Grateful Dead, AI in Mortgages, and Surviving the Market Shift

Robert Fillyaw [00:00:17]:
Hey, everyone. Welcome to the next exciting episode of Lending Leadership with the Mortgage Pros. Robert Fillyaw here joined with Dave Holland. Hey, Dave.

Dave Holland [00:00:26]:
Low that was low energy, Robert. That was low energy.

Robert Fillyaw [00:00:29]:
That was not low energy. Don't be giving me gruff, dude.

Dave Holland [00:00:32]:
It's just me and you. We got no Tom today.

Robert Fillyaw [00:00:34]:
No news.

Dave Holland [00:00:35]:
I'm flying to Vegas tomorrow to see dead and company at the Sphere. So For the second time. What's second time. Yeah. I mean, hey. I mean, see the dead once twice a year. They got their, sixtieth anniversary. I guess they just announced it.

Dave Holland [00:00:53]:
Polo Grounds, somewhere some park in San Francisco, August First, Second, And Third. I know, Robert, we tried to get you in the dead. You tried a little bit. You didn't try hard enough. Grateful Dead's an acquired taste.

Robert Fillyaw [00:01:04]:
Listen. I I've listened to it a little bit. It is an acquired taste. I don't get it, number one. It's, but I'm I'm really bummed that I'm not making Vegas. By the way, I I know you guys invited Lacey and I. We're we're not gonna make the Vegas trip that you're leaving for tomorrow.

Dave Holland [00:01:20]:
Tomorrow? I was still sure that hope.

Robert Fillyaw [00:01:23]:
I'm sure you probably had had realized that, but, this is my official notice to you that we're not gonna make the Vegas trip. We tried. We just

Dave Holland [00:01:30]:
couldn't put it together. Couldn't get together. Well, one of those things about the dead is a lot of people don't they think it's some psychedelic band that drones on and on. Fair, some of the songs are. But a lot of stuffs like country western, rock and roll, r and b, it's not all, you know, Jerry Garcia on a twelve minute, solo. There there's in my opinion, it's the greatest American rock and roll band.

Robert Fillyaw [00:01:54]:
In my opinion. Differ on opinions there. Yeah. Fair enough. Yeah. I listen. I'm just really bummed I'm not making it to Vegas. I can't wait to see something in the sphere.

Robert Fillyaw [00:02:03]:
I hear it's epic. You've been you said it's awesome. So I I just honestly, I I miss blackjack. I just I really wanna just have, like, a nice, like, four or five hour blackjack session. So we didn't gamble at

Dave Holland [00:02:15]:
all last time. Not not a single penny on gambling, one late night. You know, those, the casino games that have the horses that go around the whole miniature horses. We almost did that, but the group we were hanging out, we lost them in the casino. We got lost. It's like 4AM after the dad show. So no gambling. We got a bunch of good meals lined up.

Dave Holland [00:02:34]:
We're going hiking in the desert. Looking forward to we we never been to Vegas before last year, and I didn't realize what a, what a wonderland it is and, you know, culinary capital of The US probably. I mean, we're staying at the Venetian. And I said to Lindsay, we're not flying we're flying at 06:30 tomorrow. Right? That's Wednesday. So, hey, let's just go to the Venetian and grab something. So we don't have to take an Uber. We're gonna get there, be tired, drop our stuff off.

Dave Holland [00:03:00]:
So I'm like, I bet they have a couple good restaurants in the Venetian. Oh, jeez. They have three high end steak places. They got a Wolfgang Puck, place called Cut. They got a Smith and Lewinsky's, and then what's Eagle double rare? There's one in Pittsburgh too. So they have, like, three bonafide high end steak places, two great Chinese places. We're having, dinner before the dead out of Hong Kong. I got Hong Kong chic place, you know, a new new chef, but those those casinos are like little little cities in themselves.

Dave Holland [00:03:34]:
It's it's nuts.

Robert Fillyaw [00:03:35]:
No doubt. Yeah. You can't go wrong in Vegas. It's an adult playground. I love it. Probably, easily in the top three of of towns. Maybe at the top. Maybe.

Robert Fillyaw [00:03:45]:
It depends.

Dave Holland [00:03:45]:
It depends on we're just learning our way around. Right? This is our

Robert Fillyaw [00:03:49]:
second time. It depends on how the blackjack sessions go as to how much I love it or not.

Dave Holland [00:03:54]:
Oh.

Robert Fillyaw [00:03:55]:
Listen. Our topic today is no topic. We're just gonna we're we're just gonna spend, like, some time just chewing the fat. You know, when we started this podcast, we wanted it to be a little looser than than, frankly, it's been. So today is gonna be super loose, maybe too loose, but, yeah, that's that's what we're gonna do today.

Dave Holland [00:04:15]:
And I like how we're both coordinating blue into our listener. We didn't That was not planned.

Robert Fillyaw [00:04:20]:
It was not planned. In fact Great minds.

Dave Holland [00:04:22]:
I wore this shirt yesterday too because I have all these, like, all these polos. Oh, hey. You know? That's two days wearing the same shirt isn't isn't the end of the world.

Robert Fillyaw [00:04:30]:
It's not okay.

Dave Holland [00:04:31]:
It's not okay. Listen. I don't see anyone in the office. I'm not seeing anyone. I had someone with lunch today, and I had lunch with them yesterday.

Robert Fillyaw [00:04:39]:
Personal hygiene,

Dave Holland [00:04:40]:
like, listen. I showered twice yesterday.

Robert Fillyaw [00:04:43]:
Worked out

Dave Holland [00:04:44]:
It's a little worked out in the evening.

Robert Fillyaw [00:04:45]:
It's a little different though because I'm in Florida. Right? And it's May. Yeah. You sweat. I sweat, anyway. You can't wear the same shirt twice unless you like, it would literally be wet under the pits the next day when I put it on.

Dave Holland [00:04:59]:
So Pittsburgh, the spring is interesting even though we're in mid May. It could be thirty nine in the morning where, you know, I'm tempted to turn on the furnace and sometimes I do. And then the Second Floor of our house gets really hot. I could have the AC on by, like, noon. So that's just how springs are in the, Mid Atlantic, you know, East Coast. Yeah.

Robert Fillyaw [00:05:22]:
I get it. I get it. I think it's still gross that you're wearing the same shirt two days in a row. Like, at least give it a day to air out.

Dave Holland [00:05:28]:
Well, you know, a full transparency on the on the mortgage pros today.

Robert Fillyaw [00:05:32]:
Yeah. Yeah.

Dave Holland [00:05:33]:
You know, this is a lot better without Tom, I gotta say. Don't don't you agree?

Robert Fillyaw [00:05:36]:
I think I think Tom's maybe the stiff in in this group. Yeah. Yeah. We love you, Milsie. So Shout out to him. He's he's at some event, a realtor event, I think. I think you're right. Yeah.

Robert Fillyaw [00:05:48]:
Hey. Listen. I had a question for you. We talked about it a little bit, and I know where I sit. This has been all the rage and a lot of discussion. A hundred men or one gorilla? Who's gonna win?

Dave Holland [00:06:00]:
Well so that that's how we ended the podcast last time when we went off air. I was, like, of two weeks late to that. You know, I'm not on social media very often.

Robert Fillyaw [00:06:10]:
Yeah.

Dave Holland [00:06:10]:
So I clicked on one Facebook short, and next thing you know, everything's dominated by it. I know. It's gonna depend on the men. Right? You know, obviously, no weapons. You know, I think if it was coordinated, I I can't see a hundred men not be able to beat up one gorilla. I I just can't see that happening if timed. Right? If we all onslaught at the same time.

Robert Fillyaw [00:06:32]:
Yeah. I think I think the the argument is that, you know, you can only, like, only so many people can attack at one time and the gorilla can dispatch those people relatively easily, which I agree with. However, hundred men win, hands down. And the reason being is that gorilla's gonna get tired.

Dave Holland [00:06:51]:
I would say, what's a gorilla's endurance like?

Robert Fillyaw [00:06:53]:
Yeah. Right? Yeah. Like, the the gorilla's gonna get tired, and once it gets tired and, you know, then it's game over. Now the first thirty to 40 dudes are gonna catch hell. They are not gonna like life afterwards. They are gonna be if they have life. Dead. They may be dead if they even have life.

Robert Fillyaw [00:07:10]:
Right? But once you get past that, like, forty forty person tipping point, I think that the odds move into the, the human's favor and the gorilla probably subsides.

Dave Holland [00:07:22]:
So So bigger question outside of hundred men versus one gorilla is, who started this?

Robert Fillyaw [00:07:28]:
What yeah. Where did this even come from? Why are we even talking about this? You know, I saw another one recently that a hundred British versus a hundred Americans. I've seen this two or three times, and I'm like, hello. Haven't we seen this show? Yeah. 1776. We know we know how this is gonna go.

Dave Holland [00:07:46]:
In the war of eighteen twelve. We we did it twice.

Robert Fillyaw [00:07:48]:
Right. Johnny Horton even wrote a song about it. Right? Like, we we know how this goes. We can replay it for you.

Dave Holland [00:07:54]:
I I haven't seen that, and I'll have to check that out.

Robert Fillyaw [00:07:56]:
You haven't you haven't seen it on social media? Uh-uh. Yeah. Yeah. It's out there. I've seen it maybe three or four times where they're asking about. One one is a guy that is, an Englishman, a Brit that's been living here for a few years, and he goes, I'm my to my British fellows, I'm I can't do that accent. I'm just gonna tell you easily a hundred Americans. It's not even a question.

Robert Fillyaw [00:08:21]:
He goes, have you ever shaken an American's hand like a farmer, like a real like, he goes, they they will crush us. There's not even a a, you know

Dave Holland [00:08:29]:
I mean, I guess it depends what type of Americans are we talking about and what what what type of British are we talking about? Right. You know, we we may wander into some territory we don't wanna get into. So let's so let's change

Robert Fillyaw [00:08:40]:
the subject. Yeah. We're gonna change the subject. I'm just saying, you give me well, anyway, 1776 and 1812. Back to, like, two examples already.

Dave Holland [00:08:50]:
Yeah. Maybe, maybe not the, soccer dads or the guys living in the suburbs who sit at their desk all day like us. But, you know, we're we're we're tough we're tough soccer

Robert Fillyaw [00:09:01]:
dads, though. I mean, we're Listen. Listen. I spent eight years in the marine corps. Like, that that warrior is still tucked down there somewhere. Like, he's still here. He he he can rear his ugly head.

Dave Holland [00:09:14]:
I've seen him. I've seen him once or twice.

Robert Fillyaw [00:09:16]:
That's true. That's true.

Dave Holland [00:09:17]:
Hey. So you've got kind of this new obsession with AI. Obsession might be too strong of a word, but, you know, I I think it's I'll put something in the chat too for our listeners, that I recently read. But I I think it's interesting, and I think in our business, you know, and then in our specifically, in our our life, generally, it's gonna play a big role. So I I don't wanna get caught flat footed. Like, I use it for and this is a whole episode, but basic stuff. Like Yeah. I I wrote, like, a pretty formal email yesterday and today.

Dave Holland [00:09:51]:
So I'll draft it. I'll, you know, I'll write it, but I won't anguish over it. Right? Yeah. Before I might have someone in the marketing team edit it or edit my social media post. And now I just draft it and let AI clean it up, punctuation, spelling, stuff like that. And I, you know, put in the tone, like, make this tone, like, conciliatory, make this tone, you know, with Wait.

Robert Fillyaw [00:10:15]:
What's You did you just say conciliatory?

Dave Holland [00:10:18]:
Yeah. Apologetic. You

Robert Fillyaw [00:10:19]:
know? Or I know what it means, Dave. I just you know?

Dave Holland [00:10:22]:
I'm I'm trying to bring out $10 words at least once a day.

Robert Fillyaw [00:10:25]:
Yeah. We have a source there next to you?

Dave Holland [00:10:27]:
Yeah. Well, AI gives me that too. Or make this, you know, make it a very nice email, but no room for comment at the end. You you could you know, it knows my tone. If if I put in tell me seven paragraphs about my business and my life, it will give me my AI will give me seven paragraphs. It's it's it's kinda shocking. It it never forgets anything. And it's fun making the goofy images too.

Dave Holland [00:10:56]:
That's that's also

Robert Fillyaw [00:10:57]:
the, the extent of what I've seen you on AI is really just terminator images. Like Oh, geez. You ever hear using words like conciliatory, and then all I see from you is terminator images?

Dave Holland [00:11:13]:
Sometimes her tuck in the background. Yeah. I mean, you know, we're having it review contracts, social media post. You know, if I go to Vegas, I'll say, hey. Give me, like, the top 10 places to get, example, champagne and caviar. We're not doing that, but it would tell me the top 10 places. I started using the $20 pay version because it can scrub the Internet, and mostly there's unlimited images too. But but it does do I mean, I think I mean, you use in emails and and stuff like that.

Robert Fillyaw [00:11:45]:
Yeah. I use it. I use it. I actually had it draft me, a perfect, like, fifteen, sixteen day trip to Italy with a focus on visiting these three towns and what are the must dos and where should we stay with Marriott properties. And and it it put together a really nice itinerary. I think we're gonna try to do Italy for Christmas. So Nice. Yeah.

Robert Fillyaw [00:12:07]:
It was cool. You know, Reagan and I had a conversation yesterday about it, and he was trying to convince me. Reagan, for those of you guys who may or may not know, is my 15 year old son. He was trying to convince me that AI is perfectly okay to use for school as long as he rewrites it in his own words. So he'll do the opposite of you. Like, you're taking the first pass and then have an AI clean it up. He'll have AI do it and then Reaganize it, I guess, for lack of a better term to and I'm like, But is it really? Don't you lose,

Dave Holland [00:12:40]:
like, your like, we already have a lot of the critical thinking skills. Right? Because we had to write papers and essays and tough emails. You know? But if you don't have those skills and AI is doing it for I I don't know. I'm not an educator, but I would think the way we're doing it, you know, sometimes when I'm lazy, I'll just start an email and chat GPT and have it reply for me. Yeah. At the end of the day when my brain's mushed. But, generally, you need to have those critical thinking skills.

Robert Fillyaw [00:13:11]:
Yeah. That's that's the camp that I'm in. And I'm like, bro, you you need to do the work. Like, this isn't doing the work. So, yeah, interesting conversation. He's driving now, by the way, which is absolutely terrifying. Him and Liberty.

Dave Holland [00:13:24]:
Per permit. Permit. So someone's gotta be

Robert Fillyaw [00:13:26]:
in the car. Yeah. I I gotta I gotta be in the car with him, which is taking ten years off my life. I bet. So I bet. Yeah. The AI piece is is, you know, it's revolutionizing our industry, and it this is gonna look very different in five years than it does now, and that's something we're trying to tackle and kinda get our arms around. So, it's interesting to see every day some some new aspect of it.

Dave Holland [00:13:53]:
I I think for the LOs out there listening, what it's gonna be is you're gonna make less bips per loan, but you're going to do more loans. It's not going to replace you at least in the foreseeable future. I mean, who who knows what the future holds with artificial intelligence. Right? Especially when we hit, you know, artificial general intelligence, that's a whole separate conversation. But you're gonna do more loans, less bips. You're not gonna be left behind unless you're not using AI at all. It's gonna leave the loan officers who are already on the kind of the on the fringes, who aren't using technology every day and who aren't using AI. It's gonna speed up and probably those people will exit the business.

Robert Fillyaw [00:14:37]:
Yeah. Unfortunately. It's just one one more, you know, example of change, and that's only constant in our business. And I I agree with you. You know, I think the other piece is you're gonna less bids, more loans, but it's gonna be a lot easier, right, to do those loans.

Dave Holland [00:14:52]:
Mhmm. A lot

Robert Fillyaw [00:14:53]:
a lot quicker, a lot more efficient. So, yeah, I think that's definitely definitely what we're seeing. It's interesting, though, when you talk about the the learning aspect. I I'm vetting some AI vendors and looking at some partners for us, and one of them specifically said that their process has removes bias. Right? So you get a more consistent, it it's it's an underwriting aspect. You get you get more consistency in kind of the same way every time, and it removes bias. And for that reason, they actually don't have the learning ability turned on because they don't wanna introduce bias and if to learn bias, which I thought was kind of intriguing. Yeah.

Robert Fillyaw [00:15:34]:
That is intriguing. Hey. I got a question that I've been wondering that I've never had a chance to ask you. I'm just gonna throw it out here on air. Uh-oh. Extraterrestrials, alien life. Yes or no? What do you think?

Dave Holland [00:15:47]:
I mean, so if you look at if you look at our galaxy, right, just the Milky Way, and I I don't know how big it is across, like, a hundred hundred thousand light years. Does that sound right?

Robert Fillyaw [00:15:57]:
I have no idea. It's big.

Dave Holland [00:15:59]:
It's a hundred thousand light years. Right? And I think within our galaxy, there are hundreds of billions of sums, right? So I believe that's accurate. And there's hundreds of billions of galaxies. So just by, you know, by sheer numbers. Yeah. Of course, there's, you know, it it could look completely different. Right? It could it could be have, you know, the movie Arrival, that's that's really good where they're speaking like in, they're like octopus type creatures and they're speaking in, ink. You know, could be like that.

Dave Holland [00:16:34]:
It could be artificial intelligence. Right? Could be a civilization that advanced, created artificial intelligence. Artificial intelligence takes over and they're just coming to coming to get us. But it takes them it's gonna take them a million light years to get here.

Robert Fillyaw [00:16:47]:
So yeah. Back to the Terminator. Yeah. Right? Back to Terminators. This is how we get Skynet. No. I agree with you. I I think it's pretty naive to think that we're the only.

Robert Fillyaw [00:16:57]:
Right? When you look at the the just the the vastness of it to say, hey. We're we're the only ones out there. It's kinda kinda naive and and also, you know, a little bit, maybe self centered. That's not right, but you get the gist.

Dave Holland [00:17:11]:
But self centered. Yeah. I mean, in the in the middle ages, everyone thought the, sun revolved around us. Right? And it was Harris suggest. Yeah. It was Harris. Well, you know, what's the number? I think the number is I shoulda had well, come on have this prepared because I know what we're gonna talk about. It's like 50% of Americans think the sun revolves around us.

Dave Holland [00:17:35]:
Yeah. Well, listen. That that's a whole different tangent that we wanna talk about.

Robert Fillyaw [00:17:40]:
Like, what about the Americans or not the Americans, but the people out there, the flat earthers.

Dave Holland [00:17:45]:
Flat earthers, then we're in a dome. And and the people that

Robert Fillyaw [00:17:48]:
think we're in a dome.

Dave Holland [00:17:50]:
Yeah. Where people think we're in the matrix.

Robert Fillyaw [00:17:52]:
Yeah. Yeah.

Dave Holland [00:17:54]:
I'm I'm sure I'll see some of those people at the Grateful Dead concert on Thursday. Far out, man. Yeah.

Robert Fillyaw [00:18:03]:
That's fun. I'm I'm jealous of your trip. I don't I'm so we're going I haven't told you this. We're going to Napa in the June. So I'll be back out there for a few days. Nice. Nice. I'm sure the friends

Dave Holland [00:18:15]:
would see a good wine for me.

Robert Fillyaw [00:18:17]:
Yes. Yes. Always. What else should we talk about, David? What what any current events? Like, I feel like current events are a taboo subject because there's no way to talk about it that isn't politicized today. Right? Like

Dave Holland [00:18:30]:
Yeah. I mean, you know, recently, looks like we have a handshake deal, soft handshake deal with China on a trade deal and, of course, what do you

Robert Fillyaw [00:18:39]:
think that's gonna do for us in terms of pricing in the near term and the short term?

Dave Holland [00:18:43]:
Well, pricing got worse on Monday. Pricing got a little worse today. So it's not positive. I mean, we keep thinking rates are gonna go down. We're gonna have a refi market, you know, at least some refinances, and it's we've we've been doing some here, but it's very infrequent. So at some point, the market has to give the mortgage professionals something. We're we're closer than we've ever been. Every day,

Robert Fillyaw [00:19:12]:
we're closer than we've ever been.

Dave Holland [00:19:14]:
True. It'd be great if we had in the fourth fourth fourth and first quarter. Right? We could go just rolling into the spring market.

Robert Fillyaw [00:19:20]:
Right

Dave Holland [00:19:21]:
in. That that would that would be ideal. That would solve a lot of mortgage companies' problems.

Robert Fillyaw [00:19:26]:
Like, in a lot

Dave Holland [00:19:26]:
of mortgage companies' problems. Like, in a lot of

Robert Fillyaw [00:19:27]:
mortgage companies that into the in into the Put that in the ether. Just right there. Out into the universe, like, fourth and first quarter. Let's go.

Dave Holland [00:19:38]:
Yeah. There's a lot of mortgage companies that are on the edge. And if this doesn't turn, they've been holding on for a long time that they're gonna have to change the face of their organization or finally packing it. You you can't lose money every month for three or four years and be a viable concern.

Robert Fillyaw [00:19:57]:
I, maybe unpopular take, You know, we we we started down this road in 02/2018 and the beginning of nineteen, and it was, you know, short there are some companies on the ropes, and it was short lived, and then we all know 2021. And this has been a long like, it's it's been a long window. Almost like, I want some of those players to just get out of the game.

Dave Holland [00:20:23]:
Yeah. Yeah. I mean, you know, some of the some of the people have hung on. They made a lot of money in you know, don't forget the second half of nineteen was pretty amazing too. Yeah. It was. Great. In the first quarter, '20 '2 was decent.

Dave Holland [00:20:37]:
But, yeah, I mean, there's a lot of people who made a lot of money. Hopefully, they didn't give it all back that are probably close to retirement age or been hanging on for this to turn or to pass it to the next generation. Yeah. I think it's not only companies, and there's one there's several in every marketplace, but it's also LOs to that are closing, you know, one or two a quarter. You know, we have had a comp had a focus on that at our company, because it makes it operationally harder for us to, you know, navigate, you know, everything that we do with the company as owners. So I think I think we've seen some some companies already, you know, quietly fold up, or we call it a walkover where they just drop the keys over to the company that's, taken over because their company is not worth anything, unfortunately.

Robert Fillyaw [00:21:28]:
Mhmm. Yeah. I think it's it's, you know, just that consolidation's gonna continue. And I think to your point, we're gonna see it in the LO level also. Right? So those you know, you take 10 LOs doing two loans a month. As they exit, two or three LOs are gonna pull those 20 loans in. Right? And I I think that's what we're gonna continue to see. So you're out there.

Robert Fillyaw [00:21:50]:
You wanna be one of those LOs that, you know, are adapting to to the moving and changing times, taking care of your clients, you know, being best in class, being a an adviser, not a commodity. So as these exit happen, you can you can capitalize on it. We've seen it with with real estate partnerships. Right? As Yeah. As LOs have exited the business, we have originators that have been calling on agents for years without any traction. And then all of a sudden, I remember a story where we had one where the LO got out of the business and went to, like, do road work, like, making roads. Right? And a realtor called that this our LO had been chasing for literally, like, two years. It's like, oh, my LO's out of the business now.

Robert Fillyaw [00:22:36]:
You're up. Let's go. So the seeds you plant today are the fruit you harvest tomorrow.

Dave Holland [00:22:41]:
Well, we gotta have one more off the wall topic. What is it, David? I don't know. Who who's Florida? Are you gonna go to every Florida game next year?

Robert Fillyaw [00:22:49]:
I will not be at every Florida game next year. Schedule out? Schedule's out. Yeah. Schedule's been out. So not not gonna be at everyone. I'll be at every home game. And it looks like my away games are gonna be Miami, and Ole Miss, which I'm really, really excited about tailgating in the growth. Super excited.

Dave Holland [00:23:13]:
I don't have any exciting sports stuff, but Steelers are playing. They just announced it today in Dublin, the twenty sixth or the September 28. So, I'm sure they'll get charter flights from Pittsburgh, but it sounds fun.

Robert Fillyaw [00:23:28]:
Are you going?

Dave Holland [00:23:29]:
I think if I can get some of my cousins to go, both, male and female, and some buddies. Yeah. I think I'd go. I mean, I'm not you know, I've seen the Steelers, you know, a hundred times, but just go to Dub Dublin's a great city.

Robert Fillyaw [00:23:42]:
I'd love to go to Dublin. I know you're not invite like, that wasn't invited.

Dave Holland [00:23:45]:
I mean, that's kind of a soft invite. You kind of invited yourself. It's it's only a five hour time difference. We could get there on a Thursday and fly back on a Sunday.

Robert Fillyaw [00:23:53]:
Yeah. What's the date? Florida has a bye week in late September. So, like, it might align perfectly. I'm just saying.

Dave Holland [00:24:00]:
My email's off, but I got my Outlook up.

Robert Fillyaw [00:24:03]:
That's fine.

Dave Holland [00:24:03]:
You can Don't yell at me, Rachel. Steelers. September Sunday, September twenty eighth, and we are playing the Vikings.

Robert Fillyaw [00:24:12]:
The Vikings. I think the twenty seventh let me look. I think September 27, we have a bye week. Is this You heard it you heard it

Dave Holland [00:24:22]:
if you've been far in the podcast, you heard it here first. Robert and Dave are going to Dublin to see the Steelers.

Robert Fillyaw [00:24:29]:
Robert and Dave do Dublin. Watch out.

Dave Holland [00:24:31]:
Do you like Guinness?

Robert Fillyaw [00:24:33]:
I love Guinness. As long as I don't get the muds.

Dave Holland [00:24:36]:
I like the muds. Yeah. We won't we won't to dissect that amount, but a lot of people don't realize that, Guinness is a light beer.

Robert Fillyaw [00:24:45]:
It's a very light beer.

Dave Holland [00:24:47]:
Low alcohol, low carb, low calorie.

Robert Fillyaw [00:24:49]:
It's meant to drink a whole lot. It's a great breakfast beer, I've heard. Mhmm. That's a good stopping point. Hey. Thanks, thanks everybody for joining us today while we just chewed the fat a little bit. If you haven't hit that subscribe button, take this opportunity to do that now. Go ahead and leave us that five star review.

Robert Fillyaw [00:25:07]:
We really appreciate it. If you're out there in, the mortgage world and feel lost, don't have the leadership, your business is stagnant, you you you just don't have a plan and would like one, we'd love to chat with you. Hit us up. Really good at that stuff. No commitment, you know, no obligation, totally confidential. We'd love to chat with you. So hit us up. For Dave Holland, Robert Fillyaw, lending leadership with the mortgage pros.

Robert Fillyaw [00:25:34]:
Thanks for tuning in, y'all. Thanks so much.