Help Me With Sign Idaho Banking Job Offer

Help me with industry sign banking idaho job offer

uh you know the holidays the snow the lights the good feeling in the air uh and with that i want to bring in one of our wonderful uh um sponsors u.s bank you have stepped up this morning judd patterson i want to welcome you in and give you a little minute to say a few words to us perfect well thank you mary and appreciate uh the opportunity to speak today you know we have been a sponsor for years and look forward to continuing to you know sponsor your events and really support the realtor community throughout idaho um you know i think it was a good timing for this webinar looking forward to hearing nobody speak and you know to tie in the technology aspect just a little bit we were excited to see an article that came out from kiplinger on november 23rd that you know named u.s bank the best mortgage lender for ages 18 to 34 and a lot of that is you know due to the technology aspect of where we've come with the you know not only taking the application you know trying to streamline the process to provide a great customer experience but also since we service our loans you know after we close the loan it's important and we're recognized on our you know app for the mortgage um you know you can pull your statements you can you know get the alerts for tax documents you can play with uh you know paying down extra on the mortgage to create more equity or even you know pay it off early so you know i i think that ties in well um with support you know our loan portal and then just to feature you know a couple of products um that we specialize in um you know in addition to conventional fha va idaho housing we also have some great portfolio products like our lot loan which we can do with you know as little as 20 to 25 down on five acres or less we have american dream loan with three percent down where we provide a second mortgage with zero interest and zero payment um of uh i'm sorry a second mortgage up to 5500 to help with down payment and closing costs or possibly even some small repairs for that first time home buyer and then lastly our construction a firm product i think you know a lot of you have heard of that it's it's a great product out there and we've continued you know throughout 2020 to continue our jumbo product so you know keep us in mind we appreciate the sponsorship we have over 30 mortgage loan officers you know spread out throughout idaho so if you have questions you know reach out to myself or you know any loan officer within your community and you know we'd uh love to help you out that's all i have happy holidays and just have a safe healthy successful 2021 thank you judd thank you that was so well done i think uh i think it's key that we've all had to sort of shift and for those of us who you know online apps that has made all of all the difference so thank you for your service to uh to our clients uh and uh we just appreciate you being here and being a supporter of idaho realtors uh it means the world to us so thank you wonderful wonderful well without further ado um we have a full house today and i am so thrilled to uh to welcome in uh our our next guest uh i think as i'm you know reading over some of his his resume i think uh that uh um i have been in the audience and listened to nobu you know when when he's talking about just real estate he's got a background in from 1996 i believe um talking about tech talking about what's coming talking about how we are prepared or aren't uh it has it has impacted my business and the way that i go about it and for those of you who haven't heard uh which i can't believe there's anybody here that hasn't heard nobu yet um you're in for a super super good treat it's just fantastic that you're here um nobu is now the ceo of the denver metro association of realtors which uh nobu as i invite you in kind of tell us a little bit about that tell us about your journey and and then i'm just going to turn the time over because i know there are some excited realtors to hear what you have to say today it's good to be back in in idaho again even though randomly abby parsons from washington is is here oh yeah yeah people are going to sneak in but uh yeah it's good to be back yeah i um right before all this covid mess started uh you know i'm one of those like uh it was meant to be i gotta act on it kind of thing and uh for whatever reason last couple last year i was in in the denver area in colorado a dozen times uh six times in in denver in june alone last year um i love it here i grew up in alaska i don't know if any of you guys know that so this does this reminds me of home my wife visited during my last trips and it was one of those things where like hey you know something ever happened here maybe we'd we'd do it um you know chicago is is kind of a mess um nar can only do so much um and i frankly i got kind of tired of of just talking and um and and covering foreignization that that is still kind of evolving right and uh anytime i can get closer to the street it was going to be more fun to me i left nar in in in january i had a bunch of offers but i picked pick the denver metro area just because i i i see the opportunity here in the region not only in the state and in the in the metro um while also kind of uh being in a position to help i uh i wanna i wanna help to really change what associations are going forward um because i think it's we're on the precipice of some really massive change in this industry yes yeah we should we sure are and anybody i think when i sit in in the audience uh i like your real talk like you're you're just straightforward and you're coming from a realtor's heart but i really get that you love this industry and that you realize the impact we can have uh on consumers uh you know homes are our sanctuaries and and then it goes from there so uh as you you know as you now take over um this morning and and give us your presentation um really uh how how did you come to that did you always have kind of a servant's heart for for realtors and and that important part of you that just speaks real to us that we go oh my gosh i didn't think of it that way how did you come about have you always been that way you know in general i just don't have a lot of pension or patience for bs uh yeah you know katrina last because she knows that we pray together fill this too you know i think the big thing is is i i from the leadership point of view when i whenever i got recruited and then working at nar i think it was uh more of a you want to change i'm right there with you you know we are at this point in this industry where we can no longer have things that have been dogging us for 100 years continue to dog us now we gotta we gotta address them move on and start shaping the course of this industry mostly i'm unemployable outside of this business i'm unemployable you know i can you know going over brazillo is easy but um you know i i love this business i love doing it this is one of the few businesses i know that the better and more you help people the more profitable you are there's no other industries that are like that and on top of that too you know some of you guys know i have a kid abby i don't know you have this i know this or not but uh my kid has got the realtor laugh already you know what i'm talking about i mean he's he's ready to belt out things like you know uh you know circle loaders rates no inventory what can i do to get into this home um literally five minutes from doing that but i want to have an industry for him too you know because my what he he used to take my wife used to take him to her second showings for um for people who needed vision on a home and he was doing things like oh this is where i would put my bed this is where mean he was he was working it he is his nickname is the closer and i want to make sure he has something to close on uh as he gets older so it's gonna be good i love it i love it um so for those of us who do follow uh nobody and his family on facebook some of the things you put on there are hilarious and uh i think he does have a a huge future in our industry hope so so so as you are you know you've transitioned from you know working for the largest trade organization in the world to you know to now working for a pretty large association uh on a local level the denver metro how many uh realtor members do you do you serve there we uh this denver metro area another reason why i picked it was not only the membership size we got about seven thousand members and about another eight nine hundred kind of ancillary members and secondary members here it's the biggest local but it's also right smack in the middle of all the changes happening in this business so i got i have non-realtors here so folks who because we have an mls that is realtor owned but is but doesn't require it's not a thompson state but but it still doesn't require realtor membership which is weird but then i also got zillow here buying up houses i got redfin buying houses here who are realtor members zillow actually now they picked us when they turned into a realtor brokerage because i wouldn't give them uh grief it wasn't the word that they used but but there but errol was like you know we will give it give our people crap right yeah yeah lillo is now a realtor with us as of last month um and and i've got all the change happening one of the our one of the non-realtor brokers here uh uh testified before the department of justice last year so everything about change that's happening in in this industry is happening right here which i love but it's a it's a big membership it's one that um is still really reeling with the fact that it's almost like what idaho is feeling right um you've got so many people buying of houses here who aren't from here absolutely and it's causing this this massive change in this business where you've got folks coming in who are expecting one thing and getting something else from a real estate professional so you know this is a perfect storm of change it's happening here the perfect storm of change boy howdy if that doesn't describe 2020 i don't know what does um that's fantastic so so what is on your mind and heart this morning for idaho realtors uh nobu what what is kind of the biggest message you have for us yeah i i think i think we need to start putting to bed all the things that have dogged us we are pretty self-loathing industry in general we just everything about us is like oh you know all this change they're picking on that garbage needs to stop if there's one thing that that covett did and we should be thankful for you know is that it magnified a lot of the things that that that benefited us that showed us what we shouldn't be doing that magnified issues uh societally in our in our markets that we need to start embracing and running with right so you know in my mind i have seen more change in the last five years in this business than the previous you know 25 30 years that i've been in it i think the next five is going to make all that pale and comparison because not only do you have industry change but you've got regulatory change and you've got you've got societal issues that are now up front in everybody's faces and we have to start thinking less about what's in front of us and sort of acting more on what we want the industry community uh our our markets to be going forward and to take a much more active approach in that rather than being a result of the change which has been which has been even right now the thing that is happening the most so what you're saying is we've kind of been behind the curve and and uh we need to of course be out in front of it what do you think like what is one of the biggest or maybe the top five biggest changes that you see you know coming down the pipe that we that we should be embracing and part of yeah the big one to me is is transparency you know as you guys know some of you guys i've been talking about it for years right uh how we need to be a lot more transparent about not only how we operate but but you know demystifying what we do that decision has been made for us now you know here in the denver metro area and many other markets when the calendar turns commissions are going to be broadcasted on our public-facing mls site um zilla will be following suit from what i've heard and and it's probably abby can can second this in the state of washington where this already been happening brokerages were broadcasting it now did the end of the world happen no right especially in washington where this was huge but uh in markets like yours where you've got this oh we're non-disclosure i now heard this three times with friends of mine uh in the idahos area that that doesn't mean anything to consumers who are moving in droves to your market sure you know the expectations now are far exceeding what it is that we are offering people and you know not commissions i don't know which by the way no one gives two hoots about what you're making they don't care right what they care about is what they're paying for right so when you think about that it it it opens up the door to everything else that's out there you know stop worrying about non-disclosure uh states and what you guys are but start thinking about what else you can add to the conversation to show more value because that's a huge one i think the next big one to me is is is costar uh i think costar what it really hinges on what they do with core logic but if they buy the number one mls provider in the country that that says a lot about what they plan to do now so maybe kind of expand on co-star for those who are just here for the first time and hearing back yeah so what co-star is so anybody in the in the commercial real estate realm can consecutive co-star is has been a verb in the in the commercial real estate space for i don't know 10 15 years you know they they own a portal they bought another portal they went toe to toe with nar a couple years ago and uh and won um what co-star is is a commercial real estate monolith i mean they're a legit 35 billion dollar company but what has happened with with commercial real estate just in the last six months it's cratered right so it made a lot of sense for those guys to jump into the real estate residential real estate sphere so they bought up home snap uh which you know everything i read and everything i've talked to when it comes to some of the consultants that are revising uh uh home snap is that they're gonna keep the relationship for sure with the major brokers right which is which is pretty huge so you know it it depends on what they do but here bottom line is that they are revenue driven company have they improved their products with their revenue no but what they have done is is acquired other companies so that sometimes watch out for they've monetized the hell out of monopoly they have monopoly they do and they monetize the hell out of it will they do the same thing in their residential real estate space you know i think long term is something that you know from you know my my point of view as an association guy going forward we've been talking about uh for years about the mls being a marketplace and uh what i what i have to actually think about as an association dude with 7000 members who every day think about value about what we bring is the fact that what co-star can do if they were to buy up uh corelogic which it sounds like they're going to do they can create another marketplace so you as leaders right you need to think about the fact that uh we need to amp up our value we need to amp up the amp up the things that you do make sure that you humanize it in really fundamental ways but uh we are in a post zillow world zillow is now a broker zillow is now a realtor we gotta we gotta get beyond that it's the next company that comes in and that next company is is is that eight hundred pound gorilla in the room right now well this is what i love about unobu is that you seem to have a bit of a crystal ball i don't know where you keep it i i'm looking at your office i don't see a crystal ball anywhere but you have for years been calling these things and so an mls as a marketplace can you expand on what you what that looks like to you yeah so and that's something that that the legal team at nar was part of that being in the nr legal team for the last three years of my time there in nar was something that was talked about a lot i think that that it was kind of a maybe a conversation that they should have thought more about i i brought up a couple of things like when you start thinking about marketplace and business now you've got to be a lot more value to the members and subscribers that are there but in general the term marketplace is is is a term that uh that you know the legal team is fighting to to ensure that consumers who are using realtors to put their houses on the market are putting their houses out there in the marketplace so that they get the best bang for their buck they get the best dollar for their equity that they've earned things like that but when you start talking about marketplace now you're you're opening the door to competitors that's what's happening right now right and if i just bought a a entity that's got every major brokerages brokerage attached to it i i have to amp that up and i think that at the state local level we really need to be the ones to step up and as leaders uh you know think less about leading in your nine months that you really have and start thinking more about the next five years how we're going to act upon that as leaders in in the markets especially that we're in right now where people are gravitating to absolutely so on this zoom meeting today nobu you've got uh realtors you know all of us in the trenches every day uh you've got realtors who are here at you know this zoom meeting wednesday webinar perhaps for the first time uh i am looking at we've got state leaders we have our president-elect cindy hunter and and leadership from local to to state would you say that is the biggest thing or you know as as leaders in our own companies and then also association level what what are the things we should be watching for yeah and this is something that i've actually talked to my leadership team about here both locally and a lot of them are at the state level and regional level as well is is i am i'm really starting to ask the big questions is what what do you want our market to look like and function like in five years and ten years do we have the capabilities to start executing upon that now and i'll tell you every most people i talk to just say no when they really realize it right so it goes beyond the folks who are here and involved with this we got to get beyond the clicks in leadership who are who are the next generation leaders who are they where are they what are their makeups what do we suck at as a leadership group i think what do we suck at that's the question of the day and it's okay to address that because we need to yeah we really do need to address this stuff we suck at a lot of things i mean what has been the biggest issue is that no one outside of this zoom meeting knows anything about the value of their membership right sure and i'll tell you uh something that i fully agree with bob goldberg about when i was at nar was that the fact that there's a lot more apathetic people about the association we we worry about those folks that call call us up and say i'm not paying you know dude dudes here for all three levels of 600 bucks right we get held hostage by folks who complain about that where they're going to play about everything we have to more worry about the fact there are people you know abby when i was in spokane with you a couple years ago we talked about it like how many how many of your your agents could not care less about what they're paying they're just like they just see it they just write their check and then they go yeah those people who aren't in the room need to be invited in the room now but i'll tell you leadership in the zoom area zoom era really will change the way we interact and engage because we really need to be upfront and and more truthful and in your face about what value actually means today and tomorrow love that so when you ask that question to your local leaders what do you want to you know what what do you want this to look like in five years can you give us some of their answers yeah you know i think the big one was was uh was acting upon what we're already seeing now and this is the societal issues the the diversity element the equality element and the inclusion element we're in i'm also in colorado where it's not the most diverse market ever and this is me talking to my state counterparts you know we're mandated to do a lot of things on this end but there are not just a lot of diversity here and to me i'm like okay let's work on the inclusivity part because i think if we're inclusive not only internally with our with leadership with with membership with points of view um well the d and the e part will actually come that's right because we're here uh you know uh recently at the state level here uh colorado the board voted to allow ypn to be uh a voting member of the of the board one member from the state ypn to be a member of the board and it was a 45 minute freaking conversation that ended up like we normally ended up like they're gonna do it anyways but it's like it's the same thing with like charlie oppler's apology like welcome to 2010 guys 2010. 10 years ago nobody nobody says it like you do mister well i told charlie that too so that you know i can i can i can say that but it's like you know what what are we going to do now for the next 10 years let's let's be inclusive right so that we can we can set the tone for the d and the e portion now i think the big one too is that i i'm more willing to act on the equality and equity portion on the consumer front because right now what you're seeing happen is that housing affordability and accessibility is more is more impacted on people of color right so what does everybody need right now no matter your color or place in in real estate is that everyone needs pat home ownership and have we done that as an industry no zillow has done better guys on on educating people so that they become a verb so if we can together you know deal with the inclusive inclusivity part on the internal end of things but then help our help our community give a path to them on on how to save for a home and that realtors are there to help we've done a lot of work it well that is that's such a powerful message and i think that we believe that we live that every day that realtors are literally the guide the the path to home ownership and and we know what that does for our communities um but we can do better and so for you in denver for here you know here in idaho what what does that look like uh we we i know that there's realtors on this you know zoom meeting that feel like well we we're doing that every day aren't we how can we do better what is you know when the when the rubber meets the road what can we do better well i'll tell you all we do really do suck about uh building mindshare we're we're not really good at that and right now if you think i think overall folks don't realize how much they need us until their eyeballs deep into the muck of their sure and and and and part of the to me about this whole notion of transparency is to get that information out there you know one of the things that we do that no one else can as an industry okay is is the fact that we could if we wanted to put seven million people out in front of our brand and say we help these people now will nar do that no because they have to worry about big broker relationships but can we do that at the regional level hell yes we can can we do that at the state local level oh heck yes we can and at the same local level can we team up with brokerages to get that information out there yes we can that's something that i'm doing here uh in denver is during that spring season all the way through the um the tail end of the closing season it's highlighting the value of a realtor and humanizing uh humanizing the brand so yeah there are different ways to do that but we just have to start getting that information out there because we're horrible at it and it's just the way we think frankly you know we're very transactional in general right and again i'm being general generally speaking when i say it but we think more about how zillow works from the earning mindshare earning business earning and attracting uh of followers we'll be good at that and i think that's where we can as a unit as a as a collaborative really makes some change because the beauty about doing this together is that you know every transaction is going to be different and what's awesome about it is that if you guys put out i mean however many houses will sell every year in the state of idaho and in your micro markets you can really tell people no matter how you want to transact on your next home we have a realtor there for you love that no matter how high touch high tech you want to do it we're there for you and for sellers if you haven't if you need an exit strategy out i've got the network for you you know that's a beautiful thing about leadership you know katrina you go to pc uh you know and hopefully go to maui how many agents have you met right that can help sellers get the hell out of idaho which is that to me is key to uh to getting folks out and and creating some inventory i love that and i think about that from the regional point of view i'd love to you know team up with uh with you guys on that to create a regional powerhouse to create a velocity of business well uh you're region 11 we're region 12. i we actually have an end with the with the 2021 rvp of region 12 that tiffany my gansky from pocatello we we can do something but what i love about what you're saying nobu is that on a state level on a local level we you know idaho consumers have been absolutely blessed this year during a pandemic the real estate market here has just it is booming and more consumers are in homes now than ever before um and and to get those testimonials that that that's that's brilliant yeah one of the few real big advantages as a collaborative from every level we can put people out in front that love us right um and i think the big one too that has really been amplified by by uh by covet is that as as a group we have the ability to to be this one-stop shop this platform that folks have been talking about for for years what has been the eye-opening thing for me during this covid period was that it went from 66 percent to 86 percent that consumers thought about real estate professionals as a one-stop shop and that impacted their decision making so whatever you can do to make the experience for me great uh great and and fantastic uh from no matter where i am in that home buy sell uh point of my life the better we're going to to be uh uh profitable from it so on along those lines uh i've got a question um so the question is how do we stay competitive with these other entities to stay at at the heart of the transaction a realtor at the heart of the transaction well yeah you you get go on notice that that that right now is the biggest target is the actual transaction uh and there that has never been more right for change and and i'll i'll tell you i have now bought three homes without being a realtor and it sucked every time so i i feel it man i mean from the mortgage end of things titled everything else i i felt it um here's the thing we there's our as covet has already showed uh people are willing to pay a premium to do the thing to have somebody else do the things that they don't want to do and we need to start resting our laurels on that and start marketing the fact that that there will be seven million transactions this year and x amount in idaho that they're gonna be a unique experience for all of you and i'm here to do that at a premium way every point of the way i love that you gotta talk about it we have to be a lot better about talking about uh at least on the transaction end of things how much it does suck and how much human helps with that technology cannot get rid of that well it's interesting um michelle vines bailey hey honey if you're on uh she's boise regional realtors president for 2020 and on her facebook i think it was yesterday or the day before she says you know it's easy to get a property under contract but getting it from there to closing is you know that that's where we earn our money and i think you're exactly right nobu that that we need to talk about that more well what we've done far too long as an industry and the best of us do this we insulate our clients from all these issues but the big thing now is that our clients every other day of their life they're feeling the pain of all of the inefficiencies of the world and what we've done is make it look easy to our detriment so we can be a lot more transparent than that and actually have them be become a part of it say hey you know what i've already taken care of it you know we're going to be okay because that's the people are willing to pay for now the the thing that i foresee in general because of all the of all the change with the doj of all the change that's happening with uh with other brokerage entities that they're still going to be an agent there the big thing in my mind is is that that agent is going to become a lot cheaper to use so it's standing up for for for your your value it's less a conversation about uh travel agents i hate that conversation i've used a travel agent if i want to go and go and take a green uh tour of the amazon jungle with some hippie there is a there is literally a travel agent there who can help me out with that and that person gets paid a ton of money right the better analogy is uber for us people feel forced to use a realtor they want to get into the car of a stranger and we need to be a lot more trustworthy than that right so how we build trust now starts now love it okay so let's switch to uh to tech you know i don't even know what questions to ask what what do you see on the horizon what what is exciting to you that can affect our industry and and then something that we need to just be rubbing our hands together and and maybe finding out a little bit about yeah i you know uh what you're seeing a lot of it and i'll give nar credit for this you know when they've been saying we should get involved in tech and turn around and invest in a technology accelerator it just seems kind of like talking out both sides of your face but the the guys that are involved with that are really good and they're bringing in some first-class companies who actually want to work with the industry rather than disrupt it okay because your average disruptors they don't know if they're disrupting anything they're just trying to solve a problem now they're going to ask for for those problems so you know i love companies like earnest uh with 2ns e-a-r-n-n-e-s-t if you ever use venmo that the that type of technology now is is um is available for earnest money transactions so you can actually they've partnered up with almost 80 of the title companies in the country and you can now as a as a consumer um why are your your earnest money to uh to title companies directly through through an app right that stuff is incredible to me or that folks are are not that that can happen but that people are comfortable in doing it sure huge to me uh so it's it's it's companies like that that really um that really that i love and you're gonna see a lot more of those companies that we can actually latch on to as not only as leadership but as as as a brokerage folks you know abby's not in her she's probably heard about these folks before but they're fantastic especially when you're thinking about you know when i was buying a home in in in denver i was in chicago i had to during covid go to my bank to wire money which required me to go and um make an appointment during covet i i blew past my uh uh past the deadlines both times when i pulled the trigger on the houses here right so you know anything you do right that think about how we can how can lend more efficiency to the transaction with our brand that's huge so it's companies like ernest company companies like glide who are uh who are not only holding contracts but they're turning it into a transaction management solution which is going to be huge going forward as cyber crime becomes more and more of an issue right so it keeps transactions out of the uh out of the out of the email frankly um in the transaction itself boy you're seeing things like bitcoin right you're seeing things like that i i've already had two agents here ask me about bitcoin transaction we'll just cash it out dude and treat it as a cash transaction but uh when you see the token exchanges of real estate happen fractional owners ownership of of of housing you guys are going to see the guys from zillow and dot loop started a company called picasso that created a fraction fractional ownership of second homes it's amazing yeah and they're like it's not it's not for those old dudes that want to sit in their in their second homes and and you know become crazy it's for it's for millennials out there who are rich but don't want to have the the the expense of having a second home year-round they want to share the cost it's like a time share on steroids on absolute steroids are you seeing that in in colorado oh yeah they've already they're already here not here in the city but up in aspen right and vail where you've got uh folks who are like you know i wanna i wanna have fractional ownership of home and then airbnb when none of us are there it's it's less about home and more about an investment that they should it's pretty amazing stuff which i think to me is the next thing you know airbnb just went public i think airbnb's entrance into real estate is an inevitability okay i think it's inevitability um and because they're gonna need to continue to make money so how they transact it's like the car i sold my my car my realtor car before i moved to chicago from chicago to here through carvana it was basically the same brick and mortar experience without the expense of brick and mortar which actually led to more profitable experience for the company a better experience for me right so you'll see that type of thing and i think that's the thing that's going to be very unique to us as real estate people and as brokerage is that there's going to be a lot of options out there and we should take advantage of that yeah advantage to that know who your clients are know what they want so that you can attract their friends and their family to the way you do business there's going to be a ton of money to be made there i love that you guys we're already 40 minutes into this webinar i want to open it up uh i know realtors if you have any questions please type those into the message uh um portion right you'll find that right at the bottom of your screen for those who don't know but if you've got a question for nobu this is the time to do it uh so so nobu in the next five years uh you uh in colorado what is going to be your concentration in in serving your brokers um we you know brokers are kind of our unsung heroes we've got lots of new realtors here in in idaho and we're really counting on those brokers to you know teach them the business what are some of the things that we can give our our designated brokers uh this morning some some tidbits yeah i think the big one is uh we need to as a as a leadership group be a lot more fundamentally um strategic with our engagements with our with our brokers because they're all going to be very different you know what abby needs at cb is going to be very different from what independence i have a lot of independence here we're large independents and they are fiercely independent they don't want any help and really having fundamental conversations with them and getting getting an idea of what we all need collectively and collaboratively collaboratively as a group you know you know the big thing is it you know we we as an association leadership group are really apprehensive to talk about our talk to our brokers about products but you know and the thing is i talk to them every day and i'm like you and i both know that that it's not about the products the buy-in that you spent money and i spent money and no one's using it i think that's the biggest probably you know so really kind of figuring out what's not working how we can work together to ensure buy-in uh as zillow becomes i think i i think zillow pivoting to an exp type model is also an inevitability as well so you know and you already have top agents top teams that are using their services for that because they are getting business from it so you know it's how can we figure that out together as a group with the other brokerages that are out there and then collectively to me we need to start re-envisioning who we are attracting into this business period you know we we gotta we gotta talk to our trainers we gotta talk to everybody and say we gotta stop with these people who are fogging up mirror and start thinking about qualitative versus quantitative metrics right so if we can get the next generation realtor to be more profitable and productive with the with our services that we're providing together as a group we're going to be all better for it i agree with that i'd rather have more abby's there abby can do whatever she want i've been picking on you because you're like literally right there but it's like abby had her choice to go and do a whole bunch of things but she's choosing to lead at uh at a brokerage we need more people like that that could take professionalism to the next level sorry nobody i didn't mean to interrupt uh we've got a couple questions when you're ready yeah so uh we've got jim from boise your thoughts on having a license differentiate between commercial and residential agents or realtors so yeah what do you think well you know i i i everybody wants to be treated like their own special snowflake and we got to stop uh you know be one thing i'm here at the denver tech center right so there's it's a cluster of about five ten buildings here that is specifically catered to companies trying to escape the silicon valley area and come here they here are 95 full all of our buildings are full here i could not renegotiate anything on my lease here okay now that type of of commercial real estate is very different from the residential stuff that our normal commercial real estate folks are doing who are realtors now is there a is there a collaboration point there oh hell yes i'm really interested in seeing what charlie opler does with this commercial show next year i think there's a lot of opportunity there to really kind of bring in next generation businesses the thing that was interesting here about talking to these tech guys here they could not care less about who they're dealing with but they know what realtors are which is huge yeah we can attract the jlls of the world these massive brokerages become realtors then we have another conversation happening but right now differentiation we we're under the same brand we're realtors what does realtor mean realtor means community realtor means fighting for proper property rights we should leverage that and make sure that we're on point for that to even hope to attract all these big guns amen to that love that uh we've got another question um linda is looking to go out on her own and uh single small agent how do you see this playing out what can what what advice could you give her yeah well it's it's very easy to do that um it's very well it's easy in your on paper to break out it's very hard to execute on because you know if you don't get your systems and processes right beforehand and ensure that they can scale going out on your own is really tough to do because you're literally trying to you know uh you know paint your paint a house while it's you know going down the highway 50 miles an hour whatever the hell that adage is right so i don't i don't care what you do but you need to have your systems and processes down before you can even hope to scale and scaling within a brokerage is just fine you do it in the brokerage how much risk you want to take on and i think that's the biggest thing you want to think about this that's what stopped my wife um but i would say one in uh one in one in ten of my friends have gotten out on their own but it's not about scaling up a real estate team it's about building a brokerage that means something and everyone that's the scene it's not it's not linda weinman real estate it's it's it's story home realty you know it's one community realty that lee brown started on our own it's a brand that means something behind beyond you know an ego stroke which to me i think is how you scale yes oh that's great that's absolutely true uh okay uh juan hi one uh how do you see the economy changing in the coming year interest rates and such what do you think that's gonna as you're looking in your that crystal ball i know you have yeah you know rates i'm not i'm not too worried about they have nowhere to go but up uh but i think covet is actually going to keep it down for a while because you know you know politicians need us to go out and spend money and to buy big ticket items that require uh mortgages and and loans and stuff like that so i don't see any of that changing for the next couple of years i think to me what we need to worry about is policy change because we've got a new administration coming in that on paper says that they are very friendly to housing but there is a massive tax hole that needs to be dug out of and this is where like you know our my state local association colleagues we'll be watching a lot of is yeah you're all friendly until you need to refill your coffers so we'll be watching a lot of that stuff as as we go forward and i think you'll see kind of minutia policy change that that we're gonna have to pick our battles uh and i think you all know this it's things like 1031 exchange which might be canceled for people who make over 400 000 a year which is key for you know movement of second homes which that affects our markets right so yeah we watch you for that and picking our battles uh and i think this is this this coming i would say the first couple of years as we get to midterm elections is going to be more nuanced than there will be anything else i think you're exactly right well uh nobu thank you i can't believe how fast this has gone uh this is actually my last uh webinar that i get to host officially as idaho realtor president so i get to say a few words um i don't want to invite you to just kind of some closing statements things that are important to you that we haven't addressed all right you yep yeah i'll have you i'll have you close and then i'm going to say a few words and our hour is up if you can believe it now you know i think you know to me this is we have to see the opportunity here this is a time for really awesome change that we need to be a part of you know jim brings up things like virtual notaries yeah i mean if we can create an avenue efficiency for our buyers and sellers we're going to be okay you know zillow becoming a broker that's that's a thing that was destined to happen let's get beyond things that have dogged us and let's start thinking more about what we want the industry to be it's our thinking about how we're going to fill the leadership funnels leadership pipelines uh that are out there that in my mind will help not only us as association walks but but leadership folks within brokerages as well you know we we have to see the opportunity here more than get dogged down by the but the negativity that uh that is kind of filling up the the social medias of the world your kids aren't on social media anymore anyway so go out in the real world when you can you know it's it's it's do the things that we need to do not what we want to do interesting i love it i i i really do love that we need to uh we need to just get busy we need to move forward and we know how to do that we are you know who we are is problem solvers and and you know uh understanding it coming up with ideas to do this this business better and uh so that that's excellent advice thank you so much no but we've had love to have you um i just want to take a moment as we come to the top of the hour idaho realtors to say thank you uh this has been an incredible year i think it has been a brilliant year and i know my leadership team feels the same it has been challenging um no doubt no doubt about that we have faced things that that none of us could have predicted in january um but where there is uh absolute challenge it is the solutions that we we we have the opportunity to come up with uh we have accomplished guys idaho realtors we have accomplished so much and i want to include the affiliates in that this has been a a landmark year and we have done it during a pandemic which i will i will never forget 2020 will go down in the books for me personally as one of the best years of my life we have had to come up with some solutions that we didn't uh there there's no way we could have foreseen uh there has been a a new world uh created for idaho realtors and that is the virtual world look at us right now today just uh you know coming into the holiday season i don't know david hensley how many idaho realtors and affiliates we have on this zoom meeting and it is being recorded uh but this is something that we didn't do last year last year just a few months ago we didn't know we could do this uh i you know just kind of tapping back into what nobu said as we go forward guys there's nobody better in this business than the folks that are on this zoom meeting today we have the solutions for challenges uh we need to stop sort of looking back and we need to look forward and i tell you with the things that we were able to accomplish um a couple of pieces of key legislation that was passed into law during a pandemic that is going to bless idaho consumers and realtors going forward and those pieces of legislation are are really a um a landing point or a launch point to creating more legislation and more laws than that are going to affect idaho consumers for the good uh that we now at any time next year that our clients and and customers can sign up for the homeowners exemption that's incredible and that's something that we did that came from idaho realtors that came from you and me to abolish that timeline that people have to sign up for that that they can sign up anytime think of the homes that that's going to open up for our first time buyers that that get that homeowner's exemption that that first-time buyers can now open a tax-free savings account idaho realtors did that and i don't mean the leadership guys and i don't mean the staff although it was authored by uh our very own uh max pond and david hensley and that it was absolutely you know testimony was given at the capitol from idaho realtors that came from us that is something that we looked forward and has been working on for years that we knew we needed so as we've learned today there are things that we can do that we have done during one of the most challenging years of idaho realtor life that we have been able to accomplish these things i want to acknowledge the leadership team down into our leadership committees that the forms committee came together on a weekend burn the midnight oil jason rich our association attorney that came up with language and new forms to address the coveted 19 situation that we were going through and that we're still going through we we came up with forms for that we adjusted forms that we have so that our contracts protect idaho consumers it's extraordinary it's it's amazing it's so brilliant that we could do these things that scholarships were awarded that i was able to meet with some you know just adorable cute they were young and cute um college uh students that were able to be blessed by idaho realtors with with money for them to get into this industry thousands and thousands of dollars were given this year to charities uh we have done so much good so i know that these have been challenging i know that they have uh these times but if i can say anything is that i don't look at this year with any sort of regret i think that what nobu said is true what my leadership team has said what our idaho realtors staff has said that this challenging year allowed us to really dig deep and that we shined that we were able to accomplish these things during hard times makes it even sweeter because now we know we can do it so as we're going forward there is no excuse for us to be weary to to for us to be fearful of what's going to happen to our industry be ause we are problem solvers it is who we are uh we can't stand by and just let things happen that's not how we're made and if i can say anything about 2020 it's been that those things that we were able to accomplish uh that we have a relationship with the with with the capital that we have a relationship with the governor's office that we were deemed essential and that homeownership was deemed essential because he knew that because our governor knew that he could trust idaho realtors idaho realtor family our affiliates to conduct ourselves in a way that we would put idaho consumers first and i will say with the influx of people that are finding out about our glorious idaho and they're coming uh that the kindness that we have been able to show the professionalism and that we've been able to do this safely that we were geared to do that guys should really lighten our hearts as we're looking to 2021 there will be the unknowns absolutely but i know that the known part of that is that we'll face it we'll face it together we'll face it with professionalism and we will get things done nobody can serve the idol consumers and home ownership and and the promotion thereof like idaho realtors and affiliates and i want you all to know uh from the bottom of my heart thank you for allowing me to serve it has been glorious i have loved it every minute of it even the the sleepless nights i appreciate the support uh i appreciate the brokers across the state who wanted to get this right who have seen their offices expand uh who had to change their business models to make sure that their realtors had help and assistance from their home offices that we went to a virtual world that we discovered how well that we could do that uh it has been amazing to me i have loved to witness this and i think 2020 has been one of the best years for idaho real estate you'll you won't change my mind about that i have seen uh miracles and i want to thank my leadership team i want to thank the local leadership teams uh the association executives all over the state i want to thank david hensley who's uh who's at the head of our idaho realtors staff they are top-notch the things that we accomplished that i was able to accomplish as president i could not have done without these people uh i want you all to know though that at the at the at the end of the day you are the most important we as idaho realtors and idaho uh affiliates you have made the difference and it has allowed us kind of different than some other states guys i can attest but it has allowed idaho to continue to chug forward to attract wonderful people who are coming to idaho because of what idaho has to offer i have asked during the year for you to extend kindness and to to have our doors open we can't have our cons our idaho consumers and our clients bless our families and then turn on them for coming here the gate is open uh here's what i will say for anybody that's maybe afraid of our future get involved i am just a realtor marion wadsworth realtor i never thought that i would be sitting in this chair each of you if you love this industry get involved in some way if it's part of your association it will definitely be part of your community because that's what we do i would ask you to get involved be kind where you can uh take the high road it will serve us all well and with that david we're at the we're at the top of the hour i can't believe it's gone so fast um thank you for everything we're going to be in wonderful hands with president cindy hunter in 2021 with her leadership team um i'll give you just a minute to add david madam president i think you said it well our heartfelt thanks to you and the entire leadership team for idaho realtors historically successful year could not have been a better year for us as an association and our members and you were absolutely the right person to lead us during these times your grace your energy your enthusiasm i think brightened all of us and our hearts during these during this adversity we felt but without you we could not have accomplished it so congratulations on a historic year all of the members owe you a huge debt of gratitude and we are forever in your debt so thank you so much madam president well you are too kind thank you nobu how to thank you again i know you're busy thank you for spending our last wednesday webinar of the year we'll see everybody next year we've got just an amazing year planned as well all of you be well happy holidays stay safe keep doing what you're doing i am a huge believer that realtors make this world a better place and with that thank you everybody have a great day go sell some homes thank you nobu appreciate you problem hey let's chat when you get a second after the holidays yeah you bet thanks