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[00:00:00] Welcome back to the What More podcast. I'm your host, Quinton Harris. You're dialed in for episode 246 and I'm [00:00:05] really excited, probably a little bit more for this one than I am other ones, just because, you know, I constantly am talking about the [00:00:10] economic updates, talking about the impacts and the Federal Reserve and what it means for mortgages and what it means for mortgage rates.
Today I get to talk about [00:00:15] a new sponsor to the show. I'm very fired up about this. So in this episode, we're gonna be talking about our [00:00:20] new sponsor, and we're gonna be talking about how to adapt and thrive in this marketplace, all that and more in this [00:00:25] episode at What's your one more.
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All right, so welcome back to the show here. I'm not gonna tease you any longer. you probably see it on the shirt if you're watching on [00:00:35] YouTube. If you're not, check us out at YouTube at what's your, one more with the number one hit that subscribe button you're gonna get all the [00:00:40] goodies we put in every episode,
Bunch to unload in this one. So let's get started. Our new sponsor to kick things off is [00:00:45] Texana Bank out of Dallas, Texas, Keller, Texas, right outside of Dallas there. Been around for about [00:00:50] 110 years. Very excited to partner up with them, because they came to us and they said, Hey, Q, you got this [00:00:55] podcast.
You got a great group of people over there. we think Charlie's a world class Producer. we've got a really [00:01:00] cool product that we think your audience is going to like to hear about. And, that's what I'm gonna focus [00:01:05] the energy on today. And this is not gonna be an infomercial for them.
If you're a real estate agent, if you're a loan [00:01:10] officer, this is your episode because we're gonna share something with you that has not been to Market. [00:01:15] And, quite frankly, you know, I've been doing this for 23 years. I saw this and took me a little while to get my head around it, but [00:01:20] once I did it was almost like,
the pistons were fired on all cylinders. It was very hard to deny [00:01:25] the power of this. Now, it's not your traditional mortgage product by any means, so I'm not gonna put you on snooze alert there. But what [00:01:30] I am gonna talk about is this relo, that's R-E-M-L-O, real Estate Mortgage Loan [00:01:35] Officer. Now, when I first hear that term, they've got this copyrighted and a whole program behind it.
But when I first hear [00:01:40] that term, I start to think of you know. People that are pretenders in the market space that have tried to do something with [00:01:45] this, type of notion. So I'm gonna break it down and go through it here. And, one of the things I wanna talk about was if you're [00:01:50] not familiar with dual employment, let me back up punt and talk a little bit about that.
So, [00:01:55] in November of 22, HUD released a memo that said Real estate agents can now be [00:02:00] licensed loan officers license. Meaning that they hold a nameless license number either federally [00:02:05] or through the state. And, this was a big deal because it, it offered some light on the [00:02:10] fact that in the past, real estate agents could not be considered a loan officer on the same [00:02:15] transaction.
That was, considered a conflict of interest. Well, in 11 of 22, HUD said, you know, it's kind of [00:02:20] silly. we see the pros of this, so we're just gonna go ahead and do away with that. And there were some, you know, there was some bad [00:02:25] vibes in the air about it at first because a lot of people were like, how can you do that?
Like, how is that okay? [00:02:30] And, I gotta say, I was in that wheelhouse in 22 when this came out. what I didn't know [00:02:35] is that a company like Tana Bank was in the background and, putting together some program [00:02:40] guidelines with very high end attorneys to get this program approved. And they did. And [00:02:45] 24, they came to market space with it, and I met them,in the midst of 25.
And you know, here [00:02:50] they are off and running with it and it's pretty impressive. So one of the things that's going on right now is [00:02:55] with dual employment, you have two paths to become a dual employment. person, you know, [00:03:00] obviously if you're a real estate agent, how do you become a licensed loan officer? So there's the traditional way, [00:03:05] which is a state license, and many of you're aware of that you have to take a 20 hour safe course and then you have to [00:03:10] go take your state's license and then get an approval for a license and hang that at some sort of lender, whether [00:03:15] it's a independent mortgage banker or a mortgage broker.
You hang that license with a lender and now you're [00:03:20] licensed to work with them. There's a federal charter exemption that takes place, which banks have, [00:03:25] and you don't have to take the test. You do the fingerprinting just like you do as a loan [00:03:30] officer on a traditional side, but you instantly get your MLI number, which stands for the National [00:03:35] Mortgage Licensing System, and you get the ability to start acting as a loan [00:03:40] officer.
Almost instantaneously. Now, there's some continuing education requirements that go with that, just like there [00:03:45] is on the mortgage broker and independent mortgage banking side, but there's no test feature and there's no 20 hour [00:03:50] sit, wait, do this course, then go take the test. again, there's continuing education, so [00:03:55] there's a huge wall and a huge barrier that's taking down.
When you start working with a bank that has the federal [00:04:00] exemption. And it's interesting because I've always felt like when I've talked to real estate agents about something like this, [00:04:05] the biggest hurdle is I don't wanna get my license. I don't wanna go through all that to go get a license. It's just not worth [00:04:10] it to me.
I tend to agree with that. By the way. I think one of the things is, you know, when we talk [00:04:15] about, these pretenders in this space, if you may, is that there's people that, you know, maybe a mortgage [00:04:20] broker, maybe an independent mortgage banker, they try to circumvent. You know, the situation by saying, Hey, [00:04:25] come be a, a, BDA, like a business development agent or a marketing agent with me and I'll pay you [00:04:30] a quarter.
and that's, you know, that, that's out there. It kinda has an icky feeling to it because, [00:04:35] oftentimes it's not even disclosed. You work with a mortgage broker or an independent mortgage banker. you just do it and then [00:04:40] you get this money paid to you in the form of a pay stub and it's alright, that's, that's kind of got a weird feeling.
and that's because it [00:04:45] is kind of weird to be honest. I. And the thing I liked about what TE Bank did with Relo is [00:04:50] that they put it all out there and said, Hey, listen, you're gonna be an employee of the bank. You're gonna be a W2 [00:04:55] employee of the bank. there's gonna be a complete disclosure process between you, the [00:05:00] agent and the customer about your employment.
And, uh, we are going to be able to present exactly how you would [00:05:05] work with a dedicated team at Tech Bank to put together loan options and [00:05:10] features. For your customer, and that was one of the things that stood out to me the most is the amount of compliance they've put into this [00:05:15] program to allow for that.
And, it's pretty cool when you look at some of the stuff we're facing. Today's [00:05:20] market, obviously if you're a real estate agent, the NAR settlement changed the dynamics of how buyers and, [00:05:25] buyers agents work together with the buyer brokerage agreement. And then if you take a look at the lending environment, one in [00:05:30] three mortgage loan officers are exiting the business right now.
So what we're finding is there's [00:05:35] some challenges in real estate. Obviously mortgage lending hasn't been great over the last two years for a lot of people, and people are [00:05:40] getting out. So the actual. competition is shrinking at dramatic rates in there. And so when I [00:05:45] take a look at that, one of the things I always ask is, how do I preserve myself in an environment that is always [00:05:50] looking for ways to get rid of your position in this environment?
Whether you're a real estate agent, whether you're a mortgage loan [00:05:55] officer, whether it's ai, whether it's competitors, like how do you preserve a foothold in this environment? [00:06:00] It's one of the things I really like about this product that kind of drove me to talk about it and bring them on as a [00:06:05] sponsor.
The other thing about the federal exemption is that you're licensed in all 50 states [00:06:10] right away. when you're a independent mortgage banker or you're a mortgage broker, you have to get an [00:06:15] individual license for each state that you wanna lend in. With the Federal Charter Bank, you're [00:06:20] instantly in all 50.
Now, to me, that's incredible from a real estate's perspective, because now that just opens up all [00:06:25] kinds of floodgates We're gonna get back to here in a minute that quite frankly, you don't have the option to do. And [00:06:30] now with this product, you can, and if you want information on this product, I.
We're gonna have the [00:06:35] entire slide deck and links of how to learn more about this in the notes section on YouTube at what your [00:06:40] One more with the number one right now. When you take a look at dual employment, it's [00:06:45] available in 45 states right now. Now again, banks are federally chartered. They can lend in [00:06:50] all 50, but the dual employment concept hasn't quite been accepted by all 50 states yet.
it's getting there, [00:06:55] it's my understanding. It'll probably be there by the end of 25, but right now there's five, Delaware, Louisiana, New York, [00:07:00] North Dakota, and Utah. But those are coming online very quickly as I even do this presentation. [00:07:05] So when I look at like what the future holds, how to maximize,our longevity in the industry, [00:07:10] what I always take a look at is what type of value can we bring to our buyers, to our sellers, and our past customers [00:07:15] while growing our business?
And ultimately present the max benefit to a [00:07:20] consumer. So one of the things that I take a look at from this 50 state national charter is [00:07:25] if you're a real estate agent, your income traditionally comes from the commission [00:07:30] charge.
Whether you're a buyer's agent or a listing agent Imagine an environment now where you have an [00:07:35] entire team supporting you on the backside, and you go from being an agent to being a full [00:07:40] service agent or concierge agent, either of those terms, but a full service agent is someone that [00:07:45] eliminates the love triangle.
See, in real estate, there's this love triangle that I've witnessed over the last 23, 3 years [00:07:50] between the buyer. The real estate agent and the lender, and it's always there and it's always gonna [00:07:55] be there. When you can eliminate that love triangle and you're a direct connect to the real estate [00:08:00] agent and to the buyer, a lot of things start to become very transparent.
For [00:08:05] example, if you're the real estate agent, you're the point of you're a single point of contact for the [00:08:10] entire time with this customer. And what we've seen over the last really year is that consumers [00:08:15] are really starting to appreciate that because there's not a lot of he said, she said, and there's not a lot of passing around.[00:08:20]
So when you do that cool part about this program is a real estate agent, [00:08:25] you get paid 50 basis points as a REMLO agent in this product. So what does 50 [00:08:30] basis points mean? It's a half a percent. So if you're doing a $500,000 loan, you're gonna get [00:08:35] $2,500 as a loan officer and a REMLO product here at Tana [00:08:40] Bank.
You're gonna have a loan partner and a team behind you that helps put that deal together and helps [00:08:45] collect conditions and helps structure it and close the deal while educating you and doing those same things, but it's going to [00:08:50] be something you've never experienced before. And also the win to this is [00:08:55] imagine that database that you have, the database of customers that right now you're hoping you can [00:09:00] help them buy another home.
You can help them sell their home. But what happens when a refinance pops up? [00:09:05] How do you handle that? How do you handle it when a customer doesn't wanna move, but they would like to refinance? Do you refer [00:09:10] that out to a loan officer or do you say, okay, yeah, rates are looking good. You know who you're gonna [00:09:15] call, but right now in this product, you can say, oh, I can help you with that as well.
[00:09:20] Because now as a REMLO team member of Tana Bank, you also get to participate in the [00:09:25] refinances under your book of business. That's right. They go right into your pipeline, just like a traditional purchase goes right [00:09:30] into your pipeline. That's something that I've never seen before. And now we're taking the agent and [00:09:35] we're making them part of the lending side.
We're actually bringing value to the agent with this product [00:09:40] versus saying, hey, can we go have coffee? I wanna talk about how I can provide value. And ultimately it's [00:09:45] a always a meeting that goes somewhat like this of a loan officer trying to tell you how great, their [00:09:50] products are and. How they close loans on time and how they call the customers back [00:09:55] and how that they, usually can close early.
And, also that, by using [00:10:00] them, it'll help you get more business by helping them, right? So essentially that's the pitch, right? That's always the [00:10:05] pitch. And the reality is like that's like basic functionalities of doing your job. There's really no value there. It just means you're doing [00:10:10] your job, right?
In this particular product we're talking about value. Value in the form of customer benefit and [00:10:15] also value back into your business in the form of income generating revenue. Now, there's [00:10:20] some bonuses in this. If you did a million dollars in production a month, just like a loan officer [00:10:25] would get an additional income stream for doing more volume, you too get additional income stream for doing more [00:10:30] volume.
So if you do a million dollars in a month, you get 60 basis points. So you did a million, [00:10:35] that's an extra $6,000 in your pocket. This is something that is not. Just, [00:10:40] Hey, here's a couple hundred dollars. Like this is real money that can change your life in multiple different ways, whether [00:10:45] it's bringing on a new team member, whether it's going out and.
You know, structuring your SEO to get more [00:10:50] leads. There are real items of value here that you just can't deny. And when I look at [00:10:55] this, I'm going, wow. Like this is something that, yes, I'd love to have you as a sponsor. I'd love to bring you on the show, [00:11:00] and I'd love to talk more about this because it's incredible how it works.
And then one of the biggest [00:11:05] like hurdles I think people are looking at is oh, well if I'm a real estate agent, I don't wanna become a loan officer. [00:11:10] Well. Okay, well, let's back up. You know, there's certain requirements that are to [00:11:15] be done to be considered a loan officer. Knowing product guidelines in and out is not one of them.[00:11:20]
Understanding every single guideline is not one of them. You got a team that does that for you in the back office in this [00:11:25] system, you don't need to learn to do that. So don't be fearful of opportunities because you're psyching [00:11:30] yourself out. Or more importantly, you go talk to someone that you're currently working with on the finance side and they go, oh yeah, we [00:11:35] don't have that, and here's why you don't wanna do that.
This product is something pretty incredible and it's something that is mind [00:11:40] blowing to me. The other thing in this product that kind of is really a neat [00:11:45] feature that I haven't seen before either is a downline component. It's a first generation downline component. So [00:11:50] if you're in real estate, you know exactly what I'm talking about here.
So if you get into REMLO [00:11:55] and you start talking about it with other agents and they join, now you get a [00:12:00] downline on those other agents to the tune of 10 basis points. That's pretty impressive when you think about it. [00:12:05] downlines in perpetuity, as long as you're a team member of the bank, that is something I've never seen [00:12:10] before.
And when I take a look at these wild, amazing opportunities, what does it [00:12:15] take to be a part of it? Right? What does it take? Like you're gonna have people going, Hey, I wanna do it right away. Well, [00:12:20] there are parameters to enter it because obviously you don't want just every agent involved, [00:12:25] right? And I don't mean that in harm of like, Hey, we just wanna select few.
What I mean is that there's some agents that are newer [00:12:30] to the business or maybe just not doing a lot of business. Maybe they're part-time in it. Well. This product is [00:12:35] calling for is full-time professionals, right? So there are some parameters on this and here's the parameters of [00:12:40] qualification, if you may.
you need to close at least $3 million in real estate volume. I. That's [00:12:45] parameter number one. Parameter number two is that when you enter the program, [00:12:50] you are committing to deliver six loans, whether it's in a combination of refinances [00:12:55] or all refinances or purchase agreements, that you will commit to doing six loans on an [00:13:00] annual basis.
I. That's one every other month. That ain't that hard one every other month. And that's what I also love [00:13:05] about this program. They're not calling and saying, Hey, I want all your business. I gotta have it. They're asking you to participate and [00:13:10] slow walk into this. You know, we have REMLO agents right now that do a hundred percent of their business inside there, and we have some that do [00:13:15] 80, we have some that do 50.
You know, there's walks of all lives inside of this, but there's opportunities galore of [00:13:20] what can be done in here. And what we find traditionally is that people that get involved in the program start really [00:13:25] adapting the program and then they start thriving and then they start going, wow, look at all the opportunity that I [00:13:30] have.
I had an agent tell me if I had this eight years ago, 80% of my customers [00:13:35] would be enrolled in this through me, because everything I do is sphere of influence. Everything I do is [00:13:40] referral base. They trust me. And I think when you go back to that love triangle, right? [00:13:45] One of the things inside of real estate, I think is the hardest question that every loan officer [00:13:50] gets at some point in their career that is asked by the real estate agent, whether it's on the listing side or the buying side, [00:13:55] and that is.
Why are we just now hearing about this? I mean, it's like [00:14:00] the cringe-worthy question, right? Well, what I love about this is guess what? If you're a relo agent, [00:14:05] you're on ground zero, like you're learning as the whole loan process takes place. There is no, why are we [00:14:10] just learning about this? Because you're literally hearing about it as it happens.
The transparency and the [00:14:15] curtain has been pulled away for you to be right involved, and they're giving you the keys to the bank so that you can [00:14:20] understand exactly how this is done. Be the best benefit for your customer you can be. [00:14:25] What a differentiator that other agents don't have an opportunity to be a part of if you're not enrolled.
The other thing on [00:14:30] this that I often ask myself is, how many times is a real estate agent? Have you worked with a loan officer, good or bad [00:14:35] experience? And that loan officer has blamed the underwriter at some capacity that, oh, well [00:14:40] the underwriter wants this. Well, why do they want that? Well, they just do.
Well, can we talk to 'em? No, we're not allowed to let you talk to [00:14:45] 'em. Guess what? As a team member of the bank, that underwriter is now your [00:14:50] team member. If you felt the need to get on the phone with your loan partner and work through that with them, go for it. [00:14:55] Absolutely. Like the transparency again, is there, the curtain is pulled back.
The opportunities are [00:15:00] endless in this particular scenario for you to be at ground zero and eliminate some of the biggest questions, some of the biggest [00:15:05] woes and biggest concerns you have during the loan transaction. Another really cool opportunity in [00:15:10] this as a real estate agent. we're broadcasting here from Jacksonville, Florida.
We have a huge military, [00:15:15] navy, base here in Jacksonville. We also have,many of veterans as well, and active duty [00:15:20] military. How many times have you worked with someone, not just active military, but [00:15:25] anyone that's bought a place I. You are the real estate agent, and then two, three years later they [00:15:30] call you.
Maybe they got orders, maybe they got a job transfer, but they're moving and they're moving somewhere outside of the [00:15:35] state. Let's say they're gonna move to South Carolina, Georgia. I'm just using proximity to Tennessee here, Michigan, wherever California [00:15:40] they're moving. And typically what most agents experience there is when the [00:15:45] move happens, the agent.
Becomes the listing agent of the home to sell the home here, and then they [00:15:50] may have the opportunity to refer them to an agent in one of those other markets, right? And then they get in their referral [00:15:55] network. After that, you keeping up with that borrower is really going to be whatever [00:16:00] CRM you send to them, as well as some Facebook or social media updates as to what's going on.
Like you keep up with [00:16:05] 'em that way. Outside of that. They're off your radar, right? That's, and it's not 'cause you want to, it's just 'cause they're [00:16:10] in another state where you can't do anything for them, right? You have no ties to them. Imagine a moment [00:16:15] where the person goes, Hey, Mr. And Mrs. Agent, we're being transferred [00:16:20] and we're moving to insert in this scenario, let's say California.
And you go, oh wow, that's [00:16:25] awesome. I can find you a great agent if you'd like me to out there. And they go, oh yeah, that'd be greater. No, we already got someone. Either [00:16:30] way. Right? But now you can also say, Hey. I also have the ability to help you with that loan so I can [00:16:35] stay a part of your next transaction with you and your family, and I can walk through that with you [00:16:40] and be there overlooking the process to help you out to ensure you get the best product and the best experience out [00:16:45] there.
I. And now you get to be the relo agent on that, and you would get paid 50 or 60 basis [00:16:50] points depending where your volume failed during that time. And that counts as one of those six deals in the transaction. And let's [00:16:55] say that transaction goes as well as I know it's gonna go, the agent on the opposing end is gonna say, [00:17:00] well, I, I didn't know you were a lender and an agent and you're gonna, well, yeah.
Have you heard about REMLO? And then guess what? If [00:17:05] that agent signs up and they qualify, they're now in your downline. The. Opportunities of [00:17:10] vertical integration in this are insane. And again, I've never seen another bank [00:17:15] do this. There isn't one out there because the federal charter exemption is making this product so [00:17:20] robust that I haven't seen that before.
this is something that I think is [00:17:25] incredible compared to what. The pretenders are doing in the market. This is not a situation where it's [00:17:30] like, Hey, I'll give you a quarter and make you a marketing agent if you just send me your deals. This is a situation [00:17:35] where you are a licensed nameless loan officer under REM Lo.
You are [00:17:40] working in a dual capacity and you more importantly, are transparent with your customer about everything [00:17:45] from start to finish, including to the point to where if you're a buyer and you're presenting the buyer broker [00:17:50] agreement, you're saying, Hey, listen, I can't even show you a home. I can't get engaged with you on anything until you and I [00:17:55] agree to.
Somewhere between zero and 3% on this, maybe even higher. I mean, I'm just using these [00:18:00] numbers. Most of it's two and a half right now, but you're having that conversation with 'em and [00:18:05] they agree to a number and you say, if the seller does not pay me a commission, this is what you're responsible for. And [00:18:10] that's part of the buyer broker agreement.
And the full disclosure, oh, and by the way, is a full service agent. I want you to know that [00:18:15] I can have complete. Control of the loan transaction, be your single point of contact, and [00:18:20] I have the backing of 110 year old bank at Tana Bank as a relo agent. This [00:18:25] is what I would make if I was to do your loan. I don't have to do that.
And even if you don't use me for [00:18:30] this, I can still provide wonderful services as a real estate agent and close your loan for you very confidently. [00:18:35] But if you'd like me to have full control and be a part of the whole thing with you. I'm right here step by step if you want me to do [00:18:40] that. And this is what I would make.
Again, full disclosure and transparency. Something that you don't see in the business [00:18:45] when people are doing these pretender type situations. The compliance aspect, this is [00:18:50] led by a great team of REMLO officers over at Tana Bank. I mean, the team [00:18:55] that I see over there that I've interviewed before, I brought them on as a sponsor, hands down.
Lights out, [00:19:00] fantastic. Super compliant, oriented and very thorough, and they're to protect you, [00:19:05] protect the bank, and to protect the customer. This is something they've put a significant amount of time, energy, effort into. [00:19:10] I'm very excited. If you can't tell me, I can't tell you. Last time I brought a sponsoring the show, did an entire dedicated [00:19:15] episode about that sponsor and what they're doing.
But I wanna be able to talk about this. So when we start doing the [00:19:20] REMLO commercials and we start talking about what this is, you're going, oh yeah, I remember that episode 2 [00:19:25] 45, where they actually broke this down. That was super interesting. It's beyond super interesting, in my opinion. [00:19:30] This is life changing.
And I said at the beginning of the episode, this is. Something where you can [00:19:35] adapt and thrive and secure your spot In the real estate world, that's gonna be very [00:19:40] hard to poach, and I cannot stress that enough when, right now many of the companies are [00:19:45] racing to the consumer direct. Right now, there is a race to consumer direct, and it's being backed [00:19:50] by billions of dollars.
There's nothing right now that's intertwining the [00:19:55] relationship between the agent, the lender, and the customer. Nothing [00:20:00] like I've seen with this. Oh, and hey, listing agents, I don't wanna leave you out of this. What a great opportunity, [00:20:05] because every seller traditionally becomes a buyer. You know, listing agents, if you're listing heavy, you go, well, you talked a lot [00:20:10] about buyers here, not much about listings.
There's some opportunities with this as well. And what [00:20:15] that could be is an opportunity is obviously if the seller is selling and becomes a buyer, then you can obviously talk about your [00:20:20] services. We just did a whole 30 minute skit on that. But what about if you were saying, Hey, listen, in my listing agreement, [00:20:25] here's what separates me.
Think about that for a minute. 'cause I've seen many of listing [00:20:30] agreements, many of them, many of 'em claim they do this, they do that differently, they do this differently. But in reality, [00:20:35] a lot of it's the same. And that's not me being meme, but that's a lot of the same stuff being spun. 10 [00:20:40] different ways to show what you do for a listing presentation.
And ultimately the seller picks based on [00:20:45] two things, is what I've gathered from many listing agents who they have a bond with during that. And [00:20:50] also maybe. Price has a lot to do with it. It's not always the end all be all, but it does have a lot to do with it. [00:20:55] What if you had an opportunity to say, Hey, I have a little bit of leverage on this side over here, [00:21:00] if you wanted me to be the loan officer on this?
We can offer an incentive and we can [00:21:05] have an opportunity for that person to work with us because we're offering the incentive. And during that time, I'll [00:21:10] be in charge of the pre-approval. I'll have opportunities to take a look at the financing to know that we got a great deal [00:21:15] or we don't have a great deal.
I mean, again. Possibilities are endless on this side [00:21:20] because of the, project put together by texting pay for relo. And to me it's absolutely fascinating [00:21:25] and there's just so many different ways you can go with this. And again, I'm sure there'll be more that'll come up. The more I [00:21:30] learn about this product as well.
I. And it's rather new, but it's exciting if you can't tell. So if you [00:21:35] want more information on this, it's gonna be in our YouTube channel at Watch Your One More. we're gonna have links in there on how to inquire [00:21:40] and we're gonna have information on how to get started. More importantly, if you like this episode and you know someone [00:21:45] that's in real estate, you should share this with 'em, please send it over to 'em.
Episode 2 45. Do it [00:21:50] through Apple, do it through Spotify. Also, if you would kind of review the podcast, we'd love to get your feedback. Five star [00:21:55] reviews are critical to us. The subscribe button on YouTube channel is our best friend. If you would smash that up. We'd love to have [00:22:00] you guys on YouTube giving us commentary feedback.
This one we think is gonna get a lot of feedback, have a lot of q and [00:22:05] a on it as well. It's something we're really excited about and look forward to bringing on a new sponsor of the show. Texana [00:22:10] Bank, welcome to the show. We're glad to have you. Thank you guys for tuning in. We'll see the next episode of What's Your, one more. [00:22:15] [00:22:20] [00:22:25] [00:22:30]
