Agent vs Lender

Are we in a bubble?

February 18, 2021 Ron Pippin
Agent vs Lender
Are we in a bubble?
Chapters
Agent vs Lender
Are we in a bubble?
Feb 18, 2021
Ron Pippin

Lenders and agents will never forget the 2009 crash, as no one will forget 2020. But are we in the same bubble as 2009? 

This week we have Jeff Tomlinson who has been in the industry for 17 years. We discuss the current market situation and how to stay on top of a very fast moving market. Jeff also shares all his secrets as to everything from how he uses technology to how he inquires clients. Now is the time to excel not just survive these crazy times!

You can listen to all episodes of Agent Vs Lender on Spotify, Apple Podcasts, Stitcher, and Google Play. If you love Agent Vs Lender follow us on YouTube, Facebook, and Instagram for all bonus content. 

Show Notes Transcript

Lenders and agents will never forget the 2009 crash, as no one will forget 2020. But are we in the same bubble as 2009? 

This week we have Jeff Tomlinson who has been in the industry for 17 years. We discuss the current market situation and how to stay on top of a very fast moving market. Jeff also shares all his secrets as to everything from how he uses technology to how he inquires clients. Now is the time to excel not just survive these crazy times!

You can listen to all episodes of Agent Vs Lender on Spotify, Apple Podcasts, Stitcher, and Google Play. If you love Agent Vs Lender follow us on YouTube, Facebook, and Instagram for all bonus content. 

Ron Pippin:

Welcome to another episode of agent versus lender. And today we have with us Jeff Tomlinson from equity real estate. Welcome to the podcast. Yeah.

Jeff Tomlinson:

Hey, thanks for inviting me.

Ron Pippin:

Awesome. So, you know, we, oftentimes we just, we're just gonna fire some questions out. Yeah. And, but tell us a little bit you how you got started in the business and been in the business. So tell us a little bit about you.

Jeff Tomlinson:

Yeah, um, well, I'm in business for 17 years. And initially, I did some other things that kind of led me to this path. And I was in construction for a while. So I got kind of a background into home building, and doing various things on homes as far as construction goes. And then prior to that, I got my degree. But local university, we were stayed and had different careers, from project managers to software development to facility managers, as well as some other career paths. And over time, through you know 9/11. Remember, if you remember that period, that's kind of a challenge for a lot of us.

Ron Pippin:

Totally remember that period? Man, I can remember right where I was when I heard that those planes hit those towers, and watched as the second one. So it? Yeah, I totally remember that. Yeah,

Jeff Tomlinson:

Yeah. Well, I was in the computer industry at that time. And we we never fully recovered from that. It was a lot of ups and downs. And I had actually experienced four layoffs in a matter of four years. And, you know, just got old, and I suppose I've got to do something that I feel like I knew I could probably do, and try a different adventure to go out there and to, you know, try something on my own. Because I think we have a false premise. When we work for somebody that everything's all safe and sound and you know, I'm I do my job, I'll have a job for my whole career. Not so. And so because of that. I just thought, Well, what what resources do I have and what could I do to move forward and still make a decent living? and real estate came across my mind because of some of quaintness I had, so I got licensed and started going at it, you know, just started pounding doors and everything I could to make things happen. And over time, that was what I got into it is what right, actually, when the boom happened, fires real estate here local, you know, with all those 2000 course we were building right before the crash, right?

Ron Pippin:

Yeah, they're building crazy for the crash.

Jeff Tomlinson:

It was, I had several investors we were working with and stuff, and they're coming here to Utah. And we're getting them involved with some of their programs, because they took some training as far as do real estate investments, and how to build wealth and so on and so forth. And that was pretty good for a while, you know, it was good to get involved with a lot of builders and investors and things were going well. But then there was, you know, this collusion stuff and then of inflated pricing. And then of course, we experienced that crash that just changed our whole market forever or less. And then that was a big challenging times because it went from a really great market to just a disaster. And then we went through our foreclosure short sale industry, which was a nightmare I felt, you know, you start a process of purchasing a home If you're on the seller side selling a home, which can lead to anywhere from six to 18 months to get a deal done one deal, you know, your pipeline.

Ron Pippin:

Yeah, I remember that. It's, it's, uh, you know, I worked at a bank about that time. And it's really funny how they would say that, that the banks wouldn't wouldn't give you an answer. And quite honestly, it wasn't in their best interest to give an answer right away right away, because they're gonna they're gonna take a haircut on those homes. And so that had to go on their books. And so sometimes it was a matter of strip strategy, strategic offer acceptance, because they want didn't want to show that big, huge losses on their books. And so that's why sometimes it took so long. So it's just, it was just a crazy time.

Jeff Tomlinson:

Well, it was such a there wasn't just one or two. I mean, when you had about 35%, or so of our market was the short sales, you know, how do you go about the whole process of taking a property and evaluate it? Was it really worth right? And then you hit the asset manager to get their approval, and then they pass that on for another approval? And, you know, have it take too long then that sometimes the original asset manager no longer work there? So you almost had to start over sometimes. And yeah, it was just a real difficult time for everybody. I don't think anybody just enjoyed that. And nobody might be made very much money during that time, as far as there was so many different directions of what to do and how to do everything. Everybody's on this huge learning curve. And fortunately, that went away after a few years. But hopefully, that doesn't come back now that our current situation is what's going on with our market right now, that kind of worries me as to what COVID has done for employment stake, you know, and what's going to happen to all those mortgages.

Ron Pippin:

So do you think, do you think we're in a market that's similar to 2007? where, you know, prices went up? So click here? Are you concerned about that market at all?

Jeff Tomlinson:

I'm very concerned, it's not just well, pricing certainly has a factor, right. I mean, that's Sure. Well, we were reaching numbers that we've never seen before. And the thing is, is that not not only with that, though, but we back then we had different banking laws and way that things were done, as you remember. And now there's preventative measures that have been put in place to try to offset those kind of conditions. So I don't see we've seen that. But however, what we do see is the fact that I mean, back then we had some high prices, but we had a larger inventory. You know, a lot more homes on the market. Now we're down. I mean, I, for instance, I did a search for a property for some of my buyers at a price points right around 350. And I looked in both Weber and Davis County, and I found two homes, two homes.

Ron Pippin:

There's only two homes? Wow.

Jeff Tomlinson:

two homes, you know,

Ron Pippin:

that is just nuts,

Jeff Tomlinson:

right? we used to do that, you'd probably find what 30, 40, 50 maybe. And now as to and we sent an offer into a property that was at 260,000. We went as high as 290. They had 30 offers on the home, they didn't end up accepting our offer. And you know, what do you how do you compete in that? I mean, cuz then you're asking people now to bring out of pocket. Because if we write an offer that says, hey, listen, we'll go X amount over appraised value, then how are we going to come up with those funds is, you know, a lot of lenders or buyers, I guess I should say, don't have a lot of spare cash set aside. You know, they're trying to a lot of them are trying to get 100% financing if they can, right. And so we're asking them to step out that trend that we used to do for years, and come up with their own money and throw it at this this home that they intend on buying, which I'm not a big fan of because if you take all your liquid assets, and throw them into the home, what happens when things start getting rough, and you don't have any reserves, because you used all those funds to put into the purchase of the property. Right. That's That, to me is kind of scary, because we're, we're almost self perpetuating this issue because of the lack of inventory. And I don't know why it's very uncomfortable. I'm not comfortable advising people to throw an extra 30 to 40 at an offer but those people are getting the homes and those who don't don't right now, I don't know what you're seeing on the lending side.

Ron Pippin:

Well, you know, people ask me if if there's a bubble and I don't I'll tell I'll tell you, I don't think so. But But I'll tell you why. When we had the bubble back in 2007, it was simply because it wasn't, obviously wasn't lack of inventory, we had the inventory. But the lending guidelines were so loose. I mean, literally, if you had a heartbeat, if you have a mirror, you could get a loan, you could get financing for 100% financing no money down for an investment property at a low credit score, it was just insane.

Jeff Tomlinson:

Yeah.

Ron Pippin:

And, and so that that artificially inflated prices of homes because everybody wanted a home. Right. And, you know, we have we had the the ninja loans, which is no job, no asset. You know, it was just like no income, no job, no asset ninja. So it's just like, you tell me how much you make. And that's what we use. And I never really got into a lot of those kind of financing areas just because they made me nervous. But they're they were out there. And a lot of people were doing those. Yeah. And we're not in that environment. Now we are, we are in an environment where you have the cific economic principle of supply and demand at work. And you don't have a lot of supply, and you have far more demand. And it's driving prices up. It's driving them up a little higher than I would like to see them go. But but that's what's at play right now. So are we going to have a crash? I don't know. I tell people, even if we so let's say let's say that we did, let's see that prices went down. So in 2007, we had a pretty significant drop. It took a ticket about a year and you know, they just plunged down. But over the next three or four years, you were back to that same level? Yeah. Well above. So earlier in the podcast, you mentioned that. That the we're at levels that we haven't seen before. But you know, almost every year, we're at levels that we haven't seen before, we're just at a we're just at a point where prices are rising pretty rapidly. And and so it's it's just really hard to for people that are in a little bit lower income levels, it really really makes it tough for them.

Jeff Tomlinson:

It really is scary. And we are in uncharted waters, for sure. You know, and I believe in growth, but I think it should be. I don't want government intervention or anything. But I mean, we should try to stabilize things. And I think part of that problem is that the appraisers, how do they justify getting those values? Right? I mean, I've talked to a few of them. I said, Hey, listen, well, you're seeing in one month's time anywheres between five and $10,000 increase in prices? How can you warrant that? And they'll say, Well, I had X amount of offers. I'm like, Okay, I get that. And I guess supply and demand. However, if you continue to do this, we're going to read some real big issues such as work in the first time home buyer find homes, and what are they going to do and in and not only that it trickles throughout the rest of the housing market, not just the entry level, but also into all levels of the values. I mean, looking around here in Weber Davis, you know, all across the Wasatch Front, you're seeing multifamily units, condos, townhomes popping up left and right, like crazy. Right. Right. And it's because they can't get enough going quick enough land so expensive. And there's not really that many builders like there was back in 2006, seven and eight. I mean, everybody had a truck and that trailer was building homes. Right? Great. Seriously, you drove around? Everybody's got a lifted truck and a trailer and a hammer there at it. Well, that's not anymore. We don't see that. And I don't know why. Because the market has been going up like this consistently, but I say the last 18 months is giving got more out of control. But I mean, not everybody's jumping on board. It's almost like you want them to to give us more options, right? But I've got developers who I'm looking for some land for and you know, they're looking at X amount cost per door to get in to start development, but there's not a lot of projects out there that are available, and therefore inventory levels stay low. But another interesting factor is that you're probably experiencing this two is that we're getting a lot more people moving out of state into our state. I mean, you look at for instance, Hill Air Force Base are bringing in right 4000 more jobs here in the next couple of years, just because of their different programs that hills acquired. And because of that, but there's a lot of other big businesses that are moving here to Utah, our economy's just on fire, and I don't see it stopping for two or three or four years. And that's a problem.

Ron Pippin:

Well, it's a problem in in that there's, the prices of homes are probably not going down anytime soon. No, those people that are on the fence and saying, Hey, I think I might wait, I might, I think I might, you know, wait till prices go down? Well, it's just not going to,

Jeff Tomlinson:

its the worst thing that they could do, right? I've had like six or seven buyers. And so I'm, I'm stepping aside, my submitted X amount of offers, nothing's happening. So I'm going to step aside. Excuse me, Well, good luck, because now it's gonna cost you 20-$30,000.

Ron Pippin:

You know, I've had multiple buyers that did that same thing, they just said, I'm gonna, I'm gonna take a break for a couple months, and I'm going to seriously, you really don't want to do that. And then when they jump back in there a little shocked at going well, the houses that I'm looking at now, are, are more expensive. I said, That's exactly why you need to jump on it. So for those that are that are on the fence, man, it's just like, just just bite the bullet everybody's going through the same thing on on on trying to buy these homes. And you just got to play the game right now? Or are you just gonna pay more and interest rates?

Jeff Tomlinson:

Mm hmm.

Ron Pippin:

I don't know if we want to talk about interest rates. But

Jeff Tomlinson:

I don't know what's gonna happen,

Ron Pippin:

the interest rates right now or another, you know, the funny thing is, is we've heard interest rates are low, we've heard that for the last, you know, 5, 6, 7,8 years. And but they are, they're crazy low. I'm telling you, that is not going to last, the quantitative easing, where the government's buying mortgage backed securities, they're still doing it, but they're saying they're going to stop. And that's artificially keeping rates low. And when that comes to an end, and you're not going to have as much demand for those mortgage backed securities, which is going to drive rates up. So

Jeff Tomlinson:

that's gonna be a real scary thing there. You know what I mean? I mean, cuz the people's buying power right now is pretty high because of that. And you take that factor out of this equation. It's gonna be scary, I think. And just imagine this, look at what are young families going to do? People who are making maybe facing some economic economic challenges? What's going to happen to them, you know, their purchasing power is going to get smashed? And what then what are they going to go? They're forcing them into rentals. But then you look at rent rates. And then No, not that they are, you know, their rents more than buying a home, and you build no equity in it. Right. There's no tax advantages. You can't keep up with the market as far as inflation and pricing. That's one way to offset all this is trying to get on board and just go for the ride. And like you said, People say, are we in a bubble? I don't see a bubble. I don't I just see more and more people moving in and prices continue going up. If there's nobody there to say, you know, officiate, in a sense on this and, and kind of suppressing those prices. Who knows where we're gonna go?

Ron Pippin:

Yeah. So you had mentioned to me, I'm sorry, I'm gonna switch subject, john. Yeah, that's fine. We had talked about a little bit before the podcast that you were what is your What is your business come from?

Jeff Tomlinson:

Oh, okay. Well, several different sources, either that come from family or friends that come through some kind of marketing that we're doing, whether it's social media, whatever, they'll come through listings, also come through some lead generations that we paid for. And sometimes if people just get them off the sides, they'll still see, you know, something out there we posted on a home or maybe some other kind of source, and that's how we're getting most of business.

Ron Pippin:

Well, that sounds that I noticed. You had mentioned at the beginning of the podcast that when you first got in and you went out knocking doors is that still

Jeff Tomlinson:

I don't do it. I mean, I'm not opposed to anything. And there's some people who have a hard time. I mean, just for instance, I'll cold call to you know, homeowners and just try to say hey, listen, we got something for you as far as a free estimate to value or let you know what's going on the market or whatever the case may be, I'm not posted that it doesn't scare me or bother me, I just think it's just a service that were extended to people knocking on doors than in the past, I don't mind doing it, whatever is productive really is kind of neat to go out and to meet with people and kind of get their take their insight, their feelings, which helps me as an agent to know a little bit more about what people's slots are. So I can better service my sellers and buyers. So whatever, you know, Avenue works. I'm all

Ron Pippin:

It's probably a little more tough to do some of for it. those type of tactics like door knocking during a pandemic. Yeah, imagine some people are a little more standoffish some something I know, some people like don't care, like, not a big deal. Yeah, you have you have both sides of that fence. Some people are, like, really standoffish. And some people are like, yeah, don't don't talk to me, you know, it's probably just causes that, you know, just one more challenge in the

Jeff Tomlinson:

And that's a good point. And that's why probably haven't done as much face to face. I mean, I'm not, it does, this doesn't bother me, really. But you see people, some of your friends and then you know, are really avid, staunch Watch out, we're all gonna die kind of things. And so the productivity of knocking on doors probably isn't the best right now. Because you just don't know what you're gonna get. Right. And and it's already tough enough to go around and knocking on doors. But to put that factor into the equation as well, probably not the best time to be doing that kind of marketing.

Ron Pippin:

Right. So I know that you've been in the business, I think he said, 17 years. Yeah. So you know, that the marketing, and and the way you do business is like completely different. From 17 years ago to go. It's so much more technology driven. So what is like, what is a favorite thing that you do? That's technology driven? But I'm assuming you're in the business, and you're doing really well? So I'm assuming you're, you're using technology? What is the things that you like to

Jeff Tomlinson:

You know, it's interesting, you brought that up, because, you know, they used to have those paper, little thin pamphlets, and you see it all the gas stations, and that would have your listings in there. Remember those?

Ron Pippin:

Yeah, probably remember those

Jeff Tomlinson:

newspaper ads and stuff, right? three lines is gonna cost me 50 bucks or something. Or you run it on KSL, and you get all these calls, mess, is gone. And so now what I try to do is to create infomercials in a sense, just kind of talking about what's going on the market, put it on Facebook, just try to do some ideas or concepts to people help them understand, try to do a value add and see what that you know, we'll do we'll get some questions often. So that's one avenue that we're trying more of, and then also just putting out more information is who we are. And of course, the internet. got several websites, as well as Facebook, Instagram, just being out, like you said, just create more presence.

Ron Pippin:

Oh, so you're, you're active in social media?

Jeff Tomlinson:

Yeah. You know, without being it's hard, because social media, I've learned is more about friendships. What did I do with my family, go, go go.

Ron Pippin:

Hence the word social, right?

Jeff Tomlinson:

Bingo, right? And they hear you come, hey, you want to buy a home? Be like, get out here. So you know,

Ron Pippin:

people are used, I think people are used to some of that. Now. It's just like, and people know that. If you're on social media, if that's all you did on social media was, hey, you want to buy your home, hey, you want to buy a home or you want to buy a home? They're going they're like, gonna totally ignore you. But if you if you just remind people now and then that, hey, I'm an agent, if you need some help, or Hey, I'm a lender or Hey, Anna, hey, I'm a car salesman, hey, I'm, I'm selling lipstick, whatever it is. It's, I think, I think it's okay to do that. That you don't want to like every single post and every single day and every because it takes the social out of it.

Jeff Tomlinson:

It does and like you said people get sick of it. So I try to you know, salt, pepper. You know, interject family activities, other kind of social things in there with what's going on in the market. Try to be I always try to do a value add kind of thing, not just your buying and selling but maybe give them a story. I have a client that we helped try to show him some techniques that they can use when they're selling or buying a home, you know, just try to provide some kind of assistance, because I think, honestly, since the advent of all the internet and stuff like that is kind of devalued what agents do because they go online and read what an agent does or what I need to do, you know, and unfortunately, I think that people take that as gospel truth about everything. And there are some bad agents who have caused issues for us all as well as lenders, and so on so forth.

Ron Pippin:

Yeah, it doesn't matter what industry you're in, there's good or bad. It doesn't matter whether it's lenders or real estate agents, or I mentioned car salesman, or doesn't really matter. You have some really rock stars and people that they're, they really help. And then you have the, you know, the typical salespeople that's like, yeah, hey. Yeah.

Jeff Tomlinson:

So you have it in any industry? Yeah, it is. And so I mean, keeping that in mind, I tried to not be that approach, because you can't really be sincere and honest, you know about it, and address people's needs. Because that to me, is I just tell people, I'm more of a consultant. You tell me what you're looking for. And we'll fill in the blanks, and I'll take you along this journey. Because if you feel like, you know, you have anxiety, or concerns or worries, and I, we need to address those, and help you make this as easy as possible. Because it is it is, for the most part, it's your biggest purchase you're going to make or item you're going to sell right? Or and to have some assistance. Because, you know, I've got sellers, well, I can sell my own Well, fine, you can and great, best of luck to you. But maybe you left some money on the table. Or maybe there's some other things you could have addressed to enhance the property, or protect yourself or whatever the case may be. Because I've seen things over the years that would frighten most people if they really knew what's going on. I'm sure you have as well. And but I guess you're some people are just willing to take the risk, in a sense, because of ignorance, and that's fine. You know, it's your home, do what you want kind of thing. But we're just here to say hey, listen, to offer some stability in the market because one big thing. I don't know if you've noticed, but it's kind of like a pet peeve of mine. We have Zillow, Trulia, Redfin resources for people. And they think that's gospel truth. Right?

Ron Pippin:

Exactly.

Jeff Tomlinson:

totally not real.

Ron Pippin:

I'll be honest, I've, I've been to some of those sites to look up values of properties. And look at my house one day, and I went, man, if they if I could sell my property for that. It's like I would sell it today. Oh,

Jeff Tomlinson:

yeah. And and then then I get people call me off those sites and say, I'm interested in this home. I look it up. Oh, yeah, it was sold a year ago.

Ron Pippin:

Yeah. That's a whole other conversation.

Jeff Tomlinson:

I know, right? I'm just saying that, you know, when this all ties in, hopefully, to you and I in our professions, is that, you know, I can go online and get a loan, I can go online to find information, I don't need an agent and all those kind of things. And I just really feel over the years that what you and I do has become less and less important, overall and you kind of feel bad because if they really do, how hard we work for them and how much time we spent

Ron Pippin:

right and you know, I don't I don't think that it's that we are less and less important. I think we are even more important for for the right people if it's just somebody that's just trying to get the best deal and they're they're shopping online you know more power to them. But there may not be getting the best value because we in our profession, whether it's real estate or the lending side, we bring value to them and we bring bring expertise, you know, you have 17 years I have 25 years it's just like you you're not going to get that value. And and the expertise online, you know, most of the online places that you're calling it's like they're picking up the phone and they're and you're getting you're getting you're basically getting a salesperson that's just trying to close a deal. Exactly. have your best interests at heart which is like you and I we are we have their best interests at heart. One because we've been in the business so long and two, you know, it's just good business because when you when you do right by people, they are going to refer other people to you. And when you don't do right by them they'll let everybody know,

Jeff Tomlinson:

right. Oh, it is and stuff and that's the hard part. Is it? So I've had some clients say, God, that was easy, I could probably do it on my own. And like, that's the point. It was easy, right? Because we did the right stuff, we, we dragged you down those paths and stuff, which made it easy for you. Because that's what it shouldn't have been hard. And then when those hard things come up, then they look at you and is professional. What do you do about it? Well, we're gonna do our very best and, and resolve issues and address other concerns where else comes up, that's, that's our job. And so, you know, we'll we'll take that on and have ownership for it. And then you as our client will be the benefactor for what we are able to do for you. And, you know, because it really is, I think that over time that hopefully people can see the amount of efforts that we do in their behalf is worth something. Because I know that, like, if there's, for instance, on a lender site, they go to the local credit union or something, and they just get a person there, who does the five to nine thing, and they're no vested interest in it, because when they get the deal done or not, they still gonna get paid. Right? You and I, if we don't get the job done, we walk away empty handed. It's not about the money all the time. But we're gonna do everything we can because your family is counting on you providing songs mine, and I'm counting on getting people's bills done for him.

Ron Pippin:

Yeah, but you know, in the same vein, though, if you don't want we don't, at least, I'm sure you're the same way as we don't want to get a deal done to get a deal done. Absolutely. Not getting a deal. Yeah. Family. Yeah, at the same time, just like you said, it's just like, we want to do the right thing for you, too.

Jeff Tomlinson:

Absolutely. And that's why I'm saying is that we're getting the deal done, because we're invested in it, right, we want to get you you as our client taking care of that, because we I take it very seriously. You know, I've taken phone calls 11 o'clock at night, right? And, and we're on holiday, vacations and stuff, I got my laptop there, and cranking through stuff and trying to be transparent. To make sure those people's needs are taken care of. First, you can ask any of my family members, they're over there doing whatever and dad's on the computer on the phone, or whatever the case may be trying to call things down or get things taken care of. So that is transparent. They don't know what's going on. Right? And that's fine. I'm okay with that. Because this is, you know, for me, and for them, it's big, this is a big deal. And they're interesting, our professionalism to help them in their situation. I don't want to let him down.

Ron Pippin:

So if so, if you had if there was a if you had a piece of advice for an agent, that is fairly new in the industry, what would that be?

Jeff Tomlinson:

That's a great question. Because I've had a few family members said, Hey, I want to do real estate. And I said, Well, that's fine, go, you know, jump into it, stuff like that. But it's it's a lot more challenging than you think. And what I mean by challenging is that what do you can provide different than anybody else? How hard Are you willing to work? I mean, are you a hard worker? Are you going to be doing stuff without somebody sitting over the top of you and getting things done? Are you going to follow up? I mean, what are you going to do? What's your game plan? You know, I mean, I'm here. Okay, great. So you and 5000, other agents are here as well. And so unless you're going to really have a, some training, some hard work ethics, and some fortitude, I don't think it would make it. I mean, yeah, you might get a couple quick deals from friends and stuff. But that doesn't pay your bills for the next how many years you plan on being in this business?

Ron Pippin:

Yeah. So what you're seeing is that being a real estate agent, it's not like, oh, let's go look at some houses all day. There's just more to it than that.

Jeff Tomlinson:

Oh, yeah. That's, you know, that's the fun part, I really do enjoy going showing homes and looking at them and stuff like that. But that's, that's, that's kind of like the reward in a sense, after all the time and effort you put into it, right? Because without without that effort, all the pre stuff, you're not going to get to show in the homes, or take the listing, it's all the work that you did prior to that. So without without that, I just don't see you're going to be able to have a an effective gameplan you know, just being a pretty face out there. And nothing wrong with that. But it takes more than that. You wait till some things go south on you. And if you don't have somebody who knows what to do, or how to handle that situation, that's that can get ugly really fast.

Ron Pippin:

Yeah. So that's it. That's where good mentors and good brokers come.

Jeff Tomlinson:

Yeah.

Ron Pippin:

So, tell me, if somebody wanted to get in touch with you, what's what's the best way for people to contact you?

Jeff Tomlinson:

Well, the easiest way, obviously, would be my cell phone that say 801-643-4334 that's attached to me. 24 seven, you can also go on the internet and just type in my name, Jeff Tomlinson, and real tour, you'll pull up my Google webpage there, also go on Facebook, type in hot housing. And that will pull up, excuse me hot housing tips. And that will pull up my Facebook business page, and as well as my name on Instagram, and then that will pull up. So those are some good resources, plenty of information out there, you know, try to get people on the initial starting phase or steps we're gonna call them. And then when you got more questions, give me a shot.

Ron Pippin:

Cool. Yeah, I noticed when you said that you have your your phone is attached to you. I tell my wife, I'm more likely to forget my pants in my phones.

Jeff Tomlinson:

Right? Well, it is because I mean, that is who you are. If people says what? If you're working for yourself? You get all this free time and said, Yeah, then I'm like, Really? Yeah. I say Yeah.

Ron Pippin:

Yeah. Well, Jeff, it's been great. It's been great to have you here on the podcast today, I appreciate the words of wisdom and, and the advice and the mentality of of helping other people. I just appreciate that. Because so many people want to hold things just so close to the vest. And so appreciate you willing to give give to other people and gifts of your time today.

Jeff Tomlinson:

It's all about to give back. Right? It's about going out there and given all that you can and just to let people can really know that you're sincere about it. You know, you're not just out there to make a quick buck run off to the next deal. I hope that I hope that every time we walk away after a transaction, we're friends, and we respect each other and our, you know, walk down some store and bump each other and smile at each other. Right? So right,

Ron Pippin:

yeah, I'm yeah, it's awesome to be able to make friends with so many people out there. So

Jeff Tomlinson:

Yeah.

Ron Pippin:

Again thank you so much. And if there's anybody that if you want to contact me or my team, you can give us a call. Give us a call at 801-628-7667 You can find me on Facebook, Instagram, LinkedIn, just just find me Ron Pippin. And that'll brings it close another episode of agent versus lender.