Portland Homebuyers: How Assuming a Loan Can Save You Thousands

Did you know you could snag a 2.75% mortgage rate in today’s 6–7% market? Discover the little-known strategy that’s helping buyers save hundreds every month—and why sellers should be shouting about it.

📖 Episode Summary

Interest rates may feel like the biggest roadblock to homeownership right now, but there’s a powerful workaround: loan assumptions. In this episode of Off the Record, your hosts Joe Reitzug and Makayla Mast break down how buyers can step into a seller’s existing mortgage—and lock in yesterday’s low rates.

They’re not just talking theory here—Joe and Makayla have seen it firsthand with their own clients. Because they’ve guided buyers through the process, they know the pitfalls, the benefits, and the huge wins. And yes—it really can mean saving over $1,400 a month or more.

Whether you’re searching for your first home or strategizing how to make your listing stand out, this conversation will change the way you think about financing.

⏱️ Episode Highlights

• [00:01:48] – Why now is still one of the best times to buy despite higher interest rates.
• [00:05:08] – The major perks of assuming a seller’s loan for buyers and sellers.
• [00:08:32] – FHA vs. VA: which loan assumptions are smoother to process?
• [00:10:35] – The hidden challenge: longer closings and how to manage them.
• [00:15:24] – Case study: saving $173,000 over 10 years with an FHA assumption.
• [00:17:20] – Step-by-step: how to confirm assumability and apply with the seller’s lender.

👥 About the Hosts

This episode is hosted by Joe Reitzug and Makayla Mast, Portland real estate experts who love giving buyers and sellers the insider edge. They don’t just talk about creative financing strategies—they’ve put them into action with real clients and seen the results.

👉 Want a deeper dive? Check out the blog: How Consumers Can Buy a Home by Assuming the Seller’s Loan
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🔗 Resources Mentioned:

LivPortland.com

Ready to find out if you can step into a 2.75% rate or use this strategy to sell your home for more? Don’t just wonder—let’s talk about your options.

📲 Reach out to us today at LivPortland.com
or send us a message directly. We’ll walk you through whether a loan assumption could work for you—and how to use it to your advantage in today’s market.

Because this isn’t just theory. We’ve helped clients do it, and we can help you too.

.

Thank you for listening to this episode. Stay up to date on the latest trends and insights by subscribing to our podcast and following us on social media.

For more information about buying or selling in the Portland Metro real estate market, please visit www.LivPortland.com or contact us directly.

We appreciate your feedback, so please leave a review and let us know what topics you would like to hear more about.

Transcript

00:00:08:18 - 00:00:31:21
Joe Reitzug
Welcome to Off the Record talking real estate with joining me, Kayla. If you're interested in the Portland, Oregon real estate market and want the unvarnished inside scoop, you've come to the right place. Thanks for giving us a listen. Okay, welcome, everyone to the show. Thanks for joining us. Hello. Makayla mast. How are you?

00:00:31:23 - 00:00:34:05
Makayla Mast
I'm so good. How are you?

00:00:34:07 - 00:00:49:19
Joe Reitzug
I'm good, I'm good. It's a Thursday in our week right now. You know, Monday, Tuesday, Wednesday always feels like such a scramble and so busy and all that. And Thursday feels like you're starting to wind it down and just get to some of the things that you weren't able to earlier, which kind of feels good.

00:00:50:00 - 00:00:58:10
Makayla Mast
Yes, I agree. Trying to plan for the weekend. All the fun things to look forward to. Heading into Labor Day weekend this weekend.

00:00:58:12 - 00:00:59:18
Joe Reitzug
I know and you're going away.

00:00:59:20 - 00:01:00:15
Makayla Mast


00:01:00:17 - 00:01:01:09
Joe Reitzug
That's nice.

00:01:01:09 - 00:01:07:12
Makayla Mast
Up north to a lake house. Port Angeles and you are going to the duck game.

00:01:07:14 - 00:01:19:22
Joe Reitzug
I am going to the duck game this weekend. The home opener. Go ducks. I probably won't. I don't know I might go to 1 or 2 other games but oh it's a whole thing. It's a whole thing going to a duck game.

00:01:19:22 - 00:01:24:21
Makayla Mast
I don't believe that.

00:01:24:23 - 00:01:48:12
Joe Reitzug
Well, we've got a quite a show for people today. And, one of the things that people have been asking about is what are some creative ways I can get into a home that's not going to break the bank? And one thing that we're seeing right now that is the best workaround or whatever from regular financing is assuming a seller's loan, right?

00:01:48:14 - 00:01:52:11
Joe Reitzug
So we're going to talk about that. But before that we have our regular segment.

00:01:52:13 - 00:02:10:06
Makayla Mast
So it's our off the record moment. We'll share with you a little. Maybe it's a gripe. Maybe it's a confession. Something off the record that we want to share with our audience.

00:02:10:08 - 00:02:33:14
Joe Reitzug
So my hot take right now is, you know, obviously we look at the industry through our lens and can see things a little bit differently than the regular consumer. But I'm a little surprised right now that there aren't more people taking advantage of the current market and mostly home buyers. I think. Why are home buyers sitting on the fence?

00:02:33:18 - 00:02:54:20
Joe Reitzug
Maybe it has to do with employment. Maybe it has to do with uncertainty about the economy or where rates are still at. But in my mind, right now is one of the best times to buy. We've seen in years and years and years, certainly before the pandemic, and maybe much longer than that. I mean, you can get a lot of house right now.

00:02:54:23 - 00:03:15:17
Joe Reitzug
Prices are coming down in certain areas and certain price points, and sellers are absolutely willing to wheel and deal offer credits, provide certain things that they weren't before, and there's more inventory to choose from. And the other thing is, you know, what do they say about dating the raid or marrying or something like that?

00:03:15:21 - 00:03:17:12
Makayla Mast
Date the right. Marry the home.

00:03:17:14 - 00:03:26:16
Joe Reitzug
There you go. Exactly. Rates. You know, if they do go down like people are saying, you can always refi you know, so you're not locked into that, right?

00:03:26:16 - 00:03:36:11
Makayla Mast
But like you said, the. So all the seller credits that are being offered right now, you can use that amount to buy down the interest rate. Yeah. And then have that conversation in 2 or 3 years.

00:03:36:12 - 00:03:37:12
Joe Reitzug
So that's my hot take.

00:03:37:12 - 00:03:57:05
Makayla Mast
I'm just I agree I think interested a lot to look at which is we haven't seen and you know since I've been a broker in five years and there's a lot of creative financing options. I mean one one we're going to talk about today. So yeah I agree. I don't know what's going on in people's minds, but hopefully I.

00:03:57:05 - 00:04:02:11
Joe Reitzug
Think the biggest thing is just uncertainty about everything that's going on. And I get.

00:04:02:11 - 00:04:03:20
Makayla Mast
It. There's a lot going on in the world.

00:04:03:22 - 00:04:05:08
Joe Reitzug
Yeah there is. What? You're hot.

00:04:05:08 - 00:04:27:00
Makayla Mast
Take my hot take is I need people to stop talking about fall. Oh my gosh, I you are not allowed to say the word fall in my presence. I will kick you. I know football is on. I know it's exciting and I love the fall. But we're still in summer and until September 22nd, I want to be on full summer vibes.

00:04:27:02 - 00:04:28:18
Makayla Mast
I don't care that kids have gone back to school.

00:04:28:18 - 00:04:31:17
Joe Reitzug
For the official day. When summer ends is September 22nd.

00:04:31:18 - 00:04:32:20
Makayla Mast
I looked it up. Yes.

00:04:32:21 - 00:04:37:11
Joe Reitzug
Oh my goodness. All right. Well, I'm certainly not going to be safe.

00:04:37:13 - 00:04:38:03
Makayla Mast
Out of here.

00:04:38:05 - 00:04:41:06
Joe Reitzug
Yeah, I know you're not seeing the pumpkin spice, are you?

00:04:41:11 - 00:04:48:21
Makayla Mast
Oh, yeah. It's all over the place. I walked in target last night. It's pumpkins everywhere. Okay, get out of here.

00:04:48:23 - 00:04:51:06
Joe Reitzug
I won't be mentioning that four letter word.

00:04:51:07 - 00:04:53:06
Makayla Mast
Thank you, I appreciate it.

00:04:53:08 - 00:04:58:01
Joe Reitzug
But it is football season. Okay, that means that it's fall.

00:04:58:02 - 00:05:04:19
Makayla Mast
No, it's not. Not for another month. So we can enjoy football. For the meantime, though, I'm all about that.

00:05:04:20 - 00:05:05:03
Joe Reitzug
Yeah.

00:05:05:06 - 00:05:06:12
Makayla Mast
Okay. Okay, well, a little.

00:05:06:12 - 00:05:07:22
Joe Reitzug
Bit more summer. I can get behind that.

00:05:07:22 - 00:05:08:19
Makayla Mast
All right. Good.

00:05:08:21 - 00:05:30:12
Joe Reitzug
So let's talk about how consumers, homebuyers can get in to their dream home by assuming the seller's loan. And I'm not sure that a lot of people know that you can do that or that's available now. I know you have a transaction going right now where your buyers assuming an FHA loan. It seems like such a no brainer right.

00:05:30:13 - 00:05:49:22
Makayla Mast
All the stars really aligned on that transaction. So we're just taken away at it. But it feels like there's a lot of there isn't a lot of education about this. And so at least I see a lot of times, like when we're advertising a home where you can assume an FHA loan, it seems like we get a flurry of people reaching out to us, right?

00:05:49:22 - 00:05:58:01
Makayla Mast
But they have so many questions, they don't even know where to start. And to be honest with you, I didn't know a lot about it either until I really dove into this process. But yeah, great opportunity here.

00:05:58:04 - 00:06:21:18
Joe Reitzug
Yeah, I did a VA assumption last summer. That was a real eye opener. Let's talk about what a loan assumption is. So a loan assumption is when the buyer steps into the shoes of the seller and takes over their existing mortgage terms. So instead of the buyer applying for a new loan with a current market rate, they continue paying the seller's lender under the same interest rate, repayment period and balance.

00:06:21:20 - 00:06:31:20
Joe Reitzug
So you're just stepping into the seller shoes and saying, I'll take over their loan at, you know, maybe 2.5, 2.75, 3.5, whatever the case might be.

00:06:31:23 - 00:06:36:11
Makayla Mast
Yeah, ours is 2.75. It's beautiful. Wow. Buyers are so excited.

00:06:36:13 - 00:07:00:18
Joe Reitzug
That is fantastic. The thing to know about it, though, is not all loans are a symbol. So what we're really talking about is FHA, VA, and USDA, and USDA is more of a rural loan program. So we don't see a lot of that in the Portland metro area. But certainly FHA and VA, there's significant numbers of those in the marketplace right now.

00:07:00:18 - 00:07:09:12
Joe Reitzug
So something to be aware of. You're doing an FHA assumption right now. I've done a VA one recently, and in the last 12 months or so.

00:07:09:14 - 00:07:14:00
Makayla Mast
You did a USDA in McMinnville. Two I did it took a long time, but it happened.

00:07:14:05 - 00:07:42:21
Joe Reitzug
Yes, yes. I think if you're looking at the three of those, I would say in the order of most efficient probably goes FHA first, VA second and USDA third. Some departments, some agencies just have their stuff together more than others. USDA folks were very nice, but completely overwhelmed and not efficient with what they were doing. But we got it done.

00:07:42:23 - 00:07:43:14
Makayla Mast
And all of that.

00:07:43:16 - 00:08:01:22
Joe Reitzug
Yeah, and the VA is can be difficult to work with, but they want to get it done. And you know once again nice people. They're just restricted with some of the things that they can do and how they can do it. So I'll be curious with your with your experience with FHA to see how they handle this type of thing.

00:08:01:23 - 00:08:21:20
Makayla Mast
I agree, so far so good. I did some due diligence to find. I think the key is finding a lender within the bank who was familiar with this process on each side of it, right. So he's familiar with FHA prior approvals and also loan assumptions. So I was able to ask around and find the right guy. And then just really have good communication up front.

00:08:21:21 - 00:08:32:09
Makayla Mast
Yeah. And let them know that, hey we really want to make this happen. Let us know whatever we need to do. We'll make it as smooth as possible for you. If you can just educate us. So we started off on a good fit. So knock on one.

00:08:32:11 - 00:08:34:12
Joe Reitzug
Let's talk about what the benefits to the buyers are.

00:08:34:14 - 00:08:55:06
Makayla Mast
Sure. So of course that low interest rates I mean inheriting those terms is unheard of really 2.75 yeah. Goodness. Incredible. And really that's thousands of dollars over the life of the loan. If not, I mean hundreds maybe even up to $1,000 a month you're saving.

00:08:55:08 - 00:09:14:06
Joe Reitzug
Yeah. We're going to talk about a side by side comparison of assuming a loan versus doing a new FHA loan. And we're going to focus on FHA because that's the majority of the loans that are out there right now. VA is certainly a large number as well, but we'll focus on FHA for the benefit of today's conversation.

00:09:14:08 - 00:09:15:09
Makayla Mast
A great reduced.

00:09:15:09 - 00:09:23:03
Joe Reitzug
Closing cost is another benefit. Streamlined process. A lot of the fees are out of the way, which is fantastic.

00:09:23:05 - 00:09:24:09
Makayla Mast
There's no appraisal.

00:09:24:10 - 00:09:26:15
Joe Reitzug
Yeah the appraisal has already been done.

00:09:26:17 - 00:09:30:16
Makayla Mast
That's fantastic. That saves the buyer like what $801,000.

00:09:30:17 - 00:09:41:11
Joe Reitzug
100 to 1000. Yeah. And simplified financing. So you know it's pretty straightforward. If you qualify they just plug it right in there in a way you go right.

00:09:41:11 - 00:09:49:06
Makayla Mast
And you have to make sure that the loan allows for an assumption. But that happens on the seller's end before this conversation even happens.

00:09:49:06 - 00:10:07:09
Joe Reitzug
So so benefits for the sellers. What a great selling point to have. You know, hey, you can assume our 2.75 interest rate walk into this and save sometimes thousands of dollars. I was shocked when we did the side by side, and we'll talk about this in a second. The amount of money that that you can save on this is incredible.

00:10:07:11 - 00:10:35:06
Makayla Mast
Oh absolutely. I would say the only negative to both parties is that it's a longer closing. But you just have the banks have less people working for them who can push these things through. Right now our closing date is 90 days out which hurts a little bit. But there's hopes, to speed it up, if we have all of our paperwork in order on the buyer's end and we just make sure to hit our milestones as quickly as possible, so hoping it can be done in less than that.

00:10:35:06 - 00:10:39:20
Makayla Mast
But that's definitely a conversation worth having when you put your offer together, you know?

00:10:39:21 - 00:11:13:13
Joe Reitzug
Well, let's talk about the intricacies of assuming an FHA loan you got to qualify with with the lender buyers. They still need to meet the FHA credit and income requirements, equity and down payment. You know, you got to cover the difference between the home sales price and the seller's remaining balance, which can be an obstacle if someone's been in the house for quite a while and has a large equity position, you're going to either have to come to closing with that amount right to pay the seller, or we had this happen with the VA that I did last year.

00:11:13:13 - 00:11:18:06
Joe Reitzug
They just got a second loan to cover that. And there are loan programs out there where.

00:11:18:07 - 00:11:19:05
Makayla Mast
Which is amazing.

00:11:19:05 - 00:11:34:07
Joe Reitzug
Yeah. So the principal balance owed to the lender is 400. The home is being bought for 550 let's say. So there's $150,000 difference there of equity that the seller is going to expect to be paid at closing. Right.

00:11:34:07 - 00:11:35:21
Makayla Mast
So they'd have to. Yeah.

00:11:36:00 - 00:12:08:16
Joe Reitzug
Yeah. So you either have to come to closing with that additional $150,000, which most people don't have, or you get a second loan and that loan will probably be at, you know, current rates. So you're looking at six and a half, but it's on a much smaller. And let's say you come in with 25,000. So now you're doing $125,000 loan at 6.5%, and you've got your $400,000 loan at 2.75.

00:12:08:16 - 00:12:12:03
Joe Reitzug
Right? Still a huge savings.

00:12:12:05 - 00:12:36:03
Makayla Mast
I think we're in a good window here where when that time 2021 2022, when rates were low. You know, that wasn't terribly long ago, right? Which means that people haven't been paying down their principal as much as obviously they would have if it was ten years ago when the rates were like that. So now really is a good time to maybe try and find loans like this that are assume of all, because the cash you have to bring to the table might be small.

00:12:36:03 - 00:12:44:02
Makayla Mast
I like the one that we're doing. The cash they have to bring to closing. Closing, including closing costs, is $90,000.

00:12:44:04 - 00:13:04:22
Joe Reitzug
Right? Exactly. One of the other items that the lender is going to ask for is a release of liability for the seller. So, you know, the seller needs to make sure that the lender removes them from responsibility after closing. Right? So this new loan is 100% on the buyer. Right. And the seller's not in the secondary position or anything like that.

00:13:04:22 - 00:13:26:10
Joe Reitzug
And that actually came up with our VA on the loan that we did where we were looking through the paperwork and it said, okay, Mr. Buyer, you are assuming this loan and you're responsible. But there was also some verbiage in there about and if the buyer, you know, fails on this, then the seller is then still responsible. So we had to address that and it got taken care of.

00:13:26:10 - 00:13:48:21
Joe Reitzug
But sometimes lenders they want to make things as easy and convenient for them as possible. The laws and the rules say no seller does not have liability on that. So right. Some lenders may charge up to $900 for, a credit report for the assumption that type of thing that all goes into, you know, qualifying for the loan.

00:13:48:21 - 00:14:20:14
Joe Reitzug
Right. The other item that's kind of interesting is this do on sale clause. So FHA loans made after 1989 are fully assume a bill before 1989. There are still in place due on sale clauses. Which means that if the person that's on title sells the home, then the entire amount is owed to the lender. And that's why people that have a loan and have a balance outstanding can't sell on a contract most of the time.

00:14:20:16 - 00:14:37:20
Joe Reitzug
Most of the time you see a contract, it's going to be because the person has the property completely paid off and then they act as the bank with the new buyer. Not really what we're talking about today, but that do on sale clause is certainly something that you want to be aware of. You know, like I said, anything after 1989, you're free and clear with that.

00:14:37:20 - 00:14:44:03
Joe Reitzug
But if it's before then you certainly want to take a look at that. Realistically, that's 36 years ago.

00:14:44:04 - 00:14:46:06
Makayla Mast
Yeah, that would be a separate thing.

00:14:46:06 - 00:14:49:12
Joe Reitzug
It's either paid off or it's a very, very small amount.

00:14:49:14 - 00:14:52:00
Makayla Mast
Right. Unless they've refinanced 200 times.

00:14:52:00 - 00:14:56:01
Joe Reitzug
So something to consider. So let's talk about a real world example here.

00:14:56:03 - 00:14:59:08
Makayla Mast
Now I love it I love what you've put together.

00:14:59:12 - 00:15:24:20
Joe Reitzug
Yeah. So home's current market value let's say is 525. The remaining FHA loan balance is 480 interest rates. So that's the scenario that we're looking at. Someone that bought maybe 2000, 20, 21, 22, something like that, which is a lot of folks, right? We sold a ton of homes back then, and the rates were anywhere from 2 to 4% somewhere in there.

00:15:24:20 - 00:15:36:15
Joe Reitzug
So let's say 2.75, because that's what, you know, you're dealing with right now. So monthly principal and interest on the existing loan is $1,959.

00:15:36:17 - 00:15:37:12
Makayla Mast
Nice.

00:15:37:15 - 00:16:09:23
Joe Reitzug
Yeah, yeah. If you looked at a regular FHA loan right now at 525 with a 6.75% interest rate, you're looking at a, monthly principal and interest of $3,400. So $1,443 in savings. But it's not just the everyday monthly saving. If you look at the five year saving and the ten year saving, the five year savings is $86,000 500 and crazy.

00:16:09:23 - 00:16:13:10
Joe Reitzug
The ten year savings is $173,000.

00:16:13:10 - 00:16:14:08
Makayla Mast
Oh my gosh.

00:16:14:09 - 00:16:38:03
Joe Reitzug
Right. So yeah, some in the seller's FHA loan can be an incredibly profitable, easy way to get in. And also very, very lucrative to you as a buyer, especially over the long term. I was blown away by that $173,000 year. If you want to see this in writing and kind of see how it all breaks down, we'll post this to the show notes.

00:16:38:03 - 00:16:56:02
Joe Reitzug
If you go to our website LivPortland.com, that's LivPortland.com and click on our either our blog or our podcast, and you'll be able to see, this show and the show notes will have this information in there. So you can take a look at it. So what are the steps to buying a home by assuming a loan back.

00:16:56:08 - 00:16:57:04
Joe Reitzug
What you got for me.

00:16:57:04 - 00:17:20:14
Makayla Mast
Well, you need to first confirm some ability which we've talked a lot about. This is initiated from the seller's perspective of the seller's lender. So that's how it reaches out to the loan originator and says hey, is my loan a suitable. If yes, they'll send you a letter in the mail. It has a lot of great information on it, FAQs, and of course the principal and interest broken down for you.

00:17:20:15 - 00:17:48:08
Makayla Mast
Then you apply with that lender. So you have to apply with the lender who originated the loan. That's usually a bank, you know. Of course usually loans get purchased a couple months after a sale goes through. So there's really like 4 or 5 banks. There's more. But but we commonly see that hold these loans long term. And then if that all looks good, you negotiate your terms, writing an offer just like you would do for any other home sale.

00:17:48:11 - 00:18:01:18
Makayla Mast
And then assuming it gets accepted by the seller, you just move on like a regular old sale. But like we mentioned earlier, it'll definitely be a longer closing, which is okay. It's just something you need to work into your contract.

00:18:01:20 - 00:18:23:22
Joe Reitzug
Yeah. So this is just a win win situation for everyone, for the buyer, for the seller, you know? And sometimes the seller by offering this assumption can get more money for their home. Right. And a buyer can look at it and say oh wow, okay I'm getting it at this lower rate. And the seller is willing to allow us to assume the loan.

00:18:24:00 - 00:18:47:22
Joe Reitzug
We'll pay a little bit more than that, especially if you look at the ten year on that $173,000 in savings. Yeah, you know, a buyer can look at that and go, okay, if I paid maybe ten grand more, 20 grand more, that's still a great deal for me. It's a win win in the current situation. If you guys have any questions about this, feel free to reach out to us or call your mortgage professional and discuss it with them.

00:18:48:00 - 00:19:06:15
Joe Reitzug
We are absolutely more than happy to answer any questions you have on this, but it is a fantastic way to get into a home at a reasonable price. You know, there are a lot of steps that you got to kind of go, go through here, but it certainly can be a great situation for for most anyone looking to buy right now.

00:19:06:17 - 00:19:10:05
Makayla Mast
Yes. Couldn't agree more. Yeah. Good infomercial.

00:19:10:06 - 00:19:16:17
Joe Reitzug
Yeah, I'm pretty excited about this. I think this is a great way for people to, you know, get into their next home.

00:19:16:18 - 00:19:23:08
Makayla Mast
I agree. And now that I know more about it, I think I'm going to encourage people to look for listings that advertise this because.

00:19:23:09 - 00:19:23:17
Joe Reitzug
Yeah.

00:19:23:17 - 00:19:32:20
Makayla Mast
For sure it's a no brainer. Okay, so we finished with our last segment, Something we're loving right now. It can be real estate or life related.

00:19:32:22 - 00:20:00:19
Joe Reitzug
Minus both minus both real estate and life related. And I'm gonna go ahead and say that I am loving all of the wineries that we have in Oregon and Southwest Washington. I am just blown away. I've been to McMinnville a lot lately where we're doing quite a bit of business there. Just driving through wine country is so incredibly beautiful, and I've taken a few moments to stop at different wineries on my way back from McMinnville.

00:20:00:19 - 00:20:21:11
Joe Reitzug
And holy smokes, some of these places are built on some of the most incredible land. With these views that are just so impressive. And, you know, I'm thinking about where you got married and some of the other places. It's just such beautiful country and you plop down a winery and tasting room in some of these spots, and it's just magical.

00:20:21:15 - 00:20:21:23
Joe Reitzug
Some.

00:20:22:04 - 00:20:28:07
Makayla Mast
So do you. Do I have to ask, do you do a flight or will you do a glass? Just and guess.

00:20:28:09 - 00:20:37:16
Joe Reitzug
I am more of a just buy a glass and if I like what I'm tasting, I'll buy the bottle, you know what I'm saying?

00:20:37:17 - 00:20:43:18
Makayla Mast
Oh, I do know what you're saying. Which is why I love going wine tasting with you. Because you are not afraid to buy.

00:20:43:19 - 00:20:44:09
Joe Reitzug
No.

00:20:44:11 - 00:20:47:07
Makayla Mast
Really. Nice. Follow and share. You're so generous.

00:20:47:07 - 00:20:57:15
Joe Reitzug
Well, usually. Mrs. Right, Tig is with us, and you know how that goes. This is wonderful. Let's buy a case. And I'm like, no, I'm buying a bottle first.

00:20:57:17 - 00:20:59:17
Makayla Mast
Sip at home. I don't care what it cost.

00:20:59:17 - 00:21:07:16
Joe Reitzug
I know, I know. Tonight we're going to a winery in Ridgefield, Washington, for an event that's complex.

00:21:07:16 - 00:21:09:23
Makayla Mast
Okay, we can report back next week. I'm just curious.

00:21:09:23 - 00:21:13:21
Joe Reitzug
I will report back, but it's supposed to be beautiful and fantastic.

00:21:13:21 - 00:21:18:14
Makayla Mast
So you know what we've been hitting a lot lately is, a Tara right in southwest Portland.

00:21:18:15 - 00:21:21:08
Joe Reitzug
It's wonderful. You're, like, five minutes away from there.

00:21:21:08 - 00:21:31:02
Makayla Mast
I know it's so dangerous. It is amazing. I mean, the views are amazing. The wine is amazing. There little bites to eat. They've really stepped it up with the menu.

00:21:31:04 - 00:21:33:11
Joe Reitzug
Is that like a happy hour thing for you guys recommend?

00:21:33:11 - 00:21:34:00
Makayla Mast
Yes.

00:21:34:03 - 00:21:34:13
Joe Reitzug
Oh my.

00:21:34:13 - 00:21:38:21
Makayla Mast
Gosh. I mean it's a spendy happy hour, but it's a nice time.

00:21:38:23 - 00:21:46:00
Joe Reitzug
The young newlyweds out and about every night. Look at you guys every night. I wish you guys are my heroes.

00:21:46:00 - 00:21:54:20
Makayla Mast
We've been hibernating this week on purpose because my happy thing, something I'm loving, is. I'm so excited for this long weekend.

00:21:54:20 - 00:21:59:00
Joe Reitzug
We have Labor Day weekend. It's beautiful. And we in different levels.

00:21:59:00 - 00:22:12:10
Makayla Mast
Yeah. So we're going to go up north like I mentioned earlier. And we haven't done a vacation, the two of us all summer. So I know I'm going to take the dogs. We're going to spend time on the boat and just do some hiking. Just I'm.

00:22:12:10 - 00:22:12:20
Joe Reitzug
Excited for.

00:22:12:20 - 00:22:14:00
Makayla Mast
Summer stuff, the.

00:22:14:00 - 00:22:20:06
Joe Reitzug
Olympic mountain range that drive up there to Port Angeles is so beautiful. Absolutely gorgeous.

00:22:20:08 - 00:22:28:04
Makayla Mast
Thank you. I'm so excited. Yeah. Take some good wine. Going with some good friends? Why not? That's what I'm loving. It's good.

00:22:28:06 - 00:22:46:05
Joe Reitzug
Well, we hope you folks out there are loving lots of different things. If you have a topic for us to discuss, please do reach out. Feel free to go to our website LivPortland.com and let us know what's on your mind and what you think would be a good topic for us to talk about otherwise. Makayla. Have a wonderful long weekend.

00:22:46:06 - 00:22:50:03
Makayla Mast
Thank you. You as well. All right. Go Beavs. Thanks for listening.

00:22:50:07 - 00:22:50:20
Joe Reitzug
Bye, guys. Go ducks

00:22:51:00 - 00:23:07:02
Makayla Mast
Thanks for joining us today. If you're interested in finding out more about Joe, myself or the LivPortland team, you can go to LivPortland.com. Thanks for giving us a listen and see you next time on the Off the Record podcast.