Episode Transcript
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Speaker 1 (00:00):
M M. Good morning, Lytington, your listener, Welcome home show
by Guardian Says Bank. I'm Larry Frits ten mad with
you this Saturday morning. Glad to have you tuned into us.
I hope you're having a good start to your weekend.
(00:21):
That's school, be ready to get rolling again. All kinds
of good stuff going on. So no, everybody's busy, but
we appreciate you taking time out listen to the show
with us this morning and we'll try to educate you
a little bit about what's going on in the market,
mortgage market and what we've got going on and hopefully
get your get you motivated to give us a call
(00:41):
over here at the bank, open to day from nine
to one.
Speaker 2 (00:43):
Phone numbers eight five, nine, eight nine.
Speaker 1 (00:46):
That's here in Hamburg South and drive is eight five
nine two six three three three three five, so if
you can hear she can call us. And we uh
didn't get the best of news this week. The Fed's
meant and and uh, I don't know what's going on
with all the information the rates, you know, Tim and
(01:06):
I we've talked about. We thought they should have been
lowered by now, but there's obviously some disarray with the
FED Board and so on and so forth, and the
talk on terraff and whatever else. But anyhow, the numbers
are not lining up like they want to see them
yet ten so rates are still the prime rate is
(01:26):
not adjusting at all. The ten year bond has not
been good, bad, or indifferent really, and am afraid we've
been holding at six point seventy five on a thirty
year fixed and we've got our fifteen years still five
point seventy five. So if we can just do a
rate and term refinance on a fifteen year forty five
point seven five, the closing cost only five hundred bucks.
That includes your appraisal, title work, everything other than Escro's,
and a filing fee which is generally about eighty bucks
(01:49):
in all the counties around central Kentucky. So we'll be
glad to talk to you about that, Tim. We haven't
talked about this in a while, but there's a lot
of people you know that are obviously moving towards retirement
at some point or another, and we just we like
to bring it up every once in a while that
before you turn in those that paperwork for your retirement
at wherever your employer may be, you know, make sure
(02:09):
that you've talked to your financial advisor and you got
all your ducks in a row U with your money
coming and going because no bonuses and overtime and so
on and so forth.
Speaker 2 (02:18):
A lot of times when people get.
Speaker 1 (02:20):
Retired, they're cash flow changes and that it'll keep coming. Yeah,
and if you're not prepared, you know, with your mortgage
and so on and so forth, it could you know,
sometimes you can come in a little too late on
trying to reduce some stuff. So we want to make
sure that we, you know, review that with you. And
if you're you know, we have several financial advisors around town.
Speaker 2 (02:42):
Many good ones that we do business with.
Speaker 1 (02:44):
We don't have a house investor or somebody, so they're
not afraid to refer their clients over here. We're not
trying to recruit anybody for four on one ks or retirement.
But it's a good connection and a good relationship we
have with several different people. But if you're in that
point of life when you're considering your opportunities on retirement,
keep us in mind and let let's take a look
(03:05):
and see what we need to do and what your
money is going to be. And you know, let's do
something before that income changes around. Well speak speaking of
four of one's Larry, Uh, you know we have our
four oh one program is managed my company called Pinching
Corporation of America, And I never knew till just recently
that we can actually engage with our planned administrator on
(03:27):
a regular basis and review how our portfolio is spread out.
So if you're contributing to a four ah one, see
what kind of access you might have to resources to
you know, help guide you to make maybe move some
funds that would be more beneficial to you.
Speaker 2 (03:45):
Because it's a crazy time in the stock market with the.
Speaker 1 (03:48):
Say I boom and everything's going on, it's always good
to at least know what's in your.
Speaker 2 (03:53):
Four A one, how you're invested. Yep. Well, I mean
I'm you know, when we called talk to them.
Speaker 1 (03:58):
You know, I would happy with the investments I've made myself, obviously,
but if you know how I am about it, I
like to study it and do it. But hell, I'm
thirteen point three percent over the last five years.
Speaker 2 (04:09):
Yep.
Speaker 1 (04:10):
I asked him how many people he was advising he
was making that kind of return on give him a
hard time, but I like to do my own investing
in my own stuff, and you do too, and you're,
you know, getting more serious about But you've made some
good changes at some good investments on his advice, and
you're right for people to have a four oh one
k with their employer or there's you know, something going on.
You it's just like anything else. And I'm, you know,
(04:32):
just like insurance to him. My daughter got up was
a new car shopping and.
Speaker 2 (04:39):
Online.
Speaker 1 (04:39):
I guess she was talking to some Liberty Mutual four
hundred and fifty four dollars a month. She twenty five
years old, ain't had a wreck, ain't had a ticket
or nothing, buying a car and four hundred and fifty
four dollars a month for Liberty Mutual. Once she goes on,
gets it from Progressive at one hundred and fifty.
Speaker 2 (04:53):
Dollars a month. But you got a shop, you got.
Speaker 1 (04:56):
To look around, and a lot of people on homeowners insurance,
you know what I'm say, And we see you got
to get a checkup from the neck up every once
in a while, get your policies out, see what the
cost is, and every once in a while you got
to reshop that stuff. Most people don't because it's out
of the side, out of mind, just like your mortgage.
And we're trying to talk to our audience today to say, listen,
if you bought a house at seven and a half, uh,
(05:17):
call us, because we do have an affiliation with not
only Freddy Mack, but the Federal Home Law Bank, and
so call us for a quote. And if you've got
those credentials that we talked about often, you know, and
that's you know, the bar is pretty high, seven eighty
middle credit score of TransUnion, Equifax, and Experience, and if
(05:38):
you've got twenty five percent equity in your property, we
may we've got a golden deal five hundred dollars clothing
costs and you know six points well from a fifteen
year five point seventy five, but a thirty year fix
at six point seventy five. You know, we can almost
match the clothing costs. If you've got those right credentials,
it'll be fairly close. I think it's nine hundred and
forty eight dollars versus five hundred. But if you're going
(06:00):
from like you said, seven and a half to six
point seventy five, you're saving three quarters of a point.
You're paying nine hundred dollars in closing costs and you're
saving five hundred dollars a month and two months you
broke even.
Speaker 2 (06:10):
And while you're out there, yeah, oh absolutely they're.
Speaker 1 (06:13):
Out there, but they're driving around listening to the show,
and you know they're they're not even thinking. You know
why we keep preaching it. Get your statement out and
it's out of sight, out of mind, tim And that's
why you know the auto draft and that auto payment.
These things change or something happens with your account, and
because it's just thought, I'm like, oh, you know, it changes,
but you're you're not aware of it. But you got
(06:33):
to get your stuff out and get your check up
from the neck up and see what your insurance is.
See how much different is that it was last year's
shop around. I've got to do the same thing. Mine
all comes doing September. I bought my house in September.
Birthdays in September, so I got license and insurance and
on all this stuff. And I can promise you no
I'll be shopping so and you know, the insurance is
(06:54):
such a scam anyway, they make you have it if
you're going to have a vehicle. So it's highway robbery
for the insurance companies, they don't you know, they can,
they can do whatever they want.
Speaker 2 (07:02):
You got to have the insurance.
Speaker 1 (07:03):
So it's and it's I understand why we have to
have it, and I'm glad we do have it, and
I'm glad that I have had it when I needed it.
Keep you from going bankrupt trying to prepare something, fix something,
or if you have a loss. You know, another story,
a quick story is and you know I've told this
story several years ago. Buddy mine, you know, worked his
butt off, his wife worked their bought off, the accumulated
(07:24):
a bunch of assets and never had updated their insurance
and had an accident and you know, it's only so
much coverage allowed. He hit somebody in a crosswalk and
then the lady got hurt and she had had some
work done, some surgery, and over a certain point, you know,
his insurance is only going to pay out so much.
And because he had an updated his insurance re made
he changes in fifteen or eighteen years or whatever it was,
(07:46):
you know, they didn't have as much coverage as they
needed for their you know, for the assets and stuff
they'd accumulated. So that's another good thing to take a
look at and make sure that you've got all your
ducks in a row, because if you don't keep up
with it, and your insurance agent you know, hasn't done
kept up with it as well, because of whatever reason,
you got to know what you need to know about
that stuff, and it's.
Speaker 2 (08:06):
A good time to do it.
Speaker 1 (08:07):
Well, it's a it's a bi chart, Larry, and I'm
going through one of the pieces right now, and that's
dealing with Medicare. And I've come to conclusion that to
get a you know, a decent extended care or assisted
living facility, Medicare doesn't have a penny. And that's something
that we all need to think about our long term care.
(08:29):
Who's you know, where are the funds going to come
from when you can't no longer you know, live independently.
And I think that that's where we're going to be
in trouble down the line. And we'll call it a
care you get may be subjective because you may have
to rely on Medicaid. As I understand it, and uh,
(08:51):
I don't know. It was just an eye open for
me in my in my family situation. So you always
got to take care into consideration. I know insurance is
important part of it, but your long term insurance and
where you're going to live, who's going to take care
of you? Yeah, that's a big issue. Yeah, and it's
you know, everybody, anybody that is our age and younger
(09:14):
and anybody that's older on us.
Speaker 2 (09:15):
That's something that we all have to deal with as
we go.
Speaker 1 (09:18):
And you know, you can I can't remember us talking
to somebody the other day that their mom had gotten
some type of inurech years ago that would pay for
nursing home care.
Speaker 2 (09:31):
You know what I mean.
Speaker 1 (09:32):
It was a policy that was offered and she got
it and paid it all the way through and then
it covers you know, that type of a deal. I
don't think they haven't seen that offered in forever, and
I don't know, you know, what would happen with it.
But you know, with social Security and what investment we're
just talking about our four one K and whatever money
we may have saved there and other investments and assets
we have, you have to be careful on how you
(09:53):
have that set up. If you got any assets or
equity there, that could be an issue for somebody to
tap into. But a lot of times, you know, just
like with insurance or anything else. Ten it's not until
PAM it hits you in the face and then you
start worrying and we're yeah, it's out of sight, out
of mind. But then we're sitting there preaching, hey, get
your insurance out. Take a look at your mortgage. You know,
if you're seven and have you bought something in the
(10:15):
last three years, you're over seven percent. You're over seven percent.
Get your stuff out. If we can save your quarter
for point, it makes sense, let's do it. If it's
more than that better, But for nine hundred and forty
eight dollars at closing costs, you can't how you gonna
you can't beat it. But there's still people that believe
you have to have a one percent rate drop for
it to make sense to do a refinance, which is correct.
(10:37):
If you're dealing with one of these online people, they're
gonna charge of twenty seven thousand dollars for refinance. But
that's not all we're doing. At Guardian seventy's bank. We
service these loans. It's gonna cost you nine hundred and
forty eight bucks. If there's no delivery feed put on
your credit and that puty and so on and so forth.
But you're gonna pay guardian. The payback's truly in the payback.
And so if you're gonna save a half a point
(10:59):
or three quarters of a point, you can break even
in a month or a month and a half or whatever.
Speaker 2 (11:03):
Why wouldn't you do it? You know, dollars a dollar, yep.
Speaker 1 (11:07):
But people are driving around listening to the show, and
they're running around probably about on empty. If you look
at their if their financial statement was their their gas
gauge in their vehicle and keep on driving, they won't
get the mortgage out when they get home and take
a look at it and see, and so they have
a you know, we just keep trying to jog them,
(11:31):
you know, just give them a call action, get your
account out, take a look at it, see where you're at,
see what your rate is, and if you're in them,
and you want to get pre qualified to buy, I've
had three prequels this week, you know, And I know
you've got something to Richard's got signed, and people are
still out buying and making stuff happen, and uh uh,
(11:51):
you know, it's just rates are hiring what we like
for them to be, but they are what they are
not as highs they've ever been. You know, you qualify
for what it is and you can always refinance, but
you nailed the earlier that you got people that are
seven and a half or high or no doubt, and
then from a couple of years into their home, their
house is appreciated and it'd be a good time to
get their paperwork out and look at We're gonna take
our first break of the day. Banks over today from
(12:12):
nine to one. Phone numbers eight five, nine, eight nine
nine one nine three six South and drives eighty five
nine two six three three three three five. If you
can hear, you can call us five point seventy five
on a fifteen year fix five hundred end closing cost
on the fifteen year nine it's a six point seventy
five on a thirty your fixed closing costs a little
bit more.
Speaker 2 (12:29):
But keep those two things in mind.
Speaker 1 (12:31):
Look up your information so if we can put something
together for you, were you to take a quick break.
You're listening to Welcome Home Show by Guardian Savings Bank
on News Radio six thirty.
Speaker 2 (12:38):
That's lap, We'll be right back your back.
Speaker 1 (12:40):
Listened a Welcome Home Show by Guardian Savings Bank ten man,
it was Gleavey Franks in into Saturday morning.
Speaker 2 (12:45):
Glad to have you tuned in to us.
Speaker 1 (12:47):
Appreciate you listening, and hopefully we can give you a
call to action, get you get your mortgage out and
see what's going on. If you bought something the last
two or three years, you're going to be over seven percent.
Rates are below that. Closing costs are cheap enough. You
could consider giving us a call if it doesn't make
sense for not gonna let us do it anyway, But
we've got to be able to get our paperwork out
and take a look at it. We're talking about interest rates,
(13:07):
we're talking about insurance costs for homeowners insurance and so
on and so forth. You just got to be able to,
you know, get it out, take a look at it
and see what's going on. And you know, we're talking
about people feel like they have to have a one
percent rate drop. And if you're gonna pay twelve with
thirteen thousand dollars in closing costs, which these people will
sure will gladly charge it, they'll sit there, what's their
(13:27):
claim to frame pinky?
Speaker 2 (13:28):
No money out of pocket? You know, no money out
of pocket?
Speaker 1 (13:32):
You just owe three ten, but we're gonna lend you
three thirty five and there's no money out of pocket,
but we're gonna charge you about twenty four thousand in
closing costs.
Speaker 2 (13:38):
But that's that's their claim to fame, but.
Speaker 1 (13:41):
Ours are, you know, our claim to fame is we
service these loans, have about three and a half billion
and servicing somewhere thereabouts, and the payback truly at the payback,
so we don't have to, you know, stab you with
a bunch of closing costs up front.
Speaker 2 (13:53):
And that's just the footprint and the way we do our business.
Speaker 1 (13:54):
Those companies that are doing that, they're just not going
to service the loan, so they have to make all
that money and cost and origination fees and yield spread
premium and all the jump fees.
Speaker 2 (14:05):
And all those types of things.
Speaker 1 (14:06):
Tim and we grew up with that, but at Guardian
it's just not something we do. We have our closing
costs and we service the loan and that that gets
people to circle back to us business wise, and and
we appreciate that too. But each month they're making a
payment to Guardian. Now our f H A k HC
USDA V A community housing those types of things. We
(14:29):
do not service those. They still don't have an origination
fee on them, but we do them. But you're gonna
wind up paying somewhere somebody else down the line on them, and.
Speaker 2 (14:38):
We try to point that out.
Speaker 1 (14:40):
But we do all mortgages only you know, I can't
do a car loan, the boat loan, or a note loan,
but I can lend you on your mortgage at any time,
and for non owner occupied if you want to get
a rental property, if you want to get a town home,
if you want to get a condo, single family, residents, whatever, duplex,
four plex, eight plexus, anything that real estate wise. Construction loans,
(15:02):
we've got a ton of construction loans and bridge loans
going tim the of the blanket as we call it,
or as a broad to bridge into your home with
no contingency on selling your current home in a purchase opportunity, yep.
Speaker 2 (15:14):
And you can take your time.
Speaker 1 (15:15):
Moving into the new place and moving out of your
old place, and when one sells, you pay down your debt.
We'll roll it over into a fixed rate. So that's
always an opportunity as well. But the main thing is
there's a lot of people out here that we know
that bought houses that are above.
Speaker 2 (15:31):
Seven percent in an interest rate, and their houses.
Speaker 1 (15:33):
Appreciated that paid down on it a little bit, and
you don't make any difference if you've been in your house,
if you've been in at a year, you can go
with the newer praised value. If you refinance with less
than a year, it's a purchase price or your praise value,
the lesser of the two. And once the average return
in central Kentucky property right now tim like six and
a half or seven percent. I think Woody was telling
we got to get Woody back on the show here
(15:53):
before long. You know, it's an opportunity to get your
paperwork out. Take a look at it, give us a call.
If it makes sense, we'll do it. That's fine. But
for nine hundred and forty eight dollars to do a
refinance and save three quarters of a point. And another
thing that guardian say, you've been in there for two
years and you don't want to go back to thirty.
We can put you on twenty eight years. We can
put you on twenty six years and two months. We
can put you on twenty three years and eight months.
(16:15):
It doesn't make any different. We can't go in less
than ten years, but we can put on whatever ametorization
schedule needs to fit your schedule of payment, your incoming out,
go and go from there. And if you don't want
to start back over on thirty, that's fine. Had somebody
we were talking about early to day as a matter
of fact, tim where they were like, my payment is
(16:36):
six forty eight, if I pay eight hundred months, how
quick will I pay my loan off? And I can
go in there and pop that in there and it'll
show me how much it'll save it. And you know
that we have no problem with that. We don't have
a prepayment penalty on our stuff, and you don't have
to have a check in your savings account. Do you
tend to do along with us for nine hundred and
forty eight by sir, All of those things are practical
(16:57):
in my view, And obviously that's why I work here
guarding and just you know, just trying to you know,
get give you a call to action, as we say,
to try to get your paperwork out and see what
your rate is. And if you're listening to the show
and your kids, your grandkids, or your neighbors or your
good friends, whatever, you know they bought a house the
last you know, eighteen thirty six months anywhere in that
timeframe today, call these people over at Guardian eight five nine,
(17:19):
eight nine nine one nine three six see if they
can put a quote together, if you'll save you any money,
and you know, hopefully, uh, we'll be.
Speaker 2 (17:27):
In the mix.
Speaker 1 (17:27):
And I don't know why we wouldn't if you're anywhere
above seven percent. So it's just the opportunity for you.
Penny saves a penny earned. If we can increase your
cash flow, then let us do it. Then we're going
to take another break. You are listening to Welcome Home
Show Banks Open to day from nine to one. Phone
number is eight five nine, eight nine nine one nine
three six South and Drive eight five nine two six
(17:49):
three three three three five, So if you can hear,
you can call us. We're gonna take a small and
we'll be right back. Pay the bills a little bit
for Tim and Anna time Larry Frisman. Listen to Welcome
Home Show by Guardian Safeties News Radio six thirty.
Speaker 2 (18:01):
That's on WLAD We'll be right back. You're back.
Speaker 1 (18:05):
Listen to the Welcome Home Show about Guardian Savings Bank.
Tim and Larry coming at you this Saturday morning.
Speaker 2 (18:09):
Glad to have you tuned into us.
Speaker 1 (18:11):
Thanks over today from ninety to one on numbers eight five, nine,
eight nine, nine one nine three six South of Drives
eight five nine two sixty three three three three five.
So if you can hear you can call us and
be glad to talk to you about any of your
mortgage needs or any refinancing opportunity we can do. With
your pre approval for a purchase. I told Tim earlier,
(18:32):
we've been got several of those. I've done several pre
approvals this week and got some pre approval letters out,
so I haven't had a whole lot of success and
everybody winning their offers and the bids. There are still
a lot of people out here going for the same property,
and I think the homes are spending a little bit
more time on the market now too, Tim. And do
you find some information recently showed some.
Speaker 2 (18:53):
Of that stuff. I'm sure.
Speaker 1 (18:55):
Yeah, the numbers have crap up on days on market,
and I think that's evidence by well we talked about,
you know, in the last few weeks is according to statistics,
there are more available homes on the market across the
country right now than there were even a year ago. Yeah,
(19:15):
thirty three percent more homes and thirty percent less permit
So the market is going to switch around a little bit,
and they just got to know where you're at.
Speaker 2 (19:23):
What's going on.
Speaker 1 (19:24):
Central Kentucky's immune to a lot of stuff, not all
of it. But the realtors here do do a great
job and keeping the market competitive and the values in line.
So they did an outstanding job during the last economic
downturn in the real estate market, and I think they
did a I think they do a great job in
this area, not only but they're selling homes in the
way that they do things.
Speaker 2 (19:43):
But like a lot of people don't realize.
Speaker 1 (19:46):
Him get I guess I digress, But I mean some
of the stuff that they help with with the real over,
Community Housing Foundation and other stuff. These realtors are involved
in the community in more than just one way that
I'm proud that to know that. Of course, we get
to do a lot of stuff with them because we're
involved with it too, But it's more than just selling holders.
Speaker 2 (20:07):
There are a lot of people that are doing a
lot of stuff.
Speaker 1 (20:09):
I don't know what we'll have coming forward with the
realators and so on.
Speaker 2 (20:14):
And so forth.
Speaker 1 (20:14):
But everybody seemed to pay attention, what's going on with
the market, What's going on? What was I know what
I was gonna talk about title insurance. We were talking
about title insurance of their You and I were yes.
And you know, when you were trying to explain to
somebody about title insurance and title insurance when you get
to a loan closing, Folks is insurance back in the
(20:37):
in the seventies eighties before you know, I guess that
when banks started trimming the fat, they some of the
people that let go was their legal their legal team
that they would have on staff, and they would have
somebody in the bank they would help put a wheel together,
maybe manage a trust for you, and they would do
the loan closings and the title work and so on
and so forth. And at some point they started letting
(20:58):
those people going hiring outside started services. So mortgage insurance
became an nescessity in mortgage insurance is to cover airs
and admissions of overlooked issues with titles, leans, past mechanics, cleans,
you know things like that. And Guardian Savings Bank we
service our own loans and we don't have title insurance
(21:19):
and realtors don't understand. Title insurance only protects the lender.
It doesn't do anything for the bar or whatsoever. If
if there's an issue with it, you've got title insurance.
The title insurance will protect anything that the attorney that
was hired messed up, overlooked, or failed to see recognize,
or errors that could have happened with the loan prior
(21:40):
to yours or what have you. So anyway, title insurance
is a necessity of ninety nine percent of the other
lenders out here. But a Guardian savings bank on our
in house loans and our conventional financing, we don't have
title insurance and that's where the biggest savings comes from
in our closing cost and title insurance only protects the lender,
so we don't impose.
Speaker 2 (21:59):
That cost to our borrowers.
Speaker 1 (22:03):
And like, like we were talking about it, for some reason,
there's an air or something and Guardian has a one
hundred thousand dollars mortgage with you. There's a three thousand
dollars lien that was out here that was overlooked. We're
going to take care of that Lian. We're not going
to lose one hundred thousand dollar mortgage over three thousand
dollars lien. We're gonna protect it. But that being said,
we've got three and a half billion dollars worth of
(22:24):
loans that we service at Guardian Savings Bank, and I
don't know how many the overall number of loans it
is in house that we're servicing, but I don't know that.
What they had maybe three claims and the last thirty
years from title insurance issues or less, you know, something
like that. It was just crazy. And so the work
(22:46):
that's done from the title agencies that we use, and
we have some good ones here in town that we
have obviously, but they can get online. They can do
the title searches online. They can look up all this
information and they go back and do what earty forty
year search on the property to address and dig up
the information.
Speaker 2 (23:04):
Tim and title insurance.
Speaker 1 (23:07):
Like I said, we don't charge it, don't We don't
impose it on the people. We have our own loans,
we have our own servicing. We have an insurance closing
letter from the people that close our loans, and if
there's a problem.
Speaker 2 (23:16):
You know, like I say, we'll get it taken care of.
But we've been here. What twenty years.
Speaker 1 (23:20):
I've never seen a claim, you know, and we've you know,
gone through years where we've lived three hundred and forty
three and fifty million dollars right here in Lesington, and
they never saw any bit of title insurance on none
of them. Just stress that not just because you're not
paying lenders title insurance doesn't mean you're putting yourself at
any risk, right That's and that's why I am trying
(23:41):
to say, because we we're taking all the risk, but
we're servicing the loan as well, and that's why we
feel like we can do it. We're not going to
let a mortgage loan have an issue with it over
a debt that was overlooked or an issue with the
title work. And obviously the success is in the numbers,
and that is I can't remember what the numbers were,
maybe maybe less than three last time we talked about
(24:04):
with our management, you know, and that was quite.
Speaker 2 (24:07):
A while back.
Speaker 1 (24:08):
But maybe I think when they've been here since nineteen
eighty nine, our former president that we were hired under
and he had never did, never recall having one at all,
but I mean he thought something must have happened somewhere
along the line.
Speaker 2 (24:22):
But we don't have title.
Speaker 1 (24:23):
Insurance and it's not a burden and it's not a
risk to our borrowers to not have it on our
loans that we have.
Speaker 2 (24:27):
And that's a big savings and it's status quo for
most lenders.
Speaker 1 (24:31):
Yep, it's going to be on there and you're going
to pay it and it doesn't All you're doing is
whoever that lender hired to do that title work because
of their business interests, they have to have title insurance
and they don't know who they're you know, they have
to protect themselves, and so you're paying for the person
they're picking to close. You're alone, and it hopes that
you don't have a problem. But we don't have that fee.
(24:53):
We don't have that charge. And it's the biggest savings
in the closing costs that I can come up with
as far as that's compared about anybody else's right, And
it's on a big purchase.
Speaker 2 (25:07):
That's a you know a lot of money.
Speaker 1 (25:09):
Yeah, I mean three hundred thousand dollars purchase, whether the
twelve hundred and eighty bucks or you know, or fifty
m so, I mean, you know, that's a savings that
you're gonna get we're gonna protect it, and we're gonna
be okay, it doesn't it's not a burden on you
and you don't have any risks.
Speaker 2 (25:22):
But yeah, I.
Speaker 1 (25:23):
Wanted to point that because people don't understand realtors don't
really understand exactly what is some of them. Some of
them do, but it's not a you don't have title insurance.
Now we don't. Well how can you get away with that? Well,
because we service the loans. We're not going to lose
the loan over an error or in a mission, but
we're not gonna have somebody paid twenty seven hundred dollars
for title insurance. I'm the person we've hired to do
(25:43):
a loan closing force in the tidle war, and that's
kind of what it boils down to the me in
a nutshell, But the savings are passed along to our
bars and that's what it's all about. And you know,
we sort like I said, we service the loans, which
means you're gonna pay Guardian as we go, and as
long as you have a mortgage with us our fha
USBA those eventually you'll wind up paying somebody else.
Speaker 2 (26:06):
We don't service.
Speaker 1 (26:06):
Those and those do have tidle insurance on them because
we don't service them, but they're part of the closing
costs and the program with those and it's it is
what it is, bar conventional side of it, Like I say,
five point seventy five on a fifteen year fixed and
five hundred dollars in closing cost him.
Speaker 2 (26:21):
Is there any place else in town you're gonna get
a better deal? There's done. I'm not familiar with it.
Speaker 1 (26:26):
And we're six point seventy five on a thirty and
you know, there's there's some of these rates that I'm
seeing on some of these programs that are six and
a half percent. So depending on what your credentials are,
I think you came across that deal at six and
a half percent on some of them. Right went through
our credentials tell the total clothing cost and everything is
and we're just passing the savings on to the bars.
(26:47):
And we wanted to talk about that a little bit.
It's completely different, and if you got some questions, give
us a call eight five nine eight nine nine one
nine three six. And that's why Tim and I keep saying,
if you've got a house the last three years, your
bumps seven percent in an interest rate most likely, And
if you want to see about getting to six point
seventy five or less, give us a call. If it
makes sense, we'll do it. If not, we can't anyway.
(27:08):
But if you don't ask, we can't help you. If
you give us a call, we'll put some information together
and see if we can save you some money and
increase your monthly cash flow, help you extradict your payoff.
Whatever needs to be done. We're here to service and
take care of it. But title insurance a necessity for
(27:30):
ninety nine percent of the people on the stuff that
we do. We don't require it because we service the
loans and we're probably want of the few people in
the country from what I understand, Tim, that is not
required to have it. And we do trade paper like
you said earlier with Federal Home Loan Bank and Freddie
mac fan he may on occasion, we may let us
since we're service and accept the risk and do it.
That's part of what the bank's willing to do to
(27:50):
keep the closing costs in line, all right. We want
to have a competitive rate and the best closing costs combined.
Speaker 2 (27:59):
And most of the time.
Speaker 1 (28:00):
We got can give us a call and we've play
on every problem with you call and shopping around seeing
what else is out there, something else to talk about credit.
A lot of people, you know we talked about got
had the right credit cndentials and this five hundred our
closing costs on a fifteen year fix of five point
seventy five seven eighty credit scores. Kind of what they're
after is the threshold that they're see king and it's
(28:24):
a I don't know, it's too far out of the
realm of a lot of people.
Speaker 2 (28:28):
Tenme. Back back when we first started doing this.
Speaker 1 (28:30):
You had people that were, uh, what was a six
twenty was the me and a minimum credit score. Then
it went to six sixty, and then sixt eighty, and
now it's up to seven eighty, and they keep changing
the criteria and all those credit scores coming together and
are based on a national algorithm I guess of people
(28:51):
that are similar and age, income, location, and you know,
they the algorithm they have to create these scores. But
it's all basically, you know, having three open lines of credit,
sixty percent or less balance on any the credit card
you have, paying your bills on time, and having a
(29:11):
history of being able to indicate you're capable of paying
your bills without having somebody call you looking for the
pay it's on a regular basis, but credit is super
super important, and you got to pay your stuff on time.
Speaker 2 (29:24):
You do have to have three open lines of credit.
I've had some.
Speaker 1 (29:28):
People I've talked with them recently about authorized users, tim
and you know, and I've been up with my daughters.
Put them on account authorized user and get something in
the credit bureau at least to have something going.
Speaker 2 (29:39):
And that would be something.
Speaker 1 (29:41):
If you got kids that are getting ready to get
out of high school this year or recently graduated last
year and getting off the college, or you want to
help them a little bit, you could get them on
an count that's an authorized user, open up something new
and add them to it. Or if you have something
that's not gonna make it look like they got credit
when they're eight or nine years old, you know, you
could do that too. So there's just different angles of
(30:02):
all kinds of stuff in here that are important to
the process. Credit being one of them, credit capacity, and
collateral the three c's, and we've been talking about that
for many years. So it's ah, we try to guide
you down in the right path and make sure our
loans make sense. If not, they're gonna let us do
it anyway. We're not going to waste our time and money.
And I don't need to practice working on stuff I
can't get done, Tim because we're we're in here working
(30:23):
on commission. We just want to close loan. But we're
going to take another break. We got one session left
and we'll be right back. But banks over there nine
to one one numbers eight five, nine, eight, nine, nine
nine three six here in Hamburg five point seventy five
on a fifteen year fix, five hundred dollars and closing
costs for six point seventy five on a thirty closing
costs for about nine hundred and forty eight bucks on
a thirty year fixed. So that doesn't include any filing
(30:45):
fees or escros ark or cash out. So just give
us a call eight five nine, eight nine nine one
nine three six. We're gonna be right back here. Listen
Welcome Home Show by Guardian Savings Bank on News Radio
six thirty w LAP.
Speaker 2 (30:58):
We'll be right back.
Speaker 1 (31:00):
Listen to Welcome Home Show by Guardian Savings Bank Larry
Fred's ten Adams with You this Saturday morning.
Speaker 2 (31:04):
We're glad to have you tuned in to us.
Speaker 1 (31:06):
I know my buddy Denver was listening to us down
in Richmond, and Carolyn from over TRIPAA, and we got
our regulars out there. They'd like to check in and
give us a report on what we're doing. I'll like
throw a shout out at him, and we appreciate people
listening to us, no call and give us a little feedback.
Obviously this is totally unscripted. And hear us in here
huh oh, and the dead silence because we're few, just
(31:28):
going about whatever comes to mind and trying to carry
on a conversation. Tim After nineteen years of this, somebody
might have caught on to.
Speaker 2 (31:35):
That by now. You really don't have to practice anymore.
Speaker 1 (31:37):
Yeah, So we appreciate you listening to us weekend and
week out and give us an opportunity to share with it.
But seriously, folks, if you got your kids, your grandkids,
your nieces, your nephews, you know, anybody's bought something the
last three years, give them our number eight five nine,
eight nine, nine one nine three six and say called
him Andrew Larry said, hey, you know, we're listening to
the show. We want to see what you can save
(31:58):
and let us take a look at it. We'll put
something together and if it makes sense, we'll move forward.
But if you're above seven percent and we can redo
you for nine hundred and forty eight dollars, then you're
you're throwing away money that you could be saving. If
you don't give us a call and if it makes sense,
we'll do it. If not, we won't. Usually what we
need in process, your loan can be sent in a
(32:19):
PDF file and we make it very easy. Well, I mean,
you know the process and when a couple of last
thirty days paced ups a couple of months, bank statements,
current mortgage statement, current home owners information checking or savings
four A one K.
Speaker 2 (32:34):
Home owners insurance. Just it's fairly simple. Process.
Speaker 1 (32:37):
Like Tim said, PDF and secure emails is what we do.
You can bring it by the office. That's one of
the you know, we be local by local and stay local.
I try to say that because that's what you're getting
with GUARD and you're gonna you know, you'll see Tim
and I out in about Heck, Tim, you got somebody
thrown out a double ball the other day. They came
in said they knew you and Jimmy ran them off.
You're gonna tell them the story. Double Dogs, if you
(33:01):
don't know, as a restaurant out here in Hamburg, and
it's an offshoot of Rafferties, and I've known them general
manager over Rafferties for many years. And he ended up
over here at the Double Dog restaurant. Some of my
friends brought their dog into the patio and told them
he walked around with greeting people as he normally does.
Jimmy and he asked U, They said, you know I
(33:25):
had He said, well, my friend said, well, you know
Tim Adams told us about this place, and he said
get out. Yeah, but it's it is a neighborhood place
that's just kind of you know, he's just got a
great sense of humor and he hasn't been there.
Speaker 2 (33:38):
It's Double Dogs.
Speaker 1 (33:39):
It's out in Hamburg, right next to Drake's and it's
a it's a little place and we like to go
to now read and it's like a cheers top atmosphere.
Well most of the time, you know everybody that's in there,
and there's always some always some spire or spirited conversation.
Marry Well, you know, it's one of my favorite places
(34:01):
to get on your rings. They got some of the
best onion rings in town in my opinion. And I'm
you know, I'm I know they ain't worth eating because
they don't do much for you. There's not a whole
lot to them other than they're good as shell. But gosh,
they're so good and the beer's cold. So we'd like
to go up there and visit with our clients and
each other and frightened eyes with other folks in the
area and various people. Got Matt and Alex and all
(34:22):
these people up there that we run into, Old Patrick Robinson, Douggy.
Speaker 2 (34:27):
Just you know, just a trip. You know, you just
got your you got your crew up there. We just
hang out.
Speaker 1 (34:32):
But if there's another play cocktails. I like to go
over to cocktails and get some good food over there,
some frog legs or a Hamburger and Bad's Mongoli and grills.
Speaker 2 (34:42):
A fun place over here in Hamburger.
Speaker 1 (34:43):
I mean, actually it's a good little you know, listen
to a great community and and we get to get
out and socialize and see some people are Our pay
for doing this radio show is outstanding, Tim, because what
do we get for doing it? Onion rings yeah, we
get lunch from a dinner for doing the radio show.
That's our pay for doing it. They real if you'll
listen to the show and give us a call, and says,
listen to the show, and I want to talk.
Speaker 2 (35:03):
To you about doing a refinance.
Speaker 1 (35:04):
I got a house in twenty and twenty three and
I'm at seven point six twenty five.
Speaker 2 (35:08):
How much can you save?
Speaker 1 (35:09):
You know I can save you eight hundred and twenty
six bucks a month or two hundred and eighty two
dollars a month, I don't care. Let me see if
I can put a package together that makes sense to
make your life a little bit easier. And uh, you
know that's what we've been doing for a long time.
And school's about ready to get back in.
Speaker 2 (35:24):
Be aware of that.
Speaker 1 (35:25):
Make sure that if you get a chance to help out.
You know these teachers that you can and with their
classroom stuff. I know my daughter's a teacher over at
Tate Creek Middle School and and they're always looking for
supplies and stuff like that that'll be coming on and
going out.
Speaker 2 (35:37):
So you know, school's going busy.
Speaker 1 (35:39):
Time of year, been hot, get a little rain, be human,
it's crazy, but just be on your toes school's going
to be starting back up in college football. Tim and
I will be down UK signing autographs and giving out
posters and calendars and koozies and all kinds of good stuff.
And get a chance to get out and see Boogagee
in the Titanics around town. Look them up and see
where they're at. They're fun to get.
Speaker 2 (36:00):
Out and watch. But get out and support your local people.
Speaker 1 (36:04):
You out to Austin City or Two Fisted Wheellies or
Cocktails or any of these places around here that have live.
Speaker 2 (36:12):
Music and and a fun venue.
Speaker 1 (36:14):
So a lot of stuff going on and a lot
of good musicians, a lot of good stuff. BBH down
Richmond's a good place to hang out. Get some good
music down there, Champions the bowling Alley. Timwhere else do
you like to go? You go over to the Signature
Club or something every once in a long it's much anymore. Yeah,
it's too far to drive, ye from my neighborhood. And
so one more Harry's patio, I got you close, skip
(36:38):
home from there. So and as soon as you know,
my son works there. And yeah, we just like the
Malon's family.
Speaker 2 (36:49):
They've been awful good to him. Yeah, so far. Yeah,
we appreciate.
Speaker 1 (36:51):
Hey, we're gonna be back next Saturday. We hope you've
enjoyed the show. We're like to say, we're just when
the sunscripted. We're just rolling with it. We'll see we
can get a guest on here next week. Might have
an author that's got a new book out join us.
We'll chat with her a little bit. You mean we're
not exciting enough flairry.
Speaker 2 (37:04):
Oh well, we we'll mix it up every once in
a while.
Speaker 1 (37:06):
Maybe you need to take some phone calls or something,
but we hope you have a good rest of the
weekend Banks over to day from nine to one. Phone
numbers eighty five, nine eight nine nine one nine three
six South and Drives eighty five nine two six three
three three three five. You can hear she can call
us five point seventy five on a fifteen years fix
five hundred dollars in closing costs six point seventy five
on a thirty it's nine hundred and forty eight bucks.
Speaker 2 (37:25):
So give us a call a say we can help you. Ben.
Speaker 1 (37:27):
Listen to Welcome Home Show by Guardian savigs Bank on
News Radio six thirty.
Speaker 2 (37:30):
Oh if you're a Kentucky Wildcats w LAB. We'll be
back next Saturday. Have a great weekend.
M M. Good morning, Lytington, your listener, Welcome home show
by Guardian Says Bank. I'm Larry Frits ten mad with
you this Saturday morning. Glad to have you tuned into us.
I hope you're having a good start to your weekend.
(00:21):
That's school, be ready to get rolling again. All kinds
of good stuff going on. So no, everybody's busy, but
we appreciate you taking time out listen to the show
with us this morning and we'll try to educate you
a little bit about what's going on in the market,
mortgage market and what we've got going on and hopefully
get your get you motivated to give us a call
(00:41):
over here at the bank, open to day from nine
to one.
Speaker 2 (00:43):
Phone numbers eight five, nine, eight nine.
Speaker 1 (00:46):
That's here in Hamburg South and drive is eight five
nine two six three three three three five, so if
you can hear she can call us. And we uh
didn't get the best of news this week. The Fed's
meant and and uh, I don't know what's going on
with all the information the rates, you know, Tim and
(01:06):
I we've talked about. We thought they should have been
lowered by now, but there's obviously some disarray with the
FED Board and so on and so forth, and the
talk on terraff and whatever else. But anyhow, the numbers
are not lining up like they want to see them
yet ten so rates are still the prime rate is
(01:26):
not adjusting at all. The ten year bond has not
been good, bad, or indifferent really, and am afraid we've
been holding at six point seventy five on a thirty
year fixed and we've got our fifteen years still five
point seventy five. So if we can just do a
rate and term refinance on a fifteen year forty five
point seven five, the closing cost only five hundred bucks.
That includes your appraisal, title work, everything other than Escro's,
and a filing fee which is generally about eighty bucks
(01:49):
in all the counties around central Kentucky. So we'll be
glad to talk to you about that, Tim. We haven't
talked about this in a while, but there's a lot
of people you know that are obviously moving towards retirement
at some point or another, and we just we like
to bring it up every once in a while that
before you turn in those that paperwork for your retirement
at wherever your employer may be, you know, make sure
(02:09):
that you've talked to your financial advisor and you got
all your ducks in a row U with your money
coming and going because no bonuses and overtime and so
on and so forth.
Speaker 2 (02:18):
A lot of times when people get.
Speaker 1 (02:20):
Retired, they're cash flow changes and that it'll keep coming. Yeah,
and if you're not prepared, you know, with your mortgage
and so on and so forth, it could you know,
sometimes you can come in a little too late on
trying to reduce some stuff. So we want to make
sure that we, you know, review that with you. And
if you're you know, we have several financial advisors around town.
Speaker 2 (02:42):
Many good ones that we do business with.
Speaker 1 (02:44):
We don't have a house investor or somebody, so they're
not afraid to refer their clients over here. We're not
trying to recruit anybody for four on one ks or retirement.
But it's a good connection and a good relationship we
have with several different people. But if you're in that
point of life when you're considering your opportunities on retirement,
keep us in mind and let let's take a look
(03:05):
and see what we need to do and what your
money is going to be. And you know, let's do
something before that income changes around. Well speak speaking of
four of one's Larry, Uh, you know we have our
four oh one program is managed my company called Pinching
Corporation of America, And I never knew till just recently
that we can actually engage with our planned administrator on
(03:27):
a regular basis and review how our portfolio is spread out.
So if you're contributing to a four ah one, see
what kind of access you might have to resources to
you know, help guide you to make maybe move some
funds that would be more beneficial to you.
Speaker 2 (03:45):
Because it's a crazy time in the stock market with the.
Speaker 1 (03:48):
Say I boom and everything's going on, it's always good
to at least know what's in your.
Speaker 2 (03:53):
Four A one, how you're invested. Yep. Well, I mean
I'm you know, when we called talk to them.
Speaker 1 (03:58):
You know, I would happy with the investments I've made myself, obviously,
but if you know how I am about it, I
like to study it and do it. But hell, I'm
thirteen point three percent over the last five years.
Speaker 2 (04:09):
Yep.
Speaker 1 (04:10):
I asked him how many people he was advising he
was making that kind of return on give him a
hard time, but I like to do my own investing
in my own stuff, and you do too, and you're,
you know, getting more serious about But you've made some
good changes at some good investments on his advice, and
you're right for people to have a four oh one
k with their employer or there's you know, something going on.
You it's just like anything else. And I'm, you know,
(04:32):
just like insurance to him. My daughter got up was
a new car shopping and.
Speaker 2 (04:39):
Online.
Speaker 1 (04:39):
I guess she was talking to some Liberty Mutual four
hundred and fifty four dollars a month. She twenty five
years old, ain't had a wreck, ain't had a ticket
or nothing, buying a car and four hundred and fifty
four dollars a month for Liberty Mutual. Once she goes on,
gets it from Progressive at one hundred and fifty.
Speaker 2 (04:53):
Dollars a month. But you got a shop, you got.
Speaker 1 (04:56):
To look around, and a lot of people on homeowners insurance,
you know what I'm say, And we see you got
to get a checkup from the neck up every once
in a while, get your policies out, see what the
cost is, and every once in a while you got
to reshop that stuff. Most people don't because it's out
of the side, out of mind, just like your mortgage.
And we're trying to talk to our audience today to say, listen,
if you bought a house at seven and a half, uh,
(05:17):
call us, because we do have an affiliation with not
only Freddy Mack, but the Federal Home Law Bank, and
so call us for a quote. And if you've got
those credentials that we talked about often, you know, and
that's you know, the bar is pretty high, seven eighty
middle credit score of TransUnion, Equifax, and Experience, and if
(05:38):
you've got twenty five percent equity in your property, we
may we've got a golden deal five hundred dollars clothing
costs and you know six points well from a fifteen
year five point seventy five, but a thirty year fix
at six point seventy five. You know, we can almost
match the clothing costs. If you've got those right credentials,
it'll be fairly close. I think it's nine hundred and
forty eight dollars versus five hundred. But if you're going
(06:00):
from like you said, seven and a half to six
point seventy five, you're saving three quarters of a point.
You're paying nine hundred dollars in closing costs and you're
saving five hundred dollars a month and two months you
broke even.
Speaker 2 (06:10):
And while you're out there, yeah, oh absolutely they're.
Speaker 1 (06:13):
Out there, but they're driving around listening to the show,
and you know they're they're not even thinking. You know
why we keep preaching it. Get your statement out and
it's out of sight, out of mind, tim And that's
why you know the auto draft and that auto payment.
These things change or something happens with your account, and
because it's just thought, I'm like, oh, you know, it changes,
but you're you're not aware of it. But you got
(06:33):
to get your stuff out and get your check up
from the neck up and see what your insurance is.
See how much different is that it was last year's
shop around. I've got to do the same thing. Mine
all comes doing September. I bought my house in September.
Birthdays in September, so I got license and insurance and
on all this stuff. And I can promise you no
I'll be shopping so and you know, the insurance is
(06:54):
such a scam anyway, they make you have it if
you're going to have a vehicle. So it's highway robbery
for the insurance companies, they don't you know, they can,
they can do whatever they want.
Speaker 2 (07:02):
You got to have the insurance.
Speaker 1 (07:03):
So it's and it's I understand why we have to
have it, and I'm glad we do have it, and
I'm glad that I have had it when I needed it.
Keep you from going bankrupt trying to prepare something, fix something,
or if you have a loss. You know, another story,
a quick story is and you know I've told this
story several years ago. Buddy mine, you know, worked his
butt off, his wife worked their bought off, the accumulated
(07:24):
a bunch of assets and never had updated their insurance
and had an accident and you know, it's only so
much coverage allowed. He hit somebody in a crosswalk and
then the lady got hurt and she had had some
work done, some surgery, and over a certain point, you know,
his insurance is only going to pay out so much.
And because he had an updated his insurance re made
he changes in fifteen or eighteen years or whatever it was,
(07:46):
you know, they didn't have as much coverage as they
needed for their you know, for the assets and stuff
they'd accumulated. So that's another good thing to take a
look at and make sure that you've got all your
ducks in a row, because if you don't keep up
with it, and your insurance agent you know, hasn't done
kept up with it as well, because of whatever reason,
you got to know what you need to know about
that stuff, and it's.
Speaker 2 (08:06):
A good time to do it.
Speaker 1 (08:07):
Well, it's a it's a bi chart, Larry, and I'm
going through one of the pieces right now, and that's
dealing with Medicare. And I've come to conclusion that to
get a you know, a decent extended care or assisted
living facility, Medicare doesn't have a penny. And that's something
that we all need to think about our long term care.
(08:29):
Who's you know, where are the funds going to come
from when you can't no longer you know, live independently.
And I think that that's where we're going to be
in trouble down the line. And we'll call it a
care you get may be subjective because you may have
to rely on Medicaid. As I understand it, and uh,
(08:51):
I don't know. It was just an eye open for
me in my in my family situation. So you always
got to take care into consideration. I know insurance is
important part of it, but your long term insurance and
where you're going to live, who's going to take care
of you? Yeah, that's a big issue. Yeah, and it's
you know, everybody, anybody that is our age and younger
(09:14):
and anybody that's older on us.
Speaker 2 (09:15):
That's something that we all have to deal with as
we go.
Speaker 1 (09:18):
And you know, you can I can't remember us talking
to somebody the other day that their mom had gotten
some type of inurech years ago that would pay for
nursing home care.
Speaker 2 (09:31):
You know what I mean.
Speaker 1 (09:32):
It was a policy that was offered and she got
it and paid it all the way through and then
it covers you know, that type of a deal. I
don't think they haven't seen that offered in forever, and
I don't know, you know, what would happen with it.
But you know, with social Security and what investment we're
just talking about our four one K and whatever money
we may have saved there and other investments and assets
we have, you have to be careful on how you
(09:53):
have that set up. If you got any assets or
equity there, that could be an issue for somebody to
tap into. But a lot of times, you know, just
like with insurance or anything else. Ten it's not until
PAM it hits you in the face and then you
start worrying and we're yeah, it's out of sight, out
of mind. But then we're sitting there preaching, hey, get
your insurance out. Take a look at your mortgage. You know,
if you're seven and have you bought something in the
(10:15):
last three years, you're over seven percent. You're over seven percent.
Get your stuff out. If we can save your quarter
for point, it makes sense, let's do it. If it's
more than that better, But for nine hundred and forty
eight dollars at closing costs, you can't how you gonna
you can't beat it. But there's still people that believe
you have to have a one percent rate drop for
it to make sense to do a refinance, which is correct.
(10:37):
If you're dealing with one of these online people, they're
gonna charge of twenty seven thousand dollars for refinance. But
that's not all we're doing. At Guardian seventy's bank. We
service these loans. It's gonna cost you nine hundred and
forty eight bucks. If there's no delivery feed put on
your credit and that puty and so on and so forth.
But you're gonna pay guardian. The payback's truly in the payback.
And so if you're gonna save a half a point
(10:59):
or three quarters of a point, you can break even
in a month or a month and a half or whatever.
Speaker 2 (11:03):
Why wouldn't you do it? You know, dollars a dollar, yep.
Speaker 1 (11:07):
But people are driving around listening to the show, and
they're running around probably about on empty. If you look
at their if their financial statement was their their gas
gauge in their vehicle and keep on driving, they won't
get the mortgage out when they get home and take
a look at it and see, and so they have
a you know, we just keep trying to jog them,
(11:31):
you know, just give them a call action, get your
account out, take a look at it, see where you're at,
see what your rate is, and if you're in them,
and you want to get pre qualified to buy, I've
had three prequels this week, you know, And I know
you've got something to Richard's got signed, and people are
still out buying and making stuff happen, and uh uh,
(11:51):
you know, it's just rates are hiring what we like
for them to be, but they are what they are
not as highs they've ever been. You know, you qualify
for what it is and you can always refinance, but
you nailed the earlier that you got people that are
seven and a half or high or no doubt, and
then from a couple of years into their home, their
house is appreciated and it'd be a good time to
get their paperwork out and look at We're gonna take
our first break of the day. Banks over today from
(12:12):
nine to one. Phone numbers eight five, nine, eight nine
nine one nine three six South and drives eighty five
nine two six three three three three five. If you
can hear, you can call us five point seventy five
on a fifteen year fix five hundred end closing cost
on the fifteen year nine it's a six point seventy
five on a thirty your fixed closing costs a little
bit more.
Speaker 2 (12:29):
But keep those two things in mind.
Speaker 1 (12:31):
Look up your information so if we can put something
together for you, were you to take a quick break.
You're listening to Welcome Home Show by Guardian Savings Bank
on News Radio six thirty.
Speaker 2 (12:38):
That's lap, We'll be right back your back.
Speaker 1 (12:40):
Listened a Welcome Home Show by Guardian Savings Bank ten man,
it was Gleavey Franks in into Saturday morning.
Speaker 2 (12:45):
Glad to have you tuned in to us.
Speaker 1 (12:47):
Appreciate you listening, and hopefully we can give you a
call to action, get you get your mortgage out and
see what's going on. If you bought something the last
two or three years, you're going to be over seven percent.
Rates are below that. Closing costs are cheap enough. You
could consider giving us a call if it doesn't make
sense for not gonna let us do it anyway, But
we've got to be able to get our paperwork out
and take a look at it. We're talking about interest rates,
(13:07):
we're talking about insurance costs for homeowners insurance and so
on and so forth. You just got to be able to,
you know, get it out, take a look at it
and see what's going on. And you know, we're talking
about people feel like they have to have a one
percent rate drop. And if you're gonna pay twelve with
thirteen thousand dollars in closing costs, which these people will
sure will gladly charge it, they'll sit there, what's their
(13:27):
claim to frame pinky?
Speaker 2 (13:28):
No money out of pocket? You know, no money out
of pocket?
Speaker 1 (13:32):
You just owe three ten, but we're gonna lend you
three thirty five and there's no money out of pocket,
but we're gonna charge you about twenty four thousand in
closing costs.
Speaker 2 (13:38):
But that's that's their claim to fame, but.
Speaker 1 (13:41):
Ours are, you know, our claim to fame is we
service these loans, have about three and a half billion
and servicing somewhere thereabouts, and the payback truly at the payback,
so we don't have to, you know, stab you with
a bunch of closing costs up front.
Speaker 2 (13:53):
And that's just the footprint and the way we do our business.
Speaker 1 (13:54):
Those companies that are doing that, they're just not going
to service the loan, so they have to make all
that money and cost and origination fees and yield spread
premium and all the jump fees.
Speaker 2 (14:05):
And all those types of things.
Speaker 1 (14:06):
Tim and we grew up with that, but at Guardian
it's just not something we do. We have our closing
costs and we service the loan and that that gets
people to circle back to us business wise, and and
we appreciate that too. But each month they're making a
payment to Guardian. Now our f H A k HC
USDA V A community housing those types of things. We
(14:29):
do not service those. They still don't have an origination
fee on them, but we do them. But you're gonna
wind up paying somewhere somebody else down the line on them, and.
Speaker 2 (14:38):
We try to point that out.
Speaker 1 (14:40):
But we do all mortgages only you know, I can't
do a car loan, the boat loan, or a note loan,
but I can lend you on your mortgage at any time,
and for non owner occupied if you want to get
a rental property, if you want to get a town home,
if you want to get a condo, single family, residents, whatever, duplex,
four plex, eight plexus, anything that real estate wise. Construction loans,
(15:02):
we've got a ton of construction loans and bridge loans
going tim the of the blanket as we call it,
or as a broad to bridge into your home with
no contingency on selling your current home in a purchase opportunity, yep.
Speaker 2 (15:14):
And you can take your time.
Speaker 1 (15:15):
Moving into the new place and moving out of your
old place, and when one sells, you pay down your debt.
We'll roll it over into a fixed rate. So that's
always an opportunity as well. But the main thing is
there's a lot of people out here that we know
that bought houses that are above.
Speaker 2 (15:31):
Seven percent in an interest rate, and their houses.
Speaker 1 (15:33):
Appreciated that paid down on it a little bit, and
you don't make any difference if you've been in your house,
if you've been in at a year, you can go
with the newer praised value. If you refinance with less
than a year, it's a purchase price or your praise value,
the lesser of the two. And once the average return
in central Kentucky property right now tim like six and
a half or seven percent. I think Woody was telling
we got to get Woody back on the show here
(15:53):
before long. You know, it's an opportunity to get your
paperwork out. Take a look at it, give us a call.
If it makes sense, we'll do it. That's fine. But
for nine hundred and forty eight dollars to do a
refinance and save three quarters of a point. And another
thing that guardian say, you've been in there for two
years and you don't want to go back to thirty.
We can put you on twenty eight years. We can
put you on twenty six years and two months. We
can put you on twenty three years and eight months.
(16:15):
It doesn't make any different. We can't go in less
than ten years, but we can put on whatever ametorization
schedule needs to fit your schedule of payment, your incoming out,
go and go from there. And if you don't want
to start back over on thirty, that's fine. Had somebody
we were talking about early to day as a matter
of fact, tim where they were like, my payment is
(16:36):
six forty eight, if I pay eight hundred months, how
quick will I pay my loan off? And I can
go in there and pop that in there and it'll
show me how much it'll save it. And you know
that we have no problem with that. We don't have
a prepayment penalty on our stuff, and you don't have
to have a check in your savings account. Do you
tend to do along with us for nine hundred and
forty eight by sir, All of those things are practical
(16:57):
in my view, And obviously that's why I work here
guarding and just you know, just trying to you know,
get give you a call to action, as we say,
to try to get your paperwork out and see what
your rate is. And if you're listening to the show
and your kids, your grandkids, or your neighbors or your
good friends, whatever, you know they bought a house the
last you know, eighteen thirty six months anywhere in that
timeframe today, call these people over at Guardian eight five nine,
(17:19):
eight nine nine one nine three six see if they
can put a quote together, if you'll save you any money,
and you know, hopefully, uh, we'll be.
Speaker 2 (17:27):
In the mix.
Speaker 1 (17:27):
And I don't know why we wouldn't if you're anywhere
above seven percent. So it's just the opportunity for you.
Penny saves a penny earned. If we can increase your
cash flow, then let us do it. Then we're going
to take another break. You are listening to Welcome Home
Show Banks Open to day from nine to one. Phone
number is eight five nine, eight nine nine one nine
three six South and Drive eight five nine two six
(17:49):
three three three three five, So if you can hear,
you can call us. We're gonna take a small and
we'll be right back. Pay the bills a little bit
for Tim and Anna time Larry Frisman. Listen to Welcome
Home Show by Guardian Safeties News Radio six thirty.
Speaker 2 (18:01):
That's on WLAD We'll be right back. You're back.
Speaker 1 (18:05):
Listen to the Welcome Home Show about Guardian Savings Bank.
Tim and Larry coming at you this Saturday morning.
Speaker 2 (18:09):
Glad to have you tuned into us.
Speaker 1 (18:11):
Thanks over today from ninety to one on numbers eight five, nine,
eight nine, nine one nine three six South of Drives
eight five nine two sixty three three three three five.
So if you can hear you can call us and
be glad to talk to you about any of your
mortgage needs or any refinancing opportunity we can do. With
your pre approval for a purchase. I told Tim earlier,
(18:32):
we've been got several of those. I've done several pre
approvals this week and got some pre approval letters out,
so I haven't had a whole lot of success and
everybody winning their offers and the bids. There are still
a lot of people out here going for the same property,
and I think the homes are spending a little bit
more time on the market now too, Tim. And do
you find some information recently showed some.
Speaker 2 (18:53):
Of that stuff. I'm sure.
Speaker 1 (18:55):
Yeah, the numbers have crap up on days on market,
and I think that's evidence by well we talked about,
you know, in the last few weeks is according to statistics,
there are more available homes on the market across the
country right now than there were even a year ago. Yeah,
(19:15):
thirty three percent more homes and thirty percent less permit
So the market is going to switch around a little bit,
and they just got to know where you're at.
Speaker 2 (19:23):
What's going on.
Speaker 1 (19:24):
Central Kentucky's immune to a lot of stuff, not all
of it. But the realtors here do do a great
job and keeping the market competitive and the values in line.
So they did an outstanding job during the last economic
downturn in the real estate market, and I think they
did a I think they do a great job in
this area, not only but they're selling homes in the
way that they do things.
Speaker 2 (19:43):
But like a lot of people don't realize.
Speaker 1 (19:46):
Him get I guess I digress, But I mean some
of the stuff that they help with with the real over,
Community Housing Foundation and other stuff. These realtors are involved
in the community in more than just one way that
I'm proud that to know that. Of course, we get
to do a lot of stuff with them because we're
involved with it too, But it's more than just selling holders.
Speaker 2 (20:07):
There are a lot of people that are doing a
lot of stuff.
Speaker 1 (20:09):
I don't know what we'll have coming forward with the
realators and so on.
Speaker 2 (20:14):
And so forth.
Speaker 1 (20:14):
But everybody seemed to pay attention, what's going on with
the market, What's going on? What was I know what
I was gonna talk about title insurance. We were talking
about title insurance of their You and I were yes.
And you know, when you were trying to explain to
somebody about title insurance and title insurance when you get
to a loan closing, Folks is insurance back in the
(20:37):
in the seventies eighties before you know, I guess that
when banks started trimming the fat, they some of the
people that let go was their legal their legal team
that they would have on staff, and they would have
somebody in the bank they would help put a wheel together,
maybe manage a trust for you, and they would do
the loan closings and the title work and so on
and so forth. And at some point they started letting
(20:58):
those people going hiring outside started services. So mortgage insurance
became an nescessity in mortgage insurance is to cover airs
and admissions of overlooked issues with titles, leans, past mechanics, cleans,
you know things like that. And Guardian Savings Bank we
service our own loans and we don't have title insurance
(21:19):
and realtors don't understand. Title insurance only protects the lender.
It doesn't do anything for the bar or whatsoever. If
if there's an issue with it, you've got title insurance.
The title insurance will protect anything that the attorney that
was hired messed up, overlooked, or failed to see recognize,
or errors that could have happened with the loan prior
(21:40):
to yours or what have you. So anyway, title insurance
is a necessity of ninety nine percent of the other
lenders out here. But a Guardian savings bank on our
in house loans and our conventional financing, we don't have
title insurance and that's where the biggest savings comes from
in our closing cost and title insurance only protects the lender,
so we don't impose.
Speaker 2 (21:59):
That cost to our borrowers.
Speaker 1 (22:03):
And like, like we were talking about it, for some reason,
there's an air or something and Guardian has a one
hundred thousand dollars mortgage with you. There's a three thousand
dollars lien that was out here that was overlooked. We're
going to take care of that Lian. We're not going
to lose one hundred thousand dollar mortgage over three thousand
dollars lien. We're gonna protect it. But that being said,
we've got three and a half billion dollars worth of
(22:24):
loans that we service at Guardian Savings Bank, and I
don't know how many the overall number of loans it
is in house that we're servicing, but I don't know that.
What they had maybe three claims and the last thirty
years from title insurance issues or less, you know, something
like that. It was just crazy. And so the work
(22:46):
that's done from the title agencies that we use, and
we have some good ones here in town that we
have obviously, but they can get online. They can do
the title searches online. They can look up all this
information and they go back and do what earty forty
year search on the property to address and dig up
the information.
Speaker 2 (23:04):
Tim and title insurance.
Speaker 1 (23:07):
Like I said, we don't charge it, don't We don't
impose it on the people. We have our own loans,
we have our own servicing. We have an insurance closing
letter from the people that close our loans, and if
there's a problem.
Speaker 2 (23:16):
You know, like I say, we'll get it taken care of.
But we've been here. What twenty years.
Speaker 1 (23:20):
I've never seen a claim, you know, and we've you know,
gone through years where we've lived three hundred and forty
three and fifty million dollars right here in Lesington, and
they never saw any bit of title insurance on none
of them. Just stress that not just because you're not
paying lenders title insurance doesn't mean you're putting yourself at
any risk, right That's and that's why I am trying
(23:41):
to say, because we we're taking all the risk, but
we're servicing the loan as well, and that's why we
feel like we can do it. We're not going to
let a mortgage loan have an issue with it over
a debt that was overlooked or an issue with the
title work. And obviously the success is in the numbers,
and that is I can't remember what the numbers were,
maybe maybe less than three last time we talked about
(24:04):
with our management, you know, and that was quite.
Speaker 2 (24:07):
A while back.
Speaker 1 (24:08):
But maybe I think when they've been here since nineteen
eighty nine, our former president that we were hired under
and he had never did, never recall having one at all,
but I mean he thought something must have happened somewhere
along the line.
Speaker 2 (24:22):
But we don't have title.
Speaker 1 (24:23):
Insurance and it's not a burden and it's not a
risk to our borrowers to not have it on our
loans that we have.
Speaker 2 (24:27):
And that's a big savings and it's status quo for
most lenders.
Speaker 1 (24:31):
Yep, it's going to be on there and you're going
to pay it and it doesn't All you're doing is
whoever that lender hired to do that title work because
of their business interests, they have to have title insurance
and they don't know who they're you know, they have
to protect themselves, and so you're paying for the person
they're picking to close. You're alone, and it hopes that
you don't have a problem. But we don't have that fee.
(24:53):
We don't have that charge. And it's the biggest savings
in the closing costs that I can come up with
as far as that's compared about anybody else's right, And
it's on a big purchase.
Speaker 2 (25:07):
That's a you know a lot of money.
Speaker 1 (25:09):
Yeah, I mean three hundred thousand dollars purchase, whether the
twelve hundred and eighty bucks or you know, or fifty
m so, I mean, you know, that's a savings that
you're gonna get we're gonna protect it, and we're gonna
be okay, it doesn't it's not a burden on you
and you don't have any risks.
Speaker 2 (25:22):
But yeah, I.
Speaker 1 (25:23):
Wanted to point that because people don't understand realtors don't
really understand exactly what is some of them. Some of
them do, but it's not a you don't have title insurance.
Now we don't. Well how can you get away with that? Well,
because we service the loans. We're not going to lose
the loan over an error or in a mission, but
we're not gonna have somebody paid twenty seven hundred dollars
for title insurance. I'm the person we've hired to do
(25:43):
a loan closing force in the tidle war, and that's
kind of what it boils down to the me in
a nutshell, But the savings are passed along to our
bars and that's what it's all about. And you know,
we sort like I said, we service the loans, which
means you're gonna pay Guardian as we go, and as
long as you have a mortgage with us our fha
USBA those eventually you'll wind up paying somebody else.
Speaker 2 (26:06):
We don't service.
Speaker 1 (26:06):
Those and those do have tidle insurance on them because
we don't service them, but they're part of the closing
costs and the program with those and it's it is
what it is, bar conventional side of it, Like I say,
five point seventy five on a fifteen year fixed and
five hundred dollars in closing cost him.
Speaker 2 (26:21):
Is there any place else in town you're gonna get
a better deal? There's done. I'm not familiar with it.
Speaker 1 (26:26):
And we're six point seventy five on a thirty and
you know, there's there's some of these rates that I'm
seeing on some of these programs that are six and
a half percent. So depending on what your credentials are,
I think you came across that deal at six and
a half percent on some of them. Right went through
our credentials tell the total clothing cost and everything is
and we're just passing the savings on to the bars.
(26:47):
And we wanted to talk about that a little bit.
It's completely different, and if you got some questions, give
us a call eight five nine eight nine nine one
nine three six. And that's why Tim and I keep saying,
if you've got a house the last three years, your
bumps seven percent in an interest rate most likely, And
if you want to see about getting to six point
seventy five or less, give us a call. If it
makes sense, we'll do it. If not, we can't anyway.
(27:08):
But if you don't ask, we can't help you. If
you give us a call, we'll put some information together
and see if we can save you some money and
increase your monthly cash flow, help you extradict your payoff.
Whatever needs to be done. We're here to service and
take care of it. But title insurance a necessity for
(27:30):
ninety nine percent of the people on the stuff that
we do. We don't require it because we service the
loans and we're probably want of the few people in
the country from what I understand, Tim, that is not
required to have it. And we do trade paper like
you said earlier with Federal Home Loan Bank and Freddie
mac fan he may on occasion, we may let us
since we're service and accept the risk and do it.
That's part of what the bank's willing to do to
(27:50):
keep the closing costs in line, all right. We want
to have a competitive rate and the best closing costs combined.
Speaker 2 (27:59):
And most of the time.
Speaker 1 (28:00):
We got can give us a call and we've play
on every problem with you call and shopping around seeing
what else is out there, something else to talk about credit.
A lot of people, you know we talked about got
had the right credit cndentials and this five hundred our
closing costs on a fifteen year fix of five point
seventy five seven eighty credit scores. Kind of what they're
after is the threshold that they're see king and it's
(28:24):
a I don't know, it's too far out of the
realm of a lot of people.
Speaker 2 (28:28):
Tenme. Back back when we first started doing this.
Speaker 1 (28:30):
You had people that were, uh, what was a six
twenty was the me and a minimum credit score. Then
it went to six sixty, and then sixt eighty, and
now it's up to seven eighty, and they keep changing
the criteria and all those credit scores coming together and
are based on a national algorithm I guess of people
(28:51):
that are similar and age, income, location, and you know,
they the algorithm they have to create these scores. But
it's all basically, you know, having three open lines of credit,
sixty percent or less balance on any the credit card
you have, paying your bills on time, and having a
(29:11):
history of being able to indicate you're capable of paying
your bills without having somebody call you looking for the
pay it's on a regular basis, but credit is super
super important, and you got to pay your stuff on time.
Speaker 2 (29:24):
You do have to have three open lines of credit.
I've had some.
Speaker 1 (29:28):
People I've talked with them recently about authorized users, tim
and you know, and I've been up with my daughters.
Put them on account authorized user and get something in
the credit bureau at least to have something going.
Speaker 2 (29:39):
And that would be something.
Speaker 1 (29:41):
If you got kids that are getting ready to get
out of high school this year or recently graduated last
year and getting off the college, or you want to
help them a little bit, you could get them on
an count that's an authorized user, open up something new
and add them to it. Or if you have something
that's not gonna make it look like they got credit
when they're eight or nine years old, you know, you
could do that too. So there's just different angles of
(30:02):
all kinds of stuff in here that are important to
the process. Credit being one of them, credit capacity, and
collateral the three c's, and we've been talking about that
for many years. So it's ah, we try to guide
you down in the right path and make sure our
loans make sense. If not, they're gonna let us do
it anyway. We're not going to waste our time and money.
And I don't need to practice working on stuff I
can't get done, Tim because we're we're in here working
(30:23):
on commission. We just want to close loan. But we're
going to take another break. We got one session left
and we'll be right back. But banks over there nine
to one one numbers eight five, nine, eight, nine, nine
nine three six here in Hamburg five point seventy five
on a fifteen year fix, five hundred dollars and closing
costs for six point seventy five on a thirty closing
costs for about nine hundred and forty eight bucks on
a thirty year fixed. So that doesn't include any filing
(30:45):
fees or escros ark or cash out. So just give
us a call eight five nine, eight nine nine one
nine three six. We're gonna be right back here. Listen
Welcome Home Show by Guardian Savings Bank on News Radio
six thirty w LAP.
Speaker 2 (30:58):
We'll be right back.
Speaker 1 (31:00):
Listen to Welcome Home Show by Guardian Savings Bank Larry
Fred's ten Adams with You this Saturday morning.
Speaker 2 (31:04):
We're glad to have you tuned in to us.
Speaker 1 (31:06):
I know my buddy Denver was listening to us down
in Richmond, and Carolyn from over TRIPAA, and we got
our regulars out there. They'd like to check in and
give us a report on what we're doing. I'll like
throw a shout out at him, and we appreciate people
listening to us, no call and give us a little feedback.
Obviously this is totally unscripted. And hear us in here
huh oh, and the dead silence because we're few, just
(31:28):
going about whatever comes to mind and trying to carry
on a conversation. Tim After nineteen years of this, somebody
might have caught on to.
Speaker 2 (31:35):
That by now. You really don't have to practice anymore.
Speaker 1 (31:37):
Yeah, So we appreciate you listening to us weekend and
week out and give us an opportunity to share with it.
But seriously, folks, if you got your kids, your grandkids,
your nieces, your nephews, you know, anybody's bought something the
last three years, give them our number eight five nine,
eight nine, nine one nine three six and say called
him Andrew Larry said, hey, you know, we're listening to
the show. We want to see what you can save
(31:58):
and let us take a look at it. We'll put
something together and if it makes sense, we'll move forward.
But if you're above seven percent and we can redo
you for nine hundred and forty eight dollars, then you're
you're throwing away money that you could be saving. If
you don't give us a call and if it makes sense,
we'll do it. If not, we won't. Usually what we
need in process, your loan can be sent in a
(32:19):
PDF file and we make it very easy. Well, I mean,
you know the process and when a couple of last
thirty days paced ups a couple of months, bank statements,
current mortgage statement, current home owners information checking or savings
four A one K.
Speaker 2 (32:34):
Home owners insurance. Just it's fairly simple. Process.
Speaker 1 (32:37):
Like Tim said, PDF and secure emails is what we do.
You can bring it by the office. That's one of
the you know, we be local by local and stay local.
I try to say that because that's what you're getting
with GUARD and you're gonna you know, you'll see Tim
and I out in about Heck, Tim, you got somebody
thrown out a double ball the other day. They came
in said they knew you and Jimmy ran them off.
You're gonna tell them the story. Double Dogs, if you
(33:01):
don't know, as a restaurant out here in Hamburg, and
it's an offshoot of Rafferties, and I've known them general
manager over Rafferties for many years. And he ended up
over here at the Double Dog restaurant. Some of my
friends brought their dog into the patio and told them
he walked around with greeting people as he normally does.
Jimmy and he asked U, They said, you know I
(33:25):
had He said, well, my friend said, well, you know
Tim Adams told us about this place, and he said
get out. Yeah, but it's it is a neighborhood place
that's just kind of you know, he's just got a
great sense of humor and he hasn't been there.
Speaker 2 (33:38):
It's Double Dogs.
Speaker 1 (33:39):
It's out in Hamburg, right next to Drake's and it's
a it's a little place and we like to go
to now read and it's like a cheers top atmosphere.
Well most of the time, you know everybody that's in there,
and there's always some always some spire or spirited conversation.
Marry Well, you know, it's one of my favorite places
(34:01):
to get on your rings. They got some of the
best onion rings in town in my opinion. And I'm
you know, I'm I know they ain't worth eating because
they don't do much for you. There's not a whole
lot to them other than they're good as shell. But gosh,
they're so good and the beer's cold. So we'd like
to go up there and visit with our clients and
each other and frightened eyes with other folks in the
area and various people. Got Matt and Alex and all
(34:22):
these people up there that we run into, Old Patrick Robinson, Douggy.
Speaker 2 (34:27):
Just you know, just a trip. You know, you just
got your you got your crew up there. We just
hang out.
Speaker 1 (34:32):
But if there's another play cocktails. I like to go
over to cocktails and get some good food over there,
some frog legs or a Hamburger and Bad's Mongoli and grills.
Speaker 2 (34:42):
A fun place over here in Hamburger.
Speaker 1 (34:43):
I mean, actually it's a good little you know, listen
to a great community and and we get to get
out and socialize and see some people are Our pay
for doing this radio show is outstanding, Tim, because what
do we get for doing it? Onion rings yeah, we
get lunch from a dinner for doing the radio show.
That's our pay for doing it. They real if you'll
listen to the show and give us a call, and says,
listen to the show, and I want to talk.
Speaker 2 (35:03):
To you about doing a refinance.
Speaker 1 (35:04):
I got a house in twenty and twenty three and
I'm at seven point six twenty five.
Speaker 2 (35:08):
How much can you save?
Speaker 1 (35:09):
You know I can save you eight hundred and twenty
six bucks a month or two hundred and eighty two
dollars a month, I don't care. Let me see if
I can put a package together that makes sense to
make your life a little bit easier. And uh, you
know that's what we've been doing for a long time.
And school's about ready to get back in.
Speaker 2 (35:24):
Be aware of that.
Speaker 1 (35:25):
Make sure that if you get a chance to help out.
You know these teachers that you can and with their
classroom stuff. I know my daughter's a teacher over at
Tate Creek Middle School and and they're always looking for
supplies and stuff like that that'll be coming on and
going out.
Speaker 2 (35:37):
So you know, school's going busy.
Speaker 1 (35:39):
Time of year, been hot, get a little rain, be human,
it's crazy, but just be on your toes school's going
to be starting back up in college football. Tim and
I will be down UK signing autographs and giving out
posters and calendars and koozies and all kinds of good stuff.
And get a chance to get out and see Boogagee
in the Titanics around town. Look them up and see
where they're at. They're fun to get.
Speaker 2 (36:00):
Out and watch. But get out and support your local people.
Speaker 1 (36:04):
You out to Austin City or Two Fisted Wheellies or
Cocktails or any of these places around here that have live.
Speaker 2 (36:12):
Music and and a fun venue.
Speaker 1 (36:14):
So a lot of stuff going on and a lot
of good musicians, a lot of good stuff. BBH down
Richmond's a good place to hang out. Get some good
music down there, Champions the bowling Alley. Timwhere else do
you like to go? You go over to the Signature
Club or something every once in a long it's much anymore. Yeah,
it's too far to drive, ye from my neighborhood. And
so one more Harry's patio, I got you close, skip
(36:38):
home from there. So and as soon as you know,
my son works there. And yeah, we just like the
Malon's family.
Speaker 2 (36:49):
They've been awful good to him. Yeah, so far. Yeah,
we appreciate.
Speaker 1 (36:51):
Hey, we're gonna be back next Saturday. We hope you've
enjoyed the show. We're like to say, we're just when
the sunscripted. We're just rolling with it. We'll see we
can get a guest on here next week. Might have
an author that's got a new book out join us.
We'll chat with her a little bit. You mean we're
not exciting enough flairry.
Speaker 2 (37:04):
Oh well, we we'll mix it up every once in
a while.
Speaker 1 (37:06):
Maybe you need to take some phone calls or something,
but we hope you have a good rest of the
weekend Banks over to day from nine to one. Phone
numbers eighty five, nine eight nine nine one nine three
six South and Drives eighty five nine two six three
three three three five. You can hear she can call
us five point seventy five on a fifteen years fix
five hundred dollars in closing costs six point seventy five
on a thirty it's nine hundred and forty eight bucks.
Speaker 2 (37:25):
So give us a call a say we can help you. Ben.
Speaker 1 (37:27):
Listen to Welcome Home Show by Guardian savigs Bank on
News Radio six thirty.
Speaker 2 (37:30):
Oh if you're a Kentucky Wildcats w LAB. We'll be
back next Saturday. Have a great weekend.
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