Real Estate Explained

Navigating Interest Rates, Mortgage Payments and the First-time Home Buying Process with Javier Gonzalez

• Nick Bush

Share episode

Send us a text

In this episode of Real Estate Explained, host Nick Bush sits down with Javier Gonzalez, a Senior Loan Officer at Movement Mortgage with over eight years of experience and more than 800 successful closings under his belt. Javier shares his no-nonsense approach to real estate — it’s not about selling, it’s about helping people make smart financial decisions.

We're diving into the value of working with an experienced lender and how it creates a smoother, stress-free homebuying process. We break down why focusing on your mortgage payment — not just the interest rate — is key to long-term affordability. Sharing how to spot opportunities in any market, even when rates are high, and gives essential advice for first-time homebuyers on preparing financially before starting their search. Plus, we explore why real estate is about building wealth over time, not trying to time the market.

Javier’s humble yet insightful take on real estate will shift the way you think about buying a home. Whether you’re a first-time buyer or looking to invest, this episode is packed with actionable advice to help you win in any market.

Tune in to the episode now!

Podcast Intro 

Follow us

Nick Bush:

I came. That's why I was like, yo, what do you want to talk about on the podcast? Because I was in short. But we had a really good podcast before where you talked about all your investment properties and like how you were crushing. So I think we could either do you know for the listeners like an evergreen podcast, but I think we actually talk about more high level things than that. So what I actually want to ask you is and the podcast has started we do a cold intro like Joe Rogan. Javier is sitting over there, bronson, like is he going to intro the pod? And it's like we are in the pod right now, sir. So the first thing we're going to do, I got Javier from Movement Mortgage back on here, but everyone doesn't know you and they should. So intro yourself, my guy.

Javier Gonzalez:

Yeah, my name is Javier Gonzalez. I'm with Movement Mortgage alice. I'm a movement mortgage. I'm a. I'm a senior loan officer. I've been in the business for eight years. I'm a family man. I go to be beautiful daughters, I live in haymarket and I'm just just happy to be here. Man, you know, I I like helping people. That's kind of what I do. What I do, my goal is to help people build wealth through real estate and, uh, I've done that over 800 times because I've helped over 800 people in my career, flush it no, just I'm humble, bro, you're going to say, like they're going to know bro.

Nick Bush:

Well, let me know.

Javier Gonzalez:

I'll let the people know that you're crushing it. You can't say it. I keep my shirt low-key. You go on my page. It says nothing. Right, because I'm a big believer of winning in silence. That the past few years, like I don't like to flaunt my wins, my numbers nothing, because, at the end of the day, it doesn't make a difference as long as I know that what I'm doing is working for me. Nobody else is going to know. Okay, that's my mindset, right? I don't know if it's right or wrong, but that's just how I do it.

Nick Bush:

Well, just to put, did 35 million last year and you're pretty much like a 30 million dollar a year lender. Yeah, probably 50 this year. Okay, yeah, so put into context what the average lender is doing versus you know, a 30 million dollar, 50 million dollar producer, like what's like the average lender doing like volume.

Nick Bush:

Volume wise 10 million maybe yeah, so you're, you're three times and maybe this times you do a five times the volume, which you can celebrate that, if you want to, I will right. But also that means you have a ton more experience. You've been in the game, you've got way more at bats, so you've been in the mud with the loans and the programs and different types of buyers, like over time, right yeah, I mean it's just.

Javier Gonzalez:

It's just honestly, every loan that you do it's a repetition, right. It's like every loan is an opportunity for you to practice, for you to get better, for you to better yourself yeah and just continue polishing your skills. It's about how many shots you take like over the years I used to hate kobe like because I'm a celtics fan, right so I'm a celtics fan also.

Javier Gonzalez:

Yeah, we talked about it before right, but I used to hate kobe because kobe will always smoke the celtics, right. Yeah, I think kobe retired and then when I got in the business, I got more into like the mindset of things, of like how to develop my mind, train my mind to really put in the work, right. I kind of recognize that like that mamba mentality, like his vision, like I live for that, like for me that's the most important thing, right? So having conversations like talking to people doing whatever I gotta do more loans, it's just more repetition, it's just more time that I'm spending in the gym doing what I'm supposed to do and I'm out of work.

Javier Gonzalez:

Everybody, I don't give a shit who, it is right. People are not gonna have my work ethic and by the talent that I have. So when you combine both, you can do incredible things. I'm not the only one, though. That that clear though right. There's people more talented than me that do more business than me, and that's okay. But I know what I do and I just hone in on that and I don't know.

Nick Bush:

I don't like talking about this, bro, it's okay, I mean we're introducing you we also need to establish I just like to keep it humble- I have one more question about that You've been in the business eight years and you're doing a ton of loans a year. What do you think the biggest difference for the consumer? For the consumer, what's the biggest difference from a lender who does a lot of business and a lender who's year two or three versus a lender who's year eight? What's the benefit to the consumer?

Javier Gonzalez:

It's the process, the systems that we have. I have a whole team that takes care of everything for me not just me, but also for the clients. It's just a smoothness, right? How smooth is the process going to be A lender at the beginning? But you may not have a team because you're still building your business, which is hard, because I did it right and I I had to do it all by myself.

Javier Gonzalez:

But, then I said when you're by yourself, you're taking the applications, you're collecting all the documents, you're having to review everything on your own, kind of you're working solo, right, and it's very difficult to scale while you're doing that. But that's just the nature of the business, right? So for me now I have a team, so it's a seamless experience for people. A borrower will come through. I'll talk to them, do the initial consultation. They complete the application, my team takes over, they get all the documents. We make sure we have every single possible document up front. We have to write the file up front. Once all of that's taken care of, the borrower is welcome to start shopping. And once they're shopping, they're in constant communication with me to make sure we write numbers, help them figure out what makes them comfortable.

Nick Bush:

Yeah.

Javier Gonzalez:

And then we go under contract. But I think the biggest difference maker for me personally, and what's like just a game changer, is that I don't sell anything. I don't, I just help people and I give people the advice that I wish somebody was giving me For me. Every client that I do, I look at them as if I was was them, as if they were my brother and my sister, and what will I do? Some people may not like that because they may think, oh, these guys thinks he knows, like what he's doing more than me. But I'm like, I don't necessarily know more than you.

Nick Bush:

I'm just saying this is what I would do if I was in your situation you know, I think that's interesting that you just said that you don't sell anything, because I was actually on the phone, I think, with another lender that I was just catching up with and I said to her. I said you know, we're not really in sales, even though we're the kind of technically in that that's what they categorize us in. I said we're really in service and education. I don't sell anything. I can't walk into a house and say, hey, this is the best house on the block, you need to buy it. Blah, blah, blah. Obviously, and say, hey, this is the best house on the block, you need to buy it. Blah, blah, blah. Obviously, you tell people, hey, here's your wish list and here's what you told me, your pros and cons are.

Nick Bush:

You put that stuff into perspective, but I can't be like this stone on the fireplace is from Spain, circa 1317. So it's amazing, right? Yeah, You're just educating them on. Hey, this is what's happening in this neighborhood. This is why I think there's going to be equity. This is why I think this is going to be good investment.

Nick Bush:

This is why buying a house is better than renting, and so we're actually in the education business and I think that's how I get a lot, how I've gotten a lot of business over the last, you know, nine years. And then we're in the service business because we have to do a great job for our clients, because a lot of our business is through referral right or through sphere, at least for me, and so it's interesting that you also look at it like that, Um, because it's like what are you, how are you selling a loan product Right Like this doesn't really exist, and I think that that's like a that that's that might be a problem for our industries is that people don't realize that when they come to a realtor, they agents that are pushy salespeople and like I must convert, they don't end up doing that well for a long time.

Javier Gonzalez:

Yeah, it's not about conversion and honestly, because, see, this is the thing as long as you do right by people, the numbers take care of themselves. I'm not doing 35 million, I'm not doing. Whatever number I do this year, it's I do. This year is at 50 million. Right, because I'm tracking, I'm going to do this or I'm going to do that. How many calls?

Nick Bush:

did I make that led to yeah?

Javier Gonzalez:

I just do the activities, I just focus on helping people, taking care of people, and I do the right thing every single time. And as long as that's what I do, things take care of themselves. And, to be honest, I'll probably close 50 million this year. If I do or I, I do not, I don't really care. Yeah, because I'm not counting my numbers. I don't count what I'm closing each month, I don't count how many units are doing, because, see, I have this mentality right where, like sometimes, I just help people and do what I'm supposed to do. Yeah, I'm taken care of and that's it. That's the way I look at it. Right? Yeah, I'm not tip for that. Nothing, it doesn't a difference. Like, once you get into that mindset, it fucking changes everything, because, every conversation is not thinking with money on my mind.

Javier Gonzalez:

Every conversation that I have it's just very honest, transparent and natural with people about how can I help them be in a better situation.

Nick Bush:

I just want to let the listeners know, and Javier know, that he's reached his curse word limit on the podcast.

Javier Gonzalez:

The last time we cursed bro, so I didn't know, Didn't we?

Nick Bush:

curse in the last podcast. All right, you probably cursed in the last.

Javier Gonzalez:

No more cursing, if my grandma listens to this.

Nick Bush:

She can't hear me cursing bro. You know what I mean. Mama bush, I apologize, I'm so sorry. No more cursing on my um. So let's get in. Let's get in the mud a little bit. You know what everyone wants to know, what everyone would ask any lender. Okay, what is jerome powell doing? What's the situation with the interest rates?

Javier Gonzalez:

they are supposed to be trying to cool down inflation, right. The truth is, honestly, though, I don't really know what they're gonna end end up doing, and I don't get caught up in that, because see people like to get caught up in all of those numbers, but do people really know? Nobody has any idea. So, personally, I don't even look at rates anymore. I used to look at rates all the time, but guess what? It doesn't matter if the rate is 0%, 10%, 5%. Is it really going to make a difference?

Nick Bush:

What do you mean? Explain that. Why does it not make a difference?

Javier Gonzalez:

Because people that need to buy a house that don't own the property still need to try to find a way to get into a property, because that's what's going to help them over time right, okay.

Javier Gonzalez:

And people that need to sell their house today because they need a bigger house. They're going to have to do it anyway, right? So at the end of the day, you interest rates. A lot of people may say, oh, I'm waiting, I'm waiting, but guess what? How long have people been waiting to buy houses? Because the rates continue to go up. You cannot control it.

Javier Gonzalez:

So what you do is you simply say I'm ready to buy a house. Cool. So what's my situation? How can I qualify based on where things are at today? And if you talk to somebody like myself, I'll end there. They help you figure out your numbers and if the numbers make sense and this is the key, this is why I said the rates don't matter, because it's not about the rates, it's about your payment Exactly, if you can afford it, you buy it, that's it. It doesn't matter Like think of the rates, because what Somebody says the rates were 3%. Now they're 7%, so I'm going to wait until they're 5% for me to buy. What if that's three years? The house that you could buy Now it's going to be, say, $575,000. Say that the rate does drop to 5%. You're going to pay the same amount of money because you're buying the house at a higher price point. And guess what?

Nick Bush:

You paid rent to a landlord for three years, and that's what people don't realize. If you're renting at $2,000 a month, which is almost impossible to find in this area, right. But if you're renting at $2,000 a month and you do that for three years, you've paid almost $75,000 in rent and you could have just called $36,000,. Yeah, yeah, is it $36,000?. Well, $2,000, yeah, isn't 12 times 2, 24?

Javier Gonzalez:

No, oh hold on.

Nick Bush:

If you're paying, 12 times 2 is 24.

Javier Gonzalez:

Yeah, you said two grand yeah. So, that's 24,000.

Nick Bush:

Come on, bro, my math game is pretty strong with the simple numbers, so even in that example, Only with the simple numbers. Even in that example that you used, I mean 500, the house goes from 575. You basically pay that to rent instead of getting the equity from the market, and then the mortgage pay down.

Javier Gonzalez:

And then you also get benefits from tax deductions. Anyway, on top of that right, there's a lot of money.

Nick Bush:

So I also I also tell people the same thing. I'm like you're not interest rate shopping, your mortgage payment is shopping, you know. That's like really what you're trying to do, like, can you afford this on a month to month? That's like the number that matters, you know, and renting is not the wave. I have a client that, um, they bought last year at seven percent, but they could have bought, they wanted. The first time they even thought about the market was 2018 and they just procrastinated and procrastinated and at that time, rates were, you know, in the threes somewhere.

Javier Gonzalez:

Yeah, like 34% in 2018.

Nick Bush:

Yeah, and the houses that they were looking at were like 250,000 and the house they ended up buying was still, you know, in the mid th, yeah, and it was in manassas instead of woodbridge, and because the houses in woodbridge were now worth 450 000, you know.

Javier Gonzalez:

So they really missed out on the market a lot well, a lot of people just miss out by not doing it. It means the same thing as the stock market, right? See, I think this is also a big problem misconception in real estate. People look at real estate as like, oh, that's housing. You know it's a bad investment, right, real estate's the best investment. It's just like the stock market, right? If you ask somebody when's the best time for you to get to start investing in the stock market, right, everybody's going to say that the sooner they start investing, the better. Cause, then over time, it's going to go like this Real estate is the same thing, it's no different, right? And I have a bunch of videos on my IG about this.

Nick Bush:

So what do you tell people? When people are like, well, what if the market crashes? What do you say to them?

Javier Gonzalez:

Just like you need to look at real estate as an investment. If the market's up or down, do you stop investing in your 401k? Yeah, most people say no, right, most people keep doing it, right. Then I'm like if the market crashes well, do you know when the market's going to crash? No, okay. So then if you don't know when the market is going to crash and you see where the prices are going, if it continues to go up and say that there is a crash, it may come down, but it's not going to come down as much as you're thinking it's going to come down. So then what's the point if you keep waiting? And then you look at the cost of waiting also.

Nick Bush:

Then you factor both right. If the market crashes in five years, what's the cost of you not taking action for the next five years? Yeah, I tell people, I say it is going to crash. They're like what if the market is going to crash? I said it is going to crash.

Nick Bush:

It always crashes, yeah, it's not going to win. And I said but if it crashes, can you rent your house out for more than your mortgage is? Or if your mortgage is $3,000 and you rent it out for $2,500, can you eat that $5, $500 until it comes back?

Javier Gonzalez:

and then I'm like if it does crash, you could stay at the house, and if you bought a home that you can afford, it doesn't matter.

Nick Bush:

That's why buying something that you afford is key yeah, or if it's like, if it does crash and you don't have to leave, you can just wait out the market because we do know it's going to come back. It doesn't matter, because you afford the house.

Javier Gonzalez:

So it's Also another thing too, when you talked about how people say, oh, can you eat that $500,? Right, there's something people don't realize. So I talked to somebody yesterday about this too. They're like I want to move out to a new house, but if I move out right now, my rent, you know, I'm down like $300, right, so that's what? $300, that's $3,600 a year total. Right, they're going to be in the red. Yeah, but I said so cool, but if you keep this house and it appreciates at, say, four percent, you're way up you're going to be way up anyway, right, so say that it's uh, I don't know.

Javier Gonzalez:

Just say you know. Say that the appreciation is 20 grand, right? What's the math on that? Six thousand sixteen thousand four hundred, right? So you're way up. On top of that, you also get tax benefits too're way up On top of that. You also get tax benefits too, on top of everything else. Yeah, a lot of people investing in stocks, right? So I'm like you still put in $300 a month in your Fidelity account to buy Tesla every month and dollar cost average, right?

Nick Bush:

Yeah.

Javier Gonzalez:

You can put that in your house. It's your real estate in your house. It's your real real estate fund. It's the same thing. That's the way I look at it too. It's like because now the market's really challenging because back in the day you used to be able to get a house putting three percent down, say a four hundred thousand dollar home, the the mortgage would be like 2200. Right, guess what? You could rent that same house for the 2200. Yeah, so that was the hack the numbers aren't the same anymore.

Nick Bush:

The numbers are not the same.

Javier Gonzalez:

That $400,000 house now has a payment in the $3,000s, so it makes it a little more challenging for people to do that because the rents haven't gone up that much. Right, but if you understand this and you can afford it, then it's still worth to do it. That's why it's key, you know. You ask me what's the difference with like you and people? Right, I explain people like that. I explain people the difference. I get to the nitty-gritty of things so they can truly understand yeah and I leave the decision up to them.

Javier Gonzalez:

I'm not trying to convince them to do something because I don't need. You know what the beautiful thing about like just helping a lot of people when you get to a point where you don't need to help anybody Because then you don't have the pressure of I need to convince this person to do something because I need that deal.

Nick Bush:

Yeah.

Javier Gonzalez:

Right Once that thought escapes your mind, and you don't need anything from anybody.

Nick Bush:

Your whole skill set goes up.

Javier Gonzalez:

Your whole skill set goes up. Because, you take it psychologically, everybody's always thinking about what's going to be in it for me, and once those thoughts go out of your mind, everything changes.

Nick Bush:

So what's your right now? What's your clientele base? Like, are you working with more first-time homebuyers, move-up buyers downside? Like, what are you dealing with?

Javier Gonzalez:

It's mixed move-up, first-time buyers.

Nick Bush:

First-time buyers, first-time homebuyers, that's really like me, yeah.

Javier Gonzalez:

So right now, what does a first-time homebuyer need to know about mortgages? I would say that you want to buy a house in six months. I would say you need to talk to a loan officer, talk to a realtor, put a plan together so that you know exactly where you stand. We've got to look at your credit, make sure that your credit's solid. Gotta look at your income, see exactly how much income you have and what your affordability is based on the income that you have, what debt you have, and then for a lot of people, maybe it's smooth, right, and they may be like oh, you got, you're super clean, you're gonna be, ready to go.

Javier Gonzalez:

Just kind of wait it out until the time. Until the time comes for you, some people may need a little bit of work.

Javier Gonzalez:

I feel like it's a mixed bag yeah um, because you got a lot of people that want to buy, but they have some challenging financial situations, but they still want to buy and they could still be buyers and they may need some help, right? So I run into both scenarios. I have some people that come, they're squeaky clean, and some people that need help. But we help everybody, so it doesn't make a difference to me.

Nick Bush:

I tell people, when people are like, hey, I want to buy a house, how much money do I need to have saved? I'm like 6%, right.

Javier Gonzalez:

If I couldn't close the cost.

Nick Bush:

Because, yeah, down payment 3% and then 3% for closing costs. But I also tell people kind of, my first-time homebuyers now are actually putting down between 3% and 10%. Are you seeing that number? How much cash does the average first-time homebuyer need today, in 2025?

Javier Gonzalez:

Yeah, I think it depends. People buying at the lower price points tend to barely make it. Basically, they're putting in like 3% and we're trying to look for subsidy. Maybe they use some grants to try to bridge the gap, Maybe out of the pocket 3% to 5%.

Nick Bush:

Okay.

Javier Gonzalez:

People buying at the higher price point say $600, $700, they're normally putting down like 5%.

Nick Bush:

Okay.

Javier Gonzalez:

Because see there, higher price point, say six, seven hundred, they're normally putting down like five percent. Okay, because, see, there's the thing to be able to get a seven hundred thousand dollar home. Let's say today right, you probably need an income of at least 150 000 minimum. Right, I have barely little debt yeah people that have the kind of income or also are able to save more money yeah so because they're able to save more money.

Javier Gonzalez:

They're in a position where they can actually do something, or somebody that maybe makes $75,000 is buying a $300,000 home. They may not have the ability to save as much yeah, they just don't have as much margin.

Nick Bush:

Can you explain what debt to income? Can you explain what debt to income ratio?

Javier Gonzalez:

is yeah. So debt to income ratio is the percentage that we take from what your overall debts are going to be, and that includes your car loans, credit cards, student loans and mortgage note, so mortgage payment against your income. So say that your mortgage is 3000 and between car loans, student loans and credit cards and it's minimum payment for credit cards, not the balance right, that's 5,000 total and you make 10,000 a month. Before taxes, your debt to income is 50%.

Nick Bush:

Okay.

Javier Gonzalez:

Right On a conventional loan. That's the max that you can have. That your debt to income is allowed to be for you to buy a house.

Nick Bush:

Okay.

Javier Gonzalez:

And then FHA loan, which is a government loan. You can go up to 57%. So a lot of people go that's pretty high. Yeah, it's pretty high. A lot of people go FHA if they have a lot of debt or maybe a lower credit, because FHA gives you a little bit more flexibility to push your limits to be able to qualify.

Nick Bush:

So you can afford more house if you go FHA that way. But then you have higher mortgage insurance with FHA, right.

Javier Gonzalez:

Sometimes depends on the credit. Okay, because if the credit is really good on conventional, then absolutely, because mortgage insurance actually got them really cheap if you have good credit.

Nick Bush:

Because is it true that if you have like a 705 credit score 695, so you can go conventional, sometimes the deal like the overall numbers of the FHA are better.

Javier Gonzalez:

They're better, correct? Yeah, so say that You're going conventional and you have 700 credit score, but your loan-to-value and your debt-to-income you're pushing it to the limit, right. With conventional, the higher the loan-to-value and the debt-to-income, the more expensive the mortgage insurance is. With FHA it's pretty much the same. So that's the difference right, because then you pay more mortgage insurance than the conventional, where you may be better off going going FHA, and the rates on FHA are also lower.

Nick Bush:

Okay, I know that with FHA the mortgage insurance used to drop off and then it didn't drop off anymore. It doesn't, but now it's through the life of the loan right, yeah, correct.

Javier Gonzalez:

Conventional you can drop off, but not in FHA, so you got to refinance out of it.

Nick Bush:

Oh, so the plan is to refinance.

Javier Gonzalez:

Correct.

Nick Bush:

I'm tough because we bought in DC FHA but our rate's 3.6.

Javier Gonzalez:

Yeah, so you got to keep that. I got to keep it forever. Yeah, it doesn't make a difference. It's the same as if your rate was basically 4.5, right yeah?

Nick Bush:

So we keep it.

Javier Gonzalez:

But we have it rented out right now and then we have the cash flow on the house you might need to be in the city now.

Nick Bush:

We'll rent you our house if you need to be in the city yeah, this is the deal, though.

Javier Gonzalez:

You, you want to talk? Yeah, don't bring up the city, bro, because you don't want to go there with me so I I love the city still and I would still love to live out here.

Nick Bush:

You know why. You know what happened. We were in dc so let's give the backstory right now so, uh, javier, and another uh realtor and friend, ped Pedro, these guys are suburbanites through and through. They grew up in Chantilly or Centerville out 66.

Javier Gonzalez:

They're scared of the city.

Nick Bush:

They've never been to Texas Place.

Javier Gonzalez:

Scared of the city Me.

Nick Bush:

I'm from Annandale Shout out to Annandale, but I love DC, I love being. If I moved to Chicago, like Illinois, I'd live in Chicago. If I moved to Pennsylvania, I'd live in Chicago. If.

Javier Gonzalez:

I moved to Pennsylvania. I'd want to live in Philly, right, I just want to be in the city.

Nick Bush:

Hold on. So where do you live now? Right now I live in Fredericksburg. We were going to sell our house in the city to cash out, basically, and then buy our next house. So we had it for sale and then we decided to rent it. Through that process we were out in Fredericksburg and I got really comfortable out there.

Nick Bush:

We figured out school sports, um just like the vibes right, but this is the, this is the deciding factor. So we were actually, you know, my wife's a doctor, she crushes, she's a PhD, she crushes, but she's she's killing it right in her field and I'm doing well too, and so, um, you know, we were like the original plan was oh, we'll buy something. Once we've always talked about you know, we've been like. The original plan was oh, we'll buy something. Once We've always talked about, you know, we've been together 10 years that we're going to buy something that's like one, two, one three and that'll be like the final house. And we were looking at McLean. The Palisades in DC. Fairfax Station was also an option, but the Palisades was like the main target.

Nick Bush:

The thing is, when we were doing that, rates were three percent, so one, two. The mortgage was like five thousand dollars. Right now it's eight, nine thousand dollars. And so the conversation became yo, even if we feel like we can afford that, does it make sense to pay that for a mortgage? Like, does that make sense? I don't think it makes sense. I don't think it makes sense to pay eight thousand dollars for to live in this house. That's almost like $100,000 a year. And then that has to be net, like that's a net payment, right. And so we started looking at the market in Fredericksburg. So I'm like, hey, let's you know, we're like let's look at some houses around here and see what's going on, bro, for like $550, I could get five bedrooms, four or five bedrooms, three and a half baths, three levels, quarter acre, 4,000 square feet. So it's like, it's like, and what's the mortgage on that? $550,000 if we put 10% down.

Nick Bush:

I'm looking like 35 under five grand, under five grand, and so the math just didn't math anymore. You know, down, down, near the city. So we decided to park out in Fredericksburg and it is a very comfortable life bro.

Javier Gonzalez:

So you're basically just backing up your work, like you're just basically backing up the truck from everything all the messages, all the things you said about leaving Haymarket living out there. You're just moving way farther out, so you're basically so you're a sellout. I think that that's what you're telling me, right.

Nick Bush:

I think that unintelligent people get new information and they keep their arbitrary stance. And intelligent people get new information and they take action on that new information. And so I got new information, so I they take action on that new information so I'm taking action on that.

Javier Gonzalez:

You had this information because I'd be me and pedro been giving you this information well, you didn't want to get information from us.

Nick Bush:

Rates weren't seven percent at that time when we first had that conversation. So the finance, the finances, would be different and uh, I had no, so so I hadn't, there was no. That's the main driver. The main factor is the rates went up, so the mortgage payment changed and so, and then we decided to sell that house, to buy another house. So God put us in Fredericksburg and you know, it just happened Like life, life, just life, that way. Yeah, listen, I just to give you our time. And even though I had the information, I didn't have the real life experience of living out of the birds.

Javier Gonzalez:

You had the information. You didn't have the real life experience.

Nick Bush:

But also I had a better rate.

Javier Gonzalez:

So it's the race change that makes a difference.

Nick Bush:

All.

Javier Gonzalez:

I am saying is that to me? Because I can pull receipts of all the stuff you said about living in Haymarket or whatever Prince William County, and you moved out to an even more rural area. It's not that rural.

Nick Bush:

Adam, that's what people got to realize. It's built up.

Javier Gonzalez:

You say whatever you want, bro, I can pull receipts right here. If anybody reads this, they'll say Nick Bush is a seller. That's all I'm going to say. Dang, what did I tell you yesterday? I said I'm going to bring the heat, all right.

Nick Bush:

So before we get out of, here Frederick's nice area.

Javier Gonzalez:

I'm just talking to this Mac.

Nick Bush:

This is going to last forever.

Javier Gonzalez:

This argument is never going to die.

Nick Bush:

Never All right. So before we get out of here, what do people need to know about the real estate market today?

Javier Gonzalez:

Sure get out of here. Um, what do people need to know about the real estate market today? Sure, what people need to know about the real estate market today? I think that there's opportunity in every in anything, no matter the situation at the time. There's always going to be opportunity, as long as you know where to look, you know who to talk to and you get the right information. It was very easy to get real estate a few years ago. Now it's tougher, but does not mean that deals are not there to be had.

Nick Bush:

Deals.

Javier Gonzalez:

Right and there's also different and there's different ways to attack this. Like, for example I buy investment properties. Right, I got rentals Right. Now it's harder for the rental numbers to work, so now I'm doing flips. There's always opportunity, as long as you're willing to put in the work, do the research and go and get it. The problem is this Nobody wants to do that. People want what's easy. People want to put their hand out and wait for something to come to them. That's the difference. So do the work, do the work. I posted that in my story today.

Nick Bush:

So do the work. Do the work, all right. So how do people find you, contact you? How can they get this $50 million service that you're offering people?

Javier Gonzalez:

So in IG, my IG is Javier underscore Gonzalez, the third. That's really like the main platform I use. One thing we didn't talk about that I want to bring up because it's key. I'm going to send you this book, by the way, and anybody that listens to this, like this year especially, I'm like so honed in on this book.

Nick Bush:

It's called the Go-Giver. Have you read it?

Javier Gonzalez:

No, I've heard of it a bunch of times now. I think I gave him a copy. No, you didn't. I think he. I think I gave him a copy.

Nick Bush:

No, you didn't.

Javier Gonzalez:

Okay, I got to get you a copy. So this book basically changed my mindset. I read it three years ago and I've always been like a giver when it comes to helping people. Right, like I'm passionate about helping people. But every single person, myself included, when you're helping somebody, say you do me a favor. Right, you do me a favor because you're my brother. However, you always gonna be like you. I did this guy favor, right? It's just subconsciously, it's just in your mind, right? So next time you do me another, like I ask you for another favor, you'll be like man, I keep doing these guy favors. It's just human nature. You can't if somebody tells you that that's not true, they're lying, right, but you read this, I read this book, anybody read this book. This does to you. This book basically just teaches you that you just got a gift without expecting anything in return. So that little bird in the back of your head that makes you think, oh, I didn't make a favor and I've been doing it three favors and he owes me favors.

Javier Gonzalez:

Now that thought disappears, yeah and as soon as that disappears, the world, your world, changes because you start serving people and doing things for people on a different, at a different level and you're not thinking, oh, this is 50, 50. But you also gotta realize that something will come back to you. You just don't know from when or for where.

Nick Bush:

Right I know, I know b and I all the b and I groups like love this book but they like it and uh but I've I've learned 20 years ago that I don't like people that count favors. That's not like a thing. That's part of my moral and principle, like it's not like my code, you know, and so everybody has a subconscious, subconsciously.

Javier Gonzalez:

It's not even like people are thinking that right, yeah.

Nick Bush:

No, I know that book is good for people that have like shitty value systems and count favors. You know what I mean. But it's a good book overall.

Javier Gonzalez:

You know, once you I'm gonna get you a copy and then you're gonna read it. Then we're gonna come back on here and you're gonna tell people everything. So I have a rule now, right, business partners yeah, when I meet up with them now, I give them the book. My team I just hired a guy I give. I gave him the book. I said you're gonna work for me, but the key, the deal, is this if you're gonna work for me, you need to read the book. Okay cool, that's like my new thing, so.

Nick Bush:

Javier, thanks for joining me. My guy, we're on the clock. I'm looking at the clock over here, you know, so we out.

People on this episode

Head Shot

Nick Bush

Host