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Mortgage Matters is a Las Vegas, Nevada–based mortgage and homeownership podcast hosted by licensed loan officers Roland Daniels (NMLS #355859) and Heidi Griffith (NMLS #2247754) with Geneva Financial. Airing every Sunday at 7:30 AM on KUNV 91.5 and available wherever you listen to podcasts, the show covers real mortgage questions, down payment assistance programs in Nevada, VA loans, FHA loans, first-time homebuyer strategies, and building generational wealth through homeownership.
But Mortgage Matters is more than a mortgage show. Roland and Heidi regularly bring in community voices—organizations and individuals doing meaningful work across Las Vegas and Nevada—because they believe homeownership doesn't happen in a vacuum. Housing advocacy, community resources, and economic empowerment are part of every conversation.
Roland and Heidi are active community educators who lead free homebuyer workshops across Nevada in partnership with the Nevada Housing Division, Chicanos Por La Causa (CPLC), and Nevada Rural Housing Authority, plus a series of other housing and finance classes, covering programs like Home Is Possible and Worker Advantage. Roland Daniels is a director with the local chapter of the National Association of Real Estate Brokers (NAREB), Black Realtists of Southern Nevada — an organization both Roland and Heidi are proud members of. Heidi Griffith currently serves as acting President of the Silver State Fair Housing Council, where Roland also serves as a board member. Together, they bring decades of Las Vegas mortgage expertise — and a deep commitment to closing the racial and economic homeownership gap — to every episode.
Announcer 0:00
This is a KU NV studios original program. The
Wesley Knight 0:04
content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. Nova.
Roland Daniels 0:43
Good morning Las Vegas. Welcome to mortgage matters. I'm Roland Daniels, a certified mortgage advisor with Geneva financial. My NMLS number is 355859, our company, NMLS number is 42056, and I'm here this morning, as always, with my fantastic co host, Heidi Griffith, good morning. Heidi,
Heidi Griffith 1:08
well, good morning, Mr. Daniels,
Roland Daniels 1:10
Good morning.
Heidi Griffith 1:11
Happy Sunday.
Roland Daniels 1:12
Happy Sunday, thanks
Heidi Griffith 1:13
for spending this part of your morning
Roland Daniels 1:14
with me. Of course,
Heidi Griffith 1:16
I appreciate ya.
Roland Daniels 1:17
I appreciate you as well.
Heidi Griffith 1:18
Happy Sunday, everyone. I'm Heidi Griffith. I'm also a mortgage advisor and your Director of Client Services. My MLS NUMBER is 2247754, so we've been having some really interesting conversations with buyers lately, haven't
Roland Daniels 1:35
we? We have,
Heidi Griffith 1:35
yeah, and I think a lot of people kind of waiting to purchase are running into kind of these kind of scenarios. Right now, you can be fully approved to buy a home and still not be able to buy the one you absolutely want. And this isn't anything to do with the price of the home. And not being able to qualify for the price, is it?
Roland Daniels 1:56
No, it is not.
Heidi Griffith 1:58
But before we talk about all that, let's talk real quick about the upcoming CE class we have for real estate agents with the state of Nevada housing division.
Roland Daniels 2:06
Yes,
Heidi Griffith 2:07
it's the home is possible CE class if you're a real estate professional, if you know a real estate professional, this might be the room you want to be in, because the state of Nevada housing division has programs that are helping make homeownership accessible
Roland Daniels 2:22
and possible
Heidi Griffith 2:23
and possible as at home as possible. And it's one of those classes that you're probably going to leave and go, huh? I might know somebody that I was working with, but they didn't have their down payment saved up, but they were working towards building some, you know, more reserves,
Roland Daniels 2:42
right?
Heidi Griffith 2:42
And you may be in a position to reach back out to them and give them some options,
Roland Daniels 2:49
right, and actually help them
Heidi Griffith 2:50
100% number one barriers to home ownership, credit
Roland Daniels 2:54
and money.
Heidi Griffith 2:55
And money, money is the big one.
Roland Daniels 2:56
And with Nevada housing division, we got you covered with the money, at least for the down payment and sometimes part of the closing cost.
Heidi Griffith 3:05
Yeah, absolutely. I mean, they have a new program that actually started December, one the workers Advantage Program. It offers $20,000 towards down payment and closing cost. And there's actually even the option with this program
Roland Daniels 3:20
to buy down the rate,
Heidi Griffith 3:21
man, and if you're a real estate professional, rates have probably been on your mind.
Roland Daniels 3:26
Yep,
Heidi Griffith 3:26
it's the number one reason people aren't buying right now. They're waiting for the rate.
Roland Daniels 3:30
And it's actually on your client's mind as well.
Heidi Griffith 3:34
Absolutely, absolutely. But this takes, you know, some hurdles out. There are some suggestions for marketing the programs we go over the kind of the lending side of the programs we
Roland Daniels 3:45
do,
Heidi Griffith 3:46
and Josie will be there. She's with the Nevada housing division, explaining how these programs work and how they can benefit you as a professional, yeah,
Roland Daniels 3:54
because one of the benefits is definitely to help more buyers qualify
Heidi Griffith 3:59
Absolutely, absolutely. That's our goal. So again, if you're a real estate professional and you're listening, I mean, this is what we're seeing. We're helping people who did not have the opportunity, you know, we'll take it back to 2020 to, you know, 2023 they didn't have the opportunity because they were being priced out, because people were paying above
Roland Daniels 4:19
and beyond the appraised value,
Heidi Griffith 4:21
yeah, or list price. And there was multiple offers. This gives people some breathing room.
Roland Daniels 4:27
It does,
Heidi Griffith 4:28
and allows them to get into home ownership, and if they fall into the worker categories. For the worker Advantage Program, the interest rate is absolutely phenomenal. So if you're curious, or you'd like to register, please feel free to reach out. We're at 702-540-0420 again, that number is 702-540-0420 that class is going to be on Thursday May 7, from 10am to 1pm so you get three CE credits you do it. Going to be at Stewart title company, and the location for that. Stewart is 7251, West Lake, Mead Boulevard. It's in there, down stairs, training room. It is suite 104,
Roland Daniels 5:11
and complimentary brunch is provided
Heidi Griffith 5:14
absolutely so let's get back to it. Let's
Roland Daniels 5:16
do it. I'm
Heidi Griffith 5:17
going to say it again. Biggest barriers to home ownership,
Roland Daniels 5:20
credit and money.
Heidi Griffith 5:21
Money is always the big one. It
Roland Daniels 5:23
is. It hasn't
Heidi Griffith 5:23
changed. I don't think it will ever change,
Roland Daniels 5:26
no, since it takes the average person seven years to save up for that down payment.
Heidi Griffith 5:30
And what do prices look like seven years from today?
Roland Daniels 5:33
I wish I had that crystal ball.
Heidi Griffith 5:36
It broke. Crystal Ball broke. It did. So we're also seeing something, and I thought we would talk about it today, because we're seeing it more and more when people get pre approved. The first thing that we suggest doing, the first thing that we teach in class, real estate professionals will tell you the first thing you need to do when you go out to purchase a home is to get pre approved, right? And there's a couple of reasons for that. Number one, so that you know how much you qualify for and what you can actually look at, right? And a lot of real estate professionals, you know, they they can't just be taking you around willy nilly. Well,
Roland Daniels 6:12
most of them won't even put you in the car or send you anything until you're pre approved,
Heidi Griffith 6:16
right? Because they need to know what to send you. They need to have a better understanding of what you're going to be purchasing. And we're seeing this happen a lot more. So I thought that we would talk about it today. And that's, you know, you get pre approved. You get pre approved for $1 amount. And we're just going to make up numbers. Let's call it. You're pre approved for $450,000
Roland Daniels 6:36
okay, okay. Pre
Heidi Griffith 6:37
approved for $450,000 to go out shopping. You find something you like, and maybe your realtor sends the information on the property. Maybe you call and give us the information on the property. And when I say the information, I'm talking about the sales price, or the price that you plan on offering on the property, property taxes and the HOA, there's no way and and you said that correctly. The HOA. And, you know, I'm not necessarily anti HOA. They've got their bonuses, I guess, but you just
Roland Daniels 7:09
have to remember as part of that mortgage payment,
Heidi Griffith 7:12
right, right? So there's some ups and downs with HOAs. I'm sure that if you're tuning in this morning, I said Hoa, you probably grumbled a little bit, right? But along with all of those grumbles comes the amount for the HOA. And we're primarily seeing this in condo communities and condominium communities. HOAs are there for a purpose. Obviously, you know, there's bylaws, there's all that kind of stuff, but there's also a fee associated. And I'm sure that we all pretty much heard some of the horror stories along with that. And we continue to see HOAs go up. And when we sit down with folks, I know that you do this, I do this when we sit down with folks on that initial conversation that we have, just a conversation about, you know, goals and what we're looking
Roland Daniels 7:59
for in person. Goals,
Heidi Griffith 8:00
yeah, we talk about pre approvals not being specifically blanket,
Roland Daniels 8:07
right?
Heidi Griffith 8:08
So, yeah, you qualify for $400,000 but
Roland Daniels 8:11
doesn't mean that you have to buy a home at 400,000
Heidi Griffith 8:14
Yeah. And if the HOA is more than we estimated, and we try and estimate high on HOA. We
Roland Daniels 8:20
do,
Heidi Griffith 8:21
if the HOA is higher, that could then bring your pre approval down. Because WE as lenders, all lenders, are going to account for whatever that HOA payment is, even though it's not paid in your mortgage. We still when you're getting pre approved and when you're getting qualified, we're going to add that payment in. So if we pre approved, you have $400,000 with property taxes at, you know, $175 a month, that's an estimate, right? Because we don't know what property it is yet, and $150 HOA and property taxes are higher than estimated, which could happen
Roland Daniels 9:01
depending on where that property is actually located,
Heidi Griffith 9:04
and two properties next door to each other could have completely different right? And then,
Roland Daniels 9:08
when it comes to conventional financing, we have mortgage insurance premiums or private mortgage insurance, and then FHA mortgage insurance premium, along with principal and interest, that's the five pieces of that total mortgage that we have to account for,
Heidi Griffith 9:23
right? So payment, interest, taxes, mortgage insurance, if there's mortgage insurance and HOA.
Roland Daniels 9:30
And HOA
Heidi Griffith 9:30
are the five things we look at, but the HOA throws us for a loop on some transactions, especially, you know, we in working with folks who, maybe they qualify for a lesser amount. Maybe it's, you know, 300,000 and they've decided, because once we get on to, I don't know, Zillow, we'll call it Zillow, my buddy, Zillow, we get onto Zillow and start looking at properties, and maybe we see a super cute condo for 280 and think that, oh. Okay, slam dunk,
Roland Daniels 10:01
right? It looks wonderful,
Heidi Griffith 10:02
right? It's gonna really depend on what that HOA cost, because we've had buyers who were out looking they qualified for amount on paper, the HOA was some outlandish amount, because the average HOA for condo communities in town is anywhere from 250 to 400 plus.
Roland Daniels 10:20
Wow, the HOA fees have definitely increased over the years.
Heidi Griffith 10:24
They have. And you know that 250 is going to be a very basic community, some of the luxury, the high rise, all of that kind of stuff. That's definitely going to be more than 400 in so many instances,
Roland Daniels 10:35
right?
Heidi Griffith 10:36
So we have to take that into account. So when we say we pre approve the property. That's why we ask folks, when they're out shopping to send us the information. We'll run the numbers, especially if you're close. You know, in qualifying now, if you qualify for $600,000 and you're out looking for a $400,000 it doesn't own as much. But if we're close to that number, we want to run the scenarios to make sure,
Roland Daniels 11:02
and we do recommend that you send us that information so we can run the numbers and go over the numbers with you
Heidi Griffith 11:07
again. Yeah, that's amazing, because you're now able to see what that looks like
Roland Daniels 11:13
and see what that total payment is as well,
Heidi Griffith 11:15
right? And again, when we when we're giving people, you know, estimated total monthly payments. Those include the HOA
Roland Daniels 11:22
it is
Heidi Griffith 11:23
when you pay your mortgage, it will be less whatever that HOA amount is, but you still have to pay your HOA,
Roland Daniels 11:29
right? Just know you have to pay that separate check, or however you want to pay it, that separate HOA payment from that mortgage, yeah, and I'm
Heidi Griffith 11:35
going to add an asterisk here, because we got a call from somebody just yesterday on this, and so I thought this is a good time to just kind of mention this, so that we all understand your HOA can foreclose on you if you don't make that payment.
Roland Daniels 11:47
Wow.
Heidi Griffith 11:48
So food for thought as you look at stuff, I'm not telling you not to purchase in an HOA community, pretty much every condominium, every town home community, has HOAs in town, I think that 60% give or take of our properties here, yes. So, you know, we work with buyers who are completely against HOAs and will not purchase in an HOA, and that actually makes their search a little bit more challenging, because there's less homes without available. Yes, yeah. So anything built before 1990 you know, there's a good chance that you can probably find something in there. But I know when I started my real estate career, it was the birth of the HOA, and everybody was said, you know, California brought the HOA here. Well, that goes,
Roland Daniels 12:33
Yes,
Heidi Griffith 12:34
you know how that goes. But so it's just food for thought. The HOA is going to get counted as your mortgage, if, for whatever reason you're really close in your qualifications that Hoa, if it's higher than we estimate, and again, you and I estimate high,
Roland Daniels 12:48
we do, we do? We really do. Yes, we want to take an into account of everything that's involved in it.
Heidi Griffith 12:53
Yeah, if you have any questions about anything we talked about today, please feel free. You can give us call or text us. We're at 702-540-0420, 5400420, again, that number is 702-540-0420, so as we talk about the HOA thing, right, and being qualified based on a property, and I know that sounds different than most people here, I've got a great story. We have a client that's actually going to close in just a couple of days. Couple
Roland Daniels 13:23
of days, which is awesome.
Heidi Griffith 13:24
It is awesome. It's She's a phenomenal lady. She's got a great story, and I think that she's really thought this process through. And I was really impressed with her, her movement as she went into home ownership.
Roland Daniels 13:39
I agree with you. She's probably one of the most disciplined borrowers we've had. Yeah,
Heidi Griffith 13:45
and it's hard. We understand, very
Roland Daniels 13:47
hard.
Heidi Griffith 13:47
I know, I, you know, bought a few homes in my lifetime, and I know how emotional Buying a house is,
Roland Daniels 13:55
I think it's probably one of the emotional events that will happen in your life,
Heidi Griffith 13:59
right? And even bigger than, you know, it's you've got ups and downs. Sometimes it's scary. Sometimes you feel like it is, what am I doing? What did I make the wrong decision? But even bigger than that, the emotion of excitement takes over. And, you know, it's say it all the time. It's that whole FOMO thing and and you start thinking that you need to have bigger, or you have to have better, or, you know, you start decorating in your brain. And a lot of times, some of the logic goes out the window when you're when you're making purchases like this.
Roland Daniels 14:31
And for those who don't know, it's the fear of missing out.
Heidi Griffith 14:34
So there's a lot of emotion, and then people look at it a little differently. You know, great situation, scenario that happens a lot is that folks come in they get pre approved, right? And it may not even be an HOA thing right now, they're pre approved for a certain dollar amount based on what they earn, and
Roland Daniels 14:55
they're just happy
Heidi Griffith 14:56
and they're excited and they're out looking. But then, you know the stuff that they are. Looked at online before they got pre approved was cuter or nicer or the rental property that they're living in. You know, looks better than anything that's their rental
Roland Daniels 15:08
property.
Heidi Griffith 15:09
It looks so much better than the stuff that I'm looking at that's in my price range. And they're not thinking about big picture,
Roland Daniels 15:17
right?
Heidi Griffith 15:17
And I'm not telling you that they're wrong. I've done it. I've done it. I had big dreams for my first house. I had it decorated in my head before I even saw it. But I love what this client is doing, because she knew that she's in a rental right now. She knew with her two kids and with their lifestyle, the kids did a lot of you know, they do a lot of activities. They like to go on vacations together, and you just want a little bit of level of comfort
Roland Daniels 15:45
right
Heidi Griffith 15:45
in your monthly expenses.
Roland Daniels 15:46
Well, you don't want to be tied to that mortgage payment
Heidi Griffith 15:49
well. And this is even before, yeah, this is her rental, and she knew with her current rental amount that it wasn't comfortable,
Roland Daniels 15:56
right?
Heidi Griffith 15:58
She knew going into home buying that she wanted to stay under $2,100 give or take a month, because she wanted to be less than what she was currently
Roland Daniels 16:07
paying. And it is a little bit less than her current rent.
Heidi Griffith 16:10
It is, and it was tough because, because that doesn't allow you much to qualify for
Roland Daniels 16:18
no because most of the time the mortgage payment is more than your rent,
Heidi Griffith 16:22
right? And that's where we talk about that, that
Roland Daniels 16:24
practicing right
Heidi Griffith 16:26
is talking about practicing paying your mortgage, yes. So what that basically looks like is, while you're still renting, and you get pre approved, and you know that your mortgage payment will be roughly this dollar amount, and you pay this in rent, you may pay, I don't know, 1800 in rent, and your new mortgage payment is going to be 24 you pay yourself that difference every month, just so you get that feeling.
Roland Daniels 16:51
But in this situation is almost reverse, right?
Heidi Griffith 16:54
Well, and she, she that qualifying number wasn't, as, you know, much as she actually qualified for, because she did want to keep her payment down. And so looking for a property, and I'll tell you, she was looking for about $250,000 with that $250,000 that was because we knew that there would more than likely be an HOA
Roland Daniels 17:14
right
Heidi Griffith 17:14
at that price point. It becomes, you know, a condo, a town home, something like that. And so we knew that we would have to look at every property, not because she wouldn't qualify, but because she wanted to make sure her payment was comfortable. And I I give her big kudos on that, because she knew what her budget was. She stuck to it, and
Roland Daniels 17:35
it did.
Heidi Griffith 17:36
It wasn't overnight that she found a property. I'm telling you.
Roland Daniels 17:38
There was more than one property. Matter of fact, it was like six or 780,
Heidi Griffith 17:43
I ran numbers. I ran numbers on, probably, I don't know, 1215, different scenarios on different properties, so that we could kind of break it down. I worked really closely with the realtor so that he could then negotiate the best for this client. He did a phenomenal job. He really was looking out for his client's best interest,
Roland Daniels 18:06
right?
Heidi Griffith 18:06
And finally, finally, they were able to find an awesome condo enough room for her and her two kids in the school, the school area that you want to say not the district, since we only have one.
Roland Daniels 18:22
So one of the areas that was that kind of, how should I say, the search, it made it a little bit tougher due to the fact that she wanted to be close to the school.
Heidi Griffith 18:33
Well, she she wanted to stay in the area so the kids could get to school. But she also was willing. She was willing to go away from whatever her initial criteria was to find a property she'd even thought about perump. It's just that, once she got into Pahrump, saw what was there, and then realized that drive Yes, knew that that probably wouldn't work for her, but she really did exhaust all of the options and they found this property, she was able to negotiate, she it's a conventional loan,
Roland Daniels 19:04
right?
Heidi Griffith 19:05
And they were able to negotiate the maximum allowed seller credits towards the closing costs. So they got the full 3% the appraisal came in $5,000 higher than what her offer was. Right another, you know, fantastic thing. She's going in with $5,000 in equity, and her payment is under what she wanted, and so she's going into this home. And like I said, she'll close in a couple of days. She's going to go into this home ahead of the game, right? She knew the value of owning real estate,
Roland Daniels 19:42
home ownership.
Heidi Griffith 19:43
She knew the value of, you know, doing a little bit better for her kids,
Roland Daniels 19:47
right?
Heidi Griffith 19:48
And knew the value that I don't want to spend above my means. I don't want to be stuck. If we want to go to the beach for the weekend. We have the means,
Roland Daniels 19:57
right?
Heidi Griffith 19:57
If something happens, because life happens, emergency. Has happened
Roland Daniels 20:00
life, lives
Heidi Griffith 20:01
we have the means to take care of that. She understood what homeownership looked like in you know, because there's cost associated with homeownership, not just your mortgage. She understood that if there was something wrong, you know, garbage,
Roland Daniels 20:17
she's responsible for those repairs.
Heidi Griffith 20:20
And she knows that, you know, she's got people that she can call on, and she's got money socked away to make those repairs if necessary. So I think it's just a really great mindset. She's an inspiration to me. She stayed consistent, she found a property that would work based on her actual criteria, not emotion, right? She didn't, and she
Roland Daniels 20:43
was disciplined for not allowing that emotion to take over.
Heidi Griffith 20:47
And she's still excited. Don't get me wrong, she's still emotional. I mean, we're almost at the finish line, but she knew what she needed to do. Her payment ends up being less than her current rent. The property is about the same size is the current place She's renting. Most buyers aren't doing that,
Roland Daniels 21:04
right? They're
Heidi Griffith 21:05
not that. You know, they're they're looking for something comparable to what they're renting or better,
Roland Daniels 21:12
right? And most of the time, in a lot of instances, that rental looks good and but if you look at the payment or the cost of that property is definitely more than those properties out there in today's market.
Heidi Griffith 21:25
And we, and we hear that pushback a lot. You know, a lot of people are looking for something comparable to what they're running or better. And a lot of buyers are shopping based on their lifestyle, not the numbers, right? And so I know you had the conversation last week. We have a buyer that's out looking, we she's pre approved for in a certain amount, and that amount wasn't what she wanted.
Roland Daniels 21:51
Well, yeah, when she got the list of homes and she didn't like some of the options or some of the amenities, she was looking for something more,
Heidi Griffith 22:00
right, right? And so a lot of buyers that we talked to are comparing it to whatever it is they're renting, and we have to stop and take a pause about that, because what are they renting? First of all, how long has the the landlord owned that property? You know, did they buy it 10 years ago? What
Roland Daniels 22:16
is that,
Roland Daniels 22:17
you
Heidi Griffith 22:17
know, did, did I, as a renter actually make the final mortgage payment for this landlord.
Roland Daniels 22:23
Some instances, I pretty much purchased a home for
Heidi Griffith 22:27
for the landlord. Yes, and it's not uncommon. And you know, if it's a corporation that you're renting from, oh gosh, gosh darn it. But you know, maybe you're living in a property that's value is higher than what you qualify for. And I understand we want to live in in a nice place. You know? I understand that we get used to certain things, but the one thing that I can't stress enough is that we're making somebody else wealthy. We're paying a mortgage, just not our own, and we can only afford what we can afford, and that's why I wanted to start with the client who's getting ready to close next week. I wanted to start with that conversation because she really did kind of touch a part of me that said, this is this. Is it? This is the way we should be doing stuff, because we're so busy trying to keep up with the Joneses we and I'm not telling you that we shouldn't like nice stuff. We absolutely should. You know, if you like really nice stuff, that's something to work towards. But if your salary isn't permitting that, should you continue to live in the same type of property you're living in while making someone else
Roland Daniels 23:44
wealthy,
Heidi Griffith 23:45
or at least paying off their mortgage.
Roland Daniels 23:47
Yes,
Heidi Griffith 23:48
you know, I don't know, maybe, maybe that's your thing, and that's cool, but if you want to move forward towards home ownership,
Roland Daniels 23:55
yep,
Heidi Griffith 23:56
don't let that stop you. You know, I talked to somebody a while ago and had the conversation like this, you know, okay, you love where you're living. That's cool. You do want to own real estate. We had that conversation.
Roland Daniels 24:08
Well, you have to be in the game to play the game.
Heidi Griffith 24:12
That's it. And another thing that we're seeing more and more of, I mean, the affordability gap is becoming farther and farther. We know that wages aren't keeping up with cost of living. So if you're comfortable renting, right? And you want to rent, that's cool, but if you want to kind of get your feet wet in real estate, if you want to be a homeowner, whether it be your primary residence or an investment property or whatever that looks like,
Roland Daniels 24:38
yeah, and don't get caught up. Just because you're purchasing that particular home doesn't mean you can't purchase another home. Well,
Heidi Griffith 24:44
that's the thing. Most people think that. We all say that this is going to be our last house. I've said that a couple of times. This is it. I'm not buying another house. This is my final house. And a lot of us, when we're buying our first home, we envision it being. Our our dream home. And again, I'm not telling people that they shouldn't get everything they want in their home. Chances are you won't
Roland Daniels 25:08
right.
Heidi Griffith 25:09
Look for the stuff that you need in a home. If you need three bedrooms, and that's important because you have two kids, then that's that's a need. If you want a fireplace in your bedroom again? Do you need a fireplace? Is it going to be a deal killer? Well, you know, if you're on your second or third or fourth home, and you're, you know, in a financial position to have a fireplace in your bedroom, yes, when you're purchasing your first home, is that going to be a deal killer?
Roland Daniels 25:39
Right? Agree.
Heidi Griffith 25:41
So really, my suggestion would be, take a look at the full picture.
Roland Daniels 25:45
Yes,
Heidi Griffith 25:45
sit down. Figure it out. Figure out your budget. Know what you're putting out every month. We've talked about that a lot, haven't we? We
Roland Daniels 25:52
have and that's why we do have that call when it regarding dreams and goals of what you want,
Heidi Griffith 25:59
yeah, yeah. What are you trying to build? What does right now versus the future look like? So before we get out of here today, let's take a moment to talk about something that's important to both of us.
Roland Daniels 26:11
Very important.
Heidi Griffith 26:12
If you've turned tuned in before, you've heard us talk about fair housing and the importance of fair housing.
Roland Daniels 26:17
Every day,
Heidi Griffith 26:18
April is gone. It's May. I forgot to say Happy May to you,
Roland Daniels 26:22
yes,
Heidi Griffith 26:22
happy, May, Happy
Roland Daniels 26:23
May.
Heidi Griffith 26:24
April was Fair Housing Month.
Roland Daniels 26:26
What about this month?
Heidi Griffith 26:27
This month, in my opinion, is still fair housing. Every day is Fair Housing
Roland Daniels 26:33
Month.
Heidi Griffith 26:33
Every day is fair housing day. We all deserve an equal shot
Roland Daniels 26:37
we do
Heidi Griffith 26:38
accessibility and fairness in housing, I believe that housing is a human right.
Roland Daniels 26:44
It is
Heidi Griffith 26:45
Silver State Fair Housing Council is the nonprofit right here in Nevada that provides education, advocacy and support to make sure people understand their rights when it comes to housing. It's not optional. It is the law Fair Housing Act passed in 1968 it is worth fighting for still today,
Roland Daniels 27:06
I agree.
Heidi Griffith 27:06
If you think you've experienced housing discrimination or would like to learn more about the work that Silver State Fair Housing Council does, please feel free to reach out and we'll get you connected. You can call or text us. We're at 702-540-0420, again, that number is 702-540-0420,
Roland Daniels 27:28
we'll be back next Sunday morning at 7:30am right here on KU nv 91.5, until then, believe in what's possible, even if you've been told that it's out of reach, and Remember, stay true to yourself and your mind.
Heidi Griffith 27:45
Bye.
Music 27:45
You. You.
Transcribed by https://otter.ai