Smile High Morning Show
Thu. Sept. 5: NFL Season Kicks Off Tonight, Colorado-Nebraska Discussion, Realtor Jamie Bernal, Broncos Predictions
(upbeat music) (upbeat music) (upbeat music) (upbeat music) (upbeat music) (upbeat music) (upbeat music) (upbeat music) (upbeat music) (upbeat music) (upbeat music) ♪ Even though you know I died for you, you're lying to me ♪ ♪ Yes I cry, yes I cry, ha ha ha ♪ ♪ You return to come and get it ♪ ♪ Return to come and get it ♪ ♪ I'm my return to come and get it ♪ ♪ Oh my god, you're lying to me ♪ ♪ Return to come and get it ♪ ♪ Once I can return to come and get it ♪ ♪ I'm my return to come and get it ♪ ♪ I'm my return to come and get it ♪ ♪ I'm my return to come and get it ♪ ♪ I'm my return to come and get it ♪ ♪ Once I can return to come and get it ♪ ♪ I'm my return to come and get it ♪ ♪ When Caitlin triple dipping again ♪ ♪ Alex Morgan hangs up the cleats ♪ ♪ And we got the Ravens and the Chiefs ♪ ♪ Coming up tonight ♪ ♪ Whoa ♪ ♪ I'm on a Luda first pitch throwing ♪ ♪ The best sports talk radio show going ♪ ♪ Throwback Thursday on ♪ ♪ Edition of the program ♪ ♪ Let's get Alex to do it ♪ ♪ Oh my goodness gracious ♪ ♪ What do you think you are ♪ ♪ What do you do baby ♪ ♪ Yeah ♪ ♪ Do it ♪ ♪ Do it ♪ ♪ Do it ♪ ♪ Right ♪ ♪ So I see a delivery ♪ ♪ I'm on a showtime ♪ ♪ Showtime ♪ ♪ Yeah I'm on a showtime ♪ ♪ Yeah I'm on a showtime ♪ ♪ It's here ♪ ♪ It's 10.03 a.m. in the Mile High City we're live ♪ ♪ We're from the revolving towers ♪ ♪ High above South Syracuse way ♪ ♪ In studio as usual ♪ ♪ We got it ♪ ♪ Now these guys are doing it from their ♪ ♪ Yeah ♪ ♪ Like there ♪ ♪ It's not even an office ♪ ♪ It's like a ♪ ♪ Diggity digity digity digity ♪ ♪ Office space in their dining room ♪ ♪ Smoothie day ♪ ♪ Ah ♪ ♪ Not us ♪ ♪ We're pros bro ♪ ♪ So we got a big show ♪ ♪ It's the official start of ♪ ♪ The National ♪ ♪ But only season ♪ ♪ Javi ♪ ♪ We got the Ravens ♪ ♪ At the Chiefs ♪ ♪ Should be a good one ♪ ♪ Ravens at the Chiefs ♪ ♪ A lot of guys don't do this ♪ ♪ They gotta wait till the end of the show ♪ ♪ I'm gonna tell you right now ♪ ♪ I like the Ravens tonight ♪ ♪ There ♪ ♪ I said it ♪ ♪ Is it 'cause Derek Henry's gonna be donning the purple ♪ ♪ There's a little bit of that factor ♪ ♪ I just think the Chiefs are, you know, still feeling themselves ♪ ♪ They're the world champions ♪ ♪ And the Ravens are hungry for it ♪ ♪ They're desperate for it ♪ ♪ And the Chiefs are just living large ♪ ♪ And in charge ♪ ♪ And it's gonna take the Chiefs a little while to get back ♪ ♪ Into the groove of things ♪ ♪ The Ravens are hungry ♪ (grunting) Taylor Swift gonna be there tonight? Absolutely, she's drawing up plays now. Really? Yeah, she's really into until you saw the script for the relationship leaked. Right, September 28th, they're supposed to be breaking up and wishing each other the best in their future endeavors and stuff. And stuff. Yeah, so-- I love how you got the script. Well, ain't nothing wrong with getting the script. I was just being rebellion. That's probably why it's cool that you go to the script club. Yeah, so that's happening. What do you guys think about tonight's game? Write it and do it. Write it away. Tell me right now. Eric Henry thing has got my interest. I don't think he's ever been on a team this good since he was back at Alabama. Mm-hmm. He's gonna be feeling like young again. You might think he's old. I do think he's old. Right, and I think that's an old man's take. Mm-hmm. Yeah, 'cause you're like 50 now, right? You're getting older too. Yeah, I'm back in my day. Mm-hmm. I think they're-- There she was a nickel. Even though his tires have lost some tread. I think a guy like that on a team like that with a coach like Harbaugh. And you know they're gonna have a good defense. Mm-hmm. He's not gonna be asked to do as much as he's had to do in previous stops. And I think that's gonna free him up to do more. Mm-hmm. Oh! Interesting. Alex, what do you think? Lindall's not giving you that. I like the Chiefs by a field goal tonight. Oh. Are you high on drugs? Why is that? No. They lost this game last year, and I don't think they'll do it again this year. And they're completely healthy. I think they won by a field goal. Maybe 27-24. Who's the better quarterback in this game once ten o'clock rolls around tonight? Patrick Mahomes. Pat Mahomes. Well, I don't know. Why was the MVP the whole league? That's starting to make your season best. It is the regular season. You know how the Chiefs are the current world in champions, right? Well, Lamar is the current MVP of the entire league. He's wearing that right now. So... If this were an AFC championship, you'd be picking the Chiefs, right? No doubt about it. Right. But this is week one, and you're picking the Ravens, right? Correct. And there's nothing wrong with that because the circumstances are pretty obvious. Yes. One of them is regular season, and one of them is sort of the Super Bowl hangover-y stuff. My thought process here in this first game. They got some new faces in Kansas City. In the passing game. They got that speed cat. Xavier. Worthy. Come text us. Go ahead. Yeah. And they got it going. Passanova. But you picked against them. I'm picking against them. In the end of the day here, I will believe the Chiefs right now are in the AFC championship game against, I don't know who. My crystal ball is foggy. I can't see everything, but I see the Chiefs in the AFC championship game. Again, you've got crystal balls. Yes. I want to be your crystal baller. I want to show you everything. Yeah. You know that we got the best crystal ball on the way out of that one. I don't know that one. Shoot. I got to grow up. Trying to put your big boy pants on. All right. No. Yeah. So I, that's it. That's my thoughts. We'll talk about it more. Why do you like the Ravens? My thought is the Chiefs got a little cerebral hangover stuff. Ravens, they know this is kind of like. So you dislike the Chiefs more than you. More than you like the Ravens. From last year. I just think that the Ravens know it's just like it'll never be better than this right now for the Ravens. This is their year. It's got to be. This is their time. I'm sick and tired of hearing about how great the Chiefs are. It's our time. Take it. Tonight is our night. Go out there and take it. So that's my thought process. I don't think there's any doubt about how good the Ravens are in the regular season. It's about how Lamar Jackson does in the playoffs. And that's been his M.O. so far. Two MVPs but flamed out in the playoffs every time. Okay. Real quick. So I'm in one fantasy league this year. A one and only. It's engraving associates like I've been in this league since the 90s. The 80s. The 90s. All of your hits from 2K and today. So J.J. goes since he was little with me to Meridian to do this draft. J.J. is in with me last year. We draw cards. They're literally playing cards with diamond spades clubs for order of draft and division. What division you're in? Are you with me? I'm in guys with me. Last year J.J. and I had the number one overall pick. We took Justin Jefferson. Warren Warren. Mmm. Garbage girl. Mmm hmm. And J.J. goes on the way. You guys don't like McCaffrey. He goes. Dad. What if we get the number one pick overall again? I go J.J. enough. With this nonsense. The fantasy God smiled upon us last year when we blew it. It's not going to happen again. Forget about it. So we get there, right? We're low early. We're getting set up. Pick an envelope, right? Pick an envelope. Pick an envelope. This is gangster. We open the envelope. Shh. Terret. And do the Johnny Carson thing? Oh, that's it. I did not know that. Oh, I'm going to. I'm going to. You are correct, sir. And you got the first pick again. Hey! Yeah. Alex. He was just getting into that. Yeah. I can't believe it. So with the first pick. Of the 2024 engraven associates. Fantasy football draft. Team dead air. Salats. Can I guess? Take us home. Calvin. Kamara. Running back. From Tennessee. We went with Christian McCaffrey. He's got a grande cup of Starbucks up his ass. Daley. It's like a supercharger. Christian McCaffrey drinks up a grande cup of **** daily. It's like a supercharger for his ass. And he can run his pants with the flash. So yeah, we did it. We really did it, guys. It's like a supercharger. So I feel like we get 20 picks later. You have to try to know it felt like forever. I was like, "Alright, guys. Let's wake me up." Oh, the snake. Going back to back to back picks and the whole draft. This league? It's a snake. You're a snake? Yeah. This league's a snake, too. I'm a snake. I was on a snake league last night, too. So that's it. I'm going to tell you a little bit about my team. And then we're going to move forward here. Team dead air plays getter done. Oscar Ridgeway, man. We've been rivals for years. We got Justin Herbert as our starting quarterback. You did? Yeah. We got Christian McCaffrey and Kenneth Walker. The third. The third. As our running backs. We got... Yeah. Who's my real number one receiver? We got T Higgins. We got Jalen Waddell and Kelsey as our top three pass catchers. Okay. Is it a 10 man or 12 man or how many guys? It's a 12 man league. We're going to go to 49ers defense. Really nice. Thank you. Nick Chubb is on our bench. She suspended the first four out or something that's going on with him. You're on Nick Chubb. Thank you. I got Taitaji Spears. Nobody cares. I think he's going to be a good one. And the rest will be the future. Yeah. That's right. I just let you go a little bit about that one. George and his buddies. A 10, 10 year old's got together last night. How did it go? It's fun. He was in the sixth spot somewhere. So he got to pick every 10 or 15. But it was fun as a dad. There was some dads there kind of getting in there making the picks for their sons. And their sons are running around, you know, dry hump in the furniture or something. Not Georgie boy. He had his own iPad. I never really made any picks for him. Just gave him a couple thoughts about maybe you want to pick up a wide receiver here. Maybe you want to look to grab a running back. But it's fun. It's like the second year doing it. So they're 10 years old. Like by the time they're 21, they'll they'll be in their 12th fantasy football league. That's funny. I get to end up. That's awesome. Yeah. Thanks. I took off midway through. I had a softball game. Go dukes. We're back in the D league. Played the champs and a nice little showing out there. Got killed. Oh, he got beat by seven. 22 to 15 or something like that. Thought it was 24, but who's counting? There's no girls on these teams, right? No, all men. Yeah. So it's going to be hard. Is there ever a girl? And the E league, there was a girl one game way back in the spring. It was snowing. I was like, I don't remember this. I tried to. Well, funny how our memory slips when we're losing 24 to 7. What was it? 24 to what? 15. Yeah. How do Wayne do? Wayne was a no show. No show. He's probably got a concert. Sounds about right. Imagine he's at a concert. He's a guy talking crap to everybody about commitment, right? And he didn't show up. Yeah. Interesting. It's fair. Super interesting. That guy. Anyways, 303, 831, 1340, the hotline as well as the text line. Thanks for being with us like a third layer. Yeah. Thirdly guy. We got a lot to talk about. If you're waiting on hold, just keep waiting. We're going to go to break, come back and get you right off the top. Boom. Be ready to go. Don't do that. Don't do that. Don't push these. Have a take. Don't be like G. No. Those are simple rules. Those are them's the rules. We made those up ourselves too. We came up with those. Buy ourselves. Have a take. Oh. Those are clones. Now we got a good one. We want to know what you guys think is going to happen tonight. Let's put the old one. Same game parlay together. Alos hit me up. He's saying crush the over. But my guy from New Saigon is telling me hit that under. I don't know what to do. I don't know. Who do you trust there? It's hard to trust Alo with any really thing in life, but. Turn that up a little bit. I'm going to take it from here. I'm going to take it from here. Yeah. Straight up. What did you want to learn about me? If I was someone else, then this all follow the part. Wow. Strange. Where are you shagging? You need, you love this Rob Thomas. Oh man. Well, I wish you'd stop passing with me about it. And you. And me. Oh, sorry. That's my life's course. That's my life's course. [Music] Yeah, you can't compare Dylan with yourself since. Don't do that. Dylan is a good man. What he played. What he brought down inside. Are they different? He's Dylan is a Dodge. No doubt. You see on Saturday. Who's that? Oh, they're a linebacker. Makai Gebayor. Is his name? I'm talking some smack. You're calling any games tonight? Uh, not tonight. I got two tomorrow. Sweet. But, uh, I'll be back at Vandy tonight. Really? With Mooney? Yeah. Those guys. 630? 630. On field two. Uh, anyway. The linebacker said you cannot compare Dylan, Ryola, and Shudor Sanders. And he was like, Dylan is different, man. He's a dog and you'll see that on Saturday. I haven't heard a whole lot of smack talk, but going back and forth. But that's kind of a shot right there. Shudor. That's a shot at Shudor or is that just pumping his guy up? Yeah. A little bit of both. For sure. There's a shot though. It seems like he's. Why would you take a shot at Shudor? There's enough rivalry between these two teams that we don't need. Two teams that we don't need to go with personal shots and stuff like that. I like how Prime said that Matt Rule and Hammer and like that same coaching class of 2023, essentially a little bit, you know, so again, they don't let's not blow this out of proportion. It's a big game. It's a huge game, but these teams aren't going to play each other. Maybe in both of these two coaches, tenures at these two teams again, right? They're not scheduled. I don't think any is it. Are there any further games scheduled between Nebraska and Colorado at this point? I think it ends this. The series ends this. I mean, they would have to. Yeah, put on another home and home or another four year series or something, which they should. Man, I'm just looking up some player stats from last year's game. Shudor went 31 for 42 for 393 yards against Nebraska. What's this guy talking about? Why is he dogging? Dylan Edwards had 55 yards, Hankerson had 26 yards. Those guys aren't even here. My point is the cat got almost 400 yards on you and you're acting like Dylan Crayola. Is this badass color? Yeah, the newest color of red, Dylan Crayola, it's like a purple red purple red purple red. Let's go out to the hotline. Get our guy. He's an absolute mayhem icon. It's the one. It's the only actually we got too much stuff. No, let's make the way to the right keep waiting. Wait for Juan more segment. Okay, let's keep moving forward here. They make what? Why are they dogging on? Shudor 400 yards. He had 400 yards against the 36 to 14 was the score. And I think the 14, you were there, Williams, the 14 that Nebraska put up. That was when he was doing the his dad's dance in the end zone. Yeah. Yeah. I think they were up like 20 to nothing at a certain point. They were for sure up 13, nothing and a half. It was just as big of a game last year as it was this year. And they're kind of dogging the quarterback that hung 390 on them. Let's move forward on it. I don't know. It's it's nervous. No, I'm I just wanted to kind of get how bad do you want to pound those guys? Oh, I want to beat them. But like I don't need a beat. I could beat them by one. It could be 31, 30 and it's move forward for CU. It's not like the whole season. It's not put the whole weight of the season on these guys. Let's look at them as just another bow because there's big games all, you know, there's bigger games than this. This is a big game, but there's bigger games than this. If they're trying to have aspirations to do something special, Nebraska looked great last week. They lit it up. They got a true freshman quarterback who's playing in a second game ever is wearing head bands and got to have his wrist bands on. It's got to have his extra cleats. We don't need no kitty cats. We need leaders. We need leaders and we need dogs. We need more dogs. Nails and these hats. So this game for Nebraska, if you think about it, is actually their biggest game of the year, other than two out of the last three games, guys. Stick with me here. Right? Because by the time they get to Ohio State, there's plenty of Nebraska guys I met that said they could be seven and no by then. They have Northern Iowa, Illinois per do. All right. That's garbage. Then they follow that up with Rutgers and Indiana. So in theory, if they can beat Colorado 31 30, just like we're trying to beat them 31 30. They are kind of on their way to two and oh, and quite possibly six of their luck. Nebraska can see you or a lot of kind of in the same boat. And then they finished with Ohio State, USC, Wisconsin and Iowa as five of their last year, but they can rich in tradition, trying to use the other catapults themselves to a big season and relevance and all that kind of stuff. Nebraska might need it more than see you, but actually I don't actually take that back. I regret saying that. Nebraska. See, you need to as part of this journey here as part of the plan, I guess Matt rules a big name coach. He's a great collegiate coach. He's a big name. Listen, he might be a top 10 or top 15 collegiate coach straight up. He's an aim wise. I mean, like anything he's touched over his journeys, his tenure has been a big hit. His Baylor resume alone, you know, puts him up in the top 25. Yeah. But where was he at before that that he turned and had a bunch of success to Matt rules done this. It's like his third timing. Well, Baylor, he there in a world of hurt when Art Brielle's left and all the controversy going on before before Baylor. He was at temple for three or four years. Yeah, which like that temple, we don't want to talk about them because they're basketball coach. Looked like the mascot, right? Yeah. He had a temple as a winner there. That's kind of hard. Think about that. That's rare. And what he did literally what he did at Baylor. And it was only what three years, but what he was able to do at Baylor. And then he got an NFL gig, like name name 10 more qualified coaches than Matt rule. There's not his coach prime. More qualified than no, no, of course not. The answer is no, that might be where the gap is filled from the will see you killed them last year. Well, what's different? Well, a whole another year, a new quarterback, believe Nebraska, Nebraska was pretty good down the stretch. I mean, dad was a bigger name than rule. What about the boy? Not a bigger name. Yes. He is the boy. He's one of the biggest names. Caitlin de Boyer. The guy just he's a big. He's big. He's it. I think I think if you plan the national championship and then get the Bama job probably, but I see what you're saying there. But like his hit his track record, I guess the natty though, we got the power ranking. It's not track record. It's not track record. Well, track record falls into your power ranking power rankings get you the next thing. It's about hotness, hot stock, hot like what is carrying you the momentum the give me some more words here. The, I'm just thinking the ascension the name name more coaches that are higher qualified than, than Matt rule in college football right now. There's not. Yeah. I mean, they got to love him after Scott Frost was a disaster. Yeah. So they haven't won more than five games since 2016. That's incredible. They went nine and four in 2016. They haven't won more than five since then. Brian Kelly. I'll give you here. Yeah. Finally for Nebraska. Yeah. Well, that did you hear that schedule we read off to? I mean, if they don't get more than six wins, then Nebraska is better than everything I just said about Matt. And the big 10 is a damn fool. Nebraska can't be in the big 10. They, well, they're like, yeah, they can if they know because they're like, not as good as Wisconsin Rutgers, Purdue, Illinois, you know, yeah, they, they'll crush it in the big 10. But if they get like a real schedule, plus they got Northern Iowa in there, I mean, let's go to break. I don't know about this. The brass on time. As usual, 303 A through one 13 40, the hotline as well as the text line. Thanks for being with us. We appreciate the interaction, the participation, got a guest going to join us here for a couple segments. Do this thing. Mm. I've ever heard C low in a while happen to him allegations inappropriate. Damn. Why don't you do it? See one of those Diddy parties? I told you shouldn't have done done that. Did he? Don't do did he? No, did he? No, did he? No, did he hear Danny Williams. Jeff Gersch. Alex Becker 98.1 FM 107.5 HD three streamers for watch a smile high sports.com lots of ways to get us to do it. Yeah. Yeah. Yeah. This is the Smile High Morning Show with Danny Williams and Jeff Gersch. And Jamie Bernal, let us not forget the official realtor of the Smile High Morning Show. Did you like that little lady's voice we had there? Yeah. That's Delilah. Say hi to Delilah. I we think I wanted her name to be A.I. Lanis more set because I think she's not a human. I think like that was made by chat GPT like Danny Bailey was like, Hey, chat GPT. Can you fire me out a quick liner for the morning show? Jamie Bernal joining us. Williams is on a business call taking care of business. But speaking of business, it's a real estate season still or what's going on. It's hot, right? Yeah. Busy rates are down. Fires are coming out. And I think rates are going to get lower here in another week or so. I think so. I'm pretty excited. Yeah. I think the Fed meets maybe middle of September this month. They got to lower it that unemployment numbers were off just by like 800,000 or whatever. If you go back over the last six months, no big deal there. Yep. But that is an indication usually that the higher rates have worked. Unemployment's a little too high and then they got to lower the rates to get. Yeah. And that's good for buyers. That's great for buyers. But typically how long would you say it takes a buyer in this metro area or even up north where I know you like to specialize, but you cover all the areas from start to finish, getting a realtor and getting the keys to the home. I mean, it's a couple of months deal. A couple of months deal. Yeah. Even if you bought a house or if you were selling a house and on the market for 10 days. I mean, there's still that front end of getting ready middle couple weeks of being on the market or being in the market. All that paperwork. And then another three weeks of closing stuff down before paper day. Yeah. And you've got most most people that are buying are in leases, so they need to give that 30 to 60 days notice as well. So it's always good to just pre plan, get with somebody, have that conversation of just where you at. What is your plan? What is your time frame? And that'll guide you as to like, you know, you can be in a house as quick as 30 days or six months just depends on what you're looking for. And you work with the veterans? Absolutely. The VA. The vets. Absolutely. Absolutely. Yeah, 100% with one last night, right? I do appraisals for the VA. I think the vets are some of the best, you know, that we've got in and and I sometimes they maybe don't realize the benefit they get from serving this great country through the VA in terms of, I don't know how the healthcare works. I don't know how this and that works. I don't know how any of it works, college and and the GI bills and all that. But I do know that the veterans when it comes to buying their home, what are they getting 0% down. It's 0% down. No mortgage insurance. That is huge right there. Right there alone. Yep. Zero. So what's 0% on a $500,000 house? That would be zero. What's 0% on a $700,000 house that would be zero and what would be a $0 mortgage interest payment? Because FHA, when you go FHA, which we did for our first home payment or our purchase and I think Becker should too, I think whoever's looking to buy their first home, utilize the FHA. Yeah. But there is that MIP, right? Yeah, 0.85. Yeah. It's a couple hundred bucks a month. You're throwing to the lenders just in case you might foreclose. So it's absolutely the VA loan is one of the best programs for them. Again, I met with a guy last night, not my client, I kind of just assisted. But you know, listening to him, here's his story of, you know, the struggles he's had, his disabilities, what he's given to our country. You know, he's he's not approved for a whole bunch. But you know, we're going to, it's going to happen. We're going to make it work. We, those are the, those are the clients you give extra special attention to that, you know, you just really appreciate what they've done for our country. And yeah, I think the VA loan is, is such a great program. Even when you do a new build, they come in and you know, most new builds, they want you to put five or 10 or 20,000 down on VA's. A lot of the builders will just X, just do a thousand bucks or 500 bucks down for the VA. Right. So something to get it started. Yeah. Yeah. So we were just looking one up and four left and tell me about the marketing areas you cover. I mean, you're not just four left and you're not just Denver Metro. You go south, north, east, west. I live in Aurora. So Aurora is my sweet spot. I always tell everybody, you know, east of I 25, you're going to get more bang for your buck. Um, you know, west of I 25, you've got your Lakewood, Jeravada, your Westminster's, your Broome Field Lafayette. Those are your more pricey, older homes, um, but it just depends on, you know, where do you work? This, this guy last night was like, look, if I can get a good home for my kids, you know, my kids. I'm willing to drive an hour. I'm willing to go to Greeley or Evans or Strasburg or Bennett. It's all in about what you're looking for. How will, how far are you willing to go? Cause the more, the further you get away from Denver, you're going to get more. You just are Denver's pricey. It's our average sales prices, I think six, around 680, I think, um, that's, that's a lot, you know, especially when our rates have been, you know, seven, eight percent. That's, that's a $5,000 mortgage, you know, so these rates coming down now, when you're talking in your five and a halfs, you're back into that 3000 mark. So, you know, it's doable for two income, one income, you know, I'd, people, depends on what they do, you know, Denver's a great employment market. You know, you've got Lockheed Martin, you've got, you know, so many tech, you've got Amazon, you've got Toyota, there's so many great business here in Denver and people want to move here. People love it. It's hiking, biking, skiing, you know, all those good things. No worries, man. Everybody loves it. No, no. The first month, you're like, I like this, no worries. I like this. Yeah, no hurricanes. Four seasons. I, I very rarely born and raised here. Don't love snow, but the other day, I was like, Oh, you know, it's been a hot summer. I think I'm ready. I think I'm ready for a little snowstorm, so I was fired up to wear the shorts and the long sleeve today. I was like, ooh, this has fall written all over it. Yeah. Pumpkins out, right? Pumpkin spice is out already. So yeah, Brian Edwards, our buddy is a big fan of the pumpkin spice. So we've been made well aware that it's a spice season. Before we get into sports, one last thing. I'm noticing too, when I'm looking over these contracts purchase contracts as an appraiser, there's a lot of concessions going from the seller. Tell me about that portion. Seriously, I have no clue. Is that something the realtors are kind of battling back and forth with each other, presenting it to their clients? Or how does the seller concession game work? And how important is it to have a realtors that knows how to work that game? You know, here's the deal. If you ask for, say, $30 grand off the purchase price, we've got homes that have been on the market over 100 days, those are absolutely negotiable. So if you're asking for $30 grand off, you're probably talking like $150 a month difference, where if you ask for $30,000 in seller concessions or whatever the loan allows, there's a certain percentage. Again, your lender will know that. But if you ask for that and do a buy down, you're going to change $300 to $400 a month instead of that $150 a month. So it's very important to have a great realtor that has a great lender that can run those numbers for you, give you their honest answer of which way is better to go. And when we say buy down, we're talking about buying down the interest rate, right? So if it's at 6%, we can buy down to 5%. You can get in the forest. And you can get the sellers to pay for. Yeah. And that's probably in a month or two, when things start getting hot with these interest rates, you're not going to make that negotiable. It'll, per numbers were a seller's market, but the buyers are definitely running the show right now. So they can get their closing costs. I mean, if you use Chaffa, Colorado Housing Finance Authority, your first-time home buyer program, you're putting $1,000 down. If you have the right realtor, that's all you're putting down. Well, we happen to have the right realtor. Hi. I'm going to say, you're going to have to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time. I'm going to have a good time.