Welcome Home with Guardian Savings Bank 9-6-25

Episode Transcript

Speaker 1 (00:16):
Good morning, like contend your listened up along the show
by Guardian Savings Bank. I'm lady freak, Tim Addams, look
at this Saturday morning, glad to have you tuned into
US banks opening to day from nine to one. Renumber
the eight five nine, eight, nine, nine, one nine three
six southn fives eight five nine two six three three
three three five. So if you can hear what you

(00:37):
can call us. Been busy this week getting some applications.
Tim rates are coming down and bond marker's working in
our favor. So people are jumping up, taking a hold
and getting some stuff done. And it's about time. We've
been looking forward to it and getting some stuff going on.
But they're coming down slowly, Mitch, surely. And uh, I

(00:59):
know you've been is he taking some applications? What do
you think where do you think it's going to settle
in at? What do you think is going to happen next?
I'm waiting for the sixteenth beaning that'll be next week.

Speaker 2 (01:11):
And but we saw on Friday we saw bonds continue
their positive movement. Arry and uh that whenever the bonds
are selling and are attractive option. We've gone from the
yield from four point two two Friday dropped to four

(01:36):
point eight. And that's a pretty relevant drop in a
small amount of time. And it's what you've ben stalls there.
I mean, I know, I know what my idea is,
but you're I mean, what do you think is finally
settle them in just to people are seeing that the
numbers are coming in that are their quality numbers that
we can trust, and people are buying into it, or

(01:56):
there's confidence obviously in the numbers can be maybe maybe
you know that there's so much uh you know, question
I want that O we're getting, but I don't really
know what's driving the fens now or reverse course kind
of and and are I think our will be real
keen the lower the fed gun rate. Next week we

(02:19):
may be seeing some early reaction to that people of
the fast sport and the pricing some of the store.
And we'll see what this newest ten year treasure improvement
bring to the mortgage rates. Eventually, it has to have effect.

Speaker 1 (02:34):
As you know, Larry, we don't have an exact formula
of how any how the yield has to drop to
relate directly to a thirty year mortgage, but the conditions
are right. You look people. You know, people talk about
the you know what the prime rate right now there
they lower the prime that the great thing and why ways?
But the bomb market true to what dictates these mortgage rates,

(02:55):
and you know people's you know a lot of kills me.
That's thing. How many relators don't understand what drives the
indus straight up and down. But it's the bond, the
ten year bond is it runs in direct correlation. And
the better it gets, the better our pricing gets. But
I mean, there are some confidence brewing and it's showing
in the numbers, and rates are coming down. We're five

(03:16):
and three eighths on a fifteen and uh six and
three eighths you know on a thirty at this point.
So hopefully it'll continue to get better. But if you
you know, if you're anywhere six and a half or
higher with our closing costs, you got to give us
a call and see what's you know, what's available for
you to do a refinance and save yourself some money.
If you've bought in the last three years, you're above

(03:36):
you know, at seven percent or higher, you know, give
us a call and let us se what we can
do save us some money. Possibly on mortgage insurance and
save you some money on your payments, help your monthly
cash flow. Whatever it takes to put it together, we'll
do it. And eight five nine eight nine nine one
nine three sickness has Listen to the radio show on Tim
mulary and see if I can save some money or

(03:58):
whoever you know you deualtless that's before and you've got
a loan officer here that you've had some success with.
Let them have a look at and see what they
can put together for you. But uh, you know it's
time to consider. You know, it's gonna get busy. If
you're preapproved and rates have gone down, your buying power
just went up. But also the people that you're gonna
be bidding against just went up to right Tim. Of course,

(04:20):
there's more inventory out there than nowhere last year. But
when these rates come down, it could very well be
a buar but not make any more land. And the
pricing of the homes has been a little bit more.
You know, I don't know if it's continuing to grow,
but I know that there's a lot of stuff on
the market and people are having been moving a whole lot.

(04:42):
There's I think people are just on the fence, we
see what's going to happen next. But my thing is
tim that there's a lot of people that bought at
seven percent or higher. People are still on that adage
that you have to have a one percent rate drop
if you're going to refinance, and that is so untrue
at Dordi and Sabe's Bank because you're closing costs aren't go.
That whole thing came in when people used to have

(05:02):
to pay eight, ten, twelve thousand dollars in clothing cost
to take you forever to break even. That's where that
comes from. But if you're paying nine hundred and forty
eight dollars in clothing costs and saving three hundred dollars
a month ten to three month, you broke even. I
don't know we ft they were blue in the fay
and your's young people. I've talked to some younger people
that are, you know, thirty four to thirty five years old.
I'll wait for the one percent, but ah well, let

(05:23):
me go over for mathit. You know, this is what
really makes sense if you'll look at it, and if
they will, you know, as swhere's the rubber beat the
road on your savings. You do not have to have
a one percent rate drop at Guardian Savings Bank can
start saving money on a reefing end when we get
everything out. Wait, if we save you, if we could
get out of mortgage insurance if you have it, we'd
get that taking care of. If your homeowner's insurance is

(05:45):
higher than what we know is out there, we can
save you some money there. But if we can lower
the interest, going to lower the payment, going to save
you some time. Possibly if you want to keep paying
the same payment, we'll take up in time off your
loan and try to you know, put something together that way.
But still, as long as we've been doing this radio
show for seventeen eighteen years now, Tim we talked about

(06:05):
one percent, people are still into it. But it's yeah,
I agree with you. You're going to pay one of
these online companies are going to cost you fifteen or
twenty thousand dollars in closing costs. You better get more
one percent saving. That's not what our closing cost art
Guardian Savings thinks, and that's why we preach it. That's
why we're running every week. Give us a call, let
us take a look at it. Let's see how much
we can save you, okay, you unless it's going to
cost and then you can decide what you want to do.

(06:27):
But if you don't ask, you don't know, and we'll
just take a look at it. Don't make sense. They
want what is good anyway. But the reason our closing
costs are so low because we service our conventional loans.
You're going to pay guard. You know, I don't have
to Tim and I and wrestle them officers don't have
to charge your origination see and all this other stuff
out here to try to make a living. You're the
payback is truly in the payback at Cardian. And you
know that a lot of people don't understand that either.

(06:49):
I had a couple of people this week. I talked
to Tim and they were, I mean some unfortunately somebody's
getting a divorce. How do you help him to get
some information on his balances that had somebody that was
going to change homeowners insurance album get that done, you know,
and we can. That's what we do. We service the loans,
We got information, and we stay in contact with our
clients and put the pieces of the puzzle together is needed.

(07:10):
That makes you, you know, things happen for people's that's
kind of far for the course for us here at
the bank, and we appreciate everybody that's the client, your client,
you got a friend or they were relative. You know
how we roll. They tell them calls, they say, they
do what they say they're going to do, They do
how they say they're going to do it, and it
costs what they say is going to cost. I mean
word amouss of this advertising. We can get to them

(07:31):
tuk about us. Suppose you should be putting us in
one of your options if you're going to get if
you're out there looking at different options, get your three quotes.
Don't let every make boil your credit. We can policiate
not as to boil your credit and then give you
a pretty firm long estimate because you know today, Larry,
you can get your credit score very many ways on

(07:51):
the app. Hopefully they're a solid credit card. You app
Discover gives me my scores all the time, so you
can give us a store then reason and of course
we may have to say, well your score wasn't that,
so you're going to have an additional you know, because
that's just the Freddie mac rule. You you've got that
seven eighty middle credits far and you've got twenty five

(08:11):
percent equit. That's the best deal they're going to offer.
But you're going to get the same rate as someone
that has a seven and sixty credit score. Let's say.
So you can call it whatever you want to. They
called it by down our points or the pay to
have the same rate that the A plus bar or gets,
sable delivery imposed by Freddy MC or fan and to

(08:34):
make a difference where you go. I been finally one
in this Mizulan and know what the delivery fee was,
and it's called different things, and I think that's the
help confuse the consumers. But anyway, you're right. Well, they
came about to pay back Penny and Freddy when they
built out the you know mortgage, oh you know, industry
back and they're in the meltdown and that, and then

(08:56):
we watched them pay every penny back in record time.
And then they built it in the Obama healthcare program.
Now it goes to something else, But those delivery fees
came about you know, uh, they used to you, oh,
we thought we'd see him go away. That it's kind
of like anything else. Once they start charging, people don't
complain about it. They'll find a way to spend that
money somewhere. I'd like to find out what old man
is actually going for now. Well, they probably get all

(09:17):
their money back. But once they got there, you know,
they said, well we ain't need more money. Well they
got all their money back. We watched some way back
all the you know, the Tash Perrier money. I think
for getting ready to take Freddy mcmack to assauble trading
again our pick see the years Saige, we need the one.
The US government had a product that's actually makes profit

(09:40):
that goes into their pockets instead of the private sector.
I don't know, that's just me. Do you understand that
the government controls f H A, V A, U, S
d A. What what makes Freddy any difference that should
be should be privatized. I don't think it's help. There
has been odds and we'll see how Yeah, I guess

(10:02):
just to continue to build money into the coffers for
the people invest in and it's I don't know. I
guess I could live with it either way, as long
as it's fair and unbiased, as far as the way
the decisions are made and things are done. You know,
it looks to me like there's more and more big
companies buying real estate and turning properties into rentals, and uh,
you know, I think that there's you know, I think

(10:25):
the home ownership's important. It's got to be fair for everybody.
I f and you've read of your are different in
a few areas, but not much. You know, they got
a few different nuances amongst their underwriting guidelines and their criteria,
just to have a little bit of a difference. But
it's been like that way for as long as we've
been in the business. But yeah, I think that the

(10:45):
hope that these rates will get down, people will get
back involved. And I tell people, if you call now
and we can save you some money and pay perwork,
you know, six months, will do it again. If rates
continue to drop for closing constant constant guardian, it's just
not work late round two off a long on to
pull the trigger. Just want to try to keep everything
moving forward and saving yourself some money, increase your cash flow,

(11:07):
and if we can shorten the term, we'll do that too.
And a lot of people, you know, if you're on
done thirty year long two years ago and you want
to go to twenty eight and uh, with the lower rate,
keep your payment the same, or how much we can
shave off. Let's do it, you know, let's see what
we can do. But we're gonna take our first break
for the day. Banks open a day from nine to one,
so on numbers eight five, nine, eight, nine, nine, one,

(11:28):
nine three six South and drives eight five nine two
six three three three three five. So if you can hear,
you can cost five point three seven five on a
fifteen year fix six and three eighth on a thirty
about nine hundred and forty eight dollars in closing costs
you can hear she can cost you are. Listen to
Welcome Home Show by Guardian Savy's Bank on News Radio
six thirty. That's w LAB. We'll be right back, yeah back.

(11:49):
Listen to Welcome Home Show about Guardian savetes Bank weary
three to ten Madams with you this Saturday morning. Glad
to have you tuned in to us. The bank is
open a day from nine to one for on numbers
eight five, nine, nine, eight, nine, nine one nine three
six South and drives eighty five nine two six three
three three three five, So if you can hear she
could call us. Appreciate you tuning in to us, looks

(12:09):
like the bombing market's getting better, so rates are getting better.
So we're harping on people that you bought a house
there in the last two or three years. Give us
a call six and three eighths on a thirty year fix.
There's plenty of people out here where're at about six
and a half rire and in the sevens and nine sevens,
and we can refinance you with the right credentials and
don't take much to be the right credentials to somewhere

(12:30):
in the low sixes for about nine hundred and forty
eight bucks. And if everything falls right and then we
can get the right term and everything put together, we
can you know, get five hundred dollars. Then closing costs
on some of them. Tim it's just you know, uh,
what you qualify for and what angle you're gonna take.
But uh, you know this one percent rate drop and
they apply if you're only gonna pay nine hundred and
forty eight dollars and closing costs, And I can't pound

(12:51):
that home enough. People all got to have one percent
rate RP. Yeah, after you're paying thirteen found fifteen thousand
dollars in closing costs ain't what you're doing. Wake up,
Let's see what we're doing. Let's see if we can
save you some money. I mean, it's not you know,
let's say. If it ain't what you want to do,
we'll wait. But I'm just telling you need to call
and see how much we can save you nine hundred
and forty eight bucks. If we're saving you three hundred a
month and in just over three months you're breaking even,

(13:13):
that's where the one percent comes in. Where does the
rubber meet the road of refinance and what it's cost
you when you're really going to start saving, that's where
we're going to beat ninety nine percent of the people
out here on the market with what we've got. We
don't have any pre payment finalties, so for rates go
down again after you make six payments because our closing
costs are so cheap. We'll redo it again, you know,
and we'll save off time, or we'll increase your cash

(13:33):
flow whatever, you know, whatever the goal is, and that's
exactly what we want to try to do. That's what
we need to do. But just got to give us
a call. Let's put together for you so that you
can see what we can do. And people are doing it,
get people pre qualified. We've got people working on different
you know, purchases, refinance and got bridge loans. And then

(13:54):
we've got our faha b A us DA got some
money coming out again for down payment assistance program Chemnis
Hall that's available to you if you want to look
at that for your first time home buyer or fit
that criteria, we could take a look at that as well.
But if you don't give us a call at eight
five nine eight nine nine three six right, call me
on myself on eight five nine three two one four

(14:16):
three nine three. I'll take a call. Are your calls
all the time? Tim, you're the same way. We're twenty
four to seven on the phone, trying to make a living. No,
everybody's just sitting waiting there there. We know the pads
are going to meet next week on the sixteenth and seventeen,
and it is more or more optimistic that they will
or the PAD done right. By mean way, I got
some people offered. Uh you know, we had some specials out.

(14:39):
I'm on the way. I think if they're wrot to
go or I mean, you can't combat the consumers hesitation.
Is it your you know it's there they're people are
wising up for seeing what's going on, and of course
that they listen to the show. And now we're gonna
tell them truth about what's going on. If you need
to do it, do it. If it's not going to
balance out, and you know during or the bank won't

(15:03):
let us do it anyway, So if it doesn't make sense,
but I mean, at least call let us get something
in line and get a vision and a plan. If
we can save you some money, we will, you know,
as the show goes along, day Tim, I want to
talk more about people getting ready to retire and making
sure that they're getting all their ducks in a row
for the financing. And let us look at that mortgage
situation before and the three income is gonna be once
that retirement income starts coming in, because there's been times

(15:25):
when people make that adjustment and the income fluctuates enough
that for them, you know, it's not always easy to
get them redone when they get on that fixed income.
And uh, we've been down that road before, haven't we.
I absolutainly have one last week he's retiring and wants
to look at his options. Yep, and that's and we

(15:45):
just want people to give us that there because I've
had great people come in. They have great paid and
there's like you know, around fifteen year or whatever and
the payment's tight and that there's no more overtime or
bonuses and they can help. Let's get everything situated for
you at that retirement lane and get on that tarmac
for that. Get everything in line and know what your
income is gonna be, what your payoptions are, and how

(16:07):
you can handle it, and we go from there. That's
an opportunity eight five nine, eight, nine, nine, one nine
three six. Where six and three eight's on a thirty
and five and three eighths on a fifteen right now
and if the right credentials, five hundred dollars in closing
costs and otherwise it might be nine forty eight in
closing costs. But if you don't call, you don't know.
Eight five, nine, eight, nine, nine, one nine three six. Hey, guys,
listened to timor Larry. I work with alins, I work

(16:29):
with lawyer or whatever. Let's get something going. So, hey,
we're gonning to take another break. Your list of Welcome
Home Show by Guardian Savings Bank over the day from
nine to one one numbers eight five nine, eight nine
nine one nine three six. You can hear you can
call us, We'll be right back. You listen to us
on news radio six thirty fun oh Go's w LA
Pemac left in the Little Home Show by Garian Savings

(16:52):
Banks Larry Freaks, Tim Adams in Here is Saturday War
and we're glad to have be tuned into us. I
hope everybody's having a good weekend. They get ready to
go to the ball game here in a little while. Tim,
if you're listening to us, we're glad to have you
in town. Or you listen to it just because you
can't get into the game. But free game be coming
on here a little whild and the Cats are going
to have a home game and it's a could be

(17:14):
a good And Tim, I don't know. There's a little
little adversity in the in the ranks of the fans here.
They think they might get get drugged today. You think
with looking m h I briblna is that I'm I'm
a big UK fan. Uh you know, I listen to

(17:36):
a lot of the shows and all the expectations of
teams across the country and UK just has just a
brutal SEC schedule this year. Uh, so you know they're
just going to have to get better and better. Five
wins is going to be a great season. Five or
six wins, I think, Steve you brought that up as well.

(17:59):
And if they if they can pull that off, it'd
be great. Hopefully they'll just played hard and do the
right stuff and give themselves a chance. But anyhow, that's
gonna be going on this afternoon. You have pregame coming on,
say the pregames at noon and the game is at
three thirty. Yeah, pre games and now okay, if I
was thinking so, yeah, but uh, it'll be right here
on six thirty. Wlap jump on and catch that and

(18:20):
then they'll real lead right into game time. Anyway, Banks,
you'll put duay from nine to one from numbers eight, five, nine,
eight nine nine one nine three six. We're just talking about, uh,
where we're at interest rate wise for six and three
eights on a thirty and five and three eights on
a fifteen, around six on a twenty. So if you
have a loan that you'd like to consider refinancing, please
do give us a call at eight five, nine, eight, nine,

(18:43):
nine one nine three six you're gonna be calling somebody
with some loan experience. You're gonna be calling people with
probably the lowest closing costs you're gonna be offered, and
you're gonna be calling somebody that's gonna service your loan,
which means on our conventional loans, you're always gonna be
paying Guardian Savings Banks. So if things change or you
need something, or you to work find something out, you
can call us and we'll have access to your loan.

(19:03):
I think we've got about three and a half billion
in servicing at this point. That's how Guardian makes the money.
And you know, that's why the closing costs are so cheap.
And as we know that the payback is truly in
the payback and we'd like to get you in the family,
keep in the family, and take care of you. May
we roll at the till yes, sir, And we all
are going through files that we have originated in the

(19:26):
last few years, and we're trying to reach as many
people as we can to If you, if you're under
a rock and you seeing what goes on behind the
scenes with the Federal Reserve, I'm gonna keep calling these people.
As you know, I had a couple of seven and
a quarter. They're looking you know that they're under my

(19:48):
umbrell already and they I keep im keep in touch
with them. They're not ready to pull the trigger at
six and a half from seven a quarter And that's okay, Uh,
that be a smart play. We don't know until the
peds meet next week, and if we see some collateral
improvement come from that meeting, then they would have been

(20:10):
wise to it. But but you know me, you're the
analogy that Striker Ironware or irons Hot. Yeah, and it's
just you know, at least if you get the process started,
we know exactly what we can do. Until we lost,
you know, then it is what it is. But I
try to tell people all the time as all tools
the market is, you know, and some of the crazy

(20:31):
stuff that they have come out with on why rates
are what they are and why they want to keep
them where they're at and all of those stuff, I don't.
I don't. I would probably venture to say that most
people need to just go ahead and jump and take
the savings you can get and if it goes down again,
we'll do it again. You could probably refinance three times
at Guardian Savings. Bank for what it would cost one time.

(20:52):
With most of the people out here then are our competitors.
And that's the main thing. And people, you know, we
try to say it, but until they do it, or
they talk to somebody that's you know, dealt with Guardian,
they're familiar with Guardian, they just it's too good to
be true. Still Cam and we've been taking We've had
this radio show with eighteen years now. Yes, sir, somewhere
he knows preaching the same thing, doing the same thing,
tolling the same thing, and trying to get people to

(21:13):
just trying to help people save money. Just try to
guiding down the right path to financial freedom and good
cash flow and a comfortable life. I mean, the stress
for somebody that you know is comfortably paying their bills
is a want less than somebody that's struggling lenth a
month and have an opportunity to lower your payment in
some capacity on your mortgage, which is chounting your biggest payment.
But they won't get the paperwork out and look at

(21:34):
they won't put the ten minutes in to get the
application turned in. And it's not that big of a
deal to fifteen or twenty minutes a time to save
however much money, trying to keep on looking and keep
on checking and keep working. You just said, you don't ask,
you don't know, but you need to just give us
a call. Eight five nine, eight, nine, nine on nine
three six once again, six and three eighths on a
thirty five and three eighths on a fifteen and come

(21:56):
down quite a bit over the last several weeks. And
the Feds have done anything yet. It's the confidence and thing,
the thing that they think is going to happen in
the bomb market's coming down. And that's what, Bob, that's what.
That's what. The interest rates are dictated by learn employment
somewhere around there four point two or something. And who
I'm We debate that all the time, Tim the people

(22:19):
will we not know that's not working? What are the
real numbers? It was a trick question, Yeah, it is
a trick question, but they used it, you know, they
use that as far up position making. You know, we
talked about all the time, and now we are, but
you know, made some changes with the bill. I see
how their big jet however, was running. It was you

(22:41):
know that they'd off by a couple of million jobs
that they'd turned in, but you know who's accountable for
if somebody was, so they made a change and we'll
see if it helps get everything together. The information was
they were overworked and understaffed and that's why the numbers
were wrong for the last severe years. But just couldn't
couldn't get everything to tie down with what was coming

(23:02):
in from payroll numbers, what was coming in from unemployment
UH filings, and it's just, you know, stuff just didn't
add up, and people that can see it and read
it new it. And but now hopefully that the information
that's around about is strong enough that we can get
a reprieve and the spawn market we keep working in

(23:23):
our favor, and if it's working in our favor, it's
going to be working in your favor as a consumer
and a borrower, and we can save you some time
and money is the goal once again. Six and three
eighths on a thirty five and three eighths on a
fifteen of the fifteen year, and with the right credentials,
you can get that done for as little as five
up buck. The six and three eighths is prepending long

(23:45):
their credentials on that it could be as much as
nine forty eight closing coff If that ain't bad, damn
nine forty eight? Are you kidding me? What covers? Break
even as very quick tell them what that nine forty
eight covers and closing cuff timent covered your appraisal and
close it covers your title examination, then cover all the

(24:08):
doc pro and that covers a qualified closing agent to
sit down with you with the paperwork and make sure
you understand what you're signing. But we go to great
links to send a preliminary clothing disclosure before you go
to that closing room. There shouldn't be any questions. They
should be very well versed in what they're looking at

(24:28):
and what they're getting ready to sign. The course of
qualified bonafide closing agent will help you navigate that paperwork.
That's it now recording picking to record the new mortgage
at the courthouse to that's a that's a legal necessity,
so other an under eighty bucks and that's not included
in the nine forty eight. But the tall ark is

(24:50):
we have we we just passed along a wholesale price.
I mean somebody can mark that up from another lender
and sell it to you for much more of what
we don't and so we try, you know, I unpacked
our closing costs. Then they get sense and we should
have a very competitive rate of the day. But like
Larry says, if you're going to spend four or five
thousand in closing costs, huh, you can't afford to refinance,

(25:15):
like we can't a guardian exactly. And the thing is,
you know people, you know we've been talking about the
whole show that just a couple of times O the
last couple of weeks. Then I'm talking to people hitting
them up like you said, Tim, you know of our
from our portfolio of loans that saying hey, you know
rates had come down, I can save you some money. Oh,
we're kind of waiting for the one percent rate drop

(25:36):
that one said. Look at this is let me sing
you some numbers. You know, this is what it's gonna cost.
This is when you're going to break even. This is
where the one percent hits home. And the one percent
rate drop that people talk about and have in our
entire life is this. If you're paying excessive amountain closing costs,
where's the break even point? That's where that one percent
makes sense. But if you're paying nine to forty eight
closing costs and you're saving three hundred bucks a month.

(25:57):
It takes three months to break even. Six thousand calls
and goss. That's going to make you quiet a few months, yuh.
And you know, and it's it's just you know, where's
the rubber meat throat And that's what we're trying to get.
And now also we're talking about saying thing you get
ready to retire, getting ready to restructure your debt, give
us a call, let us have a look. Let's see
we can get you in line before you get the

(26:17):
retirement notice, because sometimes after you get it and things
tighten up and the overtiming bonuses aren't coming in and
everything changes almost too late. Sometimes not always, but it
can be. And it's rather get your set up and
sign up and in line to know exactly what you
got coming in, going early, the sooner the better, that's right.

(26:40):
I think you would agree with that one is him
soltly agree with most of everything you say. That's right.
So the true well we speak the truth on here.
It's just trying to get people to buy in and
be in and you know, be local, buy local and
stay local. That's what I say. Let us help you
with your own let us get your stuff put together
for you. This is called eight five nine eight nine

(27:01):
nine one nine free six. I listed Tim and Larry
every Saturday they drive me. What Denny Humphrey said, I
can't believe it. Old Marty Kluth. You know some of
these guys out here, they're out here, you know, beating
us up. But we got to get stuff done and
make it happen. So what anybody out there that needs
the gutter guards? My front of my house was jam

(27:23):
packed full of leaves and had big problems. And your
friend Denver Humphere's came over here with his crew and
they had it done. They I got in all new
guards so I should not have to worry about claw gutters.
So I can see on TV. And I think he
had the best price that I put it over many. Yeah,
he does au lit stuff. Man, He's got the right connections.

(27:47):
And he'll get on here and give us your name
and number. Because it is gutter season, because we're getting
mental rain will be coming soon, and right now is
the time to call get your gutters straightened up for
the winter. Yeah, he got that right. But Thenny does
a good job. But we got a lot of regular
listeners on here. We're like they're throw them at Katrina
South and a lot of these people. So anyhow, we're

(28:08):
gonna take another break. You are listened to Welcome Home
Show by Guardian Saves Bank. We're open the day from
nine to one one. Themer's eight five, nine, eight nine
nine one nine three six. We'll be right back you
listen Welcome Home Show by Guardian Saves Bank on news
Radio six thirty to lap See right, Thanks, get back.
Listening to Welcome Home Show by Guardian Saves Bank. Man,

(28:28):
it's Larry Frank sent it with it a Saturday morning.
Glad they have you tuned in to us. Bank is
open the day from nine to one one. Themer is
eight five nine, eight nine, nine one nine three six
seven drives eight five nine two six three three three
three five. So if you can hear, if you can
call us six and three eighths on a thirty or
six five and three eighths on a fifteen, if we
can help you, let us let us take a look,

(28:48):
let us get a plan. We'll get you some numbers
to consider. If they're inligned with what we can save
you money on, then we'll move forward. It's not shop
around steal with out there. But we'll be in the
game ten We always are and have been for you years.
We just need people to give us a call and
give us a chance. Stevie Manine to play the fight
song for this last secment is to get the inspired.
Get them going on. They're going to have their hands

(29:10):
full down there. So be safe out traveling around today
and get out and enjoy it and support the team.
Gonna be a rough on. People are flaming. I hope
they make a good show of it. See what's going
on in NFL season got started, look already, so get
that going on? Got the Nnessey going. I like that
part of the season. Well, fantasy foot and Travis got engaged,

(29:32):
Larry oh Kelsey, Travis said, Taylor Swift. They got engaged.
And you don't know Travis Kelsey and Taylor Swift are
engaged now. Oh wow, I thought you were saying or something.
I was like, what say send to kill us? What else?
Could you you leave it down the road for a
joke or a punchline or something. She see see always

(29:58):
that what it is how I got here? Puffies? Well
good for them, yes, yep, good for them. But hey,
if you'll bring this up again, if you get up
to Golden's Pub and Delhi after in Georgetown, get after
this Sunday again all night, listen to some good music,
be George Moulton or Avery crab Free or somebody out there.

(30:19):
He's got David Ball come into town too. He's got
tickets on sale for that that old Golden Pub out
there Georgetown. Here is great place to get some food
and just a just a cool little ambiance of a
spot out there. It's nice. Come in and once again
today three thirty kickoff pre game See what was that?
Pre game twelve? So tune in for all your pregame
action here on a news radio six thirty and let's

(30:43):
cheer these cats on as best we can. Who knows
as strang as you can happen? Yep, yep, see what happens,
Get a few breaks, keep everything close and go from
there and see what hell? What else is going on
around town this weekend? Think you've been up to the
pool over at the at training out or that's something
just for therapy. Uh, you know, I've had some back issues,

(31:06):
but I think I'm on my way up recovery. But yeah,
you know, it can't hurt that we all have positive
viots for this h weekend game. But right tune in
early you may learn something about the catch didn't know
and who knows? Yep. And we faith watch people walk
around hope we drinking and driving say out of trouble.

(31:30):
We know. We don't want the big new a nation
here listening to us right now just because they're for
the game, right yep, And we appreciate that. And hey,
if you can hear, you can call us eight five
nine eight nine nine six. I promise you'd be be
local by a local, stay local. That's our claim to fame.
We service these loans. We're gonna take care of you.
We do have faha VA USDA Kentucky housing those loans.

(31:53):
We do not service those, but we still have some
of the lowest closing closing costs on putting them together.
We've got down payment assistance programs on some of those things.
At the bank. We do have checking and savings and
CDs if you want to set up an account there,
but you're not required to have a check in or
savings account at Guardian Savings Bank to save money on
closing costs. Tim and that was something we had to
talk about for a long time. You don't have to

(32:14):
have a checker saving it. We'd love to have a
checking or savings account, but you don't have to have
it to get the you know, five hundred dollars closing
costs on a fifteen year loan or any of that.
So it's a the wee heart real bank. This is
an hour long cellphone as far as the loans go.
But we'll get it all put together. Hey, we don't
throw a shout out to Richard Klaunch now that you
have a birthday this week, Tim, and you got one

(32:35):
coming up next week as well as I do. Yes,
I don't acknowledge it now, Erry, I don't acknowledge day.
You know, after twenty one, that's over right, I'm still
twenty five right now. Yep. Yeah, So anyhow, but we
hope everybody has a good weekend. Stay tuned, listen to

(32:56):
the pregame show, Cheer the Cats on get out the
Goldens Hub and Delhi. If you get a chance this weekend,
listen to some good music. It's about five days or
something along those lines. But we appreciate you tuning into
us as always. We'll be back next Saturday again and
we'll have another session of educational economics that we know,
and we'll do our best to share what we see

(33:17):
coming with the rates and everything. But we appreciate you
tuned into us for Tim Adams. I'm Larry Frakes at
Guardian Savings Bank. Over the day from ninety one for
numbers eighty five, nine, nine threes, you ben listen to
Welcome Home Show program by Guardian Savings Bank on Duke Drigo.
That's six thirty w l ab