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People don't call us because they need a mortgage. They call us because they need help making a housing decision.
Mortgage Matters is a Las Vegas, Nevada-based radio show and podcast hosted by mortgage advisors 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 explores the real-life decisions, opportunities, challenges, and financial realities that shape where and how we live.
Every week, Roland and Heidi tackle the housing conversations people are already having around kitchen tables, at family gatherings, and on social media. Should I buy or wait? Is my first home supposed to be my dream home? Should I move up, downsize, invest, or stay put? How do I build wealth through real estate? What's the smartest use of my money? Through honest conversations and practical guidance, they help listeners make sense of the choices involved in renting, buying, selling, investing, and planning for the future.
Drawing on decades of mortgage and housing experience, Roland and Heidi break down real mortgage questions, homeownership strategies, down payment assistance programs, FHA loans, VA loans, conventional financing, housing affordability, wealth-building opportunities, and the financial realities that influence housing decisions.
Mortgage Matters also shines a spotlight on the people and organizations working to strengthen communities across Las Vegas and Nevada. Through conversations with housing advocates, nonprofit leaders, educators, elected officials, and local changemakers, the show explores the issues that affect housing, opportunity, economic mobility, fair housing, and homeownership throughout Southern Nevada.
Roland and Heidi are active community educators who lead free homebuyer workshops across Nevada in partnership with organizations including the Nevada Housing Division, Chicanos Por La Causa (CPLC), and Nevada Rural Housing Authority. Roland serves as a director with the local chapter of the National Association of Real Estate Brokers (NAREB), and Heidi serves as President of the Silver State Fair Housing Council, where Roland is also a board member. Together, they bring mortgage expertise, housing advocacy, community involvement, and a passion for helping people make informed housing decisions to every episode.
Announcer 0:00
This is a KUNV Studios original program. The
Wesley Knight 0:05
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.
Music 0:22
Do dave,
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 1:07
Well, hello, Roland.
Roland Daniels 1:09
Good morning. Happy Sunday. Happy Sunday. How
Heidi Griffith 1:11
are you?
Roland Daniels 1:11
I am absolutely fantastic,
Heidi Griffith 1:13
as always. As always, I'm glad to hear it. I'm Heidi Griffith. I am also a mortgage advisor and your director of Client Services, my NMLS number is 2247754. If you have any questions about anything we talk about today, please feel free. You can give us a call or you can text us. Our telephone number is 702-540-0420. Again, you can reach us at 7020. So we've got somebody in the studio with us this morning. We do been here before, but it's been a minute. It has. It's been a minute. I'm excited to welcome my friend and realtor extraordinaire Starla Jordan with Coldwell Banker to the studio with us. Thank you. Good morning. I'm happy
Starla Jordan 2:00
to be here. I am so happy you're here. Good
Roland Daniels 2:02
morning. Good morning.
Heidi Griffith 2:03
We got some good stuff to talk about, don't we? We do. So I know Roland and I. We spend a lot of time talking about the market, right? But we're talking about it from our side of the desk, from the mortgage world, and it's always great to have a realtor's perspective. You're out there every single day. You know what's going on. You're you're in it, right? Right. And you and I have a lot of those conversations, but I'd love to sit down and kind of talk. I think you brought some some current market data with you, didn't you?
Starla Jordan 2:30
I did.
Heidi Griffith 2:30
What's happening in the Las Vegas real estate market?
Starla Jordan 2:33
So what's happening in the market is inventory. Inventory is growing. Homes are sitting on the market for a little bit longer, and buyers are able to negotiate.
Heidi Griffith 2:45
So let's kind of talk about that really quickly, because again, we have these conversations. So there's more inventory on the market, and Roland and I have talked about this. But when you say there's more inventory on the market, is the market flooded with inventory?
Starla Jordan 2:59
No,
Heidi Griffith 2:59
no,
Starla Jordan 3:00
no. We we want to keep it in perspective because years ago, and and you could probably quote the years when there was like 2020 to 25,000 homes on the market. So at this point, we're we're more like 10,000 homes on the market, but it feels like it's flooded because homes are sitting longer.
Heidi Griffith 3:19
The homes are sitting longer, but and Roland and I had this conversation last week on air. We talked about the lock-in effect, and that was basically that we've got a lot of homeowners who are sitting on you know those twos and threes.
Roland Daniels 3:30
60% of the homeowners
Heidi Griffith 3:32
here in the valley have you know under a 4% interest rate. So we talked about it. Why you know why are you leaving your house, and is there a reason that you're leaving that rate? In many instances, you know, right? People are selling because of a need, not just let's test the market. Absolutely. So there's more listings, and you had mentioned 25,000 homes on the market, and that's you know that was during the crash. So we're talking you know 2010, 11. Roland and I used to drive around and look at houses for fun. And Roland,
Roland Daniels 4:04
we should have been looking. Why were we
Heidi Griffith 4:05
looking at $40,000? Imagine we would have
Roland Daniels 4:10
bought a few of those, and where we would be sitting today
Starla Jordan 4:13
on a beach somewhere, right? Right.
Heidi Griffith 4:15
But but hindsight, and that's why we always say the crystal ball is broken when we talk about markets, you know, we're waiting for the market to crash. Can we
Roland Daniels 4:27
still hear that on daily basis? Unfortunately,
Heidi Griffith 4:29
and and the bigger thing about that is you don't know that the market crashed until it's behind us. By the way, right? Right. You don't know when interest rates were the best until it's behind us, so all of those things play a key role, and nobody has that crystal ball, especially in the world we live in now. So we've got some more inventory, so that's good for buyers, right? Absolutely. And when you say that the homes are sitting on the market for longer, let's talk about days on market really quickly, because I know a lot of people, you know. I I talk about it a lot, but I catch myself, you know, in the evening scrolling my phone. Maybe I pop over to Zillow or, you know, Realtor.com, and I'm looking at properties, and and it has the days on market. Right. So when we say what's what's the average days on market, and what what is days on market?
Starla Jordan 5:20
So the average days on market right now is 57, and days on market is the time that a home goes active when it hits the market and it's ready to be sold, starting day one until it actually does sell.
Heidi Griffith 5:35
So until it gets an offer, until it closes. So that's
Roland Daniels 5:38
all. That means it's almost like two months right now that homes are staying on the market, but that's the average.
Heidi Griffith 5:43
Well, and you know that that that that word average is always the thing. 50% you know, self-assessment, 50% So when we talk about average days on market, is that all houses? So that could be the least expensive to the most expensive home. Are we using that when we do the average days on market? So, and that's going to make a difference too, right?
Starla Jordan 6:03
That does make a difference, and and I believe that is in the bucket. Right, it's all of the homes, right? But like you said, some are selling faster than others if they're still priced right and the condition is well. Those are getting snatched up.
Heidi Griffith 6:16
And you're are you seeing a difference in like you know, price ranges and neighborhoods based on how quick they're going to sell.
Starla Jordan 6:24
Well, you know what? Since real estate is hyper local, it depends on the neighborhood, and it does depend on the price range. So before you know a buyer says something that's vague like that, I would tell them that you know, hey, I'm going to look at the recent comps. I'm going to look at you know the competitive listings, and then we can come up with how we're going to move forward.
Heidi Griffith 6:47
Because we can't speak on Las Vegas being one real estate market. Because you know a lot of people, when when we're looking at our social media or when we're watching the news in the evening or however we get our news, we're seeing headlines about national real estate markets. Right. You can't use that as what's happening. You can't even use the local Las Vegas market as what's happening, right?
Starla Jordan 7:07
Right, because you know Summerlin might be you know selling like hotcakes, whereas Green Valley it might be stale, or it might even not be. It could be even more local than that. It could be a particular neighborhood versus another neighborhood in the same community,
Heidi Griffith 7:23
right? So my neighborhood selling quickly, but the neighborhood right next door that might have been built by the same builder and look exactly the same might not be selling at the same pace,
Starla Jordan 7:32
right? Exactly.
Heidi Griffith 7:33
Ah, so we want to make sure that we know the area that we're buying in. That's why you want to work with a professional and you want to talk to a realtor to figure out, you know what does that look like, and then what about you know? And I talk about this a lot on the air, but you know everybody thinks that they have the best house,
Starla Jordan 7:46
absolutely,
Heidi Griffith 7:47
right? All sellers. I was that seller. I thought that you know because I I put my Heidi touches on it that it was the best house, right? But a great house at a great price. Let's just say you know because what's the median price home right now in the valley? The
Starla Jordan 8:02
median price is 480,000. So
Heidi Griffith 8:05
480. So it's come down. It's but it's when we say it's come down, it's come down a minuscule amount, right? Because do we know what that highest was? Was I think
Starla Jordan 8:14
just recently it was just 485. 485. So we're
Heidi Griffith 8:18
talking $5,000, and that could have just been that more homes that were you know listed for less sold for that so so we're about the 480 range right but what if I had you know a great home listed at $400,000 had all the bells and whistles I as the seller I'm motivated to sell it odds are that's probably going to go quicker than a house that needs work.
Starla Jordan 8:42
Absolutely. So, like I was saying earlier, price and condition. Condition does matter in this market. You really need to get that home ready, and it needs to be what some would call close ready, like ready to close. Even if you could do some of the pre-work like home inspection, get some things fixed, staged, cleaned,
Heidi Griffith 9:07
to just get get the house ready to get it sold, so that you're benefiting from because the day's on market, right? So we know from our chairs that interest rates there isn't any indications that they're coming down, and there still are those folks that are waiting for rates to come down,
Starla Jordan 9:26
right?
Roland Daniels 9:27
And home prices,
Heidi Griffith 9:28
and home prices to come down, right? And we haven't seen that here either,
Starla Jordan 9:31
not drastically,
Heidi Griffith 9:32
no, not like
Starla Jordan 9:33
what they're thinking,
Heidi Griffith 9:34
no,
Starla Jordan 9:35
right.
Heidi Griffith 9:35
So when you see when you're seeing price decreases, when you're looking at your MLS and you're looking at price decreases, do you know is there a number for like when we're seeing like price decreases? Because I know a lot of times when we're talking and maybe you have a listing and maybe the seller thinks it's worth X dollars. You've done your comparative market analysis and all of the stuff you do to prepare for a listing. And the seller thinks it's worth this. The market thinks it's worth this. This is where you should list it at. You have those conversations when you're doing your listing. Where are we seeing sellers? Just I don't even know if there is this number, but where are we seeing sellers determine we've got to do a price reduction? Is that happening quickly? Is it taking a long time? Are we seeing a lot of sellers reducing prices?
Starla Jordan 10:25
Yeah. So I believe the statistics are that there's 27 of the sellers that are active have done price reductions. Oh,
Heidi Griffith 10:36
so today with the stuff that's out there that you could go purchase, 27,
Starla Jordan 10:42
27. Okay, so that's
Heidi Griffith 10:43
at least a quarter of the sellers out there understand that in so many instances it does boil down to price, doesn't
Starla Jordan 10:51
it? It does. Everything can be sold at the right price.
Heidi Griffith 10:55
Well, absolutely.
Starla Jordan 10:56
Everything.
Heidi Griffith 10:57
Absolutely. So when you're writing offers right now, where are you finding that room? So for buyers, right? So now you know that there's some negotiations that can happen.
Starla Jordan 11:08
Right.
Heidi Griffith 11:08
We've done many transactions together over the past couple of years, but where are we leading buyers when you're out there and you're getting ready to write offers? Where are you finding that room to negotiate?
Starla Jordan 11:21
So there's several areas in the purchase process where you can negotiate.
Heidi Griffith 11:27
Okay.
Starla Jordan 11:28
So the first thing, of course, would be the price. So right off the bat, we're going to look at the comps, and I'm going to show them the comps, and then they'll let me know what price they want to offer. So that's number one. Then there's negotiating the terms, and then there's another area where you can negotiate prices again, and that's with the repair, the request for repairs.
Heidi Griffith 11:52
So when you say negotiating terms, what does that look like? What does that mean?
Starla Jordan 11:55
So it could be anything from when they turn in the earnest money deposit, the due diligence period-that's you know that-that's an important
Heidi Griffith 12:04
one. It
Starla Jordan 12:05
is for the buyer to do his do his or her research. We want to know: do we have seven days, 10 days, 14 days to do this research? Right. The appraisal contingency-that's another time frame, as well as the loan contingency. So there's a lot of areas where there's some terms that can be negotiated.
Heidi Griffith 12:23
What about seller credits?
Starla Jordan 12:25
Oh, for sure. That's right off the bat. Let's sit let's
Heidi Griffith 12:29
sit with that for a second because Roland and I have been talking about seller credits for for a while now. It's impressive the negotiations you do to get seller credits. And we last week, Roland and I had the conversation of, and we and we made ourselves buyers. We we made ourselves hypothetical buyers last week, and what we would do if we were out negotiating on a transaction with our real estate agent. And the first question was, if the seller was willing to give us $10,000, would we take it off price, or we would you would we use it in seller credits, Roland? What would we come up with?
Roland Daniels 13:04
Well, if it were it is us, and we would take the $10,000 all day long when it came to the seller concession,
Heidi Griffith 13:11
and then would we ask for a price reduction? Of course, we would. Might as well. If you don't ask,
Roland Daniels 13:16
is no.
Starla Jordan 13:17
Might as well. But you're seeing that, right? I am. You're seeing that. I am. So, have you closed any transactions this year with your buyers that you got seller credits? Yes, most probably. I wouldn't. I don't know if it's 100% but probably 99.9%
Heidi Griffith 13:35
So, pretty much everybody got some form of seller credits. Do you know are are buyers looking at utilizing those seller credits for their closing costs, are they buying down rates, or is there you know everybody's different?
Starla Jordan 13:47
I would say a combination. Most use it for their closing costs so that they can just keep the money in their pockets, in their bank account, and they can move forward and not have that extra expense.
Heidi Griffith 13:58
Yeah, because seller credits are. I mean, they're so valuable for so many reasons, especially because, you know, coming up with the money for your down payment and closing cost versus just qualifying for the payment. Lots of folks can qualify for a payment. It's that getting the money together to close, and if sellers have the capability and they are negotiating, it becomes a really big win for buyers. Absolutely, right. So, Roland, tell tell me this, Roland. We talked about it. We determined that we were going to use the seller credits. Why is it a better idea for us to use the seller credits versus you know if you only had $10,000 to work with from the seller, where would you put it?
Roland Daniels 14:39
Well, if you're looking at $10,000 off the sales price when it comes to your monthly mortgage payment, maybe it's only like 45 or $50, which is about what $600 a year, right? Compared to the $10,000 that I could utilize for seller credits, which gives me the ability to keep 10. $1,000 in my pocket, so I'm going to take the $10,000 towards my closing costs every day of the week,
Heidi Griffith 15:08
and then still ask maybe for a price reduction depending on where the house is priced out. Right?
Roland Daniels 15:12
Yep,
Heidi Griffith 15:12
I love that. I love it. So Starla, when you're negotiating on a transaction, so I'm a buyer. We go out. We find a property. We sit down. You give me the comps so I have a good idea of what the home is valued at. Right? When you start negotiations, are you trying to find out what's important to the seller first, or we just sending our offer over?
Starla Jordan 15:35
Oh no! I always try to find out what's important to the seller first, and I do that several times. Whenever I take my buyer to go look at a property, I'm making arrangements to show that property. So I'm reaching out to the listing agent at that point. And then, if my buyer expresses interest in the property, then I'm reaching out to the listing listing agent to let them know my buyer's interested, and I want to find out what the seller, what's motivating the seller. Then I'm going to do the comps, and then before I send that offer, I'm getting in touch with that listing agent again to let them know what to expect, and just trying to build rapport and make sure that we get the offer accepted.
Heidi Griffith 16:20
When you're negotiating on behalf of your clients, because it's not you and the seller's agent, right? You guys aren't negotiating. You're negotiating on behalf of someone, right? Do you find that that building that rapport with the listing agent is important upfront?
Starla Jordan 16:38
Absolutely, it is. It it could be the one thing that differentiates you from another offer because there could be someone another agent that's putting in an offer that's quite similar or exactly like yours, and if they don't build that rapport, that might be the thing that you know you might be able to tell the story of your client that gets in front of the other offer,
Heidi Griffith 17:05
and do you sometimes get some good information from the listing agent about maybe the seller's motivation?
Starla Jordan 17:09
Absolutely, we we want to ask that because we want to give them what they're looking for while making sure that our client is happy.
Heidi Griffith 17:17
Absolutely, absolutely, and I remember back when I used to wear my real estate hat. I remember, you know, sometimes you build a nice rapport with someone, and sometimes, and I don't. This isn't, you know, trying to be shady, but sometimes things would slip out. Oh, they really have to move because now we know motivation. Now, when we're structuring an offer, right? And I know that you do that because I see it time and time again when you're putting offers out there, you were recently in a situation where you were in a multiple offer type situation because they still happen, don't they? They
Starla Jordan 17:48
still do,
Heidi Griffith 17:49
and you made sure that you were having those conversations with the listing agent because you and I had those conversations. Roland reached out, so it's just about keeping that line of communication open, isn't it?
Starla Jordan 18:01
It is absolutely.
Heidi Griffith 18:02
And is there a point where a buyer could ask for too much and actually hurt the transaction?
Starla Jordan 18:10
Absolutely. Ah, really? Yeah.
Heidi Griffith 18:12
Tell me about it.
Starla Jordan 18:13
So there's a point where you know buyers. What's funny to me sometimes is they will look at days on market, and they might see 40 days, and they're like, "Oh, well, that's $10,000 off. And so, with that mindset, the first thing that I'll tell them is, you know, let's do the comparative market analysis. Let me reach out to the listing agent. Let's find out what the motivation is, and then let's talk about it. Because if you go in and do what's called a lowball offer. You could absolutely offend the seller, and the seller could say, "I don't want to deal with that person. Period. No matter what they bring to me. So, do we know what like a lowball? What is a lowball offer?
Roland Daniels 18:54
50, $60,000 below.
Heidi Griffith 18:56
What's a lowball's
Roland Daniels 18:57
price?
Starla Jordan 18:58
I think it's subjective. Okay, it depends on the seller. A lowball offer to some sellers might be 10,000 lower.
Heidi Griffith 19:06
Right,
Starla Jordan 19:07
depends on what their price point is and what their motivation is to to come out of that sale. So,
Heidi Griffith 19:14
yeah. So I think you know if you and I roll in, I'm going to put us back in the buyer chair. Man, maybe we should buy a house. Well, we've got one. But if we were in that situation, I think we would look at it as as buyers, as consumers, right? From the standpoint of we want to get the best deal we can get.
Roland Daniels 19:34
Of course.
Heidi Griffith 19:34
I mean, I'm not worried about offending a seller, but I remember, and I know that real estate has changed drastically since I drove around with because I didn't even have GPS at the time when I drove around and I was showing houses, but I do know that you know there was this point, and you're right, it is subjective. So because some seller, again, we all think we have the best house and it's worth the most amount of money, but you know if you've got a a $480,000 house that's been on the market. At 60 days, and maybe it's right where it should be, or maybe a little bit under. And I offered 10,000 less. I probably wouldn't be concerned about offending the seller. Now, if I offered 150 less, because I'm just going to start throwing bait out there, then I might be like, you know, then of course. And I remember I actually worked with a few clients like that that just wanted to lowball all over Las Vegas, and I ultimately ended that relationship because we were wasting everyone's time, and we were we were we were taking homes that you know could have had viable buyers on them, and just make it was a mess. So I get that. So that that's cool. And when we talk about days on market, right? If I find a house that's been on the market for 90 days, and you said it just a few seconds ago, you know, buyers kind of create this theory about why a house has been on the market. Is it always because there's something wrong with the house?
Starla Jordan 20:55
No, no, it isn't actually. It could be that the seller started overpriced, and now they're chasing the market to get the right price. I
Heidi Griffith 21:06
remember that,
Starla Jordan 21:07
and that's not a good feeling for the seller or the listing agent.
Heidi Griffith 21:11
Okay,
Starla Jordan 21:11
it could be that the house went under contract once and fell out for whatever reason, and then it's back on the market because that takes time.
Heidi Griffith 21:21
Why would it fall out of escrow?
Starla Jordan 21:22
Sometimes, if a buyer cannot get the financing,
Heidi Griffith 21:26
oh, okay, yeah,
Starla Jordan 21:27
they put an offer in and they can't can't close on the home. There's a lot of different reasons why, but in this market, a lot of it is overpricing.
Heidi Griffith 21:38
So a lot of it is overpricing, but it's not always overpricing. No, what if I had? I remember I showed a house once that had hot pink carpet and white walls, and I remember I walked into the house and the walls were glowing because the carpet and the walls glow. So I would I would assume that that would probably sit a little bit longer, even though it's just carpet, right? So then we can. So maybe if you walked in with me as a buyer and I was like, oh my goodness, no, and you you might tell me, Heidi, it's carpet. We can exactly. And what's it going to cost to you know put flooring in this house? And then we would look at the numbers from that. Do you like the floor plan, right?
Starla Jordan 22:16
Right. I can
Heidi Griffith 22:16
hear you saying that to me, Heidi. Stop. Heidi, stop. So with that, what can you find out that I probably couldn't figure out as a buyer just looking online? You've talked to the seller's agent. You've done your, you know, your comps or whatever it is you do. What could you find out that I can't find out online? Because I know that when we teach the CPLC path to homeownership workshop every month, right? And we have conversations with buyers. I've heard it. I hear it more than not. I don't need a realtor. I can negotiate with the seller's realtor. I have long, deep conversations about being represented, and I talked about it briefly earlier. But representation means that you have someone looking out for your best interest. We have dual agency in Nevada, right? So you could actually represent the buyer and seller. But I hear a lot of people say, "I'm going to go to the seller's agent because I'm going to get a better deal because
Roland Daniels 23:17
we don't have to pay both agents
Heidi Griffith 23:19
because we don't have to pay both agents, and that that is a concern to me. I understand that there are a lot of agents that can negotiate and maneuver dual agency, but I know when you and I have conversations, I like the fact that you take care of someone the way I would take care of someone. That's important to me because I firmly believe that you know we don't do it every day, and so if we don't do something every day, you're the expert. And do you think that if I said I've already found the house because these are the stories that I hear? I found the house online myself. The realtor didn't find the house. Well, you were up at three a.m. on Zillow. You didn't give me the opportunity to sit down at the MLS this morning, and it's just a different world that we live in now with with house searches. So you can do stuff that people don't see, don't you agree?
Starla Jordan 24:17
I do.
Heidi Griffith 24:18
So what does a realtor do? What does a great realtor do
Starla Jordan 24:21
so when it comes to finding things that the the buyer can't see online, our tool our MLS tells us a lot of good stuff. So we have the listing history. The house might have started on the market in January, came off, came back on in March, came off, and there's very there's a lot of different reasons why that would happen. But then we can also reach out to the listing agent, and we can ask them that history and find out what's going on with that. We can look at previous price changes, where the property previously went under contract. Comparable sales, competing properties. You know, yeah, they might be able to see what other properties sold, but are they in that same community? Are they the ones that would be in the comparative market analysis? Right. Seller disclosures.
Heidi Griffith 25:16
That's a big one.
Starla Jordan 25:17
That's a big one. What is what's a seller
Heidi Griffith 25:20
disclosure?
Starla Jordan 25:21
So the main seller disclosure that we work with it's called the seller's real property disclosure, and the way that I describe that to the buyers is that's the seller's report card on the home. It tells them about the condition of the home that they know of since they've lived in the home. So if there was anything that broke down-plumbing, electrical, roofing-and if they fixed it, all of that is supposed to be disclosed in that document.
Heidi Griffith 25:49
Then I'm going to put the asterisks where it's supposed to be, because do all sellers disclose everything?
Starla Jordan 25:56
They should. We
Heidi Griffith 25:56
hope so. Yes, we hope so. They should. But being having a great representative on your side, right? So having a great realtor that's working in your best interest,
Starla Jordan 26:08
right?
Heidi Griffith 26:08
It's important because now I know that you're looking out for those things. Absolutely. So if something doesn't look right, because you've seen this time and time again, and you're not, and you know, you're you never built a house from scratch by yourself with a tool bed, but you you know a lot more than I even do,
Starla Jordan 26:25
right?
Heidi Griffith 26:26
Because you do this every single day,
Starla Jordan 26:28
right? We learn a lot,
Heidi Griffith 26:29
absolutely, absolutely in different scenarios. My goodness, here we are again, almost out of time. Starla, if somebody wanted to reach out to you, how do we get a hold of you?
Starla Jordan 26:39
So the best way would be to call me, and my number is 702-561-3362.
Heidi Griffith 26:47
Give it to us again:
Starla Jordan 26:48
702-561-3362.
Heidi Griffith 26:53
Fantastic! And before we wrap up, we've been asking you all the questions.
Starla Jordan 26:58
Yes. Is
Heidi Griffith 26:58
any question for us?
Starla Jordan 27:00
What are the rates?
Heidi Griffith 27:03
That's great question, Starla. She she load locked and loaded on us. So Merlin, what's the rate? The rate is
Roland Daniels 27:12
the rate for the day. That's
Heidi Griffith 27:14
right, and everybody's rate is different. We get this question so often, and Starla said it to be funny. By the way, guys, we get the question so often that we can't quote a rate because we don't know your credit score. We don't know what your finance. There's several factors. We don't know where you're purchasing. We don't know the loan amount, right?
Roland Daniels 27:33
Yep. So we'll be back next Sunday morning at 7:30 a.m. right here on KUNV 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 27:48
Bye.
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