The Home Loans Radio 11.01.2025 with That Mortgage Guy Don- Happy Halloween! OZZY (Fritz) recap!

The Home Loans Radio 11.01.2025 with That Mortgage Guy Don- Happy Halloween! OZZY (Fritz) recap!

www.thatmortgageguydon.com

Episode Transcript

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

Speaker 2 (00:13):
Hey hey, hey, hey, hey hey hey, good morning. 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, right here on Real Radio one
oh four point one. I'm here with my crew doing
it as we do. Good morning, MJ.

Speaker 3 (00:33):
Oh wait, hold on, I don't have MJ on. Go ahead, Nope, nope,
it's not that one either.

Speaker 2 (00:37):
Hold on the red one.

Speaker 3 (00:38):
All right, good no, good morning, there you are. Thank it's.

Speaker 4 (00:44):
Good morning everybody.

Speaker 2 (00:46):
Good morning, welcome to the show. MJ.

Speaker 4 (00:48):
Good morning. Yeah.

Speaker 2 (00:49):
And also here with the Fritz Man. Good morning, mister Fritz.
Oh yeah, I'm halfway surprised you still have any voice left.

Speaker 3 (01:00):
I went crazy last night.

Speaker 2 (01:01):
You did. You were on a crazy train. Those of
you who missed it, you missed something pretty special, suckers.
Last night we had an appearance of Ozzy Fritz as
Ozzy Osbourne last night at Will's Pub. Incredible, man, what
an incredible show. Thank you so that was a lot
of fun.

Speaker 3 (01:20):
My costume though, Your costume though, it was so good, amazing.

Speaker 2 (01:24):
Yeah you go to did you go to sleep with
your makeup still on?

Speaker 3 (01:27):
It's funny that you should ask that, because yes I did,
and my lovely wife Darcy goes, oh, no, you got
to get up and take a shower, and I was
like job. On arrest of the development, I was like,
come on, now, I understand what you know. Now I
understand what you got to put up with every day.

Speaker 4 (01:43):
So otherwise you would have had an Ozzy pillow.

Speaker 3 (01:46):
Yeah, an Ozzy sized style.

Speaker 2 (01:51):
The costume was great, the wig was great, the band
was great. Dan was great. Was the lead guitarist name
Dave Lamb.

Speaker 3 (01:58):
Dave Lamb man, He's what a beautiful human being.

Speaker 2 (02:02):
There's a lot of work that happens in Ozzy Osbourne.
Eight songs set on a lead guitar.

Speaker 3 (02:06):
He probably played like two thousand notes amazing.

Speaker 2 (02:09):
Some of I saw like sometimes five in a second.
It seemed like, yeah, it was a really, really a
great show.

Speaker 3 (02:15):
He's one of those guys where he's like, I have
to I have to slow down. I can't play more
than eight notes a second as a rule, and You're like.

Speaker 2 (02:23):
Yeah, guitarist problems, Am I right exactly? That was amazing
your your drummer. I haven't seen him before.

Speaker 3 (02:32):
What was his name, Patrick O'Neill. Yeah, yeah, I've known
him since I was probably eighteen or nineteen, and he goes,
that's funny, I haven't he guess I can't remember last
time that I saw you without a beard, because I
was I took it like a Broadway show, you know,
like I shaved. Yeah, I guess I can't remember the
last time I saw you with that beard. I was like,
I was twenty dude.

Speaker 2 (02:50):
You had you you were so method, you had had
like tattoos, you had all the Aussie tattoos. Yep.

Speaker 3 (02:54):
I spent about eleven hundred dollars getting my assie.

Speaker 4 (03:00):
The show that will be with you always right your
heart more like your shoulders.

Speaker 2 (03:04):
So is this a net negative entertainment to production for you?

Speaker 3 (03:08):
We're not going to go into that, don but I
will say, you guys sound amazing. Where are you today?

Speaker 2 (03:13):
Well, right here real Radio one to four point one.

Speaker 3 (03:16):
You guys are right in front of me.

Speaker 2 (03:17):
Oh there we are there, we are over there right, Well,
welcome to the show. What do we talk about here
MJ on all these Saturday morning it's like three hundred
plus in a row. What do we do here?

Speaker 4 (03:25):
So many? So many mortgage mornings? We talk about mortgages.

Speaker 2 (03:29):
Mortgages.

Speaker 4 (03:29):
Yeah, that's what we talk usually.

Speaker 2 (03:31):
You have something else clever to throw in there. When
I asked that question.

Speaker 3 (03:34):
She's waking up. Yeah, I like mortgage mornings.

Speaker 4 (03:38):
By the way, Yeah, it's mortgage Morning.

Speaker 2 (03:40):
That sounded like I had an s on the end.
I'm only doing one a week. It's in my contract.

Speaker 4 (03:44):
Oh, we do so many here.

Speaker 2 (03:47):
That's right. You're here. You're listening to the Home Loans
Radio show with that mortgage Guide. Don We're here doing
what we do every single Saturday, right here on Real
Radio one to four point one. You can text in
your comments questions to the show. That's right. We're live
on a Saturday morning right here. Day after first day
of November. Today, I can't believe the party is over.
The party is over. Man, the Halloween the Halloween bubble

(04:09):
has a purse. I feel like I've been going to
Halloween parties for about three weeks now.

Speaker 4 (04:13):
Will it ever end?

Speaker 2 (04:14):
Well? Yeah, today today, do you have any more?

Speaker 4 (04:17):
I just finally got my costume together. I've been working
on it.

Speaker 2 (04:22):
Did you see I saw a thing this morning what
the most popular Halloween costumes were.

Speaker 4 (04:27):
I feel like it's got to be Scooby, anything Scooby.

Speaker 3 (04:30):
I saw a lot of Scoobiesma and all a gang everywhere. Yeah,
what the hell was up with that?

Speaker 4 (04:36):
I mean we went I went to several parties and
they were everywhere. Yeah, sometimes two or three of them.

Speaker 2 (04:42):
Yeah, there was, there was There's been a lot of Velma's.
M h, well Velma, I mean yeah, the things on
what bar you're at? Yeah, the article I read said
good play. The article I was looking had said the
number one was the K Pop Demon Hunter's phenomenon. As
much of that costumes, apparently they were very hard to get.

(05:03):
They can get them into production as fast as they wanted,
so they couldn't sell as many. The other one was
Taylor Swift.

Speaker 4 (05:10):
I didn't see any of those.

Speaker 2 (05:11):
No, I'm not telling you what I saw.

Speaker 4 (05:13):
I s time. I'm just saying. I mean, if they're
the most popular, you'd think they would have shown up.
But you know, maybe maybe the ones I saw weren't
done well. Maybe I didn't recognize them.

Speaker 2 (05:21):
I don't know that anybody just that, just anybody can
pull off Taylor Swift.

Speaker 3 (05:26):
No, you have to be six foot twelve.

Speaker 4 (05:30):
How about you do that?

Speaker 2 (05:31):
Like, I don't think I could pull it all.

Speaker 4 (05:32):
I don't think it's a wig. I think it's a
whole thing.

Speaker 2 (05:35):
I didn't before last night. I didn't think Fritz could
pull it off. But I saw it after the Aussie
hair and makeup, I think you could pull off Taylor.

Speaker 3 (05:42):
I was. I was. I surprised myself how much I
looked like Ozzie.

Speaker 2 (05:46):
Yeah, it was. It was pretty good. The other costume
that they said was another big one was oh the
Louver jewel thieves. Yeah, I saw, I saw. Yeah.

Speaker 4 (05:55):
I should have done that. That would have been fun.
I would have warned, you know, all my costume jewelries.
I've just been dropping in places like just fake, you.

Speaker 3 (06:02):
Know, like and a reflective vest Yep, that's all you needed,
a high vizz vest.

Speaker 5 (06:06):
Yeah.

Speaker 2 (06:07):
It turns out a lot of people have those. I
saw quite a few last night.

Speaker 3 (06:10):
I did too.

Speaker 4 (06:10):
Maybe I didn't clock what that was, but yeah, sure enough.

Speaker 2 (06:13):
Text in your comments questions salutations to seven seven zero
three one. Tell us what you're doing out there? MJ
likes to know. She'll text it in you and she'll
tell you all about it, tell us all about it.
You can also ask anything having to do with mortgages,
real estate, buying a home, selling a home, SBA loans,
you name it. Now's the time you've been waiting all week.
It's your opportunity. Text in seven seven zero three one.

(06:36):
Lucky for you, I'm a mortgage expert and I will
answer them right here on air. You can also go
to the website all during the week that mortgage guide
Don dot com or you know, stop buy on Instagram
at that mortgage guy Don and give us a like
and check out what we're doing there. We're getting a
lot of comments on the Instagram Fritz. Oh yeah, yeah,
it's it's turned into a comedy juggernaut.

Speaker 3 (06:56):
Oh oh boy.

Speaker 2 (06:57):
Yeah, I don't know.

Speaker 3 (06:57):
I wait in a good way. I thought you met
the comments. No, yeah, all of your social media videos
are very well done. It's thoughtful, funny.

Speaker 2 (07:06):
It's turning. It's turned into something funny. We're putting putting
work into it, all right, we're putting work into We're
trying to make it work. Looking at I'm gonna check
it out oh, well, thanks him. You should follow me.

Speaker 4 (07:16):
Grappler says I'm gonna take a shot in the dark
and say, Ozzie would have been proud of Fritz's performance.

Speaker 3 (07:21):
Shot in the Dude, that song is so good, so good.

Speaker 2 (07:24):
You had to be there, man, it was so fun.

Speaker 4 (07:27):
Says loved it. Buddy.

Speaker 2 (07:28):
You you nailed every note of every song. It was like, no,
it was just it was really amazing. I know you
practiced for a long time, so job well done. You know.

Speaker 3 (07:37):
I was just having a having a dang all good
time and thinking, you know, uh, hope, hope, Ozzie's up
there getting a kick out.

Speaker 5 (07:43):
All.

Speaker 2 (07:49):
I gotta tell you, I woke up with Ozzie in
my head this morning, which you've probably had for a
month now.

Speaker 3 (07:54):
They're so catchy man, like he was. He was a songbird,
you know, he really was.

Speaker 2 (07:59):
Well there. Yeah, and the story you told that the
first concert you ever went to when you were eleven.

Speaker 3 (08:04):
Yep ninety six the arena.

Speaker 2 (08:07):
Oh wow, and that was Ozzy, Ozzy Osbourne ninety six, Ozzy,
all right, it's amazing.

Speaker 3 (08:11):
And then a couple of weeks later, well, you know,
after Ozzie died. It was that day I was in
the papka celebrating my dad's birthday. It was the same day,
and uh, I was talking to my mom because she
was like, he raised like eight hundred million dollars for
Alzheimer's research on that last concert, you know, just like
she was enthralled, just loved it, loved him, you know.
And uh and I go, mom, Haddy Field, knowing that

(08:33):
you let us kids listen to the satan worshiping devil
worshiping drug addict monster rock and roller, And she goes,
I always liked him, you know, he had catchy song,
had catchy song.

Speaker 4 (08:46):
Knowing you mama knows, Mama nos knowing you and.

Speaker 2 (08:48):
Your brothers, all that checks out. Yeah, yep, there you go.

Speaker 4 (08:51):
Right, she started that crazy train right there.

Speaker 3 (08:54):
She really Yeah. And she got a kick out at
me saying that too. You know, that's fine, amazing.

Speaker 2 (08:58):
We had a we had another hl our Field trip.
We had the roast of Sean Watson on Thursday night.

Speaker 4 (09:03):
Yeah, it's been the week of Fritz.

Speaker 2 (09:05):
Yeah. That was that was fun. A few people killed
it that I was weren't expecting to do super well.
Of course they did. Everybody did great. Of course, you
know the pro the pro comedians. They're going to do
what they do, you know, Ross McCoy, Ross Paget, the Rosses. Yeah,
and Ryan Holmes they did what they what do you
expect them to do? They and uh and Sabrina and
then but Josh Fowler really surprised me. He was there

(09:29):
last night to Pinkman as he as as he's known
on radio.

Speaker 3 (09:32):
Yeah. I was just like, dude, you were so good.
The comedians stood up and gave me a standing ovation.

Speaker 2 (09:39):
I saw a couple of times like Ryan Holmes got
up from the stage ran backstage to go laugh because
he was he was, uh so so blown away by
some of those stuff. Sea Lane did really well. That
was that was funny. And Sean's son, what was his name,
Austin or Dylan Kill Dylan did a great job also
h roasting his dad, which made it a lot of fun.

Speaker 3 (10:01):
Yeah, Austin was the lighting and sound gay.

Speaker 2 (10:03):
Yeah, that was a lot of fun being there. I'm
glad we got to go do that. But today you
can text in your mortgage questions to seven seven zero
three to one. We'll answer them right here on air,
and j you'll get them out there. What do you
got cooking? Over the mjay.

Speaker 4 (10:16):
I got a lot of people checking in. So hey, hey,
somebody's making sausage and gravy.

Speaker 2 (10:20):
Yik like that.

Speaker 4 (10:21):
I mean biscuits and gravy. Okay, Yeah, sausage and gravy
is not as good. But you need a biscuit. You
need biscuit in there. Some delivery Dan is delivering packages
in Obedo.

Speaker 2 (10:31):
That's what Dan do and.

Speaker 3 (10:38):
I don't know, it's just so funny.

Speaker 2 (10:39):
I know what Dan's doing every Saturday.

Speaker 4 (10:41):
For the most part, I misread this comment. The comment
when I what I saw was kids in Scouting America.
We forced to drop off bags on doorsteps. But it
said it will be out in force. It will be forced.
That's not good.

Speaker 3 (10:57):
This New America is very militaristic. Yeah, like get up
there and out the bag on the step.

Speaker 2 (11:03):
I can tell you when having had two sons that
were in the wee Blows and Scouts, it was they
I did have to force them to go put those
food dry bags on people.

Speaker 4 (11:12):
Yeah, that was right on the first place. So if
you see your bags out there, if you get a
bag that's four that goes to the food bank to
help people during Thanksgiving, and you fill it and leave
it out next week.

Speaker 2 (11:24):
There you go. You put your asparagus in your lefts
that you don't want.

Speaker 4 (11:29):
It's all the weird stuff that you go. You go
to your pages, you're like date nut bread, I don't
know what that is?

Speaker 3 (11:36):
Is this spinach good? You haven't hear?

Speaker 5 (11:37):
No?

Speaker 3 (11:38):
Oh?

Speaker 2 (11:38):
Yeah?

Speaker 4 (11:39):
All the cans that are puffy?

Speaker 3 (11:40):
I can't you know what I want to give them express.

Speaker 2 (11:44):
I got a twelve pack of something called Waterloo in
my refrigerator that I bought thinking it would taste better.
Now I just have it in the freezer. It's been
cold for a month. I'm saving it in case I
get it like a bear. If I get a bear
in my trash, can I have something to throw at him?
I don't know.

Speaker 3 (12:01):
Yeah, it might have turned into their mace at that point.

Speaker 1 (12:04):
I think.

Speaker 4 (12:06):
Yeah, So look through your pantry the things that you
absolutely don't want to eat, and think about that for Scouts,
and you know, give them one thing that they might
want to eat. That's always, that's nice.

Speaker 2 (12:14):
That's nice of you. I'm goods.

Speaker 4 (12:16):
Yeah, just give them one thing. Don't just give him
the cake makes in the very back.

Speaker 2 (12:23):
You know, well, you've he sounds like you've planned this out.

Speaker 4 (12:26):
I have filled some of those bags with some questionable items.

Speaker 3 (12:29):
I will say, you know, as long as you're filling
bags trying to think of the positive.

Speaker 4 (12:35):
You know, I mean, do you want it? How hungry
are you?

Speaker 2 (12:38):
A can of Alaska air? You know it's a novelty
can of air. I've had since I was thirteen.

Speaker 4 (12:50):
Quite a selection of pickled things.

Speaker 3 (12:52):
That's really funny.

Speaker 4 (12:53):
Loves a pickle.

Speaker 2 (12:55):
Well, you're good. You are listening to the Home Loans
radio show with that mortgage guy don that's right, it's me.
You can go to the website anytime during the week
and check it out. You can do all kinds of
things there. You can apply for a mortgage. You can
listen to every almost every episode of the show we've
ever done. There's over three hundred right there at the
website and on a spreaker in other places you find music.

(13:15):
You can check it out there. You can also go
there to apply for a loan or a reverse mortgage,
or get things started there today, you can text into
seven seven zero three one. We're going to take a
quick break. We'll be right back after these messages. Hey, hey, hey,
it's that mortgage guide Don, November has arrived and it
brought the fall weather right along with it. I am
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(13:37):
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(14:00):
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Speaker 3 (14:19):
Hey, this is Debor 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.

Speaker 4 (14:30):
Hey, Hey, you're listening to Home Loans Radio with that
mortgage guy don here talking about all the things we'd
love to do. Glad to have you here. Gonna drop
some mortgage knowledge on you and also have a little
bit of foolishness. Here's good way to start us out.

(14:50):
William from Titusville came in and said he survived the
floods inside of his house. That was something.

Speaker 2 (14:55):
Yeah, there was a lot of rain over.

Speaker 4 (14:57):
There, Titusville went, I mean that was crazy.

Speaker 2 (15:00):
We were supposed to have a closing over there. I
think it was Monday, and we had to reschedule it
because the roads getting to the people's house there was
a bridge washed out.

Speaker 4 (15:08):
Yeah, my gosh, it was it was banana gun rose.

Speaker 2 (15:11):
Yeah, what is it? The Lord Lord Willing and the
Quiks don't rise? Well, yeah, the Quicks rose last week.
Well glad you're doing well there.

Speaker 4 (15:20):
Yeah, that's that's quite a thing.

Speaker 2 (15:23):
What else you got there? Shall I jump in?

Speaker 4 (15:29):
Says Happy November mortgages? Fritzie were amazing last night. The
entire band was. The guitarist was bonkers.

Speaker 2 (15:37):
It's true to bre and carry were there A lot
of a lot of folks came out to see you
last night. It was It was a good time.

Speaker 3 (15:44):
It was it was neat when we walked in and uh,
and I heard someone going Fritz and I was, like,
most people just call me Jeff here and it was them.

Speaker 2 (15:56):
They were.

Speaker 3 (15:57):
They got there early, got a table, and yeah they were.
It was lovely seeing them.

Speaker 2 (16:00):
I did notice in your method that after the sun
went down you only answered to Ozzy.

Speaker 3 (16:08):
I was head budding people, get out of here.

Speaker 2 (16:10):
Committed and and your and your lovely, your lovely spouse.
Darcy was dressed as the the infamous bat that had
had its head partially or bitten off.

Speaker 3 (16:22):
Yes, she had the She had like a like a
scar around her neck. Yeah, it was. It was.

Speaker 2 (16:27):
It was very creative, very cool bat costume.

Speaker 3 (16:30):
And it was this really cute bat costume with this
like mangled scar.

Speaker 4 (16:34):
Yes, she was a very spelt sexy bat.

Speaker 3 (16:36):
Yeah, I didn't. I didn't mind.

Speaker 2 (16:40):
You didn't hear it from me, not that it's not true,
but well, you're listening to home loans radio show at
Mortgage Guy Done. You can text in your questions to
seven seven zero three one. I will answer them right
here on the air. Looks like you got some percolate.

Speaker 4 (17:01):
Yep, I do. I'm interested in no or low down
payment loan for a rule property real rural. I can't
do that word. That's a hard word.

Speaker 3 (17:11):
I hate that word.

Speaker 4 (17:13):
It doesn't make any sense. What is what that other are?
It just should be rural. Rural people say rule.

Speaker 2 (17:21):
It's like horror. It's one of those you got to
say they are sorry.

Speaker 4 (17:25):
That's one of my favorite things. Paris Hilton was on
David Letterman years ago and he kept saying what kind
of movie is it? And he knew, and she kept saying,
it's a horror movie, and he kept making your say it.

Speaker 2 (17:38):
Are a lot of those.

Speaker 4 (17:40):
She's like, well, you know, Dave, it's a horror movie.
And he's like because she couldn't say horror, And it
was very funny. She wasn't in on the joke.

Speaker 2 (17:48):
I saw that one. Yeah, so what do you go on.

Speaker 4 (17:52):
Uh no or low down payment loan for a rural property? Well,
there is a loan, but are the requirements?

Speaker 2 (18:00):
Yeah, there is a loan called the USDA loan from
the US Department of Agriculture. But there's a mortgage you
can get kind of like if you're a veteran, you
can get a VA loan if you're out, you know,
in the rural areas or out away from the cities.
You can get a USDA loan in a lot of cases.
As a first time home buyer, you can. You can
get into them with zero money down. Some of the

(18:20):
catches are you have to have at least a six
sixty credit score, you've got to have pretty good debt ratios,
and you've got to make They have income limitations, so
you can't make too much income. One of the other
quirky things about the USDA loans is that they look
at the income from the entire household, not just the breadwinner.
So if the rules say a family of four can't

(18:43):
have a incomes to say higher than ninety thousand, right,
that means even if your eighteen year old son is
there and works at you know, Chipotle and has a job,
we have to count that income into the equation all
adults in the household earning income. So you can't exceed
those those limits. But if you fit into that box,
it works pretty well. It's not every rural property. That's

(19:04):
the other thing you got to be careful of. There's
a map if you go to the USDA website and
put in the address or the area you're looking at
They basically have it shaded so that you can see
which areas, yeah, which areas are within the USDA acceptable
area and which aren't. And literally it can be right
across the street from each other sometimes, so you got
to even though you may be out somewhere rural, you

(19:25):
have to look and make sure that that address is
one of them that can be done with USDA. If
it's not USDA, you we still have other ones. You know,
VA you can do zero down, faha, you can do
three and a half percent down. So there's a lot
of options out there. Best way to find out, you know,
which option is going to be work for you. And
also this is how we find out if you're eligible
for any down payment assistance, is that you go to

(19:46):
the website and you apply. You get to you know,
start your pre approval process and for that we'll do
a soft credit report and with that information we can
then tell you, hey, you qualify for this program or
that program. There's a big one still going on. The
Hometown Heroes program is still happening.

Speaker 4 (20:02):
Really, Yeah, they've got to tell all that money.

Speaker 2 (20:05):
They've got half the money left. It started in late
July or I think early August, and they've still got
twenty five million dollars left. Last year, it went so fast,
and that's because they didn't have any limits on what
professions you could be. They went back to the roots
this year, so you can be a military veteran. If
you're a military veteran, you may not need to be

(20:25):
a first time home buyer, but for the rest of
the folks, you need to be a first time home buyer.
And then the job fields are the medical field, the
first responders, you know, public servants, things like that. You
can go to Instagram at that mortgage guy don and
then down there in the link, I've got a link
to all the acceptable occupations. You can check that out
and see if it works for you. But that's up

(20:45):
to it's five percent of your purchase price, so it's
at least ten thousand. That's the minimum you can get
on a two hundred thousand dollars home, or less. You
get ten thousand, and then up to although I up
to thirty five thousand. If you're buying a seven hundred
thousand dollars home, you can get the total of five
percent down, so that covers your down payment. If you're
doing FHA and a good portion of your closing costs

(21:06):
in a lot of cases. But that's the that's the program.
That was a long answer to a short question answer.

Speaker 4 (21:15):
I'm surprised that that much money's left. You know, last
time it just was by gangbusters.

Speaker 2 (21:19):
Twenty five million, So they've gone through through half of it.
It's much slower pace that it's working through. And it's
not because the market is lower. The market is busier
than ever. We're you know, the housing market is super busy.
The rates right now, as of Friday or as of
last week, I should say, the rates are the lowest
they've been in over three years. Now, we're officially at

(21:40):
three year lows on mortgage rates. We've been doing a
ton of refinances, people getting started doing refinances. You know,
we're looking at people that have rates in the sevens,
you know, seven and a half, seven point seventy five,
getting them down to the fives in some cases. So
that's a meaningful drop that you're talking. You know, if
it's a four hundred thousand dollars loan, you could be
saving three or four hundred dollars a month in pure interest,

(22:03):
you know, so that can that can lower your payment.
And I've had a few people where their payment crept
up because of the taxes and the insurance and it
went up like three or four hundred dollars And we're
refinancing and able to get it back down to where
it was before those increases happened. So a lot of
folks do that as well.

Speaker 4 (22:19):
Do you look at insurance again when you do that.

Speaker 2 (22:21):
Absolutely, yeah, if the people want us to, well, We've
got an insurance agent that that is a sponsor of
the show and I've worked with for over twenty years,
Craig Heman with long Express Insurance of Longwood, and they
will you can do that anytime with them. You can
send them your current quote and they'll shop it around
and with over thirty different Florida insurance companies and tell

(22:41):
you if you can get a better deal. And we
do that if people want us to. When we do
a refinance, we'll we'll take a look at that and
see sometimes we can drop the PMI now you know,
if it's been a couple of years, you might be
able to drop the PMI through a refinance as well.

Speaker 4 (22:55):
And you do that, you do you recommend all that?

Speaker 2 (22:57):
Oh sure, yeah, like, hey, let's do this. Well, well,
I mean I recommend you find out if you got
a six or a seven in front of your rate.
I think you should at least get a quote. It's
super super, no hassle with us. It's so easy to
get a quote. You just fill out, you know, the
basic information on the redefinance application. We do a soft
credit check. I put together the numbers and tell you
how much you can save and how much the closing

(23:17):
costs are, and then if you're good to go, then
then we start in the process. But normally, if you're
saving one hundred and fifty two hundred a month, people
are gonna are going to go forward with that because
you can recoup the closing costs quickly enough.

Speaker 4 (23:28):
Here's someone who says, love the show, thank you, thank you.
If I want to buy a home and rent the home,
I'm in out? How do how does that work with
rental income?

Speaker 2 (23:37):
If you want to buy a new home and rent
out your current home.

Speaker 4 (23:41):
Yeah, how does that work?

Speaker 2 (23:42):
Do you?

Speaker 4 (23:42):
I have to qualify for both houses? Do they have
to quality houses?

Speaker 2 (23:45):
You have to qualify for both houses in any case,
because you're going to have two mortgages, so you got
to you got to be able to qualify for both mortgages.
But if you are able to rent out the house
you're leaving your exit property. You know, if you have
a lease in place and have been able to collect
first month's rent, then we can count seventy five percent
of that rent you're going to be receiving after you
start renting it as income now, so that helps a

(24:09):
lot of the time then. And then the other thing
is if you are like you're staying in your house
and maybe you want to buy an investment property, you can.
When you're buying an investment property, you can count the
rental income from that automatically, whether it's rented or not,
seventy five percent of the income. And that's determined by
when you do the appraisal to buy your investment property.
Part of the appraisal on an investment property, they cost

(24:31):
more those appraisals, but that's because they do they do
a comp search to see what the value of the
property is, and then they also do a comp search
to see what other rentals are renting for in that community,
and then that's how they determine the rent to decide
if you can get credit. But in a lot of cases, yeah,
you can get credit for the rent if you're buying
an investment property, and possibly for your exiting property if

(24:52):
you can get it leased before you're exiting. Great question.
Thanks for texting that into seven seven zero three.

Speaker 4 (24:58):
One says, I'm working this morning fixing people's well water pumps.

Speaker 2 (25:03):
That is a that is a hard job. That is
a hard job.

Speaker 4 (25:08):
It seems really hard.

Speaker 2 (25:10):
It's just reminded me of a fixing people's well pumps. Yeah,
it's like this old saying. It's this old saying. When
it's cold, it's like colder than a well digger's butt
or something like that.

Speaker 4 (25:22):
I have not heard.

Speaker 3 (25:23):
I'm going to look it up.

Speaker 2 (25:24):
Yeah, well be careful.

Speaker 4 (25:28):
After this. Kyle's going to take the boat out and
take the dogs for a drive.

Speaker 2 (25:32):
How about this weather.

Speaker 4 (25:33):
Yeah, it's nice.

Speaker 2 (25:33):
That sounds like a good day, Kyle. I take the
it's a nice weather.

Speaker 4 (25:36):
Take the boat out, and then take I guess maybe
the dogs for a drive in the boat. That'd be cool.

Speaker 3 (25:40):
Yeah, yeah, and then you toss them in the water.

Speaker 4 (25:42):
They love it, right, they do, depends on the dog.
But you know, yeah, I have a.

Speaker 2 (25:47):
Chiwala that would be seriously annoyed if I threw him
in any water. You're listening to the Home Loans Radio
Show with that mortgage guy Don. We're gonna take a
quick break and we'll be right back after these messages.

Speaker 3 (26:00):
Hey, this is Ryan from the Monsters and now back
to that mortgage guy done on Real Radio. That's right.
You're listening with Real Radio one oh four point one.
If you have a mortgage question, just texted in seven
seven zero three one. I'm joined in studio, live, loud
and proud with MJ and that mortgage guy Don.

Speaker 4 (26:21):
We here.

Speaker 2 (26:23):
Welcome back, Welcome back to the Home Loans Radio Show
with that mortgage guy Don. That's right, we're here doing
it right here on this beautiful crisp November Saturday morning.

Speaker 3 (26:34):
It is crisp.

Speaker 2 (26:35):
It is crisp, and uh, we're doing it. What do
we do next?

Speaker 4 (26:44):
We're gonna do it this a second.

Speaker 2 (26:45):
Let me refer to my notes. You can text in
your comments today to seven seven zero three one in.

Speaker 3 (26:52):
Moments where you just look down and put the glasses
over your eyes agoin Ah, yes, a step six, there
I go.

Speaker 2 (26:58):
That's why we have notes.

Speaker 4 (27:01):
Tell us what how you're going to spend this crisp day.
The first of November.

Speaker 2 (27:05):
I had a friend who was was MJ knows this
person as well that was stuck out of town because
of the air traffic controllers shortage in Orlando.

Speaker 3 (27:17):
Was it recently?

Speaker 4 (27:18):
Oh yeah, yeah this week?

Speaker 2 (27:20):
Well they arrived. They finally got back home yesterday afternoon
around five pm. They'd been trying to get home since
the previous day.

Speaker 4 (27:26):
From New York City, from New York to Orlando to Orlanta.
They ended up in Boston. They ended up on a
Frontier flight. They were lucky to get on it. They've
lost a piece of luggage, but they made here. But
it took them twenty big thirty hours to.

Speaker 2 (27:38):
Get to gets from New York to Orlando. I had bananas.

Speaker 3 (27:42):
Dursey had some friends who they had like a four
hour I guess a three hour layover in Orlando. But
they live in book of vertone, And I was like,
would you would you rent a car? Would you just drive?

Speaker 2 (27:57):
Sure?

Speaker 3 (27:57):
Would you just stay in Orlando for a couple hours?
Because it was great We got to have dinner with
them and a couple of drinks and catch up, but
which was sweet. But I was like, I probably would
have just rented a car. How okay? To drive from
New York to here, it's around like what sixteen hours.

Speaker 2 (28:12):
I think it's a I think it's about a thousand
miles or I don't know how many.

Speaker 3 (28:16):
It's like, okay, would you just rent a car? Probably
well run it into the ground.

Speaker 2 (28:22):
Well.

Speaker 4 (28:22):
Also, he didn't know that it was going to be
that long, because you're thinking that, you know, they just
string you along. It's like it's gonna be four hours.
You'll find You're like, all right, I could be four hours.
They're like, oh no, it's gonna be another five. Like okay,
they're like, oh, you're gonna get in this plane to
Boston and then you're gonna get here, and then you
get to Boston like yeah, there's no more planes. You're like, okay,
now I'm in Boston.

Speaker 3 (28:38):
It's a sixteen hour drive.

Speaker 2 (28:40):
Sixteen hour drive, it's long. Yeah, I've driven. I've driven
the drive from like Wisconsin to Florida, and who hasn't
in one shot, that's like twenty four hours of la
Man's basically.

Speaker 3 (28:54):
Yeah, it's probably. Is it because of the two lane
ribural roads?

Speaker 6 (28:58):
No, it's just because it's far, all right, Okay, that's
just super far.

Speaker 3 (29:10):
You deserve that.

Speaker 2 (29:13):
And the other. So I'm you know, well, once the
government shutdown gets over, hopefully we can get to the
air traffic controllers back. But I read an article they
say a lot more of them are calling in sick
and using their sick days now that they're not getting paid.
Uh missed a paychecks. So that's going to just not
get better till it gets better. Where did that come from?

Speaker 4 (29:40):
Uber? Doing door dash and stuff?

Speaker 2 (29:42):
The cool Oh, I see what you're saying. Side job.
That's funny. Other cool news out of the airport Orlando airport, though,
we're going to have some direct flights next year to
Tokyo from Orlando. I guess it's a pretty limmited thing though.
It's some four flights or some charter flights. They're going

(30:03):
to check it out and see.

Speaker 4 (30:04):
Yeah, that is exciting. I thought it was so exciting.

Speaker 3 (30:07):
Have you guys been in Tokyo.

Speaker 4 (30:08):
I have never been in Tokyo.

Speaker 3 (30:10):
You've never been?

Speaker 2 (30:12):
You've been?

Speaker 3 (30:12):
That's a simpce jam you over, Simpson. You've been to space? Sure,
you've never been.

Speaker 2 (30:20):
Yeah, right now, it's like going to Australia. You know,
it takes like eighteen hours. You got to have a
layover in wherever, California or somewhere or Hawaii. And but
they're saying the new the new flight would take a
lot less time, something like thirteen hours, twelve to thirteen hours.

Speaker 4 (30:37):
To go up a buzz over to Tokyo.

Speaker 2 (30:39):
Yeah, thirteen hours. I could sleep for thirteen hours.

Speaker 4 (30:42):
Sure not on a plane though, right, that's tricky. Here's
someone has said I installed some new speakers in the
shed gym to listen to h l R more better.

Speaker 2 (30:52):
That's that's awesome. That's awesome installing speakers in your shed.

Speaker 4 (30:58):
That's good. A rite of passage, Jim, it's a SHD gym.

Speaker 2 (31:00):
Oh shed gym?

Speaker 4 (31:01):
All right, Yeah, it's a gym and it's also a shed.

Speaker 2 (31:03):
Well there you go. I need one of those.

Speaker 4 (31:07):
It's the shed gym. Here's why I says I have
a loan at one hundred ninety thousand. I was wondering
if I could take out a home equity loan and
pay off this loan and get some cash out to
get a new roof and upgrade my electric panel. Just
the panel is that? Does that mean I do all
the electrical.

Speaker 2 (31:21):
Yeah, well, I'm guessing their electrical panel. Like sometimes when
they get older. Insurance companies will raise your premiums if
there's certain electric panels that have been noted to have
flaws in the past or okay, flall equals fires when
you're talking about electrical panels typically, but yeah, you may
want to upgrade that panel, either because it's old or
to get better insurance. The question The question was, though,

(31:45):
can they take out a home equity line should pay
off the mortgage.

Speaker 4 (31:49):
They also want to pay off about fifty thousand dollars
in credit card debt. The house is worth three hundred
and their current rate is six point eight seventy five.
They have a loan that's one hundred and ninety.

Speaker 2 (31:58):
Now, yeah, I think you wouldn't want to do a
home equity line or a helock to do that and
pay off the mortgage, because you can get a better
rate these days right now by just refinancing, doing a
cash out refinance, so we can at the same time,
we can lower that six point eight seven five rate
down quite a bit, probably close to a point if
not more, depending on your credit and your qualifications and

(32:20):
so forth, and you will be able to save money
that way by getting the rate down and then also
get that money at that same lower rate. If you
do a home equity line, they're at six point eight
seven five. I think a home equity line would be
right around there as well. But you can get lower now.
If you've got a six or seven in front of
your rate, you owe it to yourself, definitely. If you
have an eight in front of your rate, you owe
it to yourself to at least find out if you

(32:40):
can if a refinance makes sense. You may not even
realize that you can get rates down in the fives.
Right now, I'm refinancing dozens of people that have rates
in the sevens or high sixes down into low sixes
or even mid fives. In some cases, depending on the
type of loan fifteen year loan, fifteen year loans, you
can get down close to five percent, maybe even into

(33:02):
the fours, depending on what you're doing. So we're at
the lowest rates we've had in over three years. So
a lot of people don't realize that, but it's really
starting to make the housing market home a little bit.
There's a lot more buying activity. We've got a lot
more new contracts coming in because the rates being lower.
You know, between a seven and a half and a
five and a half. You're talking three or four hundred

(33:22):
dollars difference in payment every month, So that makes a
big difference. That money is just interest, pure delicious interest.

Speaker 4 (33:28):
Money that you're just spending.

Speaker 2 (33:30):
Your bank thinks it's pure delicious interests.

Speaker 4 (33:33):
But money, it adds up.

Speaker 2 (33:34):
You think about it. If you say four hundred dollars
a month, that's that's what forty eight hundred dollars a
year five. I mean, let's round up five grand a year,
so in ten years you can say fifty grand. That's
a heck of a vacation day. Where are you vacation.

Speaker 3 (33:48):
Of France? Three times a day?

Speaker 2 (33:51):
Tokyo?

Speaker 4 (33:52):
Yeah, just going to Tokyo for sushi.

Speaker 2 (33:56):
Well take me, I want to go.

Speaker 3 (33:58):
You've heard of publics? Yeah, prefect. I should check out
in Japan.

Speaker 2 (34:04):
I still wonder why we haven't gone. You know, we
had for many, many years we had the concord, the
plane that could fly across to another country two or
three hours, and we regressed and we've never gone back
to a fast plane. It seems like we know we
had the technology twenty five thirty years ago.

Speaker 3 (34:20):
Apparently the fuel was crazy expensive.

Speaker 4 (34:23):
Yeah, well yeah, hence.

Speaker 2 (34:25):
The Yeah, but I mean, so were the tickets. It
was a super expensive flight, but I guess it was practical.

Speaker 3 (34:30):
Yeah, well it was safe too, had a very safe
flying record.

Speaker 2 (34:34):
You give me a three hour option to uh to Tokyo,
I'm going to try it out.

Speaker 3 (34:38):
Now, what if the other option was a teleporter that
might you know, burn your bud a little bit.

Speaker 4 (34:44):
We know what, you know, how much damage there's going
to do?

Speaker 3 (34:48):
Well, there might be some radiation poisoning.

Speaker 4 (34:51):
That seems bad.

Speaker 2 (34:52):
The biggest worry.

Speaker 4 (34:53):
It's just like a bad sunburn maybe, but I agree,
But yeah.

Speaker 3 (34:56):
To teleport somewhere like like that on.

Speaker 2 (34:59):
The biggest worry in my book, based on what I've
seen about teleporters, is that a fly could get in
there with you and then bad things happen on the
other side. As Jeff Goldblom, he'll tell you.

Speaker 3 (35:09):
That is one of the worst, like greatest slash body
horror films.

Speaker 4 (35:14):
Ever, super super horrible.

Speaker 3 (35:16):
It's way worse than the substance. Yeah, the substance is great,
but the fly is just grotesque.

Speaker 2 (35:25):
Yeah. The substance I saw when it came out. It's
luckily it's faded from my memory. It was really it's
a really good show in a in a good message,
I guess, but super graphic. I couldn't look at a
lot of the the movie. I always like examining my
sandwich or you know, chicking my text.

Speaker 3 (35:44):
Looking up just just for the nude parts.

Speaker 2 (35:47):
Well there you go. It sounds like you've done your homework.

Speaker 4 (35:50):
Yep, yep. Allegedly allegedly reading Playboy just for the articles.

Speaker 2 (35:54):
Yep, did you do that?

Speaker 4 (35:55):
MJ No.

Speaker 2 (36:00):
Listen to the Home Loans radio show with that mortgage
guide don We're here doing what we do every single Saturday.
You can check in. You can text in questions to
seven seven zero three one. Tell us what you're doing
out there. You can also apply for a loan you
can get You can find out if you're eligible for
getting pre approved or getting down payment assistance, or if
you just want a free easy quote. You can go
there and find out what you could do with a

(36:21):
refinance or a purchase so or if you've already got
a quote for sure, you want to go there and
use a compare quote feature. More about that at the
top of the hour.

Speaker 4 (36:31):
Cool Cool, Cool, I wanted to ask you about the
about the FED and the raid and all the stuff.
There's a lot, a lot of a lot of machuguna
about all over the you know, there's interwebs and the
news is and they everyone was talking about it. So
what happened.

Speaker 2 (36:43):
It's just a flutter, you know, there was a we
we got we got a few seconds here. It was
a big flutter of news. So the Fed did announce
that they're going to lower the prime rate or lower
the prime rate another quarter point, which you know doesn't
affect mortgage rates. Instantly, I got the regular number of calls,
you know, saying the prime was lowered. I want, I
want to lower rate, and I have to explain that
it's not It doesn't exactly work like that. It takes

(37:04):
it takes some time to trickle down to the rates.
And so and then UH co chairman Powell, the Fed
came out and had some comments that you know, don't
count on another one this year in December, which basically
made the markets, uh, you know, go nuts for a while.
I don't know his job is to to you know,
I guess telegraph what's going to happen, but basically he

(37:27):
was telling the markets, don't assume there's going to be
another prime drop in December. We'll see like a like
a mom at the store when a kid says, can
I have candy? Well, we'll see, we'll see how you behave.

Speaker 3 (37:37):
Yeah, let's see if you can get those grids up
and you know you have solid seas you're like.

Speaker 4 (37:43):
Get your finger out of your brother's ear.

Speaker 2 (37:44):
Oh what about that didn't know where you were going
and was hovering over the dump button?

Speaker 3 (37:49):
Dump buttons on.

Speaker 4 (37:52):
It always is.

Speaker 2 (37:53):
You're listening to the Home Loans Radio show. We'll be
right back after these fine messages.

Speaker 4 (37:58):
Hey, it's the Bran from the news junkie.

Speaker 3 (38:00):
Do you have a question for that mortgage going on?
Text him at seven seven.

Speaker 4 (38:03):
Zero three one.

Speaker 3 (38:04):
No, back to home Loans Radio on real Radio.

Speaker 4 (38:09):
That's right, that's right, coming back to home loan, Home
Loans Radio, that's right. Yeah, we're going to talk about mortgages,
what we do, but mostly we just want to talk
about Ozzie. Yeah, Ozzy, the great night of Ozzy, last night,
so good, so good, the night of Ozzy, the night
of Ozzy.

Speaker 2 (38:29):
And if you don't know, you're saying, you silly fools,
Ozzy he passed away, but no he was back last night,
Halloween night night only at Will's great show. That was
a great show.

Speaker 3 (38:40):
It was It was really fun. The amount of people
who came up to just look at me and go
thank you.

Speaker 2 (38:45):
What did I do? There were some fans there that
knew every single or of every song, like, well, obviously
you had two because you were singing it, but I
don't know all the words.

Speaker 3 (38:56):
I went over my lines.

Speaker 4 (38:58):
Well done, and I appreciate that you didn't take the
low hanging fruit and you know, do anything with a
with a bat?

Speaker 2 (39:04):
No ah, well, you know, not that we know of. There.

Speaker 4 (39:12):
There was a very cute bat there, but I assume
that was, you know, more of an after party situation.

Speaker 2 (39:19):
There you go. I just saw changing subjects back to
the I was talking about the big delays at Oya,
about the about the you know, shortage of air traffic
controllers on Thursday going into Friday. They say it's supposed
to be improving today, but we'll see. This was the
actual advisory that was issued. This is a quota, says
users can expect a period of time later in the
evening when no arrivals will be able to land as

(39:41):
there will be no certified air traffic controllers available. Thursday
night at MCO that was Thursday. That was that was
the warning they set out. It's like, oh, okay, well yeah,
there were a lot of delays country wide. It wasn't
just Orlando. There were multiple airports in the same scenario.

Speaker 4 (39:55):
I mean, Orlando is the one that was riling the
cover of the New York Times.

Speaker 2 (39:58):
It's like, well, yeah, that makes sense.

Speaker 4 (40:00):
Orlando. A lot of people come here.

Speaker 3 (40:02):
Yeah, it's a big it's a big airport.

Speaker 4 (40:04):
Yeah, they said, the biggest one in Florida. I'm like,
I don't know, it seems like a big one.

Speaker 2 (40:08):
You had asked me before the break what happened with
the FED and all of that on this past week.
So they did say they're going to lower the prime rate,
and we are seeing mortgage rates right now in the
three year low, the lowest we've seen in three years.
Right now, if you've got a six or a seven
in front of your rate, you should be looking at
a refinance. You probably can save anywhere from one hundred
to five hundred dollars a month, depending on you know

(40:28):
what you're what you're looking at. So there's some big
savings available for that. Well, we'll see what's gonna happen.
The markets are changing. But the good news is, as
of right now, mortgage rates are low. You know. The
we'll see a lot of it depends on what's going
on with the tariffs and things like that, and it
seems like at least what we saw there may be
some reduction in tariffs with China, and we'll see maybe

(40:50):
some of that will start to simmer down as well
and help the interest rates. But I'm happy with where
they are right now. We haven't seen rates in the
fives in quite some time, and depending on how well
qualified you are, you can get in the five or
even you know, low sixes.

Speaker 4 (41:02):
Lots of people doing it, oh man.

Speaker 2 (41:03):
I mean it's yeah, the phones ringing off the hook.
People have been clamoring to save money. People want to
take equity out of their homes. They've just been waiting
because the rates have been too high. They want to
do it at a seven percent rate or you know,
or what have you. We have right now two things
going on in America. One is the highest credit card
debt in history. Yeah, that's how it's going to mention

(41:24):
in the trillions, the highest student loan debt in the trillions.
And also the highest amount of equity that people have
locked up in their homes in the trillions. So all
three of those things together is making an environment of
people that are ready now to do cash out loans
where you can take money out of your house in
the five percent range to pay off you know, credit
card stuff or whatever that's in the thirty percent range.

(41:46):
It can make good mathematical sense depending on your particular scenario.

Speaker 4 (41:51):
Yeah, I think so.

Speaker 2 (41:51):
You get a text in your questions to seven to
seven zero three to one.

Speaker 4 (41:55):
Here's the one who has an FAHA loan for a home.

Speaker 2 (41:57):
Org.

Speaker 4 (41:57):
It's taken in twenty seventeen possible for us to have
the mortgage insurance costs remove from our payment. So I
guess they have that PMI PMI, Yeah, yeah, which is
PMI again does not ensure your house.

Speaker 2 (42:08):
PMI is something that you get when you if you
buy your house and you put down less than twenty percent,
then you have this insurance policy that you also pay for.
It doesn't ensure you. It ensures the lender if you
were to foreclose. It helps them defray costs of getting
in the house you know, foreclosed on and resold, but
it doesn't do anything for you. So if you once

(42:29):
you get the equity established, like if you have a
conventional loan, you can it can drop off automatically, or
you can get it dropped after a couple of years.
If your equity gets above that eighty percent mark, FAHA
never comes off of there unless you put down more
than ten percent when you bought the house in twenty seventeen,
then it would come off after a mere eleven years.
You can look at refinancing it. So what I would

(42:49):
say is, look at your rate. If you're that FAHA person.
If you got a rate in the sevens eight, so
you know, high sixes, you could probably look at switching
it to a conventional loan if you have more than
twenty percent equity, and at that point you could drop
the PMI by switching an FHA to a conventional loan.

Speaker 4 (43:06):
More is that question, why did my mortgage payment increase
suddenly from one month to the next.

Speaker 2 (43:11):
More that happened is really only a couple of ways
that your mortgage payment can increase because the actual mortgage itself,
the principle and interest that you're paying on your loan,
that stays the same for the life of the loan.
It can't change. It doesn't matter even if you're servicing
gets sold to a different company and you're making a
payment to someone else, Your actual mortgage amount, the principle
and interest portion cannot change. Ever, it's what's written in

(43:32):
the mortgage. What changes are your taxes? Your property taxes
get raised from time to time. Lately it seems like
it's been every year they've been raised for the last
four or five years. And then also a big problem
we have in Florida is that homeowners insurance continues to
be a problem and premiums are too high. So as
those premiums go up, you may see and increase to

(43:53):
your mortgage payment. The reason it goes up so suddenly, though,
So let's say your insurance went up and your ESCRO
payment didn't go up, but you were for a whole
year you were one hundred dollars a month short on
your insurance. Well, when they go to up update your
payment to offset that, they have to double the shortage.
They can't just raise it one hundred bucks. They got
to raise it two hundred bucks because they got to

(44:14):
pay the shortage for the past year where you've been short,
and they got to make sure you're not going to
be short. The year that's upcoming. So whatever changes, the
impact gets doubled when you see it in your payment.
Now you can you can get ahead of that. If
you know your insurance is going up and you're going
to be one thousand dollars short, you can send them
one thousand dollars towards your ESCRO account so that your
payment doesn't actually have to go up when those things

(44:35):
modify and change. That's a great question. Thanks for texting
it into seven to seven zero three to one. You're
listening to the Home Loans Radio Show. We're going to
take a quick break. We'll be back at the top
of the hour.

Speaker 5 (45:08):
You yes, it's every day that sounds in.

Speaker 2 (45:19):
The hey hey hey, hey, hey, hey hey, good morning.
Welcome to the Home Loans Radio Show with that mortgage
god don that's right, we're here, we're doing it. We're
all in our places with bright shiny faces. And among
those faces we've got MJ. Good morning, MJ, Good morning,
Good morning, mister fritz yoh crazy ah, you still got

(45:44):
a little voice left.

Speaker 3 (45:46):
I'm gonna try to get rid of it.

Speaker 2 (45:47):
Door all right, Welcome back to the Home Loans Radio Show.

Speaker 4 (45:50):
He's making his way through.

Speaker 2 (45:53):
Ozzie the show is leaving the sands pieces.

Speaker 4 (45:58):
He's still in there, but he's he's departing.

Speaker 3 (46:00):
Who is all the way out? He's looking for like
sandwiches he can take with them?

Speaker 2 (46:08):
What was that? What was that you brought us back
with Fritz?

Speaker 3 (46:10):
That was the song nice my Florida slang.

Speaker 2 (46:13):
My Florida slang, very nice. So you can listen to
Fritz's music anywhere you find music, you can look for
Florida Florida slang, the real Fritz or Corvis Incorporated. And
of course thank you as always for playing your live
music right here on our show on Saturday Mornings where
we do what we do.

Speaker 4 (46:30):
Hell yeah, here's the one that says, I own numerous
properties that are paid off completely on average. How long
would it take to take out a loan on one
or more of the properties in order to get funds
to use for other things? My credit rating is excellent.
Does that make a difference?

Speaker 2 (46:44):
Sure? Yeah, if you're taking cash out of an investment property,
you you know, credit score is key. You want to
have a good credit score helps you get a better rate.
So the question was how long does it take? Like
how long is the processed?

Speaker 4 (46:55):
They have multiple and multiple properties that are all paid off,
no loans. How long does it take to get that
money out?

Speaker 2 (47:03):
I would say, you know, if you're doing just like
a home equity line or something, those take about a
week or two. If we're doing a regular cash out loan,
about three weeks, four weeks, depending on how long the
appraisal takes and that sort of thing. But safely within
a month you get started. Now, you shouldn't be able
to have your money by the end of November, for sure.
You can text in your questions to seven seven zero

(47:23):
three one. Did I answer the whole question?

Speaker 4 (47:24):
Yeah? I think you did. Here's someone who says, I
have the Heroes. They have the Heroes loan they got
they got a Hometown Heroes loan. Yeah, and they want
to refinance and lower their payment, but they're worried because
they have to pay that Hero's money back from the
down payment before they can refight any options. They've saved
about ten percent towards the REFI.

Speaker 2 (47:45):
Well it, you do have to pay back the Hometown
Heroes money. If you refinance or sell your home or
turn it into a rental property after you know a
year you're allowed to do that, then you have to
pay back whatever grant you caught for the Hometown Heroes program.
So there may be enough equity and the property to
do so, it depends on how many years ago they
did that. You may also have enough equity to consider

(48:07):
looking at a helock or home equity line to take
some equity out. So it really it kind of depends
on the specifics of the scenario, how much you how
much the property is, if it's appreciated, what it would
appraise for that kind of thing. If you just did it,
like if you just put down three percent last year
and closed on your house with a Hometown Heroes program,
it's unlikely that you're going to be able to refinance

(48:27):
this soon. But if you did the Hometown Heroes program
three four, you know, five years ago, in the first
couple of years it came out, then then that might
be a better option than if not, the option would
be a helock or home equity line. Great question. Thanks
for texting that into seven seven zero three to one.
Guess what time it is, mjo It's time to compare

(48:48):
to quote. It's time for the compare quote of the Week,
Miss dot Com Compare Quote of the Week. You ask,
what's that don't worry. I'll tell you it's about a
couple years ago, I read a study that said less
than twenty percent of people compare the first mortgage quote
they get. They get that first one, and then they

(49:10):
just go on. And the reason that also in the
in the survey was that it's just too much of
a hassle. I really believe that people should compare their
quotes because I see a wide variety, a wide range
of different rates and prices and things that people when
they send me these quotes. It's amazing to me to
see how much money people leave on the table. So

(49:31):
I made my personal mission to make it easy, created
a thing on my website. All you have to do
is go there, you hit the button that says compare quote.
You type in your email at your credit score, and
you upload the quote. And then I look at it
and I tell you if it's treasure or if it's garbage.
And a lot of times guess what garbage? Garbage, garbage, garbage.
This week, the quote this week was for an R

(49:52):
R L loane. You're wondering what that.

Speaker 3 (49:54):
Is in real life?

Speaker 2 (49:55):
Loan earl earl Earl is a VA loan for veterans,
and it's stands for interest rate refinance reduction loan. That's right,
an I, three r's and an L and they say
earl off the time. They had a rate previously, so
they're refinancing. And they had a rate of seven point
seventy five and that's uh. They're doing what they're supposed

(50:15):
to do right now. If you have a rate with
a seven and you should be looking into refinancing it.
They had got to quote from Rocket Mortgage. They told
me it was Rocket Mortgage at six and a half
with no points. So that lowered their rate from seven
point seventy five down to six and a half and
it was going to save them around five hundred bucks
a month. They were actually pretty jazzed. They used the
word jazzed when they when they talked to him on
the phone. I think we're super jazzed. We're going to

(50:37):
save five hundred bucks. But we thought, you know, we'd
let you see if you could do any better. So
I amplified their jazz because we were able. We were.

Speaker 3 (50:51):
That's a good that's a good jazz joke.

Speaker 4 (50:53):
Yes, I think that's all you need.

Speaker 2 (50:55):
Mornes Wow in Talent Day with him I was able
to get them five point twenty five with zero points,
so they were at seven point seventy five. Rocket had
offered them six and a half, saving them five hundred
dollars a month. We got them down to five point
twenty five on a va earl loan zero points, so

(51:16):
there was no cost for the rate, and now they're
saving over one thousand dollars a month in pure interest.
This is a significant savings when you can save one
thousand bucks a month in interest.

Speaker 4 (51:28):
Go to Tokyo.

Speaker 2 (51:31):
And they said they had seen me on Instagram talking
about the Compare quote and I was able to double
their savings. The quote they had would have saved them
one hundred and eighty six thousand dollars over the thirty
year period. This is a five hundred and ninety five
thousand dollars loan. We ended up with what we did
saving them it would be over three hundred and sixty
thousand dollars through the refinance over the life of the loan.

(51:53):
That's an incredible amount of money, So don't sleep on it.
If you're sitting there with a rate in the sevens,
you are blowing some serious money every month. Every month
when you make your mortgage payment and check it out.
The quotes are free, they're easy, uh no hard credit pull.
We'll figure it out for you. In summary, they called
me up said we're feeling good. We got a good

(52:13):
quote that feels like it should. But they saw on
the gram my freeway to compare. Let's send it to
Don to find out if it's fair. They did it.
I saved them from toil and trouble. Abracadabra. Now you'll
save double. You don't need a broom or eye of
newt Just compare with Don and keep more of your loot.
Play the jingle Friz.

Speaker 3 (52:39):
Do com That was very macbethish.

Speaker 2 (52:42):
Little Halloween spice there. Yeah, a little Shakespeare there you go,
welcome back. Compare your quote people, and yeah, if you've
got a rate with a seven in front of it,
you're wasting money probably likely for sure. Anyway you can
text it in your comments questions to seven seven zero
three to one.

Speaker 4 (52:58):
Here's someone who says, if a house needs a new roof,
what are the options in closing with a conventional loan?
I understand insurance could be a problem, but is there
a way to get it done without doing the roof?
Before closing.

Speaker 2 (53:10):
Well, it depends on what level of needs A new
roof means.

Speaker 4 (53:15):
Right, yeah, I've got a roof. I need a roof.

Speaker 3 (53:19):
Is there evidence of fire? The number one number two.

Speaker 4 (53:24):
Shower in the living room that didn't needs to be there?

Speaker 2 (53:27):
Yea yeah, Say is this house in Jamaica?

Speaker 3 (53:29):
Oh god, yeah, that's true. You got to have really
strong roofs there.

Speaker 2 (53:33):
If so, if you're buying a house, sounds like they're
buying a house and the roof needs to be redone.
Does it look like it's a purchase scenario.

Speaker 3 (53:39):
I don't know.

Speaker 4 (53:40):
Maybe they're trying to sell it's I don't I don't
have that information.

Speaker 2 (53:43):
A question. Tell me a question.

Speaker 4 (53:44):
If the house needs a roof, what are some options
to closing with a conventional loan? I understand insurance could
be a problem, but is there a way to get
it done without doing the roof before closing?

Speaker 2 (53:53):
It depends, you know, like if the roof is actively leaking,
what's going to happen is your house gets a praise.
Let's just say we're doing a purchase or a refinance.
It doesn't matter when you're doing a loan. The house
is going to ge appraised. If the appraiser walks through,
they're not a roof expert, right, But if they see
brown spots on the ceiling, or they see dry wall
that's falling down from the ceiling, or they see shingles missing,

(54:14):
you know, from a cursory glance up at the roof outside.
They're not going to climb up there and look at it.
But if they can see that there's damage, or if
there's a blue tarp up there or something like that.

Speaker 4 (54:22):
The roof is nineteen years old.

Speaker 2 (54:24):
Okay, so roof is nineteen years old. It's on the
cuss If it's well, yeah, it gets harder and harder
to ensure roofs once they get to be fifteen years old.
If it doesn't have any damage and it's just old,
then we can close the loan as long as there's
some insurance policy that will cover you. We also have
a way that I do this with refinances and sometimes
with purchases. We have a contractor that will go in

(54:46):
and do the roof beforehand before the loan closes, so
that we can verify that it's good and then it
gets paid for out of the proceeds of the funds.
Either the proceeds of the purchase or the proceeds of
the refinance. If you don't have any leaks and there's
no visible signs of damage or anything. I don't think
that would prevent you from getting a loan in any way,

(55:06):
because it's not going to come up if you can't
get insurance, or you currently have lapsed insurance, or your
insurance was canceled because your roof is too old. And
then we would work with one of our insurance agents
and see if we couldn't get you a temporary policy
to close and then maybe redo that afterwards once you
have a new roof, and get you a cheaper policy.
So there's a number of ways to do it. I
just need to see kind of the EBB and the

(55:27):
flow and what you're trying to do, but we can
certainly figure it out.

Speaker 4 (55:30):
Does the insurance company already know how old your roof
is or do they care until there's a problem.

Speaker 2 (55:36):
Normally they normally know how when you do your policy,
Typically you're going to do something called a four point inspection,
and the four point inspection tells the insurance company about
your house. It tells it the four things are the roof,
the HVAC, the plumbing and the electrical. So when that
report is done, it tells them, hey, the roof is
you know, good bad. It will also sometimes say how

(55:59):
many years of life they think it has left it
Maybe it has three years of life left, five years
of life left if it's got any visible wear and tear.
But usually it's not a problem. The kind of the
general rule is no leak, no problem, as long as
you can get some insurance to close the loan, and
then once you have the roof replaced, you want to
get a new four point and get your new insurance
because it'll be cheaper with a brand new roof.

Speaker 4 (56:21):
Well there are no leaks.

Speaker 2 (56:22):
Excellent question. Yeah, check it out if you want to
find out if we can help you with that, reach
out to the website that mortgage guy don dot com.

Speaker 4 (56:30):
William and Titusville has been checking in and says the
holiday rhymes are the best holiday rhymes.

Speaker 2 (56:35):
I had to throw in a little Halloween there.

Speaker 3 (56:37):
Yeah, it was spooky. It was I think it was
maybe too spooky for everyone, but certainly me. Are you
spooky for me? But it was good.

Speaker 2 (56:44):
Should I have given out a warning.

Speaker 4 (56:47):
At trigger warning?

Speaker 3 (56:48):
Yeah? Maybe next time, Like if you have young kids
who might get spooked out. This might be too.

Speaker 2 (56:53):
Spook by Shakespeare.

Speaker 3 (56:55):
Nice Shakespeare.

Speaker 4 (56:57):
Yeah, Shakespeare's spooky.

Speaker 2 (56:58):
Yeah. I didn't write the toilet Trouble part, by the way.
I lifted that from Shakespeare. Okay, well you know, and
you know in full disclosure, I I've had asked people
do I write these? I'm like, yeah, I write these.
It takes a much longer than you think to write us.

Speaker 4 (57:15):
It's not just Chat twenty five no GPT. I always
call it chat. I'm sorry, Chat always.

Speaker 2 (57:21):
Drops the G She's closer, she's friendly with chat GPT.
She just calls some she just calls a chat. What
do you say, chet jemptee chat PT.

Speaker 4 (57:32):
There you go, Yeah, chatpie T been talking to.

Speaker 2 (57:36):
Me Chat physical theory.

Speaker 4 (57:37):
Yeah, I have a very pet. I'm very friendly with
chat Pete. I like, I always say thank you and
I'm very kind and I say how are you today?
And chat pet be talking to me right now.

Speaker 3 (57:47):
That that definitely is going to be one of those
things where in a year from now, it's going to
be a totally different thing of calling it, like chat
GBT is going to be like, now, let's call something else. Yeah,
and sang.

Speaker 4 (58:00):
Yeah, well I think it'll be chappy te.

Speaker 2 (58:03):
Well there you go. Have you Have you chosen a
name for yourself with your chat GPT? Nah because you
can tell it what to call you, No, I do.

Speaker 4 (58:11):
I don't want us to get that cozy. Right now,
we're just getting started. Where they asked me. You know,
I don't even know their gender, but they ask me
things like do you like this answer? You know, should
I talk to you this way or this way? And
I'm still, you know, narrowing that down. I don't want
it to be too informal because I want them to
know whose boss.

Speaker 2 (58:27):
That's like some perfect boyfriend vibes.

Speaker 4 (58:30):
It's a little bit like dandy.

Speaker 5 (58:31):
You know.

Speaker 4 (58:32):
I'm sorting this out.

Speaker 2 (58:33):
Mine, out of the blue started calling me sport and
I left. I don't know why.

Speaker 4 (58:38):
Hey chief, Hey sports chief chief.

Speaker 2 (58:41):
I never told it to call me a sport. It
just called me sport one day and I stuck with it.

Speaker 4 (58:44):
Mine, has it called me anything?

Speaker 2 (58:46):
Well, see, I'm just random. Maybe you're not as close
as you think.

Speaker 4 (58:49):
That's true. It's true. I don't ask any and my
stuff is very random. I'll just read an article and
go in and ask chappide something and they're like, I
don't know who this person is doing.

Speaker 2 (59:01):
I've gotten to where I'm really using the AI even
to search for information.

Speaker 4 (59:06):
That's what I mean. Google and Google.

Speaker 2 (59:09):
The other day I was looking at a countertop ice
maker and I asked it, like, you're the you're the
foremost expert on ice makers. Tell me about all the counters.

Speaker 4 (59:18):
You have to flatter chappy tea.

Speaker 2 (59:20):
You have to tell it who it is and who
you are and what you want I want it to be.
And then I said, I need a comparison of all
these I need reviews, I need videos, I need links,
and they're instead of searching forty different places, and Google
is just all right there in one question and one answer.
It's much more efficient.

Speaker 3 (59:34):
I got to say something. One thing that I've noticed
is very handy. When you are looking to buy flowers
and you don't know which ones are highly toxic to cats,
you can because it's a thing you got to make
sure you know if you have loved ones. Yeah, if
you drag the image, because some websites don't list what's
in it. They're just like take it or leave it, buddy,

(59:56):
You know what I mean? If you drag the image
over it over to AI or check and say, are
any of these plants toxic to cats? He goes, yes,
several of these plants are here they are and why
they are toxic? And I was like, oh my god,
I'm onto something. It was amazing.

Speaker 4 (01:00:16):
That is amazing, And I just learned the thing about
pulling the picture over.

Speaker 2 (01:00:19):
Yeah, you're listening to the Home Loans Radio show. We're
going to take a quick break. We'll be right back
for the final segment of today.

Speaker 1 (01:00:25):
Do you have a question for that mortgage guy Don
text us at seven seven zero three one. Now back
to Home Loans Radio on real Radio.

Speaker 3 (01:00:34):
Ah, And just like that, it's almost over. We were
having so much fun in studio seeing each other. It's
the first time we've been together since uh seven years
last night time, but a very long time. You're listening
to Home Loans Radio with that mortgage guy Don MJ
and me Fritz.

Speaker 2 (01:00:54):
There you go and welcome back. You did it. You're here.
You got a question there?

Speaker 4 (01:00:58):
One question that we can sneak in. All right, My
roof is thirteen years old, canceled. The lender took over
the insurance and the cost was lowered the payment. I'm confused.

Speaker 3 (01:01:11):
I like how, I like how someone tested in about
their roof, and then someone else is like, yeah, that
actually reminds me I should ask a question. That's why
I love the shot.

Speaker 2 (01:01:20):
Right, So the roof is thirteen years old.

Speaker 4 (01:01:22):
Was the paundry they said it was canceled? Is there
an inspection to try to get more coverage?

Speaker 2 (01:01:26):
Again, sounds like they have force placed insurance from their Just.

Speaker 4 (01:01:30):
The floors, windows, and electric and plumbing are shot. It's
a nineteen eighty six seater home with sighting.

Speaker 2 (01:01:36):
Yeah, that's going to be a tough one to get insured.
If what's shot everything it seems like.

Speaker 4 (01:01:41):
A floor's windows, and electrical and plumbing.

Speaker 2 (01:01:43):
That's yeah, it's going to be tough to get insurance
on stuff. So when when you have a mortgage and
your your insurance drops because of the condition of the property,
the lender will take out a policy just to cover
the basically cover the mortgage, you know, to make sure
that the property has an insurance on. But yeah, you
have to get some of that repaired. I do have
a you know, if you are in a position to

(01:02:04):
do a refinance to take cash out, we do have
a contractor that may be able to come in and
fix all that stuff up before we close and then
get paid for their work at closing, so we could
talk about that maybe as a solution. But great question.
Thanks for texting that in. Did you see this? Did
you see this John Morgan lawsuit that was announced the
other day, this Florida woman issuing SeaWorld Orlando after being

(01:02:28):
struck in the face by a duck while riding its
fastest roller coaster.

Speaker 3 (01:02:32):
I did see that. It gave fabio vibe. I remember
that when he was hitting the face by a goose.

Speaker 4 (01:02:38):
Yeah. Right.

Speaker 2 (01:02:40):
The lawsuit filed by Morgan and Morgan says the woman
lost consciousness and suffered permanent bodily injury, mental anguish, and
more and more in the accident on the Maco coaster.
And that coaster goes up to seventy three miles an hour.

Speaker 3 (01:02:55):
Wow, But getting hitting the face on a motorcycle.

Speaker 2 (01:02:58):
The part that I thought was fun, you know, because
the roller coaster is like in a lake, you know,
in a park. It's a there's there's birds there, you know.
But they're saying they should somehow see world new or
should have known of this dangerous condition because there's a
high speed coaster over a man made lake teeming with birds. Like.
I don't know how you make roller coasters bird proof

(01:03:19):
unless you got like a super big pool cage, get.

Speaker 3 (01:03:21):
Everyone with a helmet, or you maybe not design it
so close to a large body of water.

Speaker 2 (01:03:26):
Well, but it's in Florida. Yeah, yeah, there's there's birds everywhere,
but you can't see the birds.

Speaker 4 (01:03:32):
And that bird's gone.

Speaker 3 (01:03:33):
One day we will and jay right, their birds are
just waiting. They think they're so hide and mighty up
there flying around us us all the time.

Speaker 2 (01:03:42):
I don't think that's what the duck had in mind either.

Speaker 4 (01:03:46):
I'm going right for the coaster. I'm going right for
the coaster.

Speaker 3 (01:03:49):
And when you see that girl right through the roof five,
seat two, I'm going a head butter be right?

Speaker 2 (01:03:54):
Or did the bird yell kamikaze as it went in?

Speaker 5 (01:03:57):
Yeah?

Speaker 3 (01:03:57):
I could have.

Speaker 2 (01:03:58):
I don't know. Guess what time it is, m Jack?

Speaker 4 (01:04:00):
Who is it time for the speed It's time.

Speaker 2 (01:04:02):
For the speed around. That's where MJ's gonna ask me
a bunch of the questions that we haven't gotten to
yet today. If we don't get to yours, it doesn't
mean that I didn't want to just means we ran
out of time. Hit me up on Instagram, dm me
on Instagram with the question, or at the website. You
can ask a question there at that mortgage guy don
dot com. I'll answer him after the show.

Speaker 4 (01:04:22):
Can you can you do mortgage on a houseboat? It's
a houseboat. The houseboat is the same price as a
normal house, but there's just no land.

Speaker 3 (01:04:29):
We get this question probably every quarter, do we Yeah,
it's a very popular question.

Speaker 2 (01:04:35):
To my knowledge. If the houseboat is on water and
it's not attached to land, then it's more of a
chattel loan or what I would call a boat loan,
so it wouldn't be it wouldn't be a real estate mortgage.
You can get loans on them, though you can. They're
actually like a little tiny houses floating on the water
and stuff like that, but that's more of a boat
financing rather than a mortgage financing.

Speaker 4 (01:04:55):
Okay, here's somebody who purchased a house March up to
twenty five at seven point t They put three point
five percent down, No down payment assistance would be worth
their time to refinance now, so they've got seven point
twenty five and they just did it in March.

Speaker 2 (01:05:10):
They just bought the home in March. Yes, you have to.
You have to make at least six months worth of
payments before we can do a refinance. You gotta have
it six months. So we're we're there. We're at that point, right, remember, Yeah,
And it depends on the credit score. And it depends
they put three and a half percent down. It might
be worth looking that sounds like an FAH loan. It
might be worth looking at an FHA streamline. I think

(01:05:31):
that would probably be the easiest way to go. It
wouldn't go with an appraisal. It would go based on
the value of when the house sold. But I think
we may be able to get you down to a
lower rate, possibly into the fives on an FHA.

Speaker 4 (01:05:44):
Here someone's asking, Hi, don can you work magic? I
have a five ninety credit score. However, the house is
paid off and worth about three point fifty no loans.
How do I tap into that equity? I need one
hundred and fifty.

Speaker 2 (01:05:53):
K aberca dabra. They're on the theme that's right. They're
on the theme that, yeah, it can work, mad, I
mean to do an FAHA loan. You a score of
five eighty is typically what we're looking for for an
FAHA refinance, so we could certainly consider that, and the
rates on those are pretty good, high fives, low sixes,
depending on the exact score that we come up with.

Speaker 4 (01:06:12):
Here's someone's asking, is it possible to have part of
your house in a flood zone? And how do I
find out you can't?

Speaker 2 (01:06:18):
Ye? I would imagine, yeah, it happens. Sometimes it's part
of your property. Sometimes it's an actual piece of the house.
So when you're dealing with flood insurance, you can't get
something done called an it's part of a survey, like
a property survey. It's called an elevation or flood elevation certificate,
and it goes in and sees exactly which parts of
your property or your land or your house are in

(01:06:39):
the flood zone, and then you can be insured accordingly.
Like I've had somewhere, people are on a lake, and
so the FEMA flood map will say that they're in
a flood zone because one corner of it is you know,
one corner of the property is down by the lake
and that is in a flood zone, but the house
itself isn't, So they wouldn't need flood insurance. I've had
others where the flood zone just was part of their
deck Their decking was in the flood zone, so they

(01:07:00):
need flood insurance.

Speaker 5 (01:07:01):
Uh.

Speaker 2 (01:07:01):
And but if if any part of the actual structure,
the main footprint of the house is in the flood zone,
then you're gonna have to have some sort of flood insurance.

Speaker 4 (01:07:10):
All right, here comes a riddle. I speak without a mouth,
and I hear without ears. I have no body, but
I come alive with.

Speaker 3 (01:07:18):
The wind corn Nope, I come alive with.

Speaker 4 (01:07:24):
The wind no mouth, no mouth, and no body wind chimes. Yes, no,
it is not psychbout something that you.

Speaker 2 (01:07:42):
Read. Read the riddle again, I didn't.

Speaker 4 (01:07:44):
I speak without a mouth, I hear without ears. I
have no body, but I come alive with the wind.

Speaker 3 (01:07:53):
Leaves.

Speaker 2 (01:07:54):
I don't know.

Speaker 4 (01:07:54):
The answer is echo an.

Speaker 2 (01:07:56):
Echo, very Greek. Yeah, I go. Absolutely nobody got that one. Nobody.

Speaker 4 (01:08:05):
I'm sorry it was. It was built as a very
hard riddle.

Speaker 2 (01:08:08):
Well there you go. Well folks, you did it. You
failed at the riddle, but you listened to us.

Speaker 4 (01:08:12):
They might have gotten the riddle just because you didn't
get the riddle.

Speaker 2 (01:08:16):
If I didn't get it, nobody got it.

Speaker 3 (01:08:17):
Yeah that's right.

Speaker 2 (01:08:20):
Yeah, well, folks, you did it. You successfully wiled away
another ninety minutes of your Saturday listening to us prattle
on right here about all the things. Thanks for tuning in.
UH play us out of here with something cool Fritz, Bye.

Speaker 4 (01:08:39):
Skimmer.

Speaker 1 (01:08:46):
What you've been listening to Home Loans Radio with that
mortgage guide don Join us every Saturday at nine am
on Real Radio one o four point one and check
us out online at home Loansradio dot com