Episode Transcript

Greg Farber:
Welcome to the Building Interest Podcast presented by Leader Bank, a series of free flowing conversations on a wide range of banking and money related subjects. We are here to discuss all the issues that impact your financial future. Do you want to buy a home, start a small business or secure your financial future? Or maybe you want to maximize your savings ability, get your budget in order, we can help our talks with experts and influencers across the world of banking. We’ll set you in the right direction. I’m your host, Greg Farber. Let’s jump right in. Welcome back to the building interest podcast. I’m your host, Greg Farber. And today it is my pleasure to be joined by Mike King, Originator at Leader Bank and Kristen Buker realtor partner at Keller Williams Realty Showcase Properties. Thank you both for taking the time to be here today.

Kristin Buker:
Thank you.

Mike King:
It’s great to be here.

Greg Farber:
Mike, always a pleasure to see you again. You’ve been with Leader Bank for quite some time now in the residential lending industry even longer. Can you give our listeners some insight into your career? How you got started and kind of just bring us up to speed? What brought you here to where you are today?

Mike King:
Sure, sure. So I started that Leader Bank back in 2009.

Greg Farber:
I did as well.

Mike King:
And the same as you. Yeah. All right. I wasn’t aware of that. Yeah. But it was good year, obviously,

Greg Farber:
I guess so, Banks always been growing.

Mike King:
That’s right. So I started in the industry back in 1993. So this coming March of 2023 will be 30 years for me, which is pretty mind boggling to think that. So I basically got into the business pretty much out of college, I had a two year stint just out of college at the IRS. And I was approached by a family member who was opening an office for a company called Arbor national mortgage at that time and asked me if I’d be interested in giving that a try. So at the time that, you know, I didn’t really think the IRS gig was going too far. And I don’t think I really wanted it to go too far. So I was open to give it a shot. And you know, I just said, I’ll give this thing a shot and get you going to teach me what a mortgage is. And then that was pretty much it. You know, she trained me. And then off I went,

Greg Farber:
Yeah, I had a similar start came out of college had no idea what a mortgage was, and ended up working for a mortgage company. So I totally am familiar with what you’re describing. So what made you choose Leader all those years ago.

Mike King:
So Leader, so let’s say was that it was through 93. And then it worked for a couple different companies. And then 2009. I was at the Needham branch that I’m still at today with Jim Shanahan, and Dave Kurzman, his managers, we had worked for a few years at Summit mortgage. And it was back in the 2008 time when things were getting a little hairy in the mortgage business, and Summit was going out of business. So we had to find a new place to work. We, we went to First Mariner as a group, First Mariner Bank, which was out of Baltimore, and I think we were there for maybe a year and a half. And that just was not working out. So that we kind of went back out and we shopped ourselves as this branch of underwriters processes. And, you know, successful loan officers just needed a place to work. And it was kind of really, I was going out interviewing companies, and Leader was the one that we chose for, you know, for a few different reasons.

Greg Farber:
So that’s, that’s a great story. So just for the listeners who may not know, you mentioned, loan officer and originator, we kind of use those terms interchangeably. What does it mean to be an originator and what is your day to day look like?

Mike King:
So being an originator is essentially, if you’re a salesperson, you’re you have your own business, even though you are a W-2 employee of the Bank, and you have 401k, and benefits and so forth. But it’s a full commission job, it’s your owning your own business, and just managing that day to day. So every day is different, you wake up and, you know, obviously, you’re always looking at your pipeline of loans. And, you know, what’s maybe what commitment dates are coming up? What closing dates are coming up, making sure that’s all working correctly, you’re just, you know, I sometimes I liken it to just having a store, you know, like you show up at your store, and customers come in and you deal with them. And sometimes you get more customers than others.

Greg Farber:
And you start to finish your from the moment they start looking for a loan all the way to the closing.

Mike King:
Oh, absolutely. Yeah. So that’s the that’s the part that’s the part of the of the dealing with the customer. Part of it, I guess is that you take them from a pre approval all the way through the process, you know, when they find a house, and then take them through the process to get to the closing table.

Greg Farber:
So Kristen, again, welcome.

Kristin Buker:
Hi, thank you.

Greg Farber:
Please tell us about yourself and your background as well and how long you’ve been in the industry and kind of what makes you tick in your role.

Kristin Buker:
Sure. So I’ve been in real estate for 15 years. I started in 2007. And then I went to Keller Williams in 2009. So I’ve been there ever since, I’m from the hotel restaurant business. So I went to Johnson and Wales in Rhode Island and got right into the hotel business and worked in catering, sales as well as banquet manager. So I did that for many, many years. When I got pregnant with my oldest daughter, Rachel, I said well, let’s just stay home For a little bit, you know, raise the baby. And then I got pregnant with my second daughter, Lauren, and I want to get back to work,  I love them very much. But I just want to…

Greg Farber:
You chose a whole new industry.

Kristin Buker:
I did I did. I’m like, okay, what can I do now and one of my neighbors was a real estate agent who actually sold me my house. So I talked to her a little bit. And I said, that sounds like fun. So it wasn’t even really planned. And I ended up working at a company, they just really hired me, I didn’t even have my license yet. I didn’t know anything about it. But I went in every day and kind of listened to what they had to say and got my license and just kind of went from there. So I kind of fell into it. But I love it. It’s fun.

Greg Farber:
So much like Mike, you you both kind of learned the industry from scratch.

Kristin Buker:
Yeah.

Greg Farber:
And discovered that it’s, it’s the right fit for you.

Kristin Buker:
Exactly, yeah.

Greg Farber:
So what’s what’s your favorite part of being a Keller Williams Showcase, now?

Kristin Buker:
Um, you know, I know, everybody says this. I love the people. Right Mike? Love the people, great, great group of people, not just because of, you know who they are to? I mean, yeah, of course, because of who they are. But, you know, just the collaboration that we have with each other, and how we help each other. And it’s not like a cutthroat business, like some people think that real estate is, you know, I could go to one of my colleagues and say, Hey, listen, you know, I have a listing presentation at 123 main street, you know, what do you think about this, what you think about this price, and they’re not gonna go and run over and try to call the client, you know, I have faith that I mean, I just know, that’s never gonna happen. So the people really, and then the training as well, like, we have a lot of high level training, we have a great group of, you know, trusted partners that we work with, to who come in and train as well. So we always are knowing what’s going on, you know, in the industry. So, yeah, so those two main things,

Greg Farber:
It’s kind of the same question for you, Mike. You know, I’m just trying to get a feel for things too, you know, you’ve been doing it a long time, what keeps you passionate and excited about doing this every day and, and helping, you know, get these loans through?

Mike King:
Yeah, like, for me, I think it’s, it’s the challenge of, of every deal can be somewhat different. And I think I’m somewhat of a problem solver as a part of my personality. So sometimes you get these, you know, the easy deals we love because it’s you know, as you know, as the underwriter the W-2 paystub, you know, own one property and bank is approved, right, but then you get the self employed, self employed, they own other properties, and so forth. And, you know, trying to figure out where their down payments coming from, and it’s sometimes it’s kind of like putting a puzzle together in a, you know, figuring out how to turn that, that challenging situation into into a loan that you can get approved.

Greg Farber:
Nice. So now, how long have you both known each other? And how did you start working together professionally?

Kristin Buker:
So since 2009, actually, Mike might not know this, but it is. Because actually, Mike was a trusted partner at Keller Williams, right when they opened right in 2007. They incubated right, so he’s been there ever since. And then I joined in 2009. And Mike was there. So that’s how we met? Yeah.

Mike King:
Worked out well.

Kristin Buker:
Right.

Mike King:
Absolutely.

Greg Farber:
That’s a great story. It’s been going for a long time.

Kristin Buker:
Yeah, absolutely.

Greg Farber:
So given your vast experience, and as we mentioned, kind of homegrown and then sort of seeing the industry through your own eyes, not through someone else’s lens all this time. I imagine you guys have seen cycles in the housing market and experienced highs and lows in terms of prices and interest rates and housing, inventory, all of that. Tell us a little bit about how you manage those swings and how you and your buyers and your borrowers can overcome those difficult stages maybe Mike let’s start with you and then Kristen just jump in and share as well. Sure.

Mike King:
So I guess as far as you know, managing the swings it when you say swings you meaning business volume, you know high to low or…

Greg Farber:
Yeah, anything that really impacts you, right I mean, you see on the news that rates are way up and so you’re gonna imagine that means there might be fewer borrowers or you hear on the news that there’s a housing crunch, there’s not enough inventory. So how are we you know, how do you manage your, your, your borrowers and your clients through that and make sure that they’re able to get what they need.

Mike King:
Okay. Yep, so lately rates have have increased significantly from where they were even at the beginning of the year. So that’s created a challenge. I mean, it’s taken some people from hoping that they could be in let’s say, the 650 range and drop them down to the 550 range. Yeah. So that and that really, I think more falls on Kristen because now she’s gonna change you know, the market that she’s showing people

Kristin Buker:
And I need to call like the lender, you know, every week you know, every time you putting an offer in, okay, what’s the rate? Can they still put an offer in on this price? Like literally it’s could be even day by day by

Mike King:
Yeah, it could be. Yeah, definitely. So you’ve had breaks you have someone that’s really at the top of what they qualify for and rates jump at a half. You have to look at something slightly lower. So you know, It’s really just managing that and making sure that people are aware of what the payment is going to look like. You know, if they still want to stay in that, in that same market, maybe come up with a way for them to, you know, maybe put more down, maybe borrow from 401k, as it says an example to drop that payment down with more down payment.

Greg Farber:
So if we see one of these drastic swings, it doesn’t mean all of a sudden, there’s no loans available, or there’s no houses available, it just means you have to rework setting the expectations with your customers, what they can realistically get, and how to get to their goal.

Mike King:
Absolutely. Yep.

Greg Farber:
So taking that into account, how do you see the current state of the market and kind of where things are going in the coming months?

Kristin Buker:
I mean…

Greg Farber:
We don’t have a crystal ball.

Kristin Buker:
We don’t and If I was here a week ago, it’d be different. I’ve definitely seen a change, like literally in a week that quickly. Yeah, yeah. I’ve I don’t know, maybe the interest rates, maybe. I think the buyers are just not they’re not willing to give their kidney away anymore. I keep saying that as an example, you know, before they were just like, putting everything down waiving everything. Now, I think they’re just taking a step back, thinking about it looking at the house saying, Okay, do I want this house? Let me talk to my loan officer. What, what’s it going to cost now, and they really are taking time, the average days to market now was 14. So it’s not happening within three days. Now, some houses are of course, and some aren’t, right? That’s why it’s an average of 14. But I think they’re really kind of taken their time now and being a little bit more picky than they were before. And they’re probably just tired. Really.

Greg Farber:
You see a similar impact on the lending side, Mike?

Mike King:
Absolutely. Yeah. So just this week, I’ve actually had a couple of deals where people have been out there looking for quite a while in early found properties and had offers accepted. And they actually got them accepted at slightly below the list price, which has been unheard of over the past two years.

Greg Farber:
Right. All we’ve been hearing is going over market.

Mike King:
Right? So if if a friend generally like a year ago, if someone said to me hands the house for 650, I’m gonna offer 630 In my, in my mind, I’d say Good. Right. Good luck, you know, right. But it’s actually I think it’s starting to come back now. And I think maybe sellers are realizing that, you know, they can’t they’re not going to get into that that bidding war situation every time they put a house on the market. So yeah, I agree with that.

Kristin Buker:
Yeah, I mean, I think it’s really on their realtor to educate their buyers and their sellers, you know, the buyer should have a buyer presentation with their agent, and feel comfortable in that person, that they’re going to do the right thing for them. And they know how to write offers and, and whatnot. And on the listing side, you know, talk to the sellers, about the market changing. There’s been a lot of price breaks recently, because I think a lot of, you know, sellers feel like oh, but my neighbor’s house sold for x. Well, yeah, but that was like It sold a month ago. But it also was under contract three months prior to that. So it’s really not the same market anymore. So it’s more of an education to kind of explain to everybody, this is what’s really happening. And everybody just kind of understanding it and going with it, you know,

Greg Farber:
You always hear the phrase history repeats itself. And I feel like borrowers in particular tend to have a short memory. And no one really remembers that, you know, there was a time when we had rates that are higher than they are today or how recently we had a housing bubble and things like that. So you think consumer sentiment is kind of catching up to that a little bit now? Or do you think the average homebuyer slash borrower kind of still has a different feeling of where things stand than what you just shared?

Mike King:
I think that people people know I think there’s enough information out there and if they’re, they’re reading the news, and if they’re getting ready to buy I think it’s on their radar to get an idea of what rates are at.

Kristin Buker:
Yeah and to that point, too, I think going back to you know, what a buyers doing and why is it why is it been like a really quick change in the market is because I feel like with the media and the news and what they’re listening to the buyers think that the market is going to crash like any day now it’s going to crash and I’m just going to wait and then I can get my this house for really cheap. I don’t necessarily think that’s gonna happen. Hopefully the rates will go down a little bit more right. I think that they’re in a lot of buyers minds, they just think that the market is going to change so quickly that I think they’re a little hesitant right, those offers right now because they’re waiting to see right on Thursday, is it going to be worth 50k less you know,

Greg Farber:
so what everybody hears is that the market is very volatile, but in reality you’re saying the actual market is more stable than people might think. It’s changing…

Kristin Buker:
It’s changing but yeah, it’s kind of leveling out

Greg Farber:
Not crazy fluctuations.

Kristin Buker:
Yeah, I think it’s more leveling out.

Mike King:
Say more but more of a I don’t even know if you could use the word correction but more like a leveling out. Like you said, it’s not there’s there’s no crash That’s seems to be coming down the road. Right? My opinion anyway, so

Kristin Buker:
It depends on who you talk to. Right. Everybody has their opinions. Right, you know, But for the most part, most of the people are saying that it’s not going to have a huge crash. I think people thinking like maybe 2007 2007. Yeah, let’s have that again. But I don’t necessarily think that’s gonna happen.

Mike King:
That was due to some other reasons.

Kristin Buker:
Exactly right. Yeah.

Greg Farber:
And I imagine that’s part of your job, too, is really to make customers aware of how you perceive that and that this is still a good time to work with you guys and get where they want to be and find that house they want to buy or whatever, and not necessarily panic, right.

Mike King:
Well, what are the examples I like to use If someone does bring that up is okay, well, if you want to talk about 2008, well, maybe you bought a house in 2004. And then what was it worth in? 2008? Was that house worth today?

Greg Farber:
Right. So long term?

Kristin Buker:
Right.

Mike King:
Right. So it did come back and quite a bit over that so

Kristin Buker:
And quality of life to You know, What’s your intention with the property? Like, are you planning on living there long term, you know, raising your family, whatever it is, then buy it now? Why? What are you going to wait for? You know, if that’s a perfect house in the perfect area? Do it? And if the interest rates a little higher? Yeah, not fantastic. But call Mike, when it lowers and refi.

Mike King:
You can always refinance. Adjustable Rate Mortgages are becoming more popular now too

Greg Farber:
Every client seems to be a little bit different, obviously. But is there a kind of a, a most important thing that you think buyers really need to know when they’re entering the market for a new home right now? Is there kind of just a key, this is really where you need to start. Keep this in mind, and then we’ll, we’ll go from there.

Kristin Buker:
I think they need to be patient. First off…

Greg Farber:
it’s tough these days. We’re in this now society.

Kristin Buker:
We are and everything is moving pretty quickly and I know again, if we talked a couple weeks ago. Everyone was, Buyers are writing 20, 30 offers on properties for like a year and a half and nothing was getting accepted. But that has changed. But still you need to be patient because their are still homes that are multiple offer situations. And I say this to all of my clients and they probably dont believe when I say it. When they close, they admit that I was right. It always works out, ya know. When they find that house and they close on that house. and I say aren’y you glad this one didn’t work out “Yes, I’m glad this is the house.” So it is, it always does work out, even if it doesn’t feel like it when you’re in the middle of it.

Greg Farber:
I can attest to that same sentiment, where when we bought our current house, we looked at a bunch of different places. And yes, this one stood out as the one that we wanted to buy versus the other ones we looked at. But looking back some of the other places the neighborhoods have changed or things like that. And I’m very pleased that we ended up where we did. And so it was one of those where yes, sometimes looking back, it is more of a success story than you might think.

Kristin Buker:
Right, right. And the other thing too, that I think is important is they have to understand that time is of the essence.

Greg Farber:
Even though they have to be patient?

Kristin Buker:
Even though they have to be patient.

Greg Farber:
So hurry, don’t hurry.

Kristin Buker:
Exactly, right, exactly. Because really, you know, if, if, if that’s the home that you want, and, you know, we need to make sure that you’ve you know, Mike’s gone over the pre approval and make sure that the new interest rate matches what they want to pay per month and they can still get qualified. And at the same time you get to put that offer in and be available to sign things electronically answer the phone and like be available to get the transaction like kind of moving forward.

Greg Farber:
So you have to be patient to get it right. But then ready to act when the time is right. Exactly.

Kristin Buker:
Thank you

Mike King:
I don’t know if anybodys poker player, but it’s like you have to be patiently aggressive. Yeah, right.

Greg Farber:
There you go, that makes sense.

Kristin Buker:
Like that will go with that. Patiently aggressive,

Mike King:
Patiently aggressive.

Greg Farber:
So now we’re obviously we’re talking about what you guys do. But I want to focus a little bit more on you guys, versus just the clients themselves. How do you plan to achieve success or to continue being successful in the next few years? And and what does success look like for you? What does that mean, beyond sort of the obvious, you know, I closed more loans than the month before I sold more houses than the year before Sure. Beyond that obvious what is success for you? And how are you going to how you’re gonna get there or stay there.

Mike King:
It’s for me, for me success is, at this point, my career is to continue doing the job that I do, you know, being the trusted adviser to my clients and my referral partners and you know, taking pride in what I do. And then really just living a good life and being a good parent, and you know, and enjoying my time and my hobbies and my children and friends and so forth, you know, being able to balance that. To me, that’s true success.

Kristin Buker:
I agree. The freedom I mean, even more now, since COVID happened. I think a lot of people have adjusted their mindset. I mean, especially colleagues that I talked to on a daily basis, you know, life’s too short, you know, do your job, do it really well take care of your clients. take time off, be with your family as much as you can go on vacations and, you know, live a great life because tomorrow’s not guaranteed right?

Mike King:
I will say I’ll give Leader a plug because Leader makes it easy to do that, because we’ve got out of the app that we have to send out pre approvals. I’m at the beach, I’m at my son’s basketball game, and I’m sending out pre approval letters because someone sent me a text.

Kristin Buker:
I can attest to that. That is true. I call him like, every Saturday, right? Where are you on the beach? Okay, sorry, But..

Greg Farber:
While I was just gonna ask you that, I mean, you guys both work in high demand, time intensive positions, and you kind of have to be available for the client whenever they need you. And not necessarily when you want to be available. Right. Yeah. And and how do you I mean, obviously, you share the example of being on the beach and using an app to to handle the pre approval, but I mean, how do you balanced that work life? I mean, you said success in a lot for you is being there with family and friends and things and yet work is always there, right? How do you balance that?

Mike King:
It’s just, you know, it’s, I’ve been doing it for so long now, which is part of my life, it’s like, I could literally I was thinking about this in the drive in, you know, I could have, I can get a text message from my wife, I get a text message from an old college buddy. And they get they get a text message from a customer that needs me to, you know, update their pre approval. And to me, they’re all just text messages, I’m just returning them all. And like the third one, I’m like, okay, hold on, I gotta, you know, pull over or something like that, and pull up that app and send that pre approval out.

Greg Farber:
So everybody kind of gets equal space in your head. And that way, you can kind of kind of share that share in the wealth.

Mike King:
There’s definitely times when I just need to shut it out. You know, and when you kind of get that point, like, okay, it’s maybe it’s Friday at six and, okay, I’ve had enough, I just need to put the phone away for a bit and just, you know, just concentrate on living my life, but, but for the most part, it’s never really. It’s never really overwhelming,

Greg Farber:
right? He makes it sound like it’s hard work, but also fun.

Mike King:
Yeah, pretty much. It’s manageable,

Greg Farber:
Right.

Kristin Buker:
Your better, better at it than I am. That’s for sure. I’m not managing it.

Greg Farber:
But you said you had people that would help you out?

Kristin Buker:
Yeah, no, I do. I do. You know, it goes in cycles for me. Because, again, you know, it is a high demand, and things are happening very quickly. So I need to be there for my clients. And so that kind of, I steer that way a lot, because I don’t want a client to miss out on a property because I wasn’t available to them. Right. So, you know, it depends on how much business I have going on at the time. Where my where my balance is. So right now I’m really off balance.

Mike King:
Yes, your business is more of an in your face business too. Mine, I’m usually behind a computer or behind a phone. You’re like kinda face to face.

Kristin Buker:
Yeah, exactly. So yeah. When I have sellers that say, I don’t want to list my house today, you know, got a list that was today and five buyers say, hey, this house just came on. I want to go see it. I can’t really open house on Saturday. And who knows if it’s even going to be there on Saturday. I gotta, I gotta go. Right? And that’s fine. I’m okay with it. Because I, I love doing that. And if I didn’t, I wouldn’t be in this business. So my balance changes throughout the year. You know, sometimes it’s like, okay, I can do this. And I can shut it off at a certain time. And other times I can’t, Mike and I were actually talking about this on the way up that now that it’s like lighter out like at 8 – 8:30 at night, you know, I feel like I’m getting a lot more calls now. Like I’m doing more with my clients, because it seems like it’s only four o’clock in the afternoon. And then I’ll look at my clock. I’m like, Oh my gosh,

Greg Farber:
Like mentally everybody thinks so it’s still the middle of the day.

Kristin Buker:
Exactly.

Mike King:
The work day is still in play.

Kristin Buker:
I feel like in my head, it’s the same thing, too. I don’t realize it until after I’m off the phone too. But I do try to like do as much as I can as having weekends off. Right, you know, just to have a little bit more time and be remote with my family and do those things. Yeah.

Greg Farber:
So I kind of want to go back to the beginning. And we talked to the beginning how you’ve each found your way into your roles. And I kind of ended up in banking the same way, like I said, out of college, and then I spent 20 years in Residential Lending without really ever consciously choosing to do that as a career path. Right? It just sort of happened. And then it grew organically within that. And I’m glad I went down that path. So in parting, and just is there any, you know, advice for listeners that are looking to maybe get into the industry or those just starting out their career? Why this might be a good path for them? For people who are interested in learning more about your roles?

Mike King:
Sure. Sure. I mean, I, for me, I think it’s just so great to be able to be entrepreneurial. And you know, just make your own schedule and have flexibility. I’ve always said that’s probably the my favorite part of of being in this type of business.

Greg Farber:
Your success is up to you.

Mike King:
Exactly. It’s the sky’s the limit. Right, right. It’s how far how hard you want to work and you know, and just educate yourself and know what you’re doing. And I was but also from the personal side about just having that flexibility of you know, if you want to take a weekend and go someplace where you know, when you have kids and you want to go watch them play sports and you know, their dance recitals and so forth. There’s never a time you have to say well, I can’t get there because I’m working

Greg Farber:
You coach too right?

Mike King:
I coach. Yeah, Coach, you know, couldn’t you couldn’t count how many games I coach between basketball and baseball and football.

Greg Farber:
So going back to success you say the sky’s the limit. So in these roles, you can work as hard as you want, you can be as successful as you want, whatever that means. Some people success might mean different things, and you have the chance to sort of forge your own way.

Kristin Buker:
Yep. Yeah, sky’s the limit. You have to work for it, though. And I think a lot of people in real estate don’t really realize that because they watch HGTV, HGTV, and they think like, oh, I only have to show three houses, they’re gonna pick one, that’s gonna be it, or I’m gonna do an open house, and I’m gonna make all this money. And that’s it. That’s not the business. You know, you need to learn the business, you’re dealing with people, you’re dealing with a lot of money, you know, their livelihood. So you really need to learn the business. And I think some people get into it because of the flexibility, right? But flexibility as far as you know, if you’re sick, or if you do want to go on vacation, not like never go to work, right all week. That’s not what flexibility really means. But you have to have a passion to help people I feel like in this business, especially in you know, selling real estate, you have to passion to help people with a big part of their life.

Greg Farber:
Buying a house and getting a mortgage are some of the biggest life decisions most people will make during their entire lives.

Mike King:
Absolutely. Yep, Yeah. And I would say that, just like what Kristin said, and I did say you love the flexibility part, but you do have to be willing to work hard. Oh, you have to especially when you first start out, right? You have to be you have to work the weekends, the nights. Yeah. Put yourself out there and the benefits will come if you do the right thing, right.

Kristin Buker:
And you have the flexibility not to work either. You do. Right, right.

Greg Farber:
Well, you have the flexibility not to be successful.

Kristin Buker:
Exactly. And if you take too much, then that’s where you’re at, you know, you get what you put into it. Really?

Greg Farber:
That’s great. Well, thank you both so much. Thank you for chatting with me today. Any any final thoughts? Feel free and again, thank you so much.

Kristin Buker:
Thank you. I appreciate the opportunity.

Mike King:
This is great thanks for having us.

Greg Farber:
Keller Williams Realty showcase properties is not affiliated with or owned by Leader Bank, N.A. and all opinions expressed by Kristen Buker are her own and not the opinions of Leader Bank. For additional information on the credit costs and terms of any of the loan types discussed during this episode, including current annual percentage rates, please contact Leader Bank at 1-855-294-4488 to speak to a loan officer. Adjustable rate loans discussed have annual percentage rates that may increase after your loan closes. For more information on today’s subject, visit leaderbank.com. In addition to past episodes, you can also find our corresponding blog entries there for more insights. This podcast is a production of Leader Bank N.A. Equal Housing Lender. Member FDIC. NMLS number 449250.