23 NOV 2022 · Old school or new school, these realtors have it going on! Pat and Chris Lotz, the mother and son team at Pat Lotz Real Estate, join Danielle and Vic this week. They have some unique takes on real estate with how to generate and keep clients. There's Lotz to Love in Livingston County. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 Website:  https://www.victorbals.com/ Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 Website: https://www.danielleboote.com/ Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: https://www.assistmyrealtor.com/ Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Guest Links Website: https://www.patlotz.com/ Facebook: https://www.facebook.com/PatLotzRealEstate Instagram: https://www.instagram.com/patlotzrealestate YouTube: https://www.youtube.com/channel/UCr8ipmcEEPGAp4JW8QJ91Cw Ph: Pat Lotz - 734.637.3668 Chris Lotz - 734.474.8713

16 NOV 2022 · On this week's episode of A Smarter Way Home, Vic welcomes special guest, Brett Lesperance, from Tribe Title Company! Brett might be a familiar face to some as he has a podcast of his own, "Talk the Talk." These two podcasters come together and chat about all things titles, including, but not limited to: -Why you can never be over insured -What sets Tribe Title apart? -How you can find out the chain of title for your property -What is the importance of title insurance for a home? Thanks for listening! Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 Website:  https://www.victorbals.com/ Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/ Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 Website: https://www.danielleboote.com/ Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: https://www.assistmyrealtor.com/ Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/ Guest Links Brett Lesperance - Director of Client Relations Tribe Title Co. Website - https://www.tribetitle.com Brett's Podcast - https://www.spreaker.com/show/talk-the-talk_5

2 NOV 2022 · It's not where you live, it's how you live. According to today's guest Bev Barton, there's a lot more to real estate than just location. This week, Bev, broker and owner of the Living Well Company, joins Danielle and Victor for a special look at market conditions, rental properties, and the changing real estate landscape. Splitting her work between Michigan and Florida, Bev brings us insights on: The "Living Well" Philosophy Why Michigan is becoming a popular tourist destination (and how you can leverage rental properties to take advantage) How natural disasters actually affect property values What you need to know about renting.    And more! Thanks for listening. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/   Guest Links Bev Barton Website: LivingWellCompany.com  Email: Bev@BevBarton.com  Ph: 734.320.0121

26 OCT 2022 · It all starts with being educated and Danielle & Vic are here to help. There are many mortgage options in the lender's toolbox, knowing what is available and how to utilize them to best fit the seller's and the buyer's needs is a must in this market. Continuing your education can help you. Let Danielle and Vic add helpful tools into your toolbox. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

19 OCT 2022 · This week’s special guest, John Tenza joins Danielle and Vic in the studio. John provides amazing insights into our current market, Realtor production, and how to get more sales and closed commissions. With 40 years of experience as a top producing agent, 30 years as a professional speaker, and 20 years as a results coach; John works with brokers and agents who desire better results, more listings, and fat bank accounts! Interested in learning more? Check out the upcoming event details here:REV Up your Real Estate Results for 2023 with John Tenza Event Details: REV Up your Real Estate Results for 2023 with John Tenza Date and Time - Tue, November 1, 2022, 11:00 AM – 1:00 PM EDT Location - Crystal Gardens Banquet Center 5768 East Grand River Avenue Howell, MI 48843 Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133 Guest Links https://tenzatalks.com/ https://www.facebook.com/john.tenza https://www.facebook.com/profile.php?id=100063805037734

12 OCT 2022 · What is old is new again, meet the 2/1 BuyDown. A 2-1 BuyDown is a type of financing that lowers the interest rate on a mortgage for the first two years before it rises to the regular, permanent rate. The rate is typically two percentage points lower during the first year, and one percentage point lower in the second year. Listen in as Danielle and Victor break it down with a slideshow examples and the benefits. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/ Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

5 OCT 2022 · Veteran turned loan originator Eric Ensley joins Victor and Danielle for a deep dive into the grey area of VA loans. Having recently joined our hosts under the USA Mortage banner, Eric specializes in educating & assisting those working to get VA loans. This week, they cover: Eric's unique journey from paratrooper to loan officer. What a real loan officer is, and why not all "loan officers" can help you. Flexibility in VA loans and why it's important. How Eric trains loan officers and why education on VA loans is so critical for servicemen & women.     Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/   Guest Links Web: eensley.usa-mortgage.com  Email: eric.ensley@usa-mortgage.com  Phone: 810-869-5473

28 SEP 2022 · Get your braincells firing for this episode of A Smarter Way Home! Danielle and Victor talk retirement, credit scores, and why you should not only check your email, but read it too! Over-listing, buying furniture too soon, and cutting your credit line can all lead you astray when buying your new home. Tune in to find out why you shouldn't close your account, deposit a lump sum of cash, or retire without disclosing to your loan officer. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

21 SEP 2022 · Mike Wilbanks is back with us in the studio to discuss current, past, and future market trends. With over 40 years of experience as an appraiser, Mike gives great insight into the world of real estate. The crew talks about price drops, building relationships, value, and the common myths about appraisal. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/   Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/   Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/   Guest Links Michael Wilbanks - Certified Residential Appraiser Phone: 810.220.1814

14 SEP 2022 · On this episode Vic & Danielle talk about recent trends in the market and inflation. What is the ‘R word’ and is there reason for worry? The duo expands on entertaining multiple offers, understanding the numbers, why inflation is your friend, and the new definition of good credit in this weeks episode. Show Links For more information, follow the links below. Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Facebook: https://www.facebook.com/VictorBalsTeam Instagram: https://www.instagram.com/victorbals/  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Facebook: https://www.facebook.com/DanielleBooteMortgageBanker Instagram: https://www.instagram.com/mortgageswithdanielle/  Thank you to our sponsor! Website: AssistMyRealtor.com Facebook: https://www.facebook.com/assistmyrealtor YouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/