especially it is always the the question is, do I buy first or sell first? And that's so that's your decision as a human you know, as a homeowner, what do you feel most comfortable with. And that's,you know, another thing that really helps with is talks you through educates you on the pros and cons of each. When you say,hey, you know, paying interest or rent or whatever, like, you know, if you, if you buy first and have to rent something, then you're doing that, or if you sell first and you know, the opposite. It's like you're paying everyday you live somewhere. So sometimes you can stay in your own home, and do it and buy first and sometimes you can't, but everybody's situation is different. And that's what we talk through with you on, you know, cost to do one option versus the other. Is it more important for you to sleep at night? Because you have the money out of your, your house before you buy something else?Or is it just convenience and making sure you get exactly what you want first before you sell and things like that?

Rick Ripma: 43:57

Yeah, it's vitally important that you work with a real estate agent. And yeah, you mentioned specifically all of it, but also new homes, why spent 11 years with a new home builder? And I can tell you,it's you need the representation and it's and it's just the fact that yes, you can do a lot of things on the internet. But you don't know all the things that you have to do when you're buying a home. Because I'll get somebody who's who buys a home from from a for sale by owner.And it's like so where are we going to close? I don't know.Where you know, are you gonna get an inspection? I don't know how do I get an answer? You know, and then and then if you're the seller, how do you price the home my brother in law and sister in law price to home this is years ago and they were selling it for sale by owner after I told him no go get a real this is in Michigan go get a top agent in your area go get it. Well, we talked to him but we're not going to they price their home they it comes back from inspection the inspections and problem the people back out out. They go. They said, Now what do we do? I said what I told you in the first place?They did they priced at 50,000over what they had sold it for,got $45,000 over what they they had originally sold it for. And they had somebody who actually took care of everything. And isn't it much easier to negotiate or to especially like an inspection or anything with you not being the person, the middle person? Yeah, yeah. To people who are on the emotionally attached, but one of them looking out for your best interests. That's your best bet.And that's why you want a top agent, a guru agent on your side, because they know and you want, it's just like having an attorney, you want the very best attorney, not the meanest,nastiest attorney, you want the best attorney knowledgeable

Unknown: 45:50

now, you know, right,that's talking about that with financial planning or tax person. I mean, it's really cool. And you have the same person knows a lot about taxes knows that a lot about financial planning, you just ask them a question. And they know they're thinking all that through and advise you awesome that that expertise is worth something to me. Yes. You know, I had a client years ago, he was challenging. And my Susan Blanford again, she said, I go I said, Susan, I don't know if I'm up for this. I mean, he, uh huh.And she's like, he wants the best. That's why he called you.You got it, you should do this.And I did. And it wasn't easy,because he was a challenge.Challenging gentleman. I loved him so much. By the end, I respected him, he respected me.And, you know, we talked about that. Here's how she knew he wanted the best. He had the best roof I'd ever seen in all my life. I mean, he had paid a fortune for it and add a huge long warranty and stuff. And she goes, that tells you he's the kind of person that once wants it done right? Once the best he called you, you're gonna, you're gonna represent him. I'm here to help. Again, mentor, she's there to help. Yep, that's awesome.

Ian Arnold: 46:52

So if somebody's wanting to work with you, and getting in touch with all that wealth of knowledge you have and get the best price, whether they're buying or selling how to get ahold of you,

Unknown: 47:02

text or call me317691200 to, again 317691 2002or they can email me Jay Hall at cole carpenter.com.

Rick Ripma: 47:14

And to get a hold of Ian or I, go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com You can contact us from there or you can give us a call at317-672-1938 that's 31767 to1938. And follow us for more indies real estate gurus and

Ian Arnold: 47:30

reminder if you're looking if you have any friends,family, coworkers looking to buy, sell or refinance, let us know we'd be more than happy to help you. Jamie, thank you for joining us today. It's been a pleasure having you on our show.

Unknown: 47:41

Then my pleasure. Thank you guys. This was fun.

Announcer: 47:43

Reg MLS NUMBER 33041recruitment in MLS NUMBER 664589You know Arnold NMLS number is195469 equal housing opportunity. So I'm restricting supply