Home Loans Radio 10.25.2025 With That Mortgage guy Don- Fed rate cut coming next week?

Home Loans Radio 10.25.2025 With That Mortgage guy Don- Fed rate cut coming next week?

www.thatmortgageguydon.com

Episode Transcript

Speaker 1 (00:00):
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(00:32):
free never sounded so good. The following is a paid program.
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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 4 (00:55):
Hey hey hey, hey, hey, hey hey, good morning and
welcome to the Home Loans Radio Show with that mortgage
guy Don. That's right, it's me. We're here doing what
we do every single Saturday. I'm here with my Krew.
Good morning, MJ.

Speaker 1 (01:08):
Good morning to you.

Speaker 4 (01:10):
Oh you sound so sunny.

Speaker 1 (01:12):
It is sunny. There you go.

Speaker 4 (01:14):
Good morning, mister Fritz again.

Speaker 1 (01:18):
Oh yeah, we're here.

Speaker 4 (01:19):
We're doing it for what now, over three hundred Saturdays
in a row, right here live on Real Radio, one
of four point one, the most talked about, the most
listened to, the most live show right here on Real
Radio on the morning in the mornings on Saturdays. And
that right, m Jay, what are we talking about here?

Speaker 1 (01:37):
We talk about mortgages. Mortgages we do. It's so much
better than it sounds.

Speaker 4 (01:43):
Now every other week you try and redirect me to
something other than mortgages.

Speaker 1 (01:46):
Not this week. This week it's mortgages. I think we'll
just start with mortgages and see where it goes.

Speaker 4 (01:51):
What do you think about that, Fritz?

Speaker 5 (01:53):
What do you think that's a good plan? Are going
to start with mortgages and see what happened?

Speaker 1 (02:00):
Show meeting concluded. It's National Greasy Food Day. I don't know.
Is that something we want to celebrate. I'm pretty sure
I have weird Yeah, it's a weird one. National greasy food. Yeah,
that's a whole genre, right. I don't know so much
to think about.

Speaker 4 (02:18):
You could text in your comments, questions, salutations, tell us
what you're doing out there to seven seven zero three one.
That's right, it's a live show. We're here, we're doing it.
Text into seven seven zero three one. Any questions you
have about mortgages, home loans, real estate, buying a home,
business loans, reverse mortgages, helocks, refinances, any of that you

(02:38):
can talk about here during the show today. Texted into
seven seven zero three one, and we'll find out.

Speaker 1 (02:44):
How's that going. How's that going the mortgages? Mortgages, Yeah,
it's going pretty good. People getting them, people are getting them. Yeah,
we're seeing record mortgage number, record different things.

Speaker 4 (02:59):
That's how it works. Different companies. You know, it's going
to be a tale of two cities at different mortgage
companies are going to be in different scenarios. You know,
we're we're having record months, record years. We're doing fantastic. Uh,
we're the business of refinances has come back because rates
are now down for a lot of qualified people, down
in the fives. So if you have a six or

(03:19):
a seven in front of your rate, then you saw
the South Park.

Speaker 1 (03:24):
Yeah, that's the thing. The kids are doing it.

Speaker 4 (03:28):
I still don't understand it. Understand the six to seven thing.

Speaker 1 (03:31):
For it's no, it's very confusing.

Speaker 4 (03:33):
It's not for us.

Speaker 1 (03:34):
It's for it's not for us.

Speaker 4 (03:37):
You have to have a one or a one in
front of your age.

Speaker 1 (03:41):
Okay, okay, you.

Speaker 4 (03:43):
Have to have to be uh maybe in school to
understand it. Yeah, that's not for us.

Speaker 1 (03:47):
Six seven. Anyway, you said, if you have a rate, like,
if you.

Speaker 4 (03:50):
Have a rate with a six or a seven in
front of it, you should be looking at refis right now.
I'm we're refinancing a lot of people. Two years ago.
Rates were in twenty twenty two, twenty twenty three, rates
were in the seven to eight range even some A
lot of purchases got done in the low eights, and
we're seeing those folks come out to refinance. I had
one the other day seven point seven to five, and
we refinanced them down to five point five, save them

(04:14):
about three hundred and eighty dollars a month. The good
news for them was that their insurance were not good news,
but their insurance had gone up about one hundred uh
and then we were able to save them three eighty
and still, so they had a net savings of about
three hundred and did the refinance. So we're seeing tons
of those super busy. I'm expecting. I'm expecting they're going
to announce another FED rate cut at the next FED

(04:35):
meeting based on the inflation numbers.

Speaker 1 (04:38):
Don't have the date in my head. I'll have to
I'll take a like a month coming up. I believe it.
Never mind, Yeah, I don't, I don't. I remember sometimes
I remember.

Speaker 4 (04:47):
I think I know there's an end of the year
meeting in December, but I think there is a another
meeting in November where they might cut the rate. I'll
double check, But that looks like that might come down,
which doesn't change mortgage it's exactly, but it does eventually
trickle down to to mortgage rates. It also will help people's.

Speaker 1 (05:06):
Credit card Yeah, that's a big one.

Speaker 4 (05:08):
Credit card interest payments go down, helocked payments that are
adjustable will go down, things like that. Student loan payments
that are that are based on that index will go down.
So I think we're going to see that rate cut
next month, and rates. All the predictions are that rates
are going to be, you know, kind of where they
are for a while. They're looking at high fives low
six is depending on where qualified, how how well qualified

(05:29):
you are for most things. Even the helocks we're doing.
The rates have come down we're seeing and those are
directly directly related to the prime we're seeing helocks in
the in the high fives, low sixes in some cases
right now, depending on how well qualified and how much
loan to value you know, you're you're tapping into and
your equity, but definitely seeing better, better rates now. And

(05:51):
I think if you, like I said, if you got
that money, if you've got a six or seven in
front of your your rate right now, you should be
taking a look at it because you're just you're just throwing.

Speaker 1 (05:59):
Out money at this point.

Speaker 4 (06:00):
My general rule is that if it's a bigger loan,
like over three hundred thousand, you got to get it
down at least a point from where you are it.
Loans under three hundred thousand, you typically want to be
able to get it down a point and a half
or two points to be able to make enough difference
to to recoup the closing costs. On that great question,
m Jay, thanks for thanks for asking.

Speaker 1 (06:18):
Yeah, just wondering about it. And as far as greasy
food goes, Fritz, how do you feel about greasy food?
You don't eat meat? Yeah, so you probably don't have
me to eat fries and hell yeah you fries? Yeah?
And uh like onion ring? How do you feel about
any ring? I'll eat anything. I enjoy an onion ring.

(06:41):
I like a ring made of onions.

Speaker 4 (06:44):
What do you like the big fat ones? You like
the little skinny ones?

Speaker 1 (06:47):
What do you like? I like all the onion rings.

Speaker 4 (06:50):
Well, that really kind of explains a lot of things.

Speaker 1 (06:53):
Not a fan of the funion because I don't know
what that is. Fuions are great, what do I mean?
I guess there's a time and a place that's like
a it's the thing that's in ah yeah, yeah, yeah,
but it's like a well that's a greasy food. Yeah,
Potato chips are certainly a greasy food for sure.

Speaker 4 (07:10):
Pork crimes. It's been a minute since I had a
pork crind.

Speaker 1 (07:14):
I don't think. I think I just did that once
when I was a child and said that's not for me.
They still sell us, I'm sure, I'm sure they do. Well.

Speaker 4 (07:25):
That sounds fabulous. You're listening to the Holmans radio show
with that mortgage guy don texting seven seven zero three one.
Tell us what you're doing out there. You can get
your questions in, you know, don't get shut out.

Speaker 1 (07:35):
Get them in. Yeah.

Speaker 2 (07:36):
Yeah.

Speaker 4 (07:37):
Sometimes we get to the end of the show and
we got more than we can more than we can
get to, so get them in early.

Speaker 1 (07:41):
All right. Cool. Here's a question. So my wife and
I are currently going through a divorce. All right, We
have a house that with at least one hundred and
fifty thousand dollars of equity. She wants to keep it
and I want my half of the equity out. The
indust rate we have right now is three percent. We
bought it six years ago. What are some of the
options we have We, you know, have disgree.

Speaker 4 (08:03):
The general guidances when you've got a rate. You know,
back in twenty nineteen, twenty twenty, twenty twenty one, the
rates and a lot of cases were down into the
mid twos. You know, a lot of people have interest rates,
and probably the lowest I've seen around two and a
half maybe two point three seven five and then in
the three percent, three and a half percent, even in
four percent range. If you're if you're in that range,

(08:24):
I wouldn't look at refinancing that loan because you're you're
gonna end up increasing your payment dramatically. You should probably
look at a home equity light of credit or he
lock or a second mortgage, fixed rate loan or something
like that, and you can pay that off over a
short term like ten years, or you can do a
longer term like thirty years, and that way you get
to leave the first mortgage alone and keep the low

(08:47):
payment on that, and then the home equity line of
credit will get you the cash out that you that
you're looking for on that. I think you got to
have a six sixty score to do a home equity
line of credit, So if you've got that to score,
we can help you out with it. If you want
to get some quotes, it's pretty easy. You just go
to the website that mortgage guide don dot com. You
fill out the refinance application, and Monday, Laura the mortgage

(09:10):
explorer will.

Speaker 1 (09:11):
Yeah, I like it. Well, Laura the mortgage Explora explorer
with Laura.

Speaker 4 (09:18):
She'll send you a text, not a text, She'll send
you quotes and like two or three different options, different plans,
and that's it. I feel like it. We'll tell you
the next step, simple as that.

Speaker 1 (09:28):
So in that kind of a scenario, who pays for
all the costs? And everything. Does everyone do the share
in those in the you know, when they're getting it,
they're getting a divorced you're trying to get equiat to
pay off one human. So who carries the loan? How
does that work?

Speaker 4 (09:42):
Uh, Well, it's going to depend you know, it's kind
of a it depends on what their scenario is. I
work with a lot of divorce attorneys in town and
this kind of scenario splitting up the baby, so to speak.
And it depends on what they agree on. So if
one person is leaving the house.

Speaker 1 (09:57):
Yeah, one person wants to leave with money. The other
person wants to right.

Speaker 4 (10:00):
So if the person that is leaving the house, well
they got to find a new house. So sometimes they'll
get a little bit more, Like the other person might
pay the closing costs since this person is leaving the house.
But you never know, and they bought the house. Maybe
one person put all the down payment down and and
now you know, the other person didn't put any down
payment down. So it's really a complete case by.

Speaker 1 (10:20):
Case that's for the lawyers to sort out.

Speaker 4 (10:22):
Yeah, kind of mediators, lawyer lawyers. Sometimes the people sort
it out themselves and then they come to you and say, hey,
we've decided on this, or you can set it up
that that the closing costs are equally split. Whatever, whatever
needs to be done. That's how we do it. That's
why it's not a cookie cutter thing where you're going
to call a random mortgage person and I don't know,
you know that's heard about on the Super Bowl. You know,

(10:43):
you really want somebody who knows what they're doing in
this kind of situation that works with these court orders,
the divorce decrees, the judges orders, the attorney mediation agreements,
all of those kind of things are very very can
be some are very simple, but most, you know, they
can be pretty complex and a lot of moving parts.
And it's our job to make sure that we when
we do a mortgage, we have to follow the the

(11:04):
marital separation agreement, which is essentially a court order from
a judge. So it's it's very important that it's all
followed properly and split up exactly the way it's supposed
to be.

Speaker 1 (11:12):
So one more question asking for a friend, Yeah, so
if the if the who has to qualify for the
mortgage since one person is leaving, is it just the
person who's staying or how do they do that?

Speaker 4 (11:25):
Yeah, you can only have a mortgage on the house
you own, so that would be the person that's staying,
would would be the one that pays that mortgage payment
going forward. Okay, typically just carrious unless they arranged otherwise.

Speaker 1 (11:36):
But I just met who has to qualify, you know,
to get that cash out. So it wouldn't be the
two of them anymore, right or would it? It would?

Speaker 4 (11:43):
It depends on if they're doing this before they're divorced
or after, so there's some nuance there. You can you
can you can split up your mortgage and all that
while you're still divorced, if everything's amicable but friendly. Yeah,
while you're I mean before, Yeah, while you're still married,
before your divorced. Legally, if everybody's amicable and friendly.

Speaker 1 (12:00):
Then you can.

Speaker 4 (12:00):
You can do it ahead of time and then one person,
So they could do a mortgage with two people on
it and then one person quit claim off the deed.
But it just depends. It's always a case by case.
You know, what's going on? Are their feelings? Is it
just logical? You know, is one of them super duper angry.
There's a lot of you know, things that come into play.

Speaker 1 (12:17):
Great question.

Speaker 4 (12:18):
Thanks for texting that into seven seven zero three to one.
You are listening to the Home Loans radio show. That's
how you do it? It texted in and then I answered.

Speaker 1 (12:28):
People are checking in Joe and Delanceys the Bonanza passed
all of her flight checks and is ready to go.

Speaker 4 (12:34):
Oh man, I'm excited, awesome. Can't wait to see the videos.

Speaker 1 (12:38):
Joe, when you gonna take hl R up in Bonanza.

Speaker 4 (12:42):
I'm ready for for a few test flights first before
before I go.

Speaker 1 (12:45):
That has to be a chunk of chain zones take
that plane up every time.

Speaker 4 (12:49):
Yeah, I think I'm trying to remember Bonanzas have two engines.
I believe, Yeah they do. They are a little.

Speaker 1 (12:55):
Costly named Bonanza. No so cool.

Speaker 4 (13:00):
It's like Ford or christ that ends as a type
of aircraft. There you go, the more.

Speaker 1 (13:07):
You know, m J. Moore, You know, Deputy Scott says,
today is dea prescription take back day. You can go
drop your off your old bills at the corner of
five sixty one at South Ridge. There you go from
ten to four.

Speaker 4 (13:19):
Deputy Scott always out there doing the good work, the
people's work. Its trains the kids how to drive. He
makes sure that people know where they can drop off
their things. Thanks for thanks for listening.

Speaker 1 (13:29):
Deputy Scott going out on a date with his lady tonight.
Hubba hubba.

Speaker 4 (13:32):
Hey, now, all right, good for you family show after
a hard day of work.

Speaker 1 (13:37):
Hubba hubbo. Something my dad says, all.

Speaker 4 (13:45):
Right, well, we're gonna we gotta take a quick break.
We'll be right back after these messages. Hey, hey, hey,
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Speaker 3 (14:49):
Your Classic Alternative begins today at ten thirty on Real
Radio one oh four point one.

Speaker 6 (14:54):
Hey, this is Devil Roberts from the Jim Culbert Show,
and you're listening to Home Loans Radio on Real Radio.
Now back to the show with that mortgage guy don Hey.

Speaker 1 (15:05):
Hey, Hey, you're listening to home Lands Radio with that
mortgage guy dum and he's gonna talk about mortgages and
it's gonna be awesome. It's also National Greasy Food Day.
How does that hit your stomach this early in the morning. Yeah,
it makes me think. But you know there are a
lot of greasy breakfast foods.

Speaker 5 (15:23):
Yeah, yeah, sausage, yeah, ash browns, eggs, handy.

Speaker 1 (15:29):
Milk sandwiches early in the morning. Five am.

Speaker 4 (15:32):
I feel like you're just reading a menu at certain restaurants.

Speaker 1 (15:35):
Yeah, right, fried things, the fried things. Brian from Emberdes
is checking in driving up to Asheville, North Carolina right
now to see the fall foliage and the mountains. Hopefully
the Biltmore Estate as well have a great show on weekend.
I've never been to the Biltmore, heard lots of things
about it.

Speaker 4 (15:50):
Yeah, they when they had the big storm in North
Carolina that had a lot of.

Speaker 5 (15:54):
Damage, had a lot of damage on the grounds. I
always want the Biltmore to be in Baltimore, right, the
Biltmore and Baltimore, and I'm always upset when it's not
the Baltimore.

Speaker 1 (16:09):
William in Titusville is here and ready to learn. Missed
this last week, but he did listen the second time
because why not. Good to see you. The gorgeous breeze
outside and that nice, he says. I ain't moving or
selling ever. I like it here. Here you go beautiful.
Don taught me that because I have a three point
one percent mortgage. Amen, good luck you on that.

Speaker 4 (16:30):
Yeah, I was one of the lucky ones that also
got a mortgage in that time, and I'm keeping it
as long as I can.

Speaker 1 (16:36):
And also, William enjoys a funion, really a funion which
is like which is not? I don't know. Maybe it's
made of an onion, probably a dried onion.

Speaker 4 (16:44):
Yeah, sure, okay, it seems like not a I don't know,
like onion bread like is that a social food? Hey,
let's all get together and have some funions.

Speaker 1 (16:51):
We eat our cream and onion potato chips and all
those things. Sure, maybe you do. Doritos aren't great for breath?
Minds me of my first kiss that was Actually that
is the story.

Speaker 4 (17:07):
Yeah, dorito's and tomato soup. There you go, there you go.
Isn't it funny how your memories attached to smell or
those kind of.

Speaker 1 (17:18):
Things are well. Is a really strong yeah, and strong
call for memories.

Speaker 4 (17:22):
I think we've got the big brew bus going on today.

Speaker 1 (17:24):
Is that what's happening?

Speaker 4 (17:25):
I think that's happening today.

Speaker 1 (17:27):
How exciting? Yeah, people, I don't know if I think
they're meeting listening to music. They might be heading in.

Speaker 4 (17:33):
I think they're meeting down to the station at ten
or something. I look up to the details. But then
they're going out to uh till varies in Lake County.
You have fun mounta door all that area out there
for this one. It's a good time, a good day,
and you can go and join them.

Speaker 1 (17:48):
At the beautiful weather. Google it.

Speaker 4 (17:50):
They'll give you a list of all the ones that
they're going to.

Speaker 1 (17:53):
Oh yeah, and you can just go show up. Yeah.
Delivery Dan is out delivering some stuff, doing what delivery
dans do, delivering packages in Ovido. Hey y'all, there you go.
Hey y'all, what's the best rate for a IRRL loan? Earl?
What are you saying him? John? I know el earl

(18:14):
an earl. I R r r.

Speaker 4 (18:16):
L is an acronym for a VA loan. You know,
the military likes it's acronyms. This one doesn't roll off
the tongue is as much as some others. The I
R r r L which is interest rate reduction refinance loan.
It depends on your credit score and it depends on
the loan to value of the property. I locked one

(18:37):
in this week, an UH interest rate reduction refinance loan
at five point twenty five for a really well qualified client.
Sok h. And he went down from about seven and
a half down to five point twenty five. Saved a
bunch of money, a couple a couple hundred dollars a month.
It was a smaller loan, but getting it down two
points it's pretty good. And that's when you say you're
when I say you're saving two hundred dollars a month,

(18:58):
that's pure interest.

Speaker 1 (18:59):
You, princess, that's just money.

Speaker 4 (19:01):
You wouldn't have the same money's going to principle, same
money going to your taxes, your insurance, your h O,
you know, whatever, your your your PMI. But the interest
drops when you do that that refinance, and you can
also shorten the term on those. A lot of people
will take it. If they get a drop like that,
they'll take it down to instead of doing redoing it
as a thirty year, they might take it down to
a twenty five year or a twenty year. And if

(19:21):
you do that, you can say five or ten years
of interests over the life of the loan as well,
and a lot of times keep your payment the same
as where it is.

Speaker 1 (19:27):
That's so cool, love, great.

Speaker 4 (19:29):
Question, Thanks for texting that. And we got we got,
we got, we got week of Fritz next week, HLR
and Fritz got a lot of things going on. We're
going to be at Judson's Live all right for the
just Okay roast of Sean Wasson.

Speaker 1 (19:44):
You're going to be there. What are you doing for
the show? Everyone get to say something.

Speaker 5 (19:48):
Uh no, not everyone like you go around the room situation,
that would be intane.

Speaker 4 (19:56):
What are you trying to say?

Speaker 1 (19:57):
I'm doing?

Speaker 4 (19:57):
You got some things you want to say to Sean?

Speaker 1 (19:59):
Not at all. I'm just I just I just yeah,
I guess you know. It's it's a roast that just
some people will be the roasters.

Speaker 4 (20:05):
I wonder if we can just raise our hands, right
and uh and Jeff, you're you're part of the show.
Tell people what you're doing.

Speaker 1 (20:13):
Uh, I'm I Let's see.

Speaker 5 (20:16):
I wrote all of the music for it, so like
like when people come up on stage, it's like all
individual songs that.

Speaker 1 (20:24):
I wrote for the people. And I guess.

Speaker 5 (20:27):
I'm like, I'm a producer. Awesome, and I'll be on
stage with everyone.

Speaker 1 (20:31):
Will this be the first time you've been on that stage?
Ye at Judson's Yes. Oh that's so exciting. That'd be
very cool. Last time I was there, I was sitting
there with you. Yeah, that's right. That's awesome to Uh.

Speaker 4 (20:45):
Some of my favorite comedians will be will be doing
the roast. Ross McCoy is good. We just saw him
at the Just Call Mo comedy show. We got h
I really love Ross paget. I love Ryan Holmes.

Speaker 1 (20:59):
Those guys are are they gonna be speaking?

Speaker 4 (21:01):
Yeah, they're two of the roasters. Yeah, it's fun, it's
gonna be I can't wait.

Speaker 1 (21:05):
Those are my faves. Yeah, that's awesome.

Speaker 4 (21:07):
So that's gonna be fun. We gotta see we gotta
see Fritz there on Thursday. That's sold out. Sorry, if
you didn't get your tickets, you can't go. Oh man,
and then, uh, what's what's happening on Friday?

Speaker 1 (21:17):
Friday?

Speaker 4 (21:18):
Friday is a special treat Halloween? Can you can go
to see uh Fritz perform as Ozzie as Ozzy Osbourne
at Will's Pub. I can't wait. Man, that's gonna be
a lot of fun. Are you ready for it? I
know you've been rehearsing every time I talk to you.

Speaker 1 (21:36):
You're rehearsing. Yeah, we have practice today at one pm. Awesome,
so exciting.

Speaker 4 (21:41):
Tickets still available, so get yours for Will's Pub, but.

Speaker 5 (21:45):
Be around for much longer though, Like I do, highly
recommend just getting the tickets now and taking yourself that
trouble of being dressed up as a spooky ghost and
you can't get into Will's. Man, No, you can be
a funny ghosts. You don't be a depressed ghost?

Speaker 1 (22:03):
Are you meant to be a ghost? Oh? Yeah, you
got to be a ghost? Oh I didn't know. It's
a joke, okay.

Speaker 3 (22:11):
I mean.

Speaker 4 (22:13):
The idea was to get MJ to be the only
one to show up as a ghost.

Speaker 1 (22:16):
Why did you just wearing it like a white bed sheet?
I I was like, you know, okay, okay, what kind
of ghost do I want to be? I did that
one year.

Speaker 5 (22:26):
I uh uh cut out eye holes and then I
put my glasses on over sure the ghost costume and
cut out little like you know, uh slits, so they
were like, you know, they held into place. And then
I put my Tampa Bay raised hat over top of
it so people still knew who I was.

Speaker 1 (22:43):
All right. I like that. Huh. Maybe I'd like to
be an anonymous ghost, like a scary ghost. Nobody knows
who that is. That sounds I'd be funny. Could sidle
up to people. They'd be like, I don't know who
this is.

Speaker 4 (22:58):
Maybe it sounds that sounds like fury.

Speaker 1 (22:59):
To then sees, huh, Flip is checking in just feeding
the turtle that bit his foot in the pond. The
foot's doing great, he checked in.

Speaker 4 (23:10):
He checked in last week when we were when we
were out, and I updated us on some medical news.
I think I think I put it in the in
the notes. But it's nice of you to feed the
turtle that bit you right.

Speaker 1 (23:22):
Literally feed Here it is update on the turtle by
a few weeks ago. Five broken bones? What on two toes?
Foot is healing well and I'm in crutches, So sitting
on my porch feeding the fish and nibbles the snapping turtle. Man.
That turtle put a herding on your foot. That turtle
is breaking all the noise right, broken bones, it bit

(23:43):
the foot that feeds though, Oh my goodness.

Speaker 4 (23:46):
And now they're still getting fed. I don't know if
you're you're reinforcing bad behavior there, be careful, I know.

Speaker 1 (23:51):
Wow.

Speaker 4 (23:52):
You can text in your comments questions to seven seven
zero three one. You can also check out my instagram
at that Mortgage Guy Don, And you can also go
to the website anytime during the show or during the
week that Mortgage Guy don dot com. All kinds of
cool things there. You can see over three hundred episode
or listen to over three hundred episodes there. Once we
do them live here we put them on the podcast,

(24:13):
and you can find those Spreaker Apple Music anywhere you
find music today. You text into seven seven zero three one.
That's how you do it.

Speaker 1 (24:22):
Real cher Paul's asking, actually, I don't know. It was
apropos of a greasy food day. But the question is
chicken parm or pizza. I don't even know why that's
a question because it's obviously pizza.

Speaker 4 (24:33):
I was just, I was just I was just presented
with this option.

Speaker 1 (24:37):
I went. I went with Mo to lunch. Yeah. I
think he told us, Yeah.

Speaker 4 (24:40):
Giovanni's in Lake Marie or Longwood, I don't remember Lake
Mary right in that general vicinity. We went there for
lunch and Moe was like, are you having chicken parm?
I was like, no, I don't like chicken parm. He's like,
we're here to eat chicken parm. I said, you're here
to eat chicken farm. I have an option on pizza.
I'm getting pizza. So answer exact question. And he roasted
me on social media for liking chicken Palm's.

Speaker 1 (25:02):
Not that you don't like it, I mean it's a
bad options. No, I do like it. I would pick
chicken palm over chicken egg plant farm. Sure. I picked
chicken parm over egg plant parm Well, I can egg plant.

Speaker 4 (25:13):
Par Can you give me a choice between chicken palm
and a lot of other foods. I'm going to pick it.
But if you put pepperoni pizza in the mix, you're done.
I'm not eating it.

Speaker 1 (25:20):
Yeah, yeah, yeah, yeah yeah. Here's someone taking care of
fire ants in your local neighborhood's lawn. Pests may be
working on fire ants. Be carefulout those fire ants they are.

Speaker 4 (25:32):
Are they taking they're taking care of them? Are they
are they nurturing them?

Speaker 1 (25:35):
If they think they're I think they are keeping.

Speaker 4 (25:37):
Them dropping little pieces of fried food.

Speaker 1 (25:39):
Yeah no, no, no, no, I don't think so, probably not.
You're probably right. Here's someone is asking if you can
do a bridge loan. Do you do bridge loans? Absolutely?

Speaker 4 (25:50):
Yeah, we've got Well, let me back up and tell
tell you what it is. It's like if you own
your house now and you're living in your house, but
you want to maybe move up to another house or
move you know, lateral to a different house, and so
you want to but you need the equity out of
this one in order to use for your down payment,
but you don't necessarily want to close them both on
the same day, so you can borrow money out of

(26:11):
the first one to use as your down payment and
close on the second one. We actually have a program
where we can borrow the money out and not count
the payment of it towards your debt ratio to help
you buy the next one. So it's kind of a
move up buyer type program, and we have several Bridge
loans that do that. So definitely, if you're in that
scenario and you're thinking about, you know, needing to take

(26:33):
the equity out of this home to buy the next
home before you sell it, we can help with that.
You're listening to the Home Loans Radio show with that
mortgage guide Don, We'll be right back after these messages.

Speaker 1 (26:42):
Hey, it's Ryan for the monsters. Do you have a
question for that mortgage god. Don's text him at seven
seven zero three one. Now back to Home Loans Radio
on Real Radio.

Speaker 5 (26:52):
That's all right, baby, we live Home Loans Radio. If
you do have a question about buying a house, selling
a house, everything house related.

Speaker 1 (27:01):
House, house, house, house, house, just text.

Speaker 5 (27:06):
And we will answer the question on the air. Because
we've got a mortgage expert, Baby. His name is Dond
in not Dawn, Don d o n.

Speaker 1 (27:16):
Because he's a man, He's a man's man, and you
can follow him on Instagram at that mortgage guy. Don.
That's right, that's right. Thank you for that introduction.

Speaker 4 (27:26):
Thank you, thank you for that introduction, mister Fritz. You
know it's funny that you specified Don versus Don.

Speaker 1 (27:35):
That come up only.

Speaker 4 (27:37):
With my phone because anytime I try and do a
voice to text and I say, hey, it's Don calling
you back, blah blah blah, it always puts it in
as Dawn every single time, and I try to enunciate,
I'm like, Don, Hi, mine, this is Dawn.

Speaker 1 (27:56):
You know what it'll put that sounded like dawn?

Speaker 4 (27:58):
Yeah, right, I guess it's this is on you.

Speaker 1 (28:01):
Maybe maybe this is my blame to eat Don Don Don.
I can't Don Don.

Speaker 4 (28:09):
Maybe I got to put a little put a little
Wisconsin in there, Dad there, Don, a little Midwest accent.
Maybe it'll work. I'm gonna try different accents and see
if that helps. So if you see me shouting into
my phone like a Chicago and you'll know what's going on.

Speaker 5 (28:23):
Yeah yeah, Remember when I told you that people in
college are are getting like I guess reprimanded that it's
not don don me deal and deal in.

Speaker 1 (28:34):
It's donned on me. Oh don really, yeah on me.

Speaker 5 (28:38):
College students would put its terrible don down me and
deal in.

Speaker 1 (28:43):
Oh that's sad.

Speaker 4 (28:45):
Hmmm, sounds aggressive.

Speaker 1 (28:47):
Yeah, what's happening in the world sounds sexy. No, no,
I woudn't say that. Oh boy, carry're listening. Was planning
on eating well today, but since it's fried food, that's
out the window. Yeah, you'll live once, baby, right, you know,
on fried food Day, you got you gotta do what
fried food Ay tells you to do and get you

(29:08):
some fried.

Speaker 4 (29:08):
Foodree is very suggestible.

Speaker 1 (29:11):
I am too.

Speaker 4 (29:11):
Don't make it through a whole football game too.

Speaker 1 (29:13):
I don't know commercials work on me. I'm like looking
at a commercial and doing lots of things, and I'm like,
why is it that I just so want McDonald's right now?
It's like, oh, yeah, I know why I will not.

Speaker 4 (29:24):
Right, Well, there you go.

Speaker 1 (29:25):
They make it look good.

Speaker 4 (29:27):
You know, it's good time to time. It's not one
of those things you want to eat every day. I
don't think that's, you know, a good idea, but it's
good from here and there. I like a good quarter
pounder whicheese knowing in this every once in a while.

Speaker 1 (29:37):
Mike from KS, I don't hear much talk about homeowners insurance,
but ours is lumped together with our mortgage payment. What's
the process and how do we lower the cost of
our insurance? It seems to go up quite a bit
every year. And I am one to say, do not
sleep on your homeowners insurance because they will just creep
it up. You got to shop that around, like just
like your car insurance, you know, on the regular because

(29:58):
otherwise they just keep Yeah, this is.

Speaker 4 (30:00):
A very common concern and it's hopefully part of the
legislative session and State of Florida again just put it.

Speaker 1 (30:06):
They just they just denied it. The one the one bill.

Speaker 4 (30:10):
Yeah, hopefully it comes up again in the new year
when the legislative session comes again. But it's one of
the biggest problems in Florida with the you know, real
estate is because we are a state that has hurricanes
and storms and and things like that, and the sea
rips the sand away from the coast and you know,
the things that happen in Florida, our insurance rates are

(30:31):
higher and they do go up every year. I do
have an insurance agent that's a sponsored the show. You'll
hear their commercials during the show. Express Insurance of Longwood,
and you can go on my website and there's a
link there to them. But what they do is you
just go You go on the website and you can
send them a copy of your current insurance declarations page
and they will then shop it with about thirty different

(30:53):
companies and come back to you and see if they
can get you better or lower premiums. And there's a
lot of creative things going on right now. Some of
the insurance companies, like the insurance company that I use,
they sent me these these leak detector things that you
can put by your water heater and your toilet and
your you know, your different places in your home that
will prevent extended damage if there's a leak. And once

(31:14):
I put those up and connected them to the app,
they gave me a five hundred dollars discount on my insurance.
So there's different insurance companies trying to do different things.
But I would say reach out to Greg Heming at
Express Insurance of Longwood and show them what your insurance
policy is now and he can shop it around with
over thirty different companies and see you. He'll either tell
you it's good or he'll say Nope, we can do this,

(31:35):
we can save this, we can save this.

Speaker 1 (31:37):
Kyle just texted and they were talking. We were since
he heard us talking about Homewer's insurance. What they need
to do is talk to Greg overt Express Insurance. He
is the man.

Speaker 4 (31:45):
Yeah, Kyle bought a house with us last year over
on the coast, Palm Bay area. I think if I
remember correctly, and when you're near the coast, it's even
more important because you get you get higher insurance a
lot of times the closer you are to the coast.

Speaker 1 (31:58):
Your question is can you pay back reverse mortgage? And
is there a penalty or interest for that? How do
you pay back? I guess how do you get out
of a reverse mortgage? Or how do you Yeah, you can.

Speaker 4 (32:07):
It's just like any mortgage. You just request the payoff
and they send it to you and say, you know
what is my payoff? If I pay this off in
a week on the twenty ninth, and they send it
to you, and that's it, bing bang boom. You can
see what your payoff is. You either have to pay
it off in cash if you're going to do that,
or if you can get another mortgage, you can get
a forward mortgage to pay off your reverse mortgage. We've
done that for folks. We've also done that for people

(32:29):
that inherited homes that were reverse mortgages, so we can
change basically trade out that reverse mortgage for a regular
forward mortgage and do one to pay off the other.
So absolutely, yeah, you can. You can pay off a
reverse mortgage at any time, and you can also refinance
a reverse mortgage. I had someone recently. They did a
reverse mortgage about twelve years ago, and so when you

(32:50):
do a reverse, you have a certain amount or a
certain percentage of the equity you can take out based
on your age at the time of the reverse and
the value of the property. In their case, twelve years later,
property value it almost doubled, so when they did a
reverse again, they were able to take out another chunk
of equity that way, simply because the house had doubled
in value and now they had more equity, so it

(33:11):
would it paid off the old reverse mortgage and did
a new reverse mortgage, and they were able to get
out a couple hundred thousand dollars more that they that
they wanted out of it.

Speaker 1 (33:18):
Great question.

Speaker 4 (33:18):
Thanks for texting that into seven seven zero three to one.

Speaker 1 (33:22):
Here's someone and saying, just for your information, everybody, I
just paid off my house after twenty four years ingrats.
The following month, I received an interest payment for seventeen dollars.
I was so annoyed, but I found out I hadn't
asked for a payoff. So and that's a that's an
fyi for information. Yeah, if you're paying it off, you
have to call and get a payoff because they actually
measure the interest to the day. It is to the day.

Speaker 4 (33:43):
So if you you know, if you go and look
at what's on your credit report or what's on your
mortgage statement, that's not going to be quite right. It's
going to show you what your principle is. But if
you're halfway through the month and you haven't made a payment,
then you're going to have to pay those fifteen days
of interest in order to get an exact payoff. So
but you wouldn't normally do, and you have to. And
it also that doesn't it doesn't count on when you

(34:04):
send it. It counts on when they credit it to
your account. So usually what we do when we're paying
off more years, well we'll buffer it, will buffer it
with one or two days or three days of interest
so that when it gets paid off, it isn't short.
And then the consumer will normally get a small check
back like that for ten dollars or twenty dollars or
thirty dollars.

Speaker 1 (34:21):
That way they're not short, and it doesn't hold up
the whole process, right because.

Speaker 4 (34:24):
If you're short, they don't pay it off, They just
pay it down to seventeen dollars or whatever you're short,
and then you still have a mortgage open. So you
got to be careful about that. You did, so you
want to when you order a payoff, you want to say, hey,
I want my payoff good through November tenth, and then
you make sure that it gets paid off by November
tenth and that will be an accurate payoff.

Speaker 1 (34:43):
Great question.

Speaker 4 (34:43):
Thanks for texting that or comment observation, Thanks for texting
that into seven seven zero three one.

Speaker 1 (34:48):
I just want to says, do I need a mortgage? Note? Well,
I listen to the entire show. Yes, love that, me too,
Thank you. I love that.

Speaker 4 (34:58):
I get a lot of it. I get so many peop
But when we go out and do events and things. Uh,
and I'm sure it'll happen at the events we're doing
next week. So many people come up and say that
like that, they that they listen to the show and
just because Fritz is so darn.

Speaker 1 (35:12):
I think it is about Fritz for sure. I mean,
what is it for radio? Oh, it's funny. It's funny
because that's what I always think too about Yeah about
me about it. It's just a funny thing. People are as.
Like somebody said today, you know, aren't on YouTube. I'm like,
I don't know. I like I like not being you know,
like I like it just being a voice. Well, yeah, sorry,

(35:35):
didn't mean last.

Speaker 4 (35:36):
So I've got some I got some news for you.

Speaker 1 (35:37):
Then, Oh are we on YouTube? Where's the camera? Hey? Hey, no, I.

Speaker 4 (35:45):
So many people keep asking me to do that too.
I might do it. We might do it next year.

Speaker 1 (35:48):
I don't know. What's it. What's the food that you
will just abide even though it's greasy, Like it's okay,
you'll do it. Oh, let's take peperny, let's take that
one off, because that's a that's an everyone one, that's
everyone French fries. Yeah, I think like good, good, French fries,
like the ones that like they make at the fair
where it's like they take a potato and then they

(36:11):
throwing the oil and then outcomes a French fry. Wow,
that's a good one. I like that.

Speaker 4 (36:15):
The folks can can hear the sound effects you're doing,
but they cannot see the animations you're acting out with
your hands and face.

Speaker 1 (36:22):
We're just super entertaining.

Speaker 4 (36:24):
That's that's why we need YouTube see because people.

Speaker 1 (36:28):
Not I like, I will, I will adore some grease
for that. For those kind of French fries.

Speaker 5 (36:35):
I'm a big fan of monzzarella sticks. You know, they
don't get there you go, there's a there you go.

Speaker 1 (36:40):
That's a greasy food that's also worth it.

Speaker 4 (36:42):
The one that I the one that I is a
very rare indulgence for me that I really like is
when you go to the fair and you get like
that plate of fries that's super greasy when you put vinegar.

Speaker 1 (36:53):
Al over it what I'm talking about.

Speaker 4 (36:54):
And then also h at the fair the funnel cakes.

Speaker 1 (37:00):
So yeah, that's a that is a good one. That's
one that you know that's a big greasy sweet mask.
But it's like I think, like the first three bites
and then it's like, uh, yeah, it's good. It's really hot.
Then it's like, uh, you know what's that grease gets cold?

Speaker 4 (37:14):
You throw it in a trash and it lands like
a brick.

Speaker 5 (37:17):
It's a great idea until you realize I'm I'm that guy.

Speaker 1 (37:21):
I'm walking around with a funnel cake.

Speaker 4 (37:23):
That's all I feel about the giant turkey like.

Speaker 1 (37:26):
And then I feel like I shouldn't be eating this.

Speaker 5 (37:28):
And then I'm conflicted because I just save twenty five
dollars on.

Speaker 1 (37:32):
It, you know, right, it was twenty five dollars for
some dough that a carney squished into a bad of oil.
It's a shame pound of grease in there too. That
oil has been there since nineteen seventy five. It's not
just that there's a pound of grease. Awesome.

Speaker 5 (37:50):
Yeah, I don't know, you just I feel shameful eating it.
I'm not trying to yuk anyone's young, but it's like, I,
you know, it's like I want it. I think I
think I want it, And then and the part of
my brain is like, do you really want that? Though
I'm like, yeah, I think I do. As soon as
I get it and bite it. I'm like, what have
I done?

Speaker 1 (38:06):
What have I become? I'm a months. I just went
two bites of it, and then I feel the shame.
And then you get on the spinniest ride there is
and you.

Speaker 4 (38:13):
Feel like, oh, a pound of lard in your tongue.

Speaker 1 (38:18):
You know what? Every time I would do it again
because driving home you go funnel cake listenings. People are
staring at me. Now I can eat it in privacy.
One thing you can't get on New breathe funnel cake. Okay, yeah,
that's a fact.

Speaker 4 (38:32):
You listening to the Home Loans Radio show. We got
to take a quick break. We'll be right back after this.

Speaker 1 (38:38):
Hey, it's Sabraina from the news junkie. Do you have
a question for that mortgage gown? Text him at seven
seven zero three one.

Speaker 3 (38:44):
No.

Speaker 1 (38:44):
Back to Home Loans Radio on real radio. Yep, yep.
It's spooky season on Home Loans Radio. Oh that's how
you can tell, right there, that's it. That's how you know,
very spooky.

Speaker 6 (39:03):
Are you?

Speaker 1 (39:04):
What's everyone doing for spooky season? I don't know. I'm
gonna go see Ozzie. I have a very busy week.

Speaker 5 (39:12):
Yeah, yeah, I have to go buy some more accent
for my Ozzy Osbourne.

Speaker 1 (39:18):
What are you missing?

Speaker 5 (39:19):
Oh well, let's see. I need a big old belt,
something that a eighties wrestler would wear. You know the
funny thing about wrestling man Daddy actually said this on
Fort Fritz once.

Speaker 1 (39:30):
It's half naked dudes fighting over belts. Nothing nothing gay
about that. Love it. Yeah that's awesome.

Speaker 5 (39:39):
So yeah, I'm gonna get a big old belt, and
then I have to get something flashy to wear over
top of my uh my costume, you know, like.

Speaker 1 (39:47):
A like a cape. Sure, okay, yeah that'll.

Speaker 4 (39:51):
Work's got some sparkly capes you can borrow.

Speaker 1 (39:55):
I don't think that's the jam. But you've already got
the all important wig. Yes, all right, what are we
talking about practice? Do you wear the wig to get
in character or no? I haven't, should I I don't know.
I just wondered if it helped. Sometimes you hear people
talk about that, that it's all about the you know,
once I get the costume on, then I am just
irish or whatever.

Speaker 4 (40:15):
Yeah, you gotta be method or you gonna be method,
Ozzie method.

Speaker 1 (40:19):
I guess I am No, Yeah, I guess. I guess.
Here's somebody if you.

Speaker 4 (40:24):
Don't know what we're talking about. You better ask someone.
Next Next week, Halloween Friday, you can go and see
Fritz perform as Ozzy Osbourne at Will's Pubs. Buy your tickets.
I just bought mine and they're they're gonna run out.
Yeah it's you're gonna get locked out. Go and buy
your tickets. They're ten bucks. Yeah, no big deal, but
I gotta buy it.

Speaker 1 (40:42):
You got them.

Speaker 4 (40:44):
I'm excited to see it. I know you've been practicing
a lot. It's gonna be a lot of fun. Can't
wait to see you as Ozzie. We might never let
you turn back into Fritz. You'd just be Ozzy for now.

Speaker 1 (40:52):
That's fine. Be so annoying to be out with them
doddering behind us like.

Speaker 5 (40:58):
Little steps, mumbling to myself everything and yellow there.

Speaker 4 (41:04):
Well, how would that be different than.

Speaker 1 (41:08):
Just kidding, just kidding.

Speaker 4 (41:10):
Check it out though, Get your tickets to you know,
go to the Will's website. Get your tickets for This.

Speaker 1 (41:15):
Is something I've never heard. Here's someone who goes says
they we used to go to a restaurant that had
fried green peppers with powdered sugar on top. They said
they were great they're saying o MG with a smiley,
So I'm guessing the OG means ya. But I have
more of a y question peppers with a little bit
of dusted like powder sugar. Yeah, why not?

Speaker 4 (41:35):
They're saying green pe.

Speaker 1 (41:37):
Green peppers like a bell pepper like instead of an onion.
I got no use for a bell pepper. They're just unripe.

Speaker 4 (41:46):
Why did you exclaim so because.

Speaker 1 (41:49):
Bell peppers are great? Oh? I know. I eat lots
of red ones and yellow ones and orange ones, green ones.
We're just not ready yet.

Speaker 5 (41:55):
Red green, and an onion. That's that's the Italian flag
right there there.

Speaker 1 (41:59):
You know you're right, you're right? Or the trinity and
LANs is uh? Green onions, celery and onions.

Speaker 4 (42:06):
Green onions, green pepper, green.

Speaker 1 (42:07):
Peppers, celery and onions.

Speaker 4 (42:09):
Yeah, I don't mind him, like in a in a recipe,
but like I'm not going to just go and fry
me a green pepper and eat it.

Speaker 1 (42:15):
That ain't gonna happen.

Speaker 2 (42:16):
I don't know.

Speaker 1 (42:17):
Maybe I'll give it a whorl. Next time I'm making
an onion ring, I'll fry up a pepper ring. See
how that goes. Report that I'll do crowd is waiting.
Here's someone who says, hey, Don and Crew closed on
my reef I yesterday, combining two loans with one with
lower interest rate and lower monthly payments. Second time, I'm
done business with you. Thank you for your service, and
special shout out to Julie who held my hand every

(42:39):
step of the way. Joe, Joe, Oh, Joe, Hey, thank you, Joe.
I appreciate you. I appreciate you.

Speaker 4 (42:47):
Uh yeah, Joe's a good dude, and we saved him
some money. We saved him some money, took care of
his needs, and we can do that.

Speaker 1 (42:53):
For you too. They combined two loans into one. So
what was that he had?

Speaker 4 (42:57):
I don't remember the exact numbers, but able to combine
I think a first mortgage on a helock and get
the rate down, get the overall payment down a few
hundred dollars. Thanks for texting in Joe to seven seven
zero three one. That's how you do it. What else
you got, m Jay?

Speaker 1 (43:14):
I've got a question about home equity and refinancing during
a divorce one of those. Today. My wife and I
are splitting up and we still co own our house.
We owe about two fifty nine it's valued about four
or fourteen, so there's a roughly one hundred and fifty
five inequity'd like to get my half, she wants to stay. Oh,
it's very similar to the other one. Yeah, same kind
of situation. How can he make sure he gets his share,

(43:37):
his fair share without forcing a sale?

Speaker 4 (43:40):
So I do a lot of these with divorce attorneys
in town and also a state attorneys one. When you
have to separate the mortgage, so to speak, between a
married couple or between siblings or things like that. It
depends on what rate you have on the first mortgage.
You know, if it's a really good rate, then you
may want to look at doing a home equity to
get that extra equity out. If it's you know, a

(44:03):
rate with a six or a seven in front of it,
then we can probably look at refinancing that mortgage and
that way you would only have one mortgage afterwards. It
also depends on if you're already divorced. It said they're
getting divorced. Yeah, so you can do it while you're
in the process of getting divorced, as long as as
long as as long as everybody is amicable and wants to,

(44:24):
you know, do it ahead of time, then you can
and then one person can quick claim off of the mortgage.
You can sometimes have one person on the mortgage. You
can have two. But it's a very unique scenario. Every time,
I need to look at what if they've done mediation,
what theyre you know, if they're agreeable and everything, how
they're going to work it out. So, uh, there's a
lot of variation in this type of thing. Sometimes people
are super mad at each other. Sometimes they're super happy

(44:45):
and it's easy to separate everything. So if usually if
people are super mad, we have to wait till the
divorce is final to do any of it because we
got to see where all the all the dust lands
and where the uh you know, where everything goes to
figure it out. But yeah, hit me up at that
mortgage guide don dot com and we will sort it
out for you. Take take a look at the details

(45:05):
and tell you what the options are. All right, We're
gonna take a quick break. We'll be right back at
the top of the hour, like.

Speaker 5 (45:21):
Some staying SEVCS legacy is the test line.

Speaker 1 (45:32):
The seventy everything has.

Speaker 2 (45:37):
I know, love living with that.

Speaker 4 (45:43):
Allgust Hey hey hey, hey, hey, hey hey, welcome back
to the Home Loans Radio Show. That mortgage guy, don
we're here, we're doing it. It's Saturday night. Anyw're here
live right here in real Radio one four point one.

Speaker 1 (46:05):
I love that song. That's really beautiful.

Speaker 4 (46:07):
Hey, thank you, thank you as always for playing your
original tunes here on our show. Mister Fritz, which one
was that?

Speaker 1 (46:14):
That was all in? Now? I like starting the setout
with that one. That's nice.

Speaker 4 (46:20):
And that's the real Fritz.

Speaker 1 (46:21):
Yep, that's the real Fritz.

Speaker 4 (46:23):
You can check out the Real Fritz anywhere you find music.
You can also Corbus Incorporated, also Florida Slang. Those are
other bands of the Mister Fritz And you can follow
him on Instagram at Nope, that's not it, that's mine
at No underscore Regrets, Underscore Coyote, that's no underscore regrets,

(46:44):
underscore Coyote. Welcome back to the Home Loans Radio Show.
You want more of that? Get your tickets for Halloween
night at Will's Pub.

Speaker 1 (46:52):
You're gonna get.

Speaker 4 (46:54):
Fritz is going to personify the late great Ozzy Osbourne
for ten songs.

Speaker 5 (47:00):
Songs, but yeah, twenty twenty songs.

Speaker 1 (47:04):
Twenty songs, twenty songs, all right, all the songs all
the songs, all the songs they've rehearsed. Yeah, it's just ballads. Yeah,
oh the Aussie ballads they hidden the hidden recordings. You
he's got so many beautiful songs.

Speaker 4 (47:19):
Yeah, that's awesome. It's that's gonna be next Friday.

Speaker 1 (47:21):
A Wheels.

Speaker 4 (47:21):
Get your tickets, they're almost sold out. Ten bucks easy fun.
I don't know what you want to do. Drop by
it'll be a blast as well.

Speaker 1 (47:28):
Favorite Assie ballads. So tired. He was a songbird man.
He was so good. Really, Yeah, that's awesome.

Speaker 4 (47:40):
Well, it's going to be exciting to see. Don't be
you know, don't get shut out and be there or
b square.

Speaker 1 (47:44):
It's going to be don't sleep on those tickets, baby,
they are going, they are going going, almost gone going on.

Speaker 4 (47:49):
Today we got the big brew Bush.

Speaker 1 (47:53):
Checking in.

Speaker 4 (47:54):
I'm checking in downstairs at the at the station, getting
ready for their their trip out to most of it's
in Lake County this time, but I have what are
the Abbey Brewing Community, Wolf Branch Brewing, Chicago Fire Brewing,
and then they bring you back depository at this station.

Speaker 1 (48:14):
Here you go.

Speaker 4 (48:15):
That's a long day. I've done that before. Yeah, Yeah,
it's fun. That sounds like a lot of fun. But
if you're not for the whole bus thing, also you
can and it's sold out now anyway, but you can
go and meet at the and if you look online
on the website, it shows you the addresses and the
times they plan to be at the different brewery, so
you can still go in and have a beer and
hang out.

Speaker 1 (48:33):
It's gonna be a good time. DeAndre from Titus Hille says, Hey, guys,
love the show.

Speaker 4 (48:38):
Thank you, DeAndre, thank you for listening.

Speaker 1 (48:39):
Check it out.

Speaker 4 (48:40):
Text in your comments tell us what you're doing seven
seven zero three to one.

Speaker 1 (48:43):
Interesting question I haven't heard before. I'm getting ready to
make an offer on a home, but I'm being told
that the home is already appraised from a previous buyer
that fell through, but that I have to use that
appraisal that they did. Is that unusual? Why would I
have to use somebody else's appraisal? Well, it's it's.

Speaker 4 (49:00):
Likely an FAHA loan, and so FAHA is a little
quirky when it comes to that, but they what they try,
and so FAHA. When you do an appraisal, it sticks
to the property address for six months. It's not it's
not the person paid for it, right, it sticks to
the property address. But if the new when the new
person uses it, they have to pay back and the
other person gets gets reimbursed for that appraisal. So uh,

(49:22):
it's it's tied to the property. Why because FAHA doesn't
want They want to eliminate the possibility of something called
appraisal shopping. So like if somebody goes and gets that,
you know, tries to buy the house and it doesn't
appraise high enough, then the next guy comes and gets
a higher appraisal, or the third guy gets a higher appraisal,
they don't. They don't do it that way. Whatever the
appraisal is, because it's an official, certified FHA appraiser that
goes out to do it, so it should get a

(49:44):
pretty similar value every time. But appraisals are a little
bit subjective as far as you know, the quality of
the upgrades and things things of that nature. So on FAHA,
you're going to see that on VA. In some cases
you may see that where the appraisal has to be
transferred within a certain time, but conventional loans and most
of the others, so I'd say about that only happens

(50:05):
on maybe twenty five percent of the loans that we
do that are faha A great question though. Yeah, that's just.

Speaker 1 (50:13):
The way it is, all right, that's the way it is.

Speaker 4 (50:15):
If you could qualify for a conventional loan on that
same house, then you won't have to use that old appraisal.
You can you can have a new one done. So
if you're doing a Fanny May loan or Freddie macloan,
you don't need to worry about the old faha appraisal
that was done, only if you're coming back trying to
do that same type of loan.

Speaker 1 (50:29):
Interesting, I never heard of that before. There you go.
The more you know, here's someone who's shopping for a
single family primary home purchase. Do you underwrite jumbo loans
with ten percent or less down payments? What would the
approximate rate be with a seven forty score on a
jumbo loan.

Speaker 4 (50:45):
We're seeing rates on the jumbos in the low sixes.
You know, if you're well qualified, you got what's a jumbo?

Speaker 1 (50:49):
Now? Jumbo is anything?

Speaker 4 (50:50):
Right now? Over eight hundred and six thousand dollars loan?

Speaker 2 (50:53):
Wow?

Speaker 1 (50:53):
That went up?

Speaker 4 (50:54):
Well, No, it's getting ready to go up in January.
It goes up every year in the December January range.
They base it on price appreciate, you know, how much
prices on average appreciated, and then they raise the maximum
loan amount for a non jumbo alone. Anything above that
is a jumbo alone. Rates are I've seen rates in
the high fives, low six is same as with you know,
other regular conventional mortgages. We're seeing rates on VA and

(51:16):
FHA for purchases and refis in the mid to low
fives in some cases. So I said it earlier, have
you got a rate with a six or a seven
in front of it? You need to take a look
at the numbers and see if refinancing makes sense. We
are the number of refinances we've been doing now that
the rates are dipping down into the fives again have quadrupled.
And that's because a lot of folks have rates with sevens,

(51:39):
even eights, or high sixes, mid sixes, and you can
drop those down in a lot of cases a full
point right now.

Speaker 1 (51:44):
I mean, I'm sure a lot of people do have
those rates and that's why they're getting a refinance. But
are also a lot of people doing it because of
credit card debt, which is in the thirties and the
rates are in the thirties or twenties, high twenties.

Speaker 4 (51:56):
Yeah, you don't get as low of a rate on
a cash out loan if you're taking like on.

Speaker 1 (51:59):
A rate in turn paying off credit cards.

Speaker 4 (52:01):
Yeah, on a rate and term loan, you can take out.
You can take out up to one percent. So let's
say you do a three hundred thousand dollars loan on
a rate and term where you're just changing the rate.
You can get up to three thousand dollars in cash
out on that or two thousand, depend on where we're
doing Freddie Mac or Fannie May. But the on a

(52:21):
cash out loan. So if you want to get more
than that amount of two thousand or three thousand, then
you have to do a cash out loan. And when
you do a cash out loan, the rates are about
a half point higher. They're to consider a slightly riskier loan.

Speaker 1 (52:32):
But still much much lower than your credit card rate. Yeah.

Speaker 4 (52:34):
Absolutely. I had someone do a cash out loan. They
paid off one hundred and forty two thousand dollars in
credit card debt that they were paying around twenty nine
percent of Yeah, that saved them twenty two hundred dollars
a month in interest. Yeah, but the reason they had
all that that was they had bought the house right
and then they had used credit cards to completely remodel it,

(52:55):
like one hundred and sixty thousand dollars worth of upgrades
and improvements to the house, and now they're refinancing it
to bring all that money into a mortgage and cut
those interest rates by dramatically. They locked them in around
six and a half. They were paying twenty nine percent,
so they were paying about four hundred plus times percent
that they needed to be an interest.

Speaker 1 (53:14):
So they did all those improvements and then they got
a new appraisal and then the house was worth more
correct and then they could borrow that money through the
mortgage instead of do their credit card. Yep, I get it.

Speaker 4 (53:23):
You can do you can do a new appraisal once,
so simple can understand. You can do a new appraisal
once you've owned the home for a year and do
that cash out loan. And otherwise, if you're doing refinances
before the year's up, you got to you can only
do a rate and term. You can do a cash
out once you get to the year point, and then
they can do a new appraisal.

Speaker 1 (53:43):
I bet they're relieved. Oh that's a lot of credit
card debt. Oh yeah, that's so stressful.

Speaker 4 (53:47):
That's a lot of interest.

Speaker 1 (53:49):
The hard part is the end. I'm not interested at all.
I have no address, zero address, no situation.

Speaker 4 (53:56):
Yeah, figure out thirty percent interest on one hundred and
sixty thousand dollars. That's that's not a small amount of money.
Carry Guess what time it is, MJ.

Speaker 1 (54:07):
What time is it. It's time for the compare quote
of the week that it was time for any drink
you go.

Speaker 4 (54:16):
It's definitely time for your dot com dot com there
you go. This week was a home purchase. These folks
were buying a home and they had a quote of
six and a half on a purchase from a big
national retail lender. I'm not going to say who it is,
but you've seen him on the Super Bowl.

Speaker 1 (54:36):
But I'll say it. I don't know. Is it rhyme
with licking? Uh?

Speaker 4 (54:44):
They were quoted a rate of They were quoted a
rate of six and a half on a purchase from
this lender and they're their top tier borrows. These you know,
the highest credit score you can have is eight fifty
these folks have eight twenty eight credits. Wow, you know,
I rarely see anybody over eight ten, eight twelve, eight
to fifteen. So when you get up in that A
was higher eight hundred. That's that's as high as it gets.

(55:05):
They had an eight hundred credit score. They were putting
down This is an eight hundred thousand dollars purchase, and
they were putting down twenty five percent, So that's huge.
That's one hundred and seventy five thousand dollars down payment.
The first lender had a charge for that rate of
six point five of fifty five hundred dollars in discount points.
It means they were buying down the rate to get
to that six and a half percent, and I was

(55:27):
able to get them five point seventy five with zero
buy down, zero costs. So we saved them a ton
of money on just fifty five hundred dollars just on
buying down the rate. The lower interest rate of five
point seventy five versus six point five. This is a
big purchase, eight hundred thousand dollars purchase. Save them get
this MJ four hundred and ninety dollars a month on

(55:49):
their on their house payment. That's crazy because they took
two minutes to compare their quote four hundred and ninety
dollars a month. That's one hundred and seventy six four
hundred dollars over the life of a thirty year loan.

Speaker 1 (56:01):
That's amazing.

Speaker 4 (56:02):
That's an incredible amount of savings for just doing a
little bit of due diligence.

Speaker 1 (56:06):
Just like taking a picture and saying.

Speaker 4 (56:08):
Send, Yeah, what's the compare quote you're asking, Well, this
is something I started a couple of years ago. There
was a study that said less than twenty percent of
people don't less than twenty percent of people get a
second quote after they get their first mortgage quote, and
the reason they don't get a second one is because
it's such a pain. So I created this thing on
my website where you just go in and upload your quote. Yeah,
and I'll take a look at it and can tell
you very quickly. You don't have to do a whole thing.

(56:30):
You just upload the quote, You tell me your credit score,
what they told you your credit score was, and I'll
tell you what we can do. So they I guess
what they ended up going with us, and they were
super super happy. They'd heard about us. They don't listen
to the show all the time. They listened to the
show during the little league season when they're going to
games on Saturday mornings, and they're super happy. They were

(56:50):
over the moon. They said they weren't even sure if
they were going to do it. They thought the quote
was pretty good, but they did it anyway just to
see so in summary, they got a first quote, thought
it might be okay, should we compare or leave it
this way? They made the right choice and uploaded their quote.
Let's compare with don I hear he's the goat.

Speaker 1 (57:10):
They did it.

Speaker 4 (57:11):
I fixed it. I saved them a stack. They clapped
for their savings and never looked back. When you see
that first quote and it lands with a thump, compare
it with don don't look like a jump play the jingle.

Speaker 1 (57:24):
Fritz dot com dot com. There you go. I love that.

Speaker 4 (57:34):
Gave them a ton of money, but I mean, you know,
the shoe fits here, you go, welcome back. I'm gonna
talk about it again because I'm super excited to see Ozzy.

Speaker 1 (57:46):
Next week.

Speaker 4 (57:47):
You're gonna say, well, Ozzy's not with us anymore. Well,
on Halloween, you can see the ghost of yes that's
at Will's Pub. Buy your tickets. Fritz's Fritz is starring
as Ozzie. It's gonna be a blast. Don't miss it.

Speaker 1 (58:00):
It's so fun. We're going to be there.

Speaker 4 (58:01):
Say hi if you see this.

Speaker 1 (58:03):
Here's somebody's asking if you do debt consolidation.

Speaker 4 (58:06):
Sure, yeah, I mean if it's based on a home.
We only do loans on homes. I'm not like doing
personal loans or private loans, right, you know, peeling off
stacks or anything like that. If you have a home
and you want to do an equity line or take
some money out, then yeah, you can use that for
debt consolidation.

Speaker 1 (58:22):
Here's someone getting through some lanwork the Showkay, thank you.
I own my home and I'm self employed. What loans
are available without a tax return?

Speaker 4 (58:35):
Well, it depends on whether you're saying I don't file
tax returns and I haven't filed a tax return since
two thousand.

Speaker 1 (58:44):
Yeah.

Speaker 4 (58:44):
If that's the case, you can't really get a loan
if you just don't file your taxes as a self
employed person. If your tax returns show a low taxable
income because you write off a lot of stuff or
because you did a big capital improvement, or you you know,
bought new vehicles or something like that, then you can
you can go with other options. We have so many

(59:06):
different options. We have ones that will look at a
p and L that's that's put together by a CPA.
We have some that will do a self prepared p
and L. We have some that will do a loan
based on your ten ninety nine's. Some that will look
at your bank statement deposits, so like if you have
a business that's cash heavy, or you know where you're
getting a lot of deposits, we can look at a
twelve three months or six months or twelve months worth

(59:27):
of those bank statements and extrapolate your income from there.
The usually we can get you close to ninety percent
of what your deposits are going into your business bank
account and sometimes even your personal account. So there's a
lot of ways to figure out what your income is
and do a loan on it that are not specifically
the conventional conforming two years of tax returns Fanning May

(59:48):
Freddiemack type loan. There's lots of other choices. The rates
are slightly higher typically, but that's kind of expected. You're
you know, you're not doing a fully full doc loan
where you're showing your tax returns, You're you're doing an
alter hertive documented loan, so the rates are just a
little higher. But I mean, I would say probably thirty
percent of our business at Happy Home Mortgage is this
type of loan where it's either bank statements for self

(01:00:10):
employed people or p and l oh. Yeah, I mean,
there's a lot of people that own their own business
and it's a very it's very I'm self employed. You know,
this is my company. It's it's very much tougher when
you're self employed.

Speaker 1 (01:00:21):
Very much tougher, very much tougher.

Speaker 4 (01:00:25):
That very much tougher than ever. But no, it's a thing.
And if you're self employed, you know it. But I'm
an expert at it. It helps that I'm self employed
because I know the ends and the outs and what
the pains and the lows are. So hit me up
at the website that mortgage guide don if you want
to find out more. We're gonna take a break, come
back for the final segment of Today.

Speaker 3 (01:00:46):
I need to hear someone else's opinions before reconcelling your
own internal phobias. We got you, fam Hey, Alexa, play
a real radio one or four point one on iHeartRadio.
You have a question for that mortgage guide Don, text
us at seven sevens zero three one. Now back to
Home Loans Radio on real Radio.

Speaker 1 (01:01:05):
That's right, just like that.

Speaker 5 (01:01:07):
You got to get out of here and enjoy this beautiful,
perfect weather that we're having. You are listening to Home
Loans Radio. If you do have a question, you can
text it in seven seven zero three one. We'll get
to next week and follow it down on Instagram at
that mortgage guy done.

Speaker 1 (01:01:22):
Yeah.

Speaker 4 (01:01:22):
If you want to get a question to me sooner,
go to the Instagram you can DM me there. You
can also go to the website and get get There's
a thing there on the website at that mortgage guide
don dot com that says asked on a question. I
answered those all throughout the week, but right now we
still We're still here for another minute or so, Yeah,
we are. I may be the last one to see it.
Did you see this video of the monkeys at Silver

(01:01:45):
Springs the woman that was kayaking? Yep, and you saw it, Fritz.

Speaker 1 (01:01:50):
Yes, yeah, what made the monkeys follow out this guy?

Speaker 4 (01:01:53):
Well they don't know they're in the trees.

Speaker 1 (01:01:54):
But what made them all say everybody out.

Speaker 4 (01:01:57):
I don't know, it's some sort of you know, I
don't know, they like just swimming. If you haven't seen
the video, you can check it out.

Speaker 1 (01:02:03):
I put it.

Speaker 4 (01:02:03):
I reposted it on my Instagram and check out my
reposts that at that mortgage guy down, I've got it
right there.

Speaker 1 (01:02:08):
It's a video.

Speaker 4 (01:02:08):
It's a lady kayaking and Silver Springs and a sword.

Speaker 1 (01:02:11):
There's lots of monkeys.

Speaker 4 (01:02:12):
Yeah, up in Silver Springs. There's monkeys there because they
were introduced there back in the nineteen thirties as part
of the Silver Springs attraction, around the same time they
were filming Tarzan movies there.

Speaker 1 (01:02:24):
But I believe there was a hurricane. Well.

Speaker 4 (01:02:27):
I read up on this yesterday because the common tale
was that they were brought there for the Tarzan movies,
but that was not accurate. They were brought there by
the people that were running the Silver Springs. They put
six monkeys in nineteen thirty eight on this island in
Silver Springs. They didn't know they were such amazing swimmers.
I thought, like you know, chimps at the zoo, they
would stay inside the moat, but.

Speaker 1 (01:02:49):
They didn't do that.

Speaker 4 (01:02:50):
So now they of course proliferated throughout the entire area there,
and so the video shows a woman kayaking and videoing
as I would ask to make thirty some monkeys drop
jump from three four five stories up and are doing
cannonballs and dives into the into the springs. It's the
most incredible thing.

Speaker 1 (01:03:10):
I thought it must be AI the first time I saw.

Speaker 4 (01:03:13):
It, me too, But then I saw it on AB.

Speaker 1 (01:03:14):
It was.

Speaker 4 (01:03:15):
She was interviewed on ABC and yeah, CBS and in
some other places. But checking out either either google it.
There's a YouTube google you know, monkeys dropping out of
We don't know why sky, No, they don't know why.
It is the first time it's ever been documented as
far as what I heard. Somebody filming it and maybe
an adaptation they learned, you know, by being there, or
maybe they're natural born free divers, or maybe Planet of

(01:03:38):
the Apes could happen one day. Oh no, but when
you see him jumping out, like all thirty or forty
of them, they swim to the other side. But if
they'd all decided to go to the kayak, it would
have sunk.

Speaker 1 (01:03:49):
Oh yeah, it was. But it's a crazy videos.

Speaker 4 (01:03:52):
And then West Coast there was another crazy animal thing
and on the West coast in California, a black bear
broke into the zoo.

Speaker 1 (01:04:00):
Into the zoo with the other bears, so that was
checking it out something. They escorted him out though. Yeah. Yeah.

Speaker 4 (01:04:06):
The other bears were like, wow, man, why can't we go?

Speaker 1 (01:04:09):
Yeah, he was he would I read that. I've read
about that too, And he was at the age of
going to find his own crew, and he found a crew,
but they were like stuck in there.

Speaker 4 (01:04:20):
He climbed he you see, he climbed up a tree
that was outside and then dropped down inside the enclosure
and then they had to they had to open the
gate to get him out of there. But they said
he left.

Speaker 1 (01:04:28):
He was friendly and he left peacefully. Yeah, he's like, okay,
not my crew. Yeah. Yeah. They kind of sad all
the way around.

Speaker 4 (01:04:35):
It's probably smart. I don't know, is it smart. He's like,
they always have food in.

Speaker 1 (01:04:38):
There, but they don't get to move. But you know,
they don't they don't have to dodge cars. I don't know.
There you go better to be a zoo bear or
a wild bear. That's the eternal question. It is. It's
the beginning of time. You're a bear, you know, you're
a bear right either way, you're a guess what time

(01:05:01):
time for the speed round?

Speaker 4 (01:05:02):
It's time for the speed round. That's where's gonna ask
me a bunch of the questions I haven't gotten to
quite yet on the show. I'm gonna try and answer
them real quick. If I don't get to yours, it
doesn't mean I didn't want to hit me up at Instagram,
DM it to me, or send it to me through
the website at that mortgage guide don dot com, and
I will answer it outside of the show.

Speaker 1 (01:05:20):
Before I get to these quick questions, I do want
to tell you, Don you have several responses telling you
that that was a great rhyme. Thank you for several
many claps for you on the ride.

Speaker 4 (01:05:29):
If you missed it, check it out on the podcast.

Speaker 1 (01:05:31):
Oh yeah, have it a plase, Hey go here we
go speed round. I'm gonna ask you some questions. You're
gonna answer them. What paperwork application do I need for
a herelock? Is it as much work as a regular loan?
Is it the same? Is it less?

Speaker 4 (01:05:43):
It's pretty much the same as doing a mortgage. You
know it is a mortgage, a second a second loan,
or a mortgage a helock or a line of credit.
They're basically a second mortgage, so they're gonna look at
your financials. They're gonna look at all the same things.

Speaker 1 (01:05:53):
We do have.

Speaker 4 (01:05:54):
Helocks though, that are more flexible, like if you're self employed,
you can do it based on your bank statements or
your P and L state so you're ten ninety nine.
So we have options that are more flexible than just
traditional documentation.

Speaker 1 (01:06:05):
Do I have to have a realtor to buy a home?

Speaker 4 (01:06:07):
No? No, I mean you don't have to. I recommend
a buyer's agent unless you're savvy and you've bought houses
and you know what you're doing, because there are a
lot of ways you can get bamboozled or flim flammed,
And typically the majority of the commission for your buyer's
agent is paid by the seller here in Florida, so
it makes perfect sense. Why not if you need one,

(01:06:29):
I have one. I have several that I love and
think are super professionals, and I have my favorites.

Speaker 1 (01:06:33):
Of course, awesome. If I have a credit card charged
off and one in collections, is it possible to get
a mortgage and to buy a house. Do I have
a credit card that's charged off and one that's in collections. Yeah,
it can be.

Speaker 4 (01:06:45):
I mean, FAHA is a loan that is more relaxed
towards those type of things. It's more of a first
time home buyer loan. It requires three and a half percent.
You can get approved with scores as low as five
hundred if you're putting down ten percent or five to
eighty if you're putting down three and a half percent,
and they don't they ignore anything that's charged off on
the credit report and anything that's a collection, you'll have

(01:07:07):
to we have to put in a placeholder of five
percent of the balance as a placeholder payment, just in
case that turns into something they.

Speaker 1 (01:07:13):
Have to collect. I have a house that has a
roof that is thirty five years old and I'm planning
to sell the house. Do I have to replace that roof?

Speaker 4 (01:07:21):
Good?

Speaker 1 (01:07:21):
Yeah, well maybe.

Speaker 4 (01:07:23):
Not maybe maybe. It depends on the type of roof.
If it's like one of the tile roofs or metal
roof they can be you know, the insurance companies will
insure those up to thirty five forty forty five years
with an inspection your regular shingle roof, though, once it
gets past fifteen twenty years, it gets very hard to
get insurance. And if you've got a shingle roof that's
thirty years old, you're going to have a hard time

(01:07:45):
finding a buyer unless it's like a you know, unless
the house is a flip type property.

Speaker 1 (01:07:50):
I see. Yeah, okay, I've got a riddle for you.

Speaker 4 (01:07:52):
Riddle time.

Speaker 1 (01:07:53):
All right. I'm not going to say it's a Halloween riddle,
but it's a little spooky. No, boy, it's a Halloween riddle. Guys,
ancient knowledge if you can know, in the night is
where I roam, vermin I grab and my holy flight.
No one can hide from my sight. Ol.

Speaker 4 (01:08:13):
Yep, that was gonna be my guest. Well done, Fritz,
well done. Who was it?

Speaker 1 (01:08:20):
Well, folks, you did it.

Speaker 4 (01:08:22):
You successfully wiled away another ninety minutes of your morning
listening to us right here on Real Radio one to
four point one, prattling on about all the things. Shout
out to the folks on the Brew bus.

Speaker 1 (01:08:31):
Have fun. Yeah, yeah, safe, threw it up. Bre it up.

Speaker 4 (01:08:35):
Make sure and get your tickets for next Friday's Halloween
show where Fritz portrays and embodies Ozzy Osbourne.

Speaker 1 (01:08:41):
I bet they're gonna eat some greasy food during the
day of the Brew Bus. That's right. Eventually you will,
Eventually you will play us out.

Speaker 4 (01:08:48):
Of here with something cool.

Speaker 2 (01:08:49):
Fritz, Bye, Jason and.

Speaker 1 (01:09:14):
Jases.

Speaker 3 (01:09:18):
You've been listening to Home Loans Radio with that mortgage
guide don Join us every Saturday at nine am on
Real Radio one oh four point one and check us
out online at home Loans Radio dot com.