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Mortgage Matters is your go-to show for all things home financing. Join Roland and Heidi as they break down the ins and outs of the mortgage world. From first-time homebuyers to seasoned investors, we’re here to guide you with expert insights, real talk, and the latest market trends. Whether you're looking to buy smart or refinance right, Mortgage Matters is your trusted source for smarter decisions and financial freedom. Tune in and take control of your home financing journey.
Wesley Knight 0:00
This is a KU NB studios original program. The 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 to
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, well, good morning. Roland, Good morning. Happy Sunday. Happy Sunday. How are you I am doing awesome.
Heidi Griffith 1:11
As I always say, Yes, you are. I'm Heidi Griffith, I am also a mortgage advisor, and I'm your Director of Client Services. My NMLS number is 2247754,
Roland Daniels 1:23
we've got a great show lined up today. We do. We are talking about the path to home ownership, the Nevada housing divisions, home is possible, programs and the protections that make sure everyone has fair access to housing.
Heidi Griffith 1:39
We are. We are. It's gonna be a great show. I'm super excited. So we've got a class coming up, don't we? We do upcoming this Saturday, which is October the fourth, and it is the path to homeownership workshop with CPLC. That's the workshop. That's it's an all day event. It is from 830 to 3pm yep, yep. It's HUD certified, isn't it? It is, and that's a big deal to me. The fact that there are people that are there looking out for your best interest is always a thing, and it's way more than just a first time homebuyer class, isn't
Roland Daniels 2:09
it? I agree, and completing this workshop earns you a HUD counseling certification.
Heidi Griffith 2:15
Yeah, you could you get a homebuyer certificate. And there's we're going to have some sneaky news that we're gonna slide in in just a few minutes. But that certificate is actually good for all of the down payment assistance programs that we
Roland Daniels 2:27
offer, including the Nevada housing division programs as well. Bam, yeah. So if you want to register, you can give us a call at 702 to 102057 once again, that's 702-210-2057 702-210-2057, or you can find it on our Facebook page at mortgage matters radio on Facebook,
Heidi Griffith 2:49
yep, yep. You can just go online, and there's a link to register there as well. So you know that that kind of brings us to our guest today, because the education you receive in this workshop right the path to homeownership, it's going to actually directly connect with our conversation today. It does. So I am super excited to have this guest in our studio. This is good news. We're going to welcome Josie hatam. She's the home buyer program coordinator with the Nevada housing division, and she really does play a key role in helping Nevadans access programs that make homeownership possible, right? Josie, thank you so much for being here today.
Josie Hatem 3:24
Welcome. Welcome to the show. Thank you for having me here. I think it's this is a big deal for me to be here with you all, because I see how many classes you put together and how much you're trying to help the community and even inviting me over, I think that says a lot about you as a team, because you're out there looking out for people making bringing awareness to the programs that are available throughout the state.
Heidi Griffith 3:46
Thank you. Yeah. I mean, we appreciate it. Same goes to you. So we just did a home buyer workshop together this week, didn't we? We sure did. We had our home as possible workshop that was last Monday, that was online. We had a great group of people that attend, lots of amazing questions. We've had several calls since the class. And that class, it really does just break down the steps, what each program looks like, and then you meet with the lender and a realtor as well. That kind of go over what the mortgage process looks like, what the housing market looks like. It's an hour and a half class. We do them both online, and we do them in person. This one was online. We actually have one coming up in October. I think we're getting ready to kind of get that date together, right? Did we say the 13th? We did, I think Yeah. So it's going to be Monday, October 13, and we're going to do that one online as well. So it makes it super convenient. You can hop on from your phone, you can hop on from your laptop, whatever is the best for you. And you know, we spend about an hour talking about Josie, goes over all of the programs Nevada housing division offers, and we'll talk about those today. But then we take, you know, about 30 minutes and we go over any questions. Anybody has questions and answers. It makes it super easy to find out how you go about quality. Fighting for these programs. So let's get into those. What do you think? Let's do, it sounds good. So let's just start with you. Let's talk with you personally. We like, you know, like you and I talked about before this show today, we talk about these programs nearly every week. Roland and I do close to 20 different down payment programs, because we know that. You know, after people are polled why they don't own a home, about 68% of people say it's the down payment that's holding them back. You say it in class all the time, and I actually use it now. I took this from you, so I appreciate you and thank you for this. But you know, one of the things is, especially here in the valley, we've got a lot of, you know, we've got a lot of strip workers, casino workers, hotel educators, and they can qualify for a monthly payment. It's a saving for the down payment that tends to be a hurdle. Because even though you don't really need 20% down, that's a myth, right? Even though FHA is three and a half percent down minimum conventional we can go as low as 3% down. It's still not always easy to save up 15,000 $20,000 for your down payment. And we understand that. And you say it all the time, I think it really resonates, and that's why Roland and I made it our mission to find the best programs, put them together and then help folks, because maybe one doesn't work for someone. Maybe you know another one works better and give people options. But what I will say with all of those programs that we offer is the program that we utilize and that we turn to most is all of the Nevada housing programs. So I know that you had some experience with these programs. Yes, absolutely. Tell me your story.
Josie Hatem 6:39
Well, my story is, that's how I got into my home, yes, yes. And it was Everything happened so fast, because I was actually leasing the place I lived in. Oh, that's wonderful. And I was very comfortable there with that, even if, even with the lease. And then at that point, I found out that, you know, the owner was selling. And I just thought, nope, this is mine.
Heidi Griffith 7:00
I love that. So yeah, because otherwise it was, got to go, yes,
Josie Hatem 7:03
absolutely, and thank goodness for the home is possible program. Life happens, you know, I It's hard to put a funds together, and, you know, I just, that was one of those people. And I don't know what I would have done, you know, without that, I don't think I would have been able to get into the home if it wasn't for the home is possible program, and that's why we do this, and that's
Heidi Griffith 7:20
why we do this. That's why we do this. That's wonderful. So let's start with the programs. Let's just, let's kind of work our way down perfect. And then I know you have some exciting news that you're going to share with us. Let's, let's start with hip for first time homebuyers. So hip is home, is possible, right? That's the state of Nevada's programs, and they have a first time homebuyer program, right?
Josie Hatem 7:39
Yes. So the first time home buyer program is, of course, just as it says, for those who are first time buyers. However, in order to be considered a first time buyer, as long as you have not owned a home in the past three years, you are considered a first time buyer. So some of us who came from out, as you know, out of state or just haven't owned a home in the last three years, you qualify for this program. And of course, this is one that offers either two to 4% of down payment assistance. So that's 2% of the loan amount in assistance to get into a home, and or 4% in assistance to get into a home.
Heidi Griffith 8:12
We use this one a lot, so this one, it does have income limits, right? Yes. And those are based on county. They're based on county. So if you lived in Clark County, there's a number. If you lived in Nye, there would be another number. But this is a program if you haven't owned within the last three years. Yes, you know, we utilize both the two and the 4% so for example, if the minimum down payment we're using an FHA loan is three and a half percent, and you opted to use that 4% we apply three and a half percent of that down payment assistance towards your down payment, and then we can utilize that other half a percent towards your closing cost. And the great thing that we're seeing in this market with the realtors that we're working with is sellers are giving seller credits. So in many instances, sellers are picking up the remainder of closing costs.
Josie Hatem 8:58
Now you have programs that are helping you, and then you have the sellers that are helping you, and, of course, the lenders and real estate professionals that are out looking out for you. Yep, people
Heidi Griffith 9:05
are getting in with as little as their earnest money deposit in some instances. And what I'm seeing now, especially with everything that it takes to get into a rental property, first month, last month, you know, security deposit. There's amenity fees, and so many of these new complexes, it costs more in many instances to go get a rental.
Josie Hatem 9:24
Yes, absolutely, it sure does, and we see that a lot. So folks are now looking to get into a home, especially right now that you know, there's just sellers that are helping to get into it. And then we have programs. And so there's something to help out. And I just want to add something here, really quick. There are other programs out there, and this is why we work with actual loan officers, because we know our programs not for everyone, and then you'll always find something that works for you, and if it's not our program, the lender is probably going to have somebody there something that works for you. So that's kind of my little disclaimer, just so people wait,
Heidi Griffith 9:57
yeah, absolutely we appreciate that, and that's why, when we. The class that we're doing this upcoming Saturday with CPLC, your program is one of the programs that we highlight. And again, that certificate that you receive in that class actually makes you eligible for all of the Nevada housing divisions down payment programs.
Roland Daniels 10:16
It is so Josie on last Monday, that was a great question that came up from one of our guests, and they asked the question, what if we own vacant land? Are we still eligible to use the first time home buyers program?
Josie Hatem 10:31
Absolutely, because there is not a home on there. There's no so you cannot live on it. So if you have land, whether it be anywhere in the US and even in Nevada, it's it's not considered a property, so you're able to use the home as possible program,
Heidi Griffith 10:46
right? And just so that there's no confusion, because somebody in the class was a little confused about that, doesn't mean you can use the the assistance to build a house on their property, correct? You can own that land and then purchase a an existing property or a new home construction elsewhere, yes, aside from that, but that doesn't eliminate you from being a first time home buyer if you already own land. Now if and correct me, if I'm wrong, but that that first time home buyer, that three years since you've owned, it also means that if you were on title or a deed, it has to be three years, right? Yes, right. So if maybe you co sign for someone, or you know, your cousin puts you on their title, nice cousin.
Roland Daniels 11:24
Or maybe you bought with an ex spouse and now you're divorced, right?
Josie Hatem 11:27
Correct? Well, yes, so, and you know, the best thing about that is it's just, it's a good thing to always ask, because, for example, if they co signed and they're not a co borrower, in some instances, depending on the loan type, because that varies. CO signers are allowed to own their own home and so, but if you're a co signer, that means that it's okay if you help somebody, and now if you're going to get your own loan, it should be okay. So, but that that's a great thing, always, always talk to loan officer, and you know, it just, it just, it just kind of varies on the loan type, just case by case, case by case, yes, but for the better part, yes. So if you, if you owned a home in the past, and or if you currently on a title, that all has to be worked out, because you cannot be, you know that could, that would work,
Heidi Griffith 12:14
right? But if you're, if you're not a first time home buyer, if, let's say, you recently sold your home, or you owned a home last year, or you own a home in, I don't know, Minnesota, there are programs that are available for that absolutely right. So tell us about home as possible. Tell us about
Josie Hatem 12:32
hip so the hip DBA program, for that program, you don't have to be a first time buyer and for that one. So if you currently own a home in the state of Nevada. What that means is, if you'd have to sell on that home and close on it, just as you're closing on this loan. But one of the best things if you own a home outside of the state Nevada, that's absolutely fine. You can own one home outside of the state Nevada and still use this hip DPA program, this second program. So that gives you that flexibility. And the reason we created that was because there's so many people coming from out of state, and they're they're trying out, you know, the state of Nevada, and suddenly they find out they like it. They left a home behind, and they want to start a life here. And that's absolutely fine, as long as you're working here and you're living here, and this is going to be your primary residence, you are able to use that hip DPA program, where you don't have to be a first time buyer for it.
Heidi Griffith 13:22
So if I lived in California, I decided I wanted to move to Vegas, I could rent my house out in California, as long as that's the only other property I have. Yes, come here and utilize the home as
Josie Hatem 13:31
possible. Yes, as long as they can. You know, of course, you're going to have to verify that you know this is your home, that you know both you and your spouse are living in the home, and this is going to be your primary residence, absolutely.
Roland Daniels 13:40
And what about if I wanted to buy a duplex or maybe a triplex? Can I use or use those programs like for the first time home buyer or the hip DPA? Or is there a difference?
Josie Hatem 13:53
Yes, there is a difference. So the for duplex or triplex, it would only be the hip DPA program that you're able to use, unfortunately, not the first time buyer program. It does not allow for that. But the great thing is, you do have that option with the hip DPA program as well as our teachers program, that also allows for for a duplex or four Plex as well.
Heidi Griffith 14:13
And if you, if you're listening today, and you don't kind of really grasp what that could possibly mean, I mean that that's a great way to immediately start building wealth through real estate. Because if you can find a multi unit property, a multi family live in one of the units and rent out the others, now it becomes an income producing property while utilizing the funds from Nevada housing, it's a win win. Absolutely, it's a win win. And what about income limits on that program.
Josie Hatem 14:42
So for the hip DPA program, that one your income with you and your spouse combined could not exceed 165,000
Heidi Griffith 14:49
and when she says, cannot exceed, it sounds like, Oh, no. I can't think about this for a second. A lot of people, you know, we get calls all the time on program, we do, and people make these assumptions that they're for low income. Or that, you know, they're in only in specific areas, and you can only buy in, you know, quote, unquote, the bad area of town, or all of these kind of not true. I mean, if you make $165,000 a year and you consider yourself low income, you come on now, that's really a generous income limit, right to be able to utilize these programs. I love that and and all of these programs are available where, in Nevada,
Josie Hatem 15:25
throughout the entire state, you can buy a home anywhere. I mean, it just did. There's not just anywhere, any home that falls within, you know, whatever you're able to afford, and whatever the agency guidelines are for that county, you're able to purchase a home. So no restrictions, no restrictions.
Heidi Griffith 15:40
So pretty much anywhere you're looking in the state of Nevada, you can utilize these programs. So I kept the teacher one for a little bit because I actually have a lot of friends who are teachers, and we talk about this a lot. Tell me about the Nevada housing divisions teacher program.
Josie Hatem 15:58
So for the teachers program, that one's that one actually offers 7500 and down payment assistance, and that is forgivable at a pro rated rate after five years. So what, what that means is pro rated, which means it's $125 every month that you're in the home is being forgiven. So by the time you reach five years, you know it's, it's it's gone. So if at four years you have, you know, the majority of that is has been forgiven. And for this Teachers program, you do not have to be a first time buyer, and which means, if you currently own a home and decide you want to move into another home, you can sell that home and take advantage of the program and and then, you know, still, and still use it and receive those funds.
Heidi Griffith 16:40
That's, I mean, just to think about just helping, because we understand how our
Josie Hatem 16:44
teachers work. Don't. Yes, we do. We this is, this is something to show our appreciation for the teachers. I mean, they're getting stretched then every year, because our population continues to grow, and the teachers just get, you know, you know, they get more and more students that they have to take care of. So this is a strictly for teachers in the public, public charter or public virtual or online schools. So yes, they are able to to use the program, and it's from kindergarten through 12th grade. Public teachers, public school
Roland Daniels 17:16
teachers, including, just like you said, the charter schools are eligible as well.
Josie Hatem 17:21
Yes, charter schools, public. Charter schools, anything that's public, okay, even the online school design, virtual, absolutely. Yes, as long as magnet schools, as long as it's in Nevada, yeah, as long as it's in the state of Nevada. So you do have to be a teacher here and and this is, this is something that we just to show our appreciation, and that's been around. We've helped over 1200 I'm sorry, yeah, 1200 teachers with this program who've taken advantage. And you know, sometimes these teachers are taking advantage of one of the other programs the first time, by our program, or the hip DPA, because that's the great thing. They can opt out for any of those, right?
Heidi Griffith 17:54
It makes more sense for them, and that's why Roland I are both advocates, just about having options, being presented the options and then making the best choice for you and your family, absolutely right? And what about, like any other thing? Do you have anything for? Let's just say veterans.
Josie Hatem 18:08
For veterans, the best thing about our veterans is that they can use any single program with their VA loans, and that's veterans and active military. So and not only that, you're able to use, whether that be the first time buyer, the teachers program, the hip DPA program, any one of those programs is act you have that. And on top of that, we're not charging any fee. The the fees that we, that we charge for closing there they have. Those are being waived for them. And that's by the way, thank you for your service and listening how We're truly grateful for you. And this is exactly why we're doing that,
Heidi Griffith 18:40
that's when we actually talk about this a lot, because we talk about the VA loan potentially being the best loan available, especially, you know, for active duty and veterans, and not enough veterans taking advantage of that, because of, in many instances, some bad information that's floating around. Just about VA loans
Roland Daniels 18:59
where they don't even know, less than 20% of the veterans actually use their VA loan home benefit.
Heidi Griffith 19:05
Yeah, yeah. And, and, coupled with Nevada housing, even if you're not, you know, even if you've got the money for your closing cost, or, let's say, the sellers willing to pay, you know, do that seller concession and pay your closing costs. Nevada housing actually offers a reduced interest rate for veterans as well, but it would be a great opportunity to use your VA veteran benefits zero down and then utilize one of the programs like Nevada housing offers, and then that's going to cover your closing cost, and then maybe sell or pay for some debt reduction or other things like that. So I mean, there's a lot of different ways that you can maneuver this get into a home for as little out of pocket as possible. And the great thing about a little out of pocket, even if you've got some money saved up, is that stuff happens with a home. You have maintenance, you know, I promise you live in your house for a year, something's gonna happen. Maybe it's, you know, you got to replace a washer in a sink. Maybe. It's you need, you know, to repair your HVAC, your air conditioning. But that's, that's the life of homeownership, and now you've got a little nest egg saved so you're able to make those repairs comfortably.
Josie Hatem 20:11
That's, that's a great point. So with our program, even if you have your own funds, as a matter of fact, about 75% of the people who use a home as possible program have their own funds put aside, and they want to take advantage of the homeless possible program, because now they have, you know, the, now they have that little nest egg that they can hold on to for any other thing it takes, it takes us a long time to put money together, and so we sometimes they just don't want to let go, take advantage of the program, and their funds are still sitting there. And, you know, so that is, that's a, that's one of the things that we've seen. So you're already,
Heidi Griffith 20:42
I didn't know that statistic. I like that. So 75% of people have have money. That's great, great to hear
Josie Hatem 20:48
they take advantage of it. And because, just like you say, it's like, you know, sometimes, if they just, they just want to have that there, you know, the funds there to as
Heidi Griffith 20:57
you should, as you should, really, yeah,
Roland Daniels 20:59
when it comes to funding. So we hear it all the time that from realtors, from borrowers, that there are no funds available. And we we try to bust those myths every chance we get we know that there are funds available. Money is available, down payment assistance programs are available. Can you address it? Because we know for your statistics that the average DPA, which is the down payment assistance amount that you're getting from the state of Nevada, is just above $15,000 correct? And it looks like you helped, or at least total loan volume so far in 2025 was just over. It looks like $111
Josie Hatem 21:39
million yes, so that those are the 31 over. We're close to 31,000 families here in the state of Nevada that been helped since 2014 and as far as the funds being gone, our program has been non stop since 20 since 2014 and so where those myths come through is because we've had programs come and go with but there, there's always been a program. So there's some that have ended, some that have changed, but there's always been programs since we haven't stopped. And there's some funds that we received from, you know, we received a different funding from different areas, but the programs are always been there. And, you know, it's always, always great. You know, just to check, you'll see the website, and you could see that the information is there. So it's, it's, it's been around,
Heidi Griffith 22:24
and we said, and we actually some people there all the time. There's, they have buyer information, yes, on the website. And an interesting thing, because people are, you know, people are just so rate sensitive, that's, we talk about it on air a lot. Everybody's focused, laser, focused on what's the rate, without really taking a deeper dive and thinking about what else is associated, because there's a lot of things that come into play when we start talking rates. And the thing about in one of the reasons why we love Nevada housing so much is the rate for all of the Nevada housing division programs. Is the rate, right? So they're they're different for every program, but they're posted daily, or, you know, Monday through Friday, 8am 8am to 5pm they're posted and there is no requirement outside of the program requirements. So what's the minimum FICO score for all of these programs? 646 40. So you have to have a 640 or better. But if you had a 640 or an 800 credit score, is there any difference in the interest rate, cost of the
Roland Daniels 23:27
loan, the cost
Josie Hatem 23:28
of the loan? Yes, not for the cost alone, absolutely, not right, right? So the
Heidi Griffith 23:33
cost alone, the interest rate, they all remain the same. It's an equal and fair playing ground. You and I have had the conversation. We have the conversation in class Roland, I have the conversation so many people stop because they feel like, Oh, well, I don't have a 640 so, you know, put on the brakes. That's not always the case, is it? Right? We help people all the time, even if they're not at a 640 work their way up to it. We've got free resources. We've got all of the tools available. And a lot of times, you know, once we sit down with folks and take a look at their credit, figure out, oh, wait, wait, we can get you there by paying this card down, or whatever that looks like.
Josie Hatem 24:08
Yes, that is exactly that. I'm glad you bring up credit, because that's actually I was one of those people that I it was, it took me a long time, and I'll tell you why, because I wanted to go to the lender with the Clean Slate my credit I've heard and, you know, and that was, it was almost impossible. I went to try and take care of it. And after 10 years, because life happens, and you're trying to pay things off, and and I was paying the wrong things, you know, towards money. And I think I made a couple of things worse. That was something that after 10 years, I finally went, with my eyes
Josie Hatem 24:42
closed, clutch pearl to the lender said, This is my credit. It's like,
Josie Hatem 24:48
you know, help and and it took, within six months, I wasn't closing on my home within six months. And so, you know, it was, it was just one of those things to where I was lucky enough, where, you know, landlord, pay. Held off. I said, Okay, get yourself ready and and that was, that was it. I was closing, and I kept my place, you know, so it was, it's something that, please don't let that hold you back. You talk to your family members, go to the lender and show them what you have. I mean, it's, it's, it's, I know it's uncomfortable. I know it's no fun, but I'm going to tell you. I'm telling you this, because I did not go through that for nothing that want you to make sure that you know, that you know, that you can go out there talk to them, because once you know where you stand, then make the decision. Then you get to see, then you get to decide. Because if you're trying to think, Well, I'm here, I'm not here, you know, if I'm ready, that's, that's one of the things that you don't want that to stop you go in, find out, know where
Heidi Griffith 25:43
you're well, it's taken the first step. It really is, you know, I think in most things in life that we are, you know, have fear around that's taken the first step, and the day that you take the first step, you start moving forward. So we are almost out of time. But I know that you've got some big news I would love to hear about. What's coming up with Nevada housing
Josie Hatem 26:02
division well, so I'm glad you brought that up. So no Nevada housing division. Currently, we're looking to try to we're working on a program that we're hoping to get out probably before Thanksgiving holiday. Yes. So with this program is we're going to look at putting this together to where it's a it's a lower rate. So if this was happening today, because our interest is at about 6.25 it would be at 5.25 and you would be getting like $10,000 or it's a tier, you can get maybe $15,000 at a bit of a higher interest rate, or even up to $20,000 so this is somewhat of it's a tiered program, and it's something that's coming out there. Now you do have to be in Nevada, residents, resident for six for at least six months, okay? And also, one of the things that you will not have to be a first time for this program, yes. And so we're, everything's still getting ironed out. This is something that is for, was considered like essential workers. But that's, that's a wide range. When we say that, we say anybody who's in the school district, pretty much in the schools, you know, anywhere from the teachers to the staff. And you think of anybody who is who works as EMTs, the nurses, you know, the nursing assistants, doctors. And to go all the way also to our first responders, or, you know, police officers, or, you know, firefighters. This program is exactly for them. You know, we were trying to put something out and bring it here for our appreciation. Because we
Heidi Griffith 27:35
hear it, we get asked a lot, especially, you know, both fire medical, you know, we have folks that call all the time, and, yeah, there's some programs that we can put
Josie Hatem 27:44
them in. And so to just please stay tuned. We're ironing everything out. We're trying, we're just trying to get it all straightened out here. And once we do, you got them right here? Yes, so, um, so there, though. Well, they'll get, they'll have all the news, they'll have all the details on this, and they'll be able to get you set up. So we were excited to be able to to have this, this come out here. So we're looking to, we're looking to see what happens. So I want you to say, stay tuned.
Heidi Griffith 28:13
Oh, I'm so excited. I can't believe we're already at the at the end time we are. So we're gonna have to wrap it up. But we would love to have you back in the studio. I can't thank you enough. Again, we were with Josie hat, him from the Nevada housing division, and she's really shared some information about home as possible. You will you join us
Josie Hatem 28:32
again? Absolutely. Please have me again. Of course, I'll be at your window.
Heidi Griffith 28:36
Well, we're going to be in class. Remember, we're actually going to have that event up. That will be October 13. That is a Monday, and I'll have all of that information out on the website here really quickly. If you have any thoughts or questions about anything we talked about today, or if you have any ideas about future topics, please feel free to reach out. Our number is 702-210-2057,
Josie Hatem 28:59
thank you. And I'm hoping I know we talked about the fourth. So I'm hoping to be able to, you know, come in on the fourth as well. If you know it's, I know we talked about that date.
Heidi Griffith 29:08
Yep, just is going to be with us at CPLC talking about the Nevada housing division programs too. So that's for the path to homeownership workshop this upcoming Saturday. I sure will,
Roland Daniels 29:17
and we'll be back next Sunday morning at 7:30am right here on K, U, n, b, 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. Bye.
Music 29:32
Hey. You.
Transcribed by https://otter.ai