Home Loans Radio 06.21.2025 with That Mortgage Guy Don- Vote for us at Orlando Weekly- Best local Financial institution and best radio Voice

Home Loans Radio 06.21.2025 with That Mortgage Guy Don- Vote for us at Orlando Weekly- Best local Financial institution and best radio Voice

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, good morning,
and welcome to the Home Loans Radio Show with that
mortgage guy Don. I'm here. We're doing it. We're doing
what we do every single Saturday morning right here with
my crew. Good morning, up day.

Speaker 3 (00:27):
Good morning.

Speaker 2 (00:28):
What's what's the happen?

Speaker 3 (00:29):
Well, the solstice is a happ that's true, it happened.

Speaker 2 (00:33):
How are you on this fine summer solstice day, mister Fritz?

Speaker 4 (00:37):
What it does it?

Speaker 2 (00:38):
Oh boy, welcome back. That's right, that's what's that meeting? Jay?
What's the summer solstice? Solstice mean to you?

Speaker 3 (00:45):
I don't know what it means except it's hot.

Speaker 2 (00:48):
It's because it's the longest day of the year. It's
a lot and in Florida that means we.

Speaker 3 (00:54):
Got a heat wave too.

Speaker 2 (00:55):
Yeah.

Speaker 3 (00:55):
Oh yeah, that's good, so too heat wave.

Speaker 4 (00:59):
You don't know one who's.

Speaker 1 (01:00):
That by he wave?

Speaker 2 (01:06):
MJ was singing it and I recognized that after you
started seeing it.

Speaker 5 (01:11):
Was a composition by Holland Dozer Holland. They were a
Motown trio.

Speaker 2 (01:15):
Oh wow.

Speaker 4 (01:16):
The songwriters.

Speaker 2 (01:17):
There's a trivia B side.

Speaker 3 (01:19):
That's a song that begs to be redone right, really
does well some hard hardcore way today.

Speaker 2 (01:27):
Someone's very quick. I was reading yesterday. I said something
like thirty five million people in the country will be
experiencing temperatures above one hundred today, next, next few days. Yeah, oh,
and then I don't know, something like one hundred million
people would be over ninety five. It's going to be hot.
That's going to be hot. But that's what we do.
That's what we do here.

Speaker 5 (01:48):
Yeah, hot, hot, Hot by the cure. All right, all right,
that's all I can legally play. Thanks a lot, FCC.

Speaker 2 (02:02):
Welcome to the Home Loans Radio show right here. Do
what we do?

Speaker 3 (02:06):
Yep, yep, yep. Talking about the mortgages.

Speaker 2 (02:08):
Talking about is that what we talk about?

Speaker 3 (02:11):
What else would you want to talk about me? I
need to read these notes. It's just all the people
want to know about. That's what everyone's talking to. It's
on everyone's lips everywhere you go. Mortgages, mortgages, mortgages.

Speaker 2 (02:23):
That's right. And today you're lucky because I am a
mortgage expert. If you're new here, this is how it
works here it goes. I'm a mortgage expert. Every Saturday,
we get on here and answer questions about mortgages, real estate,
home loans, business loans, all that kind of stuff, and
a whole bunch of other stuff comes up and we
have a good time. Join us by texting the show
at seven seven zero three one. And you know, if

(02:44):
you don't want to talk about mortgages, offer something better,
text it into Mjay and it'll be entered into our consideration.

Speaker 3 (02:51):
Tell me if you have any tools to keep cool,
anything you're doing out there to keep cool?

Speaker 2 (02:55):
Keep cool?

Speaker 3 (02:56):
Yeah, all right, drop an ice down your pants.

Speaker 2 (02:59):
Like staying home and a fan. My my coolest trick
is staying in the air condition.

Speaker 3 (03:04):
Well, there you go. That's a good that's a useful hack.

Speaker 2 (03:07):
Although the AC went out at work this week for
a few hours. That's miserable.

Speaker 3 (03:12):
Wow, here's someone who said, it is sixty seven here
in Minnesota.

Speaker 4 (03:15):
Oh you get out of here, slash give us that weather.

Speaker 2 (03:20):
It's like a it's like a brag.

Speaker 3 (03:22):
But also you're in Minnesota.

Speaker 2 (03:25):
You're in Minnesota, Yeah, I mean.

Speaker 4 (03:27):
And it's also the start of what season.

Speaker 2 (03:31):
Hurricane season Now.

Speaker 4 (03:32):
It's such with an s ends with an e R.

Speaker 2 (03:35):
Summer summer rettal time, you nailed it. Yeah, it's the
start of summer officially, but I feel like we've been
summering for about three months now here.

Speaker 5 (03:45):
I just want to play all the songs with hot
in the title, right.

Speaker 2 (03:48):
Right, Summer Summer is weird in the Midwest. Hot, Yeah,
summer is kind of I'm weird in the Midwest, you know.
I used to live in Wisconsin for a few years.

Speaker 3 (03:58):
Never I don't know that I've ever been there.

Speaker 2 (03:59):
It's it's like definitely a season there like that, you know, oh,
like in Chicago. Yeah, like when you're going to go
to the lake to swim, there's only two and a
half months where you go to the lake to swim,
you know. The rest of the time it's too cold.

Speaker 3 (04:11):
Like in Chicago. Everybody puts on their summer dresses and
there's summer everything, and they're just like summer, summer, summer.

Speaker 2 (04:17):
I used to live in a near a place. It's
actually I was stationed up there in the military and
Fort McCoy, Wisconsin. But it's near a town called Toma
and Sparta, and they had a lake there called Squall Lake,
and every day it was like a three months of
the year where there would be a thousand of the
palest people you've ever seen. And I don't mean just
white people. I mean even even people of color would

(04:39):
get pale up there. They had still go to the
lake Wisconsant, but it was like an event happening there.
Everybody go to the lake and swim around like it
was a beach, and then they'd go home completely sunburned. Right,
I thought was kind of funny, having come from Florida.

Speaker 5 (04:54):
But absolutely, you know what else is funny? Van Halen's
hot for teacher?

Speaker 3 (04:58):
That's right, that's right now?

Speaker 2 (05:00):
Is that weather related?

Speaker 3 (05:01):
It's hot? I mean it's hot.

Speaker 2 (05:04):
The teacher's not helping. Is that the problem?

Speaker 3 (05:09):
They don't get paid enough teachers hot enough. It's already hot,
being so hot. Here's someone reminding us of Linda Ronstadt
had a song heat Wave.

Speaker 4 (05:18):
She's hot.

Speaker 3 (05:19):
Oh yeah, hot, still a baby. It's that guy.

Speaker 2 (05:26):
We got a theme. We got a theme building here.
We don't even plan it. That's how it goes here
on the Home Loans Radio done seven seven zero three one.
Tell us what you're doing.

Speaker 3 (05:37):
I feel like that is not what that means.

Speaker 2 (05:39):
Rich is gonna play all your favorite heat related songs
today right here on Real Radio one or four point one.

Speaker 3 (05:44):
If it's a song about being hot, let us know.

Speaker 2 (05:46):
There you go.

Speaker 3 (05:47):
Yeah, hot child, Summer in the City. Yeah yeah, Child
in the City.

Speaker 2 (05:53):
Yeah, I like it. Now they're all popping in my head.
We're gonna get nowhere today.

Speaker 3 (05:59):
But that's so, that's okay, that's right, that's okay.

Speaker 2 (06:02):
Texting your questions at seven seven zero three one. Join
the party. Tell us what you're doing out there. Tell
us what you're doing on this fine Saturday. I know
what I'm doing on this fine Saturday tonight. I got
a date. Oh, I got a date with Fritz. It
is a hot date. Yeah, a date with Fritz. I

(06:22):
got a date with sab Rangoon also known as Sabrina
Ombra to those of you who aren't in the know.
I got a date with Luscious Lisa. That's right. We're
going to be at Toughie's Music Box tonight for the
big show. Tickets still available, right jee oh yeah yeah.
It's a big place. You gotta fill it up.

Speaker 3 (06:40):
Will you be outside or inside?

Speaker 4 (06:42):
We will be inside. What it's like outside right.

Speaker 2 (06:45):
Yeah, yeah, but that's gonna be fun. Time doors at eight,
Get your tickets, a toughies, come see a fun show.
It's going to be a blast.

Speaker 4 (06:54):
It's a rainbow riot there it is.

Speaker 3 (06:56):
I'm looking forward to it.

Speaker 2 (06:57):
Yeah. And there's kind of like a a market of
some sort before the door's open. Is that is that accurate?

Speaker 5 (07:03):
Yeah, they're gonna have there's vendors, a whole bunch of stuff.

Speaker 4 (07:08):
All right, fun for the whole family.

Speaker 2 (07:10):
Yeah, all right, be there.

Speaker 3 (07:11):
Don't be square, okay, yeah, be who you are.

Speaker 2 (07:16):
I'm square. I'm going to be there. I mean, I'm
gonna I don't need to be the token square person.

Speaker 3 (07:21):
You don't want to be the only one. There'll be others.

Speaker 2 (07:24):
Oh, I'm sure. Well, but that's going to be fun.
I'm looking forward to that. So I know what I'm
doing today. What are you doing? Well? Right now, you're
listening to the most talked about, the most listened to,
the most happy, joyous, fun live show.

Speaker 3 (07:37):
So nominated for something right here on Real Rado.

Speaker 2 (07:40):
Yeah, we're we're The show itself is a well, we've
been nominated a couple of different things right now, though,
I will since you mentioned it, and I'll ask I'll
do my plea for for assistance if you can, if
you will, if you'd be so kind, go to my
Instagram at that mortgage guy don and right there in
the bio you can click and vote for us. We

(08:00):
were nominated by The Orlando Weekly for the best local
financial Institution.

Speaker 3 (08:04):
Oh boy, falls right.

Speaker 2 (08:06):
Into my saying. I'm trying to make fly which is
mortgage local. Yeah, everybody, everybody says, you know, you gotta
eat local, you gotta shop local. Well, I'm a small
Orlando based business, you know, mortgage.

Speaker 3 (08:18):
Local, mortgage local. You go, that's right, that's right.

Speaker 2 (08:21):
But today text end of the show seven seven zero
three one, while we whilst we entertain you like you've
never been entertained before. Entertainment is so huge.

Speaker 3 (08:30):
That's probably true, Probably not the way you have been enterchained.

Speaker 2 (08:34):
Ah yeah, well what you got there? I'm sure you
got some stuff. I can see it on the board.

Speaker 3 (08:38):
We have quite a few questions coming in. Here's one.
How can I use a he lock to build an
a du? What's an adu? Do?

Speaker 2 (08:45):
Do? You don't know what to do?

Speaker 3 (08:46):
They do? I do so?

Speaker 2 (08:51):
An adu? Is they love? They love?

Speaker 3 (08:54):
We love our adult dwelling unit. Oh, additional dwelling unit.

Speaker 2 (08:59):
Okay, that's what it is.

Speaker 3 (09:01):
Additional really all right, it's.

Speaker 2 (09:03):
An ADU, an additional accessory. They call it accessory dwelling units.

Speaker 3 (09:08):
I love accessory.

Speaker 2 (09:09):
Most most commonly called like a what are they called
mother in law cottage or a mother in law suite
or something like that. Yeah, that's an ADU.

Speaker 3 (09:18):
But for these these days, most of the time it's
used for Airbnb purposes or is it.

Speaker 2 (09:23):
No, I'd say probably most used for a family members
in what I see when people are buying them. But yeah,
if you have if you buy a property that has one,
you can rent it out. I don't know that it'd
be profitable to build one to then rent out. I
mean maybe over time.

Speaker 3 (09:39):
I have a friend who did that in Atlanta.

Speaker 2 (09:40):
Oh yeah, and they built like an extra cottage.

Speaker 3 (09:43):
They built a little college cottage. Yeah, at the back
of a little cottage at the back of their property.
And it's adorable. It's like a little tiny house.

Speaker 2 (09:50):
You're built an additional college at the back of the property.
It's making me a mint. Yeah, an accessory dwelling unit.
And so what was the quest? Can I use a
healock to do it.

Speaker 3 (10:01):
Yeah, I have a contractor and architects and architect blueprints
and they're ready to build, but we're looking to take
out one hundred k to do it. Any pitfalls to
building an ADU or to financing the building of an
a du any pitfalls.

Speaker 2 (10:15):
Well, I mean as far as you are down the
road where you've already got a builder in an architect,
I think you've probably uncovered any pitfalls such as zoning
issues or property issues, or permits or sink calls. No,
I wouldn't. I don't think sink calls is one of
the checklists that I usually have.

Speaker 3 (10:32):
Well, you don't.

Speaker 2 (10:33):
It's either a surprise or you already know about it.
So no, that's not normally a thing. But yeah, no,
Helock is an excellent vehicle for that. You know. It
just depends on what your first mortgage is if you
have one, and what your equity is. If you don't
have a first mortgage, I probably would recommend more towards
a first mortgage to take the cash out. If you
do have a first mortgage that has a really good rate,
then I would recommend probably a heatlock, or if you

(10:55):
want to just keep the project separate. But as far
as pitfalls, you do want to do your research on
whether to make it a separate address or not, because
your tenant may need slash want a separate address. It
also depends on whether you have installed a separate power
meter as to how you can rent the property. If
it's on your power meter, as you can see, that

(11:16):
could be you know, let's say you're yeah, your person
in the ADU keeps it fifty two degrees, you know,
all the time, so that could go on your electric bills.
So those are the things I would take in mind,
is whether it's a separate address, how that affects you,
whether it's separate power, water meters, that kind of stuff.
It costs a lot more to do it that way,
but it ends up saving you money, so that those
kind of things are definitely what you want to look into.

Speaker 3 (11:39):
Does it work for property taxes? Does it get taxed
itself or is it part of your property?

Speaker 2 (11:44):
No, it would be it depends on the zoning, but
it would be most likely taxed as one parcel if
both are on the same parcel.

Speaker 3 (11:52):
Oh, I see, And the other rule is.

Speaker 2 (11:53):
It can't be more than a certain percentage of the
size of your house, because if you do two properties
the same, then it's not an ADU anymore. It's a
it's a duplex and you have two properties on there,
you know, that are the same. So normally an ADU
is expected to be maybe fifty to sixty percent of
the size of your main house or less. And then

(12:14):
what was your question was on the taxes?

Speaker 3 (12:15):
Yeah, does it text by itself then or is it
all together?

Speaker 2 (12:19):
It would be all together because your property taxes are
based on the assessed value of the parcel. So if
you build more stuff on it, then it's going to
be assessed for more. I see, yeah, it's gonna so, yeah,
your taxes will probably go up if it gets reassessed.
Great question. That's how you do it? Text yours into
seven seven zero three to one. We're going to take
a quick break for the following messages. Hey, hey, hey,

(12:41):
it's that mortgage guy. Don June is here, and so
are the summertime thunderstorms, high heat, and hurricanes. Get your
home ready for all the summertime fun. My home is
already feeling cool and quiet thanks to my impact resistant
windows for renewal by Anderson. These are by far the
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(13:03):
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(13:25):
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Get all the details today at the website Best Windows
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number CGC one five two seven sixty one three.

Speaker 3 (13:46):
Hey, it's jeffor Roberts.

Speaker 5 (13:48):
Did you have a question for that mortgage guy Don
Text him now at seven seven zero free one.

Speaker 4 (13:54):
Now back to Home Loans Radio on Real Radio.

Speaker 3 (13:59):
That's right, you are listening to Home Loans Radio, we
pull back the curtain on all things mortgage. Shaw, what's
going on back there, skirt, don't worry. We have permission. Yeah,
we've been given consent.

Speaker 2 (14:13):
Who did you get consent from mortgage mortgage? Yeah, well done, MJ.
Let's run that by illegal one more time, you know,
just to be sure. Wow, welcome back. You're listening to
the Home Loans Radio show with that mortgage guy. Don
I'm here with them Jay and the Fritzman. We're doing
what we do today. It's gonna be today is gonna

(14:36):
be I think thunderstormy?

Speaker 3 (14:38):
Oh is it?

Speaker 2 (14:38):
But then then it's gonna get hot, all right? First
day of summer.

Speaker 3 (14:43):
Well yeah, it's.

Speaker 2 (14:44):
Kind of yeah. I mean, I feel like we've been
summering since April and it's.

Speaker 3 (14:48):
Gonna get the summer. This summer is just gonna get
intense heat wise. It's just it's hot already, it's gonna
get hotter. It's gonna stay hot. It's hot.

Speaker 2 (14:56):
Well, they're just hot. You know. My summertime planning in
general is stay be intentional about my outside time or
also just stay inside as much as possible. But yeah,
it's going to be brutal. I always feel for the
people that, you know, like I stay inside because I
have an office job, you know, I have the mortgages.

(15:16):
I'm lucky that's an office job. But I always feel
for the people that are out in it. Man on
the roofs, and I did roofing in my early years
before the military here in Florida. It is the worst
job ever. But man, did I have a good tan?

Speaker 3 (15:31):
Oh my goodness.

Speaker 2 (15:32):
Oh man, I was like a little little tan, little tan.
That was before, you.

Speaker 3 (15:36):
Know, before everyone knew that was not a Yeah, apparently
people just slathered baby oil and roasted in the sun.

Speaker 2 (15:44):
Yeah, you go to work as a roofer, take your
shirt off, work in the sun all day. But you'd
wear jeans still, you know, So it was a weird tan.

Speaker 3 (15:53):
My knees are alabasto, yeah, but my shoulders are chestnutked.

Speaker 2 (15:57):
That's why you had to wear a bathing costume to
You're listening to the Home Loans radio show with that
mortgage guide don where you can text in your questions
to seven seven zero three one. What that's right, we're live.
We're here all day on the summer solstice, not all day.
I'm making that up. We're here till ten thirty, but
you got time. Get busy. Text into seven seven zero

(16:18):
three one. Join the conversation, old Darcia, I would be
here all day.

Speaker 4 (16:21):
Well what you told me?

Speaker 2 (16:25):
I know, I know.

Speaker 4 (16:26):
I'll give you a changing it on the air. Really cool.
Thank you.

Speaker 2 (16:29):
You're there till midnight, Fritz. That's the rules. Them's the rules.

Speaker 3 (16:32):
Oh wait, you gotta get ready for your big show.

Speaker 2 (16:35):
That's right tonight Toughie's Music Box eight pm. Be there
or B Square.

Speaker 3 (16:39):
Get your rider all turned in, get your eminem sorted
all the things.

Speaker 4 (16:43):
Yep, that's by the way, all right, I'm just playing music.

Speaker 3 (16:48):
I'm sorry, let's hear it.

Speaker 5 (16:51):
That's all I can play.

Speaker 2 (16:54):
Yes, Lustious Lisa is a twenty one and up show
and mature themes in the music.

Speaker 3 (17:00):
It's good though, it's good fun.

Speaker 2 (17:02):
It's going to be a blast good.

Speaker 3 (17:03):
I love it.

Speaker 2 (17:04):
What do you got, m Jay?

Speaker 3 (17:05):
Yeah? Can you speak a little bit about the advantage
and disadvantage of bi weekly payments on your mortgage? Obviously
I know it pays it down, but are there any
other issues? This thing that comes up a lot that
you change your mortgage plan to every other week instead
of every month, and that advantages that eventually you pay
a little more on your mortgage.

Speaker 2 (17:23):
It's true, it does work. Bi weekly programs do work.
I mean, I reckon there's a better way. There's a
better way to make more progress, more progress on your mortgage.
But let me explain what they mean by the bi
weekly thing. So normally, you make your mortgage payment every month.
Most mortgages are due on the first of the month.
If you haven't paid it by the thirty of them
of the month, you're late. You're going to get a
bad mark on your credit. But if and so it

(17:46):
pays it down at the click of twelve payments per
year or one per month when you do the bi
weekly thing, because there's twenty six periods of two weeks
in a year. So if you pay half of your
mortgage payment every two weeks. You have to set this up.
You can't just do it. You got to set it
up either with your servicer or there are companies that
do it and make money.

Speaker 3 (18:06):
They make money.

Speaker 2 (18:07):
Yeah, so avoid that. You want to try and set
it up with your servicer and not with a third party.
But the idea is that you make a payment every
two weeks, So you've made twenty six payments at the
end twenty six half payments at the end of the year.
So it's the equivalent of paying one extra payment per year.
That's all it does, but it keeps you organized and
if you know, some people say, I would never pay

(18:28):
an extra payment per year if it wasn't split up
into the bi weekly payments, so to speak, so it
could be very helpful. The trick though, is when you
make that extra payment you know you're making with bi weekly,
you're still splitting the difference between which part of your
payment goes to interest and which part goes to principle.
So when you met when you got a brand new
thirty year mortgage, but like ten percent of it is

(18:49):
going towards principle and the ninety percent is going towards interest,
and it's like a sliding scale, kind of like a seesaw.
Almost Eventually, when you get to around the fifteen sixteen
year mark, you're paying half principle and half interest every month,
and then when you get down to like five years left,
you're paying ninety percent principle every month and ten percent
of the interest. So it slides over time. So that's

(19:11):
the part you will pay it down faster by doing
bi weekly payments, but you're still splitting that extra payment
between the principle and a small percentage going to principle
and a large percentage going to interest. So what I
favor is a better way to do it if you
can be self disciplined enough, is that you make a
full extra payment yourself once a year, just specifically towards principle.

(19:32):
That way, none of it goes towards interest. And even
if you did the same amount of money as a
bi weekly payment costs you extra per year, you'll progress
seven times faster by putting that whole thing towards principle.
So if you're the kind of person that says I'll
never make an extra payment unless I set up to
bi weekly, then do it. It'll help you over time.
You'll shorten your mortgage by six or seven years over

(19:52):
a thirty year period. But if you do it the
other way and pay like two thousand dollars once a year,
let's say every year, when you get.

Speaker 3 (19:58):
Your tax rea tax return is what we yeah.

Speaker 2 (20:00):
A lot of people do it that way. I learned
that from people telling me that's how they do it
when they get their tax return. They apply half of
it or all of it or some of it directly
towards principle. And if you do that every year, then
you're going to progress much faster than the biweekly payment plan.
Great question, then, thanks for texting that into seven seven
zero three one. I get did we get that one
a lot? But I haven't gotten it. We haven't gotten

(20:21):
in a couple of months, three months or so, so
great question. Thanks for texting it in. That's how you
do it, seven seven zero three to one.

Speaker 3 (20:28):
Here's someone who says, Joe and DeLand airplane painting continues,
Oh that airplane. I guess it's like, you know, you
practice with model airplanes and then you get a real one, right,
it must be a lot of work.

Speaker 2 (20:39):
This is this Joe is building his own airplane. If
I'm not mistaken, which I said that, I would never
fly a plane that I built because I always have
extra parts, even if I build an Ikea shelf. But
I'm sure Joe is way more detailed than that. I'm excited.
I'd like to see some pictures. Send us a picture sometimes, Joe.
Once you got that thing finished.

Speaker 3 (20:59):
Fedexs Rick says, yes, it's pretty brutal out here working,
but at least there's a little coastal breeze here in Melbourne, right,
very nice.

Speaker 2 (21:05):
I was looking at the news last night. I was
kind of kind of amazed by that they're saying they're
going to be, you know, close to one hundred in
central Florida at least in nineties and the like eight
or nine degrees cold, cooler over on the coast because
they get that breeze, that ocean breeze.

Speaker 3 (21:22):
Our listener from Minnesota says, I cannot wait to get
back to Central Florida. It's sunny until ten thirty at night,
bowflies and mosquitos. I can't wait to be hot.

Speaker 2 (21:32):
It stays light till ten thirty at night in Minnesota.

Speaker 3 (21:35):
It's weird.

Speaker 2 (21:35):
Yeah, I guess that's pretty north. I didn't remember that part.
There you go, I'll tell you where it stays light.

Speaker 4 (21:41):
Where wait, hold on, let me make sure the dumb
button is working.

Speaker 2 (21:46):
Yeah, go ahead, the dumb button. I don't think i've
ever activated. Said.

Speaker 4 (21:52):
Yeah, well, there's the first time for.

Speaker 2 (21:53):
Every emergency rip cord. That's MJ. That's you got to
be on the lookout.

Speaker 4 (21:59):
Yes, he's just fine, all right, she's doing just.

Speaker 2 (22:03):
Hey, there you go. I forgot what I was gonna say,
someplace that somewhere like, oh, no, you've been to Alaska, Jeff,
Right were you there at the time of year when
it stays light like all night?

Speaker 4 (22:15):
Oh my god, yeah, I've got a great picture. It was, Uh,
I really I want to get this printed onto a canvas.
It was like a a.

Speaker 5 (22:27):
Like a pitched roof house right next to in the distance,
almost the exact same shape of the mountain, like they
did it almost on purpose. And it seems like it's twilight,
like six pm, maybe five pm, And it was taken
at two forty five in the morning. Nice and uh
it was rad yeah, around midnight. It seemed like it

(22:48):
was four thirty. And it messes with you, man, it
really first I was still at almost three in the morning.
I was like, did I go to bed at seven
in the morning or noon? I can't remember.

Speaker 2 (23:02):
You don't need to know. The farthest north I've been
was in Newfoundland and that was that was in the summertime,
like July, and that was it stayed late till late
till almost midnight, and the next morning was sunrising around
four point thirty in the morning. It's like, you know,
you wake up, you feel Why am I so incredibly tired?

(23:23):
It was still light when I went to bed and
now it's light again. But yeah, we don't have that
here in Fara. Just heat so far. I don't want
to drink it so far. In June, no hurricanes, they're saying,
if we do get through June, drink it. Yeah.

Speaker 3 (23:36):
That just means we're gonna have hurricanes in April.

Speaker 2 (23:38):
Right, every month on the twenty third from now on,
there'll be a hurricane. Prepare. Yeah, they're saying we don't
have one in June. That'll be some sort of record.
I don't know.

Speaker 3 (23:50):
Oh gosh, yeah, I'm hoping we don't have a June.

Speaker 2 (23:52):
No. Well, the other thing I read was that when
there is a lot of activity in the Pacific for hurricanes,
which your has been the last couple of weeks, then
that is always lower in the Atlantic. So I don't
know how it works.

Speaker 3 (24:03):
Well, I mean a bummer for them.

Speaker 2 (24:04):
But I'm not a meteorologist, but I am a mortgage guy.
So texting your questions about weather to MJ at seven
seven zero three, Yeah.

Speaker 3 (24:12):
Here's a question for a mortgage guy. Is now a
good time to refinance your home. I purchased a home
less than a year ago at seven percent.

Speaker 4 (24:19):
Congratulations, Yeah, congratulations on your house.

Speaker 3 (24:22):
Hope you're enjoying it.

Speaker 2 (24:23):
You're going to need to wait till you reach the
one year mark, you know, if you're going to take
any cash out or try and less than a year,
but it could be a good time you're at seven percent.
Depends on what type of loan you have. If you're
like in a VA or an FHA loan, you could
probably get I locked one end Wednesday Thursday Wednesday five
point seventy five on an FAHA refinance. So if you're

(24:45):
in an FHA, would probably make sense to look at that.
If you could get it down from seven to to
you know, in the fives, that's probably going to make
a good difference for you, depending on the loan size
of you know, two three hundred dollars a month in saving,
So it's definitely something to look at. If you're in
a conventional loan, those rates are still still in the
mid sixth range, so I don't know if dropping it
a half point would help you. It might if we're

(25:06):
also able to remove PMI. So really the best way
to find out is to go to the website that
mortgage guide don dot com, hit the apply now button.
There's a place where you can start a refinance application.
You can fill it all out. You don't have to
put your social in there. We're not gonna you know,
we're not gonna pull your credit or anything without talking
to you. But what I can do is put together
some numbers and put an exact digit on what you

(25:29):
can say per month, so after that I'll be able.
There's no obligation, there's no hard credit pull. I just
look it over and tell you, Okay, if we do this,
your new loan amount will be this, and you can
save two hundred and fifteen dollars a month, and then
you decide if it makes sense or not. But that's
the way for me to tell you for sure. There's
too many variables to kind of give an answer, because
I have people every day that come to me and
they asked me, is this the right time to refinance?

(25:50):
And then after the analysis, the answers now, not right now,
wait a while. But also we've got a you know,
twenty five refinances going for people that it does make
sense for right now, So it really depends on your
exact scenario. You're listening to the Home Loans Radio show
with that Mortgage Guide Don. We'll be right back after
these messages Loans Radio.

Speaker 3 (26:08):
Baby.

Speaker 5 (26:11):
If you're sitting on a fizzy drink, I salute you
a little too early for me.

Speaker 4 (26:16):
I got work to do, but why not. Maybe you
just got home. Maybe you got a long.

Speaker 5 (26:21):
Day ahead of you sitting by a pool at summer Baby,
you're listening to Home Loans Radio, go ahead and follow
Don on Instagram at that mortgage Guide Don. You can
always go to the website that Mortgage Guide Don dot com.

Speaker 2 (26:34):
That's right, and thanks for reminding me. Yeah, go to
the website at that mortgage Guide Don the instagram. The
Instagram's got a whole new look. If you haven't seen
it in a minute, go check it out at that
Mortgage Guide Don. And also one of the things that
I wanted to remind you about is we've been nominated
by The Orlando Weekly for Best Local Financial Institution. Very

(26:56):
exciting title. But you know, we are a local business.
You know, own the company. It's local. We're you know,
mortgage local. But please go to the website, go to
the instagram at that mortgage guy Don. Right in my
link tree, you'll see a link to give us a
vote and be so. I would be so grateful if
you've ever heard the show, it helped you anyway, you
know you worked with us in the past. Be I

(27:17):
mens and go and you know, throw us a vote
at the Instagram at that mortgage guy don. I appreciate it.
And if you're feeling extra generous, you can vote every day.
So yeah, we got like another I don't know ten fifteen,
I think it. I think it ends like July mid
July or something like that. But don't wait till then
go to day go the you know, pull over, pull

(27:39):
your carver at that mortgage guy down on Instagram, can
throw us a vote, and you know, help out a local,
a local mortgage company. I'm up against all these banks,
credit unions, local you know, like local big banks and
credit unions. I feel like a little tiny, little you know,
David and Goliath situation here. But you know this is
the sling. Do it help us at that morege guy,

(28:00):
don you know what I mean. Welcome back to the
Home Loans radio show. You're listening to us. You can
text in live to seven seven zero three. One. That's right.
We are here today, Summer Solstice, first day of summer.
We're here, longest day of the year. We're doing it,
longest day the way till tenth three, at least in
this hemisphere.

Speaker 3 (28:17):
Happy summer Soultist that mortgage team, Bri and Carry listening
from their tiny college. It's the World Music Day. So
great to start the show listening to Summertime by DJ Jazzy,
Jeff and the Fresh Prince. Oh wow, that's a throwback
right there. All right, thanks bre and Garrett into Barry
checking in. Thank you Garrett, and someone asking Fritz, where

(28:37):
are you now? We miss you with many friendly faces.

Speaker 2 (28:40):
Well, there's a story. I don't know what you want
to tell story, Fritz. Here you your story to tell.

Speaker 4 (28:45):
I'm still working, you know, working, just not not not
on the not on the news.

Speaker 3 (28:50):
Junkies right now?

Speaker 4 (28:51):
Yeah, yeah, but tonight, Yeah, go ahead down. That was
a hell of a segue.

Speaker 2 (28:54):
You are. I was going to do it, but I
want you to talk to you.

Speaker 4 (28:57):
You're the host.

Speaker 2 (29:00):
But tonight you can see Jeff at a show, a
live show. He's going to tell you all about it
right now.

Speaker 5 (29:06):
Yeah, So it's a toughies music Toughies Music Box in Sandford, Florida.
That's where we are, Florida and it's the Rainbow Riot.
My band Lustious Lisa will be playing alongside DJ sab
r Goon, Sabrina Ambra and local band Stiletto. Really great
lgbt q I A plus band, synthpop, rock, punk, really great,

(29:30):
electrifying stage presence.

Speaker 4 (29:32):
I love them. Can't can't say enough good about them,
but I will try. They're great.

Speaker 5 (29:38):
So come out tonight and yeah, we have a lot
of we have some covers that we're doing tonight that
we haven't done since twenty sixteen.

Speaker 2 (29:44):
Oh, any any teaser you want to put out there,
you just want people to have to come and find it.

Speaker 4 (29:49):
Just come on up and find out.

Speaker 5 (29:50):
We're gonna be playing from all of our albums and
it's it's gonna be a who and don't I mean,
everyone is invited, regardless of your under your views of
the world. We're just you know, we're gonna empower, empower
everyone and and uh take shots with.

Speaker 4 (30:06):
Them and have a good time.

Speaker 3 (30:08):
So humans, human, human, human beings. I will be there
wearing Stiletto's carrying crab rangoon. I love it. Is that appropriate?

Speaker 2 (30:18):
Yes, a little on the nose, but looking luscious and
changed your name to Lisa. There you go, uh m,
chase making jokes because Stiletto is the opening. Yeah, pluscious
Lisa is the closer. And then we got to sab
Rangoon there. Yeah, I'm looking forward to it. Doors at eight,
shows at nine gonna be fun. Now it's you don't

(30:41):
even have to pay for the ticket.

Speaker 3 (30:43):
Crazy.

Speaker 2 (30:44):
They've set it up so that it's free admission. You
can get a ticket online. When you go there to
check out to get a ticket, Yeah, you got to
get a ticket online. When you go there to check out,
it says nothing. Just come and have a good time.

Speaker 3 (30:54):
You so forward to it.

Speaker 2 (30:56):
That's gonna be fun. I'm looking forward to that.

Speaker 3 (30:58):
Here's the one's asking what is the difference between a
fixed rate mortgage and an adjustable rate mortgage and which
one would be more suitable for someone planning to stay
in their home for about fifteen years or at least fifteens.

Speaker 5 (31:08):
Yeah, don I can answer this, Okay, I give it
a correct. I'd just like to every now and then
do that.

Speaker 3 (31:16):
I mean, I can answer it. I think fixed right, Okay,
give it a correct. I think you want to fixed
rate mortgage.

Speaker 2 (31:21):
Yeah, yeah, I would say, why would you say that?

Speaker 3 (31:23):
Because you want to know what you're going to pay
and it can be you know, wildly ballts out there.

Speaker 2 (31:27):
It could be in general. So why I know, yeah,
worthy worthy answers.

Speaker 3 (31:34):
I'm just thinking about mice to let us.

Speaker 2 (31:38):
Your answer is correct. I mean, but hey, so an
adjust there's fixed rate mortgages which are fixed either for
ten years. We can actually do them for any number.
I can do it for thirteen years, I can do
it for seventeen years, so like it usually.

Speaker 3 (31:48):
It's thirty years or ten years or twenty years.

Speaker 2 (31:50):
Yeah. If you're doing a refinance, though, and you've only
got eighteen years left and you don't want to go
back to a thirty year, no problem. We can do
it as an eighteen year and just keep going where
you've been going from, you know. But the normal ones
are ten years, fifteen, twenty, twenty five, or thirty years,
And if you're going to be somewhere for fifteen years,
I probably wouldn't go with an adjustable rate. An adjustable

(32:11):
rate is one that is adjustable for the first fill
in the blank number of years. So they have three
year adjustables, five year adjustables seven, ten, but they don't
have anything about ten year adjustable. So what that means
is that let's say you do a five year adjustable
rate mortgage. It means that at some point at the
five year point that or even during the mortgage at

(32:32):
a certain point, depending on what kind you do, the
rate could adjust based on whatever index they have it
tied to. So if it's tied to the treasuries, if
it's tied to used to be tied Now it's tied
to the Coffee index. It used to be tied to
the Libor index. All that makes the coffee index. Yeah,
it's not spelled by coffee, it's cofi anyway, there's an

(32:52):
you don't need to know all that. But if the
whatever index it's tied to, if that index goes up,
it's like the prime let's just say it's similar to
the prime rate, and some are tied to the prime.
But if you you know, if so, if the FED
changes the prime rate and makes it higher, well then
your mortgage payment could go higher. But on the other side,
if the FED lower is the rate, your mortgage could
go lower. But I wouldn't do an adjustable rate mortgage

(33:15):
if you were going to be in the house more
than the term of the adjustment. Usually, you know, like
a three year If it's fixed for three years and
then becomes adjustable, you know, and you're planning on staying
in a house for three years, you might do an
adjustable mortgage. Why why would you do an adjustable mortgage. Well,
because the rate would be slightly lower from day one.
So like if the fixed rate mortgages six and a half,
the adjustable might be six and a quarter or something

(33:38):
like that, and then that rate is locked in for
a few years, but eventually it becomes adjustable. So the
risk on a fifteen year time if you're think you're
gonna live there for fifteen years at least of that
mortgage adjusting in a way that is not good for you,
is pretty high. So I wouldn't think that that's a
good vehicle. I would agree with m J. I would say,
definitely a fixed rate mortgage, and you could look at
a fifteen year if you wanted to have it paid

(33:59):
off in that time period, or you know, a twenty
or thirty or whatever you want to do. Here's what
it says that coreat I'm sorry, great question, Thanks for
texting that into seven seven zero three one. That's how
you do it.

Speaker 3 (34:09):
There you go someone it says, I currently have a helock,
but I want to refinance it and try to get
more money out of the house to pay down a
tax debt.

Speaker 2 (34:16):
Yeah, you can do that. That possible, you can if
you you know, it depends on the tax debt. But
like the minimum helock that we can do is fifty
thousand dollars, but that could include paying off your existing helock.
So if you know, if you owe forty on one
and you know you do a new one for fifty,
then then you'll get some additional equity. But yeah, that's
probably the best way to do it. It depends on

(34:37):
what your interest rate is.

Speaker 3 (34:38):
I have more information, DOMI I need to take out
an additional fifty thousand. Also, do I need to have
another appraisal done on the house.

Speaker 2 (34:45):
For that, you can take out another fifty thousand, But
you wouldn't be able to have three mortgages. You have
to you'd have to use the new helock to pay
off either, you know, the existing one that you have,
so kind of absorbing that into it, but doing it
larger to get the equity out and the equity that
you can take out. The maximum with US is up.
If you're really well qualified, you can get up to

(35:06):
ninety for five percent of the value of your home,
so you know that's that's if it's one hundred thousand dollars,
then you could take out up to ninety five. Ninety
is the kind of the normal that we see. And
of course as you take out more and more equity,
the interest rates can get higher because the bank considers
it a little more of a risky loan. But yeah,
I would definitely take a look at that. The way

(35:27):
to find out is real simple. You go the website
that mortgage guide don on a heelock. You just go
to refinance. We understand you may not want to refinance
your first mortgage. You know, we'll sort all that out.
You just fill in the info and the details and
then we can do the math. Do a soft credit report.
We always do a soft credit report on everything I do.
Initially when someone acquires, if they want to rate, soft

(35:47):
credit pull, if they want to get pre approved, soft
credit poll, if they want to whatever, it's a soft
credit poll, and then we give you the numbers and
then if you like it and we get everything going.
Then we'll go through the hard credit pooll and the
inquiry and all that stuff. But it costs me more
to do that. I end up paying. You know, when
I do a loan for a client, I end up
paying for credit twice because I do the soft credit
poll in the beginning and then the hard credit poll later.

(36:08):
But to me, it's worth it to protect people from
getting the points dinged in the hard inquiry. Why they're
just looking around trying to figure things out makes sense today,
I answer, I got I got on a tangent there.

Speaker 3 (36:19):
Yeah, and you answered about the appraisal.

Speaker 2 (36:20):
Yeah, yeah, the well, no, the appraisal is a definite maybe.
So we have about a dozen different Helock programs and
when we submit a loan to them, and most most
of that is done digitally, you know, it's like an
electronics submission. They will tell us during that process whether
they need an appraisal or not. So they're going to
kind of look at your property and if they say,

(36:40):
now we think we're good on the value, then they
might not need an appraisal. And often we'll go through
five or six or seven or eight of them till
we find the one that says, yeah, we don't need
an appraisal. That way, it's just easier first of all,
and it saves you a bunch of money and you
don't have to pay for you know, don't have to
pay for the appraiser. You don't have to wonder what
the value is going to come back at if they
accept a value. I'd say on helocks, it's an easily

(37:01):
fifty to fifty whether you need an appraisal or not
an appraisal or not or have to pay for an appraisal.

Speaker 3 (37:06):
I mean, it's so nice when if it comes back
and you don't because it's it's you know, it's kind
of stressful. Sure, Yeah, like somebody come and looking over
your stuff, looking over your house. It's like, yeah, they're.

Speaker 2 (37:15):
Going to go in your house and take a picture
of every room, which because there's an underwriter that's not
going to go to your house, so they need to
see pictures of everything and review what the house looks
like and all that. So they do the appraisal not
just to get the value, but also so the underwriter
can see the condition of the house and that kind
of thing. But great question, Thanks for texting that. In
A seven seven zero three one, We're going to take

(37:35):
a quick break for these messages.

Speaker 3 (37:40):
Hey, you are listening to Homelands Radio. That's Sabrina and
we can hear her later tonight.

Speaker 2 (37:47):
Well, her her ego.

Speaker 3 (37:48):
Her music style, Yes, yes, what is it?

Speaker 2 (37:52):
Crabrangog no sabrango?

Speaker 3 (37:54):
Yea delicious and is that just a DJ set or
we'll we'll, we'll, we'll we'll crab brangoon also singing a
little bit.

Speaker 5 (38:02):
I mean you know she's on several Luscious Lisa Songs track.
Oh yeah, she will also be best entertaining.

Speaker 2 (38:09):
All right, that's what she do?

Speaker 3 (38:11):
She do? She do she do?

Speaker 4 (38:14):
All right?

Speaker 2 (38:18):
Welcome back to the Home Loans Radio Shows, the show
about mortgages. You can go to the website That Mortgage
guy don dot com anytime during the week. Also check
us out on uh follow me on Instagram at that
Mortgage guy Don. You know, we started out like less
than a year ago. We had like eleventeen followers and
now we're up.

Speaker 3 (38:33):
To like eleven thousands.

Speaker 2 (38:35):
Yeah, we had eleven or maybe in the teens. Okay,
I guess eleven teen is good. Yeah, uh yeah, we're
up two thousands. And then while you're there, you can
also vote for us in the Orlando Weekly Best of
for the best local financial institution.

Speaker 3 (38:53):
Who rolls right off the time?

Speaker 2 (38:54):
I know, I know, I didn't even know about it.
They called me and said you've been nominated. I said, oh,
for what? It's the best local financial institutions?

Speaker 3 (39:02):
Like cool, cool, cool? This was my dream since I
was a young child.

Speaker 2 (39:10):
We've all voted, and you should be in an institution.

Speaker 3 (39:15):
Here's what I was asking, is hometown heroes coming back?

Speaker 2 (39:18):
Ah? That is the question, is it not? And last
three years it's come back on July first. But I've
actually looked at the website the Florida the Florida Housing
which is the entity that runs the Florida Bond program
and several of these fight down payment assistance programs, and
they still have the note up there that they put
up last week, which basically says it's not coming back

(39:40):
until the Florida budget is done because our legislative entities
have not resolved the final budget yet.

Speaker 3 (39:47):
I if it's in the budget, the budget's done, I
mean it's not voted, it's not approved.

Speaker 2 (39:52):
I read that there was a part of it that
was in the budget, but that the number had not
been determined. And then I also read that the budget
had been sent back to the governor. I don't know,
you know, who knows what's going to happen with all
of the all of that stuff above my pay grade clearly,
but the Florida Housing is being very careful to inform people.
It says on their website. Do not be misled by

(40:13):
third parties who do not know what they're talking about.

Speaker 3 (40:16):
Oh yeah, that sounds very professional.

Speaker 2 (40:18):
Yeah, they're saying the Florida budget has not been approved.
There is no Hometown Heroes money officially allotted. Please do
not be misled by third parties who do not know
what they're talking about. Florida Housing Finance Corporation will notice,
will issue a notice to all lenders confirming a rollout
date for Hometown Heroes and any changes being mailed to
the program in the interim. Please stop emailing and calling

(40:42):
and communicate this information with your real estate partners. Accordingly,
ignore anything you see on social media to the contrary. Yeah,
that's a tough statement, that's not It wasn't like gentle,
It was.

Speaker 3 (40:52):
Like, okay, knock it off.

Speaker 2 (40:55):
I saw it. I was like, this is something I
research every year, you know, in detail. I check on
the budget, I check on the things, I look it up,
and then on social media everywhere I was seeing people
like yay, Hometown Heroes is coming back to first I'm like, no,
it's not that this is fake news, but I think
it is going to come back. But well, the date
will be announced. So whatever you're seeing on social media,

(41:17):
they don't know what they're talking about. You want to
find out more, you go to the actual e housing
website for the state of Florida. It's called Florida Housing
Finance Corporation, and you can see the update there yourself
for Hometown Heroes.

Speaker 3 (41:30):
Oh, the question is what is the best first time
home buyer program right now?

Speaker 2 (41:34):
Well, I mean it depends on what you need help with,
because the first time home buyer program can help you
with a lot of things. They can help you with
if you have less than stellar credits, like a lot
of them will go down like an FHA is often
considered a first time home buyer program because it will
go down as low as five to eighty the credit
score in most cases, or even down as low as
five hundred if you have a down payment, like a

(41:55):
ten percent down payment of your own If you need
help with the down payment. Well, then there are what
we call or down payment assistance programs. The one that
I think is the best right now that we're using
quite a bit is one where you have to put
down only one percent on the purchase and the bank
United Wholesale Mortgage puts down the puts down another two

(42:16):
percent of the down payment as a grant, and you
don't have to pay it back up to seven thousand dollars.
So that's the one where we're using the most right now.
The only real requirement is too real requirements. You have
to qualify for a conventional loan, which means your score
has got to be above six forty most likely, and
you have to be below eighty percent of the median

(42:37):
income in your county, which means like Orange County, I
think the median incomes around one hundred thousand, so you
have to be making around eighty thousand or less to
qualify for that one. That one is income dependent, and
there are other all kinds of down payment assistance programs.
The way you find out with us is real simple.
You just go and apply for pre approval and as
a first time home buyer, we're gon we're going to

(42:57):
look at all the hometown, all of the uh. I
can't say the words. We're gonna look at all of
the down payment assistance programs that we have at our disposal,
and if you qualify for three of them, we're going
to tell you about those three and then we'll go
from there. So that's kind of the starting point. If
you want to get officially find out if you can
get down payment assistants, then you go to the website
that mortgage guy don dot com. You hit the apply

(43:18):
now for preapproval, and then we'll do the work. We'll
gather the documents and we'll let you know what you got.
All right, simple as that great question. Thanks for texting
that into seven seven zero three one, and as always
for listening us to us right here on Real Radio
on Saturday morning.

Speaker 3 (43:32):
Some of our favorite saying voted for you, Donning got
tickets for luscious Lisa Tonight.

Speaker 2 (43:36):
Nice. It's gonna be fun fun. I'm gonna say hi
to all the people. It's gonna be fun people. Hey people,
how you doing. I don't know why I just adopted that.

Speaker 3 (43:48):
Accent seemed appropriate.

Speaker 2 (43:50):
Join us in Sanford at Toughy. So we're gonna we're
gonna do the thing. It's gonna be fun.

Speaker 3 (43:54):
Hello, don my name is Katrina. I live in Okalla.

Speaker 2 (43:57):
Loved your hurricane.

Speaker 3 (44:00):
That must be rough man. Your name was Kadrine? Like,
where did they name you that? How old are you Kadrina?
I'm curious. Yeah, they name you after.

Speaker 2 (44:07):
That hurricane twenty years later? Right, the jokes keep coming.

Speaker 3 (44:11):
By the way, for listening, Yes, thank you. By the way,
love y'all Saturday morning radio show. I love y'all anyway,
love y'all's Saturday morning radio show. Life has happened, and
I have credit card debt that is overwhelming. I have
a home I owe eighty six thousand on and looks
to be valued around two forty. Wondering about a helock.

Speaker 2 (44:30):
There you go. I think, well, it's going to depend
on I mean, it certainly can be a good way
to wipe it out. Depending on how well qualified you are.
You probably have a rate on a helock somewhere between
five percent range and the ten eleven percent range. So
most credit card debt, if you're maxed out or getting
maxed out, you're probably going to be twenty nine, twenty eight,
thirty percent. So yeah, it definitely makes sense. To take

(44:52):
a look at the options. Simplest way, same as for
the preapproval. You go to the website that morning's got.
Don you hit the refinance application. We'll do a soft
credit check, just like we do for the for the
UH pre approval, and then we'll let you know what
you're what you're qualified for. Thanks for texting that into
seven seven zero three one. We're gonna take a quick break.
We'll be right back at the top of the hour.

Speaker 3 (45:32):
Hey hey, hey, hey, hey, hey hey.

Speaker 2 (45:36):
That's fire. That's firing. That's Luscious Lisa.

Speaker 4 (45:39):
I love that roof.

Speaker 3 (45:40):
Yeah, that one's called.

Speaker 2 (45:42):
I Go Is that right?

Speaker 4 (45:43):
Ye ah?

Speaker 2 (45:45):
Sat on the set list tonight.

Speaker 5 (45:47):
Uh yeah, I like that a lot of fun.

Speaker 2 (45:54):
Yeah, it might be well, that's it's gonna be a
lot of fun. Excited to go see you. Mister Fritz.
You write all the music for Luscious Lisa.

Speaker 3 (46:02):
And writes the songs.

Speaker 2 (46:03):
Yes, they'll make you cry like.

Speaker 3 (46:08):
The whole world scene.

Speaker 2 (46:09):
Yeah, it's gonna be fun. I'm looking forward to it.
You can see tonight. You can see Luscius, Lisa Stiletto,
Fritz and DJ Sabrangoon tonight at Tuffie's Music Box. That's
a Sabrina Ombra. For those of you who don't know,
now you know, and only because you listen to the
Home Loans radio shows right here on Saturday mornings. Check
it out tonight. It's gonna be a fun show. Gotta

(46:29):
get your tickets. They still have some available.

Speaker 3 (46:31):
Good news, they're free.

Speaker 2 (46:33):
They're free. You just got to show up and have fun.

Speaker 3 (46:35):
Just have to bring crab rangoon.

Speaker 2 (46:37):
There you go.

Speaker 3 (46:38):
You don't really that doesn't travel well. I don't know.
I don't think cream cheese and crab, which is a
weird combination, but we like it.

Speaker 2 (46:45):
I never really get a lot of crab out of
my right.

Speaker 3 (46:47):
The crab is more of a they wave a crab
over the whole thing.

Speaker 2 (46:51):
It's a yeah, it's a weird cracker with cream cheese
and an orange sauce.

Speaker 4 (46:58):
I like, so yeah.

Speaker 5 (47:01):
I like taking the sauce and just getting like BlackBerry
preserves and using that instead and oh so much better.

Speaker 3 (47:10):
Yeah, I agree. I like to make my own sauce
with a little bit of a of a like the
oblique sauce. It's like saracha but with seeds in it
and uh and applep preserves that in the microwave delicious
good time. Mm hmm.

Speaker 2 (47:24):
You listen to the Home Loans radio show, Yeah, you
are with that more Scout Don's.

Speaker 3 (47:30):
Right, Deputy Scott is having a trailer trash pool party.
The cover charge is four pack of BBRs and the
blast in the backyard.

Speaker 2 (47:39):
A four pack? Do they sell four packs?

Speaker 3 (47:42):
Tall boys?

Speaker 2 (47:43):
Okay, I was gonna say you brought you brought six,
but two to get you there.

Speaker 3 (47:47):
Two were the road.

Speaker 4 (47:51):
We don't condone that.

Speaker 3 (47:54):
Show up without any BBR in my body.

Speaker 2 (47:56):
But roadies, by roadies means people that set up your
music equipment.

Speaker 3 (48:00):
Yeah, yeah, that's what I mean. Lieutenant Dave is saying
that that he heard that Hometown Hero program is coming back,
and he heard that it was coming back at if
FAJA Mortgage Source dot com.

Speaker 2 (48:14):
FAHA Mortgage Source dot com is non and A that's
a mortgage company. That's not that's not FHA. They got
the word a FHA in their name. But I can
promise you every FAHA site ends in dot org right
if you want to, if you want to see the
actual site, I'll tell everybody where to go. So there's
no question, there's no rumors, there's no whatever you call it.

Speaker 3 (48:30):
It can't. It can't be coming back July one because
the budget is literally not approved for the whole state.
That's still in flux, and it cannot be instituted until
the budget is approved until the money has been allocated,
and that has not happened.

Speaker 2 (48:44):
You can go to e Housing. That's the letter E
E Housing plus alltogether dot com E Housing plus dot
com and at the very top it says twenty twenty
five Hometown Heroes program. Please read, And that is the
one I read just a little while ago that says,
ignore all the incorrect information on the internet marketing. The
only place, the only two places, only two places you

(49:06):
can get the real answer is on their website or here,
because I'm telling you about their website.

Speaker 3 (49:10):
That's right.

Speaker 2 (49:10):
Yeah, well, I wanted to come back. I'm looking forward
to it. It's great for people like they gave away
one hundred million dollars last year to first time home buyers.
That's an amazing program. I love it. I hope it
is out soon. But don't say I don't believe the imitators,
the duplicators whoever on social media. Go to the source
and just because something says faha in its web, uh,
it's ur L. It does not mean it's faha. That's a.

(49:33):
That's another thing that is frustrating. They're trying to get
changed right now because they're say with VA. You know,
there's a lot of companies that put v A or
FHA those in their name of their their you know,
their u r L and people think that it's an
official site and it is not. Any any government site
is going to end in org org. So that's a
first that's your first start. But great, thanks for texting

(49:56):
that into seven seven zero through when we got people
out there trying to get the right information. And I
love it. Thank you. What do you got mj oh
I know, I know what time it is?

Speaker 3 (50:04):
What time is it?

Speaker 2 (50:05):
It's time for the compare quote of the week. What's
that your first time? First time ever hearing the compare
quote song? Well, you're in for a treat. Don't get
out of the car. You're just gonna want to sit
there in idol for a minute while you hear this story.

(50:26):
And what do they say, wait till the end? Compare
quote of the week? What's that? Well, about two years
ago there was a study done. It's almost three years ago,
but last year they did do a new one last year.
I need to update it. But the one last year
came out and said that twenty two percent of the
people are now shopping their quote.

Speaker 3 (50:45):
It used to be twenty you did that.

Speaker 2 (50:47):
I maybe I moved the needle two percent, I don't know,
but it used to be that less than well, twenty
two percent of people compared their quote or get a
second quote. Once they get that first quote for a
mortgage or a heelock or a b a loan or
a reverse mortgage or whatever any kind of you know,
refinancer you're doing, or purchase, you got to get the
second quote. Because I see some crazy janky quotes that

(51:11):
people were about to move forward with. Every single week,
I see five or ten of them. And so I
and people said, why don't you compare your quote, you
know in the study, And they said, because it's too hard.
So my whole team, we Brandstorm, came up with an idea.
You know what, and make it easy. It's free. You
go to the website, you upload your quote, I look
at it, I tell you if it's good or if
it's stinks, as simple as that. And if if it stinks,

(51:31):
I'll tell you how much money you could save, and
then you know, you decide what you want to do.
If it's good, I'll tell you I do it all
the time, at least once or twice a week. I said,
that's good. You know you got a few days still closing,
you got a good rate, you got you know, your
fees are within margin. You know, go for it. But
I'd say the vast majority of the time, ninety percent
of the time, it is not good to follow your
instincts on that. So here's the deal. This was a

(51:54):
first time home buyer and but by the time they
called me, they had they were closing in three weeks.
They had already started working with another mortgage company. But
they sent me the compare quote through the website, and
here was the note. It was a very simple It said, hey,
don first time home buyer, closing in three weeks and
just need some peace of mind. Knowing this is a
good quote, my wife thinks we need another quote. Smiley face,

(52:16):
a winkie face. I was like, oh ah, yeah, all right, well.

Speaker 3 (52:21):
Sounds like that was a discussion.

Speaker 2 (52:22):
Yeah, she was right. They were doing an FHA loan
with three and a half percent down, and they a
decent rate the rate was six point twenty five, but
that's because the lender was charging them eleven thousand, one
hundred and ninety three dollars for the rate to buy
down the rate how much six point one two eleven
and ninety three dollars an outrageous amount. That was like

(52:43):
double their closing cost. Was just the point they were
being charge. That's wrong, that's completely discretionary. It's it's an
origination fees that goes to the lend.

Speaker 3 (52:55):
Read.

Speaker 2 (52:56):
Yeah, So I was offered able to offer them a
rate of five point seventy five, So we got the
rate a half a point lower.

Speaker 3 (53:02):
That's out the eleven thousand dollars, and we.

Speaker 2 (53:04):
Our fees were two thousand, two hundred dollars, so we
saved them nine grand and got them a half point
better rate. If we'd gone with the same rate that
they had the other company, they wouldn't have had any fees.
But they opted for these fees. They wanted to pay
the twenty two hundred to get it down, and we
did the math that it made made sense. So the
total fees were twenty two hundred, not eleven one hundred

(53:24):
and ninety three. So this saved them nine thousand dollars
and their monthly payment went down almost two hundred dollars
a month because of the interest rate savings. And I
got another email from the missus who said, I now
have nine thousand dollars to decorate our new home thanks
to you. I love you. You're the best.

Speaker 3 (53:42):
Yay.

Speaker 2 (53:44):
Oh and by the way, we had them clear to
close in ten days, so the three weeks the short
time period wasn't a big deal. That was one of
their concerns in the beginning.

Speaker 3 (53:51):
I was like, now we got this, and you know
what else she got? Oh yeah, forever lifetime.

Speaker 2 (53:57):
Remember that one time yep, when I saved us nine
thousand dollars.

Speaker 3 (54:01):
Yeah.

Speaker 2 (54:01):
Well, sometimes you know, you got to listen to.

Speaker 3 (54:03):
Your wife, listen to your part.

Speaker 2 (54:05):
Their bank said, sure, this loan is for you, just
bring us your paycheck and your kidneys too. They dressed
up the fees and fine sounding terms, but I saw
right through them, those slippery worms. I chopped off the fluff.
I polished the rate. We closed into ten days, which
was perfectly great. So next time you think you've got
a great deal, compare it with don or else you

(54:26):
might squeal. Pull the clip. My friend use slippery worms.

Speaker 3 (54:37):
Slippery Yeah, slippery worms.

Speaker 2 (54:41):
You know why you got to compare your quote, because
they're slippery worms out.

Speaker 3 (54:44):
There, sippary, greedy worms who're just throwing eleven grands. Yeah,
I'll see eleven grand works.

Speaker 2 (54:48):
And then your wife saves you from the slippery worms and.

Speaker 3 (54:51):
Everybody thousand dollars.

Speaker 2 (54:53):
There you go.

Speaker 3 (54:53):
Then when they when she does the house, she'll be like,
oh that cast. We wouldn't have had that cat except
you saved nine thousand dollars.

Speaker 2 (55:02):
Yeah, well, you know, there you go. Sometimes wives are
smarter than you. That's the way it works. You're listening
to the Home Loans radio show with that mortgage guy Don.
You can text in your comments to seven seven zero
three one your question salutations. Tell us what you're doing
out there on this fine summer solstice Saturday.

Speaker 3 (55:20):
Yeah, Happy Marks is Happy Saturday to y'all. Drive driving
down to Deerfield Beach today from Savannah loving the show
that I go track from Luscious Lisa was Faija. Oh well,
I wish I could take Debuty Scott up on that
trailer trash pool party right Mark from Palm Bay.

Speaker 2 (55:35):
Yeah, it's gonna be fun. It's gonna be fun tonight.
Go to I want to see a great show. Go
to Toughi's tonight. You're gonna see Fritz performing. You're going
to see Sabrina performing. You're gonna see Luscious Lisa. You're
going to see Stiletto. You're gonna see all kinds of
fun things. Good.

Speaker 4 (55:48):
They got good food there too.

Speaker 3 (55:49):
Great, Yeah, really cool. You kind of save my appetite.

Speaker 2 (55:54):
Can uber yourself down there tonight and commence the party.

Speaker 4 (55:58):
Hey, French fries, some French fress.

Speaker 2 (56:02):
All right, all right, I've got some sad news. Oh, no,
sad for me anyway. I read this. I read this yesterday.
It bummed me out. The Disney World has dropped a
piece of news. They're going to be closing three attractions
here July deadline.

Speaker 3 (56:18):
But I didn't read what they were.

Speaker 2 (56:19):
Yeah, three three. They're kind of like nostalgic for me,
having been a child of Central Florida for my whole life,
having gone to Disney World on the week it opened
in the seventies. Yeah, they're getting rid of the Liberty
Square Riverboat, Tom Sawyer Island, and the rivers of the
American Waterway attractions. You've been to Tom Sawyer's Island. That's

(56:43):
the one where you got all the caves you can
run around.

Speaker 3 (56:45):
Of course, that was like the makeout spot.

Speaker 2 (56:47):
Yes, that's that's part of the problem. That's why I'm
ninety eight percent sure I had my first kiss on Tom. Well,
you know, none of your business we.

Speaker 4 (56:58):
Do on the weekends. I'm just is none of your business?

Speaker 3 (57:01):
Care fair and uns assuming tourists are like, dude.

Speaker 4 (57:05):
You know about Tom Sawyer's Island too.

Speaker 5 (57:07):
Back in the day when it opened, they kept the
river stocked and you and you could throw a fishing pole.
You could go to Disney to to fish and the
fish that you'd caught they would keep it for you
and then as you leave, they would have it packed up.

Speaker 2 (57:20):
Yeah, that d It's also the place if you ever
got that Wild West photo taking it in Disney, that's
where where that's where you went to get it. It
was like it's like it was like a different part
of Disney as somebody who had gone there with kids
at the time. Is a place where they could run
around and blow off steam, and it was like, yeah,
less theme parky, you know, kind of like an outdoor
play experience. And that's gone. They're they're they're replacing it

(57:41):
with a themed something from the franchise Cars. So we'll
see what that looks like. But you know, taking a
taking a historic Mark Twain theme and replacing it with cars.
I don't know. I'm bummed about it, but tell me
what you think anyway, and nothing I can do about it.
So there's the news. You heard it here?

Speaker 3 (58:01):
I don't know, probably not first seems so sad.

Speaker 2 (58:06):
Radio show. What we got MJ. We got time for
another quick question if you got one there.

Speaker 3 (58:11):
Here's someone who is looking to get some home improvements
on my house, solar ac unit, et cetera. I have
lots of equity and good rate on my mortgage. I
don't want to refinance. Should I be looking at a
second mortgage? Do you do them? And do you think
they're a good idea?

Speaker 2 (58:23):
I do think they're a good ideas, but especially in
a case where you have a good a good rate
on your first mortgage and you don't want to mess
with that. So, you know, a lot of people we
had to rates in the twos threes fours, you know,
during COVID in that time period, and if you have
that kind of rate, really the only smart way to
take out the money to do something like that. To

(58:43):
do those kind of improvements is with a second mortgage. Now,
there are about a dozen different types of second mortgage
that you can do, and that's the part we will
will help you sort through. And it could be a
fixed rate second mortgage where you're just doing a lump
sum and you get you know, a pile of cash
to do everything you want to do at the end,
and then you just pay it off over ten years
or twenty years or whatever term you select. Or it

(59:04):
could be an equity line or a helock which stands
for a home equity line of credit. Those can have
different draw periods where you can they're more like an
account where you draw you have to do at least
fifty thousand on the first draw, but then you can
if you've got one hundred thousand dollars home equity line,
then you can draw fifty now and twenty later pay
it down by thirty you know, pay it up. And

(59:25):
usually there's a draw period of somewhere between three and
ten years on that and they have varying rates depending
on the draw period. And then once you can get
done with the draw period, then you've got a repayment
period of usually at least twenty years to repay it
then where you can't draw on it anymore. So yeah,
he luck is a very good vehicle we offer them.
You just go to the website and apply for refinance

(59:45):
and we'll get to some quotes and we'll go from there.
You're listening to the Home Loans radio show. We'll be
back for the final segment of today.

Speaker 5 (59:56):
Oh boy, that boy gonna be back right now.

Speaker 4 (01:00:02):
So that's what you're listening to.

Speaker 5 (01:00:04):
The only live show on Saturday is the only show
where you can ask questions about your house, your mortgage, refinancing.

Speaker 4 (01:00:10):
All of that good stuff.

Speaker 5 (01:00:12):
Seven seven zero three one, or that mortgage guy Don
dot com.

Speaker 2 (01:00:17):
Hey, hey, welcome back. Please go and follow me on
Instagram at that mortgage Guide Don. You can also go
there right there in the bio at that Mortgage Guide Don,
you can vote for us. We're nominated by the listener,
the readership of the Orlando Weekly as the best one
of the best local financial institutions Mortgage Local. But yeah,
go there and throw us a vote if you are

(01:00:39):
so inclined, please and thank you. Oh this story did
you see this story? I don't know this is why
you need an alarm on your house. Oh the headline
of the article, I'm going to read it. Okay, he
traded the ball and chain for handcuffs. That's that's the
article of the headline. Well done. On the headline of Florida.
Man broke into a random house and hung out there

(01:01:01):
for several days, according to him, to avoid going home
to his angry wife after they had a fight.

Speaker 3 (01:01:07):
Okay.

Speaker 2 (01:01:08):
Polk County sheriffs were called into the home in Davidport
by a neighbor who was watching over the residence while
the homeowner was away.

Speaker 3 (01:01:14):
That's so good, right, jeez. The neighbor was really their duties,
like several days later, Like, oh wait, I was supposed
to watch that house.

Speaker 2 (01:01:23):
He stayed there for four days.

Speaker 3 (01:01:25):
There's a dude in there. Yeah, that is not my.

Speaker 2 (01:01:28):
Neighbor by a I'm quoting the story. It says by
a neighbor who was tasked with watching over the residence
while the homeowner was away.

Speaker 3 (01:01:37):
They weren' getting baid.

Speaker 2 (01:01:39):
Not quoting, they were taking it. They were lacks a
days of called the guy was there four days. He said,
you noticed a lot of suspicious activity. The forty four
year old who was arrested, justified the infraction by revealing
that he'd gotten into a fight with his wife four
days earlier and broke into the house to avoid returning
home to face her wrath. Don't do that, turned out

(01:02:00):
you get arrested for felony, unarmed burgery, petty theft, and
domestic battery. Yes. I don't know if that's related to
the house.

Speaker 3 (01:02:06):
I don't think I'm gonna go ahead and say the
watching over of the house, I would count that as
a fail.

Speaker 2 (01:02:14):
Oh, I should say. The Miami Herald reported this, But yeah,
that's uh, that's interesting. That's why you need it along.
You need at least need a door ring camera or something.

Speaker 3 (01:02:23):
Hey, dude, you watch over my house. Oh yeah, I
looked at your house. There's you got someone living there
for four days. Yeah, I spent four days. I saw
some suspicious stuff, but you know, I wasn't sure about it.
And then I saw some more suspicious stuff, and I
was like, I still wasn't sure about it. But you know,
after four days, I think, yeah, maybe you shouldn't be there.

Speaker 2 (01:02:40):
Yeah, there was a party. What was that, Deputy Scott party?

Speaker 3 (01:02:43):
Yeah, they had a party in the backyard. A lot
of people showing up with PBRs. Yeah, four pack, four days,
four days.

Speaker 2 (01:02:51):
Hey, neighbor, I'm just gonna say you didn't.

Speaker 3 (01:02:54):
You were not a good neighbor.

Speaker 2 (01:02:56):
Yeah, well, maybe they were busy.

Speaker 3 (01:02:59):
I guess, I guess. All right, Well it's time for
the speed round.

Speaker 2 (01:03:03):
Guess what time it is? Right?

Speaker 3 (01:03:09):
All right, back in my place, I have been checked. No, no,
it is time.

Speaker 2 (01:03:15):
It is time. It's time for the speed round. Disaster.

Speaker 3 (01:03:23):
Here we go. So I'm gonna ask some questions quick
that we haven't answered yet.

Speaker 2 (01:03:27):
That's right, I'm just gonna.

Speaker 3 (01:03:28):
Probably half answered. I feel like we've answered all the
questions at some point, but you got today.

Speaker 2 (01:03:33):
I've been doing mortgages for a long time, but I
still get new questions all the time. I'm always That's
part of why I like it. It's part of why
I like doing it. It's always there's always going to
be a different puzzle. It's always a puzzle. Yeah, MJ's
gonna ask me a bunch of the questions we haven't
gotten to real quick here, and I'm gonna try and
answer them before we head out for today. But if
I didn't get to your question, you don't hear the
answer doesn't mean I didn't want to. Just go to
the website that mortgage guide Don dot com or on

(01:03:55):
Instagram at that mortgage guye Don send me a message.
I'll answer you outside the show.

Speaker 3 (01:03:59):
Is there a program for ninety percent cash out on
a REFI? Yes, yeah, you could like, oh you told
us that earlier.

Speaker 2 (01:04:04):
Actually, yeah, Fanny may only goes up to eighty percent,
and Freddy or FHA only goes up to eighty percent
on cash outs, but we have a program that does
go up to ninety and also some of the helocks
go up to ninety percent. So yeah, great question.

Speaker 3 (01:04:18):
What is your minimum down payment for a purchase?

Speaker 2 (01:04:21):
Down payment for a purchase is zero percent on FAH
loans or USDA loans. There's a one percent down payment
down payment assistance program right now where you pay one
percent and the lender pays the other two percent of
your total three percent down payment. And that's that's when
you don't have to pay back. And you have to
have a six forty score and your your it's income based,

(01:04:44):
so your income has to be below depend on your county,
below about eighty thousand a year to qualify for that
free down payment assistance money.

Speaker 3 (01:04:51):
I'm rending on the beach. I make one thousand dollars
a week. Can I afford to buy a house in
Cocoa Beach? Say? Thanks, Carol?

Speaker 2 (01:04:57):
Tell you you're renting make.

Speaker 3 (01:05:00):
A thousand dollars a week?

Speaker 2 (01:05:02):
Yeah, I mean, if you make four thousand dollars a month,
then you know your debt ratio will allow you to
afford a house if you don't have any other debts
up to about two thousand. You know, we got to
look at your debt ratios and figure that out. But no,
I wouldn't say that that that's forty eight thousand dollars
a year. You know you'd qualify most likely for this
new down payment assistance program.

Speaker 3 (01:05:20):
All right, Carol? Check in? How do I get a
quote for reverse mortgage? And is there any costs for
that or rules about that obligation?

Speaker 2 (01:05:29):
Yeah, the reverse mortgage do We do a lot of them.
And you just go to the website that mortgage guy
don dot com. At the top it says reverse mortgage.
There's a bunch of stuff you can read, but then
there's if you're ready to get a quote, then you
fill out the questionnaire there and usually same day Jill's
our reverse mortgage expert, and usually same day if we start,
if you start talking to us in the morning, we'll

(01:05:49):
have a quote to you by afternoon, if not the
next day. It's pretty quick. There's no cost, there's no
hard credit pull, there's no obligation, there's no nothing. We
just get you the numbers, We send it over, review
it with you, and you tell us if you want
to move forwards. Simple as that. We really don't. I
really don't do the pressure thing, you know. I prefer
to give people the quote, the information, give them all
the tools, and then help them just you know, answer

(01:06:11):
decide between things. But up after that, I just you know,
let people tell me if they want to move forward.

Speaker 3 (01:06:17):
Can I can my friend do my appraisal?

Speaker 2 (01:06:20):
They can, but you can't then use it for the
purposes of a mortgage. Yeah, we want. It used to be,
you know, back before the big financial crisis in two
thousand and six seven. You know, you used to be
able to get anyone you wanted to do your appraisal.
You could have your uncle do it, you could have
your mom do it. After the financial crisis, they changed

(01:06:40):
the rules for appraisals and it has to be an
arms length transaction. So what I have to do when
I order an appraisal for a mortgage, say a Fanny
May mortgage, I have to go to an appraisal management
company and order it through there, and then it is
assigned to a random appraiser that is not chosen by
me or the seller or the realtor or anybody else.
It has to be completely hands off, all right.

Speaker 3 (01:07:00):
Time for the riddle.

Speaker 2 (01:07:02):
It's riddle.

Speaker 3 (01:07:04):
I think we've done this riddle before, so I'm looking
to listeners to answer. But I'll give you, guys.

Speaker 2 (01:07:08):
See if you all right, we'll hold off for a second.

Speaker 3 (01:07:10):
Just for a second. Turn me on my side and
I am everything. Cut me in half and I am nothing.

Speaker 2 (01:07:16):
Turn me on my side and I am everything.

Speaker 3 (01:07:19):
Mm hmmmm hmm.

Speaker 2 (01:07:20):
Cut me in half. I am nothing.

Speaker 3 (01:07:24):
Do you already know the answer for it?

Speaker 4 (01:07:25):
That's a hot dog bun?

Speaker 3 (01:07:29):
It is not okay, So you guys go ahead and guess.

Speaker 2 (01:07:34):
Is it a metal straw?

Speaker 3 (01:07:35):
Nope? Turn me on my side. I am everything. I
am everything. Cut me in half, I am nothing?

Speaker 2 (01:07:42):
Mm everything?

Speaker 3 (01:07:44):
What do you think? Everything? Think infinite? I'm infinite.

Speaker 2 (01:07:51):
I don't know. Let me see one more time. Read
it one more time. We got time.

Speaker 3 (01:07:54):
Turn me on my side. I am everything. Cut me
in half, I am nothing. I'm stumped, really, Jeff, I
don't know either, all right. Think of the think of infinite.
Turn me on my side, I am infinite. Think of
the sign for infinite.

Speaker 2 (01:08:11):
Oh eight, the number eighty. Thanks for your hints. My goodness,
I hate you.

Speaker 4 (01:08:20):
So much that.

Speaker 3 (01:08:25):
It doesn't well, folks, it doesn't happen very often, but
today today the men were stumped on the riddle, which
is very unusual.

Speaker 2 (01:08:34):
I got it after hints.

Speaker 3 (01:08:35):
It really isn't that unusual? Pretty unusual. You guys are
the smartest of the smarts.

Speaker 2 (01:08:39):
There you go, Well, folks, you did it. You successfully
wiled away another ninety minutes of your Saturday. Come out
and check out Fritz and Sabrina Lussi's Lisa Stiletto at
Toughi's Music Box doors at eight, show at nine. Get
your tickets and uh we'll see you there. He'll play
us out of here with some luscious leeves.

Speaker 4 (01:08:59):
So here's some sabrin here.

Speaker 1 (01:09:18):
You've been listening to Home Loans Radio with that mortgage
guyde don join us every Saturday at nine am on
Real radio one oh four point one and check us
out online at Home Loans