Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:05):
You won't even think to lift the weapon. Host show
about Guardian Savings Bank. I'm Larry Fris, Tim Adams with
us is Saturday one.
Speaker 2 (00:12):
We're glad to have you tuned into US.
Speaker 1 (00:14):
Bank is open today from nine to one when thembers
eighty five nine eight nine nine one nine three.
Speaker 2 (00:20):
Six South and Drive is eighty five nine two sixty
three three three three five. So if you can hear as.
Speaker 1 (00:25):
You can call us, be glad to talk to You've
still got our fifteen year eight special five eight seven
five five hundred dollars in closing thoss Key met in
mine and Tim. We don't talk about this a whole lot,
but you know we do have checking and savings and
CDs and so on and so forth, so you know
we don't ever be this is a real bank. This
(00:47):
isn't our long telephon for mortgages. And we talked a
little bit about the comedy and other things going on
in the world. But uh, I did want to throw
that out there, so please keep that in mind. We'd
be glad to entertain any of your refinancing needs for that.
You could use that five eight seven five five hundred
doors and closing costs on a fifteen year fix for
(01:09):
a refinance, and possible that we could do you know,
a purchase on it. Just depends on you know, the circumstances.
But that's not out of the realm of the possibilities. Tim,
you asked about that, and I checked on it, and
this is a rate special, so we have to check
on it and see. But seems like everything's going all right.
Speaker 2 (01:28):
Had done a lot.
Speaker 1 (01:29):
Of economic news come out this week to seem to
be working for our favorite car as the bond market coming.
Now we've got stuff cracking up overseas that may throw
a wrench in it, but we've the thirty year fixtion
is down to six point seven five, the twenties at
six and three eights, and then we got a fifteen
at five eight seven five. So you've been keeping it
(01:50):
on the news too. You got to be what do
you got to report on it?
Speaker 3 (01:54):
Well, uh, you know, given the fact of the of
where the rates are, even at six point seventy five,
there's still some hesitancy. And I was going to did
a little research on inventory of homes across the country,
and of course we paint a broad brush, not just
Fayette County, in central Kentucky.
Speaker 4 (02:15):
But when you look at some.
Speaker 3 (02:16):
Parts of the country, inventory has grown thirty three percent
more homes on the market than at this time last year.
So the supply has great enough now that the home
prices in most places are very sensitive and may draw
if Fuyer conditions get worse. So there's a lot of
(02:38):
homes out here sitting vacant for sale area that our
consumers can't close on because they can't qualify seven percent.
Speaker 2 (02:47):
Let's say.
Speaker 3 (02:49):
My point is that, you know, there's been a lot
of corporate banking executives really push them at lower interest
rates by the Fed, but the marks of their own
drummer and they are there's you know, they they haven't
been swayed by anyone's opinion, whether corporate or from the
White House or from anyone. So but I think that,
(03:14):
like you were just talking about, the culture is gradually changing.
Speaker 4 (03:17):
We saw some improvement this week.
Speaker 3 (03:19):
Of course, when when there's an act of war that
causes concern not only this overall uncertainty, but of course
the barely wall, you know, it immediately started spiking upwards.
So that means we may be paying more for gas
as a result of this initiation of attack from Israel
(03:40):
and I ran. So but anyway, that's just where do
we just try to leave it on the path that
you know, to marry the home and not the loan.
And we still think it's a good time to buy,
even at seven percent. But if we can turn this
tide with inflation and get rates back down into the fives,
let's say it's six seventy five on a thirty to day,
(04:03):
but it could be you know, about the first of
the week or next week going back up because of the.
Speaker 1 (04:07):
Actions over water. But you know, hopefully not and you're
exactly right tied. The inventory is sticking up. It's going
to become, you know, a little bit more of a
buyer's market for those that can afford to.
Speaker 2 (04:18):
The you qualified and do the stuff.
Speaker 1 (04:22):
And like you say, we keep preaching marry the home
date to loan, marry the home date to loan, and
the lower of these rates get guess what, the more
competition you have in trying to buy that home, right,
you know, So if you qualify at six seven five,
let's get something going.
Speaker 2 (04:36):
You know, you can refinance at any time.
Speaker 1 (04:38):
We like for you to keep the loan for six
months before you do anything.
Speaker 4 (04:42):
With us.
Speaker 1 (04:43):
But that's just because our closing costs are so cheap
and at that point we can break even. But we
don't have any prepayment penalties. Tim, you know, we've got
good programs. But you're exactly right. And the news is,
you know, it's the economy is in better shape.
Speaker 2 (04:59):
And the what you what you're going to hear on
the news.
Speaker 1 (05:02):
It seems, you know, it's it's part of raising the
rates and and doing what the Feds are doing is
to create unemployment. It's to slow growth and to slow
the purchasing and so on and so forth. And just
the news yesterday you saw that we got on unemployment
(05:24):
claims and it was different than what than what they're
saying job jobs are, you know, and it's it's it's
the right hand don't know what the left is doing.
And the BLS VERA Labor statistics is kind of throwing
a wrinkle.
Speaker 2 (05:41):
In some of this stuff.
Speaker 1 (05:42):
And I don't know how they do their math, but
I think we were I saw it one day this week, Tim,
maybe last week talked on him where they were off
the last quarter by about five hundred and fifty three
thousand jobs, you know, and they said we had that
we didn't really have and if that's the information that
the Fed has to go on, then you know, we
(06:02):
just had to eat it and go on until they can,
you know, make the proper adjustments. It's just it's frustrating.
But like on Thursday or Wednesday, Thursday it came out,
PPI was released.
Speaker 2 (06:18):
Consequently, there's been.
Speaker 1 (06:20):
Weeks in the past showing huge fights and claims, only
to come back down for the following week. The last
three weeks hour there's a different trend starting to emerge.
The report has shown an elevated number of planes in
the last three weeks in a row. On top of this,
continuing claims which people filing for extension on the unemployment
has gone from an average of around one point eighty
six million to one point nine to six million in
(06:43):
the past seven weeks.
Speaker 2 (06:44):
One hundred thousand doesn't sound like a lot in context.
Speaker 1 (06:48):
But look at the way it looks on a chart,
and of course they provide a chart. There's a pretty
scary trend now the PPI holds.
Speaker 2 (06:56):
The inflation report.
Speaker 1 (06:57):
Tracked pretty closely to the CPI report, shows prices rose
zero point one percent in May, which is less than
the zero point two percent expected.
Speaker 2 (07:07):
Okay, there, So they're saying that the inflation is in
better shape.
Speaker 1 (07:11):
So you know, all the information we're getting during the
week seems to be in our favorite and it's worked.
With the race being what they are, there's a lot
of reasons for them not to ignore that, in my opinion,
but they they do.
Speaker 2 (07:25):
I mean, I don't. I don't know how long they're
going to drag.
Speaker 1 (07:27):
This out, you know, like you say, they're they're interested
in making changes and making the rates better. But I
think a lot of people kind of decided that, you
know that six point seven five six eight seventy five
isn't bad because our applications are up, you know, my
you know, it's got a lot of stuff going on.
But and Tim, I didn't that report you got, I
(07:47):
haven't seen yet.
Speaker 2 (07:48):
I don't know.
Speaker 1 (07:49):
You know, thirty three percent more homes on the market
than there were last year.
Speaker 3 (07:54):
Further before, in Big County in January of twenty twenty five,
or inventory was down to seven hundred and fifty one
homes on the.
Speaker 4 (08:06):
Active or pending list.
Speaker 3 (08:09):
Today it's one thy one hundred active and pending.
Speaker 4 (08:15):
So we've seen an increase since.
Speaker 3 (08:17):
January of about three hundred plus homes that are on
the market for sale, and days on market has increased.
Speaker 4 (08:29):
Pretty significantly.
Speaker 3 (08:30):
You know, if there's thirty percent more homes than the market,
that means that the waiting period has gotten longer.
Speaker 4 (08:35):
Right, So that's just what's happening here in our backyard.
Speaker 3 (08:41):
Inventory has jumped from seven to fifty one to eleven
hundred in a matter of about you know, four months, right, Well,
kind of what's going on in our line of work.
Speaker 1 (08:55):
Last week we took thirty five applications for ten million.
This week company this week we got fifty eight applications
in for fifteen million. So you know, stuff still happening
that you know, is twenty three more this week than last.
Speaker 2 (09:09):
And you know, five million more dollars worth of.
Speaker 1 (09:11):
Loans now, people finding the homes now that they're qualifying.
Speaker 2 (09:16):
We've got rate locks and so on and so forth.
Let's see what happens.
Speaker 1 (09:18):
But I mean, there's action taking place out here. We
just don't want people to miss out on it. You know,
can't preach it enough that you know, marry the home,
date the loan and what's.
Speaker 2 (09:27):
The cost of do a refinance, sim rate.
Speaker 4 (09:30):
And term and you've got twenty five percent equity.
Speaker 3 (09:32):
The total cost is nine hundred and twenty five dollars,
and that includes appraisal, So that includes a recording fee,
that includes all the administrative costs that we incur. The
bank's able to pay some of your closing costs as
a seller or a lender credit. So on paper you
will see that it costs us more to do the REFI,
(09:53):
but we only charge you the five hundred bus appraisal,
two ninety or two fifty US see title exam and
closing doc prep fee. And then all totals, including that
mortgage recording is nine hundred and twenty five dollars.
Speaker 4 (10:09):
There you heard me right.
Speaker 2 (10:11):
So if you're.
Speaker 1 (10:11):
Saving two hundred and fifty dollars, how many months does
it take you to break break even?
Speaker 3 (10:15):
You get a department for the first month, so you're
basically even after the first month.
Speaker 2 (10:19):
If you look at it that way. Yeah. True, But if.
Speaker 4 (10:22):
Here, you know, that's what four months?
Speaker 1 (10:25):
Yeah, and that's what a lot of people. I had
a conversation with somebody again the other day. I said, well,
I was told I shouldn't do a Refin answer, I said,
I'm saving one percent, And I said, yeah, if you're paying,
you know, somebody online, you know, twenty two thousand dollars
for a refire thirteen or fourteen. I've seen all kinds
of crazy numbers from these people getting quotes offline, you know,
and they're there. Claim to fame is no out of pocket?
Speaker 2 (10:46):
Yeah? No out of pocket? Well, you know we're going
to get two fifty in an application fee.
Speaker 1 (10:51):
The rest of it will put in the loans. But
I mean it's going to cost you nine hundred and
eleven total plus if you're gonna asktro we'll.
Speaker 2 (10:56):
Set that up. That doesn't include that.
Speaker 3 (10:59):
Yeah, case in point at a customer that sent me
a something he had got into the mail from mister Cooper.
Speaker 4 (11:07):
And uh, you.
Speaker 3 (11:09):
Know, using that exact terminology read my ass now with
no out of pocket. I think the rate was at
six point six two five. But you can bet you're
paying an exorbitant selection of closing costs and being.
Speaker 4 (11:29):
Fooled by no out of pocket.
Speaker 3 (11:31):
No out of pocket doesn't mean they robbed you of
valuable equity.
Speaker 4 (11:36):
Larry, you know that.
Speaker 1 (11:37):
It does mean they're robbing he out of valuable equity
because they're just tricking a Hey, we're gonna take our
first break here of the morning, we're gonna be right back.
We're gonna talk get Rick Green on the phone. He's
with Sam Jam Production. They talk a little bit about
what's going on with this bluegrass Spirit of the Bluegrass
festival out there at the horse Park this weekend. But
we appreciate you tuning into us. Bank is open today
from nine to one. Phone numbers eight five, nine, eight, nine,
(11:59):
nine one nine three six South and drives eighty five
nine two six three three three three five. So if
you can hear as, you can haul us Tim Adam
and there we'll be right back here. Listen Welcome Home
Show by Guardian Savings Bank on News Radio.
Speaker 4 (12:12):
Takes thirty w lap all right back.
Speaker 1 (12:16):
Listen Welcome Home Show about Guardian Savings Bank, thirty breaks.
Speaker 2 (12:19):
Tim Adams in here with you this morning. Glad to
have you tuned in to us.
Speaker 1 (12:22):
We'll get Rick Green on the phone here in a
little bit spirit of the bluegrass Sam Jam Productions out
there at the horse Parks. You get the chance to
get out for the weather. I'll hold out for you,
take you a poncho or whatever. But some good music
going on out there. Banks over to day from nine
to one numbers.
Speaker 2 (12:37):
Eight five, nine, eight, nine, nine, one nine.
Speaker 1 (12:39):
Three six south and drives eighty five nine two six
three three three three five. So if you can hear
as you can call us talking a little bit about
rates and some of the stuff going on in the economy,
and Kim.
Speaker 2 (12:51):
I'll tell you.
Speaker 1 (12:53):
Verse six point seven five on a thirty year fix
today and hopefully it'll it'll hold down over the rest
of the weekend and into next week.
Speaker 2 (12:59):
The bond mark.
Speaker 1 (13:00):
It's been working in our favorite and you know, you
get something going on overseas between Israel and Iran, and
it could affect the market pretty quickly, and hopefully we'll
see what happens, but hopefully it doesn't, but highly possible
that they could and it would so, but anyway.
Speaker 2 (13:17):
Take advantage of it.
Speaker 1 (13:18):
Six seven five on a thirty year fix, six and
three eighths on a twenty year fix, and five point
eight seven five on a fifteen year fix and the
fifteen year special five hundred dollars and closing costs. We
were just talking about nine to eleven for a standard refive,
but they got a special on the fifteen.
Speaker 2 (13:35):
Year five eight seven five. It's only five hundred.
Speaker 1 (13:37):
Bucks and then that doesn't cover your scros. But that's
not a bad deal at all, So just keep that
in mind. But I've been working on some claims this week, Tim.
You know, we service these loans, so when people have
an insurance claim or something with their homes and with
crazy weather and stuff we've had, I've learned a lot
about this this week and had my first one ever
(14:00):
that was from a flood insurance plane. And it's a
little bit of a different bear, and you know, we
don't you know, as the weather goes through and different
things happen. I've seen people that had, you know, a
toulet overflow or washing machine or dishwasher or what have
you and make a claim. But these people had flood
(14:21):
insurance on a second home. And it's just crazy how
the insurance works because it only covers from the floor
joist up, so anything below the floor joists the guy
is responsible for on his own.
Speaker 2 (14:31):
And I think that's pretty wild. It's the type of
policy that you had, it's the type.
Speaker 1 (14:35):
It was required, and it's just a different setup than
what you would have from your standard insurance company for
your personal residence that's in heartland or over it end
over or something like.
Speaker 2 (14:45):
That, you know.
Speaker 1 (14:46):
So it's been fight a learning curve for me on
that and anything that's in a flood zone is required
to have it. We checked every home, every loan that
we do to see the flood certification on it. That's
part of what we absorbed in costs. But pretty amazing
to see coverage on something with flood insurance that's just
from the floor joice up.
Speaker 2 (15:06):
It's an AE policy. There's different types of policies.
Speaker 1 (15:09):
But anything blow that floor joys, any insulation, any foundation,
any water heaters, any air conditioning. On me, some of
the stuff, you're just like what, So that was learning
curve for me. But I guess if you're going to
buy and you know you're going to be in the
flood zone, those are things you need to be aware of.
And in my the ilustrious, i don't know, thirty five
(15:31):
forty year career, doing these loans first one I've ever
seen or had to deal with. And it's been quite
a learning experience, man. And I know that Tim, you've
probably seen a few claims come through the office, but
they's changed the way that we have to try to
handle them. And I've been hands on all week working
on it's fund crazy.
Speaker 4 (15:50):
Yep.
Speaker 3 (15:53):
That's still called service after the sale aarry and most businesses,
and that's what.
Speaker 4 (15:58):
You get with us.
Speaker 1 (15:59):
Yeah, yeah, And it's uh, you know, it's been a
learning experience. I told you guys, I said, listen, I've
never worked on a plane like this, but I hate
that you're paying the tuition for my lesson. But we're
going to figure this out and get through it. And
he's learning too. But pretty crazy. And you know, there's
a lot of it going on out here with the
weather that we've had and the crazy things that you
(16:20):
know that happen to people's properties with trees falling or
tail damage or you know, water damage or what have you.
So but he's in there, we're working with him, we're
getting through it. And that's the part of what you're
you know, Guardian Savings Bank, we service these loans. That's
why the closing costs are what they are. And and
he can come in and he's been at the desk
a couple of times this week bringing paperwork, trading information,
(16:43):
talking to the agent, talking to the adjusters and you know,
all involved helping him get everything, taking care of that
he needs. And that's part of what you get at
Guardian Savings Bank. And that's what we sell our you know,
services on is our servicing of the loans and taking
care of the people. And that's the way it's always been,
the way it's gonna be. So learning we're getting it.
(17:05):
But hey six seven five on a thirty or fixt
six and three eights on a twenty five et seven
five on a fifteen. We're gonna take another break, be
right back. But the banks open a day from nine
to one pH on numbers eight five, nine, eight nine, nine,
one nine three six Here at Hamburg South and Drives
eight five nine two six three three three three five.
Speaker 2 (17:23):
If you can hear, you can you can call us.
Speaker 1 (17:25):
We're gonna give old Rick Green a call with Sam
Jam Productions here in a minute. They're after that spirit
at the Blue Dress, so we'll hollered him, get him
on the phone.
Speaker 2 (17:32):
But we're gonna be right back. Your listen to Welcome
Home and Show by Guardian Savs Bank on News Radio
six thirty of LA Here Right Bank is a.
Speaker 1 (17:40):
Welcome Home Show by Guardian Savings Bank and Adam Glary
Frakes in here this Saturday morning, we finally got Rick
Green on the phone.
Speaker 2 (17:47):
We'll chat with Tim in this second.
Speaker 1 (17:49):
It's one of the reminder banks open today from nine
to one. One numbers eight five, nine, eight nine nine
one nine three six South and drive is eighty five
nine two six three three three five.
Speaker 2 (18:00):
So if you can hear as you can cos us
thirty or fixed.
Speaker 1 (18:04):
Six point seventy five, twenty years, six and three eighths,
fifteen years, five eighty seven fine, and we've got a
special on it. We're just five hundred dollars in closing costs,
so keep that.
Speaker 2 (18:13):
In mind if we can save you some money.
Speaker 1 (18:15):
And Tim's talking a little bit earlier about thirty three
percent more homes on the market right now than the
worry a year ago, so keep.
Speaker 2 (18:21):
That in mind. Get qualified, get out and get your
shopping on. If you're so.
Speaker 1 (18:25):
Inclined, we let get your preapproved and help you get
everything put together.
Speaker 2 (18:30):
And we appreciate the opportunity to do that.
Speaker 1 (18:32):
But we mentioned a couple of times the Spear of
the Bluegrass. You've heard the commercial running on the show
here last couple of weeks. But we've got Rick Green
on the phone with us, and he's part of the
sam Jam production crew up there and he's taking some
time out to get on the phone here with us
and fill us in on what's going on out there today.
Speaker 2 (18:49):
And you got it so.
Speaker 1 (18:50):
Infined to get out and go listen to some good
bluegrass music and he can fill us in on what's
going on.
Speaker 2 (18:55):
Rick. Has your day going so far? It's great.
Speaker 5 (18:58):
We've had a great festival out.
Speaker 4 (19:00):
Here, Larry.
Speaker 5 (19:00):
I mean it's uh, you know, this is the third
year that we have sort of reinfigurated the Festival of
the Bluegrass, which was here for forty six years and
stopped as a result of COVID.
Speaker 6 (19:13):
This is the third year.
Speaker 7 (19:14):
That we've done it and it continues to grow.
Speaker 2 (19:16):
Uh.
Speaker 5 (19:17):
And yeah, that's what we're seeing in just two great
days of music so far, and we're ready.
Speaker 6 (19:23):
For It's an unbelievable line up here today on Saturday.
Speaker 2 (19:27):
Who all is?
Speaker 1 (19:28):
Who all's going on today? What time do they start?
How much it cost to give in? And main thin
Pinky wants to know, Tim n is my radio partner.
How much of the beers this year?
Speaker 5 (19:37):
Yeah, so we'll just start with it's a seventy five dollars,
but that is for you know, that is for five
of the eight less bluegrass, you know, acts.
Speaker 6 (19:47):
And artists you know, in the in the genre.
Speaker 5 (19:51):
Also like we do as you mentioned, we have a
we have a one hundred and twenty foot beer garden
tent where we sell garage here for for an hour,
and we have some other h o expirits and so forth.
But yeah, it's a it's a festive event.
Speaker 2 (20:07):
Uh.
Speaker 5 (20:07):
But what we love about our shows is that what
we love about our shows is that you know, in
the afternoon all through the evenings, you can see you know,
you can see kids.
Speaker 7 (20:17):
Running around playing, and you know, and then you know, we.
Speaker 5 (20:21):
Also have uh, you know, of course bigger gardens, so
it's a it's a safe environment. We have a great
security team here and it's uh, it's really a uh
that's part of the basics of running a festival. You know,
you have to have uh, you know, people have to
feel safe. They do feel safe the grounds here at
the Kentucky Horse Park or just.
Speaker 6 (20:40):
Second none anywhere in the world.
Speaker 5 (20:43):
And uh so yeah, for for all of those reasons
are more like it's a it's a great environment to
you know, to bring your family and uh, you know,
if you like little grass, it speaks for itself.
Speaker 6 (20:55):
If you're new to blue grass, it's.
Speaker 7 (20:57):
The kind of event that, uh, you can't have to experience.
Speaker 5 (21:01):
Uh, you know, we need to see bluegrass music wives
And we tell people if you ever come to any
of our shows one time and age Yeah.
Speaker 1 (21:09):
And obviously Tim and I are doing it and we're
stationary and Rick's doing it from out there to Kentucky
Horse Park.
Speaker 2 (21:14):
So, but the.
Speaker 1 (21:16):
Reception might be a little different than what we're used
to having. But if you, you know, listen closely with
he's he's you know, he's he's he's mobile and we're setting.
So but uh so what times the shows start to
see today and what what time will they end?
Speaker 6 (21:33):
Yeah, so we go at one o'clock.
Speaker 5 (21:36):
Uh, and that begins with Schultz Creek and then you know,
Schultz Creek is followed by Dave Atkins and Mountain Soul,
and then it's the Creekers, which is a you know,
a man that's coming on the scene that is really
really a hot band right now there you're going to
be hearing about them on a lot of different platforms.
(21:58):
And then of course we have this Steel Drivers, which
of course was the band that uh you know, Chris Tapleton.
Speaker 6 (22:04):
Was part of uh, you know, early in his career.
Speaker 5 (22:07):
And you know, many of those members are of course
still in the band. And you know a lot of
the songwriters, the songs that are that are known as
stables and you know, pieces of work. Those folks are
still in the band and they are tremendous. They are
always a crowd pleaser. And then you know, Creakers were
actually close to show back to the steel Drivers and
(22:29):
so we're you know, it's it really is a loaded
mine out today, but but we take it off at
one o'clock and you know, and so.
Speaker 6 (22:37):
We're looking for Uh.
Speaker 5 (22:39):
The one thing I mentioned to is like, you know,
that's why we have one hundred and twenty part and if.
Speaker 6 (22:44):
We do happen to get a little bit.
Speaker 7 (22:45):
Of rain, we like to keep everything outside. But if nothing.
Speaker 5 (22:48):
Happens to if we do get a little bit of rain,
we can only there's the production.
Speaker 7 (22:51):
Inside the tent.
Speaker 6 (22:53):
Uh.
Speaker 5 (22:53):
We have a separate time system there in addition to
our main stage, so we have contingency if.
Speaker 6 (22:58):
It rains a little bit, you know, brokeal that. You know,
we can keep.
Speaker 5 (23:02):
Everything outside, but you know, if it gets where it's
a little bit uncomfortable, we can always go inside the tent,
but the show marches on.
Speaker 2 (23:09):
Yep, we appreciate it. Well listen, I know you guys
are busy.
Speaker 1 (23:11):
I appreciate you taking our Paul taking time to speak
with us, and you know, we appreciate being able to
support it and work in conjunction with you guys promote
good music in the bluegrass and people coming to town
and and enjoying the horse park and visiting in Lexington.
So I know you guys do one in the uh
in in like February as well out the Clarion.
Speaker 2 (23:30):
So we'll get back with that, but we'll be out
there to seeing a little loft him and I the
the dollar beers sound good to me. The music is
always good. So if we can stay dry, we'll be
right there. Yeah, that's fantastic.
Speaker 5 (23:41):
My you know, my business partner Sam car and I
we you know, we we always just.
Speaker 7 (23:45):
Try to keep it pretty simple, right.
Speaker 5 (23:47):
We want to make sure that anybody that comes through
our gates, whether that's a sponsor or a fan, or
a volunteer or the artist, that any everybody that.
Speaker 6 (23:57):
Comes through our gates walk out feeling like.
Speaker 5 (24:00):
They were treated professionally and have a good experience. So
that's what we're all about, uh you know, and so
we uh you know, we feel like we've got to
get that option here for folks, and we'll certainly do
our best to make sure we've put on a frustrat.
Speaker 2 (24:14):
Event here and like them, and we try to.
Speaker 6 (24:17):
Do our parts continue this great tradition here at the
Kentucky Boards.
Speaker 1 (24:20):
Yeah, well, thanks for letting us all and picked on
you a little bit. I know you guys got a
lot going on, so we'll see you out there a
little while. So, uh well, we we appreciate you taking
the time, Rick, and we'll be we'll we'll see you guys.
Speaker 2 (24:33):
Out there shortly.
Speaker 6 (24:34):
All right, Thank you guys too.
Speaker 2 (24:36):
All right, takes here, Okay, go back, yep.
Speaker 1 (24:40):
He uh obviously he's out there working and we're doing
the radio show from a different location.
Speaker 2 (24:45):
I'm glad he took the calls.
Speaker 1 (24:46):
A little little different reception on it, and but basically
the show starts at one today, five acts, seventy five bucks.
But there's some big name bluegrass artists.
Speaker 2 (24:54):
Out there and they take they do take good care
of it.
Speaker 1 (24:56):
They'll have some food vendors and and I like to
you know, it cracked me up.
Speaker 2 (25:00):
First couple of years, I went out there and.
Speaker 1 (25:02):
All the beers they are a dollar and I asked him,
I said, Colleen, man, how you He said, Man, we
just want to We're just we want everybody come out
and have a good time, and we want to be
affordable for everybody.
Speaker 2 (25:12):
And you know they and even that being the case, Tim,
you and I've.
Speaker 1 (25:16):
Been out there, and I mean with a den like that,
there's not anybody getting out of hand drinking thing. You know,
everybody's sitting around watching the show and dancing and and
there's there's people everywhere, and they dealt with the weather
before and they've got it set up so that, as
he said, the show will go on. But if you're
looking for something to do and you want to hear
some good blow grass and you haven't bought a ticket yet,
it's a good opportunity. And then I know the sevening
(25:38):
at Austin City, eight Days Sobers playing so after, I
mean their show will be done way before Eight Days
Sober gets started over at Austin City, So that's another option.
I don't know what else is going on around town, Tim,
you got a clue on anybody else.
Speaker 2 (25:52):
Out playing this weekend?
Speaker 4 (25:55):
I know not to my knowledge.
Speaker 3 (25:56):
I know I'll be watching some of the College World Series,
which begins.
Speaker 4 (26:00):
Uh the game yesterday, So.
Speaker 3 (26:02):
Yeah, Baseball and the US Open.
Speaker 1 (26:06):
Yeah, I guess the World Series is kind of unique
this year. There's not a returning team for the first
time in many many years. And I was glad to
see Murray State. You didn't Louis was in it, But
there's no teams in it there were in last year.
Speaker 2 (26:18):
I thought that was kind of a unique fact about it.
Speaker 1 (26:21):
And I guess that the course that they're playing on
in the golf is tough. You have to say the police,
have you been keeping up with it?
Speaker 2 (26:31):
I'm sure you have.
Speaker 3 (26:32):
Cot Uh, it is tough, and the rough is rough,
and if you if you're not precise and you don't
get it in the fairway, you got all kinds of problems.
So I saw a photo of Rory McIlroy. One of
his balls landed in like thigh high weeds. So it's
(26:53):
kind of a wild West of golf. Looks like Larry
and even Tiger Woods chimed in to say that you know,
you better better bring your a game and we haven't
seen a lot of players under par so they set
it up that way and we'll see the best man win.
Speaker 4 (27:08):
They're all playing the same course.
Speaker 2 (27:09):
So yeah, yep, and that's the way it is. Yep. Yeah,
I mean it's uh.
Speaker 1 (27:16):
I knew that they had it set up tough, and
I'd heard some of the same stuff and seem a
little bit on the ESPN and I was like, holy mackerel,
that's looking pretty rough right there. But they were putting
from one hundred and twenty yards and you know, one
hundred yards.
Speaker 2 (27:31):
And that was pretty crazy.
Speaker 1 (27:33):
But uh, you know, if you have a chance of
gott and visit Spiritual Bluegrass out there.
Speaker 2 (27:36):
If the weather holds up, get out there and check
those guys out.
Speaker 1 (27:39):
And they, like I said, they do another on now
have the player you on and I think February. And
they do a good job putting their shows together.
Speaker 2 (27:45):
They always have.
Speaker 1 (27:45):
Professional acts of steel drivers obviously you're familiar with them,
and Rick Stapleton or Chris.
Speaker 2 (27:50):
Stapleton h connection. And like I said, tonight.
Speaker 1 (27:55):
Out at the Austin City eight Day Sober be out
there and they always put on a good show. So
keep that in mind. But and then once again, now
we we you know rates.
Speaker 2 (28:07):
Are you know a little better than they have been there,
better than they.
Speaker 1 (28:09):
Were last week, six seven five on a thirty year
fix six and three eights on a twenty year and
five eight seven five on a fifteen The home possible
that we have that is six point nine to nine
percent and that's you know, a loan that is a.
Speaker 2 (28:28):
Special loan for home buyers.
Speaker 1 (28:31):
There's some qualifications that are met on that thing. But
that's not a bad deal either. It's got It was
seven and a quarter last week, tim, Yeah, so you
know it's falling into place. And KACS that's the rates
on that. That's a Kentucky housing program.
Speaker 8 (28:45):
So you been saying where you look at the rates
for our FAJ programs, you know there's six and a
half for FAHA and v A six point two five
for a USD A one hundred percent loan there and those.
Speaker 3 (29:01):
Aren't available in Fat County, but they are in the
outlying counties.
Speaker 4 (29:05):
So I mean, you gotta think long and hard. If
you're a first time buyer.
Speaker 3 (29:09):
Maybe you can't qualify at six and a quarter. So
don't don't just count yourself out.
Speaker 2 (29:13):
Give us a.
Speaker 3 (29:14):
Call with a little phone call and man, let's play
your credit right away and let's just talk about your scenario.
Speaker 4 (29:19):
That's allful free.
Speaker 1 (29:21):
It is absolutely and you know, just give us a
call unless you know, evaluate the situation. Get your pre
qualified is the main thing, and then we can go
from there. We're gonna take another break. Bank is open
to day from nine to one. Phone number here in
hamburgs eighty five nine eight nine nine one, nine three
six half the drive is eight five nine two six
(29:43):
three three three three five.
Speaker 2 (29:45):
So you be open to day for nine to one.
Obviously give us a call for your pears. You could
call us. You are listening to.
Speaker 1 (29:51):
A welcome home show by Guardian Davi's back today on news.
Speaker 2 (29:54):
Radio six point thirty w LAP and.
Speaker 1 (29:59):
We'll be ready a welcome home show about Guardian Savings Bank.
Tim Adams Franks in here this Saturday morning. Appreciate you
tuning in to us. Hope we're educating a little bit.
Thanks Rick Green for taking our call. He's with Sam
Jam Productions. They got the spirit of the bluegrass going
on out the Kentucky Horse Park today, so you have
there and check that out. Banks over to day from
nine to one on them is eighty five nine, eight
(30:21):
nine nine one nine three six South and drive is
eight five nine two six three three three three five.
Speaker 2 (30:27):
So if you can hear us, you can call be
glad to talk to me about it.
Speaker 1 (30:33):
We just talked a little bit about rates and some
of the different programs and some of the different stuff
we got going on. Seems to be plenty of houses
on the market, which leads me to believe that people
are going to be more competitive in sales price them
even though rates are what they are.
Speaker 2 (30:48):
And people have adjusted to them.
Speaker 1 (30:49):
If there's more homes now and they're longer on the market,
people become a little more aggressive, but their price.
Speaker 2 (30:56):
Is kind of where it works are is? Is that
the way you see it? Help supply?
Speaker 3 (31:01):
Man, if all was a realtor, you know, I all
want to see that thing sold. So yeah, you may
have to sharpen up your pencil. So, as we've discussed,
prices may not be going up. You may maybe we
may be going into a buyer's market here by the
data I'm seeing that, Larry, and we didn't think that
earlier last month or last month. We thought home prices
(31:24):
might continue to rise if but rates haven't come down yet.
So when race did come down, it may become a
seller's market again, Yeah, and you have if you have
an option, and you have an aggressive seller and a
good realtor, and everybody's in line to take care of
business you have. You know, until you get three percent
(31:45):
towards closing costs and free page, you could buy your
rate from six point seventy five to six in a quarter.
If the seller's willing to participate with some of it
for two point five percent of what your loan amount is,
you could go from seven six point seventy five to
six and half or for one point five of.
Speaker 2 (32:01):
The of the points.
Speaker 1 (32:04):
And you know, some sellers are aggressive enough they'll pay
three percent towards closing costs or prepaids. And if your
realtors and savvy enough, they'll help you negotiate that in
if you truly need it for closing costs. And that's
what it needs to be because you can always refinance.
I'm not big on buying the rate down, but if
it helps you get qualified and save you some money, then.
Speaker 2 (32:22):
Obviously then that's the route that we want to go
with it. So you can, you.
Speaker 1 (32:25):
Know, negotiate those things in on a twenty year, you
could get to well on the fifteen year, Okay, so
we're five eight seven five. It's five hundred bucks. So
on the fifteen year, you could go to five seven five,
which is an eight different from one point.
Speaker 2 (32:41):
You can get to five and a half or two points.
Speaker 1 (32:42):
So depending on what you're doing, if you've got to
wherewithal with yourself and or your you're the person selling
you the home, and you can negotiate it. We can
try to save you some money right off the jump,
and if you you're happy with that and want to
do it, go ahead.
Speaker 2 (32:56):
If you want to use.
Speaker 1 (32:57):
The money for closing costs, that's an option to but
keep that in mind. So we tried to be as
creative as we can with the numbers we've got to
work with and the opportunities that are presented to us.
And and we'll do it until you mentioned earlier faha,
b A, us DA, Kentucky Housing and you know we
(33:20):
do them all. So uh, first time home buy our
programs we got them. So uh, just you know, if
you want to call and get pre qualified. Ten said,
we don't always have to pull a credit report. If
you are serious about it, we're gonna pull one because
we need to figure out your debt. We need to
make sure everything's going on, what coming and going, get
your debt in come and put in place, and see
(33:41):
what loan programs you qualified for. And you know that's
part of the process, is putting it all together.
Speaker 2 (33:47):
So we're here to help and make things right and
do it. And we appreciate the business that we get.
Speaker 1 (33:52):
But eight five nine, eight nine, nine one nine three
six Out and drives eight five nine two six three
three three three five. Let's the radio show. Rates seem
to be coming down. I want to get pre qualified,
That's all you got to say. They'll hook you up
with ten or I hopefully if you're not asking for
one of the other loan officers, we'd be glad to
help you and you'll get good service. And and like
(34:13):
I say this, this past week, I've been working with
people on insurance claims and as I'm sitting here right
now working on the radio show, got a got a
request here to work with with another one. So I'll
take care of that today and we'll go from there.
So we'll just keep on keeping on with that.
Speaker 2 (34:28):
But we appreciate you tuning in to us. You know
we're by local. Be local and stay locals.
Speaker 1 (34:34):
What I like to say and that's what you're doing
at Guardian Savings Bank, and Tim, I know that's the
way you feel about it too, and that's the way
you like to do business.
Speaker 4 (34:40):
Absolutely, And.
Speaker 3 (34:43):
You know we're a community bank. We've talked about that often,
but you're not you're not helping our community if you're
dealing with the rocket mortgage right exactly.
Speaker 1 (34:53):
I mean they're gonna you're gonna be dealing with the local.
By local and stay local. We all live here and
our kids are here. We do everything here, use local people.
So anyway, we appreciate you tuning into the show. If
you get a chance to get out, check out the
Spirit of the Bluegrass or later on.
Speaker 2 (35:07):
This sevening if you're so in, find you.
Speaker 1 (35:09):
Out to Austin City Saloon over and check out eight
Days Sober. My buddy's over there put on a good
show for you. If you're hanging out and looking for
something to do. Thanks over Day for nine to one
Oneimer's eighty five nine eight nine nine one nine three
six South and Drives eighty five nine two sixty.
Speaker 4 (35:25):
Three three three three five.
Speaker 2 (35:27):
Appreciate Rick Green taking our call, visiting with us, and
we'll catch him next time. He's in town.
Speaker 1 (35:31):
Tim, have a good one. Appreciate you listening today. You've
been listening to Welcome Home Show by Guardian Safeties Bank
on news Radio six thirty.
Speaker 4 (35:39):
I try to hear on the homolog catch w LAB.
Speaker 2 (35:43):
We'll be back next Saturday.
You won't even think to lift the weapon. Host show
about Guardian Savings Bank. I'm Larry Fris, Tim Adams with
us is Saturday one.
Speaker 2 (00:12):
We're glad to have you tuned into US.
Speaker 1 (00:14):
Bank is open today from nine to one when thembers
eighty five nine eight nine nine one nine three.
Speaker 2 (00:20):
Six South and Drive is eighty five nine two sixty
three three three three five. So if you can hear as.
Speaker 1 (00:25):
You can call us, be glad to talk to You've
still got our fifteen year eight special five eight seven
five five hundred dollars in closing thoss Key met in
mine and Tim. We don't talk about this a whole lot,
but you know we do have checking and savings and
CDs and so on and so forth, so you know
we don't ever be this is a real bank. This
(00:47):
isn't our long telephon for mortgages. And we talked a
little bit about the comedy and other things going on
in the world. But uh, I did want to throw
that out there, so please keep that in mind. We'd
be glad to entertain any of your refinancing needs for that.
You could use that five eight seven five five hundred
doors and closing costs on a fifteen year fix for
(01:09):
a refinance, and possible that we could do you know,
a purchase on it. Just depends on you know, the circumstances.
But that's not out of the realm of the possibilities. Tim,
you asked about that, and I checked on it, and
this is a rate special, so we have to check
on it and see. But seems like everything's going all right.
Speaker 2 (01:28):
Had done a lot.
Speaker 1 (01:29):
Of economic news come out this week to seem to
be working for our favorite car as the bond market coming.
Now we've got stuff cracking up overseas that may throw
a wrench in it, but we've the thirty year fixtion
is down to six point seven five, the twenties at
six and three eights, and then we got a fifteen
at five eight seven five. So you've been keeping it
(01:50):
on the news too. You got to be what do
you got to report on it?
Speaker 3 (01:54):
Well, uh, you know, given the fact of the of
where the rates are, even at six point seventy five,
there's still some hesitancy. And I was going to did
a little research on inventory of homes across the country,
and of course we paint a broad brush, not just
Fayette County, in central Kentucky.
Speaker 4 (02:15):
But when you look at some.
Speaker 3 (02:16):
Parts of the country, inventory has grown thirty three percent
more homes on the market than at this time last year.
So the supply has great enough now that the home
prices in most places are very sensitive and may draw
if Fuyer conditions get worse. So there's a lot of
(02:38):
homes out here sitting vacant for sale area that our
consumers can't close on because they can't qualify seven percent.
Speaker 2 (02:47):
Let's say.
Speaker 3 (02:49):
My point is that, you know, there's been a lot
of corporate banking executives really push them at lower interest
rates by the Fed, but the marks of their own
drummer and they are there's you know, they they haven't
been swayed by anyone's opinion, whether corporate or from the
White House or from anyone. So but I think that,
(03:14):
like you were just talking about, the culture is gradually changing.
Speaker 4 (03:17):
We saw some improvement this week.
Speaker 3 (03:19):
Of course, when when there's an act of war that
causes concern not only this overall uncertainty, but of course
the barely wall, you know, it immediately started spiking upwards.
So that means we may be paying more for gas
as a result of this initiation of attack from Israel
(03:40):
and I ran. So but anyway, that's just where do
we just try to leave it on the path that
you know, to marry the home and not the loan.
And we still think it's a good time to buy,
even at seven percent. But if we can turn this
tide with inflation and get rates back down into the fives,
let's say it's six seventy five on a thirty to day,
(04:03):
but it could be you know, about the first of
the week or next week going back up because of the.
Speaker 1 (04:07):
Actions over water. But you know, hopefully not and you're
exactly right tied. The inventory is sticking up. It's going
to become, you know, a little bit more of a
buyer's market for those that can afford to.
Speaker 2 (04:18):
The you qualified and do the stuff.
Speaker 1 (04:22):
And like you say, we keep preaching marry the home
date to loan, marry the home date to loan, and
the lower of these rates get guess what, the more
competition you have in trying to buy that home, right,
you know, So if you qualify at six seven five,
let's get something going.
Speaker 2 (04:36):
You know, you can refinance at any time.
Speaker 1 (04:38):
We like for you to keep the loan for six
months before you do anything.
Speaker 4 (04:42):
With us.
Speaker 1 (04:43):
But that's just because our closing costs are so cheap
and at that point we can break even. But we
don't have any prepayment penalties. Tim, you know, we've got
good programs. But you're exactly right. And the news is,
you know, it's the economy is in better shape.
Speaker 2 (04:59):
And the what you what you're going to hear on
the news.
Speaker 1 (05:02):
It seems, you know, it's it's part of raising the
rates and and doing what the Feds are doing is
to create unemployment. It's to slow growth and to slow
the purchasing and so on and so forth. And just
the news yesterday you saw that we got on unemployment
(05:24):
claims and it was different than what than what they're
saying job jobs are, you know, and it's it's it's
the right hand don't know what the left is doing.
And the BLS VERA Labor statistics is kind of throwing
a wrinkle.
Speaker 2 (05:41):
In some of this stuff.
Speaker 1 (05:42):
And I don't know how they do their math, but
I think we were I saw it one day this week, Tim,
maybe last week talked on him where they were off
the last quarter by about five hundred and fifty three
thousand jobs, you know, and they said we had that
we didn't really have and if that's the information that
the Fed has to go on, then you know, we
(06:02):
just had to eat it and go on until they can,
you know, make the proper adjustments. It's just it's frustrating.
But like on Thursday or Wednesday, Thursday it came out,
PPI was released.
Speaker 2 (06:18):
Consequently, there's been.
Speaker 1 (06:20):
Weeks in the past showing huge fights and claims, only
to come back down for the following week. The last
three weeks hour there's a different trend starting to emerge.
The report has shown an elevated number of planes in
the last three weeks in a row. On top of this,
continuing claims which people filing for extension on the unemployment
has gone from an average of around one point eighty
six million to one point nine to six million in
(06:43):
the past seven weeks.
Speaker 2 (06:44):
One hundred thousand doesn't sound like a lot in context.
Speaker 1 (06:48):
But look at the way it looks on a chart,
and of course they provide a chart. There's a pretty
scary trend now the PPI holds.
Speaker 2 (06:56):
The inflation report.
Speaker 1 (06:57):
Tracked pretty closely to the CPI report, shows prices rose
zero point one percent in May, which is less than
the zero point two percent expected.
Speaker 2 (07:07):
Okay, there, So they're saying that the inflation is in
better shape.
Speaker 1 (07:11):
So you know, all the information we're getting during the
week seems to be in our favorite and it's worked.
With the race being what they are, there's a lot
of reasons for them not to ignore that, in my opinion,
but they they do.
Speaker 2 (07:25):
I mean, I don't. I don't know how long they're
going to drag.
Speaker 1 (07:27):
This out, you know, like you say, they're they're interested
in making changes and making the rates better. But I
think a lot of people kind of decided that, you
know that six point seven five six eight seventy five
isn't bad because our applications are up, you know, my
you know, it's got a lot of stuff going on.
But and Tim, I didn't that report you got, I
(07:47):
haven't seen yet.
Speaker 2 (07:48):
I don't know.
Speaker 1 (07:49):
You know, thirty three percent more homes on the market
than there were last year.
Speaker 3 (07:54):
Further before, in Big County in January of twenty twenty five,
or inventory was down to seven hundred and fifty one
homes on the.
Speaker 4 (08:06):
Active or pending list.
Speaker 3 (08:09):
Today it's one thy one hundred active and pending.
Speaker 4 (08:15):
So we've seen an increase since.
Speaker 3 (08:17):
January of about three hundred plus homes that are on
the market for sale, and days on market has increased.
Speaker 4 (08:29):
Pretty significantly.
Speaker 3 (08:30):
You know, if there's thirty percent more homes than the market,
that means that the waiting period has gotten longer.
Speaker 4 (08:35):
Right, So that's just what's happening here in our backyard.
Speaker 3 (08:41):
Inventory has jumped from seven to fifty one to eleven
hundred in a matter of about you know, four months, right, Well,
kind of what's going on in our line of work.
Speaker 1 (08:55):
Last week we took thirty five applications for ten million.
This week company this week we got fifty eight applications
in for fifteen million. So you know, stuff still happening
that you know, is twenty three more this week than last.
Speaker 2 (09:09):
And you know, five million more dollars worth of.
Speaker 1 (09:11):
Loans now, people finding the homes now that they're qualifying.
Speaker 2 (09:16):
We've got rate locks and so on and so forth.
Let's see what happens.
Speaker 1 (09:18):
But I mean, there's action taking place out here. We
just don't want people to miss out on it. You know,
can't preach it enough that you know, marry the home,
date the loan and what's.
Speaker 2 (09:27):
The cost of do a refinance, sim rate.
Speaker 4 (09:30):
And term and you've got twenty five percent equity.
Speaker 3 (09:32):
The total cost is nine hundred and twenty five dollars,
and that includes appraisal, So that includes a recording fee,
that includes all the administrative costs that we incur. The
bank's able to pay some of your closing costs as
a seller or a lender credit. So on paper you
will see that it costs us more to do the REFI,
(09:53):
but we only charge you the five hundred bus appraisal,
two ninety or two fifty US see title exam and
closing doc prep fee. And then all totals, including that
mortgage recording is nine hundred and twenty five dollars.
Speaker 4 (10:09):
There you heard me right.
Speaker 2 (10:11):
So if you're.
Speaker 1 (10:11):
Saving two hundred and fifty dollars, how many months does
it take you to break break even?
Speaker 3 (10:15):
You get a department for the first month, so you're
basically even after the first month.
Speaker 2 (10:19):
If you look at it that way. Yeah. True, But if.
Speaker 4 (10:22):
Here, you know, that's what four months?
Speaker 1 (10:25):
Yeah, and that's what a lot of people. I had
a conversation with somebody again the other day. I said, well,
I was told I shouldn't do a Refin answer, I said,
I'm saving one percent, And I said, yeah, if you're paying,
you know, somebody online, you know, twenty two thousand dollars
for a refire thirteen or fourteen. I've seen all kinds
of crazy numbers from these people getting quotes offline, you know,
and they're there. Claim to fame is no out of pocket?
Speaker 2 (10:46):
Yeah? No out of pocket? Well, you know we're going
to get two fifty in an application fee.
Speaker 1 (10:51):
The rest of it will put in the loans. But
I mean it's going to cost you nine hundred and
eleven total plus if you're gonna asktro we'll.
Speaker 2 (10:56):
Set that up. That doesn't include that.
Speaker 3 (10:59):
Yeah, case in point at a customer that sent me
a something he had got into the mail from mister Cooper.
Speaker 4 (11:07):
And uh, you.
Speaker 3 (11:09):
Know, using that exact terminology read my ass now with
no out of pocket. I think the rate was at
six point six two five. But you can bet you're
paying an exorbitant selection of closing costs and being.
Speaker 4 (11:29):
Fooled by no out of pocket.
Speaker 3 (11:31):
No out of pocket doesn't mean they robbed you of
valuable equity.
Speaker 4 (11:36):
Larry, you know that.
Speaker 1 (11:37):
It does mean they're robbing he out of valuable equity
because they're just tricking a Hey, we're gonna take our
first break here of the morning, we're gonna be right back.
We're gonna talk get Rick Green on the phone. He's
with Sam Jam Production. They talk a little bit about
what's going on with this bluegrass Spirit of the Bluegrass
festival out there at the horse Park this weekend. But
we appreciate you tuning into us. Bank is open today
from nine to one. Phone numbers eight five, nine, eight, nine,
(11:59):
nine one nine three six South and drives eighty five
nine two six three three three three five. So if
you can hear as, you can haul us Tim Adam
and there we'll be right back here. Listen Welcome Home
Show by Guardian Savings Bank on News Radio.
Speaker 4 (12:12):
Takes thirty w lap all right back.
Speaker 1 (12:16):
Listen Welcome Home Show about Guardian Savings Bank, thirty breaks.
Speaker 2 (12:19):
Tim Adams in here with you this morning. Glad to
have you tuned in to us.
Speaker 1 (12:22):
We'll get Rick Green on the phone here in a
little bit spirit of the bluegrass Sam Jam Productions out
there at the horse Parks. You get the chance to
get out for the weather. I'll hold out for you,
take you a poncho or whatever. But some good music
going on out there. Banks over to day from nine
to one numbers.
Speaker 2 (12:37):
Eight five, nine, eight, nine, nine, one nine.
Speaker 1 (12:39):
Three six south and drives eighty five nine two six
three three three three five. So if you can hear
as you can call us talking a little bit about
rates and some of the stuff going on in the economy,
and Kim.
Speaker 2 (12:51):
I'll tell you.
Speaker 1 (12:53):
Verse six point seven five on a thirty year fix
today and hopefully it'll it'll hold down over the rest
of the weekend and into next week.
Speaker 2 (12:59):
The bond mark.
Speaker 1 (13:00):
It's been working in our favorite and you know, you
get something going on overseas between Israel and Iran, and
it could affect the market pretty quickly, and hopefully we'll
see what happens, but hopefully it doesn't, but highly possible
that they could and it would so, but anyway.
Speaker 2 (13:17):
Take advantage of it.
Speaker 1 (13:18):
Six seven five on a thirty year fix, six and
three eighths on a twenty year fix, and five point
eight seven five on a fifteen year fix and the
fifteen year special five hundred dollars and closing costs. We
were just talking about nine to eleven for a standard refive,
but they got a special on the fifteen.
Speaker 2 (13:35):
Year five eight seven five. It's only five hundred.
Speaker 1 (13:37):
Bucks and then that doesn't cover your scros. But that's
not a bad deal at all, So just keep that
in mind. But I've been working on some claims this week, Tim.
You know, we service these loans, so when people have
an insurance claim or something with their homes and with
crazy weather and stuff we've had, I've learned a lot
about this this week and had my first one ever
(14:00):
that was from a flood insurance plane. And it's a
little bit of a different bear, and you know, we
don't you know, as the weather goes through and different
things happen. I've seen people that had, you know, a
toulet overflow or washing machine or dishwasher or what have
you and make a claim. But these people had flood
(14:21):
insurance on a second home. And it's just crazy how
the insurance works because it only covers from the floor
joist up, so anything below the floor joists the guy
is responsible for on his own.
Speaker 2 (14:31):
And I think that's pretty wild. It's the type of
policy that you had, it's the type.
Speaker 1 (14:35):
It was required, and it's just a different setup than
what you would have from your standard insurance company for
your personal residence that's in heartland or over it end
over or something like.
Speaker 2 (14:45):
That, you know.
Speaker 1 (14:46):
So it's been fight a learning curve for me on
that and anything that's in a flood zone is required
to have it. We checked every home, every loan that
we do to see the flood certification on it. That's
part of what we absorbed in costs. But pretty amazing
to see coverage on something with flood insurance that's just
from the floor joice up.
Speaker 2 (15:06):
It's an AE policy. There's different types of policies.
Speaker 1 (15:09):
But anything blow that floor joys, any insulation, any foundation,
any water heaters, any air conditioning. On me, some of
the stuff, you're just like what, So that was learning
curve for me. But I guess if you're going to
buy and you know you're going to be in the
flood zone, those are things you need to be aware of.
And in my the ilustrious, i don't know, thirty five
(15:31):
forty year career, doing these loans first one I've ever
seen or had to deal with. And it's been quite
a learning experience, man. And I know that Tim, you've
probably seen a few claims come through the office, but
they's changed the way that we have to try to
handle them. And I've been hands on all week working
on it's fund crazy.
Speaker 4 (15:50):
Yep.
Speaker 3 (15:53):
That's still called service after the sale aarry and most businesses,
and that's what.
Speaker 4 (15:58):
You get with us.
Speaker 1 (15:59):
Yeah, yeah, And it's uh, you know, it's been a
learning experience. I told you guys, I said, listen, I've
never worked on a plane like this, but I hate
that you're paying the tuition for my lesson. But we're
going to figure this out and get through it. And
he's learning too. But pretty crazy. And you know, there's
a lot of it going on out here with the
weather that we've had and the crazy things that you
(16:20):
know that happen to people's properties with trees falling or
tail damage or you know, water damage or what have you.
So but he's in there, we're working with him, we're
getting through it. And that's the part of what you're
you know, Guardian Savings Bank, we service these loans. That's
why the closing costs are what they are. And and
he can come in and he's been at the desk
a couple of times this week bringing paperwork, trading information,
(16:43):
talking to the agent, talking to the adjusters and you know,
all involved helping him get everything, taking care of that
he needs. And that's part of what you get at
Guardian Savings Bank. And that's what we sell our you know,
services on is our servicing of the loans and taking
care of the people. And that's the way it's always been,
the way it's gonna be. So learning we're getting it.
(17:05):
But hey six seven five on a thirty or fixt
six and three eights on a twenty five et seven
five on a fifteen. We're gonna take another break, be
right back. But the banks open a day from nine
to one pH on numbers eight five, nine, eight nine, nine,
one nine three six Here at Hamburg South and Drives
eight five nine two six three three three three five.
Speaker 2 (17:23):
If you can hear, you can you can call us.
Speaker 1 (17:25):
We're gonna give old Rick Green a call with Sam
Jam Productions here in a minute. They're after that spirit
at the Blue Dress, so we'll hollered him, get him
on the phone.
Speaker 2 (17:32):
But we're gonna be right back. Your listen to Welcome
Home and Show by Guardian Savs Bank on News Radio
six thirty of LA Here Right Bank is a.
Speaker 1 (17:40):
Welcome Home Show by Guardian Savings Bank and Adam Glary
Frakes in here this Saturday morning, we finally got Rick
Green on the phone.
Speaker 2 (17:47):
We'll chat with Tim in this second.
Speaker 1 (17:49):
It's one of the reminder banks open today from nine
to one. One numbers eight five, nine, eight nine nine
one nine three six South and drive is eighty five
nine two six three three three five.
Speaker 2 (18:00):
So if you can hear as you can cos us
thirty or fixed.
Speaker 1 (18:04):
Six point seventy five, twenty years, six and three eighths,
fifteen years, five eighty seven fine, and we've got a
special on it. We're just five hundred dollars in closing costs,
so keep that.
Speaker 2 (18:13):
In mind if we can save you some money.
Speaker 1 (18:15):
And Tim's talking a little bit earlier about thirty three
percent more homes on the market right now than the
worry a year ago, so keep.
Speaker 2 (18:21):
That in mind. Get qualified, get out and get your
shopping on. If you're so.
Speaker 1 (18:25):
Inclined, we let get your preapproved and help you get
everything put together.
Speaker 2 (18:30):
And we appreciate the opportunity to do that.
Speaker 1 (18:32):
But we mentioned a couple of times the Spear of
the Bluegrass. You've heard the commercial running on the show
here last couple of weeks. But we've got Rick Green
on the phone with us, and he's part of the
sam Jam production crew up there and he's taking some
time out to get on the phone here with us
and fill us in on what's going on out there today.
Speaker 2 (18:49):
And you got it so.
Speaker 1 (18:50):
Infined to get out and go listen to some good
bluegrass music and he can fill us in on what's
going on.
Speaker 2 (18:55):
Rick. Has your day going so far? It's great.
Speaker 5 (18:58):
We've had a great festival out.
Speaker 4 (19:00):
Here, Larry.
Speaker 5 (19:00):
I mean it's uh, you know, this is the third
year that we have sort of reinfigurated the Festival of
the Bluegrass, which was here for forty six years and
stopped as a result of COVID.
Speaker 6 (19:13):
This is the third year.
Speaker 7 (19:14):
That we've done it and it continues to grow.
Speaker 2 (19:16):
Uh.
Speaker 5 (19:17):
And yeah, that's what we're seeing in just two great
days of music so far, and we're ready.
Speaker 6 (19:23):
For It's an unbelievable line up here today on Saturday.
Speaker 2 (19:27):
Who all is?
Speaker 1 (19:28):
Who all's going on today? What time do they start?
How much it cost to give in? And main thin
Pinky wants to know, Tim n is my radio partner.
How much of the beers this year?
Speaker 5 (19:37):
Yeah, so we'll just start with it's a seventy five dollars,
but that is for you know, that is for five
of the eight less bluegrass, you know, acts.
Speaker 6 (19:47):
And artists you know, in the in the genre.
Speaker 5 (19:51):
Also like we do as you mentioned, we have a
we have a one hundred and twenty foot beer garden
tent where we sell garage here for for an hour,
and we have some other h o expirits and so forth.
But yeah, it's a it's a festive event.
Speaker 2 (20:07):
Uh.
Speaker 5 (20:07):
But what we love about our shows is that what
we love about our shows is that you know, in
the afternoon all through the evenings, you can see you know,
you can see kids.
Speaker 7 (20:17):
Running around playing, and you know, and then you know, we.
Speaker 5 (20:21):
Also have uh, you know, of course bigger gardens, so
it's a it's a safe environment. We have a great
security team here and it's uh, it's really a uh
that's part of the basics of running a festival. You know,
you have to have uh, you know, people have to
feel safe. They do feel safe the grounds here at
the Kentucky Horse Park or just.
Speaker 6 (20:40):
Second none anywhere in the world.
Speaker 5 (20:43):
And uh so yeah, for for all of those reasons
are more like it's a it's a great environment to
you know, to bring your family and uh, you know,
if you like little grass, it speaks for itself.
Speaker 6 (20:55):
If you're new to blue grass, it's.
Speaker 7 (20:57):
The kind of event that, uh, you can't have to experience.
Speaker 5 (21:01):
Uh, you know, we need to see bluegrass music wives
And we tell people if you ever come to any
of our shows one time and age Yeah.
Speaker 1 (21:09):
And obviously Tim and I are doing it and we're
stationary and Rick's doing it from out there to Kentucky
Horse Park.
Speaker 2 (21:14):
So, but the.
Speaker 1 (21:16):
Reception might be a little different than what we're used
to having. But if you, you know, listen closely with
he's he's you know, he's he's he's mobile and we're setting.
So but uh so what times the shows start to
see today and what what time will they end?
Speaker 6 (21:33):
Yeah, so we go at one o'clock.
Speaker 5 (21:36):
Uh, and that begins with Schultz Creek and then you know,
Schultz Creek is followed by Dave Atkins and Mountain Soul,
and then it's the Creekers, which is a you know,
a man that's coming on the scene that is really
really a hot band right now there you're going to
be hearing about them on a lot of different platforms.
(21:58):
And then of course we have this Steel Drivers, which
of course was the band that uh you know, Chris Tapleton.
Speaker 6 (22:04):
Was part of uh, you know, early in his career.
Speaker 5 (22:07):
And you know, many of those members are of course
still in the band. And you know a lot of
the songwriters, the songs that are that are known as
stables and you know, pieces of work. Those folks are
still in the band and they are tremendous. They are
always a crowd pleaser. And then you know, Creakers were
actually close to show back to the steel Drivers and
(22:29):
so we're you know, it's it really is a loaded
mine out today, but but we take it off at
one o'clock and you know, and so.
Speaker 6 (22:37):
We're looking for Uh.
Speaker 5 (22:39):
The one thing I mentioned to is like, you know,
that's why we have one hundred and twenty part and if.
Speaker 6 (22:44):
We do happen to get a little bit.
Speaker 7 (22:45):
Of rain, we like to keep everything outside. But if nothing.
Speaker 5 (22:48):
Happens to if we do get a little bit of rain,
we can only there's the production.
Speaker 7 (22:51):
Inside the tent.
Speaker 6 (22:53):
Uh.
Speaker 5 (22:53):
We have a separate time system there in addition to
our main stage, so we have contingency if.
Speaker 6 (22:58):
It rains a little bit, you know, brokeal that. You know,
we can keep.
Speaker 5 (23:02):
Everything outside, but you know, if it gets where it's
a little bit uncomfortable, we can always go inside the tent,
but the show marches on.
Speaker 2 (23:09):
Yep, we appreciate it. Well listen, I know you guys
are busy.
Speaker 1 (23:11):
I appreciate you taking our Paul taking time to speak
with us, and you know, we appreciate being able to
support it and work in conjunction with you guys promote
good music in the bluegrass and people coming to town
and and enjoying the horse park and visiting in Lexington.
So I know you guys do one in the uh
in in like February as well out the Clarion.
Speaker 2 (23:30):
So we'll get back with that, but we'll be out
there to seeing a little loft him and I the
the dollar beers sound good to me. The music is
always good. So if we can stay dry, we'll be
right there. Yeah, that's fantastic.
Speaker 5 (23:41):
My you know, my business partner Sam car and I
we you know, we we always just.
Speaker 7 (23:45):
Try to keep it pretty simple, right.
Speaker 5 (23:47):
We want to make sure that anybody that comes through
our gates, whether that's a sponsor or a fan, or
a volunteer or the artist, that any everybody that.
Speaker 6 (23:57):
Comes through our gates walk out feeling like.
Speaker 5 (24:00):
They were treated professionally and have a good experience. So
that's what we're all about, uh you know, and so
we uh you know, we feel like we've got to
get that option here for folks, and we'll certainly do
our best to make sure we've put on a frustrat.
Speaker 2 (24:14):
Event here and like them, and we try to.
Speaker 6 (24:17):
Do our parts continue this great tradition here at the
Kentucky Boards.
Speaker 1 (24:20):
Yeah, well, thanks for letting us all and picked on
you a little bit. I know you guys got a
lot going on, so we'll see you out there a
little while. So, uh well, we we appreciate you taking
the time, Rick, and we'll be we'll we'll see you guys.
Speaker 2 (24:33):
Out there shortly.
Speaker 6 (24:34):
All right, Thank you guys too.
Speaker 2 (24:36):
All right, takes here, Okay, go back, yep.
Speaker 1 (24:40):
He uh obviously he's out there working and we're doing
the radio show from a different location.
Speaker 2 (24:45):
I'm glad he took the calls.
Speaker 1 (24:46):
A little little different reception on it, and but basically
the show starts at one today, five acts, seventy five bucks.
But there's some big name bluegrass artists.
Speaker 2 (24:54):
Out there and they take they do take good care
of it.
Speaker 1 (24:56):
They'll have some food vendors and and I like to
you know, it cracked me up.
Speaker 2 (25:00):
First couple of years, I went out there and.
Speaker 1 (25:02):
All the beers they are a dollar and I asked him,
I said, Colleen, man, how you He said, Man, we
just want to We're just we want everybody come out
and have a good time, and we want to be
affordable for everybody.
Speaker 2 (25:12):
And you know they and even that being the case, Tim,
you and I've.
Speaker 1 (25:16):
Been out there, and I mean with a den like that,
there's not anybody getting out of hand drinking thing. You know,
everybody's sitting around watching the show and dancing and and
there's there's people everywhere, and they dealt with the weather
before and they've got it set up so that, as
he said, the show will go on. But if you're
looking for something to do and you want to hear
some good blow grass and you haven't bought a ticket yet,
it's a good opportunity. And then I know the sevening
(25:38):
at Austin City, eight Days Sobers playing so after, I
mean their show will be done way before Eight Days
Sober gets started over at Austin City, So that's another option.
I don't know what else is going on around town, Tim,
you got a clue on anybody else.
Speaker 2 (25:52):
Out playing this weekend?
Speaker 4 (25:55):
I know not to my knowledge.
Speaker 3 (25:56):
I know I'll be watching some of the College World Series,
which begins.
Speaker 4 (26:00):
Uh the game yesterday, So.
Speaker 3 (26:02):
Yeah, Baseball and the US Open.
Speaker 1 (26:06):
Yeah, I guess the World Series is kind of unique
this year. There's not a returning team for the first
time in many many years. And I was glad to
see Murray State. You didn't Louis was in it, But
there's no teams in it there were in last year.
Speaker 2 (26:18):
I thought that was kind of a unique fact about it.
Speaker 1 (26:21):
And I guess that the course that they're playing on
in the golf is tough. You have to say the police,
have you been keeping up with it?
Speaker 2 (26:31):
I'm sure you have.
Speaker 3 (26:32):
Cot Uh, it is tough, and the rough is rough,
and if you if you're not precise and you don't
get it in the fairway, you got all kinds of problems.
So I saw a photo of Rory McIlroy. One of
his balls landed in like thigh high weeds. So it's
(26:53):
kind of a wild West of golf. Looks like Larry
and even Tiger Woods chimed in to say that you know,
you better better bring your a game and we haven't
seen a lot of players under par so they set
it up that way and we'll see the best man win.
Speaker 4 (27:08):
They're all playing the same course.
Speaker 2 (27:09):
So yeah, yep, and that's the way it is. Yep. Yeah,
I mean it's uh.
Speaker 1 (27:16):
I knew that they had it set up tough, and
I'd heard some of the same stuff and seem a
little bit on the ESPN and I was like, holy mackerel,
that's looking pretty rough right there. But they were putting
from one hundred and twenty yards and you know, one
hundred yards.
Speaker 2 (27:31):
And that was pretty crazy.
Speaker 1 (27:33):
But uh, you know, if you have a chance of
gott and visit Spiritual Bluegrass out there.
Speaker 2 (27:36):
If the weather holds up, get out there and check
those guys out.
Speaker 1 (27:39):
And they, like I said, they do another on now
have the player you on and I think February. And
they do a good job putting their shows together.
Speaker 2 (27:45):
They always have.
Speaker 1 (27:45):
Professional acts of steel drivers obviously you're familiar with them,
and Rick Stapleton or Chris.
Speaker 2 (27:50):
Stapleton h connection. And like I said, tonight.
Speaker 1 (27:55):
Out at the Austin City eight Day Sober be out
there and they always put on a good show. So
keep that in mind. But and then once again, now
we we you know rates.
Speaker 2 (28:07):
Are you know a little better than they have been there,
better than they.
Speaker 1 (28:09):
Were last week, six seven five on a thirty year
fix six and three eights on a twenty year and
five eight seven five on a fifteen The home possible
that we have that is six point nine to nine
percent and that's you know, a loan that is a.
Speaker 2 (28:28):
Special loan for home buyers.
Speaker 1 (28:31):
There's some qualifications that are met on that thing. But
that's not a bad deal either. It's got It was
seven and a quarter last week, tim, Yeah, so you
know it's falling into place. And KACS that's the rates
on that. That's a Kentucky housing program.
Speaker 8 (28:45):
So you been saying where you look at the rates
for our FAJ programs, you know there's six and a
half for FAHA and v A six point two five
for a USD A one hundred percent loan there and those.
Speaker 3 (29:01):
Aren't available in Fat County, but they are in the
outlying counties.
Speaker 4 (29:05):
So I mean, you gotta think long and hard. If
you're a first time buyer.
Speaker 3 (29:09):
Maybe you can't qualify at six and a quarter. So
don't don't just count yourself out.
Speaker 2 (29:13):
Give us a.
Speaker 3 (29:14):
Call with a little phone call and man, let's play
your credit right away and let's just talk about your scenario.
Speaker 4 (29:19):
That's allful free.
Speaker 1 (29:21):
It is absolutely and you know, just give us a
call unless you know, evaluate the situation. Get your pre
qualified is the main thing, and then we can go
from there. We're gonna take another break. Bank is open
to day from nine to one. Phone number here in
hamburgs eighty five nine eight nine nine one, nine three
six half the drive is eight five nine two six
(29:43):
three three three three five.
Speaker 2 (29:45):
So you be open to day for nine to one.
Obviously give us a call for your pears. You could
call us. You are listening to.
Speaker 1 (29:51):
A welcome home show by Guardian Davi's back today on news.
Speaker 2 (29:54):
Radio six point thirty w LAP and.
Speaker 1 (29:59):
We'll be ready a welcome home show about Guardian Savings Bank.
Tim Adams Franks in here this Saturday morning. Appreciate you
tuning in to us. Hope we're educating a little bit.
Thanks Rick Green for taking our call. He's with Sam
Jam Productions. They got the spirit of the bluegrass going
on out the Kentucky Horse Park today, so you have
there and check that out. Banks over to day from
nine to one on them is eighty five nine, eight
(30:21):
nine nine one nine three six South and drive is
eight five nine two six three three three three five.
Speaker 2 (30:27):
So if you can hear us, you can call be
glad to talk to me about it.
Speaker 1 (30:33):
We just talked a little bit about rates and some
of the different programs and some of the different stuff
we got going on. Seems to be plenty of houses
on the market, which leads me to believe that people
are going to be more competitive in sales price them
even though rates are what they are.
Speaker 2 (30:48):
And people have adjusted to them.
Speaker 1 (30:49):
If there's more homes now and they're longer on the market,
people become a little more aggressive, but their price.
Speaker 2 (30:56):
Is kind of where it works are is? Is that
the way you see it? Help supply?
Speaker 3 (31:01):
Man, if all was a realtor, you know, I all
want to see that thing sold. So yeah, you may
have to sharpen up your pencil. So, as we've discussed,
prices may not be going up. You may maybe we
may be going into a buyer's market here by the
data I'm seeing that, Larry, and we didn't think that
earlier last month or last month. We thought home prices
(31:24):
might continue to rise if but rates haven't come down yet.
So when race did come down, it may become a
seller's market again, Yeah, and you have if you have
an option, and you have an aggressive seller and a
good realtor, and everybody's in line to take care of
business you have. You know, until you get three percent
(31:45):
towards closing costs and free page, you could buy your
rate from six point seventy five to six in a quarter.
If the seller's willing to participate with some of it
for two point five percent of what your loan amount is,
you could go from seven six point seventy five to
six and half or for one point five of.
Speaker 2 (32:01):
The of the points.
Speaker 1 (32:04):
And you know, some sellers are aggressive enough they'll pay
three percent towards closing costs or prepaids. And if your
realtors and savvy enough, they'll help you negotiate that in
if you truly need it for closing costs. And that's
what it needs to be because you can always refinance.
I'm not big on buying the rate down, but if
it helps you get qualified and save you some money, then.
Speaker 2 (32:22):
Obviously then that's the route that we want to go
with it. So you can, you.
Speaker 1 (32:25):
Know, negotiate those things in on a twenty year, you
could get to well on the fifteen year, Okay, so
we're five eight seven five. It's five hundred bucks. So
on the fifteen year, you could go to five seven five,
which is an eight different from one point.
Speaker 2 (32:41):
You can get to five and a half or two points.
Speaker 1 (32:42):
So depending on what you're doing, if you've got to
wherewithal with yourself and or your you're the person selling
you the home, and you can negotiate it. We can
try to save you some money right off the jump,
and if you you're happy with that and want to
do it, go ahead.
Speaker 2 (32:56):
If you want to use.
Speaker 1 (32:57):
The money for closing costs, that's an option to but
keep that in mind. So we tried to be as
creative as we can with the numbers we've got to
work with and the opportunities that are presented to us.
And and we'll do it until you mentioned earlier faha,
b A, us DA, Kentucky Housing and you know we
(33:20):
do them all. So uh, first time home buy our
programs we got them. So uh, just you know, if
you want to call and get pre qualified. Ten said,
we don't always have to pull a credit report. If
you are serious about it, we're gonna pull one because
we need to figure out your debt. We need to
make sure everything's going on, what coming and going, get
your debt in come and put in place, and see
(33:41):
what loan programs you qualified for. And you know that's
part of the process, is putting it all together.
Speaker 2 (33:47):
So we're here to help and make things right and
do it. And we appreciate the business that we get.
Speaker 1 (33:52):
But eight five nine, eight nine, nine one nine three
six Out and drives eight five nine two six three
three three three five. Let's the radio show. Rates seem
to be coming down. I want to get pre qualified,
That's all you got to say. They'll hook you up
with ten or I hopefully if you're not asking for
one of the other loan officers, we'd be glad to
help you and you'll get good service. And and like
(34:13):
I say this, this past week, I've been working with
people on insurance claims and as I'm sitting here right
now working on the radio show, got a got a
request here to work with with another one. So I'll
take care of that today and we'll go from there.
So we'll just keep on keeping on with that.
Speaker 2 (34:28):
But we appreciate you tuning in to us. You know
we're by local. Be local and stay locals.
Speaker 1 (34:34):
What I like to say and that's what you're doing
at Guardian Savings Bank, and Tim, I know that's the
way you feel about it too, and that's the way
you like to do business.
Speaker 4 (34:40):
Absolutely, And.
Speaker 3 (34:43):
You know we're a community bank. We've talked about that often,
but you're not you're not helping our community if you're
dealing with the rocket mortgage right exactly.
Speaker 1 (34:53):
I mean they're gonna you're gonna be dealing with the local.
By local and stay local. We all live here and
our kids are here. We do everything here, use local people.
So anyway, we appreciate you tuning into the show. If
you get a chance to get out, check out the
Spirit of the Bluegrass or later on.
Speaker 2 (35:07):
This sevening if you're so in, find you.
Speaker 1 (35:09):
Out to Austin City Saloon over and check out eight
Days Sober. My buddy's over there put on a good
show for you. If you're hanging out and looking for
something to do. Thanks over Day for nine to one
Oneimer's eighty five nine eight nine nine one nine three
six South and Drives eighty five nine two sixty.
Speaker 4 (35:25):
Three three three three five.
Speaker 2 (35:27):
Appreciate Rick Green taking our call, visiting with us, and
we'll catch him next time. He's in town.
Speaker 1 (35:31):
Tim, have a good one. Appreciate you listening today. You've
been listening to Welcome Home Show by Guardian Safeties Bank
on news Radio six thirty.
Speaker 4 (35:39):
I try to hear on the homolog catch w LAB.
Speaker 2 (35:43):
We'll be back next Saturday.
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