Welcome Home with Monique

Kevin Krall 0:00
The content of this program is paid for by Monique Buchanan LLC. The content of this program does not reflect the views or opinions of 91.5 Jazz and more, or the University of Nevada Las Vegas. You see me

Unknown Speaker 0:26
good morning Las Vegas. Thank you for tuning in. I am Monique Buchanan with Deville Realty Group. And this is the welcome home with Monique show. On this show. I'd like to enlighten future homeowners with the home purchasing process as well as the home selling process. So thank you for tuning in. Well, hello hello Las Vegas is Moni Buchanan, the host of the welcome home with Monique show. Hi guys. So you guys know in remember that I went to the game last week? Yes, yes. Yes, I am a Seattle Seahawks fan. But the Raiders won and I'm happy for them. Yay. Yay. Congratulations, Raiders. I have to love the Raiders to you guys. I know. I gotta be on both sides of that coin. Because, you know, in one hand, I'm from Seattle, but I live here. You know, forgive me happy. Congratulations to the Raiders. Anyways, I've got an amazing show for you guys this week. Once again, I've got none other than Miss Audra Stevens. Hi, Audra. Hi. She is one of the lenders that actually has access to the grant program that you hear me speak on every single week. So she's going to actually break down a lot of just I should say, break down the difference between each loan, break down what debt to income ratio, she's, she's going to teach us that's what she's going to do today. Also, she's going to go over not only the grant program that I speak on, but a couple of the other ones that are available to you as well. She'll also speak on jumbo loans bank statements. Now I know you don't know what I'm talking about right now. But Miss Audra is obviously going to break that down for us. So hi, Audra. Hi, Monique. So can you tell my listeners a little bit about who you are? How long you've been in the business? Absolutely.

Unknown Speaker 2:04
So my name is Audra. I've been in the business for about 2025 years, I have my hands in kind of everything, all different facets of it, you know, whether it's mortgage lending, or insurance or, you know, a little bit on the flip real estate side. So I have a lot of information there. And you know, just really, I love helping customers, I love helping them get into home loans. And it makes me happy to help families have so that's why I've been doing it for so long.

Unknown Speaker 2:33
That's right. And that's why we work very well together. So you guys, when you reach out, this is whom I'm going to get you to his Audra. Alright, so we'll have a quick chit chat. And then like I tell you guys all the time, I'll get you with my team. She is the lender that has access to the grant programs, but not just the grant programs she covered like she said, all facets of loan and lending, right?

Unknown Speaker 2:54
Yeah. So I mean, we have we, we have the traditional lending, you know, which is like FHA, VA conventional, then we have the special downpayment assistance programs, which is like, you know, the one that you're talking about me with the Nevada programs here, home as possible, and a few others. And then we also have like all day pop products, which is like, if you can't fit in the box of FHA and conventional, then we'll put you into something else that might be a little bit, you know, it's still a loan, you're still gonna get a house, but might be more specific to what the customer needs, if they're not fitting into that special box,

Unknown Speaker 3:27
right? So you have options for them. So guys, when you guys have been calling me, and you know, hey, we've heard about this grant, listen, she's gonna go over everything that you've got going on within your financial situation, and then you guys will work together to to determine, you know, if the grant will work for you, you've heard me say before, listen, if you've got some savings, maybe your 401k that you can pull from, then maybe you don't need the grant, you know, and and in the long run correctly from wrong Audra they'll save money. If they're, if their credit scores are decent, they will save money because every grant pretty much has a locked in rate. Am I right?

Unknown Speaker 4:02
Yeah. So how it works is like the the grant program, like it'll start with a minimum FICO score that's required in order to get the program, right. Most of them were 640. Right. Okay, so um, so if you're going to work on something, you always want to work on having that credit score, because it doesn't matter if you have $500,000 in the bank, if you have a 600 You're not going to be able to get the grant. But the cool thing about the grant program is we do try and extend it to all people before we have them use their own funds. We're advocates of having people save money right and have them keep that money into their savings account not have to pull it up, pull it out of their 401 K or any any other avenue because to us, them saving that money is a compensating factor. We want to see that they still have money after they just got the keys of their new house.

Unknown Speaker 4:47
Yeah, and that would be great. But with this current market, a lot of them are going to need that money to basically play ball. You know, when you're going up against investors that have a ton of cash. You might have to pull from your 401 K if you truly want the home Right. So that's what I'm saying, utilize these grants that we have available, so that you will have that buying power through the savings and be able to play ball because like I said, yesterday, I was putting in an offer for actually our clients. I'm currently lations to the gulags. Oh, hey, so Audra got them approved, and they're so happy, we're out looking right now for their next, you know, home. Anyways, we were going to put an offer in one of the properties. And I had a chit chat with the listing agent, you know, and put them on speaker so they could hear. And sure enough, he said, You know, I have multiple offers, and I'm just gonna be honest with you. One of them is over $10,000 over list price. So they got to hear that, you know, and that's what I do. A lot of times, I'll put it on speaker so they can hear, hey, I'm not just saying it, this is really what's going on. Yeah. So you know, luckily, they can utilize this grant and have that they already have the savings, they can go ahead if they really want that property and use that 10,000 to go up against the other buyer. Yeah, it's

Unknown Speaker 5:53
definitely a good bargaining tool to have the money in there in the bank. Because, you know, like, like you just said, Some people were like, well, I'll give you 5000 Over list. And I'll give you 10,000 Over list. And hopefully, I mean, it's, you know, not everybody can go to bat with that. But if you have a little bit of that cushion in there, then, you know, you might beat out that other client. Absolutely.

Unknown Speaker 6:10
Well, we were helping them to have that cushion with this grant, you know, by you offering them the grant, they can either use it or not, it doesn't matter, but at least they have it as an option. Yeah.

Unknown Speaker 6:22
And I mean, the Bullock's, like, for example, like rather than taking all their money out of their 401k. There, we're giving them the entire down payment, which was like $12,500 and 1.5%. towards your closing costs, right?

Unknown Speaker 6:35
Because that grant offers two options. 3.5%, which is just your down, or you can do the 5%, like you said, and it'll cover half of your closing. Right. So I mean, I don't know another grant that does that. Do you

Unknown Speaker 6:46
know, actually, I don't Well, I mean, there's other programs, you know, that have like a little bit more money, let's say like, you'll you might have program over here that with a girl will give you 20,000. But in order to get that 20 In the end, they they'll say they'll tell you like where you can use it, you can't use it towards closing costs, you can only use it towards down payment, which means that customer that's great for using it for the down payment, but how are they going to pay for their closing costs, right? And closing costs, on average are like $5,000. Right? Right. So you know, I mean, if you're telling a person like, here's 20,000, but you can only use it in this one way. Sometimes it doesn't still help the client so that's why this program is so awesome because they really have figured out how to cover the downpayment as well as the closing costs, which is a lot of money.

Unknown Speaker 7:30
Right? And it can make it can either you know it can make or break you. If you're just tuning in. This is Monique Buchanan with the welcome home with Monique show. I've got MS. Audra Stephens on with me today. And we were just going over some grant programs that are available to you my information if this interests you is 702984 3700. Again, 702984 3700. My website is welcome home with monique.com. Okay, so let's jump back into this. Let's do this. Let's go ahead and explain. First and foremost, the difference between an FHA loan, conventional loan, VA loan, and also what does it mean when we tell them debt to income ratio?

Unknown Speaker 8:09
Well, we'll start with the easiest one to explain, which is VA, okay, okay. And the reason why it's easiest to explain is because the only people that are eligible for that product, you have to be a veteran, okay, whether you're active duty or discharged, you're eligible for that product

Unknown Speaker 8:26
or a surviving spouse.

Unknown Speaker 8:28
Not all the time. So that's something that's changing with the VA. So we encourage if you are surviving spouse, um, you think you have benefits, please contact a lender first. Because

Unknown Speaker 8:39
I think you have to, I think that the spouse, you have to be married at the time of demise. There's

Unknown Speaker 8:43
a lot, there's a lot that goes into it, and they've been taken someone to find out for them. Absolutely. So what I always say is, I call me first, let me order the certificate of eligibility for you. And then once I get that, and it says that you've got the money to use, then the entitlement, then I'm like, Okay, we're golden.

Unknown Speaker 8:59
Yeah. Because a lot of people don't even know where to get that information or where to start. So don't

Unknown Speaker 9:03
you don't and it's not like it's, you know, on the internet, like, it's very confusing on the internet, but you're not really sure.

Unknown Speaker 9:08
So you're their source. So if you're wondering, Am I will I be eligible as a surviving spouse? Miss Audra Stevens can help you with that. Yeah, absolutely.

Unknown Speaker 9:16
So VA, it's an awesome program. You know, there's there's no downpayment and there's no mortgage insurance. So those are the two biggest factors. And then also, they have excellent rates. Right now, if you're not eligible for that program. There are two other programs, which is FHA and conventional. FHA is a great loan, and so is conventional. But there's a few differences between each of those. So FHA has a maximum lip limit on it. So you can only buy so much of a house with using an FHA program. So if you're looking for something that's like 500,000, then you're going to have to go with conventional. Okay? Now FHA, the rates are typically a little bit less Then conventional rates, they will also go as low as like 640s, even 620s, and six hundreds, we personally only our benchmark is 640 on all loans except the through round up the grant, right, that one will go down to 620. But anyways, for FHA, the benefits to it is very low downpayment, only three and a half percent, your, your interest rate is really low, and your mortgage insurance factor is quite low. It's, it's point eight, five on any given loan, here's some downfalls to FHA. A lot of people will you have that mortgage insurance in there. But if you you could be you could have like 50% equity in the house, but that mortgage insurance is never going away on an FHA home loan. A lot of people don't understand that. But we can always refinance you out of an FHA into a conventional and then dropped in mortgage insurance that way. So

Unknown Speaker 10:55
basically, guys, what she's saying is listen, whenever you don't put 20% down on a property, you're going to be stuck with what's called what she's speaking on, which is the mortgage insurance. Typically, I mean, it can range, but normally, it's like, what 150 To 250 Extra, but of course, that's just you know, so here's the thing, she's saying, if you are an FHA buyer, if you have an FHA loan, the only way you can get rid of that, even if your house hits the 20% equity mark, you still have to do a refi. But with conventional, like I've been telling you guys about my brand new homebuyers have been hitting 20% equity by the time I give them keys. So they're able to turn right back around, pay $500 to the appraiser and get that mortgage insurance premium removed off of their loan, because they hid it either you got to put it down initially, or your home has to hit 20% equity. Am I right? Absolutely.

Unknown Speaker 11:42
Right, that's like perfect. And it is easy to get the mortgage insurance off there. As long as you're the bank that you went through as a cooperative for that. There's no reason why they shouldn't be, you know, so like she said, just, you know, money, just get an appraisal. That's what the conventional loan? Well, yeah, but that's the only one that you could drop the mortgage insurance on premium. Yeah,

Unknown Speaker 12:02
yeah, that's what you were saying. If you have FHA, you'll never get it

Unknown Speaker 12:06
off, no matter how many appraisals you order, right, right. Right.

Unknown Speaker 12:09
So another thing is, she is your refi girl. So just know that as well Audra can cover you on all that, like she said, flip homes tell us a little bit about your flipping,

Unknown Speaker 12:18
the flipping is more of a hobby, okay. But it's basically something that I love to do, you know, I acquire property or I look to find a property that looks like a little distressed that a lot of people are passing up, just because it's not cosmetically, you know, appealing to them. And I try and look at the the bones, you know, of the building and see what I can do with it. And then I acquire the property I go in, sometimes I demo wall, sometimes I just hate them, sometimes I you know, but I love being creative, and like, finding something that I think someone else is going to like, and then I put my own little touch on it and then turn around and sell it.

Unknown Speaker 12:54
And speaking of flips, you know, we were discussing before I came on the show that they you know, you can't use any of these programs, you know, to flip properties or to invest in the grant programs. Yeah,

Unknown Speaker 13:05
that's right. The programs that are designed, they're they're, they're designed for people to become homeowners, right, you know, not like turn around and like sell it to somebody else. They want you to live there. They want to make our city better their community reinvestment acts. That's what they're there for.

Unknown Speaker 13:20
And if you're just tuning in, and you want more information about what we're speaking on, which are the downpayment assistance grants that are available here in Nevada, my information is 702984 3700 702984 3700. My website is welcome home with Monique and Miss Audra was just telling us about these grants. Now you can't use them for investment or flips. But you do not have to be a first time homebuyer as well. So in other words, if you have a property, and maybe you want to upgrade, you can simply rent that property out right or sell it and go ahead and upgrade the property. You do what you've been doing a lot of refi is for people pulling out equity and upgrading. Yeah, a

Unknown Speaker 14:00
lot of people are pulling up the equity in the house because you know, rates are at all time lows and values are at all time highs. So people are able to stay in their property, pull it out, fix it up and sometimes they put it on the market and sometimes they stay there Yeah, but But yeah, there's a lot of rehabs going on right like REIT you know, fixing their houses up and everything

Unknown Speaker 14:20
and that makes complete sense because you know, a lot of clients are like, well, if I sell where am I gonna go so expensive out there right now, which is true. So like she said, you can also pull out into a refi and take that money to maybe modernize your home. So that's really a good option. Another thing I want to kind of touch on was basically just go over the difference now there's two main grants. My favorite you guys hear me talk about all the time, which is the 600 credit score. With these I think 54% debt to income. We didn't go over debt to income. So yeah, basically just I'm gonna say real quick what it kind of is, you know, it's basically what you got coming in what you got going out Okay, and that determines your debt to income. So Miss Audra is gonna say, Okay, you make, I don't know, 7000 a month, but you're paying 3500 of it, you know, in bills. So your debt to income is 5050. Right?

Unknown Speaker 15:14
It's 50%. Yep, there

Unknown Speaker 15:15
you go. So when we talk about the debt to income, that's the requirement for each grant is different. So after you reach out, Miss Audra can direct you on which grant will you know, fit your financial needs appropriately? Right. Yeah,

Unknown Speaker 15:28
that's right.

Unknown Speaker 15:29
So if you're just tuning in, we are we were just discussing some grants, once again, that are available here in Nevada. If you won't want more information, that number is 702984 3700 702984 3700. Well, you guys know that I do this show every week, I try to get you as much information about what's going on in our market that I possibly can. Miss Audra is on with me today trying to do the same. And that's what her passion is for what she does. But let me tell you guys, I've got friends and family calling me you know, should I buy? Should I buy? Is there gonna? What do you think about that question? Is there going to be a big bubble? You went through the bubble? Yeah,

Unknown Speaker 16:04
I did. And, you know, I mean, as a lender, you know, I do encourage people to buy because I know, I know, like, you know, owning your own home, the tax savings that you get at the end of the year. I mean, just like pride of ownership. And like, you know, not I don't know, I'm, I'm such an advocate for homeownership create

Unknown Speaker 16:22
wealth for your family through equity. You don't create anything when you're renting, right.

Unknown Speaker 16:27
And it's a long term investment, and you need shelter. So it's like, you know, buckle down, and, you know, and get home. That's

Unknown Speaker 16:33
absolutely true. You know, and so that's my thing, you guys, we've got people that call us I'm sure Audra can say the same. People call you and say, hey, they put 30 days notice on my on my door, you know, I've got 30 days to move because the seller is you know, he's he's gonna sell because obviously right now he's gonna make more than he could have what in the last seven, eight years? Yeah. On his property.

Unknown Speaker 16:54
It's such an unfortunate thing right now for renters, I do feel bad for them. But you know, it's, it's an if you if you own the home, then you wouldn't have that issue. And eventually, one of these days, you're, you know, you should become a homeowner. So you don't have to worry about it. That's right.

Unknown Speaker 17:12
That's right. And so that's the thing you guys. When you become a homeowner, home owner, you are putting that that wealth back into your own family. Like I told you guys, I bought my house with three, three years ago, four years ago, I'm sitting on over 150,000 of an equity. Most everybody that's that I've sold homes to in the last year, are sitting on at least 60 70,000, if not more, right. So if they had they rented, not only would they have not made a penny, but they would be facing the rental what I call crisis right now, which is, unfortunately, all these renters are, you know, trying to rent there, they're expecting and requiring a much higher credit score than ever before. I had a client called me yesterday. She said, Monique, you know, I got the 30 day notice once again, she said, You know, I need to rent? I said, Okay, great. I can, you know, get you with one of my rental agents, but what's your credit score? Well, she said, Well, you know, I think it's about 620. Well, honey, they're requiring in many cases, 640 and higher just to rent. So I called the property that she was interested in just to check. The lady said, listen, we're not taking anybody that doesn't have at least a 640 credit score, two and a half times the the rent, which wasn't bad, because a lot of people are asking for three. Yeah. And also, she can have no collections at all, besides medical or student loans. We will not approve her per her rental application. I

Unknown Speaker 18:30
don't know where they're coming up with this stuff. I mean, even you know, even to buy a house, it's not that hard. So like, what, where are the requirements coming from? And who's monitoring them? I mean, a lot of it, you know, it gets a little Yeah, I mean, they're charging and they're charging people like to hundreds of $100 here $100 or less, just tell you, please, I don't know, I don't know who's regulating. Right. So

Unknown Speaker 18:52
rental agents, if you're listening, as a matter of fact, you know, I don't do rentals personally. But even back when I first got my license, and I did take the time to call these people first before you let your client pay that fee. You know, don't let them just keep paying all these, you know, application fees, when you can make a quick phone call and find out what those requirements are. But anyways, I'm going off on a tangent now. But anyway, so that's my point, you guys like Audra said, Listen, it's almost easier to go through the, the process of trying to find out if the auditor can approve you for a home loan, you know,

Unknown Speaker 19:23
at least you're going to know your credit score. You know, if you can't get approved for the home loan, I'm going to tell you what your credit score is. And I can also help you maybe do like run a report where can do Wayfinder help you give you some direction on how to increase it and if not, then send you back to Monique and she's got someone who can help you fix your credit. So, you know, it's not just like just because you can't buy right now doesn't mean you can never be a

Unknown Speaker 19:44
homeowner you know, it's never know it might be not right now, but it's never know. And like Audra said she'll give you a roadmap. This is free. Okay, guys, she's not charging you. She's gonna help you get there with a roadmap. You know what? You're not ready right now. Sir, Ma'am, but this is what you can do. Oh, and we can revisit this in three months and see if we can go ahead and get you approved. Right? And when she said credit score, guess what, guys? She's talking about a FICO. That is what she has to use as a mortgage lender. A lot of people call me and they say, Yeah, I looked on Credit Karma. And my score is 680. Well, I hate to have to tell them. But you know what, that's a vantage score. That's not what we use in the real estate world, we use a FICO. So if you're listening, what you want to do is jump on your bank, a lot of the banks will give you your free FICO once a month, through your mobile app or your credit cards, a lot of times, they'll give you your free FICO score once a month. So that'll give you some idea of where you're at. But anyways, if you have your own money saved, what do they need to go ahead and get approved through FHA, if they already have savings of the three and a 3.5%, it's really

Unknown Speaker 20:47
pretty easy, honestly, like, You got to have at least a 640 FICO score, okay. You need to have a job for at least two years, you need to be employed for two years, you got to show that employment on paper, everything has to be verified. So if you're working under the table, it's you won't, it won't work, right. But if you're going to your job every day, and you're getting paychecks every week, like great, so you got it. And then after that, you gotta have a little bit of savings. You know, maybe to cover the incidentals like an appraisal and home inspection.

Unknown Speaker 21:20
I typically tell them at least $2,000 Because in

Unknown Speaker 21:23
nowadays with earnest Yeah, they're not going that earnest. Yeah, their earnest is like 3000 now, right? Minimum, so you gotta have at least that flexible so that you can save that house if you find the one. Right,

Unknown Speaker 21:34
right. Right. Yeah. So that's so true. You have to have some savings, at least get started before we can go out there and, like, actually look at the properties because if you see something you have to be able to pull the trigger. Yeah, you know, so yeah. So once again, guys, if you're just joining us, I've got Miss Audra on the on the show today. She's a mortgage lender for over 20 years, you guys. So she's trying to share as much as she can with you now. But if you miss something, or you have questions, you know, you just want to run a situation by her. I can connect you with her. My number is 702984 3700 702984 3700. Welcome home with monique.com. So let's jump back into it. We were talking about rentals, you know, and I, you know, if you're thinking about renting, I say, Hey, let me get you with Audra. First, let's see what she can do, you know, because it's going to be the same process. When you're renting, you have to let them run your credit. They have to run your credit.

Unknown Speaker 22:27
And you got to have their first and last downpayment or your first and last month's rent anyways. And that could be if it's $2,000. That's 4000. Right there. Right? So if you have $4,000, you may be able to purchase. Yeah, exactly. I

Unknown Speaker 22:38
always gave them the example of $300,000 purchase using the grant program. Okay, that the 5% 19,500 is what you would have to come out of your pocket, if you do not use the grant program. If you use a grant program, it's only going to be about 4500. Because it's taken care of your down is taken care of half of your closing costs. That leaves you with around $4,500. Well, guess what? You're about to spend that or more on trying to rent a property.

Unknown Speaker 23:04
Right? That's right. Yeah. And it could, it could actually

Unknown Speaker 23:07
be less, right. It could be less, but I like to tell them hi, I agree. I may love us. Yeah,

Unknown Speaker 23:13
like over what is it over promise or under promise over? Deliver?

Unknown Speaker 23:18
So yeah, guys, so this is really happening. Me and Miss Audra have closing many deals and blessing many families using this grant program. And without using the grant program, she's going to tell you which one will fit your needs the best, you know, she's very, very good at explaining every option. Okay, that's why I love working with Miss Audra. Because clients come they know what they're getting. They know what their payment is. They know what they can expect to bring to the table. And just so you know, you don't brain whatever that amount is till the end of the deal. Okay, so you have a little time there. Maybe you have to pull some money out of wherever, you know, you can get money from family and friends. Yep. But there's a process they have to sign a letter, right? Yeah,

Unknown Speaker 23:57
they have to sign a letter we asked like if you if you don't have the funds yourself, you know, and you may need some assistance from family or friends. We do have a process. So we want to walk you through that. Right? Because, you know, it's just, you know, you gotta sign some papers, you got to know who you're

Unknown Speaker 24:11
getting. Yeah, of course. So and then another thing we were talking about was I used to be in the in the industry, in the food and beverage industry here in the Valley for many years. And we may tips, a lot of tips. That's what we make. You know, Vegas is known for making tips. Well, you know, it's like a catch 22 Because, you know, at the end of the day, I would only make like 22,000 on paper. But maybe I made a lot more than that. You know because of the tips. Well, it's for all my tip friends that are listening all my bartenders cocktail, waitresses who whoever makes tip waitresses, there is a way that you can, you know, go ahead and get it home that you want. Because me, you know being a cocktail waitress at the time, I had, you know, expensive taste and I wanted a really nice house. But I would only get approved for like 100,000 because it showed so little on paper. So what you You can do and Ms. Archer is going to tell you is deposit those tips into your bank account for how long?

Unknown Speaker 25:05
Well, there are, there are several programs. So some of them are 12 month banks, Bank Statement programs, some are even less, okay, you know, the obviously, the less time that you're saving the money, you know, you can have a little bit higher rate, because it's a little bit more risk, right. But there's something that you can do if you have a lot of time, you could file your tips on your tax returns, oh, there you go. And then he and we need two years filed tax returns. So if you're doing that for two years in a row, then you know, you don't have to worry about that bank statement program. So you can get into a traditional FHA or grant program, right.

Unknown Speaker 25:39
But if you didn't want to do that, you could always like you said, just do the bank deposits. And like I told my best friend, I said, Listen, just deposit the money. And if you want to pull it right back out of your deposit, that's fine. Archer just needs to see that a hits. You know, it just needs to hit that account. So you can see that she's making that money, correct?

Unknown Speaker 25:58
Yes, I mean, yeah.

Unknown Speaker 26:06
Of course, I'm I don't want to say and pull it all out. Okay. I'm just putting fires out

Unknown Speaker 26:11
4900 out tomorrow.

Unknown Speaker 26:13
Probably wouldn't look good. Got some not all of it, you guys, but you can definitely deposit it. And if you need to use it, obviously you can pull some up really what

Unknown Speaker 26:21
we're looking for is a history. So we want to see like paper, a history. So if you're constantly deposit you make $2,000 a week, one of your friends to make 2000 a week, right when she was making and she's just depositing you know, she's got to put the money somewhere, right? So she just pauses in the bank. And we look at that and go okay, now this doesn't make sense loan because we can see that this is how she gets paid.

Unknown Speaker 26:41
Right? Absolutely. Yeah. So all my mattress money people out there.

Unknown Speaker 26:45
Put it in the bank and make it consistent. Yeah, there you go. You gotta

Unknown Speaker 26:48
put that money in the bank, you guys. So anyways, so there's so many different ways that you can come to own a home and become a home owner. And that's what we're here for. Right Audra. Absolutely. And you know, listen, we want to thank you for coming on the show today. I want to thank you for coming on the show today. Oh, thanks, man. Yeah, and just being part of the team, you know, I would represent you or one of my team would represent you as a realtor. And you've got Miss Audra and a couple more lenders that are on the team that have complete knowledge of this program. And like I said, not just this program, but but all the loan programs that are available to you for whatever your financial needs are right Audra. That's right. Well, guys, we thank you for listening to the show. And thank you Miss Audra. Once again.

Unknown Speaker 27:30
Thank you, Mooney. Pleasure.

Unknown Speaker 27:33
And we hope to hear from you guys soon. Once again. You guys have a blessed weekend.

Unknown Speaker 27:45
Thank you so much for tuning in to welcome home with Monique and I look forward to you listening next Saturday 8am My Nevada real estate division license number is S 178846. Be blessed. See you next week.

Transcribed by https://otter.ai