This, this is a Radio Realtors. I sold the house. This is a home. This is a place to live. It's a place to live. Northern California's longest running show on Real Estate. Real Estate is not just buying and selling houses. Who are you? Some kind of real estate agent. Real estate agent. I love Real Estate. I love Real Estate. I was saying to you I was out of that house. I wanted it. The Radio Realtors. I love every second. Now, here's your host, Robert Lewis. I'm free from it. Let's go to sell some hugs. [MUSIC PLAYING] Sing testing, one, two, three, one, two, three, one, two, three. Testing, testing, one, two, three. All right, here we go. OK. All right, welcome to the Radio Realtors. We are Northern California's number one real estate radio show. We're probably coming to you live from the Equity Protect Studios. Tidal fraud and theft is on the rise, especially if you own your home free and clear. Or maybe you just have thousands of dollars in equity. And we're seeing it all across the country. And there's only one company that truly stops scammers dead in their tracks from stealing your hard-earned equity. And that company is called Equity Protect. You can get your free risk assessment today just by going to their website. It's equityprotect.com. That is equityprotect.com. Tell them the Radio Realtors sent you. My name is Robert Lewis, your Real Estate Professor. And I'm Frank Crandall, your consignetti of Real Estate. And if you've got a question for us or a comment, or you're just ready to hire us to help you sell or buy a home, all you've got to do is reach out to us on our hotline number. And that's 83332 radio. That's 83332 radio. Or you can live chat with us 24/7 at radiorealtors.com. That's radiorealtors.com. And we've got a very cool show for you today with these topics. Yeah, the power of preapproval, unlocking the door to successful home buying. And we're even going to talk about our WA certification, which is one step above that preapproval. But we're really going to hone in on that power of that preapproval. Yes, folks. And we are still doing real estate. Yes, we are. Almost every day we are working with people. Yeah, it's just crazy. And we're also going to have a great interview to end the show for our last two segments. We're having Jim Adams, the president and co-founder of Equity Protect. He's going to be in with us. And you're going to learn everything that you need to know about how awesome Equity Protect is and why you might need that company. So if you'd like to get ahold of the radio realtors, we'd love to hear from you. Our number is 83332 radio. That's 83332 radio. Or you can use our live chat option 24/7 at our website radiorealtors.com. That's radiorealtors.com. Now Frank, the dream of owning a home is a goal shared by many people. But navigating that process of buying a house can be very overwhelming, especially right now, from finding the perfect location, to securing financing. Every step of the way demands some careful consideration. And by the way, Rob, a painting preapproval for mortgage before embarking on a home buying journey is a crucial step that often gets overlooked. Yeah, Frank, preapproval provides potential buyers with a wealth of benefits. And that's going to range from setting a realistic budget to gaining a competitive edge in this housing market we're in. Right, Rob, so on the radio realtors today, we're going to explore the importance of getting a mortgage preapproval, talking about the advantages and why there's definite power in the preapproval. And that preapproval is the key to unlocking the door to successful home buying, Frank. Yes, it is, Rob. And the first thing that a preapproval will do is give you understanding of your financial standing. You have Frank obtaining a mortgage preapproval. It's going to enable you to gain a comprehensive understanding of where you stand financially. By analyzing your income, your credit score, and your debt-to-income ratio are preferred mortgage lenders, they're going to be able to figure out the amount they are willing to lend you. And this info allows you to set realistic budget and narrow down your search to homes that are within your means. That's right, and preapproval helps you avoid the disappointment of falling in love with the property only to discover later on that it's out of your financial reach. Oh, I hate when that happens. And no one wants home buying sorrow, right, Rob? Right, Frank. They definitely don't. Now, the second thing that a preapproval is going to do is going to give you strength and negotiating power. Yeah, Rob. In a competitive real estate market, sellers often receive multiple offers on their properties. However, with a mortgage preapproval in your hand, you gain a significant advantage over other potential buyers. Yeah, and this is so true because sellers are more likely to take your offers seriously, knowing that you have already been vetted by a lender and you are financially capable of completing the transaction. And here's the deal. Preapproval enhances your negotiating power and increases the likelihood of securing your dream home at a favorable price. All right, Rob. The third thing that a preapproval will do is streamline your home buying process. Yeah, streamlining is good, Frank, because buying a home involves very many administrative tasks and paperwork and preapproval simplifies the home buying process by expediting your loan application process. And Rob, since our RWA buyers have already provided the necessary documentation and undergo preliminary underwriting, the final approval stage becomes much smoother and faster. And by being preapproved, you reduce the risk of encountering last minute hurdles or delays that could derail your home ownership plans. Rob, no one wants delays. No, they don't. Hey, the fourth thing that a preapproval will do is help you identify potential issues. Yeah, mortgage preapproval involves kind of like it's a doctor. They give you a thorough examination of your financial documents. And it's almost like I said, going to the doctor and getting a physical. But it's much less invasive, Rob. Well, most of the time, Frank, and that's because lenders carefully analyze your credit report, your employment history and your income to assess your eligibility for a loan. And this scrutiny can uncover any potential issues, such as Arizona credit report or outstanding debt that needs to be resolved. Right. And identifying these issues early on gives you an opportunity to fix them and improve your financial standing before you make an offer on a home. Now, we've got to go to break, Frank, but we want to talk to you just kind of here. If you're in the process and you've been thinking, I want to buy a home, but you're a little bit scared of the interest rates being higher, you're scared of what maybe a mortgage lender is going to find on your credit report. Maybe you had a foreclosure back in 2009 or 2012 or something like that, or maybe you gave cash for keys to your lender, or maybe you had a short sale, or maybe you did a bankruptcy several years ago, or you had a loan and you just said, you know what, I can't pay this anymore because of your financial status at the time. There's so many different things that could cause you not to be able to be pre-approved right now for a loan. Frank is actually leaving the building 'cause I guess apparently he had too much coffee, but anyway, I just want to let you know that there's an opportunity here for us to find out where you stand. And you know it's funny, we just received a phone call from a couple named Sandy and Thomas, and they said, we don't know really where we stand on this. We've had a couple bumps and bruises with our credit report, and you know, they called us on a Thursday and we talked to them on a Friday and had them talk to one of our preferred mortgage lenders. They got pre-approved on Friday and Friday they were out shopping for homes, and we just put an offer in and we're waiting to hear back. So we'll let you know what happens with that, but it can happen that fast. So give us a call at 83332 radio, that's 83332 radio. We'll hold your hand through the whole process and help you get pre-approved. And you know what, it's never a no forever. Sometimes it's a yes right away, and sometimes it's a yes, but we gotta do a couple of things first to get you where you wanna go. 83332 radio is our number, 83332 radio, or you can live chat with us 24/7 at radiorealtors.com. And we'll be back after this. Hopefully Frank gets back from the restroom as soon as possible. You know, there are some people that believe that all mortgage lenders are the same, but do you believe that diamonds and cubic zirconia are the same? Well, at first glance, they look very similar, but to the trained eye, they are totally different because one's a fake. What's even worse is when you're in the middle of buying a home and you discover that your mortgage lender is a cubic zirconia. This discovery could make you lose your dream home and your hard earned money. And if you want the real thing and not a fake when it comes to buying your next home, you need the diamond of lenders, Jeff Compton with Guild Mortgage. Jeff and his team, they're devoted to helping you get the right loan with the best interest rates and the lowest fees. And Jeff can close fast in many cases in as little as 10 to 21 days. For a quick response, you can call or text Jeff at 916-765-2900. That's 916-765-2900 or apply online at jeffcompton.com. That's jeffcompton.com. And I'm a less ID number, 298-997. Equal housing lender. Okay, honey, I'm done with your summertime cleaning list. Wash the windows. Power Wash the patio. Cleaned the outdoor furniture. Now for some me time. - What about cleaning the trash bin? - No, I didn't do that one. - Well, it's gotta be done. - But they look and they smell really bad. - Yeah, I agree. You know, I heard on the radio about a local family-owned company called Bin Love and Clean Bins. - Wow, here they are. Bin Love and Clean Bins. It says they use a combination of hot water and high pressure to clean the bins. And they sanitize, deodorize and disinfect them. - That sounds amazing. - And check this out. Bin Love and Clean Bins also has great reviews and their service is really affordable. So babe, can I hire them so I can finish off your summertime cleaning list? - Of course, honey. - Awesome. Summer sale alert. Enjoy 50% off your first cleaning with promo code summer 2024. Hurry, limited time only. Discount available on all recurring plans. Book your cleaning now at binloveandcleanbins.com. Robert Lewis here from the Radio Realtors and have you ever heard of the summertime blues? Well, there's even a song about it and they say there ain't no cure. Well, I know a way to beat those summertime blues and that's by calling my friends at zero res to get your carpets cleaned. Why? Summertime brings frequent foot traffic into your house and with it a host of dirt, whether people are barefoot or in flip flops, enjoying a deck, patio or kicking back poolside or maybe mowing the lawn or gardening, it means dirt will inevitably be tracked onto the floors and carpets in your house. And dirty carpets lead to poor air quality in your home, which will give you the summertime blues. So what should you do? Just call my friends at zero res and ask for the KTKZ special. Three rooms clean starting at just $139. Call zero res right now at 916-245-2992. That's 916-245-2992 or book online at zeroressacrameno.com. Tell them you want the KTKZ special. Spell it forward or backwards, it spells the same zero res. This, this is a Radio Realtors. I sold the house. This is a home. This is a place to live, is a place to live. Northern California's longest running show on real estate. Real estate is not just buying and selling houses. Who are you? Some kind of real estate agent? Real estate agent? I love real estate. I love real estate. I recently laid eyes on that house. I wanted the Radio Realtors. I love every second. Now, here's your host, Robert Lewis and Frank Cranwell. Let's go to $1,000. All right, welcome back to the Radio Realtors. We are Northern California's number one real estate radio show, probably coming to you live from the equity protect studios, Frank. And you know, we're seeing it a lot on the news. People that own their home free and clear or maybe they're absentee owners or maybe you own a plot of land. And all of a sudden, you get something in the mail from the title company or the county recorder's office saying that you have sold your property. And there's a lot of companies out there that say, "Hey, we will lock your home title so that you won't have any problems." Well, actually, all the other companies out there are just monitoring services. And what they do is they monitor your title. And then when something happens, they call you up or they reach out to you and say, "Hey, Rob, hey, Frank, I just want to let you know that somebody recorded a deed on your title or your home was granted to somebody or this happened." And that is not what you want. You want somebody that stops it from happening in the first place. There's only one company that does that on the planet and that is equity protect. They are the absolute best and they prevent scammers from accessing or messing with your hard earned equity. You want to give them a call, get their free risk assessment. You can actually do it online. Just go to their website, it's equityprotect.com. Equityprotect.com, tell them that the radio rilters sent you and you can even pick up the phone and talk to somebody but you can get that free risk assessment and it only takes a few minutes to do. Go to their website, equityprotect.com. That is equityprotect.com. I'm Robert Lewis, your real estate professor. - And I'm Frank Crando, you're come to Yeti. - Real estate. - And Frank, are you okay? - I'm good. - I was a little over served with coffee today and as you get older, I'm sure you folks out there will understand sometimes nature doesn't wait. - Yeah, nature calls and you got to answer that call, right? We are talking to you today about the power of the pre-approval and it's all about unlocking the door to a successful home sale and we're gonna give you the first couple of tips that we did. So tip number one is the first thing you need to do or the first thing that a pre-approval gonna do for you is gonna give you understanding of your financial standing. You need to know where you stand financially to figure out whether you can buy a home. So that is the first thing that you will find out with a pre-approval. The second thing pre-approval is gonna do for you is gonna give you strength and negotiating power. You know what? You've got that pre-approval in your hand. You are armed and dangerous and we call it our WA certification, our pre-approvals because it's really credit approval. So you're a one step above pre-approval. You literally have the golden ticket in your hand and you are able to negotiate at that point, you know? So you might be able to say, "Hey, I'm pre-approved." You know, I would like to negotiate a little bit with the seller. You can't do that in all circumstances but if you don't have a pre-approval in hand, I can tell you you have no negotiating power. You don't have any strength at all. You're like Popeye before he eats the spinach, right? - Yeah. - Yeah. So now the third thing that a pre-approval is gonna do, it's gonna help you streamline your home buying process because if you're pre-approved, you might get the deal done in 10 to 21 days with our lenders you certainly can rather than 30 to 45 or 60 days. It's a big deal. - You won't get accepted these days if you make that off? - Yeah, no, and I literally on one of my listings, I got an offer and it was a 45-day close. And I'm like 45 days. - That's an eternity. - Well, there's a lot of things that could happen in 40 to 45 days, right? - Yeah. So you wanna make sure that you streamline your home buying process and our RWA buyers, you just started thinking because you heard the show that I maybe I should get pre-approved for a loan. Well, you could call us today at 83332 radio. We could get you pre-approved today and you could be out shopping for homes later today or tomorrow. And it could happen that easy, right Frank? - Oh, it's a beautiful thing. - That's right. Now, the number four thing that a pre-approval is gonna help you do is identify potential issues. If you've got some potential issues, maybe with your credit or things like that, it's way better to know what that looks like right now rather than you find the perfect house, you go to an open house, you fall in love with the house and then you're calling us to get pre-approved. It's much better to get done in the beginning. So if there are some problems, we can diagnose those things and then help you fix them so that we can get you into the home buying process. Now, what is the fifth thing, Frank? - Yeah, that a pre-approval will do is help you avoid heartbreak and give you accurate expectations. - Yeah, setting realistic expectation is vital when entering the housing market. And a pre-approval provides you with a clear understanding of the loan amount that you can expect, the interest rates and the monthly payments associated with your mortgage. - And folks, just a sidebar here, this is really important because 80% of real estate is based on emotion. There's only about 20% that's based on facts and things like that. And I'm telling you, I've taken people out to where they want to go see $800,000 homes and when all gets down to it, they can only afford a home at 550 and there's nothing worse than getting your dreams dashed. That's why Rob and I talk about this pre-approval because it's so important not to set you up for failure. And when you arms with that knowledge, you can avoid getting too attached to the home that are beyond your financial means, preventing heartbreak and the wasted time and effort of pursuing unattainable properties. - Absolutely. Now, the sixth thing that a pre-approval is gonna do is give you confidence and peace of mind. - That's right, Rob, navigating the home buying process can be very stressful and emotionally draining. - Yeah, especially when you think of that 80% of the home buying process is emotional. However, obtaining a mortgage pre-approval can provide you with that much needed confidence and that peace of mind, which is great. - And Rob, by knowing you are financially capable of carrying a loan, you can approach the home search with a sense of assurance and focus on finding the right property for your needs. - Right now, the seventh and final thing that a pre-approval is gonna do, it's gonna help you seize opportunities in this competitive real estate market. - That's right, Rob, in a competitive housing market, which we're in right now, where properties can receive multiple offers within days of being listed. - Time is of the essence. - Yeah, and there are a lot of lenders that need 30 to 45 days or more to close a loan, but not the preferred mortgage lenders with the radio realtors and us here at EXP Realty. Our lenders, on average, close within 10 to 21 days. - Rob, can you repeat that? - Yeah, our lenders close within 10 to 21 days. And what that means, Frank, is that you could call us today. We could get you pre-approved or RWA certified with one of our lenders. You could be out shopping the next day and as little as like 10 to 14 to 17 to 21 days, you could actually be living in that house. And that's fast. - Yeah. - That is fast. - And when you have that mortgage pre-approval in your hand, it allows you to act swiftly when you find the perfect home. - Yep, Frank, and with a pre-approval letter in your hand, you can make an offer with confidence and you can demonstrate to the sellers that you are a very serious buyer, who, like we said, is RWA certified? You are ready, willing, and able to proceed. - And this can be a decisive factor in winning, a bidding war and securing the property that you want. Right, Rob? - That's right, Frank. So in this complex world, wrapping things up here of home buying, obtaining a mortgage, pre-approval serves as that cornerstone for your success. So by gaining a clear understanding of your financial standing, you can set realistic expectations for yourself and you can narrow down your search for homes that are gonna be within your budget, like you were saying earlier. - And Rob, pre-approval strengthens your negotiation power and streamlines the home buying process, allowing you to act fast when the perfect property comes right along. - Yeah, in addition to that, a pre-approval provides you with that peace of mind that we're talking about, knowing that you are on solid ground financially. So before you begin your home buying journey, take the time to get pre-approved, or better yet, RWA-certified for a mortgage with the radio realtors. - Yeah, call us right now at 833-32 radio. That's 833-32 radio. We will connect you with one of our preferred mortgage lenders and we can get you pre-approved today. Call us right now, 833-32 radio. That's 833-32 radio. - Or you can live chat with a member of our team 24/7 at RadioRilters.com. That's RadioRilters.com because Rob and Frank at the Radio Rilters and EXP Realty want to help you unlock the power of pre-approval and position yourself for a seamless and rewarding home ownership experience. - That's pretty intense, Rob. - Yeah. - You're right, there's no better team to help home buyers. So reach out to us, 833-32 radio. That's 833-32 radio. - Or you can live chat with us at RadioRilters.com. That's RadioRilters.com. - And we'll be right back after this. ♪ AC Heat and plumbing you just call this ♪ ♪ It's easy as calling, please, please, AC, please, AC ♪ ♪ Calling in heat, yeah ♪ - Robert Lewis here from the Radio Rilters and just recently my AC died. And this time there was no fixing it. The good news is I called my friends at Lees Air Plumbing and Heat and Lees won over all the options with our family and we chose a Bosch 18-seer system. In just one day, that system was installed and our house is now cool, comfortable and ready for summer. And I get it, nobody likes to replace their system, but sometimes you have to. Right now with Lees, you can qualify for up to $8,500 in rebates, but hurry because these rebates are in limited supply. So if you need a new HVAC system, repairs or just to tune up, go to Lees Air.com. That's Lees Air.com. ♪ AC Heat and plumbing you just call this ♪ ♪ It's easy as calling, please, please, AC ♪ ♪ Lees, AC plumbing and heat, yeah ♪ ♪ Lees, AC ♪ Appreciate it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. 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We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. We're going to talk to you about it. Welcome back to the show. If you want to make sure your home is safe from title theft, title fraud and home stealing, you don't want some scammer to steal your hard earned equity. You got to get it protected. The only place you can do that for sure that will stop scammers in their tracks is our friends at equityprotect.com. Go there today, equityprotect.com and get your free risk assessment. Better yet, you can always just go right on to their website and click to call and you can call and talk to somebody live and in person. They'll go over everything with you. There's discounts and everything available to our listeners. Tell them the radiorealtors sent you, equityprotect.com. That's equityprotect.com. I'm Robert Lewis, your real estate professor. I'm Frank Crandall. You're constantly adding on real estate. In the studio today, we have the co-founder and president of equityprotect, Jim Adams. Thanks for being here on the radiorealtors, Jim. Thanks for having me back. I appreciate it. Now, tell us a little bit about your background and what led you to start this amazing new company, equityprotect. Sure. I've been in the title and escrow world for about 25 years. Give or take started in the data world selling to title companies. I've always been in this industry for my whole career. In fact, I currently own a title company based in Nevada as well. A couple of years ago, we started seeing a rise in deed and property theft and a scam where people were stealing equity of homes or actually selling properties that didn't really own. They didn't really own. There were a couple of other companies out there offering services to monitor for that type of thing. My co-founder and I, we kind of sat down one day and looked at how could we actually create something that would truly protect and lock down a person's ownership. Both of us took the knowledge of the industry and other people that we knew in the industry and we were able to create a technology that would help us accomplish that goal. That's how we kind of founded equityprotect. It's an amazing story. I actually, just recently I read an article where it says the FBI said that real estate fraud is the fastest growing crime in America. That includes title theft or title fraud, equity theft, and even home stealing. Why do you think that these crimes are growing so quickly? It's easy to be honest with you. There's a few things. Whenever the market takes a decline, we find that there's more scams that start up because people are looking for a way to create a well-made money. As well as everybody in the industries, whether it's title or real estate or lenders, we're all hungry. We're all looking for that deal as well. We might not be as careful, as cautious as we are in the busier times. It's such an easy crime to commit. I think we're seeing there's a growth in that area. When you say easy, why is it easy? Let's say you own your home. I find out that you own it outright. I can easily create a deed that says Rob Lewis deeds his property to Jim Adams. I go to the county recorder and as long as everything in that document meets their requirements, they're required by law to record the document. Now I have a deed that says I own your property. I can either try to sell the property. I can go to a lender and say, "Hey, I own this property and I'd like to take out a HELOC or some sort of loan on it." You won't find out that that happened until you start getting foreclosure notice this place on your front door saying that you owe money and now there's going to be a lot of legal fees and fun times trying to get that fixed. Sure. It totally makes sense now. Who do you think are in your experience the most vulnerable targets for this kind of crime? You know, there's multiple. You can't really say that it's an age group. While we see seniors are probably going to be ones that are targeted more, you can't necessarily say it's an age group, but it's people that have no mortgage on their home for one because there's nothing encumbered on the home, so it's easy to transfer or those that have a really low loan to value, so maybe they owe a couple hundred thousand, but their home's worth a million, they're going to be a potential victim. Second homes, homes that you use as Airbnb's or some sort of rental vacant lot are what we're seeing a lot of. You had an example of one of those too, right? So, a guy called up a real estate agent and said, "I'm going to use your name. I'm Rob Lewis and I own this piece of property and I'd like to list it." And a real estate agent did their due diligence. They pulled up the property and said, "Look, Rob Lewis does own this property." Right. They listed the property, property went into escrow and property sold. The real Rob Lewis found out that his property sold when the closing documents got sent to him in the mail saying that he no longer owns this property. Right. So, he called the escrow company and said, "Hey, what do you mean you've sold my property?" And what happened was the guy fraudulently had a fraudulent ID and said, "I'm Rob Lewis and went into the notary with a fake ID and signed with a fake ID." And those notaries, they're not there to validate, "Is this a real ID? Is it?" They just look at it and say, "Hey, it's California, it's in the matter," or whatever the ID, whatever state it's issued from, it's an ID, it's Rob Lewis. He signed the documents, off he goes. So, as long as everything looks legitimate on the deed that they're recording, if everything looks good there, then they have to go ahead and record it. Agree. Well, in this case, the perpetrator of the crime pretended to be the true seller. Right. So, there wasn't anything that needed to be fraudulent on the deed other than the guy wasn't the real seller. Okay. The agent was dealing with an individual that was pretending to be Rob Lewis, and he truly wasn't. So, it was sort of like it starts with more like identity theft. Exactly. Then it goes into the title theft. Exactly. Okay. We see it often in the title company where we're getting openings of escros. And when we start to dig into it a little more, we find out that the seller of the property seems a little fishy, and then when we really get into it, we find out that the seller of the property is fraudulent, it's really not the owner of the property. And once that happens, there's a lot of red tape and probably legal fees and those types of things to get it reversed, right? If it actually goes to closing, yes. Yeah. Boy, that just seems like such a messy thing. I think that's why your product is so amazing for sure. Now, there are a ton of companies out there. I mean, you know, you go Google title lock or whatever, and they claim they lock down the title. But can you explain a little bit more about what the difference between you guys are equity protect and those other companies? Sure. Yeah. Yeah. So most of the companies that you see out there are monitoring companies. So they're going to notify you when something has changed or occurred. That could be a week. It could be 30 days. It really depends on how fast they get that publicly issued data. So what they're waiting for is for the county to make the data available to a data aggregator that then sells the data. When they sell the data and the company that's protecting your property finally gets it, it could be 30 days. It could be 60 days, you know, it could have some time have passed, right? So what they're doing is then notifying you, hey, Rob, we notice a change on your deed or we notice this happened on your property. You might want to look into it. There's no protection there. It's going to happen. So what we did was create a way that we'd lock it down. So someone could still go to the county recorder and record a deed, but there won't be any financial crime that takes place because as soon as they try to take out a loan or sell that property and we go through title insurance, the title company is going to do a search. They're going to see, hey, wait, I've got this equity protect block on there. I need to clear this. They'll contact us, we contact the rightful owner and say, are you really trying to sell your property or are you really trying to take out a loan? No, I'm not. And we notify title at that point that this is fraud. Yeah. So basically instead of just monitoring and then telling the client that this has already happened and then they have to do something about it at that point, you guys prevent it from ever happening at all. And that's the, I mean, that's really the biggest difference right there is that they're really just a monitoring service. You guys are, you lock it down 100%. So we're very much like credit lock, but for your home title. Right. So when you apply for a loan with credit, they usually contact you, experience or whoever you have your credit lock with and say, hey, are you really trying to apply for this loan? Yes, I am or no, I'm not. It works the same for us with the title of your home. Yeah. No, it's a very amazing. So can you stick around for one more segment? Sure. That is awesome. Jim Adams, he's a co-founder and president of equity protect. And one of the cool things that they do is you can get a free risk assessment on your property or properties by just going to their website. It's equityprotect.com. That's equityprotect.com. You can also, if maybe you're not computer savvy and you want to call them, you can actually pick up the phone and talk to somebody at equity protect. Their number is 888-213-2959. That's 888-213-2959. And don't go anywhere. We will be back right after this on the Radio Realtors. You know, there are some people that believe that all mortgage lenders are the same. But do you believe that diamonds and cubic zirconia are the same? Well, at first glance, they look very similar. But to the trained eye, they are totally different because one's a fake. What's even worse is when you're in the middle of buying a home and you discover that your mortgage lender is a cubic zirconia. This discovery could make you lose your dream home and your hard-earned money. And if you want the real thing and not a fake when it comes to buying your next home, you need the diamond of lenders, Jeff Compton, with Guild Mortgage. Jeff and his team, they're devoted to helping you get the right loan with the best interest rates and the lowest fees. And Jeff can close fast in many cases in as little as 10 to 21 days. For a quick response, you can call or text Jeff at 916-765-2900, that's 916-765-2900, or apply online at jeffcompton.com, that's jeffcompton.com, and I'm a less ID number 298-997, Equal Housing Lender. Appreciate them here, host of the Office of Tatum Show. Have you heard that teamwork makes the dream work? Well, I've been part of some really special teams. I play football, I worked in law enforcement, and even my team here on the radio. And if you're wanting to buy a home anywhere in Northern California, call the dream team Rob Lewis and Frank Crandall, the Radio Realtors with EXP Realty. Check this out. Royce and Angela were first-time home buyers wanting to buy a home in Lincoln. Rob and Frank met with them, discussed their wants and needs for home. Gotham pre-approved with one of their preferred mortgage lenders, and had them out looking for homes the very same day. Rob and Frank found them the perfect home and negotiated a great price. And in just 21 days, Royce and Angela had the keys to their dream home. As a home buyer, they can help you win too. Even in this shifty market, call the dream team Rob and Frank, the Radio Realtors with EXP Realty at 833-32-Radio, that's 833-32-Radio, online at radiorealtors.com, that's radiorealtors.com, DRE number 0140-6275. Summertime is almost here, the season for being outdoors, enjoying barbecues, and slapping pesky mosquitoes off your arms and legs. Do you know what else this season is for? Cleaning your carpets. Robert Lewis here from the Radio Realtors, and if you're like me, you enjoyed the spring weather and left the windows of your house open, letting those breezes blow some fresh air throughout the house, and unfortunately, it also blows a lot of pollen throughout the house. And what this means is that your lovely carpets and area rugs that you'll walk on every day are essentially really big pollen catchers that are releasing the pollen back into your indoor air with every step. Yuck. Just do about it. Just call my friends at ZeroRes and ask for the KTKZ Special. Three rooms clean, starting at just $149, plus you get two rooms of free protected. Call ZeroRes right now at 916-245-2992, that's 916-245-2992, or book online at ZeroRes sacramento.com. Tell them you want the KTKZ Special. Spell it forward or backward, it spells the same ZeroRes. This, this, is a Radio Realtors I sold a house. This is a home. This is a place to live. This is a place to live. Northern California's longest running show on Real Estate. Real Estate is not just buying and selling houses. Who are you? Some kind of real estate agent. Real estate agent. I love Real Estate. I love Real Estate. I was going to tell you, eyes out of that house. I wanted it. The Radio Realtors. I love every second. Now, here's your host, Robert Louis, and Frank Franell. Let's go to the sell some hugs. All right. Welcome back to the Radio Realtors. We are Northern California's number one real estate radio show proudly coming to you live from the Equity Protect Studios. And folks, home stealing, title theft, and fraud is on the rise all across the United States. And you're especially at risk if you own your home free and clear, or maybe you have just a ton of equity, or maybe you own more than one home, or maybe you have properties that don't have any home on it, but they're free and clear as well. There's lots of risk that you are taking if you are leaving your properties open to scammers. And the only company that we know of that can stop it from happening is Equity Protect. EquityProtect.com. That's EquityProtect.com. Tell them that the Radio Realtors sent you. My name is Robert Louis, your Real Estate Professor. And I'm Frank Crandell, your Kelsey Yeti of Real Estate. And it just so happens that we have one of the founders of Equity Protect. And he's also the president here in the studio with us to continue in this last segment. Thanks for being on the Radio Realtors, Jim. Yeah, I didn't know I bought a studio. This has been the Equity Protect Studios for several months, so absolutely, you know? And one of the things we wanted to talk about is that you can get that free risk assessment on your property or properties. All you got to do is go to their website. It's EquityProtect.com. That's EquityProtect.com. Or you can call them if you want to do it the old-fashioned way, 888-213-2959. That's 888-213-2959. And Jim, can you tell us a little bit about how that risk assessment works? Yeah. So part of the founding of the company was really looking at how do we protect homeowners. And so in building the risk assessment, we took a bunch of different data points and we would put together a kind of an algorithm that says whether your home's at a low risk, a medium risk, or a high risk. Because if you're at low risk, there's really no need for our service. We don't need to lock you down to protect you. In fact, we've turned away several people that have come to us trying to sign up for the technology, and it just didn't make sense for them. So we weren't really focusing on that. Now we have added to our system free monitoring. So we'll monitor your property, just like our competitors will, but we'll do it for free. So when you go there and you take the risk assessment, if you come out low and you don't need the protection, then if you'd like to get the monitoring, sign up for it. We'll do it for free for you. And we have people that are in that medium range right now that, hey, sign up for the monitoring. We'll monitor. You could get protection. But since you're at a medium risk, we'll just watch it for you. And then as you start to sway more into that higher risk category, then you can lock down. But in the interim, we're at least monitoring your property and you're not having to pay for it. And so isn't there like 1100 data points that you guys look at with that risk assessment? Not quite that many, but we do look at a bunch of different items to say, hey, is this property at risk? You know, simplify it a little bit. Is it a, you know, no mortgage owner, non owner occupied second property? Yeah, you're probably going to be at high risk. Oh, it's a vacant lot with no mortgage and not, you know, obviously not owner occupied. Yeah, that's a high risk. So but there's other things that we're going to look at in that they get you into a risk category or a non risk category. And you guys will even if they get that and it's let's say it is a medium risk or maybe it's even a low risk, but they have questions, they can always call the 888-213-2959 and get ahold of somebody and kind of go take a deeper dive on it. Correct. We'll look at it and see, you know, what it is, but we're not just out there trying to sign up everybody under the sun and, you know, get a subscription out of them. We really want to create the protection. So if your property doesn't need the protection, we're just not going to do it. Yeah, that shows that you guys have integrity because you're not just trying to slam somebody into something that they don't need. So that's, I think that that shows a lot about your integrity of the company. So I know you have some real world scenarios. Can you kind of explain a couple of these? Because I think these stories that are true stories are really, really good for our listeners to hear. It's funny. You can do just a flat Google search and find a bunch of them now. Sure. It's sad to see. There's a ton of them. One that we had recently that actually came from your show was an agent referred us to a gentleman. He was in Vegas with his wife and lost his wallet. And so at that point, I guess somehow in his wallet, maybe he was Social Security card, but they were able to get his Social Security number as well. So they committed a lot of financial crime against the gentleman, but as well as he had some properties up around Lake Tahoe that constantly were then getting listed for sale. Oh my. And so he was really concerned about that. The agent happened to hear us on your show and told him to call us. He called us and we were able to lock his properties down. And he was extremely appreciative because he felt like that was going to be the next thing that happened to him was he had Bitcoin stolen from him. Oh my goodness. He counts him. He didn't, you know, he was like, I just have no way to stop. They have my ID so they could say they're me and sell my property without me knowing. So that's crazy. So that was one where he reached out to us. We were able to lock his properties down and we've been able to actually notify a couple of the real estate agents when they're listing the property for sale that hey, you're dealing with the wrong individual. Yeah. I mean, it's just shocking that it could happen so quickly because it doesn't take very long for somebody to put together a falsified deed, get it recorded. I mean, it just, it could take just minutes. You don't need a falsified deed. So if I'm pretending to be the property owner and I have a fake ID or I have the actual ID of the gentleman in this case, but even if I had a fake ID of Rob Lewis, I don't need to falsify a deed. I'm just saying I'm Rob Lewis. It's a vacant piece of land. No one knows me, no one knows what Rob Lewis looks like. So it's an easy crime to have happen. And they could even let's say they were selling a piece of property fraudulently and they didn't have the equity protection on there. They could sign somewhere remotely. People are out of the country all the time selling properties these days. Yeah, that happens in the title world. That happens every day. It seems like when people list their property for sale, they plan a trip overseas somewhere. So we're used to sending documents to American consulates. But again, if you walk in with a fake ID, a notary is not there to vilify the ID. They see it. They look at it. They've lived. Yep. That's Rob Lewis. Yep. Signature. Good to go. You know, they don't know. It looks like they're really good nowadays. Sure. There's fake passports. There's all sorts of fake documents that can be used out of notary that it's not their job to vilify that ID. Sure. And even if you have your property in a trust, you could still be vulnerable to this type of crime, right? Yeah, we talked about it in your first segment, I think, where we actually had the property was in a trust and they gave us the trust certification. And it actually was a property that was in escrow with us. Fortunately, there were a couple of other items that came up that kind of gave us a red flag. And then when I really looked closely at the trust cert, I found some errors in the trust cert. But had those other red flags not come up, we may not have caught that one. So even though it was in a trust, the criminal created a fake trust certification for that trust, and we would have thought we were dealing with the correct, you know, executor of that trust. Now, that was through your title company, you were dealing with. But if they would have had equity protect, it would have never even gotten to that point. Wouldn't have gotten to that point. Yeah. And seeing that's the difference, folks. I mean, you could have someone monitoring your title and your property, but they just tell you after something has already occurred, it is so much better to prevent that from happening from the start. And that's why if you're vulnerable, you need the equity protect product. And once again, you can get that free risk assessment by going to their website. It's equityprotect.com. That's equityprotect.com. And you can also call them at 888-213-2959. And for a limited time, you guys are giving our listeners an opportunity to get your service for 50% off right now. Correct. Yeah. Our initial first year, which is typically 279 plus recording fees. But we'll cut 50% off the 279. And then each year after that, it's only $99. Yeah. I mean, it's a great thing. So if you're interested in that offer, all you have to do is go to their website, equityprotect.com. Or you can call them at 888-213-2959. And the discount code is protect50. That's protect50. And that's an incredible savings because even for your services, at the regular prices, it's less expensive than just what most of these other companies charge us for monitoring. Right. That doesn't really do that much good, right? Yeah. Not when you can get free monitoring. Yeah. And then you can get free monitoring if you're low to medium risk, you know, property. We'll do the free monitoring for any property. And or you can do it through your county recorders. Most county recorders across the nation offer free monitoring now. You go and register with them. So the fact that there's companies out there charging for what most home property owners can get for free from their county recorders is disappointing. Definitely is. Well, and that's why, I mean, you guys have literally just, you built a better mouse trap. I mean, your mouse trap actually completely works. And it prevents the mouse from even sniffing the cheese, right? So yeah. So they're just an incredible company. And I've known Jim for a long time, but he's always been extremely smart. And he knows his business. Well, they came up with this idea and it's truly one of the best companies that I've seen. Yeah. So any final things you'd like to share with our listeners? No, I just appreciate allowing us to be here again and share some stories with you. We're always fun to come back and tell you the things that we see and we appreciate the time. Yeah, absolutely. Well, if you want to get ahold of equity protect or you want to take advantage of that 50% off deal, go to their website. It's equityprotect.com. The discount code is protect50. That's protect50. Or you can give them a call and they're great to talk to you. You can always get ahold of somebody there, but it's 888-213-2959. That's 888-213-2959 and that discount code is protect50. And unfortunately, folks, that's all the time we have for the show. Make it a great week, everybody. [MUSIC PLAYING] Robert Lewis here from the Radio Realtors in the Dog Days of Summer are just around the corner. As luck would have it, my AC system just stopped working. So I called my friends at Lee's Air, plumbing and heat, and they set out one of their top technicians and after a thorough inspection, my worst fears were confirmed we needed a new system. Truth be told, our system had been limping along for quite some time. But here's the good news. When you install a new HVAC system with Lee's, you can qualify for up to $8,500 in rebates. But hurry because these rebates are in limited supply. So if you need a new system or repairs or even just maintenance, there's only one place I trust, Lee's Air.com. That's Lee's Air.com. [MUSIC PLAYING] OK, honey, I'm done with your summertime cleaning list. Watch the windows. Check. Power wash the patio. Check. Cleaned the outdoor furniture. Check. Now for some me time. What about cleaning the trash bin? No, I didn't do that one. Well, it's got to be done. But they look and they smell really bad. Yeah, I agree. You know, I heard on the radio about a local family-owned company called Bin Levin Clean Bins. Wow, here they are. Bin Levin Clean Bins. It says they use a combination of hot water and high pressure to clean the bins. And they sanitize, deodorize, and disinfect them. That sounds amazing. And check this out. Bin Levin Clean Bins also has great reviews. And their service is really affordable. So babe, can I hire them so I can finish off your summertime cleaning list? Of course, honey. Awesome. Summer sale alert. Enjoy 50% off your first cleaning with promo codes summer 2024. Hurry, limited time only. Discount available on all recurring plans. Book your cleaning now at binlovencleanbins.com. You know, there are some people that believe that all mortgage lenders are the same. But do you believe that diamonds and cubic zirconia are the same? Well, at first glance, they look very similar. But to the trained eye, they are totally different because one's a fake. What's even worse is when you're in the middle of buying a home and you discover that your mortgage lender is a cubic zirconia. This discovery could make you lose your dream home and your hard-earned money. And if you want the real thing and not a fake when it comes to buying your next home, you need the diamond of lenders, Jeff Compton, with Guild Mortgage. Jeff and his team, they're devoted to helping you get the right loan with the best interest rates and the lowest fees. And Jeff can close fast in many cases in as little as 10 to 21 days. For a quick response, you can call or text Jeff at 916-765-2900. That's 916-765-2900 or apply online at jeffcompton.com. That's jeffcompton.com. And I'm a less ID number, 298-997, Equal Housing Lender.
