Ruth Phillips & Shelia Middleton #1

We're "Asking the Experts" from Cadence Bank Ruth Phillips and Shelia MIddleton on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:04):
Memphis probably presents the Ben Johnson Show.

Speaker 2 (00:08):
Let me say, Beth, I've.

Speaker 3 (00:11):
I've gone m.

Speaker 2 (00:14):
Me fist. Let me you say she's gone hempist gain
No matter of the problem she can have. So all

(00:34):
the phone and a normal thing your mind. She was
there Jimmy ding in the hair by challing you to
just keep them.

Speaker 4 (00:45):
Fren went around picking up them.

Speaker 2 (00:51):
Johnson Show, he goes got a talking happy fuck you
can hear every day. Indeed, I ain't man my bell
got me a missed up and get good morning, good morning,

(02:09):
good morning, and welcome in tod i a the BEV
Johnson Show. It is indeed a pleasure to have you
with us once again on this Wednesday. Hoday, it is Wednesday,
November twelve, twenty twenty five. Enjoy this fabulous day to day.

(02:34):
Get ready to put your ears on as we share
a good news once again. Back in the saddle, we
will be talking with Miss Ruth Phillips of Cadence Bank
to help you become that homeowner, So get ready to dial.

(02:57):
Second hour. We will be talking with our Cairo rectour
doc Bobby Myers. Yeah, we'll be talking with us to
make sure we have our health together. Yeah, well, it's
your turn to talk. You know you can. All you
need to do is dial these numbers nine zero one, five, three, five,

(03:22):
nine three four two nine zero one five three five
nine three four two eight hundred five zero three nine
three four two eight three three five three five nine
three four two will get you in two me And

(03:48):
if this day, this, this, this, this, this here day, Wednesday,
November twelve, twenty five is your birthday. Happy birthday to
each and every one of y'all out there who may

(04:09):
be celebrating a birthday on this day. You know what
we say, Go out, y'all, go out and celebrate your life.
You better, you better. When we come back, we'll talk
with Miss Ruth Phillips of Cadence Bank. Next with me

(04:35):
Bev Johnson on the Bev Johnson Show only on Double
You d I A A good morning, Good morning, and

(04:59):
welcome into Double A, the heart and soul of Memphis.
Good to have you here on this Wednesday, November twelfth,
twenty twenty five. Enjoyed this fabulous day to day. As
I said earlier back in the house, we'll have the
sisters from Cadence Bank. But before we talk to them,

(05:20):
and let me say this because yes, I know, I
know y'all were telling me we lost John. And yesterday
his nephew emailed me and told me that we lost brother,
his uncle John. And it's interesting that he emailed me

(05:45):
yesterday because my guest yesterday they were asking about John,
and I said, I hadn't heard from John. We hadn't
heard from him, and the last thing we heard that
we knew he was ill. But again, my condolences out

(06:05):
to the family of John. I was thinking about some
some some of the funny stories about John. But I
think about this, y'all. And I remember when we were
down on on Union and we were we were we
were doing the casino every Wednesday. I think we were

(06:27):
going down to the casino and I was talking to
John on the their air and he said, I want
to talk about I want to go to the casino,
but I don't have a ride. And he kept talking
about that, and I said, John, you know what, I'll
pick you up. He said yeah. I said, I tell you,
I'll meet you at lou Seals and I will pick
you up and take you to the casino with me.

(06:51):
And I went. I went to lou Seals Ladies and
and and I said, y'all ain no, y'all ain't no good.
These listeners. It was a bunch of listeners waiting there
at Lucille's to see if I was gonna pick up John,
and and they just followed and I got John, and

(07:12):
I got John in the car, and John and I
went on down to the casino. John had a fabulous
tide and the folks they were falling out. I said, yeah,
I got John and brought him back and dropped him
off into his mother's house.

Speaker 1 (07:27):
And I did.

Speaker 2 (07:27):
And I will always remember that because y'all didn't think
that I was gonna pick up John. I am a person.
Let me. Let me tell you this because my mother,
my grandmother, always told me this. Your word is your bond.
That's right, you know, Ruth, Just yo yo. My grandmother

(07:48):
would tell me, your word is your bond, that's all
you have. She would say, your word is your bond.
So when you tell folks something, you have to keep it.
So I picked up John and lu Sials and we
had a good time. We rode on down to the sino,

(08:10):
had fun with the wd I a folks, and then
we came on back and I dropped him off at
his mother's house. But I did that. I liked John.
I like John. I think about Ruth. John talked about
when they made that new movie King Kong and Samuel L.

(08:30):
Jackson was there and John would say, they said, Nord Jackson,
he needs to be King Congis. Oh wow, but you
know what. Yeah, But my condolences to the family of John.
I don't I don't know John's last name, but I'm
sure that his. His nephew told me that he would

(08:52):
let me know, so I can tell you all about
the services, and I'll do that as soon as he
lets me know. But Michael out to John. And again
my condolence is out to Lady p because she lost
her man Melvin, and you just don't know. So that's
why I tell y'all to celebrate your life. You better,

(09:16):
you better, Ruth, you better celebbrate your life. Yeah, so
I wanted to say that, Thank you Ruth for letting
me say that. Good morning, sister.

Speaker 1 (09:29):
How are you? I am fantastic on this nice beautiful
fall morning.

Speaker 2 (09:34):
It is. It is a nice beautiful fall morning, and
I see you brought your partner in here with you.
Good morning, miss Bam.

Speaker 5 (09:42):
How are you?

Speaker 2 (09:42):
I'm doing well today wonderful. We don't complain. We just
keep on. We keep on rolling. We have to keep rolling.

Speaker 1 (09:49):
We have to keep rolling, yes, because she just says
something really important.

Speaker 2 (09:53):
We got to celebrate life.

Speaker 1 (09:55):
You do daily, you do, I think sometimes second second,
because just like that we could be gone.

Speaker 2 (10:03):
Right. So yeah, that's that was kind of touching.

Speaker 4 (10:05):
Bath.

Speaker 2 (10:05):
Yeah, well thank you, but but I think you know,
we have to do that, and and and and I
always say this, it's time out for foolishness. It is,
it is. I wholeheartedly agree with you. Time out for foolishness.

Speaker 4 (10:21):
Yeah.

Speaker 2 (10:21):
And I was never for foolishness anyway. So time and
a season for all things, that's right.

Speaker 1 (10:27):
And I don't think it's the time now or the
season for a bunch of foolishness. We need that focus, yes, ma'am,
and on our journey, that's right. But you touched me
this morning. Oh good, because people think that you know
you of course you're a legend, that's right. But you're
in touch with your audience, and your compassion came through

(10:50):
when you went to pick up pick up John.

Speaker 6 (10:53):
Yeah.

Speaker 2 (10:54):
I think that's sometimes people don't.

Speaker 1 (10:56):
Realize you're a star. Now, don't get it twisted. You
are a star in your own right. Yes, ma'am you are.

Speaker 2 (11:03):
Yes, ma'am, you are people I asked me all the time.
I told you.

Speaker 1 (11:05):
I was at an open house one year and the
lady came in and she reckoned. She said, I want
to take a picture with you. You're gonna see bed
and I'm like, yeah, yeah, once a month. But I
realized that you're a star.

Speaker 2 (11:17):
You know, you are a star.

Speaker 1 (11:18):
And the fact that you would have compassion for John
to even make his dream a wish come true to
get him to the casino.

Speaker 2 (11:25):
Yeah, yeah, because he he you know, we were doing
that every Wednesday, and listeners would come down and stuff
and said, you want to go, So I don't. I
don't think John was gonna pick me. I think I
was gonna pick him up either. But I told him,
I said, be at lou Seals and I will pick
you up because that was on the way. Yeah, and uh,

(11:47):
he was there. He was shopped to ruthe I bet
he would. Yeah, John addressed, I would see coming to
work in the morning when John lived over there by me.
I would see Johnny was walking. He stro he was
walking to the store. But he would be shopped. I
like John had I like he was walking, had his
little cane, I said, and I would holler out the

(12:07):
window and it will be country John, I'm country like that. Yeah.
I would holler at my window and he'd wave.

Speaker 1 (12:16):
To be And I said, okay, yeah, I like that.
I like you for I appreciate you sharing that this morning,
because that put another you know, it's just elevated you
just a little bit more. You're you're actually a real person.

Speaker 2 (12:32):
Hey, sister, I'm not a No, you're not. You have compassion.
You know, you are a real person. But my grandmother
always told me, said, well she would know. She would
tell my mother that that's a special child. I don't
know what. Well she would tell my mother that's a
special child. She saw something in you a long time ago.

(12:55):
Yeah she did, yeah, even at birth. Yeah yeah, and
I was her first grandchild, right yeah, but yeah, but
I wanted to say that, but no, enjoy your life, celebrated, celebrated, celebrating, Yeah,
that that you are still here and you can still

(13:17):
breathe and go on.

Speaker 1 (13:18):
Absolutely absolutely so precious is And the Bible says it's
like a vapor and it's gone quickly. Yes, it is
it's gone quickly. You are absolutely right, So you don't
have time for foolishness.

Speaker 2 (13:32):
We don't have time. I sure don't have time for foolishness.
I don't want to entertain it. I want to not
even call me to talk about I know I don't
entertain it.

Speaker 1 (13:42):
No, So when you start down foolish road, I'm gonna
try my best to jump in and put you on
refocus you because a lot of times when you're dealing
with foolishes and people calling you with foolishness, it is
to distract you from your destination or to add baggage
as you carry it along to get to your destiny.
So you have to get that put out, put that

(14:03):
fire out quickly, sometimes like Okay, I'm gonna call you back.

Speaker 2 (14:07):
No, I'm not calling you back because I don't want
to hear that. You just have to move on very quickly.

Speaker 5 (14:11):
But not only that, when you know that they are
sometimes foolish. Let's if that's the word we're gonna use
when they when that phone call come, you know they
finna come with that. So you don't even answer no.

Speaker 2 (14:25):
Right, we have called her? Why why entertain correct? Hey,
that's right, And you know what. Thank you, sister, she
just told me, And you're right. John's last name John Douglas. John,
that was right, John Douglas family. Yeah, absolutely, yeah, we
we we we have our prayers and thoughts for this.
Thank you sister for sending me that text. Yeah, yeah,

(14:47):
it's right, John Douglas. You're right, that was his name. Yeah.
But okay, so so, so y'all got off soapbox. We
like attorney ears, we got off the soapbox. Got a soapbox.
All the ladies get a soapbox. I like that. But
I I enjoy their soapbox. I do too. I love it.

(15:09):
I love it and and and people in the community
love it because they always say, we like Attorney Ursual soapbox.
And that's why I call it that famous soapbox. Absolutely,
she's in touch with people.

Speaker 1 (15:21):
Well sometimes what people are thinking are you know again,
she may be able to get them focused on some
of the things that she actually talks about. So I
really really do enjoy her soap. I missed it yesterday.
I caught Monica Attorney Monica. I caught what she was
talking about, putting people on the on your children, on
your on your d That was last week. Okay, so

(15:44):
yeah that was last week. So yeah I caught them there,
but I missed the soapbox. But yeah, it was very good.
One of these years, I'm gonna be uh take us live.
I just I'm just not good with live during the broadcast.
And you know, because people are like, oh, they love
the live, and I'm like, I don't. I'm not that
quite good at live.

Speaker 2 (16:05):
I'm gonna work on you. Work on it. I'm gonna
work on it. I'm gonna work on it. I'm gonna
work on. Social media is a lot of work.

Speaker 1 (16:11):
It is.

Speaker 2 (16:12):
Oh.

Speaker 5 (16:13):
I believe in if people take out the time to
respond to your post, yes, you should take out the
time to say thank you.

Speaker 2 (16:21):
Absolutely, I agree with you.

Speaker 1 (16:23):
I agree with you sometimes, you know, even if it's
a day or two, a week or two and you
forgot to reply, go back in and reply because they
took the time.

Speaker 2 (16:31):
They could have just hit the like button. But people
make comments.

Speaker 1 (16:34):
And I celebrated. We celebrated my father's ninety ninth birthday
last weekend, and I know that was so excited. He
was excited too about his birthday and having a little
dinner for his birthday.

Speaker 2 (16:47):
So I gotta go back. He now she looks.

Speaker 1 (16:49):
People are still making comments and just tell him thank
you because they don't have to say, you know, happy birthday,
mister last. They don't have to say those things. And
I am quite grateful for it. I mean, I have
no doubt we're blessed to have him.

Speaker 2 (17:00):
But you just let him do whatever he want to do.

Speaker 1 (17:02):
Oh, trust me, he ninety nine and he does exactly
what he wants to do.

Speaker 2 (17:09):
I love that even when he Yeah, I love that.
That's a good age. It is.

Speaker 1 (17:15):
It's a blessing. He still lives home, uh, in the
home by himself, and he brags about that. But yeah,
we he doesn't cook though he had a traditional wife,
so it's kind of funny that, you know, he doesn't
know how to basically, you know, he can't cook, can't clean.
Not that he's handicapped, he just never had to do it. Yeah,

(17:35):
so we have people to help him out.

Speaker 2 (17:37):
Yeah.

Speaker 1 (17:38):
I don't want to try a ninety nine year old
man to learn how to cook.

Speaker 2 (17:41):
No half, somebody to help him out. Yes, yes he has,
Oh yeah we do. So it's been good. So yes, ma'am,
I'm sorry, I'm on my box and it's okay, that's okay,
And today Ruth tell us what we're gonna talk about.
Then I'm gonna take a break, We're gonna come back
and and we'll get into our topic of conversation. Very good,

(18:02):
very good.

Speaker 1 (18:03):
Today we're gonna talk about the Cadence Bank mortgage products.

Speaker 2 (18:07):
Oh good.

Speaker 1 (18:09):
Strictly about what is offered through Cadence Bank, and we
need to know that, absolutely, absolutely, we have some great
mortgage products available and we're going to kind of go
into a little bit of detail about them. So if
you want to grab pen and paper, do that so
you can take down the notes. We won't read real detail,
but we're going to hit a couple of products we

(18:30):
want to talk about what's available and that can help
someone move from renting to owning their own home. And
then I'm sure we'll talk a little bit about what's
been in the news lately that Fanny may remove the
credit score requirements.

Speaker 2 (18:45):
Oh okay, so we need to talk I didn't know that, Yes, ma'am.

Speaker 1 (18:49):
There's more to the I want more to it and
then just removing it, and you see, so there's a
lot more to it. We'll talk about a little bit
about that, and then people are asking me about the
fifty year more.

Speaker 2 (19:00):
I guess we'll entertain that bit. We'll talk a little
bit about mortgage products today. Sounds good, yes, ma'am. All right,
we will take this break with me. Today from Cadence
Bank is Ruth Phillips and Chielah Middleton. We will be
coming back and talking about what they offer at Cadence Bank.

(19:20):
So you stick and stay for that and always when
it's your turn to talk, you know you can nine
zero one five three five nine three four two eight
hundred and five zero three nine three four two eight
three three five three five nine three four two will

(19:42):
get you in to us. You're listening to the Heart
and Soul of Memphis. W d i A.

Speaker 7 (20:02):
Don't go away. The Bev Johnson Show returns after these messages.

Speaker 2 (20:20):
You did a thing.

Speaker 4 (20:29):
I'm telling everyone and Beth, come fucking no, everyone.

Speaker 2 (20:46):
Welcome back to w d i A the Heart and
Soul of Memphis. My guest today from Cadence Bank Ruth
Phillips and Sheila Middleton. So, Ruth, we're going to talk
about the product. So let's begin to stop, all.

Speaker 1 (21:03):
Right, bab Before we jump into the products, I just
want to hit the Fannie May requirement that's out there
and it goes in effect.

Speaker 2 (21:11):
On the sixteenth.

Speaker 1 (21:13):
I do believe they are removing the credit score requirement
for conventional loans ran through Fannie May.

Speaker 2 (21:22):
Okay.

Speaker 1 (21:23):
Fanny May uses an electronic underwriting system that underwrites and
evaluates the performance of the loan. It's called DU Desktop underwriting.
It is electronic. It determines if you are going to
be approved for a mortgage electronically.

Speaker 2 (21:42):
Okay.

Speaker 1 (21:43):
It removes out the person as an underwriter on the
initial application.

Speaker 2 (21:50):
Okay.

Speaker 1 (21:51):
So as I looked at this when this was I
was getting texts last probably Wednesday and Thursday about this.
I started looking into it and saying, because you know,
sometimes there will be a lot of stuff on the
Internet and social media that may not be true, but
this has turned out to be true, and they're not
guaranteem that you're going to get approved. It is still

(22:12):
going back to desktop underwriting. How they look at everything,
the portfolio. The score is only one part of you
getting approved. That's something we talked about when we talk
about the five keys of home ownership. It's going to
calculate your income, it's going to calculate your debt, to
income ratio, the length of time you've been on your job.

(22:35):
That's what DU looks at all of that. What's the
risk of approving you with the lower credit score? What's
the risk? So people are asking, well, are you guys
going to go to that? Of course we are because
what we follow under Fanny May. Okay, so, but you'll
have to get an approved eligible Now Fanny May, when
desktop is running, you get.

Speaker 2 (22:55):
An approved eligible.

Speaker 1 (22:56):
That means that it met the requirements of Fanny May's
Desktop underwriting and it has a list of things that
are required. As long as your customer can re obtain
those items, then you will be fine for the approval.
After the recommendation is giving. Now the benefits of DU,
it's efficient, So if you enter everything in your application correctly,

(23:19):
then DU will most definitely be ran efficiently and be
able to give you an approval. Or it gives you
an approval, it may be called ineligible. But if it's ineligible,
you know you may or may not be able to
get a manual underwriting.

Speaker 2 (23:36):
Now.

Speaker 1 (23:36):
Cadence Bank is one of the few lenders available who
still do manual underwriting. So that we would be able
to give you an opportunity there.

Speaker 2 (23:46):
Now.

Speaker 1 (23:46):
I looked at this and I said, okay, so we
remove the credit score requirement, we get a du okay.

Speaker 2 (23:52):
But what about the PMI companies.

Speaker 1 (23:54):
Absolutely, so they have not spoken on this ship, or
if they have, they have released anything yet. Because PMI
companies ensure the mortgage against the faults and they are
on a conventional loan. If it is a Fanny May
conventional loan and not a portfolio product that's normally a

(24:15):
bank product, then they are on the loan to the
loan to value gets down below what eighty percent, So
if you're I start thinking in my mind, who is
this going to benefit?

Speaker 2 (24:26):
You know, who's this gonna benefit? Right now?

Speaker 1 (24:29):
If you have twenty percent to put down and your
credit score may not be there, you may be a
great opportunity for you. I also looked at refinances. Now,
refinances are like back popular because it seems to be
people have gotten in some type of credit card debt
or whatever installment loan debt, or they just need cash

(24:51):
out of the house, the equity from the house, because
equity has grown considerably for over the last five years.
So if your credit score is not six twenty and
that and you know that your loan to value on
your property is there and it's below eighty percent, you
may be a really good candidate for the no score
that fan in May just released out job stability. You

(25:13):
got a great job, You've been on this job multiple years,
greater than three. You have assets, people have money saved up,
But you may not have the score. We don't know
exactly what it's going to look like when we run
du yet because we can't do it until Monday. I
think Monday's sixteenth will run it on Monday on some
customers and kind of see.

Speaker 2 (25:34):
But it is a good opportunity if you are a.

Speaker 1 (25:39):
Borrower of borrowers who have strong employment history, strong debt
to income ratio, strong loan to value, You've got a
lot of equity in your home, strong assets. This may
be a good product for you a lot of times.
When you under that six twenty, you have.

Speaker 2 (25:58):
To go faha. That's where I was thinking, right, yeah,
you have to go faha.

Speaker 1 (26:02):
So now if you're under and you have twenty percent
to put down, now you're unconventional and you don't have PMI,
which would give you a little bit more buying power.
You see what I'm saying. Because with faha, you're going
to have m I financing to the loan amount and
a monthly premium of the am I even when you
put twenty percent down. So I think this is a

(26:24):
good move for consumers. We just don't know what PMI
companies are going to do yet.

Speaker 5 (26:31):
Because we know the lower the score, the higher the
monthly mortgage insurance is going to.

Speaker 2 (26:38):
Be correct correct, and the lower the score, the risk
increase interest rates. So rude, ye, and so in Layman's term,
when you're saying the initials PI, it means.

Speaker 1 (26:50):
What private mortgage insurance.

Speaker 2 (26:52):
Okay.

Speaker 1 (26:53):
It is used to ensure the mortgage against the fault.
So they insured lenders that if you loan, just say,
I'm loaning sheield of this money, right, and I'm gonna
ensure she's gonna pay it because I'm gonna put a
premium on her insurance, I mean on the loan amount.
It stays there to loan the value becomes eighty percent

(27:14):
or lower on conventional loans.

Speaker 2 (27:17):
Faha. It is there for the what life alone, the
life of the loan, ok So, yes, so that's what
it is. So that's a little.

Speaker 1 (27:25):
Tip about the Fanny May removal of the credit score.
We will know what it's going to really really look
like on Monday, which I'm sure the sixteenth is Sunday though,
so Monday it'll be. It'll be Monday before it kicks
the yes, before you can actually run them and see.

Speaker 2 (27:44):
I'm hopeful because I do see.

Speaker 1 (27:46):
People who have gone in FAHA loan to value below
eighty percent, credit score below six point twenty and get
an approval FHA because why they had loan of value
was low, their debt to income was low, assets were
their strong employment history. For some reason, they just didn't
have a strong credit score. So I think we'll see

(28:09):
a lot of these. We will see and we will see,
we will see what happens with them. Okay, So that's
one of the things I wanted to talk about. Okay,
all right, so we'll talk about our mortgage products, and
then we'll come back to the fifty year mortgage.

Speaker 2 (28:20):
Howe we do that last year? Okay, Yeah, let's do
that last fifty years. Let's do that one.

Speaker 1 (28:25):
Last Yeah, the fifty year. We'll come back to that last.
So one of the products I know that we use
most in this area, not just this area, in this
in this whole region basically is our right at Home product.
So if you're out there and you earn seventy two

(28:47):
thousand dollars a year or less, this could be a
great vehicle to put you into a home. And Sheila,
if you will share some of the tips with the
right at Home, that'll be r Yeah, okay.

Speaker 5 (29:01):
So I'll write at home product is phenomenal. I feel
personally there's no other lenit out there that can be
Caden's bank with this product. With this product, it's one
hundred percent financing, so no money down is required.

Speaker 2 (29:17):
Oh wow, there you go, right there? No down payment
really no down payment.

Speaker 5 (29:23):
No down payment, and no mortgage insurance in the monthly payment,
which is what Ruth just got through talking.

Speaker 1 (29:30):
About exact, no private mortgage insurance.

Speaker 5 (29:33):
Okay, so that's two things right there. No down payment
and no PMI in the monthly payment. The interest rate
is phenomenal on this product. You have to have a
middle score of at least six forty middle score okay,

(29:55):
if your scores between six point forty and six seventy nine,
we can go up to a forty three percent debt ratio.
If your credit score is six eighty or higher, we
can go up to a forty five percent debt ratio.
You want to say something rute, No, not yet, Okay.

Speaker 1 (30:17):
I've left listening. I'm listening. I'm listening. I'm listening. No, okay,
So the debt ratio, we're talking about how much debt
versus your income.

Speaker 2 (30:25):
That's right. Okay.

Speaker 5 (30:26):
With this product, you can buy your home in five
different counties, Shelby County, DeSoto County, Tate County, Fed County,
in Tipton County. Say those again, Shelby County, de Soto County,
Fed County, Tipton County, and Tate County. Five different counties.

(30:50):
So we're looking at Tennessee in Mississippi.

Speaker 2 (30:53):
Okay, right, gotcha?

Speaker 1 (30:57):
Now, and those five counties is where you're going to
receive the reduced rate.

Speaker 2 (31:03):
That's right.

Speaker 1 (31:04):
However, if it is any other place outside of that
county and it's in our assessment areas where we have branches,
and that's going to be in not only Tennessee, it'll
be some Arkansas, Mississippi. Well, we said in Mississippi, but
like any other county in Mississippi where we have branches, Louisiana, Alabama.

Speaker 2 (31:28):
Georgia, Florida.

Speaker 1 (31:32):
In those areas as well with one hundred percent no
pm I okay. In Louisiana, you can also get the
reduced rate like in the Bad and Rouge area in Texas.
There are some areas in Texas with the reduced rate
as well.

Speaker 2 (31:50):
One Texas.

Speaker 1 (31:51):
Oh yeah, yeah, so we we're I want to say
we're about to be nationwide. But yes, so those will
be that's a product.

Speaker 2 (32:01):
Tell them about the income.

Speaker 5 (32:03):
So the income seventy two thousand, four hundred dollars or less.
Now we also have that's Right at Home, and we
have a Right at Home Emerging community product.

Speaker 2 (32:15):
Hold up before you go into that one. Okay, okay.

Speaker 1 (32:17):
So with the Right at Home, if you earn seventy
two thousand dollars or less, you can purchase a house
anywhere in those five counties. That's right, one hundred percent okay.
If your house census track is low to moderate, yes,

(32:40):
the income limit is waived, that's right, okay. And I
have seen If your income limit is waived and the
property is in a load to moderate census track and
your credit score is sixt eighty or higher, your loan
amount can go up to eighth six five hundred, and

(33:02):
I see them all the time.

Speaker 2 (33:04):
At that amount, we're talking about one hundred.

Speaker 1 (33:06):
Percent financing, no PMI, no income requirement, if the property
is in a load to moderate census track.

Speaker 2 (33:15):
Repeat that.

Speaker 5 (33:16):
I don't think they hurt you.

Speaker 1 (33:18):
If your credit score is six point eighty or higher
and the property you are purchasing is in a low
to moderate census track, your loan amount can be eight
oh six five hundred, Okay, no pm I, no down payment.

(33:40):
There are plenty of properties in Shelby County. I've seen them.
We have a tracking system where I'm able to pull
properties that are currently listed in the Memphis MSA and
it'll show that those properties are there. Great opportunity, just listen.
Load to moderate six' eighty credit score or higher, your

(34:04):
loan them out can go to aight to oh six
five hundred. That is one of the only products unless
you're in a certain profession at one hundred percent financing
that would allow us to go one hundred percent financing.

Speaker 5 (34:18):
Phenomenal.

Speaker 1 (34:19):
Absolutely absolutely. Now a few other requirements. So one of
them is that you have to take the home Buyer
Education class and that is.

Speaker 5 (34:30):
An online course, so we can send you the link.
You will go online and complete that course. Once you
complete that course, you will receive a certificate and we
have to have a copy of that certificate to show
that you have completed the course. Or you can go
to United Housing. Yes, United Housing, and they have an

(34:51):
in person or online. But I love the in person
because we just have a great job, so I love
Miss Priscilla.

Speaker 2 (34:58):
Yes, and you can go in and do that, and
that is an eight hour course.

Speaker 3 (35:02):
But it.

Speaker 2 (35:04):
Face to face to me just does a lot.

Speaker 5 (35:07):
I would rather do face to face than online because
you could always ask the questions if you don't understand.
So I would definitely recommend face to face with U
nine in Housing.

Speaker 2 (35:18):
Miss Priscilla read absolutely absolutely, So that's pretty much it.
It's a simple product. You cannot go wrong with this.
You cannot.

Speaker 5 (35:30):
The only other thing I just thought about. You cannot
own any other real estate.

Speaker 1 (35:35):
Correct, Correct, you cannot own any other real estate. Sometimes
people inherited a property. So but you have not lived
in that property as your primary residence in the last
three years, yes, or currently live there. Now you're able
to use the program as well. We are also able

(35:56):
to partner with the down payment assistance programs.

Speaker 2 (35:59):
Now Listen.

Speaker 1 (36:01):
City of Memphis and Shelby County only are you able
to partner with the right at Home product? Okay, all right,
so go ahead with our emerging communities.

Speaker 5 (36:15):
Okay, with the emerging communities, we're still looking at the
same credit score. What's different with that one? We are
now at a income limit up to one hundred and
eighty one thousand dollars. So if your income long as
it does not exceed one hundred and eighty one thousand,

(36:35):
you can utilize this product. Now, the property has got
to be in the Census Track area to qualify for
that product.

Speaker 1 (36:45):
Yes, the majority minority is Census Track. Yes, is one
is where it has to be greater than fifty percent.
I'm doing a loan now, they're in Berry Hill. It
is fifty point two three. They are eligible for what
one hundred percent financing, no PMI, no down payment, credit

(37:09):
score six point eighty. If the seller won't help you
with your closing cost income one hundred and eighty one thousand,
so you don't have help, so you got what your
own money, or you can use Shelby County DPA. It
is a loan of six thousand dollars that is paid
back over a fifteen year period of time, and that

(37:30):
payment to them is forty one dollars. You pay that
off any time, but it's still a great time to
own a home. And this is a thirty year fixed rate.

Speaker 5 (37:42):
One thing I also want to say, because I get
this question, Can I pull money from my four oh
one K to pay my closing costs? Absolutely?

Speaker 2 (37:50):
You can.

Speaker 5 (37:51):
You can pull money from your four to one K.
We just have to have the documentation to support business
where the money comes from.

Speaker 2 (37:58):
Correct. Correct.

Speaker 1 (37:59):
You need to also check with the four o one
K provider to make sure you.

Speaker 2 (38:02):
Can make sure money.

Speaker 1 (38:03):
You can pull money up for the purpose of a
purchasing at primary residence. And most of them do offer that.
I didn't say all. I've said most of them do,
because I have seen some that did not offer that.

Speaker 2 (38:16):
Yes, so that is a good thing. And most of
the time.

Speaker 1 (38:19):
You know what, right now, I'm seeing, Sheila, that the
sellers are willing to participate.

Speaker 5 (38:24):
You know, I've been seeing that a lot lately. I'm
tilling my seller's paying really all of their closing costs. Absolutely, yes,
So guess what if the seller is paying all of
their closing costs, you are only required to invest five
hundred dollars into this product.

Speaker 2 (38:39):
Did they hear me? Hello?

Speaker 5 (38:42):
Hello, So if the seller is paying all of your
closing costs, you are only required to invest five hundred
dollars into this product. Phenomenal.

Speaker 2 (38:54):
Absolutely.

Speaker 1 (38:55):
And then I was thinking as you were talking about it,
there are a lot of bills with new construction subdivisions
going up. They may either be in a majority minority track, yes, okay,
or the buyer could be income seventy two thousand, four

(39:17):
hundred or less.

Speaker 2 (39:19):
That's right, okay, So it could be either way.

Speaker 1 (39:22):
And so if you are you fit those two categories,
you found a house, you know it's in a majority
minority track, this could be your vehicle to home ownership
if your credit score. You still have to qualify period
for all of the loan products that we offer, so
you'll still have to qualify. But that would be a
great thing. I you know, and they're you know, I

(39:42):
just did a home we offer it with, and I'll
just throw out a couple builders that we do, Skylake,
Adams Home, Meridian Homes, and some of these homes are
four and five hundred thousand dollars, but they are eligible
for those programs. And then they're still kicking in what
the ten thousand. My last deal was with Meridian and

(40:03):
they did ten thousand dollars for the buyer's closing costs.
So my buyer really, really, really really went in with
five hundred dollars out of her pocketa on a four
hundred and eighty five thousand dollars house. So that's you,
go ahead, No, I'm sorry. If that's you, and you
know it's you, don't get get off the fence.

Speaker 5 (40:23):
I totally agree. I know in that three eight one
two five zip code over their off of Homes Road. Huh,
there are some beautiful homes new construction that's up that
qualifies for that product.

Speaker 1 (40:37):
Absolutely, absolutely, absolutely, even into some of the South Wind
area Longa since price is not over eight oh six
five hundred, that would be eligible for one hundred percent
financing because that is a majority minority track. Yes, there
are tracks in Caryoville. I've done several loans there in

(40:59):
the car of An area. There are tracks in German
Town where the census track is greater than fifty percent
majority minority. So they're all over our city, They're all town, Yeah,
all over down Awn.

Speaker 2 (41:16):
Yes, there's a lot what.

Speaker 5 (41:18):
I don't want people to do is just think when
we say minority census track, please understand this.

Speaker 2 (41:27):
It's not bad areas. Correct. There are some.

Speaker 5 (41:30):
Beautiful homes in the minority censor track. I live in
a minority sense, so do I absolutely so do I.
So don't base it on.

Speaker 1 (41:39):
And then sometimes even when they say minority track, they
go to one frame us rhyme.

Speaker 2 (41:44):
Yes, a black track, Yes, a race track. No, it's
not any of that.

Speaker 1 (41:49):
It is based on the people and the censors who
have reported their race, and it could be a bunch
of different nationalities that live there, and that's why the
track is greater. So yes, it's a great product us
to offer. Again, it's not only the Memphis MSA. You
can get this in any part of our assessment area,

(42:12):
in any state that Cadence has a branch a bank
branch location.

Speaker 2 (42:18):
All right, sounds good. We're gonna break and we'll come
back and we will get those other products that Cadence
Bank offers. If you have a question or two, you
can call nine zero one five three five nine three
four two or eight hundred five zero three nine three

(42:39):
four two eight three three five three five nine three
four two will get you into us or email me. Yeah.
BEB Johnson your question BEB Johnson at iHeartMedia dot com.
BEB Johnson at iHeartMedia dot com. You're listening to the

(43:00):
BEB Johnson Show on do w D I A.

Speaker 3 (43:16):
Got something to say? Say it next with Tennessee Radio
Hall of Famer BEV Johnson on w d I am telling.

Speaker 2 (43:38):
You just keep their around appearing being show. We are
talking with the ladies from the Cadence Bank, Ruth Phillips

(43:59):
and Sheila. They are telling us about the productsy'll that
is offered at Cadence Bank. All right, Ruth continue.

Speaker 1 (44:08):
Okay, So Bev, We've talked about our magnificent one hundred
percent finance and we offer two One income limit is
seventy two thousand, four hundred nine. I was seeing seventy
two thousand, but it is four hundred seventy two thousand,
four hundred or the other product it's emerging communities. The
income cap is one hundred and eighty one thousand. Both

(44:30):
of these products are one hundred percent financing, no private
mortgage insurance. They are a thirty year fixed rate. The
rate in the Memphis MSA, which are the five counties
which are.

Speaker 5 (44:43):
Shelby County, DeSoto County, Tate County, Tipton County, in Fayette County.

Speaker 1 (44:49):
You receive a reduced interest rate.

Speaker 2 (44:51):
There.

Speaker 1 (44:52):
Minimum into the transaction is five hundred dollars. Most of
the time that's your earnest money. The seller can pay
your closing and if you need assistance outside of that,
there are two programs that you can partner with, City
of Memphis or Shelby County DPA. Now with City of Memphis,

(45:12):
some of their funds are already out, of course they
run out, but there are still some funds left in
some different programs. So please call us if you think
you may be eligible for this program. And if you're
not eligible today, let us put you on the path
to homeownership. Let us work with you with your score,

(45:35):
with your credit, with Operation Hope. We can sit down
and go over your debt to income ratio to put
you onto the path of homeownership. Sheila made a post
today on her social media that it is not too
late to be home for Christmas. You can be in
your own house at Christmas. It is not too late

(45:55):
to get there. I'm risky, I'll say it's probably not
too late to.

Speaker 2 (46:00):
Be home for Thanksgiving. You may be moving in on
Thanksgiving morning, but it's not too late. So don't get
tied up with other people's opinion of homeownerships.

Speaker 1 (46:11):
Stick with your own dreams and goals. We will soon
be started seeing vision boards. Put it on your vision board.
Write the vision. Put on your vision board. Make it plain,
and though it may terry, you gotta wait on it.
It's gonna come to pass. If God made a promise
you that it was gonna come to pass, Okay, So
I'm gonna get off that before I get down the

(46:32):
road too far.

Speaker 2 (46:33):
I'm sorry. The other thing, the other products that we
offer our traditional products FAHA, the down payments three and
a half whatever DU approves.

Speaker 1 (46:42):
And we have had credit scores as low. I've had
one as low as five sixty nine get approved, but
of course they had their own down payment, they had
money for reserves, had great job stability. So that's an
option there. The rate on FAHA is market rate. We
have VA loans. If you are a veteran or a
spouse to a deceased veteran, you could be eligible for

(47:04):
that program. If you have ability to get your certificate
of eligibility, you may have eligibility, that's one hundred percent too.
If it does have a funding fee sometimes, but if
you're receiving some type of benefit, you may not have
a funding fee, but it's only financing to the loan
amount and not included in your monthly payment. For veterans,

(47:26):
sometimes VA will waive the funding fee and so it
just depends. Pull your d D to fourteen and give
us a call so we can see where you are
and if you'll be an eligible candidate for a VA loan.
And it's perfect to talk about it because yesterday was
Veterans Day and we you know, we really appreciate the

(47:48):
service that you provided to this country or currently providing
to this country. You know, there's nothing like the Land
of the Free because of brave men and women like
your soul. Also, we offer other portfolio products, like we
have physician loans. If you are a physician, a doctor,

(48:10):
I can't remember, a dentist, homopathic physician, those are some
l those are just a few of them. A surgeon,
into dauntists, all of those, those may be some opportunities
for you to do one hundred percent financing. If you
are a residence, you are perfect for this program. We
don't include your student loans in qualifying you. Some people

(48:33):
have them, some people don't when they're coming out of it.
And we also have a magnificent one time construction loan.
If you are interested in building, please tune in and
grant our numbers so we can direct you to our
building expert who can assist you with the one time
construction loan. Whether you own your own land or you're

(48:55):
looking to buy the land with the plan all at
the same time. And since I'm talking about construction right now,
by the land with the plan.

Speaker 2 (49:05):
Oh I'm rhyming now.

Speaker 1 (49:10):
Yes, if you are looking to you know you don't
own the land, but you want to buy the land
and build all together at the same time, I'm going
to provide you. I like to be the expert in
my field, and this person is the expert when it
comes to construction loans.

Speaker 2 (49:28):
Period.

Speaker 1 (49:29):
She is the expert. She does a fantastic job and
holding your hand and walking you through building where you
hold the construction loan through it. But if it's a
subdivision where the builder is building and that you don't
own the land, then yes, you can use some of
our other products. This construction loan. You want to reach

(49:50):
out to Kim Morris. She's in our Oakland branch. You
can reach Kim at nine zero one four six' five
seven four four to. Two, again her name Is Kimberly.
Morris kim has been in the industry a very long.
Time she's like, us she. Lives she's a thirty plus
person and you can Reach kim at nine zero one

(50:14):
four zero.

Speaker 2 (50:15):
Six seven four four.

Speaker 1 (50:17):
Two and that is if you're looking to build your own,
home we have a fantastic one time construction loan that
saves you in closing calls because you're gonna close one
time on. It we will disperse as you build, out
and then you'll have your permanent mortgage right there at
the very.

Speaker 2 (50:37):
End we also have.

Speaker 1 (50:40):
You, know some Good i'll tell you about a few
of our bank. Products one of them right now is
our home equity line of. Credit if people don't want
to disturb their first, mortgage but you're looking to maybe
to reach and tap into some of your, equity you
could get what's called a home equity line of. Credit
we also have of Checking cadence, Offers Checking, savings high

(51:04):
end savings. Account we have great money market. Products we
have a great investor loan if you're looking to buy
bulk properties through of, them we have some good ones.

Speaker 2 (51:16):
There i'll give you just a couple little.

Speaker 1 (51:18):
Points we do have a we have CDs eight, months
thirteen month. CDs you could get a yield as high
as four percent on our home equity line of. Credit
we have one that's called right At home, again and
it is basically no closing costs for you if your
property's in a load to moderate census. Track now EVERYTHING

(51:38):
i talked, about you have to qualify for.

Speaker 2 (51:40):
It you have to. Qualify And i'll always say if.

Speaker 1 (51:43):
You don't, Qualify, now one thing about us here At,
cadence we just don't.

Speaker 2 (51:48):
Throw you back out to the. Wolves we will put
you on the, path connect you to the right.

Speaker 1 (51:56):
People if it's, credit we connect you to, operation a
free service to put you on the path to build
your credit. Score if it's you, know, employment we talk
about employment. Too we talk about you being stable on your.
Job we'll walk you through and hold your hand every
step of the, way whether it's now or in the

(52:18):
future when you become a. Homeowner but these are a
few of the. Products people ask all the, time how
DO i know which. Product we don't know which product
you'll actually fit into till you actually. Apply you can
Reach sheila or myself pretty much six days a week
because we do the workshops On saturday as. Well and
Then walker, said we're available On saturday because that's today

(52:40):
you're out looking for a house as, Well So sundays
we do like the rest unless we've been made aware
that you are needing our, services and we'll make ourselves.
Available we partner With Unity, Housing we partner With city Of,
Memphis we partner With Shelby COUNTY, dpa and as well
As Tennessee Housing Development agency In Mississippi Home. Corporation we

(53:02):
do have another product here At cadence and it's called
Our Conventional. Max it's a ninety seven percent loan and
we will gift you up to ten thousand, dollars but
you have to qualify for every loan we talked about,
today every last one of. Them and NOW i, say
if it's not, now then we'll put you on the
path to. Win and sometimes bed we have to tell

(53:24):
the customers come out of these, stores, yeah and learn
the power of putting back when you don't really need
it so you can save because you have to have.
Money even though we got one hundred, percent you got
to have money to take the house off the. Market
you got to have earnest. Money, absolutely home inspection. Money you,
know you have raisal, fee an, appraisal termite. Inspection so

(53:47):
you got to have a little money out of your pocket, anyway.

Speaker 2 (53:50):
Just to start the. Process, yes, good, good, Good, yeah that's.
Good we have some good. Products.

Speaker 1 (53:58):
Bad these are PRODUCTS i recommend for my own. Family,
absolutely do, you, absolutely absolutely absolutely you know my my
family lives In. Texas when they got ready to buy their,
PROPERTIES i, said call this person In. Texas we offer
one hundred percent finance and you are.

Speaker 2 (54:16):
Eligible, okay so, yes, Yeah i'm gonna go to the
phone line and see listener has a. Question w D
i a high?

Speaker 6 (54:25):
Caller hey are you?

Speaker 2 (54:28):
Doing i'm doing, Fine? Larry how are? You you have
a question for the?

Speaker 6 (54:32):
Ladies, yes? Ma'am what? Look how come your phone is
all men? STUFF i MEAN i can't hear what's going
on or nothing on your phone. DAY i, know.

Speaker 2 (54:47):
Hopefully, larry it will get. Fixed hopefully it will get. Fixed.

Speaker 6 (54:52):
Hopefully, well, yes, Ma'am now what's the topic?

Speaker 3 (54:56):
Is?

Speaker 2 (54:56):
WAIT i Didn't, okay well they're talking about and what
they offer for you to become a. Homeowner you don't
have that problem because you're already a.

Speaker 6 (55:07):
Homeowner well, well WELL i CAN i can add to
something that that people might want to get, involved but
a desperate need before you become a. Homeowner the main
thing is to sit down if you have a, spouse

(55:31):
and make sure your spouse. Credit it's okay because you
wants to be equally yoke going into the talking with,
people especially if you are going to be both. Sharing
you know the bills and you definitely. Won't you want

(55:51):
both of your names on the. House so the first
thing to do people is to sit, down even if
it's your, girlfriend make sure that you're not wasting people,
time in your time going somewhere knowing that you all
messed up and ain't no money. Flowing that's a waste

(56:15):
to the person that you, loved that kind of stable
and you and you're taking her or him in. There he's,
ready but you're. Not all right The munich that's With.

Speaker 2 (56:29):
Larry, Okay, okay so, okay thank You. Larry i'm gonna
Ask sheila about. That all, Right, sheila you have to he,
said you have to communicate and make sure y'all both have.
Monicord got to be on one. Accord larry And larry
were not were not getting no homes enough for no

(56:50):
girlfriend and. Boys, no, no, no, no we didn't got to.
Right As ruth, said we're the big. Age, well we
don't do that because that's BECAUSE i don't think banks
will let you girlfriend and boyfriend trying they. Will any
two people can buy a.

Speaker 1 (57:07):
Home long does everybody, Qualifies but as attorney ursula and
uh moments all the, time when that relationship is not
solid right and people do, IT i just kind of look.
BIG I i just look big BECAUSE i DON'T i
can't say no because they qualify. Together but what happens

(57:29):
is when the relationship fall. Apart if it fall, apart
if we don't get, married, yeah, okay fall apart when you.
Married they fall apart from. Married and then now you
have a big asset that you're tied together. With neither
one w want you to give it, up but neither

(57:49):
one of y'all want to, live and it Becomes, yeah
but if it's boyfriend, girlfriend that's. Worse, yes because now
what court do you have to that don't say, oh the. Deed, no, no,
no you can get the divorce and your attorney can
walk you through with that that real, property how to
whatever you're gonna, do sell, it he gonna refinance. It
but then even THEN i have people come in just

(58:11):
Say sheila was my. Spouse she was supposed to refinance
and put the house in her own, name and she never. Did,
now WHEN i pull my, CREDIT i won't be able
to buy a house because why that house is still on.
It that's, right and even though it was awarded to
her in the, divorce it does not override that original
mortgage that was out.

Speaker 2 (58:31):
There so, yeah BECAUSE i didn't, KNOW i didn't know
a girlfriend and friend.

Speaker 1 (58:39):
Goodbye oh absolutely what yeah we have mother? Daughter yeah you,
so so anybody can if you, qualify, yes, Ma'am, yes, ma'am, yes,
ma'am and.

Speaker 2 (58:50):
You can do our ENTREPRENEUR i don't know if that came.
Up okay that, yes. Ma'am you. Can you don't have
to be.

Speaker 1 (59:00):
Married and you, know we just celebrated AND i saw
it on social media that women have just been able
to buy homes in their own. Name what over the
last fifty? YEARS i think it, said uh, Huh so,
yes well you.

Speaker 2 (59:15):
Can you don't have to be. Married you have Educated.
NOW i knew that a single person could buy a, home, yes,
ma'am married, people BUT i didn't know girlfriend and boyfriend
could buy a home To, yes, yes, ma'am, yes, ma'am
as long as they as long as you, qualify you
can do. That that's dangerous to, Me it is very.

Speaker 1 (59:35):
Dangerous and you, Know Attorney arsla will tell you that
they've had cases where people come back and, LIKE i
want my name off of the and they'd be, LIKE i,
WANT i want ten thousand dollars from, YOU i want
whatever for you FOR i take my name off of.
It and then that person must qualify to take their

(59:56):
name off of. IT i had a situation where they, Divorced,
yeah and he wanted his name off the. House and
a lot of times people don't pursue.

Speaker 2 (01:00:07):
It it's.

Speaker 1 (01:00:08):
Awarded in my, DIVORCE i just keep on going BECAUSE
i think she looked gonna take, it she gonna take
her a, business get it.

Speaker 2 (01:00:13):
Off, well this gentleman.

Speaker 1 (01:00:15):
Pursued it and took them back to, court and eventually
she just had to pay it off because she wasn't
in a position to qualify because you know what you're
going in with two, incomes and so that debt is
based on two. Incomes and then when you take that
dead off and you only got one, income.

Speaker 2 (01:00:33):
It's a lot to. Consider like you, said even when you're, married,
right because good marriages fall apart and you're, right so
you just kind of have To, well thank You larry for. That,
yeah NOW i do like what.

Speaker 1 (01:00:46):
He, said sitting down talking and be. Prepared let everybody
be on one accord and you can get. Consultations you
can get that they're free from.

Speaker 2 (01:00:54):
Us you can come in a lot of times people
don't want to come into the. Bank we'll come into the.
Bank sit, down talk to your loan, officer build a. Relationship,
yes and then when we put you on the path
or the journey what you need to, do then you
need to stick to it so we can get you
out of, there out of renting and get you into
owning a. Home sounds good as we wrap up this last.

(01:01:16):
Email this is a good way to wrap. Up And
cedric wanted to know what are the contact numbers of your? Guests,
ah thank, You.

Speaker 1 (01:01:24):
Cedric, okay so before we do, that the fifty is out.
THERE i just look at the. Fifty you, know we
tried for forty one time and it didn't it didn't go,
over So i'm not sure fifty will be like. Anything
it would allow you to buy, more and right now
prices of houses are, higher and SO i can see
the fifty being. Beneficial but you, know of, course with

(01:01:47):
the longer, term the rate will be, higher the interest
that you pay back to the bank will be, more
but you will be able to qualify for. More so,
again it's no different like when they probably went from
fifteen to. Thirty people thirty, years but now thirty is the.
Norm it's the same thing with owning a. Car like
somebody just told me the other day you can finance
a car for seven. YEARS i wouldn't have never dreamed.

(01:02:09):
That my first car was three, years and then now
you're up to. Seven SO i just think that as
the prices, increase the term.

Speaker 2 (01:02:16):
Is gonna have to.

Speaker 1 (01:02:17):
Increase so but if they GIVE i, MEAN i thought
the forty would have really went, well but people didn't
jump on it because why the rate was so. Much,
okay but now we'll see what, Happens so just stay, tuned.
Everybody those also some things in the news is about student.
Loans get on, that get out your, paperwork get. Yourself
student loans. Forgiven but you gotta do the.

Speaker 2 (01:02:39):
Work.

Speaker 1 (01:02:39):
Okay so we're gonna give our contact information real. Quick
i'm gonna let you.

Speaker 5 (01:02:44):
Go, Okay, So Sheila, middleton my cell number is nine
zero one four zero nine two zero three. Five again
it's nine zero one four zero nine two zero three three.

Speaker 2 (01:03:00):
Five all.

Speaker 1 (01:03:01):
Right my cell number this Is Ruth. Phillips you can
reach me at nine zero one six four to three
one one two. One again it's nine zero one six
four to three one one two. One and my physical
location is at seventy eight Hundred Cadence bank at seventy
eight Hundred Winchester. Road we are directly next door To

(01:03:25):
Olive garden.

Speaker 4 (01:03:27):
In.

Speaker 1 (01:03:28):
Centennial we're in that building right there behind those. Trees
and she'll tell them where you're. LOCATED i am located.

Speaker 5 (01:03:35):
At sixty three sixty Three Poplar, Avenue suite one two,
five AND i am directly across the street From International.

Speaker 2 (01:03:43):
Papers, okay, no it is absolutely. Ladies you did good work.
Today thank, you thank, you thank, you thank, you so
so good to have you and want to say Happy
thanksgiving to.

Speaker 5 (01:03:55):
You, oh, yes Happy.

Speaker 2 (01:03:56):
Thanksgiving Happy. Thanksgiving.

Speaker 1 (01:03:58):
YEAH i just pray for those those who, yeah, yeah less,
fortune less fortune than what we, are and hopefully they
all have a Happy thanksgiving absolutely at least a meal to,
eat a warm place to. STAY i know winter has
caught us all by surprise BECAUSE i was, SURPRISED i,
said had my. Plans i'll side, okay BECAUSE i wasn't
ready for it to really hit that. Low AND i

(01:04:20):
don't know if we were ready as far as a
city for it to hit that. Low but, yeah let's
try to stay warm and then help out people when
we can because we're. Blessed sounds, goodes Ma'am.

Speaker 2 (01:04:30):
Ruth phillips And Sheila middleton Of Cadence. Bank thank you.
All thank. You as we get ready to go to
the other side of The Bev Johnson, show we will
talk to Our cairo practor Doctor Bobby myers next right
here On double d I.

Speaker 7 (01:04:49):
A whether you're In, Arkansas, tennessee Or, mississippi On, Facebook,
twitter Or, instagram thank you for listening to The Bev
Johnson show On double d I A, Memphis The Bed
essential

Speaker 3 (01:05:22):
In