Home Loans Radio 01.06.2025 with That Mortgage Guy Don- WELCOME 2025- Rates improve, Inventory is up, It is time to stop renting and buy

The Home Loans Radio 01.06.2025 with That Mortgage Guy Don- WELCOME 2025- Rates improve, Inventory is up, It is time to stop renting and buy.

Episode Transcript

Speaker 1 (00:00):
It's time for Home Loans Radio on Real Radio with
that mortgage guy Don. Join the conversation text us at
seven seven zero three one. Now here's that mortgage guy Don.

Speaker 2 (00:13):
Hey hey hey, hey, hey hey hey, good morning and
welcome to the Home Loans Radio Show with that mortgage
guy Don. That's me. That's right. We're here. We're doing
what we do every single Saturday morning, right here on
Real Radio one oh four point one. I'm here with
my crew, the infamous and the famous. MJ. Good morning, MJ.

Speaker 3 (00:33):
Good morning to you. Twenty twenty five.

Speaker 2 (00:36):
That's right, Happy morning, twenty twenty five. Good morning to you.
Mister Fritz.

Speaker 3 (00:42):
So ya start owing.

Speaker 4 (00:43):
It didn't say twenty twenty five. You are looking sexy
as hell. I am so happy.

Speaker 5 (00:54):
Go on, I'm just very very happy. Twenty twenty five rules,
I love you now?

Speaker 2 (01:00):
Is that only because twenty twenty four was rot or anything?

Speaker 3 (01:05):
She gone, We ain't got to spart her.

Speaker 2 (01:07):
No, yeah, just go she gone yeaht and go take
your signs off the wall and go.

Speaker 5 (01:21):
Wow the bag of chips kick my feet back right
a right.

Speaker 3 (01:28):
Sometimes the blessings that you get are not the ones
you anticipate. But then there they are. You can revel
in them and enjoy.

Speaker 5 (01:34):
Themday party on a Saturday, exactly.

Speaker 3 (01:38):
Like a birthday party.

Speaker 5 (01:39):
You can go there and get drunk home, that's right, right.

Speaker 3 (01:43):
Get home before the sun goes down.

Speaker 2 (01:46):
I planned to find a room to sleep in by
five pm.

Speaker 4 (01:49):
I got she in the morning, be curled up on
her drop set. You wake up at seven five and
you're like, is it the morning? And then you're like no,
You like, look out the window. Too many people walking around.
It's night.

Speaker 2 (02:06):
Get out of here. I'm like, ah, did I sleep
on Darcy's side again?

Speaker 3 (02:13):
Hates that.

Speaker 4 (02:15):
I have a down in my bed. You gotta wake
him up, make him some coffee.

Speaker 3 (02:20):
This stunt mortgage guy out my bed.

Speaker 2 (02:24):
Nope, I'll just wait till tomorrow. Like usual.

Speaker 3 (02:27):
We're cutting that because it is the birthday season of
the Fritzman.

Speaker 5 (02:31):
Yeah yeah, yeah, yeah yeah ye.

Speaker 2 (02:32):
Laboratory Mode gonna be celebrating.

Speaker 3 (02:35):
The We love the Fritzman. Four decades, the board of
Our Lord and Savior, the birth of Our Lord and Saviors.

Speaker 5 (02:42):
It has it been that long?

Speaker 2 (02:43):
Yes, happy twenty twenty five. Yes, we are live, We're here,
We're doing it. We did a live show Christmas week.
We did a live show New Year's Week, and here
we are again, first of the year, not first of
the year. What is it fourth of the year? January
fourth today?

Speaker 3 (03:00):
Yeah, but first Saturday.

Speaker 2 (03:02):
First Saturday. Happy twenty twenty five, Happy twenty twenty five
to all of our listeners out there, Thanks for tuning in.
You can text the show anytime today. Seven what's the number? MJ?

Speaker 3 (03:14):
Seven seven seven seven zero three one, wreckage guy.

Speaker 2 (03:17):
I wake up shouting that in my sleep sometimes, but
I can't remember it when I need to sometimes seven
seven zero three one. You can text the show. What
what do I text about? Well? MJ tell them some
things they can tell Oh.

Speaker 3 (03:29):
I'd love to know about New Year's Eve? Yeah? That
And wasn't it so weird to have all these holidays
on Wednesdays?

Speaker 2 (03:36):
That was Oh my gosh.

Speaker 3 (03:37):
I kept that can just made my whole brain just
explode all week. It's like, what day is it? Anyway?

Speaker 2 (03:43):
I have not known which day it is since like
four days before Christmas. It's felt like a Sunday or
Monday or Friday. Yeah, and then you know, on top
of that, but my my recycle people, my pickup day
was Wednesday. Well, that's Christmas, that's New Year's too. During
the holidays, you might build up a little recycling. Oh okay,

(04:04):
you know, I hope they come back soon, all right,
maybe next one.

Speaker 3 (04:07):
Sure they will. And we also talk about mortgages.

Speaker 2 (04:11):
Mortgages, I know, I love talking about mortgages.

Speaker 3 (04:14):
Is excellent, so weird, so random, that's.

Speaker 2 (04:19):
Right, mortgages, commercial loans, real estate, buying a home, selling
a home, uh, listing a home and sharing a home,
refinancing a home, getting a heelock on your home. Mortgage,
we can talk about that too, because that's right. I'm
a mortgage expert, that mortgage guy. Don You can text
into the show live seven seven zero three one, or
just tell us what you're doing out there on this

(04:39):
fine first Saturday of the year. What have you got slated?

Speaker 5 (04:43):
It's cold outside, so very cold, Don, I got something?

Speaker 4 (04:45):
Isn't it weird that salary uh its root is derived
from salt because they used to pay Roman soldiers with salt.

Speaker 3 (04:53):
Yeah, and then people still get paid with salt.

Speaker 5 (04:55):
And then mortgage means like until you're dead, right right.

Speaker 2 (05:00):
Right till you're dead. But we've shortened it in the
modern time years, which doesn't need to be till you're dead,
but it could it could be what we have.

Speaker 4 (05:13):
How are you know we can we can work with
you if you want to. You know, if you want
that really really long mortgage, why not.

Speaker 3 (05:19):
As we know we've answered this question, even if you're
eighty years old, you can still get a thirty year mortgage.

Speaker 5 (05:24):
That's right, you can.

Speaker 3 (05:25):
That is my entire plan aspirational.

Speaker 2 (05:27):
Yeah, yep, that's that. And when I when I turn eighty,
I may I may start smoking. I've heard it's fun. Yeah,
but I don't know. I haven't decided yet. I got
a waste. I got a waste to go. I want
to buy.

Speaker 4 (05:39):
Those like lettuce cigarettes that that you see people smoking
in the movies. So I'm just like a chain smoker,
but like I'm not addicted.

Speaker 3 (05:47):
Oh they're not real, Yeah they're not right, get it right.

Speaker 2 (05:49):
Yeah, they're made of lettuce.

Speaker 4 (05:51):
Yeah, it's like dried lettuce, and they smell and taste
awful and like, yeah, actors hate using them, but it's
better than smoking cigarettes.

Speaker 2 (06:00):
You can always see when you watch watch an actor
smoking whether they actually have smoked before.

Speaker 5 (06:04):
Man, Paul was the best. Paul Rudd was the best.

Speaker 3 (06:10):
You mean the best or the worst.

Speaker 4 (06:12):
I mean, he made he he looked like he thoroughly
enjoyed every puff on camera, and you know, because he
recently quit smoking, okay, but man, he he was always
he would do that like French in French exhale thing
and you're like, geez, man, it.

Speaker 3 (06:28):
Almost seems like they're gonna grab it in the air again. Yeah,
it's like there's like, oh my good it.

Speaker 5 (06:33):
Yeah, that's when you really like smoking.

Speaker 2 (06:35):
I guess you know who's a really good on camera
smoker that Billy Bob. Oh, yeah, Billy Bob, because I
think that's I think that's.

Speaker 4 (06:44):
And you know what, Ray Liotta was actually allowed to
smoke real cigarettes during Goodfellows because he loved smoking, and uh,
Score says he was like, all right, that's fine, no
one else smokes.

Speaker 2 (06:55):
So I just watched it last night.

Speaker 3 (06:57):
Yeah, and I did a refresh on it recently, my off.
And you know, they also needed him to change smoke
to look like that, right, because he looks so wired.

Speaker 5 (07:04):
And you know what a great movie.

Speaker 3 (07:06):
You know, frantic that it is a great movie.

Speaker 2 (07:10):
I still get nervous every time there's a chopper following
my car around all day.

Speaker 5 (07:14):
Harry Nielsen starts playing.

Speaker 3 (07:18):
Trouble is a. Yeah. Just the other day hooked run
down an alley when someone was offering me freak clothes.
I was like, no, no, this is smelli'es. I'm bat.
Some bat's happening. I'm getting in my car. I'm leaving, leaving.

Speaker 2 (07:33):
That's a good fellow leaving.

Speaker 5 (07:34):
He started looking around for Robert de Niro. He's not
gonna whack me, is he?

Speaker 3 (07:37):
Yeah, and Robert going no, no, just turning. It's fine, that's fine.
Don't worry about the gangster standing there with bats.

Speaker 2 (07:44):
A little further right around the corner, we did.

Speaker 6 (07:48):
Talk about mortgages, talking about mortgages, Yeah, what's going on
in the world of mine?

Speaker 5 (08:00):
You know?

Speaker 3 (08:01):
And for good fellas, I'm sure it was hard for
them to qualify for mortgages mortgages because they didn't have
you know, verifiable income or stable jobs.

Speaker 5 (08:10):
Yeah, they had to put everything under a family member's name,
right that.

Speaker 3 (08:14):
That means his mom had to qualify for the house.

Speaker 2 (08:16):
Yeah, that's why it was so easy to disappear into
uh wits. Yeah, yeah, there you go. All right, we
got the golden Speaking of movies and cinema, we got
the Golden Globes coming up this this Sunday. I mean,
I've seen a lot of the TV shows, but not
a lot of the movies.

Speaker 3 (08:31):
I feel good. I feel like the movies were kind
of hard to see this time, Like they weren't a
lot of them were theatrical releases. They were only out
for a minute, and you you know who goes to
the movies anyway, And now it's here and we don't
have an opportunity to see them. I feel very remiss.
Usually I know a lot of the movies and I'm behind.

Speaker 2 (08:50):
Yeah, I looked up one yesterday is like where can
I stream this movie? It's a regal cinema ovido.

Speaker 3 (08:59):
Superosful. How do I tune in?

Speaker 4 (09:03):
It's actually not very far away at all. And then
I decided to just you know, lay around in the backyard.

Speaker 3 (09:09):
Right.

Speaker 5 (09:12):
So I'm catching up.

Speaker 4 (09:13):
And I know this came out like decades ago, but
the John Adams with Paul Jamadi. I recently found out
that that won four Golden Globes and thirteen Emmys and
that's the that's the most successful show ever to have
ever done that. Wow, well that's a good show. Yeah,
But I'm like, man, this is really good. Let me

(09:34):
look it up.

Speaker 5 (09:35):
I'm like, oh yeah, golden globes are right around the corner.

Speaker 3 (09:39):
A million years ago. I once watched slum Dog Millionaire
with a friend that didn't watch very many movies, and
my friend said, that's a really good movie. I'm like, yeah,
you can probably go pretty good with the Oscar Winner,
you know. Yeah, if you're just shooting darboards in a movie,
you know, Pyle, if you go with the Oscar Winner,
it's probably okay.

Speaker 5 (09:57):
Yeah, generally that was a good movie.

Speaker 2 (09:59):
Though. Well, guess what time it is?

Speaker 5 (10:03):
Time for the speed Round?

Speaker 4 (10:05):
Yeah, time flies in twenty twenty.

Speaker 3 (10:10):
We just got here.

Speaker 5 (10:14):
Sorry, that's all right.

Speaker 3 (10:19):
Sorry, the kids are cutting up today.

Speaker 2 (10:21):
People are texting and you're supposed to be talking about.

Speaker 3 (10:25):
Are texting it. Yeah, it's always ironic when they text it,
even when we're being ridiculous.

Speaker 2 (10:31):
I'm excited about the Golden glow I did. I took
a quick look at the list for all the ones
that were the best Trauma Series. Yeah, and I've seen
all but one and they were all pretty good. The
Best Drama Series nominees were The Diplomat, That's what What's name?
Terry Russell mister and Missus Smith.

Speaker 3 (10:51):
I liked that.

Speaker 2 (10:52):
That was a.

Speaker 5 (10:54):
And the one from Penn thirteen.

Speaker 2 (10:58):
Showgun. That's a period piece in Japan, you know, during
the Showgun era. That one was fantastic. Yes, slow Horses,
I saw that one. That's what Gary Oldman. That's a
fun one. If you haven't seen it, I think there's
like five seasons or six seasons you can you can

(11:19):
have a good time with that one is just incredible.

Speaker 3 (11:22):
He just always looks like he needs a bath.

Speaker 2 (11:25):
There's another guy who's a good on screen smoker.

Speaker 3 (11:27):
Oh yeah, oh yeah, he scares exactly. He looks like
he wakes up in the middle of the nine just
picks up the one that's halfway going next to the bed.

Speaker 5 (11:37):
Yet right now.

Speaker 2 (11:39):
In that show, they make him look like the greasiest armist.
And then I don't know, maybe that's just Gary Oldman
on a Monday. But ever since the show was the
first movie I ever remember him from a professional Oh oh.

Speaker 3 (11:54):
Yeah, oh yeah, he's the drug dealer, he's the he's
a gangster.

Speaker 2 (11:58):
Yeah yeah. That was one of his first break out.
The only one I haven't seen in that Best Drama
Series for the Golden globes is the day of the Jackal.
So I've done my I've done my summer reading.

Speaker 4 (12:07):
You guys both are like, you know, oh, oscars are
coming out, and I remember, just like on a lark,
I was like, you know, yeah, I heard something about
that movie Parasite.

Speaker 5 (12:17):
You know that that that might.

Speaker 4 (12:18):
Win the best movie, And you guys both, yeah, that
one was pretty good.

Speaker 3 (12:25):
Yeah. I like to see a lot of movies. I do,
and only if you like movies I do. I do
like movies.

Speaker 2 (12:31):
Well, what's going on in the world of mortgage news?

Speaker 3 (12:33):
Have you got questions? People want? People want good quality
mortgage information. I don't know if they're here for this information,
but they're waiting patiently for their mortgage. Also, we have
an insta inquiry about number.

Speaker 2 (12:46):
We got Instagram watch that and more we're going to
talk about today. Well, I'll go ahead and talk about
the Instagram. You know we had the I started out
a few months back. I had like two hundred followers
or two two followers, my mom and my mom's fake account.

Speaker 3 (13:03):
And then your mom's BodyCount, Barb's other accounts.

Speaker 2 (13:10):
H lost my train of thought. There you go. Thanks
somebody what I said? Oh and then, and then Fritz
convinced me that maybe I should try harder be you know,
work on that, because I posted off two or three
times a week but didn't really try and and generate followers.
So we started trying to do it, and then we
the goal was initially five hundred by Thanksgiving, and we

(13:30):
got to that in by by Halloween, so I changed
the goal to one thousand, and we did. We weren't
sure we were going to make it right, and when we.

Speaker 5 (13:39):
Left like like seventy five or something.

Speaker 2 (13:41):
When What's Up, we still.

Speaker 5 (13:43):
Needed like quite a quite a way to go a lot.

Speaker 2 (13:45):
No, when we left the show last Saturday, you had
about seven hundred and fifty trying to get to one
thousand in one week. And I don't know how it happened,
some sort of Christmas miracle, some sort of whatever. I
sent Fritz the screenshot on New Year's Eve, like at
ten o'clock gues we hit a thousand followers.

Speaker 3 (14:04):
Yeah, baby, Yeah, so we did make.

Speaker 2 (14:06):
Our goal of one thousand years Eve. And thanks to
all the people out there that listen on real radio.
You can follow me too at that mortgage guy don
on Instagram. We're now up to almost twelve hundred, it's
like eleven seventy eight. It seems like goodness once to
start getting them. They keep coming in, but I am
having to go in there and pick off some that
are not legit. But it's happening.

Speaker 4 (14:28):
They start talking about businesses that aren't around anymore.

Speaker 2 (14:31):
They start talking about all kinds of things. Yea, yeah,
but you are listening to myf I told you to
stop doing that on air. FS.

Speaker 3 (14:44):
It's your birthday season. You do whatever you want.

Speaker 2 (14:47):
You could promote your instage feet pictures. It's just feat
pictures and feet and just strangers that I see.

Speaker 5 (14:54):
We're in flip only feet.

Speaker 2 (14:56):
You're listening to the Home Loans radio show. We're going
to take a quick break. We'll be right back after
these messages. Hey, hey, hey, it's that mortgage guide Don
twenty twenty five is here and the cold nights are coming.
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(15:16):
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(15:59):
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Speaker 5 (16:06):
Hey, this is Devor Roberts from the Jim Culbert Show.
When you're listening to Home Loans Radio on real Radio,
now back to the show with that mortgage guy.

Speaker 3 (16:15):
Don You are listening to Home Loans Radio with that
mortgage Guy done, where we talk about mortgages. Sometimes we
talk about mortgages. We should, we should we should talk
about mortgage.

Speaker 2 (16:27):
We're just we're talking about movies for.

Speaker 3 (16:29):
The whole I've been talking about movies.

Speaker 2 (16:31):
And we had to interrupt our chat to come back
to the radio.

Speaker 3 (16:34):
Try to stop our our our yes, our breakdown of
the movie Goodfellas.

Speaker 4 (16:40):
To movies for board half minutes talking about mortgages.

Speaker 3 (16:45):
Yes, Anthony says MJ. Who goes to the movies anyway?
I go just about every week. Nice you go. Anthony
recently saw a Gladiator too, Wicked, Mowana to a Complete Unknown,
and Anthony's favorite movie the year is Wild Robot.

Speaker 4 (16:59):
Yeah, I hear it was really good seen it? What
did you think of a Complete Unknown?

Speaker 3 (17:03):
Because I would like to watch I have not seen it.
That one I have to go see in the theater.

Speaker 2 (17:07):
Yeah, that one's at the theater.

Speaker 3 (17:09):
Yeah.

Speaker 2 (17:09):
But I saw Wicked. I was, I was. I went
and sell it on Thanksgiving Day. I was. It was
a nice, nice movie. Yeah, I'm excited about it. But anyway,
you're listening to the Home Loans radio show with that
mortgage guy, don movie talk. We're here doing what we
do every single Saturday. You can text in your questions
to seven seven zero three one. We were talking about

(17:29):
movies because the Golden Globes are coming up on Sunday
and you know, trying to do my homework. But anyhow,
I digress. You can text in your mortgage questions to
seven seven zero three one half. We got any other
questions or comments there?

Speaker 3 (17:42):
Well, Russell says, Yeah, let's just keep pushing back that
mortgage talk. Sorry, Russell, We're gonna have to do a
little bit of mortage time.

Speaker 2 (17:48):
Russell. I'm with you, man, It's just let's just do it.

Speaker 3 (17:54):
Can I buy a home while working as an independent
contractor for Amazon and Uber Eats? And can I include
my daughter also since my wife doesn't work. So can
a dad and a daughter buy a home if they
are independent contractors?

Speaker 2 (18:09):
Yeah? You can. It's really about I mean, being an
independent contractor is not something that necessarily throws you out.
But when you are qualifying that way, you typically on
a conventional loan or an faha loan. You have to
use your tax returns, so and you also want to
have a two year history of that income. So yeah,
if you've been doing those jobs for two years and
you've got a two year history and you file tax returns,

(18:30):
that's another important piece. Then you can use that income
to qualify for a home. Now, a lot of people
write off a lot of things, so it can make
your taxable income look low. If you're self employed, employed,
or a independent contractor, so you want to take that
in mind. You want to keep that in mind, you
know on what you write off. But even if your
tax returns don't show quite enough income, there are some

(18:51):
other ways to still buy a house or get a
refinance through bank statement programs, you know, showing what deposits
go into your business, or personal banks statements or p
and L programs where they look at your p and ls.
So there's a lot of options. If you're self employed,
you definitely if you're self employed and you want a mortgage,
you definitely need to talk to a mortgage brokerage like
myself because we have all the options. We got thirty

(19:14):
or forty different banks. Whereas, if you that we can
do loans with that do those kind of loans, So
specialize in those kind of loans. Whereas if you go
to just your corner bank, they may turn you down
flat and say, now you know you don't make enough
money on paper on your tax return. So yeah, if
you are interested in that you definitely need to talk
to a mortgage a mortgage guy like me.

Speaker 3 (19:32):
So if you go to the bank, they just are
going to offer you whatever programs that's their actual programs, like,
they don't offer you other things.

Speaker 2 (19:39):
In a bank, you're typically going to get your cookie
cutter type loan, your you know, your conventional loan, maybe
your faha, some do va, some don't. It just depends.
But they're going to have one product that they offer,
one set of rules that they have, one minimum credit score,
one debt ratiow rule. Whereas a mortgage brokerage, I can
go to forty different wholesale banks, and each of these

(20:02):
banks may have slightly different rules. They may allow lower scores,
they may have more flexibility in the debt ratios and
so on, or in the income. So what I what
I what people bring me is their mortgage problem, and
I go out and find a mortgage answer for them
and find, you know, and if we find two or
three banks that will, we'll accomplish the goal and we
see which one's going off for the best deal. Simple
as that great question. Thanks for texting that into seven

(20:25):
to seven zero three one Here.

Speaker 3 (20:27):
Somebody says, not gonna lie, Wednesdays off not a bad time, right,
I mean, I enjoyed the weekend. In the middle of
the week, it was just it was just discombobulating.

Speaker 2 (20:35):
I was feeling the four day work week for sure,
you know. And actually I close the office for half
a day, like on Christmas even New Year's Eve. So
I really liked that three and a half day work week.
But what I found was I did not get a
lot of work done.

Speaker 3 (20:48):
Well.

Speaker 2 (20:49):
I felt like I came up short. Yeah, because you
get in on Monday, right, you know, and you don't
get started til you have that cup of coffee and
you get going, and then Monday's over, and then you know,
then it's Tuesday and you're packing up for Wednesday, and
then Thursdays you're in your new Monday, and then Friday's
your old Friday, and you get three days work done
in six days. I don't know if that's going to

(21:10):
work for me, but I did enjoy it for two
weeks in a row.

Speaker 3 (21:14):
A happy New Year done. I'm jan Fritz. Just like
twenty twenty five. Bree and Carrie are here listening, that's
right now. I also like twenty twenty five. You may
see your Instagram's numbers high to twenty twenty five. That's right,
that's it could be a new goal twenty twenty five
and twenty twenty five.

Speaker 2 (21:28):
Okay, I like that. We're we're at what eleven hundred
and something. That's probably that's probably too soft of a goal.

Speaker 3 (21:36):
Oh oh, people, look what you've created.

Speaker 2 (21:39):
No, No, people that work with me, people on my team,
are sometimes annoyed by the goal setting that I do,
but we almost always make it so.

Speaker 3 (21:48):
You know, they're saying that you swing too low.

Speaker 2 (21:52):
No, they're saying that I set the goals too high
but too hot. Yeah, I'm always prone to set it
too high, Like I might say twenty twenty five by
February first. That would be the kind of goal I
would sell. But that you think that's too ambitious?

Speaker 3 (22:05):
I don't know. But I feel like you owe some
people a TikTok dance.

Speaker 2 (22:09):
We're not talking about that. What are you talking about him?

Speaker 5 (22:11):
Oh?

Speaker 3 (22:11):
I think that you promised the people that you would
be doing some kind of a dance on your Instagram.

Speaker 5 (22:16):
People are waiting, is that true?

Speaker 2 (22:18):
Research?

Speaker 5 (22:19):
I can check it out.

Speaker 2 (22:22):
I might have. I might have said if we got
to the thousand by New years that I would do
a something.

Speaker 5 (22:29):
Well, Google doesn't have any search results for me.

Speaker 2 (22:34):
Play the tape.

Speaker 3 (22:37):
There's someone who says, I had a foreclosure in twenty
nineteen when divorced. My credit has rebounded, but well the
forecloser keep me from buying a home again.

Speaker 2 (22:45):
It shouldn't, you know, not on its surface, if you
have the other components that allow you to qualify. You know,
back again. So you said your credit score is rebounded.
So off credit scores above five eighty, you know, that's
really a good range to look for. We can get
loans done down to five hundred in some cases, but
really five eighty is where it starts to be pretty
where the probability gets pretty high. Tell me it again

(23:11):
the last part.

Speaker 3 (23:11):
They said that will the foreclosure itself. Their credit has rebounded,
But will the foreclosure having a foreclosure? Will that will
that mess them up?

Speaker 2 (23:18):
The foreclosure itself has a waiting period after you after
you file, you know, after the property d transfers out
of your name. That's kind of the benchmark for a foreclosure.
Once it's transfers out of your name, either by auction
on the courthouse steps or you know, you give the
house back to the bank or whatever whatever that date
is where it's transferred and recorded out of your name.
That starts a clock, and with FHA and VA, you

(23:40):
need two years on that clock before you can do
a new mortgage. With conventional loans like Fanny May Freddie Mack,
you need four years. So either way, you're getting nineteen,
we're in twenty twenty five, you're freeing clear in twenty five,
six years down the road a couple more years. That
won't even show on your credit report anymore.

Speaker 3 (23:57):
Oh wow, yeah, just goes.

Speaker 2 (23:58):
So, yeah, you should apply and we'll do the pre
approval process. So then we look at the rest of everything.
We'll look at your income, your debt ratios, how long
you've been on your job, you know, credit scores, what
kind of payment down payment you have, We'll get the whole. Yeah, yeah,
that's part of the equation. Okay, yeah, it's not. But
if you're following me on Instagram, it is at that
mortgage guide don because then I can help you achieve

(24:21):
your dreams of getting home after foreclosure five years ago.
It shouldn't be it shouldn't be an issue as long
as everything else lines up. Great question. Thanks for texting that,
and you are listening to the Home Loans Radio show
with that Mortgage Guide Don. You can go to the
website anytime during the week. All kinds of things you
can do there. You can apply for a heelock, you
can apply for a commercial loan. You can get started

(24:41):
and get a quote on a reverse mortgage. You can
start your pre approval, or listen to all of the
two hundred and seventy shows we have up, past shows
that we've done. We're starting our seventh season today. You
will be right back after these messages.

Speaker 4 (24:57):
Hey, this is Ryan from the Monsters, and now back
to that mortgage Guy Done on Real Radio.

Speaker 5 (25:03):
Twenty twenty five still alive. I don't know. Twenty twenty
five is way better than twenty twenty four.

Speaker 4 (25:12):
That's all I'm saying. And I love you twenty twenty
five heap being awesome. You're listening to Home Loans Radio
right here on Real Radio one oh four point one.

Speaker 5 (25:20):
I am Fritz.

Speaker 4 (25:21):
We got music there. We also have MJ and that
Mortgage Guy Don. If you have a question, text it
into seven seven zero three one. You can also follow
Don on Instagram. How just search that mortgage Guy Done.

Speaker 2 (25:34):
There you go at that mortgage Guy Don and join
the almost twelve hundred followers army.

Speaker 3 (25:43):
A name can have to have a name for your people,
like you know, like Gaga has the Monsters.

Speaker 2 (25:48):
And let's not get ahead of yourself. Okay, I'm still
trying to get my blue check mark.

Speaker 3 (25:52):
Oh yeah, that workshop that everyone let us know what
you aren't what the mortgage guy followers should be called.

Speaker 5 (25:59):
I just seen that the other day. I was like, wait,
how does she have a blue check mark? She had
less followers than me.

Speaker 4 (26:04):
Yeah, I mean I don't usually care about that sort
of thing, but it really made me mad.

Speaker 5 (26:10):
I was like, come on.

Speaker 2 (26:12):
I didn't know what it was till recently, and people
have been asking me, where's your blue check mark? Where's
you blue check mark? Where's the blue check marks? I
don't know? Can you get it for me? Help? You're
listening to the Home Loans radio show with that mortgage
guy Don. You can text in your questions anything having
to do with home loans or business loans, or real
estate or you name it to seven seven zero three
to one. I'll answer it right here on the air.

(26:33):
If you can't text or you're driving, then don't text.
But you can always go to the website after the show.
At that mortgage guy, Don, you can text me questions
right there live and I'll answer them. But today text
him to seven seven zero three to one for the
next hour of slightly less than an hour, we'll get
them answered for you right here.

Speaker 3 (26:51):
What do you got m Jack, Hi, Don, thank you
for doing this show. It is so helpful. Yeah, that's
somebody who needed a little information about the movies.

Speaker 2 (26:59):
So helpful. Well, now you know what the best drama
series are nominated for, the Golden.

Speaker 3 (27:05):
Globs, right. I currently live in a home that was
my mom's and inherited with my sister. I've lived here
for two years. Mom had added me and my sister
to the deed with her a couple of years ago.
I have a good job in decent credit, but I've
never had a mortgage. My sister lives up north and
I need to get her one hundred k from the
equity as her share of the inheritance. Can I get
a mortgage if I've never bought a house before. Can

(27:26):
you help me sort this out?

Speaker 2 (27:28):
There are a lot of good questions in there, all right,
So we've got somebody they live in a home that was.

Speaker 3 (27:33):
Their moms and they're already on the deed.

Speaker 2 (27:35):
And they inherited the mom put them on the deed,
inherit it with a sister, and so they've never had
a mortgage. So you don't have to have a mortgage
to like, you don't have to have bought a house
before in order to refinance a house that you inherited. Okay,
so that is that's not a thing you have to
still qualify.

Speaker 3 (27:53):
But it came first the first mortgage or no mortgage,
right exactly, you had to have a mortgage to get
a mortgage.

Speaker 2 (27:58):
You know. That's like the you know, the only thing people,
how can I build up my credit if I don't
have any credit? You know? But there are ways we
can talk about them if you want that question answered
text it in the seven seven zero three one. But
yet you can you can definitely do that. You would
take out a loan against the property that would pay
the closing costs on the refinance, pay off any balance.
But I think they said it was free and clear.

Speaker 3 (28:20):
Yeah, and they know I need one hundred k.

Speaker 2 (28:21):
One hundred k, okay, so you can do well, you
need one hundred k for your sister, So I don't
think there's a mortgage on it. So you just do
a loan for like probably one hundred and five thousand
that would include the closing costs everything, and then you know,
your sister gets her money and in return, she would
quick claim off of the deed at the closing. That's
typically how it's done. You get your money, you take
yourself off the deed, boom boom, then you pay the

(28:42):
mortgage payment. Sisters got her money. You could also take
out more. If you've got things you need to do
to the house. You got improvements, you got repairs, you
need a new roof, you could also take out a
little more, you know, so you can do well. There
you go, MJ. Thinking like a homeowner.

Speaker 3 (28:57):
I'm just saying it doesn't have to be a house thing, right,
just be money. Yeah, yeah, there you go.

Speaker 2 (29:03):
You could you could take there's an old joke into
mortgage business, like about construction loans where somebody's boat down
in the keys is named first draw. Yeah, oh, but
that's not a good idea, they'll find you. First draw
means when you're doing construction, you take the first draw
and you know, high tail it, and then you could
you could do that but people don't do that, that

(29:23):
would be wrong.

Speaker 3 (29:24):
No. Yeah, we're workshopping names for your your Instagram followers,
and we've got one raiders for interest rates mortgage raiders,
so we just call them Raiders. Would be Don's Raiders.

Speaker 2 (29:36):
With the T. Yes, it sounds a lot like raiders.

Speaker 3 (29:39):
It does. It sounds a little violent, sounds like it
could be.

Speaker 5 (29:42):
Yeah, now let's think about this. Is that bad?

Speaker 3 (29:45):
I don't know, right, maybe maybe we want.

Speaker 5 (29:47):
Some ultra violence every now and then.

Speaker 3 (29:53):
So we've been told that anyone can have a blue
check mark. Now you just have to pay for it.

Speaker 2 (29:57):
Oh, well that's why I don't have it. You get
it out for it.

Speaker 3 (30:01):
I don't, it says, well, I don't know.

Speaker 2 (30:03):
I heard they had to pay for it. Then you
didn't have to pay for it. I don't know. I
clicked the thing that said do you want a blue
check mark? I clicked it, and it said we'll get
back to you, okay, and uh, nothing so far from
uh who runs Instagram? Zuckerberg Zuckerberg. That's right, nothing back
from the zuck yet. But I'm waiting. I'm patiently holding
my breath. Yeah. I sent him a letter and said

(30:26):
I've got over a thousand followers. Give me my blue
check mark.

Speaker 3 (30:31):
My raiders need me to be legitimate.

Speaker 2 (30:34):
Raiders sound like pirates, like like bad people, like you
know in the in the video game what's the game?
The one where you're building a bunker underground the fallout
for Fallout. Yeah, the raiders are the ones that come
and tear up all your stuff. Yeah. I don't want to.
I don't. I don't think we're gonna have to keep
work shopping.

Speaker 3 (30:51):
I keep work shopping that everybody. We need to know
what to call the many hordes of people.

Speaker 2 (30:57):
I do.

Speaker 5 (30:59):
Have a shirt idea, though, I want.

Speaker 4 (31:03):
Like a kind of like the well what I described it,
But do you know the public enemy logo? No, so
it's it's a man uh in a like rifle scope
but instead of that's what I was thinking, a house
and it says real people hunt houses.

Speaker 3 (31:25):
I don't hate it, don't hate.

Speaker 4 (31:27):
It, well, but just just kick it around. You don't
have to say no, right, all right, get a better for.

Speaker 2 (31:35):
Mortgage. Everything sounds bad. Everything sounds like you know, mortgage.

Speaker 5 (31:42):
Mortgage, muff no, no, all the words are bad. Uh.

Speaker 4 (31:48):
Murder no no no, Now, research says that murder is
not good in any kind of brand name.

Speaker 3 (31:56):
It's just not good. No, nope, nope, that's the only one.

Speaker 2 (32:03):
We'll keep. We'll keep work shopping this but maybe not now.

Speaker 5 (32:05):
I'll make that shirt myself. You'll see.

Speaker 3 (32:07):
All right, Here is a question about the mortgages. Should
I compare my quote for reverse mortgage? Are they all
going to be the same? I understand they are government
h e CM loans and never heard of that? And
what does HGCM mean? Oh? Thank you, I'm going to
find out. And are all reverse mortgages insured by the
federal government?

Speaker 2 (32:28):
Say? Okay, so what was there?

Speaker 3 (32:30):
That's a question?

Speaker 2 (32:30):
Three questions there?

Speaker 3 (32:32):
First, can what does h e c M mean?

Speaker 2 (32:34):
It stands for it's a reverse mortgage. The federal government's
version of the reverse mortgage's called a home equity conversion mortgage.
So basically, it's converting your home equity into money you
can use either in a lump sum or an equity
line or a monthly payment. So home equity conversion mortgage.
What was the second part of the question.

Speaker 3 (32:53):
Are they all? Are they all that?

Speaker 2 (32:55):
They are not all government insured? No, there are plenty
of companies that do their own version of reverse mortgages.
The only one that is ensured by the federal government
is the Heckum the HGCM. And then the first question
was should I shop? Should I compare my quote one
hundred percent? If I was the person who said things
like one thousand percent, I would say, but one hundred but.

Speaker 3 (33:16):
You understand that percentages ended one hundred I do. So
you wouldn't be one of the person who says one
hundred and ten percent, precise one hundred and twenty percent,
because that drives me nets, does it?

Speaker 5 (33:25):
Yeah?

Speaker 3 (33:25):
It does?

Speaker 2 (33:26):
Well, write that down, Mark that down in the log,
Fritz star log and forty three seconds.

Speaker 3 (33:35):
It's not a thing. There's those those things. There's a
thousand percent.

Speaker 2 (33:38):
Friendship M M. J.

Speaker 5 (33:40):
Peeves January fourth, Well it's the first of the new year.

Speaker 3 (33:44):
Yes, oh, the first one. All right, well, one hundred percent.
There's going to be more. Oh, Anthony has Anthony has
a good idea for your followers.

Speaker 2 (33:54):
Good what the So the question is should I compare
my reverse quote? Are they all equal? They are definitely not.
You can go to ten different banks and you're going
to get ten different rates. You're going to get ten
different amounts of how much cash you can get out.
It's all different from lender to lender. The bones of
the structure of the loan are the same, but each
lender says, let's say you're doing a reverse to your

(34:15):
corner bank or what have you. They have to structure
in their overhead. So they have to pay those loan
officers to do the reverse mortgages. They have to pay
the people that process them, they have to pay for
the building in which they sit, they have to pay
the loan officer. You know, everybody. There's overhead in every
loan that's ever done, and so when you're doing it
with a bank, they may have, you know, ten thousand
dollars more overhead than a mortgage brokerage like I have.

(34:37):
So I have, and you can also charge what you
you know, your fees that you charge are determined by
the bank. There are caps that are set by the heckum,
some people always march it all the way up to
the cap. I don't do that, you know. I try
and get a reasonable fee that I think is fair
and get the people the deal that they need, and
that's really going to do the best for them. For
most people, the reverse mortgage is going to be the

(34:58):
last mortgage that they get because it's made for people
that are over sixty five and no longer have a regular,
you know, income other than your fixed income. So that's
that's kind of the nature of the project. Great question.
You're listening to the Home Loans Radio show. Text in
your questions to seven seven zero three one. We'll be
right back after these messages.

Speaker 5 (35:17):
Hey, it's Sabrina from the news Junkie. Do you have
a question for that mortgage guy Don. Text him at
seven seven.

Speaker 3 (35:23):
Zero three one.

Speaker 2 (35:24):
No.

Speaker 5 (35:24):
Back to Home Loans.

Speaker 3 (35:25):
Radio on real Radio. Hey, Hey, you are listening to
Home Loans Radio with that mortgage guy done, and we're
talking about mortgages, of course, because what else would we
be doing here because it's Saturday, because it is what
we do on Saturday. As we come here, we talk
about mortgages. We're also talking about the recent hoard of

(35:46):
Instagram followers that that mortgage guy Don has collected.

Speaker 5 (35:49):
And what we should name them a hoard?

Speaker 3 (35:51):
Is well it already kind of kind of takes a
negative thing. I shouldn't say it that way. Yeah, Well,
revelers celebratons. Wait is that bor writers celebrate no sell
How do you say the word britt celebrants.

Speaker 5 (36:05):
Is that right, Bretons hm hmm.

Speaker 3 (36:12):
And we have some suggestions. Anthony says, Lady Gaga has
the monsters. Don has his Donsters, Uh, the Donsters.

Speaker 2 (36:21):
That mortgage guy, Donsters.

Speaker 3 (36:24):
Lady says, magnificent mortgage. She's thinking more and someone else
says more more gazers.

Speaker 5 (36:30):
That's very on the nose.

Speaker 3 (36:34):
I like it. I like it. I like it. Someone
else is suggesting the mortgage mafia.

Speaker 2 (36:39):
I gotta pretty much not have crime in the reference.

Speaker 3 (36:42):
I feel like that's a bad messaging thing. Since you
are financial, you are working with financial institutions.

Speaker 2 (36:48):
And financial licensing. They don't want you saying that you're
aligned with crimes. Probably probably not. That's fun, though we're
gonna have to that. We almost got our first. MJ
says a word in a special way. Well, I'm trying
to figure out what you were trying to say, you know,
like like when you said that Aquatica was Aquatica Frost,

(37:09):
Oh yeah, for quite a while, and Fritz and I
let you because it happened, because we liked it.

Speaker 3 (37:14):
I recently did say that in New Orleans, the person
who initiated that terrible attack had also spread IUDs around town,
which was wrong?

Speaker 2 (37:23):
I U d's it's I. E yes, it's they they
used to IED's you said, IU d's. Yeah, that's that's
a subtle but important difference.

Speaker 3 (37:31):
There's a difference. There is a difference.

Speaker 2 (37:34):
Put that in the star mistake.

Speaker 3 (37:35):
Yeah.

Speaker 2 (37:36):
Yeah, well, very fun. We're in our seventh season. I
can't believe the podcast seventh season starts today. This will
be episode one of season seven of the Home Loans
Radio Show podcast. When do you think about that?

Speaker 3 (37:48):
Wow?

Speaker 5 (37:49):
This is someone who says part two of the cliffhanger.

Speaker 2 (37:52):
That's right.

Speaker 3 (37:53):
Someone says I agree one hundred percent about one hundred
and ten percent. Thank you. And I also don't like
your seventy years young? Oh you old? Yeah?

Speaker 4 (38:03):
Yeah, I never got that either, you know I didn't.
I still don't really understand late.

Speaker 3 (38:09):
Hmm.

Speaker 5 (38:09):
If someone is late, meaning that they've passed on, I
don't get it. It's like, do you really expect them
to be on time?

Speaker 3 (38:16):
They're so late?

Speaker 2 (38:17):
What a gig means? You've just accepted the facts.

Speaker 3 (38:21):
That's like, not only did they die, but you're yeah,
you're digging them out for being not prompt.

Speaker 4 (38:26):
Yeah, you're like burying them for a second time. He's like,
come on, man, get over it. Okay, Yeah, he had
some problems in life. He was constantly late to things.
But don't don't be a jerk.

Speaker 2 (38:35):
The late Jeff filden Fritz Jeff passed. No, No, he's
just here onside.

Speaker 5 (38:41):
He's just late again.

Speaker 2 (38:42):
Confusing, so confusing. Yeah, that's that's I don't like that
with you.

Speaker 3 (38:47):
James says, call it joining the family because the don
will make you an offer.

Speaker 5 (38:51):
You can Yeah, do you have a pinky ring.

Speaker 3 (38:56):
I'm sure you can get one.

Speaker 2 (38:57):
A pinky ring.

Speaker 5 (38:58):
No, no, we should both have matching pinky rings.

Speaker 2 (39:01):
All right, let's let's work on that today.

Speaker 5 (39:03):
Yeah, yeah, yeah, we'll get on it.

Speaker 2 (39:04):
We'll get on Amazon during during the party.

Speaker 5 (39:06):
And figure it out like seven bucks each.

Speaker 2 (39:08):
I was thinking we each do prison tattoos for each other,
but not in prison, oh.

Speaker 4 (39:13):
Yet, like on our faces, on our faces, but not
until we've all had enough to drink.

Speaker 2 (39:19):
Now, I'm gonna do my arm, but you do your face.

Speaker 3 (39:23):
You go first.

Speaker 2 (39:25):
Yep, I'll pay for it, all right.

Speaker 3 (39:28):
Here's someone who says, hey, Donald, we refinanced a house
with you about four years ago. When interest rates were awesome.

Speaker 2 (39:33):
Thank you so much.

Speaker 3 (39:34):
We now need to get money to replace the air
conditionered ducks and water heater in our house. Do you
think HELI will be the best way to ever leverage
our equity? If so, what terms would you suggest or
is there another product? Do you think it might be
better in our situation. Their home is going to be
They're going to be in that home forever. Okay, that's forever.

Speaker 2 (39:52):
I'm guessing if what four years ago, it would be
twenty twenty, So depending on when they did it, they
could have a really good rate down the shad they
did twos or threes. If you if you do have
a rate with like a two, three or four, then
the solution to get equity out of your property is
probably going to be with a helock which is a
home eque line of credit. Or we also have fixed
rate second mortgages and we could if the rate is higher,

(40:13):
like in the five or six is then maybe you
want to do a cash out refinance because then you
can keep the rate the same. But I would definitely
reach out about that. Just go to the website, you know,
the website that mortgage guide don dot com and go
to the refinance side and fill out the basics of
the refinance application. And then I will have Laura, my
heelock experts, helock helock whisperer, we call her, and she

(40:38):
will put the whisper well, no, like like a horse whisper.
She whispers, I'm sure. I askations like can you talk louder,
I have helock questions.

Speaker 3 (40:52):
I'm gonna give you an offer.

Speaker 2 (40:56):
You can't the fuels now, and what Laura will do?
It was put together a few different options. We got
over a dozen different options depending on your needs. Whether
you want to be able to charge it up and
down like a helock, you can. You can get a
helock for two hundred grand, but only take out fifty
on the initial drawl and or maybe take out twenty later,
or just keep the rest sitting there in case you
get something you want to do with it, or if
it's something like this where you know the things you're

(41:18):
gonna do. You can do a fixed rate second mortgage,
like a ten year or twenty year, thirty years, you know,
second mortgage and then just have a regular flat monthly payment.
So there's all kinds of options. Three year draw periods,
ten year draw periods, rates we're seeing anywhere from the
fives to the tens on those depending on your credit score,
Loan to value property type things of that nature. But yeah,

(41:38):
that's a great way to take the cash out. Go
to website at that morre you's got done dot com,
fill out the refinance application and we'll get you some
numbers and then you'll have all the facts and figures
to make a decision. Thanks for thanks for texting. In
seven to seven zero three to one, Bree.

Speaker 3 (41:53):
Says, what about Don's millions or the Donnis?

Speaker 2 (41:56):
The Donnis?

Speaker 3 (41:57):
The Donnis and the.

Speaker 5 (41:59):
Donnie's is like you've given out your own oscars.

Speaker 3 (42:04):
Welcome to the Johnny's.

Speaker 2 (42:06):
You know what. I think I'm gonna do that. Yeah,
we'll do the Orlando Donnis. We'll have like instead of
you know, some of the papers have their best of
or their whatever. I'm just going to do my own,
you know what.

Speaker 5 (42:16):
Yeah, that would be great.

Speaker 4 (42:18):
Also on your website if people want to follow along,
like on like Oscar Night or Golden Globe Night, and
you can like end real.

Speaker 5 (42:25):
Time say you know, I would have given it to
this person there.

Speaker 4 (42:28):
M M.

Speaker 2 (42:29):
That sounds like a lot of production, you know.

Speaker 3 (42:31):
A lot of work.

Speaker 4 (42:32):
You know what movie is not going to be winning
the Best Picture is that movie?

Speaker 5 (42:35):
Carry on?

Speaker 3 (42:36):
I did not ooh that's a lame movie.

Speaker 5 (42:38):
I did not like that movie at all one bit.

Speaker 3 (42:41):
I found that to be a very prestinctible full of
movie tropes that we've all seen before.

Speaker 5 (42:47):
Unbelievable.

Speaker 4 (42:47):
And also, Jason Bateman has to stop playing this tough
badass because I don't get it.

Speaker 5 (42:52):
I don't buy it.

Speaker 3 (42:53):
I agree, I mean I buy it because I've watched.

Speaker 4 (42:56):
Because he's just because he's full of it and narcissistic
doesn't mean he right.

Speaker 3 (43:00):
I mean, I watched Ozark. Ozark was great, really really great.
But part of what was great is because it felt
like Jason Baman was playing against type, and now that's
become his type. So every time you see him, it's
like seeing Charles Derney, like, oh, we know he's bad.

Speaker 2 (43:13):
I think, I think on the Donnie's the words that
I'm gonna do, maybe I'll do like five word summaries
of a movie, so that one would be Jason Bateman
ran out money.

Speaker 3 (43:30):
Jason Bateman needs a check.

Speaker 2 (43:35):
You're listening, You're listening to the whole Owns Radio show.
With that mortgage guy Don. We'll be right back at
the top of the hour. Hey hey, hey, hey, hey,

(44:03):
hey hey, welcome back to the Home Loans Radio show
with that mortgage guy Don. That's right, that's me right
here doing what we do every single Saturday. And that's
Fritz over there doing what he does every single Saturday,
playing some of his amazing original music here on the show.
Tell us about that one, Joe.

Speaker 4 (44:20):
That album is now five months old. It's the real
Fritz album Enough about Me. That song is called Rainbow.

Speaker 2 (44:28):
And you can find Fritz's music anywhere you find music,
whether it's the real Fritz, whether it's Florida Slang, Corvus Incorporated,
Luscious Lisa, anywhere you find music, and you can follow
him at no Underscore Regrets, Underscore Coyote. Thanks again as
always going into twenty twenty five, mister Fritz for sharing
your original music on our show for so many years

(44:51):
in a row.

Speaker 4 (44:52):
It's a pleasure. It's a pleasure. Twenty twenty five, you
are looking better and better. I love you so much.

Speaker 2 (44:57):
And I want to thank you for the New Year's
gift that you gave me a few minutes ago. Uh Fritz,
And I'm gonna I'm gonna pass it on to everyone else,
which is, uh, you shared a video of a hedgehog
taking a dust bath.

Speaker 5 (45:09):
Oh, it's so cute.

Speaker 2 (45:11):
I've never seen anything so cute.

Speaker 5 (45:12):
I can't stand it. It's so cute.

Speaker 2 (45:15):
And then I looked on Instagram for hedgehogs taking a
bath and this is an entire universe. I was so amazed.
And then and then a little way down the page
there's there's like porky pines, and then there was a
whole like ten pages showing porky pine feet.

Speaker 5 (45:30):
Oh they're so cute.

Speaker 2 (45:32):
They have cute So there you go. Thank you for
that twenty twenty five and uh and Fritz for sharing
porky or was it hedgehogs taking a bath? Bath?

Speaker 4 (45:44):
Yeah, it's really really Instagram the video that I sent you.
I don't know how we can share it. Yeah, man,
it's so cute.

Speaker 2 (45:51):
We'll figure it out. Research is on it.

Speaker 3 (45:53):
Research is on it. Someone suggests the helocks for your followers.

Speaker 2 (45:59):
The helocks. All right, all right, thanks for texting into
seven seven zero three one. That's how you do it.
You're texting your mortgage questions, salutations, comments, or just tell
us what you're doing out there, or what you are
planning to do for twenty twenty five or not do
or not do or not do? You got like that,
you got some some bad habits you got.

Speaker 3 (46:18):
I'm not going to do resolutions. I cry less?

Speaker 2 (46:22):
Cry less? Are you sure?

Speaker 3 (46:24):
No? I'm hopeful.

Speaker 2 (46:30):
You mean like the happy crying or the sad.

Speaker 3 (46:32):
Crime in general? I just yeah, stuff it down, hope
it goes away. How did you want happy things? Body?

Speaker 5 (46:43):
Yes, just associate more.

Speaker 3 (46:45):
You're gonna smell more flowers.

Speaker 2 (46:47):
You're four days into it and you sound resign. I'm
just happy that the word jive Ryan's with twenty twenty five,
because I'm going.

Speaker 3 (46:57):
To find a way to work that You're going to
jive into five.

Speaker 2 (47:00):
All right, yeah, all right, all.

Speaker 5 (47:03):
Right, jump whale and jive in twenty twenty five.

Speaker 2 (47:07):
Guess what time it is, MJ.

Speaker 3 (47:09):
Is it time for you to uh compare quote?

Speaker 2 (47:13):
Yes, it's time I get a belt an amazing guess
it's time for the compare quote of the week.

Speaker 5 (47:19):
Here's the belt and here it is.

Speaker 2 (47:28):
People ask me all the time what the jingle says
Fritz Where they used to? Actually, I think it's less now.
I think it's less now, But people used to ask
me what the jingle says. It says, don't miss the boat,
compare your very quote, right, and the compare quote of
the week what that means. A couple of years ago
I started this thing. Well, I saw study first that
said that less than twenty percent of people got a

(47:49):
second quote once they got a first mortgage quote. And
that's really not a good plan. It's like the Dodo plan.
You really don't you really don't want to do that.
I know because I see so many quotes from other
men and we beat them all the time. Not by hundreds,
not by a thousand, but I'm talking thousands, sometimes ten thousand,
sometimes fifteen thousand. So you definitely want to compare your quote.

(48:10):
Every single time. I had one on Friday that they
sent me the quote, I said, this looks great. You
know this is a good quote. So I'll tell you
that too. If you send it in, it's not just you.

Speaker 3 (48:17):
Had the confidence that you've got a really great quote.

Speaker 2 (48:19):
Then you can tell your spouse, hey, I checked it
out with that mortgage guy. Done it. And that's the theory.
That's the theory this week, is that comparing your quote
can make you a hero to your spouse. Oh okay, yep,
this actually happened. These people were buying a home. They
had been pre qualified by another lender and been shopping
around for almost four months, and then once they went

(48:40):
under contract, they finally got to see the numbers of
what the rates and so forth will be. I show
people that in the very beginning when I do the
pre approval. Now we don't know what the rates are
going to be when you finally get a house, but
I do show them a fee sheet and what all
the costs and everything would be when we do the
pre approval. They were offered once they were under contract
a rate of seven point six y twenty five. That
is not good on a purchase with five percent down,

(49:03):
charging them over five thousand in points. God, their monthly
payment was going to be three thousand, four hundred and
seventy five. That was the quote that they sent me.
The husband has heard about us and on the radio
and has heard about the compare quote and sent it
over and I was able to get them six point
twenty five. So from seven point six two five down

(49:24):
to six point twenty five, that's over a point and
a half lower, and the fees were over four thousand
dollars lower, so that is a huge difference. This lowered
the monthly house payment. They were going to have a
house payment of thirty four to seventy five. I got
my house payment of two than nine hundred and eighty.
That was their whole goal was to get a two
in front of their house payment. This saved them four
hundred and sixty five dollars a month.

Speaker 3 (49:45):
Wow, by that's a lot of eight the.

Speaker 2 (49:52):
But this saved them four hundred and sixty five dollars
a month. That's a lot of money. Doing a compare quote,
that's that's five thousand dollar a year in savings. That's
not that's not just gonna that's going to cover at
least half of your uber each and a car payment.
But yeah, that's that's definitely a car payment. And their
their question was though, what they were worried about was

(50:12):
because they had gotten pre approved with another lender and
they were shopping and when their offer was accepted, they
used the pre approval letter from that other lender. They
were worried that they couldn't switch lenders at that point
in the process, and that is absolutely not true. You
can switch lenders any time. The best time to shop
is when you get under contract. That's when you want
to start shopping, and because then you can see what

(50:33):
the actual rates are and you know what's going on.
But because of this, the husband, knowing about the show,
comparing the quote saving them over so much money probably
one hundred thousand dollars over the life of the loan,
four hundred and sixty five dollars a month in pure interest.
The husband was told that he was the official hero.
So that is how comparing your quote can make you

(50:56):
your spouse's hero, be your wife's hero. And do not
missed the boat. Do indeed compare your quote.

Speaker 4 (51:02):
That's right again the lyrics show don't miss the boat.

Speaker 2 (51:13):
There you go, we did it first, compare a quote
of the year.

Speaker 3 (51:16):
All right, sounded good, good job, Graveler says. How about
go ahead and say I.

Speaker 4 (51:21):
Just said, hey, thanks, yeah, it's so good.

Speaker 3 (51:24):
The jingle is everything.

Speaker 5 (51:26):
I love it for compliments work yep, yeap it.

Speaker 3 (51:28):
So does you know you can't you can't get that
fish unless you you know, throw your rod in. So
that's right, that's.

Speaker 2 (51:35):
It, all right, all right, I want to check the
dumb a.

Speaker 3 (51:41):
Sorry, Graveler says, how about going the Japanese route and
name the show Super Happy Saturday Fun Time for Don
find House Most forest.

Speaker 2 (51:51):
Two things. I love that A lot.

Speaker 5 (51:54):
Waste opportunity. No, yeah, we're fine. I dumped it. No,
well MJ, you did it.

Speaker 2 (52:03):
You managed to get a dump in the first week.

Speaker 5 (52:07):
Of the show for the fishing rod.

Speaker 3 (52:08):
Obviously, just to.

Speaker 2 (52:10):
Stop stop, we need to we need to let everything
catch up.

Speaker 3 (52:15):
Remember those commercials that used to have for that fishing
rod that you could make small and keep in your pocket,
Like flash.

Speaker 2 (52:21):
It's called a pocket fisherman.

Speaker 3 (52:22):
I mean, where did that go?

Speaker 2 (52:24):
I had one as a kid. Really, they are garbage.
You caught more than a four ounce fish just snapped
in half. That was not a thing. But okay, let's
go back to graveller suggestion for what my Instagram followers
following me at that mortgage guy Don should be called.

Speaker 3 (52:40):
I think he's I think he's naming the show super
Happy Saturday Fun Time for Don find House Most Glorious.

Speaker 2 (52:45):
I like it.

Speaker 3 (52:46):
I like it too.

Speaker 2 (52:47):
There's a T shirt? All right, Thanks Graveler, thanks for listening.

Speaker 3 (52:51):
Find House Most Glorious.

Speaker 2 (52:53):
Find I think glorious.

Speaker 3 (52:54):
Is an underused word that is such a great word.
It means so many. I mean just the word itself
is glorious.

Speaker 2 (53:02):
I mean just the We could just go with an
acronym FHMG, which is a fine house, most glorious. Yeah,
we'll put it in all the advertising.

Speaker 3 (53:09):
Most glorious.

Speaker 5 (53:10):
I want that on a shirt.

Speaker 2 (53:12):
There you go. What else you got there?

Speaker 3 (53:14):
Mj oh, Well, we've got some mortgage questions. Right if
I refinance my four hundred thousand dollars home loan that
is at seven point eight five eight seven five, how
much would my payment come down? Right now? I have
great credit. My home value is six hundred thousand dollars.
They'd like to refinance their six hundred thousand dollar house,

(53:34):
and they're four hundred thousand dollars mortgage?

Speaker 2 (53:39):
What are they ow now? Four hundred?

Speaker 3 (53:41):
They owe four hundred and their rate right now is
seven point eight seven.

Speaker 2 (53:45):
Five and the house is worth six hundred.

Speaker 3 (53:48):
Yeah.

Speaker 2 (53:48):
I don't you know, I don't know their credit score.
But let's just assume they got great credit and we're going.

Speaker 3 (53:52):
To great credit.

Speaker 2 (53:52):
They said, Okay, let's assume we're going to get them
a rate, the best best qualified rates on a fifteen
year you're down into the fives like five point eight
seventy five. But if they're talking about a thirty year,
you're probably looking in the those sixes. If you're well qualified,
they're at about sixty five percent LTV, lowering the rate
about a point in one point seven. I think you'd
save I mean, I'm not sitting in front of a calculator,

(54:14):
but I think you'd save probably about four hundred dollars
a month or so. Just say, bet, that's a decent
That's that's where you're getting into the territory for sure,
where it's worth refinancing. If you on a four hundred
thousand dollars loan, if you can get it down a point,
that's fabulous. If you can get it down a point
and a half, then you're you're gonna have some significant savings.
So I'd say probably you can probably save four hundred
bucks a month or more. You want to find out how,
no obligation. Just for the website that mortgage guide, don

(54:37):
and fill out the REFI application. We'll put together a
quote and send it over to you. There's no hard
credit pull, there's no obligation, there's no cost, no hassle,
no fuss, no must you just find out glorious house,
most glorious. There you go.

Speaker 3 (54:48):
Here's someone to suggests Don the loan shark. But I
don't think that's a good one. No, no, no, okay,
it feels pretty negative.

Speaker 5 (54:55):
This this is a slogan that's positive. Right, Just please
caet that night, right right.

Speaker 3 (55:01):
We want, we want to want to attract people to
entrust that mortgage guy Don with their information and their
hopes and dreams.

Speaker 2 (55:10):
Yeah.

Speaker 4 (55:11):
I'm not saying loan sharking is bad. I'm just saying
it applies that you got arrest. No, it's bad or something.

Speaker 3 (55:18):
Yeah. Yeah, if the equity for your loan is also
entails your body parts, that is bad. Right, m hmmm.

Speaker 2 (55:26):
If the if the act of borrowing the money itself
is a crime and the act of lending the money,
that's probably that's not good.

Speaker 3 (55:33):
Yeah, not good.

Speaker 2 (55:34):
No loan sharking. But we'll keep work shopping that we'll.

Speaker 3 (55:37):
Keep the baseball bat is part of the mortgage payment
retrieval plan.

Speaker 2 (55:41):
Not good, mortgage maniacs.

Speaker 3 (55:44):
No, that sounds frantic, frantic.

Speaker 2 (55:46):
Frantic frontic sounds murdery.

Speaker 3 (55:48):
Yeah, it sounds sounds nutty like raiders.

Speaker 2 (55:51):
Yeah, we'll keep we'll keep noodling on it. And also
got some.

Speaker 5 (55:54):
Kind of like mental health condition maybe okay, which.

Speaker 4 (55:58):
Is out of control Ultimate Warriors.

Speaker 2 (56:05):
You know, you know Jeff hal mj sometimes messes up words. Yeah,
she told me the other day that Cheer had been indicted.

Speaker 3 (56:12):
Oh god, yeah, watched it injacted into the Hall of Fame.

Speaker 2 (56:17):
Oh yes, inducted into the Rock and Roll Hall of Fame.

Speaker 5 (56:20):
Congratulations sometimes only one bowelf, I was.

Speaker 2 (56:25):
I was like, she got indicted for what she said? Well,
they had great music, had a number one hit in
every decade for the last seven decades. I said, they
indict you for that, but we got it straight.

Speaker 3 (56:36):
It's it's it's you know, I think if you think
about it just for a minute, you'll figure it out.

Speaker 2 (56:40):
Yeah that's fair. Yeah, that's fair. Got nothing but time.

Speaker 3 (56:45):
Did you catch the Hall of Fame Show, The Rock
and Roll Hall of Fame Show, Fritz?

Speaker 5 (56:50):
I did not.

Speaker 4 (56:50):
I started watching a little bit of the pop Culture
Jeopardy though that's on Amazon, and one of the questions
was this twenty twenty four rock and Roll Hall of
Fame inductee is the only one that has an Oscar?
And I was, I said, share like, yeah, I didn't
know the share was going to be uh, you know,
in the in the bat the mix, So I just

(57:13):
kind of guess.

Speaker 2 (57:14):
I know I was right.

Speaker 3 (57:15):
Yeah, you were right.

Speaker 5 (57:16):
I would have won. I don't know if I had
money to bet, I would have won the movie No Moonstruck. Yeah,
snap out of It, Snap of it.

Speaker 3 (57:26):
No, that's not it. You gotta do snap it was
s c h in there.

Speaker 2 (57:30):
Snap out out of It.

Speaker 5 (57:32):
I'm sure.

Speaker 3 (57:32):
Snap of it.

Speaker 2 (57:37):
That was one of the number one hits.

Speaker 5 (57:39):
Yes, that's my favorite share song.

Speaker 3 (57:41):
I think it's my I think it might be mine too.
I liked half Bread even.

Speaker 5 (57:44):
Though that sys tramps and thieves.

Speaker 3 (57:46):
That's what it was. Gypsy's tramps and tramp is a
good word.

Speaker 2 (57:52):
You're listening to the Home Along Radio show. For that
mortgage guy, Don, We're gonna take a quick break, come
back for the first final segment of twenty twenty.

Speaker 1 (58:02):
Do you have a question for that mortgage guide? Don
text us at seven seven zero three one. Now back
to Home Loans Radio on real Radio.

Speaker 5 (58:11):
Thank you very much, Dan Stone. That is correct. You
are listening to Home Loans Radio.

Speaker 4 (58:16):
The best Saturday radio show, and if you have any questions,
about owning a home.

Speaker 5 (58:22):
YadA, YadA, YadA.

Speaker 4 (58:23):
Text it in seven seven zero three one, or because
we're out of time, just follow Don on Instagram at
that mortgage guy done.

Speaker 2 (58:30):
There you go, Welcome back to the Home Loans radio show.
You got you got something there, MJ just real quick.

Speaker 3 (58:36):
Yeah, a couple things, Uh Bree says, why don't you
give out Donnie's for the best Instagram poster comment that
mortgage guy, Don, you can give out the Donnies.

Speaker 2 (58:44):
I like the ideas are flowing playing.

Speaker 3 (58:48):
Name the Instagram followers the keys because Don gets keys
from people and houses. How about the ap argonauts?

Speaker 5 (58:56):
Oh? I like that very Greek.

Speaker 3 (58:58):
Mm hmm. If not low shark mortgage geek and associates,
that's more on target. I guess where the associates.

Speaker 5 (59:04):
All right, I'm the geek, Thank you very much.

Speaker 2 (59:10):
Wait, wait a minute.

Speaker 3 (59:11):
And Jason Mortgage, circling back to carry On is that
the name of the movie, Yes, and saying that the
trailer was so unbelievable as a person who works for
the TSA could not.

Speaker 2 (59:23):
Watch it, Oh my gosh, I can't even. I bet
people that work for the TSA their minds.

Speaker 4 (59:29):
Stream the whole time he leaves his post every couple
of seconds. Every second he just keeps shutting down. T
s a get it, get out of here.

Speaker 3 (59:37):
Yeah, there you go. This is why we can't have
nice things. Well, movies like that get made people watch them.

Speaker 5 (59:45):
I'm gonna go and hate watch it again.

Speaker 2 (59:49):
I gotta do a little bit on my my ongoing
theme of a I.

Speaker 5 (59:53):
Watch slash big robots are gonna.

Speaker 2 (59:57):
Take robots taken over kind of thing that Meta deletes
its AI profiles for now. Did you know that Meta
had AI profiles that it had seeded on Instagram? Yeh?
And Facebook for quite a few months now. They finally
h the AI was coming from inside Meta on Facebook

(01:00:17):
with AI generated.

Speaker 3 (01:00:18):
Profiles from inside the house yeaheah.

Speaker 2 (01:00:21):
And they're saying that they deleted their creations yesterday after
users have been roasting the bots for their weirdo posts.

Speaker 3 (01:00:28):
I could only imagine.

Speaker 2 (01:00:29):
Yeah, they've been you know the ones when you see
them instantly, But they think The Meta spokesman says that
they they removed them because there was a bug that
prevented users from blocking them. So that's helpful, but it
also says I think that's a big future for AI
bots on there to actually talk interact with people. I
don't know about all that.

Speaker 3 (01:00:49):
Oh, there's a whole thing that you know, you get
an AI friend, you have a friend.

Speaker 2 (01:00:52):
Right, I mean I've seen guys who have pillows for friends.

Speaker 3 (01:00:54):
But I'm not, well, now they're going to pay I pillows.
A pillow is gonna say it.

Speaker 2 (01:01:01):
And there was one other another big piece was this
is so if you're trusting your big you know, the
big tech companies, maybe you shouldn't. But there was another
big verdict lawsuit I think it was ninety five million
Apple got hit with, which was a suit because Siri
was listening to people even though I were listening, Hey Siri,

(01:01:22):
and yeah, they awarded ninety five millions. So I don't know.
I don't know how I wasn't part of that.

Speaker 5 (01:01:28):
I don't get it either, because that should be in
the billions.

Speaker 2 (01:01:31):
Yeah, it should be in the billions, and everybody should
get a dollar.

Speaker 3 (01:01:34):
And also duh, of course listening. How can she not
be listening. She has to listen for you to say, SIRIU, well, it's.

Speaker 2 (01:01:41):
Not supposed to activate unless you say those two words.

Speaker 3 (01:01:43):
Listening for the words.

Speaker 2 (01:01:44):
I know it so listening, I know that it's fake.
I mean, I know it listens all the time because
my phone listens all the time. I had a conversation
about woodpeckers and cat litter with somebody, and like within
twenty four hours I had ads for for woodpeckers and
cat and I don't have a woodpecker or a cat.

Speaker 5 (01:02:01):
It'd be really funny if it was woodpecker cat litter,
cat litter for your woodpecker. This is what you want, right,
this is what you want. Yeah, it's a niche.

Speaker 3 (01:02:10):
It's a real niche.

Speaker 2 (01:02:11):
It's a cat cat litter made from woodpecker shavings they collected,
you know, at the bottom of the tree.

Speaker 5 (01:02:17):
Oh boy, wow, that's a big business.

Speaker 3 (01:02:19):
That's tough.

Speaker 2 (01:02:20):
There you go. You're welcome. And guess what time it is?

Speaker 3 (01:02:23):
Well, is it time?

Speaker 2 (01:02:24):
It's time for the speed round?

Speaker 3 (01:02:26):
All right, we do have one mortgage Hunters Mortgage us.

Speaker 2 (01:02:30):
All right, you're we're going to do the speed round it.
That's when you get some questions. Yes, yes you are.
I'm gonna get We're gonna get try and get to
all the questions that we hadn't answered yet that you
texted into seven seven zero three one. If we don't
get to yours. It doesn't mean I didn't want to.
Just go to the website, copy paste it into the
box there that says chat with Donn and I'll answer
it after the show.

Speaker 3 (01:02:50):
All right, Well, here you go. Somebody who obviously doesn't
really listen to the show said, we're interested in helock.
Is that something you do?

Speaker 2 (01:02:56):
We do helocks? Yes, they might have just tuned in.

Speaker 4 (01:02:59):
Yeah, we we do.

Speaker 2 (01:03:02):
Not everybody sits there from nine to ten thirty like us,
but yeah, we do helocks. We have about a dozen
different types, varieties, iterations, draw terms, fixed rates, flexible rates,
floating rates, all that. Yeah, reach out. The easiest way
to get a quote is to go to the website,
fill out the REFI application at that mortgage guy. Don

(01:03:23):
just tell us it's for a helock and we'll send
you over quote. You can tell us if you like it.
There's no credit poll, there's no fuss.

Speaker 3 (01:03:28):
All right, this is just my question. This is not
a question that was sent in, but the world needs
to know. When do you file your homestead exemption?

Speaker 2 (01:03:35):
Oh yeah, I was supposed to talk about that today.
Good catch em. Jay, You file that now you go
to if you bought a house anytime in twenty twenty four,
you have to go and do a second step. Now,
now it's January or February, that's all you got. At
the end of February, you're done. You have to go
to the county and file your homestead exemption. It gets
you a discount on your property taxes. I'll be sending

(01:03:55):
out notices to everybody that bought a home from me
last year. But if you didn't buy it from me,
and you bought it somewhere else or buy it with me,
then you need to go to the county property Appraiser's
website for your county and fill up the forums for
homestead exemption. There.

Speaker 3 (01:04:10):
Yeah, it's easy, and it's only on your primary residence.
That's true, and you get it's just it's like free money.

Speaker 2 (01:04:16):
There you go.

Speaker 3 (01:04:16):
Yeah, to do it.

Speaker 2 (01:04:17):
When that tax bill comes out in November, your Texas
will be about fifteen to twenty percent lower.

Speaker 3 (01:04:22):
There you go. Can I have more than one he
lock loan? That's a good question.

Speaker 5 (01:04:26):
That's a good question.

Speaker 2 (01:04:26):
Technically you can. You can have more than one, but
usually not more than two. He locks are fine with
being in the first position on a mortgage or the
second position. But nobody wants to be in the third position.
So if you didn't like if you had two loans, though,
and you wanted to do another one, you could. We
would just consolidate and go down to one loan or
two loans.

Speaker 3 (01:04:47):
What is the maximum FAHA loan you can get?

Speaker 2 (01:04:50):
That's just changed. Let me see if I got it right.
That just changed January first. I believe it's five hundred
and twenty five thousand, two hundred and twenty five dollars.
If I'm not mistaken. No, five twenty four I got
written down here. Five twenty four to twenty five. That's the
new FHA maximum. Not every county, it's different county by county,
but I'd say eighty percent of the counties in Florida,

(01:05:10):
including Orange, Seminole, Osceola, the limit is five twenty four
two twenty five. Some counties, like down in the Keys
Over near Naples, down in Miami, some of them have
higher limits because housing prices are higher there.

Speaker 3 (01:05:22):
And if you don't get an FAH loan, then what
kind of you just you have to get a different
kind of loan.

Speaker 2 (01:05:26):
Oh, there's yeah, you get a conventional loan. They go
up to eight hundred and six thousand. You can get
a VA loan, a USD A loan, or we can
you know, or a conventional non conforming loan.

Speaker 3 (01:05:36):
Finally, what credit and income are required for a reverse mortgage?
What you gotta have for that reverse mortgage? I know
you've got to be a certain age sixty yeah, four, you've.

Speaker 2 (01:05:46):
Got to be sixty two, But there's there's some that
go down as low as fifty five. If one of
the people is sixty two, you can have the other
person down to fifty five. But you don't really have
to have a credit score. A minimum credit score. The
one thing they do look at to see if you've
been paying your your mortgage and taxes and insurance on time.
And even if you haven't, there there's there's probably a
way to do it, but there's not really a minimum

(01:06:08):
you know. Simple way to find out go to the website,
fill out the reverse mortgage sheet, and then we'll go
from there.

Speaker 3 (01:06:13):
The more you take out, the bigger it gets.

Speaker 2 (01:06:15):
What is it riddle time, The more you take out.

Speaker 3 (01:06:21):
The bigger it gets, the bigger it gets.

Speaker 2 (01:06:24):
A hole in the ground.

Speaker 3 (01:06:27):
Pink a pit.

Speaker 2 (01:06:30):
Starting off the year, maybe we should keep score.

Speaker 3 (01:06:32):
Oh oh, like Fritz on the street.

Speaker 2 (01:06:35):
Yeah, we'll keep a little score.

Speaker 3 (01:06:36):
I don't know. It's just the two of you.

Speaker 2 (01:06:37):
Yeah, I know.

Speaker 3 (01:06:38):
And Fritz gets almost all of them right, So.

Speaker 2 (01:06:41):
You're saying this is bad for my.

Speaker 3 (01:06:43):
Own it's good and then you know, Fritz really gets
competitive about it. Yeah.

Speaker 2 (01:06:48):
Well, folks, you did it.

Speaker 5 (01:06:49):
I will kill you if you beat me.

Speaker 2 (01:06:54):
Well, folks, you did it. You successfully wiled away another
ninety minutes and your Saturday morning listening to us in
our Inaugura New Year's twenty twenty five No Jive edition,
Play us out of here, Fritz with us, So thankful
for the blues by Florida Slang.

Speaker 3 (01:07:07):
And Happy birthday to our Fritz.

Speaker 2 (01:07:09):
Love your mama, my good less all of those things
in my.

Speaker 4 (01:07:19):
Life, merchant.

Speaker 1 (01:07:26):
So dang, you've been listening to Home Loans Radio with
that mortgage guide. Don join us every Saturday at nine
am on Real Radio one oh four point one and
check us out online at home Loans Radio dot com.