September 30, 2024 • 30 mins
Stormy interviews Tracy Harmon and Victoria Harmon about a Free Housing Symposium at Brown Baptist.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Well, hello everyone, I am Stormy.
Speaker 2 (00:02):
It is the polls and we keep our fingertips on
the pulse of our community. Got some special guests on
the show today from Brown Baptist.
Speaker 3 (00:12):
Hey, Brown Baptist, and Hella. Hello.
Speaker 4 (00:15):
How are you?
Speaker 1 (00:16):
I'm very good.
Speaker 3 (00:17):
Tell everybody who you are, Hi, Stormy. I am Tracy
Harmon with Brown Baptist.
Speaker 5 (00:21):
Hey, Tracy, Hey, And I'm Victoria Young Robinson, also a
member of Brown Baptist.
Speaker 1 (00:26):
Hey.
Speaker 2 (00:27):
Okay, So now that's not why they're here. They're here
because they've got something really special for the community that
is happening. And this is like a public service ps
we you know, kind of a PSA today, a long
one for you as we talk about the housing symposium
that is going to happen at Brown Baptists.
Speaker 1 (00:47):
How long y'all been doing this symposium?
Speaker 3 (00:49):
Oh wow, thanks for having us, Stormy.
Speaker 1 (00:51):
You're welcome.
Speaker 6 (00:51):
This is actually our second year to have the housing SYMPOSI.
Speaker 1 (00:55):
Okay, second year, so we're expecting big things.
Speaker 3 (00:58):
Yes we are.
Speaker 6 (00:59):
Last year was truly a blessing and a success, so
Pastor Or gave us the thumbs up to have it again.
Speaker 2 (01:07):
Oh okay, Yes, I'm curious because I don't know if
I've ever been to a housing symposium.
Speaker 1 (01:14):
So what do you learn at a housing symposium?
Speaker 5 (01:18):
Well, I think this one is just unlike any other
that happens locally. We touch on credit, We touch on
just the buying process.
Speaker 4 (01:26):
What that looks like.
Speaker 5 (01:26):
I mean, the practical aspects of buying home inspections, but
also the closing process. I'm selecting the right realtor for you,
And definitely Dad mentioned credit because that is a very
big thing. That's a big preparation. Yeah, and we know
the interest rates are about to drop this week, so
it is just really getting you ready and confident in
(01:49):
your home buying process or even if you're looking to
invest as a realtor. We also have that is well
real estate investing. So just a very holistic approach to
the real estate home buying process.
Speaker 1 (02:01):
Okay, I like that, Victoria, Thank you so much. So.
Speaker 2 (02:04):
Home ownership in real estate investing made simple is what
you call it? The pathway to that? Do you do
you find that a lot of people really are interested
in not just buying home but becoming investors most definitely.
Speaker 6 (02:18):
That's actually one of the things that we found last year,
and that's the reason why we kind of changed the
model up the way we're doing it this year. So
this year we're also having the real estate investing side
in our very own Victoria Young will also be doing
an a state planning class as well to assist with
individuals that's interested in a state planning too.
Speaker 1 (02:39):
Okay, so you've added something to us.
Speaker 4 (02:43):
I left me out.
Speaker 2 (02:46):
Oh not you, it's another Tracy, I mean Victoria. This
is another's Victoria.
Speaker 1 (02:50):
Wait did I call you Victoria Robinson? So you're young too.
Speaker 4 (02:58):
That's my maid name marriage.
Speaker 2 (03:02):
So you trip me up when you did that. I'm like,
oh lord, it's okay, It's quite all right. Okay, So
as far as that is concerned, tell me a little
bit more about that.
Speaker 5 (03:13):
We'll just find, especially in our community that we are. So,
I guess it's a taboo talk topic to talk about
what to do with your assets after.
Speaker 4 (03:24):
You know, you are gone from this earth.
Speaker 1 (03:26):
So jes we don't like to talk about it.
Speaker 4 (03:27):
We don't like to talk about it.
Speaker 5 (03:28):
And so as we demystify all of these other topics around,
you know, acquiring real estate, what do you do with
it once you're gone to make sure that it doesn't
you know, go to the state, but it's protected. So
just very easy practical steps that you can immediately implement
from leaving the symposium to that next Monday to make
sure that you're very situated, your assets are protected as
(03:53):
you prepare for Yeah.
Speaker 2 (03:55):
Yeah, I'm Stormy. It's the pulse, y'all talking to Tracy
and Victoria. So, Victoria, if I were to buy a
house and thought about putting it in a trust, is
that is that something that's doable? Is that something people
are doing?
Speaker 5 (04:07):
Tell me about the Absolutely, storm I can't give you
all of that because then people might not come to this.
Absolutely those and those are just wealth building tools as
well that we just don't know. And it's what our
people perish for lack of knowledge, and we want to
make sure that we're equipping you to know it's at
(04:27):
your disposal.
Speaker 2 (04:28):
Yeah, it's good to have all of that, I think
tie into one thing. You know why, because you know,
you may have somebody that shows up that wants to
buy a home and they didn't realize the rest of it,
you know what I'm saying that there were other parts
that they could uh and probably most people that are
listening right now had never even thought about some of
the things that you're sharing, like I would love to
get back into real estate investment. I've done it before,
(04:49):
but I would love to get back into it. You
know what I'm saying, and this time using other folks
money right right away?
Speaker 3 (04:58):
Well, Stormer, you should have to how I should?
Speaker 1 (05:01):
I should?
Speaker 6 (05:02):
You know?
Speaker 2 (05:02):
And the good thing is what is it September twenty eighth, Yes,
and it's gonna begin at nine eight And is it
a two day thing or just one day?
Speaker 6 (05:08):
It's just one day, okay, and the hours are from
nine to three.
Speaker 1 (05:12):
Nine to three.
Speaker 2 (05:13):
You're gonna keep us saying all day You're gonna teach
us something, but we're also.
Speaker 1 (05:18):
Come on, I love that. I love that. But you're
gonna have some special guests there too.
Speaker 3 (05:22):
I heard absolutely.
Speaker 4 (05:24):
Yes.
Speaker 5 (05:24):
So we have our very well Memphis based interior designer
Carmeon Hamilton, and I love her. Yes, it's fresh off
of HGTV's Urban Oasis home that she just completed in
design and then you see, also did the one hundred
Day Hotel challenge, so she's been very busy but is
very committed to Memphis and the region, of course I am.
(05:46):
And then we have Egypt Chirod who's returning, also an
HGTV veteran who was very well received last year. I
mean possible from our great sponsors.
Speaker 6 (05:58):
Yes, by Skylight Instruction, and we have several other sponsors
as well, but Skylake we have a wonderful relationship with
them and they are presenting sponsors this year.
Speaker 2 (06:07):
Okay, Okay, Brown, come on Brown, Yes, So are we
doing breakout classes for everybody?
Speaker 1 (06:15):
We are.
Speaker 6 (06:16):
We're actually taking the individuals on a journey to home ownership. Okay,
So once they registering, they can go to Brown Baptist
dot org. Is it free and it is free, absolutely free.
Absolutely everything is free.
Speaker 1 (06:28):
And they feed me free.
Speaker 3 (06:29):
Yes, you get all entertain me for yes.
Speaker 5 (06:33):
And yeah.
Speaker 6 (06:34):
We're also giving away prizes as well, door pries, wonderful
giveaways and lunch for free.
Speaker 1 (06:40):
I love that. It's my favorite. So what we're doing.
Speaker 6 (06:43):
Is on that journey, we'll have credit, we'll have down
payment assistance. We have some awesome lenders that will be
educating on down the down payment assistance products. And as
I stayd with the State Planning class with the Victoria,
we have the real estate investing class, the closing attorney
process and also the real process, So we'll take individuals
on that complete journey to home ownership.
Speaker 1 (07:04):
Wow.
Speaker 6 (07:04):
And even if they're interested into getting into real estate investing,
it would be an amazing opportunity as well.
Speaker 2 (07:09):
Yeah, and beyond, like you said, even the estate planning
as well.
Speaker 1 (07:14):
Yeah. Okay, So how many.
Speaker 2 (07:15):
People do you have registered for it already or do
you have people registered?
Speaker 6 (07:19):
We do currently we have a little over five hundred
and fifty individuals registered.
Speaker 1 (07:24):
Wow.
Speaker 6 (07:25):
Yes ma'am, Yes, ma'am. It's a free event and there's
a need for.
Speaker 1 (07:29):
It, is it?
Speaker 2 (07:30):
Because you guys know that a lot of people want
to buy houses and just maybe have been afraid to
do it or didn't know they have the resources. You
know what I'm saying, The resources, I don't mean money,
I mean resources into as far as what do I
do first?
Speaker 4 (07:45):
Right?
Speaker 5 (07:45):
I think Brown just has a great post on the
needs of the community and for the not real year, it.
Speaker 4 (07:50):
Was so well received.
Speaker 5 (07:51):
It's like we have to do it again and we
have to expand it to make sure that we are
now catering to those needs from last year, but also
building on that. So the need is definitely there. It
is so many resources that I mean, and we just
want to demystify that process. Because you have the experts
which we will have in all of these breakout sessions
(08:12):
to guide you through. It really makes it seamless and
also seems attainable.
Speaker 1 (08:16):
Yeah.
Speaker 6 (08:17):
Absolutely, And this is also part of Pastor Or's vision
taking the holistic approach.
Speaker 3 (08:23):
So with the success of last year, he was like,
we have to.
Speaker 1 (08:26):
Do this again. So yes, I love that.
Speaker 2 (08:29):
I think it's important too, not just for the church,
as far as it's like being God's arms for the
community and giving people something that a lot of people
don't even realize that they can attain. They don't even
know the projects that are out there available to them
because maybe they were afraid or you know what I'm saying,
(08:51):
home ownership is a big deal. Well, you know for
a lot of people it is. You know, it's a
big deal making that step. And even for people maybe
that you know, you've lost a home maybe before and
you had something bad happen. Just because it happened before,
there was something bad happened, but doesn't mean it's gonna
happen again. So don't be afraid to get back in
(09:11):
the game.
Speaker 6 (09:13):
Homeownership absolutely, because the first step to building generational wealth
comes from home ownership. And then with these rental rates
that's out here now, oh my gosh, you can buy
a home for the cost of what you're paying in rent.
Speaker 2 (09:26):
Yes, absolutely, and I don't think people realize that. And
you can get more people into a home generally, you know,
than you can for what you're paying in rent as well.
Speaker 1 (09:34):
You know what I'm saying.
Speaker 2 (09:35):
Say, for instance, you're in a place and it's costing
you two thousand dollars and it's only one or two bedrooms,
you know what, you might be able to get something
a little bit bigger as you know, you know, So
that is yeah, and then the big challenge you guys,
it sounds like you're solving. You're making the process even
better too because you're helping with the realtor aspect of
(09:56):
it as well. Absolutely, yeah, So that turn it all together.
Come on, I love this.
Speaker 1 (10:05):
I love this.
Speaker 3 (10:05):
We're doing our best.
Speaker 1 (10:07):
Yeah, we're doing Yeah. So who should attend this?
Speaker 5 (10:12):
I think what if you are ready to even if
you're not ready to buy at home, if you're interested
in learning to prepare to get you in position, if
you want to network with other real estate professionals just
to learn about the different vendors. We will have vendors there,
so if you are, you want to network with them,
(10:32):
just to learn.
Speaker 4 (10:33):
If you're already in.
Speaker 5 (10:34):
It, if you have a cousin, friend, child, somebody to
get in it. It's just going to be to get
this information for free when people are charging. It makes
no sense why you wouldn't be here taking advantage of it.
Speaker 6 (10:48):
Because the lenders that we have that will be educating
the attendees have a ton of downpayment assistance products that's
available and that's free money. So I tell my clients
and whomever that I know you do not want want
to leave any money on the table if it's there
taking image of those opportunities.
Speaker 1 (11:03):
Yeah, it is the pulse you guys.
Speaker 2 (11:05):
I'm Stormy talking to Tracy and Victoria about this Free
Pathway to Home Ownership housing symposium that's happening at Brown
on September twenty eighth. Yeah, we'll be in Fall by
then too. It's going to start at nine to a m.
(11:26):
I love that you're bringing people in carmeon Egypt Sharad
bringing them in to be a part of this because
I think that you know, people probably watch Egypt on
HGTV that we know Carmeon, many of us, you know,
know about her and what she's accomplished out of the
our community. But to see Egypt and you know the
(11:47):
stuff that she's doing on TV with her husband, the
shows that they have, she know what she talked.
Speaker 3 (11:52):
About absolutely, you know what I'm saying.
Speaker 2 (11:54):
She knows what she's talking about. Is she teaching a
class as well?
Speaker 6 (11:58):
We're actually doing She's one of our main stage presenters, okay,
along with Carmeon as well, and sky Lay Construction as well.
Speaker 3 (12:06):
Okay, so each of will actually close us out.
Speaker 6 (12:08):
So she's kind of she's putting the icing on the
cake for everything, all the events that will take place
at day Yeah.
Speaker 2 (12:14):
Okay, so you guys, your personal experiences will be display
at the Yes.
Speaker 6 (12:21):
Yeah, Victoria as a state, Victoria is doing an a
state planning class. And even though i am the CFO
for Brown Baptist, I'm also a realtor and lender as well.
Speaker 2 (12:34):
Skala Construction Okay, okay, okay, yeah, I'm Stormy again. It
is the Pulse and Tracy and Victoria they're here talking
about their Free Pathway to home Ownership housing some poets symposium.
What's The biggest question that you guys get from people
that want to buy home.
Speaker 6 (12:50):
Oh wow, where do I start my credit and all
that because the first piece that's typically a burial team.
A lot of people don't even credit score. Is that's
or what makes up their credit score? What even impacts
their credit score?
Speaker 1 (13:04):
Or what is a credit score?
Speaker 3 (13:05):
Absolutely?
Speaker 4 (13:06):
And how much can I afford?
Speaker 2 (13:07):
Right that? Yeah, okay, that's another one. So that's like
the what they call that the ratio, the.
Speaker 1 (13:16):
Yeah that you.
Speaker 6 (13:17):
Don't want to be house poor a lifestyle you have,
you want to keep that lifestyle after you purchase a home,
because it's a house that's a debt.
Speaker 4 (13:24):
You will have to pay for.
Speaker 2 (13:25):
And then sometimes you got to think about it too.
Are you going to live there alone? Are you gonna
buy it with somebody else? You know, what are your
think about your options? If you're one of those people
that's like, I cannot afford this, you probably haven't been
to this seminar before.
Speaker 6 (13:41):
We will have something for everyone and once you register,
you have the opportunity to pick up the three classes,
so it will kind of be like a round robin,
but you will just get a little bit from each
of the presenters.
Speaker 3 (13:53):
Of the three classes that you choose. So it's very valuable.
Speaker 2 (13:56):
So we're gonna get a lot of information put in
our hands to absolutely work, a lot of things to
consider and talk about and all that.
Speaker 1 (14:02):
Yeah, yeah, I like this.
Speaker 2 (14:05):
So are are you finding that husbands and wives are
signing up for the seminar as well?
Speaker 1 (14:10):
We do.
Speaker 6 (14:11):
There have been couples, there have been individuals, and you know,
sometimes it's the wife that makes that initial step to
get all the information and then bring it back to.
Speaker 3 (14:19):
The husband and present to the husband.
Speaker 7 (14:21):
Yes, yeah, yeah, Okay, can you guys tell me maybe
about your personal experience buying a house?
Speaker 3 (14:32):
Yes.
Speaker 5 (14:32):
So I am a lawyer by day and also a
realtor as well, and I do a lot of work
in environmental court blight for Shelby County. So I got
into real estate investing in that way, just seeing opportunities
and neighborhoods for homes that just have been or communities
that have been disinvested. And I'm like, okay, we can
(14:54):
turn the chapter on these these properties and make them
income generating through A and B and b's some some
flicks and flips to provide you know, more affordable housing
or just affordable rental housing. So that was kind of
my segue into it. I just saw I've always really
been interested in, really in to real estate, like yeah,
(15:15):
touring houses as a child with my parents. And now
it's just so many ways that you can use it
to build wealth.
Speaker 4 (15:23):
And I have two daughters and a son on the way.
Speaker 5 (15:26):
So now I think, with them in mind, what will
I have to pass down to them? Because I spent
a lot of money, you know, very frivolous things that
have no value.
Speaker 1 (15:34):
How did we all?
Speaker 5 (15:36):
I'm like, I need to shift the focus because I
see colleagues, you know, who have just these portfolios and
how they've leveraged the equity in their homes to do
various other things. Or I was in corporate transactions before
moving into real estate law, so also seeing how they
use real estate to fund completely separate.
Speaker 4 (15:57):
You know, business ventures.
Speaker 5 (15:59):
Yes, Okay, now that I know again I have that
knowledge and that exposure, I would be remiss not to
take it and implement it into my own investment strategy.
Speaker 1 (16:08):
Yeah.
Speaker 2 (16:09):
Like I said, you guys, it's the pulse. Thank you
for joining us. I'm talking to Tracy and to Victoria
about the free pathway to Home Ownership Housing Symposium. Do
you find that people when they decide they are looking to,
I guess, explore their portfolio or have a portfolio? You know,
(16:29):
because I know a lot of people like a portfolio.
I don't even have one, So first, what do we
do to have one? And how do we continue to
grow it? And it is that a part of the
one of the classes for the home buying Symposium, home Ownership.
Speaker 5 (16:48):
Brown has done an amazing job with the real estate investing.
That is kind of novel to our community for people
to focus on that.
Speaker 4 (16:56):
So you have to learn first.
Speaker 5 (16:57):
You have to put yourself in position to just gain
this knowledge so that you can, you know, bite it
off bit by bit.
Speaker 4 (17:04):
So no nobody does it. Start with the portfolio.
Speaker 5 (17:07):
You know, you start with that one and that creates
a domino effect that you have to get in the
room with the people who know and who are willing
to give of their time and expertise. And that is
at the symposium. It's literally on the table. It's on
you to come and get it and take advantage.
Speaker 1 (17:25):
Yeah.
Speaker 6 (17:25):
Absolutely, because the individual that we have that will be
speaking on real estate investing, he has about two hundred
and fifty properties wow, and he does throughout the United States.
He has property in Florida, he has two properties in Hawaii,
New York. So he is he has a tremendous amount
(17:47):
of real estate investing experience, and he's educating everyone on
this process for free, because everything at the Housing Symposium
is free.
Speaker 2 (17:55):
Yeah. You know, back in the day when I got
into it, it was Goodness Sheets.
Speaker 1 (18:01):
I forgot his first name. You're that guy.
Speaker 2 (18:04):
It was something Sheets he had. He was not Carlton,
was it Carlton?
Speaker 3 (18:11):
It might be.
Speaker 1 (18:12):
He was talking.
Speaker 2 (18:13):
About home buying and how to, you know, get into
real estate investing and all of that, and I think
I bought all his books and all of that. I
was gonna say Carlton Sheets, but then I was thinking
about Carlton Carlton Pearson and not the same people. But
it probably yeah, yeah, huh huh, it is Carlton Sheets. Yeah,
(18:36):
I'm looking up right now.
Speaker 1 (18:38):
But he was first.
Speaker 2 (18:40):
Yeah, he was the first person, you guys, and I
believe he's I'm looking at something now. It looks like
he passed away a few years ago, as a matter
of fact, But he was the first person that I
saw talking about that, and everybody took on that model.
But I still think there was something missing that. I
believe that you guys have you know the missing pieces
(19:03):
that and maybe there wasn't anything missing. Maybe I just
missed some of the books because that was all his
career was about, you know, real estate investing in all
of that, and I probably didn't look at all.
Speaker 1 (19:13):
But anyway, I.
Speaker 3 (19:15):
Saw the commercials, I saw the show, and that's how
I purchased the book. Yeah, but we have our very
own cault and sheets.
Speaker 1 (19:24):
That's what I'm talking about.
Speaker 6 (19:26):
The ACE of Real Estate Investment workshop as well. He
is a phenomenal speaker because he actually spoke at the
Housing Symposium last year. And the knowledge that he possessed,
and he's such an amazing individual and he's well rounded
all of that. He left Corporate America. He has an
amazing story. He left Corporate America. That's how we started.
(19:48):
And now he has a tremendous portfolio of property.
Speaker 1 (19:53):
Wow. Yes, wow.
Speaker 2 (19:54):
And who better learned from than somebody who's done it
and probably has made all the mistakes. I can tell
you what not to do, because the one thing I
find that you can't really teach people is how to
recover from the mistakes, that's true. That is usually somebody
who's been through it, you know what I'm saying, that
(20:15):
knows how to recover and how to pull yourself out
of out of that.
Speaker 1 (20:20):
You know what I'm saying.
Speaker 2 (20:21):
And to talk to somebody who has that kind of
knowledge is what you need. And that I'm sure he's
got a ton of stories. He does like that, you
know what I'm.
Speaker 3 (20:30):
Saying, And he's willing to share the knowledge that he
has with the world, with the public.
Speaker 1 (20:36):
And yeah, I'm Stormy.
Speaker 2 (20:37):
It's the Pulse checking in with Victoria and Tracy. They're
getting ready for their free Pathway to Home Ownership Housing symposium.
Speaker 1 (20:45):
It's going to be on September the twenty eighth.
Speaker 2 (20:47):
You guys, I love that you're bringing Egypt, and I
love that you're bringing carmeon and the gentleman that you're
talking about tell me his name again.
Speaker 6 (20:56):
Yes, his name is John Dobbins. His name is John DIBBNS.
And all of this is brought to you by our
wonderful sponsors, our presenting sponsors, Skyllect Construction, and we have
a lot of other sponsors that have been so gracious
to partner with us as well.
Speaker 3 (21:13):
And those sponsors will be on site and we.
Speaker 6 (21:16):
Have different banks, We have the closing attorney, we have
realtors and all. So you can get all of the
information by going to Brown Baptist dot org and registering
for the homeowner Ship Workshop the house.
Speaker 1 (21:29):
Is it a hard registration.
Speaker 3 (21:35):
At all.
Speaker 6 (21:35):
It's very easy, very easy process Brown Baptist dot org.
Select your three classes, hit submit, and we will send
you a reminder the day before the workshop.
Speaker 3 (21:46):
Because it is free, it's free.
Speaker 1 (21:49):
Every launch will be sir.
Speaker 6 (21:54):
Free, along with door prizes, giveaways, everything that you need,
and a wealth.
Speaker 3 (21:59):
Of him information.
Speaker 2 (22:00):
Okay, we got a little bit more time to share
a few more of those things. So nine a m.
We start off with a prayer I know somebody, of.
Speaker 6 (22:10):
Course, we will start off with prayer directives and our
first main stage speaker will be Carmeon Hamilton. Once we
once Carmeon enlightens us with everything that she does, everything
that she's doing, she's doing a lot of plans, she's
doing a lot, and then we'll dismiss and go into
(22:30):
the three classes. Once the individuals come back from the classes,
our second main.
Speaker 1 (22:36):
Stage speaker and what are those classes going to be?
Speaker 6 (22:38):
Those classes credit class, real estate investing, state class, state planning,
the lending class. Wall you said three, we'll see they
can pick.
Speaker 3 (22:53):
Let's go around.
Speaker 6 (22:54):
What we're doing is we're meeting people where they are
because it could be someone that's just interested in real
estate investing, so they just want the real estate invested. Yes,
it could be someone that's say first time home buyer
that needs the full process.
Speaker 3 (23:06):
Which would be the credit class to.
Speaker 6 (23:08):
Know what loan options are out there as far as
the downpayming assistance products. And then we combine the closing
attorney class and the religion class together because that way
you need a good relator because the thing that we
find in both of our professions, being relatives, is that
you have people that fall in love with the house,
but they go about it backwards. They don't know if
(23:28):
they qualify for their home, they don't know how, they
don't even know if they can get.
Speaker 3 (23:32):
That all right, or what their credit is. So we
help them. We'll help them on this pathway.
Speaker 6 (23:37):
So when you register, select three classes that's most important
to you. And we also have a home inspector's class.
So the main thing there is regardless of whether you're
buying new construction or an existing home, get a home
inspection across the board, regardless, regardless, it's important.
Speaker 1 (23:55):
So we will offer that class because you don't ever know.
Speaker 2 (23:58):
That's even if you're listening and you've already gotten through
all you've already gone through all the stages and you're
thinking you're gonna buy the house, don't and you don't
want to get it in You better get that house.
Speaker 6 (24:06):
Inspected, absolutely, because you do not want to. You don't
know somebody else's problem. That's right, that's right at.
Speaker 2 (24:11):
All, because there could be problems even though somebody. Don't
ever take nobody's word. Okay, it's like buying a new cat.
Don't ever take nobody's word for it. You gotta get
that thing inspected. And and the problem you could be
inheriting could be a big problem. Absolutely, and then you
don't even know if you got the money once you
buy it to fix the problem. Yeah, home ownership is
(24:34):
the real deal. But it is attainable. It is possible.
Don't think it's not for you. If it's something you want,
you can do it. You can grow to get wherever
it is you want to go. You know, wherever it
is you want to be. It's like somebody thinking about
marriage and they decide, I'm going to some single classes.
I'm gonna find out all the things I need to
(24:54):
know before I find my bow ass, you.
Speaker 1 (24:56):
Know what I'm saying.
Speaker 4 (24:59):
About it.
Speaker 1 (25:00):
So even if you're not there completely, this is a
good process to go through.
Speaker 7 (25:05):
Yeah.
Speaker 3 (25:05):
Safe place, Yeah, I love that.
Speaker 1 (25:08):
The safe place, I love that.
Speaker 6 (25:10):
And then so if you're renting, you're paying for something
that will never be yours.
Speaker 3 (25:13):
Right, and centrists a thousand percent absolutely.
Speaker 2 (25:19):
Let me tell you some that people y'all already they
already know rent is high.
Speaker 1 (25:24):
It is it's too hot, it's too.
Speaker 2 (25:29):
High, and all of us are affected by that. And
even when things happen in the city as far as
taxes and things like that, you know, even renting, you know,
people think I'm renting, that's not gonna affect me.
Speaker 1 (25:41):
Yeah, will it will? Yeah will Yeah.
Speaker 2 (25:43):
And then think about this for the folks that are renting.
And again it's the pulse. I'm stormy with you talking
to Victoria and to Tracy today about the housing Symposium,
the free, free, Free Pathway to home Ownership Housing Symposium
that they're hosting on September twenty eighth. UH The one
thing about renting you have to remember is that rent goes.
Speaker 1 (26:05):
Up every year.
Speaker 2 (26:08):
It does, but your house payment generally is gonna stay
around the same. And the wonderful thing is you can
you can also you know, if you're a certain age,
you can apply for home exemptions and uh and things
like that that they come on, come on, asset.
Speaker 1 (26:31):
It's an asset.
Speaker 2 (26:32):
It's something that is going to appreciate generally as well.
So you're gonna have something that you can pass on.
And that is one of the how home ownership is
one of the ways that we've created in the black community.
Black wealth is one of the ways that you can
create wealth in your family.
Speaker 1 (26:53):
Absolutely right, you know what I'm saying.
Speaker 2 (26:55):
For those that felt feel like I don't have enough education,
you know how to buy a house, you and you
could create wealth just like everybody else.
Speaker 3 (27:03):
Absolutely Yeah, with good credit. Get your credit straight.
Speaker 7 (27:08):
You know.
Speaker 2 (27:09):
The good thing about that is getting your credit straight.
It takes a little time and some work, but you
can still do it.
Speaker 6 (27:15):
There is a pathway, yes, absolutely, and we're assisting with
that pathway, yes, because we have a wonderful partnership with
Operation Hope. I'm sure in the Memphis area. Everyone has
heard about Operation Hopes, So Operation Hope will be there
doing the credit workshops as well. So once they attend
the credit workshop, they're eligible for a one on one
counseling session and it's.
Speaker 5 (27:36):
Free, right because we know so many people are being
marketed these credit recovery and the monthly subscription services credit
you do.
Speaker 1 (27:48):
Not have to pay.
Speaker 5 (27:50):
It is so many free resources and it's I mean,
it's just a blessing that we're able to bring them
all together.
Speaker 2 (27:56):
I love that you said that. I love that you
said that because a lot of people get trick thinking
they got a page in their a service that you
can actually find in Memphis, in Memphis absolutely free.
Speaker 5 (28:07):
And you know these are confidential services as well, because
we know a lot of people don't want to reach
out because it's like, well I don't want you.
Speaker 4 (28:13):
And my BS or somebody gonna find in my finances.
Speaker 5 (28:17):
And it's like we have to get over that so
we could get to the actual goal and be able
to help you, like we it's just real estate professionals,
you see it all nobody is judging you your situation
and is really there to help you, and you'd be
surprised what other folks have gone through, right that you
think are perfect and they never had anything happen to
them in their lives.
Speaker 1 (28:37):
You'd be surprised, absolutely.
Speaker 2 (28:39):
So don't judge yourself by people that you see because
they outside never tells the story right, not at all.
I love this Brown Baptist Church. They are getting ready
for their free Pathway to Home Ownership housing symposium and
it is September twenty eighth, nine eight M. Tell me
how can people reach out to you again to be
(29:01):
a part of this or get on board, come to
it all that good stuff.
Speaker 6 (29:04):
They can register and register today at Brownbaptist dot org.
Collect your three classes and we will see you on
September the twenty eighth at nine a m. Registration will
start at eight, So start at eight.
Speaker 2 (29:17):
Okay, if we follow y'all on social media and we
got some questions, can we all ask y'all questions?
Speaker 3 (29:24):
Can you can? But just register for the houses.
Speaker 2 (29:29):
Supposed to make it easy and then come and get
all your questions.
Speaker 6 (29:32):
Out absolutely And the location will be at our South
campus and that addresses seventy two hundred Sweeny Road in
South Haven, Mississippi.
Speaker 1 (29:41):
I love it Thank you guys for stopping by.
Speaker 3 (29:43):
Thank you good information.
Speaker 2 (29:45):
It's God's work and thank you for doing it. Thank you,
God bless you, I bless you. All Right, it's the Pulse.
I am stormy. Thank you again, Tracy and Victoria for
coming by. We appreciate you so much. All Right, We're
gonna see y'all next week, same time, same station. God
bless you.
Speaker 1 (30:00):
Have a great week.
Well, hello everyone, I am Stormy.
Speaker 2 (00:02):
It is the polls and we keep our fingertips on
the pulse of our community. Got some special guests on
the show today from Brown Baptist.
Speaker 3 (00:12):
Hey, Brown Baptist, and Hella. Hello.
Speaker 4 (00:15):
How are you?
Speaker 1 (00:16):
I'm very good.
Speaker 3 (00:17):
Tell everybody who you are, Hi, Stormy. I am Tracy
Harmon with Brown Baptist.
Speaker 5 (00:21):
Hey, Tracy, Hey, And I'm Victoria Young Robinson, also a
member of Brown Baptist.
Speaker 1 (00:26):
Hey.
Speaker 2 (00:27):
Okay, So now that's not why they're here. They're here
because they've got something really special for the community that
is happening. And this is like a public service ps
we you know, kind of a PSA today, a long
one for you as we talk about the housing symposium
that is going to happen at Brown Baptists.
Speaker 1 (00:47):
How long y'all been doing this symposium?
Speaker 3 (00:49):
Oh wow, thanks for having us, Stormy.
Speaker 1 (00:51):
You're welcome.
Speaker 6 (00:51):
This is actually our second year to have the housing SYMPOSI.
Speaker 1 (00:55):
Okay, second year, so we're expecting big things.
Speaker 3 (00:58):
Yes we are.
Speaker 6 (00:59):
Last year was truly a blessing and a success, so
Pastor Or gave us the thumbs up to have it again.
Speaker 2 (01:07):
Oh okay, Yes, I'm curious because I don't know if
I've ever been to a housing symposium.
Speaker 1 (01:14):
So what do you learn at a housing symposium?
Speaker 5 (01:18):
Well, I think this one is just unlike any other
that happens locally. We touch on credit, We touch on
just the buying process.
Speaker 4 (01:26):
What that looks like.
Speaker 5 (01:26):
I mean, the practical aspects of buying home inspections, but
also the closing process. I'm selecting the right realtor for you,
And definitely Dad mentioned credit because that is a very
big thing. That's a big preparation. Yeah, and we know
the interest rates are about to drop this week, so
it is just really getting you ready and confident in
(01:49):
your home buying process or even if you're looking to
invest as a realtor. We also have that is well
real estate investing. So just a very holistic approach to
the real estate home buying process.
Speaker 1 (02:01):
Okay, I like that, Victoria, Thank you so much. So.
Speaker 2 (02:04):
Home ownership in real estate investing made simple is what
you call it? The pathway to that? Do you do
you find that a lot of people really are interested
in not just buying home but becoming investors most definitely.
Speaker 6 (02:18):
That's actually one of the things that we found last year,
and that's the reason why we kind of changed the
model up the way we're doing it this year. So
this year we're also having the real estate investing side
in our very own Victoria Young will also be doing
an a state planning class as well to assist with
individuals that's interested in a state planning too.
Speaker 1 (02:39):
Okay, so you've added something to us.
Speaker 4 (02:43):
I left me out.
Speaker 2 (02:46):
Oh not you, it's another Tracy, I mean Victoria. This
is another's Victoria.
Speaker 1 (02:50):
Wait did I call you Victoria Robinson? So you're young too.
Speaker 4 (02:58):
That's my maid name marriage.
Speaker 2 (03:02):
So you trip me up when you did that. I'm like,
oh lord, it's okay, It's quite all right. Okay, So
as far as that is concerned, tell me a little
bit more about that.
Speaker 5 (03:13):
We'll just find, especially in our community that we are. So,
I guess it's a taboo talk topic to talk about
what to do with your assets after.
Speaker 4 (03:24):
You know, you are gone from this earth.
Speaker 1 (03:26):
So jes we don't like to talk about it.
Speaker 4 (03:27):
We don't like to talk about it.
Speaker 5 (03:28):
And so as we demystify all of these other topics around,
you know, acquiring real estate, what do you do with
it once you're gone to make sure that it doesn't
you know, go to the state, but it's protected. So
just very easy practical steps that you can immediately implement
from leaving the symposium to that next Monday to make
sure that you're very situated, your assets are protected as
(03:53):
you prepare for Yeah.
Speaker 2 (03:55):
Yeah, I'm Stormy. It's the pulse, y'all talking to Tracy
and Victoria. So, Victoria, if I were to buy a
house and thought about putting it in a trust, is
that is that something that's doable? Is that something people
are doing?
Speaker 5 (04:07):
Tell me about the Absolutely, storm I can't give you
all of that because then people might not come to this.
Absolutely those and those are just wealth building tools as
well that we just don't know. And it's what our
people perish for lack of knowledge, and we want to
make sure that we're equipping you to know it's at
(04:27):
your disposal.
Speaker 2 (04:28):
Yeah, it's good to have all of that, I think
tie into one thing. You know why, because you know,
you may have somebody that shows up that wants to
buy a home and they didn't realize the rest of it,
you know what I'm saying that there were other parts
that they could uh and probably most people that are
listening right now had never even thought about some of
the things that you're sharing, like I would love to
get back into real estate investment. I've done it before,
(04:49):
but I would love to get back into it. You
know what I'm saying, and this time using other folks
money right right away?
Speaker 3 (04:58):
Well, Stormer, you should have to how I should?
Speaker 1 (05:01):
I should?
Speaker 6 (05:02):
You know?
Speaker 2 (05:02):
And the good thing is what is it September twenty eighth, Yes,
and it's gonna begin at nine eight And is it
a two day thing or just one day?
Speaker 6 (05:08):
It's just one day, okay, and the hours are from
nine to three.
Speaker 1 (05:12):
Nine to three.
Speaker 2 (05:13):
You're gonna keep us saying all day You're gonna teach
us something, but we're also.
Speaker 1 (05:18):
Come on, I love that. I love that. But you're
gonna have some special guests there too.
Speaker 3 (05:22):
I heard absolutely.
Speaker 4 (05:24):
Yes.
Speaker 5 (05:24):
So we have our very well Memphis based interior designer
Carmeon Hamilton, and I love her. Yes, it's fresh off
of HGTV's Urban Oasis home that she just completed in
design and then you see, also did the one hundred
Day Hotel challenge, so she's been very busy but is
very committed to Memphis and the region, of course I am.
(05:46):
And then we have Egypt Chirod who's returning, also an
HGTV veteran who was very well received last year. I
mean possible from our great sponsors.
Speaker 6 (05:58):
Yes, by Skylight Instruction, and we have several other sponsors
as well, but Skylake we have a wonderful relationship with
them and they are presenting sponsors this year.
Speaker 2 (06:07):
Okay, Okay, Brown, come on Brown, Yes, So are we
doing breakout classes for everybody?
Speaker 1 (06:15):
We are.
Speaker 6 (06:16):
We're actually taking the individuals on a journey to home ownership. Okay,
So once they registering, they can go to Brown Baptist
dot org. Is it free and it is free, absolutely free.
Absolutely everything is free.
Speaker 1 (06:28):
And they feed me free.
Speaker 3 (06:29):
Yes, you get all entertain me for yes.
Speaker 5 (06:33):
And yeah.
Speaker 6 (06:34):
We're also giving away prizes as well, door pries, wonderful
giveaways and lunch for free.
Speaker 1 (06:40):
I love that. It's my favorite. So what we're doing.
Speaker 6 (06:43):
Is on that journey, we'll have credit, we'll have down
payment assistance. We have some awesome lenders that will be
educating on down the down payment assistance products. And as
I stayd with the State Planning class with the Victoria,
we have the real estate investing class, the closing attorney
process and also the real process, So we'll take individuals
on that complete journey to home ownership.
Speaker 1 (07:04):
Wow.
Speaker 6 (07:04):
And even if they're interested into getting into real estate investing,
it would be an amazing opportunity as well.
Speaker 2 (07:09):
Yeah, and beyond, like you said, even the estate planning
as well.
Speaker 1 (07:14):
Yeah. Okay, So how many.
Speaker 2 (07:15):
People do you have registered for it already or do
you have people registered?
Speaker 6 (07:19):
We do currently we have a little over five hundred
and fifty individuals registered.
Speaker 1 (07:24):
Wow.
Speaker 6 (07:25):
Yes ma'am, Yes, ma'am. It's a free event and there's
a need for.
Speaker 1 (07:29):
It, is it?
Speaker 2 (07:30):
Because you guys know that a lot of people want
to buy houses and just maybe have been afraid to
do it or didn't know they have the resources. You
know what I'm saying, The resources, I don't mean money,
I mean resources into as far as what do I
do first?
Speaker 4 (07:45):
Right?
Speaker 5 (07:45):
I think Brown just has a great post on the
needs of the community and for the not real year, it.
Speaker 4 (07:50):
Was so well received.
Speaker 5 (07:51):
It's like we have to do it again and we
have to expand it to make sure that we are
now catering to those needs from last year, but also
building on that. So the need is definitely there. It
is so many resources that I mean, and we just
want to demystify that process. Because you have the experts
which we will have in all of these breakout sessions
(08:12):
to guide you through. It really makes it seamless and
also seems attainable.
Speaker 1 (08:16):
Yeah.
Speaker 6 (08:17):
Absolutely, And this is also part of Pastor Or's vision
taking the holistic approach.
Speaker 3 (08:23):
So with the success of last year, he was like,
we have to.
Speaker 1 (08:26):
Do this again. So yes, I love that.
Speaker 2 (08:29):
I think it's important too, not just for the church,
as far as it's like being God's arms for the
community and giving people something that a lot of people
don't even realize that they can attain. They don't even
know the projects that are out there available to them
because maybe they were afraid or you know what I'm saying,
(08:51):
home ownership is a big deal. Well, you know for
a lot of people it is. You know, it's a
big deal making that step. And even for people maybe
that you know, you've lost a home maybe before and
you had something bad happen. Just because it happened before,
there was something bad happened, but doesn't mean it's gonna
happen again. So don't be afraid to get back in
(09:11):
the game.
Speaker 6 (09:13):
Homeownership absolutely, because the first step to building generational wealth
comes from home ownership. And then with these rental rates
that's out here now, oh my gosh, you can buy
a home for the cost of what you're paying in rent.
Speaker 2 (09:26):
Yes, absolutely, and I don't think people realize that. And
you can get more people into a home generally, you know,
than you can for what you're paying in rent as well.
Speaker 1 (09:34):
You know what I'm saying.
Speaker 2 (09:35):
Say, for instance, you're in a place and it's costing
you two thousand dollars and it's only one or two bedrooms,
you know what, you might be able to get something
a little bit bigger as you know, you know, So
that is yeah, and then the big challenge you guys,
it sounds like you're solving. You're making the process even
better too because you're helping with the realtor aspect of
(09:56):
it as well. Absolutely, yeah, So that turn it all together.
Come on, I love this.
Speaker 1 (10:05):
I love this.
Speaker 3 (10:05):
We're doing our best.
Speaker 1 (10:07):
Yeah, we're doing Yeah. So who should attend this?
Speaker 5 (10:12):
I think what if you are ready to even if
you're not ready to buy at home, if you're interested
in learning to prepare to get you in position, if
you want to network with other real estate professionals just
to learn about the different vendors. We will have vendors there,
so if you are, you want to network with them,
(10:32):
just to learn.
Speaker 4 (10:33):
If you're already in.
Speaker 5 (10:34):
It, if you have a cousin, friend, child, somebody to
get in it. It's just going to be to get
this information for free when people are charging. It makes
no sense why you wouldn't be here taking advantage of it.
Speaker 6 (10:48):
Because the lenders that we have that will be educating
the attendees have a ton of downpayment assistance products that's
available and that's free money. So I tell my clients
and whomever that I know you do not want want
to leave any money on the table if it's there
taking image of those opportunities.
Speaker 1 (11:03):
Yeah, it is the pulse you guys.
Speaker 2 (11:05):
I'm Stormy talking to Tracy and Victoria about this Free
Pathway to Home Ownership housing symposium that's happening at Brown
on September twenty eighth. Yeah, we'll be in Fall by
then too. It's going to start at nine to a m.
(11:26):
I love that you're bringing people in carmeon Egypt Sharad
bringing them in to be a part of this because
I think that you know, people probably watch Egypt on
HGTV that we know Carmeon, many of us, you know,
know about her and what she's accomplished out of the
our community. But to see Egypt and you know the
(11:47):
stuff that she's doing on TV with her husband, the
shows that they have, she know what she talked.
Speaker 3 (11:52):
About absolutely, you know what I'm saying.
Speaker 2 (11:54):
She knows what she's talking about. Is she teaching a
class as well?
Speaker 6 (11:58):
We're actually doing She's one of our main stage presenters, okay,
along with Carmeon as well, and sky Lay Construction as well.
Speaker 3 (12:06):
Okay, so each of will actually close us out.
Speaker 6 (12:08):
So she's kind of she's putting the icing on the
cake for everything, all the events that will take place
at day Yeah.
Speaker 2 (12:14):
Okay, so you guys, your personal experiences will be display
at the Yes.
Speaker 6 (12:21):
Yeah, Victoria as a state, Victoria is doing an a
state planning class. And even though i am the CFO
for Brown Baptist, I'm also a realtor and lender as well.
Speaker 2 (12:34):
Skala Construction Okay, okay, okay, yeah, I'm Stormy again. It
is the Pulse and Tracy and Victoria they're here talking
about their Free Pathway to home Ownership housing some poets symposium.
What's The biggest question that you guys get from people
that want to buy home.
Speaker 6 (12:50):
Oh wow, where do I start my credit and all
that because the first piece that's typically a burial team.
A lot of people don't even credit score. Is that's
or what makes up their credit score? What even impacts
their credit score?
Speaker 1 (13:04):
Or what is a credit score?
Speaker 3 (13:05):
Absolutely?
Speaker 4 (13:06):
And how much can I afford?
Speaker 2 (13:07):
Right that? Yeah, okay, that's another one. So that's like
the what they call that the ratio, the.
Speaker 1 (13:16):
Yeah that you.
Speaker 6 (13:17):
Don't want to be house poor a lifestyle you have,
you want to keep that lifestyle after you purchase a home,
because it's a house that's a debt.
Speaker 4 (13:24):
You will have to pay for.
Speaker 2 (13:25):
And then sometimes you got to think about it too.
Are you going to live there alone? Are you gonna
buy it with somebody else? You know, what are your
think about your options? If you're one of those people
that's like, I cannot afford this, you probably haven't been
to this seminar before.
Speaker 6 (13:41):
We will have something for everyone and once you register,
you have the opportunity to pick up the three classes,
so it will kind of be like a round robin,
but you will just get a little bit from each
of the presenters.
Speaker 3 (13:53):
Of the three classes that you choose. So it's very valuable.
Speaker 2 (13:56):
So we're gonna get a lot of information put in
our hands to absolutely work, a lot of things to
consider and talk about and all that.
Speaker 1 (14:02):
Yeah, yeah, I like this.
Speaker 2 (14:05):
So are are you finding that husbands and wives are
signing up for the seminar as well?
Speaker 1 (14:10):
We do.
Speaker 6 (14:11):
There have been couples, there have been individuals, and you know,
sometimes it's the wife that makes that initial step to
get all the information and then bring it back to.
Speaker 3 (14:19):
The husband and present to the husband.
Speaker 7 (14:21):
Yes, yeah, yeah, Okay, can you guys tell me maybe
about your personal experience buying a house?
Speaker 3 (14:32):
Yes.
Speaker 5 (14:32):
So I am a lawyer by day and also a
realtor as well, and I do a lot of work
in environmental court blight for Shelby County. So I got
into real estate investing in that way, just seeing opportunities
and neighborhoods for homes that just have been or communities
that have been disinvested. And I'm like, okay, we can
(14:54):
turn the chapter on these these properties and make them
income generating through A and B and b's some some
flicks and flips to provide you know, more affordable housing
or just affordable rental housing. So that was kind of
my segue into it. I just saw I've always really
been interested in, really in to real estate, like yeah,
(15:15):
touring houses as a child with my parents. And now
it's just so many ways that you can use it
to build wealth.
Speaker 4 (15:23):
And I have two daughters and a son on the way.
Speaker 5 (15:26):
So now I think, with them in mind, what will
I have to pass down to them? Because I spent
a lot of money, you know, very frivolous things that
have no value.
Speaker 1 (15:34):
How did we all?
Speaker 5 (15:36):
I'm like, I need to shift the focus because I
see colleagues, you know, who have just these portfolios and
how they've leveraged the equity in their homes to do
various other things. Or I was in corporate transactions before
moving into real estate law, so also seeing how they
use real estate to fund completely separate.
Speaker 4 (15:57):
You know, business ventures.
Speaker 5 (15:59):
Yes, Okay, now that I know again I have that
knowledge and that exposure, I would be remiss not to
take it and implement it into my own investment strategy.
Speaker 1 (16:08):
Yeah.
Speaker 2 (16:09):
Like I said, you guys, it's the pulse. Thank you
for joining us. I'm talking to Tracy and to Victoria
about the free pathway to Home Ownership Housing Symposium. Do
you find that people when they decide they are looking to,
I guess, explore their portfolio or have a portfolio? You know,
(16:29):
because I know a lot of people like a portfolio.
I don't even have one, So first, what do we
do to have one? And how do we continue to
grow it? And it is that a part of the
one of the classes for the home buying Symposium, home Ownership.
Speaker 5 (16:48):
Brown has done an amazing job with the real estate investing.
That is kind of novel to our community for people
to focus on that.
Speaker 4 (16:56):
So you have to learn first.
Speaker 5 (16:57):
You have to put yourself in position to just gain
this knowledge so that you can, you know, bite it
off bit by bit.
Speaker 4 (17:04):
So no nobody does it. Start with the portfolio.
Speaker 5 (17:07):
You know, you start with that one and that creates
a domino effect that you have to get in the
room with the people who know and who are willing
to give of their time and expertise. And that is
at the symposium. It's literally on the table. It's on
you to come and get it and take advantage.
Speaker 1 (17:25):
Yeah.
Speaker 6 (17:25):
Absolutely, because the individual that we have that will be
speaking on real estate investing, he has about two hundred
and fifty properties wow, and he does throughout the United States.
He has property in Florida, he has two properties in Hawaii,
New York. So he is he has a tremendous amount
(17:47):
of real estate investing experience, and he's educating everyone on
this process for free, because everything at the Housing Symposium
is free.
Speaker 2 (17:55):
Yeah. You know, back in the day when I got
into it, it was Goodness Sheets.
Speaker 1 (18:01):
I forgot his first name. You're that guy.
Speaker 2 (18:04):
It was something Sheets he had. He was not Carlton,
was it Carlton?
Speaker 3 (18:11):
It might be.
Speaker 1 (18:12):
He was talking.
Speaker 2 (18:13):
About home buying and how to, you know, get into
real estate investing and all of that, and I think
I bought all his books and all of that. I
was gonna say Carlton Sheets, but then I was thinking
about Carlton Carlton Pearson and not the same people. But
it probably yeah, yeah, huh huh, it is Carlton Sheets. Yeah,
(18:36):
I'm looking up right now.
Speaker 1 (18:38):
But he was first.
Speaker 2 (18:40):
Yeah, he was the first person, you guys, and I
believe he's I'm looking at something now. It looks like
he passed away a few years ago, as a matter
of fact, But he was the first person that I
saw talking about that, and everybody took on that model.
But I still think there was something missing that. I
believe that you guys have you know the missing pieces
(19:03):
that and maybe there wasn't anything missing. Maybe I just
missed some of the books because that was all his
career was about, you know, real estate investing in all
of that, and I probably didn't look at all.
Speaker 1 (19:13):
But anyway, I.
Speaker 3 (19:15):
Saw the commercials, I saw the show, and that's how
I purchased the book. Yeah, but we have our very
own cault and sheets.
Speaker 1 (19:24):
That's what I'm talking about.
Speaker 6 (19:26):
The ACE of Real Estate Investment workshop as well. He
is a phenomenal speaker because he actually spoke at the
Housing Symposium last year. And the knowledge that he possessed,
and he's such an amazing individual and he's well rounded
all of that. He left Corporate America. He has an
amazing story. He left Corporate America. That's how we started.
(19:48):
And now he has a tremendous portfolio of property.
Speaker 1 (19:53):
Wow. Yes, wow.
Speaker 2 (19:54):
And who better learned from than somebody who's done it
and probably has made all the mistakes. I can tell
you what not to do, because the one thing I
find that you can't really teach people is how to
recover from the mistakes, that's true. That is usually somebody
who's been through it, you know what I'm saying, that
(20:15):
knows how to recover and how to pull yourself out
of out of that.
Speaker 1 (20:20):
You know what I'm saying.
Speaker 2 (20:21):
And to talk to somebody who has that kind of
knowledge is what you need. And that I'm sure he's
got a ton of stories. He does like that, you
know what I'm.
Speaker 3 (20:30):
Saying, And he's willing to share the knowledge that he
has with the world, with the public.
Speaker 1 (20:36):
And yeah, I'm Stormy.
Speaker 2 (20:37):
It's the Pulse checking in with Victoria and Tracy. They're
getting ready for their free Pathway to Home Ownership Housing symposium.
Speaker 1 (20:45):
It's going to be on September the twenty eighth.
Speaker 2 (20:47):
You guys, I love that you're bringing Egypt, and I
love that you're bringing carmeon and the gentleman that you're
talking about tell me his name again.
Speaker 6 (20:56):
Yes, his name is John Dobbins. His name is John DIBBNS.
And all of this is brought to you by our
wonderful sponsors, our presenting sponsors, Skyllect Construction, and we have
a lot of other sponsors that have been so gracious
to partner with us as well.
Speaker 3 (21:13):
And those sponsors will be on site and we.
Speaker 6 (21:16):
Have different banks, We have the closing attorney, we have
realtors and all. So you can get all of the
information by going to Brown Baptist dot org and registering
for the homeowner Ship Workshop the house.
Speaker 1 (21:29):
Is it a hard registration.
Speaker 3 (21:35):
At all.
Speaker 6 (21:35):
It's very easy, very easy process Brown Baptist dot org.
Select your three classes, hit submit, and we will send
you a reminder the day before the workshop.
Speaker 3 (21:46):
Because it is free, it's free.
Speaker 1 (21:49):
Every launch will be sir.
Speaker 6 (21:54):
Free, along with door prizes, giveaways, everything that you need,
and a wealth.
Speaker 3 (21:59):
Of him information.
Speaker 2 (22:00):
Okay, we got a little bit more time to share
a few more of those things. So nine a m.
We start off with a prayer I know somebody, of.
Speaker 6 (22:10):
Course, we will start off with prayer directives and our
first main stage speaker will be Carmeon Hamilton. Once we
once Carmeon enlightens us with everything that she does, everything
that she's doing, she's doing a lot of plans, she's
doing a lot, and then we'll dismiss and go into
(22:30):
the three classes. Once the individuals come back from the classes,
our second main.
Speaker 1 (22:36):
Stage speaker and what are those classes going to be?
Speaker 6 (22:38):
Those classes credit class, real estate investing, state class, state planning,
the lending class. Wall you said three, we'll see they
can pick.
Speaker 3 (22:53):
Let's go around.
Speaker 6 (22:54):
What we're doing is we're meeting people where they are
because it could be someone that's just interested in real
estate investing, so they just want the real estate invested. Yes,
it could be someone that's say first time home buyer
that needs the full process.
Speaker 3 (23:06):
Which would be the credit class to.
Speaker 6 (23:08):
Know what loan options are out there as far as
the downpayming assistance products. And then we combine the closing
attorney class and the religion class together because that way
you need a good relator because the thing that we
find in both of our professions, being relatives, is that
you have people that fall in love with the house,
but they go about it backwards. They don't know if
(23:28):
they qualify for their home, they don't know how, they
don't even know if they can get.
Speaker 3 (23:32):
That all right, or what their credit is. So we
help them. We'll help them on this pathway.
Speaker 6 (23:37):
So when you register, select three classes that's most important
to you. And we also have a home inspector's class.
So the main thing there is regardless of whether you're
buying new construction or an existing home, get a home
inspection across the board, regardless, regardless, it's important.
Speaker 1 (23:55):
So we will offer that class because you don't ever know.
Speaker 2 (23:58):
That's even if you're listening and you've already gotten through
all you've already gone through all the stages and you're
thinking you're gonna buy the house, don't and you don't
want to get it in You better get that house.
Speaker 6 (24:06):
Inspected, absolutely, because you do not want to. You don't
know somebody else's problem. That's right, that's right at.
Speaker 2 (24:11):
All, because there could be problems even though somebody. Don't
ever take nobody's word. Okay, it's like buying a new cat.
Don't ever take nobody's word for it. You gotta get
that thing inspected. And and the problem you could be
inheriting could be a big problem. Absolutely, and then you
don't even know if you got the money once you
buy it to fix the problem. Yeah, home ownership is
(24:34):
the real deal. But it is attainable. It is possible.
Don't think it's not for you. If it's something you want,
you can do it. You can grow to get wherever
it is you want to go. You know, wherever it
is you want to be. It's like somebody thinking about
marriage and they decide, I'm going to some single classes.
I'm gonna find out all the things I need to
(24:54):
know before I find my bow ass, you.
Speaker 1 (24:56):
Know what I'm saying.
Speaker 4 (24:59):
About it.
Speaker 1 (25:00):
So even if you're not there completely, this is a
good process to go through.
Speaker 7 (25:05):
Yeah.
Speaker 3 (25:05):
Safe place, Yeah, I love that.
Speaker 1 (25:08):
The safe place, I love that.
Speaker 6 (25:10):
And then so if you're renting, you're paying for something
that will never be yours.
Speaker 3 (25:13):
Right, and centrists a thousand percent absolutely.
Speaker 2 (25:19):
Let me tell you some that people y'all already they
already know rent is high.
Speaker 1 (25:24):
It is it's too hot, it's too.
Speaker 2 (25:29):
High, and all of us are affected by that. And
even when things happen in the city as far as
taxes and things like that, you know, even renting, you know,
people think I'm renting, that's not gonna affect me.
Speaker 1 (25:41):
Yeah, will it will? Yeah will Yeah.
Speaker 2 (25:43):
And then think about this for the folks that are renting.
And again it's the pulse. I'm stormy with you talking
to Victoria and to Tracy today about the housing Symposium,
the free, free, Free Pathway to home Ownership Housing Symposium
that they're hosting on September twenty eighth. UH The one
thing about renting you have to remember is that rent goes.
Speaker 1 (26:05):
Up every year.
Speaker 2 (26:08):
It does, but your house payment generally is gonna stay
around the same. And the wonderful thing is you can
you can also you know, if you're a certain age,
you can apply for home exemptions and uh and things
like that that they come on, come on, asset.
Speaker 1 (26:31):
It's an asset.
Speaker 2 (26:32):
It's something that is going to appreciate generally as well.
So you're gonna have something that you can pass on.
And that is one of the how home ownership is
one of the ways that we've created in the black community.
Black wealth is one of the ways that you can
create wealth in your family.
Speaker 1 (26:53):
Absolutely right, you know what I'm saying.
Speaker 2 (26:55):
For those that felt feel like I don't have enough education,
you know how to buy a house, you and you
could create wealth just like everybody else.
Speaker 3 (27:03):
Absolutely Yeah, with good credit. Get your credit straight.
Speaker 7 (27:08):
You know.
Speaker 2 (27:09):
The good thing about that is getting your credit straight.
It takes a little time and some work, but you
can still do it.
Speaker 6 (27:15):
There is a pathway, yes, absolutely, and we're assisting with
that pathway, yes, because we have a wonderful partnership with
Operation Hope. I'm sure in the Memphis area. Everyone has
heard about Operation Hopes, So Operation Hope will be there
doing the credit workshops as well. So once they attend
the credit workshop, they're eligible for a one on one
counseling session and it's.
Speaker 5 (27:36):
Free, right because we know so many people are being
marketed these credit recovery and the monthly subscription services credit
you do.
Speaker 1 (27:48):
Not have to pay.
Speaker 5 (27:50):
It is so many free resources and it's I mean,
it's just a blessing that we're able to bring them
all together.
Speaker 2 (27:56):
I love that you said that. I love that you
said that because a lot of people get trick thinking
they got a page in their a service that you
can actually find in Memphis, in Memphis absolutely free.
Speaker 5 (28:07):
And you know these are confidential services as well, because
we know a lot of people don't want to reach
out because it's like, well I don't want you.
Speaker 4 (28:13):
And my BS or somebody gonna find in my finances.
Speaker 5 (28:17):
And it's like we have to get over that so
we could get to the actual goal and be able
to help you, like we it's just real estate professionals,
you see it all nobody is judging you your situation
and is really there to help you, and you'd be
surprised what other folks have gone through, right that you
think are perfect and they never had anything happen to
them in their lives.
Speaker 1 (28:37):
You'd be surprised, absolutely.
Speaker 2 (28:39):
So don't judge yourself by people that you see because
they outside never tells the story right, not at all.
I love this Brown Baptist Church. They are getting ready
for their free Pathway to Home Ownership housing symposium and
it is September twenty eighth, nine eight M. Tell me
how can people reach out to you again to be
(29:01):
a part of this or get on board, come to
it all that good stuff.
Speaker 6 (29:04):
They can register and register today at Brownbaptist dot org.
Collect your three classes and we will see you on
September the twenty eighth at nine a m. Registration will
start at eight, So start at eight.
Speaker 2 (29:17):
Okay, if we follow y'all on social media and we
got some questions, can we all ask y'all questions?
Speaker 3 (29:24):
Can you can? But just register for the houses.
Speaker 2 (29:29):
Supposed to make it easy and then come and get
all your questions.
Speaker 6 (29:32):
Out absolutely And the location will be at our South
campus and that addresses seventy two hundred Sweeny Road in
South Haven, Mississippi.
Speaker 1 (29:41):
I love it Thank you guys for stopping by.
Speaker 3 (29:43):
Thank you good information.
Speaker 2 (29:45):
It's God's work and thank you for doing it. Thank you,
God bless you, I bless you. All Right, it's the Pulse.
I am stormy. Thank you again, Tracy and Victoria for
coming by. We appreciate you so much. All Right, We're
gonna see y'all next week, same time, same station. God
bless you.
Speaker 1 (30:00):
Have a great week.
Popular Podcasts
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy And Charlamagne Tha God!
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
Decisions, Decisions
Welcome to "Decisions, Decisions," the podcast where boundaries are pushed, and conversations get candid! Join your favorite hosts, Mandii B and WeezyWTF, as they dive deep into the world of non-traditional relationships and explore the often-taboo topics surrounding dating, sex, and love. Every Monday, Mandii and Weezy invite you to unlearn the outdated narratives dictated by traditional patriarchal norms. With a blend of humor, vulnerability, and authenticity, they share their personal journeys navigating their 30s, tackling the complexities of modern relationships, and engaging in thought-provoking discussions that challenge societal expectations. From groundbreaking interviews with diverse guests to relatable stories that resonate with your experiences, "Decisions, Decisions" is your go-to source for open dialogue about what it truly means to love and connect in today's world. Get ready to reshape your understanding of relationships and embrace the freedom of authentic connections—tune in and join the conversation!