But is that really what buyers, I mean, do buyers need to be hyper focused on interest rates? Is that something that you're really be focused on?

I think at a really simple level, I would say that people are entirely too focused on the interest rate as the decision maker for them.

Like if interest rates are here, I'm a no.

If they fall down here, I'm a yes.

And instead of positioning the conversation into its real form, which is I do something when it's affordable.

Right.

And I don't when it's not affordable.

It always goes

Right.

Sure, that's totally in the ballpark for a self-controlled or self-directed VA home purchase where you as a buyer are in total control.

I don't need a special negotiation with the seller.

I'm just assuming I qualify for the zero down option.

then it's all, I'm in the driver's seat and I can do that.

That's one of the cheapest programs that really go.

I will say that I run into veterans who look to use this program and sometimes they come out with the attitude of, oh, I'm using a VI, I have no expenses.

When you cross a certain threshold, you might get a certain rate reduction or

Mm-hmm.

This year has been really momentous because the, the major regulators, they end up doing about 50% of the loans that are being made every month.

Fannie Mae, Freddie Mac, they're out there, and they are tweaking the rules for what is considered an acceptable condominium.

They did a small change in, in March of this year.

Was only positive.

Basically, they eased the rules on really small condo associations.

Okay.

Because I believe that a fair amount of associations are not prepared for this.

Does that happen quite often? It

does happen quite a bit because people are, you know, as much as they're buying this house and they've signed this contract for multiple six figures, right? They've got thousands of dollars on the line.

Right.

They still have their life.

And guess what's the most important thing to them? Their life.

and what they're doing, and their schedule, right? So when I come and I ask for them, the reality here is we get started, we do a lot of groundwork in advance to make sure that, yeah, it looks like you're actually going to get this.

Is this everything you need to get a loan? No.

Yep, it does

I don't think that's going to work.

Well, Alan, I want to hit you with the big picture question here, which is – and I've sort of done some reading on this and heard some arguments.

But one of the ones is – Are we going to or are we heading down a path that finds out that the label that we're giving our world today, where our river is in drought and has been drought for it seems like 20 years.

But are we going to find out that, in fact, that the previous century that we use as our measuring stick was the wet century and was way more wet than it would be normally and that this is the normal.

This is not drought.

This is normal for us.

And it needs to be adjusted.

Oh,

John Ingram, who will perform tonight, joined 580 Live this morning to discuss how he decides on what songs to play.

I go into these things with, you know, having some favorites of my own that I just wanna play for selfish reasons, you know.

But then I start talking to all the guests as I'm booking the show and kinda fleshing it all out, and I start getting their, their ideas of what they wanna do, some of their favorite songs.

Yeah.

A, it's the company you like available in your market.

We have seen insurance companies leave areas of the country.

They don't want to issue policies there for various reasons.

Excuse me.

And along with them choosing where they want to do business, we've seen, as you mentioned, the prices effectively double in many of these cases and go from a relatively small amount of money to now a noticeable chunk of cash on an ongoing basis.

Or at least it seems noticeable to me.

You're only going to get maybe another $12,500 when you sell the

Yeah, absolutely.

They've added incentives basically saying that if your state lets people through the process or gets people through the process faster, then you have the ability to touch more money from the federal government.

You get to access more dollars that let you build more housing if you can get them through this process faster.

Yep.

So that makes sense to me.

Now, you and I both want every home to be safe.

We want it to not ruin the environment.

That's not good.

That should fix everything, I would think.

Because this ties into my world.

Go ahead.

I find this to be a super tip for people who are...

I've spent all my time, I've lived with family, I've lived at this super low rent, this kind of thing.

I had a hookup, this kind of thing, and I want to figure out what...

I'm going out in the world and I'm going to buy something for myself for the first time.

you want to own a house, there's expenses.