A Smarter Way Home

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

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/

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

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/

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

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/

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

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/

This week Victor and Danielle welcome Lexi Wilcox from the Howell Downtown Development Authority to highlight upcoming happenings and changes in the area. Their win of the 2018 Great American Main Street Award shows that they have a lot to offer. Howell is proud of its year-round acclaimed festivals and events, more than forty different specialty retailers (from traditional to hip & quirky) and deliciously different dining options. Parks, a beach, and remarkable historical architecture make it a place to be. 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 Lexi Wilcox - Howell Downtown Development Authority Website: DowntownHowell.org Facebook: @DowntownHowellMI Instagram: @DowntownHowellMI Email: LWilcox@DowntownHowell.org Ph: 517.540.6736

Vic and Danielle host Alice Whited, Area Director of Real Producers Ann Arbor / Brighton on this weeks podcast. Real Producers connects top producing realtors and affiliates in Ann Arbor and Brighton, Michigan through a monthly high-quality trade publication, mastermind & social events, and online community. We share inspiring and educational stories, local market trends, competitive standings, and other reader-generated content. 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/ Guest Links: Alice Whited Area Director of Real Producers Ann Arbor / Brighton Email: Alice.Whited@N2CO.com Ph: 734.558.5646 Facebook: @RealProducersAnnArborBrighton IG: @RealProducersAnnArborBrighton

Where are all the new homes?! If you're in the market, you've no doubt wondered why there seems to be a shortage of new properties available. This week, Danielle and Victor get answers from the experts at Healy Homes (who self-finance their operations, which means NO construction loan required!). Builder Mike Burke tells us why it can take 12 full months to build a home, how material shortages affect business, and why the building trade could be perfect for you. Check it out! Healy Homes is a family-run business that prides itself on every home it builds being a great home. We have been building quality new homes since 1982 in the Detroit area of South East Michigan and have built thousands of homes and developed dozens of subdivisions. 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/ Guest Links Website: healyhomes.com  Ph: 248-773-7572 Email: sales@healyhomes.com 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/

Danielle and Victor are back to recap some changes that went into effect July 1st: credit agencies now must wait a year before reporting outstanding bills to collection agencies. How will this impact your credit? According to Victor, credit is your financial resume, and we're here to help you become a competitive home buyer, this week! 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/assistmyrealtorYouTube: https://www.youtube.com/channel/UCDSKvim5NsiiEUbm3kQVGqw Instagram: https://www.instagram.com/assist.my.realtor/ LinkedIn: https://www.linkedin.com/in/assist-my-realtor-8101a5133/

What do trivia and real estate have in common? Connections! Danielle and Vic host Jacob Jacovetti from Above & Beyond Realty and Jacovetti Entertainment. They talk about the interesting way that Jacob found his way into real estate and how his companies help each other. Listen in for some fun and entertainment. 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 Jacob Jacovetti Ph: (313) 605.3221 Email: jacob@abrealtygrp.com Facebook: @ABRealtyGrp Facebook: @Jacob Jacovetti Keller Williams Living Facebook: @JacovettiEntertainment

Danielle and Vic are building a legacy for their company, agents, and clients with USA Mortgage. They're excited about their decision and the powerful additional offerings they can now provide. It's a great place to be; listen in to learn more! 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/

This week, learn the rules of engagement with Victor Bals and Jennifer Coppola as they talk about interest rates and market conditions. They share their perspective on the climbing interest rates and explain why historically there is still great opportunity to buy a new home. 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/ Jennifer Coppola - Sr. Loan Officer NMLS#168883 USA Mortgage Brighton Jcoppola@usa-mortgage.com Ph: 248-310-9347 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/

This week, Victor is joined by Jennifer Coppola from USA Mortage to fill in while Danielle is away. Together, they talk with Bill Maniaci of MI Roots Group – Keller Williams Realty Living about current and historic housing market statistics. The market has been like the Wild Wild West and Bill shares some very interesting facts about what he's seeing and the importance of working with professionals who have their finger on the pulse of the real estate market. 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/  Jennifer Coppola - Sr. Loan Officer NMLS#168883 USA Mortgage Brighton Jcoppola@usa-mortgage.com Ph: 248-310-9347 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 Bill Maniaci - Associate Broker – Productivity Coach MI Roots Group – Keller Williams Realty Living Facebook: @MIRootsGroup Bill@MIRootsGroup.com Ph: 517-672-6612

Season 2 is here! This week, Danielle and Victor are back with new insights, new strategies, and new tools to help real estate professionals & consumers navigate the housing market. This episode includes Danielle's economic forecast, a discussion on how inflation is affecting your ability to buy and sell, and the importance of building a reputation in the real estate business... and Victor has a name tag now, too!  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/

Need more time in your day to increase your real estate selling time? Listen in as Vic and Danielle are joined by Meaghan Murphy and Melissa Gaucher from Real Leverage Solutions. From start to finish they offer different packages to help agents get more time back in their day. Show Links For more information follow the links below. 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/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com  Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Website: Real Leverage Solutions Email: info@realleveragesolutions.com Ph: 810.844.1835

Danielle and Vic are joined by Attorney Erika McNamara to discuss why you should have a will or trust regardless of your age. Listen in as they cover topics on elder law, wills, trusts, and how to avoid probate court. Show Links For more information follow the links below. 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/ Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Erika McNamara – Attorney At Law, J.D., M.B.A. Ph: 734.476.0739 Email: erikamcnamaralaw@gmail.com Facebook: @erikamcnamaralaw Instagram: @mcnamaralawfirm

Abby Cooper, Partner of Cooper & Riesterer PLC in Brighton, MI. speaks with Danielle and Vic on Real Estate Law, involvement in the community, and the Livingston County Association of Realtors. There are lots of stories and topics to talk about when it comes to real estate law. Show Links For more information follow the links below. 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/  Victor Bals - Sales Manager, Sr. Loan Officer NMLS #162273 VictorBals.com Danielle Boote - Branch Manager/Sr. Loan Officer NMLS #170173 DanielleBoote.com Guest Links Abby Cooper, Partner - Cooper & Riesterer PLC Website: Cooper & Riesterer PLC Ph: 810.227.3103