Episode Transcript
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Speaker 1 (00:06):
Good morning, like continue listening to Welcome Home Show by
Guardian Davings Bank. I'm Larry fraiks tim Adna's in here
with you this holiday weekend. Happy fourth of July. Everybody.
Hope you're out having a good time today. I hope you
had a good time yesterday, and enjoy the weekend. Little
three day soire out in the heat. I guess these
afternoon rains and stuff are kind of off and on,
but it is what it is, so anyway, happy for
(00:29):
the July Welcome to the Welcome Home Show.
Speaker 2 (00:32):
Banks open to day from nine to one.
Speaker 1 (00:34):
Numbers eight five nine, eight nine nine one nine three
six South and drives eight five nine two six three
three three three five. So if you can hear, you
can call us. Rates are in pretty good shape. Six
and a half on a thirty finally, and we're down
to five point seven five and with the those are
five hundred dollars closing costs, So six and a half
(00:55):
on a thirty and five point seven five on a
fifteen five hundred and that's.
Speaker 2 (01:00):
You know, that's good.
Speaker 1 (01:02):
At this vent we're nine hundred and forty eight bucks
TOI and I've been talking about that but they've got
a special going in. I don't know if it's a
holiday special, but anyway, hanging in there on that and
give us the calls if we could put something together
for you. Well, what we're seeing is market it's correcting
a little bit, and then in the favor of bonds
more specifically ten year treasuries, which we talk about weekend
week out conditions are becoming more favorable too. And uncertainly
(01:25):
is is not as much on investors' minds when they
get into bonds as investments. They are long, you know,
ten year terms, and they have a you know, they're
not as attractive as stocks. But certainly there's a lot
of money that comes into the prospect that America.
Speaker 3 (01:42):
Will return, the economy is going to come back strong.
Speaker 1 (01:45):
Will they've come back with all this there's a little
match between I guess Jerome Fauci or Jerome Pound and
Trump from what I understand, because he's he's holding off.
He said, we would have already lowered the rates that
if we didn't, if we knew what these tariffs.
Speaker 2 (01:58):
We're going to do. That is uh.
Speaker 1 (02:00):
Once again, you got somebody gonna they're bigger than the
public and the opinion of the voters who put somebody
in office, and they're going to you know, so they're
in a little match to see who's more powerful, I guess,
and Jerome Pounds an appointed person by the Federal Reserve,
and they you know, so the twenty six he'll.
Speaker 2 (02:14):
He'll be you know, he'll be gone anyway.
Speaker 1 (02:16):
But unfortunately a lot of oversight well exactly right, and
the thing is and you know, it's all controlled by
that ain't controlled by the government that you know, we
got our topic. Yeah, but I mean it's just pretty
obvious that that they expected ninety three thousand jobs and
the jobs report this week and they lost thirty three
thousand jobs.
Speaker 2 (02:34):
And that's really what this is based on. So in
you the stuff that you and I.
Speaker 1 (02:38):
Grow up on and what we try to quote people
on is information based on reports that come in and
then we can you know, decide from then what we're
going to do to help the next you know, help
our clients. But when he's got this little issue that
he's decided, there's a whole other factor here and then
their decision making. It's never never been anything that we've
we've had to deal with. Tim I said, we we
(02:59):
we're looking at unemploy rates and inflation and all these
different things, and now they punt another wrinkle into it.
So he just gonna go ahead and do what he's
gonna do. But he made it clear on this past Tuesday,
you know, he was, Yeah, they would have already lowered
the rates if they know how these tears are gonna
affect everybody.
Speaker 2 (03:15):
Okay, yeah, it's okay, it's just getting it.
Speaker 1 (03:18):
You know, we're paying how much you know on our debt,
so anyway, but you're right to ten year bond is
what dictates this. We're six and a half on a
thirty five point seventy five on a fifteen, it's five
hundred dollars in closing costs. Just give us a call
eight five nine, eight nine nine one nine three six,
say hey, I want to check out this rate. And
if you bought a house the last couple of years,
get your mortgage out.
Speaker 2 (03:38):
You don't have to. There's no prepainted penalties on very
seldom on these mortgages any longer. And give us a call.
Speaker 1 (03:43):
For five hundred dollars, you can refinance your house and
maybe get rid of mortgage insurance. But you can go
from seven percent to six and a half anything a'm
seven percent or higher for five hundred dollars closing costs.
Speaker 2 (03:54):
It ain't gonna take you too off along to break even.
Speaker 1 (03:57):
You're gonna you know a lot of people think tim
still to this day, have one percent rate drop for
it to makes sense to refinense.
Speaker 2 (04:02):
Yes, if you're spending ten.
Speaker 1 (04:04):
Thousand dollars in closing costs, you better have a one
percent rate drop that that day's the case when it
cost you.
Speaker 2 (04:08):
Five hundred dollars. Preachy, Larry, preach.
Speaker 1 (04:11):
Just people, you know, sometimes they just you know when
we talked about this year ago, that drive across town
to save ten cents on a gallon of gas, but
they'll continue to pay seven and a half interest, right
when they could have six and a half and five
hundred dollars in closing costs that save them seven hundred
fifty dollars a month. How much it taking break it
even to them less of a month, you know what
I mean? And they're just and then you got two
months without making a payment. But people will get online,
(04:32):
they'll be with US Rocket and everything else out there
and pay thirteen fourteen thousand dollars no out of pocket.
But they're going to eat up all their equity paying
closing costs.
Speaker 2 (04:39):
To these people. So you know, it's just you know,
I am glad.
Speaker 1 (04:43):
I mean we've kicked around here, and you know, people
try to compete with us on closing costs and stuff,
but it's.
Speaker 2 (04:47):
Hard to be sure it is.
Speaker 1 (04:48):
I mean, you go somewhere else, you're going to pay
lenders title insurance.
Speaker 3 (04:51):
I mean we talked.
Speaker 1 (04:52):
It's you know, this is old news if you're a
long time listener. But if you're not, and you hear
something that says, well, guardian, can they can't do that? Well,
yes we can if you pose the right scenario, which
is a credit score and your loan to value. It's
very important in determining your refinands. If you're at twenty
five percent equity and your property right now and your
(05:13):
score is seven eighty or above. Our total closing costs
including appraisal is about nine hundred and twenty five dollars,
and that includes the recording of the new paperwork at
the courthouse.
Speaker 3 (05:25):
It's all in one.
Speaker 1 (05:26):
We're able to pay some those speech for you if
you present that you know strong of.
Speaker 2 (05:30):
A file, you're correct on all that.
Speaker 1 (05:32):
But it's five hundred dollars and then five hundred dollars
closing special right now, yes, nine forty eight generally.
Speaker 2 (05:37):
Yeah, and now dollars everything. So it's five hundred dollars.
Speaker 1 (05:40):
I mean, it's two fifty application fee and then the
other two fifty pay you know, we're we're going to
service the loan folks, so that the paybacks and the payback,
but that five hundred dollars covers the appraisal, the title work,
the loan closing processing, the underwriting, and all the things
that we've got to do.
Speaker 3 (05:55):
And that's on any rate in term.
Speaker 2 (05:57):
That's on the six and a half, on the five
point seven five. Got you?
Speaker 1 (06:00):
So yes, I guess if you did a twenty it
would probably apply as well. But that's not what they've quoted,
you know, us on And that's okay. Well, I've been
out of town for a couple of days later, so
I'm just catching up.
Speaker 2 (06:10):
Yeah no, no, no, that's fine. I mean, but it's you know,
I just want, I just want, you know, and you've
got to stay in tune with these facts that we're
talking about. Yeah.
Speaker 1 (06:19):
Well, I mean, you're right, nine forty eight is what
it would be otherwise, But we're down to five.
Speaker 2 (06:22):
Fine.
Speaker 1 (06:23):
We used to do them for two fifty. You know,
that was our plan of fame. So that's just one
of the things that we can't you know, control is
in is the cost of stuff. But we're willing to
I guess you could call it a holiday special fourth
of July specially, you know, let's light this place up.
Speaker 2 (06:36):
And they save you some money on your mortgage. You
know what I'm saying.
Speaker 3 (06:39):
Let's blow up that old payment and new one.
Speaker 2 (06:42):
Yeah, blow up the old payment. Let's fizzle it out.
Speaker 1 (06:44):
Ye put it on a fuse, burn it up, and
then get something else going. And a lot of people,
you know, they just won't take a look. They won't
take a look and see what's available to them, and
then you know they'll miss the boat here. But if
you bought a house last two or three years, I
promise you're seven percent or higher unless you bought the
rate down or did a fifteen year And if we
can get you a five point seven five or five
(07:05):
hundred dollars in closing costs for six and a half
on a thirty year fixed, I don't care if you've
been in the house four months, eight months, whatever, give
us a call. If you've been in there twenty four
months and if you want to stay on the same
term and you'll want to start back over on a thirty,
then that's fine. You know, we'll go ahead and put
everything in place that we have to do. But you know,
we can do twenty eight years and two months. We
(07:25):
can do you know, fourteen years and three months.
Speaker 2 (07:29):
Whatever. We can keep your payment the same, the lord
of the tournam.
Speaker 1 (07:32):
If that's what you want to do, just keep you
on task and you'll have more bang for your buck
with the payment.
Speaker 2 (07:35):
Anyway. We can put it on any term down to
ten years.
Speaker 1 (07:37):
We can do seventeen years and eight months, twenty one
years and two months, twenty six years and eight months, whatever.
You know, we'll keep it the same and it's still
going to be five hundred bucks. And guess what comes
with us? As I had a text message this week
giving me a pat on the back for our customer
service in mind specifically as well as the.
Speaker 3 (08:00):
Bank's customer service.
Speaker 1 (08:02):
Uh uh oh forgot to pay their home insurance premium
on us due in June and mistakenly thought they had
set up escros. To realize that they had not set
up escros because they wanted to keep track of their
insurance and it made sense, but it's a human error
and h But guess what, Larry. They called me on
(08:23):
a Sunday and said, would you take our call? And said, absolutely,
I will. You know, I don't know what time it was,
and I just gave them the case. I said, we
weren't going to do anything to Monday, obviously, but this
isn't a big deal. Don't sweat it. We'll just get
your agent with on a three way call on Monday
morning and we'll we'll get this worked out where there's
proof of coverage on the home and they shouldn't they won't.
(08:45):
You know, sometimes a lender will force place insurance if
they find out if there's been a lapse in coverage.
But in this case, so.
Speaker 3 (08:53):
Then they didn't have to worry all day Sunday, Larry.
They didn't have to worry about it.
Speaker 1 (08:57):
They felt confident that, you know, I knew what I
was talking about and it wasn't gonna be a big
deal because I just had it happen. Earlier in the week,
another customer had missed their insurance premium due date by
one day and they were panicking and they call me yeah,
and I set them at ease, put them in the
right place.
Speaker 2 (09:16):
Problem solved. Well, you know, it's the same thing here.
I've had.
Speaker 1 (09:19):
It happened a couple of times over the years, not
very often where you got till the fifteenth to make
your payment to sixteenth that's considered late. And some may
get on vacation or whatever and never miss a payment
and then get you know, they don't want to have
a late fee. And we've been able to work and
around those on occasion. Just depends on your total history.
And you know that's the best part about its Be local,
by local and stay local. You can if you're dealing
(09:39):
with us, I mean where you know, when something comes up,
then you've got by somebody here locally that you can
call and talk to.
Speaker 2 (09:46):
And that's what I'm saying.
Speaker 1 (09:47):
You can you can get online to do whatever you want,
but when you need somebody, guess what you're going to
get a push button person and an AI response.
Speaker 2 (09:54):
Yeah, thank you, Peggy, it's just Peggy. Yeah. So I
mean it's just.
Speaker 1 (09:58):
You know, you want to do something for your local
people and people you can run around with ten hecky,
it take you out to lunch and buy beers down
at the UK football game or whatever, and or a
drink or whatever. And yeah, we're just ready word to
we live here, you know, the people we use live here,
and we're just be local by local and stay local.
Let us help you and then if you have issues
or problems, you can call us, you can stop in
(10:20):
the bank. I've had four or five people come in
the bank this week on insurance stuff. You know, we've
had a little change in how we process insurance claims
and if the weather being what it is and some
of the crazy stuff that's happened, we got a lot
of people getting worked on their house right now and
so just putting all those things together. But you know,
I'll run out to the parking lot and take care
of it and sometimes I don't even come in the branch.
Speaker 2 (10:41):
And it's just customer service, you know. And that's what
you're that's what you're getting.
Speaker 1 (10:46):
But five hundred dollars in closing costs and six and
a half percent interest rate or five point seventy five
on a fifteen year where in the town are you
gonna get any cheaper?
Speaker 2 (10:55):
And that there ain't gonna be no.
Speaker 1 (10:56):
Surprise, you know, you got to have a checking account
with us, and there's gonna be a pre you paying
a penalty or you know, you get there and all
of a sudden, there's other stuff on our five hundred dollars,
and what's going to cost to put your loan together.
There's gonna be a recording fee of about eighty pre
paid interest to make sure your due date just comes
upon the first, because you're use and then paying a mortgage.
And then if you're going to set up scrows, that's
(11:17):
what we're talking about interesting prepaid interest. So I'm saying
we'll set the interest on we'll make us you do
on the first, and that could be ten days, four days,
depends on when we close the loan. So you got
five hundred dollars in cost, you get your loan done,
you've got eighty dollars recording fee and then prepaid interest.
Whereas if you close on the fifteenth, we're going to
make sure we get the due date to the first,
you know, and then if you set up scrows, we'll
(11:38):
adjust that to make sure that everything's collected and we
have enough money to pay the accounts when they come
due and in fall for your taxes and then whenever
your homeowner's insurance, when that comes to then we'll have
enough in there to take care of that as well.
So we're here to help you. We've got a good plan,
we've got great closing costs. Rates are getting better, and
if you've got something the last you know, a couple
(11:58):
of years, if you bought something, you're gonna be over
seven percent. So just to get your paperwork out, let
us know what it is. Give us a call eight
five nine eight nine nine one nine three six.
Speaker 2 (12:08):
Let's listen to the radio show.
Speaker 1 (12:10):
Don't go online and call that eight hundred number. You're
gonna wind up getting somebody from northern Kentucky or Cincinnati,
and they will not let us work with you on
the local level. They will when you have a problem,
but if you want to deal with us locally, you know,
when you need to change something, I'd rather have you
come to the desk. Let's have a relationship. Let's get
stuff going here with us, and we'll go from there.
So don't panic on any of that, but just you know,
(12:31):
stay in touch and we'll get everything put together. But anyway,
we're gonna take our first break of the day. Banks
open to day from nine to one phone numbers eight five, nine, eight, nine,
nine one nine three six South and Drives eight five
nine two sixty three three three three five.
Speaker 2 (12:45):
If you can hear, you can call us.
Speaker 1 (12:46):
You're listening Welcome Home Show by Guardian Savings Bank on
news radio.
Speaker 2 (12:50):
That's TUDS Radio six thirty w LAP. We'll be right
back your bag.
Speaker 1 (12:55):
Listen to Welcome Home Show by Guardian Savings Bank. Phone
number here in Hamburg eight five nine, eight nine nine
nine three six South and Drive eight five nine two
six three three three three five. You can hear if
she calls. Happy for the July we've got a break
specially going on. We need to make sure we can
get some people in to know on that. If you're
sitting around today trying to recover from your Fourth of
July celebration last night and getting ready to go again
(13:16):
today and you're just chilling, get your paperwork out. If
you're paying anything above seven percent, we can refinanciate to
six and a half percent for five hundred dollars in
closing costs five point seventy five on a fifteen years.
Speaker 2 (13:27):
So give us a call.
Speaker 1 (13:28):
Let us have a look at it so that we
can put together for you. That includes your appraisal, todd
of work, processing everything but he s crows, and the
filing fee and making your dudate on the first of
the month. So just keep that in mind, and if
we can put something together. I just know how long
have been.
Speaker 2 (13:42):
I guess the last four years, isn't it, tim that.
Speaker 1 (13:44):
If you would have anything above seven I don't think
it's been. If they bought something the last four years,
you know it's gonna be around six point seven five
six and a half on a thirty, five point seventy
five on a fifteen anything anybodys pay anything about the
last four years, but it's kind of more than most
likely above seven percent. And for five hundred dollars in
closing costs, it ain't gonna take you long to break even.
(14:05):
People drive across town that's saved ten cents on a
gallon of gas, but they'll sit there and pay seven
and a half seven above seven percent on a mortgage.
And you can refinance any time with anybody. Marry the
home date the loan. Now's the time, and if it
goes down again, we'll do it again. It might be
nine hundred and forty eight dollars. But if you give
us a call Monday or today or Sunday, I'll give
you my cell phone number.
Speaker 2 (14:26):
Ten.
Speaker 1 (14:26):
Well, you can give yours and call us, you know,
anytime over the weekend, and we'll get some information. We
might not have all the answers because of service, you know,
we can't get access to But other than that, you know,
we can talk to you about what's going on. But
six point despive on the thirties, five point seventy five
on fifteen five hundred dollars in closing costs, you're not
gonna find a better deal in anyplace else. And there ain't
no tricks, all right, it's you know, you're get what
(14:47):
you qualify for is what you're gonna get, and we'll
use it whatever means necessary to help you understand the process.
And you can shop around and see what else is
out there. But we're in the game. I don't know
that you're gonna find a better read or better closing costs.
I don't know where's gonna be. And at nine forty
eight is pretty darn good clothing costs. But now we're
down to five hundred and the reason is we're gonna
service the loan folks. And what's that mean is we're
(15:09):
gonna trade paper with Fannie Mae and Freddie or Fanny made,
Freddy Mack or the Federal Home Loan Bank, but you're
gonna pay Guardian. You might get a notice it somewhere
down the road that Freddie Mac owns your mortgage, but
you're still gonna pay Guardian. And you're still gonna be
able to call on say a Tim, my insurance changed,
I need to do this, or Larry.
Speaker 2 (15:25):
My my payment change. What's happened?
Speaker 1 (15:26):
We go back to say all your taxes went up
or your homeowners insurance went up. We're still gonna That's
what servicing is.
Speaker 2 (15:31):
We have it. We pay us.
Speaker 1 (15:33):
You know, we have a deal with Freddy Mack or
the Federal Home Loan Bank or whoever. But you know
we service those loans on the USDA Community Home Buyers
FAH A v A.
Speaker 2 (15:44):
Those we don't.
Speaker 1 (15:45):
We don't service those we let we we don't we
don't keep the retend. We don't retain those. But any
of the fixed rate and the adjustble rate mortgages that
we offer in the house or or our loans that
we service, we got about what now I guess ten
three and a half billion in.
Speaker 2 (15:58):
Servicing, I think is what it is.
Speaker 1 (16:00):
Regionally, we're definitely a regional banking system Cincinnati, Northern Kentucky, Lexington,
over Louisville up to Columbus with the Union. So we
have another banking entity which is our sister brother sister relationship.
But that just gives us more clout when it comes
(16:21):
to how we are able to acquire the funds used
to purchase your loan on a refi or a purchase.
Speaker 2 (16:28):
Well, between Indiana, Ohio.
Speaker 1 (16:30):
And Kentucky, we do one out of every three loans, right,
you know, and we're probably one of the top three
or four preddymac producers in the country. But we have
free and to have to being in servicing, and that's
why our closing costs are so bad, are so low,
and I go back to that is because we're servicing
the loan. The payback is truly in the payback. The
servicing of the loan is where we make money from
our business portfolio on our footprint here, and that's what
(16:53):
we're trying to do.
Speaker 2 (16:53):
But we're trying. What that does is it makes it
more it's less money out of your pocket, less equity
you're going to forgo to have a loan refinance, and
if you're gonna buy something, we can do these various
same loans on a purchase as well. Five hundred dollars
or on the either eather of the terms, but the
thirty or the fifteen. I just can't implord you enough
to get the paperworkouts. See what you're paying. Let us
let us show you how much weekends. It ain't gonna
(17:15):
take long to break even on five hundred dollars in
closing costs, and you have a month or two without
making a payment, depending on when you close your loan.
Tim And I mean sometimes people, you know, I just
can't Right now, it's the time. I mean, we've been
waiting to get back down to six and a half
for a minute.
Speaker 1 (17:27):
We were there back last September or something for a
short time, and then it went right back up. It
was there for just a few days, and then somebody
said something or the BOS came out and threw some
crazy numbers out there, and then all of a sudden
it's shot back up. So now it is a great
time to take advantage of it. With one phone call,
you can find out what what all is a you know,
what's this going to look like if you did something
(17:49):
like this, and you may be pleasantly surprised when you
get your calculator out. Yeah, eight five nine, eight nine,
nine one nine three six. But I'm gonna give myself
phone number ten. You can give yours, but you can
call me.
Speaker 2 (17:58):
Text me. You know I'll text you back back. Eight
five nine.
Speaker 1 (18:01):
Three two one four three nine three eight five nine
three two one four three nine three. That's my text message.
You give me a call, I'll put it together for
you and Tim. But yourself phone number, well, I've had
some stalkers, so I don't know if I only give.
Speaker 2 (18:11):
Mine out all Dad, you're still trying to sort that out.
It's still searching for you.
Speaker 1 (18:16):
But the main branch in Hamburg is eight five nine,
eight nine, nine one nine three six South and Drives
eight five nine two six three three three three five.
But if you can hear, she can call. We're gonna
take our second break to the day. We hope you're
enjoying your Fourth of July weekend and you hope you
had a big time last night. I hope you do
everything you want to do. Today's be safe. There'll be
some more celebrations going on. We're gonna take a break.
We'll be right back. You are listening to the Welcome
(18:37):
Home Show by Guardian Savings Bank on News Radio six
point thirty.
Speaker 2 (18:41):
W Hell, hey Pete, We'll be right back. You met
listen to Welcome Home Show by Guardian Savings Bank. Pim Adams,
Larry Frake's in here with you this Saturday morning. Happy
fourth of July weekend. Glad you can tune in to us.
Hope you had a great time last night. Don one
gets a few more hours.
Speaker 1 (18:55):
There'll be some more celebrations going on, and you know,
stuff going on all over tail.
Speaker 2 (18:59):
There was enough noise do there?
Speaker 3 (19:00):
Yeah?
Speaker 2 (19:00):
You know usually they go Saturday.
Speaker 3 (19:02):
Night too in my neighborhood.
Speaker 2 (19:04):
Yeah they didn't.
Speaker 1 (19:05):
What economy must be good because there's a lot of
crank and boom going on last night. Yeah, you know,
fun weekend. There's a lot of stuff going on. And uh,
we've been sitting in here harping on the economy and
all kinds of stuff.
Speaker 2 (19:17):
And you know, banks over today from nine to one.
Speaker 1 (19:20):
Butnimber's eight five nine eight nine nine one nine three
six Southland Drives eight five nine two six three three
three three five, So if you can hear, you can
call us once again six point five zero on a
thirty year fix five point seventy five on a fifteen
and we got a closing cost special five hundred dollars
that covers everything that we need to do it to loan,
the appraisal tide of work, long closing processing, you know, underwriting,
(19:44):
whatever the stuff is that you're gonna see on everybody
else's settlement statements.
Speaker 2 (19:47):
And then you know, we.
Speaker 1 (19:48):
Doesn't include the filing fee of eighty dollars prepaid interest
or insurance information if you're going to stro so we
can put it together for it and save you some money.
Speaker 2 (19:57):
To just give us a.
Speaker 1 (19:57):
Call eight five nine eight nine nine one nine three
six South and Drives eight five nine two six thirty
three three three five and we'll be able to help
you with that is too. But bond market's working in
our favors. Some things are happening. Information coming out is
indicating that we need to be probably should have already
had a rate drop that came out earlier this week.
We talked about it, but the Jerome Powell has decided
(20:20):
that he's going to wait and see, you know, what
the tariffs are going to do. So he saw it
in a whole new strategy. Now on the economy. I
guess to prove a point. But something that we hadn't
heard of. We couldn't figure out why. And you know,
he's got something going on that we've never heard of.
But you know we got he'll be there until the
twenty twenty six and then they'll make the change. But
those guys kind of work on their own accord anyway,
married to home date the loan, give us the calls,
(20:41):
Tim said, let us take a look at it. All
you gotta do is make a phone call. If it
makes sense, we'll do it. If not, we won't. They
won't let us do it anyway. That's that ain't happening.
This loan doesn't make any sense. This doesn't work, it's
not safe or whatever. But you can't you don't know
unless you ask. It's not a big deal for us
to do it. But you can give us a call
at any time and we'll be back Mondy for certain.
I give you my cell phone. You can call the
branch eight nine nine nine three six suit to put together.
Speaker 2 (21:03):
So anyhow, Tim, what do you what time?
Speaker 1 (21:06):
Alons you got going on right now. You've got construction
stuff that's completed, inctions that are nearing completion, and once
to trans you know, they'll go over to permanent financing.
So it's a good time for now. The timing's good
for these folks that are finishing their construction and going
to that permanent financing. So's luck has been on their
side now, so they can get a lower rate once
(21:26):
they do go to the permanent financing. Purchases across the
country are still down a little bit, so inventory has
gone up a little bit, so that should help buyers.
You know, with the combination of inventory supplying demand and
interst rates dropping, it should be a good climate.
Speaker 3 (21:45):
For more mortgage business.
Speaker 1 (21:47):
A plethora of different people calling us now to refinance
at these ultra low rates.
Speaker 2 (21:53):
Yeah, well we you know, we really got really busy
for a minute, Tim, and then all of a sudden,
you know, they you know, we're you got stuff going
on overseas, and then people just kind of you know,
the kind of step back, you know, But you said
a couple of weeks ago, Tim, and it's a it's
a different time now because there's thirty three percent more
homes on the market now. Than the worre a year
ago and thirty percent less building permits more more supply
(22:17):
right at the moment, you know, and tell some of
the stuff starts moving. Housers stand on the market now
and what days longer than they have in a long time.
And we just got to get.
Speaker 1 (22:25):
In, you know, get back on the on the snide
on getting some of these things reefinants. If that don't
help people, you know, getting people in homes at a
lower rate. You know, if you've been prequalified at seven
percent or higher, race just went down.
Speaker 2 (22:36):
Your buying power just went up.
Speaker 1 (22:38):
The lower rates go though, guess what the more people
are going to qualify? Tim and then what happens competition?
Right and you know Instaid, you being yelling, bitter looking
at the place. You got fifteen bidders looking at a place.
So and then you know, I tell people all the
time you can do that and then you can refinants,
you know, marry the whole date the loan. And that's
(22:59):
all we want to try to get people to think about.
And at this particular time, this weekend, we've got five
hundred dollars in closing costs. I mean, you're not gonna
find them any cheaper and you interest rate six and
a half percent five point seventy five fifteen, and that
five hundred dollars covers you know, everything but a filing
fee of eighty dollars prepaid interest to make your dudate
on the first and if you decide to scrow, you
(23:19):
got to pay those.
Speaker 2 (23:20):
But other than that, you want to reap an inch.
You can use some of your equity if you want
to pay.
Speaker 1 (23:25):
If you're buying and you're gonna do twenty five percent
down on a purchase, and same thing applies, you know,
seven eighty credits score high. I'm just I keep talking
about it, but we've been waiting for it to give you here, Tim,
and there's been three or four years of everybody buying
and doing.
Speaker 2 (23:40):
Stuff at seven percent or highs.
Speaker 1 (23:41):
Oh yeah, they're out there, and you know it now,
I got told you. You know, you know we've had
them come in at eight and so they're tickled to death.
What's where we are and saving money, saving money and
with our closing costs. You can do it today and
you can do it again six months when it's dropped
to five and a half. Have that's our mentality at
(24:02):
Guardian Savings Bank to help you become mortgage free faster,
and a lot of lenners want to help promote and
paying them so, you know, paying them all faster. So
but we have the recast where you can add ten
thousand dollars or drop your loan balance down and there's
just and we service loan. So we talk about it.
We can week out, but we just want to make
(24:24):
sure that you know. That's that's why we're on here
every week. Hopefully we can get somebody new that hasn't
heard about Guardian Savings Bank and we'll make the call
because in most cases I don't even have to pull
credit to give you a solid, pretty solid estimate based
on what because there are so many credit models out
there for you for free today. So you should have
a good idea what your credit scores are. And if
(24:45):
you have an idea what your balance is, we can
figure out what your income is. We'll maybe you a
little bit idea what you know, what you paid for
the house, so you know, we know what the appreciation
should be. We can only guess on some of the numbers,
but if it makes sense a little good, if it
don't believe they're not going to let us anyway. But
it's just a phone call five nine eight nine nine
one nine three six. I was listened to the radio show.
I want to talk about getting one of the six
and a half percent interest rate for five hundred dollars
(25:07):
closing costs. I want to talk to Timer Larry, you know.
And I say it again, don't get online and call
that eight hundred number up there. They're gonna send e
to somebody up north. And the one time we hear
about it, you know, we want to take care of
our people here locally. You're gonna get a good deal.
You're gonna deal with a good person. But deal with
this locally right here. Dial this local number eight five
nine eight nine nine nine three sixty Google Guardian and
they got an eight hundred number in there and they're
(25:28):
gonna put you with somebody up there that ain't done
nothing in Lexington and I and I don't agree with it.
I said, if they're from this lectionary, let us take
care of it. Because if there's a problem or they
want to stop by the branch.
Speaker 2 (25:37):
They don't know nobody.
Speaker 1 (25:39):
We're still gonna take care of you, but you'll let
us do the loan here on a local level. If
a realtor says, call Guardian, get a phone number, calls
locally eight five.
Speaker 2 (25:46):
Nine eight nine nine one nine three six.
Speaker 1 (25:49):
I mean, I want the bank to growing them to
get all the business, but I want to do local
business right. And that's been our I mean, our claim
to fame. We we generated a big following that Guardian
and I run into people in all walks of life.
And if the conversation goes to mortgage, oh well that's
where I've got my loan. So uh, you know, I
(26:12):
was just casing point this week when I had a
customer call one to call me on Sunday and talk
about it something that was really bothering on an oversight,
and I.
Speaker 2 (26:20):
Was able to give them a piece of money.
Speaker 3 (26:23):
Yeah, gave them a peace of mind.
Speaker 1 (26:24):
And on Monday morning and I'll be all right, don't
worry about it.
Speaker 3 (26:27):
It is what it is. Call this number.
Speaker 2 (26:30):
They'll take good care of you.
Speaker 1 (26:31):
And if they don't call me back, Lon, Lon, that's right,
it's augible down.
Speaker 2 (26:36):
So don't lose any sleep over this, folks. It's no
big deal. You're gonna make it right.
Speaker 1 (26:42):
And we understand that you caught it early and there
hadn't been any forced placing of insurance on your property.
Speaker 3 (26:48):
So work common sense, folks.
Speaker 2 (26:51):
It's you know, that's what That's what we're pride ourselves on,
is customer service. Be local by local and stay local.
Speaker 1 (26:57):
You know, you can get online and do what you
wanna do, you're gonna be on somebody that you never
see and have to deal with in a lot of times,
you know, with the way the internet is, I'll be
honest with you, I don't get to see everybody face
to face that I'm doing business with, you know, just
because of work hours, the convenience, the quickness of it,
the swiftness of it being able to do things on
the internet and over the phone. But Tim, you go
to all your loan clothings. You like to get over
(27:18):
there and give gifts for home buyers. You give them
a housewarming gift and you take care of them. And uh,
you know, and and are the loan officers Lorie Hawkins
and Alex tangle and and Rob McBride, Kyle Madaris, they'll
do the same thing. And you know, Jamie Mortmer, Erin O'Brien,
Jim McKenzie, Alex Malaney, they're over at the Richmond the Southland,
(27:41):
wrote branch Southland and that that phone number is eight
five nine two six three three three three five. We
just want you to call us on these local numbers.
We've been doing this radio show what eighteen years now
night eighteen and a half something, tim all the time.
Why Dean Cruz used to be over there when we
walk in the studio, Remember why Dan? She was Cody
And then we go over dead Air, Dennis and all
of them was around over and we go get Steve
(28:02):
with himed up in the back office and do us
a show.
Speaker 2 (28:05):
And we had over Old next to old Don Jacob.
Wasn't it over on the Winchester Road? It was fun
time went downtown yep. And now we just try a
whole different setup. But we're still knocking it out and
having a good time. But at eighteen years we've been
doing this show on w l A P on Saturday mornings,
(28:28):
right and we'll skipped some every once off, a game
starts early or what have you. But been doing it
for a minute.
Speaker 1 (28:35):
We appreciate all the people listen to us on a
regular basis, and we'll get calls from it and then
some I say, can you talk about this? You talk
about that, and you know, we try to we try
to dress things, you know, talking about doing insurance recently.
You know, I've learned a lot about flood insurance recently
and that's not what I thought it was, you know,
been crazy about that and insurance policies that the way
(28:55):
people you know, get their quotes and get things taken
care of. We've had to be more involved just because
of the volume of claims with this crazy weather we've
had with hail and wind damage and different things, you know,
just massive brains that are creating you know, the wall
around the house to fall down or you know, just
different stuff. And but I've been working with it, been
(29:16):
learning from and get to meet some people. But you know,
we're right here to take care of it. You know,
if you're dealing with somebody that ain't go to presence
in town, you're in trouble. If you're somebody's makes don't
have local presence that they're servicing with, you.
Speaker 2 (29:29):
Know, how do you how do you handle that? Right?
Speaker 3 (29:32):
You know, well, it's you know what we're it's just
peace of mind. Like you know, a the couple that
wanted the piece of mind about their insurance, there's a
lot of peace.
Speaker 1 (29:40):
Of mind about no one who a lot about your
servicing agent. And we know for a fact that a
lot of people were notified that their service and agent
was changing, and sometimes they were went into fraudulent hands.
Speaker 3 (29:52):
I hope they got that cleaned up. That's been a
few years ago.
Speaker 1 (29:55):
But it's just a piece of mind of knowing that
you're going to pay the same people from the start
to the end.
Speaker 2 (30:03):
Yeah, and we're going to be here for you. And
you know, I was telling somebody ever this week.
Speaker 1 (30:07):
Now I'm doing loans for people that for people's kids
that I did loans for here, you know, and I
love it and I appreciate it, you know, proud of
the fact that they feel comfortable sending them to me
and confident in Guardian Savings Bank to make make sure
we have the best deal.
Speaker 2 (30:20):
And we do. And once them kids get in the family,
they'll be here forever.
Speaker 1 (30:23):
When they realize that we're here for them, We're going
to help them, We're going to take care of things
and make sure everything's working like they're supposed to. So,
you know, I'm proud of this place and what we
do and how we do it. I just want people
to recognize that you know, be local to stay local
by local.
Speaker 3 (30:37):
We're all here, we're.
Speaker 1 (30:38):
Living together, let's work together and makes things happen, do
a lot of stuff around the community. We're gona take
another break. We'll be right back for a last segment.
We appreciate you joining us today. The bank is over
today from nine to one on numbers eight five, nine,
eight nine, nine one nine three six South and Drives
eight five nine two six three three three three five.
Speaker 2 (30:54):
You can hear you can call us five dollars.
Speaker 1 (30:56):
Clothing costs and listen to Welcome Home Show by Guardian
Davy's Bank on news Radio checks thirty eight w l at.
Speaker 2 (31:04):
We'll be right back. Straw MERESHI you're.
Speaker 1 (31:06):
Back listening to Welcome Home Show by Guardian Savings Bank.
Tim and Adams Larry Frits in here with you this
Saturday morning.
Speaker 2 (31:11):
We're glad to have you tuned into US. Banks open
today from nine to one.
Speaker 1 (31:15):
Phone numbers eight five, nine, eight nine nine one nine
three six Southland Drives eighty five nine two six three
three three three five five hundred dollars closing costs.
Speaker 2 (31:24):
Got a six and a.
Speaker 1 (31:25):
Half on a thirty or fix five point seventy five
on a fifteen. That's a holiday special. And we know
that everybody's hopefully having a good time this holiday weekend.
Speaker 2 (31:32):
We've got a little piece.
Speaker 1 (31:33):
We're gonna play a little version of UH information on
our flag and Johnny Cash did and you know something
that I've listened too many times, and Tim and I
thought we'd put.
Speaker 2 (31:42):
It out there for you.
Speaker 1 (31:43):
Guys are here today to kind of wind the show down,
So that'll play here for a little bit.
Speaker 2 (31:47):
We hope you guys have a good Fourth of July weekend.
Be safe. We appreciate everything you do. I'm glad to
be an American.
Speaker 1 (31:52):
I'm proud to be an American, and uh, I feel
you know that I'm a patriot. I know Tien is
and we get a lot of people listening to this
show and and I wish there was more unity and
more high on meetings that aren't offensive to people. But
we're just in a crazy world right now. But really,
you know, a lot of people sacrifice a lot of things,
and our independence, you know, it's iyronic, you know that
(32:14):
all this crazy stuff going on, but our independence is
really well, how you know him? I can't, I can't
Fourth of July has always been something I look forward
to a year in and year out. You know, other
than dog owners and people that are don't like cloud noises,
you know.
Speaker 2 (32:27):
I love seeing a good Fourth of July celebration.
Speaker 1 (32:29):
So we hope you get out and enjoy this weekend,
have a good I hope you had a good time
last night. I hope you have a good time to
seeing it and you're safe with it. And you know,
we appreciate you tuning into us once again. Five hundred
dollars closing costs and and we'd be glad to talk
to you. So you have a great opportunity to save
us some money. We'll put everything in here to get
everything in line for you. Just give us a call.
(32:50):
It won't take very long. We get most information over
the phone. We don't have to pull a credit reporters
ten you mentioned it earlier. Here's a couple of resources
out here you can look at that. They're completely different.
And I've had people pulling them up. It's all my
credit scores, you know, seven eighty seven. Then we pulled
it's eight oh four. And I've had them say it's
eight oh four. We pull it a seven eighty seven.
So it's not always accurate and on point for us,
but we can make the best out of it, make
(33:11):
sure pans out.
Speaker 3 (33:13):
But well, that's where we.
Speaker 1 (33:15):
Can't guarantee our closing costs until we pull the credit yep.
And if you've got an idea what you got going on,
and we have a clue, then you know, like I said,
if it doesn't make sense, but we can get a
plan together, marry the home and date the loan. But folks,
I'm telling you, five hundred always covers everything we need
to put your loan together, other than a filing fee
and your escros and making your due date the first
of the month. So that's called pre paid interest. But
(33:36):
we can do it. Generally it's nine forty eight, but
right now it's five hundred. Take advantage of it. Get
two fifty application fee that's half of it, and then
the other two fifty a closing but that's the appraisal,
time of work processing. Anything we need to put the
loan together is covered in the five hundred. But I
was just going to say, you know, sometimes you go
to a car lot looking to purchase a car, and
when we get these credit reports back, eight different lenders
(33:58):
have taken a peek at your credit and you know
it is what it is. But some people are kind
of alarmed by that. They see so many inquiries. When
do you have went to one car lot because they're
shopping different independent lenders when you go do that, Well,
you want to have that here? Yeah, and we'll try
to wait, you know we we I'm from Hope. Not
having your credit pulled that many times. Well, and you're
(34:20):
if you're buying a refinancing, you got a two week
window to get as many as you want with that
effect in your score. But if you just get the
if you get one from anybody, then you can say, hey,
we just got it from over here at UK Federal
Credit Union and this is what they said, or we'll
get gone for now. Yeah, you let us get it
and you can call and shop around tell them what
we said the score was. But we hope everybody has
a great Fourth of July weekend. Happy Birthday American. The
freedom and independence that we have be safe for the
(34:42):
rest of the evening and the rest of the weekend.
Give us a call here eight five nine eight nine
nine nine three six South and Drives two six three
three three three five, Happy Fourth of July for Ken Adams.
I'm Larry Frakes, will be back next Saturday. You've been
listening to Welcome Home Show by Guardian Savings Bank on
news radio six thirty w LA.
Speaker 4 (35:00):
I walked through a county courthouse square on a park bench,
and old man was sitting there. I said, your old
courthouse is kind of run down. He said, no, it'll
do for our little town. I said, your old flag
pole is leaned a little bit, and that's a ragged
old flag you gotta.
Speaker 2 (35:19):
Hanging on it.
Speaker 4 (35:21):
He said, to have a sea And I said, down.
Is this the first time you've been to our little town.
I said, I think it is. He said, I don't
like to brag, but we're kind of proud of that
ragged old flag.
Speaker 2 (35:39):
You see.
Speaker 4 (35:40):
We got a little hole in that flag there when
Washington took it across his Delaware and it got powder
burned the night that Francis Scott Key said, washing it
right and say can you see? And it got a
bad rip in New Orleans with Packingham and Jackson tugging
(36:03):
at it seams, and it almost fell at the Alamo
beside the Texas flag.
Speaker 3 (36:10):
But she waved on though.
Speaker 4 (36:14):
She got cut with the sword at Chancellorsville, and she
got cut again at Shiloh Hill. There was Robert E.
Lee bore a garden bragg, and the south wind blew
hard on that ragged old flag on flanders Field. In
World War One she got a big hole from a
(36:36):
birth of gud. She turned blood red. In World War
two she hung limp and low.
Speaker 2 (36:44):
A time or two.
Speaker 4 (36:47):
She was in Korea, Vietnam, she went where she was
sent by her uncle Sam. She waved from our ships
upon the briny foam. And now they've about away from
back years.
Speaker 2 (37:01):
Home in her own good land.
Speaker 4 (37:04):
Here she's been abused, she's been burned, dishonored, denied and refused,
and the government for which she stands is scandalized throughout
the land. And she's getting threaded there and she's wearing thin.
But she's in good ship when her ship she's in
because she's been through the fire before, and I believe
(37:28):
she can take a whole lot more. So we raise
her up every morning, we take her down every night.
We don't let her touch the ground, and we fold
her upright. On a second thought, I do like to
brag because I'm mighty proud of that ragged old clo
Good morning, like continue listening to Welcome Home Show by
Guardian Davings Bank. I'm Larry fraiks tim Adna's in here
with you this holiday weekend. Happy fourth of July. Everybody.
Hope you're out having a good time today. I hope you
had a good time yesterday, and enjoy the weekend. Little
three day soire out in the heat. I guess these
afternoon rains and stuff are kind of off and on,
but it is what it is, so anyway, happy for
(00:29):
the July Welcome to the Welcome Home Show.
Speaker 2 (00:32):
Banks open to day from nine to one.
Speaker 1 (00:34):
Numbers eight five nine, eight nine nine one nine three
six South and drives eight five nine two six three
three three three five. So if you can hear, you
can call us. Rates are in pretty good shape. Six
and a half on a thirty finally, and we're down
to five point seven five and with the those are
five hundred dollars closing costs, So six and a half
(00:55):
on a thirty and five point seven five on a
fifteen five hundred and that's.
Speaker 2 (01:00):
You know, that's good.
Speaker 1 (01:02):
At this vent we're nine hundred and forty eight bucks
TOI and I've been talking about that but they've got
a special going in. I don't know if it's a
holiday special, but anyway, hanging in there on that and
give us the calls if we could put something together
for you. Well, what we're seeing is market it's correcting
a little bit, and then in the favor of bonds
more specifically ten year treasuries, which we talk about weekend
week out conditions are becoming more favorable too. And uncertainly
(01:25):
is is not as much on investors' minds when they
get into bonds as investments. They are long, you know,
ten year terms, and they have a you know, they're
not as attractive as stocks. But certainly there's a lot
of money that comes into the prospect that America.
Speaker 3 (01:42):
Will return, the economy is going to come back strong.
Speaker 1 (01:45):
Will they've come back with all this there's a little
match between I guess Jerome Fauci or Jerome Pound and
Trump from what I understand, because he's he's holding off.
He said, we would have already lowered the rates that
if we didn't, if we knew what these tariffs.
Speaker 2 (01:58):
We're going to do. That is uh.
Speaker 1 (02:00):
Once again, you got somebody gonna they're bigger than the
public and the opinion of the voters who put somebody
in office, and they're going to you know, so they're
in a little match to see who's more powerful, I guess,
and Jerome Pounds an appointed person by the Federal Reserve,
and they you know, so the twenty six he'll.
Speaker 2 (02:14):
He'll be you know, he'll be gone anyway.
Speaker 1 (02:16):
But unfortunately a lot of oversight well exactly right, and
the thing is and you know, it's all controlled by
that ain't controlled by the government that you know, we
got our topic. Yeah, but I mean it's just pretty
obvious that that they expected ninety three thousand jobs and
the jobs report this week and they lost thirty three
thousand jobs.
Speaker 2 (02:34):
And that's really what this is based on. So in
you the stuff that you and I.
Speaker 1 (02:38):
Grow up on and what we try to quote people
on is information based on reports that come in and
then we can you know, decide from then what we're
going to do to help the next you know, help
our clients. But when he's got this little issue that
he's decided, there's a whole other factor here and then
their decision making. It's never never been anything that we've
we've had to deal with. Tim I said, we we
(02:59):
we're looking at unemploy rates and inflation and all these
different things, and now they punt another wrinkle into it.
So he just gonna go ahead and do what he's
gonna do. But he made it clear on this past Tuesday,
you know, he was, Yeah, they would have already lowered
the rates if they know how these tears are gonna
affect everybody.
Speaker 2 (03:15):
Okay, yeah, it's okay, it's just getting it.
Speaker 1 (03:18):
You know, we're paying how much you know on our debt,
so anyway, but you're right to ten year bond is
what dictates this. We're six and a half on a
thirty five point seventy five on a fifteen, it's five
hundred dollars in closing costs. Just give us a call
eight five nine, eight nine nine one nine three six,
say hey, I want to check out this rate. And
if you bought a house the last couple of years,
get your mortgage out.
Speaker 2 (03:38):
You don't have to. There's no prepainted penalties on very
seldom on these mortgages any longer. And give us a call.
Speaker 1 (03:43):
For five hundred dollars, you can refinance your house and
maybe get rid of mortgage insurance. But you can go
from seven percent to six and a half anything a'm
seven percent or higher for five hundred dollars closing costs.
Speaker 2 (03:54):
It ain't gonna take you too off along to break even.
Speaker 1 (03:57):
You're gonna you know a lot of people think tim
still to this day, have one percent rate drop for
it to makes sense to refinense.
Speaker 2 (04:02):
Yes, if you're spending ten.
Speaker 1 (04:04):
Thousand dollars in closing costs, you better have a one
percent rate drop that that day's the case when it
cost you.
Speaker 2 (04:08):
Five hundred dollars. Preachy, Larry, preach.
Speaker 1 (04:11):
Just people, you know, sometimes they just you know when
we talked about this year ago, that drive across town
to save ten cents on a gallon of gas, but
they'll continue to pay seven and a half interest, right
when they could have six and a half and five
hundred dollars in closing costs that save them seven hundred
fifty dollars a month. How much it taking break it
even to them less of a month, you know what
I mean? And they're just and then you got two
months without making a payment. But people will get online,
(04:32):
they'll be with US Rocket and everything else out there
and pay thirteen fourteen thousand dollars no out of pocket.
But they're going to eat up all their equity paying
closing costs.
Speaker 2 (04:39):
To these people. So you know, it's just you know,
I am glad.
Speaker 1 (04:43):
I mean we've kicked around here, and you know, people
try to compete with us on closing costs and stuff,
but it's.
Speaker 2 (04:47):
Hard to be sure it is.
Speaker 1 (04:48):
I mean, you go somewhere else, you're going to pay
lenders title insurance.
Speaker 3 (04:51):
I mean we talked.
Speaker 1 (04:52):
It's you know, this is old news if you're a
long time listener. But if you're not, and you hear
something that says, well, guardian, can they can't do that? Well,
yes we can if you pose the right scenario, which
is a credit score and your loan to value. It's
very important in determining your refinands. If you're at twenty
five percent equity and your property right now and your
(05:13):
score is seven eighty or above. Our total closing costs
including appraisal is about nine hundred and twenty five dollars,
and that includes the recording of the new paperwork at
the courthouse.
Speaker 3 (05:25):
It's all in one.
Speaker 1 (05:26):
We're able to pay some those speech for you if
you present that you know strong of.
Speaker 2 (05:30):
A file, you're correct on all that.
Speaker 1 (05:32):
But it's five hundred dollars and then five hundred dollars
closing special right now, yes, nine forty eight generally.
Speaker 2 (05:37):
Yeah, and now dollars everything. So it's five hundred dollars.
Speaker 1 (05:40):
I mean, it's two fifty application fee and then the
other two fifty pay you know, we're we're going to
service the loan folks, so that the paybacks and the payback,
but that five hundred dollars covers the appraisal, the title work,
the loan closing processing, the underwriting, and all the things
that we've got to do.
Speaker 3 (05:55):
And that's on any rate in term.
Speaker 2 (05:57):
That's on the six and a half, on the five
point seven five. Got you?
Speaker 1 (06:00):
So yes, I guess if you did a twenty it
would probably apply as well. But that's not what they've quoted,
you know, us on And that's okay. Well, I've been
out of town for a couple of days later, so
I'm just catching up.
Speaker 2 (06:10):
Yeah no, no, no, that's fine. I mean, but it's you know,
I just want, I just want, you know, and you've
got to stay in tune with these facts that we're
talking about. Yeah.
Speaker 1 (06:19):
Well, I mean, you're right, nine forty eight is what
it would be otherwise, But we're down to five.
Speaker 2 (06:22):
Fine.
Speaker 1 (06:23):
We used to do them for two fifty. You know,
that was our plan of fame. So that's just one
of the things that we can't you know, control is
in is the cost of stuff. But we're willing to
I guess you could call it a holiday special fourth
of July specially, you know, let's light this place up.
Speaker 2 (06:36):
And they save you some money on your mortgage. You
know what I'm saying.
Speaker 3 (06:39):
Let's blow up that old payment and new one.
Speaker 2 (06:42):
Yeah, blow up the old payment. Let's fizzle it out.
Speaker 1 (06:44):
Ye put it on a fuse, burn it up, and
then get something else going. And a lot of people,
you know, they just won't take a look. They won't
take a look and see what's available to them, and
then you know they'll miss the boat here. But if
you bought a house last two or three years, I
promise you're seven percent or higher unless you bought the
rate down or did a fifteen year And if we
can get you a five point seven five or five
(07:05):
hundred dollars in closing costs for six and a half
on a thirty year fixed, I don't care if you've
been in the house four months, eight months, whatever, give
us a call. If you've been in there twenty four
months and if you want to stay on the same
term and you'll want to start back over on a thirty,
then that's fine. You know, we'll go ahead and put
everything in place that we have to do. But you know,
we can do twenty eight years and two months. We
(07:25):
can do you know, fourteen years and three months.
Speaker 2 (07:29):
Whatever. We can keep your payment the same, the lord
of the tournam.
Speaker 1 (07:32):
If that's what you want to do, just keep you
on task and you'll have more bang for your buck
with the payment.
Speaker 2 (07:35):
Anyway. We can put it on any term down to
ten years.
Speaker 1 (07:37):
We can do seventeen years and eight months, twenty one
years and two months, twenty six years and eight months, whatever.
You know, we'll keep it the same and it's still
going to be five hundred bucks. And guess what comes
with us? As I had a text message this week
giving me a pat on the back for our customer
service in mind specifically as well as the.
Speaker 3 (08:00):
Bank's customer service.
Speaker 1 (08:02):
Uh uh oh forgot to pay their home insurance premium
on us due in June and mistakenly thought they had
set up escros. To realize that they had not set
up escros because they wanted to keep track of their
insurance and it made sense, but it's a human error
and h But guess what, Larry. They called me on
(08:23):
a Sunday and said, would you take our call? And said, absolutely,
I will. You know, I don't know what time it was,
and I just gave them the case. I said, we
weren't going to do anything to Monday, obviously, but this
isn't a big deal. Don't sweat it. We'll just get
your agent with on a three way call on Monday
morning and we'll we'll get this worked out where there's
proof of coverage on the home and they shouldn't they won't.
(08:45):
You know, sometimes a lender will force place insurance if
they find out if there's been a lapse in coverage.
But in this case, so.
Speaker 3 (08:53):
Then they didn't have to worry all day Sunday, Larry.
They didn't have to worry about it.
Speaker 1 (08:57):
They felt confident that, you know, I knew what I
was talking about and it wasn't gonna be a big
deal because I just had it happen. Earlier in the week,
another customer had missed their insurance premium due date by
one day and they were panicking and they call me yeah,
and I set them at ease, put them in the
right place.
Speaker 2 (09:16):
Problem solved. Well, you know, it's the same thing here.
I've had.
Speaker 1 (09:19):
It happened a couple of times over the years, not
very often where you got till the fifteenth to make
your payment to sixteenth that's considered late. And some may
get on vacation or whatever and never miss a payment
and then get you know, they don't want to have
a late fee. And we've been able to work and
around those on occasion. Just depends on your total history.
And you know that's the best part about its Be local,
by local and stay local. You can if you're dealing
(09:39):
with us, I mean where you know, when something comes up,
then you've got by somebody here locally that you can
call and talk to.
Speaker 2 (09:46):
And that's what I'm saying.
Speaker 1 (09:47):
You can you can get online to do whatever you want,
but when you need somebody, guess what you're going to
get a push button person and an AI response.
Speaker 2 (09:54):
Yeah, thank you, Peggy, it's just Peggy. Yeah. So I
mean it's just.
Speaker 1 (09:58):
You know, you want to do something for your local
people and people you can run around with ten hecky,
it take you out to lunch and buy beers down
at the UK football game or whatever, and or a
drink or whatever. And yeah, we're just ready word to
we live here, you know, the people we use live here,
and we're just be local by local and stay local.
Let us help you and then if you have issues
or problems, you can call us, you can stop in
(10:20):
the bank. I've had four or five people come in
the bank this week on insurance stuff. You know, we've
had a little change in how we process insurance claims
and if the weather being what it is and some
of the crazy stuff that's happened, we got a lot
of people getting worked on their house right now and
so just putting all those things together. But you know,
I'll run out to the parking lot and take care
of it and sometimes I don't even come in the branch.
Speaker 2 (10:41):
And it's just customer service, you know. And that's what
you're that's what you're getting.
Speaker 1 (10:46):
But five hundred dollars in closing costs and six and
a half percent interest rate or five point seventy five
on a fifteen year where in the town are you
gonna get any cheaper?
Speaker 2 (10:55):
And that there ain't gonna be no.
Speaker 1 (10:56):
Surprise, you know, you got to have a checking account
with us, and there's gonna be a pre you paying
a penalty or you know, you get there and all
of a sudden, there's other stuff on our five hundred dollars,
and what's going to cost to put your loan together.
There's gonna be a recording fee of about eighty pre
paid interest to make sure your due date just comes
upon the first, because you're use and then paying a mortgage.
And then if you're going to set up scrows, that's
(11:17):
what we're talking about interesting prepaid interest. So I'm saying
we'll set the interest on we'll make us you do
on the first, and that could be ten days, four days,
depends on when we close the loan. So you got
five hundred dollars in cost, you get your loan done,
you've got eighty dollars recording fee and then prepaid interest.
Whereas if you close on the fifteenth, we're going to
make sure we get the due date to the first,
you know, and then if you set up scrows, we'll
(11:38):
adjust that to make sure that everything's collected and we
have enough money to pay the accounts when they come
due and in fall for your taxes and then whenever
your homeowner's insurance, when that comes to then we'll have
enough in there to take care of that as well.
So we're here to help you. We've got a good plan,
we've got great closing costs. Rates are getting better, and
if you've got something the last you know, a couple
(11:58):
of years, if you bought something, you're gonna be over
seven percent. So just to get your paperwork out, let
us know what it is. Give us a call eight
five nine eight nine nine one nine three six.
Speaker 2 (12:08):
Let's listen to the radio show.
Speaker 1 (12:10):
Don't go online and call that eight hundred number. You're
gonna wind up getting somebody from northern Kentucky or Cincinnati,
and they will not let us work with you on
the local level. They will when you have a problem,
but if you want to deal with us locally, you know,
when you need to change something, I'd rather have you
come to the desk. Let's have a relationship. Let's get
stuff going here with us, and we'll go from there.
So don't panic on any of that, but just you know,
(12:31):
stay in touch and we'll get everything put together. But anyway,
we're gonna take our first break of the day. Banks
open to day from nine to one phone numbers eight five, nine, eight, nine,
nine one nine three six South and Drives eight five
nine two sixty three three three three five.
Speaker 2 (12:45):
If you can hear, you can call us.
Speaker 1 (12:46):
You're listening Welcome Home Show by Guardian Savings Bank on
news radio.
Speaker 2 (12:50):
That's TUDS Radio six thirty w LAP. We'll be right
back your bag.
Speaker 1 (12:55):
Listen to Welcome Home Show by Guardian Savings Bank. Phone
number here in Hamburg eight five nine, eight nine nine
nine three six South and Drive eight five nine two
six three three three three five. You can hear if
she calls. Happy for the July we've got a break
specially going on. We need to make sure we can
get some people in to know on that. If you're
sitting around today trying to recover from your Fourth of
July celebration last night and getting ready to go again
(13:16):
today and you're just chilling, get your paperwork out. If
you're paying anything above seven percent, we can refinanciate to
six and a half percent for five hundred dollars in
closing costs five point seventy five on a fifteen years.
Speaker 2 (13:27):
So give us a call.
Speaker 1 (13:28):
Let us have a look at it so that we
can put together for you. That includes your appraisal, todd
of work, processing everything but he s crows, and the
filing fee and making your dudate on the first of
the month. So just keep that in mind, and if
we can put something together. I just know how long
have been.
Speaker 2 (13:42):
I guess the last four years, isn't it, tim that.
Speaker 1 (13:44):
If you would have anything above seven I don't think
it's been. If they bought something the last four years,
you know it's gonna be around six point seven five
six and a half on a thirty, five point seventy
five on a fifteen anything anybodys pay anything about the
last four years, but it's kind of more than most
likely above seven percent. And for five hundred dollars in
closing costs, it ain't gonna take you long to break even.
(14:05):
People drive across town that's saved ten cents on a
gallon of gas, but they'll sit there and pay seven
and a half seven above seven percent on a mortgage.
And you can refinance any time with anybody. Marry the
home date the loan. Now's the time, and if it
goes down again, we'll do it again. It might be
nine hundred and forty eight dollars. But if you give
us a call Monday or today or Sunday, I'll give
you my cell phone number.
Speaker 2 (14:26):
Ten.
Speaker 1 (14:26):
Well, you can give yours and call us, you know,
anytime over the weekend, and we'll get some information. We
might not have all the answers because of service, you know,
we can't get access to But other than that, you know,
we can talk to you about what's going on. But
six point despive on the thirties, five point seventy five
on fifteen five hundred dollars in closing costs, you're not
gonna find a better deal in anyplace else. And there ain't
no tricks, all right, it's you know, you're get what
(14:47):
you qualify for is what you're gonna get, and we'll
use it whatever means necessary to help you understand the process.
And you can shop around and see what else is
out there. But we're in the game. I don't know
that you're gonna find a better read or better closing costs.
I don't know where's gonna be. And at nine forty
eight is pretty darn good clothing costs. But now we're
down to five hundred and the reason is we're gonna
service the loan folks. And what's that mean is we're
(15:09):
gonna trade paper with Fannie Mae and Freddie or Fanny made,
Freddy Mack or the Federal Home Loan Bank, but you're
gonna pay Guardian. You might get a notice it somewhere
down the road that Freddie Mac owns your mortgage, but
you're still gonna pay Guardian. And you're still gonna be
able to call on say a Tim, my insurance changed,
I need to do this, or Larry.
Speaker 2 (15:25):
My my payment change. What's happened?
Speaker 1 (15:26):
We go back to say all your taxes went up
or your homeowners insurance went up. We're still gonna That's
what servicing is.
Speaker 2 (15:31):
We have it. We pay us.
Speaker 1 (15:33):
You know, we have a deal with Freddy Mack or
the Federal Home Loan Bank or whoever. But you know
we service those loans on the USDA Community Home Buyers
FAH A v A.
Speaker 2 (15:44):
Those we don't.
Speaker 1 (15:45):
We don't service those we let we we don't we
don't keep the retend. We don't retain those. But any
of the fixed rate and the adjustble rate mortgages that
we offer in the house or or our loans that
we service, we got about what now I guess ten
three and a half billion in.
Speaker 2 (15:58):
Servicing, I think is what it is.
Speaker 1 (16:00):
Regionally, we're definitely a regional banking system Cincinnati, Northern Kentucky, Lexington,
over Louisville up to Columbus with the Union. So we
have another banking entity which is our sister brother sister relationship.
But that just gives us more clout when it comes
(16:21):
to how we are able to acquire the funds used
to purchase your loan on a refi or a purchase.
Speaker 2 (16:28):
Well, between Indiana, Ohio.
Speaker 1 (16:30):
And Kentucky, we do one out of every three loans, right,
you know, and we're probably one of the top three
or four preddymac producers in the country. But we have
free and to have to being in servicing, and that's
why our closing costs are so bad, are so low,
and I go back to that is because we're servicing
the loan. The payback is truly in the payback. The
servicing of the loan is where we make money from
our business portfolio on our footprint here, and that's what
(16:53):
we're trying to do.
Speaker 2 (16:53):
But we're trying. What that does is it makes it
more it's less money out of your pocket, less equity
you're going to forgo to have a loan refinance, and
if you're gonna buy something, we can do these various
same loans on a purchase as well. Five hundred dollars
or on the either eather of the terms, but the
thirty or the fifteen. I just can't implord you enough
to get the paperworkouts. See what you're paying. Let us
let us show you how much weekends. It ain't gonna
(17:15):
take long to break even on five hundred dollars in
closing costs, and you have a month or two without
making a payment, depending on when you close your loan.
Tim And I mean sometimes people, you know, I just
can't Right now, it's the time. I mean, we've been
waiting to get back down to six and a half
for a minute.
Speaker 1 (17:27):
We were there back last September or something for a
short time, and then it went right back up. It
was there for just a few days, and then somebody
said something or the BOS came out and threw some
crazy numbers out there, and then all of a sudden
it's shot back up. So now it is a great
time to take advantage of it. With one phone call,
you can find out what what all is a you know,
what's this going to look like if you did something
(17:49):
like this, and you may be pleasantly surprised when you
get your calculator out. Yeah, eight five nine, eight nine,
nine one nine three six. But I'm gonna give myself
phone number ten. You can give yours, but you can
call me.
Speaker 2 (17:58):
Text me. You know I'll text you back back. Eight
five nine.
Speaker 1 (18:01):
Three two one four three nine three eight five nine
three two one four three nine three. That's my text message.
You give me a call, I'll put it together for
you and Tim. But yourself phone number, well, I've had
some stalkers, so I don't know if I only give.
Speaker 2 (18:11):
Mine out all Dad, you're still trying to sort that out.
It's still searching for you.
Speaker 1 (18:16):
But the main branch in Hamburg is eight five nine,
eight nine, nine one nine three six South and Drives
eight five nine two six three three three three five.
But if you can hear, she can call. We're gonna
take our second break to the day. We hope you're
enjoying your Fourth of July weekend and you hope you
had a big time last night. I hope you do
everything you want to do. Today's be safe. There'll be
some more celebrations going on. We're gonna take a break.
We'll be right back. You are listening to the Welcome
(18:37):
Home Show by Guardian Savings Bank on News Radio six
point thirty.
Speaker 2 (18:41):
W Hell, hey Pete, We'll be right back. You met
listen to Welcome Home Show by Guardian Savings Bank. Pim Adams,
Larry Frake's in here with you this Saturday morning. Happy
fourth of July weekend. Glad you can tune in to us.
Hope you had a great time last night. Don one
gets a few more hours.
Speaker 1 (18:55):
There'll be some more celebrations going on, and you know,
stuff going on all over tail.
Speaker 2 (18:59):
There was enough noise do there?
Speaker 3 (19:00):
Yeah?
Speaker 2 (19:00):
You know usually they go Saturday.
Speaker 3 (19:02):
Night too in my neighborhood.
Speaker 2 (19:04):
Yeah they didn't.
Speaker 1 (19:05):
What economy must be good because there's a lot of
crank and boom going on last night. Yeah, you know,
fun weekend. There's a lot of stuff going on. And uh,
we've been sitting in here harping on the economy and
all kinds of stuff.
Speaker 2 (19:17):
And you know, banks over today from nine to one.
Speaker 1 (19:20):
Butnimber's eight five nine eight nine nine one nine three
six Southland Drives eight five nine two six three three
three three five, So if you can hear, you can
call us once again six point five zero on a
thirty year fix five point seventy five on a fifteen
and we got a closing cost special five hundred dollars
that covers everything that we need to do it to loan,
the appraisal tide of work, long closing processing, you know, underwriting,
(19:44):
whatever the stuff is that you're gonna see on everybody
else's settlement statements.
Speaker 2 (19:47):
And then you know, we.
Speaker 1 (19:48):
Doesn't include the filing fee of eighty dollars prepaid interest
or insurance information if you're going to stro so we
can put it together for it and save you some money.
Speaker 2 (19:57):
To just give us a.
Speaker 1 (19:57):
Call eight five nine eight nine nine one nine three
six South and Drives eight five nine two six thirty
three three three five and we'll be able to help
you with that is too. But bond market's working in
our favors. Some things are happening. Information coming out is
indicating that we need to be probably should have already
had a rate drop that came out earlier this week.
We talked about it, but the Jerome Powell has decided
(20:20):
that he's going to wait and see, you know, what
the tariffs are going to do. So he saw it
in a whole new strategy. Now on the economy. I
guess to prove a point. But something that we hadn't
heard of. We couldn't figure out why. And you know,
he's got something going on that we've never heard of.
But you know we got he'll be there until the
twenty twenty six and then they'll make the change. But
those guys kind of work on their own accord anyway,
married to home date the loan, give us the calls,
(20:41):
Tim said, let us take a look at it. All
you gotta do is make a phone call. If it
makes sense, we'll do it. If not, we won't. They
won't let us do it anyway. That's that ain't happening.
This loan doesn't make any sense. This doesn't work, it's
not safe or whatever. But you can't you don't know
unless you ask. It's not a big deal for us
to do it. But you can give us a call
at any time and we'll be back Mondy for certain.
I give you my cell phone. You can call the
branch eight nine nine nine three six suit to put together.
Speaker 2 (21:03):
So anyhow, Tim, what do you what time?
Speaker 1 (21:06):
Alons you got going on right now. You've got construction
stuff that's completed, inctions that are nearing completion, and once
to trans you know, they'll go over to permanent financing.
So it's a good time for now. The timing's good
for these folks that are finishing their construction and going
to that permanent financing. So's luck has been on their
side now, so they can get a lower rate once
(21:26):
they do go to the permanent financing. Purchases across the
country are still down a little bit, so inventory has
gone up a little bit, so that should help buyers.
You know, with the combination of inventory supplying demand and
interst rates dropping, it should be a good climate.
Speaker 3 (21:45):
For more mortgage business.
Speaker 1 (21:47):
A plethora of different people calling us now to refinance
at these ultra low rates.
Speaker 2 (21:53):
Yeah, well we you know, we really got really busy
for a minute, Tim, and then all of a sudden,
you know, they you know, we're you got stuff going
on overseas, and then people just kind of you know,
the kind of step back, you know, But you said
a couple of weeks ago, Tim, and it's a it's
a different time now because there's thirty three percent more
homes on the market now. Than the worre a year
ago and thirty percent less building permits more more supply
(22:17):
right at the moment, you know, and tell some of
the stuff starts moving. Housers stand on the market now
and what days longer than they have in a long time.
And we just got to get.
Speaker 1 (22:25):
In, you know, get back on the on the snide
on getting some of these things reefinants. If that don't
help people, you know, getting people in homes at a
lower rate. You know, if you've been prequalified at seven
percent or higher, race just went down.
Speaker 2 (22:36):
Your buying power just went up.
Speaker 1 (22:38):
The lower rates go though, guess what the more people
are going to qualify? Tim and then what happens competition?
Right and you know Instaid, you being yelling, bitter looking
at the place. You got fifteen bidders looking at a place.
So and then you know, I tell people all the
time you can do that and then you can refinants,
you know, marry the whole date the loan. And that's
(22:59):
all we want to try to get people to think about.
And at this particular time, this weekend, we've got five
hundred dollars in closing costs. I mean, you're not gonna
find them any cheaper and you interest rate six and
a half percent five point seventy five fifteen, and that
five hundred dollars covers you know, everything but a filing
fee of eighty dollars prepaid interest to make your dudate
on the first and if you decide to scrow, you
(23:19):
got to pay those.
Speaker 2 (23:20):
But other than that, you want to reap an inch.
You can use some of your equity if you want
to pay.
Speaker 1 (23:25):
If you're buying and you're gonna do twenty five percent
down on a purchase, and same thing applies, you know,
seven eighty credits score high. I'm just I keep talking
about it, but we've been waiting for it to give you here, Tim,
and there's been three or four years of everybody buying
and doing.
Speaker 2 (23:40):
Stuff at seven percent or highs.
Speaker 1 (23:41):
Oh yeah, they're out there, and you know it now,
I got told you. You know, you know we've had
them come in at eight and so they're tickled to death.
What's where we are and saving money, saving money and
with our closing costs. You can do it today and
you can do it again six months when it's dropped
to five and a half. Have that's our mentality at
(24:02):
Guardian Savings Bank to help you become mortgage free faster,
and a lot of lenners want to help promote and
paying them so, you know, paying them all faster. So
but we have the recast where you can add ten
thousand dollars or drop your loan balance down and there's
just and we service loan. So we talk about it.
We can week out, but we just want to make
(24:24):
sure that you know. That's that's why we're on here
every week. Hopefully we can get somebody new that hasn't
heard about Guardian Savings Bank and we'll make the call
because in most cases I don't even have to pull
credit to give you a solid, pretty solid estimate based
on what because there are so many credit models out
there for you for free today. So you should have
a good idea what your credit scores are. And if
(24:45):
you have an idea what your balance is, we can
figure out what your income is. We'll maybe you a
little bit idea what you know, what you paid for
the house, so you know, we know what the appreciation
should be. We can only guess on some of the numbers,
but if it makes sense a little good, if it
don't believe they're not going to let us anyway. But
it's just a phone call five nine eight nine nine
one nine three six. I was listened to the radio show.
I want to talk about getting one of the six
and a half percent interest rate for five hundred dollars
(25:07):
closing costs. I want to talk to Timer Larry, you know.
And I say it again, don't get online and call
that eight hundred number up there. They're gonna send e
to somebody up north. And the one time we hear
about it, you know, we want to take care of
our people here locally. You're gonna get a good deal.
You're gonna deal with a good person. But deal with
this locally right here. Dial this local number eight five
nine eight nine nine nine three sixty Google Guardian and
they got an eight hundred number in there and they're
(25:28):
gonna put you with somebody up there that ain't done
nothing in Lexington and I and I don't agree with it.
I said, if they're from this lectionary, let us take
care of it. Because if there's a problem or they
want to stop by the branch.
Speaker 2 (25:37):
They don't know nobody.
Speaker 1 (25:39):
We're still gonna take care of you, but you'll let
us do the loan here on a local level. If
a realtor says, call Guardian, get a phone number, calls
locally eight five.
Speaker 2 (25:46):
Nine eight nine nine one nine three six.
Speaker 1 (25:49):
I mean, I want the bank to growing them to
get all the business, but I want to do local
business right. And that's been our I mean, our claim
to fame. We we generated a big following that Guardian
and I run into people in all walks of life.
And if the conversation goes to mortgage, oh well that's
where I've got my loan. So uh, you know, I
(26:12):
was just casing point this week when I had a
customer call one to call me on Sunday and talk
about it something that was really bothering on an oversight,
and I.
Speaker 2 (26:20):
Was able to give them a piece of money.
Speaker 3 (26:23):
Yeah, gave them a peace of mind.
Speaker 1 (26:24):
And on Monday morning and I'll be all right, don't
worry about it.
Speaker 3 (26:27):
It is what it is. Call this number.
Speaker 2 (26:30):
They'll take good care of you.
Speaker 1 (26:31):
And if they don't call me back, Lon, Lon, that's right,
it's augible down.
Speaker 2 (26:36):
So don't lose any sleep over this, folks. It's no
big deal. You're gonna make it right.
Speaker 1 (26:42):
And we understand that you caught it early and there
hadn't been any forced placing of insurance on your property.
Speaker 3 (26:48):
So work common sense, folks.
Speaker 2 (26:51):
It's you know, that's what That's what we're pride ourselves on,
is customer service. Be local by local and stay local.
Speaker 1 (26:57):
You know, you can get online and do what you
wanna do, you're gonna be on somebody that you never
see and have to deal with in a lot of times,
you know, with the way the internet is, I'll be
honest with you, I don't get to see everybody face
to face that I'm doing business with, you know, just
because of work hours, the convenience, the quickness of it,
the swiftness of it being able to do things on
the internet and over the phone. But Tim, you go
to all your loan clothings. You like to get over
(27:18):
there and give gifts for home buyers. You give them
a housewarming gift and you take care of them. And uh,
you know, and and are the loan officers Lorie Hawkins
and Alex tangle and and Rob McBride, Kyle Madaris, they'll
do the same thing. And you know, Jamie Mortmer, Erin O'Brien,
Jim McKenzie, Alex Malaney, they're over at the Richmond the Southland,
(27:41):
wrote branch Southland and that that phone number is eight
five nine two six three three three three five. We
just want you to call us on these local numbers.
We've been doing this radio show what eighteen years now
night eighteen and a half something, tim all the time.
Why Dean Cruz used to be over there when we
walk in the studio, Remember why Dan? She was Cody
And then we go over dead Air, Dennis and all
of them was around over and we go get Steve
(28:02):
with himed up in the back office and do us
a show.
Speaker 2 (28:05):
And we had over Old next to old Don Jacob.
Wasn't it over on the Winchester Road? It was fun
time went downtown yep. And now we just try a
whole different setup. But we're still knocking it out and
having a good time. But at eighteen years we've been
doing this show on w l A P on Saturday mornings,
(28:28):
right and we'll skipped some every once off, a game
starts early or what have you. But been doing it
for a minute.
Speaker 1 (28:35):
We appreciate all the people listen to us on a
regular basis, and we'll get calls from it and then
some I say, can you talk about this? You talk
about that, and you know, we try to we try
to dress things, you know, talking about doing insurance recently.
You know, I've learned a lot about flood insurance recently
and that's not what I thought it was, you know,
been crazy about that and insurance policies that the way
(28:55):
people you know, get their quotes and get things taken
care of. We've had to be more involved just because
of the volume of claims with this crazy weather we've
had with hail and wind damage and different things, you know,
just massive brains that are creating you know, the wall
around the house to fall down or you know, just
different stuff. And but I've been working with it, been
(29:16):
learning from and get to meet some people. But you know,
we're right here to take care of it. You know,
if you're dealing with somebody that ain't go to presence
in town, you're in trouble. If you're somebody's makes don't
have local presence that they're servicing with, you.
Speaker 2 (29:29):
Know, how do you how do you handle that? Right?
Speaker 3 (29:32):
You know, well, it's you know what we're it's just
peace of mind. Like you know, a the couple that
wanted the piece of mind about their insurance, there's a
lot of peace.
Speaker 1 (29:40):
Of mind about no one who a lot about your
servicing agent. And we know for a fact that a
lot of people were notified that their service and agent
was changing, and sometimes they were went into fraudulent hands.
Speaker 3 (29:52):
I hope they got that cleaned up. That's been a
few years ago.
Speaker 1 (29:55):
But it's just a piece of mind of knowing that
you're going to pay the same people from the start
to the end.
Speaker 2 (30:03):
Yeah, and we're going to be here for you. And
you know, I was telling somebody ever this week.
Speaker 1 (30:07):
Now I'm doing loans for people that for people's kids
that I did loans for here, you know, and I
love it and I appreciate it, you know, proud of
the fact that they feel comfortable sending them to me
and confident in Guardian Savings Bank to make make sure
we have the best deal.
Speaker 2 (30:20):
And we do. And once them kids get in the family,
they'll be here forever.
Speaker 1 (30:23):
When they realize that we're here for them, We're going
to help them, We're going to take care of things
and make sure everything's working like they're supposed to. So,
you know, I'm proud of this place and what we
do and how we do it. I just want people
to recognize that you know, be local to stay local
by local.
Speaker 3 (30:37):
We're all here, we're.
Speaker 1 (30:38):
Living together, let's work together and makes things happen, do
a lot of stuff around the community. We're gona take
another break. We'll be right back for a last segment.
We appreciate you joining us today. The bank is over
today from nine to one on numbers eight five, nine,
eight nine, nine one nine three six South and Drives
eight five nine two six three three three three five.
Speaker 2 (30:54):
You can hear you can call us five dollars.
Speaker 1 (30:56):
Clothing costs and listen to Welcome Home Show by Guardian
Davy's Bank on news Radio checks thirty eight w l at.
Speaker 2 (31:04):
We'll be right back. Straw MERESHI you're.
Speaker 1 (31:06):
Back listening to Welcome Home Show by Guardian Savings Bank.
Tim and Adams Larry Frits in here with you this
Saturday morning.
Speaker 2 (31:11):
We're glad to have you tuned into US. Banks open
today from nine to one.
Speaker 1 (31:15):
Phone numbers eight five, nine, eight nine nine one nine
three six Southland Drives eighty five nine two six three
three three three five five hundred dollars closing costs.
Speaker 2 (31:24):
Got a six and a.
Speaker 1 (31:25):
Half on a thirty or fix five point seventy five
on a fifteen. That's a holiday special. And we know
that everybody's hopefully having a good time this holiday weekend.
Speaker 2 (31:32):
We've got a little piece.
Speaker 1 (31:33):
We're gonna play a little version of UH information on
our flag and Johnny Cash did and you know something
that I've listened too many times, and Tim and I
thought we'd put.
Speaker 2 (31:42):
It out there for you.
Speaker 1 (31:43):
Guys are here today to kind of wind the show down,
So that'll play here for a little bit.
Speaker 2 (31:47):
We hope you guys have a good Fourth of July weekend.
Be safe. We appreciate everything you do. I'm glad to
be an American.
Speaker 1 (31:52):
I'm proud to be an American, and uh, I feel
you know that I'm a patriot. I know Tien is
and we get a lot of people listening to this
show and and I wish there was more unity and
more high on meetings that aren't offensive to people. But
we're just in a crazy world right now. But really,
you know, a lot of people sacrifice a lot of things,
and our independence, you know, it's iyronic, you know that
(32:14):
all this crazy stuff going on, but our independence is
really well, how you know him? I can't, I can't
Fourth of July has always been something I look forward
to a year in and year out. You know, other
than dog owners and people that are don't like cloud noises,
you know.
Speaker 2 (32:27):
I love seeing a good Fourth of July celebration.
Speaker 1 (32:29):
So we hope you get out and enjoy this weekend,
have a good I hope you had a good time
last night. I hope you have a good time to
seeing it and you're safe with it. And you know,
we appreciate you tuning into us once again. Five hundred
dollars closing costs and and we'd be glad to talk
to you. So you have a great opportunity to save
us some money. We'll put everything in here to get
everything in line for you. Just give us a call.
(32:50):
It won't take very long. We get most information over
the phone. We don't have to pull a credit reporters
ten you mentioned it earlier. Here's a couple of resources
out here you can look at that. They're completely different.
And I've had people pulling them up. It's all my
credit scores, you know, seven eighty seven. Then we pulled
it's eight oh four. And I've had them say it's
eight oh four. We pull it a seven eighty seven.
So it's not always accurate and on point for us,
but we can make the best out of it, make
(33:11):
sure pans out.
Speaker 3 (33:13):
But well, that's where we.
Speaker 1 (33:15):
Can't guarantee our closing costs until we pull the credit yep.
And if you've got an idea what you got going on,
and we have a clue, then you know, like I said,
if it doesn't make sense, but we can get a
plan together, marry the home and date the loan. But folks,
I'm telling you, five hundred always covers everything we need
to put your loan together, other than a filing fee
and your escros and making your due date the first
of the month. So that's called pre paid interest. But
(33:36):
we can do it. Generally it's nine forty eight, but
right now it's five hundred. Take advantage of it. Get
two fifty application fee that's half of it, and then
the other two fifty a closing but that's the appraisal,
time of work processing. Anything we need to put the
loan together is covered in the five hundred. But I
was just going to say, you know, sometimes you go
to a car lot looking to purchase a car, and
when we get these credit reports back, eight different lenders
(33:58):
have taken a peek at your credit and you know
it is what it is. But some people are kind
of alarmed by that. They see so many inquiries. When
do you have went to one car lot because they're
shopping different independent lenders when you go do that, Well,
you want to have that here? Yeah, and we'll try
to wait, you know we we I'm from Hope. Not
having your credit pulled that many times. Well, and you're
(34:20):
if you're buying a refinancing, you got a two week
window to get as many as you want with that
effect in your score. But if you just get the
if you get one from anybody, then you can say, hey,
we just got it from over here at UK Federal
Credit Union and this is what they said, or we'll
get gone for now. Yeah, you let us get it
and you can call and shop around tell them what
we said the score was. But we hope everybody has
a great Fourth of July weekend. Happy Birthday American. The
freedom and independence that we have be safe for the
(34:42):
rest of the evening and the rest of the weekend.
Give us a call here eight five nine eight nine
nine nine three six South and Drives two six three
three three three five, Happy Fourth of July for Ken Adams.
I'm Larry Frakes, will be back next Saturday. You've been
listening to Welcome Home Show by Guardian Savings Bank on
news radio six thirty w LA.
Speaker 4 (35:00):
I walked through a county courthouse square on a park bench,
and old man was sitting there. I said, your old
courthouse is kind of run down. He said, no, it'll
do for our little town. I said, your old flag
pole is leaned a little bit, and that's a ragged
old flag you gotta.
Speaker 2 (35:19):
Hanging on it.
Speaker 4 (35:21):
He said, to have a sea And I said, down.
Is this the first time you've been to our little town.
I said, I think it is. He said, I don't
like to brag, but we're kind of proud of that
ragged old flag.
Speaker 2 (35:39):
You see.
Speaker 4 (35:40):
We got a little hole in that flag there when
Washington took it across his Delaware and it got powder
burned the night that Francis Scott Key said, washing it
right and say can you see? And it got a
bad rip in New Orleans with Packingham and Jackson tugging
(36:03):
at it seams, and it almost fell at the Alamo
beside the Texas flag.
Speaker 3 (36:10):
But she waved on though.
Speaker 4 (36:14):
She got cut with the sword at Chancellorsville, and she
got cut again at Shiloh Hill. There was Robert E.
Lee bore a garden bragg, and the south wind blew
hard on that ragged old flag on flanders Field. In
World War One she got a big hole from a
(36:36):
birth of gud. She turned blood red. In World War
two she hung limp and low.
Speaker 2 (36:44):
A time or two.
Speaker 4 (36:47):
She was in Korea, Vietnam, she went where she was
sent by her uncle Sam. She waved from our ships
upon the briny foam. And now they've about away from
back years.
Speaker 2 (37:01):
Home in her own good land.
Speaker 4 (37:04):
Here she's been abused, she's been burned, dishonored, denied and refused,
and the government for which she stands is scandalized throughout
the land. And she's getting threaded there and she's wearing thin.
But she's in good ship when her ship she's in
because she's been through the fire before, and I believe
(37:28):
she can take a whole lot more. So we raise
her up every morning, we take her down every night.
We don't let her touch the ground, and we fold
her upright. On a second thought, I do like to
brag because I'm mighty proud of that ragged old clo
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