The Carolina Contractor Show
The Carolina Contractor Show
Unlocking Homeownership: Creative Strategies and Tips for First-Time Buyers
Join us on the Carolina Contractor Show as we navigate the tumultuous world of home construction and ownership. We set the stage for a deep dive into the challenges facing today's housing market, where rising house prices and limited inventory are creating unique hurdles for prospective buyers. From DIY renovations to selling a self-built home, we share personal stories and valuable insights that highlight the importance of making informed decisions in a fluctuating market.
As the conversation unfolds, we explore creative strategies that may just turn the tide for young adults aspiring to own a home. We discuss innovative ideas like investing in land for future development or considering vacant commercial properties as potential living spaces. With advice on budgeting, financial discipline, and the potential benefits of tax incentives and special loan programs, this episode is packed with actionable tips to help you navigate the complexities of today's economic landscape. Whether you're a seasoned homeowner or stepping into the market for the first time, these savvy strategies could be the key to unlocking your homeownership dreams.
Welcome to the Carolina Contractor Show with your host, general Contractor Donnie Blanchard. Carolina Contractor Show really great show, great people, fantastic hosts, eric and Donnie. Important question, donnie, before we start the show who do you have winning the Super Bowl? We're going to revisit this real quick.
Speaker 2:I think in the beginning of the season you caught me off guard and I picked the Philadelphia Eagles, and so they had some ups and downs this year, but they're still in it surprisingly. So I think I'm just going to stick with my initial bet and leave the dance with who I brought Okay.
Speaker 1:I think that's really good and I think that's not a bad choice. I picked the chiefs. I might be biased, but they're in it too In it as of the moment we've done the show. I mean, things can change quickly, but we made these predictions preseason, so no one can say well, why did you wait till January to make a prediction who's going to be in the Superbowl, when you knew who the playoff teams were in the Super Bowl, when you knew who the playoff teams were? Nope, we don't play that way. We put our gut into it and we have a gentleman's bet no money. We just get to mock the other person for a year, unless one of our teams don't win, which I don't know what we're going to do with that.
Speaker 2:Yeah, I think that we hit three out of four, so San Francisco 49ers are the only ones that didn't make it. But Baltimore, kansas city, philadelphia, let's go.
Speaker 1:Yeah, it's going to be good. Always love football. It's the best time of the year, all right. Now back to the real thing. Uh, you heard that guy start off the show. It's the Carolina contractor show. We'd like to talk about your house. We talk football because it's topical and and you're probably into football too if you're listening to our show but basically we talk building and construction and renovations and DIY projects and house flipping and all sorts of stuff like that.
Speaker 1:If you hit the website, thecarolinacontractorcom, you can find links to past shows. You can download them in podcast form. We've also got our social media IG and Facebook and all that stuff and YouTube and, as I've mentioned before, if you go to the YouTube site, it's a chance to say hey, I want to connect those voices to something visual. Well, to keep all the women at bay cause we're we both we're not available. Sorry, ladies, we use filters which make us look older than we really are, but in truth, donnie and I are as close as you're going to find to a Greek God. So when you go to the website, just remember we have filters on, so we look like a contractor and a builder.
Speaker 1:I guess I should say who I am. I don't think I've done that, donnie. My name's Eric Smith. I work in home builders supply in Wilson, greenville. Donnie is a general contractor, owns Sure Top Roofing, owns Blanchard Building Company and, as a general contractor, owns Sure Top Roofing, owns Blanchard Building Company and as a general contractor, he's really the boots on the ground of the construction world. I deal in the safe confines of an office for the most part selling supplies.
Speaker 1:Now, me and Donnie don't do business together, but it gives you an idea how we work together, in the sense that I know one side of the business is very important, especially dealing with customers. In the sense that I know one side of the business that's very important, especially dealing with customers. Donnie deals with customers and contractors and subs and a whole lot of stuff. So we just talk about things that we know about and that's what we do every week on the show and if you have a question about your house you can click the Ask the Contractor button. It goes to. Donnie answers those questions. Sometimes we do them on the show, other times we do those questions as an entire show. Not going to be doing that today. We're going to be talking about trying to buy a house, especially if you're in the younger skew, but anybody's affected about buying a house because you, donnie, like me, are probably locked in at a pretty sweet rate.
Speaker 2:Yeah, I got a really good rate and I would be foolish to sell. But, that being said, I've got a lot of sentimental value. I built my house with my own two hands. I designed it, drew the blueprints. I spent a mini, a night here with a heater, a radio and a can of Iannowini's just you know, getting working through the night man and um, anyway, it was uh, it was. It was fun. It took me about 14 months to build the house, but I saved a lot of money and my kids have spent just about every Christmas in the house that I'm in. Good interest rate paid way down. I still owe a little bit on it, but yeah, I don't think it would make sense for me to sell until my family gets a lot smaller. Kids move out, get on their own.
Speaker 1:And in my case, same thing and also would rather reinvest money to upgrade the house than I would to want to sell it and move somewhere else. Because, again, interest rates do play a part in this. And if you're in the younger generations, I have a niece and her husband and her just bought a house and they have a growing family and it's not impossible, but it is hard to buy a house and so we're going to go over some of those things today and we also we're probably going to try to get a lender on sometime and do a show with a mortgage lender who really can help people figure out. How hard do I really need to have 20% cash down? Oh, it's impossible to buy a good house today. Where should I live? They give information that the average person won't know. So we're not going to pretend we're lenders.
Speaker 1:So we might talk about interest rates, but I think, from my experience of talking to younger generation about buying a house, their biggest problem, donnie, is they have big eyes that are bigger than their bank account and they want like their forever home. I have an idea of a beachfront house. It's a just steps off the ocean and it has eight bedrooms and six baths or maybe even their dream house, isn't that expansive, but it's still maybe something in the future. They need to start off with a starter house, so to speak Absolutely.
Speaker 2:I think the internet and DIY shows on TV are to blame a lot for that. You know, these people get ideas off of Pinterest and they shop around and what you just said. Their eyes are bigger than their pocketbook and that's a real thing. Because they want all the bells and whistles and they don't realize that. You know, a starter home is about the only thing realistic for them when they're in a starter job.
Speaker 1:Yeah, and we'll go over the definition of starter home and what that is, because that phrase is thrown around a lot. I do want to give some fun facts. Maybe they're not fun. Some people think if I don't have a degree and a good job and earn this amount, I'm not going to be able to get a house ever. Not necessarily true.
Speaker 1:The average income of a college grad is $77,636. That's with a bachelor's degree. A high school diploma gets you, at about the same age, $42,500. Now, right off the bat you can see there's a big financial advantage to that degree. But the average debt of a college graduate with that bachelor's in the USS is $29,300. For someone in North Carolina it's really high. The average college tuition student loan debt, I should say, in North Carolina is $38,695. So if you're buying a house and you have that degree, your salary might be $30,000 more, but your debt is almost $40,000 right off the bat. So a person who has a trade job, which we're big fans of, might actually have a better advantage to get a house, especially if they save because they're not having to pay off a debt load right out of school.
Speaker 2:Not to mention if they were smart and stayed at home their first four years out of high school. They may be making less money and of course that was just averages that you threw out there but they may make less money but they've had four years to accumulate a lot more for a down payment and so forth. And I just think that of course we'll get into that with the mortgage lender next week, but that makes life a lot easier when you can come up with that down payment because you really don't have any expenses except for food and gas. And I just think it makes sense. And I'm a big proponent of trade schools, like you mentioned, we've done several programs where we covered all the pros and cons of trade school versus high school, versus college. And unless there's a specific trade that your college specializes in and everybody goes to NC State for engineering or something like that, if you don't come away with any kind of skill set that you can actually apply in a job in year one, then I don't know if I agree with it.
Speaker 2:I listen to a psychologist all the time and this guy he's great, but he always says that college is just pleasure island for teenagers. For four years he takes it a step further in saying that young men. It handicaps those guys because they don't have to say what they're going to do for finite answer and, in all fairness, not everybody knows what they're going to do when they're 20, 21. But at the same time, I just think that it's a very expensive thing to come out of college with a lot of debt and a very important point in your life, and those four years between 18 and 22 are super critical.
Speaker 1:We're going to talk about this in a little bit more detail, but I think it's a two-pronged approach. If you're a young kid or if you're a parent and you've got kids that are even in middle school, it's never too early to start setting their mind of what they would like to have in life, not only just a job. But we never talk to our kids about a house. They need a mindset for what they would like to get and they can't start too early. And the reason I say middle school is because middle school leads to high school. Good grades in high school, very good grades in high school, as a matter of fact lead to scholarships, so you can still go to school and not pay a lot. We instill that in our three kids.
Speaker 1:My son right now is in college. I'm not going to name the college. It's an all men's college, so there's only a few in the U? S. You could probably figure it out. But he worked really hard in high school and he got his associate's degree in high school and he got almost a quarter of a million dollars from this school that he attends in scholarship money. So he's going to have almost no debt and he's not going just for fun or using a useless degree. He wants to work in something environmental, environmental biology, something that you can't trade school for, but he knows what he wants to do and he knows what he wants.
Speaker 2:So it's a good time to start, I think it's exactly the opposite of what I just said in Zach's situation. Quick question Does he even realize how big of a deal that is?
Speaker 1:That's funny. You say that, donnie, because my wife and I, kim, have tried to convince him he did an amazing thing and it's slowly registering. But if you told him his first semester in college, we were blown away straight A's. The only thing he didn't get an A in was chemistry, and that's basically because he had to teach chemistry 101 college level himself to himself and he still got a C plus in it. Um, but he, he doesn't. He doesn't realize it till his peers talk to him and realize oh, I actually did pretty amazing here, but yes, he did. We're parents, we don't mean much. Our opinion doesn't mean much sometimes to our kids.
Speaker 2:Biggest takeaway there is how much he took after his mother.
Speaker 1:I'm not going to deny that she's the smart one my wife's multiple degrees, master's, and she also not to go too far off the rails here, she took a finance course through Campbell University and got certified to teach it in high school. So she did basically home ec, ec budget, how to manage your money. They're bringing that back to schools. By the way, Her first year was last year. All of her students passed it. She got recognized for it, but she's got a certification now on that. So she's the brains.
Speaker 1:I'm the beauty. We all have our gifts. We just need to embrace whichever one they are. But, nice, she got from him. The beauty. We all have our gifts. We just need to embrace whichever one they are. But she got from him.
Speaker 1:Okay, let's go back to this topic. Back to the subject yeah, Starter house. I want to talk what the quick definition of a starter home is. It's a house in the lower third of a home value in a given region and the US average, according to Zillow, is $196,000. Let's just say $200,000 for a starter home. That's an amazingly large amount of money. A mortgage on that 30-year with the current rates at about 7% or so, that's about $1,350 a month. That's for a small house and I'm paying less than that a month for a big house. So having that low interest rate locked in really helps a lot.
Speaker 1:The other thing you're going to have to think about if you want to get a house is it's okay to get a starter home. That's why they call it that it's not to be. Your long-term house is what your debt to income ratio needs to be. A lot of lenders again we'll have a pro on in the very near future say 25, 28% of your monthly gross income is preferred, but some people are it's 45% and that's considered not unusual and that kind of.
Speaker 1:I don't know. That's a. That's a huge amount of your money going to your house payment Remember your mortgage payment, isn't it? You're going to have utilities and taxes, escrow things like that. So, um, you can be a. Was it a? House rich, cash poor yeah, that's kind of scary. So I did have some things I want to talk about with lending, but I don't know if I wanted to get into that, since we were going to get a pro on. So let's go somewhere where the big question is that you might be able to help. Donnie, how do we get in this place where buying a house seems impossible. Is it one thing or multiple things?
Speaker 2:Yeah, I think that it's the perfect storm and it all just kind of happened at the same time. So big thing is higher house prices. My house jumped up in value what? $200,000 since the pandemic and the cost of everything has gone up. You know, you, you think about, uh, the next part of that is is uh, inventory. We still don't have the house, the small, especially the small houses out there to uh support all the influx we have here in North Carolina. We, we set up, you know, six months ago how North Carolina is the third most influx state in the country and, uh, we're behind Florida and Texas. And aside from that, everybody wants to come here. On top of that, where I am, uh, right here west of Raleigh, where the corridor of 40 and 85 emerged between Greensboro and Hillsboro, it just tons and tons of businesses are coming here and I mean there's construction going everywhere, not only the workers, uh, construction workers, but the future employees. Everybody's got to find a place to live. So I just think that the inventory shortage has a big thing to do with that.
Speaker 2:You know, student loan, debt it costs more than ever to go to college. Now the tuition, it's just silly. It's about five times what it used to be when I went to college, and maybe that's normal, but it just, it just seems like a lot when you, when you see just how much these colleges are charging and I think that a lot of those are taking advantage of every grant program in the book and you think about when you get a starter job, that's the lowest income you're probably going to have in your career. So that, coupled with all those things, it's just, it's not a good situation. The lender lending guidelines you know post 2008,.
Speaker 2:Everybody had to crack down on the criteria to give a loan to a young person. So you got that and you know, I just think that this isn't on the hard list. But inflation. You got to think about how much it costs for insurance, gas, groceries and just the cost of living, and that's got to come into play. When it used to cost what $1,200, $1,500 a month for just living expenses, you know that's gone up by at least 50% and I just don't like the odds for the young folks. What's your take on it?
Speaker 1:Well, the inflation up like a rocket, down like a feather. It's not going to abate quickly and inflation is tied a lot to government spending. And so if Trump, getting in office, can get the doge or as were, back to where they were around COVID, the shortage would just take off again because of supply and demand. People will be buying it or trying to buy and trying to build, and they couldn't keep up. But there's no one quick fix and I don't have a magic wand description that would say, hey, this is what caused all this. I think there is.
Speaker 1:People need to be honest with their priorities, though I think there's a lot of people that say I can't afford a house. But if you went through a finance course, say like my wife teaches or Dave Ramsey or something, and you were honest, you would go yeah, I can't believe this, but I found $385 more a month that I was peeing away on little stuff. Or well, I want to get a house but that car has a sunroof. Or I know I have nine guitars, but that custom strat's pretty cool, I want that with my coffee. So there's a reality of you've got to get into a budget if you want extra stuff that has to go on top of that house payment, car payment, your leisure activities, and I think that's a big wake up call.
Speaker 2:It was for me. I remember when I got out of college and I lived in an apartment and I remember I needed a set of tires, and tires back then were 400 bucks, 500 bucks for a set of tires, and I think that's the last thing I ever borrowed from my dad no-transcript and and he still had a pretty darn good life on top of that and I thought I got a long way to go. So that was my wake up call and I I agree wholeheartedly. It's just, uh, these kids have to make better decisions with their money and and unfortunately they just don't, just don't have the capacity to do that. They just came from mom and dad's dime in most cases and until they have to go through about two hard years, and it's just, it's hard to say that.
Speaker 2:And, like I mentioned, with the inventory shortage, everybody not everybody, a lot of the population bought houses during COVID and that was right, they were smart, that was right before the cost of everything shot through the roof with the lumber price increases and so forth, but not only that. Like you mentioned before, nobody that has a good low interest rate from five, six, eight years ago is going to sell right now, because you know you wouldn't even make a lateral move, at best You'd have to go backwards and I don't, I don't know. Uh, it's just, it's not a great scenario and I know we're going to get to some strategy here, but um, it's, it's the perfect storm. I think that if any of these areas could ease up a little, it may make things easier for the young folks.
Speaker 1:Yeah, I think and let's be honest, we were fortunate in our time frame of growing up, donnie we kind of could have it all. We could have the car and the house payment and those extra things. Right now it's temporary, we're hoping, but you can't get all those great things, so you got to make that priority. We mentioned President Trump earlier. In a new administration he gets sworn in. After the inauguration there's a new phrase coming out Trump effect and we think there's some things that could happen with housing with the Trump effect Lower interest rates, as we've just mentioned multiple times in the show.
Speaker 1:Tax incentives Right, he could ask Congress to develop some sort of tax incentive or incentives plural that people could have that would help them get into a house. Special loan programs as I said, overspending is the biggest problem, but I mean, I think I'm not saying the government needs to pay for your house, but they should lower your taxes or give you a break in some way if it helps you get into a house, and I think Trump would be a big fan of that, wouldn't you agree?
Speaker 2:I do. I think that that might be the only short-term solution, because he's not going to fix inflation overnight, he's not going to fix the inventory problem overnight. He obviously can't just pay college grads more and force companies to come out of pocket an extra 10 grand a year per person. I mean there's so many things that are long term to solve this, but I think in the short term, exactly what you said getting the interest rate down, that's a biggie. I mean, that's probably the biggest because it could drop somebody's house payment. You know, five, six, eight hundred dollars a month on even a starter house and tax incentive on the backside of that.
Speaker 2:These young folks don't know about taxes yet, but anyway it may. It may shape what they do at the voting booth. It did me and I don't. I don't think the taxes are bad, but but I do think that we pay way too much, and especially being a self-employed person. I do think that we pay way too much and especially being a self-employed person, not very fair on that end. But you know the tax incentives and lowering that interest rate, if there's a special first time buyer program and I do think that there are a couple of those that if we get the mortgage guy on next week that he's so well versed in, that there are some things in place now, and so that that can only get better. All right, this is.
Speaker 1:Carolina Contractor Show now, and so that can only get better. All right, this is Carolina Contractor Show and we're talking about how hard it is to buy a house, especially younger generation. And what Donnie was referring to is we're going to get a mortgage or a lending expert on the show next week to talk in part of the process of buying a house that we just don't know enough about. But let's kind of refocus, donnie. Instead of trying to tell people how do you buy an existing house? A few minutes ago I was talking about if you're in middle school or high school or you have kids in that age, you can start help them focus on how to get a house in the future. But there's maybe a non-traditional way you talked about. Even buying land is a great way to kind of avoid the prebuilt house that you're trying to buy is maybe start thinking before the house is even on the land. Let's get some land for ourself. Is that a good option? It?
Speaker 2:is, and I'm going to talk to the people who have a good living situation right now. So if you have a supportive parent and you can hang out at your parents' place for a year or two extra, or maybe even a little bit longer, you know, land's not a bad idea. My fiance's daughter she's 22 and fresh out of college has a great job, but it is an entry-level job and the thought of her having to come up with $1,800 to $2,000 a month to buy a starter house, it just doesn't make sense. And she sends us links from Zillow all the time hey, check this out, check this one out. And of course I always look at the location, I look at the size and she's sending us thousand square foot plans for $270,000. And it crushes me as a builder to know what I could build that house for if she had a piece of land. So I think land is the way to go. And I'll take that a step further and say in that if you could find a piece of land, whether it be an acre to five acres, and you could put a much smaller down payment on that land than you could on an entire house, and then when you get that land, this is where the planning comes in, because you could put either a starter home on that, and that would just be for you, which isn't a bad investment idea. But you could put either a starter home on that, and that would just be for you, which isn't a bad investment idea. But you could also look a little further, because duplexes and triplexes, you know you're paying by the square foot. So even a duplex it, because it's two units, it's not going to cost any more by the square foot. Well, maybe a little bit more, cause you got two water heaters and, um, you know, two HVAC systems, but it's not exponentially more. There's only a handful of things that you have to pay double. And what that could do is, uh, you could put someone in the unit next door to you that could pay the rent for the next door unit and pay the mortgage loan for the whole thing. And you know, I skipped a step the the land. If you could get the land paid for in just a few short years and we're able to have a good living situation that allowed you to do that you could use that paid for land as collateral, you know, to do the construction loan.
Speaker 2:So, um, I say all that to say that young people are going to have to get more, uh, creative than ever. And I even had the thought of, um, if you live in an area with like a downtown portion of where you know where we live the all the shopping and restaurants have migrated to the Western part of the County. So we have a downtown area. That's really nice and the the you know the city's put a lot of money into it to maintain it. So it's not a bad area or anything. But there are a lot of vacant commercial properties. You know, look, look or try to make connections and there are a lot of older folks who have plenty of money who are pulling for the younger generation. You may find someone who has a commercial property who would be willing to owner finance that or sell it to you in some form or fashion with creative financing, and you could put a little money into that, remodel the upstairs, live upstairs and rent the downstairs out to a commercial business. And you know the rent for a commercial business, even in a slower downtown area, is going to be more than what would be for, you know, that duplex or that residential, um, that residential unit. So that that's one idea.
Speaker 2:I missed out on a heck of an opportunity in Mebane when I was in my mid twenties and the lady wanted I don't know, 60, $70,000 for it, and I had little children and I said there's no way possible I could do that. And this predatory how do you say that? What's the right word for that? These people who come in and scoop up commercial properties for peanuts oh, jerk balls, yeah, something like that. And the guy came in and I think he bought it for about 30 some thousand and she was just ready to get rid of it because it was a headache I could have. I could have negotiated a little bit better and got that property cheaper. When I say it it hurts my stomach to ride by there. Now there it's. It's completely occupied. Five different uh units are rented out. The upstairs would have been a beautiful dance studio that I could have rented out, you know, in a prospering, growing town, and I missed out on that.
Speaker 2:But I said the commercial idea just because that's always, that's always in the cards and you know that could set you up for a long-term investment, which is a great thing. The next thing I'll say strategy wise and I had this idea a long time ago and then kids happen. But I was going to start something called expandable blueprints and I don't think that there's anything online like that still. But I had an idea to sell a house plan and a you know phase one, two, three, four. Phase one being you know something with a very attractive front elevation and having, you know, headers in the walls where you could actually do the breakthrough to an addition. And having phase two where you could add to the sides or the back or just different things structurally that would support it for the roof line that piggybacked over on the other rafters that were existing, and just having something that worked structurally for a young couple that could build phase one when they could afford it, build phase two, three and so on to four. So, you know, something like that wouldn't be a bad idea and any architect is capable of doing that.
Speaker 2:Gosh, if somebody wanted to do that, you know, I would be willing to draw those house plans up for them.
Speaker 2:But that was my big idea and I thought about coming up with about 20, 30 plans, putting those online and just seeing what happened. But I still think that's a good idea regardless, if I ever make a website to do that and um, I think the fourth point that I wanted to make and I pulled all these are out of my brain. None of this is isn't off of something I read on Google. But uh, get your kids and I'm against credit cards, but they do have prepaid credit cards where you could put 500 or a thousand dollars and it counts just like a credit card in terms of building your credit score when your children turn 18, go ahead and if they're going to spend gas money, food money and you're going to help them out, go ahead and get them a prepaid credit card so they can build a credit score, because if they have four years of that and they never have a ding on their credit or anything, I can't tell you how valuable that is to have a good credit score coming into 22, 23 years old.
Speaker 1:So just an easy way to plan ahead, yeah, and you just teach them to be careful with it, Say, just go out and fill up your tank with 25 bucks of gas and pay it off, and then go to the movies next month and you know after four years well, seriously, after four years you got 50 months of credit history and a great record. They're going to just see that you did use it and you did pay it and you don't have any dings and it's automatically going to go up. Don't go with. Be aware of the credit fixers though, that say, oh, we'll repair your credit for a thousand bucks. Usually you just end up out of a thousand bucks and and they've kind of done something, maybe underhanded to you. I do want to also add, like I said, my niece and her husband worked really hard and they got themselves their house and they have three kids, a baby also just born at the very end of the year they get the right off the whole 2024, and their baby was born on the 30th. But they found out after years of saying we can't get a house, they found out they could when they asked a realtor and the realtor said, oh, that's all lies about that part, or that's not true, or that's true, but here's what we're going to do. And it wasn't but three months later they got their house.
Speaker 1:So you need to ask people in the business realtors, lenders what can I do to get this house? Because the news makes it sound impossible. So if you have a budget, you're realistic and you talk to people who know something about it, you can get a house. And 7% is not a horrible thing. Please don't say 7%. Mortgage is horrible. When you have a credit card with 2,500 bucks on it at 29.99%, you're going. Well, that 7% for a house is crazy. No charging coffee on a credit card and paying 30% is what's nuts. But you have a connection with a mortgage lender. So next week we need to get them on so they can go in some detail and help people realize, especially the younger generation, a house is not out of reach. You just need to get some knowledge.
Speaker 2:Yeah, absolutely, and be creative and be aggressive, all the things. Houses aren't going to fall in your lap like they used to. You're not just going to drive down the street and see a for sale sign, make a call, do the deal and you're all set. It's a different time, different day and time and you know, you young people, there's an opportunity out there to learn a lot and we're here to help. You can hit us up through the website thecarolinacontractorcom. Click the Ask the Contractor button. That will send a direct email to us, and whether you're Raleigh area, burlington area, I have an amazing connection with real estate agents and mortgage lenders and it's taken me a long time to build these relationships, but I'm happy to pass those contacts on to you guys, so reach out anytime. Yep you.
Speaker 1:Eastern 95ers. You cool people know that barbecue should be vinegar based. I know some realtors in Nashville, wilson County. Same type of thing legit people who will just do anything they can to help you get a house. So we're in it for the younger generation, because our kids are that younger generation. So tune in. Next time we're going to have a real knowledgeable person on tell us about mortgage lending and what you need to do if you're in the market for a house, and you don't have to be young, you can be our age If you're looking for a house. You might have questions and again, hit the website thecarolinacontractorcom. Again, thanks for checking us out, check out social media, check us out on YouTube and we hope to see and you hear us next week on the Carolina Contractor Show.
Speaker 2:Thanks everybody.
Speaker 1:Make America great again and visit thecarolinacontractorcom. The Carolina Contractor Show Great people Eric and Donnie, good ideas, big fan, really great guys.