Subscribe
Share
Share
Embed
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.
Roland Daniels 0:28
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 Griffith 0:51
Heidi, well, good morning. Roland, how are you?
Roland Daniels 0:54
I am doing
Heidi Griffith 0:55
awesome, as I always say, as always, good morning. I'm Heidi Griffith. I'm also a mortgage advisor and your Director of Client Services. My NMLS number is 2247754, so, as always, we have a really good show today, don't we? I think we do. I'm excited we have a familiar face in the studio with us. We do. I'm super excited. We're welcoming back Josie hatham, she's the home buyer program coordinator with the Nevada housing division. If you caught us a couple weeks ago, she was actually on and she's definitely the expert behind the state's home is possible programs. And today we're going to continue that conversation, aren't we? We are. Let's talk about some success stories. Let's do how these programs meet the dream of home ownership a reality. Let's do it. Yeah, and we actually Hi, Josie, hello. How are you today? I am wonderful. Thanks for joining us again. Thank you for having me. I appreciate you again. Like we said before we got started this morning, we're gonna put our name on the back of the chair. That's right. I need my name back here, please. We want you there. We want you there. So we have a class coming up, don't we? We sure do. We did a class in September, we did an online homebuyer education class, the path to homeownership, right? We did, and that class, it was amazing. We've had some really good online classes. Lots of people showed up, lots of great questions, and Roland, I have actually spoke. We've had four different assessment calls with we have and we're gonna be moving forward getting some more people into
Roland Daniels 2:20
homes. So that's why we decided to do it again.
Heidi Griffith 2:23
Yeah, yeah, we're gonna do this next one. It's going to be tomorrow, right? That's Monday, October 13, from 330 to 5pm It's online. So you know, even if you've just got a little bit of time, you can hop on. Josie is going to walk us through all of the programs. We talk about the mortgage process, we talk a little bit about the real estate process, and then you get your home buyer certificate, which actually makes you eligible for all of the Nevada housing programs, doesn't it
Josie Hatem 2:51
absolutely does. Yes, that would be issue, right? Two days after the class, right? Day after
Heidi Griffith 2:56
you're quick, yeah. So what will happen is, when you register, if you don't register with your legal name, I'll ask you for it. We'll get all of the information over to Josie, and I, I'm telling you, she is fast. You are so fast, and we appreciate that, and so knowledgeable too, absolutely.
Roland Daniels 3:12
Well, thank you. How do they sign up and register?
Heidi Griffith 3:16
So to sign up and register, you can either give us a call. We're at 702-210-2057, again, that number is 702-210-2057, or you can hop on to our Facebook page, mortgage matters radios. And there's actually a link to register. It'll it'll send you to Eventbrite. You can register there, and we'd love to see you. You can register up to the last minute. So you know, if you're thinking about it this morning, you want to hop on learn about some amazing down payment programs. This is a great way to do it. I agree, yeah, from the comfort of your home, yeah, you could even do it at the park if you wanted to.
Josie Hatem 3:54
Yes, please join us. That's it's a great class. A lot of great information. You get to find a little bit more details on the program, and then you get to find out what the process is. And I think that's a lot of how a lot of these people actually get moving, because they get comfortable, they get the answers they want. And it's always a great class. So it's exciting, and it's nice to see that you put these together, you know, because you're out there, you know, as I'm a state employee, but then, you know, you you're out there wanting to help people, and that's why I get invited, because they're helping. You know that these programs exist, and not everybody does.
Roland Daniels 4:26
But without you, there's no us when it comes to these programs.
Heidi Griffith 4:30
And they, I mean, you know, and I can't say it enough. We talk about it all the time. We do the state of Nevada's homeless possible programs. They really, first of all, there's, there's pretty much a program that fits most people's needs. And just the setup of the programs, the ease of using the programs, it really makes it a win win for so many people who really did think that, you know, maybe I'm never going to be a homeowner, and that's what we want. To bring you in today was to kind of talk about how these programs work in real life, versus this is what's available, and this is what you do, and you show up at class, and being in class, first of all, it's a requirement to utilize these programs. So you've got to get your certificate. They're good for a year, right, correct? They're good for one year from the time you get them. But there's a real a real person side to this, because I'm sure you've spoke to so many people that said I didn't even know not only is this available, but that I could ever become a homeowner. Can you? I know that I always ask you to do this, but I think it's so cool that you work with the state of Nevada housing division and you actually use this program. Didn't you? I
Josie Hatem 5:39
did. I did, and had it not been for the program, I would have not gone into a home. And basically, because I'm just like everybody else, life happens, you know. And as much as you're disciplined, you're paying your rent monthly, you work, you have a job, but life's all around you, and trying to put funds together becomes a challenge, you know. And so with that, with that in the the time going by and you end up either with other things, you know, with credit issues, which was my biggest, you know, my biggest problem too, is trying to get my credit together. I wanted to get my credit I wanted to make I wanted to look pretty when I went up to the loan officer. And I did that for 10 years, you know, 10 years of time that I could have just gone right up to the loan officer, or, you know, to get everything fixed, to find out where I stood, because I never really knew where I stood, and once I did find out, was within six months, I was in my home, and I wish I knew that before. But of course, also, you know, knowing that the program was around with the funds, because these programs are made for those of us who are able to make our monthly payment like we're paying rent, but putting the funds together. This is where, you know, this is where that comes in. So absolutely, it is I it's I love that I do this and I tell my story to everyone, because I, I did not go through that for nothing, you know. Think it's sometimes what you go through is then you want to make it so no one else you know,
Heidi Griffith 7:00
right, right, right? And I think that that's a great point, because we talked to so many people, and I think we as humans, right? Sometimes we're, we are our own worst enemies in a lot of ways, because we create scenarios in our head, and we just kind of go with what that is and not take that next step. And, you know, there's, there's three reasons why people traditionally don't buy homes, credit, right? And we've all had, you know, there's bumps in the road. We understand that you're not alone in that. If you're listening and you're like, oh, I need to fix my you're not alone. And we have free resources. We do. You know, we actually you joined us at our last path to home ownership workshop with CPLC. Yes, that was amazing, and we appreciate having you there. And you explain the homeless possible programs there as well. And when we meet with those people and talk during that class, there's so many people who a leave with so much additional knowledge. Like I didn't think I could do this, but right on site, you know, these are HUD certified counselors. They are credit counselors, and they will schedule an appointment and walk through your credit report and give you the path and help you right, you know, to improve your credit. And we see it time and time again. Well, actually, I really want to talk about a story that we actually worked with the client, that took
Roland Daniels 8:25
place, right? And before we move to that, you don't have to be perfect to buy a home. You don't need perfect credit. You don't need 20% down to buy a home. Those are all
Heidi Griffith 8:38
myths, right? We do our best to bust them, don't we?
Roland Daniels 8:41
There is money available. There are programs available there. Josie, how long has the funds been available when?
Josie Hatem 8:49
Well, our program has been around since 2014, non stop, and never run out of funds. No, we have different programs. Come and go, but we've all we've been around. We have not we've now had a stop. And you know now we're looking to get more funds during different different programs here coming hopefully by the end of at the latest here, we're hoping by the end of November. So it's, it's there, we're just getting all everything ironed out on that one. So it's there's there's going to be more, and if there isn't, then you have great loan officers that you're working with. And that's why we use actual loan officers. If this doesn't work for you, then they're going to have something for you. And this is this. We're aware of the fact that our program may not be for everyone, but we hope that, you know, we hope that something that's something out there for you, and they have access to many other programs throughout the state. We do that. Yeah, so you're in good hands.
Heidi Griffith 9:37
We appreciate all that. You know we do. We work with about 20 different programs we do now. Nevada housing has several of those programs. In Nevada housing is the program that we utilize both. So credit. First challenge, right? The biggest challenge, though, 68% of people say that they don't purchase a home because of the down payment, because of the money, right? That's correct. And Josie, actually, I. Stole this for me, Josie, I'm going to tell you that, right? I love the analogy, but we we have lots of folks who can afford the mortgage payment. It's the saving for the down payment that tends to be the struggle, yes, and there are tools, right? Nevada, housing home is possible that can alleviate that stress. And so let's talk about some clients that we've worked with in the past that have utilized Nevada housing and their different programs. And I'll tell you every single family that we've talked about. Roland and I sat down, we kind of made a list of the people that were like, Okay, let's show a good range of folks that we've worked with, and this will all be within the past couple of years that we've worked with these, these families and individuals and show what Nevada housing can do to change lives, right? So
Roland Daniels 10:49
first up, we had a grandmother who was in her late 70s. I love this story. She's never owned a home before. She was helped taking care of her grandkids on a fixed income, receiving a pension, social security, and she had very specific home needs. She did. She needed a single story, no Hoa, no HOA. And then, with the right programs and the guidance, she was finally able to achieve home ownership. So it's never too late to buy a home.
Heidi Griffith 11:22
No. So she was in her late 70s. I believe she was 79 when she closed. She used the first time homebuyers.
Roland Daniels 11:28
No, we actually use one of the your other programs, home first funds, which was the
Heidi Griffith 11:34
15,000 so that was a previous program. So she was able to get into her house. I mean, really, you think about that for a moment, she really never thought that she would purchase. She heard Roland on the radio. She called just to find out what it was all about. And the house that she actually ended up purchasing was in the middle of probate. So it was one of those things that most people would just shake their head and say, I can't do this. Took about six months to get through probate. We actually went to a few probate hearings. We did the court with her, and she's in her new home. And that one, that one's amazing. She's just such a lovely woman. And
Roland Daniels 12:14
I think it was just meant to be, it was to go through all of that and still be able to acquire the home that she really wanted.
Heidi Griffith 12:23
Yep, yep, and then so Nevada housing has a program specifically designed for teachers, right, for public school teachers in Nevada, yes. And that's for K through 12, yes. And what do they get with
Josie Hatem 12:36
that program? So with that, it's a 7500 in down payment assistance, which on that that is forgivable after a five year period, and which and it's prorated, which means that every month during that five year period, $125 is getting forgiven each month they stay in the home. And that was actually created for them because we want to make it easy for them, that we appreciate them. They're everything they do for, you know, for our children and for the school. So this is why we've created something that they would feel, that they don't feel, you know, they don't feel tied down, but then that they're able also to get a benefit from what they do as teachers for our school
Heidi Griffith 13:11
districts, that that program really is an amazing program. So I met this client. She is in her early 20s. She was still going. She was actually here at UNLV. She was working two jobs. One of the jobs was outside of the school district, but she was working as a student teacher with the school district. And she came to me through a real estate professional, and we were looking at different avenues. Now she'd been saving money she was working the two jobs so that she could both pay for schooling, right? And so she was looking towards home ownership. And when we sat down and we talked about all of the different programs, the teacher program worked best for her scenario. She she was a first year teacher in the school district, and was able to utilize those funds, plus some seller credits and get into her first home in her early 20s. So yeah, she was an amazing story. She's an amazing human. I keep telling her, I want to get her on the show, so hopefully she'll be in soon to sit down and talk with us. That would be great. Who's your favorite?
Roland Daniels 14:14
Roland? Let's see one of my favorites is one. He was a ride share driver. He still is currently Yes, Uber Lyft. Uber Lyft. Does it all. He came to me, probably maybe now close to four years ago, right? And when he came to me at that time, his credit scores were low. The credit scores were in the fives, so there was a lot of work that we needed to do to bring those FICO scores up where he can be able to purchase
Heidi Griffith 14:46
a home. So and did you? Did you talk about down payment assistance?
Roland Daniels 14:49
Originally, we talked about down payment assistance. We talked about credit we went over a plan, got him involved with CPLC, with credit counseling. Mean, and it took us almost three years to get him ready, in a position to make a decision to take advantage of the opportunity.
Heidi Griffith 15:08
So So Josie with the with all of the Nevada housing division programs, what's the minimum credit score 640 and maybe you're not at 640 today, but we've seen folks in the five hundreds, right? Really, we have, right? So you can actually
Josie Hatem 15:23
see it every day, you sure can. I did, yep, and you did it in like, six months, right? Yes, absolutely, I was right there just with everyone else. You know, once again, life happens, and it's hard. It's hard when you, when you're sitting there looking at that credit score, and you're gonna go talk to a loan officer, and you don't want to, you should just do it, yeah? Because if I wouldn't have, I still would have been that same boat.
Heidi Griffith 15:43
When you did, you set them up with the credit counselors,
Roland Daniels 15:45
right? Yep, they put them on the plan. Like I said, it has some derogatory information on the credit that we had to take care of. It just took a little bit longer than necessary.
Heidi Griffith 15:55
And so, you know, sometimes it sometimes you'd be surprised. You can take 30 days. Yeah. I mean, I mean, I don't know how many times we've sat down with people who are like, Oh, it's probably like, you Josie, you know, cringing their eyes. And after we sat down, we go, oh, wait, wait, hold on, let's pay down this. And I think one of the problems that we see as lenders when we meet with people is, and I don't know, maybe you did this, but you know, people think I don't want to show this to anybody. I'm going to take care of it, and they're either paying down the wrong cards, they're making
Roland Daniels 16:28
off some medical, old medical bills, some collections. It could be even charge offs,
Heidi Griffith 16:33
because as of right now, now, I can't tell you that this isn't going to change, but as of right now, we actually don't count medical collections against you. So that's not something that you would have to pay off at this time or charge off, and the charge offs as well. That is correct. So he went on, bought a house, right? He did? You talk to him a lot?
Roland Daniels 16:52
I probably speak to him probably once every other month. He's a good guy. He's a great guy. Yeah. And what's he what's his plans now? His plans now is looking to buy an additional property as an investment.
Heidi Griffith 17:04
Oh, and so he used, which program did he use? Roland, he
Roland Daniels 17:08
used the first time home buyers program. So
Heidi Griffith 17:11
he used 4% 4% he did the 4% down. So, Josie, let's talk about this really quickly. So we talked about with the teacher program. That's a five year forgivable. That means that at the end of five years after you've lived in your home for five years, you don't ever have to pay it back, right? Right? It gets forgiven, gets forgiven, and it's prorated every month by how much, $125 so the other programs that we have available, so the first time home buyer and the hip home, it's possible those aren't forgivable, right? That's correct. They're not forgivable, but they but you don't have to make a payment on them.
Josie Hatem 17:44
That's correct. No interest, no payments. That money that's given to you, the money you receive, it helps you get in the home, and then it just sits there quietly, right? You know? So there's you're not making payments on it. You're just making your mortgage payment, and that would just be due back if you sell or refinance. And of course, they're going to do that when it makes sense. You're not going to just go off and do that, but that's there you got in your home. You didn't have to wait to save that money, and you didn't have to borrow it from a family member.
Heidi Griffith 18:08
Tell that I like when you tell this storyteller,
Josie Hatem 18:11
so you can with home as possible. We become your friend when you can get the funds from us, or you get the funds from a family or friend, if you've got one, if you got one, yes. And what happens when you get those, when you get money from a family or a friend, and then you walk into that party with that new pair of shoes, right on a cruise, and you haven't paid them back, it becomes awkward. So that's the best thing, because your family or friends, they're not going to charge you interest. They're not going to charge you. You know, you're not going to they're you're not going to there. You're not going to have to make payments until you're ready, right? And with our program, it's basically once you refinance or sell. And of course, that's in the market, if you have little just be pulled out of the equity, it's not going to come out of your pocket, right? So that is the best thing. So you know, you you choose and go to every party more comfortable. You can take that cruise, and it's you
Heidi Griffith 18:59
can still enjoy life and Nevada housing is not going to hunt you down. And you know what I love about that we roll and I have this conversation a lot, but wealthy people, right? Financially, wealthy folks savvy. When they take a look at loans, right? When they take a look at their money, they're looking for cheap money, right? Low interest rates.
Roland Daniels 19:21
Yes. What will cash flow making sure that those funds aren't tied up? Maybe they want to put it into an another investment vehicle that can make more money,
Heidi Griffith 19:32
right? But even more than that, let's, let's go back to 2021 2022 when interest rates were at ridiculously low. You know, fake rates is what I like to say. But at that time, a lot of people who didn't have to take out a loan to purchase real estate were taking out loans because money was almost free, right? Because then they could take their own funds and. And kind of put them to the side and utilize them. And so in a lot of instances, this is the type of thing. So, you know, we have a lot of people that will call and say, you know, oh, it's after we explain the program. Oh, I have to repay Well, absolutely. But what I love about what Nevada housing does is you guys are kind of recirculating that money, aren't you?
Josie Hatem 20:21
Yes, so you'll use it now later on. Your family, you know, your maybe your your children who are ready to purchase they'll use it later. And and then the thing is that we have so many people in so many programs. It's created to just get you in the home now. And even if you have funds, and you say, I have this money, I don't want to use it. Use, you know, use this money and use the home as possible money. Save your funds. As a matter of fact, about about 70% of the people who use the home as possible program already had their own funds, and they decided to keep those to aside for a rainy day, and then they just go, they go inside using the home as possible program.
Heidi Griffith 20:59
I'm glad you mentioned that, because let's talk about and I think you know who I'm talking about. So we were, you received a call I did again, home from the radio, and it was the gal who had some money saved up, but she was kind of looking at her options.
Roland Daniels 21:12
She was she already had enough for her down
Heidi Griffith 21:16
payment and clothes. And her clothes, what she has in the bank about 50 some 1000
Roland Daniels 21:20
right around 50. So even though she had the money for the down payment closing costs, she could have bought the home on her own without utilizing down payment assistance with the state of Nevada. But when we're sitting down for an assessment, we're looking at all of your options, and this option or opportunity allowed her to keep the $50,000 in her account, let it earn interest in her investments, and then we just utilized the funds from the Havana housing divisions
Heidi Griffith 21:52
program. And did she use the first time home buyer on that one too? Didn't she we used
Roland Daniels 21:56
the first time? No, it was the home first. Oh, she did
Heidi Griffith 21:58
use the high percent. Okay, so yeah, she was able to then, and she knew at that point that she was going to keep that money aside, keep it in an interest bearing account, keep it growing so that when she was ready to refinance, she had already earned money on the money, of, you know, her own money that she had sitting there. So it was kind of a win win. Same type of situation as what you were talking about. It does make sense. It's a zero interest loan. Is virtually what it is.
Roland Daniels 22:24
So when interest rates do drop, now, she has the funds available to pay off Nevada housing division and take advantage of those lower interest rates whenever that occurs,
Heidi Griffith 22:34
right, right? And, you know, I want to mention this because we talk, you know, we've been talking about rates quite a lot. You know, a lot of people, when they think about mortgages, they're very rate sensitive, because it's kind of something that we've learned to ask when it comes to,
Roland Daniels 22:48
well, that's the only question that a borrower has been taught.
Heidi Griffith 22:53
Yeah, unfortunately, and I will tell you firsthand, rates aren't bad. They aren't. They're not.
Roland Daniels 22:58
For the last 30 years, we're average, we're not two and a half or three, but most likely, you'll never see those rates again in your lifetime.
Heidi Griffith 23:06
I tell you what I'm going to be prepared this time when I see them, I'm going to finally take advantage.
Heidi Griffith 23:14
So if you're listening today, and if you're wondering if one of these programs could actually work for you or maybe somebody you know, please feel free to reach out. You can call or text us. We're at 702-210-2057, again, we've got tomorrow's home is possible online class, and that's a great way to find out more. You know, figure out how to get started and receive your home buyer certificate, which, again, is required for all of the programs that the Nevada housing division offers.
Roland Daniels 23:39
And you'll be able to see all three of our faces and know exactly who we are.
Heidi Griffith 23:45
That's right. Yes, Josie does such a good job at the beginning. Excellent job talking about all of the programs. So who else you got? Anybody else that kind of stands out to
Roland Daniels 23:55
you? What about the family of six? Oh, from Cali, from Northern California,
Heidi Griffith 24:02
yeah, they're cute. They're so cute. So there was this family that was that moved to Vegas from Northern California, right outside of San Francisco, right and he again, hurt you popular. He heard you on the radio and heard about it was an online home is possible? Class decided to reach out with Miss Josie. They signed up for it. They did. They attended the class. They contacted us less than a week after and we started talking about the process. We started the process with them right away.
Roland Daniels 24:37
It started with actually just answering a few questions and see if they can actually qualify, because they had just moved here from
Heidi Griffith 24:45
Nourse and switch jobs, right? And they were just starting work here, which is fine, because
Roland Daniels 24:50
one of the myths out there, they think that you have to be on the same job for two years, which you don't, you don't. So another myth, right?
Heidi Griffith 24:57
So if you're not on your. On your specific job, the job that you're in right now for two years, right? We're just going to ask for W twos from the previous employer.
Roland Daniels 25:07
Yes, we just need two years of history. They just want to make sure that you have stable income.
Heidi Griffith 25:13
Doesn't have to be at the same job. It does not, especially if you're moving to another job for a pay increase or just, you know, a better environment,
Roland Daniels 25:20
right? And we have some people who've graduated college or even high school, we can use transcripts to also account for that employment,
Heidi Griffith 25:28
yep. And that's a great point, because we actually have folks. We've had clients who were just getting out of school and where, and we use there, we use both their high school for one instance, in college in several instances we have, yeah, wow, it's fun. We love to get people into
Josie Hatem 25:44
houses. Oh, that's amazing. And I'm sure they love it, yeah. So this
Heidi Griffith 25:47
family, they actually, they came in from Northern California, when we talked to him, he's hysterical, right? He is. She's a great guy. She's definitely the analytic of the group. So she was taking a lot of notes and paying very close attention, which is important, and a
Roland Daniels 26:03
lot of questions, and that's what we're here for, is to answer all of your questions, make you feel more comfortable, provide clarity so you can make a decision. Well,
Heidi Griffith 26:12
the best option for you and your family, yes, even operation is different, yeah, even if it's not purchasing a home, so that you know where you stand and she you know, they were of the mindset. You know, a lot of people that live in California, you know people that live in California, right? Joseph, yes, I mean, a lot of people that live in California just because of the cost of living, in cost of real estate, you know, they've kind of just come to terms with the fact that they may never be homeowners. And this is where this family was
Roland Daniels 26:38
right, because I had an opportunity to move here, because I think she worked from home,
Heidi Griffith 26:44
she did and he worked for a government entity, yes, um, they had the opportunity to come here. They they're amazing. They are people. I'm so happy for them, because we're able to get, you know, he got a great job and just good information. Because so many people, when we start talking about these programs, think that there's a catch and that they're potentially too good to be true, because a lot of you know, there's a lot of
Roland Daniels 27:08
scammy stuff out there and bad information, just
Heidi Griffith 27:11
simply, but these programs, they really do help people. That's what I love about them, right?
Josie Hatem 27:15
Absolutely, they do many people, and I love your stories that you're sharing, because these are, these are real people. I'm a real person. And I'm like, right there, I'm a story, you know, and everybody, hopefully, who comes in and is listening out, you're another story. I
Heidi Griffith 27:28
love that. I love that. So we've got a class coming up right tomorrow. Tomorrow, we have fun. We are going to get together again at 330 that's the class. Is about an hour. We take another 30 minutes at the end of the class to answer any questions. I'm excited to sit next to you and do this. Josie,
Josie Hatem 27:46
that's right. It's gonna be fun. Hopefully y'all can be there with us and just find out more about these programs. You're just sitting here listening today. You're already on the right direction. You're this is you're motivated. Just keep going. That's all I can
Heidi Griffith 27:58
say. That's wonderful. Thank you again for joining us. Thank you again. Cheers, always open for you.
Josie Hatem 28:03
Thank you for having me. So
Heidi Griffith 28:05
before we get out of here today, we always want to remind our listeners that home ownership doesn't just start with opportunity and it continues on with fairness. The Silver State Fair Housing Council works every day to make sure that all Nevadans have equal access to housing free from discrimination. They're looking for volunteers, as always, for their fair housing test or program, people just like you and me, who can help make a difference and ensure our communities are truly fair and inclusive. You can learn more or get involved by calling them directly. This is the Silver State Fair Housing Council. Their number is 888-585-8634, fair housing is an optional it's the law, and it's definitely worth fighting for. I really feel like today's show was a reminder that home ownership isn't one size fits all, from teachers and seniors to families and first time home buyers, every story shows that the right resources can truly change lives, and that's what makes these programs so invaluable, right? They're not just about loans, they're about opportunity, stability and equity.
Roland Daniels 29:07
If you have any thoughts or questions about anything we've talked about today, or if you would like to register for tomorrow's class, you can give us a call or text us that number is 702-210-2057, we'll be back next Sunday morning at 7:30am right here on K und 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.
Unknown Speaker 29:38
You.
Transcribed by https://otter.ai