Welcome Home with Guardian Savings Bank 7-19-25

Episode Transcript

Speaker 1 (00:08):
Good morning Lacton too.

Speaker 2 (00:09):
You're listening to Welcome Home show about Guardian Savings Bank.
I'm Larry Fricks, got a loan officer, Richard Klutch in
here with me this Saturday morning.

Speaker 1 (00:17):
Tim's out of town.

Speaker 2 (00:18):
He's taking care of some family business, and we allow
him to do that every once in a while. Sometimes
he just goes out to Cutwood's what I understand. But
whatever it takes for him to get his get his
get his from mind right, Richard, we let him go.
Banks open a day from nine to one. Numbers eight
five nine, eight nine nine one nine three six South
and drive is eight five nine two six three three

(00:38):
three three five. So if you can hear what you
can call us, rates are still in pretty good shape.
Six point seven five on a thirty six point three
seven fights on a twenty and uh the fifteen years
five point seventy five.

Speaker 1 (00:51):
So if you are interested in trying.

Speaker 2 (00:55):
To refinance you bought a house over the last couple
of years, now's the time you're gonna get at least
a half a point savings quarter point savings, and everything
falls in place with credit score and so on and
so forth, and equity we maybe get you out of
mortgage insurance or several different ways of trying to help
you out. But if you'll give us a call at
eight five nine eight nine nine three six basic closing

(01:16):
costs to do a refinance in here now, including your appraise,
a little tide of work, and everything's about nine hundred
and forty eight bucks. I think Pinky I did the
math on it, and that doesn't include any ascros or
if there's any delivery fees that are affiliated with Freddie Mack.
We won't know until we get all the information. But
if it makes sense, let us refinance it. We can
save you half a point or more. You know, Richard,
A lot of people drive across town to save ten

(01:37):
cents on a gallon of gas or fifty cents on
a gallon of milk, but they won't get your mortgage out.
Sometimes it's always perplexed me, you know what I'm saying,
because it's out of side, out of mind, especially a
botto draft. It's human nature, though, until they get comfortable
with you know less, then tell you just hit them
at the right time. They get ready to make that payment,
you know, and they're like, man, I'm tired of man.
You know what I'm saying, and same thing with homeowner's
insurance that goes up on you.

Speaker 1 (01:58):
You might not know it.

Speaker 2 (01:59):
You see a little change in your escro amount or
your monthly payment requirement, and people, hey, my payment change, Well,
your payment didn't change. Something went up, either taxes or insurance.
And taxes hit everybody and insurance uh and insurance does
too on occasion. So just you know, once you if
you can, just give us a call eight five nine,
eight nine nine one nine three six and let us
take a look. If we can do something, we will.

(02:20):
If it doesn't make sense, they won't let us do it.

Speaker 1 (02:21):
Anyway.

Speaker 3 (02:22):
It seems like they'll be getting interested here soon, with
Chairman Powell getting the subtle mudge as he's.

Speaker 2 (02:27):
Getting yeah, well hopefully, but I mean, you know, the prime,
you know, is what it is. But they you know,
these rachared off the ten year yield, and that is
working in our favor.

Speaker 1 (02:36):
And you're right, but you know, go ahead and get
something in line now.

Speaker 2 (02:39):
I mean, we don't want to keep pushing the cart
down the road because if it doesn't work out and
they go up and we're at six seven five and
you're you know, seven or seven and a quarter, you know, seven,
you know, And there's a lot of people over the
last several years, Richard, you did, and it's time to
be calling them. You know, they've been buying house and
reaching out to them saying, hey, nine hundred and forty
eight bucks of three finances baby, you know, and see

(03:00):
what we can get done with it.

Speaker 1 (03:01):
But it's the same thing.

Speaker 2 (03:02):
You know, there's a lot of people out here we
can help and they can do business with a local
bank who uses local people, and they can come in here,
look yad eye and they can call it with insurance
or tax questions exactly.

Speaker 3 (03:14):
The people I've been talking to are happy to happy
to hear they walk in and see you, shake your
hand and talk about things in person.

Speaker 2 (03:22):
Yeah, a lot of stuff is done online, and we
can do a lot of stuff online. But it's just
you know that you're buy local, b local, and stay local.
That's what I say. And that's what you're getting with
Guardian Savings Bank. And the trick is, you know, nine
hundred and forty eight dollars in closing coffee, Well, how
do you do that? Well, we service the loans, the
paybacks truly, in the payback we don't have to charge
them ten or twelve thousand dollars and origination fees, you know,
to get by. It's just not the way we operate

(03:44):
our business. But some people do. They make their money
and yield spread premium and origination fees and that choose
up equity or cost closing costing purchase arena that people
shouldn't have to fool with, you know. I mean it's
everybody's got their business philosophy. But you know, us being
a servicer, that's how we make our money. Three and
a half billion in servicing, and people always pay guarding.
And I like that because generally if they'll remember to

(04:06):
call the local branch, we can help them refinance. If
they call the eight hundred number and they get the
branch up north, those people will meet the one taking
care of them.

Speaker 1 (04:13):
But I want them to call local.

Speaker 3 (04:15):
Seems like every time refinanced it the old places I've
been that you're paying the processing staff.

Speaker 1 (04:20):
Over and over. Yeah, and I agree with you. And
that's what we tried to point out a lot.

Speaker 2 (04:23):
You know, I've had several people call in here and
they go, these people got a lower rate than you do.
With the closing costs are more and I'm like, well,
you know, and the payments high. And I had a
get It took me for a ment to catch on,
and Richard I had he I said, well, send me
that settlement statement, let me take a look at it.

Speaker 1 (04:39):
And he did get a better rate. He was and
they tricked him on the no out of pocket. Yeah.
So I'm looking at like, here's our balance, and.

Speaker 2 (04:47):
This is what the payment would be, and here's what
you know with that interest rate, this is what your
payment should be. Why is it so high? Well, I
didn't take into consideration thirteen thousand dollars in closing cost
that he was borrowing, that was chewing up his equity.
And that's why it all fell into place. And Pinky
and I talk about all the time tim matags. You know, hey,
check the information, find out what you're paying. Because when
they say no out of pocket, you know ours is

(05:10):
you got two hundred and fifty dollars application fee here
that you get credit for. But you know that's you know,
coming from a different pocket. Yeah, yeah, yeah, So it's
one of those things that you know, just pay attention
and just you know, call two or three different people.
I have no problem with that, and I recommend people
to call around. You need to know what you need
to know and then you can make a sensible decision

(05:32):
because the home is generally the biggest purchase or investment
that you make. And I have no problem with people shopping,
and I'll tell them where to go where people are
competitive with me.

Speaker 1 (05:40):
If they got a better deal, so be it.

Speaker 3 (05:42):
Yeah, I always tell my people, you know, whether I
get the deal or not, I want you to have
the best, best thing available to you. If I can't
do it, I'll patch you on the back and seat
you found a good one.

Speaker 2 (05:52):
Yeah, absolutely, And that doesn't happen very often from in here.
But you know, there are some you know, every once
in a while, so they come up with a program
that is just not something that we feel comfortable with offering,
you know what I mean.

Speaker 1 (06:02):
There's some.

Speaker 2 (06:04):
You know, there's they come up with some different things
for different lenders, and it just depends on the risk.
But yeah, we don't get beat out very often on
closing cost rate. That's why we've been one of the
top one or two lenders in Lexington for many many years,
and we do a good job of servicing the loans.

Speaker 1 (06:18):
I don't have very many complaints from that.

Speaker 2 (06:20):
Generally, it's just like I said earlier, when there's a
payment change and somebody doesn't extend it doesn't understand exactly why,
and they'll call and go, Larry, I don't want, you know,
So I got to dig it out and I said, well,
your insurance went up, or your taxes went up, your
payment is still the same. You're on a fixed rate
that's never going to change. But but they can call
here and we can sort it.

Speaker 1 (06:38):
Out, you know what I mean.

Speaker 2 (06:38):
They're not calling and getting pig eat somewhere you know,
Delaware or you know someplace. So it's a that's what
I like about it. And you know I talked about
the last couple of weeks and you're new here, but
you've been in the business many, many years. But now
I'm doing loans for the children of the parents that
I did loans for, you know, eighteen years ago here,

(06:59):
know what I mean. And I appreciate that because they
know how we work and what we do, and you know,
we just keep the family.

Speaker 3 (07:04):
And the family. I have been talking to agents that
I deal with after the move over here. They're very
happy to hear where I've landed.

Speaker 2 (07:13):
Yeah, and I tell people that all the time. I'll
you know, you can see we've got some empty offices
around here, and my corporate people are like, hey, we
are you going to fill these offices? Well, when I
find a good team player, you know what I mean.
I don't want to be taking food off anybody else's plate.
Everybody in here is working hard to make a living.
And you've been in the business. How many years been
totally doing mortgagees? Thirty one thirty one years doing mortgage
So you've got your own book of business, you've got

(07:33):
your own pond, when you've got your own brand and type,
and when you're telling realtors that you're here, and they're
happy to hear that. You know, most anybody, when I
was talking to you about coming in here, you shouldn't
have a hard time with any of the lenders around
or any of the realtors around here, because we do
a pretty darn good job. We're not perfect, but we're
pretty darn good. We don't have a whole lot of complaints.
Some people get bent out of shape over something, as

(07:55):
you know that we might not have any control over it,
kind of like the cable company, go be there between
one and three you know. But I mean I've had
people get so mad at me over your praise, are
not showing up or you know, something that a document
that you know, we didn't know we needed until we
got closer to the end, and you just sometimes you
don't know.

Speaker 1 (08:12):
But other than that, I think we do a great job.

Speaker 2 (08:14):
I'm very proud of Guardian Savings Bank and staff we
have here and the way we process stuff. And I'm
glad that the people you're relating with and building a
network still and that they're happy that you're here.

Speaker 3 (08:25):
I think one of the big things that we need
to do and I try to do, is, you know,
set it up on the front end. Let them know
this is a process. You know, we're lending you four
hundred thousand dollars, and you know, there's a few things
we got to lay our hands on, a few things
we've got to do. But it seems like things are
going to be somewhere in the thirty day ranging here,

(08:47):
which is you know, good in the market until it
gets crowded.

Speaker 2 (08:51):
Yeah, Well, we generally still get to do a good
job of meeting our closing deadline. We've never had a
big issue with that, and some of the government stuff
because it has to be underwritten twice.

Speaker 1 (08:58):
We do not service the government line.

Speaker 2 (09:00):
Fha USDAKC and though those are sold off, so sometimes
we'll underwrite them and they go through another process that
takes a little bit. That's the only time I've ever
been familiar with Guardian missing a closing date, unless it
was just something crazy when somebody quit their job or
accumulates some debt right before the closing, or you know,
something like that.

Speaker 1 (09:18):
But it's very important to us.

Speaker 2 (09:20):
And really, Richard, I tell people how long to take
the clothes, you know, what should I put on this
purchase contract? And I said, well, put forty five days.
I said, it'll probably take us twenty business days to
get it put together. And that's what really a month
is anyway, right, unless you have a holiday or something.
But you're right, if we get the complete file put together.
I've seen them getting proved in here and you know, six,
seven days, eight days, if it's a rush. You know,
if we can put everything together, they'll and they understand

(09:42):
we're trying to make a deal happen for somebody that's
pressed for time and we're on a short fuse. We
can you know, hustle it through and we don't do
a whole lot of that, but we'll try to cater
to those situations and you'll learn that as you go.
But we don't want anybody, We just we just want
to be in the mix when people are called, and
I like for people call, you know, three p people
get three different quotes from three different places. See what
you got, You're going to get our best offer right

(10:05):
off the jump. I've had people come in here after
the fact and you know, they've got another quote or
to it, and I'll give it to them and go
back to the other person and said, well we can
do that. I'll say, well, you know who you're dealing with, now,
why didn't they offer to you to begin with?

Speaker 1 (10:18):
You know, it's just not a just it.

Speaker 2 (10:20):
I mean, we just offered the rate that we have
and the closing costs are what they are, and we
go on.

Speaker 1 (10:25):
There's not a whole lot of manipulation of the rate.

Speaker 2 (10:28):
And that's probably some of the rate sales was in
your previous experiences are probably part of what you had
to deal with, right exactly. And that's you know we
I mean worth six point seventy five. You can buy
it up or buy it down if you want to,
and we know what it will cost to do one
of those things. I'm not a big fan of it.
For nine hundred and forty eight dollars, you can refinance anyway.

(10:50):
I did the math with somebody the other day and
they were talking about buying the rate down, So I
did the math for him. I said, only take you
one hundred and fifty six months to break even. I
think you and I went through that drill. Yeah, might
have been one of your you know. So it's it
doesn't always make sense. Sometimes it does. You just kind of,
you know, find out what the circumstances are with the
client and Tim and I've been talking awful lot here

(11:12):
recently about if you're getting ready to retire, you're getting
ready to down size, I mean, call and if you've
got an investment advisor, check with them, but give us
a call. And if you're going to refinance or restructure
the mortgage debt, do it before you you know, turn
in your notice. Because it's people get that change in
income and it's already down the road. It's tough to
get them redone. You know what I'm saying for on
a fifteen year fix. They don't have no overtime or bonuses.

(11:33):
It's a big adjustment. So give us a call and
let us sort it out, tell you what we can
do and get you set up for that. We have
no pre payment penalty, so each still pat how you want,
but let us make sure that we've got you taken
care of before you get in a situation that retirement
income and another benefits might not help cut the mustard.
So that's one of those things that you know, we
talk about on occasion as well. But well, I'm happy

(11:55):
with the way we do stuff and the way that
the bank operates. You know, we're not perfect, but we're
pretty darn close and servicing. These loans are the big
benefit and asset to us, and I like it, and
I think people like that as well. They're going to
see some paper trading, but I mean they're still going
to make a payment to Guardian on any of the
money that we do conventionally. You know, that's been very
pleasant so far, getting getting on my feet and get
go in the reception that the agents are giving me

(12:18):
and the people that I've had done loans with in
the past, their pleasure with seeing what's available to them. Yeah, Hey,
we're gonna take our first break of the morning. You're
listening to Welcome Home Show. Banks Open a day from
nine to one. Phone number here in Hamburg eight five nine,
eight nine, nine one nine three six South and Drive

(12:38):
is eight five nine two six three three three three five.
So if you can hear, you can call us six
point seven five on a thirty five point seven five
on a fifteen. We're gonna take a small break for
Richard Clawson worry Freak will be right back. Listen Welcome
Home Show by Guardian David's Bank on news Radio six
thirty w LAP. We'll be right back your bank. Listen
to Welcome Home Show by Guardians Davy's Bank. Larry Frak

(12:59):
three that you're claunching here this Saturday morning, chatting with you.
Tim's out on the road and take care of some
family business. So it's got Richard in here to chat
us up.

Speaker 1 (13:07):
A little bit.

Speaker 2 (13:07):
He's been in the business for many years and we're
glad to have him here. Banks over to day from.

Speaker 1 (13:11):
Nine to one.

Speaker 2 (13:12):
Phone numbers eight five, nine, eight nine, nine one nine
three six South and Drive eight five nine two six
three three three three five. So if you can hear
she can call us Richard, give me a little bit
about your history. I mean, you've been in this business
for a minute, and you've been been around the block.
And we're sitting arounalyzing the what's going on with the
FED and all this other stuff, and Tim and I

(13:34):
do the same thing, you know what I mean. He's
up watching the bond market in the morning and seeing
all the overseas market doing and uh, you know, the
bond market recently has been working in our favor. And
there is some turmoil possibly on the FED board with
you know, uh changes possibly coming and don't know how
that's going to help us to hert us. But June
showed no inflation, you know, or anything any effects so

(13:55):
far from the tariffs. It was just the first you
know reading of it. So we'll see how July comes back.
And that's the good news. And I think people were
starting to see that all of the bad stuff that
was supposed to happen with those they might not be
the so called experts, might not be expert enough on
the tariffs to have, you know, mentioned all the doom
and gloom. Everything seemed to be heading the right way,
and in my opinion, yeah, well, I mean it's you know,

(14:17):
everybody's got the only thing we can talk about is
past experience, and they say past experience doesn't guarantee future results,
you know, but I mean you and I've been around
the block watching this, and you know, we've questioned why
the FED hasn't lowered rates, you know, many times, and
you know, our sir pears are like all of these
numbers that we grew up on, we should be you know,
making some moves that lower the prime which will then

(14:38):
trickle down to the overnight cost of funds and the
bond market will follow and rates will come down. And
we just never could put our finger on exactly what
the hold up was. And you know, the last meeting
was the tariffs. They were afraid we're going to create inflation,
and that the first month zero, So we'll have to
see what they decided.

Speaker 1 (14:56):
They got another meeting this month.

Speaker 3 (14:58):
Still still dealing with a lot resistance for resistance sake
as well on.

Speaker 2 (15:03):
Anything true, and hopefully people will just you know, follow along,
and like I said, you know, hope, you know, hopefully
the changes that we see are for the better and
it's going to help the rates. But if you're at
seven and of course seven percent or higher. And you
bought a house last two or three years, you don't
have a prepayment penalty. Look up your rate, give us
a call, see how much we can put together in

(15:24):
the savings for it, and if it makes sense, let's
do it. And if the rates go down again, for
nine hundred and forty eight bucks, we'll do it again.
You know what I mean. It just doesn't you know,
if you're paying thirteen thousand dollars in clothes costs, you
can't afford to do that very often. So you just
have an opportunity to take advantage and save you some money.
And as if the rate comes down and we can
put the rates, say you've been down in three years,
we can said it on twenty seven years.

Speaker 3 (15:45):
Yeah, it doesn't take you out of the market to
do a future refinance just by doing one.

Speaker 1 (15:50):
Now you look at it.

Speaker 4 (15:52):
You look at it and say, well, Larry's right.

Speaker 3 (15:54):
You know I could do this thing six nine months
later and still not be where I would with one
normal refinanced costs.

Speaker 2 (16:02):
Yeah, market, yep, you get out here and pay ten
or twelve thousand dollars. Yeah, you got to wait a while,
and it takes a while to break even. But if
we can get you for nine forty eight, I don't
know what your escrows are even if you want to escrow,
but if that's the case, then we'll you know, that's
that's something that fixed costs that we don't have any
control over.

Speaker 1 (16:18):
Escrows are what they are.

Speaker 2 (16:19):
But the main thing is if you're paying nine hundred
and forty eight dollars to get the loan done, and
we do a lot of them in that fashion. Some
of them do have delivery fees.

Speaker 1 (16:27):
But when you do the.

Speaker 2 (16:27):
Math and you can you can figure out just how
quickly you can break even and it's not too long
on nine hundred forty eight bucks. And if you've got
a delivery fee, then we'll do the math on that
as well. But with the value enhancement of these people
are getting in Central Kentucky, and it's been higher than
the national average in my opinion. You know, if somebody
calls in here and say they put fifteen percent down
or maybe ten percent down, and they're in the right neighborhood,

(16:49):
in a new neighborhood, they might be able to get
a mortgage insurance as well. The way these values pop
up you know, if they've been in it for a
little while, you know, and that's another deal. Have a
couple of months without a payment, you know, and if
we can you know, time it right, you know, you know,
let's do it, you know, I mean, you have nothing
to lose by calling and asking eight five nine eight
nine nine nine three six as listening to radio show,

(17:11):
got my statement out and paying seven a quarter. I
owe two hundred and thirty six thousand. You know, been
in the home seven years, we can look at twenty
three years. It's you know, six points that vibe or
you know whatever. I mean to just take a look
and see what it is. So there's people on all
kinds of people out there with various rates that are
much higher than what we have to offer.

Speaker 1 (17:28):
It's just getting them to look it.

Speaker 2 (17:29):
Up, dig it up, and let us put something together
that'll save them some money and not cost them an
arm inal leg.

Speaker 3 (17:34):
Doesn't cost to start the conversation either.

Speaker 2 (17:36):
No, and there's no questions that are going founded. And
we do have access to our underwriters and servicing, and
sometimes people will call me and have a question and say,
you know what, I don't have the answer for that.
Dial this number ask for servicing. They're going to verify
your who you are and your account info and they
will help you answer it and they do a good
job of it. And that's, you know, one of the
things at Guardian that I appreciate. Hey, we're going to

(17:58):
talk with Sean Tester here in this session and he
just opened up a new place here in town that
we're happy to help promote and probably get a PSA
going for him and so on and so forth. So
we'll try to get him on the phone with us
this morning and visit with him, and we're gonna take
another break. But the bank is open to a day
from nine to one. Phone numbers eight five, nine, eight
nine nine one nine three six South and drives eight

(18:20):
five nine two six three three three three five. So
if you can hear, you can call us from Richard
and I'll be right back. We'll get Sewn on the phone.
You may listen to Welcome Home Show by Guardian Savings
Bank on News Radio six thirty w LAP.

Speaker 1 (18:31):
We'll be right back, your man.

Speaker 2 (18:33):
Listen to Welcome Home Show by Guardian Savis Bank, Larry Frek,
Richard Claunch in here this Saturday morning. Glad to have
you tuned into US Bank is open today from nine
to one. Phone numbers eight five, nine, eight, nine, nine one,
nine three six here in Hamburg South and drives eight
five nine two six three three three three five. So
if you can hear, you can call us six point
seven five on a thirty or fix five point.

Speaker 1 (18:54):
Seventy five on a fifteen.

Speaker 2 (18:57):
Talking earlier, nine hundred and forty eight bucks in closing
costs for standard conventional refinance, so keep that in mind.
Doesn't include your ass grows, but doesn't take too offul
long to break even.

Speaker 1 (19:07):
Richard.

Speaker 2 (19:07):
If you can go from seven to seven in a
quarter to six point seven five, depending on the size
alone you have, you know.

Speaker 1 (19:12):
What, it does not take long. We got Sean Tester
on the phone.

Speaker 2 (19:16):
We mentioned earlier we were going to be reaching out
to him, and he's got something that just opened up
here in the central Kentucky that I love, I'm a
fan of, and we actually need more of him, and
we got him on the line. So Seawn, I appreciate
you taking some time today and letting us visit with you,
and I want you to get your word out, let
people know what you're doing, how you're.

Speaker 1 (19:35):
Doing it, and so on and so forth.

Speaker 2 (19:37):
So thank you for letting us get you on here,
and we appreciate you joining us. So if you would
just let us know to give us a little synopsis
on what you got going on there, buddy.

Speaker 5 (19:47):
Yes, sir, I'm the owner of Solid Foundation Recovery. It
is a program that I've been working on for about
three years now and we're finaling doors open. Being in
recovery myself all all, he loved helping people. I wanted
to see people grow. I wanted to see people stay sober.
So I also decided to get education in my background,

(20:08):
so now I'll be receiving my master's degree in de Simber.
I've always wanted to, you know, build my own kind
of program, so I finally got the guts to do it.
And I've took everything that I've learned from the programs
that I've went through in my lifetime that worked for
me and able to incorporate that into one big program

(20:29):
that we are. We're also partnered with Wolfrind Refugee shout
out to them. You guys can donate to them or
anything like that on their website page when they are
a wolf sanctuary that is a Nicholasville, and our guys
will go down to the wolf sanctuary once a week
and volunteer there to help groom the wolves, to help

(20:50):
feed the animals, mow the grass, build the fence, whatever
it is that they need volunteer wise. But the cool
thing about it, and what I love the most, is
that bodies have shown those that struggle with substance you, disorders,
and interact with animals have a.

Speaker 4 (21:06):
Higher chance at long term sobriety.

Speaker 5 (21:10):
So I'm just picturing these guys, man, ten weeks in
and a wolf happens to just accept them into the
pack and warm up to them, and.

Speaker 4 (21:18):
It's it's going to be something spiritual.

Speaker 5 (21:20):
And I'm really excited to continue to watch this growth.

Speaker 2 (21:23):
Man, I tell you you know to me, you know you.
And it's the same thing if people will pay attention
to what they learned. So it's not a cookie cutter operation.
You've taken experience from here and there, your education and
so on and so forth, and it's not one size
fits all, but you can adapt and make whatever changes
I guess you need to to help you know, anybody
at whatever stage they're in recovery, I guess that's I

(21:45):
love that idea and then having the animals in there
and the care for that.

Speaker 1 (21:48):
So how did what what part of it.

Speaker 2 (21:51):
Did it come together where you were going to get
the animals involved and have that part of the recovery.

Speaker 4 (21:56):
So it's such a cool experience.

Speaker 1 (21:58):
Man.

Speaker 5 (21:59):
I was working at Reparina and a Wolf Front refugee
was there at Comic Con with a couple of the wolves,
and I'm a.

Speaker 4 (22:09):
Huge animal guy. I love animals.

Speaker 5 (22:12):
I happened to go up to the owner of the
refugee and we started talking and we hit it off instantly. Well,
it turns out her husband is twenty one year sober,
so that sparked my interest and I was like, Mary,
I'm starting a program and I'm just sitting here imagining
the guys coming and being able to be around.

Speaker 4 (22:34):
The wolves and help the wolves and help you.

Speaker 5 (22:36):
Guys, and it just be kind of an all in
one kind of turnaround thing. And she just lit up
and was so excited, and she's been with us ever since.

Speaker 4 (22:46):
I mean, she's she's an angel. She truly is.

Speaker 5 (22:49):
He name's Mary Kendrid. She's she's one of the owners
of a Wolfriend refugee and she is terribly awesome.

Speaker 1 (22:55):
That's great. Where's where's the location at?

Speaker 2 (22:58):
Tell us about the location, how people can reach out
to you if they need your a little bit of
how that process works.

Speaker 1 (23:04):
Yeah.

Speaker 6 (23:04):
So our locations one ten Dentist Drive. It's right off
Nick the Surrey. Our hours are Monday through Friday, nine
am to five pm.

Speaker 5 (23:13):
So if you want to reach out, if you want
to get involved in our program, if you just want
to stop by and say hi, we'd love for you too.
But you also can reach out to our phone numbers
almost on us eighty five nine eight A zero six
two two eight, and we love for people to just
stop in and check us out.

Speaker 2 (23:29):
So do you get out and speak publicly and motivate
people that way and with your training and the experiences
that you've had.

Speaker 6 (23:37):
That is one of the things that I love doing
the most. Man, it has almost become like my new
high is to be able.

Speaker 5 (23:43):
To go and share this message with people and see
them connect and just to grow. I went to Yonder
Behavioral Health and shared my story and you know, hopefully
that someone will grab onto that story, see a little bit.

Speaker 6 (23:59):
Of hope to fight the next day and realize that
they can do this too.

Speaker 7 (24:03):
A lot of people when they're when they're going thrill
those first thirty to ninety days, it feels like the
way that they're they're feeling is never endless and it's
never gonna get better.

Speaker 5 (24:11):
You can't be happy without drinking or using or anything
like that. And I all want to show people that
you know, here, I am thriving, happy, connected to God,
and I mean to truly, truly blessed with the art
that I have through what I've done. Also went to
Recovery Works yesterday and talked with a few of the guys,
and I'll be going to Stelluar Behavioral Health here next.

Speaker 6 (24:34):
Week and talking with her guys. It is just something
I'm very passionate about.

Speaker 2 (24:38):
I love so they can if somebody wants those speaker
or something, they can reach out to you again eight
five nine eight eight zero six.

Speaker 1 (24:44):
Two two eight and speak to you about that.

Speaker 2 (24:47):
And then your office hours your location hours are nine
to five Monday through Friday. Let me ask you this,
what kind of help do you still need to get
this thing growing and building and letting making people will.

Speaker 1 (25:00):
Where of what you do and how you do it
and where you're.

Speaker 2 (25:01):
At and so on and so forth, it seems like
you got getting some good exposure and we're lucky to
have you on the show here.

Speaker 1 (25:06):
I believe in what you're doing.

Speaker 2 (25:07):
But what if somebody's listening to the show today and
they want to help you some way. Is there anything
that you need or something that you're looking for that
you don't have yet.

Speaker 7 (25:15):
So we do accept donations where we need stuff for
the house also, so you know, furniture.

Speaker 5 (25:24):
TVs, just stuff like that that will help us get
the guys the most comfortable possible position they can.

Speaker 7 (25:32):
If you want to side by and make a monetary donation,
you can.

Speaker 6 (25:37):
We also do accept like checks through the mill stuff
like that.

Speaker 5 (25:41):
But mainly what I want to do is it's just
be aware, just get get the voice out.

Speaker 6 (25:46):
You know, have people being aware that there is recovery
and that.

Speaker 8 (25:50):
The stigma that we see addiction and everything is needs
to be smash and draws that these people, if they
do go on to get sobriety can literally be in
places most people.

Speaker 6 (26:03):
That Snubbing or Swister Brady can be in.

Speaker 5 (26:05):
I mean myself for example, that's received my mastery degree
in business owner and everything like that because of the
work that I've put on myself by going to these programs.
So we want to give you the best option, so
help people advertising for us wear in the mouth.

Speaker 6 (26:21):
That's the great, greatest way.

Speaker 2 (26:22):
To get Yeah, absolutely, But I wanted to ask you
that because I know you're getting up and getting going
and if you're you know, just starting off, and if
you don't have a ton of money and a big backing,
you know, it takes a village. And we have enough
good listeners that tune in to us that may have
something that's sitting around that they can get you and
help you out. You know, you don't want to be
a drop off of stuff you can't use, but I

(26:44):
mean just anything practical they can reach out to you
that once again eight five nine eight eight zero six
two two eight if they've got a couch, a chair,
or an old TV or something they're getting rid of,
and help you out as far as that goes. And
then you know, just another way another networking opportunity if
people reach out to you for that.

Speaker 1 (27:00):
But it sounds to me like you got you know,
a great plan.

Speaker 2 (27:03):
I just love the idea that you're taking several different experiences,
your master's degree and building something that's not a cookie
cutter deal and a lot of people, you know what
society doesn't realize sometimes, Sewan in my opinion, I don't
know how you feel about, but it's the rehabilitation that
people need. Locking them up and putting them away doesn't
solve the problems all the time. We'll head you back
on the show, you know, as many times as we

(27:23):
can and continue to promote this. How many people at
a time can you work with at your facilities are
cut off?

Speaker 6 (27:29):
So right now we're at ten, we're able to house ten.

Speaker 5 (27:33):
Men's and be in the programs. Once that continues to go,
and I'm able.

Speaker 9 (27:39):
To be on more of a footing like businesswise store,
I can get another house and we'll go into twenty people,
and then when we get to thirty people who will
start having women me and and women in the programs.

Speaker 2 (27:52):
If somebody's done this before and wasn't successful with it,
they're going to have an idea when they come to
see you, what you offer and what the difference is.
And I think that's import to do too, because sometimes
it you know, it takes a time or two to
ford to take and for people to buy in and
stick with it, and the right support system around them
to you know, to stay sober and keep headed the
right direction. And you know, obviously dealing with the animals

(28:15):
and stuff, they're gonna develop relationship there too, so they're gonna.

Speaker 1 (28:18):
Want to continue to do that.

Speaker 2 (28:19):
And just I mean, I like the whole the idea
of all of it, and I hope that people listen
to today can share the information, give you a call,
help out spread the word as well, and the.

Speaker 1 (28:31):
Go over the location again. It's off Dentnis Drive.

Speaker 7 (28:34):
Well at ten Dnnis Drive, on the same road as
the twenty four hour med bed brou It's right off
nichols Ville Road. If you know where five guys Burgers
and Presidents right off nichol Still Road, there's a street
right before end and back straight.

Speaker 2 (28:46):
Up to gotcha, Tim and I and other little officers around.
We spent a lot of time doing cra stuff and
you know, be a lot of homeless people and different things,
and so anybody that's giving back and doing what you're doing,
we're gonna, you know, jump on board and support that
we can and try to make sure that people know
what you do, what you offer, and then how they
can get in touch with you and how you can
help them. But how long was the planning stages before

(29:08):
you could get the doors open.

Speaker 6 (29:10):
I've been at this for two and a half years.

Speaker 4 (29:11):
This has been a.

Speaker 5 (29:12):
Dream of mine for probably seven or eight years since
I first even got into the recovery world.

Speaker 6 (29:17):
But I have been in day to day planning for
two and a half years. So just and that's how
long it took me. Because I wanted this program to
be set apart for everyone else. I wanted it to
be so much more built. I wanted to take all
the right things into pilot, into the warning what I've

(29:37):
done here though, It's explained to me that the definition
of addiction is disconnection. So our goal here is to
give you the best connection that you can have to
a community.

Speaker 5 (29:52):
So we have people volunteer. We're part of Wolfsland Refugee.
We're also partner with Food Chain. We're also partner with
Voices of Hope. We're also partnering with Guy's Pantry. You're
also partnering with Tayte Creek High School. Several volunteering opportunities
that we have for so many different people. They kind
of get like a college correcte them to where they
want to pick when they come in, what classes they

(30:15):
want to take, where do they want to go volunteer,
what do they excel at? And we're just kind of
hold strong on that and keep pushing it.

Speaker 1 (30:21):
Yeah, that sounds good.

Speaker 2 (30:22):
Hey, We're going to take a break, and then if
you'll hang with us, man and do this last session,
we'll chat a little bit more about what's going on.
But we're gonna pay the bills, and if you'll just
hang tight, brother, we'll get that taken care of and
we'll be right back. Hey, you're listening to the Welcome
Home Shows. Foreign banks open from nine to one. Phone
numbers eighty five nine eight nine nine one nine three
six South and drives eighty five nine two six three
three three three five and so if you can hear.

Speaker 1 (30:44):
Us, you can call us. We're gonna come right back.
Richard and I are gonna take a break.

Speaker 2 (30:47):
Shawn's gonna down on the line with us and we're
gonna chat with him a little bit more. You're listening
a Welcome Home Show by Guardian Savings Bank on news
radio w LA.

Speaker 1 (30:55):
We'll be right back.

Speaker 2 (30:56):
You're back listing on the Welcome Home Show by Guardian
Savings Bank. Richard klunch, Larry, break in here with you
this Saturday morning. Got Sean Tester on the line with us,
and we appreciate him taking time to visit with us.
Banks open to day from nine to one. Well numbers
eight five, nine, eight nine, nine one nine three six
here in Hamburg South and drive is eight five nine.

Speaker 1 (31:12):
Two six three three three three five.

Speaker 2 (31:15):
If you can hear so, you can call for six
point seventy five on a thirty year fix and five
point seventy five on a fifteen years five hundred dollars
on her refinance for the fifteen year five seven five.
So ask about that. We've got that going on and
we'll try to help you out. We got Sean on
the line, like we talked about, and I love what
he's got going on. And Sean, you were talking about
part of the process and what people learn about the

(31:37):
issues with addiction is disconnection, and talk about that a
little bit more.

Speaker 1 (31:41):
We got about four minutes left.

Speaker 4 (31:43):
Yeah, of course. So there was a study done on rats.

Speaker 5 (31:47):
You know, they put these rats inside of a chamber
that was just the rat isolated, and it had a
button for the cocaine and a button for water, and
the rat continued to press button for cocaine until it died.

Speaker 4 (32:02):
So then they decided to.

Speaker 5 (32:04):
Do another experiment where they've built an entire rat park,
all kinds.

Speaker 4 (32:09):
Of cool rides, all kinds of stuff for.

Speaker 5 (32:11):
The rats to do. Several rats in there. There's twenty
thirty rats in here, and they put the same buttons
water cocaine. The rats didn't even go and touch the
cocaine button. They were so enveloped in the community they
weren't worried about the cocaine. That's the same thing with addiction.
If you're isolated, if you have nobody to reach out to,

(32:34):
nobody to talk to, no kind of program or nothing
to be there with you, it's so easy to press
that button to continue to going back to what you know.
We want to give you the opportunity that you don't
even think about that button that you have every body
that has your back, so there's no reason for you
to even go back.

Speaker 2 (32:54):
So a big issue with a lot of people, and
I didn't realize this.

Speaker 1 (32:57):
I'm learning as we go with through this conversation.

Speaker 2 (32:58):
I appreciate the education, but so the disconnection just adds
and fuels the addiction. And so just I guess just
staying busy and and and then having a plan and
goals and people around you that will keep supporting what
you're doing will help take care of that. But I
you know, I don't know if I've heard that story
about the rats. I mean, but it makes sense. You know,
if you've got enough going on around you, then there's

(33:20):
no need to seek out the stuff that's not good
for your the stuff that you can't handle, or whatever
the issues are. But that's a that's a good story
and good analogy. So for people listening, you know, hopefully
they can get it. And if they have somebody around
them that may be disconnected, you know, it could be
reason why there may be something going on that maybe
you know about, maybe you don't, but you know this

(33:41):
information you're sharing open some doors and open some eyes
to you know, what's going on in the world around them.
But so it's, uh, how how do how do you
get how do you get what's the what's the does
it cost people to come and join? What's the what's
the way? These are set up?

Speaker 10 (33:57):
So most people that come to us, they have ensured
so when they call us, they give us their insurance
information to come in and we do groups and their
insurance pace for the entire program, and then they pay
us fifty.

Speaker 5 (34:10):
Dollars a week for the housing and where they're at.
I have a house off Yellowstone Parkway that is a
sover living house, but it's it's separate from the program,
but the guys in the program will be.

Speaker 4 (34:22):
Living at that house.

Speaker 1 (34:23):
Gotcha.

Speaker 5 (34:23):
We mentioned earlier you know something about you know, ways
to possibly help out. I know there's a bunch of
places like GLS dB eight, the places that hire out
you know, people in recovery. More of those companies that
do that. I would love for them to call me
or you know, email me or whatever may may need be.

Speaker 4 (34:43):
So I can have you on a list of we.

Speaker 5 (34:45):
Can rely on you to help our guys out if
they're ready to transform their.

Speaker 1 (34:48):
Live That's a great idea, and that's why we're doing
this show.

Speaker 2 (34:51):
And hopefully we can set up a little PSA and
continually get your word out during our commercial breaks and
so on and so forth. So if people can realize
what you're doing in the community, how they can get
connected with you. Is there some type of information out
here how many times somebody might have to try rehab
before it really sets in.

Speaker 5 (35:08):
There is there is. The average is seven. But also
I know people that's got it the first time. I
know several people that have my girlfriends when I'm she
got it the first time. You don't have relapse doesn't
have to be a part of your story, and that's
what we want to be. We want we don't want

(35:29):
to be a revolving door. We don't want to continue
for you to keep coming back. We want you to
come through our program, leave our program and go into
long term sobriety and keep that going.

Speaker 2 (35:40):
Sean, we're going to have you back for certain and
we'll check in and make sure everything's going all right.
We'll stay in touch if you need something specifically that
we can help you get and raise the funds for whatever,
to help you get the house.

Speaker 1 (35:52):
Taken care of. You know, we'll work on a few things.

Speaker 2 (35:54):
But once again eight five nine eight eight zero six
two two eight, you can reach out to Sean if
you've got some questions or have any concerns that maybe
he can address. But we appreciate you, Sean taking our
call today. We're going to have you back again. Thank
you for what you're doing. Good luck with all of it.

Speaker 4 (36:08):
Man, that means more than me, than you'd ever know.
And it's going to go on impact several other people's lives.
And I appreciate that.

Speaker 2 (36:13):
And I can promise you today that somebody's listening to
this show, you're going to impact them. Somebody may be
more than one, but there's gonna be somebody it's heard
this show. It's going to reach out to you and
you're going to make a change in their life.

Speaker 4 (36:24):
Awesome brother, Thank you. Guys.

Speaker 2 (36:26):
If you want to give us a call here at
the Bank, we'll go over that again. We're over today
from nine to one. By the way, here in Hamburg,
it's eight five nine eight nine nine one nine three
six South and Drives eight five nine two six.

Speaker 1 (36:36):
Three three three three five.

Speaker 2 (36:37):
You can hear it's six seven five one a thirty
year PICKX five seven five on a fifteen got fha
usdakhc and.

Speaker 1 (36:43):
All of them.

Speaker 2 (36:44):
You've been listen to Welcome Home Show by Guardian Savings
Bank on news Radio six thirty w LAP. Thanks for
joining us, Sean, we'll catch you next time. Have a
good weekend everybody. If you be back next Saturday.