Nov 23, 2022
Introduction
Chris Sayre is a Mortgage Lender in Kirkland, WA. He’s alwayshad the heart to help others and Mortgages are just an extension ofhis desire to make a difference. When he’s not working, he enjoysspending time with his family at their cabin in Eastern, WA.
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Transcription
Laura Moreno: [00:00:00] First Time Home BuyerNation I am Laura Moreno and I am super excited to bring you ourfantastic guest today, Chris Sayer. Chris Sayer is a mortgagelender in Kirkland, Washington. He has always had the heart to helpothers, and mortgages are just an extension of his desire to make adifference when he's not working.
He enjoys spending time with his family and dog AB there cabinin Washington. Chris, are you ready to flow?
Chris Sayre: Let's do it. I'm happy to do it.Yes.
Laura Moreno: Great. So I've given ourcommunity just a little insight. Please share more about youpersonally and then expand upon your business,
Chris Sayre: you know, um, I, you know, I havea big extended family.
Um, you know, my wife and I have five kids and she came fromeight kids, and those eight kids all have five plus kids, so it's abig extended family. Um, my mother and father-in-law were just,they're from Belarus and they're just the most beautiful people,you know, that salt to the earth kind of folks.
They both passed away this past year. [00:01:00] So, you know, Ithink you're learn in life. You know, you really. What matters,what is, what really matters. And I have, you know, such a heartfor people and such a heart to help out. And, you know, it's one ofthe reasons why I wanted to come on your show is because it's, it'swhere my desire is.
You know, I, I have it at heart to, to give. And I think doingmortgages is my way of, of trying to give back. Yeah.
Laura Moreno: Wow. Tell me, tell me more aboutthat desire to help others, because you were telling me youparticipate in so many programs that really help others. They helpthe community, they help veterans.
Where does that come from? I mean, how did, how did it all getstarted?
Chris Sayre: I, I think it's an awesomequestion. I would say it really just got started, you know, as youlive life, you know, you'll learn that, um, it's not veryfulfilling if you're just living for yourself. Uh, I think that mygoal for myself and for my wife is to do as much as we can to helpothers.
Um, you know, we don't make a dollar to keep a dollar, have adollar more in the bank. We make a dollar to share it with[00:02:00] others. I think if you're blessed, you're supposed tobless others. So we, we look at the world this way and we're. Oneheart, one mind for this. And I think some of my most joyful timesin my life are when we've helped other folks out.
Um, so I mean, just personally. And then honestly, when, uh,I've done a mortgage, uh, for somebody, I, I have such beautifuland kind clients. I don't know. I just, you know, I feel reallyblessed in that respect too. People calling me up years later, youknow, asking me for help or, you know, all of my reviews on Zilloware all five stars and, you know, like they're, you know, they justare great people and it fills my heart to help.
Laura Moreno: Wow, that's, um, I don't know.Beautiful. Yeah, no, it's so, it's such an order to have guestslike you that are with heart of giving, giving to others, you know,not only taking, or not only like is a, is a paycheck, it's acommission, whatever it is. It's more like giving, empoweringothers to buy homes. Like, do you remember one of those storiesthat really move.
Chris Sayre: Um, you know, honestly, [00:03:00]I, I probably would have, you know, quite a few, you know, youknow, I've had people, you know, that I've helped out that, youknow, they have families like ours or, uh, large families. Uh,usually, uh, it's people. Since I live in the Seattle era, we havepeople from so many different cultures over here, and oftentimesthese other cultures they believe in, um, like having parents comelive with them and helping out.
And, you know, you know, for me, my stories would. You know, uh,people trying to get into their first home, I can think of this onecouple in particular. And they were trying to also do it so theycould bring their parents over from overseas to live with them and,you know, Yeah, it's not, Sometimes it's not always easy.
Sometimes it is. But I remember this particular case, you know,there was a little challenge getting 'em approved. Uh, we ended updoing it, and when we closed it was just, it was such an importantmoment for them to, to be able to get this home because it wasn'tjust for them. It was to be able to bring their family over and forthem, even if they would've lived here and rented, they.
Just fine, but [00:04:00] it would've been this emptiness thatthey had because with a home, like a home is for family, right? Soyou can't, it's hard to rent and bring people over and have it feelthe same when it's your place, your yard, your, your home,everything is that. And so, uh, they were able to bring theirparents over and they were just so excited and so happy.
And so for me, honestly, it just that that's kind of what you dothis for you. Like I said, to bless people and I was so thrilledand so happy for them. And this is a normal thing. This isn't justlike one time occurrence. This happens on a regular basis thatpeople out there are trying to help family out and they really needa home because their family is kind of too tight in the spacethey're in.
I
Laura Moreno: love that so much and I see itall the time actually. I am an, I am an immigrant and I work veryoften with immigrants and, and I see it all the time. We immigrantswant to help others bring others to the country. And even with yourown savings, I mean, I see it even with my nanny. She's amazing. Ihave a one year old and she's always giving back to hercommunity.
She's always bringing people over, always [00:05:00] lendingthem the money, always empowering, empowering them to live a goodlife. And it blows my mind how much generosity, generosity she'sputting out there. It's. Really mind blowing and you remind me ofher. It's, it's so beautiful. It's really beautiful to see
Chris Sayre: Well, you know, my, my wife andher whole family are immigrants also, so it's probably anotherreason why I have this heart for people who come from othercountries. Cuz my wife came here, no English, no money, you know,And from that they just worked. You know, that's all they knew. Uh,just hard work and on top of being smart, of course, and justbeing, you know, really great people.
And I saw them come from zero to, not that they have a lot, butthey have a home. Right. And that, that was the goal. And, um, andit inspires me. Uh, uh, to have family like that and, you know, Iwas born in this country, so for me, I feel, you know, veryfortunate and I want to do all I can to help other people who comeover here and need help [00:06:00] and, and do my part and do whatI can.
So
Laura Moreno: tell me more about House forHeroes and how do you help that community of veterans? And tell memore about that. Um, uh, that part of your business.
Chris Sayre: Yeah, so there's a, uh,organization called Homeless for Heroes that came outta really the9 1 1, uh, time frame. Um, but you know, it, it certainly, uh,helps, you know, military active reserves, veterans, uh,firefighters, ems, uh, law enforcement, healthcare professionalsand teachers.
So basically anybody who's helping the local. You know, and theywant to give back to them. So this program is just designed so itit with us in particular, uh, you know, like we waive our, ourlender fee when we work with them, the real estate agents that workwith them that are part of this program, they give part of theircommission back.
Mm. So I personally, uh, recently talked with, uh, a reallyterrific realtor who, um, Uh, uh, uh, is part of this program andshe had this awesome line and she said, You know, can you imaginebeing one of these [00:07:00] tiros and you just move into a houseand the first piece of mail you get is a check from the Homes forHeroes program.
and, you know, so for her it just thrilled her to know when todo that. And it's, and it's not just a small check, It can bethousands of dollars that these people get. The first piece of mailthey get is a check from the Homes for Heroes Program. So I thinkit's, for me, again, uh, I, I was super excited to be a part of itand I'm, I'm, I'm happy to be able to help people that are servingour local communities.
Laura Moreno: Wow. Yeah, totally. I, I, I lovethat so much. So, um, tell me more about where you are now, themarket, What are you seeing in, in Seattle? In Washington area?Yeah,
Chris Sayre: Yeah, it's a, another goodquestion. So, I, I, I would say that right now what we see is, is,um, you know, prices dipping just a little bit. So kind of ourexpectation right now, uh, in this area at least, is that you're,See, as we head into this recession, we're gonna see some pressurefor money to no longer go into the stock market, but instead thatmoney's gonna go [00:08:00] into bonds, which is gonna push ratesdown.
So anyway, big picture is we see rates coming down somewhere inthe next six, 12 months, something like that. So anybody that has aloan right now, they're gonna be refinancing out of it. So the mainthing is, so our line we're using is marry the home date, the rate,right? Because what's gonna happen is that you're only gonna do itshort term.
Our expectations, you may see rates drop as much as 2%, maybeeven a little bit more, and you'll be refinancing out of it. So thethe good, it's actually, even though rates are a little higherright now, it's a perfect time to buy. It's a perfect time to buybecause values are down and there's less competition.
If you wait until a little bit later on when rates are lower,then what's gonna happen is values are gonna be going up andthere's gonna be more competition. So it's much better to buy rightnow while the values are down and you can refinance out of it alittle bit later. And so that's what we've been telling all of ourclients and all of the realtors that we work with, is that thisright now is a perfect storm, perfect time to purchase a home,knowing that you're not gonna have that loan very long.
Laura Moreno: Got it. A [00:09:00] and that's agreat line. I love this. Um, marry the house. Date, date rate,marry the house. . Yep.
Chris Sayre: That's a, that's a marry the housedate, the rate that's right. . The only
Laura Moreno: thing sometimes people thinkabout is like, well, but getting that mortgage is costing me money,refinancing is going to cost me money.
And, and to that, I will say that when we refinance our homehere, we bought it at 4% interest rate, which was good. Werefinanced at 3.2 and within a few months we had already paid. Feethat the cost to refinance. So, So it makes total sense. And I lovethat the values are a little bit down because that's what we wannafirst ask first, First time home buyers.
Yep. Do you see sellers making more concessions as well, likebeing able to pay, like give us some help to first and home
Chris Sayre: buyers? Absolutely. Positive.Yeah. You are. Again, spot on. The answer is absolutely yes. I, Ithink sellers are also, they don't want to be sitting on the marketfor an extended period of time, cuz if they are, that means theirprice is probably gonna be coming down or they'll have to take thehome off the market.
Got it. So the many, many transactions where [00:10:00] sellersnow are, are offering incentives to the buyers. Could be a builder,it could be just an individual, you know, like you and me, who aremaybe trying to sell a home that are doing what they can to helpbuyers, uh, purchase a home by giving them some type of credit.
We see this on almost in every loan right now.
Laura Moreno: Yeah. And we love that. So ifyou're a first time home buyer and you're, listen, Just get intouch with Chris. You know, get pre-approved and go start, startshopping for homes because values are down. Don't be as scaredabout that interest rate because you can refinance and like someonetold me, Chris Buffet is like buying now the most of, he isfortunate.
He's making it right now because he's buying low and then's,right? You will sell high. So just getting that home. So Chris,tell me about your first time home buying experience. How was it?How were you feeling? And what did I do to your life to own a..
Chris Sayre: Yeah. So , back when I bought myhome, I remember that my rate was 10 and a quarter.
That was the going market rate. I hope you refinanced that. Ifelt . [00:11:00] I did. I did. But it was funny is I thought I wasso smart and so slick because I talked 'em down from 10.375 to10.25, you know? So I thought, wow, I did such a good job, youknow? Cause I knew nothing about nothing. But you know, that's whatrates were when I bought my house.
And then when I got into the business rates were actually at 7%.So they were still like right where they are right now. But I, youknow, I felt, you know, thrilled. You know, I bought my house at agreat price. Um, I think back then I bought it for like $134,000and, you know, that house right now was probably gone up by sixtimes.
So I, again, I would say real estate's a great investment and,and just, you know, when I had bought my house, it was expense. Soit wasn't like it was a deal. Um, so the market continues to dothat. So all we have to do is like, look at our grocery store andsay like, what was the price I milk before? And what is anhour?
What's the price of gas? And what's the price Now prices go up.So whatever you buy at, you know, my wife has a great line aboutthis. Stretch yourself. Stretch yourself because that value isgonna increase and you're [00:12:00] gonna be happy that you did.So as best you can, stretch yourself. Doesn't mean like putyourself in risk, but don't be afraid if a house is, you know,let's say 300.
Don't be afraid to go to three 10. Don't be afraid. Afraid to goto three 15. You know, get, get the better home for you and yourfamily. Get what you really want. Get what you are really gonna,you know, be happy with. And it's better to go a little bit abovethan to suffer yourself, because in the long run, your income andeverything else will catch up and pass it up and it'll be an easypayment for you.
Laura Moreno: It, It's so interesting youmention, I mean, we bought four or five years ago and, and the, themortgage rate was a stretch. We were like, this is a little bit toomuch. Like, yes, we can pay for it, but you know, it's a stretch.And now with this crisis, I mean, rent prices have gone to the roofwhere we live.
Yeah. And we are both so happy because her rent. 30% less thanthe, the rent price in this area. And we're like, Thank God webought, because everyone else that we know is trying to strugglegetting rent in a [00:13:00] nice place. So buy if you can, It's,it's, as you were saying, you may have struggled for a little bit,but it's going to be so much better for you and.
And talking about communities and immigrants. I think it's so,so important to empower people that may not have their firstlanguage be English, or maybe the first generation buyers, becausethose are the ones that need it the most. Like what you weresaying, you need that home. You want to bring people over.
You need to create that space. Ethnic cultural space. Yeah. Likeat my home, we speak Spanish like you . Mm-hmm. . You need tocreate that space. And if you are always, um, thinking that yourrent is always going to be there, you know, you, you, you will haveto move, uh, at some point and find a new place. Yeah. Yeah.
Yeah. So,
Chris Sayre: yeah. I, Can I give you a quickexample of something, if you don't mind? Mm-hmm. , of course. So wehave, again, I told you, five kids. So we helped, uh, three of oursons purchase a home, uh, one on his own and the other twotogether. And, you [00:14:00] know, they were all really scared andnervous because the payment was like $3,500 a month for the, youknow, principal interest, taxes, and insurance.
It was, And they never had such a bill. And so they, they'vebeen out in their house for about a. And now they have friends whoare looking to rent. So the friends rent for a two bedroom place innear their work is 3,800 a month. So kind of to your point, youknow, rents are escalating. I mean, I've never in my life paid$3,800 for rent.
But now they see that that rental payment that their friends arepaying is more than their mortgage payment on their home. And theyactually have.
Laura Moreno: Yes, for sure. And if they want,they can rent their rooms out to their. Yep. Be like, Don't worry,I'll be a good friend.
Chris Sayre: They're doing that actuallyalready, so you'd say, You're right.
Laura Moreno: That's good. Pay my mortgage. Imean, just people, if you're listening to us, jump on the side ofthe ownership because it is not, it is not going to get easier.[00:15:00] You know, it's just not going to get easier. And I feellike more and more corporations are going to be owning properties,and it's the time for you to become your, the protector of yourmoney, you know, your own landlord instead of paying someone else'smortgage.
So now let's go, let's, let's, um, go to our lighting round,which is, I'm going to ask you a series of short questions to helpour audience even further are. ,
Chris Sayre: I'll do my best. ? Yes,
Laura Moreno: I may. Great. , please share withus your biggest piece of advice you can give to TR to someonetrying to buy a home in Washington now.
Chris Sayre: Uh, so the biggest piece of adviceI would say is, uh, get in front of somebody. Could be myself,could be anybody that you think is appropriate for you, but get infront of somebody who can help you determine how much you canqualify for. And if you can't qualify, what steps do you need totake? So what I would normally wanna do is I would wanna look atsomebody's income.
I wanna look at their assets, and I wanna look at their credit.And I wanna, cuz usually people wanna know, like, I make money, Ihave no idea [00:16:00] what I can afford. I have some money for adown payment, or maybe I can get a gift. What can I afford? So theyneed to know what they can afford. And then normally what I wouldrecommend is if they're within 90 days of trying to purchase a homethat they need to have all of their information given to anunderwriters, we can get them underwritten ahead of time so thatthey literally are gonna be, you know, final loan approved beforethey ever find a house.
So I would recommend get good information. Up front when you'rewithin 90 days of trying to buy a home. If you're beyond that, thenI think just giving a, a phone call or meeting with somebody likemyself so we could just pencil out kind of a plan and then theycould work towards that plan of hopefully getting homeownership.
That's
Laura Moreno: great. And two questions out ofthat. The first one is, uh, commenting on getting that, sorry.Coming, getting that, uh, pre, not, it's not even a pre-approval,it's going farther away. One step farther, Right.
Chris Sayre: Yeah, so, So the ones that, Yeah,go ahead. What are the
Laura Moreno: advantages of doing that?
Chris Sayre: Yeah, so, [00:17:00] so apre-approval, I can literally do the same day.
So I can send somebody a link, I can fill out an onlineapplication, I can ask them to send me some income and assetinformation, and I can send them a letter. and the letter's gonnasay, Hey, you're preapproved for this amount, and it's gonna be aperfectly valid letter. It's what we do in our industry.
The next level above that is for an underwriter to physicallyreview all of the information. And so what we can do is we actuallycan collect all the documentation, give it to an underwriter, andit probably takes, I don't know, 5, 6, 7 business days for theunderwriter cuz the underwriter may have additional questions onceyou give inform.
But then it's gonna be all signed off, final loan approved. Allyou need to do is find a house. So the difference is now you can,now you can close like literally in 12 days or 13 days, you know,um, on, on your mortgage, and hopefully by closing quicker likethat, it makes it so, if there is competition, if there are otherbuyers who are trying to purchase a home, the fact that you can,you're [00:18:00] already.
Done. You're already, your loan's already underwrittencompletely and you can close really quick, push you in a betterposition to actually get the home. So I would highly encouragetaking that step. I think it's just a much, much stronger positionto be in when you're negotiating with a seller.
Laura Moreno: And that's interesting becausenot all lenders do that from the beginning, right?
Like you are one of the very few lenders that will. ,
Chris Sayre: you're a hundred percent correct.Yeah, most lenders do the pre-approval, which again, like I said,it's, it's, it's a, it's perfectly fine to do that. But the nextlevel above that is what I'm talking about. And you're correct, uh,almost nobody does that. Got it.
Laura Moreno: And. How will you find a greatlender? So if you are not in your area, in Seattle, listen islooking for a great lender. First of all, is it number one, to finda lender or find an agent? And second question is like, how willyou decide on which lender to choose? Because sometimes we try tocall and say, Hey, what's your rate for today?
And we try to choose the lowest rate lender. But is that theright? To do that.
Chris Sayre: [00:19:00] Yeah. So I, you know,again, of course rates are important. I care about rates for, formyself and my family, but it, it's, it's not the right way to doit. Um, it's not the right way because loans are much more than,you know, just quoting a rate over the phone.
Rates are determined by people's circ*mstances. By, what's yourdown payment? What type of property are you buying? What's yourcredit score? And ultimately, you want the home. And like I saidbefore, whatever home you purchase, you're not gonna have that loanvery long. There's usually not a big disparity on rates, but Iwould be more concerned about having it be a stress fee,stress-free, low drama transaction.
Then having a rate that's an A through a quarter pointdifference. You know, the main thing is to get the home. Then yourfamily can kind of breathe aside, relief, move into the home, andthen you can regroup and when it's appropriate you can look it torefinance. Got it. So I apologize. I know you asked anotherquestion, was another question I could answer for you.
Laura Moreno: I think that was the main one. Sothe main one was, No, those were the two of [00:20:00] them. Andthe other question I have is like, so in order to find a lender,oh, you know, we have all these online lenders and we have alsolike, um, local lenders and those online lenders like better.com,Rocket Mortgage. I don't want to give out many names becauseYeah.
Well I don't want to give names, but, um, they count with a,Exposure online. Yeah. So we Google, I want to do a preapproval,and within one minute you have a preapproval from that bank online.Mm-hmm. . I mean, what are your thoughts about them? How do youdifferentiate and what is actually the best for first time homebuyers?
An online lender or a local lender?
Chris Sayre: Uh, you know, I'm a, I think itreally just goes by experience. So if, if I were looking for alender, I probably would go online to like Zillow. Redfin and theyhave, you'll see reviews for people. So it's like when we go to ourrestaurant and we tend to go to our restaurant that has goodreviews, or if we're gonna stay at a hotel on vacation, we look upto see what the reviews are.
I probably would look at reviews for people, [00:21:00] youknow, because I think I, I like knowing that other people, uh, havekind of, um, Yeah, you have given good opinions about something andit, it makes me feel a little bit more comfortable. And of course,a referral is always the best. So if you have somebody that youknow, that you respect and you admire that has a home and they usesomebody, I probably would ask them, you know, because I thinkreferral probably is my number one way.
And then probably online would be my second way to. Reviewsonline for people. Like for me, you type in my name and read myreviews, right? So you can do that. But you know, I think eitherone of those two ways reviews online or a referral from somebodyyou trust and know. and
Laura Moreno: between having a local lender anda, or an online lender that could be not in the same town, what,what are your Cho mm-hmm.
your, your, what are your options? What would you say?
Chris Sayre: Um, um, I'm, I'm not so sure that,cuz we're a virtual world right now. I mean, I'm in Seattle and Ithink, Are you in New York? Cuz I, Yeah. Yeah. We're. We're likethe other side of the world, but [00:22:00] it's like, you know,we're right with each other. I don't think it really matters.
Like I can do a Zoom call with anybody. Uh, anybody else coulddo the same thing. I think it's more this, this trust factor, thisintegrity factor that we're talking about. I think that's whatreally matters. Local or far away? You know, I, I haven't reallysat with a client and almost three years. Um, I do everythingonline so they could.
Somewhere else, like in any state where they could be, you know,my neighbor next door and I still don't see them, you know, becausewe do calls like this. So I, I think that it's the person and thecompany and the integrity of the individual that matters more thantheir location.
Laura Moreno: What, what is the process withyou?
Like, if I'm interested in buying a home in Seattle and I'mlooking to get a mortgage, uh mm-hmm. , what is the process, uh,specifically for you? Like, what would you tell me? .
Chris Sayre: Yeah. So normally what we would dois we do a call like this out there on my cell phone, or we woulddo a Zoom call. Okay. And [00:23:00] before I do anything, I tryto, I'm a big picture kind of person, so at first I just wannaunderstand what they're thinking, you know?
So I don't know if they're looking to buy like an. 12 months ortwo days. Um, so then I, I tried to understand, uh, their timing onthings, um, their income. They're asked all of these things andkind of review and kind of talk us through and come up with a plan.And I, I normally say the same line that I said earlier is that Ithink once they're within a 90 day window, That's when it's time tostart pulling credit and do things like that when they think thatwithin 90 days of point or purchasing a home.
But if they're just trying to understand, Cause a lot of peoplejust wanna know, like, I just don't get it. Like, I don'tunderstand, you know, what can I even afford? What should I evendo? So that's where I just, I just give them some counsel and I,and I basically will email them. You know, like my contactinformation, I'll send them a list of what we're gonna need, um,when they're ready.
So like, people have to gather things cuz we'd all all have paystubs and W2 s maybe that are, you know, easy access so they canstart gathering that together. And then I coach most, so like,don't make big purchases, you [00:24:00] know, don't make sureyou're not late on anything. Don't co-sign for anybody else.
Don't move money around between accounts and make, you'll makeit more difficult on yourself later on. So what I try to do is toguide them to kind of put the brakes on everything. Let's get thisplan for you to purchase a home and make sure now you start doingthings the way a lender's gonna review things to make it so it'ssimpler and easier for you once it's time.
Laura Moreno: And what have you seen? The lastquestion, I think it's a little bit related to this. What have youseen are the biggest, biggest mistakes that home buyers make andhow can they avoid them? .
Chris Sayre: Yeah. So some of the, the biggestmistakes they make is when they're trying to prepare to purchase ahome, a lot of times they will close an account cause outta a windydebt, right?
They're afraid of it. But the way credit works is that if, let'sassume you have like an account at a bank and that it's a creditcard and that credit card you've had forever, but you really don'tuse anymore. The truth is that credit card, because it's youroldest liability, actually improves your credit score the most.
And when you cancel that [00:25:00] card, you run the risk ofyour score dropping like a rock. So I would say . So normally mynormal line is. Stop, freeze. Don't do anything. Talk to somebody,get some advice. Let them coach you what to do and then do it. But,you know, sometimes people come to you and they've already kind ofdone all of this and you just, it is, it's what it is and you justdeal with it.
Um, but I, you know, we try to tell them, don't move moneyaround in accounts. Let it be, you know, don't make any largedeposits, don't make any large purchases, Don't do anything likethat. Get the house first, then do the other stuff. So I think someof the mistakes I, I've seen, like I said, are, are, are this wherethey cancel accounts or move money around too?
A chin, you know, don't change jobs in the middle of a loan orwhen you're trying to buy a home. You know, things that you wouldthink that everybody understands, but they don't really, cuz it'snot what they do for a living. You don't
Laura Moreno: really, I mean, it's so funnybecause you, we don't know, we don't live in, I mean, I live inthis world, but usually home buyers, we don't live in this, Wedon't know that we kind of go and buy furniture before closing oncredit or open Macy's credit card.
Just, we don't know about that. It's like, it's very, And that'sthe [00:26:00] other thing is like what you were saying, Closing anaccount because you want to make your accounts clean, you want tomake them look nice for the lender, and suddenly your score dropslike 50 points. Yeah. And you're like, What happened?
It's so counterintuitive. .
Chris Sayre: Yep. Yeah. Honestly, completely.Right. Uh, people tend to go to Home Depot, you know, and they buya bunch of stuff, you know, because they're planning for theirhome. Like this is a really common thing. So we, I try to upfrontto tell them, like I said, just before you do, Just give me a calland then I'll let you know.
Kind of my advice would be to wait or to go ahead to go forwardwith it. You know, I've told people to hold up on my own cars orfurniture, you know, because there's a, somebody's offering zerodown on a car or zero down on furniture, and, you know, if theyreally wanna buy it, then we'll just deal with it.
But if not better to wait.
Laura Moreno: Better to just wait to buy thebig things. Well, Chris, you've shared with us amazing informationtoday. Uh, what can we do?
Chris Sayre: Um, you know, I would love to helpmore people, you know, that's what I do for a living. [00:27:00] SoI would love for anybody that has questions. I'm always happy toask questions.
It's not always just about business, you know, of course I dothis for, to help my family and to help other folks out, but youknow, I, I know that if you do it right in life, good thingshappen. So if people wanted to reach out to me, they're welcome todo that. If I can help them with a mortgage, I would love to dothat.
Laura Moreno: That's beautiful. And how can weget in touch with,
Chris Sayre: Uh, my cell phone I've hadforever. I have a son who's learned my phone number since he wastwo. Um, but my number is 4 2 5 4 4 4 7 3 7 3, so 4, 2, 5.Beautiful. 4 4 4 7 3 7 3.
Laura Moreno: Yeah. Well, Chris, thank you so,so, so much for sharing your mission and your attitude to life andyour well good faith and thank you so much for being on the firsttime Home Buyer Podcast.
You are.
Chris Sayre: Oh, Laura, thank you. You're justa beautiful person. I really appreciate it. Thank you.
