KGCI: Real Estate on Air - All Things Title Insurance with Zack Minnis

Episode Date: April 30, 2025

Welcome, guys, to another episode of Realtor Hacks Tips and Tricks. I'm one of your host, Hally McCrory, based in both San Angelo and Dallas, Texas now. Super exciting. We just made a little expansion to Dallas, so keep us in mind for that. And I've got my lovely co-host, Casey Stiers on. She's based in Raleigh, North Carolina. You know, all things downtown Raleigh, but she also works the coast. Lots of deals going on in Wilmington.

and Carolina Beach. So you can think of her for those. We're both with EXP Realty. I'm a two-time icon agent. We both host for American Dream TV, Emmy-nominated TV show, all about real estate and lifestyle and both of the cities that we work. So, yeah, that's a little bit about us.

And today we have on one of my very, very best close friends, Zach Minnis, based out of Houston, Texas. I'm trying to get from back to Dallas. We can see him more often, but we'll see about that. But I'm really excited to have him on today. He's been in the real estate industry for a while now. He's always been one of my go-toes when we, you know, we just talk about what's going on in the market

because he was in mortgage before, and now he's in title insurance. I'm sorry to my dogs are, like, fighting in the background right now. So just ignore them. But yeah, you know, I just, I feel like a lot of agents, especially newer agents come to me and don't always know like what goes on on the title side and especially not with what goes on on the insurance like the title insurance side or even how that's even set up so i'm excited for zach to come on today um welcome zack

thanks alex yes okay so zach i want to start this off like tell us a little bit how you got into real estate in the first place like because i know it's like it's family for you which was same for me my mom um she she worked in mortgages she was an agent worked for builders so um i always think that's important yeah absolutely uh for me it was you know my family got me into it which if you ask anybody else in texas that's that's typically a similar story there uh big family family family industry. But yeah, I started working at a title company in Houston and that my dad was running at a high school and through college work there as well. And then worked for a mortgage company. Had a couple internships in commercial real estate, a couple loan officer shops.

And when I graduated, I stayed on with one of those loan officers. and started working with him. And after about six, six, seven months, I became a loan officer and passed the test and started working with great realtors like, and so I did that for about three years. And, you know, after COVID and doing that, being super busy, you know, and having my entire refinance pipeline dry up, I decided to look for into something else. decided to get back into title insurance. Yeah.

And so I just started talking, started talking with people that I knew in the industry. And one of the companies was looking to hire a sales rep. And I was like, that's perfect for me. I've been doing sales for the past, you know, three years. And so it's in real estate, same industry, really. And it should be a quicker learning curve for me. Yes, absolutely. And so I did that, moved up to Dallas for two years.

and called on agents, title agents in East Texas. So, and not to get ahead of myself, but a little bit of what I do, like my job description, I guess would say is I'm an agency rep. And so what that means is I'm the liaison between the title insurance company and the independent title company all over, independent title companies all over Texas. And so I work for a company called Stewart Title. we're the fourth largest underwriter in the nation. I was hard to say I would guess y'all were number one because I feel like I see Stuart

everywhere. We're really big in Texas. We're a Texas company. So we're founded in Galveston in like the 1800s. We're super old company. We've been around for 130 years. And so, but yeah. Did you say 31 years?

130, yeah. That's, yeah. That's the reason if you know how everything go, like, like, if people don't know this, when they look at a title for, you know, the house that you're selling, they go back as far as they can in the history of time to make sure there is a clean chain of people buying and selling and that that chain was never broken at all. So like when you work in the title industry, it is very much a history based position.

Yeah. It's just crazy to me, you know. Absolutely. It's super interesting, you know, and it's super important for a real estate transaction as well. And I think it makes you, y'all's job easier to some extent from a marketing perspective. Oh, yeah. Marketing, but then also just like covering our butts too,

and whatnot. not like that's i mean that's that's where really you come in is like okay so tell tell us what title insurance is in general it is a title it's insurance for lenders and owners and uh it protects protects against detect defects and title and so what that means is you know uh you know Why don't we tell the example of the deal Collins going through right now? Right? That's where like title insurance would probably come into play. Remind me.

Okay. Okay. Okay. I'll tell the story and then you tell me where it comes in. So, okay. So Colin, okay, so we, okay, so Colin flipped a house. It was a house and then it also had another, it was a double lot. The house was on one lot and then it also had an empty lot next to it.

So what Colin, when they, you know, when him and his dad went to buy this property before they even flipped it, they said, okay, we're going to flip this house and we're going to separate the two lots. We're going to keep the empty lot for ourselves and remodel this other house that's on the other lot and sell that house with its lot. and we're going to keep this other lot that has nothing on it and use that lot to build. Okay. So, right, you know, now we sold that probably, probably two years ago, and I've held onto this lot until we were ready to build something on it. And we went through a title company we hadn't used before. That was, you know, a whole other story, how we got involved with them. but we you know we made sure on the contract that that lot wasn't conveying you know you know

in any of the documents we signed at closing we made sure it wasn't conveying however now we're going to build on this property and we find out that the title company actually deeded over regardless even though it wasn't on the contract or anything the title company still deeded over this freaking lot so we're like you know what do we're do now and it's an issue too because we've called the title company and no one seems to be able to answer the phone no one can help us it's it's pretty ridiculous this is not a san angelo or dallas face company that that i'm aware of it's like a mobile or it seems like it's like a virtual title company maybe i'm sure they have some offices but we did everything virtually with them i won't

name any names just in case but um yeah so you know now and we actually have a a contract like pre-built for someone to or like that's pre-buying this house that Collins buying. So it's like what we do? So I think this is a situation where title insurance maybe comes in. Yeah. That's that also just sounds like a like a situation where, you know, you got stuck with a bad title company. Like yeah. And you know, maybe what's a better example of where someone would need title insurance?

you know if let's say you know I'm unmarried right so let's say I bought this house last week and when I'm single and then I get married a week later she moves in for a week. Mary? You're listening to this Mary? I'm not a technical and then and then she moves in for a week you know but the loan the house is in my name she moves in for a week and then we we call it Splitsville and she marriage. Yeah, hypothetical. And then I sell my house. I'm technically going to have to get her signature, right? Because of our paybaw, our common law. Yeah, that's a common law deal. Yeah. And I sell that property and, you know, somehow it gets through the, it slips through the cracks that,

you know that she didn't sign you know if when that new owner tries to sell their house and they're going to probably run into some trouble because they didn't have the authority from her and the original wife and to sell the house and so that that would be a situation where a claim would pop up uh sure divorces all the time mess mess mess divorces make things messy uh marriages, divorces, deaths, people dying without wills. That's a big one. Yeah, make sure you got the wills scored away. But yeah.

And then just, you know, human error, right? Yeah, absolutely. So are title companies more of the ones making claims with you guys, or is it, you know, buyers and sellers or both? So, yeah, on your policy, you know, it tells you how to make a claim. And typically you just reach out to a, to a steward claims attorney.

Okay. And, but yeah, and then, you know, typically, if, you know, the underwriter will research the claim. Obviously, do the due deal,

do, excuse me, due diligence. I can't speak. And, and, you know, research, research the claim. And if they think that, you know, the title company made an error or if it was just a defect in the title from a long time ago, you know, my company will typically pay it. The underwriter typically pays that claim.

Yeah. Unless they decide that it's, you know. Are you guys an attorney based or title based state? So I believe we're a title based state. So we do you close with the title? Yes, we close at a title company and we close with a like an escrow agent, we have attorneys look over our, like they're paid for looking over the title, but an attorney is not the one closing us. And that's North Carolina. That's where we differ because the attorneys reach out to these title companies. Yes.

My best friend, she does. She works for key title. And as far as that goes, I have a little paper that I put in calling my buyers to request that. Other than that, we don't really have anything to do with the title stuff. I know it's very, very important to have. There's a deal I can't really discuss, but I mean, somebody is assumed land blown to them and that title insurance kind of. Right. Yeah. We don't, I guess like I'm, I'm involved and so like, okay, let's say we go under contract. Like, let's say I have the buyer and we go under

contract. After we have an executed contract, I'll send that over to the title company and CCN, you know, my buyer's lender, like any important contacts, like transaction coordinators, you know, anybody that's involved in the in the transaction. So that way the title company knows who all's involved. The reply back that they've received it, you know, execute the receded page of the contract, let us know that they've like have receipt of the contract, then people will send in earnest money, option money. That gets preceded by somebody at the title company and sent to us. Like a lot of times we have to fill out buyer or seller forms for our clients that just give like basic details of whether they're married or not. Like the big questions that the title

company needs to know. Like if they're going through divorce, if there's a legal proceedings involving them, kind of stuff like that. The attorney does all this, and then they pick the title company. So the attorney picks the title company. You guys don't pick that? I mean, we can put in recommendations, but for the most part, they pick it. Interesting. And then it already holds title insurance.

If the sellers have it, it's cheaper for the buyer to just continue. Wait, say that again? Okay, so if they say the sellers have title insurance on a property, that when they bought it. And your buyers, if they look it up and they already have type, because we sometimes they'll ask, can you ask the buyer or sellers if they have title insurance? And that's what the attorney asks. And if they do, sometimes the company will work on a deal. Okay. Stay with that company. Got it.

I think a theater walking back there. Yeah. Okay, that's interesting, but they still do like a search on. Yes, that's the first thing. And that's why I had somebody tell me that it was a plot of land and they were selling a house. And they claimed the land went with it. But they were closed and they found out that the land wasn't even theirs. And I'm like, did you buy this land?

And they kept arguing with me. I was like, well, the title company would have found out like, they were going to find this out regardless. Right. And that's the very first thing attorney does is Poole's title insurance. And they're like, well,

they bought it in the 80s. It wasn't around then. And that's why when you said 130 years, I was like, oh, but it was around then. Well, gosh, in North Carolina was, I think, settled before Texas was. Yeah, so, yeah.

Something's fishy up there. That building didn't go through and they had to give their due diligence money back and earnest money back and everything back to the buyer for that. You can't just go say, well, I want that piece of land. I'm going to sell a little money. That's not how. So how many people like are like what's like an average amount of claims that a title company usually makes like in an average year? Like is it pretty minimal or? Yeah. And so, I guess like hopefully pretty minimal.

So I'm not, I can't just like, I'm not off the top of my head, I don't have like a number, but but that's why it's so, so important for people in my position to make sure that they're signing up agents that are, you know, that are just, that I'm signing up high quality company. Got it. And that I'm doing, you know, my job, you know, well enough to consult to where if they're having issues and clients are popping up, and then I'm going in and helping them, you know, and find solutions. Got it. Like why why did this claim happen in the first place or stuff like that and then giving resources around preventing stuff like that?

Exactly. Exactly. You know, a lot of my job is I take a consultant-based approach to it. And a lot of it is, you know, doing digging and, you know, asking those good questions to, to, to, to, find out where where these title agents are hurting and yeah and you know what aspects of their business i can help them help them with and if they are having claims you know what's causing those claims you know do we need to bring do we need to come in and train people do we need to come in and you know teach a class like what you know and this continue to happen yeah so so So you help them like kind of secure new business as well, right? Like with running those classes and stuff, like trying to get more.

Yeah, absolutely. Absolutely. You know, the way I look at it, I work for, you know, the title agent, and, you know, I just tell Stewart where to send my checks. You know. So, yeah, I mean, it's really just whatever I can do to help help them. If they need help, you know, we have as an underwriter, right? So we're a huge company.

We have a ton of resources. You know, we have a M&A program. If you want to expand, you know, if you want to start buying companies, you know, we have an M&A program. We have, you know, we have a full website, full of education materials. You can first CE. We'll come in and teach realtor CE. You know, we'll find resources.

help train escrow people, you know. There's a ton of things that we do for agents, and that's a very short list of them. Yes. Love it. So is there anything that you think that real estate agents need to know about the title side? Just it? You can say no on that, too. I mean, I'm just curious.

I mean, I would say just, you know, find, find a company that you like. And if you need any recommendations, let me know. Once you find somebody that, you know, that you work well with and that knows how you like, you know, knows how you like your, you know, to communicate, knows how you like, you know, to schedule closings, you know, and, you know. Yeah. That's kind of what I'm working through. I know you have some good

relationships with like a few companies in San Angelo that you love working with. I think that's just the most important part about it is finding people that enjoy working. Building that relationship. Exactly. Because at the end of the day, I'll be honest, I didn't realize how important how it was insurance was

until my best friend got into it. And she broke it down for me. And I was like, that's actually one of the most important parts of the deal. I mean, they're like, you know, to be the person that kills the deal. Right. You know, certain, you know, and the fees that are involved in a title insurance transaction are set by the state, right? And so, you know, you should be paying around the same amount for title wherever you go.

Yeah. You know, that is a formula for that. So I do, it's sales price. minus 100,000 times 0.00527, and then I add $832 to that. There you go. That's my formula for calculating tire loan insurance. Okay. Yeah.

I don't know if that's like if, what do you do, Casey? Do you calculate, like for an estimated net proceeds for the listing agent or something? Hey, Biggie, what do you charge? Yeah. I'm being serious. Yeah. You send me a rate sheet? Yeah.

Yeah, yeah. So, and then... Okay, so that's another, you can ask for a rate sheet. Yeah, ask them for a rate sheet. But like tax, like the real stamp tax or whatever, I have a formula for that that's added in and all that. That might be a North Carolina thing. You guys don't have to do that where you take the price of the house.

You divide it by thousand times it by two and bam. What is that for? It's stamp tax. I don't know that we have that. Don't have that. Stamp tax? The last time I, it's been a couple years since I filled out at closing. Got a $5,000 times it does.

Texas have stamp tax? Let's see here. No, unlike many other states, Texas does not impose a state transfer tax on real estate transactions. Oh, transfer tax. Yeah, okay. I haven't heard it called transfer tax, but yeah.

Well, I just Googled, does Texas have stamp tax? yeah so i mean it's okay much so i'm real stamp that's yep okay yeah interesting

and that we had to do it over and over and over and over and over and over again before i can learn it in real estate school and that was one thing i got down to i could do in a matter of seconds so interesting cool so and Zach just worked i guess like on the mortgage side too, like, do you have any, like, especially for new agents, do you have any

pointers of like what agents should be doing that you would see them not doing a lot of times when you work with agents, real estate agents? I worked with a lot of new agents when I was in the mortgage business. And so I did a lot of coaching, right? Yeah. I would say just getting educated, right? Yeah.

There's so much more that you don't learn studying for the real estate exam. Yeah. 100%. 100. You don't want it. I'm a big proclamation on just, you know, continue to find a minute.

I don't know how you guys feel in this, When I went through education school, I was a teacher prior to doing this. And we had to spend so many hours shadowing other teachers. And then that teacher had to watch us do it. I feel like real estate is, I mean, I'm not undercutting teachers by any mean. It's one of the hardest jobs ever. But real estate's just as hard. And you're messing with people's biggest purchases of their life, some people.

Yeah. And if there's an internship added in there at some point. I mean. Yeah. And that's how like when you get a license to be an appraiser, at least in Texas, you have to do like an apprenticeship. Mm-hmm. Being an appraiser in Texas is like, it's like a two-year apprenticeship.

It's like, it takes a really long time. Yeah, super long. And then they still give you low numbers. And then if you don't renew your license, you have to do another one year like internship or something like that. Yeah. Yeah. So it's.

Yeah. I don't know. I just feel like there should be something in there. Yes. That's my two cents. And I would have been sad to being made to have done that, to be honest with you. Yeah. Well, and that's, you know, all about, you know, what team you join or what organization, etc. And, you know, really seeing what they offer before you just hop into it. Right. Yeah. Yeah.

But yeah, I'm with you. Take advantage of the continuing. education classes that like steward title like you know what what different title companies or the title insurance companies are offering like when i first thought in i was just worried about like fulfilling what was needed of me and now i'm i'm like i try to attend whatever i can even if i get credit or not for it just so i'm like i'm not so i can be so i can best help my clients yeah and get referral from those clients too. Exactly. Yeah. And title companies put on classes all the time. And I know we're in, you know, we're in an office once a week doing a class. So, and, you know, anything from Title 101 to TikTok, we teach, you know, so, you know, we've got a

list of about, you know, 50 classes that, that title companies can choose from. We'll come in and and teach for the realtors. But, but yeah, those are all great and great resources of knowledge. And so I agree. Any other, like, little hacks, tips or tricks or any books you think that our agent should be reading or podcast? Anything you can think, yeah. Yeah, I picked up, I picked up a book the other day and I really like it. It's more like towards like consultant-based sales, but it's really great.

I got it right here. One second. I forgot. I forget the name. It's called a- killing me. I'm just kidding. Yeah, no, but I definitely,

real estate is a lot more of the consultant-based sales than. I've done a lot of different types of sales. I've done tech sales. I've done pharma sales. I've done, I've sold retail. in Whole Foods in college. Anyway, so real estate's a whole different type of

I don't even like sales. Well, I came from really no sales back on except for selling cell phones in college for like a semester. That all tell in the middle of like one of the stories. Oh my gosh, throwback. I forgot about all tell. Who bought them? A lot of people.

Yeah. I mean, it was somebody bought out Altel. I think it was like, who bought them? I was like, I don't have any problem.

No, my dad had Alltel and he had it on his, what was the Wauke-Tal? Your Wison bought them. Oh, got it. Remember the Wachy-Toki-Tockey phones?

Yes. Who made those? Motorola. I just remember my dad had it and he thought it was so cool. Yeah. I think, I'm pretty sure Verizon bought Altill there.

Yeah. Pretty sure. I switch, yeah, because my parents had all town. Yes. Do you find the name of the book? Yeah, yeah. It's called Let's Get Real or Let's Not Play. Who's it by?

Randy Illane. Okay. Yes. I'm going to love that. Oh, let's get real or let's not play. Yeah. Randy Illick and Mahan Kalsa. Yeah.

It's honestly like the best sales book I've ever. read yeah clarity authenticity and emotional intelligence i love it awesome great recommendation and forward by stephen r tubby he wrote something big oh he was uh the seven habits of highly affected people which is another great feels yeah okay he loved it thanks that thanks yes perfect well any any other uh last minute questions or or comments guys. I've some questions for y'all. I've got to just, I'm just curious because I'm, you know, I'm currently sitting in a rental house and I'm, you know, trying to get out of that situation. What, you know, what's the market looking like right now? What do you guys see in out there?

So I keep hearing different stuff. Like, like, I feel like 50% of people think rates are going to drop before the election. And then the other 50% are like, the presidential election has nothing to do with, with rates. The president doesn't determine rates. determine rates it's the fed so why would they you know change anything before elections or so it's so hard to say but as soon as they do there's a staff that says for every one percent of the interest rates drop another five million people in the u.s are are essentially like enter the market or let's say like are actually are able to afford what the monthly payments would be for like an average price home in the U.S.

So people are definitely still buying here. I mean, like St. Angelo was a little bit slower there for a little bit. DFW has been rocking and rolling for a while. I mean, just because we have so much growth, it's similar to Raleigh. Probably right now, we're holding that number two spot behind Austin as we keep teeter tottering back and point between one and two as the fastest growing. I mean, we have Apple. Yeah.

the biggest Toyota plants being built in Pittsburgh. We have RTP, which is one of the head pharmaceutical areas of the world. We have that fiber company. It has rocks and I don't know. President Biden keeps coming to visit it, and it just messes up my traffic day. Like it's, well, they shut down all the main roads when he's here. So it's like an act of Congress to get anywhere. But we have all those main things, and then we have an Amazon plant that's like right there in Barner.

And then they're building another one in Smithfield. So, I mean, we're the headquarters for a lot. And then the people that follow ACC. I mean, we've got UNC and Duke, which is one of the most watched games next to Super Bowl. So we have both of those colleges here. NC State, I got to give you this. I was like, don't know, no, no, we're playing with NCC. We just want to be nearly eight.

Yeah, so we have so many things in this area. And it is, I mean, if you price your house correctly on the low end, you're going to get multiple offers. If you do medium, you're going to be lucky. You might get one or two offers most. You go high, you're getting nothing. You're like a sitting duck. Yeah. And people, you like have a smell or something.

Nobody wants you. Yeah. Like it's it's the weirdest like the poor like if you're not priced on the lower end and most of my clients I don't think any showing but I've got a few that they still are living in those two percent interest rates days and they're not hearing that they're not going to get they're not going to walk away with two hundred thousand dollars in equity in there's just not and they're no matter which way I describe it to them I'm bringing one person offer after offer after offer. And he's like, I'm going to walk away with $150,000 in my pocket. I'm not walking.

And I'm like, where did you get this number from? Yeah. Like, yes. So it's all that's pricing. It really is. And it's like,

it, while rates are higher and it's harder for people to afford houses they want, if you can buy any house at all and get in now before rates drop and you can finance later. And I know everybody's, annoyed with like date the rate marry the house but it's so true because if like the assets are in sale right now like we're pricing under appraised values right now like if I get in a house that I've had two that we've we got an appraisal on and they they sold under the appraised value

so while the money's not on sale the asset is on sale right now so it's like you know people are so hung up on the interest rates and stuff but you can always refinancing that later and if you can you know it might not be your dream pump and I know that's that's tough to swallow on here but if you can get into any home and start building equity i mean you're going to be sitting pretty when these interest rates drop because that's one thing for sure i feel like they are going to drop it's just a question of when right are they going to go back to no more than monthly not but they may go down to fives and that's going to leave you sitting very very pretty and then you can refy right but it just

scare some people they're terrified and i know but even just like the like the cheapest condo like a one bed one bath and like and you can you know stay in that just for a little bit and then you know as soon as you know you have enough equity take that out and buy something else and and make that you know something like that so and not everybody can do that right now i i i I fully realize that, but if you can, and even if it's not your dream home, do that now. I mean, there's literally your net worth goes up 40% when you go from renting to owning, which is crazy. That's the number one builder of wealth in our country, maybe the world. So that's my two cents on it.

But yeah, I get it. We're sitting at like sevens right now. Yeah. Yeah. But my investors, I mean, they're having fun right now. Yeah. The ones that stock away cash, they're having a, they're having fun. They're not multiple offers anymore.

Yeah. And it's like as soon as, if you buy now and we do have a drop, depending on how big the drop is, it's probably going to go into like multiple offer situations again because most of the country doesn't have enough inventory. So we, I think we're going to see another push on while prices are kind of dropping right now, I think once rates do start dropping, we're going to see another little increase in prices even more. Yeah. Are you seeing more like a new build, new build, new construction activity?

Yeah, because, well, yeah, a lot of, yeah, first off I need, or at least in Texas, we need more, more inventory. And those are great options because a lot of the builders are offering such great incentives right now. They're offering these enough closing costs for people to be able to do two one buy downs. So, you know, if we're looking at a 7% on average right now for people for a 30-year fix rate, you know, you could potentially get a 5% your first year, 6% second year. And hopefully by the two-year period, rates will have gone down and you could refy for a flat 30-year, you know, hopefully something lower than seven, like fours or fives or. Lower than seven. Anything lower than seven.

Yeah. So I don't know. Like I keep telling Graham, our friend, Graham Goodnight, like, you guys should get into something here in Dallas. Like even if it's just like small and cheap, like because it's going to like we have Goldman Sachs coming in here. We have a new universal coming in here. Like there are so many companies coming here. And if you can just even. I don't know a lot of people that like rent for the. themselves and even just get into a house and, you know, I don't know, do like the house hacking thing.

I mean, that gets into a primary, but I do know some people that, you know, invest on the side and end up renting for themselves because that's what makes sense. They don't know where they're, you know, if they're going to like use that. Like it's hard because you might be in Dallas. You might be in Houston. But thankfully, I think rental rates are pretty good in both places. So, you know, just like if you're just only, if you're not going to educate yourself and just go off of interest rates, I think somebody's doing themselves a disservice. Like really, like chat with real estate agents, chat with mortgage lenders, chat with your title company reps, like really get educated on what your options are. Because if it is a good rental market, you know, this could be, that could be an option for you to get into ownership. It doesn't have to be personal necessarily. we just you know a lot of times personal does get those like lower down payments and stuff

while at the best rate you can get so i don't know i think it's um i don't know i think it's best to educate yourself on on your immediate area too absolutely that makes sense yep a little tangent there a little tanger he got me up on under my shirt box. Do it now so you're not multiple offers. Yes. Think of later. Yeah.

Instead of crying at us later, because we can't get you into a house because there's 20 million offers. Yeah. Yeah. Here's another thing to keep in mind, guys. Like, right now the market is where it is. But these investors, they have years of experience doing it,

and they pay cash now. This is like their prime time to be buying up everything because it's not multiple. When those multiple offers come around, they're still going, going to be willing to pay cash. And cash is usually king. And they also take advantage of low interest rates.

And a lot of them will go get a mortgage. But they'll put so much down on it, it just still makes them stronger. You're still going to be competing with them in this market, just not as much. Yeah. Yeah. Does that make sense what I just said? Yes. It's amazing.

So. What do you think on that, Zach? Oh, yeah, I agree. I got to run in just a minute. I have another call. Oh, yeah, you're good. But thank you so much for having me on, guys. Yes.

Thank you, Zach. We love for having to see how much. I can't wait to check out that book, too. So everyone is going to get a hold of Zach or ask him any questions on title or title insurance. He's Zach, Z-A-C-K-M-I-N-N-I-N-I. at Stewart, S-T-E-W-A-R-T-com. So thank you again, Zach, for coming on. If you guys are listening on Apple or Spotify, YouTube, Facebook,

don't forget to subscribe to our podcast. And that way you'll be alerted anytime a new one comes out. We are going to start having these every other week now and really spacing them out and making them even more intentional than we already do. And please, any reviews that we can get good or bad, we want to improve and know what you guys want. And if you have questions, don't hesitate to send them to us and we'll answer them in the next one. Yes, yes.

We'll answer them live on here. So perfect. Zach, thank you for coming on. Thanks, yes, you. Thank you. Thanks, you guys. Every Monday.