Home Loans Radio 09.06.2025 with That Mortgage Guy Don Home Town Heroes is back and rates are getting lower!

Home Loans Radio 09.06.2025 with That Mortgage Guy Don Home Town Heroes is back and rates are getting lower!

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 (00:14):
Hey hey, hey, hey, hey hey hey, good morning. Welcome
to the Home Loans Radio Show with that Mortgage guy Don.
That's right, it's me. We're here. We're doing what we
do every single Saturday for over three hundred saturdays in
a row. Good morning, MJ, Good morning, Good morning, mister Fritz.

Speaker 3 (00:31):
So, oh yeah, we're here.

Speaker 2 (00:35):
We're doing it right.

Speaker 4 (00:36):
Do it?

Speaker 2 (00:38):
What are we doing, MJ? What are we talking about
here on Saturday mornings?

Speaker 5 (00:43):
Well, we talk about mortgages.

Speaker 2 (00:45):
Mortgages. Yes, that's sound.

Speaker 5 (00:47):
It's got death right in the name.

Speaker 2 (00:49):
Oh what a lucky twist for me though, because I'm
a mortgage experts.

Speaker 5 (00:53):
Yeah.

Speaker 2 (00:54):
You know what we're gonna do. We're gonna open up
the text lines seven seven zero three one, as we
do every week, and you can text in tell us
what you're doing out there, joining the conversation. We are
the most talked about, the most listen to, the most
live radio show right here on Real Radio on one
to four point one from nine to ten thirty on
Saturday mornings doing the thing.

Speaker 5 (01:15):
Also, tell me what you're doing out there on this
beautiful Saturday morning.

Speaker 2 (01:18):
That's right, you know the number seven zero three to one.
Let's cooking with you, mister Fritz.

Speaker 3 (01:23):
Oh, you know, just chilling.

Speaker 6 (01:25):
We have a meeting today at one pm to go
over the Ozzy Osbourne shows.

Speaker 3 (01:29):
I'm really excited.

Speaker 2 (01:30):
That's exciting. I mean we remember tell people what that
is that probably don't know. They think you're going to
see an Ozzy Osbourne show.

Speaker 3 (01:38):
Well I'm going to be Auzzy Osbourne, don you.

Speaker 2 (01:42):
And that's on Halloween night, right, So it's a is
it a like a tribute band kind of scenario or
is it?

Speaker 3 (01:50):
That is correct?

Speaker 6 (01:51):
We're playing eight songs and wow, hate I'm getting all
of his tattoos permanently etched into my skin.

Speaker 5 (01:58):
Awesome, that's commitment method.

Speaker 3 (02:00):
Yeah, it's so cool to the metal.

Speaker 2 (02:02):
Yeah yeah, Now does he actually did he actually have
eight tattoos?

Speaker 6 (02:09):
I mean he had a bunch of tattoos, but yeah,
I found a kit on Etsy, so they will be
fake tattoos.

Speaker 2 (02:16):
Well, you just took all the metal right out of it. Yeah.

Speaker 3 (02:19):
I don't know if Darcy would like that. If I
had a tattoo that said Sharon.

Speaker 5 (02:23):
And then like twenty years from now, you're sitting in
places at a bar or whatever, and they're like, who's sharing?
You're like, uh, you got.

Speaker 3 (02:32):
Did you get Ausie tattooed on your nocals?

Speaker 2 (02:34):
No?

Speaker 5 (02:37):
No, it's fuzzy. It's it's fuzzy.

Speaker 2 (02:38):
Oh that's even better. I got the eight piece Ozsy
stick on tattoo set from Etsy.

Speaker 5 (02:45):
I think that's perfect. You do that.

Speaker 3 (02:48):
I think.

Speaker 2 (02:49):
So you're you're doing vocals, what are you doing? Well?

Speaker 3 (02:52):
Yeah, I'm gonna be Alsie Osbourne.

Speaker 2 (02:54):
I understand. I'm trying to elaborate for the people.

Speaker 6 (02:57):
I'm gonna be Ozzy Osbourne during a Ozzy tribute show
called the Ultimate sen at Will's Pub on Halloween Night.

Speaker 3 (03:05):
And it's gonna be fun.

Speaker 5 (03:07):
So which Ozzie will you be? Younger? Messed up Ozzy
late doddering Ozzie. I'm gonna and nineties all right, so
still able to get across the stage and a pretty
quick clip. Yeah, like forties and fifties got it all right,
I'm excited. I never saw that Ozzie. I only saw older.
He was the best, all right. I mean I saw

(03:28):
clips of You know, I had the MTV. You weren't there, man, there,
I was not there.

Speaker 2 (03:37):
Watched it live on MTV.

Speaker 5 (03:43):
You know, MTV used to be a thing, and then
it wasn't. And then now we have the Video Awards
on Sunday again, which seems like they've went away.

Speaker 6 (03:51):
You know, it's crazy. It's it hasn't been a music
video channel, right, It's uh wait, how how do I
want to say this? It's been a music video channel
for less time than it's not.

Speaker 3 (04:06):
Yeah, because they show reality shows now.

Speaker 5 (04:09):
Yeah, And I remember there were like Daria years you
know where just yeah that it was MTV And now
we're having the Music Awards. I don't know. I guess
they went on the line and found the award the videos.
I don't know they could give awards to people for
the videos that they did not show on their programs.

Speaker 2 (04:28):
The big question is are you going to watch it
Saturday night or Sunday night.

Speaker 5 (04:31):
I don't know. I'll probably maybe just watch the clips
that come, you know, the things that come out of it. Later,
maybe I'll watch it. I don't know. I know Gaga
is doing something big on it.

Speaker 2 (04:41):
Gogay, you guys are on like a formal basis.

Speaker 5 (04:43):
Sure, yeah, yeah, no, the lady is doing something fabulous
and you just saw her in concert prints that is true.
So is that something you would tune in to watch? Yeah?

Speaker 3 (04:54):
I guess do I have to? I mean I can
just watch it later.

Speaker 5 (04:58):
Yeah yeah, yeah, they'll be a clip of it.

Speaker 3 (05:00):
I just don't want to support MTV there.

Speaker 5 (05:02):
All right, all right, I don't know if they know
I'm watching. I feel like it's pretty stealth at this point.
You know it struck TV. I'm just watching.

Speaker 3 (05:09):
You don't know what they'd know, though, you know they.

Speaker 2 (05:10):
Have the radians. They must know you're watching somehow.

Speaker 5 (05:13):
Can they see me? Okay?

Speaker 2 (05:15):
Anytime you can see the TV, the actors can also
see you.

Speaker 3 (05:19):
It's a mirror.

Speaker 5 (05:20):
I'm gonna dress up.

Speaker 2 (05:22):
It's a black mirror situation.

Speaker 5 (05:24):
I'm gonna I'm gonna dress up for the MTV. Yeah yeah,
I mean I would go full goth.

Speaker 3 (05:30):
I think pol Go.

Speaker 2 (05:31):
Yeah, what's half gough?

Speaker 3 (05:32):
Pool GoF is like the doughnut floating in the pool.

Speaker 2 (05:38):
Your makeup is guaranteed to run.

Speaker 3 (05:40):
It's running.

Speaker 5 (05:42):
I like pool golf because then you can put it
on however haphazard as you want. Take one dunk and
it's just gonna be awesome.

Speaker 6 (05:49):
You got a couple of uh what is it? The
uh the dry ice cubes in there so.

Speaker 2 (05:56):
Spooky like I'll just be over here by the drain.

Speaker 5 (06:02):
And that will also be a little homage to the years.

Speaker 3 (06:05):
Nice full circle. That's how we do it here, That's
how we do.

Speaker 2 (06:10):
They're listening to the Home Loans radio show with that
mortgage guy gone. That's right. You can text in your
comments questions to seven seven zero three one. I got
some mortgage news. We can, we can, you got people?
Go ahead him, Jack, come into the mortgage news.

Speaker 5 (06:24):
Okay, I mean I feel like we all want to
hear the mortgage news.

Speaker 2 (06:26):
Oh do we?

Speaker 5 (06:27):
I think we do? I mean I feel like things
are churning and happening and bubbling in the caldron of mortgages.

Speaker 2 (06:32):
What's your vote, Fritz? Do you want to hear the
mortgage news? Oh?

Speaker 3 (06:35):
Yeah, we should probably hear the update, right, yeah.

Speaker 2 (06:37):
Let's do that. Okay, all right, all right, where's the
the opening lead into the mortgage news? Oh?

Speaker 3 (06:43):
I didn't love it? Hold on, we don't.

Speaker 2 (06:46):
We don't have one. I'm waiting to see what. Okay,
I feel like I lost toenail.

Speaker 5 (06:56):
Hey you wanted that, man, I try.

Speaker 3 (07:00):
You put me on the spot.

Speaker 2 (07:01):
That's what happens, serves me, right, I wind up that
rubber band and I don't know where it's gonna go.

Speaker 3 (07:10):
You do that at your own risk in this economy.

Speaker 2 (07:12):
Oh my goodness, all that jazz.

Speaker 5 (07:18):
Tell us about the mortgage news. I've been hearing stuff.

Speaker 2 (07:21):
Mortgage rates took a big drop. You know, we've been
dropping for about five or six weeks in a row,
really kind of slowly. And then the jobs numbers came
out last month. And what happens when the jobs numbers
are bad, meaning that there's not as many new jobs
being created or unemployment is it maybe moving in the
wrong direction, is that the stock market does a little
worse that. You know, those two things are bad. But

(07:43):
when those two things happen that way traditionally, then mortgage
interest rates improve. And that's what we saw on Friday.
One of the biggest news articles you're going to be
hearing all week long is going to be about mortgage
rates are down. Mortgage rates are down. Mortgage rates are down,
and they are definitely coming down as a for the
first time this year, we dipped below. Well, basically, you're

(08:05):
at the lowest rates we've had in since twenty twenty
four of October of twenty twenty four, So nothing in
twenty twenty five has been lower than what we're seeing
right now. Does that mean practically, it means like a
thirty year loan an FHA or VA loan. Those are
in the five percent range now, which is crazy. You know,
a year and a half week ago we were up
near close to eight percent, and then it got down

(08:26):
into the sevens and then we've been kind of mosey
and down.

Speaker 5 (08:29):
In the sixes season on down the road for.

Speaker 2 (08:32):
About a year now. But as of right now, if
things stay the same, then we should be looking at
the lowest rates we've had all year coming up this week.
So that's exciting news for a lot of people that
have been kind of on the sideline. It should be
exciting news for you. If you've got a mortgage rate
with a seven in front of it, or a high six,
then you are probably in the range where you can

(08:53):
start thinking about considering a refinance, maybe saving yourself two
or three or four hundred dollars a month and just
pure interest by doing what's called a rate and term refinance.
It's where you just restructure your loan. You don't take
any cash out or anything, You include the closing costs,
and you lower your interest rate in your payment, or
you can lower your term. A lot of people will
lower it down to like a fifteen year or a

(09:14):
twenty year to save a lot of extra money on interest.
But we are entering that phase. It's definitely a buyer's market.
If you're buying a house, it's a good time because
there's a lot of seller concessions right now. And if
you're looking to refinance, it's a good time because we're
seeing the lowest rates we've seen in almost a year.
So there you go. That's the mortgage news for this

(09:36):
we're now in September. In September, September. There you go.
That's the bulk of the mortgage news. I got another
little thing out throwing a little later. Okay, we'll go
from there. You can text in your comments, questions, thoughts,
salutations to seven seven zero three to one Mjay. We'll
tell us what you're doing out there and join the conversation.

Speaker 3 (09:57):
So tell you what is it time to refinance?

Speaker 5 (09:59):
Yet?

Speaker 2 (10:00):
I think it might be something we should take a
peact for you there, mister Fritz.

Speaker 6 (10:07):
Finally I'll be able to afford some groceries and some pants.

Speaker 3 (10:12):
Sorry about the pants, Well the soft pants.

Speaker 5 (10:16):
You need soft pants? You need hard pants.

Speaker 3 (10:19):
I need soft pants.

Speaker 5 (10:21):
Okay, all right, all right, I feel your brother. You
got to have soft pants. Man, If you live your
world in hard pants, it's no good.

Speaker 2 (10:27):
What's that song I got my soft pants on?

Speaker 5 (10:29):
So is it?

Speaker 2 (10:30):
I think it was an SNL Will Ferrell, Will Ferrell.

Speaker 5 (10:34):
Okay, tight pants.

Speaker 2 (10:39):
I've changed the words for my own.

Speaker 5 (10:42):
Yeah, yeah, I'm I'm I'm a soft soft pants once
you get home kind of human. I'm I'm all about it,
like I have. If I have to wear hard pants,
I'm like, I can't wait till I get it back.

Speaker 2 (10:51):
You call them soft pants, or I call them eating pants,
like the kind you wear on Thanksgiving, you know, because
so you can the expandable waste can.

Speaker 5 (11:03):
Hold a pie. Dan is our delivering Obedo, delivering packages
in Obdo a lot of.

Speaker 2 (11:09):
People working on Saturday mornings. Thanks to all of our
workers out there doing the thing. Well, uh, well wait,
we're working today to never right.

Speaker 5 (11:17):
William and Phil is sitting in the gorgeous uh, Lagoon
and Ocean, Lagosian Air, the air. Yeah, it's sitting in
the Lagosan Air listening on the porch.

Speaker 3 (11:27):
Just just and someone texted me named Will. Let's see
what Will is up to.

Speaker 4 (11:39):
Everywhere.

Speaker 5 (11:41):
There we go.

Speaker 2 (11:44):
Well, you gotta get your soft pants on and then
you can.

Speaker 3 (11:49):
Problem.

Speaker 5 (11:49):
Yeah, his problem is he's in tight pants. Soft pants, no,
nothing but comfort.

Speaker 2 (11:55):
Well, there you go. You're listening to the Home Loans
radio show. That's how we do it. Text ten, tell
us what you're doing at seven seven zero three. One
will be right back after these messages. Hey, hey, hey,
it's that mortgage guide don September is here and so
are the dog days of summer. But my home is
feeling cool, quiet and safe thanks to my impact resistant

(12:18):
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(12:38):
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(13:02):
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seven six one three.

Speaker 6 (13:12):
Hey, this is Debor Roberts from the Jim Culbert Show,
and you're listening to Home Loans Radio on Real Radio.

Speaker 3 (13:19):
Now back to the show with that mortgage guy Don.

Speaker 5 (13:23):
Hey, Hey, listening to Homelans Radio with that mortgage guy Done.
I'm MJ and we are here to break down the
whole mortgage situation. Questions about mortgages, questions about helocks and
reefs and commercial loans, and it's better than it sounds, honestly.
Oh yeah, that's a lot, dude. To our friend Fritz,

(13:43):
that's right. Because of you, you're wealth and breast. The
professor you're the professor.

Speaker 3 (13:53):
Yeah, that's what they call you behind your back.

Speaker 5 (13:55):
Yeah, that's our which one is mj The gesture maybe
I'm not the I thought.

Speaker 2 (14:01):
We were doing Gilligan's Island.

Speaker 5 (14:05):
The gesture to that might be Gilligan.

Speaker 2 (14:11):
It would have been hilarious if the.

Speaker 6 (14:14):
The jester was the like most sad depressed one, because he's.

Speaker 5 (14:19):
Like, you guys don't get it, we're dead.

Speaker 2 (14:24):
Up cheirus up there of Gilligan's Island.

Speaker 6 (14:28):
He starts standing up, just crying, going through jokes, I
miss my family.

Speaker 3 (14:38):
Sympathy clapping for him. That would be hilarious, way ahead
of its time.

Speaker 5 (14:43):
Yeah, there you go. Well he needs time for a
redo on Gilligan's Island.

Speaker 2 (14:47):
Find the professor. Then you're then you're then are you're
Are you missus?

Speaker 4 (14:50):
Howel?

Speaker 2 (14:51):
Are you hinger? Your Gilligan?

Speaker 5 (14:55):
I don't know, I'm not. I'm not missus Howell.

Speaker 6 (15:01):
No, No, those who those you know, I'm just saying,
if you're explaining.

Speaker 3 (15:10):
You know that old thing.

Speaker 5 (15:11):
Yeah, I'm fair.

Speaker 2 (15:14):
No.

Speaker 5 (15:14):
I mean the most person I always identified with, of course,
was Marianne, like every you know, normal human girl. You know,
I mean, you don't look at ginger and think, Oh,
that's me. I'm gonna hang out in a sequin ball
gown and you know in the.

Speaker 6 (15:26):
Island, marian Yeah, Marianne was, she was, She was the
one for me. Yeah, I was like eight nine years old.
I was like Marianne definitely.

Speaker 5 (15:35):
Yeah, I always Marianne. You know, it's just like the
Betty and Veronica.

Speaker 2 (15:38):
You know who's super bossy the skipper.

Speaker 3 (15:42):
I think he had to be though.

Speaker 6 (15:43):
He was the captain Noyes the philosophy.

Speaker 5 (15:48):
He's a really bad captain. He's a very bad captain.
I'm gonna say, yeah.

Speaker 6 (15:53):
He was trying to save face for his crew and
you know camaraderie.

Speaker 2 (15:56):
No, yeah, he was a trouble captain.

Speaker 5 (15:59):
They went a three hour tour and they landed on
his island. That captain did not do good captains that
no one knew about. Yeah, no, and still those about.
It's a complete mystery island that no one in humanity's
ever heard of. It just disappeared there.

Speaker 2 (16:13):
There are rafts of people right now out there, rafts
cars full of people under the age of thirty that
are like, what in the world are these people targeting?

Speaker 6 (16:20):
I think they understanding theory, but also don't care, right
that check.

Speaker 2 (16:25):
That part check.

Speaker 5 (16:26):
And here's a question, a burning question we need to know.
Someone is asking will you be biting off the head
of a bat? M It is Halloween, so I'm sure
they'll be.

Speaker 2 (16:37):
I guess they're asking Fritz because he's gonna be portraying
Ozzy Osbourne? Is that for Halloween Show?

Speaker 3 (16:44):
Probably not now?

Speaker 5 (16:46):
I mean, I know it's controversial because he says that,
you know, you know, the whole story that wasn't his,
that wasn't what he was trying to do.

Speaker 6 (16:53):
Yeah, he would they would throw toys up there, and
yeah because of the spotlight. So yeah, and he didn't know,
and he was high and drunk, and yeah, the rest
is history.

Speaker 3 (17:02):
And he felt terrible about it.

Speaker 5 (17:03):
And he didn't like it, and he didn't like that
that was his thing and he was known for it
was not his jam.

Speaker 2 (17:08):
I'm pretty sure in his position, I would have done
the same.

Speaker 6 (17:10):
Thing, really, And then and then he goes, what sick
bastard brings a life back to the metal show?

Speaker 2 (17:18):
Right?

Speaker 3 (17:20):
It makes no sense.

Speaker 2 (17:22):
Get in the goth pool.

Speaker 5 (17:25):
That's what I'm going to need for my MTV costume
is a bad I'm in a pool he's just walking
around with a pool attached.

Speaker 2 (17:31):
To you instead of a instead of a mosh pit,
you have a goth.

Speaker 5 (17:34):
Pool at Okay, Okay, here's what I was asking. Good morning.
We have several properties and my mom and brother are
both on the property deeds. Mom died. What's the difference
between the deed and the title.

Speaker 2 (17:47):
In Florida? They're pretty much uh, well, I would say
they're interchangeable. In Florida. The deed is the title. The
deed to the property shows you who's on the title.
It's kind of uh, you know, it's like your your
marriage certificate shows you who you're wedded to. You know,
it's kind of the it's the same. It's a d
If you're on the deed, you're on the deed. It
depends on how it was done. But normally the way

(18:08):
they're set up is if there are two people on
a deed or a title and it passes, you know,
and someone passes away, then it reverts to the other
person if they've done it properly. And then another thing.
A lot of more common way that people refer to
ownership documents as a title having to do with vehicles,
but it's it's a. It's a synonym essentially in the
in the industry.

Speaker 5 (18:29):
Can I get a helock or another way to pull
equity out of my home keeping my current interst rate
of four point seventy five?

Speaker 2 (18:35):
You too can text your questions into seven seven zero
three one. I'm sorry, what was the question empty? I
didn't hear my headphones cut out?

Speaker 5 (18:44):
Can I get a helock or another way to pull
equity out of my house keeping my current interst rate
at four point seventy five?

Speaker 2 (18:50):
Yeah, you can do that. It's pretty common that, you know,
if you have a low rate on your first at
the best vehicle to get equity out of the house
is through a helock or a he loan or an
other form of second mortgage. We have about a dozen
different options that we can that we can do without
touching your first mortgage, so you can keep it exactly
where it is and pull cash out. You've gotta have
a six to sixty score to do it with us,

(19:12):
and the minimum equity line that we can start with
is a fifty thousand dollars line of equity and they
go all the way up to a million dollars, So boy, yeah,
you can. It's you know, you got to have that
much equity in your house. But we're currently doing a
home equity line for someone for eight hundred thousand right now.

Speaker 5 (19:27):
All right, good morning all, Chad says, I'm on a
shore vacation in Virginia Beach looking over the ocean. But
I wouldn't miss my Saturday show.

Speaker 2 (19:35):
I'm Chad.

Speaker 5 (19:36):
That makes me so happy. Have a great weekend.

Speaker 2 (19:38):
There you go, spread and joy across the country. I'm Jaye.

Speaker 3 (19:41):
Thank you, Chad.

Speaker 5 (19:43):
The Wink family checking in from Melbourne.

Speaker 2 (19:45):
The Winks we hear from them from time to time.

Speaker 5 (19:47):
Yeah, nice family, Wink Wink. All right, And I was
looking to get a heelock to cover some dental work
I'm needing. But do we have We do have about
one thousand dollars in late payment fees, but I need
to get that paid off in order to qual.

Speaker 2 (20:02):
Well. I'm I'm wondering if they're talking about on their mortgage, yeah,
or or where they have late payment fees. Like so
when you're if you have a mortgage and you are
like fifteen days late, like your payment's due on the
first and then by you haven't paid it by the
fifteenth or sixteenth, you're going to get hit with a
late fee, and usually it's five percent of the payment
or something like that, and that will just get added

(20:22):
on to the loan itself. If you don't pay it off,
you know, and sending that late fee the next month,
well then they'll just add it into the the money
that you owe along with the principle typically, so they're
just saying, what would if they have one thousand dollars
in late So if you're talking about that kind of

(20:42):
fee where it's just tacked on, you know, and increases
over time and it's slowly gotten up to one thousand dollars,
that itself wouldn't keep you from getting a heelock. But
if you've had a thirty day late where it went
more than thirty days late, then then depends on whether
that's been in the last year or not and how
much it's affected your credit score. But normally, if you
got a late payment, it's going to knock your score
down one hundred, one hundred and fifty points.

Speaker 5 (21:04):
Good morning, down, I'm Dan Fritzbreen care listening with no
panton more comfortable.

Speaker 2 (21:08):
Well, there's a mental picture and solicited but put down
a towel, respects your couch.

Speaker 5 (21:15):
Respect the furniture very important. Busy all week working on
a sitcom.

Speaker 2 (21:21):
There you go.

Speaker 5 (21:22):
I'm working on a sitcom too. I don't think anyone's
going to see it, but it's just.

Speaker 2 (21:25):
Me, Yeah, working on Are you working on it? Sure?

Speaker 3 (21:28):
Sitting committice, yep, I'm and I uh.

Speaker 5 (21:31):
Yeah, and I'm funny.

Speaker 2 (21:32):
You're sitting commedially.

Speaker 5 (21:33):
Yeah, I think that's better.

Speaker 2 (21:37):
I got a sunflower, but between each toe.

Speaker 5 (21:39):
It's a silent show. It's just different poses sitting.

Speaker 3 (21:43):
All you need is a laugh track and everything's funny.

Speaker 5 (21:45):
You know that's true. And the more overcompensating the laugh
track is the better.

Speaker 2 (21:50):
We should work on a sitcom.

Speaker 5 (21:52):
Yeah, sure, yeah, here's some one. Good morning, gang. I
have a two and a half percent v a loan.
Is it time? Is it time to consider to a REFI?
Oh well no, I'm not a mortgage expert, but I
can say to you no, uh, just joking, joking. I
just want to say good morning. I love listening to

(22:13):
you through education and funny banter. It's great.

Speaker 2 (22:16):
Yay, thank you so much for listening to us right here.
That's why we do a gang live every Saturday morning.
Doing the thing makes it. Those kind of comments just
make it worth getting up out of the old bed
and trudging off to the radio station.

Speaker 5 (22:29):
We bought our house using don about six months ago.

Speaker 2 (22:32):
Thank you.

Speaker 5 (22:33):
We're at six percent. Hello, would the rate need to
drop to consider a REFI that's kind of a four
percent just wishful thinking.

Speaker 2 (22:40):
Yeah, it's kind of a general I can generalize a
little bit.

Speaker 3 (22:45):
A movable target.

Speaker 2 (22:46):
Done, it is a movable target. Yeah. It depends on
how big your loan is. Okay, because you know, a
smaller loan, like one hundred thousand dollars loan, a one
percent decrease in your rate's not going to make that
big of an impact because it's a smaller loan. It
might only, you know, save you a forty or fifty
dollars a month. So if you have one hundred thousand
dollars loan, you might need the rate to come down
a couple points before it makes any sense. If you

(23:07):
have a four or five hundred thousand dollars loan, or
three or four or five hundred thousand dollars loan, and
you can drop it a point, then that's usually going
to be a good benchmark. What I'm really looking for though,
is figuring it out because you can roll in your
closing costs into that. So what I'm usually looking for
is how long it will take you to recoup your
closing costs that you pay to do the refinance, because
that's what tells you if it makes sense. You know,

(23:28):
if it's going to take you twenty four months to
recoup the closing costs but you're planning on selling the
house in a year, well then no, it's not going
to make sense to refinance because you won't get your
money back by the time you pay that mortgage off.
So whenever I do a refinance for someone, that's one
of the things you're going to hear from me is here, Hey,
here's your recoupment period. Yes there's closing costs. Yes they're
going to get put in the loan, but you have

(23:49):
you know, in thirty one months you will have recouped
that or you planing to keep the house longer than that,
you know, and if so, well done, and then you
can also save a lot of big chunks of money
by reducing a few years off of you. Right, A
lot of people don't realize that just because it's the
best you have a thirty year loan, and you've paid
it down to twenty eight years. We can pick that
right back up at twenty eight years. We don't have
to stretch it back.

Speaker 5 (24:09):
Out, all right, or something weird like twenty two.

Speaker 2 (24:12):
Yeah, we can drop it by five years. And if
we drop your loan term by five years and keep
your payment the same, you might think, oh, that just
keeps my payment the same. No, that takes out sixty
months of interest payments. So you're probably talking. Most mortgages
have at least one thousand dollars a month in interest,
So taking all five years off of your mortgage can
save you sixty grand and real dollars in real interest dollars.

(24:34):
You're listening to the Home Loans radio show with that
mortgage guy down. We'll be right back after these messages.

Speaker 5 (24:40):
Hey, this is Ryan from the Monsters, and now back to.

Speaker 3 (24:42):
That mortgage guy done on real radio.

Speaker 6 (24:46):
All right, I don't have my headphones on yet, now
I do. Man, you know the real show. I've said
it before, I'll say it again. The real show happens
during the breaks when we talk down the line at
one another. Anyway, the problems of the world live radio.
What's the name of the show Home Loans Radio. That's

(25:07):
right there we go and we're on real Radio. One
of four point one. Text in if you have any
questions seven seven zero three one. You're trying to buy
a house, you're trying to sell a house, trying to
refinance seven seven zero three one. And also I would
be remiss if I did not mention follow down on
Instagram that mortgage you guy done.

Speaker 2 (25:25):
There you go, Thanks for listening to the show. Text
in seven seven zero three one. As the man said, yeah,
you know, it's fun. You know, you know, we're having
a good times as per usual. We're we're laughing and
talking and joking and you know, making each other laugh.
During the break, Fritz comes in. Guys, guys, stop, we're
coming back to the show. It always starts like this, too,
straight up, straight up.

Speaker 6 (25:45):
It always starts like this. It's like, you know, we'll
be right back. And then it's like, you know, commercial
starts playing. You guys, don't hear this out there listening.
But then I talk back to them and I go, clear,
that means start talking, yeah, And then I just go,
what do you guys doing after the show? And then
for four minutes we were riffing.

Speaker 2 (26:05):
I keep telling you save it for the show, not
the show.

Speaker 5 (26:08):
I can't talk about that on the show, but I
will tell you on this little break. We did have
some conversations about Love Island. Sure you've all seen it,
also talking about the prevalence of what we think might
be kissing, kissing, ailments, ailments, you know, things you might
get from kissing.

Speaker 6 (26:26):
You know.

Speaker 5 (26:27):
Yeah, today, way to shut it down, Wait to shut
it down, professor I like it.

Speaker 3 (26:37):
Yeah, he just goes cool, cool, All right, Well today.

Speaker 5 (26:43):
Here's someone, big Marxist. Good morning, down. I'm Dan Fritz,
checking in on my drive back to Savannah, Georgia from
West Palm Beach. Along with great entertainment you provide, I
want to thank you for all the knowledge you've been
stowing all of us. You're welcome every week. Yeah, we
stow in knowledge. That's what we do. Here's someone. The
problem isn't the rates. That's temporary. The problem is the

(27:04):
fact that houses are still extremely overpriced. I can always
be fine it slow on my rate. I can't redo
the price of a house. Prices houses are up.

Speaker 4 (27:12):
It's true.

Speaker 2 (27:13):
Houses prices of homes have always gone up, except for
very short blips in time, you know, as far as there.
You know, if we look back at the seventy five
year history, you know, having to do with HUD and FHA,
where they have statistics of all that, there was a
time and you know when we had the big banking crisis, right,

(27:34):
you know, and a lot of foreclosures in two thousand
and seven eight nine where prices went down. But other
than that, historically, over the last seventy five years, house
prices have gone generally up. Sometimes they'll you know, they'll
stagnate some you know, not move up or down. Sometimes
they'll kind of go sideways for a year or two.
But in general, if you're looking at like every decade,

(27:55):
at the end of every decade, what's going on with
house prices, guess what, They're going up and that's going
to keep happening. I don't see any world where all
the sudden house prices start getting less expensive. Because it's
real estate. It's a thing that people want, and whenever
there's a desire for a thing, then the prices go up.

Speaker 5 (28:10):
The way it is, it does feel like it's gone up,
you know, substantially, at a different kind of rate in
the last few years.

Speaker 2 (28:16):
Oh Oh, for sure, I'm not disputing that in any.

Speaker 5 (28:18):
Mean, it's really gone.

Speaker 2 (28:19):
You have big, you have big, weird movers in that history,
things like the financial crisis, things like COVID, And what
happened with COVID was that the government artificially brought rates down.
When you hear people talking about two point seventy five rates,
that only happened because of the activity that the Fed
was doing and what they were trying to do to
keep to make interest rates really low, to keep the

(28:40):
housing industry going when.

Speaker 5 (28:42):
It was kind of the only industry that.

Speaker 2 (28:44):
It was one of the only ones that was not faltering,
and that they could actually take an action to keep
up you know, going and keep people buying homes even
in the middle of that. So you're going to see big,
unusual things happen and the result of making you see
right there how it works if you make money to
cheap suddenly and unexpectedly. So if you made the you know,

(29:04):
when they made the interest rates down in the twos
or threes, that made it so that you could have
more buying power, which made the houses, the price of
homes go up. That's how inflation works. So that's why
they're always. That's why the Fed is hesitant right now
to just go willy nilly and reduce the federal funds rate,
the prime rate, because usually a short time after that
you have a rebound of inflation. So it's a balancing

(29:25):
act and they're trying to bring that down. But yeah,
house prices are high. It's it's difficult. Wages are not
increasing at the same rate that house prices are not
even close. I will tell you though, I just saw
a study. I was reading it this morning. Since twenty
twenty two, the average rents in Florida have dropped by
four percent.

Speaker 5 (29:41):
That's interesting.

Speaker 2 (29:42):
It's not down to where it was pre COVID levels,
but they have gone down. And part of that has
to do with there being a higher availability new apartments
being built of stuff.

Speaker 5 (29:52):
They're building them everywhere, I mean everywhere, and they're all
those big giant vertical ones. Yeah, the ones where you
know there's like four or five stacked up and big,
big giant box.

Speaker 2 (30:04):
But I will tell you that right now is the
best time that we've had to buy in a couple
of years. The rates are at the best they've been
since last year. We're seeing a lot of people refinancing.
October twenty twenty four was the last time we had
rates as low as they were on Friday. So all
year of twenty twenty five the rates have been higher
than what we're seeing right now. So I'm definitely telling
people and we're doing a lot of refinances for folks

(30:25):
that got their mortgage in the last couple of years
three years and had an eight percent rate or a
seven percent rate, or even a six percent rate in
some cases. We're definitely able to refinance down into the
fives in a lot of situations on thirty year loans, Faha,
and VA solidly in the fives. If you're well, if
you're well, if you're well qualified, so just time to

(30:45):
think about it. If you've got a high rate now
seven and a half and you can get down to
five and a half, that's a big savings. You know,
three or four hundred thousand dollars loan, you could save
six hundred a month in interest alone. So that is
one way to try and come at it is to
get your interest rate on. We can't control the house
prices for sure.

Speaker 5 (31:02):
Morning Home Runes Radio Crew. We're driving back from Indiana
to Palm Bay, which is wish us good luck with traffic.
I wish you good luck with traffic. Kyle and Monica.

Speaker 2 (31:11):
Ah, Kyle, Monica. That's a heck of a drive from
Indiana to Palm Bay. That's probably twenty four hour drive
or eighteen hour drive.

Speaker 5 (31:18):
You gotta go sideways in the country, like, it's not
straight down right. Indiana's like in the middle. Yes, so
you gotta go sideways and India.

Speaker 2 (31:26):
It's a new segment. Fritz, what are we gonna call it?

Speaker 5 (31:29):
Where is Indiana?

Speaker 6 (31:31):
MJ explains directions like the world is a cue ball,
but now you gotta fly upside down here to get
to India.

Speaker 5 (31:41):
Oh, it's tricky. Getting India's tricky. Now whoa, whoa.

Speaker 3 (31:45):
Now you're sideways.

Speaker 2 (31:46):
You've got to get over the Himalayas.

Speaker 5 (31:50):
I was just thinking, like some things are straight, you
know Florida, Like you go to the east coast, you
just go. But if you're going way over there, that's
a whole other thing.

Speaker 3 (32:00):
So I was thinking, you.

Speaker 2 (32:02):
Must yeah, yep, I don't know.

Speaker 3 (32:04):
I mean, is she wrong though?

Speaker 2 (32:06):
Not?

Speaker 5 (32:06):
Yeah? Wrong, it's not wrong? Correct? Yeah, you gotta go
across then down to Florida.

Speaker 2 (32:12):
I am laughing because you know, I've known m J
a long time, and when when she gives directions, it's
not like the street names or anything. So you go
to the thing, you know where the such and the
Altamont mall is, and then there's that light after that light,
and then you there's a there's used to be a
blockbuster there.

Speaker 5 (32:27):
In nineteen eighty four that the term south. Nobody needs
directions anymore. Remember when you had to give people directions,
like really give them directions. Oh yeah, like rite a
map to the party?

Speaker 6 (32:37):
The first four I was ever on for three weeks
light on maps and yeah, of course, because it's like
that's how truckers got around, were truck drivers basically.

Speaker 5 (32:48):
Truck drivers with great music, right.

Speaker 2 (32:50):
Yeah, I used to. I used to do sales in
my early days where I would drive to people's homes
all over central Florida from from coast to coast to
selling air conditioners and younger days. And you got there
with a map book, you know, you had to find
it on the map book, and then you'd call the
people and they give you directions like well, you're gonna
you're gonna see three four way stops and then two

(33:11):
speed bumps and we're the fifth driveway on the right
after that by the Elm tree.

Speaker 5 (33:15):
Oh man, if we ever lost the interwebs, I don't
know if there I don't know if anyone would know
how to do anything.

Speaker 2 (33:20):
I will be able to get where I need to go.

Speaker 5 (33:23):
I could still figure out a map.

Speaker 2 (33:24):
Yeah, you can read a map. But you know, those
those of us who.

Speaker 5 (33:27):
Are old enough, like where you find that map?

Speaker 2 (33:31):
It's at the thing.

Speaker 5 (33:36):
They used to be all rack of maps you could
go get. I doubt that it was.

Speaker 6 (33:39):
Yeah, it was basically at every gas station they would
have always get a map. These like the Central Florida area,
the South Florida area, and usually Florida, Georgia, Alabama trifecta.

Speaker 2 (33:52):
I'll tell you this happened to me not too many years.

Speaker 3 (33:54):
And then it's like, good luck, get out of here
and then get the next map.

Speaker 2 (33:59):
This happened to me not too long ago, within well,
during in the smartphone era. But I was in an
area in the mountains in Georgia and North Carolina where
GPS went away for hours at a time.

Speaker 5 (34:11):
How did you even manage?

Speaker 2 (34:12):
I ran into a store randomly and bought a map. Yeah,
they still have maps out there in the mountain map.
In the mountains, I guess, But yeah, there are still
areas where you lose the GPS.

Speaker 5 (34:22):
You ever know where you're going, then you are lost.

Speaker 2 (34:24):
Remember when you had to remember the early days of
maps where you would print out a map quest you'd
have it in a seat next to you in your car.

Speaker 5 (34:32):
Can you talk about who benefits from a reverse mortgage?
I'm retired seventy nine on a fixed income. Would it
makes sense for me to do it?

Speaker 2 (34:40):
That is a wonderful question. Thanks for texting it into
seven seven zero three one, But I'm we're gonna have
to kick that one to.

Speaker 5 (34:47):
The all right, there's more to the question, so stay
tuned to hear the rest of the question.

Speaker 2 (34:52):
You're listening to the Home Loans Radio show with that
mortgage guy down. We'll be right back to answer that
question and so much more after these messages.

Speaker 5 (35:00):
Hey, it's Sabrina from the news junkie.

Speaker 3 (35:01):
Do you have a question for that mortgage guy down?

Speaker 5 (35:03):
Text him at seven seven zero three one, No.

Speaker 3 (35:06):
Back to Home Loans Radio on reel Radio.

Speaker 5 (35:12):
Hey, Hey, you're listening to Home Loans Radio. That's what
you're doing today. Hey, I've done.

Speaker 2 (35:20):
Ryman, you're right, hey, with.

Speaker 5 (35:23):
Today spectacular, it was Yes, all those years of poetry
school really paid.

Speaker 2 (35:29):
Up poetry school. You went to poetry school.

Speaker 5 (35:33):
I mean, don't we always have those books when we're kids.

Speaker 2 (35:36):
Oh I wrote a haiku.

Speaker 5 (35:37):
Oh that's awesome, very nice. Here's someone who says, I'm
a realtor with a buyer looking what's your contact information?

Speaker 2 (35:44):
There you go. You can reach me at that mortgage
guy Don on Instagram, or at that mortgage guy or
that mortgage either way, that mortgage guy Don on the
website or on Instagram, and you can reach me there.
The people that want to apply for a pre approval,
you just go to the website and there's a button
at the top that says apply now, and that starts
your preapproval journey. If their first time home buyers, we'll

(36:06):
check and see what programs they're eligible for, any down
payment assistance. All of that is part of our pre
approval process, and we only do a soft credit pull
to do that so it doesn't affect their score. So
thank you for listening, thanks for texting into seven seven
zero three one. That's how you do it.

Speaker 5 (36:20):
So I go back to our question, yeah, from before
the great table.

Speaker 2 (36:23):
Here you go.

Speaker 5 (36:23):
Can you talk about who benefits from a reverse mortgage?
I'm retired seventy nine on a fixed income, but it
makes sense for me to do it. I need cash
for home and car repairs. I have no interest in
another monthly mortgage or helock payment. My situation is very tight,
living on thirty five hundred a month, and half goes
to the mortgage each month.

Speaker 2 (36:43):
Yeah, that's so. The initial question was can you talk
about who would benefit from a reverse mortgage? You pretty
much just described it someone who is over the age
of sixty two, Someone who has equity in their home
and would like to access it without taking on a
new payment like a heelocked payment or a mortgage payment.
Someone who is on a fixed income, so their income,
you know, insurance goes up every year, taxes go up

(37:05):
every year, but your income is fixed or with small
you know, cost of living increases. So you pretty much
described it. That is a person who would benefit from
a reverse mortgage. Why, well, you can access some of
the equity and your property and you wouldn't have to
pay that full mortgage payment anymore. The part that's principal
and interest, you wouldn't pay anymore on reverse more, you
still have to pay your taxes and your insurance and

(37:26):
any HOA fees. But so i'd say about seventy five
percent of your mortgage payment, which I think they said
was what seventeen hundred They said it was half of
thirty five. So you know, if you get your monthly
mortgage payment down to about four or five hundred to
cover the taxes and insurance per month. You can do
that on your own, or we can set it up
as an ESCRO account, but it will allow you to
access the equity in your home, either as a lump sum,

(37:50):
like you can take out a big chunk to do
the repairs you need to do. You can put it
into an equity line that's part of the mortgage, where
you earn interest on that equity while it's there, or
you can you can even set it up so that
you get a monthly payment like you can get you
if you have enough equity, you can get a thousand
dollars a month paid to you to supplement your fixed income.
So a reverse mortgage is definitely something that helps people

(38:12):
in that situation. It's almost easier for me to talk
about because you have to be sixty two or older.
The people that are sixty two or older that it
wouldn't benefit to me as much are people that have
a lot of retirement. You have, you know, fat income
in retirement land. You know, you're not just living on
Social Security or you've got hundreds of thousands or millions
saved and in four to one ks and that kind

(38:33):
of thing, then you probably don't need a reverse mortgage.
Or reverse mortgage is really for those folks that don't
have those other avenues and you're tight, like the person described,
things are tight. You're you know, you're in you're seventy
nine and you're struggling. You're you're getting thirty five hundred
a month. Seventeen hundred of it is going to your
mortgage payment. That leaves you around three hundred and fifty
dollars a week to spend good life. That's that's that's who.

(38:55):
That's who could really benefit from a reverse mortgage. Yeah,
great question, Thanks for texting that into seven seven zero
three to one.

Speaker 5 (39:02):
Why do you hid credit pulls affect your credit score?

Speaker 2 (39:05):
Well, I didn't you know. The system is created in
a way that it keeps tries to have some safeguards,
some some ultimate safeguards. Meaning let's say you go out MJ,
you go online and you can apply for a credit card, right,
but what if you decide, you know what, I'm going
to a Ruba. I'm gonna apply for one hundred credit
cards today, and each one I'm going to get a

(39:26):
five thousand dollars balance. So I'll have five hundred thousand
dollars in credit and I can, you know, flee the
country and go go to South America. But the system
keeps you from doing that because every time you apply
for a credit card, it's going to lower your score
a little bit. So at a certain point, the system
is going to have like a fail safe that keeps
you from doing that crazy of just keeping borrowing borrowing, borrowing,

(39:50):
or even some sort of scammer or some sort of
you know, computer theft of your identity that would do
a similar thing. So your score is going to drop
down to where if you get five or ten attempts
to try and get a credit card in one day,
hitting all three barrows, your score is going to get
low enough to where you're not going to be they're
not going to be getting approved. So that's basically it is,

(40:12):
as you borrow more and more, or you try and
access more and more, it off sets your score. Like
when you buy a brand new car and c greet
a brand new car payment, guess what your credit score
is going to drop For the first it'll drop fifty
points or so after you buy that car because you
put a big thirty forty fifty thousand dollars debt on
your credit. Once the system sees that you've paid it
on time for three months, and then on time for
five or six months, then your score is back to

(40:33):
where it was, so it'll rebound. Now. With mortgages and cars,
there are some rules that help protect you from your
score getting danged, Like when you do a mortgage credit poll.
Let's say you do it with somebody else or with me.
It's all one system. So if you go to one
place and get your mortgage credit pulled and then come
to me and we also pull it any time within
a forty five day window, then you're exempt from that

(40:55):
score hit or that score dank. So there's a forty
five day window for mortgage credit pulls. You pull that
first one, anything in the next forty five days does
not affect your score. On auto loans, it's thirty days.
So if you go to an auto dealer and they
shop your your credit to ten different places to see
which one's going to do your auto loan, you'll only
get hit. You should only get hit with one score ding,

(41:17):
which is usually about three to five points. It shouldn't
be a big, massive hit.

Speaker 5 (41:21):
William says, I was required to use old maps to
be a navigator as a kid on family trips.

Speaker 2 (41:26):
Right, that's right, that's a good job back in the day.

Speaker 5 (41:29):
Kid probably age man learn stuff.

Speaker 2 (41:32):
Back in the day when you were going on a
family trip. One of the things you could do is
if your family had triple a oh, you could get
this thing called a trip tick, which was like a map,
like you say, okay, we're going to Rhode Island, and
you know, it's like it's it was like a flip book.
It's like the size of I don't know. You take
two smartphones, back them together, and it had a spiral

(41:53):
at the top and it was like kind of hard cardboards,
and so you flipped it over as you went on
the trip and it showed your map. It was highlighted
and you as a kid could follow along like it
would have different foldouts and things along the way that.

Speaker 5 (42:04):
You could to up for the biggest bullet wine.

Speaker 2 (42:06):
Yeah, you could torment your parents to take you. It's
called a trip tick, like a trip ticket, and that's
how I used to do trips as a kid. And anyway,
I don't know where it's going with talk about mass
it's better. It's better now now your car says turn
left in two hundred yards.

Speaker 3 (42:21):
You know, it was cool to the first time.

Speaker 6 (42:23):
I know that we're up against some break, but it
was cool the first time saying how far Orlando was
from Atlanta and how big Atlanta was, Like, you know,
all all.

Speaker 3 (42:32):
Roads lead to Rome.

Speaker 6 (42:33):
When you see big cities, do you understand that, oh,
all of these roads lead to Atlanta, Like you know,
all you have to do is just connect here, connect here,
connect there, And that it made it easier to drive
around you.

Speaker 2 (42:46):
Know, yeah, Atlanta, I think, if I'm not incorrect, to
Atlanta actually is a translation of the word terminus, which
terminus the end of it, you know, where everything ends
and begins.

Speaker 5 (42:56):
Which is kind of interesting, which is kind of true.

Speaker 2 (42:59):
Right, Well, it looked like that when you look at
I seventy five.

Speaker 5 (43:02):
Yeah, or the airplanes too, like a lot of Atlanta
is a hub, you know, I mean Atlanta is a
hub for things.

Speaker 3 (43:07):
Yeah, there you go.

Speaker 2 (43:09):
Where you are listening to the Home Loans Radio Show
with that mortgage guy down. We're gonna take a break.
We'll be right back at the top of the hour.

Speaker 5 (43:15):
See you.

Speaker 4 (43:15):
Then away away, bombs Away it away away.

Speaker 2 (43:47):
Hey hey hey, hey, hey hey hey, bombs Away.

Speaker 5 (43:51):
Oh I love it.

Speaker 2 (43:51):
Yeah, that's a good one. I think it's called bombs
Away by Florida Slang. Am I correct.

Speaker 6 (43:58):
That's a real Fritz, the real Fritz, the real Fritz,
And that's on Fritz's Redux version because I you know,
the original song had drums, but I'd like the three
part harmony.

Speaker 2 (44:08):
Ah, that's a good one. I enjoyed that one. Welcome
back to the Home Loans Radio Show. As always, our
rejoins Fritz's original music from Us one of as many
bands albums endeavors. You can find Fritz's music anywhere you
find music. Look for the Real Fritz Volumes one, two,
three to seven thousand. In the future, we got Florida slang.

(44:32):
We got Corus Incorporated with Sabrina Ambret. What's your pleasure?
You know, you go go and search it. You can
also follow Fritz on No Underscore Regrets, Underscore Coyote on
Instagram and while you're there, follow at that mortgage guy
Don Welcome back to the Home Loans Radio Show. Thanks
as always for sharing your original music on the show.

Speaker 3 (44:51):
Mister Fritz anytime.

Speaker 2 (44:53):
Speaking of which, people are going to get a chance
to see you perform again live Halloween coming up, so exciting,
not as the real Fritz, not as Florida slang. Who's
it going to be Prince of dark yea, the Prince
of darkness? That sounds ominous.

Speaker 3 (45:10):
It's going to be the real, the fake.

Speaker 2 (45:14):
There you go, the real fake, real fake.

Speaker 5 (45:17):
That's awesome.

Speaker 2 (45:18):
That's gonna be at Will's Pub Halloween night. If you
don't have plans, you do, now, that's right, join us.

Speaker 5 (45:23):
Here's someone who says those Triple A maps were the
best fund memories. Somebody else who says traveled all over
North America many summers using triple A trip tickets.

Speaker 2 (45:33):
Yeah, there you go. That was the thing.

Speaker 5 (45:34):
And you just if you remember, you just sent them
your you called them and told them your thing, and
then you went picked it up.

Speaker 2 (45:39):
You had to go to the place. There's like a
big Triple A. I don't know if it's still There
was a massive facility in Lake America before. Yeah, you
had to go there and get it and pick up your.

Speaker 5 (45:48):
Somebody's job to put that trip together for the for
them barcle sons are going to Indiana, let's get their
little book ready.

Speaker 2 (45:56):
You know how they work so well because on the
way back you just flipped it the other directions.

Speaker 5 (46:04):
All right.

Speaker 2 (46:04):
Then that's as a kid, how you learned going north
from going south. There you go.

Speaker 5 (46:08):
See we didn't have triple it.

Speaker 2 (46:11):
Oh well, I guess. I mean, we didn't have air conditioning,
but we had triple A.

Speaker 5 (46:17):
Okay, well there you go.

Speaker 2 (46:20):
Shout out to my friends over at the Orlando Shine Show.
I got to hang out with the guys the show
that aired last night. I was on with Brendan O'Connor
and John Bustecker and Mod DeWitt. We hung out, had
lunch at the Porch. Thanks to the Porch for having
us out there. Did the did the show for the
Orlando Shine Chairs Fridays at eight o'clock. Or we're working

(46:43):
on some we're collaborating. We're working on some things together
with Orlando Shine. Check them out. Uh, and check out
the website, check out social media for Orlando.

Speaker 5 (46:53):
So The Orlando Shine is a website, I mean originated
by Brennan Brendan b. Yeah, and it's all things Orlando.
It's all things Orlando. It's really not about national news.
It's really about Orlando, Florida stuff that's local stuff that
really matters to you, like where's that cat in Thornton Park,
or which restaurant is opening and closing and what's coming

(47:16):
and what's you know, what legislation is going to affect
any It's a it's a really great resource and I
am excited about it.

Speaker 2 (47:24):
Yeah, it's it's well done. Check it out. It's been
up in their website's been up and running. Social media
is up and running. Check it out and check out
their show Fridays at eight pm on Real Radio.

Speaker 5 (47:33):
And there's like real journalism, liked journalists like you went
to New Orleans and interviewed people in New Orleans about
how they're doing their downtown situation and how it's different
than what we're doing and what maybe we could learn
from them, which, you know, we need to do something different.
So it's helpful for somebody to also be you know,
looking at things a different way and not just you know,
shrugging their shoulders saying well, I don't know.

Speaker 2 (47:55):
There you go.

Speaker 5 (47:55):
I don't know what to do. So I enjoy that
part of it.

Speaker 2 (47:58):
But anyway, thanks for having me on the show last night.
It was fun, had a good time as always, and
we'll see you next time. But stay tuned. We got
some exciting things that we're going to collaborate on with
The Orlando Shine and our whole You know, you eat local,
you shop local. Why not mortgage local?

Speaker 5 (48:13):
Oh, definitely mortgage local.

Speaker 2 (48:15):
You're listening to the Home Loans radio show, What you got, MJ?
You got? I think?

Speaker 5 (48:19):
Let's do that compare quote?

Speaker 2 (48:20):
You think? So?

Speaker 5 (48:21):
Yeah?

Speaker 2 (48:21):
Guess what time it is? Yeah, it's time for the
Compare Quote of the Week dot Com Compare Quote of
the Week. What's that you asked? Don't worry, I'm going
to tell you something this week. It revolves around something
that we've been talking about, which is a Hometown Heroes
down payment Assistance program which came back August eighteenth. That's

(48:45):
a program started out with fifty million in it for
helping first time home buyers get into homes. It's called
the Hometown Heroes program because it limits the occupations that
you can have, but you can get up to thirty
thousand dollars in down payment assistance or closing or closing
costs with this program. If you are a military veteran,
if you work in the field so what they call

(49:05):
first responders, if you work in education, if you work
in the medical field, if you work in you know,
a city worker, municipal worker. There's tons of occupations that
qualify for this. You can go to my instagram at
that mortgage guide don and at the bottom you can
click a link that will take you to the full
list of all the occupations. But in the compare quote
of the week. This is something that I started a

(49:27):
couple of years ago where after a study where it
said that most people eighty percent of people do not
get a second quote after they get their first mortgage quote.
And so I created a place on the website where
people can just go up real easily and upload that quote,
and I'll tell you if it's any good or not.
Simple as that, you know, it doesn't have to be
a big hard thing. You just go and go to
my website, click the button that says compare quote, Bing bang, boom.

(49:49):
I'll tell you if it's any good. This particular person
happened to be a school teacher buying their first home,
and they were preapproved, they were under contract, they were
ready to go. They already found the house, they already
had a accepted the offer they had. They decided to
check at the last minute because it was going to
get them the house, but it was going to take
about thirty six thousand dollars of their savings to be

(50:10):
able to get into the house. But a lot down payment. Yeah,
it's a lot. Not only was it a lot, it
was all but about four thousand of their total savings.
They had about forty thousand in total. So they wanted
to see if there was any option out there where
they could use less of their money. They came to
me with their Compare quote and I took one look
and said, you qualify for the Hometown Heroes program. I
can get you twenty thousand dollars grant towards your down

(50:32):
payment and closing costs. Not only that, are we were
able to do it with three percent down. They were
trying to do it with five percent down, so that
lowered the payment quite a bit, the down payment quite
a bit and the rate was almost a point lower,
saving them about two hundred dollars a month on the payment.
So with the grant that we were able to get
them of twenty thousand dollars, they only needed five thousand

(50:53):
dollars of their own money instead of thirty six thousand
coming out of savings. Only five thousand came out of
savings and we got them a lower payment. So if
that's something you your first time home buyer, you think
you might be interested in, you can go to the
website and apply at that mortgage guy don In summary,
A shiny Apple, a brand news start. The cash to

(51:14):
close broke teacher's heart. Thirty six grand cash for three
bedrooms would leave the bank account on fumes. Hometown heroes
paved the way to keep thirty one grand for a
rainy day? Are you approved? But the cash seems high?
Compare your quote with that mortgage guy Don.

Speaker 3 (51:32):
That is play the dumbs.

Speaker 4 (51:40):
Dot com?

Speaker 5 (51:42):
All right, I really enjoy the I enjoy the poem.

Speaker 2 (51:45):
I threw in a little Beverly hillbilly.

Speaker 4 (51:47):
Yah.

Speaker 3 (51:47):
You did it was great?

Speaker 5 (51:48):
Yeah, that's the compare quote.

Speaker 2 (51:52):
How do you do it? Go to the website? Nothing
to it but to do it. It's free and easy
and saves you money. There you go. What else we
got going on over there? You can text your questions
into seven seven zero three one. We still got time
to get them on air with MJ. Tell her what
you're doing out there.

Speaker 5 (52:07):
There's someone says that Don Mo called you out the
other day for eating pizza when he took you out
for chicken Farm.

Speaker 2 (52:11):
I am well aware.

Speaker 5 (52:14):
I mean, did he say we're gonna go eat chicken farm? Like,
did you understand the assignment? But what happened there? You
just went rogue.

Speaker 2 (52:21):
No, the bit is Mo eats chicken palm, and I
didn't understand that.

Speaker 5 (52:24):
You're supposed to eat chicken farm with Mo.

Speaker 2 (52:26):
Well, nobody told me that. Okay, I didn't even know
there was gonna be a video. I know we were
going to lunch. It was John and a bus stucker Mo,
and we went out till I thought we're gonna have
a lunch and chout, you know, catch up, and then
you know, John started filming everything and Moe's eating parm.
I'm like, oh, and they're like, okay, what do you want?
Do you want some chicken parm? You want chicken parm like, No,

(52:47):
I don't. I mean, I'm okay with chicken parm. But
if there's pepperoni pizza and I got a choice, I'm
gonna choose the pepperoni pizzas. But I got, I got,
I got what do you call it? Flamed? Roasted?

Speaker 5 (53:00):
Okay, I got part.

Speaker 2 (53:01):
I got roasted for not liking parm.

Speaker 5 (53:04):
You like it, don't you?

Speaker 2 (53:05):
Oh?

Speaker 5 (53:05):
Sure everybody likes it, but you know I never think
of chicken parm as a lunch.

Speaker 2 (53:09):
Well, and then you know, I said I had a choice.
In my defense, I had a choice between pizza and
chicken farm. Uh And and then Moe said, you could
have ordered both, but I thought, you know, if I
ordered both, I would have had to pick up the tab.

Speaker 5 (53:24):
So right, Well, William says, love the poem every week.

Speaker 2 (53:29):
Excellent, thank you, thank you.

Speaker 3 (53:31):
Yeah, that was your best one.

Speaker 5 (53:32):
Oh, it was a good one.

Speaker 3 (53:34):
Though I liked it a lot, it was your best work.

Speaker 5 (53:38):
I need to evaluate them all. I need to sit down.
And really, I wouldn't want to disparage any other gems
that I've forgotten about. But I loved it. Had a
whole story, you know, I love it started with an
apple and.

Speaker 2 (53:50):
Took there an apple because there was a teacher, right,
I got it.

Speaker 5 (53:54):
I was like, okay, I enjoyed that whole thing, enjoyed
it very much. So I have questioned on the hometown
here is how's that money hold Now?

Speaker 2 (54:02):
It's actually holding up way better than in past years. Yeah,
because they limited the occusation again. Yeah, last two years
there were no limit on any occupation as long as
it was a Florida based business. Now they went back
to the original plan and it's taken a longer to
go through because obviously that applies to maybe ten or
twenty percent of the occupations out there instead of all

(54:23):
of them. So it's going fast slower. When I looked,
I think Thursday, there was around forty million left.

Speaker 5 (54:28):
So my other question is why wouldn't the lender that
they were working with have looked at it.

Speaker 2 (54:33):
A lot of banks and lenders flat out will not
do anything that's down payment assistance or any first time
home buyer program. They just won't do it.

Speaker 5 (54:40):
They it's just too much trouble for them, or they
don't make the money, or well, well I guess they
were going to make thirty six thousand more dollars.

Speaker 2 (54:47):
Well, no, they weren't get to. I mean that would
have gone into the equity of the well. The closing
costs wouldn't, but some of it would have gone into
the equity. So I have to go to training for that.
I have to train my whole staff for that. We
have to work with banks and wholesale lenders that work
with that program. It's not very easy to set up,
and you know, we may only do ten or twenty

(55:09):
of those in a month, So for a lot of banks,
it's just not worth the effort. For me, it is
because it takes care of people. It helps, especially veterans.
I'm a veteran Army veteran and it helps. It helps
people out there, so I'm for me, it's worth going
through that. I'll call it hassle. It's extra energy, it's
extra training, it's extra effort to be able to offer
the Hometown Heroes program. But I think it's worthwhile.

Speaker 5 (55:31):
Here's someone who says, good morning, Deput Scott, making a
waffle and some bacon, packing up for tailgating and headed
to otown. Go night, charge on and also today is
National Tailgating Day.

Speaker 2 (55:41):
What it is? W Scott?

Speaker 5 (55:43):
Right on point. Depy Scott way to be right on trend.

Speaker 2 (55:47):
I'm glad to hear you doing something for yourself today. Yes,
thanks Scott. You're always out there training teenagers.

Speaker 5 (55:51):
I'll be teaching anybody anything keeping.

Speaker 2 (55:53):
The streets safe. Today. We'll stay out of trouble.

Speaker 5 (55:57):
I suspect that there'll still be some you know, gating safety.

Speaker 2 (56:01):
Oh right, you know maybe one key to tailgating, and
you see is if you get on that top floor
of that garage, your tail gating an hour and a
half after.

Speaker 5 (56:11):
Oh man, I've gotten to where I'll just avoid going
anything there.

Speaker 3 (56:14):
Yeah, that's just you. Just text and go. Sorry, brother,
can't see your graduation.

Speaker 5 (56:19):
I'm sick. I just really wanted to be here.

Speaker 3 (56:21):
You drive home.

Speaker 5 (56:23):
I really wanted to be there.

Speaker 3 (56:24):
You'll be a great doctor, I know you will everywhere.
I'll hang out with you tomorrow.

Speaker 5 (56:28):
End me the video.

Speaker 2 (56:30):
Every performer at us like, why has everybody leave ten
minutes early before that?

Speaker 5 (56:35):
No, it's so bad.

Speaker 2 (56:37):
It's last time I was up there. I was on
the top top, you know, with the open air parking deck.

Speaker 3 (56:42):
They have so much space for parking too. It's a
massive campus. Now.

Speaker 2 (56:47):
You may as well bring your lunch because it is minutes.

Speaker 5 (56:51):
And it's a way that it's designed that each car
has to back out into the lane. So it's not
like you can just go like you have to back.
Everyone has to wait for you to back into the lane.
Someone has to let you. And that goes for every
every row. So if you're at the top, you're waiting
for all those people. Oh, it's forget it. Just bring
a tent, Bring a tent and chairs and I don't know,

(57:13):
a little TV because you are there for the duration.

Speaker 2 (57:17):
Use the bathroom before you lease.

Speaker 5 (57:19):
Oh my gosh, use the bathroom. It's it's so miserable,
and I don't go that often, so every time I go,
I've forgotten, yeah, the pain of it. And then we
pull in and I think, I remember this grud.

Speaker 2 (57:30):
That's why you got an uber.

Speaker 5 (57:32):
Honestly, you do. Even if you just Uber down.

Speaker 2 (57:34):
The street Uber from Ruby Tuesday.

Speaker 5 (57:36):
H right, just get somewhere that you don't have to
be in that malay of tragedy.

Speaker 2 (57:42):
You're listening is the grute to MJ's opinion of the
parking situation. Yeah right here on a radio one to
four point one. We'll be right back for the final
segment of Today.

Speaker 1 (57:52):
Do you have a question for that mortgage Guy Don
text us at seven seven zero three one. Now back
to Home Loans Radio, Unreal Radio.

Speaker 5 (58:01):
Ah, another Saturday in the books.

Speaker 6 (58:03):
Here on Real Radio one of four point one with
Home Loans Radio.

Speaker 3 (58:08):
I'm Fritz.

Speaker 6 (58:08):
We've got MJ and that mortgage got mortgage Guy Don.
You can follow him on Instagram at that mortgage Guy Don.

Speaker 2 (58:15):
There you go, Welcome back to the Home Loans Radio show.
Did you hear about? Did you hear about? Dwayne Johnson?

Speaker 3 (58:24):
What about him?

Speaker 2 (58:25):
Now? Dwayne Johnson uncontrollably sobs as the Smashing Machine gets
a fifteen minute venice standing ovation and generates oscar bots
at the Film Festival Film Festival. He's he's in a
show called the Smashing Machine that's about a UCF fighter
or not UFC fighters.

Speaker 5 (58:46):
I was so excited talking about you. I know, you
see a fighting program like.

Speaker 2 (58:51):
Like an MMA fighter and you got a fifteen minute
standing ovation after the performance.

Speaker 5 (58:56):
Those are so bonkers, those evations.

Speaker 2 (58:57):
I don't know how you do that. I've never that long.

Speaker 5 (59:01):
That's a long time.

Speaker 2 (59:01):
He was sobbing, uncontrollably. But they're saying that it's very
maybe possibly his finest work, although we're up against Jumanji
and you know, Fast and Furious and some other things.
So I feel like it could be true. This could
be his best work.

Speaker 5 (59:20):
I feel like even I have not seen it, but
I'm going to go ahead and say I think it
probably is.

Speaker 2 (59:24):
Another I meant to say this earlier. Another big piece
of mortgage news that I failed to mention in the
beginning of the show. I had mentioned I've mentioned in
past weeks about triggered leads. What those are. That's where
the credit bureaus ECOFAX, Experience TransUnion could sell your information
to telemarketers after you did a mortgage credit poll and
then you get bombarded by calls from other mortgage companieses. Well,

(59:47):
the wall passed through the Senate in the House to
stop this practice. It was it was the bill was
brought forward bipartisan. There was two Democrats and two Republicans
that brought this bill forward. It got passed through the
Senate and the Congress with no adjustments, and then the
President signed it on Friday. So this is officially law

(01:00:07):
now that they can't do that. However, one caveat. They
say it will take one hundred and eighty days to implement,
so six more months of that, but supposedly after that
they won't be able to do it anymore. So I
feel like that's the right thing. It was set up
that you had to opt out of doing this. Now
it's the other way around. You have to opt in
if you want to do this to where you'll have,

(01:00:29):
you know, a thousand people call you.

Speaker 5 (01:00:31):
Here's somebody who says, isn't it funny the person who
should be reading the map is also the person who
should be driving. Love you guys, Marshall and Lake George.
I mean, I think that's true.

Speaker 6 (01:00:39):
Well, when we were in a band, the person who
sat shotgun was called the navvy and they had to
read the map. So the driver did nothing but drive.
They asked for things, got things, and drove right.

Speaker 5 (01:00:49):
I love the amazing race, but an amazing race there's
the driver and the navigator, and the navigator always is
the one who ruins everything. You know, they're coming up
on the highway in some country in a language that
I don't understand. Navigator looks, ma'm goes go right, and
then they, you know, sail off and do the very
wrong direction for a very long time.

Speaker 2 (01:01:06):
Are those windmills.

Speaker 5 (01:01:09):
The driver's like, then that's when you know how the
relationship really is. It's like a father and a son,
or a couple or friends or whatever. But then there's
some blame that needs to be assigned at some point,
and how they manage that the old blame game, the
blame is going to happen.

Speaker 2 (01:01:24):
There you go. Guess what time it is, MJ. It's
time for the speed It's time for the speed round.

Speaker 5 (01:01:32):
No, I'm going to ask you some questions we haven't
answered yet, so we're going to answer them. We're going
to do it at a fast little clip. And at
the end, I'm going to give you a riddle.

Speaker 2 (01:01:38):
There you go. And if and if we didn't answer
your question that you texted in today, don't fret. That
doesn't mean we didn't want to. Just to send it
to me outside of the show, go to Instagram at
that mortgage guide don send me a DM or on
the website you can send me an email at that
mortgage guy don dot com.

Speaker 5 (01:01:55):
Here's somebody Tony says, sixty two this week, but not
retiring until sixty five or sixty seven, would be better
to get a helock or reverse mortgage as they're getting
up there. They owe twenty three years on the present
mortgage and their indust rate is three percent.

Speaker 2 (01:02:13):
That's tough to make that call with this amount of information.
What I normally do is talk to someone, do a
little bit of an analysis, look at your income, you
know when you're going to quit working, and then we
can kind of do the math both ways and see
what's going to make more sense with you. By and large,
with a reverse mortgage, you have more access to larger
portions of the equity as you get older. Okay, so

(01:02:33):
reverse mortgages aren't about credit score. They're more about your
age and about the equity and the property rather than
credit score and income. So two different formulas and to
you know, analyze them and look at it both ways
as the way to go.

Speaker 5 (01:02:46):
So at sixty two, you're going to get the least
amount of benefit.

Speaker 2 (01:02:49):
Yeah, you mightn't get more when you're older, that's right,
because you get to live in your house for as
long as you're going to live there without paying a
mortgage payment anymore. You still pay your taxes and insurance
and your HOA, but you get to live there for
as long as you So younger people are going to
be living there a lot longer than. God, you know,
someone who's eighty five doing a reverse is probably going
to be in the house longer than someone who's sixty
five doing a reverse.

Speaker 5 (01:03:09):
You say, like, I'm sixty two, but I really don't
have a healthy lifestyle.

Speaker 2 (01:03:15):
Well, I don't know how that will help your your
reverse mortgage approval.

Speaker 5 (01:03:19):
But I mean you could just really convince them.

Speaker 2 (01:03:21):
So you're a better candidate.

Speaker 5 (01:03:22):
I'm saying, yeah, like, I'm not going to be here.

Speaker 2 (01:03:24):
So I'm only sixty two, but I drink fourteen beers
a day.

Speaker 5 (01:03:27):
I'm sixty two, but pizza is my only food.

Speaker 2 (01:03:30):
There you go. I don't know. You're onto something. M
I mean they do that for health insurance or preferred
rates to life insurance.

Speaker 5 (01:03:36):
Yeapposite, And then as soon as you get approved, it's
only veggies for you.

Speaker 2 (01:03:41):
No, there you go. It's on the day of your
reverse mortgage when you quit drinking and smoking.

Speaker 5 (01:03:46):
Yep, and you're living the clean life.

Speaker 2 (01:03:49):
I think that's a plan.

Speaker 5 (01:03:50):
I thought I did home set exemption a few years
ago in twenty twenty two, and we bought the home.
But how do I be sure? How can I be sure?

Speaker 2 (01:03:56):
Oh, just go to the county website and look at
your tax bill and it'll show on there whether you're
getting a twenty five thousand dollars exemption, which is the
standard homestead exemption. If you had a carryover where you've
owned a couple houses in Florida, then you might have
a fifty or fifty five thousand dollars deduction. But you
can see it right there on your tax bill. It
shows what your exemptions are.

Speaker 5 (01:04:14):
Do you offer SBA and business loans?

Speaker 2 (01:04:16):
Absolutely sure. We have an entire team devoted to SBA
and business loans. Diana is my team leader there and
she has been doing SBA and business loans for over
thirty five years.

Speaker 5 (01:04:27):
I have a refinanced quote from a bank. How do
I do the compare quote thing?

Speaker 2 (01:04:31):
You're not gonna believe how easy this is. You go
to that mortgage guy don dot com. You click the
button at the top that says compare your quote, You
upload the quote, You tell me your credit score and
your email address and your phone number, and get you
some answers, usually the same day. All right, real time,
reriddle time, Fritz. Now, Fritz smoked me so bad on
the riddle last week. I wouldn't even.

Speaker 3 (01:04:52):
Because I knew a word. Come on, get there, I
mean you knew the word.

Speaker 2 (01:04:56):
Yeah, so I'm okay, close your ears, Fritz, go ahead
with the No.

Speaker 5 (01:05:02):
No, Fritz, you're in there. You do it, You got it,
you got it all right? Here we go. Whoever makes
it doesn't tell, whoever takes it, doesn't know. Whoever knows
it doesn't want it. What is it? The truth?

Speaker 2 (01:05:17):
Oh?

Speaker 5 (01:05:17):
I like that, but no, whoever makes it doesn't tell.
Whoever takes it, doesn't know, whoever knows it doesn't want it.
What is it.

Speaker 2 (01:05:28):
Not a nap?

Speaker 5 (01:05:29):
Makes so I'll tell you it's an actual thing, thing
you could hold in your hand. Okay, philosophical. Whoever makes
it doesn't tell, whoever takes it, doesn't know, whoever knows
it doesn't want it.

Speaker 2 (01:05:43):
What is it a secret?

Speaker 5 (01:05:46):
It's a It's an actual thing you can hold in
your hand. It's like an actual thing, is it? Veal?
Let's think about that. Whoever makes it doesn't tell. That's
fair because the cow does not tell. Whoever takes it
doesn't know that could happen, and whoever knows it doesn't
want it. Fair enough?

Speaker 2 (01:06:03):
Responsibility? Oh, it's something you have a broken glass?

Speaker 5 (01:06:12):
I don't even know how to give you a hint.

Speaker 2 (01:06:13):
Come on, Fritz, are we gonna have to give up
on this one?

Speaker 5 (01:06:15):
I don't know, man, Whoever makes it doesn't okay, Whoever
makes it doesn't tell you they made it. Whoever takes
it doesn't know something about it that makes them not
want it. So somebody makes it. Somebody makes it. Somebody
guessed a fart. No, it's a thing you can hold
in your hand. It's an actual fake.

Speaker 2 (01:06:32):
Oh, you can hold it in your hand for five
seconds at least.

Speaker 3 (01:06:36):
Yeah, and then you say, hey, check this out, and you.

Speaker 5 (01:06:41):
All stop with it. Can't do a quick skill. Whoever
makes it doesn't tell anyone that they made it this way.
Whoever takes it doesn't know it was made that way.
Whoever knows about it knows it was made that way.
They don't want it because it's worthless.

Speaker 2 (01:06:56):
Is it a blood diamond? I'm gonna give you the answer,
Give us the answer, MJ.

Speaker 5 (01:07:01):
Counterfeit money m Whoever makes it doesn't count. Okay, whoever
takes it doesn't know it's counterfeit, and whoever knows it
doesn't want it.

Speaker 3 (01:07:11):
That makes sense.

Speaker 2 (01:07:11):
That's a good riddle, all right, it's a first.

Speaker 5 (01:07:13):
Stopper, might be the first number of this year.

Speaker 2 (01:07:17):
Wow, well done, I'm Jay. All right, Well, folks, you
did it. You successfully wild away another ninety minutes of
your Saturday listening to us right here on Real Radio.
Play us out of here with something cool.

Speaker 1 (01:07:27):
By bye, game, you've been listening to Home Loans Radio

(01:07:50):
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.

Speaker 4 (01:08:00):
Kh