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Mortgage Matters is a Las Vegas, Nevada–based mortgage and homeownership podcast hosted by licensed loan officers Roland Daniels (NMLS #355859) and Heidi Griffith (NMLS #2247754) with Geneva Financial. Airing every Sunday at 7:30 AM on KUNV 91.5 and available wherever you listen to podcasts, the show covers real mortgage questions, down payment assistance programs in Nevada, VA loans, FHA loans, first-time homebuyer strategies, and building generational wealth through homeownership.
But Mortgage Matters is more than a mortgage show. Roland and Heidi regularly bring in community voices—organizations and individuals doing meaningful work across Las Vegas and Nevada—because they believe homeownership doesn't happen in a vacuum. Housing advocacy, community resources, and economic empowerment are part of every conversation.
Roland and Heidi are active community educators who lead free homebuyer workshops across Nevada in partnership with the Nevada Housing Division, Chicanos Por La Causa (CPLC), and Nevada Rural Housing Authority, plus a series of other housing and finance classes, covering programs like Home Is Possible and Worker Advantage. Roland Daniels is a director with the local chapter of the National Association of Real Estate Brokers (NAREB), Black Realtists of Southern Nevada — an organization both Roland and Heidi are proud members of. Heidi Griffith currently serves as acting President of the Silver State Fair Housing Council, where Roland also serves as a board member. Together, they bring decades of Las Vegas mortgage expertise — and a deep commitment to closing the racial and economic homeownership gap — to every episode.
Wesley Knight 0:00
This is a KU NV 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 with my fantastic co host, Heidi Griffith, good morning. Heidi. Well, good morning.
Heidi Griffith 1:07
Roland, how are you this Sunday? I am doing awesome. I love to hear that about you. You're always awesome. I try my very best. That's a good, positive outlook, isn't it? Why not? It is so I'm Heidi Griffith. I'm a mortgage advisor and your Director of Client Services. My NMLS number is 2247754, if you haven't joined us before, mortgage matters is about helping you better understand your options around housing, home ownership and long term stability, 100% so whether you're thinking about buying your first home, buying again, or you're already a homeowner Roland, and my goal is to give you a clear, honest information so you can make confident decisions.
Roland Daniels 1:48
That is the name of the game, to be confident in your decisions, and we do provide clarity
Heidi Griffith 1:54
absolutely so so we just finished our first two homeownership classes. We did that was exciting. It was and great turnouts. Yes, super excited. I was really pleased to see so many people kind of starting to think about what that process looks like. In getting serious in 2026 we know that prices continue to rise. It is, you know, the market slowed down a bit from where it was in you know that 2021, 22 craze, agreed, interest rates went up just Yes, right? We've seen a small dip in them, but nothing crazy.
Roland Daniels 2:31
But we have our worker Advantage Program, which I think is bringing more and more people out.
Heidi Griffith 2:37
Well, I think people are starting to understand, because we spent kind of the better half of last year, talking to people about the capability of actually doing down payment assistance, because there was such so much bad information.
Roland Daniels 2:50
It is because we hear it every week, there's no funds available, or maybe the they ran out of money, yeah.
Heidi Griffith 2:57
Well, yeah, no, I spoke with somebody last week and they said, Well, I was talking to this other lender, and I was trying to do this program, but they said that program wasn't available anymore. Unfortunately, it was bad information, because the program they were talking about is available, and it is. It's the teacher program with the Nevada housing division, and it's 100% still available right now. They've got funds through the middle of March, and that could clearly be extended. It's been extended in the past,
Roland Daniels 3:23
most of the time, I would say nine times out of 10 it will be extended.
Heidi Griffith 3:27
Yeah. So, I mean, it was just they were just given bad information for whatever reason. I'm not sure that the bottom line, but now they're able to move forward with what their goals were and what they were looking at doing right.
Roland Daniels 3:38
But it worked out for us, because we were able to get them to utilize the program,
Heidi Griffith 3:42
no, cancel that whole thing. It didn't work out for us. That sounds like we got the loan and we did on certain one, okay, but that wasn't bad. So we're going to cut that whole rolling thing right there,
Roland Daniels 3:55
you know, in script, but, but so
Heidi Griffith 3:57
yeah, and we're seeing a lot of that, so that that's certainly one thing. But I think a lot of people are also sitting down and kind of taking a look at, you know, their goals. It's that time of year where we go over our yearly goals, it is, and taking a look at, you know, the market continues to rise. We see prices continue to go up. That whole affordability thing, right? That word is just, it's not a great word. The attainable thing, I guess, is the word that we're using now.
Roland Daniels 4:23
Well, and I don't know if you've been paying attention when it comes to affordability, it's been less and less talk about or them using that word. Yeah. Why do you think that is, I don't know. Maybe the climate this part of the year, I'm not sure,
Heidi Griffith 4:38
yeah, because I'm seeing a lot of attainable, right versus affordability, but, but here nor there. You know, more and more people get priced out of the housing market, and that's on a national level,
Roland Daniels 4:49
and I think that will continue to happen no matter what, right, right?
Heidi Griffith 4:53
But so I think a lot of people are sitting with that and saying, you know, maybe I should at least look into it. And that's the biggest thing. And. I think we're going to talk about that quite a bit today, but I know that, like, for example, last Wednesday, we did our first home is possible Down Payment Assistance class that was held with the Nevada housing division. Yeah, our first one of the year. And that's when that, when that was in person, we were able to go over all of the programs that Nevada housing division offers, because they have some really good programs, right? And it was a full house. You know, we usually see more people on the Zoom classes that we do with them, because we do a class pretty much every month with Nevada housing division,
Roland Daniels 5:29
and we do try our best to rotate between in person classes and online to give people the opportunity to participate in be engaged, right?
Heidi Griffith 5:39
Because some people like to be in person so that you can ask those questions one on one. Some people, you know, especially because of time restraints, like to be able to hop on when they get off work, you know, and join the class. This is the certified class. So you get your home buyers education certificate that makes you eligible for all of their programs. It actually makes you eligible for all of the Nevada Rural programs as well. We can use that certificate for that. But I was really impressed to see such a full room, because the in person classes tend to be a few less people than the online classes, and it probably is a get there thing, right, right? It was amazing. It was a full room. Full room. We had a full class. And side note, they were all women. Can you imagine that? It was impressive. I was proud.
Roland Daniels 6:23
So I was the only male. You're the only dude in the room,
Heidi Griffith 6:29
which is awesome. And it was a great, I mean, lots of great questions. It was lots of great conversation. We actually, because we were talking about so much, and there was so many, we ran a few minutes over.
Roland Daniels 6:40
Actually, we probably went over 20 or 30 minutes over. So just imagine they were, they were willing to stay over because the conversation it was, and the ability to sit and ask questions and learn from others who are also asking questions. Because sometimes you may be a little bit nervous to ask your own questions, right?
Heidi Griffith 7:00
And a lot of times you'll pick up whatever your question was, because someone else has right?
Roland Daniels 7:04
And that's the great thing about the in person classes, yeah.
Heidi Griffith 7:07
And I know that, you know, one of the biggest themes that kind of came up in the class, and we see it more and more, is that they were there. Because we'll ask folks, you know, How'd you hear about the class? What are your goals, looking forward? And one of the biggest reasons that people attend classes, especially, and it was a big theme in this class, was the the down payment, right, saving for that down payment. Because we say it time and time again, don't we? 68% of people haven't purchased a home because they can't save for the down payment, right. Haven't been able
Roland Daniels 7:39
to save. And of course, there's been multiple articles in the newspapers and social media stating that the it takes the average person seven years to save up for that down payment.
Heidi Griffith 7:49
Well, yeah, because life lives, doesn't it. You have all intentions on, you know, socking away x dollars to torture down payment for your new home. And then something happens.
Roland Daniels 8:00
Just look at last month, we had Black Friday and holidays. Things happen, like you said, Life,
Heidi Griffith 8:07
lives, yeah, the holidays are a bank drainer. But you know, something happens with your car. You know, we all know that we need our vehicle to get to and from work, you know, take the kids to school, all that kind of stuff. So we have to, we have to take care of those things first we do and so then, you know that savings that was going towards the house, we're gonna have to put that on hold for a while. That's what's great about these kind of programs, is they, they take that barrier out of the equation and do make it more attainable for
Roland Daniels 8:35
folks, right? Because with the down payment assistance programs, pretty much that takes care of your down payment, right?
Heidi Griffith 8:41
And it's just, it's just kind of removing that roadblock. So I think that's what we should really focus on today, right? Preparing you before you even think about going out and purchasing a home, what is it going to look like, right? Right? Because I, in talking with so many people, I had a conversation with a gal at that home as possible class, and she was waiting until she was ready. And certainly that, you know that that's an option to wait until you're quote, unquote,
Roland Daniels 9:10
ready, yeah, but what? What is waiting until you're ready?
Heidi Griffith 9:13
And I asked her that, and she really didn't know. So I said, Have you sat down and kind of talked with anybody about what the process looks like? She said, Well, my lease isn't up until next year, right? And I did speak with someone, and he told me to call him in six to eight months. And I said, you know, maybe you start now, so that you know what
Roland Daniels 9:32
that looks like, right? Because the best time to get prepared is now, right. Well, I mean, you
Heidi Griffith 9:37
know, have someone go over your credit because if there's anything that needs to be repaired or improved upon, you have to this is a great time to do that, you know, let's start looking at numbers, because until you sit down and get pre approved, you don't even know what you qualify for, no less, what your mortgage payment is going to be about, right? So when you and I sat down yesterday and started talking about. We're going to talk about today. I thought that would be a great time to kind of take a look at what it looks like to get prepared to become a homeowner, right? So let's, let's talk about some stuff with that, because knowing your numbers early on really can change everything. It could be a game changer, right? So I think one, one strategy we talk about a lot with clients is what we call mortgage readiness savings plans, right, right? And it sounds like a lot. It's nothing fancy, really. It's a great way to prepare for home ownership and paying that monthly mortgage, even if you're not going to be paying it for 12 months out, right?
Roland Daniels 10:37
But you want to be in the habit of making those payments. So you want to follow a budget or a spending plan, because it's more than just a mortgage, you have to account for your utilities, even in your other expenses, so such as Netflix, your gym membership, gym membership, right? Telephone expenses, right? Childcare, perfect.
Heidi Griffith 11:00
I mean, there's a lot of stuff that when you're getting pre approved for a mortgage doesn't get counted when we're looking at what your debts
Roland Daniels 11:07
are, yes, because we're just mostly concerned about what's on your credit report and whatever else pops up. Maybe you owe the IRS or something like that. Other than that, we're just looking at your revolving debt and your installment debt, right?
Heidi Griffith 11:21
So that's student loans and car payments, car payments, right? Personal Loans, but there's other stuff that you pay every month that you still have to pay every month. So we want to set you up to be the most successful homeowner. And budgeting is a great way Roland tells us to every client, and it's just one of those little, you know, secret sauce things that people can do that kind of does prepare you early on. So like the gal I was talking to in class, she's not looking for 12 months because her lease isn't up, and we don't know what's going to happen with prices and rates in the next 12 months, but we do know that we can sit down now. We can go over her credit, but we can also talk about, okay, so right now you're paying 1800 bucks a month in rent. That's what your rent is. Until your lease is up. You're comfortable with that, you qualify for a house, and maybe your mortgage payment is going to be $2,800 right? So now's a great time to take that additional $1,000 right? You've got an $1,800 rent payment. Your mortgage is going to be $2,800 give or take. Take that extra 1000 extra $1,000 put it in its own account.
Roland Daniels 12:25
Yes, pretend that you're making that mortgage payment, but you're actually putting it into a side account. We recommend something like a high yield savings account, right? And you just don't touch it. So let that money accumulate, and it's right there to help you out with closing costs down the road,
Heidi Griffith 12:42
right, right? Because it really does two important things at the same time, right? It teaches you what the payment is going to feel like, right? What does that feel like? How does it hit your pocketbook, right? How does it feel every month now that I'm paying an additional $1,000 with all of the things we were talking about, you know, your your gym membership, your streaming services, all of that kind of stuff. How does that feel? And are you comfortable with it? Right? Maybe we make some adjustments, but are you comfortable with it? And the second thing it does is it does, like you said, it starts to build, maybe not an outrageous saving amount, but a small savings that you can then use for your down payment and closing cost, right? You know, we can apply that towards that, or it's a great way to set up that rainy day fund.
Roland Daniels 13:28
It is. So imagine you're paying $1,000 extra a month or setting it aside. Let's say you're six months away. Well, that's $6,000 that you have available to you to use, whether you're going to pay down other debts or part of the closing cost?
Heidi Griffith 13:43
Yeah, it's a great way to go into it, especially if you know you're not going to be purchasing for six or 12 months in advance. Yeah. And I think it really does set you up to be more successful, because it's really going to build your confidence you know that you're comfortable with whatever you're paying in rent, right? Sometimes we really don't know what it feels like to throw another and we're just using $1,000 right? So it really is good, but and there's other things that we can do right? There is so in talking about all of that stuff that we pay outside of the stuff that's on our credit reports, I've said it before, it's really important. I try and do it at least every few months, right? You know, look at the stuff that you're paying for your subscription services, whether it's Netflix or Hulu or whatever that is. Look at your gym membership. Look at, you know, now we've got car wash memberships.
Roland Daniels 14:35
We do, and those can range anywhere from 35 to 60
Heidi Griffith 14:38
bucks a month. And it's one thing, if it's a service that we're utilizing, it's another if it's a service that we're not utilizing, yeah, but
Roland Daniels 14:47
because a lot of times, we'll sign up for different offers, and then maybe 30 days or 60 days down the road, we forget about it, but it's still hitting our bank account,
Heidi Griffith 14:57
bank account, bank account, and those are sometimes the little. Charges that we don't even see coming through. I did it with an online app, you know, a word program that I was using in for business, right? And stopped using it, and I didn't even realize I was paying the eight bucks a month for it. That's eight bucks that I can then put towards that, you know, that $1,000 you know, a lot of times we're paying for top tier services, and I'll just use Netflix, for example, I have the top tier Netflix program, probably with no ads, right, right? And, you know, maybe it's four family I don't even know what that looks like, four family members, or whatever that is. Maybe we say, Okay, we're gonna, you know, we'll adjustment. Maybe we go down to the lowest tier, right? And deal with the commercials or whatever works for you, because really, those little $8 charges,
Roland Daniels 15:48
they can add up. It all adds up, right? Yeah.
Heidi Griffith 15:51
And, you know, you can take those payments that we've canceled and redirect them to your savings. You can, you know. And another great thing is to kind of create buckets for money, because in we said it in class, I don't want people to be miserable. We should be able to enjoy life. We should be able to house poor, right? Or plan for vacations and that kind of stuff. And even leading up to the home, you know, one of those big things a few years ago that was going around when they were talking about homeownership is that people need to stop ordering Starbucks and avocado I know as a fact that going to Starbucks or buying avocado
Roland Daniels 16:28
toast could be the highlight of your day or your week. And not only
Heidi Griffith 16:32
that, that's not stopping people from home ownership, right? Like we said, the number one barrier to home ownership is having enough money down to down payment, and we have you covered. That's not a Starbucks trip. I mean, could you cut out a Starbucks trip? Are you going to Starbucks every day and spending 15 bucks? Could you reduce that? Sure you could. But if that brings you ultimate joy, then no. Figure out where you can cut that 15 bucks, somewhere else, somewhere else, right? Agreed so. And you know another thing that works really well, and I've started doing this myself, is I have a no spend day every day that I spend no money. If a bill was due on that day, I'd pay the bill the day prior. Okay, I have a no spend day. And really we don't realize how much we're spending a buck here, or five bucks here, or 25 bucks
Roland Daniels 17:16
here, until you write it down. Sometimes it's painful on a sheet of paper. Yeah, sometimes it's pain, and we do recommend that you track all of your expenses for 30 days. For 30 days, it's eye opening. You will be amazed literally the amount of money that you're spending, and literally
Heidi Griffith 17:32
everything you spend. If you stop at the gas station, you get gas, you write down your gas. If you run in to get a pack of gum, you write down that buck 75 Yep, I agree, and I will tell you, it is eye opening and really having a clear budget, even if you're not buying a home, will change your financial future,
Roland Daniels 17:51
and that is the goal. We do want to help change, because we have to think about money in a way that helps us get ahead, right?
Heidi Griffith 18:00
Absolutely and sometimes homeownership isn't for everyone, true, but setting ourselves up and setting our future selves up and setting our family's future selves up for success should be yes, should be so you know, if you'd like a budget, if you'd like help setting it up, you know, we're happy to send you a simple budgeting worksheet. You can call or text us. We're at 702-210-2057 again, our number is 702-210-2057 and we'll get that right over to you. We will. So let's we talked about budgeting, and we're kind of talking about how we kind of prepare going into the thought of home ownership, right? And what that's going to look like before we attend any open house, right, right? And credit. So we know the two biggest barriers to home ownership are the down payment money, right, and then the in credit. People. People tend to get a little nervous around the credit unless they've got a perfect script, unless they're sitting at that 808 50. Then then people are really proud of that, and you should
Roland Daniels 19:01
be well, and some people will ignore it, or they don't want to look. Maybe they are afraid to look and see what the actual numbers are.
Heidi Griffith 19:08
Great point, because we've actually both probably talked to people that when we asked, you know, do you know about what your credit is? They have no idea. They have no idea they have they think that they might know, but they really haven't taken a look at it. But I think really, the first step with credit is knowing what's actually on your report. I agree totally. You know the only official place that you can get your full credit report for free, for free, that will provide all three bureaus. So Experian, Equifax and TransUnion is annual credit report.com. Yes, this is a free service. It's called annual credit report.com you will get all three of your reports annually. However, for the past many years, we've been able to get them monthly, sometimes weekly, sometimes weekly, and a lot of that has to do with credit card breaches, and, you know, fraud and. Breaches and things like that, but it's always a great idea.
Roland Daniels 20:03
And just remember, you can't get your scores for free, but it will be your actual credit report, and you'll know exactly what is on your credit report
Heidi Griffith 20:12
that's reported to all three bureaus, because not everything differently, right? So just so you understand a little bit better, you have a credit card that credit card company, whoever it is, pays the credit bureau to report your score. Yep, that is so I have ABC credit card, and they they may be only paid TransUnion and Equifax, so that cards not being reported to Experian or vice versa, or maybe, you know, it's a bigger credit card company that reports to all three so that's why your scores for all three bureaus are typically different, right? So you want to know what's on there, because studies show that about one in five people has at least one error on their credit report, and about 5% have errors serious enough to impact your loan process.
Roland Daniels 21:01
So we really do recommend that you check your credit reports periodically.
Heidi Griffith 21:07
Yeah, and I check, I try and check mine at least quarterly. Yes, I check them at least quarterly. And I go through line by line, even, you know, even name spellings and stuff like that. Because many of us, especially those of us that have hyphenated last names, or for juniors. We talked to somebody the other day who was a junior and had the same birthday as their father. A lot of stuff gets mixed up,
Roland Daniels 21:29
yep, and a lot of the information that's on the credit reports aren't necessarily theirs, which in turn, could have a major impact on their FICO scores.
Heidi Griffith 21:40
So what do we do if we look at our credit report and it's not right? This doesn't make sense to us.
Roland Daniels 21:46
I would say you start with identifying those items on the credit report that isn't yours, right? And so what do we do with that? So now we can start the process of disputing the information. Okay?
Heidi Griffith 21:58
So you can dispute that information. You can so you reach out to the creditor
Roland Daniels 22:03
you can, and they recommend that you do it in writing, by mail, in writing, in writing, because a lot of times, a lot of people will try to dispute it through the services online.
Heidi Griffith 22:14
What's it's a really interesting reason that we really recommend doing it in writing. The first reason is the creditor has 30 days to respond. To respond to it, right?
Roland Daniels 22:24
They have to do an investigation. They
Heidi Griffith 22:26
have to do an investigation. If you do it online, number one, it's in their face immediately, yep. But more than that, you have no proof that they received it. You don't you can actually do it certified mail,
Roland Daniels 22:41
yes and get a return receipt, and get a return receipt. So by law, if they don't investigate the information on those items, they have 30 days. If they don't respond. Within that time, they're supposed to remove those disputed items from your credit report. And this
Heidi Griffith 22:59
is a great because I know I remember back in the early 2000s that was a big thing. People were writing letters on stuff that they really did. Oh, right, they were. They were trying to play a
Roland Daniels 23:08
cycle, yes, send in as many letters as possible. What happens if
Heidi Griffith 23:12
I send in something and the debt is really mine and the creditor doesn't get back? Can it come back on tomorrow? Of course, it can come back. It can, it can. So let's not, let's not try and circumvent because they're keen to it. Yes, they're keen to it. But you know, another thing that I see with people is that, especially if there's some shame behind our credit report, and I want everyone that's listening to understand, if you've had a hiccup in life, the majority of us have had a hit. How good life happens. We can say it a million times. You know, I promise you that we've seen a worse credit report, and we as lenders are not judging you. We're not judging what's on your credit report. We're not judging past things that happened in your life. A, we've seen worse and B, we're here to actually help. We are here to give you the information, whether it be okay, let's take a look at this. We've got a few things that we've got to pay down. Maybe we call this creditor and see if we can work something out. Or maybe it's a situation that we say, hey, let's get you set up with a HUD certified counselor that's going to do some credit counseling with you, that will go through your entire credit report and give you the tools necessary to
Roland Daniels 24:23
start help you improve your credit scores for free, for
Heidi Griffith 24:27
free, for free, because, again, not all credit repair companies are created equal. I agree, unless you know the person and you've done business with them, or someone very close with you has proven that they've done business with them and been successful, that we need to make sure that we're not having people just file letters for us
Roland Daniels 24:48
and charging you those monthly hundreds of dollars and so many because we can use that money towards paying down bills or possibly your closing costs
Heidi Griffith 24:57
Exactly, exactly, and on top of that. That you know if you think that you're going to go it alone, Josie from Nevada housing always tells this great it's not a great story, but it's her story. It's one of those stories that I think makes a big impact. So she waited for years to go to the lender because she had some credit stuff. She's got two disabled kids and a lot of medical bills, right? So she kept trying to pay off all of this medical stuff, and not that you shouldn't pay your bills, because obviously we should all be paying our bills, but she was focusing on the wrong stuff from her credit. And then something in life would happen, and so she would have to stop, and then she'd start again. And the cycle went on and on and on. And what she found was once, she finally made it to the lender, because she was forced to because her lend her landlord was selling where she lived. Yes, she was forced to get to the lender. The lender is like, Oh, wait, hang on, why are we paying this medical? Because right now and when she purchased, paying down medical, we don't pay attention to MediCal. The Medical could impact your credit if it's reported right, but we're not using it when qualifying you detriment to you. And it's not a debt. We don't charge a payment for it, right? So she was paying down the wrong stuff. He said, You know, you got to pay this card down by X dollars, and you've got to pay this off. And boom, within three months, she was a homeowner
Roland Daniels 26:15
right before. She was trying to do it all alone. And she wanted to be perfect. When she saw the lender, she wanted to appear as the perfect we
Heidi Griffith 26:25
all do, obviously. But you know, sometimes paying collections doesn't automatically remove them. In many instances, it doesn't automatically remove them. And some stuff that we could do to our credit could temporarily drop our scores, but then the scores raise again. Like I said, if you did a, you know, a dispute, and it wasn't a real dispute. And sometimes closing accounts can actually hurt our credit score because of credit utilization, right? Yeah, so that's why we always talk about, you know, talking to a professional first, we're at 702-210-2057 again, you can reach out. We're at 702-210-2050 Oh, 2210, 2057, before we get out of here today, as we do every single week, Roland, let's take a few minutes to talk about fair housing. Let's do it Silver State Fair Housing Council is the nonprofit organization right here in Nevada that works to promote fair housing through education and outreach. Their work helps ensure that housing providers are held accountable, and that people actually understand the rights, because we are all protected under fair housing law. We are one of the biggest ways the work happens is through their housing Tester program. You can join in fighting housing discrimination by volunteering to be a housing discrimination tester. Testing is part of their process to monitor the housing market, to identify the nature or extent of discrimination, whether it's in rental properties or purchases, very similar to secret shoppers, testers play a role of home seekers, gathering and documenting information about availability rental rates in terms of residency. Silver State Fair Housing Council trains you and works around your schedule. And testers receive a small stipend for completing their test. Right? They have two online training dates scheduled this month. They've got this upcoming Tuesday, January 13, from one to 4pm online, and then another one later in the month, on Thursday, January 29 from nine to noon. Again, if these dates don't work with you, Silver State will actually work around your schedule and get something scheduled for you specifically. If you have more information, or you'd like to register for a training, you're more than welcome to reach out to us and we'll put you in touch with Silver State Fair Housing Council. Our number again, is 702-210-2057 you can call or text us. We're at 7022102 22102057,
Roland Daniels 28:44
if anything that we've talked about today made you think about your next step, feel free to reach out. You don't need to have everything figured out to start the conversation, because that is the first step. Is just a simple conversation, conversation, and like Heidi said, you can call or text us at 702-210-2057 that's 702-210-2057 thank you for spending part of your Sunday morning with us. We'll be back next Sunday morning at 7:30am right here on KU NV, 91.5 until then, believe in what's possible, even if you've been told that it's out of reach. And remember, stay true to yourself and your mind. Bye, bye. You.
Transcribed by https://otter.ai