WEBVTT
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Welcome to Reverse Mortgage and Beyond, the podcast where we take you inside the world of reverse mortgages.
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I'm Cheryl Schidel and I have been in the mortgage industry since 2002 and have specialized in reverse mortgages for the past 10 years.
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We'll cover topics like reverse mortgage basics, purchasing a home, and the myths about reverse.
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You'll also hear from some trusted referral partners.
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Let's get started.
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Hello everyone and welcome back.
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I'm Cheryl Schidel with Barrett Financial.
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Welcome to my show, Reverse Mortgages and Beyond.
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And today I've got these beautiful ladies with me, all women-based companies, and I just like to introduce them all.
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And then what we're going to do is we're going to ask them some questions about their industries and let you know how to get a hold of them as well.
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I just want to be a resource to my community, and this is how I'm going to be doing it.
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Catch my episode on reverse mortgages.
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I talk about reverse basics, the myths about reverse mortgages, how to purchase a home with reverse mortgages.
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You can catch that on another podcast on this station.
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I appreciate you joining in.
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Today I have Miss Lydia Wheatzma from Next Home Realty.
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And she's going to be talking to us about what's going on with the market, buying and selling homes.
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I also have Shauna Treat from First Response Roofing.
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And then I also have Jenny Gable from Like New Painting.
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So we're going to go ahead and get started.
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I'm going to start with Miss Lydia Wheatzma, and we're going to have her give us her background and then we're going to ask her some questions.
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So go ahead and get used to intro.
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So I've been a realtor for 22-ish years.
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I got sucked into real estate and it kept me in, and that's what happened.
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So I I ended up um working for a lot of the large brokerages, you know, over the years.
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And I just recently purchased my own brokerage with my business partner, Raquel.
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And so we have we have our own next home office.
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Well, you also have this book, so let's just start there.
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Yes.
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Okay.
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Tell me about your book.
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So I have my main business is uh seniors and probate work.
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And so over the years I've had a lot of friends in the senior space, and many of them have been working for some of my probate attorneys.
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And so over the years they've asked me, you know, you've got so much knowledge you should write a book.
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And I wrote a book last year called Solving Life's Next Chapter.
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It's all about experiences that I've gone through with my seniors and adult children having to deal with the property once they have inherited them.
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So it's it's been a great, it's been a great experience.
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Congratulations on that.
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That's awesome.
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Well, and to that point, so that's how Lydia and I came to be is I've been in the mortgage industry since 2002, and then about 10 years ago, I had three reverse mortgages fall into my lap.
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So I've been doing reverse mortgages for 10 years.
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Lydia is a senior certified rever uh realtor.
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And so over the last couple of years, we've been in contact, and then recently just a lot in contact.
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Yes.
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And so it's been awesome because we just care for our seniors, um, you know, in that in that demographics, and we love working with our seniors, and so it's just been a great, um, great relationship.
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I will have to say, I'm gonna let you all know that we also have a radio show on AM 960 the Patriot.
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I'm on Sundays at 3:30 about reverse mortgages.
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Lydia's on at 3 o'clock on Sundays, 960 a.m.
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the Patriot.
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That's in Arizona for those of you who are watching from out of state.
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So, all right, so we've gone over Lydia's background.
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Um, what trends are you seeing in the Arizona market?
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So, right now, obviously, the last few years, um, it's really been a seller's market.
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And in the last year, it's really changed to a buyer's market.
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So we have a lot more inventory on on the market right now.
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And back when COVID hit, we had very few on the market, and now we've got quite a few more.
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So buyers have more options, and uh because of that, the competition is pretty strong when you've got multiple listings.
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So listings are definitely, you know, if if you can't work with a listing on one street, there's probably one on the next street that they can probably look at.
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So it truly has become a buyer's market in certain areas.
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Some areas it's a little more even, and in very few areas it is a seller's market still.
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So it really depends.
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The trends have been really kind of all over the place this last year.
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Uh okay, so obviously that's for the local market, but then you work with people that relocate to Arizona, and then you can guide them to the area that that would be possibly best for them.
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Okay.
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And the funny thing is, you talk about trends.
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We had a client here in Arizona that sold their house and moved to upstate New York this within the last four months, and they were trying to buy a house there, and it was it it was a frenzy out there.
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They every time they put an offer in, it was multiple offers.
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So, really it it's good to reach out to a local realtor that understands their market.
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Perfect, perfect.
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So you're gonna want to reach out to Miss Lydia.
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So, how does a seller uh concession buy down work?
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So, what we're doing now with buyers is a lot of um, because interest rates have gone up the last couple of years, a lot of buyers are hesitant to even buy.
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But what we're doing is we can offer or we can ask the seller to come in and basically ask for concessions.
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And with those concessions, you can do multiple things with them.
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Buy down your interest rate is a good one, or use it for other, you know, resources later on if they need, you know, paint or carpet or roofing, things like that.
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Um, and also closing costs, your title fees and things like that.
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Well, and just the punch list from when they did their inspection.
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Exactly.
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Okay, exactly.
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So it's it's really a good way for buyers to get into a home, make it their own, and uh even get possibly their interest rates lower too.
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So we like that, of course.
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But we even though we're all like, oh my gosh, the rates, the rates, the rates, right, we're still in a good market for the rates.
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Absolutely and it's always a good time to buy because even if the rate is what it is today, it's gonna go up and down.
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Right.
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And just the trends that we see over the years, Lydia and I, when the girls are, we always listen to the Cromford Report, which tells us what the market's gonna be doing.
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And so, you know what?
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My dad did loans in the Carter days, and it was 18%.
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So we're still looking good.
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My first house was 18%.
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Yes.
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So we're still looking good.
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So don't let the rate buy now.
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That's that's what I want to say is buy now.
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Um, what features do buyers want most in Arizona?
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So what's happening now is, you know, there have been times over the years where you could throw anything on the market.
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It could be, you know, it could, it could have orange carpet or yellow carpet or purple carpet or and it would sell.
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But right now, what buyers really want is they want the latest and greatest in everything.
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They want the newer carpet or floor, and not carpet, the newest flooring.
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They want the there's certain paint colors that they're looking for.
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They want um certain kitchen features, bathroom features.
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Those are your main focuses.
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Backyards are really big with kids.
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And so, right now, if you have a home and it's in pristine condition, it will sell over one that maybe someone has to go in and and put some things into it.
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So I'm gonna give an example.
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Literally, just right before we got here today, I was talking with somebody, and they're looking at a house, 1980s, with the green shag carpet and all the stuff.
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So they're able to negotiate.
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Yep.
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That way they can get, you know, they can rehab the property after they get it.
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Right.
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And and that sometimes that's what we could use those concessions for as well.
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Good.
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And that's the other thing.
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What is your opinion?
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I'm going on, I'm just gonna ask, because I have people telling me, before I sell the house, I'm gonna do this and do this and do this, and they're gonna remodel and then they're gonna sell it.
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And then I'm like, wait a minute, don't do that because they might not like that when you sell it, and now you just wasted all that money.
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So your opinion is the same, like yes, okay.
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So especially because I am in the senior world and a lot of my clients haven't remodeled their home in years.
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Some of them have lived there for multiple years and decades, decades, even, yes.
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And so that's the first thing that either the senior and or their adult children ask me is should we remodel the house?
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And to be honest, I it really if it's only needing paint or it's only needing a roof or it's only needing a little bit, I would do it.
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But if it needs a full-blown uh remodel, I would totally not do that.
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Because the new just lower the price and let the buyer come in and do their own thing.
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Because a lot of people want with all the shows out there, you know, the DYI things, people want to, they feel like they know what they can do.
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And if they only do a little bit, they don't do the entire thing, it's not gonna give them any more money anyways.
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Right.
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So it it's and it's not dollar for dollar.
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It's not dollar for dollar.
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So it really makes sense for them to just lower the price, get it out there, let that person, it might even be a first-time homebuyer that maybe wants to do their own thing and put their own plan and touch.
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Exactly.
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And sometimes I've had over the years too, where families will remodel their entire house and then the people come in and they change it all away anyway.
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So you know so wasteful, and that's why costs and supplies are going up.
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Yep.
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Right?
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Right?
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Yep.
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Okay, so what's the best way for people to get a hold of you?
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So my number is 602-363-1720, or you can email me at Lydia at ArizonaPoweragent.com.
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Okay, great.
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So we're gonna still go around here, um, and then we'll come back to Lydia in case you think of something else you'd like to say towards the end.
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Um, and then I would just like to say, so I do reverse mortgages.
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So um obviously catch my podcast on reverse mortgages, but what I'm doing is I'm bringing in referral partners that I like to use to have seniors or anybody that for that matter use the equity in their home to do the things that they need to do with it.
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So a reverse mortgage could help that senior pay for a new roof on their house, pay for painting the house.
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So these are just resources for you to use.
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So next I'm gonna bring on Shauna Treat, and she's with first re uh first response roofing.
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Yes.
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And um, so thank you for joining us today.
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I'm so excited.
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I'm just loving that we're having women-owned businesses.
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I'm gonna say that again.
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This is girl power, right?
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Here, this is awesome.
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So, all right, Miss Shauna.
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Um, what makes first response roofing different from other roofing companies?
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So, the biggest thing with first response is the educational piece, and it really is the report that we send to you after we do our free inspections.
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Um, we'll come out to your home, do a free inspection, and then you're gonna get a report from us that has pictures of the underlayment of any cracked tiles, things that you're not gonna see because we're not on our roofs, right?
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Um, we're gonna do that, and then our estimator is gonna come down and share that with you and advise hey, the the underlayment is in satisfactory condition.
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The underlayment is you're gonna need to replace it sooner than later.
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What is underlayment for people who don't know?
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Sure.
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So the underlayment is the boards that are directly underneath the tile or the shingles, whatever um that is underneath whatever your roof is.
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Okay.
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So that's what we want to look at because once your underlayment is shot, then you are gonna start getting leaks, and then we have bigger problems where you are gonna more than likely need a restoration or um have insurance involved, whatever the case is.
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Okay.
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So I got right into our questions, but give me a background about you so that everyone could get to know you.
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Yep.
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So I am your blonde roofer, so Sean a treat.
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I love it, which I love.
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Um, so first response roofing has been around for three and a half years.
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Um, we have 20 years of experience um in the industry, and so the owner of the company, she um was with another company and they decided to do things that were not ethical, and she did not want to be a part of that, and so um she's she tried to purchase the company, and you know how that is.
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You're like, I want one trillion dollars for my company.
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Right, right, right.
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So she's like, okay, we're just gonna start our own thing and stuff.
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So um, my it's so funny because my background is in mortgage.
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I started in 2002 as well.
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Okay.
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Um, so I've seen the gamut from everything back end.
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So I have a lot of knowledge when it comes to mortgage and and things of that nature.
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Um, but roofing is it's a brand new world for me, so I'm loving it.
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So as a mortgage person, could they do the roof before they close if they're refinancing?
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Do you do that type of paid at escrow type of closing?
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Absolutely.
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So people can finance through their mortgage their roof.
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They can.
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Whether it's a 30-year fix, cash-out refi, we as lenders, loan officers, we could do that.
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So just everyone out there, just so you know, we can do a paid at closing.
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Yep.
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And that's where you close, and then that money is paid right from title right to the uh roofing company.
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So that's just really important to know.
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It is not every roofing company does this, right?
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Um, so that's a really good question to ask if that is a concern because roofs are not cheap if you have to replace the entire thing and you want a good quality.
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Well, and I was just with a client the other day, and I was telling her all about you.
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She's like, Well, I I'm so she's a lady who's been in our house for over 20 years.
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She's like, I'm gonna need a new roof, and she's getting a reverse mortgage, and I'm like, I've got the right person for you.
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So we'll take care of her.
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Um, so what are the most common mistakes homeowners make when it comes to their roof?
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That's a really good question.
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So um, getting your roof inspected on an annual basis, and I know this sounds annual.
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This sounds so crazy.
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Um, but here's the deal: have us come out, it's completely free.
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We will look at it, give you all the pictures, write it up, send it to your insurance agent.
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There's nothing wrong with it.
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Your insurance company knows you're doing your due diligence to make sure that you're getting your oil change.
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So that's not gonna ding them for a claim or anything.
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No, no, but it's double checking.
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Nope, nope.
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And that's the other thing.
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And I'm so glad that you mentioned that.
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Call us before you call your insurance company for a claim.
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Let us talk to you about what is your deductible.
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Let's look at your roof inspection, everything.
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Maybe your deductible is$500 and you just need to spend$800.
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There's no sense in putting a claim out there for$300.
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Right.
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Because that claim is forever on there, whether you use it or you don't use it, and that could affect you later on.
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Right.
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So it's best to call us first and let us help you through that process.
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Okay.
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And we can we can help guide through that.
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Great advice.
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Okay, good.
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Now, so we actually had a rainy day last night, or a really bad rainy night.
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So I was excited about that.
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Yeah.
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So we're talking residential, but I'm gonna do a plug for you.
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How about commercial?
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Because I was at a restaurant, they had all these buckets around.
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Do you do commercial?
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We do.
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Okay, good.
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We sure do.
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Flat roofs, commercial, residential.
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Um, we do gutters as well.
00:16:11.039 --> 00:16:13.679
Gutters are a part of the roof as well.
00:16:14.000 --> 00:16:14.879
Gutters, okay.
00:16:15.039 --> 00:16:17.600
Flat roofs, um, do they have a different type?
00:16:17.919 --> 00:16:23.519
Is it foam or is it different types of it's foam, and you want to you want to make sure that you get that looked at.
00:16:23.600 --> 00:16:26.320
Um, foam needs to be replaced every five years.
00:16:26.559 --> 00:16:26.799
Okay.
00:16:26.879 --> 00:16:38.480
Um, but we still need to do an inspection um because maybe something around the vent or something along those lines is going on, and let us let us seal that better if something does happen.
00:16:38.720 --> 00:16:42.799
The sun is brutal, we know out here in Arizona, and anything can happen.
00:16:42.879 --> 00:16:45.600
The wind is insane when with the monsoon season.
00:16:45.679 --> 00:16:46.480
So Okay.
00:16:46.720 --> 00:16:47.039
Okay.
00:16:47.200 --> 00:16:51.519
So how do I know when it's time to repair or replace my roof?
00:16:51.679 --> 00:16:51.840
Yep.
00:16:51.919 --> 00:16:53.600
So it goes back to that underlayment.
00:16:53.679 --> 00:16:59.360
So really that comes back to your roofer and making sure that you're getting that annual inspection.
00:16:59.440 --> 00:17:00.639
It goes hand in hand.
00:17:00.720 --> 00:17:02.799
Um, and let us look at your underlayment.
00:17:02.879 --> 00:17:06.480
We'll tell you, hey, it looks like you have about five years on this.
00:17:06.640 --> 00:17:08.079
Prepare for a new roof.
00:17:08.240 --> 00:17:16.079
Um, with us, we're gonna look at the entire thing and let's just say the south side of your roof is shot, but the north side is fine.
00:17:16.319 --> 00:17:16.640
Okay.
00:17:16.880 --> 00:17:20.079
We do not require you to replace your entire roof.
00:17:20.160 --> 00:17:20.240
Okay.
00:17:20.480 --> 00:17:25.039
We will take the portion that needs to be replaced and take care of that for the room.
00:17:25.200 --> 00:17:26.640
So that's the ethics thing that you're talking about.
00:17:26.960 --> 00:17:27.359
Absolutely.
00:17:27.599 --> 00:17:28.079
Oh, that's good.
00:17:28.319 --> 00:17:33.839
We're not gonna put anybody in a position if they don't need it, and then prepare them for, hey, five years down the road.
00:17:34.000 --> 00:17:36.720
And we do have um credit options as well.
00:17:36.880 --> 00:17:42.240
So if you don't go through a lender or anything like that, um, that is an option.
00:17:42.480 --> 00:17:43.279
Good, good, good.
00:17:43.440 --> 00:17:48.480
Um so what does the process look like when you're working with first response roofing?
00:17:48.799 --> 00:17:49.039
Yep.
00:17:49.200 --> 00:17:57.359
So um we have amazing women in the um in the office that will take care of your phone calls, they'll schedule the appointment for the inspector to come out.
00:17:57.519 --> 00:18:03.519
Um, my girlfriend, actually, single mom lives all alone, was a little nervous, right?
00:18:03.759 --> 00:18:05.599
Got the picture of who's coming out.
00:18:05.759 --> 00:18:08.079
We were very good about the the communication.
00:18:08.319 --> 00:18:09.680
That's when I wanted to stop you right there.
00:18:09.839 --> 00:18:11.359
Yes, that was what I was gonna ask you.
00:18:11.519 --> 00:18:15.119
So it's women-owned, but it it's not women on the roof putting the roof in.
00:18:15.279 --> 00:18:15.440
No.
00:18:15.680 --> 00:18:22.240
Okay, so continue what you're saying, but I just want people to know it's still men doing the roof, but you just never know, right?
00:18:22.799 --> 00:18:24.559
Okay, exactly.
00:18:24.799 --> 00:18:27.680
So they took a picture so people know who's coming to their house.
00:18:27.839 --> 00:18:28.079
Yep.
00:18:28.319 --> 00:18:28.960
For safety reasons.
00:18:29.200 --> 00:18:30.799
For safety reasons, exactly.
00:18:30.960 --> 00:18:33.759
Um, and he'll go up and he'll talk to the homeowner.
00:18:34.000 --> 00:18:34.960
You can you can be home.
00:18:35.039 --> 00:18:43.759
You don't have to be home either, but if you are home, um, they are gonna come and talk to you, let you know what's going on, answer any questions, any concerns that you have.
00:18:43.839 --> 00:18:49.119
Um, and then we do follow-up calls as well, and um just make sure that everything is good.
00:18:49.200 --> 00:18:55.279
So we're we're really good about that communication piece and um reaching out to folks and then getting that report from us.
00:18:55.519 --> 00:18:56.079
Okay, good.
00:18:56.319 --> 00:18:58.880
Well, why don't we give that everyone your contact information?
00:18:59.200 --> 00:18:59.359
Sure.
00:18:59.519 --> 00:19:03.759
So our office is 480-924-4444.
00:19:04.079 --> 00:19:06.400
Um, and you can email me directly.
00:19:06.559 --> 00:19:12.799
Um, it's Shauna, S-H-A-W-N-A at firstresponse Arizona.com.
00:19:13.039 --> 00:19:13.759
Wonderful, wonderful.
00:19:13.920 --> 00:19:14.559
Oh, no, it's not.
00:19:14.640 --> 00:19:16.880
It's first responseroofing at Arizona.
00:19:17.039 --> 00:19:17.279
Okay.
00:19:17.440 --> 00:19:18.160
Nope, it's not.
00:19:18.319 --> 00:19:18.640
Okay.
00:19:18.880 --> 00:19:19.839
I'm blonde.
00:19:20.400 --> 00:19:25.519
Shauna at firstresponse roofing az dot com.
00:19:25.759 --> 00:19:26.079
Okay.
00:19:26.480 --> 00:19:27.839
Maybe dial the number.
00:19:31.200 --> 00:19:32.960
Okay, give that number one more time.
00:19:33.279 --> 00:19:34.480
Give the number one more time.
00:19:34.720 --> 00:19:38.319
A 480-924-4444.
00:19:38.480 --> 00:19:39.519
Okay, and here's the good news.
00:19:39.599 --> 00:19:42.240
We'll make sure that that email address is in the notes.
00:19:43.440 --> 00:19:44.160
I love it.
00:19:44.319 --> 00:19:45.039
I love it too.
00:19:45.599 --> 00:19:46.000
Awesome.
00:19:46.240 --> 00:19:46.720
I'm awesome.
00:19:46.960 --> 00:19:47.279
Okay.
00:19:47.440 --> 00:19:47.680
All right.
00:19:47.920 --> 00:19:48.720
You can't laugh.
00:19:48.960 --> 00:19:49.359
Right?
00:19:49.599 --> 00:19:56.319
So now we're gonna move on to Miss Jenny Gable with with like new painting.
00:19:56.720 --> 00:20:07.599
So, uh, Miss Jenny, you know, I have people that are doing reverse mortgages, they have dry rot, they have some situations with their house.
00:20:07.759 --> 00:20:11.279
It's time to paint the house because it's just time to paint the house.
00:20:11.519 --> 00:20:15.920
So, why don't you give us a little bit of background about yourself and then we'll get into your questions.
00:20:16.160 --> 00:20:21.279
Yeah, um, obviously, female here as well, painter in the in a man's industry.
00:20:21.519 --> 00:20:23.119
Um, how did I get here?
00:20:23.279 --> 00:20:30.799
It was actually my dad's business, and so he was a high school teacher, and most high school teachers that are trying to support a family need a side business.
00:20:30.960 --> 00:20:40.400
So he painted houses all the way when I was growing up, and I never had a desire to paint on the in the summertimes or do anything with the business.
00:20:40.559 --> 00:20:43.759
I never really wanted to, but it's always kind of been in our family.
00:20:43.839 --> 00:20:48.000
My husband has done it um on and off here when we needed extra income for our family.
00:20:48.160 --> 00:21:04.480
We've got two teenage boys ourselves now, and so really when COVID hit, it just the demand was so crazy uh for housing projects that we just ran with it, and it's grown into a great business for our family.
00:21:04.720 --> 00:21:04.960
Awesome.
00:21:05.119 --> 00:21:08.160
Uh, for those that I employ, it's just been a it's been a blessing.
00:21:08.400 --> 00:21:08.960
That's awesome.
00:21:09.279 --> 00:21:10.720
So you've been around then how many years?
00:21:10.960 --> 00:21:11.599
Five or six years?
00:21:12.000 --> 00:21:12.960
Full time since COVID.
00:21:13.119 --> 00:21:14.640
So yeah, almost five years now.
00:21:14.880 --> 00:21:18.400
Um, but I mean we've been it's been in my family for 30 years now.
00:21:18.720 --> 00:21:19.039
Awesome.
00:21:19.119 --> 00:21:20.000
Yeah, congratulations.
00:21:20.240 --> 00:21:20.480
Thank you.
00:21:20.640 --> 00:21:21.279
That's awesome.
00:21:21.519 --> 00:21:22.000
Awesome one.
00:21:22.319 --> 00:21:24.000
Now, now you're not out there painting.
00:21:24.240 --> 00:21:24.480
I am.
00:21:24.640 --> 00:21:25.039
No, I am.
00:21:25.200 --> 00:21:25.519
Oh wow.
00:21:25.680 --> 00:21:27.680
I am, and I do have women and I have men painting.
00:21:28.000 --> 00:21:28.720
Oh wow.
00:21:28.880 --> 00:21:29.519
Yep, I sure am.
00:21:29.599 --> 00:21:30.319
I am on the site.
00:21:30.559 --> 00:21:31.200
You go, girl.
00:21:31.279 --> 00:21:32.000
Yes, I love it.
00:21:32.240 --> 00:21:32.480
Okay.
00:21:32.720 --> 00:21:33.759
So what did you get?
00:21:34.160 --> 00:21:36.000
So how did you get into the okay?
00:21:36.079 --> 00:21:37.200
So we just talked about that.
00:21:37.599 --> 00:21:42.960
How does it, how does being an Arizona native give you an advantage in the paint industry here in the past?
00:21:43.279 --> 00:21:43.920
I love Arizona.
00:21:44.000 --> 00:21:45.839
I'm a native also just anywhere else.
00:21:46.000 --> 00:21:46.240
I love it.
00:21:46.720 --> 00:21:47.359
Shauna is too.
00:21:47.759 --> 00:21:52.960
Yeah, I mean, we're it's just, you know, we I've I've been elsewhere and then I come came back.
00:21:53.119 --> 00:21:56.079
I mean it's just a great, it's a great area for business.
00:21:56.240 --> 00:21:59.839
Um for it's obviously hot in the summertime, so we used to take that into account.
00:22:00.240 --> 00:22:08.960
count but the weather nine months out of the year is just perfect, you know, to to work outside and um connections obviously are big just growing up in Arizona.
00:22:09.039 --> 00:22:12.079
I just painted a house last week for some people I went to high school with.
00:22:12.400 --> 00:22:12.960
Oh that's awesome.
00:22:13.200 --> 00:22:13.759
I love hearing stories.
00:22:14.240 --> 00:22:15.200
I just love connections.
00:22:15.279 --> 00:22:19.039
I love our valley and I just it's just great being in Arizona.
00:22:19.200 --> 00:22:19.759
Yeah I love it.
00:22:19.920 --> 00:22:25.839
Perfect perfect um what are what are the things people should look for when they're looking to paint their house?
00:22:26.319 --> 00:22:28.000
Quality paint, especially in Arizona.
00:22:28.160 --> 00:22:31.680
Shauna talked about this just with the heat and everything.
00:22:31.920 --> 00:22:38.799
I was just talking to a lady on the way here that said hey we had a house built eight years ago we're moving we moved in eight years ago brand new house it needs paint.
00:22:38.880 --> 00:22:49.200
I said you're lucky you got eight years out of that because a lot of the times in these new builds they'll just throw on the the lowest grade paint you know to get to get the house up and look pretty to to move them in.
00:22:49.359 --> 00:22:49.599
Okay.
00:22:49.839 --> 00:22:54.640
So usually it's around the four year mark after a new build that I'm out painting an exterior.
00:22:54.880 --> 00:22:55.279
Wow.
00:22:55.440 --> 00:22:58.240
So the fact they got eight years out of it really was a win for them.
00:22:58.319 --> 00:23:02.079
So quality paint is one you don't want to use the lowest grade paint of any company.
00:23:02.720 --> 00:23:04.079
Quality paint is huge.
00:23:04.319 --> 00:23:04.640
Okay.
00:23:04.799 --> 00:23:05.680
All right good to know.
00:23:05.839 --> 00:23:09.200
And make sure they pressure wash too an exterior I know of painters that don't pressure wash.
00:23:09.440 --> 00:23:10.799
So pressure wash before they're painting.
00:23:11.039 --> 00:23:13.359
Got a pressure wash priming okay so that's like priming.
00:23:13.440 --> 00:23:13.599
Okay.
00:23:13.839 --> 00:23:17.519
What are some things that are that set you apart from other paint companies?
00:23:17.759 --> 00:23:25.200
Prime I think our crew talked about right I think our crew I mean I've got some great I've got people that have been with me for four plus years now really since we've started it.
00:23:25.519 --> 00:23:27.599
They're very loyal they love what they do.
00:23:28.079 --> 00:23:31.759
I treat them very well and we we work really well together.
00:23:31.920 --> 00:23:34.160
You're not going to see us fighting on a job site.
00:23:34.799 --> 00:23:35.119
Okay.
00:23:35.519 --> 00:23:50.319
Well that's good to hear okay so same question that I asked Sean about roofing will you be able to paint someone's house and pay get paid after closing if they're financing through a reverse mortgage or traditional loan.
00:23:50.559 --> 00:23:51.759
Yes you're able to do that.
00:23:52.480 --> 00:23:54.799
So we'll do that on a case by case basis.
00:23:55.279 --> 00:23:57.279
So not everybody will do that.
00:23:57.440 --> 00:23:59.039
Not every contractor will do that.
00:23:59.200 --> 00:24:03.680
So just make sure you know you're working with these ladies because they'll be willing to do that.
00:24:04.559 --> 00:24:06.000
Okay, case by case.
00:24:06.240 --> 00:24:10.240
And then um is there anything else we should know about your company?
00:24:11.839 --> 00:24:14.000
I would just say communication is big.
00:24:14.319 --> 00:24:22.559
Like how many days would it take to do a paint a house that typically an exterior you press your wash on a day and it's usually a two to three day process.
00:24:22.640 --> 00:24:24.880
If it's a two story it's probably going to be a three day process.
00:24:25.039 --> 00:24:25.279
Okay.
00:24:25.440 --> 00:24:28.240
Depending on how busy excuse me.
00:24:29.119 --> 00:24:30.960
Thank you boys for going back to school.
00:24:31.599 --> 00:24:32.160
It's all sick.
00:24:32.319 --> 00:24:44.559
Yeah yeah yeah yeah um I would say two to three days is is a typical exterior in Arizona after you press your wash for a single floor or double um two to two days for a single story three for a two story.
00:24:44.799 --> 00:25:24.640
Okay and that's exterior so you do interior as well we do interior we do we do top to bottom everything I do not paint cabinets that's kind of a specialty I have a company I refer to with that okay and then does your company move the furniture for people when it's inside we will yes we will um typically typically people will move the small things I ask them to move like the small you know pictures off the wall things okay yeah if it is a senior couple or whatever I will offer to move them I just like to have people in the house watching us move right because you have painters not movers but we're movers you know we do it all just like yes like everybody else yeah people have to push everything to the middle and then you're tarping everything.
00:25:24.880 --> 00:25:25.279
Correct.
00:25:25.440 --> 00:25:25.759
Okay.
00:25:26.079 --> 00:25:38.640
So then on the inside are you are you using spray are you using rollers or it depends if it's walls only we'll probably just use rollers and brushes but if you're doing ceilings it's a whole other ball game because you got to cover everything and then that we do spray ceilings.
00:25:38.880 --> 00:25:39.200
Okay.
00:25:39.599 --> 00:25:41.920
And then what about like that flat texture?
00:25:42.079 --> 00:25:47.119
I mean so you do different types of textures from the flat and all the different yeah all the stuff that I don't know about.
00:25:47.519 --> 00:25:58.480
The drywall I actually have a great drywall person that's if it needs dry a lot of times interiors will need drywall repair that I I have a great drywall person that could match texture but we'll paint any surface.
00:25:58.559 --> 00:26:03.680
I mean we'll paint the smooth surface which is kind of the higher end homes now or just the smooth texture walls.
00:26:03.759 --> 00:26:04.079
Okay.
00:26:04.240 --> 00:26:13.599
Uh all the way up to the 90 well that's called 9010 it's more smooth texture but where it's more textured like the older the older houses in Arizona will have more texture on them.
00:26:13.839 --> 00:26:14.000
Okay.
00:26:14.079 --> 00:26:16.880
And then I'm gonna ask a silly question because I don't know this.
00:26:17.279 --> 00:26:29.839
But so could I come to you with the paint that I want to use or will you say these are the paint companies that I would suggest so that way it's a higher quality of paint or do you have both sides?
00:26:29.920 --> 00:26:34.319
Do people this is the the brand and this is what I want to use or do you suggest or how does that work?
00:26:34.480 --> 00:26:47.279
I have both I'll work with I'll work and I'll I'll walk through the process with everybody from moving furniture to paint colors to all the whole process if people have never painted or they have questions I will make it as easy as possible.
00:26:47.519 --> 00:26:56.559
All I need you to do is pick out your paint color it can be from any any brand that you want it could be any any it could be Dunn Edwards it could be bear it could be Sherwin Williams.
00:26:56.640 --> 00:27:02.880
I just need you to pick out your paint color okay I don't pick out paint colors for people because what I think I need you to be happy with it as a homeowner.
00:27:03.200 --> 00:27:14.240
Right right you pick out your paint color and then if you really want to use I will use bear paint if I can okay because I have a great relationship with our bear rep and they get me great pricing on a great quality product.
00:27:14.319 --> 00:27:14.559
Okay.
00:27:14.960 --> 00:27:21.759
But if you say no I absolutely want to use Sherwin Williams we'll use Sherwin Williams we do have we do have contractor pricing with them as well in Dorge as well.
00:27:22.000 --> 00:27:24.880
Okay cool cool cool cool okay and then how do people reach you?
00:27:25.359 --> 00:27:44.000
My cell phone number is 480 353 7356 and then I do have a Instagram and a Facebook page like new painting a z like new painting a z perfect perfect all right so we're just gonna go around one more time in case anybody thought of something else they want to share.
00:27:44.160 --> 00:27:46.640
Lydia do you have anything else you'd like to share with us today?
00:27:46.880 --> 00:27:52.960
I I don't other than um working with women based companies is really important for me too.
00:27:53.200 --> 00:28:12.160
We have our act together just say it just say it okay Miss Shauna I think the only thing I want to share is just be careful if you are deciding to go with a roofing company just make sure that they are licensed insured and bonded there's a lot out there that are not and fly by night and they'll just take your money.
00:28:12.319 --> 00:28:15.920
So just do your due diligence no matter who you're working with and that's just in general.
00:28:16.000 --> 00:28:17.200
So I wanted to put that out there.
00:28:17.440 --> 00:28:19.839
Okay wonderful anything else you'd like to add?
00:28:20.319 --> 00:28:37.519
I would just say you know being a female in the industry it's great to have other people to like especially real estate you know realtors mortgage um to trust to work with and to refer people to so I just appreciate you Cheryl and Lydia and Shauna being here and it's just been great to have this to do this.
00:28:37.839 --> 00:28:53.920
Awesome yes thank you ladies thank you okay so I'm gonna close out today with reverse mortgages and beyond and uh I am bringing on another show and we're gonna have a um Miss Lydia is going to join me back and we're gonna talk about probate real estate.
00:28:54.160 --> 00:29:04.319
Then I'm gonna have a hospice company Ascension Hospice with us today and then we're gonna also have um a Death Jew Death Jewell Margaret joining us.
00:29:04.480 --> 00:29:07.920
So thank you for joining and look forward to seeing you on the next show.
00:29:08.160 --> 00:29:14.960
Again this is Cheryl Scheidel, NMLS number 886425 with Barrett Financial an Equal Housing Lender.
00:29:15.119 --> 00:29:22.720
Please remember that loan programs, rates and eligibility guidelines are subject to change and may vary based on individual circumstances.
00:29:22.880 --> 00:29:27.039
Nothing discussed in this episode constitutes a loan offer or credit decision.
00:29:27.200 --> 00:29:31.359
Any examples or scenarios shared are strictly for illustrative purposes.
00:29:31.519 --> 00:29:35.440
All loans are subject to credit approval and underwriting conditions
00:00:00.320 --> 00:00:05.360
Welcome to Reverse Mortgage and Beyond, the podcast where we take you inside the world of reverse mortgages.
00:00:05.519 --> 00:00:12.960
I'm Cheryl Schidel and I have been in the mortgage industry since 2002 and have specialized in reverse mortgages for the past 10 years.
00:00:13.119 --> 00:00:18.480
We'll cover topics like reverse mortgage basics, purchasing a home, and the myths about reverse.
00:00:18.640 --> 00:00:21.679
You'll also hear from some trusted referral partners.
00:00:21.839 --> 00:00:23.519
Let's get started.
00:00:27.839 --> 00:00:29.760
Hello everyone and welcome back.
00:00:29.839 --> 00:00:32.640
I'm Cheryl Schidel with Barrett Financial.
00:00:32.799 --> 00:00:36.159
Welcome to my show, Reverse Mortgages and Beyond.
00:00:36.399 --> 00:00:43.039
And today I've got these beautiful ladies with me, all women-based companies, and I just like to introduce them all.
00:00:43.119 --> 00:00:50.880
And then what we're going to do is we're going to ask them some questions about their industries and let you know how to get a hold of them as well.
00:00:51.200 --> 00:00:55.359
I just want to be a resource to my community, and this is how I'm going to be doing it.
00:00:55.679 --> 00:00:57.840
Catch my episode on reverse mortgages.
00:00:57.920 --> 00:01:04.799
I talk about reverse basics, the myths about reverse mortgages, how to purchase a home with reverse mortgages.
00:01:04.959 --> 00:01:07.760
You can catch that on another podcast on this station.
00:01:08.000 --> 00:01:09.439
I appreciate you joining in.
00:01:09.599 --> 00:01:14.879
Today I have Miss Lydia Wheatzma from Next Home Realty.
00:01:15.599 --> 00:01:21.040
And she's going to be talking to us about what's going on with the market, buying and selling homes.
00:01:21.280 --> 00:01:25.680
I also have Shauna Treat from First Response Roofing.
00:01:25.840 --> 00:01:31.200
And then I also have Jenny Gable from Like New Painting.
00:01:31.439 --> 00:01:33.359
So we're going to go ahead and get started.
00:01:33.519 --> 00:01:41.280
I'm going to start with Miss Lydia Wheatzma, and we're going to have her give us her background and then we're going to ask her some questions.
00:01:41.760 --> 00:01:43.680
So go ahead and get used to intro.
00:01:44.000 --> 00:01:46.959
So I've been a realtor for 22-ish years.
00:01:50.159 --> 00:01:55.359
I got sucked into real estate and it kept me in, and that's what happened.
00:01:55.519 --> 00:02:02.400
So I I ended up um working for a lot of the large brokerages, you know, over the years.
00:02:02.560 --> 00:02:06.799
And I just recently purchased my own brokerage with my business partner, Raquel.
00:02:07.280 --> 00:02:10.879
And so we have we have our own next home office.
00:02:11.280 --> 00:02:13.039
Well, you also have this book, so let's just start there.
00:02:13.199 --> 00:02:13.360
Yes.
00:02:13.439 --> 00:02:13.599
Okay.
00:02:13.919 --> 00:02:14.639
Tell me about your book.
00:02:15.199 --> 00:02:21.280
So I have my main business is uh seniors and probate work.
00:02:21.520 --> 00:02:30.639
And so over the years I've had a lot of friends in the senior space, and many of them have been working for some of my probate attorneys.
00:02:30.719 --> 00:02:35.199
And so over the years they've asked me, you know, you've got so much knowledge you should write a book.
00:02:35.280 --> 00:02:38.400
And I wrote a book last year called Solving Life's Next Chapter.
00:02:38.479 --> 00:02:48.560
It's all about experiences that I've gone through with my seniors and adult children having to deal with the property once they have inherited them.
00:02:48.879 --> 00:02:51.759
So it's it's been a great, it's been a great experience.
00:02:52.080 --> 00:02:52.960
Congratulations on that.
00:02:53.280 --> 00:02:53.840
That's awesome.
00:02:54.240 --> 00:03:06.479
Well, and to that point, so that's how Lydia and I came to be is I've been in the mortgage industry since 2002, and then about 10 years ago, I had three reverse mortgages fall into my lap.
00:03:06.560 --> 00:03:08.639
So I've been doing reverse mortgages for 10 years.
00:03:08.879 --> 00:03:12.159
Lydia is a senior certified rever uh realtor.
00:03:12.719 --> 00:03:18.800
And so over the last couple of years, we've been in contact, and then recently just a lot in contact.
00:03:18.960 --> 00:03:19.199
Yes.
00:03:19.439 --> 00:03:31.120
And so it's been awesome because we just care for our seniors, um, you know, in that in that demographics, and we love working with our seniors, and so it's just been a great, um, great relationship.
00:03:31.439 --> 00:03:38.800
I will have to say, I'm gonna let you all know that we also have a radio show on AM 960 the Patriot.
00:03:39.039 --> 00:03:42.000
I'm on Sundays at 3:30 about reverse mortgages.
00:03:42.159 --> 00:03:45.840
Lydia's on at 3 o'clock on Sundays, 960 a.m.
00:03:46.080 --> 00:03:46.879
the Patriot.
00:03:47.039 --> 00:03:50.240
That's in Arizona for those of you who are watching from out of state.
00:03:50.479 --> 00:03:53.280
So, all right, so we've gone over Lydia's background.
00:03:53.840 --> 00:03:57.599
Um, what trends are you seeing in the Arizona market?
00:03:58.080 --> 00:04:03.759
So, right now, obviously, the last few years, um, it's really been a seller's market.
00:04:03.840 --> 00:04:07.599
And in the last year, it's really changed to a buyer's market.
00:04:07.919 --> 00:04:12.400
So we have a lot more inventory on on the market right now.
00:04:12.960 --> 00:04:18.639
And back when COVID hit, we had very few on the market, and now we've got quite a few more.
00:04:19.040 --> 00:04:28.319
So buyers have more options, and uh because of that, the competition is pretty strong when you've got multiple listings.
00:04:28.879 --> 00:04:38.800
So listings are definitely, you know, if if you can't work with a listing on one street, there's probably one on the next street that they can probably look at.
00:04:39.040 --> 00:04:44.319
So it truly has become a buyer's market in certain areas.
00:04:44.560 --> 00:04:50.240
Some areas it's a little more even, and in very few areas it is a seller's market still.
00:04:50.399 --> 00:04:51.439
So it really depends.
00:04:51.519 --> 00:04:54.800
The trends have been really kind of all over the place this last year.
00:04:55.040 --> 00:05:06.160
Uh okay, so obviously that's for the local market, but then you work with people that relocate to Arizona, and then you can guide them to the area that that would be possibly best for them.
00:05:06.480 --> 00:05:06.639
Okay.
00:05:07.120 --> 00:05:09.120
And the funny thing is, you talk about trends.
00:05:09.279 --> 00:05:20.800
We had a client here in Arizona that sold their house and moved to upstate New York this within the last four months, and they were trying to buy a house there, and it was it it was a frenzy out there.
00:05:20.879 --> 00:05:24.399
They every time they put an offer in, it was multiple offers.
00:05:24.560 --> 00:05:30.319
So, really it it's good to reach out to a local realtor that understands their market.
00:05:30.639 --> 00:05:31.279
Perfect, perfect.
00:05:31.519 --> 00:05:33.439
So you're gonna want to reach out to Miss Lydia.
00:05:33.680 --> 00:05:37.600
So, how does a seller uh concession buy down work?
00:05:38.160 --> 00:05:47.600
So, what we're doing now with buyers is a lot of um, because interest rates have gone up the last couple of years, a lot of buyers are hesitant to even buy.
00:05:47.839 --> 00:05:56.800
But what we're doing is we can offer or we can ask the seller to come in and basically ask for concessions.
00:05:56.959 --> 00:06:00.079
And with those concessions, you can do multiple things with them.
00:06:00.639 --> 00:06:11.439
Buy down your interest rate is a good one, or use it for other, you know, resources later on if they need, you know, paint or carpet or roofing, things like that.
00:06:11.600 --> 00:06:14.959
Um, and also closing costs, your title fees and things like that.
00:06:15.279 --> 00:06:17.759
Well, and just the punch list from when they did their inspection.
00:06:18.079 --> 00:06:18.480
Exactly.
00:06:18.560 --> 00:06:19.519
Okay, exactly.
00:06:19.920 --> 00:06:30.959
So it's it's really a good way for buyers to get into a home, make it their own, and uh even get possibly their interest rates lower too.
00:06:31.040 --> 00:06:33.680
So we like that, of course.
00:06:34.000 --> 00:06:41.759
But we even though we're all like, oh my gosh, the rates, the rates, the rates, right, we're still in a good market for the rates.
00:06:41.839 --> 00:06:48.079
Absolutely and it's always a good time to buy because even if the rate is what it is today, it's gonna go up and down.
00:06:48.240 --> 00:06:48.399
Right.
00:06:48.560 --> 00:06:56.560
And just the trends that we see over the years, Lydia and I, when the girls are, we always listen to the Cromford Report, which tells us what the market's gonna be doing.
00:06:56.720 --> 00:06:58.160
And so, you know what?
00:06:58.319 --> 00:07:02.240
My dad did loans in the Carter days, and it was 18%.
00:07:02.800 --> 00:07:03.920
So we're still looking good.
00:07:04.319 --> 00:07:05.439
My first house was 18%.
00:07:06.480 --> 00:07:06.720
Yes.
00:07:06.959 --> 00:07:08.160
So we're still looking good.
00:07:08.319 --> 00:07:10.480
So don't let the rate buy now.
00:07:10.560 --> 00:07:12.399
That's that's what I want to say is buy now.
00:07:12.560 --> 00:07:15.759
Um, what features do buyers want most in Arizona?
00:07:16.079 --> 00:07:22.560
So what's happening now is, you know, there have been times over the years where you could throw anything on the market.
00:07:22.720 --> 00:07:30.480
It could be, you know, it could, it could have orange carpet or yellow carpet or purple carpet or and it would sell.
00:07:30.879 --> 00:07:36.240
But right now, what buyers really want is they want the latest and greatest in everything.
00:07:36.399 --> 00:07:40.639
They want the newer carpet or floor, and not carpet, the newest flooring.
00:07:40.720 --> 00:07:44.800
They want the there's certain paint colors that they're looking for.
00:07:45.040 --> 00:07:48.879
They want um certain kitchen features, bathroom features.
00:07:49.040 --> 00:07:50.560
Those are your main focuses.
00:07:50.720 --> 00:07:52.720
Backyards are really big with kids.
00:07:53.040 --> 00:08:04.639
And so, right now, if you have a home and it's in pristine condition, it will sell over one that maybe someone has to go in and and put some things into it.
00:08:04.879 --> 00:08:06.000
So I'm gonna give an example.
00:08:06.160 --> 00:08:17.360
Literally, just right before we got here today, I was talking with somebody, and they're looking at a house, 1980s, with the green shag carpet and all the stuff.
00:08:17.519 --> 00:08:19.680
So they're able to negotiate.
00:08:19.759 --> 00:08:20.079
Yep.
00:08:20.319 --> 00:08:24.959
That way they can get, you know, they can rehab the property after they get it.
00:08:25.120 --> 00:08:25.439
Right.
00:08:25.759 --> 00:08:29.120
And and that sometimes that's what we could use those concessions for as well.
00:08:29.360 --> 00:08:29.519
Good.
00:08:29.600 --> 00:08:30.800
And that's the other thing.
00:08:30.959 --> 00:08:32.240
What is your opinion?
00:08:32.480 --> 00:08:40.559
I'm going on, I'm just gonna ask, because I have people telling me, before I sell the house, I'm gonna do this and do this and do this, and they're gonna remodel and then they're gonna sell it.
00:08:40.639 --> 00:08:47.519
And then I'm like, wait a minute, don't do that because they might not like that when you sell it, and now you just wasted all that money.
00:08:47.679 --> 00:08:50.000
So your opinion is the same, like yes, okay.
00:08:50.240 --> 00:08:56.879
So especially because I am in the senior world and a lot of my clients haven't remodeled their home in years.
00:08:57.039 --> 00:09:02.159
Some of them have lived there for multiple years and decades, decades, even, yes.
00:09:02.320 --> 00:09:08.960
And so that's the first thing that either the senior and or their adult children ask me is should we remodel the house?
00:09:09.120 --> 00:09:18.799
And to be honest, I it really if it's only needing paint or it's only needing a roof or it's only needing a little bit, I would do it.
00:09:18.879 --> 00:09:23.519
But if it needs a full-blown uh remodel, I would totally not do that.
00:09:23.600 --> 00:09:27.919
Because the new just lower the price and let the buyer come in and do their own thing.
00:09:28.320 --> 00:09:37.200
Because a lot of people want with all the shows out there, you know, the DYI things, people want to, they feel like they know what they can do.
00:09:37.519 --> 00:09:43.600
And if they only do a little bit, they don't do the entire thing, it's not gonna give them any more money anyways.
00:09:43.759 --> 00:09:43.919
Right.
00:09:44.000 --> 00:09:45.679
So it it's and it's not dollar for dollar.
00:09:46.000 --> 00:09:47.039
It's not dollar for dollar.
00:09:47.279 --> 00:09:59.679
So it really makes sense for them to just lower the price, get it out there, let that person, it might even be a first-time homebuyer that maybe wants to do their own thing and put their own plan and touch.
00:10:00.480 --> 00:10:00.799
Exactly.
00:10:00.960 --> 00:10:09.200
And sometimes I've had over the years too, where families will remodel their entire house and then the people come in and they change it all away anyway.
00:10:09.440 --> 00:10:12.879
So you know so wasteful, and that's why costs and supplies are going up.
00:10:12.960 --> 00:10:13.200
Yep.
00:10:13.360 --> 00:10:13.600
Right?
00:10:13.679 --> 00:10:13.919
Right?
00:10:14.000 --> 00:10:14.320
Yep.
00:10:14.559 --> 00:10:17.519
Okay, so what's the best way for people to get a hold of you?
00:10:17.840 --> 00:10:26.799
So my number is 602-363-1720, or you can email me at Lydia at ArizonaPoweragent.com.
00:10:27.120 --> 00:10:27.840
Okay, great.
00:10:28.000 --> 00:10:34.399
So we're gonna still go around here, um, and then we'll come back to Lydia in case you think of something else you'd like to say towards the end.
00:10:34.559 --> 00:10:38.480
Um, and then I would just like to say, so I do reverse mortgages.
00:10:38.799 --> 00:10:55.200
So um obviously catch my podcast on reverse mortgages, but what I'm doing is I'm bringing in referral partners that I like to use to have seniors or anybody that for that matter use the equity in their home to do the things that they need to do with it.
00:10:55.279 --> 00:11:01.759
So a reverse mortgage could help that senior pay for a new roof on their house, pay for painting the house.
00:11:01.840 --> 00:11:04.000
So these are just resources for you to use.
00:11:04.080 --> 00:11:10.159
So next I'm gonna bring on Shauna Treat, and she's with first re uh first response roofing.
00:11:10.399 --> 00:11:10.559
Yes.
00:11:10.879 --> 00:11:13.440
And um, so thank you for joining us today.
00:11:13.679 --> 00:11:14.559
I'm so excited.
00:11:14.879 --> 00:11:18.159
I'm just loving that we're having women-owned businesses.
00:11:18.240 --> 00:11:19.200
I'm gonna say that again.
00:11:19.360 --> 00:11:20.559
This is girl power, right?
00:11:20.639 --> 00:11:21.600
Here, this is awesome.
00:11:21.840 --> 00:11:23.360
So, all right, Miss Shauna.
00:11:23.679 --> 00:11:29.279
Um, what makes first response roofing different from other roofing companies?
00:11:29.679 --> 00:11:39.360
So, the biggest thing with first response is the educational piece, and it really is the report that we send to you after we do our free inspections.
00:11:39.519 --> 00:11:51.279
Um, we'll come out to your home, do a free inspection, and then you're gonna get a report from us that has pictures of the underlayment of any cracked tiles, things that you're not gonna see because we're not on our roofs, right?
00:11:51.600 --> 00:12:01.039
Um, we're gonna do that, and then our estimator is gonna come down and share that with you and advise hey, the the underlayment is in satisfactory condition.
00:12:01.120 --> 00:12:04.399
The underlayment is you're gonna need to replace it sooner than later.
00:12:04.639 --> 00:12:06.320
What is underlayment for people who don't know?
00:12:06.559 --> 00:12:06.720
Sure.
00:12:06.799 --> 00:12:16.559
So the underlayment is the boards that are directly underneath the tile or the shingles, whatever um that is underneath whatever your roof is.
00:12:16.799 --> 00:12:17.120
Okay.
00:12:17.279 --> 00:12:31.440
So that's what we want to look at because once your underlayment is shot, then you are gonna start getting leaks, and then we have bigger problems where you are gonna more than likely need a restoration or um have insurance involved, whatever the case is.
00:12:31.679 --> 00:12:32.000
Okay.
00:12:32.320 --> 00:12:37.200
So I got right into our questions, but give me a background about you so that everyone could get to know you.
00:12:37.440 --> 00:12:37.759
Yep.
00:12:37.840 --> 00:12:40.480
So I am your blonde roofer, so Sean a treat.
00:12:40.879 --> 00:12:42.159
I love it, which I love.
00:12:42.320 --> 00:12:46.000
Um, so first response roofing has been around for three and a half years.
00:12:46.080 --> 00:13:04.960
Um, we have 20 years of experience um in the industry, and so the owner of the company, she um was with another company and they decided to do things that were not ethical, and she did not want to be a part of that, and so um she's she tried to purchase the company, and you know how that is.
00:13:05.600 --> 00:13:07.919
You're like, I want one trillion dollars for my company.
00:13:08.159 --> 00:13:08.799
Right, right, right.
00:13:08.960 --> 00:13:12.000
So she's like, okay, we're just gonna start our own thing and stuff.
00:13:12.159 --> 00:13:15.440
So um, my it's so funny because my background is in mortgage.
00:13:15.519 --> 00:13:17.919
I started in 2002 as well.
00:13:18.080 --> 00:13:18.399
Okay.
00:13:18.559 --> 00:13:22.720
Um, so I've seen the gamut from everything back end.
00:13:22.960 --> 00:13:28.240
So I have a lot of knowledge when it comes to mortgage and and things of that nature.
00:13:28.399 --> 00:13:32.320
Um, but roofing is it's a brand new world for me, so I'm loving it.
00:13:32.639 --> 00:13:40.080
So as a mortgage person, could they do the roof before they close if they're refinancing?
00:13:40.159 --> 00:13:43.120
Do you do that type of paid at escrow type of closing?
00:13:43.840 --> 00:13:44.240
Absolutely.
00:13:44.480 --> 00:13:48.320
So people can finance through their mortgage their roof.
00:13:48.559 --> 00:13:48.879
They can.
00:13:49.039 --> 00:13:54.559
Whether it's a 30-year fix, cash-out refi, we as lenders, loan officers, we could do that.
00:13:54.639 --> 00:13:59.120
So just everyone out there, just so you know, we can do a paid at closing.
00:13:59.279 --> 00:13:59.519
Yep.
00:13:59.679 --> 00:14:07.039
And that's where you close, and then that money is paid right from title right to the uh roofing company.
00:14:07.279 --> 00:14:08.799
So that's just really important to know.
00:14:09.039 --> 00:14:11.360
It is not every roofing company does this, right?
00:14:11.519 --> 00:14:19.120
Um, so that's a really good question to ask if that is a concern because roofs are not cheap if you have to replace the entire thing and you want a good quality.
00:14:19.360 --> 00:14:23.279
Well, and I was just with a client the other day, and I was telling her all about you.
00:14:23.440 --> 00:14:27.279
She's like, Well, I I'm so she's a lady who's been in our house for over 20 years.
00:14:27.360 --> 00:14:32.159
She's like, I'm gonna need a new roof, and she's getting a reverse mortgage, and I'm like, I've got the right person for you.
00:14:32.399 --> 00:14:33.519
So we'll take care of her.
00:14:33.679 --> 00:14:38.799
Um, so what are the most common mistakes homeowners make when it comes to their roof?
00:14:38.960 --> 00:14:40.000
That's a really good question.
00:14:40.159 --> 00:14:46.080
So um, getting your roof inspected on an annual basis, and I know this sounds annual.
00:14:46.240 --> 00:14:48.080
This sounds so crazy.
00:14:48.240 --> 00:14:52.960
Um, but here's the deal: have us come out, it's completely free.
00:14:53.120 --> 00:14:57.679
We will look at it, give you all the pictures, write it up, send it to your insurance agent.
00:14:57.759 --> 00:14:59.039
There's nothing wrong with it.
00:14:59.200 --> 00:15:05.759
Your insurance company knows you're doing your due diligence to make sure that you're getting your oil change.
00:15:06.159 --> 00:15:08.720
So that's not gonna ding them for a claim or anything.
00:15:09.039 --> 00:15:10.960
No, no, but it's double checking.
00:15:11.120 --> 00:15:11.679
Nope, nope.
00:15:11.759 --> 00:15:12.639
And that's the other thing.
00:15:12.720 --> 00:15:14.320
And I'm so glad that you mentioned that.
00:15:14.559 --> 00:15:18.000
Call us before you call your insurance company for a claim.
00:15:18.080 --> 00:15:20.159
Let us talk to you about what is your deductible.
00:15:20.320 --> 00:15:22.720
Let's look at your roof inspection, everything.
00:15:22.879 --> 00:15:27.519
Maybe your deductible is$500 and you just need to spend$800.
00:15:27.840 --> 00:15:31.360
There's no sense in putting a claim out there for$300.
00:15:31.679 --> 00:15:31.919
Right.
00:15:32.080 --> 00:15:38.080
Because that claim is forever on there, whether you use it or you don't use it, and that could affect you later on.
00:15:38.320 --> 00:15:38.480
Right.
00:15:38.639 --> 00:15:43.120
So it's best to call us first and let us help you through that process.
00:15:43.279 --> 00:15:43.519
Okay.
00:15:43.679 --> 00:15:45.600
And we can we can help guide through that.
00:15:45.919 --> 00:15:46.480
Great advice.
00:15:46.799 --> 00:15:47.440
Okay, good.
00:15:47.679 --> 00:15:53.120
Now, so we actually had a rainy day last night, or a really bad rainy night.
00:15:53.279 --> 00:15:54.559
So I was excited about that.
00:15:54.639 --> 00:15:55.120
Yeah.
00:15:55.440 --> 00:15:58.720
So we're talking residential, but I'm gonna do a plug for you.
00:15:58.799 --> 00:15:59.919
How about commercial?
00:16:00.080 --> 00:16:03.519
Because I was at a restaurant, they had all these buckets around.
00:16:03.679 --> 00:16:04.559
Do you do commercial?
00:16:04.799 --> 00:16:05.039
We do.
00:16:05.279 --> 00:16:05.919
Okay, good.
00:16:06.080 --> 00:16:06.559
We sure do.
00:16:06.799 --> 00:16:09.279
Flat roofs, commercial, residential.
00:16:09.440 --> 00:16:10.879
Um, we do gutters as well.
00:16:11.039 --> 00:16:13.679
Gutters are a part of the roof as well.
00:16:14.000 --> 00:16:14.879
Gutters, okay.
00:16:15.039 --> 00:16:17.600
Flat roofs, um, do they have a different type?
00:16:17.919 --> 00:16:23.519
Is it foam or is it different types of it's foam, and you want to you want to make sure that you get that looked at.
00:16:23.600 --> 00:16:26.320
Um, foam needs to be replaced every five years.
00:16:26.559 --> 00:16:26.799
Okay.
00:16:26.879 --> 00:16:38.480
Um, but we still need to do an inspection um because maybe something around the vent or something along those lines is going on, and let us let us seal that better if something does happen.
00:16:38.720 --> 00:16:42.799
The sun is brutal, we know out here in Arizona, and anything can happen.
00:16:42.879 --> 00:16:45.600
The wind is insane when with the monsoon season.
00:16:45.679 --> 00:16:46.480
So Okay.
00:16:46.720 --> 00:16:47.039
Okay.
00:16:47.200 --> 00:16:51.519
So how do I know when it's time to repair or replace my roof?
00:16:51.679 --> 00:16:51.840
Yep.
00:16:51.919 --> 00:16:53.600
So it goes back to that underlayment.
00:16:53.679 --> 00:16:59.360
So really that comes back to your roofer and making sure that you're getting that annual inspection.
00:16:59.440 --> 00:17:00.639
It goes hand in hand.
00:17:00.720 --> 00:17:02.799
Um, and let us look at your underlayment.
00:17:02.879 --> 00:17:06.480
We'll tell you, hey, it looks like you have about five years on this.
00:17:06.640 --> 00:17:08.079
Prepare for a new roof.
00:17:08.240 --> 00:17:16.079
Um, with us, we're gonna look at the entire thing and let's just say the south side of your roof is shot, but the north side is fine.
00:17:16.319 --> 00:17:16.640
Okay.
00:17:16.880 --> 00:17:20.079
We do not require you to replace your entire roof.
00:17:20.160 --> 00:17:20.240
Okay.
00:17:20.480 --> 00:17:25.039
We will take the portion that needs to be replaced and take care of that for the room.
00:17:25.200 --> 00:17:26.640
So that's the ethics thing that you're talking about.
00:17:26.960 --> 00:17:27.359
Absolutely.
00:17:27.599 --> 00:17:28.079
Oh, that's good.
00:17:28.319 --> 00:17:33.839
We're not gonna put anybody in a position if they don't need it, and then prepare them for, hey, five years down the road.
00:17:34.000 --> 00:17:36.720
And we do have um credit options as well.
00:17:36.880 --> 00:17:42.240
So if you don't go through a lender or anything like that, um, that is an option.
00:17:42.480 --> 00:17:43.279
Good, good, good.
00:17:43.440 --> 00:17:48.480
Um so what does the process look like when you're working with first response roofing?
00:17:48.799 --> 00:17:49.039
Yep.
00:17:49.200 --> 00:17:57.359
So um we have amazing women in the um in the office that will take care of your phone calls, they'll schedule the appointment for the inspector to come out.
00:17:57.519 --> 00:18:03.519
Um, my girlfriend, actually, single mom lives all alone, was a little nervous, right?
00:18:03.759 --> 00:18:05.599
Got the picture of who's coming out.
00:18:05.759 --> 00:18:08.079
We were very good about the the communication.
00:18:08.319 --> 00:18:09.680
That's when I wanted to stop you right there.
00:18:09.839 --> 00:18:11.359
Yes, that was what I was gonna ask you.
00:18:11.519 --> 00:18:15.119
So it's women-owned, but it it's not women on the roof putting the roof in.
00:18:15.279 --> 00:18:15.440
No.
00:18:15.680 --> 00:18:22.240
Okay, so continue what you're saying, but I just want people to know it's still men doing the roof, but you just never know, right?
00:18:22.799 --> 00:18:24.559
Okay, exactly.
00:18:24.799 --> 00:18:27.680
So they took a picture so people know who's coming to their house.
00:18:27.839 --> 00:18:28.079
Yep.
00:18:28.319 --> 00:18:28.960
For safety reasons.
00:18:29.200 --> 00:18:30.799
For safety reasons, exactly.
00:18:30.960 --> 00:18:33.759
Um, and he'll go up and he'll talk to the homeowner.
00:18:34.000 --> 00:18:34.960
You can you can be home.
00:18:35.039 --> 00:18:43.759
You don't have to be home either, but if you are home, um, they are gonna come and talk to you, let you know what's going on, answer any questions, any concerns that you have.
00:18:43.839 --> 00:18:49.119
Um, and then we do follow-up calls as well, and um just make sure that everything is good.
00:18:49.200 --> 00:18:55.279
So we're we're really good about that communication piece and um reaching out to folks and then getting that report from us.
00:18:55.519 --> 00:18:56.079
Okay, good.
00:18:56.319 --> 00:18:58.880
Well, why don't we give that everyone your contact information?
00:18:59.200 --> 00:18:59.359
Sure.
00:18:59.519 --> 00:19:03.759
So our office is 480-924-4444.
00:19:04.079 --> 00:19:06.400
Um, and you can email me directly.
00:19:06.559 --> 00:19:12.799
Um, it's Shauna, S-H-A-W-N-A at firstresponse Arizona.com.
00:19:13.039 --> 00:19:13.759
Wonderful, wonderful.
00:19:13.920 --> 00:19:14.559
Oh, no, it's not.
00:19:14.640 --> 00:19:16.880
It's first responseroofing at Arizona.
00:19:17.039 --> 00:19:17.279
Okay.
00:19:17.440 --> 00:19:18.160
Nope, it's not.
00:19:18.319 --> 00:19:18.640
Okay.
00:19:18.880 --> 00:19:19.839
I'm blonde.
00:19:20.400 --> 00:19:25.519
Shauna at firstresponse roofing az dot com.
00:19:25.759 --> 00:19:26.079
Okay.
00:19:26.480 --> 00:19:27.839
Maybe dial the number.
00:19:31.200 --> 00:19:32.960
Okay, give that number one more time.
00:19:33.279 --> 00:19:34.480
Give the number one more time.
00:19:34.720 --> 00:19:38.319
A 480-924-4444.
00:19:38.480 --> 00:19:39.519
Okay, and here's the good news.
00:19:39.599 --> 00:19:42.240
We'll make sure that that email address is in the notes.
00:19:43.440 --> 00:19:44.160
I love it.
00:19:44.319 --> 00:19:45.039
I love it too.
00:19:45.599 --> 00:19:46.000
Awesome.
00:19:46.240 --> 00:19:46.720
I'm awesome.
00:19:46.960 --> 00:19:47.279
Okay.
00:19:47.440 --> 00:19:47.680
All right.
00:19:47.920 --> 00:19:48.720
You can't laugh.
00:19:48.960 --> 00:19:49.359
Right?
00:19:49.599 --> 00:19:56.319
So now we're gonna move on to Miss Jenny Gable with with like new painting.
00:19:56.720 --> 00:20:07.599
So, uh, Miss Jenny, you know, I have people that are doing reverse mortgages, they have dry rot, they have some situations with their house.
00:20:07.759 --> 00:20:11.279
It's time to paint the house because it's just time to paint the house.
00:20:11.519 --> 00:20:15.920
So, why don't you give us a little bit of background about yourself and then we'll get into your questions.
00:20:16.160 --> 00:20:21.279
Yeah, um, obviously, female here as well, painter in the in a man's industry.
00:20:21.519 --> 00:20:23.119
Um, how did I get here?
00:20:23.279 --> 00:20:30.799
It was actually my dad's business, and so he was a high school teacher, and most high school teachers that are trying to support a family need a side business.
00:20:30.960 --> 00:20:40.400
So he painted houses all the way when I was growing up, and I never had a desire to paint on the in the summertimes or do anything with the business.
00:20:40.559 --> 00:20:43.759
I never really wanted to, but it's always kind of been in our family.
00:20:43.839 --> 00:20:48.000
My husband has done it um on and off here when we needed extra income for our family.
00:20:48.160 --> 00:21:04.480
We've got two teenage boys ourselves now, and so really when COVID hit, it just the demand was so crazy uh for housing projects that we just ran with it, and it's grown into a great business for our family.
00:21:04.720 --> 00:21:04.960
Awesome.
00:21:05.119 --> 00:21:08.160
Uh, for those that I employ, it's just been a it's been a blessing.
00:21:08.400 --> 00:21:08.960
That's awesome.
00:21:09.279 --> 00:21:10.720
So you've been around then how many years?
00:21:10.960 --> 00:21:11.599
Five or six years?
00:21:12.000 --> 00:21:12.960
Full time since COVID.
00:21:13.119 --> 00:21:14.640
So yeah, almost five years now.
00:21:14.880 --> 00:21:18.400
Um, but I mean we've been it's been in my family for 30 years now.
00:21:18.720 --> 00:21:19.039
Awesome.
00:21:19.119 --> 00:21:20.000
Yeah, congratulations.
00:21:20.240 --> 00:21:20.480
Thank you.
00:21:20.640 --> 00:21:21.279
That's awesome.
00:21:21.519 --> 00:21:22.000
Awesome one.
00:21:22.319 --> 00:21:24.000
Now, now you're not out there painting.
00:21:24.240 --> 00:21:24.480
I am.
00:21:24.640 --> 00:21:25.039
No, I am.
00:21:25.200 --> 00:21:25.519
Oh wow.
00:21:25.680 --> 00:21:27.680
I am, and I do have women and I have men painting.
00:21:28.000 --> 00:21:28.720
Oh wow.
00:21:28.880 --> 00:21:29.519
Yep, I sure am.
00:21:29.599 --> 00:21:30.319
I am on the site.
00:21:30.559 --> 00:21:31.200
You go, girl.
00:21:31.279 --> 00:21:32.000
Yes, I love it.
00:21:32.240 --> 00:21:32.480
Okay.
00:21:32.720 --> 00:21:33.759
So what did you get?
00:21:34.160 --> 00:21:36.000
So how did you get into the okay?
00:21:36.079 --> 00:21:37.200
So we just talked about that.
00:21:37.599 --> 00:21:42.960
How does it, how does being an Arizona native give you an advantage in the paint industry here in the past?
00:21:43.279 --> 00:21:43.920
I love Arizona.
00:21:44.000 --> 00:21:45.839
I'm a native also just anywhere else.
00:21:46.000 --> 00:21:46.240
I love it.
00:21:46.720 --> 00:21:47.359
Shauna is too.
00:21:47.759 --> 00:21:52.960
Yeah, I mean, we're it's just, you know, we I've I've been elsewhere and then I come came back.
00:21:53.119 --> 00:21:56.079
I mean it's just a great, it's a great area for business.
00:21:56.240 --> 00:21:59.839
Um for it's obviously hot in the summertime, so we used to take that into account.
00:22:00.240 --> 00:22:08.960
count but the weather nine months out of the year is just perfect, you know, to to work outside and um connections obviously are big just growing up in Arizona.
00:22:09.039 --> 00:22:12.079
I just painted a house last week for some people I went to high school with.
00:22:12.400 --> 00:22:12.960
Oh that's awesome.
00:22:13.200 --> 00:22:13.759
I love hearing stories.
00:22:14.240 --> 00:22:15.200
I just love connections.
00:22:15.279 --> 00:22:19.039
I love our valley and I just it's just great being in Arizona.
00:22:19.200 --> 00:22:19.759
Yeah I love it.
00:22:19.920 --> 00:22:25.839
Perfect perfect um what are what are the things people should look for when they're looking to paint their house?
00:22:26.319 --> 00:22:28.000
Quality paint, especially in Arizona.
00:22:28.160 --> 00:22:31.680
Shauna talked about this just with the heat and everything.
00:22:31.920 --> 00:22:38.799
I was just talking to a lady on the way here that said hey we had a house built eight years ago we're moving we moved in eight years ago brand new house it needs paint.
00:22:38.880 --> 00:22:49.200
I said you're lucky you got eight years out of that because a lot of the times in these new builds they'll just throw on the the lowest grade paint you know to get to get the house up and look pretty to to move them in.
00:22:49.359 --> 00:22:49.599
Okay.
00:22:49.839 --> 00:22:54.640
So usually it's around the four year mark after a new build that I'm out painting an exterior.
00:22:54.880 --> 00:22:55.279
Wow.
00:22:55.440 --> 00:22:58.240
So the fact they got eight years out of it really was a win for them.
00:22:58.319 --> 00:23:02.079
So quality paint is one you don't want to use the lowest grade paint of any company.
00:23:02.720 --> 00:23:04.079
Quality paint is huge.
00:23:04.319 --> 00:23:04.640
Okay.
00:23:04.799 --> 00:23:05.680
All right good to know.
00:23:05.839 --> 00:23:09.200
And make sure they pressure wash too an exterior I know of painters that don't pressure wash.
00:23:09.440 --> 00:23:10.799
So pressure wash before they're painting.
00:23:11.039 --> 00:23:13.359
Got a pressure wash priming okay so that's like priming.
00:23:13.440 --> 00:23:13.599
Okay.
00:23:13.839 --> 00:23:17.519
What are some things that are that set you apart from other paint companies?
00:23:17.759 --> 00:23:25.200
Prime I think our crew talked about right I think our crew I mean I've got some great I've got people that have been with me for four plus years now really since we've started it.
00:23:25.519 --> 00:23:27.599
They're very loyal they love what they do.
00:23:28.079 --> 00:23:31.759
I treat them very well and we we work really well together.
00:23:31.920 --> 00:23:34.160
You're not going to see us fighting on a job site.
00:23:34.799 --> 00:23:35.119
Okay.
00:23:35.519 --> 00:23:50.319
Well that's good to hear okay so same question that I asked Sean about roofing will you be able to paint someone's house and pay get paid after closing if they're financing through a reverse mortgage or traditional loan.
00:23:50.559 --> 00:23:51.759
Yes you're able to do that.
00:23:52.480 --> 00:23:54.799
So we'll do that on a case by case basis.
00:23:55.279 --> 00:23:57.279
So not everybody will do that.
00:23:57.440 --> 00:23:59.039
Not every contractor will do that.
00:23:59.200 --> 00:24:03.680
So just make sure you know you're working with these ladies because they'll be willing to do that.
00:24:04.559 --> 00:24:06.000
Okay, case by case.
00:24:06.240 --> 00:24:10.240
And then um is there anything else we should know about your company?
00:24:11.839 --> 00:24:14.000
I would just say communication is big.
00:24:14.319 --> 00:24:22.559
Like how many days would it take to do a paint a house that typically an exterior you press your wash on a day and it's usually a two to three day process.
00:24:22.640 --> 00:24:24.880
If it's a two story it's probably going to be a three day process.
00:24:25.039 --> 00:24:25.279
Okay.
00:24:25.440 --> 00:24:28.240
Depending on how busy excuse me.
00:24:29.119 --> 00:24:30.960
Thank you boys for going back to school.
00:24:31.599 --> 00:24:32.160
It's all sick.
00:24:32.319 --> 00:24:44.559
Yeah yeah yeah yeah um I would say two to three days is is a typical exterior in Arizona after you press your wash for a single floor or double um two to two days for a single story three for a two story.
00:24:44.799 --> 00:25:24.640
Okay and that's exterior so you do interior as well we do interior we do we do top to bottom everything I do not paint cabinets that's kind of a specialty I have a company I refer to with that okay and then does your company move the furniture for people when it's inside we will yes we will um typically typically people will move the small things I ask them to move like the small you know pictures off the wall things okay yeah if it is a senior couple or whatever I will offer to move them I just like to have people in the house watching us move right because you have painters not movers but we're movers you know we do it all just like yes like everybody else yeah people have to push everything to the middle and then you're tarping everything.
00:25:24.880 --> 00:25:25.279
Correct.
00:25:25.440 --> 00:25:25.759
Okay.
00:25:26.079 --> 00:25:38.640
So then on the inside are you are you using spray are you using rollers or it depends if it's walls only we'll probably just use rollers and brushes but if you're doing ceilings it's a whole other ball game because you got to cover everything and then that we do spray ceilings.
00:25:38.880 --> 00:25:39.200
Okay.
00:25:39.599 --> 00:25:41.920
And then what about like that flat texture?
00:25:42.079 --> 00:25:47.119
I mean so you do different types of textures from the flat and all the different yeah all the stuff that I don't know about.
00:25:47.519 --> 00:25:58.480
The drywall I actually have a great drywall person that's if it needs dry a lot of times interiors will need drywall repair that I I have a great drywall person that could match texture but we'll paint any surface.
00:25:58.559 --> 00:26:03.680
I mean we'll paint the smooth surface which is kind of the higher end homes now or just the smooth texture walls.
00:26:03.759 --> 00:26:04.079
Okay.
00:26:04.240 --> 00:26:13.599
Uh all the way up to the 90 well that's called 9010 it's more smooth texture but where it's more textured like the older the older houses in Arizona will have more texture on them.
00:26:13.839 --> 00:26:14.000
Okay.
00:26:14.079 --> 00:26:16.880
And then I'm gonna ask a silly question because I don't know this.
00:26:17.279 --> 00:26:29.839
But so could I come to you with the paint that I want to use or will you say these are the paint companies that I would suggest so that way it's a higher quality of paint or do you have both sides?
00:26:29.920 --> 00:26:34.319
Do people this is the the brand and this is what I want to use or do you suggest or how does that work?
00:26:34.480 --> 00:26:47.279
I have both I'll work with I'll work and I'll I'll walk through the process with everybody from moving furniture to paint colors to all the whole process if people have never painted or they have questions I will make it as easy as possible.
00:26:47.519 --> 00:26:56.559
All I need you to do is pick out your paint color it can be from any any brand that you want it could be any any it could be Dunn Edwards it could be bear it could be Sherwin Williams.
00:26:56.640 --> 00:27:02.880
I just need you to pick out your paint color okay I don't pick out paint colors for people because what I think I need you to be happy with it as a homeowner.
00:27:03.200 --> 00:27:14.240
Right right you pick out your paint color and then if you really want to use I will use bear paint if I can okay because I have a great relationship with our bear rep and they get me great pricing on a great quality product.
00:27:14.319 --> 00:27:14.559
Okay.
00:27:14.960 --> 00:27:21.759
But if you say no I absolutely want to use Sherwin Williams we'll use Sherwin Williams we do have we do have contractor pricing with them as well in Dorge as well.
00:27:22.000 --> 00:27:24.880
Okay cool cool cool cool okay and then how do people reach you?
00:27:25.359 --> 00:27:44.000
My cell phone number is 480 353 7356 and then I do have a Instagram and a Facebook page like new painting a z like new painting a z perfect perfect all right so we're just gonna go around one more time in case anybody thought of something else they want to share.
00:27:44.160 --> 00:27:46.640
Lydia do you have anything else you'd like to share with us today?
00:27:46.880 --> 00:27:52.960
I I don't other than um working with women based companies is really important for me too.
00:27:53.200 --> 00:28:12.160
We have our act together just say it just say it okay Miss Shauna I think the only thing I want to share is just be careful if you are deciding to go with a roofing company just make sure that they are licensed insured and bonded there's a lot out there that are not and fly by night and they'll just take your money.
00:28:12.319 --> 00:28:15.920
So just do your due diligence no matter who you're working with and that's just in general.
00:28:16.000 --> 00:28:17.200
So I wanted to put that out there.
00:28:17.440 --> 00:28:19.839
Okay wonderful anything else you'd like to add?
00:28:20.319 --> 00:28:37.519
I would just say you know being a female in the industry it's great to have other people to like especially real estate you know realtors mortgage um to trust to work with and to refer people to so I just appreciate you Cheryl and Lydia and Shauna being here and it's just been great to have this to do this.
00:28:37.839 --> 00:28:53.920
Awesome yes thank you ladies thank you okay so I'm gonna close out today with reverse mortgages and beyond and uh I am bringing on another show and we're gonna have a um Miss Lydia is going to join me back and we're gonna talk about probate real estate.
00:28:54.160 --> 00:29:04.319
Then I'm gonna have a hospice company Ascension Hospice with us today and then we're gonna also have um a Death Jew Death Jewell Margaret joining us.
00:29:04.480 --> 00:29:07.920
So thank you for joining and look forward to seeing you on the next show.
00:29:08.160 --> 00:29:14.960
Again this is Cheryl Scheidel, NMLS number 886425 with Barrett Financial an Equal Housing Lender.
00:29:15.119 --> 00:29:22.720
Please remember that loan programs, rates and eligibility guidelines are subject to change and may vary based on individual circumstances.
00:29:22.880 --> 00:29:27.039
Nothing discussed in this episode constitutes a loan offer or credit decision.
00:29:27.200 --> 00:29:31.359
Any examples or scenarios shared are strictly for illustrative purposes.
00:29:31.519 --> 00:29:35.440
All loans are subject to credit approval and underwriting conditions
