The Loan Program That Lets You Buy BEFORE You Sell

The Sell for 1 Percent team, joined by Tim Schilling from CrossCountry Mortgage, unpacks the current rate environment where 30-year loans are averaging around 7.3%, a slight easing from recent highs. While many buyers are tempted to wait for rates to fall, the group discusses the market’s “yin and yang”: lower rates often bring higher home prices and more competition, potentially erasing any savings from the lower rate. For Columbus home buyers, creative financing like a 2-1 buydown can provide immediate payment relief now, while sellers should be prepared for longer days on market as local inventory climbs toward 7,000 homes.

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Full Transcript

Hey there, everyone. Jaime with Sell for 1 Percent Realtors. Hello, Jaime.

As usual by the gang, head broker Dave Barlow and Jaysen Barlow, the man in the streets. Two weeks in a row. What’s going on? Except you got different glasses on.

Someone’s got to keep things going while you’re vacationing. Yeah, I’m in Florida vacationing while you guys are hard at work. I thought you were in South Carolina.

No, we’re down on the Palm Coast, just north of Daytona. It’s a long drive. Yeah, it stopped overnight.

We got sunshine, got the waves flying, so it’s a good day. Your mom’s happy, so that’s all that really matters. And I’m working, too, because those guys all went to the pool.

Well, we are joined here by Tim Schilling with Cross Country Mortgage, and Tim is here to give us our market update with mortgage interest rates and mortgage news and a little more info that may be especially important for some of our clients and viewers out there on a Buy Now, Sell Later program. If you have a house to sell and you’re looking to buy, something that I think would really help people in certain situations, something to utilize to make it a little bit easier to make that transition on a step-up purchase or a downsize. I have a quick question for Tim.

I heard that rates have plummeted to 2.5%. Is that true? Not quite. I think, unfortunately, that’s been a dream.

And then when we wake up in the morning, we realize that’s not quite true, right? Yeah, it’s a dream. Yeah, I wish. But when rates are that low, we obviously see a very, very competitive housing market, a lot of people offering on houses, and prices rising really significantly.

And so right now, even though rates are higher than 2.5%, and we’ve seen a rise recently. Just a smidge. Just a smidge, right? The advantage, I think, to that is that there’s obviously an opportunity to get a good property and have a little bit less competition to find the right place for these folks.

But as far as the market goes in general, we’ve seen a little bit of an easing compared to the highest points that we saw about a month ago. Rates right now are sitting generally in the mid-7s, obviously depending on qualifications, credit score, etc., for a 30-year loan. The average right now, we’re seeing about a 7.3% as far as all 30 years.

Well, that’s a lot better than it was a month ago. That’s right. Yeah, we were seeing it much higher, certainly.

So it’s been a nice, at least, kind of easing from that perspective. The 10-year treasury, which is something that we follow for mortgage rates, is back below kind of what’s about a 5%, which is not the interest rates, but it’s a number that we follow. And so we’ve seen a drop as well, about a quarter to a half percent, as far as rates are concerned, from the highest point, which is nice.

So still some good opportunities there to get a little bit better options from that perspective of the market. And I think we’ll see as things continue to happen in the Middle East and everything else with oil prices and everything else, how that’ll ultimately drive interest rates to follow. But obviously, I think all of our hope is things will cool off, and that’ll make prices of oil come down.

And if prices of oil come down, a lot of other prices can come down with it, and then that reduces inflation. And if we see inflation reduced, we see, generally, rates reduced, right? And so that’s kind of what we’re all looking forward to. Well, eventually, we’ll get back down to the 2.5%.

I hope so, right? When gas goes to $1.20. That’s right, that’s right. Yeah, I don’t know.

I mean, for a lot of folks, obviously, a really, really low 2.5% rate could be a great opportunity if you already have a house and refinance. But again, we saw it really, really tough to find a place if you were trying to buy in that time period. And so not sure we’re ever going to see 2.5%.

I think a lot of crazy stuff would have to happen, but that’s all right. We’ll still see really, I think, competitive and solid rates. But we have a lot of strategies right now we’re using to still make houses affordable and ease monthly payment concerns that buyers and sellers have, which has been great.

I guess the big thing is that, and we’ve talked about this before in other podcasts, that we kind of got spoiled several years ago. But that’s not the norm. Just like back when my mom and dad bought their house in the early 80s, 18% wasn’t the norm.

So 7% is still below the 30-year average. And so as long as we can get, I’m hopeful that here in the next several months, as we get back around to the 2027, that we’ll start to see rates get a little closer to the low 7s, high 6s, mid 6s, maybe, if things can work out well. Tim, you work your magic.

That’s right. That’s right. Yes.

I mean, that would be great. I mean, that’s a good kind of number to land on. And I think we’re staying cautiously optimistic right now that that’ll kind of take place.

And for all those folks right now kind of thinking about making that move, I think that it could be a good opportunity. You can obviously buy now and then refinance when that happens. And that’s a good option.

A lot of lenders, us included, don’t charge past clients to refinance, any lender fees to refinance. And so good thing to take advantage of. And obviously, when we see rates drop, we usually see prices rise in homes.

And you’re going to have some potential equity built pretty quickly. Well, that’s always the yin and the yang. Oh, I’m going to wait until interest rates come down.

But the house just went up $50,000 in value. So the extra $25 it was going to cost me a month is now going to cost me $125 because the value went up. That’s right.

That’s exactly right. And on the flip side, if you bought when they were a little bit higher, and then when rates do drop, now you have all this equity that you build up. And then you also can refinance and lower that payment and actually save overall.

So it’s an equity builder. And then you can actually ultimately get a lower monthly payment in that scenario. That kind of dovetails into one of the things that you guys are able to offer is the 2-1 buy-down, which the builders are using it.

They use it like crazy. And oh, well, we can get that payment down, blah, blah, blah. Well, home sellers can offer the same to buyers if they’re able to participate.

So instead of giving $10,000 in closing costs, you can work a 2-1 buy-down. It saves the buyer a lot more money. Tell us a little bit more about what you guys can offer.

Yeah, I love the 2-1 buy-down strategy. I think it’s a fantastic pairing with what we’ve been talking about, where rates are a little bit higher now. What ultimately that means is that there’s usually a better opportunity to find the right house.

The one piece that we’re hearing folks say is, hey, I want to wait until rates drop. But just like we discussed, when rates do drop, there’s going to be more competition. And generally, house values rise.

And so it’s kind of that yin and yang. The best way, I think, to combat that is to take advantage of the good pricing on homes right now and the market as it is, and then add on an either 2-1 or 1-0 buy-down, depending on the property and what’s negotiated in. And so, for example, a 2-1 buy-down, I think, is fantastic.

And so we’ll just use 7.25 as the interest rate for this example. So if you would have a 7.25 rate that we apply to 2-1 buy-down, for the first year, you would have a 5.25 rate. For year two, you’d have a 6.25 rate.

And then year three through 30, you would have that 7.25 if you don’t refinance out of it. So one important thing to point out is that it’s a fully fixed interest rate. You do not have an adjustable rate.

It’s not some sort of balloon payment. It’s nothing scary about it. All it is is an introductory interest rate for the first two years on the 2-1 buy-down example.

And so on an even $400,000 home, you’ll see a $500 a month savings in year one, about $250 in year two. And so it’s a great opportunity to take advantage, again, of the market where we’re at, get a great home, and then refinance out of it in the future. We always get backed out with 2.5, and you can refinance.

Then we can do it, right? And one nice thing also about the temporary buy-downs, the 2-1 buy-down, for example, is that cost to do it, there’s a cost associated with it. It’s typically paid for by either the seller, the lender, or a combination of the both. Our company has been covering the 1 in either a 2-1 or a 1-0 buy-down for strategic partners.

So that’s been a nice advantage, especially for our strategic partners on their listings. For example, it’s been a great way to market those listings for prospective buyers. But the cost to do that is, you know, so basically the way it works is that it sits in a separate pile, right? And it gets applied monthly to the payment.

So the difference is if, let’s say, in six months, rates just plummet, right? And so you want to refinance and get just a standard 30-year fixed. Well, the advantage there is that that money that you had, that was paid for by the seller or by us as the lender, actually can get given back to you. It’s not wasted if you refinance prior to that two-year period is up, right? And so that obviously is an advantage compared to a permanent buy-down, buying points to lower the rate, where if you use it and then you end up refinancing in six months, any money that was spent to buy it down, it’s just gone out the wayside, right? It ended up being a strategic misstep to buy it down.

Where, again, you can take advantage of the 2-1. And then if you do refinance prior to the two-year, you know, before the two years is up, any money that’s left over actually gets put back towards your mortgage balance, reduces your balance, which is nice. So then, fingers crossed, they drop.

That’s right. That’s right. So if you have a life change or you get transferred or whatever, you got to sell the house, then that money comes back to you again.

That’s right. Yeah, even if you’re, you know, wanting to move across town or move across the country or whatever else, right? That happens. So that’s absolutely right.

That’s all good stuff. So tell us a little bit about the company there, Tim. What’s that? Tell us a little bit about your company.

Yeah, so CrossCountry Mortgage is ultimately a big company. We’re the third biggest mortgage lender in the nation. Our team on the flip side is small, and, you know, we’re a relationship-based team.

So I work with the same couple processors and underwriters on each file. And we’re a tight-knit group that works really well together. And it’s been a great, ultimately, fit because, you know, to me, I’ve been in mortgage lending for eight years.

And a few years ago, three years ago, actually, I joined, left a different company to come to CrossCountry. And the biggest reason why is because, you know, I really believe that owning a home, homeownership, is one of, if not the biggest, one of a couple, if not the biggest, wealth creators for regular everyday people, right? And so if I really believe that, then I need to be somewhere that I can close and, you know, Whether we’re somebody who’s a first-time homebuyer or somebody who’s looking to buy, you know, their next home and move up because their family’s growing or move down back into a ranch or a condo or something like that, right? And so, you know, when you’re in the business for a while, you can kind of decide, you know, and plug into the right company with the right fit. You have a lot more, you know, decision-making power at that point.

And in looking around, I found that CrossCountry, to me, had the best programs in the entire country. And the philosophy is always about building relationships. And our marketing dollars are invested into programs and products instead of Super Bowl ads, is kind of the idea, right? And so, you know, we have our cool program for first-time buyers where, you know, as long as they qualify for the program, there’s no catch to it.

The money’s forgiven right away. And our philosophy there is that it’s a great program. And if we get the opportunity to do our best form of marketing, which is doing a great job on every loan that we do, then this is a great kind of foot in the door to be able to do that and grow, you know, clients for life.

And that’s what you’ll see with our—which I know we’re going to discuss in a little bit—our Buy Now, Sell Later program. It’s a portfolio loan. It’s an in-house program that we’re willing to offer.

And it’s a little bit of a higher-risk program. But our philosophy, again, is just being able to offer more programs, more options. That’s our—you know, that’s a great form of marketing to be able to do it.

So, it’s been a great fit. I love our team. I love, you know, what we have working.

And it’s been fantastic. Jay, to Bob on the seller side, what are you seeing out there as far as houses flying off the market? I am not seeing houses fly off the market. I—the market’s really not terrible.

The—we are approaching—let me pull my numbers back up here. While you’re driving. Yep.

Oh, there goes the video. Oh, boy. He’s glitching.

He’s glitching. Does he come back? Missed his sell for 1%? Oh, boy. All right, well, Jaime— Hold on, Jay.

You’re cutting in and out there, buddy. You’re— I think you’re stabilized now. Jaime, on the buyer side, what are you seeing? I’m not talking because— I think he’s stabilized now.

Give us your update. What are your numbers telling you? Nope. I am freezing.

Come on. What do you got? Here, let us beg you. Please give us your report.

Nope, he froze again. All right, he’s out. Easy peasy.

Here I am in sunny Florida, and I got better connections. Well, on the buyer side, it’s kind of the same old story, I would say. You know, kind of like Tim alluded to earlier, if you—if you’re looking for a house, there isn’t a giant rush to get into something.

You want to find a house that really works for you, and I think buyers are really hunting for deals at the moment. And by that, I’m not necessarily just alluding to price, but also a house that works for a buyer and their family. Close to family, close to work, has all the bells and whistles that they, you know, want.

Updated kitchen, updated, you know, bath. Things like that are becoming very important to buyers because they are spending an increased amount of money at a higher rate. So they want to make sure that, you know, the house has all the amenities that they really want.

The white picket fence, if you will. So, you know, buyers have time. They don’t have to rush into something in most cases, and I think they’re—that’s their leverage at the moment.

And, yeah, I mean, I’m seeing plenty of people right now that have homes to sell as well. And that’s where I think, you know, Tim’s Buy Now, Sell Later program could really be useful for a lot of people in the market right now looking to either step up to a bigger home or maybe you’re looking to downsize into something else that fits more your lifestyle and want some of the added flexibility that you aren’t going to have two payments and you can kind of take your time on both sides and not have to deal with contingencies to get what you want. So, not, you know, breakneck speeds, but still some houses are going pretty quick.

So it’s good to be prepared when you’re ready to pull the trigger. There you go. Jay Devon, you pulled over there? Or is he just frozen there now? It looks like I froze him.

Oh, boy. Hear me? You’re cutting in and out. So, well, we’ll give it one more shot here.

This is what live video is all about. Dead air. There you go.

It’s like I’m setting up this patio here for the shoot. And it’s all behind the scenes is a total mess. Behind me, you can see the puppy dog.

So, our friends at Shallow Boys brought their puppy dog. So, we got, it’s all just regular living down here. Showing the ocean breeze and air.

Well, we’ll put a talking head, an AI talking head in for Jay for later on. So, Jay Marinski, why don’t you take us on hold? Well, do we want to get into that Buy Now, Sell Later program here? Talk a little bit about that. What’s that? Talk a little bit more about the Buy Now, Sell Later program with Tim at Cross Country Mortgage.

Yeah, you can absolutely do that. So, the Buy Now, Sell Later program has been one of our most popular programs year in and year out. But especially in markets like this, having the flexibility to be able to buy on your own terms and sell on your own terms is even more important.

And so, the reason why the program was ultimately developed is because in order to buy without a home sale contingency, there’s going to be a few advantages to that. You’re going to have the ability to maybe list the house once you’ve already bought your new house. And maybe you’re recommending that as a way to just think that the house might sell faster.

If it’s empty and you can stage it or you can do whatever you need to do there. Or just logistically, not having to get the kids and the dogs and everything else out of the house in the meantime can be a great opportunity. But then also more just on the deal side itself, a lot of sellers are really not interested if they can avoid it in accepting an offer that’s going to be home sale contingent.

Or trying to time out two deals or even three, four, five deals. Sometimes we see a kind of a trickle effect where they’re all kind of contingent on the next deal closing and operating like that. It can get really stressful and there just can be a lot of kind of hoops to jump through at that time.

And ultimately we see plans change, deals fall through and a lot of other issues that can happen. And so that’s why our team ultimately developed the Buy Now Sell Later program as a way to combat all of those kind of negative things about potentially buying after you sell or just home sale contingents and stuff like that. And so at the program’s core, there’s three things that we need to solve for to buy before we sell.

Number one is potentially accessing equity to just cover the cash to close or down payment. And so we have a way to do that. The second is just the debt to income ratio.

So standard loan guidelines require us to count both the new house payment, of course, into the debt to income ratio. But also the old house payment, the departing residence, we call it, as well as any additional bridge loan or home equity line of credit payment against their monthly debt to income ratio. And so that takes what would be a very well qualified buyer and adds double or triple mortgage payments to their debt to income ratio on paper.

And again, it turns what would be a very well otherwise qualified buyer to somebody who now on paper doesn’t qualify for the next house before selling, thus a home sale contingency. And then the third thing is there’s a lot of buyers hesitant to just take on double mortgage payments, even if they qualify for it and they just really don’t want to have two payments at once. And so kind of in a nutshell, what we offer to access equity is our in-house line of credit or bridge loan.

And so the short of it is that we are able to pull money from the departing residence to apply it as the down payment for the new house. And that can work, depending on the situation, better for a HELOC or better for a bridge loan. The quick kind of way to think about it is that if you need additional funds outside of for the down payment.

So, for example, if you as the listing agent are recommending that they need to make some repairs or something like that on the home to list it, maybe we would look at the HELOC option. If we just think we just want to take all the money and apply it towards the new house, maybe we’d look at the bridge loan option instead, because the bridge loan doesn’t have a monthly payment altogether. But either a bridge loan or a HELOC is a great way.

On top of that, we’ve also seen folks actually just use a minimum down payment and then do what’s called a recast later. A recast, of course, is when you take a minimum down payment on the new house. And then once your house sells, you take a much bigger amount and put the rest down.

It’s kind of a down payment after closing. And that then payment reduces at that point. And so we offer a recast on all these types of loans, which is a fantastic way to lower the payment later without having to do a full refinance or anything like that.

Some folks are able to pull from retirement accounts and then fund them back after their house is sold as well. So again, there’s a lot of options to fund the down payment for the new house that way. Second piece of it is our in-house portfolio loan aspect to it.

Our bridge loan and HELOC are also in-house. But then the second piece to solve for the debt-to-income ratio is our Buy Now, Sell Later program. The way it works is very simple.

It’s going to look and smell like a conventional loan, but we’re going to do everything in-house, including servicing, and not sell it off to Fannie Mae or Freddie Mac. It’s what we call a portfolio loan. And so what that means for our buyers is that on paper, we’re not looking at the departing residence payment.

We’re excluding it from the debt-to-income ratio. We’re excluding the HELOC payment if there is one or anything like that, as well as HOA or taxes, insurance. All of it is excluded, and we’re just focusing on the new house to qualify.

And that’s the short of it. And the first question I always get is, what are the fees? What are the cash? And what’s nice about the program is that our standard, our platinum program, really looks the same in terms of pricing and cost as a regular conventional loan. And so there’s no disadvantage to doing it.

This is kind of back to the cross-country philosophy of our best marketing is doing a great job on every loan. And to be able to do a great job on every loan, we’ve got to get the app back. And the best way to get the foot in the door is just having really cool programs like this Buy Now, Sell Later program.

Now, on the other side of things, if for some reason the buyer wouldn’t qualify for our Buy Now, Sell Later program, we do offer exceptions. And oftentimes, we can get those granted and approved. And that’s with that point when you would see maybe a slight rate hit because we have to make an exception and the risk is a little bit higher.

But for a lot of buyers, we’re able to just qualify standard. And so that is the, I think, perfect way to qualify. And then thirdly, double payments.

If they’re concerned about that, our bridge loan, we can actually use to then just actually pay off their existing mortgage altogether. And we don’t have a payment on our bridge loan. And so basically, what that means is that we just pay off the existing mortgage, cover it all with our bridge loan.

And then if they don’t want to have to deal with any payments on that, then we’re good to go. They’re all set. And then the last thing to do with the double payments, and I’ll let you guys ask any questions you have on it, is one thing I always point out with clients is that depending on when we close, your first payment could be a ways out.

And so here we are, October 30th. And if we close it and strategically do just over 30 days and we close at the beginning of December, for example, then you actually wouldn’t have your first mortgage payment on your new house until February 1st. And so there’s a lot of time until you’re going to have your first mortgage payment because of how that’s set up.

And so you have a lot of time where that’s not going to take place. And worst case, you close in November, the seller’s asking for a faster close. You still aren’t going to have your first payment until January 1st at that point.

So it’s two calendar months we offer that. So two calendar months after your closing date is when your first payment typically takes place. So close any time in November, close on January 1st payment, close any time in December, February 1st payment, and so on.

And so once we throw all that in together, it usually is a really awesome winning strategy that helps people buy before they sell with minimal hassle or cons to taking advantage of it. Yeah, it’s awesome. I don’t think I have many questions.

I think, you know, for clients that are interested, they definitely need to chat with you and get with you to explore that program. That’s right. I think it’s always, you know, every situation is a little bit different.

And every client has specific questions related to their financial profile, their personal situation and everything else. And so what we always do is obviously get the initial information and then sit down kind of like this over Zoom. Or they’re welcome to come into our office in Polaris and sit down face to face and work through the strategy that’s going to be best for them.

And also just get a better chance to ask the questions that are most pertinent to them. Absolutely. You guys hear me now? Jay DeBomb back.

Can you hear me? Yes. Mm hmm. So, yeah, I guess.

I guess you just splice this in wherever it will go. The the listing count right now in central Ohio, we’re almost 6800. We got a real shot here getting over 7000 before the before the end of the year.

I mean, days on market. The median days, you don’t pay your bets anyways. I’m not accepting any more bets with you.

Bets are all off. The median days on market is forty nine remains unchanged last two weeks. Average days on market is still up over 70.

And so it’s taken some time, you know, to sell a house now, depending on the pricing and location. We talked about, you know, a week or so ago, you know, in Dublin, between like six hundred and eight hundred thousand. Those homes are either selling in like three days or three months.

And and so and that’s, again, where the averages and the medians come from. You know, but for the most part, you know, when I’m going into listing appointments right now, you know, the conversations are, hey, we’ve got an election coming up in a week. You’re in a typical seasonal decline.

Interest rates, you know, have gone up. You got, you know, three, four things kind of layering on top of each other. It’s going to take some time.

Anecdotally, you know, a couple of listings I put on in the last few weeks, the first seven days slow. And then like on day eight and nine, all of a sudden showing start popping through. So I think it’s really important that sellers have the right expectations and they don’t just try and jam, you know, price slashes and cuts.

I think you’re, you know, biting off your nose despite your face. You’re just giving money away at a certain point, just wait a week or two, let the election pass and die down. And then if you still have no action, make your moves.

So that would be the advice I would give to all the sellers out there. Yeah, I agree. Yeah, I think.

Wait till next week. Get beyond this election. I think things with interest rates coming down a little bit, gas prices hopefully come down a little bit more.

We’ll see the market start to take off. I’m predicting you won’t make your 7,000 listings by the end of the year because the buyers will flood the market starting mid-November and you’re going to have a lot of closings in December. Speaking of that, I did look at the weekly MLS numbers where we had 460 went into contract last week and about 800 new listings.

It was over 800, close to 900 new listings. And so that is that weird balance as 1,000 new listings come on a week and 500 are selling. We’re gaining a couple hundred every week here.

So we’ll see how things continue to progress. I’m working on a new website and one thing I find interesting. One of the new features is these little community pages where I’m pulling in data from the MLS and it’s showing me how many active homes are in the neighborhood, in a subdivision, in a zip code, and then how many have sold in the last 30 days, 60 days, 12 months.

There are some areas that remain a seller-advantaged market and I would define that as you get to three-month supply and that’s where it starts to shift back to a buyer’s market. If you’ve got one-month supply, two-month supply, it’s going to be a seller’s market. And again, that’s going to vary in price points.

It’s not just the location. The thing that’s interesting is a lot of these neighborhoods are starting to all of a sudden flip to buyer markets. And I don’t know that people can probably feel that.

I think maybe some people that don’t look at it that way maybe already think, oh, it is a buyer’s market. I mean, half the realtors I talk to, they think it’s a buyer’s market. When they send me a lowball offer and then their buyer misses out on it and a week later the house sells for full price.

So, I think a lot of realtors may have randomly jumped the gun, but you are starting to see that pendulum shift. And like you said, Dad, maybe here a couple of weeks, election ends. December’s been strong the last several years, but normally it’s because interest rates are coming down and maybe that trend will continue now.

If interest rates go up, it’s going to be an interesting winter. If they continue to settle down, we somehow someway get below 7% after elections and market news. Maybe you’re right.

Maybe we don’t get up to the 7,000. Yeah, I think Tim’s working on getting below 7%. That’s right.

He’s got the president’s direct phone number there and he’s like, guys, we’ve got to get this down. That’s right. Well, Trump keeps saying that, too.

If we can get Tim and his company to get below 7%, Tim, you’ll have more business than you know what to do with, because everybody else will be at 7.25%. That’s right. I mean, what’s crazy is that the president says that, oh yeah, we’ve got to get these rates down.

No, I’m talking about the president. No, I’m talking about the president of the United States and the next sentence out of his mouth is, this won’t end until after midterms. It’s like, what? You’re killing me.

There you go. I’m all over the place. It was a long night last night, fellas.

It looks like you’re in Mexico with dogs behind you. No, you thought I was in Carolina. No, where you’re at.

You told me you’re going to South Carolina. I never said that. Yeah, he told me that for his overnight stay, so that’s where the wires crossed.

Somehow I ended up in Palm Coast, Florida. I just kept driving. I knocked on the door down here and they said, come on in.

There you go. Go visit Mar-a-Lago and get the president’s ear, will you? There you go. All right, fellas.

Well, I appreciate the market update and Tim, thanks for joining us. We’ll have to do this again sometime. If you guys are looking to buy and have a house to sell, the Buy Now, Sell Later program may be especially important to you to at least give Tim a call and his information will be here on the screen.

And also for refi’s or just financing in general, any sort of mortgage advice, give Tim a call. If you guys are looking to sell a house, give Jaysen a call here at Sell for 1%. If you’re looking to buy, give me a call.

Always happy to help and don’t bother Dave. He’s on vacation. If you’re looking to complain about Jay, give me a call.

I’ll still pick the call. There you go. Thank you, guys.

I appreciate your time. We’ll be back next week.