We are in the air between now and 12 o'clock and we're talking. Images efficiency indoor air quality voice for problems repairs. In addition to I'm throw it into the pot and also talk a vote. Financial instruments because I'm actually on remote they are not in the studio on remote and in Vanderbilt a brothel Hartley won anywhere right wing Stein mortgage. And if you're from with a mental barrier on 190 were. Right near the Walgreens. Near the post office run across the street from the 1980s or formally known entities if you haven't heard. The or remodeling so by the coast on EST but listen super restaurant you know where it's that. The strokes and shove it knew how to cook and they've come to North Shore and the lessons for great food but we're right across the street from that we're doing Stein mortgage. Beautiful building I love this site it's inching into the future into the subdivision reverend yet to that. As have you been here for a long time that you settling nuked into Louis are position so. That being said I want inches I guess Dwyane welcome to the show. In. Listen I want structure your web bus that you Wear that dress because what the name its mortgage gumbo Beckham. It you know of course local meaning gumbo certainly has lots of history. The country Chenault of mortgage. Instruments that are out there I mean you can throw open upon whatever you want whatever you need it's now available. Yet as to kind of talk about four point guidelines appear on mean. That the programs that are available right now to every type of home owner these days every consumer out there. There's just a vast range and it's really just fantastic I mean. We want to put you in home so whether year credit challenged whether there's just. You're not sure maybe you wanna refinance or do some different things like that. We have the programs that are set for you we take pride that and the big thing that we do. It is like this that we offer credit repair services Paul we also. We're we take pride that we're close on loans and fifteen days it's fast and today's market. 51 days is the average right now clothes alone and we're the fifteenth so why anybody would take care take 51 days to do what we're doing at fifteen news is sort cores at its follow brokers. You're right I've heard folks it. Wait for over a month month and a half who was closed mostly under the mortgage companies changed little bit there in changing that much. But it been fifteen days it's very impressive yeah alone is still alone either qualify you don't write so it should take that all week we've we know within 48 hours we do what's called a pre approval process all aware. We do is we review all documents that we actually on to write the file. So within two days of me speaking to you. We keep you basically we turn your application in two cache your vertical make an offer because we give a pre approval. Not pre qualification like most of the lenders do out there and that's awful because if you're in the market you look for a house in an accurate yet which you on board with forty dollars. You know audience connects to shop we let you know exactly what you buying power is because it's so of course you can elect to mark 50000 dollar house. When you can only four part fifty so let's not even go get ourselves excited about that before. And that's a that's an excellent point. I've taught those we wearing medical won any but you have some local cases which is that the yet we sure do we we're also in Metairie on came in street where we're right there which is a popular place will be out there all week if you want combines where food could. It's more crises so get there early and then you'll be locked in but it's one block pass home. And we're right across from the all osment notes notes to goodwill so memo. You know prospect that ran and got a little seasoning would ramble off the sport right so. It's right across from there with god and and we're always looking at some new locations so we've we've got a couple things at work as we continue to grow. We want to make sure that we're at that much born in everybody's neighborhood weekend. That's fantastic heartless and would go to brief commercial Britain to come back but we're asking questions as as as well is talking back and forth with Wayne. So what we keep the phone roberts' case you forgot some height to get it because it set all the time. It's 260187. In its font 04260187. Will be right back after this don't go anywhere. Welcome back to the home from show me your own remote today we're doing Stein mortgage in the me into the office one how we won irony. Right near the wal greens the post office though if if you permit with the area you know this is a beautiful piece of town area now. And this is phenomenal office of love your office here at Wayne. Problem let's go to the phones and ask ask what's he can answer a couple questions hey Chris good morning welcome to the show are you tonight. Morning fine thank you I'll keep it brief phone calls about. My windows is an older halts the glass is single pane drafting and the biggest problem right me up a wall at all the noise from the outside you can hear the urge you mentioned something briefly last week but magnet type or back in the late in the looking for some answers. Met its height met the tight windows and what's nice but the next thing windows it's it's perfect for war. It would application like you have an older windows single pane it helps with the sale transmission. It also helps with air leaks it if they're cut in the key depends if they're the old wood windows or are at loomed when yes. So it it it really. It works very very well in fact. That the the first time I saw this product many many years ago. It was at a home show and don't know what do I think about the ounces while conscious could you could see a lot of new things. Is this person and a stereo wants out of a box. And the box itself with Sam proved when the very top the box was a Mac the tight window insert. And he hit it stereo full blast turn up as wild as the volume while. And you could hardly hear when you lifted up the neck tight glass. Mean you'd do is boon this album so this continuation. In news from all problem. It's problem that's my business yeah it is and I want to replace mother or reserve usually in search. That's what I don't. It's actually out on the inside of you windows so you don't remove or replace your existing window. Are held in place by magnets around the perimeter of the glass eye of the that you insert. And is actually glass that's so it's a little plastic so Polly. But the the real pretty daylight today if you want to open new windows that this takes a real quick moment to. Remove that insert because it's on the about magnets allowed should open and closed when that the way you want. You put right back and in his spot when you're done with it. And it function very well. Yeah. Custom made so they'll come out to you're home and that will cost to make a insert that figure. Your windows are able about what it called for. Yeah actually go do it Google search for a for Mac and tight windows. And you could find the did you view it it's and it's a franchise and national franchise IC UST there's a local rep which he's he's in Baton Rouge is the closest one. And I'm morrow and I made changes but lost some of the web site. See our own. Compared to when the replacement. They buy it is as expensive look less or more. They're about the same as a window replacement but what art. My caution about window replacements. It is you wanna fine you really good company to replace your windows. And you've heard mark commercials I promote go pro for that. Because. Just any company comes in Rupp moves and replace you window. You're actually affecting the water and air. It control layers around that window getting into your home or Q business so it's up to be of concern. I would let that go with the answers because of what is and so the but the pain there's single pane but they. Actual what part in Cyprus and the like last forever song Bo wants them they say. Agreed. I think I'm when it agency magna magna type or back in the light. Tight CIT tight. CIT. I will do that object and I thank you so much for your time at your help I appreciate it. Are you are welcome thank you for Colin to show evident that all of you to say. Let's move onto our next call and speak with Bob hey Bob good morning welcome to show what can we help you today. About two years ago whatever shall build in the contract that used. Porcelain tiles and he talks see the growth had the same tile floor in the bathroom floor also. And it be toxic growth male I have no problem with the bear true we'll put. The growth constantly. Is mold and mildew ordered in the child or. And we used to lead should and Tyler and I just can't get the growth. Going now one thing that would grow. But Kyle's current practice that was excellent tiles and he toxic growth. Doesn't have to be sealed so. It's never been sealed so would outlook by asking you one soak. Industrial type product that I can use to get his growth clean. And in a sealant that shocking news or in the show that though would also. Put on the war if you could give me. Suggestions on to products like. So let me talk about the parking use in the clean the organic growth pummeled. Bleached and Alex. Don't war. It's her clean. You think you've killed it but you really haven't actually turn clear it doesn't actually get down to the roots of of of animals born killer in in on the title the supplier problem you kind of explain this the scenario. Most sports almost like a flower that blossoms so that the flowers open. You spray concentration high countries and bleach on it and as a defensive mechanism and a trip closes the blossom to protect. The the roots in the Stam from you in the chemical and killing it. And it just doesn't work in not to mention. If it doesn't have a atomic Croat rule it's not particularly anyway and traditional household leeches do not have that atomic room. So on which you won't tool web site is best living systems that it's best. Living systems. Dot com all one word. And you can actually finally DePaul cells in all cells dot com I'm gonna suggest ships that go to Paul cells that com. Go to the epilogue in you can search the block is back in March and August when we had the flooding here in the North Shore the vendors region. Up a lot of blog postings on how to root mediate do yourself steps are you re mediate mole. Organic growth so although you're you're applying that to just a short period but the principles and products stool law. And you'll see only the best living systems you know Scioscia recommendations. For the products we use from that website is to be two products it's it's. It's. Inside magic and also. Why him back shield of program. Backs unit in CNET so both those products I would use for both in the war for outdoor use for removing. We'll get growth d.s or small bottles of concentrates to go along to all of you want. But in your such project you probably the small bottles and concentrates and followed their mixing directions. And it will remove the organic growth and also. The backs you out as some additional protection to it too slow down the growth of that again now. When a man that your expectations. Because your shower area you know lots of moisture source. Animals grow back so this is something you have to do every so often. Is something awesome as you can do is to use your best exhausted and how to get rid of the moisture at the source. You wanna close at bathroom to work turned exhaust fan on. Take a shower. In an even after that shower about who's been turned off you wanna contain use that that exhaust and from the fifteen to twenty minutes from the moisture from the space. You may also want pickles mole you know squeaky. And leave it with you in the shower in squeak on the oh in the shower enclosed in glass the war because the ball wore off those services into detail to the war. Which eventually moved to the dream. To remove that water as quickly as promptly as possible. Now that being said. Can agree with the contractor installed two years ago you don't need this sealed Epoch to grow. That that's when it benefits part is you need to steal. But if you if you wanna sue which I've never done but if you wanna Selig you can actually does go to the Florence to work in giddy grout sealer. I have never steal porcelain tile you could and and I I don't know what you could see you closely now with. There will be a good question for the supply house. That sells ward for the course. Our. Welcome news I appreciate code if you have a question we axis to spot in the fold system if you question vote on repairs. Improvements in your efficiency mortgages it's its own table today that phone numbers Bob 046018. Stephanie. 2601. Aide Sidney what you can assess the Texas heat 7870. And what works what to do a teaser here Dwayne don't talk about what's happening rates because people were watching. The Federal Reserve making some adjustments right sure and and there Warner it was a good mean to me because our review once this conversation to carry over. Our next segment but let's salute given instruction to break watch. Yeah rate breaks really well what they're doing right now especially since the election have just absolutely skyrocketed. Rates are all over the place they are trending upward right now. Just basically because. They had a reason to rates were not gonna move over the last year year and a half when defense had opportunities to do so win. On employment which supposedly if you don't use the policy map. At growing. So. When you have an election year there's no way in the world the Fed was gonna comment so raising rates right right once that election that took place while all of a sudden since then you've just seen. Richest. Go up tremendously we're almost up. A full point. Since the beginning of November so that's that's just a tremendous part so. The biggest thing and I'm heaven and an op got some data here to go back up when we continue to discussion but. Wanted to thinks that I'm having. Clients have to understand is. You missed about. You missed the all time lows right you know a lot of clients right now which is having issues gone well hey I want it 3.3 five will that was back in July. Sure today it's seat you know today you're looking at four point 254 point 35 dependent on type alone so. Rates or something medical on all over the place when you look at the ten year treasury bonds all those things that affect mortgage rates of a technical mumbo Jumbo to make inert. Those are the things that. That affect all that stuff but. They're they're something they're they're trending in in a direction that unfortunately we don't like however I think we need to have because. Listen outside of mortgage rates when you're starting out bank account to make more than point 0001. Mr. right that's what affects all of us we need to have money to spend that's how we're gonna be able to buy mortgages so. It's all big thing bit so rate factor will the Fed every decision they make. It's more towards the banking side and really what affects the interest rates when we come back out. For the local news I wanted list take this to the next step which are really you wanna start. Helping your customers in the listeners out there at that as saying if you have a balloon payment that's coming up over the next period of time. This means you and your radar because rates are trending upward so we took our local news from we cunning to be right back after this. Take you to certain contact numbers we have 12 spots on the phone model available for you to call and and ask your question lives that numbers 2601 it's happening. We York on remote they were in man to do with two wings on mortgage. I love his website address its mortgage gumbo dot com. We could be talking and we in if you just tuning in we've we talk a little bit. In and out of vote financial instruments related to a residential. It could be for new construction renovations additions. Refi is it it's it's all open for discussion. In the wing and is the answers to your questions so few of mortgage questions by all means. Bill has state call in the numbers 26018. Stephanie. And we would love to answer those questions as well as the home from questions were still entering those. So if you have those type questions like we normally that would address here on the home proved so by all means go ahead and give us a call for that. If you or in the interview you wanna stop by and ask your question face to face you can do that limit that you where we your one how we won ninety. We're in man to bill we're right adjacent TP Walgreens which is adjacent to the post office. Soviet if you been here for very long time you know exactly what a post offices. And that Walgreens has been there for a few years as well who we ancients who put gardens so official right on the corner right across the street small means you can see it. Beautiful area come by in signal for equities had someone commodities a few moments ago while the news break asking their question. So right before the break between you and I were talking about watching what's happening with the trends of interest rates here. And early long before we start to show you an hour talk about was if you view the balloon payment that's really can right now. Happened this is something you wanna be aware of so coach is a little bit educators. Yes so the balloon payments com poll in which caught he block or home equity line of credit. When we had Katrina. Well we have you know these errors we were rebuilt of these areas those little were very very popular whether they were in a form of an SBA loan or just a second mortgage so. When people to a second mortgage these banks now do what's called a he lock which it's an adjustable rate. And normally it's set on a fixed term of five to ten years well. You're looking at between 2015. To 2001. In. It's over thirty billion dollars and he blocks around there so that's a lot of numbers and a lot of equity that is coming back around to turn over its gonna turn over so that's a little bit frightening. As we sit today when you look at affordability and in mortgages and values of homes. That's great because we are peeked out we orient Thai Europe the value of everybody's house that's listening right now it's high that it's ever been in their whole life so. That's why right now we're talking we're seeing so much so much stress being put on. It's time to flip over to get rid of these adjustable rate mortgages at least he locks because. As we talked about. Rates are going up so if you pull out I really challenge you if you do anything today after you finish listen to the show go find that go find that no. In read those terms and see witnessed things coming due because when it comes do it is just like you said it's a balloon payment. And or so that means you either got to pay that balance off which. You know do you have it I don't know if that unit price paid off by now or you've got to go by whatever those terms all our. So on average they he lacks that we've been doing. On average the payment is going to increase by 350. Dollars Amal. While a woman so that's almost like having gone by a Clark tomorrow that you don't get to use right right so. Those are things that really people have to understand. That's where Miette as a mortgage lender. I'm concerned about the future because as these things ought to come back. What's going to happen here right as rates go up home by we're probably looking at I'm I'm predicting probably June of this year. We're gonna start to see a trend where were we gonna the government gonna Kamal buyer's market. Seller several owned that market for several years now selling at peaks. As this thoughts to level allow one narrow values may start to trend down will be it would becomes a buyer's market as veterans down. Those opportunities to refining that he lock. Wanted to be there yeah and that's where we can have issues so we say this because I've actually tell myself do this is you know we're we're. We're five to ten years away from we signed that that note originally right and we may not exactly remember way at the balloon data that's who Olbermann named completely understand all the terms correct I mean. It at the time he's gonna get something Sunday gonna keep moving through project YouTube back in your home. Or you got to move forward to renovation. And inhumane that the full attention as much as we should too that note. So I'm gonna encouraging in this is actually going to vice I think it's excellent advice. Yeah Google Corretja closing documents and you reading review it if you don't know what they say if you don't understand it which again is not a common don't feel that you can understand the jargon. Of them or the mortgage industry. Contact point because he will coach you and tell you. This is what you should be considering these are your options and we all need to make an informed decision don't go all the way home. Take the time get educated you coached absolutely had to make an informed decision and they got some people listen I don't do it breaks a trend it but he still excellent rates jealous enough. Off four point 251 or is not a bad rate I mean historically we're still. Are we at all time lows no but we're still within 1% of where all time lows worst schools we're not a bad spot we're not at the 15% we weren't seventies or. The 9% back in early ninety's in 2000 so everybody has to understand that's why it's better. Get it. Combining dual fixed payment with one note at four and a half percent as opposed to a you have got my 3.2 five and you get this he liked Paul what's about to come due that's right. That's going to be yet it basically if you put it to numbers 101112%. I mean when you saw a figure out so and that. Very very it totally much like you set a lot analyses like pain for court. You've been the benefitted views absolutely that's a great analogy okay it would go to commercial break who come back we've story actually some questions on pharmacy Jack and Debbie or hold. Don't go anywhere folks we've got a lot more home from shows left to go here on the big gates and it will be right back after this. Welcome back to the home from show we you're actually on remote they were in man to bill we had to doing Stein mortgage company it taught how we won ninety in meant to bill. Right near the Walgreens and the post office come I'd say hello you have questions when smokers by all means that this is a great time to come and has questions. Ring you're you're closing documents with you if you have questions in you can get some coaching because you know. Twain's the Persian news. What's happening and plus he can give you some great advice home would you nick steps and what you should be thinking about what action points should be considering. As as the market changes because it's it's always talks rating. I mean what would happen yes these could be different was gonna happen next week so. This does beat muffled pay attention right CNET let's go back to the phone lines and interest on home provoke questions or if you have more questions call in. Jack hey Jack good morning welcome to shock when help you. A politician. Mr. Dowayne I've been looking for houses for over here. Didn't seem to sign up now warped. I know there's Q3. Program. It is a quality pre approved from a loan amount. Fortieth thoughts on that and I know it's couple more to my lender said its toll if loan and a rather to mention. Yet two O three K to FHA to government products so it has to be jacket has to be. You primary residence number one okay and which you're gonna do is it there's a 203 K streamline NE two O three K. Full stream line is if you're home improvements or going to be less than 35000. Dollars. OK if you go to 35001. Dollar it has to be 203 K. OK either way you have to keep someone from FHA or Hud inspector. To calm out there. And they've got to sign off on any of the work that you do so that's why your lenders town knew there are some hoops. Date date true they truly are. You know it's a great loan if you are finding a property that's going to be a primary residence in ego say I wanna knock out this Walt do this and do that to make it. The way I wanted and really customize it it is a great little product no doubt about it. Okay one more thing on these rates would of the Spanish from need to look at on the Internet that's gonna projected. Open government. Last week went down one for an eighth and then now expect up to forward. Two in those 35. Would that key factors been out on the pay attention to as far as. With that said to do in in order for meego OK so I am locked in this raid how long canal lock that rate on their purchase agreement. Yeah on a purchase agreement really it's going to be I mean we locked in our loans we closed at fifteen days so I mean we we do mean we do fifteen day blocks that way we can make sure that it out Kline gets the best rate that's available out there. But some of the things you wanna look at really is how's the stock market moving. The Fed chief Janet Yellen she just spoke this week they pretty much said he marked they're gonna raise rates so you know what I've advised my folks to look at is. Since November since the election we went up and over the last thirty days we've really been sideways on the race. Where were down an eight to a to a quarter and back up so. An 83 quarters not gonna cost that much you know when you're looking at it so you wanna make sure you used to it Jack when it's culpable for human. OK you know on the canal lock that in half. There are based on purchase agreement. This. You this week. Yeah I mean you should lock in immediately want to purchase agreement on your lender should be locked into its game Tom at that point gotcha gotcha. All right thank doing very well. Yet thank you Jack and Jack thank you for Collins it was good to have commercial break and come right back Debbie you're next on the live action asking your question. And also beat some ex Soviet tactics and an 87870. Will be right back after this. Welcome back to the home pre show here on the big gates having so glad and honored you're with us today. Let's go straight to phone lots and speak with deadly hate Debbie good morning are coming up you. The mall and the again. Yet. And then you're previous caller talked about that site now there's been tired. Yes. I get I have. Wouldn't award. Top two. Our panel in the bottom. It is like race panel. And one that quote bill it and lock it. I'd like a group that can I get these magnet type. Or more and went back over the last. To know what the pictures yes she certainly could. The the best thing to do at this point would go to hug your your favorite search engine and search throwback that tight it's let me spell it for you it's M. Eight G and ET. I TE. MAG. And the ET ITT. It tight window inserts. To that website YouTube we'll see infecting its videos and whips you look at it sort of keep you. Some ideas of what would options you have. You can get weird the outer perimeter of the of the class and sir or use a lot of different colors the connection be real wood that you can Spain to match. You sustained endorsed war. So yes you have lots of options that. And today these products have been installed in and hotels. All the ordinary and even some years and in the new loans area particularly the French Quarter because you know sometimes the streets and a little noisy night. And in the hotel owners are looking to make them more quieter they're great for sound attenuation and good for. Air leakage reduction lot of good advantages to. I have one more quick one. I don't gonna go to national break probable put you on hold back pedals William sorry. But I have Tommy your question but I'll get to it right after this that's news breaks so if you hold on -- eighteen just a few minutes. Okay well I'm hoping that it's gonna vote all right listen we have the whole second hour home crucial left to go. Here in the big 87 he we are in men if bill. At a remote doings done little pitch you have anymore it's questions start get on the phone line and ask them now. 26 so 1870. Who would be right back after this.