The Reality of Real Estate with Chris and Bri
Brianna Lehman, the Realtor, and Christopher Lynch, the Lender, give a real take on making home ownership attainable. They break down real-life scenarios, trends in the market and give their personal tools to make homeownership not just your dream but your reality.
The Reality of Real Estate with Chris and Bri
Part 2 Guiding You Through the Real Estate Maze
Embark on a journey through the maze of home buying with your guides, Christopher Lynch and Brianna Lehmann. We're peeling back the layers of the process, from the pivotal home inspections to the critical appraisals, giving you an insider's look into the mechanisms that can make or break your path to homeownership. Get ready to arm yourself with the knowledge you need, as we share our own adventures and misadventures in the vast world of real estate, ensuring that the dream of owning your own home doesn’t just stay a dream.
This audio expedition isn't just about the bricks and mortar; it's a deep dive into the financial strategies and smart decisions that shape successful real estate transactions. Discover how the unexpected boon of a high appraisal can sweeten your deal, the subtle art of navigating loan types in rural settings, and the triumph of clearing the final underwriting hurdles. With our expertise at your disposal, learn how to transition smoothly from a renter to a proud homeowner, and why an inspection contingency might just be your offer's secret weapon. Tune in for a celebration of the clear-to-close moment, and let us help you lay the groundwork for your real estate success story.
YouTube: https://www.youtube.com/@LucasLiveMedia
Instagram: https://www.instagram.com/realityofrealestatepodcast/
Email: Brianna Lehman- blehmanrealtor@gmail.com
Email: Christopher Lynch- Christopher.Lynch@ccm.com
Hey everyone, what's going on? Welcome to the Reality of.
Speaker 2:Real.
Speaker 1:Estate podcast. I am one of your hosts, Christopher Lynch, and welcome my co-host.
Speaker 2:Hey everybody, my name is Brianna Lehmann.
Speaker 1:We give you a real take on making home ownership attainable.
Speaker 2:We will be breaking down real life scenarios, trends in the current market and giving you our personal tools to make home ownership not just your dream, but your reality.
Speaker 1:Get ready to be inspired, motivated and ready to take action towards building your own empire.
Speaker 2:Because when you invest in real estate, you aren't just purchasing a home, you're investing in your future. Hey everyone.
Speaker 1:Hey guys, what's going on? Welcome back.
Speaker 2:Yes, happy new year.
Speaker 1:Yes, happy, belated, all the holidays.
Speaker 2:All the holidays we're headed into Valentine's. Yep same patties, same patties.
Speaker 1:Cinco de Mayo and then and even though this is take two, and I'm just going to throw that out there- I still what holiday is at the end of May?
Speaker 2:Memorial day. Memorial day, we really just fast forward, but that's how we live. In this business, though, like I'm always a month or two months ahead of other people where I'm like oh, I'm looking in March and they're like it's January, yeah, so what have you been doing? Just life Work.
Speaker 1:And we had my. For the first time ever, my kids had a joint combined birthday party.
Speaker 2:Are they like? Are their birthdays both in January?
Speaker 1:Yes, they are four years and four days apart.
Speaker 2:Oh my gosh.
Speaker 1:Yeah, so much fun, yeah, but I think I would need to go on sister chats to say what I would want to say about that. Yeah and yeah. Other than that, just work and life and dealing with the normal day to day, how about you?
Speaker 2:Yeah, I am back full time at work now, since I took some time off to be with my family and kind of regroup and recharge from the end of last year that's very fair, addy, and I leave for Disney next week so I'm very excited about that. I was their Christmas gift and kind of our like mommy daughter healing trip. I guess I want to say so I'm excited for that.
Speaker 1:That's exciting.
Speaker 2:The weather, no matter what is going to be better than it is here.
Speaker 1:So actually today it's nice, like you better say hello spring to Ohio weather today.
Speaker 2:But by the end of the day it's supposed to be like 30.
Speaker 1:So just go to Disney, goodbye, no, that's good though. Yeah, we go to a marriage retreat next week. Like it's, like I don't our whole like division actually goes.
Speaker 2:And so that's cool.
Speaker 1:Yeah, last year was our first time going and it was really good and it was about parenting and just like different parenting styles and so, yeah, we're excited to go. I don't know exactly what this one is, but it's where is it?
Speaker 2:Is it somewhere warm Heck?
Speaker 1:no.
Speaker 2:It's here.
Speaker 1:Yeah, it's in Millersburg so yeah, Amish country. Yeah, hey, these like can you get off work a little early so we get I can go to some shops? I'm like sure I mean, where are you going to get some chocolates?
Speaker 2:Yeah, some fudge, and chocolates, Good coffee.
Speaker 1:I guess we had a good breakfast last year at this one little place I randomly found and I guess I will give them credit. The coffee was good because the coffee at the place was bad.
Speaker 2:Yeah.
Speaker 1:Yeah, but I'm a little bougie when it comes to coffee.
Speaker 2:So I do yeah, so fair. There, all right. So today we're picking up part two of where we left off, which was the home buying journey, right. You what did you call it that you didn't like journey?
Speaker 1:Or do now, I don't even know what it is it's. It can be a journey. Who cares?
Speaker 2:Home buying path.
Speaker 1:No process. No, you said it's home buying process. I said it's a journey, and or do you set like a roadmap or something? Oh, the roadmap to buying your first home or fifth home, 10th home, home, yeah, I guess yeah, cause we got into it about you need, like, how are you supposed to know, how are you supposed to know where you're going if you're, you know, on a journey and you need a?
Speaker 2:roadmap, but anyways okay so you better call Siri. Yes, that being said, today we're going to talk about the inspection process versus appraisal process, how they're both important.
Speaker 1:If they're both important, then you wanted to talk about, like underwriting and like and how I'm like from the lending side and what that looks like with title and then closing. Yeah, just kind of give a breakdown on those so home inspections. What's your thoughts and feelings about them?
Speaker 2:So what are?
Speaker 1:what are they?
Speaker 2:What are they? They're very important is what they are. One of the biggest questions I get, especially for first time home buyers, is can they have the inspection? Like, when does the inspection happen? Cause that's always like a well, can we have it inspected before we write an offer, which I understand that thought process but no, so the inspection happens after we write our offer. It's accepted. We're excited Within the first seven days. Typically, I like to have them done. Sometimes we'll write 10 days if there's a holiday in between there or something, but that's when the inspections happen. They are important. This is a huge purchase in your life. You want to know what you're buying, because I hate getting that call after where it's like hey, we didn't have an inspection and this, this and this is happening. Well, now I can't really. Yeah, I can't really help you. So during COVID such a dreaded time in our lives that I can't believe we're four years out.
Speaker 1:It's on the rise again, Chris.
Speaker 2:this is not that type of don't bring us down.
Speaker 1:The world is not shutting down. We have things to do, things to accomplish, we have lives to live, so we're good.
Speaker 2:So during that time rates were very low, multiple offers were very high. Sellers were getting anything they wanted basically. So a lot of buyers waived their rights for home inspection because unfortunately that would make or break whether they won the house or not. I'm not seeing that as much now. There are some, but I mean I'm in multiple offers still definitely. But giving up a home inspection is not a way to win for me. I never personally. I know every agent is different, but I'm going to say every time at least opt for your home inspection and then another episode. We can talk about ways to word it, strategies around that, but for right now, your home inspection happens within seven to 10 days of being under contract. The inspector themselves is very important, that is.
Speaker 1:Yes, that is huge.
Speaker 2:Very, very big. There are some inspectors who Should retire. Yes or just?
Speaker 1:Take a different field.
Speaker 2:And they scare buyers, you know. So, having a good inspector in your corner, just like everything in this process, making sure that you are represented and have skilled knowledge, yes people working for you is very important.
Speaker 2:The inspector during the inspection, depending on who, does it size of the house they're going to be about two to three hours, just depending, maybe less, maybe more. But essentially they go from the top of the house, from the roof, the attic all the way down to the basement. They're checking the furnace, the AC, the hot water tank. They're checking the mechanicals, what makes up the house, making sure that the house is functioning.
Speaker 1:Yes.
Speaker 2:Which the appraisal does not do, cause that's a lot of times we get those questions like, well, what's the difference? So, and then during the inspection, is when you, as a buyer, you have the right to go back and say, okay, hey, these things need to be fixed for us to move forward, the house is wonderful, we're going to move forward without any repairs, which happens sometimes. Or you have the right then to say, hey, based on this inspection report that we have, we're going to release and move on and find something else. So cost of inspection is always a big question I get, and that's going to vary depending on your inspector.
Speaker 2:Your inspector what inspections you're having done, from general to radon, to pest, those are all options and then the size of the home as well. It is not a refundable cost, unfortunately, but I always tell my buyers like you spent $350, but saved $250,000 knowing so, yeah, that's the nutshell of the inspection. We can get a lot deeper with it, you know, as we're going through them, but that's just the general like here we are, and then the sellers will either agree to fix some things, maybe give you money towards things, a home warranty towards some things, and when it comes to money, what?
Speaker 1:she means by that is they will say like you know, in the contract it'll basically be labeled as, like a seller concession. They're not just going to hand you the cash Right right To take care of it.
Speaker 2:Can't do that actually.
Speaker 1:It's very illegal, very illegal.
Speaker 2:But what I have had sellers say in the past is like, hey, we're not going to have the time to make these repairs because we're trying to move as well, but we will give you, you know, $1,000 extra towards your closing costs at closing to make this, or we'll pay for it and you have the work done.
Speaker 1:There's there's, there's ways to make it work. Yeah.
Speaker 2:Right, for sure yeah.
Speaker 1:And then for an appraisal, which is like it is a big question, especially for sellers, are just like, hey, like should I have my home appraised before I even put it on the market? Or like, who pays for the appraisal and all that? So one, I will just say that I'm not a huge fan of sellers paying for appraisals before they list their home. It's just really, in my opinion, it's a waste of money because the value could be different and but that appraiser also isn't looking to check boxes that they technically would when financing is involved and especially depending on the loan type. So they could tell you that, hey, your house is worth 375 and it's a great home, all this that and the other. But now you've just paid five to you know, $800 for this and you didn't need it.
Speaker 2:And those are typically for like hey, we want a home equity line, come out, appraise our home right. Like is the process different when it comes to before your house is listed versus you're under contract and here's-.
Speaker 1:No, like some people want to like, that's just, that's not the big difference. But some sellers, if they don't know what their house might be worth or if they're like, hey, I don't know if I want to use an agent, and like they want to just hop online and like it, just it's not always right and it's not always going to apply. The downside to that is is that once, if you do that and you get this number in your mind that you're set on, and then here comes, you know buyers who make offers on your house and I order an appraisal and that appraisal comes back and it's not that same value. Sure, we can use that chat, like we can use the one you have, and just say, hey, like, okay, like what are the comps and things like that. But my appraisal that I've ordered when there's financing involved is going to stick compared to whatever you paid for.
Speaker 1:So it's just a waste of money, in my opinion.
Speaker 2:And even to challenge an appraisal.
Speaker 1:It's hard.
Speaker 2:How often do they like we'll get some money back, but it's never.
Speaker 1:We had one like I don't even know how many months ago, and he increased it a little bit.
Speaker 2:You and I.
Speaker 1:Yeah.
Speaker 2:Yeah, I can't remember.
Speaker 1:I just know it was a bungalow and it was in North Canton and they gave us like a cup, like $2,000 back, maybe I can't remember.
Speaker 2:Anyway, it's very rare yeah.
Speaker 1:Challenge it, but if not, they're just like nope, I know what I'm doing. Here goes your comps.
Speaker 2:Right.
Speaker 1:And try again and go play elsewhere.
Speaker 2:So I always get the question from buyers like do I have to have an inspection? The bank is going to have an inspection right, they're different.
Speaker 1:So they are, but, like, appraisals are all the same, it is an appraisal and so, like, what happens with an appraisal is that a licensed appraiser is going to go out to the property and they are going to appraise the home that they are looking for Is they're making sure that there are no hazardous conditions affecting the home. So, like you know, the roof can't be fallen apart and you can't have stairs up to the front porch that are deteriorating and if you step on it like a lawsuit is waiting to happen.
Speaker 2:Handrails yeah, updated electrical.
Speaker 1:Well.
Speaker 2:GFCI.
Speaker 1:Yes, but like they want to look for making sure, like to say hey to whatever the bank is, financial institution, that the collateral which is the property is, this is the value, it's a great piece of collateral and here you go to support your loan. And but an appraiser's job is to kind of help basically make sure that this all ties together. They're not there to go out and just kind of throw a number on a piece of paper or flag all these things that aren't necessary. And don't get me wrong, sometimes you know things get flagged and you're just like, really you flagged that and so like you can address it and we do, and if it makes sense to have that condition removed, perfect. But if not, we have to trust the licensed professional and their experience and knowledge to say that hey, like what you have provided and supporting with comps and everything else that you have done in your years of experience, to tell the bank who needs to be able to lend on this property that we have the ability to move forward.
Speaker 2:Right and if there is like for FHA, is typically where we see most appraisal required repairs which are FHA, VA and USDA. Yes, I would guess that I've done more FHA in the last VA too.
Speaker 1:I don't do as many USDA, but so Because you ain't getting out there in those rural areas? That's where I'm from, I know that's where my parents live, so you should be.
Speaker 2:But chipping paint.
Speaker 1:Yes.
Speaker 2:Handrails, yeah, some GFCIs. Those are things that we're probably not going to get to challenge and say, hey, we're not doing these things. They're going to say these need to be done. So that again goes between the buyer and the seller how we're going to negotiate it and fix it, but if they're not done, then lending on this particular property in this particular loan type will not happen, correct?
Speaker 1:Correct, yes, and then. So then the conversation becomes can you switch the loan product? I'll be honest and just put it out there. I can only speak for myself and my team. But we're always going with the loan product that best suits the client. And so sometimes, sure, and it's like, hey, well, they have an 802 credit score, that's great, but their debt to income ratio is a 56.
Speaker 1:We've already gone through the channels to make sure that we are pairing the best loan product to best fit their needs, and sometimes we can make changes and sometimes we can't, but we're doing what is necessary. And one thing that I just sometimes do love is that I had a deal, a few deals, at the end of last year, to where the homes have a praise for more and so and then. But if it is in a rural area and if we had it set up as FHA, maybe it does make sense for them to be able to go USDA. Because if they're under contract at 140, the house appraised at 150, then it's revisiting the conversation of, hey, let's go ahead and play around with these numbers, see what makes the most sense, because now what you were bringing to the table, should you pay off some debt? That?
Speaker 1:Right you know, especially if you've been renting and like your monthly housing payment is already going up, how do we make best use of your money? To put you in a more realistic financial picture, and it's about teaching people about financial wellness and so, like you have the ability to change things around, not all the time, or sometimes if an appraisal comes back and if it is higher, then we can have the conversation about increasing that purchase price and then asking for those concessions, even sometimes if there are Conditions or like repair requests on that report. But it's it just kind of comes down to like who you're working with and and who.
Speaker 2:That ties into representation, having agents who. So when I go through a property and I know my buyer is an FHA approved buyer, I'm looking for FHA requirements things that I know During our appraisal. We're going to have to address these things and a lot of agents will Put in the MLS like conventional or cash only because they know FHA, usda or VA loan won't Pass.
Speaker 1:But some don't do that and even sometimes when they do, we've had deals to where I've had to call a listing agent and say hey, unless there's something that you didn't Share on these photos, is there something that, like it's not there to?
Speaker 2:be seller preference. Yeah, because they don't want to risk it but Make so. I always check as I go through making sure I'm running comps for buyers as we're writing Offers. Even if we're in multiple offers it doesn't always make sense to be the highest offer on the table like. There's other ways to structure our offer and inspections and appraisal is one of those you know. So I've had FHA buyers say we're willing to do any FHA required Repairs because what it's it going to be? A GFC out, gfc I outlet or a handrail, we'll do it. And those have won my offers, you know so I am putting up no handrail.
Speaker 2:I don't even know how I've had a client redo an entire deck because they had the means to do it. They knew that they could. He's like I'll do the deck if that gets me the house nice because I'm going to live there anyway. I'm going to redo it anyway can we call Bob the builder?
Speaker 1:yeah, I don't, I don't recommend that on every deal.
Speaker 2:But that was just one and again, I'm sure that we can talk about that in a later episode of like how we can use appraisal or appraisal. I'm sorry, an inspection to make our offer look better. I feel like to wrap it up. The inspection is for you as a buyer. It is not required, but highly recommended for you to do. The appraisal is required if you are finance buyer, not if you're a cash buyer.
Speaker 1:I have had cash buyers ask for that, yeah and as that's their right to do so, and it depends on your loan type and what's going to be asked about it or what would be required with it, right?
Speaker 2:conventional is much more lenient than FHA, but I have had conventional appraisal appraisers. I can't speak, ask for things.
Speaker 1:I remember the one about the grass being too high. I was cut grass.
Speaker 2:That's on my appraisal. Cut the grass that it was.
Speaker 1:It was not a deal with me, but that does not.
Speaker 2:That does not happen. Everybody watching, listening that I still can't even think it was so it was so funny. But anyway, okay, so moving on to underwriting yeah, underwriting is a fun, stressful process.
Speaker 1:It is because, like, they don't know. What I always like is for an underwriter's perspective is that they don't know you, they don't know. They only know essentially what the loan officer and depending on how that loan officer's team is set up, but what that loan officer and the processing team have put together to essentially hand over to them. And so there are sometimes so where, like, they can't ask for letters of explanation just because, again, they don't know you, and what you don't want an underwriter to do is to formulate their own story about you. And because someone's credit report tells a story, but do they know?
Speaker 1:Just based upon the credit report. The credit report doesn't say that you know you had death in the family, that you lost your job, that you know like, or you went from working full time and had to work part time because something happened, and now, like this is your new normal, and like why that happened. So, like you have to work hand in hand with your loan officer and that loan officer needs to work hand in hand with the processor. So then, that way, when a file goes to underwriting, that underwriter is prepared and they also know, like this is what I'm doing and this is all here on the table for me. But they've kind of dotted eyes, cross-tease and have everything. But your underwriter is the one who basically makes the final decision on whether or not if you are going to get your final stamp of approval that's when we get our clear clothes yeah, and sometimes three words there are.
Speaker 1:I mean, there's better words, but and this that those. Those are the best three. I mean initially it's offered ctc.
Speaker 2:When I get that email, you are ctc. That is so good calm down. We've worked this whole time. That's that is true.
Speaker 1:That is true. I'm not trying to discredit it. But then there's also before you get that ctc, you get a conditional approval.
Speaker 2:And a conditional approval is funny because we actually keep you on your toes because you're like we're almost there.
Speaker 1:Yeah, hold on um but that is where, like, if they don't like something, that's where that letter of explanation kind of comes into play. Or if, like, your income is different than something that we've already provided. Maybe you got a bonus last year and you don't have one so far this year, and when did you get that bonus? Or, if you're year-to-date, earnings for last year were higher than what you're on pace for this year. Is it because you work a lot more in the summer, whatever it might look like? Um, just like, we have to kind of fill those conditions and just give updated information, which is helpful. But the underwriter is our best friend and we need our underwriters to just say like, yeah, like I like this file, and even if they don't like it, give them anything possible to say like, hey, yes, I know why I should trust your opinion and believe their story, to say that we can move forward.
Speaker 2:Cause you and I have had clients where we're getting down to underwriting that conditional approval and we're like is this gonna happen? Cause we can't control everything that a buyer does, especially in their credit profile, like they're using credit cards, they're missing a payment, whatever that may be, and then we get to the underwriter. You're behind the scenes pulling strings and where we're doing all the things to make it happen.
Speaker 1:Adding gray hairs to my head and yeah so having those relationships.
Speaker 2:So cross country has your underwriters in office.
Speaker 1:Yeah, so we have my division. We have like two of our underwriters are in our office. Doesn't always necessarily mean that their like current workload allows for them to be our underwriter on like that specific file, but they do like those are our preferred underwriters and essentially like they would get our files before they'd go to like corporate office.
Speaker 2:Okay.
Speaker 1:And then. But our operations team is 100% in-house, Like that's like processing and so like they're going to do all the things that we need to make sure that we do get either a really clean conditional approval or we get an easy PZC-T-C right out the gate. Okay, but it is frustrating when you do go into underwriting. You do go into underwriting and like something happens. It's like you know someone took out a new car loan or like you feel like you got sucker punched.
Speaker 2:Yeah.
Speaker 1:And or like Mike Tyson just came up and bit your whole ear off, like what just happened, like that's how you feel in that moment. But then you have to keep it together and if I Pivot, yeah, pivot like no other Pivot what we're doing, and but it's funny because you'll say it never fails, you'll always say okay, well, like, are you nervous? Should I be nervous?
Speaker 2:Yeah, that's I. Yes, we've had. I'm like if you're not nervous, then I'm not worried about this, like I'm not going to think about it. If you're nervous now I need to go full speed, figure out what we're going to do. I need to have a come to Jesus moment with my client the listing eight like how far do I got to take this to save this?
Speaker 1:So and, but I mean at the end of the day it's a part of the process, you can't avoid it, and files just don't close without an underwriter approval. Right, and it is what it is. The other thing we can talk about is like title Title and lending work hand in hand. From the moment that you have that offer accepted and whatever the title company is and the purchase agreement that all parties have signed, we on your side of it that's who you're most times given like earnest, like you know figuring out earnest money with, you're going to share contracts, addendums, all that fun stuff with them. But we are also then going to order, make a title order, and they're going to essentially comb through everything to make sure everything is like paid and tell us how to essentially keep this together. But they'll also tell us if anything is wrong. So like, if, like when I bought my house, the guy had mechanical leans because he never apparently cared about anyone other than himself.
Speaker 1:And they did terrible jobs on things.
Speaker 2:But that's why they didn't get paid.
Speaker 1:No, he was just raggedy, and that's the nicest thing I can say.
Speaker 2:Okay so they're going to check for clean titles, but if you don't, have that like, we would have never known. Right.
Speaker 1:And so, like you need the title company to kind of keep everything in line to make sure that you can go forward.
Speaker 2:And a good title company, a reputable title company, a title company that is like they just know your area, like I've worked with title companies that were out of Toledo before on investment properties or bank owned properties, and it just I mean we always work it out but there's things that they don't know, like property taxes and just certain situations where it gets kind of.
Speaker 1:Cause they don't. They're not I'm not being like mean or you know about it, but they don't, like they're not from the area. And if they're not doing deals in that specific area, then you would think that something should just be known, because, like, this is what you do every day, but that's just not always the case, like because of how, even from like financing side, the way that property taxes are paid here in Stark County are not the same way that they're paid in Franklin County, in Columbus, and so, like, if you don't know those things, then you're not doing it correctly.
Speaker 2:Like, the prorations will be off the final numbers cause the settlement statement might be not as accurate as it should be.
Speaker 1:But yeah, but then. But I mean working with a local title company, same way with working with a local agent, local lender. It is it's to your benefit as the buyer down the road. If you want to refinance and use someone else, by all means do that. But in the purchasing part of it, it's just a huge benefit to you to work locally and take the recommendations from those who have been doing this and working with these other places. Lastly, it would be closing.
Speaker 2:Yeah, the best day.
Speaker 1:It is, it's like it's the, it's the final stamp to just like you know, like seal this off and say like hey, like you did it and you always will have turbulence, I feel like throughout your transaction. And whether it's, it might like your loan could have been smooth and easy peasy, but maybe it's just like, oh, we agreed to this possession and now we don't want to because now it's our house and but at the end of the day, like you actually, from start to finish, you made it and when that ink is dry, recorded and transferred, like you're getting keys and like the house is yours and if you are working with us, like we're here to be with you for life. But closing day is the best day in a transaction.
Speaker 2:Yeah, you can get to meet with the closer, sign a bunch of papers and it is all worth it.
Speaker 1:Yes, so it just like some people can do a hybrid closing where part of it is e-sign.
Speaker 2:Yeah, those are very common right now.
Speaker 1:Yeah, which it's nice, but it's also like, for I always ask my clients what should they prefer? Because if not, they are sitting at that table signing their life away and like and however your name is on your application and how you fill out your stuff is how you're signing it, but it's, it's your name and you know you should proudly write your name on the dotted line there to kind of just seal the deal.
Speaker 2:Yeah, be proud of yourself. Yes, the moment to be proud and happy, and we're proud and happy too.
Speaker 1:Yeah, I love it.
Speaker 2:All right well that's good. Do you have anything else to add? No, that was good. None either. All right, thank you for listening and watching and joining and we will see you guys next time.
Speaker 1:Yes, bye guys. All right, friends, as we close things out today, remember, homeownership is more than just a roof over your head. It's a symbol of your strength, resilience and determination.
Speaker 2:Take action, embrace growth and never be discouraged about where you are in your journey.
Speaker 1:And remember to follow us on Instagram. At reality, at real estate podcast.
Speaker 2:Our emails are linked in the description below. You can reach us at christopherlynch at CCMcom. And my email is blayman realtor at gmailcom. All right toodles.
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