7 Questions with Mr. William Esquivel of Gold Financial

Dated: April 21 2020

Views: 1004

Rick Benavides:
All right. We are live. Yes. Thank you everybody who's watching this show. Thank you everybody for watching. Thank you everybody who's being a part of this. It really, really means a lot to me. Basically, those of you who don't know who I am is, this is the first time we do this show. The first time we do this seven questions. My name is Rick Benavides and I am the owner of Big Realty. We've been open for business for about six years now. Thank God. It's been an amazing journey. And I've been in the real estate business, active, licensed realtor since 2007. And just happy to be here. Happy to be a part of this industry. And I'm excited about the future for this because we already have a couple of people lined up to be a part of this Seven Questions with Big Realty.

Rick Benavides:
Right now, we currently have 32 agents in our company. Active, hardworking, good people, great people, amazing hard workers, who really care about their clients. And we have five new agents coming in the near future. We've already interviewed them, talk to them, and it looks like we're good to go. We're growing. We have a lot of great tools, great things, but that's for another time, another show. The whole purpose, guys, of this channel, or our whole purpose of this process, this event, is to bring value to the community so that people can get to know. I know a lot of people have a lot of questions. Educate, do all the great things that we need to do.

Rick Benavides:
If you have questions, feel free to ask these questions. Feel free to be a part of the show. If you see this after it's already been live, keep putting information in there. We'll keep responding to whatever it is that you have. Any questions that are for our special guests, we'll send it out to him and vice versa. But at the end of the day, guys, just know that we're here to take care of all your needs, real estate, anything that has to do with buying, selling, investing, developing. We can definitely help you out with all that good stuff. Now, due to the whole coronavirus thing, we've looked at different platforms and that how all this was born.

Rick Benavides:
And so, I'm just happy to be live and talking and communicating with our community, our public, our people, and I'm just excited about that. Stay safe. Follow the rules. Stay home. If you don't have to go outside, don't go outside, and just thank you for the opportunity... For watching this. It's really, really amazing. I'm just happy. Please, guys, don't forget to subscribe. Hit on the little bell. Follow us, like our pages, all that good stuff. You guys know what you need to do or what you have to do so that you can keep watching all this great stuff.

Rick Benavides:
All right, guys. I'm going to introduce our guest speaker. He is one of the top leading industry mortgage lenders down here in the Valley. One of the basic questions, what are the most important questions right now is, "What's up with the lending world? Are people still buying? People not selling? And so, we're going to ask our special guest seven questions and get to know him a little bit more and just ask and try and get as much value as we can from him.

Rick Benavides:
William Esquivel is our special guest. He's a top producer in our area. He's the leader in South Texas for his company and he also works with us very, very well. He's our preferred lender and he brings a lot of value to a lot of our clients. Great rates, great programs, all that good stuff. We're going to go ahead and see if we can get Mr. William into this channel. And there he is. Hello!

William Esquivel :
How you doing, guys?

Rick Benavides:
What's up, big dog? How are you doing, man?

William Esquivel :
I'm hanging in there, just trying to stay afloat, trying to stay safe, keeping my family from me being sane but we're doing well.

Rick Benavides:
How are you handling this whole coronavirus thing, man?

William Esquivel :
I will tell you one thing. In the beginning when it first started, I didn't think it was going to be a big deal. Having to stay home a couple of times, no big... And keep on working. No, honestly, it takes a toll on you, mentally. You know what I mean? I mean, us people in our industry, we're so gung ho, go get them, OCD, ADHD type of people. You know what I mean? And so, when you put us in one room in your home office, it's going to take a toll on you.

Rick Benavides:
Yeah. It's been a little tough to adjusting to it, but you've got to pivot and do what you got to do, right? One of the hardest things for me in the beginning was just not going anywhere and I started feeling a little weird and getting a little low. And I was like, "You know what? I got to snap out of this, baby. I got to snap. I got to go." Thank you-

William Esquivel :
Yeah, I hear you.

Rick Benavides:
... people who are... Sorry, mans. Thank you to all the people [crosstalk 00:04:52] who are going on Facebook and liking this, man. Thank you. Ask questions, whatever you guys need. We're going to be looking at this. I'm sorry, Will, you were going to say something?

William Esquivel :
No, no. I honestly believe, and I had spoken to a couple people at the end of last year, probably about a third quarter, that something was going to happen in 2020 in regards to the markets. You know what I mean? And some people believed me, some people didn't. It is what it is. But everything that I basically just stated has happened. The only thing that surprised everybody, not only here locally, but nationally, how fast it happened. How fast it happened, and I think that is what created the perfect storm, in regards to financials, health, everything. You know what I mean? But that's where we're at today. I mean, it's not that we're not going to survive. We're going to survive it. [foreign language 00:05:50], no?

Rick Benavides:
Absolutely, man. That's what it is.

William Esquivel :
[foreign language 00:05:52].

Rick Benavides:
Let's go ahead and get started to our series or part of the show where we ask seven questions to our special guest.

William Esquivel :
Seven's my lucky number, baby.

Rick Benavides:
And before we do that, if you want to introduce yourself to our viewers. Tell us a little bit about yourself, your little history real quick, so that we can jump into the questions.

William Esquivel :
Perfect. No problem. First of all, I want to thank Rick Benavides, Big Realty [foreign language 00:06:23]. But anyways, thank you for taking us into consideration in regards to your first event here. Number one, my name is William Esquivel. I've been doing mortgage lending for over 21 years. Been with Gold Financial Services for 10 years. Born and raised in McAllen, went to school at San Antonio, the UTSA. Go Runners, baby! Got my masters and my bachelor's from San Antonio and came back home and love being part of the community, basically.

Rick Benavides:
Awesome, bro. Awesome. And we've been friends for a while now. We've been working together for a while now and I just have to say man, you're one hell of a dude and pretty cool guy, man.

William Esquivel :
Thank you. I appreciate that, bud. Really do.

Rick Benavides:
And so, we're going to go ahead and get started with the seven questions.

William Esquivel :
Sure.

Rick Benavides:
Great questions that I think are important to all our viewers and people who are interested in maybe buying something in the near future-

William Esquivel :
Awesome.

Rick Benavides:
... or thinking about doing all that stuff. Guys, the first question that I have for you, Mr. Will, is, are people still getting approved for mortgages?

William Esquivel :
Absolutely, they are. There's still a lot of stereotypes because of what the media has out there. I think one thing that scared a lot of the consumers was one of the biggest banks in the United States, Chase Bank, basically stating, "Hey, we're not lending any money unless it's 20% down and 700 credit scores." And that is correct in regards to Chase.

William Esquivel :
In regards to the local community, can you still get into a house at 3.5% down? Yes. Can you still get into a house at a 580 mid score? Yes. Now there is a lot of stereotyping, a lot of talk out there as well, where some lenders are saying that "It's the government not letting us go down to the lower mid scores, in regards to a 580 and 3.5% down."

Rick Benavides:
Yeah. I've been hearing about that. I've been hearing a lot about that.

William Esquivel :
Okay, and that is incorrect. It is all based on the company that everybody works for. Company A might be able to offer something that company B doesn't do. Unfortunately, or fortunately, it is determined on how that mortgage company or that bank is set up, how strong are they in regards to the backend and how they deliver their loans on the more... I'm sorry, deliver their loans to the government. And that's the biggest difference here. Some people have the capability. Some people don't.

William Esquivel :
Unfortunately, the majority do not, for whatever reason. You know what I mean? For whatever reason. Maybe it's not the way they do business. It's not... Everything to that extent. It is what it is. I'm not saying it's right or wrong. I'm just saying different strokes for different folks. You know what I mean? But it is what it is. But at Gold Financial, we're still doing 3.5% down. We're still going down to a 580 mid score. All FHA loans. Let me put it this way. We've weathered three economic storms in the past. We're not going anywhere.

Rick Benavides:
Yeah. We have a great viewer, Mr. Robert [Beres 00:09:33] watching the show and he put, "We still doing 580s baby."

William Esquivel :
Little Rob, little Rob.

Rick Benavides:
A big shout ole shoutout to Mr. Jonathan. How's everything going, man? All right. Second question. Basically, and to summarize what you said, you guys are still doing loans. Nothing's really changed on your side.

William Esquivel :
No, sir. It hasn't changed at all.

Rick Benavides:
Okay. Cool stuff. Question number two. What changes have you seen in the mortgage world?

William Esquivel :
That's a good one because I have seen a lot of changes. I didn't think I was going to see these changes this fast. For some of us that are considered the old folks in the business, reminds me of what happened in 2007, 2008. And I'm pretty sure those that have been in the business for a long time knew what happened.

Rick Benavides:
Yes.

William Esquivel :
If you recall what happened in the past, it was worse because you would actually get cleared closes and the money never showed up at the closing table.

Rick Benavides:
Oh, I remember those days.

William Esquivel :
Okay. Thank God that's not happening now. It's not. Okay. Basically, unfortunately, it does. Are some companies increasing their guidelines? Yes, they are. You know what I mean? Like you said, are they increasing their credit scores? Yes, they are. Are they laying off people due to this? Yes, they are, unfortunately. I mean, it is what it is.

Rick Benavides:
I saw the other day a meme where this guy was pulling out his hair. He's like, "135th change in the guidelines," and I was like, "That's crazy, man." That's crazy.

William Esquivel :
And again, it goes back to the way the company is set up. You know what I mean? I mean, I'm not going to lie to you and tell you, "Hey, it's business as usual for Gold Financial Services." It's not. You're going to see processing times a lot slower. And the reason why is what? Because everybody, not only Gold Financial Services, but every other mortgage company, every other bank, you know what I mean? I feel free to all because guess what? We have to basically depend on other third parties, basically getting the verification appointments over to us, getting the appraisers over to us, getting the surveys over to us. And at the end of the ballgame, everybody's in the same thing right here. Everybody's in four walls at their house trying to work.

Rick Benavides:
And that's the hard part. I know that recently, a lot of the appraisal's been delayed, just a lot of little work that we used to take for granted is getting delayed. And unfortunately, that's what it is. But I'm glad that you guys are still operating at optimum capacity, right? Things are still getting done. Deals are still getting closed. People are still getting approved and it's a blessing because as realtors, as real estate agents, we depend on our lender parties to deliver because if you don't close-

William Esquivel :
Absolutely.

Rick Benavides:
... we can do everything in the world to make the deal happen but if there's no money, there's nothing we can do, right?

William Esquivel :
Right. Right. And like I said before, I'm not here today to bash anybody else and my colleagues or my competitors. I'm not. I feel for everybody right now because everybody's in the same boat.

Rick Benavides:
We're all in the same boat.

William Esquivel :
Everybody's in the same boat. The only thing that we need to be as a community, as one, is be transparent. Don't lie to other people. Don't say, "Hey, it's the government changing." It's not. Just be up front say, "Hey, this is what's going on," and that's it.

Rick Benavides:
Speak the truth. Speak the truth.

William Esquivel :
Speak the truth, and that's it. And unfortunately, or fortunately, some people are appreciative and some people don't. That's why a lot of people either, they love you or they hate me. It is what it is.

Rick Benavides:
Yeah. Well, it is what it is. That's right, my friend.

William Esquivel :
It is what it is.

Rick Benavides:
All right. You ready for another question?

William Esquivel :
Sure. Why not?

Rick Benavides:
All right. Whenever a person calls you and says, "Hey, I'm thinking about buying." What's the process? Guide me through the whole process. I pick up the phone and I say, "Okay, I'm thinking about buying," and I either come to you through one of your advertisements or somebody refers you to you. How do you start the process? And how does it work to get to the point where they're getting their actual piece to the home, right?

William Esquivel :
First of all, I don't blow them out of the water with different jargon and mortgage words and everything else. Basically, I go straight to the point. Mr. Benavides, how are you doing? I know X person referred you over to me. What are you looking at?" "I'm trying to buy a house." "Okay. What's your budget?" "I don't want to spend no more than $1,500 a month." "Okay, perfect. You have three minutes for me?" "Yes, I do." "Okay. I'm going to get your information over the phone. I'm going to need your name, social, date of birth, where you live at, where you work and how much you make." That's it.

Rick Benavides:
Yeah.

William Esquivel :
Get to the point, get them to understand the whole concept. "You know what? After I get your information, we're going to turn around in 15 minutes. I'll let you know whether you do qualify or not, number one. Number two, you need a 580 mid score in order to get financing so if you are at a 580 mid score, I'm going to ask you to basically, verify what you told me." No big deal. You know what I mean? "And if you're not at the 580, I'm going to tell you what you need to do to get to a 580."

Rick Benavides:
Right.

William Esquivel :
Usually, when we get the calls coming in for the bars, I mean, for the process, it usually takes no more than five minutes over the phone in order to get them started.

Rick Benavides:
Okay. Basically, they call you. You ask for basic information, date of birth, personal information. You ask for employment, all the history so that you can put a picture together and run the credit, right?

William Esquivel :
Correct.

Rick Benavides:
You run their credit. They get approved or they don't get approved. If they don't get it, what do you do?

William Esquivel :
That is correct. Basically, if they get approved, number one, we'll send over a pre qual letter to the realtor and to the bars. Number two, we'll go ahead and tell them to, "Hey, this is the items that we need," that's number two. And then number three, basically, we follow up with them the next day and say, "Hey, did you've got my emails and everything else? Any other questions you have?" Now, if they don't get approved and say, "You know what? You got a lower credit score. These are the reasons why."

William Esquivel :
The difference between us and everybody else is basically, we don't just say, "Hey, you got 560, 550, can't get it done." We take a look at the credit, say, "Hey, this is what you need to do to get your scores up," and we work it that way. Now that is not credit repair. We do not do credit repair whatsoever, but little bits and pieces of, "You know what? You have a credit card that's maxed out. Bring it down." Guarantee that the scores will go up.

Rick Benavides:
Yeah, and then once you get them that advice, I've seen a lot of people, man, come back to us and be like, "Hey, you guys showed me exactly the roadmap, what I needed to do to qualify. I'm ready to buy now." Right?

William Esquivel :
That's correct.

Rick Benavides:
And then six months later, three months later, boom, we get the deal done. If they do get approved, then it turns back to us to find the house, find the perfect dream home, negotiate the price, get them under contract, send it back to you so that you can process the thing, and then boom. Usually within 21 days to 45 days, you close the deal. They get the keys. Everybody's happy, right?

William Esquivel :
Regular days, non coronavirus, 25 days. With coronavirus, you're looking at about 45. I mean, it is what it is. You know what I mean?

Rick Benavides:
Yeah, for sure. Absolutely, and it's the truth.

William Esquivel :
Yes, [crosstalk 00:16:51].

Rick Benavides:
All right. Cool, man. You've been answering these questions amazingly. Thank you, man. Let me see here. Actually, question number five was, what do you need to qualify, but you've already answered that. Any special program under 580 that you have because I know a lot of people are like, "I don't really have a 580 credit score or anything like that?"

William Esquivel :
Yes, actually there is. A lot of times you have customers that do have below 580. They have a 550, 560 mid score. And unfortunately, they know they have bad credit. You know what I mean? And that's the classification. They have under par credit or bad credit or whatever it is. However, cash is king. If they have 10% down in the bank that's verifiable, we're able to do the loan. We are able to go below, down to a 500 with 10% down.

Rick Benavides:
And that's the amazing thing, man. I can tell you guys, all the people watching, there's a lot of companies out there that do not offer such program. They don't offer programs with 500 credit scores. They wouldn't even dare go there. You know what I mean?

William Esquivel :
Yeah, yeah.

Rick Benavides:
Absolutely.

William Esquivel :
Just think about it this way. Just think about it this way. If we're able to close your loan at a 550 with 10% down, imagine what we can do with a 690 or a 700 with 5% down. I mean-

Rick Benavides:
Absolutely. All right. Right now, we're at a point, we're almost done with the seven questions. What would you like to ask or say to the viewers watching this so that they can interact, ask questions, whatever it is. This is your time to ask anything you want.

William Esquivel :
Well, I think right now the first and foremost, most important thing is the stereotypes that are out there in the industry. Okay. And what the reality of it is. And I think everybody needs to actually slow down, take in consideration what's going on around us because not just us. It's not just you, Rick. It's everybody-

Rick Benavides:
Absolutely.

William Esquivel :
... in the industry. Number one, as you all already know, we were in a seller's market. It's changing very quickly.

Rick Benavides:
Absolutely.

William Esquivel :
It's going to become a buyer's market in the next, say two to three weeks. If it's not already transitioning into it right now.

Rick Benavides:
Yeah, man, and that's what I tell people like, "Look, we really haven't felt the effects of everything that's been happening yet. It's coming."

William Esquivel :
It's coming.

Rick Benavides:
I'm thinking by summertime, a little bit past summertime, we're going to start seeing all the effects and the ripple effects of everything that's happened. Right now we're still in the shock stage I believe, or maybe getting out of the shock stage, but I think it's coming, man. And I think [inaudible 00:19:32].

William Esquivel :
And what does that mean? And what does that mean? I think everybody's been seeing it. Appraisals are coming in lower. They're not making value. Don't be afraid to embrace the changes because they ain't going anywhere. It's going to happen.

Rick Benavides:
We just to-

William Esquivel :
Embrace those changes and keep on going.

Rick Benavides:
Yeah, we just have to [crosstalk 00:19:49].

William Esquivel :
That's number one.

Rick Benavides:
We've been through this before. I've been through this before and that's why I say "Get somebody that has experience, that know what they're doing and that have sold more than a couple of homes, that actually know how to get it done," right?

William Esquivel :
Right.

Rick Benavides:
And they have this good network, the good people. Absolutely, man.

William Esquivel :
Right, and unfortunately, not everybody's going to make it, you know what I mean? And that's the sad thing about it. But what you need to do is keep on doing what you're supposed to do. Making your calls, following up with your customers and everything else. You know what I mean? And most importantly, like I was saying before, it's the transparency of it. You got to be transparent with exactly what's going on and if you don't know what's going on, ask. Don't assume or don't pretend because at the end of the ballgame, it was going to bite you in the butt. You know what I mean?

Rick Benavides:
I tell people, "[inaudible 00:20:34]. Ask me whatever you want. Call me. I'm here for you. How I feed my family is talking to you so I'm available 24/7 at any of our regions. Big Realty agents are available all across the [inaudible 00:20:46]."

William Esquivel :
Yeah. The other thing that a lot of people need to understand is that you got to take the human factor when it comes to what we're going through. You know what I mean? Perfect example. I was talking to referral source and they say, "Hey Will, your process is a little bit slower." I go, "Yeah, it is." I mean, but you to take in consideration, you got mom at home, you know what I mean? She's trying to process the laws and everything else. Baby comes in, has to repeat the baby. You know what I mean? It's not a true 9:00 to 5:00 type of job anymore. It's a, I guess, bringing the family together with work and it's hard. It really is so you got to take that in consideration and honestly, I mean, don't be a jerk. Understand it. Understand what's going on.

William Esquivel :
And I'm talking on behalf of not only my company, but the rest of the rest of my colleagues. Hey man, everybody's depending on third parties that sometimes we have no control over. Now I'm not saying not to set realistic expectations because you need to do that or don't over promise something. Just be up front and take it from there. But I think as a whole, as long as we embrace the changes that are going on with the economy, as long as we embrace all the different, like you said, guidelines and all that stuff, I think we're going to be okay. Like I said before, it's not. 2007 and 2008 where people weren't getting funded, period. I mean, at least we're saying, "Hey, we can't do the deal in the middle of the transaction." You know what I mean? I mean, and I could speak on behalf of everybody else. But yeah, are there going to be changes? Yeah. There's going to be changes. Just embrace them.

Rick Benavides:
Yeah, absolutely. All right. We're almost getting to the last question, which is a cool question. I guess it's a question that gives you an opportunity to plug yourself in, but before we get there, we're going to... Big shout ole out to Inspiration Heights. And we have a question here from a Facebook user. Can you put it up, please? Tell us about verifying employment and possible closing delays. What could we see going forward?

William Esquivel :
That is the reality of things. Let me give you an example. Let me give you a perfect example. And you might be able to help me out here with it, Rick, because my language, is a little bit limited unlike yours because you're very educated versus me. But what does is that called? What's that part where they're saying, "Well, I'm working, but I'm at a standstill. I'm furlough." Okay.

William Esquivel :
Furlough basically means, "We haven't fired you yet, but we're not paying you." Well yeah, there's a problem. You know what I mean? There's a problem because right now, the way the mortgage companies and the banks, everybody is talking about it, about verifying employment. You have to verify that you're currently working and you have to verify that you're receiving a check.

Rick Benavides:
Yeah.

William Esquivel :
If you're not, you're not going to close a loan. And what scares us right now, and this is a red flag for everybody right now, is your oil fuel people.

Rick Benavides:
Yeah.

William Esquivel :
If you do not think, and this is very unfortunate and it's very sad, and this is the part that I take it to heart so much, is that our South Texas economy and all of Texas basically, depends on that oil industry.

Rick Benavides:
On that oil dollar. Absolutely.

William Esquivel :
On that oil dollar. I think yesterday, the barrel was negative, what? Negative $35. Now it's a a positive of $4. I mean, that's a huge deal. If you have any destination-

Rick Benavides:
I was going to go to the gas station and say, "Hey, pay me to put gas in my car, please."

William Esquivel :
It's horrible. It's horrible. And a lot of people think, "Oh well, it's awesome because gas is going down to a dollar." No, it's not. That's not good. It's bad. It really is.

Rick Benavides:
Absolutely

William Esquivel :
You're not letting people work. But yeah, going back to the question, if we can't verify that employment, you can't do it. Teachers. Right now, we're having to [crosstalk 00:24:47].

Rick Benavides:
You can't do it right now, but-

William Esquivel :
We can't do it right now.

Rick Benavides:
... but if we just wait 30 days for the new pay period to come in, if we can get the extension to happen and you verify it 30 days later and there is a pay stub, boom. We're back in business, right?

William Esquivel :
Oh yeah. You're good to go. But as of right now... For example, we just had one where the lady was a manager at Victoria's Secret, you know what I mean, at the mall. Well, she's not working right now. She's furlough. They didn't fire her, but she's not basically working right now. We had to put a stop to that loan, unfortunately-

Rick Benavides:
Temporarily, right?

William Esquivel :
... because we can't verify it. Excuse me?

Rick Benavides:
Temporarily.

William Esquivel :
Temporarily. Yeah. But once she starts working again, she has that first pay stub, we'll be able to close transaction.

Rick Benavides:
Cool. We have one more question that I'm going to ask before we go into the final question with Mr. Anthony Longoria. You can put it up. How are rates today versus the way they were five years ago?

William Esquivel :
Rates are 10 times better than they were 10, five years ago-

Rick Benavides:
Amazing.

William Esquivel :
... I'll tell you that right now. Yeah. Everything's going to be credit-based in regards to the rates. Are the rates going to stay low? They're going to stay low. They have to stay low. You're going to see a, and I'm not sure what people are realizing or understanding it, but we're already in the beginning of a recession. The rates have to stay low in order to basically, balance out what rest of the economy is doing. Yeah. Yes, sir.

Rick Benavides:
But first, do you want to know a little fun fact? Our first mortgage that I took out a couple of years ago, actually a long time ago, I was 19 years old. It was 7.5 and I was extremely happy because I didn't get... It was a low interest rate at that time.

William Esquivel :
My first house was a KB home in San Antonio at seven and a quarter and I was happy.

Rick Benavides:
Yeah. I was extremely happy and I tell people, "Oh my God, I don't want to go over 4%." I'm like, "Come on, man. It's an amazing deal. Right now is the time to buy."

William Esquivel :
What the problem is, is that all of us, [foreign language 00:26:53]. Everybody thinks that 3% and 4% on longterm debt is normal.

Rick Benavides:
Which it's not.

William Esquivel :
It's not.

Rick Benavides:
[foreign language 00:26:59]. Not me.

William Esquivel :
[foreign language 00:27:01]. And now you know, 112. You ain't going to get it. Very simple.

Rick Benavides:
Yeah, we have somebody that put, "I have a question." I can't read your question. I don't know your question. I can't bring it to things anyway. Ask your question here so that I can ask the questions, right. Last and final question that I have for you before we jump into our super, fast fire, rapid questions is, why Gold Financial and why Mr. William Esquivel ?

William Esquivel :
Why Gold Financial? It's very simple. We've been in the business for over 20 years. We're not going anywhere. We have the stability of it and we have basically, the power in order to get your transaction done at any type of credit profile at all. Why William Esquivel? Because I've got a damn good team behind me, very simple. It's not about William Esquivel. It's about Gold Financial Services and the team that I have. And I'm not talking about my personal team, with myself and Chris. I'm talking about the whole group.

William Esquivel :
I have a group of people that are amazing and actually care about what they do and they care about their clients. Some people either love us or hate us and I get that and I understand that and I own up to that, but [crosstalk 00:28:23] the reason why is because we're very fair. We're very fair in regards to what we do. But you will not meet a group of people that I have that won't bust their butt for you. Period.

Rick Benavides:
Yeah, and-

William Esquivel :
The diversity we have in that office offsets everybody and we're real. We're real [crosstalk 00:28:46].

Rick Benavides:
How many locations do you have?

William Esquivel :
Right now, we have three locations in the Valley. We have our Buddy Owens office, which is managed by Kenneth Hammonds. We got the Edinburg office, which is managed by myself and we got the Weslaco office that's managed by Johnny Esquivel.

Rick Benavides:
Cool. All right. You ready for these fun questions or no?

William Esquivel :
Man, I don't know what you're going to tell me but [foreign language 00:29:05].

Rick Benavides:
You can't even think about it. You just got to boop. As soon as what comes to your mind, just say it. All right? You ready?

William Esquivel :
Yeah.

Rick Benavides:
All right. I'm going to ask them quick and you have to answer quick. Ready?

William Esquivel :
All right.

Rick Benavides:
All right. What's your favorite food?

William Esquivel :
Pizza.

Rick Benavides:
If you could have one superpower, what would it be?

William Esquivel :
One superpower?

Rick Benavides:
Yeah.

William Esquivel :
Looking through people or you know what I'm talking about [crosstalk 00:29:35]?

Rick Benavides:
Mexican coke or American Coca-Cola?

William Esquivel :
Mexican coke.

Rick Benavides:
Yeah. Fuck yeah, absolutely.

William Esquivel :
Coca-Cola. Coca-Cola.

Rick Benavides:
Yeah, yeah, yeah.

William Esquivel :
Yeah, it's okay. Thank you.

Rick Benavides:
Favorite sports team?

William Esquivel :
New Orleans Saints.

Rick Benavides:
What?

William Esquivel :
New Orleans Saints.

Rick Benavides:
Oh, wow. I don't think we can be friends after this. I'm just kidding.

William Esquivel :
Davenport, baby. Davenport right here. Oh, this one right here.

Rick Benavides:
All right. What's your favorite body part?

William Esquivel :
My head. Look how big it is.

Rick Benavides:
If you weren't a mortgage lender, what would you be?

William Esquivel :
A lawyer.

Rick Benavides:
Your favorite TV series?

William Esquivel :
My favorite TV series?

Rick Benavides:
Yeah.

William Esquivel :
Oh, man.

Rick Benavides:
Say it, man.

William Esquivel :
Oh, man. Naked and Afraid.

Rick Benavides:
Oh, I've never seen it. Favorite artist?

William Esquivel :
Prince.

Rick Benavides:
Prince. I thought it was going to be Mariah Carey. I would have swear I would have.

William Esquivel :
I loved... No, okay. First off, Mariah Carey's at a different level but everything started with Prince.

Rick Benavides:
Cool. Stucco or brick?

William Esquivel :
Brick.

Rick Benavides:
Favorite tacos?

William Esquivel :
Favorite tacos?

Rick Benavides:
Yeah.

William Esquivel :
Taco [foreign language 00:30:47].

Rick Benavides:
Who's your favorite realtor? You can say it, bro. It better be me.

William Esquivel :
I got various favorite realtors.

Rick Benavides:
All right. It's badass. All right, man. Well, that's pretty much all I have planned out for today. Before you leave, I just want to say thank you so much for being a part of this exercise, part of the show, part of this thing. I'm going to make it a thing to where I interview people on a weekly basis, daily basis, as they come.

Rick Benavides:
And if you anybody, guys that wants to be part of this, that wants the Seven Questions with Big Realty, that wants to be a part of this, please have them reach out to me. We're really excited about making this work and just bringing value to the community, to our viewers, to everybody. But, Will, I just want to say, "Man, thank you so much for being a part of this."

William Esquivel :
Thanks, I appreciate it, man.

Rick Benavides:
You've been a great team player. Great player and I appreciate you taking the time out of your day to be a part of this, my man.

William Esquivel :
No problem, man. Anytime. Whatever you all need.

Rick Benavides:
Take care. Guys, I'm going to stay on real quick [inaudible 00:31:50]. William Esquivel. Once again, guys, thank you for watching the show. Thank you for watching this. We're going to be putting it back up shortly after we edit a couple of things, make it look even better than we already did today. And I just want to say thank you for watching. If you know anybody who would definitely benefit from being a part of the show or any value that we can bring to our community or anything that we can do to educate. Our next step is a builder that is very well known here in the Valley, built a lot of homes, and I'm excited about it.

Rick Benavides:
Guys, stay tuned. Keep watching this show. Keep watching this channel and I appreciate everything you guys are doing. We have a lot of people. Big shout out to Derek [Vanavitas 00:32:30], Lisa Iris, Mr. Gregory Vasquez, Mr. Samia, Derek... Let me see here. We got a couple of more people. Mr. Jonathan. Happy for you, buddy. I'm glad that you did that surgery and you're going to lose some [inaudible 00:00:32:45]. Mr. Robert [Bettis 00:32:46], and just everybody for watching, guys. Thank you. Like it. Follow. Subscribe. Put any more comments, any more questions. I really enjoyed this and I know there's going to be a lot, lot more stuff coming. Thank you guys for everything and I appreciate everything. Bye-bye.

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