Welcome back to a new episode of millennia, our

now second virtual interview.

And today we are joined by Ms.

Jenna Swoap.

Jenna is one of our previous clients from 2022.

Uh, we wanted to bring her on to talk to her about her experience through

buying a home so that we can actually get firsthand real life in the trenches.

Opinions and stories and war stories about, uh, what it was like out there.

So Jenna, tell us a little bit about yourself, where you

came from, how you found us.

Um,

so I grew up in Bucks County, but moved out here, maybe six years ago,

I want to say like Montgomery County.

Sorry.

Um, and I was renting in Audubon, PA for three years, big house,

cul de sac, like two car garage.

So casual.

And, um, I had literally casual your

average rental.

Yeah, just

your average four bedrooms, two and a half bathrooms.

Um, and I literally was the person that checked Zillow every single day.

It was just like a hobby of mine.

Um, and I had found you guys through my friend, Sam Pagel.

Seth, I don't know.

Were you guys in a Group together.

We

were in a networking group together and we still desperately

miss Sam and that she's so much fun.

I know she misses it.

Um, so she had recommended you guys and then it was a match made in heaven.

So all of your advice that you guys give on this podcast to shop around, I didn't

do that, but it worked out in my favor.

So

when you know, you know,

Seth just sent Jen along and then it was That's pretty good.

Sam's like, here's Seth.

Also here's Jen.

Listen, I, I, listen, I do this intentionally, like, you

know, um, depending on who it is and you know, I, I almost always

try to put somebody, you know, who's demographically kind of aligned, who

can relate, but also with the team, you always get, you almost always get two

realtors for the price of one because.

I think I did a couple of showings with Jenna when, you know, Jen was out.

Uh, this is gonna be hard between Jenna and Jen, uh, distinguishing between

names, but, uh, no, I mean, there was, I, because of the way the market, it wasn't

COVID, uh, it, it, it wasn't a matter of, you know, having one, you know, having

one agent, you know, is one schedule.

So we try to, you know, double up our schedule so we can accommodate the client.

It was also the craziness.

It was, The summer, I think we started 20, 22.

So I think we started looking like roller may spring.

We started then really just because I saw a house pop up in Phoenix though.

And I was like, Hey, Seth, kind of want to go see this.

Um, and then.

Didn't buy till September.

So it was a process.

Well, that's okay.

So we had, we did a lot in between that time.

We made a lot of memories.

We have a lot of stories.

So I guess, uh, first question is really then like, so you, how

long were you Zillow surfing for?

Oh, probably three years.

So really just because of like, I had an interest in it.

I know you guys hate HGTV for understandable reasons for making

unattainable expectations, but I like.

That's all I would watch if I was watching regular TV, which

also doesn't happen often.

Um, so I just loved looking on Zillow to just see what was out

there and like what understanding what you get for what price too.

So I think it helped me like in the process for sure.

Um, but it was literally every day for probably three years, just the

I mean, I hate HGTV like we hate Zillow where it's a like,

yeah, we have our things to say about it, but it is what is directly in

front of the consumer and it is what gets those kind of like motors going.

So like, love, hate.

Yeah, the Zestimates are probably the hate.

Not always, I mean,

There's some, there's some, It's the mortgage

calculator that I really hate.

Zestimates are, they're, they're getting more accurate, it's unique properties

where it's like eh, and that like it's all algorithmic to get clicks and everything,

but we've done that before, but.

How are you going to say so

now I'm saying weather channel did the same thing.

HGTV did like weather channel made like fans of like wet, like people will just

sit on the, on their couch and like watch like a hurricane bear down on

Louisiana, like all weekend, the same way she TV has made fans of real estate.

I do have a love, hate relationship with HGTV because it has created

a lot of interest in real estate.

And actually the consumer, I think comes to the, comes to the process, at least in

terms of like the house with a little bit more of a base knowledge, which is good.

Zestimates are hit or miss.

I mean, if it's a really unique property, it can really be way off.

The other thing that Zillow is not very good with is, uh, people who have recently

done repairs, uh, or done, uh, renovations that are home because Zestimate pulls

from the public record and it has no idea, like for me, like I have an extra

thousand square feet on the back of my house and Zestimate has no idea, so,

um, so, so sometimes it can, it can be good, sometimes it can be bad, but.

I mean, three years is a long time.

So what, at what point, like, did you turn around and say, Hey, I'm ready.

Like, what was the thing that said, okay, I, this is bullshit.

I want to just buy a house and I want to be done right.

And

get out of my cushy four bathroom hell bathroom.

Reaction

like that.

It's like, you know, Hey, I'm, I'm getting to a certain age.

I need to buy a house.

Like what, what, what was that thing that just tipped you over

to make the call to, uh, to us?

Well, for being totally honest here, it was

me ending my engagement.

Oh, I was in a five year relationship.

Um, that was not great.

And then I ended that January, 2022 and like we had been searching,

but it was going to be all on me.

Like I was the one that was, it was going to be my name, my monies, my house.

So once it ended, I was like, I'm still looking.

Um, so then I think I was originally thinking, I was like, okay, now I'm

going to wait, maybe do a little bit of traveling here and there.

So I did go to Ireland with my sister.

So that was a good time.

Um, and then once that Phoenixville house had popped up, I think that's

what kind of, Started the whole thing.

That's when I was like, all right, let's just do it.

Um, I was totally happy where I was.

My roommate was great.

Um, again, huge house, plenty of room.

I also, there wasn't any, it wasn't fenced in the yard or anything.

So I have a doggo, um, that is asleep at my feet.

So I wanted to get him a backyard.

So, um, so I think it was really just like, once I saw the.

Phoenixville house.

And once I got the numbers to from Mike Thompson, I was

like, this is totally doable.

And also looking at renting prices.

It just didn't make sense if I was going to move out of that place.

I would have been paying probably at least 700 or 800 more than

what my current mortgage is.

So it just really didn't make sense to me.

Like I had, I had it saved.

I had been working hard to save it.

I was working two jobs.

So then I was like, Hey, why not?

Let's just do it.

I love that you low reasoning.

I think that's actually what we first bonded over when you were like, yeah, so I

ended my engagement, but I said, screw it.

I'm gonna do it anyway.

I was like, I like this person.

I like this person a lot.

, Seth Lejeune: I remember.

I remember after the first showing like I, I remember because I don't

think I showed you that first.

That first Phoenixville house I think was Jen.

I think Jen went out and I said, Hey, Jen, uh, Jen, uh, this, this

woman, Jenna needs to, needs a showing you want to partner on it.

And I remember getting a text after that.

She's like, Oh my God, I love her.

Yeah, we bonded over our, uh, F man attitude.

Yeah.

Yeah.

I'll never forget the house that we went to that

had the empty picture frames and what I had said to you two.

I have a picture of it.

So that's for another day.

Um, all right.

So then, all right.

So you had made a decision.

You're like, whatever, I'm going to do it anyway.

Fuck it.

Uh, so then what were your initial expectations or your concerns

as first time home buyer, if you had any, or unless you were just

like, no concerns, sunk hot this,

I think I should have been more concerned.

I think I was,

or why weren't you?

Yeah.

I think I wasn't thinking a lot about.

Which has been hard.

I think I wasn't thinking enough about the upkeep and like what goes into it once you

are a homeowner because of renting where you really don't have to think about that.

Um, but I think my concerns were,

it's funny, like I, like getting bored of a place, like settling down and

like being like, that's a commitment.

Like you are there for, if you want to be smart for the

future.

Yeah.

Um, so I think that was what I was nervous about

is like, Commitment issues.

So, uh, and that's not why I ended my engagement.

Um, I think that was when I was nervous, but I mean, I was looking at all of

these different areas and it ended up being great of where I ended up,

but, um, I would say the commitment part of it was definitely a concern.

Um, and I feel like that was really it.

I, I didn't have a ton of, obviously money was a concern cause I was

looking at, um, I had a very.

I guess difficult budget, not difficult, but like it was a

limited budget for the area.

Um, so just finding something that I wasn't going to be totally strapped.

I didn't want to be totally house poor.

Um, so I'd say probably the commitment and being house poor were my main things.

How has that translated since you've had, since

you've been there for now, two years?

I don't, uh, It was definitely a wake up call of,

again, being a homeowner and not being able to just call a landlord

and be like, hey, this is wrong.

Um, so I know you, your storm door, you said, was it what, like, in

your first three days or something?

Yeah, second day.

Nice big storm.

So, I'm getting it fixed Monday.

Whoa!

It's been seven years.

I'm getting it fixed on Monday.

That's awesome.

Um, Yeah, I think the first, within the first week, like a cabinet

broke, like completely came off the hinges and my toilet was, um,

like overflowing at the bottom.

So I, and so I was like, Ooh, I'm so, I can handle this home ownership.

I just fixed this stuff by myself.

I'm an independent woman who don't need no contractor.

Yeah.

I was doing plumbing.

I was like, wow.

This is awesome.

Isn't too bad.

And now I'm here like, Oh, then my dishwasher broke.

Then the closet came off the hinges, like all this stuff.

So it's just that kind of wake up call that I think I wasn't thinking enough

about before, but it's, you know,

what you say.

We just did a, uh, we just recorded an episode of I bought a house.

Now what?

And

it's like, it's literally for that reason exactly to just say

like, Hey, I think what our second point in it was, things are going to break.

It's going to happen because that's what happens by your house.

Something breaks.

I just had settlement on Wednesday and I'm talking to my friend and I'm like,

congratulations, you bought your house.

Now something's probably going to break in like the next week because

that's just, that's just the laws of home ownership and how that works.

But it's kind of like who to have, what to do and.

The thing I like checked in with you afterwards and

you're like, yeah, it's great.

My cat had just broke for like a year.

Yeah.

I think I put something on like my Instagram story.

I was like, when you thought you were an independent woman who don't need no man,

I'd like to borrow a man.

Yeah.

Again, commitment issues.

Um, okay.

So during the whole, during the whole process, Um, what is, uh, something

unexpected that you learned or what was like your favorite memory from it?

Um, how creative you could get in the paperwork.

Elaborate with how creative.

Um, the one house, um, had a very terrifying six foot

plus tall Halloween decoration.

And if I'm not mistaken, did you write into the contract that?

I would have to keep him?

No.

It

was to exclude Kenny.

Okay.

Yes.

Yes.

So who's Kenny?

Kenny is the approximately six foot tall, terrifying

grim reaper, uh, that was casually hanging out in one of the, like

the dining room or the sunroom or something of the one house we went

to that had the starry night stairs.

Um,

Every shade of blue ever on the walls.

And not just Wells, it was on everything.

I

think the stair banister was born.

Yeah,

yep.

I have pictures.

If I can find them, I will send them to our editor to edit into this as possible.

If not, I'll find a way to like put them up on Instagram or something.

But yeah, no, they were, that was, that was a fun one.

So yeah, I wrote into, if you can make them laugh.

You can make them do anything.

So that was the approach on that one.

I had a good relationship and rapport with that agent.

And I wrote into the exclusions, respectfully, Kenny, Kenny respectfully.

Um, Yes, yes.

It was great.

She was very nice.

Um, and then there, yeah, no, there were some other very

creative things that we did.

There was another one.

I can't remember.

That was like my most memorable one, but I did write in something

pretty funny in another one too.

Yeah.

You had some very creative write ins.

I'll

take over.

You go through your file and your contracts and stuff.

I think I remember

Jenna, I think I remember Jenna asking like,

Hey, can I like write that?

I'm like, yeah, I mean, listen.

You can write anything as long as it's not a bribe.

If it differentiates your offer and it puts personality and it's like that, that

listing agent says, Hey, this is going to be someone who's fun to work with.

And, uh, as Jen does, you know, this, like, of course she is.

Um, it, listen, in those days, like, good God, like any edge was what we needed.

So I mean, we had people on our team, you know, writing in like,

well, we're going to bring pizza.

We'll throw a pizza party.

We had someone, I think with a pig, was that you Jen?

Yeah.

There's a, I wrote in

to have a pig, their pet pig present at settlement . Yeah.

Um, and that we would bring treats, uh, upon requests of the seller's choosing.

Yeah.

And that the seller or the buyer would bring her a

dog at seller's request as well.

There were seven dogs and a pig at that settlement.

Oh my goodness.

I think he did one of those.

I think maybe, is there a cat at present at one?

Yeah, probably.

Yep.

Like something like that we would offer, like we would bring treats.

Uh, seller's request.

Yeah, I'm sure we're that into

toys, cat toys, something like that.

But we would have gotten that Kenny house actually, like we, they

had to withdraw it off of the market.

And she was very disappointed because she wanted to accept

our offer because we were fun.

Which honestly, it all worked out that I did not get that

because it was slightly over the monthly that I was hoping to be at.

So I think it would, I think it would have been like 200,

300 more than what I have now.

It's also a lot of house.

It was.

I was just going to say that.

It was a lot of house.

Yeah, it was a lot of house.

Um, so do

you agree to say that, uh, you agree with the saying that the

right one is the one that works out?

Oh, yeah.

Annoyingly, yes, because I, I'm.

Wish I wasn't like, I never used to be like everything happens for a reason,

but

anyway, it was right.

Yeah.

Yeah.

Cause we, we weren't shy with putting out offers.

I, how many offers would you say that we've put out there?

I

think six or seven.

Yeah.

Yeah.

Something like that.

Oh, don't forget the ghost house,

the one that Jackson said it was creepy.

And the phone rang while we were there.

And I was like, I trust

you, Jackson.

I trust

you.

It was the Jehovah's Witness house.

Oh, yep, that one.

I forgot it.

Well, it's all coming back.

Yeah, we had Jehovah's Witnesses approach us at,

uh, after one showing and to show that we are prepared for anything.

However, Jed is the one who shut them down.

I don't know if I remember exactly what you said.

I totally forgot about that one.

Sorry, I'm atheist.

Yeah, I think that's what I said.

Yeah.

I'm not, but

it's fine.

Mission accomplished, though.

See what you gotta do?

Yeah.

So, needless to say, it was, it was quite a fun, it was a journey.

And, you know, it was the definition of, you know, you gotta set yourself

apart, do creative things, have patience, and know that the right thing

to is the one that worked out because actually we weren't initially looking.

I mean, we were kind of looking and where you're at, but it was slim pickings

until the one that you got is one that

came out.

We saw one other in this area.

Oh, it had like some kind of tree in the back.

Was it like peach tree or apple tree?

I forget.

If it's what I'm thinking of, it was peach tree.

I would know if you showed it to me.

I

think it was like a little peach tree.

Um, that one was so cute.

Um, and I think that one was maybe one I was sad I didn't get.

But again, like this, that one was.

Not updated.

It was out.

It was outdated.

It was a lot of, I think, wood paneling.

Um, or so it was an old house.

Like, so is mine, but the fact that mine was a complete flip and all of

the design choices were beautiful.

Once I saw the countertops, I was like, I'm sold.

You got a bunch

of countertops.

Yep.

Yeah.

Well, and you also saw, sorry, I keep cutting you off.

No, no.

I was going to say a lot of times, like, that's what happens.

Like when my wife and I bought our first house, it was a spice rack.

It was one of those ones you pull out like a drawer, but it was three levels.

And I remember her pulling it out and then her eyes lit up.

She looked at me, I was like, okay, we're, we're, we're buying

that.

I love

that.

And we hadn't even been on the second floor of the basement.

She was just like, oh my god, this is it.

For the spice rack.

Yeah.

I'm glad you decided to buy our house a spice rack.

Here's a butcher block on our top.

Like, so you've also seen, you were also very open minded.

With the like styles and conditions and everything that we saw.

Like I said, we saw anything from like blue, horribly painted

choices, houses to a horrific flip.

I don't remember that one that had like the tile on the wall in the living room.

And we were like, how do you even like drill through that?

And like the stairs weren't even like finished or like, so awful flip.

And then.

We like, it was based, it's like the Goldilocks and the three bears.

And it's like, you just got your just right, like the combination

of everything all in one house.

Yeah.

No, it was, cause I would have loved to have like a completely

outdated house and to have like done all of the aesthetic parts of it.

I didn't want to get into like knocking down walls or going to

the studs or anything like that.

Um, but I loved, I would have loved to have done like a completely updated thing.

But then there was a few that we saw.

Where you would have to touch every single thing.

And I was like, at this point.

I can't put in another, whatever, a thousand dollars.

So again, this one works out completely.

I don't chime in there too.

Cause I think that's important to talk about a little bit too,

because it's not just about money.

It's about time.

Like you're young, you're building a career, you know, I guess,

I mean, you're newly single.

I have no idea, like, you know, but I know you're very into, you know, fitness

and hanging out with friends and stuff.

And it's like people, I think that too often go in and, Um, they go

in and they just think, well, wait, this is going to be a lot of money,

but it's also like, once you start doing these, these renovations, it

can be, it can be time consuming too.

Um, so I think it's important for people to, to understand that, that that's,

that's kind of a two pronged effort.

But the flip side of that is, is you get two things, you get a reduction on the

price, but you also get what you want.

Like you get to put in what you want.

And sometimes that's more important for people.

So it's all kind of like a mix.

We try to drill down with people.

Uh, and some people have no idea or no preference.

And sometimes they're like, I won't know it till I see it.

And it's, it's all by feel.

But, uh, I think that's an important thing to kind of point out.

Like, what is something though, like you would give, and just to

be clear, uh, Jenna bought, like, this isn't like a 2020 purchase.

Like she had higher interest rate.

This wasn't anything where it was like, uh, you know, um, something

where like, we wanted to bring Jenna on because she's very relatable in

terms of, The thought process and the demographic of, uh, of our audience.

But what is the, what is a, what is something you would tell a first time

home buyer, or maybe it's something you're telling your friends now, like what is

something you would tell somebody who's renting or they're in a house, but they

need to upsize or something like what's, uh, what's a piece of advice you would

give to them based on your experience?

Ooh.

Well, honestly, the amount of people I've told, it was one of your guys first

podcasts about everyone complaining right now, the interest rates are so high,

they're like, Oh, I'm going to wait.

I'm going to wait.

I'm going to wait.

The amount of people I have told, Hey, um, my realtor has this

podcast and they talk about this and I, people are like, shut up.

I've told so many people that it's like, okay, if you can hold onto the

interest rate right now, like just do it.

You don't have competition versus, okay, if you wait a year

from now, you're going to be.

waiving inspections, what have you.

Um, I think the waiving inspections things would be, we should never go back to that.

I hope we never get back to that.

Like that was one thing.

We're kind of in it

again, but you know,

there's some ways.

We've got

all kinds of tips that we got all kinds of workarounds for that now.

So

you did for me and I didn't even know that was the thing.

We did a walkthrough inspection.

I was going to ask actually, because I

remember we did that and.

How you, uh, felt about that work around forks.

I know that you waived inspections in your contract, um, after we did

the like showing consult inspection and how you feel that was for

a work around for the way that

was something I learned.

I didn't know that was a thing.

So we did, we waived the inspection as like, we can't back out,

but we did a walkthrough for strictly informational purposes.

Um, and I think it went really well.

Um, not for what I haven't had any of those, like.

Big issues.

I think we just discovered during that, that my shower didn't get hot water.

I showered for the first, I think into November, I was taking cold showers.

That

wasn't the first thing you addressed.

Okay.

I don't take responsibility for that one because we did that.

He said it.

I hope you like cold showers.

I know.

I literally hear they're good for your health or something.

It was getting into November and I was like, all right,

this is getting a little tough.

So then I just had a, um, a plumber come out, but all it was,

Was the people installed the,

yeah,

yeah,

yeah.

It's, it's a simple fix.

Yeah.

Um, so that was fun.

Uh, but yeah, for first time homebuyers, like I would say my biggest thing of

what I wanted going into it too, because we've talked about this a million times

is that things go wrong is have a cushion still, um, really focused on having

that cushion because things do go wrong.

Um, I wish I had a little bit more of a cushion, but just because

I'm neurotic like that and.

It was scary to watch my savings disappear, but I had the amount of

times I had to tell myself, like, no, this is why you have the savings

is why you're working two jobs.

You were saving for this house.

So I would say just still having that cushion afterwards for when things

do go wrong was my biggest thing.

That is good advice.

Cause that's the thing is like, you know, we'll talk to the lender and you

know, a, any old lender will say like, Oh yeah, no, they can't afford it.

But like one of the most important things is like, okay.

Okay.

But with what quality of life,

like

to be house broke or to actually be able to continue to live

and be able to like maintain the house that they are getting, because like, I

don't want somebody to be eating ramen for the next, like nine months after they

buy their house, because that's the only thing that they can afford with everything

that they just paid out of pocket.

So it's like, you know, kind of like bang those things up, prepare

for things that can go wrong.

So I'm glad that you said that.

Yeah.

Yeah.

And I, I will say all the lenders we work with.

Have that point where they'll say, listen, they can afford it.

Like, or they, they can, like, we can approve them for that money, but that's

a, that's a big payment, you know?

So I had a, I had a couple last year where, you know, they were

trying to just put it in her name.

And you know, he, you know, my lender just called me out of the blue.

And he's like, I, he's like, I can write this loan, but he's like, God,

it is a lot of money for that income.

And so like we, our lenders, our title, our inspectors, everybody is an extension

of our own philosophy, which is.

A hundred percent.

No one goes in house poor.

Yes.

It's going to be a little uncomfortable.

It's going to be an adjustment, but I always tell people, it's like, listen,

you know, lenders, realtors, everyone's going to go home after settlement.

And then you're going to be getting every 30 days in your mailbox,

a payment that you need to pay.

And like, it's super important that you are comfortable with that because like

Jen said, it's like your quality of life, because finances are a huge pain

point for people, especially couples.

They don't like talking about money.

And we want, we want the house to be a piece of a wealth building

of a life of wealth building.

And if it's, or if you're overpaying for your, for your house, like it

stops everything else in his tracks, even if it's just being able to go

on a great vacation once a year.

But also like for families, it's like, you know, getting, setting

aside money for college, setting aside money for eventual retirement

or other things that they want to do.

So, yeah, I, I can certainly appreciate, um, the idea that you, you know, not

putting too much stress, financial stress on the homeowner is, is key.

What would you say is, um, what would you say like your plan is

like what, so you've got this house, you've had two years, you've got,

you've got a ton of equity now.

Where do you see

yourself in five years?

Yeah, what's the, uh,

what's the, any, any big plan?

Are you just going to keep slaying this mortgage and, and, uh, and

building that, uh, that nest egg there?

Yeah.

I think about it so often.

There's times where I'm like, screw this.

I'm going to rent out my house and I'm going to move in with my parents.

And that's just.

feasible and not something I'd want to do.

And like, I work for a property management company.

So sometimes I'm like, whatever, I'll just move into theirs.

I'll get a discount, I'll rent out this house.

So constantly think about that, but I would say like, ideally, I

would love to have this house not forever, but like to have it as

like, Potential rental down the road.

If I do meet a man that I can tolerate for a while.

Um, that's hard to ask, um,

ideal situation.

I need a man I can tolerate.

And either he has not bought a house and can use first time home buyers percentage,

or like has a renting space, whatever.

And then I can have my house as.

A rental.

Um, if that's not possible, then I would think like maybe

five years, maybe upgrade.

And so I would, I would ideally want to keep this as to rent out eventually.

Yep.

And again, having that house with a payment you can swall, it makes that

rental and that wealth building tool, you know, you can perpetuate that

even after you move on with your life.

Yeah.

You know, the house will not only have served its purpose, but also

it will continue to serve just a different purpose for you long term.

And that's what my wife and I did.

We sold our first house, or we rented out our first house for

seven or eight years, you know.

Nice.

Uh, and it was a great, it was a great, uh, financial tool.

So, yeah.

And I just want to say one more thing too, is just to take off

something you said earlier was that, um, like advice that you're giving to other

people is like, why are you waiting?

Just like, get it now while you can and all of that.

Cause like you are the person.

The literal perfect example I remember I was talking to you one day like

a couple months ago and I'm like, I wish I could take you and clone you

into everybody else because like you understood the fact that it's like,

because when you like your interest rate is lower than what things are right now.

But at the time you were scrutinized like pretty heavily with like, but the,

cause they had just gone up and out of the whole, like 3 percent range and had

finally started like shooting back up.

And at the time they were super inflated and were telling you like,

well, no, like, why are you buying now?

Like the interest rates are so high now.

And you were like, Because like, because

yeah,

right.

And it's like, you didn't hear any of that.

And when you because if you bought when you did, you were able to get

what you wanted, got the right thing.

And now interest rates are higher from when you purchased and but you did it

because you said because I want to do it right now because it makes sense.

And everything ended up working out.

And who knows down the line, you still might be able to refinance

down to a lower rate also.

But you just said, cause I'm not worried about that.

I'm worried about right now and what I need and what I want to do now.

And.

You are now.

And then I texted you a few days later.

I'm like, Hey, look at this house.

It's for sale by you.

You have so much equity in your house now and you only bought two years ago.

I know my, luckily like the area has been up and coming for the last

few years and they just are, have built brand spanking new townhomes and condos.

So that's shooting up our equity.

And even just like my little row of row homes, they flipped one.

A little bit down, a few of them, others are empty.

So like everything's going to shoot up.

And I remember when I, when we first put the offer in versus when

I closed interest rate went up 0.

2%.

And then I think maybe a month later, it was like probably

six, seven and a half percent.

So I was, I think I got in at a perfect time.

Obviously would I have wanted a 3%, 4%?

Yeah, but it wasn't.

But you didn't wait for it to go back down.

Yeah.

Yeah.

You didn't try to time the market, which is really what, and, and

there's no investment out there.

There's no, people are paid millions of dollars a year to try

to time the market on wall street and they can't do it either.

It's like, you just can't do it.

Your logistics and your personal living situation needs to

override the idea of waiting.

And we have so many people who are like, I'm waiting for interest rates to go down.

It's like, yeah, well, if you wait for interest rates to go down, it's going

to be like, lure the flies out there again, because everyone who's thinking

your way is going to be back in the market and you're going to end up

spending more money for the house anyway.

So you took our advice, which is great.

Or I guess you took Jen's advice.

Cause I think Jen was the one it was the mouthpiece here, but no, I mean, it's

smart and you know, I think I showed the one down the street from you and my,

my, my lady didn't want it, but yeah, that's like a totally up and coming area.

And, and, and that's the other thing it's like, if you buy a house in a good area,

the appreciation will take care of itself.

Yeah.

And that's why I was, I'm so happy.

I did do this area.

I know I was looking in another area.

I won't say what it was, but at one point I said to Jen, after I bought

this house and I said, yeah, no one voluntarily goes in that area.

Driving into it was such a pain in

the ass too.

When you were like,

I don't want to do that anymore.

I was like,

Oh, it was where a lot of the houses were that were in my budget.

Like Seth, you even showed me one too in that area.

And I was.

They're all fine.

Also, taxes were absurd.

Um, so I'm, I'm so happy where I ended up.

Yeah.

Well,

I think that's a really great place to leave it.

So thanks for jumping on with us.

Unless Seth, do you have any other questions?

I don't.

I

Cool.

Well, love having you on.

Love having you as always, uh, coming from a fellow Millennium,

uh, frequent listener and super fan.

I'm a little bit behind right now though.

What was that?

I'm a little bit behind right now, but I'm catching up.

Well, catch up.

And then you can share this with everybody.

I'm on a

10 minute commute.

I have a 10 minute commute, which I'm not complaining about.

Trust me.

Um, But it's hard to get some listening time.

All right, well then we'll make sure this

doesn't drag out even longer too.

So if you want to find Jenna on Instagram, uh, good luck because

she wants to be unfoundable.

But if you want to find you, feel free to plug yourself.

You can't search me by name.

It's so hard.

Nope.

Even I try to tag you and stuff.

I can't find her.

Otherwise, you stuff on our Instagram millennia podcast with double everything.

Uh, and until next time, we'll catch you.

Thanks.