The Brian and Kindra Show

Join Brian and Kindra as they tackle the often uncomfortable topic of personal finance and budgeting. In this episode, they discuss the stigma around talking about money, the importance of budgeting, and share practical tips on managing finances. Learn strategies for tracking expenses, setting financial goals, avoiding lifestyle inflation, and the value of accountability. Whether you're trying to get out of debt or save for a big trip, this episode offers valuable insights to help you take control of your financial future.

Join Brian and Kindra as they delve into short sales, discussing options for homeowners facing financial hardship. Learn the importance of lender communication, necessary paperwork, and the step-by-step process from offers to closing. This episode is packed with valuable insights and real-life examples to help you navigate the world of short sales effectively!

Join Brian and Kindra on this episode as they dive into the intricacies of buyer broker agreements, effective August 17th, and the nuances of pre-approvals. They discuss the importance of signing these agreements, different types based on client-agent relationships, and share insights into the home buying process. Additionally, they highlight common mistakes homebuyers make, such as not getting pre-approved, overlooking additional costs, and holding out for the perfect home. Tune in for practical advice and tips to ensure a smooth home-buying journey.

Join Brian and Kindra on their show as they delve into the vital role of real estate agents in today's market, providing valuable insights and practical tips. They share details about recent changes affecting realtors associated with the National Association of Realtors, discuss the importance of local market expertise, the pitfalls of selling or buying without an agent, and the benefits of using a buyer's broker agreement. They also cover how to avoid common mistakes in legally binding contracts and emphasize the security and time-saving that come from working with a professional. With anecdotes and real-life examples, this episode is packed with information to help buyers and sellers make informed decisions in the real estate market.

Join Brian and Kindra in this episode as they delve into valuable tips and practical ideas on relationship-driven real estate. With the launch of their new Buyer Strategy Guide, they discuss the essential steps to take care of buyers, including budgeting, house features, and the importance of a buying agent. They introduce the dedicated team members in their office and highlight how their expertise can make the home buying process smoother and more informed. Tune in for a comprehensive look at the home-buying journey and why having the right agent matters.

Hey, it's the Brian and Kindra show! Today, we're diving into the new Oklahoma Real Estate Commission Buyer Broker Service Agreement and what it means for you. We'll break down the changes affecting both buyers and sellers, highlight why it's crucial to sign agreements before viewing properties, and discuss the potential hiccups you might face. From buyer representation to compensation, and everything in between, we've got you covered. We'll share our insights and tips to help you navigate these new waters smoothly. Whether you're looking to buy, sell, or just stay informed, this episode has all the info you need. Plus, stick around for some laughs and a bit of candy talk at the end!

In this episode of the Brian and Kindra Show, we humorously discuss hair product mishaps and vacation stories before diving into real estate changes due to the recent NAR settlement. We cover the implications of buyer brokerage agreements and the unique nuances of Oklahoma's real estate regulations. Packed with funny anecdotes, this episode offers a blend of entertainment and valuable real estate insights.

Join Brian and Kindra as they discuss the current state of the real estate market, revealing the latest listing trends and home prices in Woodward and other areas. The duo also shares personal vacation experiences, emphasizing the importance of taking breaks from work. The episode transitions into a thorough discussion about the often overlooked costs of homeownership, covering essential home maintenance, budgeting tips, and the significance of having emergency funds. They also provide practical advice on how to prepare for unexpected expenses and the benefits of home insurance. If you're a homeowner or planning to buy a house, this episode is packed with invaluable insights to help you manage your finances and maintain your property efficiently.

In this insightful episode of the Brian and Kindra show, we delve into crucial tips for navigating the mortgage process. We highlight common mistakes to avoid after applying for a mortgage, such as changing bank accounts, applying for new credit, making large purchases, and cosigning loans. With real-life anecdotes and practical advice, we underscore the importance of communication with lenders and maintaining financial stability. Tune in to learn how to effectively manage your finances and ensure a smooth home-buying experience.

Join us as we dive into humorous anecdotes and essential tips for getting your home ready to sell. From decluttering and deep cleaning to light repairs and enhancing curb appeal, we cover all the bases to ensure your home makes the best first impression. We also discuss the importance of neutralizing decor, maximizing natural light, and creating a welcoming atmosphere. Packed with practical advice and personal stories, this episode is a must-watch for anyone considering putting their home on the market!

In this episode of the Brian and Kindra Show, we discuss the fireworks season and share a personal, fiery mishap that left Brian with burnt fingers and a ruined shirt. Then we switch gears to discuss the current real estate market statistics, emphasizing fire safety, property values, interest rates, and some nuances of listing and selling homes in Woodward. We even touch on the potential impacts of the upcoming election on the real estate market. Tune in for a mix of explosive fun and valuable market insights!

Join Brian and Kindra as they discuss the implications of the recent NAR settlement and the importance of buyer broker agreements. They share insights into the local real estate market, the value of using a local realtor, and the flexibility in negotiating contracts. This episode also highlights funny anecdotes, the dedication of their real estate team, and key advice for both buyers and sellers. Learn why choosing a local agent can make all the difference in your real estate journey.

In this episode of the Brian and Kindra Show, Brian and Kindra discuss their experiences at the Woodward Elks Rodeo, share some fun interactions, and provide insights on the bustling event. They then delve into the key topic of the NAR settlement affecting realtors nationwide. Brian explains the background of the lawsuit, the implications for real estate commissions, and how it will change the future of buying and selling homes. They emphasize the importance of understanding the new rules and offer advice for buyers on navigating these changes. The episode wraps up with a discussion on using local agents and the value they bring to the real estate process. Tune in for comprehensive insights on this significant shift in the real estate industry.

Hey friend! Welcome to the Brian and Kindra show! It's rodeo week and Brian has his cowboy hat and boots on, ready to make a fun video. He even threw on his Texas barbecue beef shirt for the occasion! So, are you ready for some mutton bustin'? Those little kids are adorable! If you haven't got your rodeo tickets yet, swing by the office. We've been giving some away and might still have some left! Now, let's get down to business. Today, we're diving into some crucial tips for sellers. We often focus on buyers, but sellers need to know what's coming up too. From offer etiquette to negotiating, and even the nitty-gritty of as-is sales, I've got you covered. We'll also touch on the importance of fair housing rules. It's something every seller should be aware of to avoid any unintentional slip-ups. So, let's keep it friendly, fair, and fun! Stay tuned, cowboy (or cowgirl) and let's make this rodeo week unforgettable! Catch you next time, partner!

Hey there! 🌞 Ready for a rollercoaster of a chat with Brian and Kindra? This episode is all about embracing our ADHD vibes and diving into whatever catches our fancy. From basking in yesterday's gorgeous sunshine to savoring some mouth-watering ribs, we've got stories that'll make you feel right at home. Ever wondered if it's better to buy or rent? Or how to really get to know a neighborhood before you move in? We've got you covered. Plus, we share some insider tips on spotting a market crash and discuss the pros and cons of buying older homes. Spoiler: it's all about the character and those beautiful, established trees! So grab a seat, maybe even a snack, and join us for a delightful mix of randomness, laughter, and some solid real estate advice. Trust us, you don't want to miss this one! Got questions? Reach out to Brian at 580-334-2303 or Kindra at 580-216-0090. We'd love to hear from you!

In this episode of the Brian and Kindra Show, we cover the basics of what a mortgage is, including its definition, the process of obtaining one, and why it can be a lengthy process. We also discuss various types of mortgages such as fixed-rate, adjustable-rate, FHA, VA, and more, explaining how banks make money from mortgages, the concept of interests, and the impact of loan terms on both banks and borrowers. Additionally, they touch on the topics of mortgage insurance, home equities, balloon mortgages, and assumable mortgages. The conversation also veers into more personal anecdotes and humor, mentioning tattoos, a spy-themed joke, and reflections on budgeting and financial decisions. Tune in to get insight into the financial workings behind purchasing a home!

Join us on this special edition of the Brian and Kindra Show as we discuss our recent visit to the High Plains Technology Center's Senior Boot Camp. We share crucial advice on preparing to buy your first home and smart renting practices, emphasizing the importance of building good credit.  From understanding lease agreements to saving for homeownership, this episode is packed with essential financial tips for young adults and their parents. Tune in for insights on renting, credit building, and the path to owning your own home.

We’re back with part 2 of The Ways We Serve You - our people!  We talk through some uncommon things we’ve undertaken, such as mobile notary services and creating human shields against pets, to the emotional aspects of buying and selling properties. We also cover practical real estate responsibilities such as dealing with homeowner associations, estimating utility costs, confirming water sources, appraising properties, negotiating in multiple offer situations, and updating housing market data. This episode highlights our commitment to solving problems and going above and beyond for our people, including personal stories of fixing sewer lines, patching roofs, and even coordinating a kitchen remodel to secure a deal. Tune in!

In today’s episode, we talk about the ins and outs of being realtors, the impact of new laws and policies on real estate transactions, and how we serve our clients. We touch on the recent NAR lawsuit affecting how buyers' commissions are handled, state-specific real estate practices, and the importance of agency. There are so many things, we had to split it into two episodes! Listen now to discover all the ways we serve our people.

In today’s episode, we welcome guest Alyssa Bowman from REI Oklahoma. We discuss the origins and mission of REI Oklahoma, focusing on economic development and financial stability through small business lending, women's and minority business centers, and housing programs. The episode highlights the challenges of saving for a down payment, especially given high rent prices, and how REI Oklahoma's programs aim to bridge this gap, offering various forms of assistance including gifts, amortizing second mortgages, and forgivable loans. Tune in to discover how to access REI Oklahoma's programs through lenders and the potential impacts on borrowers. This could be a game changer for some future homeowners!

In this episode, after overcoming a technical hiccup, we chat with Kevin Cansler from State Farm about a range of insurance topics, mainly focusing on roof claims and policies amid storm season in Northwest Oklahoma. We dive into practical advice on insurance claims, the importance of policy reviews, maintenance tips for homeowners, and how various factors like defective shingles and roof age impact claims. Tune in!

In this episode, we talk about the nuances of real estate negotiations. We share personal stories about the importance of presenting strong offers, the strategy behind choosing earnest money amounts, and the various negotiation tactics one might encounter in the buying or selling process. We also covers the significance of acting quickly in a market where properties can sell fast, the potential pitfalls of too many contingencies, and the art of knowing when to walk away from a deal.  This episode is filled with practical advice for both buyers and sellers, so listen now!

In this episode of the Brian and Kindra show, we talk about the joys and unexpected aspects of homeownership, especially within the small market of Northwest Oklahoma. We cover the importance of community and getting along with neighbors, the perpetual nature of home maintenance, how property taxes and homeowner insurance can change, and the tax benefits of homeownership. And then there's the emotional attachment that grows with owning a home, and the stability and personal satisfaction it brings. This episode is packed with practical advice, so listen now!

In this episode, we have the pleasure of hosting Terry Bryan, the Director of Community Development for the City of Woodward, on the Brian and Kindra show. Terry shed light on his comprehensive role in the community, extending far beyond mere code enforcement. We delved into the functionalities of Woodward's new app, changes in zoning laws, Woodward's approach to animal care, including spay and neuter programs and animal control efforts, and more. We also talk about potential developments for Woodward's airport and the inclusive provisions for building permits, and tiny homes. You won’t want to miss this episode!

In todays episode, we dive into essential spring maintenance tips for homeowners. We talk about the importance of cleaning gutters, sealing woodwork and driveways, checking for termites, inspecting the roof, controlling mosquitoes, and more. This episode is a thorough guide on how to maintain and prepare your home during the spring season with easy, yet effective practices to ensure property preservation and maintenance. Listen now!

Join hosts Brian and Kindra in their engaging and informative discussions on a variety of topics. In this episode, they welcome Jake Persall from JCP Services to delve into the intriguing world of termites. It's not just a repeat; this time, it's The Brian and Jake Show! In their lively conversation, they reminisce about a previous termite adventure on Cheyenne Street, sharing insights that will make you wish you could see what they saw. From termite science to the celebration of National Termite Week, the hosts explore it all. Termites, much like ants, are part of our ecosystem, and Jake provides valuable information on colony sizes, types, and potential risks. Tune in to discover the fascinating details about termite inspections, their biology, and the effectiveness of bait systems. Don't miss out on the science and stories that make The Brian and Kindra Show an entertaining and educational podcast!

In today’s episode, we talk home inspections with Jake Persall, owner of JCP Services. He brings his expertise to the table, covering various areas such as pest and weed control, irrigation, lawn services, maintenance, and of course, home inspections. Throughout our conversation, Jake sheds light on buyer concerns like mold and radon gas, emphasizing the significance of having professionals conduct thorough inspections. He walks us through the process he follows during home inspections and advocates for buyers to participate in the final stage to gain a better understanding of their potential homes. Here's a glimpse of the key points in our discussion: 00:00 Introduction and Spotify Discussion 01:17 Introducing the Guest: Jake Persall 02:30 Services Provided by JCP 03:59 Discussion on Home Inspections 04:24 Interactions with Real Estate Agents 06:20 The Importance of Home Inspections 07:57 Mold and Radon Gas Testing 11:59 Requirements to be a Home Inspector 12:56 The Importance of Being Licensed for Home Inspections 14:16 The Value of Professional Home Inspections 16:07 The Process of a Home Inspection 18:01 The Role of Real Estate Agents in Home Inspections 20:59 The Challenges and Benefits of Having Buyers Present During Inspections 25:25 Tips for Buyers on Reading Home Inspection Reports 26:37 The Importance of Getting a Home Inspection 28:01 Contact Information and Closing Remarks Tune in to gain insights into the intricacies of home inspections and learn valuable tips for prospective homebuyers.

In this episode, we share insightful tips on what buyers should look for when trying to buy a home in a small market real estate. We discuss details to look for including practical storage space, the right floor plan, understanding bedroom sizes and locations, and taking into account external factors such as neighborhood noise and light. We emphasize on the importance of getting to know the buyer's unique needs and preferences to provide effective services. We also talk about how, in some instances, buyers end up choosing houses completely different from what they initially described. So tune in and let us help you navigate the real estate market effectively.   00:00 Introduction to the Show 00:29 Reflecting on Previous Episodes 00:43 Preparing for Today's Topic 01:05 Understanding Home Buyers' Needs 03:02 The Importance of Home Layout 04:06 Exploring the Kitchen 06:35 The Role of Home Inspectors 11:36 The Importance of Closets and Storage 13:48 The Art of Traveling Light 14:27 Understanding Storage Space in a New Home 15:40 Kitchen Space: Drawers, Cabinets, and Counters 18:21 The Importance of Bedroom and Bathroom Layout 21:29 Considering Windows and Lighting in Your New Home 25:32 The Impact of Floor Plan on Family Life 27:34 Wrapping Up: The Home Buying Journey

In today’s episode, we delve into the current trend and future predictions of the real estate market. We'll be discussing topics such as waiting for the perfect house or interest rate before making a purchase, the possibility of property values rising due to low supply and high demand, the significance of patience in both buying and selling, the influence of inflation on market prices, and our encouragement for anyone thinking about buying or selling to seek guidance and reach out.     00:00 Introduction 00:53 Reflecting on Previous Shows and Guest Insights 01:35 Discussing Foreclosure and Bankruptcy 02:01 The Power of Starting Over and Learning from Mistakes 03:21 Offering Help and Confidentiality to Those in Need 04:56 Transition to Real Estate Market Discussion 05:43 Northwest Oklahoma Real Estate Outlook 08:16 The Impact of Market Changes on Remodeling Costs 11:06 Predicting Future Market Trends 13:06 The Challenge of Limited Inventory 14:48 The Art of House Hunting 15:39 Understanding Inventory and Market Dynamics 16:22 The Impact of Limited Inventory on Buyers 17:07 Predicting Market Trends and Buyer Behavior 17:50 The Role of Interest Rates in Home Buying 18:42 The Future of the Housing Market 19:41 The Importance of Timing in Home Buying 20:59 The Relationship Between Interest Rates and House Prices 24:31 The Sweet Spot in Home Buying and Selling 27:04 The Importance of Patience in Real Estate 28:01 Closing Thoughts and Contact Information

Embarking on the second part of our credit score journey, we're thrilled to reconnect with Connie Rolen, a seasoned banking professional and credit expert. Join us as we take a stroll down memory lane, reminiscing about amusing office moments that underscore the vital link between lenders and clients. Connie generously shares tools to unravel the mysteries of credit, emphasizing the importance of establishing credit in your own name and holding onto those trusty old credit cards. We dive into the repercussions of late payments, bankruptcy, and collections on credit scores, with Connie providing invaluable strategies for rebuilding credit after facing such challenges. Throughout our discussion, we stress the pivotal role of personal relationships with lenders, urging you, our listeners, to actively manage and comprehend your credit, regardless of your age or current financial situation. Stay tuned for insights that could reshape your credit journey!   00:00 Introduction and Welcome 00:08 Reminiscing Snowball Fights and Office Fun 01:12 The Human Side of Banking 02:21 Appreciating Colleague Relationships 02:43 Understanding Credit Building and Repair 04:04 The Intricacies of Collections and Credit Scores 06:21 The Importance of Regular Payments and Disputing Errors 06:56 Personal Experiences with Credit Issues 10:05 The Power of Relationships in Financial Institutions 13:19 Further Steps in Credit Repair 13:52 Debunking Homeownership Myths After Foreclosure 14:00 Understanding the Impact of Bankruptcy and Foreclosure on Credit Score 14:44 Strategies to Rebuild Credit After Financial Setbacks 15:20 The Importance of Timely Payments and Credit Utilization 15:37 Dealing with Collections and Medical Debts 16:43 The Lifespan of Foreclosure and Bankruptcy on Your Credit 18:04 Understanding Short Sales and Their Impact 19:13 The Importance of Individual Credit in Marriage 19:21 The Long-Term Benefits of Maintaining Credit Cards 20:33 The Importance of Building and Maintaining Your Own Credit 26:15 Final Thoughts on Credit Management

Join us on the Brian and Kindra show as we delve deep into understanding the difference between FICO scores and general credit scores. We share valuable insights from our guest, retired bank employee Connie Rolen who built the mortgage department at Bank7 in 2010. We discuss credit inquiries, soft pulls versus hard pulls, and how much they can affect your credit score. We also explore strategies for building a strong credit profile. The main takeaways include the importance of having at least three lines of trade, making 12 consecutive payments, maintaining old credit cards, and saving money. Finally, we warn against refinancing early and impulsively closing credit lines, as these actions can negatively impact your credit score. Listen in to get tips on how to navigate your credit journey successfully.

In this episode of The Brian and Kindra Show, we delve into part two of our discussions around foreclosures, touching on their link to short sales. We clarify that short sales can serve as a precursor to foreclosures, and how it can potentially prevent homeowners from foreclosure. We discuss specifics like sheriff sales, risk factors to consider while buying a foreclosed property, and how best to make competitive offers. We share a lot of tips, insights, and experiences to help you prepare for the sometimes complex and challenging journey of buying foreclosed properties.

In this episode of the Brian and Kindra Show, we delve deep into the topic of foreclosures and short sales in the real estate market. We discuss the different types of foreclosure situations and how to navigate them, including short sales where homeowners try to avoid foreclosure. We also offer advice on how to protect your interests as a buyer with title insurance, especially in foreclosures. Furthermore, we highlight the need for potential homeowners to get help before foreclosure becomes inevitable. Join us as we unpack this complex topic and offer solutions to some of the challenges posed by foreclosures and short sales in real estate!

In this episode of the Brian and Kindra show, we dive into the practical aspects of small market real estate with a special focus on 'For Sale By Owner' properties. From legal mistakes to lower sale prices, we discuss how these issues could be sidestepped by involving a real estate agent. Tune in to learn why 93% of homeowners choose to sell their homes using an agent and why dealing with us could make your real estate journey less stressful!

In this episode, we discuss New Year's resolutions, budgeting, managing debt, and achieving financial freedom. 

In this first episode of the year, we welcome guest Doug Haines, Regional President of Bank 7. Doug shares his insights on current real estate trends and also narrates his own encounter with high-interest rates during his first home purchase in the ’80s. We discuss the effects of changing interest rates on the housing market and predictions for the future. 

Today, we dive into the world of creative financing—rent to own, lease to own, and owner financing. Navigating the complexities, we share experiences and cautionary tales. Join us for a conversation that demystifies these options and sheds light on the risks and rewards. Have questions? Call Brian at 580-334-2303 or Kindra at 580-216-0090. Let's talk real estate! 🏡💡 #RealEstateTalk #CreativeFinancing #BrianAndKindraShow

🏡 Join The Brian and Kindra Show as they delve into the intricacies of real estate contingencies. Discover essential tips for buyers and sellers, from handling property inspections to understanding unique contingencies like zoning and surveys. Don't miss this insightful discussion on making informed decisions in the ever-evolving real estate market. 🚀 #RealEstate #Contingencies101 #HomeBuying #PropertyInspections

Brian and Kindra drop some truth bombs on the real estate market! 🏡 From valuable insights to practical tips, they spill the beans on why your home might not be selling. Emotional attachments, unrealistic prices, and tricky showings—they cover it all. Ready for a reality check? Dive into the podcast for the full scoop and share your thoughts below! 💬 #RealEstateWisdom #TheBrianAndKindraShow"

Selling your home? Join us on The Brian and Kindra Show for valuable insights and practical tips to get your home sold fast! Today, we're talking about the importance of pricing strategically, the four key factors you can control in your transaction, the impact of time and price on selling your property, and more! 

Join us as we share valuable insights and practical tips on selling your home during this festive season. From creating a cozy atmosphere to highlighting key features, we've got you covered. Tune in to make your home stand out and attract serious buyers.    

Hey, friends! On today's episode, we're diving into winterization tips to keep your home cozy and safe during the chilly season. From disconnecting water hoses to insulating doors and windows, we've got you covered! Tune in as we share our favorite stories, discuss the do's and don'ts, and offer valuable advice to make your winter hassle-free. 🏡❤️ Don't miss out – grab a cup of cocoa and join the conversation! 🚀 #Winterization #HomeTips #TheBrianAndKindraShow

In todays show, we delve into the world of real estate scams. From loan modification scams to impersonation scams, they expose the tactics scammers use to target vulnerable homeowners. Learn how to protect yourself by verifying offers, consulting local professionals, and reading the fine print. Don't fall victim to deceptive schemes; arm yourself with knowledge and safeguard your home and finances. Tune in for valuable insights and practical tips on navigating the real estate landscape.

Join us on The Brian and Kindra Show as we dive into crucial tips for staying safe at home. In this episode, we're joined by Mike Wickware, Woodward's Fire Chief. We discuss the importance of fire safety, the dangers of grilling too close to your house, and the potential risks of space heaters. From escape plans to landscaping, we cover it all to help you protect your home and loved ones. Don't miss this valuable episode filled with practical insights to keep you safe and secure!

Join us on The Brian and Kindra Show as we explore the world of real estate and dive into the key things you need to know before becoming a real estate agent. We'll discuss the initial expenses, income uncertainties, and irregular hours that come with the territory. Discover practical tips and invaluable insights to help you chart your course to success in this dynamic industry. Whether you're just starting or a seasoned pro, this episode will provide you with the guidance and knowledge necessary to thrive as a real estate agent.

Join Brian and Kindra as they dive into the world of new construction homes. They discuss essential questions to ask when buying new construction, from termite treatments to homeowner association rules. Learn how to make informed decisions and ensure your new home meets your expectations. Don't miss out on valuable insights and practical tips for a smooth home-buying experience in this episode of The Brian and Kindra Show!

Join us on the Brian and Kindra Show as we discuss the ins and outs of investing in rental properties with special guest Casi Nichols from Stark Horse Property Group. Learn about the key factors to consider when entering the rental market, the importance of property condition and amenities, and the benefits of having a property manager to streamline the process. Whether you're a seasoned investor or just getting started, this episode has valuable insights to help you make informed decisions in the world of real estate investments.

On today's episode, we welcome Kammie McAbee of Elizabeth Real Estate Appraisal Company. We discuss various aspects of real estate appraisals, including the challenges appraisers face, the impact of changing markets, and the importance of understanding the difference between appraisals and home inspections. We'll also share anecdotes from the field, such as encounters with unexpected obstacles like protective pets, and address common questions and misconceptions about appraisals. Join us as we provide valuable insights into the world of real estate appraisals!

Hey there, it's Brian and Kindra! Today, we've got Nathan Holliday with us to share some experiences with real estate photography in our small town of Woodward, Oklahoma. We'll dive into the importance of lighting, decluttering, and depersonalizing your home to make it camera-ready. Join us as we explore how professional photography can make a significant difference in attracting potential buyers to your property!

Welcome! On today's episode of The Brian and Kindra Show, we take you on a valuable journey to debunk common myths about home inspections and provide practical tips for navigating the home inspection process. Discover the importance of home inspections, what questions to ask your inspector, and why we believe re-inspections are a smart idea. Gain insights into the world of home inspections and make informed decisions when buying or selling a property.