April 12, 2025 • 47 mins
Full show from the Donovan & Jorgenson Heating & Cooling Studio: Saturday, April 12th, 2025
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Episode Transcript
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Speaker 1 (00:00):
Oh, Welcome to the Creative Construction of Wisconsin home improvement
show on Fox Sports nine twenty and your iHeart Radio
app coming live from the Donovan and Jorganson Heating and
Cooling studios. Any issues, We're going to turn that AC
on soon. I'm telling you it's coming. Any issues you
have with your HVAC system go to Donovan Jorgensen dot com.
(00:21):
I have Mike McGivern alongside my co host. He's the
owner of Creative Construction of Wisconsin. He's bingo, Emmon's bingo.
How you been.
Speaker 2 (00:28):
I'm doing good. I'm doing good.
Speaker 1 (00:29):
You look good today?
Speaker 2 (00:30):
Well? Thanks?
Speaker 1 (00:31):
Yeah, yeah you can. Nice haircut.
Speaker 2 (00:34):
Well I'm getting already because the NBA. We got a
thing next week. We're going to Des Moines, Iowa, Okay
for a conference. So eddiot cleaned up, so look presentable?
Speaker 1 (00:44):
Well you clean up nice. I didn't think you need
to wear a tucks in this morning, but yeah, it
looks good.
Speaker 2 (00:49):
Oh yeah, well we got we got a high roller
guests here today.
Speaker 1 (00:51):
Yes, yes, yes, we do, yes, we do. Before we
get to her and looking forward to having her on.
The NBA show is still going on this weekend and
next weekend and we have not. My wife and I
are going to get to that that condo in in
uh in Heartland. We have not seen it yet, but
(01:12):
we're gonna get there either today.
Speaker 2 (01:13):
Or last weekend. Last weekend. This is it, this is it.
Speaker 1 (01:17):
Got to go.
Speaker 2 (01:18):
And some of them, some of them been sold, but
they're still on display. You can see them, and it's
it's uh, it's it's really unique. You know. It's all
about developing relationships. When you go there, you want to
develop You want to meet your builders, meet the work
on it because uh, you know, when you when these
people are doing remodeling projects, are building a home, you
get to talk to him every day, like Sarah Jane
(01:38):
Well Testa because I know she financed somebody I know
that called her all the time.
Speaker 1 (01:43):
Yeah, we just talked to him, did we? We just
talked to that boy. He's a good boy. He him
and I got to get out of golf courses here
for sure. I'm talking about your son Zack and I
I thought maybe you'd bring him in in studio and.
Speaker 2 (01:55):
Said, yeah, you're gonna stay work. We're elsehow the NBA
Golf Tours in twenty fourth we're actually sponsoring one of
the holes, and Zach is putting a team together, and
why don't you a beautiful don't you talk to him?
Speaker 1 (02:05):
Yeah? I may. He's got to call me though, you know,
he's got to go through my people to get me
on that team. You know, I now that I started
playing golf a year ago. A lot of laughing, for sure.
The NBA Tour Spring Tour last weekend today and tomorrow
from noon to four. And if you go on their website,
NBA events dot com, just go to NBA go to
(02:28):
the Spring Tour and they have the tour map, listings,
everything that you need, and the pictures of each of
the model homes that you can go walk through, take
a look. They've got condos, they've got lots, they've got
homes anything you're looking for. And if you just want
to go through and get some ideas you're going to
(02:49):
redo your kitchen, there's a lot of options so that
you can go and take a look at these homes.
Our special guests for the entire hour. And we told
her we're just going to introduce her and then you
and I are going to walk out and go for
the hour. She said, please don't do that. Sharah Jane
tryer Bell Bank Mortgage. How are you. It's good to
see you, Good to see you. Yeah, you're busy, Yes,
(03:10):
really busy. I didn't realize the market is back on
fire again very much. What's What's what keeps you up
at night?
Speaker 2 (03:19):
I can't I probably can't say Zach anymore already, So,
you know, I don't know.
Speaker 3 (03:27):
There's it's it's usually a combination of things. But it's
not enough buyers into homes.
Speaker 1 (03:33):
Yeah, but you have enough buyers, more than enough buyers,
have a lot of buyers. Hey, I didn't realize until
we're talking before. One of the big issues right now
is insurance. Like I I didn't know that that was
again I'm out of the market. I right, we have
this condo now in Milwaukee we're happy with and and
(03:53):
I didn't realize that that. Insurance companies right now are
getting a little bit tough.
Speaker 3 (03:58):
Insurance is getting tough. It's getting a little bit more
expensive too, right, I mean the premiums went up in
some cases seventy you know, it was it's been hard.
It's mostly roofs, you know. And I think we've had
a lot of hailstorms. There's been a lot of claims
and so now the theyre leary, they're a little bit
(04:19):
more forgiving than they were and are up.
Speaker 2 (04:23):
And that's what happens. Everything say, it's like free money,
and after a while insurance you're you're paying for it
because yeah, you get they'll give them money back, you.
Speaker 3 (04:31):
Know, and too I think, sorry, just a little plug
for the NBA again here there's a lot of Charlatan
contractors out there that just follow storms, you know, and
then they get people to replace their roofs. Then there's
insurance claims all over the place that probably didn't need
to happen, and now the cost goes up.
Speaker 2 (04:50):
There it was God, it was godso's got more of these.
We actually have, you know, storm chasing laws now because
of all that storm chasing people have had enough flyers
and telling them we're all working for a neighbor down
the street.
Speaker 1 (05:03):
And hey, we were talking about golf through the mcgiverern Agency,
which is my company. Two years ago I went to
play in the Kilman Restoration golf ounding. It's the only
golf unding I've ever gone to that we prayed together before.
And I do another show on this station call Faith
in the Zone that airs Sunday mornings from A to
nine and I met the owner of Kelman and I said,
(05:25):
that was really impressive and thank you for doing that.
And he said, hey, you need to call me because
we need some help with some marketing. And I called
him and he's so busy, and I called him a
couple of times. Then last year I went and he
called me again and said, you got to come see me.
And now the mcgiverern Agency is working with the Calman
Restoration And it's funny how many times I'm at that
(05:46):
office and we have that conversation. You know, they are
it started here, their main office is here. All the
people that work for them are people that we see
every day. And he said, look, that's what's That's just
a part because we are right here and there. When
we get a storm and people want restoration, all of
(06:07):
a sudden, there are people that are driving it from
all over the place. And understand what you're getting into
when that happens.
Speaker 3 (06:14):
Somebody knocks on your door, Hey, I looked at it,
so it looks like you have some roof damage damage.
Speaker 1 (06:20):
Do you know one of the one of the things
that were talked about in the first or second meeting
I was there is there are companies that listen and
monitor fire departments and as somebody's houses.
Speaker 2 (06:32):
On fire, there's a reason why they do that. Wherever
gets the board up, times gets the contract. And they did.
They do that more than you think I've been to.
I've been. I've been a job. I've been to jobs
where I've been called it was like one as well
a while ago on. So I can probably mention this
treating Wisconsin. And I went there right. I was called
by an insurance company right the fire trucks were still there.
(06:55):
They weren't done. They weren't done, and they want to
make sure that we got to mission because ornament the
platf straight. I'm not sure I was available because I
was get the job.
Speaker 1 (07:03):
I mean, you are going through a tragedy as you're
watching your garage burned down, and somebody pulls up and
gives you the card and says, hey, when it's when,
when it stops burning, call me. I just that's very
creepy to me. And that and I talked to the
last person is that person And and and it's interesting
(07:26):
because when we talked about look these stormchaser people calm
and tell me said, look, we we need to we
need to set ourselves apart from that if you want
to if you want to redo it just by redoing it,
but if you want to restore it with the company,
and and I really kind of fell in love with
with kind of their mission statement and who they are
(07:46):
and what they believe. And it was really interesting to
me with the whole insurance thing because that's a big
part of the conversation too.
Speaker 2 (07:53):
You never been to a place inside their shop and stuff.
That's why you see ours. I copied that because the
way they have everything just all labeled, labeled and labeled purpose. Yeah,
just like it's kind of like a NASCAR shopped cleaning horizons.
You know.
Speaker 1 (08:06):
It's the first segment. He brings up.
Speaker 3 (08:08):
Now, how much about car racing? Last week on a
ride to Madison with Bingo, I had no idea.
Speaker 1 (08:15):
Hey, speaking of that. And I'm going to get to
the high school part of NASCAR. We're gonna do NASCAR
racing or car racing soon with high school.
Speaker 2 (08:24):
And what do you say, watch next week, watch Infinia race.
After you go to show. Infinity Race comes on tonight.
Look at those are high school kids that are racing
those cars.
Speaker 1 (08:30):
Really.
Speaker 2 (08:30):
Yeah, most of the you know, they're nineteen eighteen years old.
Speaker 1 (08:33):
I mean for my high school sports show, Sarah Jane.
When when during basketball is over? Right, baseball this week
we're talking softball and baseball. Next week we're talking girls lacrosse.
Two weeks from now, we're talking horses. Yeah, we're talking
rodeo equestrian. And then I've got it Joel huge Joe
(08:53):
par that.
Speaker 2 (08:54):
To tell me about that. You know, Sam was the
captain of the river Falls team, and then Katie I
was the captain for the Marquette my questioning team.
Speaker 1 (09:03):
Oh, I might have maybe I'll have Sham come in.
Speaker 2 (09:06):
Oh yeah, that's our well you have worry about that's
our passion.
Speaker 1 (09:08):
Oh no, oh, I know that. I know that you've
been to her house, right, I've been to her house.
That's awesome and looking forward to that for sure, Sir Jane.
When when people are are now out looking for homes,
are they is it to the point that that where
it was years ago, where there's fifteen bits and and
you're in there and you're you're you're fighting to get
(09:30):
the home you think is your dream home.
Speaker 3 (09:33):
Correct? So I don't know how many I was reading
another realtor's post, and I think they said they had
three listings. It was something like one hundred showings, you
know between those those three homes, and then I've had
my buyers have been up against fifteen sixteen offers on
one house and unbelievable's having to you know, we're kind
(09:54):
of back to you know, what are you willing to do?
For Go the home inspection? Not awesome? You know, pay
the seller's property taxes for the whole year, pay fifty
thousand dollars more. Oh my god, you know all of
that's back in play, and it's an inventory problem, right.
Speaker 2 (10:10):
Well to do with and ask you just I don't know.
Somebody was telling me about the guess I'm going to
you offered a lot of money more than asking Andy
had to guess some kind of insurance about because something
about the appraiser insurance or figured something about the apraisal gap,
the appraisal gap insurance. I'm like, what is this.
Speaker 3 (10:24):
It's not really insurance, it's just money, right, So if
you so, let's say that you you write an offer
on a three hundred thousand dollars house and you it's
it's legit a three twenty five house, because there's a
little game on underpricing and letting the free market take
the price where it's going to go. You know, there's
a little bit of that going on. And so let's
(10:44):
say you buy that house. It appraises at three twenty,
but your offers for three point fifty. That's a thirty
thousand dollars gap, and somebody has to deal with that.
So there's always three choices. When the appraisal is short,
you renegotiate the price, the buyer pays the difference, the
deal falls apart. That's it. Like, there's not a lot
of other options. So it's getting written into the contract
(11:06):
saying if it doesn't appraise at the price I'm offering
to pay for it, I will pay cash for a
difference up to either the whole amount or ten thousand
or whatever. And that's a negotiating point because if the
price has gone outside the market, that's cause for concern
that it could fall apart, right, because that's one of
(11:27):
those three options.
Speaker 1 (11:28):
Right, So.
Speaker 3 (11:31):
Buyers build in a little bit of strength to say
I won't walk away, I'll pay the difference to hear, hey.
Speaker 1 (11:38):
Somebody in your industry, and what is interesting to me,
is you have been your background as a buyer, a seller,
a bar, a closing professional, realtor, and a loan originator.
That sets you apart a little bit, right, So, yeah,
you're always.
Speaker 2 (11:55):
So many people you know that do loans and play bagpipes.
Speaker 1 (11:58):
Right, Well, we're trust me, We'll get to the whole
bag pipe thing coming.
Speaker 3 (12:03):
But I've walked a mile and most everyone shoes, you know.
Speaker 1 (12:07):
And that's it, doesn't that? Do you think that sets
you apart from some of your competitors, because you've been
on every side of the table, on the side of
the table, in the you know, in the chair over there,
in the chair over here. I mean, you've kind of
been at all of those. So I'm wondering if that's
you're always looking for a way to set yourself apart
(12:27):
in the industry you're in, right, I mean, I've look,
I sold radio for a long time, so I've been
on that side of the table and now I'm negotiating.
So I've been on the different a lot of different
sides in your industry. You can deal with somebody who's
been a seller, you can deal with somebody who's been
a bar or a closing professional. But to have somebody
that has worn all of those hats. There's not much
(12:51):
that surprises you in any of these deals anymore, right.
Speaker 3 (12:54):
No, no, But I say that I learned something every
single time. Surprised generally, No new things, absolutely every single day.
And that's one of the great things about the industry
is no two deals are the same. Note to people
are the same, note to transactions. But you're right. And
I had a conversation yesterday with a realtor who said,
you're the only loan officer that I can talk to
(13:15):
who understands what I'm trying to negotiate here right now.
Can you put your realtor head on for a minute,
and so you know, if you were the listing agent,
how would you react to that, how would you you know?
Or whatever? And I was kind of pleased with that.
You know that that's a unique I can bring to
the table for both my clients and my business partners.
Speaker 1 (13:37):
One hundred percent. Hey, you're doing an event coming up
on April thirtieth that I find very interesting. I wish
this would have been done a few years ago when
my wife and I were moving from eighty eighth Street
out to Pewaukee because the idea of downsizing. We were
in the small house sur Jaane on eighty eighth in townshend, so,
(13:58):
imagine how small the house is. I can't believe how
much it held to the point that the guys at
the Milwaukee City Dump I was working for a different
radio station, that I would use that van and they
knew the van, and they would like, walkie talkie, Hey
mcgivern's here, and they would help me unload the van
if they could take things. So I go, anything you want,
(14:19):
do you take it? And I finally said what do
you guys do? And the guy said, and I sell it.
I mean you sure? And I go, yeah, take everything's
got to go to the dump take take anything you want,
and I would get they would unload it. One day,
my wife is going to find out all the things
I threw away that she didn't know I was thrown away.
She's going to say, hey, where is our yearbook from
high school? We'd haven't looked at our yearbook in thirty years. Yeah,
(14:42):
it's online. It's somewhere. So the whole idea downsizing. On
April thirtieth, this event is really interesting. One of the
big sponsors is a company called smart Moves and Melinda
Stewart is the owner, and I'm a big fan of hers,
by the way, I think she does a phenomenal job.
But there you've got i don't know, fifteen sixteen different
companies that can help people when they're looking to downsize.
(15:06):
And we talked about this before we went on the air,
and you said, look, some people, you know, they've got
kids that a little bit older and should be maybe
moving out soon, and they don't see that happen anytime soon.
And the idea is, look, we want to downsize, and
we're not quite sure how to do it. This event
and it's a free event on April thirtieth where people
(15:28):
can come and just get some ideas on what's the
best way that we can downsize because it's such a
big project. And you rolled your eyes. I had no
idea and you just go through it and you just
do it. But at the end of it, it's exhausting,
it really is.
Speaker 3 (15:46):
It is, and it's so emotional, right, that's probably the
hardest part of it. Going to the closing professional side
of my career. The hardest closings were the couple who's
been living in that home for sixty years or seven
into years and their kid's height is on the door
jam and they're having to move out, you know, and
the tears and the heartbreak, and it's like, oh my god,
(16:08):
this is the worst part of my job.
Speaker 2 (16:11):
But you know what that person moves in here is
going to paint over. Well, for sure, you have your
own family.
Speaker 3 (16:16):
But the so the downsizing work shop thing. I actually
wrote a workbook for this in twenty nineteen before COVID,
and I was planning to kind of embark on this journey.
But then COVID hit and everything changed. People's homes the
definition of home changed. It now became my office, my
kid's school, multi generational living because mom and dad are
(16:39):
still kind of close and have the big house and
they can take the kids to do homeschool. Well. I
try to work at home and do meetings. And then
all of a sudden, home was different. Well now we're
five years out on that and some of it's returning
to Yeah, I was going to buy a condo in Arizona.
I wasn't going to be doing this anymore, you know,
or face it, the baby boomer generation, which all of
(17:03):
us are a part of, we're just getting older.
Speaker 1 (17:05):
For Spencer except for Spencer. Yeah, Spencer's the young pup here. Yeah,
that's okay.
Speaker 3 (17:10):
But you know, all of a sudden, it's like, there's
going to come a day where we're not able to
maintain those homes anymore, you know, So that's going to happen.
But interestingly, I have a lot of clients who are
forty fifty years old who are like my parents, don't
know what to do, and I don't know how to
help them.
Speaker 4 (17:28):
You know what.
Speaker 2 (17:29):
In fact, it's interesting something because I look at a lot
of people's homes on a lot of my customers. They think,
but a lot of people still have their bedrooms set
up for the kids, and they haven't been here in
twenty thirty years, it's true, and they're set up just
like they're going to come home tomorrow.
Speaker 1 (17:44):
Well that you know, if my kids just you know,
if my kids are listening.
Speaker 2 (17:51):
You remember we had a guy from the sauna, so
Katie's roomy, that's my sauna room.
Speaker 1 (17:55):
There you go. I'm going to ask my son in
law John and my daughter in law here, do not
leave my kids because they're not moving back with me.
I love the fact that this event is a free event,
and when you have thirty forty year old people going, look,
I don't know how to do this for my parents,
(18:15):
we have to start having that conversation. And the best
way to do it is to come with information. Right
if you want to go to your parents and say, look,
I know we've talked about downsizing and none of us
know how to do it. But here's an event April
thirtieth from four thirty to six thirty at Remax in
New Berlin. It's five thousand South Town Drive in New
(18:38):
Berlin at the Remax Forward office and you can come
in and you can talk to again Melinda Stewart from
Smart Moves, so you can talk to Sarah Jane from
Bell Bank Mortgage, and you can talk to Mandy Miller
from Remax, along with a number of people from a
state planning to senior living, to medicare specialists, professional organizers.
(18:59):
You know what you know? Who would you know who
would be at this event? Your dad, oh Al would
be here, This is this.
Speaker 2 (19:08):
Love that neighbor all over that.
Speaker 1 (19:10):
Love that neighbor would be at this event to say hey,
look we can help as well. Sure, Jane, We're going
to get to a break other side of the break.
A number of things I want to talk to you about,
and one is if if if people are looking to
build Bell Bank is perfect, but if people are looking
to remodel.
Speaker 3 (19:26):
Bell Bank is perfect.
Speaker 1 (19:27):
That's what we're going to talk about.
Speaker 2 (19:29):
She I mean, I'm telling you Zach checked around, right,
I mean, yeah, Zach is you know he's yeah, and
he checked around.
Speaker 1 (19:37):
So if I had gave you a dollar for every
time Zach called you during the process, would you know
what if Zach had a dollar for every time my
wife called him for when we needed him, he would
he would buy something as well.
Speaker 3 (19:54):
Zack had a lot of questions and luckily I had
a lot of answers.
Speaker 1 (19:58):
Well, every time I try to do a whole improvement
project on my own and we do a commercial about that,
it is and my wife has Zack's number on speed dial,
sure and good resource.
Speaker 3 (20:09):
He just was at my house doing touch pointing and
concrete work.
Speaker 1 (20:12):
He's you know what, he's the best. He's the best.
Now he done hit a golf ball as well as
I do. However, we'll talk about that. That was two
years ago. Yeah, Oh, trust me, you know what, all
of a sudden, he's gonna be text me going, all right,
big boy, let's play today or tomorrow. She is Sarah
Janetryer again Bell dot Bank if you if you go
(20:33):
to Bell dot Bank, or the better way to do
it is is if you google Sarah Jane Tryer t
R I E R. You get just a beautiful picture
of her and a little bit about her and a
little bit about her personal life too. Because Great Highland
Bankpipe her husband published a tutorial of Helllander music big
(20:56):
Time in the bagpipes. In fact, I showed her a
video of bagpipe people at the Saint Patrick's Day party
that I was at at my friend Brian Kleisman's house,
and you were like, oh, I know them. I see
them every Tuesday. They were so good, by the way,
they were so good and right in the middle of
the of his Saint Patrick's Day party and they come
every year down to the East side of Milwaukee, and
(21:17):
he's got an Irish pub in his garage and it's
packed and people stop what they're doing for the fifteen
minutes where they come and play, and it was just awesome.
Speaker 2 (21:26):
Well, we do Saint Patrick's Day praying and we're easy
to find because everysing greeting except.
Speaker 1 (21:30):
For you guys. It's like a Christmas thing. I'm sorry
you bring the red and that's awesome. This is the
Creative Construction Wisconsin home improvement show on Fox Sports nineteen
twenty and your iHeart Radio app. Hold on, Sarah Janel.
What does it called?
Speaker 3 (21:46):
Thanks?
Speaker 1 (21:47):
There you go. That's our bumper music for today. Thank you, Spencer.
Welcome back to the Creative Construction with Scas.
Speaker 2 (21:53):
This is also educational show too, because use them education.
Speaker 1 (21:57):
YEA love songs. This meet is Sarah Jane A Trier.
Speaker 3 (22:01):
Would be amazing.
Speaker 1 (22:02):
There you go. I was saying her last name wrong.
Rhymes with beer. You think it'd be Yeah, it'd be easy.
Sarah Jane A Trier. Bell Bank Mortgage Sarah Jane When
when we had talked during the break, how much do
you guys work in the remodeling space to help people
get their homes remodeled and are more people doing like
(22:24):
a second mortgage an equity line? What does Bell Bank
do for that? And how big of your business is that?
Is it ten percent? Is it fifty percent?
Speaker 3 (22:34):
Is it probably a smaller amount Because a lot of
people have cash, they wait till they have cash to
do the programs. The thing is they don't have to write.
So one other thing that this crazy real estate market
has provided people is a lot of equity in their homes. Right,
So home equity loans because they've got you know, maybe
one hundred thousand dollars that they can pull out and
(22:54):
use that they're at their discretion is a very popular vehicle.
I do ton of those. But then we also have
a remodeling actual remodeling loan program, which is fantastic.
Speaker 1 (23:06):
How does that work?
Speaker 3 (23:07):
So it can work for a purchase or a refinance.
So if you already own your home and you have
a mortgage on it, or you don't, we can do
a loan where we it's like a construction loan where
we refinance your mortgage and then say all right, let's
have your plans. You have to work with a general
contractor you can't do this by yourself. Okay, So let's
say that you call a construction company. Here's my plans.
(23:29):
I'm going to do a seventy five thousand dollars edition
or whatever. Then we get the appraisal and say will
the house be worth that when you're done with it?
And then the answer is yes, we close on the loan,
the money goes into an escuer account, you have twelve
months to get the work done with the contractor, and
then you just it's in your mortgage.
Speaker 1 (23:48):
Did you find that a lot of people And this
was years ago that we had this conversation on this
show on a different station, but it was were people
that were that they bought what they thought was their
starter home and now they're they're in the process of
of of having kids, but they don't want to move
out of the neighborhood, love the neighborhood, love the school system,
(24:11):
and instead of of now buying another home, they're they're
they're building on and and they're either going up or
back or out.
Speaker 2 (24:19):
People doing that, I mean, I see it all the
time because you know, I work into old homes. Right,
they get a house and they build it twice three
times the size some of these homes. People.
Speaker 3 (24:28):
I mean, that's really what you're buying when you're buying
a home. And so one of the things that people
say is, oh my gosh, I have four percent. I'm
not refinancing into current rates, but the bottom line is
if you don't and you're going to move, you're going
to pay those rates. Anyway, you know, and you can
always refinance if they come down, so you know, rates
aren't forever well.
Speaker 1 (24:47):
And I used to work with a lot with Adam
Deputy who's in the mortgage business, and he would say,
marry the house, date the raid, and and that was true.
How with the rates coming down not this week. This
week they went up. Yeah, And and in fact, it's
(25:07):
been a little bit of a crazy week for you right,
insane people freaked out by that.
Speaker 3 (25:13):
A little bit. Not really. I mean, we're kind of
back to where we were in February, so it's not
like we're in uncharted territory. And the feeling is that
it'll settle down again too, you know. So we're really
in If you look back at the last fifty years,
we're at the average rate for thats toss them out.
We're right in the.
Speaker 1 (25:33):
Middle, right in the middle.
Speaker 2 (25:34):
And when the rate jumps up, there's different people that
are happy about that because now they've got a chance
to get a house. Because people all our rates are
too high, we're not going to make any offers on
a house, and sometimes people take advantage of that they
can get a house.
Speaker 1 (25:46):
Hey how much first time home buyers lots lots what
people are always afraid of the credit? Right? How how
am I going to go with that? Did you find
that that younger people nowadays have better credit ratings or
is it still kind of where you just got. You
(26:07):
got to make sure that it doesn't have to be perfect,
but it's got to be a little bit clean.
Speaker 3 (26:12):
Right, Yeah, it has to be very clean as a
matter of fact to there's a range of credit scores.
And you're right, most people are afraid when I will
get a younger first time buyer. They'll say, you know,
I was supposed to call you last year, but I
was just terrified. I'm like, yeah, but if you don't know,
then you don't know what you're afraid of. Right, And
everything was fine, so you didn't need to be afraid
at all. We have a lot of different programs to
(26:35):
help a lot of different people. So that's the nice
part of that life happens, you know. So yesterday I
had to have a conversation with somebody and say, I
can do your loan, but you're going to not have
a lot of money left over, and this payment's way
at the top end of your range, and I'm going
to take my loan officer hat on and put my
(26:57):
friend hat on. I don't know this person, I've never
met them, right, but just said if you were my friend,
I would tell you to go home and think really
hard about this, Like I don't know, you know, and
I'm talking myself out of a paycheck. But I also
don't want them to fall on hard times. So you
have to be very mindful of how things happen.
Speaker 1 (27:17):
You know, how long does it take to get it
cleaned up?
Speaker 3 (27:20):
It depends what it is, you know. So if it's
late payments, you just got to let those kind of
age out. That can take a couple of years, you know,
if it's a lot of them. If it's one or two,
it might not really matter much. But really there's three things.
There's what is your credit limit and how much of
it have you used? And if it's more than thirty percent,
there's a dang for that. So if you can maintain
(27:42):
thirty percent or lower on your credit card balances, perfect
how long do you keep the accounts open? So even
if you pay it off and you're like, oh, I
paid off that card, I'm going to get rid of it,
don't close it because the longer it's open, the more
it serves you, and then do you pay your payments sometime?
And if you don't, then that's problem.
Speaker 1 (28:02):
Do you know? It's it's it's interesting that the fear
side of it. It really is. And there's a lot
of different parts of your life where people won't go
to the doctor because they don't want to know. Well,
my wife's a nurse and like if I sneeze, she
wants me to go get looked at, right, And there's
a blessing that occurs to that right of that part
(28:24):
of it. But I think that the mortgage side of
it and the credit rating part, what credit rating are you?
Are you comfortable with? Where do you hope people are?
Speaker 3 (28:33):
Help people from six twenty all the way up to
the top. So six pot twenty is a pretty low
score side that's going to be a little challenging. And
there's one or two programs that we can help FHA
some other things where life gets easier for the gets
less expensive I should say for the bar because the
higher the risk, the higher the rate, the higher some
of the other costs. Is probably around seven forty really,
(28:56):
and that number used to be six eighty, So it's
really it's going.
Speaker 1 (29:03):
It's is that the first thing you do when you're
when you're when you're starting to work with a new couple,
is that is that kind of like right off the
jump where you let's find out where they're at.
Speaker 3 (29:13):
No, because credit reports are expensive and and so it's
like I look first at where's your income? You know, like,
have you been on your job two years? Are you
self employed? Do we have like before we do anything else?
Do we have the income partment? And I don't know
if it's enough income, But I just let's start there.
If you just started your self employed business last month,
(29:35):
I'm not going to pull your credit report, right I
check all that out first. I have people apply, I
look through the whole thing, I give them a call,
and while I'm on the phone with them is generally
when I pull the credit report, just to make sure
their timeline lines up and everything else.
Speaker 1 (29:49):
Yeah, how hard is that conversation when you have to
say to somebody, look, I just don't think that we
can do this right now.
Speaker 3 (29:56):
It's tough because you're kind of taking someone if they
were afraid you validated it right, and then if they
really had their heart set up and they're so excited
waylaying it, but there's there's a very helpful way to
do that. I always tell people I'm not going to
tell you no, but I might tell you not today,
and then we make a plan.
Speaker 1 (30:16):
Do you know when we when Terry and I, it
took me a couple of years to convince my wife
to sell. And it was like in those two years
when every house in the neighborhood was like it went
a for sale sign went up and they had three
offers next day. And when that burst is when my
wife said, yeah, maybe we should move. So it was like,
(30:38):
come on. So we put our house up and we
started looking and I found this condo in Pewaukee that
was perfect, and we put it. We put a bit
in and we didn't sell our house in time, and
so I thought we lost it, and we didn't. And
we were able to then renegotiate a price a little
bit lower than what we had offered a couple of
(30:58):
months prior and still were able to get it. But
we didn't. You know, I'm not sure we took the steps,
the correct steps. In fact, we made a change with
our realtor, and the new realtor like moved it along
really quickly, and I was very happy with the way
it worked. But because this is the first time we'd
(31:18):
ever sold the home we were a boy, it was
a lot of sleepless nights because we didn't know if
we could sell it. We didn't get any offers, and
then we thought we lost it.
Speaker 3 (31:28):
We did, yeah, And so one of the things that
we right away look at. Not buyers are not going
to be competitive if they have to write condition on
the sale of their old home, right because that's so
many buyers. But if you own a home already, one
of the first things that we're going to look at
is can you float two homes, even if it's for
(31:50):
thirty or sixty days, you know, and without breaking the bank,
without putting yourself in a difficult situation. And if you
simply can't, which is okay, it's not a terrible thing,
right you know, then we just have to strategize with
the realtor how we're going to do that, you know.
But if you sell too fast, you may not be
able to find a place because it's so competitive. It's tricky.
(32:11):
It's all tricky, it's all people's lives, and it's all supers.
That's what you've got to have good partners say.
Speaker 2 (32:18):
What a person should do, because I just went through
with one of my workers. Is before you, you know,
said while we're looking at buying this house, looking at
doing that this house, you cannot make an offer to
purchase the house. Do you got letter from your bank
saying you can? That's true and most people don't know that.
They find out the hard way that they spend all
days looking at stuff. They look at stuff and guess what,
you got a letter from your bank. No, you've been
(32:38):
wasting your time.
Speaker 3 (32:39):
So won't take you out anymore without I mean even
in the nineties when I was selling real estate, like
you're not getting my.
Speaker 2 (32:44):
But when you see an I'm just saying that because
when you see an open house and then these contingencies.
I was just looking at the house in Greendale, right
and I'm looking at the you know a chimneys are
falling down, so I'm looking at it and people are saying, well, oh,
I see you're over here looking at it. That means
they got an offering us house. Yeah, do you know
if it can tigeons on the sale of their home
because some homes, like in Tulsa and green those things
sell so fast, so fast, right, yeah, so people, look,
(33:07):
they want to know if there's contingencies on it because
they've only got listed a day before. You know, then
someone's being offered and then I'm over there looking at
the chimney.
Speaker 3 (33:13):
Because if there's a contingency, someone else can write an.
Speaker 1 (33:16):
Off right, And.
Speaker 2 (33:18):
That's what and that's that's what the guy was literally
asking for.
Speaker 1 (33:21):
When with with ours, we had a number of people
that came through it and and they gave us time
so we got out. But then there was one where
they gave us like a five minute notice that they
were going to come through it. And Terry was very
upset with it, by the way, and I was like, no, no,
this is good because if they.
Speaker 2 (33:40):
Can't answer, you answer to your underwear anything.
Speaker 1 (33:43):
No, no, But I made it and I was there
and I was actually walking garbage out and the guy
was like, look, I'm really sorry, but we're just a
couple of minutes away, and I said, no, no, that's okay.
And they brought a child, like a five year old,
and I said, look, when when you go in the basement,
there is a thing that I use for boxing, for boxing,
and every kid gets a little afraid of it because
(34:04):
it's like a half first and I said so, and
the guy goes, oh, all right, thanks for the heads up,
and they went downstairs, and by the time I got back,
the kid had my boxing gloves on and he was
punched in the thing. I thought, okay, we're okay with that.
And then I walked them through because we knew what
the why people weren't putting offers in and I explained
that to them, and those are the people that bought
(34:25):
the house, and I thought, if I'm.
Speaker 3 (34:28):
Taking a pass on that showing though.
Speaker 1 (34:30):
Yeah, I'm glad we didn't. I'm really glad we didn't
our special guest for the entire hour. And she is
just the thing that's impressive to me with Sarah Jane A.
Trier is that when when you talk to somebody who
is a seller that's great, a barer right okay, clothesing
professional really, and a loan organizer. And she's done all
(34:51):
of the originator she's done all of it, and so
when she can take one hat off and put the
other hat on, she has kind of been all part
of this industry. And this event that they've got coming
up on April thirtieth, it's Wednesday afternoon evening four thirty
to six thirty Wednesday, April thirtieth, It's a free event,
Downsizing Resource Fair. I love it Your Future, Your Way,
(35:14):
which I really think.
Speaker 2 (35:15):
I would recommend if you go to that, come there
with the list because you're going to forget some of
the questions that you need to ask.
Speaker 1 (35:21):
One hundred percent one hundred percent And one of their
sponsors is Melinda Stewart. Here's a friend of mine. Smart
Moves and those kind of companies that can help you
as you're thinking about downsizing. What are the steps you need?
And certainly Sarah Jane can can answer a lot of
questions and introduce you to a number of the people
(35:43):
that are going to be at this event. It's a
Downsizing resource Fair on Wednesday, April thirtieth, five thousand South
Town Drive in New Berlin at the Remax Forward Building
again in New Berlin April thirtieth, from four thirty to
six thirty, will continue our conversation with Sarah Jane Trier
from Bell Bank Mortgage on the other side of the break.
(36:05):
This is the Creative Construction of Wisconsin Home Improvement show
on Fox Sports nine twenty in year iHeart Radio app.
Welcome back to the Creative Construction Wisconsin home improvement show
in Fox Sports nine twenty in yr iHeartRadio app as always,
coming live from the Donovan and Jorganson Heating and Cooling Studios.
I'm Mike McGivern alongside my co host. He's Bingo Emmons.
(36:28):
He's the owner of Creative Construction of Wisconsin, and our
special guest, I just spit all over the mon Sorry
about that, guys.
Speaker 3 (36:37):
Something you have your own.
Speaker 1 (36:38):
Sarah Jane Trier Bellbank Mortgage. Go to Bell dot Bank
or better yet, if you google her Sarah Jane Trier
t r I e er Bell Bank Mortgage and you
can get all the information you need from her. Before
we get into a couple of things with Creative Construction
Wisconsin that we were talking about during the break stepping
(37:00):
Stone the Saint Jude House. I know that you're pretty
good friends with Evan Jen. The building's coming along pretty nicely.
Huh Yeah. I'm excited about that. What a great idea.
And they've been do they do this in a couple
of different areas throughout the country, but first time they're
doing it here and they're building a house through stepping
stone and the money the profits are going to go
(37:22):
right to Saint Jude. Correct.
Speaker 3 (37:24):
Yes, And it was really amazing to be at their
launch meeting. It was a breakfast meeting in Brookfield. It
was snowing that day, so a while ago, and they
had gathered all of their sort of contacts for contractors
and everything, and they had a big sign up board
and everybody went and said, here's what I can donate, time,
materials and things like that. And I went up to
(37:47):
the owner of stepping Stone and I said, I don't
have any materials to donate, but I have two hands.
So when you need contractors fed for lunch or breakfast
or whatever, give me a call and we'll come and
feed everybody. But it's really an amazing project and the
home will be beautiful. It'll be open at the parative homes.
Speaker 1 (38:06):
Here I've seen and thank you for showing me the
video of of your home Creative construction, the nice job
fixed in your front stoop and your landed stone steps
on your house. You've used Creative Construction Wisconsin. I've used
these guys a ton and boy, I love the fact
(38:27):
that that you know, we've we we have this group
of people that we can call when we need help.
And certainly the work that they did, and you showed
me the pictures what they spend a little time out
at your house, and certainly the landed steps at your
house are just done beautifully. You guys do a lot
of work together with Creative Construction Wisconsin.
Speaker 3 (38:49):
When I need to for my personal stuff. But certainly
sharing their information to all of my contractor or all
my friends. And you know, it's nice because people buy
a home and they're like, we I don't know how
to do this, and.
Speaker 2 (39:01):
And then you know, and then but yeah, but she
but she paid for it because she had to help
Zach with his with his new home.
Speaker 3 (39:08):
I said, I've been walking around with a blank check
to pay you for two weeks now.
Speaker 2 (39:12):
But uh, yeah, because because Zach was Zach was hot.
You know, he's high mainten his customer eye have met.
Speaker 3 (39:18):
Oh no, he was fine, He was fine.
Speaker 1 (39:20):
Do you know that microphone that keeps moving? You can
blame the guy who's sitting between us.
Speaker 2 (39:25):
It was stuck.
Speaker 1 (39:26):
Did you break No, it was making a sound. So
he came and fixed it. But he fixed it too well,
so now it starts. It never it wouldn't move, but it.
If you did try to move it, the sound was
really loud, and in typical Bingo Emmon's fashion, he goes,
I can fix that, went out to his truck, came
back and now the thing kind of moves and and
(39:47):
it's very funny. You got one spot it can stay and.
Speaker 3 (39:50):
And uh, I won't move.
Speaker 1 (39:52):
Yeah, you cannot move. You can't. Hey, when when you
guys started talking about doing the Downsize and Resource Fair,
and that's one of the reasons we wanted you to
come in because in April thirtieth and four thirty to
six thirty, this Downsizing Resource Fair that you have really
put together and with a lot of different people and
(40:12):
the idea behind that. With the book that you wrote
pre COVID on this, you saw that there was a
niche was it because people were constantly asking you questions
about look at this this idea of downsize and scares
me and I don't know where to start.
Speaker 3 (40:29):
More of their children. But I made three long distance
moves in the last fifteen years, and I was like,
this is what it feels like. So like one of
our moves, we had a big rummage sale, you know,
because we were moving from Niagara Falls Ontario to Tucson, Arizona.
So that's a big distance, right, huge can't take a
lot of stuff. And so we had a couple of
(40:50):
weekends of garage sales and then we're like, what do
we do? So we actually had an estate sale company
come and give us a bid on the contents of
our house and then they came and took it and
gave us a check. It was the most insane thing
I've ever lived through. But it was super daunting and
I'm like, this is exactly the process that people have
to go through when they're downsizing, and it's it's sad.
(41:11):
I mean, you're looking at things for your your whole
life are sitting there and you're like, I'm going to
give this to somebody else, you know. So I felt
like I had first hand experience on how to eat
the elephant, so to speak.
Speaker 1 (41:24):
Well, and that's a big one bite. Yeah. I And
look that keeps me. I had asked you in the
first segment what keeps you up at night? That part
of the process kept me up at night. And the
first step for my wife was, look, I'm not putting
this this house up for sale unless it can pass
an inspection. We had Kernel Electric come out. We had
(41:46):
Donavan j Organs and Eating Cooling come out. We had
Big o'lements come out. We had a bunch of people
from Creative Construction. Chris Mancuso came. Put the beams up
in the basement.
Speaker 2 (41:56):
Bring us up a brilliant Did I have radio app?
I listened to you right now live at the Indie
race that's coming on in a couple of hours.
Speaker 1 (42:02):
Tell them watch it. I'm supposed to lie on this.
Speaker 2 (42:06):
The safety team is listening. You said, we're listening from
Long Beach. I'll let you know that this is this
is like Florida, guys.
Speaker 4 (42:14):
This show is all over the country. Loans in Florida.
This is long Chane Truer can do loans in Florida.
So guys, yeah, look it's a different animal. But trust me,
she knows that.
Speaker 1 (42:28):
She knows that when you talked about taking a bite
out of that big elephant, that what a perfect analogy
because it is it's daunty.
Speaker 3 (42:36):
Baby steps, you know. And so the whole workbook is
think about what is it that you want in your life,
what is it that you need in your life? And
then it just kind of is like just take it
a little bit at a time in some places, to
make notes, write down your goals, write down your dreams,
create the life that you're going to go to, and
(42:57):
then how do you prioritize this that you need to
take to get there. It's really nothing super fancy, but
it just do you're an organizer.
Speaker 1 (43:06):
Do you ever feel like you know all the hats
and we've talked about all the hats that you've worn,
so you've sat at every side of the table, one
that you don't have on your profile. Do you ever
feel like you're kind of like doctor Phil too, right,
that whole part of Look, you've been through this a lot,
but there are people that this is the first time
they've been through this, and the nervousness and to be
(43:27):
able to have a calming influence to say, listen, I've
been through this a thousand times. Here's what's going to happen.
You've got to be able to just take a breath
and let's get through this together kind of thing. Yeah.
Speaker 3 (43:41):
Absolutely, And part of that is it's I feel good
about that, you know, like if somebody gets situations can
get a little wild and crazy, you know, and I
have to be the calm water under that. And that's
something that I've worked very hard to be good at.
Speaker 1 (43:56):
The phone call that you get to make to tell
that somebody you got it.
Speaker 3 (44:02):
I don't get to make that, you know, the realtors.
The realtors make that phone call because they know first, right,
So they do that, and then I usually get a
text and then I immediately you know, text or call
or whatever, and and it's the big woo whoo and
now it's okay, here we go.
Speaker 1 (44:18):
And they also make the call saying you didn't get it. Now,
let's have got a couple other options for you in
the same neighborhood, different styles homes, but let's take a
look at those.
Speaker 3 (44:27):
So yep. And and I'm probably a fatalist a little bit,
but I think that things work out as they should.
And so it's just like, okay, well we're ready for
the next one. Don't be discouraged, and you're going to
learn something at every single time.
Speaker 1 (44:40):
Hey, how different is this industry that you're in now
than compared to where when it was when you started?
Speaker 3 (44:46):
Oh my god, Well I started in real estate in
the eighties, so that was pretty miserable right when you.
Speaker 1 (44:51):
Were four four years there, I was four.
Speaker 2 (44:53):
Yeah, no, no, but in kindergarten.
Speaker 1 (44:56):
She was in kindergarten.
Speaker 3 (44:58):
No kids on the foot adult but no, really, it's
been up and down, up and down in and so
I actually just sent somebody a text yesterday with that
emoji with the cowboy hat going just another rodeo, because
it really it's it's been a lifetime of experience.
Speaker 1 (45:15):
We didn't have time today, but the Big Pipe Place
is where people can google, right you and.
Speaker 3 (45:21):
Your Pipe place dot com?
Speaker 1 (45:22):
Yeah, Big Pipe Place dot com. And and trust me,
if you you want to talk mortgages, you want to
talk about remodeling, you want to talk about homes, how
to how to get alone, I Sarah Jane is the
perfect person you want to talk about bag pipes. Her
and her husband can talk to you about that as well.
It's so good to see you.
Speaker 3 (45:42):
Good to see you.
Speaker 1 (45:43):
Let me come back you bet happy spring. I know
you're going to be busy.
Speaker 2 (45:48):
And don't forget on Fox Network. The race is on today, right, Yeah.
Speaker 1 (45:52):
Yeah, who do you?
Speaker 3 (45:53):
Who?
Speaker 1 (45:53):
Are you? Any favorite for you?
Speaker 2 (45:56):
We always well for the Infinity Race. Will always go
for Sammy Mayor you know a local guy.
Speaker 1 (46:00):
Yep, that's who I was looking for to see.
Speaker 3 (46:02):
I did thought this whole high school thing. So wait
till I get home and tell my husband because he
watches the Yeah, I don't know when everything iad he does. Yeah,
I don't know what it is. He grew up in Virginia,
you know.
Speaker 2 (46:16):
And southern is maybe.
Speaker 3 (46:20):
That guys chopping cars and everything else. So when I
tell him this a high school sport, I think he's
going to be pretty.
Speaker 1 (46:25):
Yeah, we're gonna do it, and I'm gonna ask Bengo,
We're gonna do some something on it during my high
school show. Not today. We're talking Germantown softball, Germantown.
Speaker 2 (46:34):
Base at an ask David greenlad and call in and
then he doesn't say anything. I can talk though, Yeah,
I got nothing.
Speaker 1 (46:43):
I got nothing. Why do you turn left? That's my
only question, Sarah Jane.
Speaker 3 (46:46):
It's good to see you can keep turning left and
go in a circle.
Speaker 2 (46:50):
When you turn right is when bad things happen there.
Speaker 1 (46:52):
It is. You heard it. He's Bengo Evans. This is
the Creative Construction Wisconsin Homiproven Show on Fox Sports ninety twenty.
Your iHeartRadio app
Oh, Welcome to the Creative Construction of Wisconsin home improvement
show on Fox Sports nine twenty and your iHeart Radio
app coming live from the Donovan and Jorganson Heating and
Cooling studios. Any issues, We're going to turn that AC
on soon. I'm telling you it's coming. Any issues you
have with your HVAC system go to Donovan Jorgensen dot com.
(00:21):
I have Mike McGivern alongside my co host. He's the
owner of Creative Construction of Wisconsin. He's bingo, Emmon's bingo.
How you been.
Speaker 2 (00:28):
I'm doing good. I'm doing good.
Speaker 1 (00:29):
You look good today?
Speaker 2 (00:30):
Well? Thanks?
Speaker 1 (00:31):
Yeah, yeah you can. Nice haircut.
Speaker 2 (00:34):
Well I'm getting already because the NBA. We got a
thing next week. We're going to Des Moines, Iowa, Okay
for a conference. So eddiot cleaned up, so look presentable?
Speaker 1 (00:44):
Well you clean up nice. I didn't think you need
to wear a tucks in this morning, but yeah, it
looks good.
Speaker 2 (00:49):
Oh yeah, well we got we got a high roller
guests here today.
Speaker 1 (00:51):
Yes, yes, yes, we do, yes, we do. Before we
get to her and looking forward to having her on.
The NBA show is still going on this weekend and
next weekend and we have not. My wife and I
are going to get to that that condo in in
uh in Heartland. We have not seen it yet, but
(01:12):
we're gonna get there either today.
Speaker 2 (01:13):
Or last weekend. Last weekend. This is it, this is it.
Speaker 1 (01:17):
Got to go.
Speaker 2 (01:18):
And some of them, some of them been sold, but
they're still on display. You can see them, and it's
it's uh, it's it's really unique. You know. It's all
about developing relationships. When you go there, you want to
develop You want to meet your builders, meet the work
on it because uh, you know, when you when these
people are doing remodeling projects, are building a home, you
get to talk to him every day, like Sarah Jane
(01:38):
Well Testa because I know she financed somebody I know
that called her all the time.
Speaker 1 (01:43):
Yeah, we just talked to him, did we? We just
talked to that boy. He's a good boy. He him
and I got to get out of golf courses here
for sure. I'm talking about your son Zack and I
I thought maybe you'd bring him in in studio and.
Speaker 2 (01:55):
Said, yeah, you're gonna stay work. We're elsehow the NBA
Golf Tours in twenty fourth we're actually sponsoring one of
the holes, and Zach is putting a team together, and
why don't you a beautiful don't you talk to him?
Speaker 1 (02:05):
Yeah? I may. He's got to call me though, you know,
he's got to go through my people to get me
on that team. You know, I now that I started
playing golf a year ago. A lot of laughing, for sure.
The NBA Tour Spring Tour last weekend today and tomorrow
from noon to four. And if you go on their website,
NBA events dot com, just go to NBA go to
(02:28):
the Spring Tour and they have the tour map, listings,
everything that you need, and the pictures of each of
the model homes that you can go walk through, take
a look. They've got condos, they've got lots, they've got
homes anything you're looking for. And if you just want
to go through and get some ideas you're going to
(02:49):
redo your kitchen, there's a lot of options so that
you can go and take a look at these homes.
Our special guests for the entire hour. And we told
her we're just going to introduce her and then you
and I are going to walk out and go for
the hour. She said, please don't do that. Sharah Jane
tryer Bell Bank Mortgage. How are you. It's good to
see you, Good to see you. Yeah, you're busy, Yes,
(03:10):
really busy. I didn't realize the market is back on
fire again very much. What's What's what keeps you up
at night?
Speaker 2 (03:19):
I can't I probably can't say Zach anymore already, So,
you know, I don't know.
Speaker 3 (03:27):
There's it's it's usually a combination of things. But it's
not enough buyers into homes.
Speaker 1 (03:33):
Yeah, but you have enough buyers, more than enough buyers,
have a lot of buyers. Hey, I didn't realize until
we're talking before. One of the big issues right now
is insurance. Like I I didn't know that that was
again I'm out of the market. I right, we have
this condo now in Milwaukee we're happy with and and
(03:53):
I didn't realize that that. Insurance companies right now are
getting a little bit tough.
Speaker 3 (03:58):
Insurance is getting tough. It's getting a little bit more
expensive too, right, I mean the premiums went up in
some cases seventy you know, it was it's been hard.
It's mostly roofs, you know. And I think we've had
a lot of hailstorms. There's been a lot of claims
and so now the theyre leary, they're a little bit
(04:19):
more forgiving than they were and are up.
Speaker 2 (04:23):
And that's what happens. Everything say, it's like free money,
and after a while insurance you're you're paying for it
because yeah, you get they'll give them money back, you.
Speaker 3 (04:31):
Know, and too I think, sorry, just a little plug
for the NBA again here there's a lot of Charlatan
contractors out there that just follow storms, you know, and
then they get people to replace their roofs. Then there's
insurance claims all over the place that probably didn't need
to happen, and now the cost goes up.
Speaker 2 (04:50):
There it was God, it was godso's got more of these.
We actually have, you know, storm chasing laws now because
of all that storm chasing people have had enough flyers
and telling them we're all working for a neighbor down
the street.
Speaker 1 (05:03):
And hey, we were talking about golf through the mcgiverern Agency,
which is my company. Two years ago I went to
play in the Kilman Restoration golf ounding. It's the only
golf unding I've ever gone to that we prayed together before.
And I do another show on this station call Faith
in the Zone that airs Sunday mornings from A to
nine and I met the owner of Kelman and I said,
(05:25):
that was really impressive and thank you for doing that.
And he said, hey, you need to call me because
we need some help with some marketing. And I called
him and he's so busy, and I called him a
couple of times. Then last year I went and he
called me again and said, you got to come see me.
And now the mcgiverern Agency is working with the Calman
Restoration And it's funny how many times I'm at that
(05:46):
office and we have that conversation. You know, they are
it started here, their main office is here. All the
people that work for them are people that we see
every day. And he said, look, that's what's That's just
a part because we are right here and there. When
we get a storm and people want restoration, all of
(06:07):
a sudden, there are people that are driving it from
all over the place. And understand what you're getting into
when that happens.
Speaker 3 (06:14):
Somebody knocks on your door, Hey, I looked at it,
so it looks like you have some roof damage damage.
Speaker 1 (06:20):
Do you know one of the one of the things
that were talked about in the first or second meeting
I was there is there are companies that listen and
monitor fire departments and as somebody's houses.
Speaker 2 (06:32):
On fire, there's a reason why they do that. Wherever
gets the board up, times gets the contract. And they did.
They do that more than you think I've been to.
I've been. I've been a job. I've been to jobs
where I've been called it was like one as well
a while ago on. So I can probably mention this
treating Wisconsin. And I went there right. I was called
by an insurance company right the fire trucks were still there.
(06:55):
They weren't done. They weren't done, and they want to
make sure that we got to mission because ornament the
platf straight. I'm not sure I was available because I
was get the job.
Speaker 1 (07:03):
I mean, you are going through a tragedy as you're
watching your garage burned down, and somebody pulls up and
gives you the card and says, hey, when it's when,
when it stops burning, call me. I just that's very
creepy to me. And that and I talked to the
last person is that person And and and it's interesting
(07:26):
because when we talked about look these stormchaser people calm
and tell me said, look, we we need to we
need to set ourselves apart from that if you want
to if you want to redo it just by redoing it,
but if you want to restore it with the company,
and and I really kind of fell in love with
with kind of their mission statement and who they are
(07:46):
and what they believe. And it was really interesting to
me with the whole insurance thing because that's a big
part of the conversation too.
Speaker 2 (07:53):
You never been to a place inside their shop and stuff.
That's why you see ours. I copied that because the
way they have everything just all labeled, labeled and labeled purpose. Yeah,
just like it's kind of like a NASCAR shopped cleaning horizons.
You know.
Speaker 1 (08:06):
It's the first segment. He brings up.
Speaker 3 (08:08):
Now, how much about car racing? Last week on a
ride to Madison with Bingo, I had no idea.
Speaker 1 (08:15):
Hey, speaking of that. And I'm going to get to
the high school part of NASCAR. We're gonna do NASCAR
racing or car racing soon with high school.
Speaker 2 (08:24):
And what do you say, watch next week, watch Infinia race.
After you go to show. Infinity Race comes on tonight.
Look at those are high school kids that are racing
those cars.
Speaker 1 (08:30):
Really.
Speaker 2 (08:30):
Yeah, most of the you know, they're nineteen eighteen years old.
Speaker 1 (08:33):
I mean for my high school sports show, Sarah Jane.
When when during basketball is over? Right, baseball this week
we're talking softball and baseball. Next week we're talking girls lacrosse.
Two weeks from now, we're talking horses. Yeah, we're talking
rodeo equestrian. And then I've got it Joel huge Joe
(08:53):
par that.
Speaker 2 (08:54):
To tell me about that. You know, Sam was the
captain of the river Falls team, and then Katie I
was the captain for the Marquette my questioning team.
Speaker 1 (09:03):
Oh, I might have maybe I'll have Sham come in.
Speaker 2 (09:06):
Oh yeah, that's our well you have worry about that's
our passion.
Speaker 1 (09:08):
Oh no, oh, I know that. I know that you've
been to her house, right, I've been to her house.
That's awesome and looking forward to that for sure, Sir Jane.
When when people are are now out looking for homes,
are they is it to the point that that where
it was years ago, where there's fifteen bits and and
you're in there and you're you're you're fighting to get
(09:30):
the home you think is your dream home.
Speaker 3 (09:33):
Correct? So I don't know how many I was reading
another realtor's post, and I think they said they had
three listings. It was something like one hundred showings, you
know between those those three homes, and then I've had
my buyers have been up against fifteen sixteen offers on
one house and unbelievable's having to you know, we're kind
(09:54):
of back to you know, what are you willing to do?
For Go the home inspection? Not awesome? You know, pay
the seller's property taxes for the whole year, pay fifty
thousand dollars more. Oh my god, you know all of
that's back in play, and it's an inventory problem, right.
Speaker 2 (10:10):
Well to do with and ask you just I don't know.
Somebody was telling me about the guess I'm going to
you offered a lot of money more than asking Andy
had to guess some kind of insurance about because something
about the appraiser insurance or figured something about the apraisal gap,
the appraisal gap insurance. I'm like, what is this.
Speaker 3 (10:24):
It's not really insurance, it's just money, right, So if
you so, let's say that you you write an offer
on a three hundred thousand dollars house and you it's
it's legit a three twenty five house, because there's a
little game on underpricing and letting the free market take
the price where it's going to go. You know, there's
a little bit of that going on. And so let's
(10:44):
say you buy that house. It appraises at three twenty,
but your offers for three point fifty. That's a thirty
thousand dollars gap, and somebody has to deal with that.
So there's always three choices. When the appraisal is short,
you renegotiate the price, the buyer pays the difference, the
deal falls apart. That's it. Like, there's not a lot
of other options. So it's getting written into the contract
(11:06):
saying if it doesn't appraise at the price I'm offering
to pay for it, I will pay cash for a
difference up to either the whole amount or ten thousand
or whatever. And that's a negotiating point because if the
price has gone outside the market, that's cause for concern
that it could fall apart, right, because that's one of
(11:27):
those three options.
Speaker 1 (11:28):
Right, So.
Speaker 3 (11:31):
Buyers build in a little bit of strength to say
I won't walk away, I'll pay the difference to hear, hey.
Speaker 1 (11:38):
Somebody in your industry, and what is interesting to me,
is you have been your background as a buyer, a seller,
a bar, a closing professional, realtor, and a loan originator.
That sets you apart a little bit, right, So, yeah,
you're always.
Speaker 2 (11:55):
So many people you know that do loans and play bagpipes.
Speaker 1 (11:58):
Right, Well, we're trust me, We'll get to the whole
bag pipe thing coming.
Speaker 3 (12:03):
But I've walked a mile and most everyone shoes, you know.
Speaker 1 (12:07):
And that's it, doesn't that? Do you think that sets
you apart from some of your competitors, because you've been
on every side of the table, on the side of
the table, in the you know, in the chair over there,
in the chair over here. I mean, you've kind of
been at all of those. So I'm wondering if that's
you're always looking for a way to set yourself apart
(12:27):
in the industry you're in, right, I mean, I've look,
I sold radio for a long time, so I've been
on that side of the table and now I'm negotiating.
So I've been on the different a lot of different
sides in your industry. You can deal with somebody who's
been a seller, you can deal with somebody who's been
a bar or a closing professional. But to have somebody
that has worn all of those hats. There's not much
(12:51):
that surprises you in any of these deals anymore, right.
Speaker 3 (12:54):
No, no, But I say that I learned something every
single time. Surprised generally, No new things, absolutely every single day.
And that's one of the great things about the industry
is no two deals are the same. Note to people
are the same, note to transactions. But you're right. And
I had a conversation yesterday with a realtor who said,
you're the only loan officer that I can talk to
(13:15):
who understands what I'm trying to negotiate here right now.
Can you put your realtor head on for a minute,
and so you know, if you were the listing agent,
how would you react to that, how would you you know?
Or whatever? And I was kind of pleased with that.
You know that that's a unique I can bring to
the table for both my clients and my business partners.
Speaker 1 (13:37):
One hundred percent. Hey, you're doing an event coming up
on April thirtieth that I find very interesting. I wish
this would have been done a few years ago when
my wife and I were moving from eighty eighth Street
out to Pewaukee because the idea of downsizing. We were
in the small house sur Jaane on eighty eighth in townshend, so,
(13:58):
imagine how small the house is. I can't believe how
much it held to the point that the guys at
the Milwaukee City Dump I was working for a different
radio station, that I would use that van and they
knew the van, and they would like, walkie talkie, Hey
mcgivern's here, and they would help me unload the van
if they could take things. So I go, anything you want,
(14:19):
do you take it? And I finally said what do
you guys do? And the guy said, and I sell it.
I mean you sure? And I go, yeah, take everything's
got to go to the dump take take anything you want,
and I would get they would unload it. One day,
my wife is going to find out all the things
I threw away that she didn't know I was thrown away.
She's going to say, hey, where is our yearbook from
high school? We'd haven't looked at our yearbook in thirty years. Yeah,
(14:42):
it's online. It's somewhere. So the whole idea downsizing. On
April thirtieth, this event is really interesting. One of the
big sponsors is a company called smart Moves and Melinda
Stewart is the owner, and I'm a big fan of hers,
by the way, I think she does a phenomenal job.
But there you've got i don't know, fifteen sixteen different
companies that can help people when they're looking to downsize.
(15:06):
And we talked about this before we went on the air,
and you said, look, some people, you know, they've got
kids that a little bit older and should be maybe
moving out soon, and they don't see that happen anytime soon.
And the idea is, look, we want to downsize, and
we're not quite sure how to do it. This event
and it's a free event on April thirtieth where people
(15:28):
can come and just get some ideas on what's the
best way that we can downsize because it's such a
big project. And you rolled your eyes. I had no
idea and you just go through it and you just
do it. But at the end of it, it's exhausting,
it really is.
Speaker 3 (15:46):
It is, and it's so emotional, right, that's probably the
hardest part of it. Going to the closing professional side
of my career. The hardest closings were the couple who's
been living in that home for sixty years or seven
into years and their kid's height is on the door
jam and they're having to move out, you know, and
the tears and the heartbreak, and it's like, oh my god,
(16:08):
this is the worst part of my job.
Speaker 2 (16:11):
But you know what that person moves in here is
going to paint over. Well, for sure, you have your
own family.
Speaker 3 (16:16):
But the so the downsizing work shop thing. I actually
wrote a workbook for this in twenty nineteen before COVID,
and I was planning to kind of embark on this journey.
But then COVID hit and everything changed. People's homes the
definition of home changed. It now became my office, my
kid's school, multi generational living because mom and dad are
(16:39):
still kind of close and have the big house and
they can take the kids to do homeschool. Well. I
try to work at home and do meetings. And then
all of a sudden, home was different. Well now we're
five years out on that and some of it's returning
to Yeah, I was going to buy a condo in Arizona.
I wasn't going to be doing this anymore, you know,
or face it, the baby boomer generation, which all of
(17:03):
us are a part of, we're just getting older.
Speaker 1 (17:05):
For Spencer except for Spencer. Yeah, Spencer's the young pup here. Yeah,
that's okay.
Speaker 3 (17:10):
But you know, all of a sudden, it's like, there's
going to come a day where we're not able to
maintain those homes anymore, you know, So that's going to happen.
But interestingly, I have a lot of clients who are
forty fifty years old who are like my parents, don't
know what to do, and I don't know how to
help them.
Speaker 4 (17:28):
You know what.
Speaker 2 (17:29):
In fact, it's interesting something because I look at a lot
of people's homes on a lot of my customers. They think,
but a lot of people still have their bedrooms set
up for the kids, and they haven't been here in
twenty thirty years, it's true, and they're set up just
like they're going to come home tomorrow.
Speaker 1 (17:44):
Well that you know, if my kids just you know,
if my kids are listening.
Speaker 2 (17:51):
You remember we had a guy from the sauna, so
Katie's roomy, that's my sauna room.
Speaker 1 (17:55):
There you go. I'm going to ask my son in
law John and my daughter in law here, do not
leave my kids because they're not moving back with me.
I love the fact that this event is a free event,
and when you have thirty forty year old people going, look,
I don't know how to do this for my parents,
(18:15):
we have to start having that conversation. And the best
way to do it is to come with information. Right
if you want to go to your parents and say, look,
I know we've talked about downsizing and none of us
know how to do it. But here's an event April
thirtieth from four thirty to six thirty at Remax in
New Berlin. It's five thousand South Town Drive in New
(18:38):
Berlin at the Remax Forward office and you can come
in and you can talk to again Melinda Stewart from
Smart Moves, so you can talk to Sarah Jane from
Bell Bank Mortgage, and you can talk to Mandy Miller
from Remax, along with a number of people from a
state planning to senior living, to medicare specialists, professional organizers.
(18:59):
You know what you know? Who would you know who
would be at this event? Your dad, oh Al would
be here, This is this.
Speaker 2 (19:08):
Love that neighbor all over that.
Speaker 1 (19:10):
Love that neighbor would be at this event to say hey,
look we can help as well. Sure, Jane, We're going
to get to a break other side of the break.
A number of things I want to talk to you about,
and one is if if if people are looking to
build Bell Bank is perfect, but if people are looking
to remodel.
Speaker 3 (19:26):
Bell Bank is perfect.
Speaker 1 (19:27):
That's what we're going to talk about.
Speaker 2 (19:29):
She I mean, I'm telling you Zach checked around, right,
I mean, yeah, Zach is you know he's yeah, and
he checked around.
Speaker 1 (19:37):
So if I had gave you a dollar for every
time Zach called you during the process, would you know
what if Zach had a dollar for every time my
wife called him for when we needed him, he would
he would buy something as well.
Speaker 3 (19:54):
Zack had a lot of questions and luckily I had
a lot of answers.
Speaker 1 (19:58):
Well, every time I try to do a whole improvement
project on my own and we do a commercial about that,
it is and my wife has Zack's number on speed dial,
sure and good resource.
Speaker 3 (20:09):
He just was at my house doing touch pointing and
concrete work.
Speaker 1 (20:12):
He's you know what, he's the best. He's the best.
Now he done hit a golf ball as well as
I do. However, we'll talk about that. That was two
years ago. Yeah, Oh, trust me, you know what, all
of a sudden, he's gonna be text me going, all right,
big boy, let's play today or tomorrow. She is Sarah
Janetryer again Bell dot Bank if you if you go
(20:33):
to Bell dot Bank, or the better way to do
it is is if you google Sarah Jane Tryer t
R I E R. You get just a beautiful picture
of her and a little bit about her and a
little bit about her personal life too. Because Great Highland
Bankpipe her husband published a tutorial of Helllander music big
(20:56):
Time in the bagpipes. In fact, I showed her a
video of bagpipe people at the Saint Patrick's Day party
that I was at at my friend Brian Kleisman's house,
and you were like, oh, I know them. I see
them every Tuesday. They were so good, by the way,
they were so good and right in the middle of
the of his Saint Patrick's Day party and they come
every year down to the East side of Milwaukee, and
(21:17):
he's got an Irish pub in his garage and it's
packed and people stop what they're doing for the fifteen
minutes where they come and play, and it was just awesome.
Speaker 2 (21:26):
Well, we do Saint Patrick's Day praying and we're easy
to find because everysing greeting except.
Speaker 1 (21:30):
For you guys. It's like a Christmas thing. I'm sorry
you bring the red and that's awesome. This is the
Creative Construction Wisconsin home improvement show on Fox Sports nineteen
twenty and your iHeart Radio app. Hold on, Sarah Janel.
What does it called?
Speaker 3 (21:46):
Thanks?
Speaker 1 (21:47):
There you go. That's our bumper music for today. Thank you, Spencer.
Welcome back to the Creative Construction with Scas.
Speaker 2 (21:53):
This is also educational show too, because use them education.
Speaker 1 (21:57):
YEA love songs. This meet is Sarah Jane A Trier.
Speaker 3 (22:01):
Would be amazing.
Speaker 1 (22:02):
There you go. I was saying her last name wrong.
Rhymes with beer. You think it'd be Yeah, it'd be easy.
Sarah Jane A Trier. Bell Bank Mortgage Sarah Jane When
when we had talked during the break, how much do
you guys work in the remodeling space to help people
get their homes remodeled and are more people doing like
(22:24):
a second mortgage an equity line? What does Bell Bank
do for that? And how big of your business is that?
Is it ten percent? Is it fifty percent?
Speaker 3 (22:34):
Is it probably a smaller amount Because a lot of
people have cash, they wait till they have cash to
do the programs. The thing is they don't have to write.
So one other thing that this crazy real estate market
has provided people is a lot of equity in their homes. Right,
So home equity loans because they've got you know, maybe
one hundred thousand dollars that they can pull out and
(22:54):
use that they're at their discretion is a very popular vehicle.
I do ton of those. But then we also have
a remodeling actual remodeling loan program, which is fantastic.
Speaker 1 (23:06):
How does that work?
Speaker 3 (23:07):
So it can work for a purchase or a refinance.
So if you already own your home and you have
a mortgage on it, or you don't, we can do
a loan where we it's like a construction loan where
we refinance your mortgage and then say all right, let's
have your plans. You have to work with a general
contractor you can't do this by yourself. Okay, So let's
say that you call a construction company. Here's my plans.
(23:29):
I'm going to do a seventy five thousand dollars edition
or whatever. Then we get the appraisal and say will
the house be worth that when you're done with it?
And then the answer is yes, we close on the loan,
the money goes into an escuer account, you have twelve
months to get the work done with the contractor, and
then you just it's in your mortgage.
Speaker 1 (23:48):
Did you find that a lot of people And this
was years ago that we had this conversation on this
show on a different station, but it was were people
that were that they bought what they thought was their
starter home and now they're they're in the process of
of of having kids, but they don't want to move
out of the neighborhood, love the neighborhood, love the school system,
(24:11):
and instead of of now buying another home, they're they're
they're building on and and they're either going up or
back or out.
Speaker 2 (24:19):
People doing that, I mean, I see it all the
time because you know, I work into old homes. Right,
they get a house and they build it twice three
times the size some of these homes. People.
Speaker 3 (24:28):
I mean, that's really what you're buying when you're buying
a home. And so one of the things that people
say is, oh my gosh, I have four percent. I'm
not refinancing into current rates, but the bottom line is
if you don't and you're going to move, you're going
to pay those rates. Anyway, you know, and you can
always refinance if they come down, so you know, rates
aren't forever well.
Speaker 1 (24:47):
And I used to work with a lot with Adam
Deputy who's in the mortgage business, and he would say,
marry the house, date the raid, and and that was true.
How with the rates coming down not this week. This
week they went up. Yeah, And and in fact, it's
(25:07):
been a little bit of a crazy week for you right,
insane people freaked out by that.
Speaker 3 (25:13):
A little bit. Not really. I mean, we're kind of
back to where we were in February, so it's not
like we're in uncharted territory. And the feeling is that
it'll settle down again too, you know. So we're really
in If you look back at the last fifty years,
we're at the average rate for thats toss them out.
We're right in the.
Speaker 1 (25:33):
Middle, right in the middle.
Speaker 2 (25:34):
And when the rate jumps up, there's different people that
are happy about that because now they've got a chance
to get a house. Because people all our rates are
too high, we're not going to make any offers on
a house, and sometimes people take advantage of that they
can get a house.
Speaker 1 (25:46):
Hey how much first time home buyers lots lots what
people are always afraid of the credit? Right? How how
am I going to go with that? Did you find
that that younger people nowadays have better credit ratings or
is it still kind of where you just got. You
(26:07):
got to make sure that it doesn't have to be perfect,
but it's got to be a little bit clean.
Speaker 3 (26:12):
Right, Yeah, it has to be very clean as a
matter of fact to there's a range of credit scores.
And you're right, most people are afraid when I will
get a younger first time buyer. They'll say, you know,
I was supposed to call you last year, but I
was just terrified. I'm like, yeah, but if you don't know,
then you don't know what you're afraid of. Right, And
everything was fine, so you didn't need to be afraid
at all. We have a lot of different programs to
(26:35):
help a lot of different people. So that's the nice
part of that life happens, you know. So yesterday I
had to have a conversation with somebody and say, I
can do your loan, but you're going to not have
a lot of money left over, and this payment's way
at the top end of your range, and I'm going
to take my loan officer hat on and put my
(26:57):
friend hat on. I don't know this person, I've never
met them, right, but just said if you were my friend,
I would tell you to go home and think really
hard about this, Like I don't know, you know, and
I'm talking myself out of a paycheck. But I also
don't want them to fall on hard times. So you
have to be very mindful of how things happen.
Speaker 1 (27:17):
You know, how long does it take to get it
cleaned up?
Speaker 3 (27:20):
It depends what it is, you know. So if it's
late payments, you just got to let those kind of
age out. That can take a couple of years, you know,
if it's a lot of them. If it's one or two,
it might not really matter much. But really there's three things.
There's what is your credit limit and how much of
it have you used? And if it's more than thirty percent,
there's a dang for that. So if you can maintain
(27:42):
thirty percent or lower on your credit card balances, perfect
how long do you keep the accounts open? So even
if you pay it off and you're like, oh, I
paid off that card, I'm going to get rid of it,
don't close it because the longer it's open, the more
it serves you, and then do you pay your payments sometime?
And if you don't, then that's problem.
Speaker 1 (28:02):
Do you know? It's it's it's interesting that the fear
side of it. It really is. And there's a lot
of different parts of your life where people won't go
to the doctor because they don't want to know. Well,
my wife's a nurse and like if I sneeze, she
wants me to go get looked at, right, And there's
a blessing that occurs to that right of that part
(28:24):
of it. But I think that the mortgage side of
it and the credit rating part, what credit rating are you?
Are you comfortable with? Where do you hope people are?
Speaker 3 (28:33):
Help people from six twenty all the way up to
the top. So six pot twenty is a pretty low
score side that's going to be a little challenging. And
there's one or two programs that we can help FHA
some other things where life gets easier for the gets
less expensive I should say for the bar because the
higher the risk, the higher the rate, the higher some
of the other costs. Is probably around seven forty really,
(28:56):
and that number used to be six eighty, So it's
really it's going.
Speaker 1 (29:03):
It's is that the first thing you do when you're
when you're when you're starting to work with a new couple,
is that is that kind of like right off the
jump where you let's find out where they're at.
Speaker 3 (29:13):
No, because credit reports are expensive and and so it's
like I look first at where's your income? You know, like,
have you been on your job two years? Are you
self employed? Do we have like before we do anything else?
Do we have the income partment? And I don't know
if it's enough income, But I just let's start there.
If you just started your self employed business last month,
(29:35):
I'm not going to pull your credit report, right I
check all that out first. I have people apply, I
look through the whole thing, I give them a call,
and while I'm on the phone with them is generally
when I pull the credit report, just to make sure
their timeline lines up and everything else.
Speaker 1 (29:49):
Yeah, how hard is that conversation when you have to
say to somebody, look, I just don't think that we
can do this right now.
Speaker 3 (29:56):
It's tough because you're kind of taking someone if they
were afraid you validated it right, and then if they
really had their heart set up and they're so excited
waylaying it, but there's there's a very helpful way to
do that. I always tell people I'm not going to
tell you no, but I might tell you not today,
and then we make a plan.
Speaker 1 (30:16):
Do you know when we when Terry and I, it
took me a couple of years to convince my wife
to sell. And it was like in those two years
when every house in the neighborhood was like it went
a for sale sign went up and they had three
offers next day. And when that burst is when my
wife said, yeah, maybe we should move. So it was like,
(30:38):
come on. So we put our house up and we
started looking and I found this condo in Pewaukee that
was perfect, and we put it. We put a bit
in and we didn't sell our house in time, and
so I thought we lost it, and we didn't. And
we were able to then renegotiate a price a little
bit lower than what we had offered a couple of
(30:58):
months prior and still were able to get it. But
we didn't. You know, I'm not sure we took the steps,
the correct steps. In fact, we made a change with
our realtor, and the new realtor like moved it along
really quickly, and I was very happy with the way
it worked. But because this is the first time we'd
(31:18):
ever sold the home we were a boy, it was
a lot of sleepless nights because we didn't know if
we could sell it. We didn't get any offers, and
then we thought we lost it.
Speaker 3 (31:28):
We did, yeah, And so one of the things that
we right away look at. Not buyers are not going
to be competitive if they have to write condition on
the sale of their old home, right because that's so
many buyers. But if you own a home already, one
of the first things that we're going to look at
is can you float two homes, even if it's for
(31:50):
thirty or sixty days, you know, and without breaking the bank,
without putting yourself in a difficult situation. And if you
simply can't, which is okay, it's not a terrible thing,
right you know, then we just have to strategize with
the realtor how we're going to do that, you know.
But if you sell too fast, you may not be
able to find a place because it's so competitive. It's tricky.
(32:11):
It's all tricky, it's all people's lives, and it's all supers.
That's what you've got to have good partners say.
Speaker 2 (32:18):
What a person should do, because I just went through
with one of my workers. Is before you, you know,
said while we're looking at buying this house, looking at
doing that this house, you cannot make an offer to
purchase the house. Do you got letter from your bank
saying you can? That's true and most people don't know that.
They find out the hard way that they spend all
days looking at stuff. They look at stuff and guess what,
you got a letter from your bank. No, you've been
(32:38):
wasting your time.
Speaker 3 (32:39):
So won't take you out anymore without I mean even
in the nineties when I was selling real estate, like
you're not getting my.
Speaker 2 (32:44):
But when you see an I'm just saying that because
when you see an open house and then these contingencies.
I was just looking at the house in Greendale, right
and I'm looking at the you know a chimneys are
falling down, so I'm looking at it and people are saying, well, oh,
I see you're over here looking at it. That means
they got an offering us house. Yeah, do you know
if it can tigeons on the sale of their home
because some homes, like in Tulsa and green those things
sell so fast, so fast, right, yeah, so people, look,
(33:07):
they want to know if there's contingencies on it because
they've only got listed a day before. You know, then
someone's being offered and then I'm over there looking at
the chimney.
Speaker 3 (33:13):
Because if there's a contingency, someone else can write an.
Speaker 1 (33:16):
Off right, And.
Speaker 2 (33:18):
That's what and that's that's what the guy was literally
asking for.
Speaker 1 (33:21):
When with with ours, we had a number of people
that came through it and and they gave us time
so we got out. But then there was one where
they gave us like a five minute notice that they
were going to come through it. And Terry was very
upset with it, by the way, and I was like, no, no,
this is good because if they.
Speaker 2 (33:40):
Can't answer, you answer to your underwear anything.
Speaker 1 (33:43):
No, no, But I made it and I was there
and I was actually walking garbage out and the guy
was like, look, I'm really sorry, but we're just a
couple of minutes away, and I said, no, no, that's okay.
And they brought a child, like a five year old,
and I said, look, when when you go in the basement,
there is a thing that I use for boxing, for boxing,
and every kid gets a little afraid of it because
(34:04):
it's like a half first and I said so, and
the guy goes, oh, all right, thanks for the heads up,
and they went downstairs, and by the time I got back,
the kid had my boxing gloves on and he was
punched in the thing. I thought, okay, we're okay with that.
And then I walked them through because we knew what
the why people weren't putting offers in and I explained
that to them, and those are the people that bought
(34:25):
the house, and I thought, if I'm.
Speaker 3 (34:28):
Taking a pass on that showing though.
Speaker 1 (34:30):
Yeah, I'm glad we didn't. I'm really glad we didn't
our special guest for the entire hour. And she is
just the thing that's impressive to me with Sarah Jane A.
Trier is that when when you talk to somebody who
is a seller that's great, a barer right okay, clothesing
professional really, and a loan organizer. And she's done all
(34:51):
of the originator she's done all of it, and so
when she can take one hat off and put the
other hat on, she has kind of been all part
of this industry. And this event that they've got coming
up on April thirtieth, it's Wednesday afternoon evening four thirty
to six thirty Wednesday, April thirtieth, It's a free event,
Downsizing Resource Fair. I love it Your Future, Your Way,
(35:14):
which I really think.
Speaker 2 (35:15):
I would recommend if you go to that, come there
with the list because you're going to forget some of
the questions that you need to ask.
Speaker 1 (35:21):
One hundred percent one hundred percent And one of their
sponsors is Melinda Stewart. Here's a friend of mine. Smart
Moves and those kind of companies that can help you
as you're thinking about downsizing. What are the steps you need?
And certainly Sarah Jane can can answer a lot of
questions and introduce you to a number of the people
(35:43):
that are going to be at this event. It's a
Downsizing resource Fair on Wednesday, April thirtieth, five thousand South
Town Drive in New Berlin at the Remax Forward Building
again in New Berlin April thirtieth, from four thirty to
six thirty, will continue our conversation with Sarah Jane Trier
from Bell Bank Mortgage on the other side of the break.
(36:05):
This is the Creative Construction of Wisconsin Home Improvement show
on Fox Sports nine twenty in year iHeart Radio app.
Welcome back to the Creative Construction Wisconsin home improvement show
in Fox Sports nine twenty in yr iHeartRadio app as always,
coming live from the Donovan and Jorganson Heating and Cooling Studios.
I'm Mike McGivern alongside my co host. He's Bingo Emmons.
(36:28):
He's the owner of Creative Construction of Wisconsin, and our
special guest, I just spit all over the mon Sorry
about that, guys.
Speaker 3 (36:37):
Something you have your own.
Speaker 1 (36:38):
Sarah Jane Trier Bellbank Mortgage. Go to Bell dot Bank
or better yet, if you google her Sarah Jane Trier
t r I e er Bell Bank Mortgage and you
can get all the information you need from her. Before
we get into a couple of things with Creative Construction
Wisconsin that we were talking about during the break stepping
(37:00):
Stone the Saint Jude House. I know that you're pretty
good friends with Evan Jen. The building's coming along pretty nicely.
Huh Yeah. I'm excited about that. What a great idea.
And they've been do they do this in a couple
of different areas throughout the country, but first time they're
doing it here and they're building a house through stepping
stone and the money the profits are going to go
(37:22):
right to Saint Jude. Correct.
Speaker 3 (37:24):
Yes, And it was really amazing to be at their
launch meeting. It was a breakfast meeting in Brookfield. It
was snowing that day, so a while ago, and they
had gathered all of their sort of contacts for contractors
and everything, and they had a big sign up board
and everybody went and said, here's what I can donate, time,
materials and things like that. And I went up to
(37:47):
the owner of stepping Stone and I said, I don't
have any materials to donate, but I have two hands.
So when you need contractors fed for lunch or breakfast
or whatever, give me a call and we'll come and
feed everybody. But it's really an amazing project and the
home will be beautiful. It'll be open at the parative homes.
Speaker 1 (38:06):
Here I've seen and thank you for showing me the
video of of your home Creative construction, the nice job
fixed in your front stoop and your landed stone steps
on your house. You've used Creative Construction Wisconsin. I've used
these guys a ton and boy, I love the fact
(38:27):
that that you know, we've we we have this group
of people that we can call when we need help.
And certainly the work that they did, and you showed
me the pictures what they spend a little time out
at your house, and certainly the landed steps at your
house are just done beautifully. You guys do a lot
of work together with Creative Construction Wisconsin.
Speaker 3 (38:49):
When I need to for my personal stuff. But certainly
sharing their information to all of my contractor or all
my friends. And you know, it's nice because people buy
a home and they're like, we I don't know how
to do this, and.
Speaker 2 (39:01):
And then you know, and then but yeah, but she
but she paid for it because she had to help
Zach with his with his new home.
Speaker 3 (39:08):
I said, I've been walking around with a blank check
to pay you for two weeks now.
Speaker 2 (39:12):
But uh, yeah, because because Zach was Zach was hot.
You know, he's high mainten his customer eye have met.
Speaker 3 (39:18):
Oh no, he was fine, He was fine.
Speaker 1 (39:20):
Do you know that microphone that keeps moving? You can
blame the guy who's sitting between us.
Speaker 2 (39:25):
It was stuck.
Speaker 1 (39:26):
Did you break No, it was making a sound. So
he came and fixed it. But he fixed it too well,
so now it starts. It never it wouldn't move, but it.
If you did try to move it, the sound was
really loud, and in typical Bingo Emmon's fashion, he goes,
I can fix that, went out to his truck, came
back and now the thing kind of moves and and
(39:47):
it's very funny. You got one spot it can stay and.
Speaker 3 (39:50):
And uh, I won't move.
Speaker 1 (39:52):
Yeah, you cannot move. You can't. Hey, when when you
guys started talking about doing the Downsize and Resource Fair,
and that's one of the reasons we wanted you to
come in because in April thirtieth and four thirty to
six thirty, this Downsizing Resource Fair that you have really
put together and with a lot of different people and
(40:12):
the idea behind that. With the book that you wrote
pre COVID on this, you saw that there was a
niche was it because people were constantly asking you questions
about look at this this idea of downsize and scares
me and I don't know where to start.
Speaker 3 (40:29):
More of their children. But I made three long distance
moves in the last fifteen years, and I was like,
this is what it feels like. So like one of
our moves, we had a big rummage sale, you know,
because we were moving from Niagara Falls Ontario to Tucson, Arizona.
So that's a big distance, right, huge can't take a
lot of stuff. And so we had a couple of
(40:50):
weekends of garage sales and then we're like, what do
we do? So we actually had an estate sale company
come and give us a bid on the contents of
our house and then they came and took it and
gave us a check. It was the most insane thing
I've ever lived through. But it was super daunting and
I'm like, this is exactly the process that people have
to go through when they're downsizing, and it's it's sad.
(41:11):
I mean, you're looking at things for your your whole
life are sitting there and you're like, I'm going to
give this to somebody else, you know. So I felt
like I had first hand experience on how to eat
the elephant, so to speak.
Speaker 1 (41:24):
Well, and that's a big one bite. Yeah. I And
look that keeps me. I had asked you in the
first segment what keeps you up at night? That part
of the process kept me up at night. And the
first step for my wife was, look, I'm not putting
this this house up for sale unless it can pass
an inspection. We had Kernel Electric come out. We had
(41:46):
Donavan j Organs and Eating Cooling come out. We had
Big o'lements come out. We had a bunch of people
from Creative Construction. Chris Mancuso came. Put the beams up
in the basement.
Speaker 2 (41:56):
Bring us up a brilliant Did I have radio app?
I listened to you right now live at the Indie
race that's coming on in a couple of hours.
Speaker 1 (42:02):
Tell them watch it. I'm supposed to lie on this.
Speaker 2 (42:06):
The safety team is listening. You said, we're listening from
Long Beach. I'll let you know that this is this
is like Florida, guys.
Speaker 4 (42:14):
This show is all over the country. Loans in Florida.
This is long Chane Truer can do loans in Florida.
So guys, yeah, look it's a different animal. But trust me,
she knows that.
Speaker 1 (42:28):
She knows that when you talked about taking a bite
out of that big elephant, that what a perfect analogy
because it is it's daunty.
Speaker 3 (42:36):
Baby steps, you know. And so the whole workbook is
think about what is it that you want in your life,
what is it that you need in your life? And
then it just kind of is like just take it
a little bit at a time in some places, to
make notes, write down your goals, write down your dreams,
create the life that you're going to go to, and
(42:57):
then how do you prioritize this that you need to
take to get there. It's really nothing super fancy, but
it just do you're an organizer.
Speaker 1 (43:06):
Do you ever feel like you know all the hats
and we've talked about all the hats that you've worn,
so you've sat at every side of the table, one
that you don't have on your profile. Do you ever
feel like you're kind of like doctor Phil too, right,
that whole part of Look, you've been through this a lot,
but there are people that this is the first time
they've been through this, and the nervousness and to be
(43:27):
able to have a calming influence to say, listen, I've
been through this a thousand times. Here's what's going to happen.
You've got to be able to just take a breath
and let's get through this together kind of thing. Yeah.
Speaker 3 (43:41):
Absolutely, And part of that is it's I feel good
about that, you know, like if somebody gets situations can
get a little wild and crazy, you know, and I
have to be the calm water under that. And that's
something that I've worked very hard to be good at.
Speaker 1 (43:56):
The phone call that you get to make to tell
that somebody you got it.
Speaker 3 (44:02):
I don't get to make that, you know, the realtors.
The realtors make that phone call because they know first, right,
So they do that, and then I usually get a
text and then I immediately you know, text or call
or whatever, and and it's the big woo whoo and
now it's okay, here we go.
Speaker 1 (44:18):
And they also make the call saying you didn't get it. Now,
let's have got a couple other options for you in
the same neighborhood, different styles homes, but let's take a
look at those.
Speaker 3 (44:27):
So yep. And and I'm probably a fatalist a little bit,
but I think that things work out as they should.
And so it's just like, okay, well we're ready for
the next one. Don't be discouraged, and you're going to
learn something at every single time.
Speaker 1 (44:40):
Hey, how different is this industry that you're in now
than compared to where when it was when you started?
Speaker 3 (44:46):
Oh my god, Well I started in real estate in
the eighties, so that was pretty miserable right when you.
Speaker 1 (44:51):
Were four four years there, I was four.
Speaker 2 (44:53):
Yeah, no, no, but in kindergarten.
Speaker 1 (44:56):
She was in kindergarten.
Speaker 3 (44:58):
No kids on the foot adult but no, really, it's
been up and down, up and down in and so
I actually just sent somebody a text yesterday with that
emoji with the cowboy hat going just another rodeo, because
it really it's it's been a lifetime of experience.
Speaker 1 (45:15):
We didn't have time today, but the Big Pipe Place
is where people can google, right you and.
Speaker 3 (45:21):
Your Pipe place dot com?
Speaker 1 (45:22):
Yeah, Big Pipe Place dot com. And and trust me,
if you you want to talk mortgages, you want to
talk about remodeling, you want to talk about homes, how
to how to get alone, I Sarah Jane is the
perfect person you want to talk about bag pipes. Her
and her husband can talk to you about that as well.
It's so good to see you.
Speaker 3 (45:42):
Good to see you.
Speaker 1 (45:43):
Let me come back you bet happy spring. I know
you're going to be busy.
Speaker 2 (45:48):
And don't forget on Fox Network. The race is on today, right, Yeah.
Speaker 1 (45:52):
Yeah, who do you?
Speaker 3 (45:53):
Who?
Speaker 1 (45:53):
Are you? Any favorite for you?
Speaker 2 (45:56):
We always well for the Infinity Race. Will always go
for Sammy Mayor you know a local guy.
Speaker 1 (46:00):
Yep, that's who I was looking for to see.
Speaker 3 (46:02):
I did thought this whole high school thing. So wait
till I get home and tell my husband because he
watches the Yeah, I don't know when everything iad he does. Yeah,
I don't know what it is. He grew up in Virginia,
you know.
Speaker 2 (46:16):
And southern is maybe.
Speaker 3 (46:20):
That guys chopping cars and everything else. So when I
tell him this a high school sport, I think he's
going to be pretty.
Speaker 1 (46:25):
Yeah, we're gonna do it, and I'm gonna ask Bengo,
We're gonna do some something on it during my high
school show. Not today. We're talking Germantown softball, Germantown.
Speaker 2 (46:34):
Base at an ask David greenlad and call in and
then he doesn't say anything. I can talk though, Yeah,
I got nothing.
Speaker 1 (46:43):
I got nothing. Why do you turn left? That's my
only question, Sarah Jane.
Speaker 3 (46:46):
It's good to see you can keep turning left and
go in a circle.
Speaker 2 (46:50):
When you turn right is when bad things happen there.
Speaker 1 (46:52):
It is. You heard it. He's Bengo Evans. This is
the Creative Construction Wisconsin Homiproven Show on Fox Sports ninety twenty.
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