Mortgage System Problems Today and the Travel Nurse Housing Market With Fred Glick of Arrivva, Feat. Christina Henderson of Reliable Residence

Here’s a glimpse of what you’ll learn: 

• Why today’s mortgage process may be costing you time, money, and opportunities
• The truth behind credit scores and hard inquiries that lenders don’t often reveal
• How “Doctor Loans” are changing the game for medical professionals in hot markets
• Why midterm rentals are changing the game for homeowners and healthcare tenants alike
• Insider insights on non-QM loans for self-employed, commission-heavy, and complex-income borrowers
• What savvy buyers need to know to compete in competitive 2026 housing markets

In this episode with Fred Glick and Christina Henderson

What’s really broken in today’s mortgage industry, and how can buyers navigate it without wasting time or money?
Fred Glick of Arrivva exposes the hidden inefficiencies in loan applications, the truth about credit scores, and why traditional processes may be costing you.

Discover how specialized financing for medical professionals and midterm rental strategies with Christina Henderson of Reliable Residence could reshape the game for buyers and homeowners alike. From non-QM loans for complex incomes to insights on 2026’s hottest markets, this episode dives into the challenges, opportunities, and strategies most buyers aren’t hearing until now.

Resources mentioned in this episode

• Fred Glick on LinkedIn
• Arrivva
• Christina Henderson on LinkedIn
• Reliable Residence
• Reliable Residence on Instagram
• Reliable Residence on TikTok

EPISODE TRANSCRIPT

[00:00:29] Drew Thomas Hendricks: Welcome to We Fixed Real Estate. We got Fred Glick on the show today. We have got two really hot topics. The first one we’re gonna talk about is what is wrong with mortgages and why it’s such a pain in the ass to have those applications. Fred’s got a solution.

[00:00:45] Fred Glick: Oh, yes, I do. Well, sort of I do. I got the solution that’s implementing it.

That’s the problem anyway. If you’ve been searching for a mortgage, either refinancing a purchase or you’re fully underwritten, pre-approval ’cause you know to do that ’cause of us. Let’s say you make an application with the XYZ bank. I think somebody should start the XYZ bank so we have it.

You fill out this form. It is a standard Fannie Mae, Freddie Mac, FHA, and VA-approved form. Everybody does the same exact thing. It gets the same exact data. Your first name, your last name, two years of where you live, two years of employment, your income, your assets, your debts, answers some questions, sign it at the bottom. It’s all the same. ‘ Cause if you go to the YZA bank, you have to fill out the same form. If you come to us in Arrivva, as a broker, we have it online. You fill out the form, it’s the same freaking form.

So the question I ask is, why can’t there be a place where people fill out the form once and then assign it to, let’s say, XYZ bank and YZA bank and Arrivva, because it’s called a right now, a 3.4 MISMO file. MISMO 3.4 file. It’s the same exact thing. I can export your information so I can upload it to a lender. So what’s the big deal people? The second phase of this is why do you have to keep running different credit reports?

Bank one, it’s gonna run their own. And bank two says, “Well, no, we can’t take bank one. We have to do bank two, because you know, it’s, we’re preserving the fact that we did it and we know it’s a real thing.” It’s BS people. The credit reporting agencies want to make money and they charge a lot of money for these credit reports where the data is fed to them from different creditors. From your credit card, your car loan, your mortgage just fed to them.

It’s an API that’s secure. And the credit report is gonna be exactly the same. It’s not gonna change. If you run your credit report three times in a day with a lender, it’s going to be exactly the same, same credit scores, the same balances, the same everything.

And it’s so frustrating, but it’s the credit companies that are holding this up and will probably never see this, but it would be beautiful to have one website where you just make an application, you pay for your credit report, and then you assign it to whomever you’d like, and it could be done. But I call out the mortgage industry and the credit reporting companies for being greedy and stupid. And it is just one of those annoying things. I mean, especially with AI out now, it’s like, hello? It is just insanity, so. One thing about credit scores, this is something, “Oh, I don’t want you to run a hard credit ’cause it’ll hurt ️my credit.” So let’s get down to what it really, really means. Okay. If you’re buying a house. You have a 780 score, you’re unlikely to be going out to buy two brand new cars and, and hundreds of thousands of dollars worth of anything on your credit or applying for 12 new credit cards. That’s when you need your credit score. Think about it, when do you need your credit score? When you’re applying for credit?

credit If you’re If you’re applying for credit for a mortgage, they need to run the hard report because we can’t run the Fannie Mae approval without it. Or an underwriter can’t underwrite your file without it. It’s five points, people. And it comes back in about four to six weeks.

So it is just, that excuse doesn’t work is really the bottom line. Even if you’re applying it with multiple companies in a two-week period, they’re not gonna tag you for every one of those. You might get six points down⬇️ instead of five or something like that, but stop worrying about it. Get the hard inquiries so you can get the real paperwork that you need in order to buy a house.

That’s what it really amounts to.

[00:05:16] Drew Thomas Hendricks: That makes sense. I don’t, is there a CYA factor on there? Like if they’re worried that if they don’t run it every single time, the data might change.

[00:05:28] Fred Glick: I don’t know. Sometimes they will run a new credit report, right when they’re coming close to the close of escrow. Just to see if you took out, say a $50,000 personal loan and somehow you’re gonna use that to buy the house.

So that’s what they’re trying to preserve. ‘Cause they do check where the assets came from. So that’s important.

[00:05:50] Drew Thomas Hendricks: Makes sense. Your solution, having that one single platform would solve that as well.

[00:05:56] Fred Glick: A million percent. And I’m sure in the back of everybody’s mind, in the mortgage industry, they would love it.

Could absolutely love it. ‘Cause it takes time, it takes server space. I mean, you know, your documents are everywhere. You know, you’re spreading ’em around all over the place.

[00:06:14] Drew Thomas Hendricks: Yeah. Security, that’s a, there’s a lot of room for error there.

[00:06:18] Fred Glick: For security wise, if it could be locked down, and I’m sure it can be.

There are enough security experts out there to triple lock this down, it’s time to build it.

[00:06:29] Drew Thomas Hendricks: Yeah.

[00:06:29] Fred Glick: At worst case, let’s build just the mortgage application and we’ll give you the export, and then when you go to another lender, you just give them that exported file with a passcode on it. Something like that.

[00:06:45] Drew Thomas Hendricks: That makes sense. And the different lenders don’t have their own branded applications. It’s the exact same application.

[00:06:50] Fred Glick: The absolutely exact same thing. I mean, put their logo at the top. That’s all they can do to customize it. Because all this data kind of goes in a flow. After you fill it out, it goes into the lender system.

It goes to Fannie Mae’s system. It works seamlessly because you’re just plotting data points. It’s a pretty easy thing to do. And it’s called MISMO, Mortgage Information System Management Organization. I think that’s it. That’s kind of who, it’s a trade organization to help run all this. But we would love to see it.

[00:07:32] Drew Thomas Hendricks: That would be nice to have. Well, we’re on, well we’re on the topic of mortgages and reinventing the mortgage industry, here you’ve got a new, a new product, new offering for people that have the nonqualified.

[00:07:44] Fred Glick: Yeah, I actually have two things. Lemme bring the other thing up.

There were those a hundred percent financing doctor loans that, you know, as a doctor you go out and find these companies and it’s maybe a big bank but not a lot of people have this program. And always when I have it, whoever the doctor is and they’re doing a hundred percent. It’s a great program, but it’s like, “Oh, we take 45 days to go to closing.” And they don’t do fully underwritten pre-approvals, and it’s like, nah.

Well,  I have a lender now that does these doctor loans and will do fully underwritten pre-approval. So if you are a physician, a dentist, there may be even some other people kind of higher up in the medical world that can do this. We can do a hundred percent finance in California, Washington, and get you a fully underwritten pre-approval for it.

So, that’s fabulous.

[00:08:47] Drew Thomas Hendricks: Help me for a second about these doctor loans, it threw me there on.

[00:08:51] Fred Glick: Well, because you’re a doctor and they know you’re gonna be making money, I guess. They’re able to give you a loan at the normal interest rates, but with no, but with no money down and no mortgage insurance. So they’re self-insuring the loans.

So it’s just an easier way for a doctor or a nurse to, or doctor or dentist to get into a property with no money down. You know, it’s good for first time buyers. We’re gonna have another segment on this podcast, with a woman who runs an agency that has visiting nurses and doctors planted all over the place and we’re gonna talk all about how that works.

And if you’re a doctor or a nurse who does this, is traveling doctor or nurse, gives some great information. But if you’re a property owner, this is why you may want to have her connect with you to get people into the house. And she’s gonna describe all that.

​Hey, Christina.

[00:09:57] Christina Henderson: Hey,

[00:09:58] Fred Glick: Okay. First, I thought I’d torture you. I’m in about, eh, 68 degree weather in Palm Spring, California.

[00:10:06] Christina Henderson: That sounds very nice.

[00:10:09] Fred Glick: Yeah, I had to go in and put on long sleeves.

It killed me.

[00:10:13] Christina Henderson: Yeah. Oh my gosh. It is freezing here. I mean, it’s actually warmed up today, but Yeah, it’s been in the twenties every day, so nice and cold.

[00:10:21] Fred Glick: My kids live in Philadelphia, so I know it’s been ugly.

[00:10:27] Christina Henderson: Yep, yep. We are looking forward to spring, but it’s always like super late here, so.

[00:10:33] Fred Glick: Yeah.It’s pretty in the fall or something like that.

[00:10:39] Christina Henderson: Yeah, exactly.

[00:10:41] Fred Glick: I’m the real estate antichrist, in case you haven’t looked me up. I charge a flat fee to do buy, sell and mortgage real estate, and all these two and a half percent people and realtors, which I’m proudly not a member of, hate me, and I talk about them and I expose them. And so…

[00:10:59] Christina Henderson: Yeah.

[00:11:00] Fred Glick: I got, you know, I’m just trying to help people get stuff done and get it done right.

[00:11:05] Christina Henderson: Yeah, exactly. Lots appreciated.

[00:11:07] Fred Glick: Which brings me to this podcast with you because I really wanna try to go out and get people who are making a difference or doing something different and have a brain.

‘Cause my people are like Silicon Valley-ish types or wannabes. So that’s my market. So I want to give ’em good information and if it trickles down, great. So, you know, the whole. I don’t have to tell you. I mean, the whole thing with short-term rentals, long-term rentals, and you’re in the midtown rentals, but I have a friend of mine, they’ve become friends who are, they bought a couple of houses from me. We’re looking at something crazy now, which I love.

So she bought this place in San Diego and the intention was, she found this out somehow. She’s both her and her husband are in the medical field, so they found out about these insurance companies that will lease the house for a year or an agreed rent, they’ll take care of everything. And she said, “This is like gold.” So let’s start there. What do you know about it and what’s the difference between what they do, what you do? I’m sure there’s a big difference, but in general, like they’re guaranteeing a long period of time.

You know, think about what a seller, an owner would think about is kind of the way I’m doing this. So kind of explain to me where you come in and what you do, and. Go.

[00:12:35] Christina Henderson: Yeah. Yeah. So, as the founder of Reliable Residence, we connect all the professionals to furnish monthly housing. So that gets span from healthcare all the way to students relocating families and insurance claims, like you mentioned.

And so occasionally we will get an insurance company that comes in and says they wanna rent a house from a property owner on our website. There has to be a minimum of 30 days on our website. And then those insurance claims are anywhere from, like, if there’s a flood and it’s a quick fix, it’s a month.

Or like you said, sometimes they can be up to a year. If it’s like a house fire, it takes a year to rebuild. So it does vary.

[00:13:16] Fred Glick: Gotcha, gotcha. Yeah. And I mean, they have the money obviously, so that’s not gonna be an issue.

[00:13:22] Christina Henderson: Yeah, exactly. Yeah. They tend to rent pretty nice homes for those families.

[00:13:27] Fred Glick: Nice. So I find your business to be, and I had to write this down ’cause this was so good, the intersection of healthcare, real estate, living in a new place psychiatry and tech. Did I get everything?

[00:13:42] Christina Henderson: Yeah. I would say agreed. It’s a intersection of tech, yeah, housing, healthcare, certainly, students as well, and medical students, vet students. students And then, yeah, I work, I work in healthcare myself, so it’s kind of a, someone who sees the problem, fixes the problem type of thing.

[00:14:01] Fred Glick: But you must, I mean, there’s gotta be incidents where you’ve dealt with things that went wrong. I mean, that’s always the worst case scenario. And you, you can only screen people so far. And you can’t, and you can’t screen their friends. But a tenant is a tenant is a tenant, but at least these people, it sounds like they’re coming in on a mission.

I’m here just to work, you know?

[00:14:26] Christina Henderson: Exactly. Yeah. They’re great tenants because, right, they’re here on assignment. They’re literally here to go to work, so that’s always a good sign. They’re not here to vacation. They’re not here to party. And so they come, they go to their job. Usually 12 hours a day.

‘Cause usually if they’re coming into work, they’re working a lot.

[00:14:44] Fred Glick: Yeah.

[00:14:45] Christina Henderson: And then they’re really tired when we’re, they’re done. So, and they generally either get a housing stipend if they’re nurses or there’s some sort of housing incentivization that makes you feel like there’s a homeowner, you’re gonna get paid rent.

[00:14:59] Fred Glick: Got it. Got it. So let’s say, you know, there’s an area and you had a property and you can only rent it for a month, and the guy kind of, owner wanted to, you know, have continuous ability to rent it for a month, you know, without just advertising, because it’s hard to advertise that too. There’s really no place that’s exact. It’s insane. Hello developers out there. Somebody put together a short term medical, it’s kind of thing that Christine is doing because as an owner, you want it rented all the time. So if there’s some kind of way, you know, to put everybody together, it’s like you guys can work as a coalition per se, that would be really awesome.

I don’t know if that exists, but that’s just coming off my head.

[00:15:53] Christina Henderson: Yeah, no, you’re absolutely right. Yeah, there are people that don’t want it rented all the time, like snowbirds. We have a lot of snowbirds in Wisconsin and I’m not sure if you guys get some, some people throughout the year that they migrate and relocate and they don’t wanna rent it all the time because they go back to their house.

And so that’s a really nice way where now you don’t have to ask the neighbor to watch your house. You don’t have to pay someone to watch your house. You actually get paid to have someone stay in your house, and keep eyes on it while you’re gone.

[00:16:23] Fred Glick: That’s very interesting. That’s awesome. Do you ever have situations where you match people who are looking for housing that either have a pet or an owner that has a pet that needed to be taken care of?

[00:16:37] Christina Henderson: Hmm, that’s a good question. We haven’t done any like pet sitting in exchange for rent, but we do have a lot of tenants that bring their pet to live in the property, whether it’s a room for rent, a basement, or an entire unit. We will see a lot of people that bring pets, like probably around 40% of the tenants on our website.

[00:16:55] Fred Glick: Really? Mostly cats or mostly dogs?

[00:16:59] Christina Henderson: It’s actually, I would say those are 50-50. Yeah. Usually some cats, some dogs.

[00:17:04] Fred Glick: I mean, it’s your baby. You gotta take them, you know?

[00:17:06] Christina Henderson: Yeah, exactly.

[00:17:08] Fred Glick: And it’s new smells. The dogs are thrilled, I’m sure. Yeah, it’s like a blind canvas for them.

[00:17:15] Christina Henderson: Yeah, it’s, yeah. And I get a lot of homeowners that say, “Oh no, I’m worried about the pets.”

The good news, again, with the healthcare travelers is like, very few of them are bringing a pet that’s a really bad pet and is gonna, you know, destroys that.

[00:17:28] Fred Glick: Disturb them in or something. Yeah.

[00:17:30] Christina Henderson: Yeah, because nobody wants to come home from a 12 hour shift and like the dog chewed up someone else’s couch. So it’s really rare that they bring a bad, like a misbehaved pet with them.

So that’s also a perk of this market.

[00:17:43] Fred Glick: Yeah, and I’m sure it’s part of the insurance in some way, shape, or form. Yeah. Interesting. Yeah. What else can you, what else can you tell someone looking for a place, and what you do and all that kinda stuff?

[00:17:59] Christina Henderson: Yeah. So, we’re unique in the sense that we walk through all of our listings currently, actually before they’re posted live to the website.

We hire people throughout the country to help us with that. And that’s because we believe in quality. I’ve personally been catfished at a rental unit before and it sucks. So we don’t want anyone else to go through that. And so it’s very unique to us as a startup.

[00:18:22] Fred Glick: It’s not new, unique to the real estate world, unfortunately.

[00:18:26] Christina Henderson: That’s true.

[00:18:27] Fred Glick: Crazy. But hopefully soon this will all be blockchained and the idiots will be gone. So they’re working on it, but you know, it’s slow moving so far.

[00:18:37] Christina Henderson: Yeah, exactly.

[00:18:38] Fred Glick: Putting all the real estate on the blockchain, I don’t know how it’s going to, how it’s gonna end, but it’s gonna end. Will make life easier and everything’s blockchain and credit reports, everything’s locked in.

It’ll be so much, so much harder to crack it and be, you know. Anyway, anything else you wanna add?

Where can people find you and all that stuff?

[00:19:02] Christina Henderson: Yeah. Yeah. So we will be nationwide, hopefully by summer is our goal. And so we’re just in Wisconsin and Georgia right now, but we’re gonna expand throughout the whole country.

So in the meantime, if you’d like to list with us, we have a wait list that is not actually ranked by order. It’s just more of if you get on the wait list, we tell you when we’re in your area. If we have enough properties to serve the demand of nurses and doctors, we actually don’t need to go to the general public.

So that’s the perk of that wait list.

[00:19:32] Fred Glick: And are you then having, once you clear a person who’s credit worthy and all that stuff, you just turned them over to the seller, right?

[00:19:42] Christina Henderson: We’ll, they’ll create a booking request on our platform, and then yep, the homeowner gets the booking request with the tenant all teed up and they just send in and move in instructions.

[00:19:50] Fred Glick: So, it’s more Airbnb like with qualifications than it is that you’re, you’re not brokering real estate.

[00:19:59] Christina Henderson: Correct, I guess you could think of it as Airbnb for nurses. So if you’re someone who wants to rent a longer Airbnb to professionals and not the general public, then we’re the right platform for you.

[00:20:10] Fred Glick: Gotcha. Perfect. Beautiful. And the website again?

[00:20:14] Christina Henderson: Www.reliableresidence.com. And we’re also on Instagram, reliable_residence. And TikTok, Reliable_Residence.

[00:20:23] Fred Glick: Awesome. Yeah. I see you on TikTok all the time in your scrubs.

[00:20:27] Christina Henderson: Yes. Scrubs.

[00:20:30] Fred Glick: Cool. Well, thank you so much for coming out. Oh, you didn’t go outside.

You’re staying inside smartly.

[00:20:37] Christina Henderson: Inside in Wisconsin.

[00:20:39] Fred Glick: There you go.

[00:20:39] Christina Henderson: Perfect. Okay, thanks again.

[00:20:41] Fred Glick: Alright, thanks Christina. Take care. Cheers. Alright, bye-bye.

[00:20:44] Christina Henderson: Bye.

​

[00:20:50] Fred Glick: Yeah.

There you go. Let’s talk about what they call now non-QM loans, non-qualified mortgages. that used to be called subprime.  

I still kind of refer to it as subprime, having been doing this for many years, but it’s not a loan you can sell to Fannie Mae or Freddie Mac. So here’s the example. You’re self-employed, your net income, after all your expenses, does not qualify you on a two-year average or a mortgage one again.

But the programs out there is, what they do is they take 12 or 24 months personal or business. There’s variations of this. And what they do is they take your gross income and then they come up with a percentage and there’s a calculation that’s made to determine what your income is. And then it becomes a fully documented income, but just kind of in a different way. So let me give you a quick example. I’ve had a couple of customers, recently, who’ve gone to these guys who you know are doing these non-QM bank statement loans. They’re telling me, “Oh, well we can’t give you a mortgage approval for 10 days and we can’t close until 21 days.”

I mean, it’s just awful. And they’re going to these old school companies that do it. Every one of these companies basically sell to everybody who has these mortgage backed securities for this stuff. So it doesn’t really matter who you go to. What we’re able to do is now get a fully underwritten mortgage preapproval for a non-QM loan.

[00:22:43] Drew Thomas Hendricks: Wow.

[00:22:44] Fred Glick: Whereas before, I’d have to put preapproved, not fully underwritten pre-approved, which has to go on the California contract. And you are more apt to be able to get under contract because you’re fully underwritten pre-approved and it’s done. It’s fantastic. So this is for the non-QM loans or someone.

This is what they list: self-employed, commission heavy, multiple businesses, big asset, irregular income, real estate investor with complex portfolios, recent life changes or tax strategies and the type of loans, I said the bank statement, what they call the DSCR investor loans, Debt Service Coverage Ratio, has to do with your buying investment property. Asset depletion, let’s say you’re retired and you’re just taking X a month. There’s a way for them to calculate that. There’s foreign national loans. There’s recent credit event loans, you’re putting enough down. There’s some mixed variable income.

It’s just all the stuff that doesn’t fit in, you know? Whatever you want to call these, but if you have these kind of loans now, now we can finally get them fully underwritten pre-approved. I think we have the best lineup of any broker, not only the programs that we have, but how we’re able to deliver them by getting everybody with a fully underwritten preapproval that’s conforming jumbo. And now the non-QMs. Everybody should get fully underwritten. So that’s kind of the story with that.

[00:24:30] Drew Thomas Hendricks: That’s a great product, especially like in the California tech industry and also the California entertainment industry where you could be very wealthy.

[00:24:37] Fred Glick: Oh yeah.

[00:24:37] Drew Thomas Hendricks: And maybe do six concerts a year and you’re making millions, but you go months without actually getting a residual off the money? Or industry with RSUs, Restricted Stock. Yeah.

[00:24:51] Fred Glick: If you have bonuses, if you have a one year RSUs, I have a lender that will take it. If you’re putting 30% down, they don’t do fully underwritten approvals but that particular lender, but different ones do so we can put it through and get it pre-approved.

We’ll be able to calculate the income pretty quickly. Pretty easy.

[00:25:12] Drew Thomas Hendricks: Back to those doctor loans. So say you’ve just graduated, you’re finished your residency, you got a brand new position, you’re an anesthesiologist. Your income’s now $500,000 a year, but you’ve only been in, you’ve only been earning it for two, three months.

This would be a, would they go to the doctor or they do

[00:25:28] Fred Glick: With no money, if you have no money down, sure. But if you’re putting 30% down, you still qualify for a mortgage. Because your work history counts, your history with your schooling.

[00:25:42] Drew Thomas Hendricks: Ah.

[00:25:42] Fred Glick: Schooling counts as work history. So then it’s just an income calculation.

[00:25:47] Drew Thomas Hendricks: Okay. I learned something there.

[00:25:50] Fred Glick: There you go. But it’s the no money down thing, or very low down and, you know, so it’s, it’s pretty cool.

[00:25:57] Drew Thomas Hendricks: Sounds good. So what’s the latest market environment? We’re recording this thing right after Super Bowl. Historically, this is when everything heats up. But as you’ve been listening to the show, you know that we had an early spring.

It’s been bonkers in California.

[00:26:13] Fred Glick: It still is. It’s got more bunkers. I’m dealing with a house in Anaheim. It’s like 900,000 and it, it’s just off the charts. How many people are gonna bid on that thing. And it’s not that nice even, but it’s in a good school district. Hello. Remember what I said? Yeah, it’s just nuts again.

I mean, Northern California, Southern California, you know, all the hotspots, all the good school districts. It’s just cuckoo for Cocoa Puffs and San Francisco, anywhere in San Francisco.

[00:26:48] Drew Thomas Hendricks: Yeah, I can imagine that. What about some of the other areas like Texas and Washington that you’re licensed in?

[00:26:55] Fred Glick: Washington, and again, it’s good school districts has been busy, but there’s deals here and there.

Also, I have these buyers who are in like the six to 800,000 range. They’re getting beat up on every deal. Multiple bids, cash deals. I mean, because there’s more people able to buy at 600,000 than there is at 3 million, obviously. But the pretty house in Bellevue is still gonna fly off the shelf at a tremendous number.

So with all the layoffs, there’s still enough going on. You know, there’s a few less buyers, but there’s still plenty of buyers and some of the sellers have to sell and they sell. So kind of it.

[00:27:42] Drew Thomas Hendricks: Yeah, just even with layoffs, I mean, people are layoffs, often people get rehired and they might get rehired.

[00:27:49] Fred Glick: Exactly.

[00:27:50] Drew Thomas Hendricks: So it’s not like they are homeless ’cause they got laid off. These layoffs are spurring this transition period where people are jumbling up, where they’re gonna live, which is triggering more and more sales.

[00:28:02] Fred Glick: Sure.

[00:28:02] Drew Thomas Hendricks: And purchases.

[00:28:04] Fred Glick: I have a couple people moving from Seattle to California, one to San Diego, one to San Francisco.

[00:28:10] Drew Thomas Hendricks: Hmm.

[00:28:11] Fred Glick: See, just don’t know. Unfortunately, I can’t track everybody and just kind of going off of what I know, but yeah, it’s busy out there.

[00:28:21] Drew Thomas Hendricks: Good to know. So if you’re looking for a house, don’t hesitate.

[00:28:26] Fred Glick: Yep. Or wait till August when the stuff that’s been on the market for five months, it’s overpriced and nobody’s out there and you can low ball them.

Who knows? I mean, it’s crazy.

[00:28:38] Drew Thomas Hendricks: It’s hard to time that. I mean, wait till August, you’re, it is assuming that you’re gonna find a house that you like, but you’re looking…

[00:28:45] Fred Glick: Exactly.

[00:28:46] Drew Thomas Hendricks: Bit on the market and now you’re just looking for a discount home. If you find the right home, you’re better off snapping it up.

[00:28:52] Fred Glick: Right. It’s like trying to time the stock market, you know? You’re never gonna catch the bottom at the right time, but, you know, Bay Area and Silicon Valley especially, it ain’t going anywhere, as they would say, so.

Continues to grow.

[00:29:13] Drew Thomas Hendricks: Well, it’s good to see San Francisco starting to turn towards vibrancy again.

Now from COVID on, there was a little bit of a down downstream.

[00:29:24] Fred Glick: Yeah, it was not pretty, but it’s all back now. So.

Hey, you got nothing more to, to deal with. You got nothing more to deal with. So go enjoy your winter.

[00:29:38] Drew Thomas Hendricks: And if you’re interested in starting a new mortgage venture, hit Fred up. Maybe you guys can build a mortgage empire of single application. There you go. Single credit reports.

[00:29:49] Fred Glick: It’d be a beautiful thing, as they would say.