Scott Reeves

Scott Reeves is the Senior Vice President at Chickasaw Community Bank and specializes in commercial banking and real estate. He has been in banking for over 20 years and, in 2021, was recognized as Chickasaw Community Bank’s top producing loan officer. Scott graduated from Oklahoma State University in 1989 with a degree in marketing.

 


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Here’s a glimpse of what you’ll learn:

  • Lessons Scott Reeves learned from being in sales
  • The secret to success when cold calling
  • How Scott transitioned from sales to banking
  • Scott’s tips for closing a deal with an investor
  • Criteria for lending to a first-time property investor
  • What are Chickasaw Community Bank’s loan structures?
  • Scott explains the difference between a community bank and a national bank

In this episode…

For lenders, organizing a deal with a property investor is an arduous process that takes careful consideration. So, how can you successfully manage these types of loan negotiations?

According to Scott Reeves, answering the phone is the first step to initiating a successful loan deal. Accessibility is crucial for establishing a relationship with your clients to understand their needs and let them know they’re top of mind and working on their loan process. Scott also says that by maintaining transparency in your loan structures, your clients will have a firm grasp of how to proceed with the deal.

In today’s episode of The Same Day Podcast, Mat Zalk sits down with Scott Reeves to discuss achieving success in the banking industry. Scott shares his tips for closing a deal with investors, the criteria for loaning to a first-time property investor, and the difference between a community and a national bank.

Resources mentioned in this episode:

Sponsor for this episode…

This episode is brought to you by Keyrenter Property Management.

Keyrenter Property Management is a full-service property management company who helps their clients buy, renovate, and operate real estate assets.

They help clients build wealth while taking the headache out of property management.

That’s why, no matter what rental you have — single-family homes, condos, townhomes, or apartments — they can give you the management solutions you need.

To learn more about their services, go to https://keyrenterpmc.com/ or send them an email at [email protected].

Episode Transcript

Intro  0:05

Welcome to the Same Day Podcast where we discuss driving incremental business growth and other topics related to real estate, property management and entrepreneurship. Now to the show at hand.

Mat Zalk  0:16

Mat Zalk here on the host of the same day podcast where I connect the top business leaders and real estate experts. I’ve had the previous focus on the podcast, Mike Bosch of attentive capital east and air vision Chip Gaberino Topeca coffee. I have Scott Reeves. On the podcast, check us out community bank, great community banker. Before we get to that, we’ll do a quick sponsor message. Today’s episode is brought to you by Keyrenter, Property Management at Keyrenter. Property Management. We’re a full service property management company helping our clients buy, renovate and operate real estate assets. We help our clients build wealth while taking the headache out of real estate management. Listen, Scott. One way we do that is by paying clients invoices, that can be mortgages, that can be property taxes, that can be insurance bills. You and I have a mutual client, Ryan and Jason out of out of the bay area and we actually pay their insurance bills, their mortgage bills or property taxes. What does that help them do? It helps them do what they do best, which is actually acquisition building relationships with people like you and it and it helps them really focus on the core of their real estate acquisition and their portfolio. In fact, the renter’s helpline adjacent turn a nonperforming 14 unit property into 100 plus unit property portfolio. Their houses are renovated single family multifamily and we’re pretty proud of of their accomplishments. That’s why no matter what rental you have single family homes, condos, townhomes apartments, we have the management solutions that you need go to Keyrenter Tulsa Keyrenter Oklahoma City, or Keyrenterarkansas.com. For more details, or you can email us at info at keyrenterpmc.com. Before reintroducing today’s guests, I want to give a big thank you to Chickasaw Community Bank. Scott was Chickasaws community was Chickasaws website,

Scott Reeves  0:16

www.ccb.com

Mat Zalk  1:18

Beautiful www.ccb.com. They specialize in commercial banking, particularly in real estate. Scott Reeves, our guest today is an Oklahoma State graduate grew up in Tulsa and has been in banking for over 20 years, he was the 2021, top loan producer for Chickasaw Community Bank, I know that we use Scott, personally, he’s a great banker. We’re gonna get into that today. But Scott, tell us a little bit about how you got started.

Scott Reeves  2:34

I graduated Oklahoma State in 1989. And my father was a salesperson, and that’s kind of the direction that I got into and during that time period, I started off selling office supplies. And then I sold Oscar Meyer hotdogs. And then I related to medical supplies, and business forms. And in one day, I interviewed for a job with American Express selling credit cards. So that was my first entry point into what I call banking. So I started doing commercial credit cards, I had a great career with American Express, great company. And I transitioned there to another bank, telling commercial credit cards and moved into more of a business development role for the entire bank. And had a great career there for over 11 years and saw the opportunity with the Chickasaw Community Bank and what was going on here and came over here a little bit over a year and a half ago. So I really enjoyed the Community Bank feel beautiful.

Mat Zalk  3:45

Let’s let’s step back for for a couple of seconds to the beginning of your career. What What were you? What were you proud of and selling Ostermeier? Winners? What was the kind of how did you find success? And what was your biggest accomplishment there?

Scott Reeves  4:00

Oh, I you know, I think with Oscar Meyer, it was it’s a perishable product. So it is. The one thing I’ve learned in my sales career is I’ve been very good at prospecting. And I made a career out of prospecting new business with me and and learn that from selling different things on how to how to cold call how to, you know, use marketing tools to open doors, and I’ve been very successful at it. So the funny part about Oscar Meyer is there were certain parts of Oklahoma that I would sell more liberal, low, weird kind of lunch meat than anywhere else in the United States. To have that was the interesting part. Another great company.

Mat Zalk  4:45

In fact, on the cold calling side, I mean, you and I met because you cold called me and he said are you interested in a new banking relationship? And at the time, I didn’t think I really was. But you called and I suggested you come to a networking group that I was a part of or that we are both still part of and I Um, and you know, we’ve done a lot of business ever since. So the cold calling thing really works, what’s the, what’s the scariest part about cold calling, or what’s the what’s the secret to people that are in the industry, you know, where they need to cold call and, and it may or may not have found the ultimate success but but you don’t want to go that route.

Scott Reeves  5:17

That’s something I talk a lot about. And I’ve done a few sales trainings is, I did not like cold calling in 1989, when I first got college, I do not like it today. But it’s something you have to do. It’s all about activity, you can be the greatest salesperson in the world. But if you’re not, if you don’t have any activity, you will not succeed. So and you can be the worst salesperson, but have enough activity that you’ll still succeed. So it’s a combination of both that and and it’s changed a lot, man, it’s, you know, with technology and LinkedIn and social media, you know, that whole landscape has changed dramatically. From when I first started, you’re picking up the phone or writing letter to

Mat Zalk  6:02

how do you muster up the courage? Or what sales practice do you use? Do you calendar time? How do you force yourself to do cold calling, if it’s something you don’t really like to do?

Scott Reeves  6:11

Well, you know, it’s kind of, it’s kind of like fishing, I’ll use that as an analogy. You’re gonna go fishing, like, and some days, you’re gonna catch a lot and some days, you’re not going to catch anything. So that’s a great analogy that, you know, it’s, it’s the hot and then when you do you catch something, you know, you get somebody, that’s the thrill, that’s the best part of the job is finding that, you know, that customer that fits really well with you. And but you may have to make several 100 calls before you get to that, to that right prospect.

Mat Zalk  6:45

Right. So transitioning forward, you had a bunch of different stepping stones, but you got the Chickasaw Community Bank, what was the what was the transition? Did you go? You went from, from American Express into banking? What was that transition? Like? Was it easy? Was it hard?

Scott Reeves  7:00

It’s still hard. I mean, I understand the treasury management pieces of banking, and I understand that commercial card. But you know, obviously, being a commercial lender is a lot more involved. And I’ve always had the business development skills, I think I’m done very well on that aspect. But I have a lot, you know, we have there’s a lot of tools at my disposal, here at the bank. And we’ve had some really good mentors to work with. On the on the finance side.

Mat Zalk  7:31

So yeah, sorry, go ahead.

Scott Reeves  7:34

I mean, when I was, it’s kind of funny, I was having lunch one day with a real estate investor that and I was working for another bank, and I started listening to them, and what they done with buying single family rentals and multifamily, and it just clicked in my head, that this is what I want to go do. This is the type of lending I want to be involved in. And that’s what made my decision

Mat Zalk  8:01

and what what about, it was exciting in that, you know, and you’re talking to those people.

Scott Reeves  8:06

I mean, it’s, it’s, it’s pretty, you know, doing that type of landing, you know, it really is not that complex, as you think and just, you know, watching people be successful in area and how they did it. You know, that was, you know, I want to be one of those, I want to be an investor and a commercial lender. So,

Mat Zalk  8:28

so fast forwarding through to Chickasaw Community Bank and, and being the top producer of 2021. What, what allowed you to to get there, it’s not just cold call prospecting, presumably, it’s other relationships and it’s other Amen, you’ve got to get the deal done. I mean, what what allows you to take a relationship and, and there are plenty of bankers out there, Lord knows there’s a lot of competition. So what allows you to go from from the point where you’ve got the relationship or you’ve made a cold call through to actually getting the deal done?

Scott Reeves  8:59

You know, it’s, it’s a couple of things. So, you know, having a key relationships, having those key partnerships are really critical. Answering the phone, being proactive with people, you know, you got to stay top of mind with them. And, you know, I’m always managing a sales funnel, you know, so, you know, you got to have the top always filled up and then you’re trying to, you know, drive them through the funnel. And that’s just something that’s been bred into me since 1989. That sales funnel, so I’m constantly looking at it, and I’m constantly prospecting.

Mat Zalk  9:39

So tell me more about answering your phone. I mean, here at Keyrenter, we so often hear, when you pick up the phone, somebody say on the other end of the line? Oh my gosh, you guys are the seventh person that I’ve called with the first person to answer the phone and it drives me crazy that they’re the seventh person that we’ve started that we are the seventh person that they’ve called, but it makes me happy that we’re the only ones answering your phone I’ve said for so long that our key to success is just answering the phone. Tell me about your, you mentioned the same thing was just seems, you know, it’s obviously critical for any industry, but you’re finding success and just answering the phone Tell me about that.

Scott Reeves  10:12

I’m in the in the loan cycle from, you know, from the very beginning to gathering their financials, you know, going over the structure of the deal. The rehab budgets to insurance docs, to me presenting a memo getting approval, there’s a lot of steps involved to order an appraisal to retitle. So, you know, despite whether it’s a new investor or a very experienced investor, you know, this is a big deal. They’re there, they’re making a purchase, you know, a recurring revenue, but they’re, you know, they, they’re, they’re excited about, you know, a property that’s going to make the money. So, they want to know who they are and that process, are they going to close in time? And, and I think that’s what sets me apart is, I want to answer the phone, I want to make sure that, you know, they’re they know where they’re at in the process. You know, one thing is, you know, we want to be the fastest, yes, we’re the fastest now, because that’s what people want to hear, right? Absolutely.

Mat Zalk  11:15

So what can someone do to make your life easier in this, you know, their life easier, they you have a bunch of steps in the process, I come to you with a property, I’ve got it under contract, I need to get it financed. I’m against a deadline, it’s time is tight in general. I mean, right now, in 2022, it’s still pretty crazy. appraisers are still backed up, lenders are still backed up, title work has to get done. And they’re backed up, what can somebody do to get the process started immediately and make your life easier, so that you can close the transaction on time and get the financing put in place?

Scott Reeves  11:45

Well, there’s couple things they can have, you know, I will ask for, you know, their their their personal tax return their business tax returns, or personal financial statement, an existing rent row, I’ll need all that information. And the quicker I get that, the quicker I can start on my analysis, if I’m having to go back and piece and ask for this piece and, and keep following up until I have everything ready. That memo doesn’t get done. The other pieces have, you know, been writing for the insurance towards the end having that piece title work, and then you know, going out and a lot of people will do rehab, so I’ll have to have a rehab budget, all those steps. And working with me, and that’s where that communication is constantly happening is you know, we’re constantly trying to get to the finish line.

Mat Zalk  12:35

I’ll say on the single family side we use Chris Lyle and you guys use Chris law to State Farm Insurance are by far the most reasonably priced insurance in in many parts of Oklahoma, also super quick to get to turn around a certificate of insurance or whatever they actually do. You know, with with with Chickasaw Community Bank is as the named insured on the policy. And then for multifamily, they also have pretty good policies right now things ebb and flow with State Farm on the on the multifamily side, but certainly in the, you know, 15 to 20 unit range that can do, they can do some pretty competitive stuff. We also go over rich, rich and Cartmell, which is Jason Mayfield is a broker that we use over there. And, you know, they also historically had competitive rates, but the commercial space and apartments is just tough. In Oklahoma, we have so many hail claims, we have so many other storms that come through, it just becomes a really, it becomes a really burdensome bill to be able to, to have to pay I should say. But so in essence, if somebody wants to expedite the process, they can have one folder that has their tax returns that has their business tax returns, that has any other financial details that they know you’re eventually going to need anyway. So just throw it all together in one into one folder and pop that across to you. And it makes it a lot easier. Right. Absolutely beautiful. And what other stuff? What are you looking at criteria wise as to whether you’re willing to lend to a person on a property?

Scott Reeves  13:52

There’s there’s, there’s, there’s several I mean, we’re gonna look at, you know, your personal debt service coverage ratio, you know, can they afford it, this this investment that they’re getting ready to buy? We’re going to look at the project itself, does it? Is it cash flow based upon the rent projection or the current react? And then we’re going to look at it from a global standpoint as well. You know, we’re going to look into a credit score, you know, and that’s kind of a little bit about their character, you know, are they have a lot of late bills, are they, you know, they pay their bills, that makes a big difference. Experience, you know, you know, not that we won’t do it first time investor, we will and we do a lot of them. And, you know, we also in our memo we also put down if this property is going to be managed by a property manager because that means a lot in our, in our on our loan committee that we know that somebody is managing the process, whether it’s to rehab, they’re managing the red, getting the grant up, I mean, we that is something it is required. I got put in that in a memo that is managed by a property management company.

Mat Zalk  15:03

And oddly enough, I didn’t even know that. That’s great, great to hear. But I don’t even know that. So when somebody is a first time investor, you’re going to look at their credit score, you’re gonna look at everything you’re going to look at for a seasoned investor. But what else can that person do to help get that memo through the credit committee and get a loan on the property that maybe a more seasoned investor doesn’t have to do?

Scott Reeves  15:23

I mean, they, you know, we’re looking at it, we’re looking at your liquidity, you know, your work asking him to put you know, 20% cash in and the purchase price, sometimes it’s 50%. Every deal is a little bit different, and the structure, but you’re having that liquidity that cash is important to us as well. Yeah. Basically, can I afford? It’s just like, if I loaned you money, right? Can you pay me back? Sure. And I’m gonna look at all those factors.

Mat Zalk  15:50

And what happens when somebody comes to you with a deal that’s got plenty of warrants on it? And they say, I want to, I want to do the rehab, the construction? What’s the structure of the loan? Or what are some options for the structures of the loans that you guys can provide?

Scott Reeves  16:03

I mean, typically, we’re looking at, you know, 20%, down and the purchase price we’re looking at, you know, we’ll do 100% of the rehab. But it really, we’re looking at loan to value to stay at a certain range during that period, we can do an interest only period for the construction side, we do a lot of that from the rehab budget. I mean, that’s, that’s the basic structure of a single family unit.

Mat Zalk  16:33

And How involved are you like, for example, when I actually found a property that I live in now that we did a construction financing deal, it was actually a 30 year conventional mortgage, it wasn’t a commercial deal. But every time I stuck a two by four in the property, I’d have to send them an email and say, Hey, by the way, I’m, I’m now you know, 37.64% complete, and they would send out somebody to look at it and make sure that that stud was actually in there, when I, you know, did electrical the same thing did sheetrock same thing, put a track and same thing, How involved are you guys in terms of making sure that the rehab is is, you know, working, that the rehab is progressing, as you fund some of the construction?

Scott Reeves  17:16

Well, I have some great people that work for me that assist me. And so I will have, you know, Jamie is really involved in this. And so she will want one, we’ll set up an account for him automatically with the bank. So they’ll do a draw and when they’re sending me an invoice, and that’s where, you know, people like yourself, property management really pays dividends, because you got it all done for us. And then we’ll transfer that money out into their bank account or pay you directly. Either way, it becomes a lot easier for them so that they’re tracking those expenses, because we have to track those and then we’ll send out an inspector to come out to see that the work has been done.

Mat Zalk  18:00

Right, I can see it makes it a lot more. It’s a lot easier if we can just send you an expense report that has all the expenses on the on one report. And I can give you a kind of perspective of where we are in, in in construction and how much more in terms of time and budget, we’re going to need to get the job done. And then obviously have more faith in the in the projected numbers if we’re able to, you know, tell you what we think that’s going to be with our expertise. So that makes a lot of sense. Let’s go back. I mean, what would tell me about earlier parts of your career, and things that you learned lesson that you lessons that you learned, that helped you once you switched into the commercial banking role? We talked about prospecting already. So let’s leave that aside for a second cold calling painful. I got that what else? What else kind of has helped you to chalk up big milestones in your career in banking?

Scott Reeves  18:52

You know, I think it’s about listening, not wanting anything. And you’re just listening to the client, asking the right questions, you know, you know, I tell them that they say, you know, what, what do you want to do? You know, what, you know, what, what’s your ideal deal, you know, situation that you want to put together and open it up and just listening to them and just being very transparent. And here’s what I can do or this, you know, what’s most important to you and this deal, and then trying to come up with, you know, we’re looking for ways to get deals done. And I think we’re one of three banks in Oklahoma that are really good about figuring that out.

Mat Zalk  19:31

You and I recently did a deal together we have it we share a mutual client that was doing an apartment apartment complex refinancing and client came to me one day and was joking that you know, Scott Reeves is the guy that always answers his phone. You know, so I certainly think that you and I don’t want to harp on it too much, but I certainly think that that is such a critical component to getting deals done. Tell me a little bit about the importance of communicating in the loan process and and how you Scott Reeves go the extra mile to free You’re out how to get deals done. And let’s talk for a second about about that apartment complex refinance and why that client was joking about the about you, I was answering the phone,

Scott Reeves  20:09

he, it was a joke, because I missed answering his call by five minutes. So I called him back in five minutes, he goes, that’s the first time that you hadn’t. But in order to do that, with the amount of emails they get a day and phone calls, a lot of stuff has to be done after hours, and, or really early in the morning. And the rest of its just communicating, because it’s amazing that I said, you know, and I know how many steps are involved to get to the finish line. And it’s a lot. So answering the phone, it’s just, you know, they’re excited, they’re wanting to get things off their plate, and then they need to talk to somebody. And so that’s what I try to do.

Mat Zalk  20:55

And people just want to feel like the ball was being pushed, you know, down the field, people just want to feel like it’s not there’s no stagnation in the process. And we’re always making a little bit of progress, even if it’s even if it’s minimal. On a daily basis, there are so many hands that come in and touch any given deal. I mean, again, there’s the appraiser, there’s the banker, there’s the title work, that needs to happen, there’s inspectors, there’s so many things, and people just want to make sure that the ball is not being dropped, and that whoever’s caught the ball is in it’s kind of, you know, it’s it’s being pushed forward. Tell me, tell me a little bit more. So you transitioned into banking, you went from bank to bank a couple of times? What led to some of those decision decisions? And what do you find to be the biggest difference in what’s going on at Chickasaw Community Bank, visa vie, other banks that you’ve worked at in the past?

Scott Reeves  21:42

That’s a great question. You know, I’ve worked for America’s brass, great marketing company, you know, you’re really sales organization and driven with a great product, I’ve worked for another bank account, regional bank, and it was a little different as a regional bank, because it feels like it became it was becoming a much larger bank. And with that comes that transition to a nationwide bank is there’s a lot of things that change, and I’ve worked or the large, large, large banks, as well. And so to me, it’s more clear cut with the larger the bank, the more it’s more policy driven, and it’s like you’re putting something in a computer and it’s spitting out yes or no, to me, that’s what it feels. And, and every state is different. So you know, what’s going on in Oklahoma is gonna be very different than what’s going on in California or Arizona. Sure. So having a bank locally, that understands that is very important, especially the housing market, and the rental market, and the multifamily that the community bank is going to have a better understanding what that looks like. And that’s, that’s where, you know, there’s a lot of reasons like somebody that has, you know, their, their credit score is marginal, there can be some really good reasons for that. And if you are a big investor into real estate, your credits getting pulled a lot, so that I can pull it pull it down as well, I’d rather have that guy and seeing it, he has no delinquencies are late. But you know, that’s just part of the equation. So, you know, that’s not a huge deal. And some bank sets and no, automatic bank, it’s not, you know, we’re looking at a lot of different factors. And I said, there’s five C’s to credit, but the most important one is character. And I believe that this person is going to pay me back, is this person gonna be transparent with me? That’s, that’s very important.

Mat Zalk  23:54

And so where were you? Right before he joined Chickasaw Community Bank? Who were you working with?

Scott Reeves  24:01

The bank? I was with a bank called UMB Bank at Kansas City.

Mat Zalk  24:06

And did you have mentors there that helped kind of propel you through the, to this transition to Chickasaw

Scott Reeves  24:13

absolutely sad. And, you know, there’s a lot of people in banking that I came through UMB Bank that I’ve had the pleasure to work for, and they’re great people,

Mat Zalk  24:23

that one of the biggest lessons you learned from some of your, some of your top mentors.

Scott Reeves  24:28

You know, some of them, you know, there was some of them that were just really had a knock quit attitude, like they would stay up all night writing a memo. Again, it’s about you know, working harder than the other guy. And I’ve learned that I’ve learned a little bit of patience from other people I’ve worked for, you know, just being patient with the process. That’s also a very important tip.

Mat Zalk  25:00

Yeah. On a personal side, what are you doing for fun? What do you like doing when you’re not when you’re not at the office?

Scott Reeves  25:07

I spent a lot of time and I live in Kalita on 20 acres, and I spent a lot of time with my family. I like to finish I like to laugh about like a mo alive by relaxing so I have a 17 year old daughter that I just adore and proverbs and metal being married to me and to step kids and live life is good.

Mat Zalk  25:38

What’s What do you enjoy about mowing? When you’re out there, tell me about your your process is,

Scott Reeves  25:44

you know, it may take me seven or eight hours to mow my well. So I put on my music, my headphones, and it’s very mindless thing. But I’m thinking the entire time thinking about work again, you know, just about a lot of things. By the end of it. I you know, I’ve worked everything out that I need to work out from the next week. So

Mat Zalk  26:06

well, mowing seven or eight hours of mowing and you haven’t thought about outsourcing it you you’re committed diehard to that taking time and doing it yourself.

Scott Reeves  26:14

You know, I’m taking it a step further than that. I actually bought my wife a mower. And she did it one time, and she’s now addicted to it. So you because he loves it because the sign you’re outside, she’s getting inside and and she’s very OCD. So she likes to stick me on the straight lines and everything. So she just loves it. So I like well, okay, you can do this half over here. So it sounds like good compromise. It is a company and I’ve had to let her in on the secret. So that’s funny.

Mat Zalk  26:48

You grew up on the east side of Tulsa, you’ve got some crazy stories. Tell us tell us some of the crazier things that you’ve done in your life.

Scott Reeves  26:56

Oh, man. There’s a lot there. There’s be stories. You know, I, I learned a lot from growing up in east side, east Tulsa, you know, I saw a lot of people who didn’t have fathers and didn’t, you know, that weren’t born on third base. And that I felt was very lucky to be born in a middle class family. And but it really the climb is really hard for people that don’t have those advantages. And so, you know, I keep I think that’s, it stays in my mind, you know that, you know, there’s a lot of people that are not it’s a harder climb to get to where they need to get when I grow up in those conditions.

Mat Zalk  27:45

Yeah, absolutely. That’s so true. is absolutely true. been one of the the, I guess they call it the birth lottery. George Kaiser here in town calls it that. Just, you know, if you if you start on second base, it’s much easier to get around and score than then than not. So it’s definitely something you know, great to keep in mind. There are people less fortunate than us out there that we should always work to help try to try to bring people up.

Scott Reeves  28:14

It’s Ethan’s are very loyal to each other. So immediately, when you know somebody that’s from a side, there’s a bonding moment.

Mat Zalk  28:26

Awesome. I’ll keep my eye out for some East siders and see if I can convince them that I’m one of them. Who do you Who do you most respect in your industry? Who do you look to who you listen in to podcast wise books that you’re reading? Who eat locally or nationally, internationally, who you really following keeping a close eye on to get an advantage in your business?

Scott Reeves  28:51

You know, I can’t do what Warren Buffett said, you know, I will spend early in the morning 40 minutes to an hour just combing through Yahoo Finance, reading articles. I love the let’s learn about economics. And there’s a lot to learn about right now. Is there anything going on? So I guess that’s an advantage for me because I want to be able to talk to people about you know, interest rates and the housing market and what’s going on? That’s I guess, but it’s across the board. I listen to all different sides of the story.

Mat Zalk  29:34

Yeah. Love it. Anybody that you think that we should have on the podcast to talk to be an interesting guest for us?

Scott Reeves  29:41

I would love to you to have Ryan land Tran the guy I work with and the president of bargain he would be a great person to talk to you.

Mat Zalk  29:48

Ryan Lynch. He’s the best. We love to have him on here. We’ve been talking to Scott Reeves loan officer Chickasaw Community Bank, Scott, where can people find more about more information about the bank?

Scott Reeves  29:57

You can go to our website All website and Google information or feel free to give me a call. Can I give him my phone number? Absolutely. I numbers 918-409-4329 if you you know if I can help somebody out. Like we’d love to talk.

Mat Zalk  30:17

Awesome. Thanks Scott’s thank you so much. We really appreciate you being on I look forward to seeing you many more times.

Scott Reeves  30:23

Appreciate you.

Outro  30:28

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