Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:05):
You're back lit like to Guardian row By Guardians and
I'm ready New Year. Were tuned into it. Everybody happy
New Year, everybody New Year.
Speaker 2 (00:17):
The Mississippi base doing crazy with us lost in Georgia
that it's been a while since we had something that happened.
He seems tough overpassing league with the pregame starts. W
l's been kind of crazy.
Speaker 1 (00:31):
On your radio.
Speaker 2 (00:31):
Boun and be ready for any Bayway's corner. About nine
one nine things they need to get on the kinds
of the banks from the one we've been consolidate and
every day what do you consolidates.
Speaker 1 (00:43):
The first time home. See, he doesn't appreciated.
Speaker 2 (00:47):
Good open if they're involved, just if we can get
you qualified and get you down the right direction. So
when part of the bank getting ready to glad big
next move, do the job or what have what?
Speaker 1 (00:59):
Everybody pre qualify all that they need everything so that
you can keep moving forward to the streets.
Speaker 2 (01:03):
You can get and you're not going to own home,
but get but if you are find a home with
like plan helping you do that. Come in and we
originate these loans. We're going to break us all over stuff.
They have one do anything with you. We'll get everything
in here that we can.
Speaker 1 (01:20):
But then.
Speaker 2 (01:22):
That's what the closing costs are different. There's just a
different process on that conventional stuff. Money you're guarding the
entire time. I think that's a pretty handy consequence for
you know a lot of people here, Kim, you have
been able to stop in.
Speaker 1 (01:38):
That's a that's I've been for a lot of the people.
Speaker 2 (01:42):
They've been through the service style where your loans transferred
and technically sold to another vendor who's going to take
so they don't even have anship with Freddie Mack, our
investor in US, so many many many years are trusted.
You tell your cause them reready back in the game.
(02:02):
That's the upper thing, and we are local. I thought
that was kind of key alone through that one Monday
was just drifting all conventional lendings. Ready lobby traffic. You'll
be staring bank, you can walk right in and we've
been watching the want the market and drive through the tailor.
Speaker 1 (02:25):
Seven think you give a mortgage plus checking account.
Speaker 2 (02:31):
Mortgage plus checking account would be pretty good and hopefully
that's checking And we talked about mortgages and stuff on
your point and been, uh, that's what carlos.
Speaker 1 (02:43):
Of it and what's going on to creating.
Speaker 2 (02:47):
The reformation where they're changing get all the information people could.
Speaker 1 (02:52):
Expect more jobs, not a little cloud.
Speaker 2 (02:57):
I guess keep our finger on the pulsay much better
shape than the information. Maybe it is, I mean transparent,
maybe not just the lower rates. Two times were still
we had a beat on it for a same information
now now.
Speaker 1 (03:08):
That we've been keeping on it.
Speaker 2 (03:10):
But it's uh, it's uh, you know, that's what makes
the game central for us because always changed.
Speaker 1 (03:17):
Lower rates is more business. Have one opinion. We're still
providing service, doing good mortgage.
Speaker 2 (03:21):
For each one of the super we're here, got an
opinion on what type of you got and we got
right get off here part of you know, we're very
hopeful that some guys percented itself.
Speaker 1 (03:32):
Here is water vision by something in Florida and to.
Speaker 2 (03:35):
Give those related that some want Florida went my second
home up here this week working on six or peoples
that they have bought a home and these delivery fees
and stuff affiliated with these lines. Now if we can
get it go and we were there a little bit
of people have in a while. The delivery feeds are
very explained ring, and well we just got any time news.
(03:57):
It was supposedly a one time just in such it's
right and the worst when you turn out two thousand,
that's important this weekend motus. Then they don't come back
and they have a way to readjust it and recomb
readjusted all seasonal adjustments or what have you. You kind
of expected that they haven't done a whole lot, and
then they got the worst numbers, got three different shorts
(04:17):
for jobs and all that don't how many jobs three
how many people filed on them? Obviously we're looking you know,
they always to use the worst of the three less expensive,
it is right, use it to the more down and
great credit making, help ability and nothing else. But if
you want to look at the hope they will get better.
Word seven. I mean, what's been hands over here? It's
(04:38):
one year arm at seven percent, still doing long. We've
still five seven five on the cage first time. I
really I've got feeling and refinance within twelve. But we're doing,
we've been doing. You can get a lot of those
stuff with Then there's about limitations if there's no location
inclosing particulations on that. So give us all that you
know a lot of it to understand town of money
(05:00):
or working through them and making three of your fixes
just your.
Speaker 1 (05:04):
It's not going to change.
Speaker 2 (05:05):
Will you can do it three one arm and do
the best we can one one? You know you want
to give us a call and save the money. Let's
keep on the mor nine and three six, I listen
to show.
Speaker 1 (05:15):
That's just qualify. We'll pick the numbers and you go
from there.
Speaker 2 (05:19):
So then you're don't still taking advantage of that, right him?
When we wouldn't say marry the home and they married
the home day that they come down to six and
that's just you know, some of the freedom ahead makes
people standard read we want to they can refrain once again,
if you closing car now credit card, I'm paying twenty
(05:41):
nine thirty we got we got a higher ration and
learn and do.
Speaker 1 (05:44):
Something you want to do my deck your pocket? But
how much you work cards? You know him eight five nine.
Speaker 2 (05:51):
You get a credit cards and well do you want
to land together and be able to value We won't
make a singles that you might you don't put it
into place and building and create this plas don't forget
to cast the sight. Couple of the pre games of
mortgage when that miss Savings was on the road, the
bugget back on the way the track did. That's giving
(06:12):
a good start to the new year. They'll go back
and then to listen to us and mister last week
of the game, but so we what a great game
any half and and get appreciate you in the back
up and the Purdy by Guardian Savings Bank with your
business today one numbers eight five nine nine one nine
three drive is eight five nine to three binding so
(06:34):
you can hear what you can call us every great
weekend Live Best Guardian Saving Bank Radio Thursday side. You
know what you're talking about actually happened that consolidation country
using the equerior home kind of makes you seem downsizing upsizing,
so we have to steal a.
Speaker 1 (06:53):
More downsize again. Let's this coming and I think that
we'll see.
Speaker 2 (07:01):
A metal walk or believe in the three percent of
that one on the Morgan take God right there after
cover and that'll really go back to the morning say
understand that, but and the monthly say you like, you
know you're not gonna get anything on the month raise good.
(07:22):
But if we're gonna consolidation left they used to that's
gonna totally lost, you know, over time the tent once again,
when the races come back down, we'll read through.
Speaker 1 (07:32):
You know, we can you do. And you're taken advantage
of the little rate for a while you built it.
The next we take advantage of it. I mean we're
in tennis fifty wore equity reaching cast fool on occasion,
you know, but we've been breaking even those seven eight
seven still need to mind.
Speaker 2 (07:47):
Now I'm gonna send house wand values and you can't
just stop my father.
Speaker 1 (07:52):
Now we're gonna ca the lower rates. All them will
come to spread of mine. They're gonna be more bars,
so you know, coming the ones that I'm closing now,
I'm turning the out here you are. I mean, we'll
just take in touch and when rad come down to
make ten free, that we'll do. I don't need to
get down the pep you're out to take. But if
(08:13):
you have consolidation that you can do the thing.
Speaker 2 (08:15):
If you want to play free up the cash flow,
keep in give us a call and take a look.
Speaker 1 (08:21):
They're playing together and I'll put them to gun that
hun plenty.
Speaker 2 (08:25):
Some say we I'm gonna get them on what we're
paying on what we're taking advantage of.
Speaker 1 (08:29):
You know, one of the biggest ones where wishin corporate
the car in on the block.
Speaker 2 (08:34):
You know, never big payment for you's if you have
one that's you financed over the last couple of years.
Speaker 1 (08:38):
So you know, we just take advantage of your equity
if you can. If you get something at.
Speaker 2 (08:42):
Seven percent, cut your credit card debt down to seven percent,
put all your payments into one and free up yourself
and some cash flow, and let's do it eight five nine,
eight nine nine one nine three six. If you're wanting
to buy a home and you want to take advantage
of a Kentucky Housing Corporation program five point seventy five
on a thirty year fix. The fees are different than
(09:03):
anything else we do in here, and it costs a
little bit to get into it, but I can show
you over a period of time if you stick with
it and keep it, you know, the fees are gonna
be worth the cost and doing the loan to get
the five point seventy five, I mean, because they're not
just like Tim said, the houses are appreciating it.
Speaker 1 (09:17):
What's seven and a half or eight percent a year?
Speaker 2 (09:19):
It seems yes, So by the time you figure that
with what you're paying down, you're gonna pay some stuff
and you can keep the five seven five.
Speaker 1 (09:26):
Forever, you know.
Speaker 2 (09:27):
And those loans are you know, they're they're handy and
it's just a loan program that you know worth seven percent,
So you can get five point seven five are you
kidding me? Take advantage of that for a while rates
come down, Like Tim said, refinance it when it makes sense,
We'll do it. But you can marry the home date
the loan, you know. Once again, Happy New Year to everybody, openly,
(09:48):
everybody had a good New year. Once you get into
on New Year's Tim, you go out and listen to
some live music and stuff. I ain't talk to you
about a lot about it did not be a very
low key this year. Just kind of an old TV
New Year, Larry, Yeah, I ain't not wrong with that.
We run low down to the amateur night and just
wasn't going to rain and it was pouring the rain
and the way I had bought some champagne and it's
still in the fridge.
Speaker 1 (10:07):
We never never popped the top on that one.
Speaker 2 (10:09):
So I can get you a little orange juice now
and you can give you some mimosas and have you
a nice little breakfast and then enjoy it here soon
and go from there.
Speaker 1 (10:18):
But yeah, it was not too wild.
Speaker 2 (10:21):
I mean, it's in this crazy weather that hit us,
you know, this past weekend, and it was a real
deal coming in.
Speaker 1 (10:29):
Got some good snow, and then we got some ice.
And then we're stuck with it for a while too.
Speaker 2 (10:33):
Because the pattern is honest, we may have some melting
later by the time this show airs.
Speaker 1 (10:39):
But I'm just kind of hunkered in there.
Speaker 2 (10:42):
I got lucky and I went out and pursued a
firewood and I ended up over on New Circle Road
at Tree Pro and they had two huge, big stacks
of firewood and they were closing at three and I
got there at two point fifteen.
Speaker 1 (10:55):
Oh no, we're in good shape. They loaded me up
and late to get me a wood. Ain't nothing wrong.
So you had wood, you got wood over the holiday wood.
Speaker 2 (11:04):
I had playing wood. Yeah, burned a lot of fires
yeas a few days. Yeah, help out the heating bill right, yeah.
And like old Bill and Carmichael, he's got that song
about having wood and he went out to the store
to get some firewood. And can listen to his music
coming and going today on our TV on our radio show.
Speaker 1 (11:23):
He does a good job.
Speaker 2 (11:24):
And I saw him on TikTok the other day singing
that thing with another local guy.
Speaker 1 (11:29):
That's a good guy and fun to watch.
Speaker 2 (11:31):
Live Old Bylan Carmichael does a good job, does a
good job so well. I hopeful everybody got a good,
safe New Year's out of it. I've seen some pictures
and stuff, but the older we get, the less enthusday
and about getting out in the mess.
Speaker 1 (11:45):
It's kind of scary, you know what I'm saying.
Speaker 2 (11:47):
So we're gonna take our first break here. Listen to
Welcome Home Show by Guardian Savings Bank. We're opening today
from nine to one. One numbers eighty five nine eight
nine nine one nine three six South and drives eighty
five nine two six three three three three five. So
if you can hear she can call us. I hope
everybody's having a good day. You're listen to Welcome Home
Show by Guardian Savis Bank on News Radio six point
thirty w LAP We'll be right back, get back. Listen
(12:10):
to Welcome Home Show by Guardian Savis Bank. Larry Freaks,
Tim Adams in here with you this Saturday morning. We'd
glad to have you tuned into us. Hope everybody's having
a good start to the new year. Getting dug out
and getting out and about and get be able to
get out and travel around safely is the key. It's
kind of crazy out there at the weather and so
on and so forth, but we just try to, you know,
(12:32):
get on here and still do our part to make
sure everybody knows what's going on. To Cats play tonight
at eight thirty down in Mississippi and play Mississippi State.
Pregame will be at six o'clock right here in six
thirty w LAP, So hang around for that.
Speaker 1 (12:45):
If you're gonna be listening to the radio. Banks open
a day from nine to one.
Speaker 2 (12:48):
Phone numbers eight five, nine, eight, nine, nine, one nine
three six South and Drive eight five nine two six
three three three three five, So if you can hear
she can call us. Still got some decent rates on
our CDs and our passbooks. Bay's account ten. We haven't
talked about that a whole lot. We did have our
five five five, but I think we're like four and
a quarter or four and three eighths or something.
Speaker 1 (13:06):
It's come down some.
Speaker 2 (13:07):
But you might want to call the taelers and ask
him if you've got some money so you need to
move around this year and want to see what you
can make on it, what type of time commitment there
is on the CDs and so on and so forth.
Call one of the tailers there at Southland or in
Hamburg and we'd be glad to chat with him and
see what we can put together. Tim and I will
promote it. But as far as the breakdown on all
the cost and the money that you can make on
(13:27):
it and how it's compounded daily up, talk to one
of them Gales and.
Speaker 1 (13:31):
See what's going on.
Speaker 2 (13:32):
I did hear a good radio story, yea with over
during the stuff storm, and that was a DJ down
in Stanford. So a lot of people had lost power
and they had no way to get the news unless
they had access to a battery powered radio. But he
slept at the station, you know, he was there for
two days, I think, and to make sure that all
(13:53):
the listeners could get news via radio because they didn't
have any yet they didn't have power.
Speaker 1 (13:58):
Well I thought that was pretty cool. Yeah, car, I
mean get in the car.
Speaker 2 (14:01):
They can listen to it if they have their phone
charged up in the car they could catch it on
iHeart or something like you do. You can listen to
this show anywhere in the world on iHeart. I guess
he was getting enough feedback where he knew he was.
His message was getting out, and he was keeping people
in the loop on road conditions, you know whatever.
Speaker 1 (14:18):
Yeah, that's awesome.
Speaker 2 (14:19):
A lot of people sacrifice during these times, the people
out working and trying to get power back on.
Speaker 1 (14:23):
I mean your farmers, you know. I mean there's.
Speaker 2 (14:26):
Regardless of what the weather is, they're doing their job.
That's a dedicated radio man to sleep at the station. Yeah,
um saying you've never done that.
Speaker 1 (14:34):
No, I never. I don't think I ever spent the
night at the station, you know.
Speaker 2 (14:38):
But it's a you know, it's a it's a crazy time,
and a lot of people step up man nineteen eight.
Speaker 1 (14:45):
Ninety nine percent of the people out.
Speaker 2 (14:46):
Here are good people, good intentions, good heart, do what
they can to help you. You know, there's few oddballs
out here take advantage of these situations. Just like you
were saying, some people like a rob banks in the snow.
I didn't know that either, you know, never saw that.
Speaker 1 (14:59):
My training. No, at the probability of a robbery goes
up during a snowstorm. I didn't know that. I had
never heard it.
Speaker 2 (15:07):
According to our banking executives, that wanted to shut the
lobby down during the snowstorm. And I think they finally
let my customers in to do their business. I don't know,
I don't know the whole story. I wasn't there. They
wanted to go to the South of branch and clothes sir. Yeah,
So anyway, we made it happen for them, and I
(15:27):
think we made it a little harder for them than
we should have made it happen.
Speaker 1 (15:31):
It's hard to do that. It's hard to do all
that through the drive through. Yeah. Well, I'm just glad
they're taking advantage of it. The recast is a pretty.
Speaker 2 (15:38):
Cool deal, and I'm not familiar with any other bank
have and so really what it is is they can
come in, they paid ten thousand dollars or more on
a principal balance reduction, don't have to refinances, don't have
to do anything. Costs one hundred bucks because of the
paperwork we have to redo. But they get immediate credit
towards their payment. So if their payment was you know,
nine hundred and they came into the principal balance reduction.
Speaker 1 (15:59):
Did a RecA has.
Speaker 2 (16:00):
Now maybe they're payment seven to fifty moving forward, same
amatization schedule, everything stays the same. But we're just going
to give them a credit for the principal bounce reduction
and showed that in the payment requirement. And that's just
unheard of, Tim. I don't know if anybody else that
does that. But we service our loans and that's you know,
how we're doing that. That's why our closing costs are
not as expensive everybody elses we service the loans. The
(16:20):
payback's truly in the payback are delivery fees and all
that stuff that are required by the government now or
just that they're going to the Fanny and Freddie Mack.
Speaker 1 (16:28):
But I mean, everything else.
Speaker 2 (16:29):
We do is a bare minimum on costs because we're
going to service the loan and your payment to us
and your dedication to us and loyal to this is
what makes us bank happen.
Speaker 1 (16:37):
And that's why we're so thankful for the Guardian saving
his bank.
Speaker 2 (16:41):
Family we have and the people that we have as clients, Tim,
I mean we've been you know, once we get them
they realize what's going on. We do a good job
of taking care of them. Now I think they appreciate
they stick with us. You know, that's just the way
it is, and that's why it should be in my opinion.
Speaker 1 (16:56):
You want to do good, be good, and we want
you to be local, stay local and by locals what
we want you to do. Just give us a call
eight five nine, eight nine nine one nine three six
and you can do that. Then we'll all be on
the same page. We'll be using local people.
Speaker 2 (17:08):
You can stop by the bank just like Tim said,
take care of business when you need to talk to
somebody that you're familiar with and know. Look at the
eyeball to eyeball if need be. We got you can
do fill out application online. You can call into an
application over the phone. Whatever's easi's eight five nine, eight
nine nine one nine three six. We are gonna take
another break and we're gonna be right back. You are
listening to Welcome Home Show by Guardian Savings Bank. We're
(17:29):
open to day from nine to one. Phone number is
eight five nine, eight nine nine one nine three six.
Here in Hamburg, Southland drives eight five nine two sixty
three three three three five.
Speaker 1 (17:39):
You can hear us. You can call us. You are
listening to Welcome Home Show by Guardian Savis Bank News
Breaking six thirty eight w LAP. We'll be right back.
Speaker 2 (17:47):
You're a back listening to Welcome Home Show by Guardian
Savings Bank Open to day from nine to one. Oh
numbers eight five, nine, eight, nine, nine one nine three
six South and Drives eight five nine two six three
three three three five Get a hold Air and O'Brien,
Jamie Mortimer, Alex Malanie, Jim McKenzie overre stop and see
the tailers if you get some CDs or any money
you want to move around over there. We got checking
(18:09):
and savings past book savings account. Not a bad place
to put your money in a safe, secure place, So
appreciate all that. Hope everybody's getting the new year started
off right. We're looking forward to it.
Speaker 1 (18:20):
Got a lot of.
Speaker 2 (18:21):
Stuff going on with the change in the administration. We'll
see how that affects the economy, what's going on with
these rates and how the bond market's going to come
into play moving forward. Ten we're seven percent on a
thirty year fixed right now. But we do have our
first time home by our program that's a KHC, that's
a five point seventy five. So at this point, so
(18:41):
when you call, if anything's change it, don't kill me
on it. But we're right there and it's not a
bad program.
Speaker 1 (18:48):
But I'll just keep that in mind.
Speaker 2 (18:49):
I'll just say it's below six percent, so it's a
one percent savings on rate and we can just play
it by a year. But it's somewhere in that five
point seventy five range. I couldn't tell you the ap
wild with closing us and all that, but you know,
it's not a bad thing to consider.
Speaker 1 (19:03):
And ten there's still houses out here to be bought.
There's people looking.
Speaker 2 (19:07):
And yeah, we said all time, Mary, the home date,
the loan, you don't have to keep whatever rate that
is that you have now.
Speaker 1 (19:15):
But if we can save you some money, if we
go along, rates come down, we'll refinance it. Go from there.
Once again, our closing costs are gonna be super competitive.
We know that.
Speaker 2 (19:23):
Not worry about that. But fha va usd AKHC. We
got thirty year fixed, twenty year fixed, fifteen year fixed
owner occupied, non owner occupied second home, bridge loans, blanket loans,
farm loans. Everybody we do about everything. We just don't
(19:44):
do car loans boat loans or note loans.
Speaker 1 (19:46):
Do we no, sir.
Speaker 2 (19:48):
We do one thing and we think we do good
at it, and that's real estate. So that's kind of
our claim to fame and that's what we're going to
continue to grow this place on. So we just appreciate
everybody that gives us a chance do business and what
we want to do. So when twenty twenty five ten,
what do you see? Do you have any projections on
(20:10):
what do you think is going to happen with the
market and housing and all that, or what do you
I mean, what are you feeling.
Speaker 1 (20:18):
At this point? You know what with this spending continuing
and it's going to be a while.
Speaker 2 (20:24):
I think before rates, you know, come down, and I
think the Federal Reserve has dug their heels in on
the inflation and they want it down to two percent
before they're willing to make any significant.
Speaker 1 (20:38):
Cuts to the Fed Fund rate.
Speaker 2 (20:40):
I don't know how the two percent mark has been
a mark on inflation that has been set the pattern
on on all these rates and all these things for
how many years. I was just saying, I mean with
attrition and population and so on and so forth, that
I would think that that does that mark ever change,
you know what I mean. I mean, it's just that's
that's the market they're after, right. You know, who elects
(21:03):
the Federal Reserve people, Well they're appointed, okay, okay, I
just was by the board.
Speaker 1 (21:09):
I guess, I don't know.
Speaker 2 (21:11):
You know, that's kind of a figurehead there in Washington,
the people at those seven banks. There's some people and
you're making decisions. It really is a secret society. I
will never know who who's in the shadows of the
Federal Reserve. But it's it's obviously some of the most
influential people in the world, you know, at this point.
Speaker 1 (21:32):
And it was you know, it was it was.
Speaker 2 (21:35):
Originated the United States, but I think it's gotten so
much bigger.
Speaker 1 (21:38):
And it's a global The Federal Reserve is global. If
you ask me, you know, I.
Speaker 2 (21:44):
See where China's rates have gotten kind of crazy on
the cost and you know, a lot of stuff oversee,
a lot of stuff that happens here happened, you know,
starts affecting people overseas because of the value of the
dollar and the cost and so on and so forth.
But there's no magic wand but if you ask me,
and this was backed up on I was watching one
(22:06):
of the opinion shows this week, and you know, energy
energy is going to result in lower cost, the availability
of energy, and lowering the cost of energy across the board.
You know, we saw in the recent word diesel fuel
came down. That's got to be helpful. But we've got
(22:29):
to bring down the cost of distribution. That's what drives
up the cost of goods in the store. It's not
price gouging by the grocery stores. I know grocers, and
they operate on a very thin margin, Larry now, and
I think it's very inappropriate for the grocers to get
thrown under the bus as the you knows, as criminal
(22:52):
as the criminal type here, But I don't think they are.
I think that there's the margins are very thin. I
think it's the cost of keeping the store and the
diesel fuel they need to bring in the trucks. And
we're not going to be able to magically switch over
to electricity or electric vehicles.
Speaker 1 (23:10):
It's going to take time. These things are radical in
a sense. But I think that the future is bright
for electric vehicles possibly, but I don't know that.
Speaker 2 (23:21):
I don't know how you can break even on them
with the cost of them and the savings and the
time you have to set chard. But we've seen the
horror stories with some of these electric cars that they
won't they're not operational in cold weather, batteries go bad
when it costs replace them, and what you do with them,
how they make the batteries, and where all that stuff
comes from, and just exactly how are we helping the
(23:42):
earth with what we're requiring to be done.
Speaker 1 (23:44):
They're just I mean, there's all kinds of different views
and opinions of it.
Speaker 2 (23:47):
We just need to make sure that we're you know,
doing our best account that we can to make things
better and the ecosystem as we go along. You know,
littering was always huge when we were big. You know,
don't litter pick up in recycle. Yeah, and I think
that you know, the United States does a great job
and all these things. I think we set the standard
(24:08):
in emissions control and all those types of things and
and a lot of other countries don't. And you know,
we're not going to be able to fix the whole world,
but we can set a good example and I think
we've done that. But yeah, the electric vehicle market's going
to be tough for a while, and they're trying to
set some standards that you know, put a lot of
pressure on all of these car makers and stuff to
meet a certain guideline in a certain certain length of
(24:28):
time while we're going broke trying to do it.
Speaker 1 (24:30):
Hopefully they'll get all that figured out. I ain't saying
we don't.
Speaker 2 (24:33):
Need to do it, can't use it, and won't be
beneficial to us, but they're just a long way to
go to make it where it's going to be feasible
to buy a.
Speaker 1 (24:39):
Vehicle and then do the charge. I still think we
have the infrastructure. We'll see. Well that's just some of
the stuff.
Speaker 2 (24:44):
But hopefully the bond market, you know, that's the main
thing that controls what we're doing, tim and that's ten
year bond. It's flattened out a little bit this week.
The Feds or everybody's kind of waiting and see what
happens next. And you know, some of the information coming
out says that the economy's solid right now, and so
they're not worried about lowering anything. They just think they
just let it ride like this. If people are being hired,
(25:05):
and people are hiring people at what rates are right now,
and you know it is what it is. Let's never
going to keep everything as in control as they can.
But I don't know where the rubber meets the road
on it, and I know you don't either, But we
just have to try to keep an eye on the
stuff and see how it's going to affect.
Speaker 1 (25:23):
Us job reports CPI.
Speaker 2 (25:26):
All those different numbers will come into play as we
go along, and they'll have an effect on the ten
year bond, and that's what it boils down to.
Speaker 1 (25:33):
Anyway. We got a bunch of other good programs here. Though.
Speaker 2 (25:35):
It's still not a bad time to buy a house.
There's just things we don't have control over. But doesn't
mean you can't still take advantage of what is there.
And right now, with rates at seven percent, if you
qualify for something, get all you can get. You don't
have to keep that loan. There's less people for you
to compete with, and there's a ton of people out here.
I promise you that could have bought a house at
seven percent in September that now, if they go back
(25:59):
on the market, try to buy that same house. That
house has gone up eighteen or twenty thousand dollars in
value as they're waiting for the rate.
Speaker 1 (26:04):
To go down.
Speaker 2 (26:04):
And I've talked to many many people about that, and Tim,
You've said the same thing. Where's the rubber meet the
road on that the house is appreciating. You're sitting there
paying rent or whatever for something you're never gonna own,
and the value of the home they're not making any
more land is continuing to increase. Even you just got to,
you know, decide what you want to do. Keep paying
(26:25):
for something you're never going to own in a rental capacity,
or buy what you can qualify for its seven percent
refinance when the rates come down a lot of people
don't even realize that they can refinances. A lot of
people just think, you know that they get it and
they keep it, or they're I don't know them. I
don't know how to get more people to understand, you
know the process of you know, working your money.
Speaker 1 (26:46):
I mean, how many homes have you owned? Two?
Speaker 2 (26:49):
And each time was different when you got them? Each
time when you you know, when I told your first one, well,
you know, my first home we used Kentucky Housing when
I came to work here. We reefinance that long and
then ultimately Boughs are built our new home in twenty
eleven been there ever since. I've been on the adjustable
(27:09):
rate mortgage ever since. I've been on the adjustable rate
mortgage since for probably two thousand and nine and something
around and there, fifteen years. And mine's coming up for
adjustment later this year in September. I'm really hoping that
the markets will, you know, help me out there. That'll
(27:30):
be up to you know, I'm going to be the
same as anybody else, and I hope I get a
favorable adjustment in September, but it's a long way away.
I'm not worried about it at this point, and can
always throw ten grand at it and have them recast
the note built won't.
Speaker 1 (27:45):
Call it in. My payment will go down. Yeah, so
I'll have options. They may go back to a thirty
year fix. That wouldn't bother me at all. Yeah, we have.
Speaker 2 (27:56):
I've been on the adjustment rate. That's the only one
I've ever had any home that I've ever owned. And
a lot of people, you know, they don't feel comfortable
with it. We watch it, we work, we work here
with it, and we get the same rate that we're
selling anybody else. But we you know, you're just paying
the fair what the real cost of money is the
thirty year fixed is A is an insurance policy of.
Speaker 1 (28:18):
Not having any payment changes. So if they're pay if.
Speaker 2 (28:20):
Rates go down and you're at seven percent, you're paying
more than what you should. If rates go up and
you're paying seven percent, then you're in good shape. That's
just the insurance you're paying for. But generally the money,
you know, it seems to average out around you know
what five percent I think is what we've determined over
the you know, twenty years. I mean, might go up,
might come down, but the average cost of my mortgage
(28:41):
that I've paid over thirty some years of home ownership
when this is my second home, third home, I guess
my third home, I think my average interest rate's probably
around four percent, four in an eight four and a
quarter over the length of the time that I've been
a homeowner.
Speaker 1 (28:56):
Ye know.
Speaker 2 (28:57):
Well, G mean, you know, we both look at the
data bank overall every month, and last month I saw
a lot of one year arms at seven percent, and
that's just somebody that things like we do if they're
going to take that seven you know, our closing costs
are you know, usually less than nine hundred dollars on
(29:17):
the in house adjust to a rate mortgage, and I
see a lot of these money people using the one
year at seven percent, and they're because they're.
Speaker 1 (29:26):
Not marrying the loan right, they're marrying the home and
it's a fluid thing that they're going to come back
to us and they're going to refine.
Speaker 2 (29:33):
So I was that was kind of an odd number
to see a lot of percentage of our fires right
now are using the one year arm. I've done some
of them, but at mine we're on the not other occupied.
That's what I was doing the ARM on. But most
of the stuff, I tell you, most of stuff I've
been doing as that KHC long, I don't. I just started,
you know, making sure that that was accessible to people
(29:55):
and getting you know, with some realtors and letting people
know them.
Speaker 1 (29:58):
We've had calls on it and you know, take advantage
of it. So we're gonna take another break.
Speaker 2 (30:02):
You are listen to Welcome Home Show by Guardian Savings
Bank open to day from nine to one. pH numbers
eight five, nine, eight ninety nine, one nine three six.
Southron Drive is eight five nine two six three three
three three five. So if you can hear she can call.
If you're listening to Dylan Carmichael's music today on the show.
I hope you enjoy it. Find him on the line,
catch him live somewhere. Great guy, good entertainer in a
fun time if you get to hear him. So anyway,
(30:23):
we're gonna be right back here. Listen to Welcome Home
Show by Guardian Savings Bank on News Radio six thirty.
Speaker 1 (30:28):
Leav you're back.
Speaker 2 (30:30):
Listen to Welcome Home Show by Guardian Savings Bank. Tim Adams,
Larry Frank's in here this Saturday morning. Happy New Year.
We're glad to have you tuned into us. We appreciate
everybody listening. UK on the night at eight thirty at
Mississippi State so there on the road again. Took a
tough loss in Georgia the other night. It's gonna happen.
Secs tough now, it's gonna be a tough league. But
(30:50):
the pregame starts at six right here on six thirty WLAP,
So going and get that on your radio dial and
be ready for it. But uh, anyway, just give us
a call here to Bank eighty five nine eight nine
nine one nine three six. We've got all kinds of
different stuff we can talk about as far as debt consolidation,
using some of the equity, consolidate some of your bills.
We've got our first time home buyer loans out here
that are in pretty good shape, and just see if
(31:14):
we can get you qualified and get your headed down
in the right direction. So when your lease expires this spring,
or you're getting ready to make your next move on
your job or what have you, let's get your pre
qualified and get everything in shape so that you can
find a home and quit paying for something you're not
going to own, and home ownership pay for everybody, we
get it. But if you are interested in buying a home,
we'd like to be part of the plan and helping
(31:35):
you do that.
Speaker 1 (31:36):
We originate these loans for you.
Speaker 2 (31:37):
We're going to service all of our conventional stuff and
you know anything you know, once we do business with you,
we'll keep everything in here that we can. But then
you know, some of the government loans, we don't service them.
That's why the closing costs are different, and there's just
a different process on that. But any conventional stuff or
in house money, you're going to pay Guardian Savings Bank
the entire time. And I think that's a pretty handy
consequence for you know a lot of people here, Tim,
(31:59):
would have you been able.
Speaker 1 (32:00):
To stop in and make a payment.
Speaker 2 (32:01):
Sure, I mean that's a that's peace of mind for
a lot of the people I talked to that they've
been through the servicing turnstile where your loan's transferred and
you know, technically sold to another vendor who's going to
take the payments. But we've had a relationship with Freddie Mac,
our investor, for many, many, many years, and we are
(32:22):
a trusted agent for Freddie Mac. And that's the upper
echelon of lending, and we are local by local, we
keep the loan you pay us. That won't happen on
a Kentucky housing loan, but on all conventional lending through
Freddie Mac, you'll be paying Guardian Savings Bank. And yes,
(32:42):
you can walk right in and pay it once a
month if you want to, yep, then drive through the
teller right under a check get a receipt. YEA.
Speaker 1 (32:50):
I think you can give a mortgage plus checking account
if you open that up. They give you fifty bucks to.
Speaker 2 (32:55):
Open up a mortgage plus checking account. So I mean
we do have checking and say we talk about mortgages
and stuff on here all the time, and.
Speaker 1 (33:03):
We, uh, that's what we do. We don't do car loans,
boat loans or note loans.
Speaker 2 (33:06):
We just try to stay on top of it, try
to figure out what's going on in the market, what's
creating issues, where the rates are at, why they where
they're at, and what needs to change for them to
get lower or what people can expect. And it's kind
of a little cloudy right now. Tim lost stuff we
grew up on and being able to keep our finger
on the pulse of have disappeared. A lot of the
information is not as transparent as we thought it was.
(33:29):
But Nick, we kind of had a beat on it
for a long time and and now we keep an
eye on it. But it's uh, it's uh, you know,
that's what makes them the game fun for us because
it's always changing. Lower rates is more business, but still
we're still providing the service, doing good mortgages for people,
and that's that's what we're here to do. So what
type of loans you got in the pipeline? Now, sim
(33:50):
we got a few minutes left, we'll get off here.
Purchases and uh, some guy we wanted to use his
home here in Lexington to buy something in Florida. I
mean just you never know, you know, I had to
somebody wanting from Florida wanted to buy a second home
up here this week and started working on that.
Speaker 1 (34:05):
Some people is that they haven't bought a home in
a while.
Speaker 2 (34:07):
These delivery fees and stuff affiliated with these loans, now
it's a little bit of a shocker for people haven't
bought in a while, the delivery fees or it's kind
of hard to explain.
Speaker 1 (34:17):
How do you explain to your clients. Well, we discussed
that many times.
Speaker 2 (34:21):
It was supposedly a one time reimbursement for the two
thousand and eight and nine foreclosures that we had, you know,
that was the way of the government to recoup all
the losses they suffered.
Speaker 1 (34:35):
During that time. But it never did to go away,
and then it got a little worse after COVID.
Speaker 2 (34:42):
So I'm not sure the premise behind the fees, but
obviously we're looking you know, the more you have down,
the less expensive it is. Right, more down and great
credit scores will help and costs.
Speaker 1 (34:58):
But if you want to look at the.
Speaker 2 (35:01):
What's been happening here is the one year arm at
seven percent with you know what really a gut feeling
that you're gonna be able to refinance within twelve months. Yeah,
and we've been doing a lot of those and those
those loan closing costs are about eleven hundred bucks yep.
Speaker 1 (35:18):
So that includes the price yep.
Speaker 2 (35:21):
So that's a loan that you know, a lot of
people understand time and money are not afraid to take
the care of the thirty year fix is just an
insurance policy. Your rick's not going to change. But you
can do it three one arm or a one to
one arm. Why not, you know, save the money. Let's
keep an eye on the market and see what happens. Otherwise,
take to seven percent. That's just an insurance policy. You're
(35:41):
fixed for thirty years on that deal, you know. So
then your strategy is still the same, Right, You're exactly
to refiut with us when the time comes.
Speaker 1 (35:50):
Marry the home date the loan. That's all you want
to do. And that's just you know, some of the
freedom that you have.
Speaker 2 (35:55):
A lot of people don't realize that they can get
a home equi line of credit, they can do cash out,
they can refinance, and once again, if you are now
tight with credit card debt and you're paying twenty nine
or thirty percent on that. You want to do a
consolidation loan and let us see if we can put
some cash back in your pocket monthly, put four or
five bills into one, you know. Just give us a
call eight five, nine, eight, nine nine, one nine three six.
(36:15):
We'll take a look at it and makes sense, we'll
do it. If not, we won't, but we'll least have
a plan together and be able to evaluate some different
angles that you might be able to put into place
and save yourself some money. So that's what we're here
to do. Hey, don't forget. The Cats are on to
nine at eight thirty. Right here on six thirty WLAP
pre games at six o'clock or down Mississippi State on
the road again, so hopefully they'll get back on the
winning track. I hope everybody's having a good start to
(36:37):
the new year. We appreciate you tuning in to us,
listening to us. We missed you last week because the game,
but what a great game it was against Florida at home.
But anyhow, we appreciate you tuning into us. You have
been listening to Welcome Home Show by Guardian Savings Bank.
We are open today from.
Speaker 1 (36:50):
Nine to one.
Speaker 2 (36:51):
Phone numbers eight five, nine, eight nine nine one nine
three six. Southland Drive is eight five nine two sixty
three three three three five.
Speaker 1 (36:57):
So if you can hear what you can call us
have a great week.
Speaker 2 (37:00):
Ang List A welcome on show by Guardian Savings Bank
on News Radio six thirty, Hoping the Loldcast w LAP
be back next week
You're back lit like to Guardian row By Guardians and
I'm ready New Year. Were tuned into it. Everybody happy
New Year, everybody New Year.
Speaker 2 (00:17):
The Mississippi base doing crazy with us lost in Georgia
that it's been a while since we had something that happened.
He seems tough overpassing league with the pregame starts. W
l's been kind of crazy.
Speaker 1 (00:31):
On your radio.
Speaker 2 (00:31):
Boun and be ready for any Bayway's corner. About nine
one nine things they need to get on the kinds
of the banks from the one we've been consolidate and
every day what do you consolidates.
Speaker 1 (00:43):
The first time home. See, he doesn't appreciated.
Speaker 2 (00:47):
Good open if they're involved, just if we can get
you qualified and get you down the right direction. So
when part of the bank getting ready to glad big
next move, do the job or what have what?
Speaker 1 (00:59):
Everybody pre qualify all that they need everything so that
you can keep moving forward to the streets.
Speaker 2 (01:03):
You can get and you're not going to own home,
but get but if you are find a home with
like plan helping you do that. Come in and we
originate these loans. We're going to break us all over stuff.
They have one do anything with you. We'll get everything
in here that we can.
Speaker 1 (01:20):
But then.
Speaker 2 (01:22):
That's what the closing costs are different. There's just a
different process on that conventional stuff. Money you're guarding the
entire time. I think that's a pretty handy consequence for
you know a lot of people here, Kim, you have
been able to stop in.
Speaker 1 (01:38):
That's a that's I've been for a lot of the people.
Speaker 2 (01:42):
They've been through the service style where your loans transferred
and technically sold to another vendor who's going to take
so they don't even have anship with Freddie Mack, our
investor in US, so many many many years are trusted.
You tell your cause them reready back in the game.
(02:02):
That's the upper thing, and we are local. I thought
that was kind of key alone through that one Monday
was just drifting all conventional lendings. Ready lobby traffic. You'll
be staring bank, you can walk right in and we've
been watching the want the market and drive through the tailor.
Speaker 1 (02:25):
Seven think you give a mortgage plus checking account.
Speaker 2 (02:31):
Mortgage plus checking account would be pretty good and hopefully
that's checking And we talked about mortgages and stuff on
your point and been, uh, that's what carlos.
Speaker 1 (02:43):
Of it and what's going on to creating.
Speaker 2 (02:47):
The reformation where they're changing get all the information people could.
Speaker 1 (02:52):
Expect more jobs, not a little cloud.
Speaker 2 (02:57):
I guess keep our finger on the pulsay much better
shape than the information. Maybe it is, I mean transparent,
maybe not just the lower rates. Two times were still
we had a beat on it for a same information
now now.
Speaker 1 (03:08):
That we've been keeping on it.
Speaker 2 (03:10):
But it's uh, it's uh, you know, that's what makes
the game central for us because always changed.
Speaker 1 (03:17):
Lower rates is more business. Have one opinion. We're still
providing service, doing good mortgage.
Speaker 2 (03:21):
For each one of the super we're here, got an
opinion on what type of you got and we got
right get off here part of you know, we're very
hopeful that some guys percented itself.
Speaker 1 (03:32):
Here is water vision by something in Florida and to.
Speaker 2 (03:35):
Give those related that some want Florida went my second
home up here this week working on six or peoples
that they have bought a home and these delivery fees
and stuff affiliated with these lines. Now if we can
get it go and we were there a little bit
of people have in a while. The delivery feeds are
very explained ring, and well we just got any time news.
(03:57):
It was supposedly a one time just in such it's
right and the worst when you turn out two thousand,
that's important this weekend motus. Then they don't come back
and they have a way to readjust it and recomb
readjusted all seasonal adjustments or what have you. You kind
of expected that they haven't done a whole lot, and
then they got the worst numbers, got three different shorts
(04:17):
for jobs and all that don't how many jobs three
how many people filed on them? Obviously we're looking you know,
they always to use the worst of the three less expensive,
it is right, use it to the more down and
great credit making, help ability and nothing else. But if
you want to look at the hope they will get better.
Word seven. I mean, what's been hands over here? It's
(04:38):
one year arm at seven percent, still doing long. We've
still five seven five on the cage first time. I
really I've got feeling and refinance within twelve. But we're doing,
we've been doing. You can get a lot of those
stuff with Then there's about limitations if there's no location
inclosing particulations on that. So give us all that you
know a lot of it to understand town of money
(05:00):
or working through them and making three of your fixes
just your.
Speaker 1 (05:04):
It's not going to change.
Speaker 2 (05:05):
Will you can do it three one arm and do
the best we can one one? You know you want
to give us a call and save the money. Let's
keep on the mor nine and three six, I listen
to show.
Speaker 1 (05:15):
That's just qualify. We'll pick the numbers and you go
from there.
Speaker 2 (05:19):
So then you're don't still taking advantage of that, right him?
When we wouldn't say marry the home and they married
the home day that they come down to six and
that's just you know, some of the freedom ahead makes
people standard read we want to they can refrain once again,
if you closing car now credit card, I'm paying twenty
(05:41):
nine thirty we got we got a higher ration and
learn and do.
Speaker 1 (05:44):
Something you want to do my deck your pocket? But
how much you work cards? You know him eight five nine.
Speaker 2 (05:51):
You get a credit cards and well do you want
to land together and be able to value We won't
make a singles that you might you don't put it
into place and building and create this plas don't forget
to cast the sight. Couple of the pre games of
mortgage when that miss Savings was on the road, the
bugget back on the way the track did. That's giving
(06:12):
a good start to the new year. They'll go back
and then to listen to us and mister last week
of the game, but so we what a great game
any half and and get appreciate you in the back
up and the Purdy by Guardian Savings Bank with your
business today one numbers eight five nine nine one nine
three drive is eight five nine to three binding so
(06:34):
you can hear what you can call us every great
weekend Live Best Guardian Saving Bank Radio Thursday side. You
know what you're talking about actually happened that consolidation country
using the equerior home kind of makes you seem downsizing upsizing,
so we have to steal a.
Speaker 1 (06:53):
More downsize again. Let's this coming and I think that
we'll see.
Speaker 2 (07:01):
A metal walk or believe in the three percent of
that one on the Morgan take God right there after
cover and that'll really go back to the morning say
understand that, but and the monthly say you like, you
know you're not gonna get anything on the month raise good.
(07:22):
But if we're gonna consolidation left they used to that's
gonna totally lost, you know, over time the tent once again,
when the races come back down, we'll read through.
Speaker 1 (07:32):
You know, we can you do. And you're taken advantage
of the little rate for a while you built it.
The next we take advantage of it. I mean we're
in tennis fifty wore equity reaching cast fool on occasion,
you know, but we've been breaking even those seven eight
seven still need to mind.
Speaker 2 (07:47):
Now I'm gonna send house wand values and you can't
just stop my father.
Speaker 1 (07:52):
Now we're gonna ca the lower rates. All them will
come to spread of mine. They're gonna be more bars,
so you know, coming the ones that I'm closing now,
I'm turning the out here you are. I mean, we'll
just take in touch and when rad come down to
make ten free, that we'll do. I don't need to
get down the pep you're out to take. But if
(08:13):
you have consolidation that you can do the thing.
Speaker 2 (08:15):
If you want to play free up the cash flow,
keep in give us a call and take a look.
Speaker 1 (08:21):
They're playing together and I'll put them to gun that
hun plenty.
Speaker 2 (08:25):
Some say we I'm gonna get them on what we're
paying on what we're taking advantage of.
Speaker 1 (08:29):
You know, one of the biggest ones where wishin corporate
the car in on the block.
Speaker 2 (08:34):
You know, never big payment for you's if you have
one that's you financed over the last couple of years.
Speaker 1 (08:38):
So you know, we just take advantage of your equity
if you can. If you get something at.
Speaker 2 (08:42):
Seven percent, cut your credit card debt down to seven percent,
put all your payments into one and free up yourself
and some cash flow, and let's do it eight five nine,
eight nine nine one nine three six. If you're wanting
to buy a home and you want to take advantage
of a Kentucky Housing Corporation program five point seventy five
on a thirty year fix. The fees are different than
(09:03):
anything else we do in here, and it costs a
little bit to get into it, but I can show
you over a period of time if you stick with
it and keep it, you know, the fees are gonna
be worth the cost and doing the loan to get
the five point seventy five, I mean, because they're not
just like Tim said, the houses are appreciating it.
Speaker 1 (09:17):
What's seven and a half or eight percent a year?
Speaker 2 (09:19):
It seems yes, So by the time you figure that
with what you're paying down, you're gonna pay some stuff
and you can keep the five seven five.
Speaker 1 (09:26):
Forever, you know.
Speaker 2 (09:27):
And those loans are you know, they're they're handy and
it's just a loan program that you know worth seven percent,
So you can get five point seven five are you
kidding me? Take advantage of that for a while rates
come down, Like Tim said, refinance it when it makes sense,
We'll do it. But you can marry the home date
the loan, you know. Once again, Happy New Year to everybody, openly,
(09:48):
everybody had a good New year. Once you get into
on New Year's Tim, you go out and listen to
some live music and stuff. I ain't talk to you
about a lot about it did not be a very
low key this year. Just kind of an old TV
New Year, Larry, Yeah, I ain't not wrong with that.
We run low down to the amateur night and just
wasn't going to rain and it was pouring the rain
and the way I had bought some champagne and it's
still in the fridge.
Speaker 1 (10:07):
We never never popped the top on that one.
Speaker 2 (10:09):
So I can get you a little orange juice now
and you can give you some mimosas and have you
a nice little breakfast and then enjoy it here soon
and go from there.
Speaker 1 (10:18):
But yeah, it was not too wild.
Speaker 2 (10:21):
I mean, it's in this crazy weather that hit us,
you know, this past weekend, and it was a real
deal coming in.
Speaker 1 (10:29):
Got some good snow, and then we got some ice.
And then we're stuck with it for a while too.
Speaker 2 (10:33):
Because the pattern is honest, we may have some melting
later by the time this show airs.
Speaker 1 (10:39):
But I'm just kind of hunkered in there.
Speaker 2 (10:42):
I got lucky and I went out and pursued a
firewood and I ended up over on New Circle Road
at Tree Pro and they had two huge, big stacks
of firewood and they were closing at three and I
got there at two point fifteen.
Speaker 1 (10:55):
Oh no, we're in good shape. They loaded me up
and late to get me a wood. Ain't nothing wrong.
So you had wood, you got wood over the holiday wood.
Speaker 2 (11:04):
I had playing wood. Yeah, burned a lot of fires
yeas a few days. Yeah, help out the heating bill right, yeah.
And like old Bill and Carmichael, he's got that song
about having wood and he went out to the store
to get some firewood. And can listen to his music
coming and going today on our TV on our radio show.
Speaker 1 (11:23):
He does a good job.
Speaker 2 (11:24):
And I saw him on TikTok the other day singing
that thing with another local guy.
Speaker 1 (11:29):
That's a good guy and fun to watch.
Speaker 2 (11:31):
Live Old Bylan Carmichael does a good job, does a
good job so well. I hopeful everybody got a good,
safe New Year's out of it. I've seen some pictures
and stuff, but the older we get, the less enthusday
and about getting out in the mess.
Speaker 1 (11:45):
It's kind of scary, you know what I'm saying.
Speaker 2 (11:47):
So we're gonna take our first break here. Listen to
Welcome Home Show by Guardian Savings Bank. We're opening today
from nine to one. One numbers eighty five nine eight
nine nine one nine three six South and drives eighty
five nine two six three three three three five. So
if you can hear she can call us. I hope
everybody's having a good day. You're listen to Welcome Home
Show by Guardian Savis Bank on News Radio six point
thirty w LAP We'll be right back, get back. Listen
(12:10):
to Welcome Home Show by Guardian Savis Bank. Larry Freaks,
Tim Adams in here with you this Saturday morning. We'd
glad to have you tuned into us. Hope everybody's having
a good start to the new year. Getting dug out
and getting out and about and get be able to
get out and travel around safely is the key. It's
kind of crazy out there at the weather and so
on and so forth, but we just try to, you know,
(12:32):
get on here and still do our part to make
sure everybody knows what's going on. To Cats play tonight
at eight thirty down in Mississippi and play Mississippi State.
Pregame will be at six o'clock right here in six
thirty w LAP, So hang around for that.
Speaker 1 (12:45):
If you're gonna be listening to the radio. Banks open
a day from nine to one.
Speaker 2 (12:48):
Phone numbers eight five, nine, eight, nine, nine, one nine
three six South and Drive eight five nine two six
three three three three five, So if you can hear
she can call us. Still got some decent rates on
our CDs and our passbooks. Bay's account ten. We haven't
talked about that a whole lot. We did have our
five five five, but I think we're like four and
a quarter or four and three eighths or something.
Speaker 1 (13:06):
It's come down some.
Speaker 2 (13:07):
But you might want to call the taelers and ask
him if you've got some money so you need to
move around this year and want to see what you
can make on it, what type of time commitment there
is on the CDs and so on and so forth.
Call one of the tailers there at Southland or in
Hamburg and we'd be glad to chat with him and
see what we can put together. Tim and I will
promote it. But as far as the breakdown on all
the cost and the money that you can make on
(13:27):
it and how it's compounded daily up, talk to one
of them Gales and.
Speaker 1 (13:31):
See what's going on.
Speaker 2 (13:32):
I did hear a good radio story, yea with over
during the stuff storm, and that was a DJ down
in Stanford. So a lot of people had lost power
and they had no way to get the news unless
they had access to a battery powered radio. But he
slept at the station, you know, he was there for
two days, I think, and to make sure that all
(13:53):
the listeners could get news via radio because they didn't
have any yet they didn't have power.
Speaker 1 (13:58):
Well I thought that was pretty cool. Yeah, car, I
mean get in the car.
Speaker 2 (14:01):
They can listen to it if they have their phone
charged up in the car they could catch it on
iHeart or something like you do. You can listen to
this show anywhere in the world on iHeart. I guess
he was getting enough feedback where he knew he was.
His message was getting out, and he was keeping people
in the loop on road conditions, you know whatever.
Speaker 1 (14:18):
Yeah, that's awesome.
Speaker 2 (14:19):
A lot of people sacrifice during these times, the people
out working and trying to get power back on.
Speaker 1 (14:23):
I mean your farmers, you know. I mean there's.
Speaker 2 (14:26):
Regardless of what the weather is, they're doing their job.
That's a dedicated radio man to sleep at the station. Yeah,
um saying you've never done that.
Speaker 1 (14:34):
No, I never. I don't think I ever spent the
night at the station, you know.
Speaker 2 (14:38):
But it's a you know, it's a it's a crazy time,
and a lot of people step up man nineteen eight.
Speaker 1 (14:45):
Ninety nine percent of the people out.
Speaker 2 (14:46):
Here are good people, good intentions, good heart, do what
they can to help you. You know, there's few oddballs
out here take advantage of these situations. Just like you
were saying, some people like a rob banks in the snow.
I didn't know that either, you know, never saw that.
Speaker 1 (14:59):
My training. No, at the probability of a robbery goes
up during a snowstorm. I didn't know that. I had
never heard it.
Speaker 2 (15:07):
According to our banking executives, that wanted to shut the
lobby down during the snowstorm. And I think they finally
let my customers in to do their business. I don't know,
I don't know the whole story. I wasn't there. They
wanted to go to the South of branch and clothes sir. Yeah,
So anyway, we made it happen for them, and I
(15:27):
think we made it a little harder for them than
we should have made it happen.
Speaker 1 (15:31):
It's hard to do that. It's hard to do all
that through the drive through. Yeah. Well, I'm just glad
they're taking advantage of it. The recast is a pretty.
Speaker 2 (15:38):
Cool deal, and I'm not familiar with any other bank
have and so really what it is is they can
come in, they paid ten thousand dollars or more on
a principal balance reduction, don't have to refinances, don't have
to do anything. Costs one hundred bucks because of the
paperwork we have to redo. But they get immediate credit
towards their payment. So if their payment was you know,
nine hundred and they came into the principal balance reduction.
Speaker 1 (15:59):
Did a RecA has.
Speaker 2 (16:00):
Now maybe they're payment seven to fifty moving forward, same
amatization schedule, everything stays the same. But we're just going
to give them a credit for the principal bounce reduction
and showed that in the payment requirement. And that's just
unheard of, Tim. I don't know if anybody else that
does that. But we service our loans and that's you know,
how we're doing that. That's why our closing costs are
not as expensive everybody elses we service the loans. The
(16:20):
payback's truly in the payback are delivery fees and all
that stuff that are required by the government now or
just that they're going to the Fanny and Freddie Mack.
Speaker 1 (16:28):
But I mean, everything else.
Speaker 2 (16:29):
We do is a bare minimum on costs because we're
going to service the loan and your payment to us
and your dedication to us and loyal to this is
what makes us bank happen.
Speaker 1 (16:37):
And that's why we're so thankful for the Guardian saving
his bank.
Speaker 2 (16:41):
Family we have and the people that we have as clients, Tim,
I mean we've been you know, once we get them
they realize what's going on. We do a good job
of taking care of them. Now I think they appreciate
they stick with us. You know, that's just the way
it is, and that's why it should be in my opinion.
Speaker 1 (16:56):
You want to do good, be good, and we want
you to be local, stay local and by locals what
we want you to do. Just give us a call
eight five nine, eight nine nine one nine three six
and you can do that. Then we'll all be on
the same page. We'll be using local people.
Speaker 2 (17:08):
You can stop by the bank just like Tim said,
take care of business when you need to talk to
somebody that you're familiar with and know. Look at the
eyeball to eyeball if need be. We got you can
do fill out application online. You can call into an
application over the phone. Whatever's easi's eight five nine, eight
nine nine one nine three six. We are gonna take
another break and we're gonna be right back. You are
listening to Welcome Home Show by Guardian Savings Bank. We're
(17:29):
open to day from nine to one. Phone number is
eight five nine, eight nine nine one nine three six.
Here in Hamburg, Southland drives eight five nine two sixty
three three three three five.
Speaker 1 (17:39):
You can hear us. You can call us. You are
listening to Welcome Home Show by Guardian Savis Bank News
Breaking six thirty eight w LAP. We'll be right back.
Speaker 2 (17:47):
You're a back listening to Welcome Home Show by Guardian
Savings Bank Open to day from nine to one. Oh
numbers eight five, nine, eight, nine, nine one nine three
six South and Drives eight five nine two six three
three three three five Get a hold Air and O'Brien,
Jamie Mortimer, Alex Malanie, Jim McKenzie overre stop and see
the tailers if you get some CDs or any money
you want to move around over there. We got checking
(18:09):
and savings past book savings account. Not a bad place
to put your money in a safe, secure place, So
appreciate all that. Hope everybody's getting the new year started
off right. We're looking forward to it.
Speaker 1 (18:20):
Got a lot of.
Speaker 2 (18:21):
Stuff going on with the change in the administration. We'll
see how that affects the economy, what's going on with
these rates and how the bond market's going to come
into play moving forward. Ten we're seven percent on a
thirty year fixed right now. But we do have our
first time home by our program that's a KHC, that's
a five point seventy five. So at this point, so
(18:41):
when you call, if anything's change it, don't kill me
on it. But we're right there and it's not a
bad program.
Speaker 1 (18:48):
But I'll just keep that in mind.
Speaker 2 (18:49):
I'll just say it's below six percent, so it's a
one percent savings on rate and we can just play
it by a year. But it's somewhere in that five
point seventy five range. I couldn't tell you the ap
wild with closing us and all that, but you know,
it's not a bad thing to consider.
Speaker 1 (19:03):
And ten there's still houses out here to be bought.
There's people looking.
Speaker 2 (19:07):
And yeah, we said all time, Mary, the home date,
the loan, you don't have to keep whatever rate that
is that you have now.
Speaker 1 (19:15):
But if we can save you some money, if we
go along, rates come down, we'll refinance it. Go from there.
Once again, our closing costs are gonna be super competitive.
We know that.
Speaker 2 (19:23):
Not worry about that. But fha va usd AKHC. We
got thirty year fixed, twenty year fixed, fifteen year fixed
owner occupied, non owner occupied second home, bridge loans, blanket loans,
farm loans. Everybody we do about everything. We just don't
(19:44):
do car loans boat loans or note loans.
Speaker 1 (19:46):
Do we no, sir.
Speaker 2 (19:48):
We do one thing and we think we do good
at it, and that's real estate. So that's kind of
our claim to fame and that's what we're going to
continue to grow this place on. So we just appreciate
everybody that gives us a chance do business and what
we want to do. So when twenty twenty five ten,
what do you see? Do you have any projections on
(20:10):
what do you think is going to happen with the
market and housing and all that, or what do you
I mean, what are you feeling.
Speaker 1 (20:18):
At this point? You know what with this spending continuing
and it's going to be a while.
Speaker 2 (20:24):
I think before rates, you know, come down, and I
think the Federal Reserve has dug their heels in on
the inflation and they want it down to two percent
before they're willing to make any significant.
Speaker 1 (20:38):
Cuts to the Fed Fund rate.
Speaker 2 (20:40):
I don't know how the two percent mark has been
a mark on inflation that has been set the pattern
on on all these rates and all these things for
how many years. I was just saying, I mean with
attrition and population and so on and so forth, that
I would think that that does that mark ever change,
you know what I mean. I mean, it's just that's
that's the market they're after, right. You know, who elects
(21:03):
the Federal Reserve people, Well they're appointed, okay, okay, I
just was by the board.
Speaker 1 (21:09):
I guess, I don't know.
Speaker 2 (21:11):
You know, that's kind of a figurehead there in Washington,
the people at those seven banks. There's some people and
you're making decisions. It really is a secret society. I
will never know who who's in the shadows of the
Federal Reserve. But it's it's obviously some of the most
influential people in the world, you know, at this point.
Speaker 1 (21:32):
And it was you know, it was it was.
Speaker 2 (21:35):
Originated the United States, but I think it's gotten so
much bigger.
Speaker 1 (21:38):
And it's a global The Federal Reserve is global. If
you ask me, you know, I.
Speaker 2 (21:44):
See where China's rates have gotten kind of crazy on
the cost and you know, a lot of stuff oversee,
a lot of stuff that happens here happened, you know,
starts affecting people overseas because of the value of the
dollar and the cost and so on and so forth.
But there's no magic wand but if you ask me,
and this was backed up on I was watching one
(22:06):
of the opinion shows this week, and you know, energy
energy is going to result in lower cost, the availability
of energy, and lowering the cost of energy across the board.
You know, we saw in the recent word diesel fuel
came down. That's got to be helpful. But we've got
(22:29):
to bring down the cost of distribution. That's what drives
up the cost of goods in the store. It's not
price gouging by the grocery stores. I know grocers, and
they operate on a very thin margin, Larry now, and
I think it's very inappropriate for the grocers to get
thrown under the bus as the you knows, as criminal
(22:52):
as the criminal type here, But I don't think they are.
I think that there's the margins are very thin. I
think it's the cost of keeping the store and the
diesel fuel they need to bring in the trucks. And
we're not going to be able to magically switch over
to electricity or electric vehicles.
Speaker 1 (23:10):
It's going to take time. These things are radical in
a sense. But I think that the future is bright
for electric vehicles possibly, but I don't know that.
Speaker 2 (23:21):
I don't know how you can break even on them
with the cost of them and the savings and the
time you have to set chard. But we've seen the
horror stories with some of these electric cars that they
won't they're not operational in cold weather, batteries go bad
when it costs replace them, and what you do with them,
how they make the batteries, and where all that stuff
comes from, and just exactly how are we helping the
(23:42):
earth with what we're requiring to be done.
Speaker 1 (23:44):
They're just I mean, there's all kinds of different views
and opinions of it.
Speaker 2 (23:47):
We just need to make sure that we're you know,
doing our best account that we can to make things
better and the ecosystem as we go along. You know,
littering was always huge when we were big. You know,
don't litter pick up in recycle. Yeah, and I think
that you know, the United States does a great job
and all these things. I think we set the standard
(24:08):
in emissions control and all those types of things and
and a lot of other countries don't. And you know,
we're not going to be able to fix the whole world,
but we can set a good example and I think
we've done that. But yeah, the electric vehicle market's going
to be tough for a while, and they're trying to
set some standards that you know, put a lot of
pressure on all of these car makers and stuff to
meet a certain guideline in a certain certain length of
(24:28):
time while we're going broke trying to do it.
Speaker 1 (24:30):
Hopefully they'll get all that figured out. I ain't saying
we don't.
Speaker 2 (24:33):
Need to do it, can't use it, and won't be
beneficial to us, but they're just a long way to
go to make it where it's going to be feasible
to buy a.
Speaker 1 (24:39):
Vehicle and then do the charge. I still think we
have the infrastructure. We'll see. Well that's just some of
the stuff.
Speaker 2 (24:44):
But hopefully the bond market, you know, that's the main
thing that controls what we're doing, tim and that's ten
year bond. It's flattened out a little bit this week.
The Feds or everybody's kind of waiting and see what
happens next. And you know, some of the information coming
out says that the economy's solid right now, and so
they're not worried about lowering anything. They just think they
just let it ride like this. If people are being hired,
(25:05):
and people are hiring people at what rates are right now,
and you know it is what it is. Let's never
going to keep everything as in control as they can.
But I don't know where the rubber meets the road
on it, and I know you don't either, But we
just have to try to keep an eye on the
stuff and see how it's going to affect.
Speaker 1 (25:23):
Us job reports CPI.
Speaker 2 (25:26):
All those different numbers will come into play as we
go along, and they'll have an effect on the ten
year bond, and that's what it boils down to.
Speaker 1 (25:33):
Anyway. We got a bunch of other good programs here. Though.
Speaker 2 (25:35):
It's still not a bad time to buy a house.
There's just things we don't have control over. But doesn't
mean you can't still take advantage of what is there.
And right now, with rates at seven percent, if you
qualify for something, get all you can get. You don't
have to keep that loan. There's less people for you
to compete with, and there's a ton of people out here.
I promise you that could have bought a house at
seven percent in September that now, if they go back
(25:59):
on the market, try to buy that same house. That
house has gone up eighteen or twenty thousand dollars in
value as they're waiting for the rate.
Speaker 1 (26:04):
To go down.
Speaker 2 (26:04):
And I've talked to many many people about that, and Tim,
You've said the same thing. Where's the rubber meet the
road on that the house is appreciating. You're sitting there
paying rent or whatever for something you're never gonna own,
and the value of the home they're not making any
more land is continuing to increase. Even you just got to,
you know, decide what you want to do. Keep paying
(26:25):
for something you're never going to own in a rental capacity,
or buy what you can qualify for its seven percent
refinance when the rates come down a lot of people
don't even realize that they can refinances. A lot of
people just think, you know that they get it and
they keep it, or they're I don't know them. I
don't know how to get more people to understand, you
know the process of you know, working your money.
Speaker 1 (26:46):
I mean, how many homes have you owned? Two?
Speaker 2 (26:49):
And each time was different when you got them? Each
time when you you know, when I told your first one, well,
you know, my first home we used Kentucky Housing when
I came to work here. We reefinance that long and
then ultimately Boughs are built our new home in twenty
eleven been there ever since. I've been on the adjustable
(27:09):
rate mortgage ever since. I've been on the adjustable rate
mortgage since for probably two thousand and nine and something
around and there, fifteen years. And mine's coming up for
adjustment later this year in September. I'm really hoping that
the markets will, you know, help me out there. That'll
(27:30):
be up to you know, I'm going to be the
same as anybody else, and I hope I get a
favorable adjustment in September, but it's a long way away.
I'm not worried about it at this point, and can
always throw ten grand at it and have them recast
the note built won't.
Speaker 1 (27:45):
Call it in. My payment will go down. Yeah, so
I'll have options. They may go back to a thirty
year fix. That wouldn't bother me at all. Yeah, we have.
Speaker 2 (27:56):
I've been on the adjustment rate. That's the only one
I've ever had any home that I've ever owned. And
a lot of people, you know, they don't feel comfortable
with it. We watch it, we work, we work here
with it, and we get the same rate that we're
selling anybody else. But we you know, you're just paying
the fair what the real cost of money is the
thirty year fixed is A is an insurance policy of.
Speaker 1 (28:18):
Not having any payment changes. So if they're pay if.
Speaker 2 (28:20):
Rates go down and you're at seven percent, you're paying
more than what you should. If rates go up and
you're paying seven percent, then you're in good shape. That's
just the insurance you're paying for. But generally the money,
you know, it seems to average out around you know
what five percent I think is what we've determined over
the you know, twenty years. I mean, might go up,
might come down, but the average cost of my mortgage
(28:41):
that I've paid over thirty some years of home ownership
when this is my second home, third home, I guess
my third home, I think my average interest rate's probably
around four percent, four in an eight four and a
quarter over the length of the time that I've been
a homeowner.
Speaker 1 (28:56):
Ye know.
Speaker 2 (28:57):
Well, G mean, you know, we both look at the
data bank overall every month, and last month I saw
a lot of one year arms at seven percent, and
that's just somebody that things like we do if they're
going to take that seven you know, our closing costs
are you know, usually less than nine hundred dollars on
(29:17):
the in house adjust to a rate mortgage, and I
see a lot of these money people using the one
year at seven percent, and they're because they're.
Speaker 1 (29:26):
Not marrying the loan right, they're marrying the home and
it's a fluid thing that they're going to come back
to us and they're going to refine.
Speaker 2 (29:33):
So I was that was kind of an odd number
to see a lot of percentage of our fires right
now are using the one year arm. I've done some
of them, but at mine we're on the not other occupied.
That's what I was doing the ARM on. But most
of the stuff, I tell you, most of stuff I've
been doing as that KHC long, I don't. I just started,
you know, making sure that that was accessible to people
(29:55):
and getting you know, with some realtors and letting people
know them.
Speaker 1 (29:58):
We've had calls on it and you know, take advantage
of it. So we're gonna take another break.
Speaker 2 (30:02):
You are listen to Welcome Home Show by Guardian Savings
Bank open to day from nine to one. pH numbers
eight five, nine, eight ninety nine, one nine three six.
Southron Drive is eight five nine two six three three
three three five. So if you can hear she can call.
If you're listening to Dylan Carmichael's music today on the show.
I hope you enjoy it. Find him on the line,
catch him live somewhere. Great guy, good entertainer in a
fun time if you get to hear him. So anyway,
(30:23):
we're gonna be right back here. Listen to Welcome Home
Show by Guardian Savings Bank on News Radio six thirty.
Speaker 1 (30:28):
Leav you're back.
Speaker 2 (30:30):
Listen to Welcome Home Show by Guardian Savings Bank. Tim Adams,
Larry Frank's in here this Saturday morning. Happy New Year.
We're glad to have you tuned into us. We appreciate
everybody listening. UK on the night at eight thirty at
Mississippi State so there on the road again. Took a
tough loss in Georgia the other night. It's gonna happen.
Secs tough now, it's gonna be a tough league. But
(30:50):
the pregame starts at six right here on six thirty WLAP,
So going and get that on your radio dial and
be ready for it. But uh, anyway, just give us
a call here to Bank eighty five nine eight nine
nine one nine three six. We've got all kinds of
different stuff we can talk about as far as debt consolidation,
using some of the equity, consolidate some of your bills.
We've got our first time home buyer loans out here
that are in pretty good shape, and just see if
(31:14):
we can get you qualified and get your headed down
in the right direction. So when your lease expires this spring,
or you're getting ready to make your next move on
your job or what have you, let's get your pre
qualified and get everything in shape so that you can
find a home and quit paying for something you're not
going to own, and home ownership pay for everybody, we
get it. But if you are interested in buying a home,
we'd like to be part of the plan and helping
(31:35):
you do that.
Speaker 1 (31:36):
We originate these loans for you.
Speaker 2 (31:37):
We're going to service all of our conventional stuff and
you know anything you know, once we do business with you,
we'll keep everything in here that we can. But then
you know, some of the government loans, we don't service them.
That's why the closing costs are different, and there's just
a different process on that. But any conventional stuff or
in house money, you're going to pay Guardian Savings Bank
the entire time. And I think that's a pretty handy
consequence for you know a lot of people here, Tim,
(31:59):
would have you been able.
Speaker 1 (32:00):
To stop in and make a payment.
Speaker 2 (32:01):
Sure, I mean that's a that's peace of mind for
a lot of the people I talked to that they've
been through the servicing turnstile where your loan's transferred and
you know, technically sold to another vendor who's going to
take the payments. But we've had a relationship with Freddie Mac,
our investor, for many, many, many years, and we are
(32:22):
a trusted agent for Freddie Mac. And that's the upper
echelon of lending, and we are local by local, we
keep the loan you pay us. That won't happen on
a Kentucky housing loan, but on all conventional lending through
Freddie Mac, you'll be paying Guardian Savings Bank. And yes,
(32:42):
you can walk right in and pay it once a
month if you want to, yep, then drive through the
teller right under a check get a receipt. YEA.
Speaker 1 (32:50):
I think you can give a mortgage plus checking account
if you open that up. They give you fifty bucks to.
Speaker 2 (32:55):
Open up a mortgage plus checking account. So I mean
we do have checking and say we talk about mortgages
and stuff on here all the time, and.
Speaker 1 (33:03):
We, uh, that's what we do. We don't do car loans,
boat loans or note loans.
Speaker 2 (33:06):
We just try to stay on top of it, try
to figure out what's going on in the market, what's
creating issues, where the rates are at, why they where
they're at, and what needs to change for them to
get lower or what people can expect. And it's kind
of a little cloudy right now. Tim lost stuff we
grew up on and being able to keep our finger
on the pulse of have disappeared. A lot of the
information is not as transparent as we thought it was.
(33:29):
But Nick, we kind of had a beat on it
for a long time and and now we keep an
eye on it. But it's uh, it's uh, you know,
that's what makes them the game fun for us because
it's always changing. Lower rates is more business, but still
we're still providing the service, doing good mortgages for people,
and that's that's what we're here to do. So what
type of loans you got in the pipeline? Now, sim
(33:50):
we got a few minutes left, we'll get off here.
Purchases and uh, some guy we wanted to use his
home here in Lexington to buy something in Florida. I
mean just you never know, you know, I had to
somebody wanting from Florida wanted to buy a second home
up here this week and started working on that.
Speaker 1 (34:05):
Some people is that they haven't bought a home in
a while.
Speaker 2 (34:07):
These delivery fees and stuff affiliated with these loans, now
it's a little bit of a shocker for people haven't
bought in a while, the delivery fees or it's kind
of hard to explain.
Speaker 1 (34:17):
How do you explain to your clients. Well, we discussed
that many times.
Speaker 2 (34:21):
It was supposedly a one time reimbursement for the two
thousand and eight and nine foreclosures that we had, you know,
that was the way of the government to recoup all
the losses they suffered.
Speaker 1 (34:35):
During that time. But it never did to go away,
and then it got a little worse after COVID.
Speaker 2 (34:42):
So I'm not sure the premise behind the fees, but
obviously we're looking you know, the more you have down,
the less expensive it is. Right, more down and great
credit scores will help and costs.
Speaker 1 (34:58):
But if you want to look at the.
Speaker 2 (35:01):
What's been happening here is the one year arm at
seven percent with you know what really a gut feeling
that you're gonna be able to refinance within twelve months. Yeah,
and we've been doing a lot of those and those
those loan closing costs are about eleven hundred bucks yep.
Speaker 1 (35:18):
So that includes the price yep.
Speaker 2 (35:21):
So that's a loan that you know, a lot of
people understand time and money are not afraid to take
the care of the thirty year fix is just an
insurance policy. Your rick's not going to change. But you
can do it three one arm or a one to
one arm. Why not, you know, save the money. Let's
keep an eye on the market and see what happens. Otherwise,
take to seven percent. That's just an insurance policy. You're
(35:41):
fixed for thirty years on that deal, you know. So
then your strategy is still the same, Right, You're exactly
to refiut with us when the time comes.
Speaker 1 (35:50):
Marry the home date the loan. That's all you want
to do. And that's just you know, some of the
freedom that you have.
Speaker 2 (35:55):
A lot of people don't realize that they can get
a home equi line of credit, they can do cash out,
they can refinance, and once again, if you are now
tight with credit card debt and you're paying twenty nine
or thirty percent on that. You want to do a
consolidation loan and let us see if we can put
some cash back in your pocket monthly, put four or
five bills into one, you know. Just give us a
call eight five, nine, eight, nine nine, one nine three six.
(36:15):
We'll take a look at it and makes sense, we'll
do it. If not, we won't, but we'll least have
a plan together and be able to evaluate some different
angles that you might be able to put into place
and save yourself some money. So that's what we're here
to do. Hey, don't forget. The Cats are on to
nine at eight thirty. Right here on six thirty WLAP
pre games at six o'clock or down Mississippi State on
the road again, so hopefully they'll get back on the
winning track. I hope everybody's having a good start to
(36:37):
the new year. We appreciate you tuning in to us,
listening to us. We missed you last week because the game,
but what a great game it was against Florida at home.
But anyhow, we appreciate you tuning into us. You have
been listening to Welcome Home Show by Guardian Savings Bank.
We are open today from.
Speaker 1 (36:50):
Nine to one.
Speaker 2 (36:51):
Phone numbers eight five, nine, eight nine nine one nine
three six. Southland Drive is eight five nine two sixty
three three three three five.
Speaker 1 (36:57):
So if you can hear what you can call us
have a great week.
Speaker 2 (37:00):
Ang List A welcome on show by Guardian Savings Bank
on News Radio six thirty, Hoping the Loldcast w LAP
be back next week
Popular Podcasts
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
24/7 News: The Latest
The latest news in 4 minutes updated every hour, every day.
Therapy Gecko
An unlicensed lizard psychologist travels the universe talking to strangers about absolutely nothing. TO CALL THE GECKO: follow me on https://www.twitch.tv/lyleforever to get a notification for when I am taking calls. I am usually live Mondays, Wednesdays, and Fridays but lately a lot of other times too. I am a gecko.