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• Greeting and Introduction: 0:01
   

• Market Insights: 0:43
   

• More tools to help first time buyers and homeowners: 2:24
   

• Moment of Gratitude: 3:00
   

• Example 1 of affordable programs: USDA: 3:21
   

• Example 2 of affordable programs: Movement Boost: 4:22
   

• Example 3 of affordable programs: 6:17
   

• Consumer Debt Insights and Solutions: 7:31
   

• Encouragement to Refer: 8:15

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Again, I truly thank each and everyone of you and have a heart full of gratitude for your past business.  It has truly allowed me to prosper in an overall difficult market.  Please feel free to call anytime, even if it's to say hello- HAPPY THANKSGIVING!