Well good morning and welcome to the second half of the home improvement show here on WWO. We are on the air between male and 12 o'clock. Toggle the different things. We you know on almost offices is home repairs in the U efficiency. Into air quality building performance challenges. Whether it's electrical plumbing or meaning into a project total projects who has a certain well open for discussion. But in addition to that we you're actually on remote today we're in Meehan bill we hit the wings on mortgage company. Rooney website and give his phone or twelfth of the website as mortgage gumbo that come to learn learn more go more to go mode dot com. And the phone number is 504. 2077600. To 077600. And if if you can tune in when and I've been going back and forth in the previous hour. Talk about things we should be considering. Since Thursday a rising trend of interest rates. Where that you had a balloon note is curator of the pop in the next few years or maybe some will be shorter time than that. Or if you're looking for you purchasing new home. Or an existing house there's there's a lot of fun it's arrangements that are available for you. And I'm probably the one thing I've been impressed and impressed a lot of things but the with him to impress the most. Is it your clothes these loans in fifteen days that's that's really impressive. Yet you know and thanks Paul in one of the things I think we've put in a process we understand client when they decide about a house or refinance a house. They they're excited about that they wanna get into the house right or. If they refinance if you said earlier that they wanna get that money so. We've got we've got a process in place that it just absolutely we believe in getting things done speed kills but we also want to make sure we're doing quality work so. Fifteen days a week and closed and it we're we've yet to find anybody that can compete with that as we discussed early. The national averages 51 days so yes we're destroying that by almost three top little over three times that that is from a very very impressive. Okay right before the break we were talking with Debbie Debbie had an additional question. Debbie you've we have introduced yet some unless I ask you to ask him live on the radio will go from there. Are part. Just go and ask you questions okay. All I'm like Ahmad is an atom well I think I had a thoughtful and debate about a year ago. And unfortunately. I don't think she'd get up all art and the contract there. Can. I need them RI. AA equally I would bet that defines a good contractor. Good credentials. Is there site. I won't end. Yeah I am glad yes of course there's the site effect is the site we've put together for all the listeners it's free of charge. To anyone who was gain access to a 24/7 the website is Paul's house dot com all one word. Paul's house dot com watcher at that website YouTube and select your region. North or South Shore Mississippi vendors. And then after that you can go ahead and select the type of service you're looking for. In your case orange suits his case UB selecting contractors. And other contractors you'll see the contractors that we recommend. That would be new construction or renovation work. Like about the Mort kitchen renovations so. Decent folks that home that night you've recommend for many years. The reason that the site togethers because. A lot of towns like like yourself to call it as well though. Or seventy Netscape we recommend the listener who use it Europe since the name Paul's house. And what I'm not always on the air so I want to make it easily currently available you can go to your Smartphone with the iPad. And he you know tablet. Desktop doesn't matter. And if you actually wanna Smart device if you or like for instance you're looking for contractors and YouTube team. Permit or some builders as the what you called you can actually pressed the button and doubt directly from your phone on the Paul's house site. What can seven email directly go to their website so it's very user friendly so encourage you were you sister. Radio listeners out there to go utilities free charge its local professionals though would recommend to come to work at your place of business you. Home pay go mean. Paul's house that come out all. Yes in PE EU LS HUSC. Dot com polls how's the column. I'll glory lot apparently do appreciate it thank you very much are not empty shell. And I've learned so much from you and that's the great Serb she got don't. Well thank you so much it's it listening is an honor and privilege one of the highlights my weekend is to do the radio shows or appreciate you listening and and listen to into aggressive shows and that they have because they've got a great lineup. Actually it was sort of been. Great thank you for old and I appreciate that the school and speak with Sally Sally good morning welcome to show coming up you. I've been winning. Hand. I'm a Christian because. I know a salad don't do that built me was the focus on him to Miss America I I want. So I think we've lost so it. Now I'm with you go to commercial break now so we go to commercial break I hope which hopefully become. Which you there and it's Ellie yet. How can help you then. Out that this victory rally. This mail it to go and ask a question. I I have no problem in my kitchen about a year ago we were probably on the phone for four weeks came back. And friends in the kitchen. And then that we cleaned up front in and put the city. On that area we have a for partly. Up to collect. And sign in the kitchen so we put things and drive and a but we don't let the fan on for about today. About three weeks later. This standards mode on and tell them. When that account well. IV and play. Cambodian. Camps and used him. Smoked and drove by way program every week it would remove that tell them. I couldn't get out and if they can't we couldn't take your hat again under the cap to break it again. And and just let me I realized it was the space ship the way. That could be moved ahead copy to come and remove insatiable. I got rid of additional action that we have is this election being put into it is. In the kitchen. And I'm waiting. To treat this area agony. With metal content. I did yesterday. I've been able to get it up on the suffering of the cabinet. And when I used to long brush that out. I'd need to clean the quail. I'm been speculated. He would bet wrong brash and Anna pulled out to brush it was a death. That came out so it must've been dragged mode. Breast without real coup de wet at it that area where it in the open trial kept brushing it for about now. And this is going to stir up. I used about half bottle of the milk content to do what are. Now it's just hi I'm wondering how much more treatment I issued. Do under the screen cap and. Miceli when you were scrapping in there we do you just scrubbing the floor we also scrubbing the underside of the cabinet. Alina. Didn't understand that the cabinet that little bit different that the cabinet. It will and the cabinet set at the net a little weird meant. It is. The fang. With a black. And I'm sure that no. Felt eighteen and one that actually built it was bleak. And then do some more mobile control within. Again. OK so you do know wanna use bleach. Formal if if you have a if you have another contaminant that's not organic growth. It's such as if it was sewer water that leaked and you wanna use bleach to sanitize it. There's no out of dozens of this election gently and I think that they bottom out again. OK so bleach could be used for sanitation not formal control. Not in any organic growth so you wanna use an atomic program like you have been using like the product you've been using. So I would read the manufactures suggestions very carefully along that product. Determine. If you need to do and an additional application. You know that would at every day areas set outweigh real good he. Well actually get these black cat kept brands in the brush and then we get lines. Did it sounds like you need you to make another application from what it's it sounds like but also don't be surprised if the bottom of the cabinet. The wood is discolored because of the water now Nestor because of the mall when you which ago that black stuff off. Miceli got our wish you luck it sounds like the union's fall please be careful and we're personal protection equipment. When you're dealing with these products eyeglasses respirators. Mostly use gloves and just be ripped up about that and spend some time. Reading the directions in the manufacturer's website. Specifically about this product abuses. Good luck of the project and appreciate you calling our folks we go to commercial break wouldn't come right back after this. Who welcome back to the home improvement so so glad and honored you are licences are with you we're having fun. Speaker at the commercials it points stunned or it's here in Bentonville. If you're just tuning in we are actually on remote quick tweets on bogus company. We're on how we won ninety in May in the bill right near the post office in the Walgreens. So c'mon you can say hello. In fact if you have any more which questions were heading into this discussion today. If anything that related to of finances for. Loans by all means. A morning courage to give us a call that phone numbers 260187. If you artwork or you don't have access to your closing documents failure no questions asked that's okay let me give you two other points of contact for for Dwyane. His phone numbers 504. 2077600. To 077600. Or his website is more rich gunboat that. Or which Komodo com. In if you need to. You can also texture of your questions and to connect text numbers 87870. And in doing we have talked about a number for things of of those the rates twin it trending upward. And that if if you have. A loan that you close for a refi some years ago and and you don't remember there's a balloon payment or not. By all means we're cart those folks get those close documents and read it. But you know if you're not familiar with the jargon in a three of the terms. Indeed it really confused and what he's just beat it. I think which you've discussed is the when your is first off call someone call your lender. You can call me I mean it that that's wanted to things where I think people get it wrong because you don't wanna. Everybody doesn't do. Whatever somebody does for profession that's what they do this is what I do I answered lending questioned so we wanna make sure you don't miss an opportunity we don't want that loan to mature. So we want to make sure that we're getting that right shall I answer questions all day long about especially this time a year. When different things like this are going on with that he locks tax time what do I do and in the other thing too Paula is. Just because rates have ticked up but that doesn't mean you should refinance. Now which you've got to look at it instead of a number on a piece of paper. Consider debt consolidation. We mentioned earlier in the show. Values on your home or at all time highs don't just go when you go get bread water. At the grocery store you don't go hey look at this number one piece of paper it's the money that's in your pocket so. I've been able to help a lot of people where maybe we've raised their rate by an eighth of a percent or quarter percent but I save 5600 dollars a month and save them. 2030000. Dollars and interest over the next 1520 years. Who's to tell that person that that's a bad loans so it's not always about loan that ray when it comes down to refinance you gotta do what's best for you. That's an insult a cash. Though that how much what we've left the apartment in a month ago it before yep absolutely best that's the number one thing because. That's what keeps the economy going that's what helps everybody out and there's not one everybody's situation is different but put five or popped in front of you five heart out in front of all our listeners. Everybody's at saint 500 dollar value but everybody's gonna use that a little bit differently yes so that's where it's important if you're working with the lender and that's where we kind of feel like we set ourselves apart is. We listen to what your needs are we put together a proposal that's best for you we give you education and options based on your needs not. Me as a Leonard go pay act and make the most money off of doing this kind of loan to look at slam UN. Yes absolutely in an analyst and any business model that is built a rail putting the customer first Moscow on the success absolutely because that's really where it needs to be that that that's my heart as well. But the customer first not my needs that now we're wanna so what I want to do. Let me listen to your scenario in India educate you so that. You can make informed decision what's best for you and your fans no doubt about it so I mean I I agree with that hole or are we to go to. Who would go to phones in and talked Earl Earl we have just a few brief moments. Go ahead and answer question if I don't get to know which are holding you to it after the news break good morning. Got more involved our product I have a child. That has slapped. What would lapse siding more. And I pride is different products to book I need it and nothing seems to stick. It would be blunt is a girl but it is it that I'm tournament packaged very rich in all four. Or. So it's it's got a lot of pitch to hit with the Dallas sat right you may wanna try and a toxic coding and you may wanna do the proxy primer first. And went in and sometimes cypress cypress lot of war when it. You actually have to use it to part of proxy. First on that and prominent. And then you can put it another any of good quality are preparing top of that is that that epoxy prominent really. Separates fuels from the word from or that your case the sap from the pine from komen for a welcome. OK so go to local paint store like I help thanks a place like that David tell you that that you connect to remove the pitched. And then he could use their proxy primer and that you can move full with a good quality picture tonight. Great question are appreciative call they focus because to CBS news break will be right back after this. Welcome back to the home from show we are actually on remote in men to bill which winks on mortgage company that website is more which gumbo that com. The phone number here is the odds are for. 207760207. 7600. And while we're at the news frequent attacks that came and if you text question you can send an 7870. But this question Dwyane dealt with pee in my private mortgage insurance and and I want you to first pro explain the concept. Opium I would when does it get activated one doesn't it and what options you have. If you can get past those action point threshold of hope avoiding not paying pima sure sure so. PMI basically is the banks weigh only conventional loan of hedging their their bad hedging and you're gonna pay them right so. The private mortgage insurance company will any time above 80%. If you don't put 20% then you can be required to poll private mortgage and shorts so with a private mortgage and shorts does is. That allows the bank and in essence of a 100000 now all impersonate. That 80000. They're Connie if they've got to go get that house back or resell it on a backside. Is all they get their eighty let them pay the mortgage and shorts will culprit that different appeal 95. The mortgages skewers it's gonna cover that extra 151000. So this is for the benefit of the bank not been through the fire could possibly confused about that now is that private mortgage in shorts it benefits the buyer and no way shape or form it's strictly for the bank. On now that's on unconventional on an epic channel which is a government. Backed loan government short. You have to have. Private mortgage insurance stays on the loan. For the life of the loan that was something that now some legislation that got put in about two years ago to where now which diesel for the life of the loan. But for the four would I want people understand private mortgage torches based all on. Credit score. Which you have the option to buy it out if you don't have 20% that does not mean you can't buy out you'll private you cannot buy out private mortgage in shorts. You can purchase that if you want to say you've got 10% down. What's that put on a heart and follows that put ten grand. I'd say give me five let's buy out the private mortgage insurance in and you never have to worry about it again for the life of dwell on that program. But the private mortgage short its credit score based in your loan amount that's how the factors sort of done. As far as that goes who would most people wanna know is when does it fall. You do not have to do absolutely nothing. If you own your house in when it gets to 78%. It will automatically fall. Okay what most people make a mistake and held there called their lender and say. Pay the value my property went up when they do that. By law there's a two year period that they have to wait to go get an appraisal so that's such a myth out there that people ago. Hey I wanna have my house three appraise to do this. If that's the case you got to do a whole another refinance. They won't just drop at all Fred so. Really 78%. Not 80% is the number that you've been paying for years in Europe that number. With the bank's gonna do it they're gonna take 78% of what you bought it by they're gonna look it would. The properties of going in that area in it will automatically drop off you don't have to do anything it doesn't call to a dime. Chair so private mortgage insurance like you said Paul. It benefits decline in no way shape or form at all which is the banks hedge themselves that. So in the event that you have a decent credit score compared to an excellent credit score. The monthly rate on cost the probable insurance is the just based tankers were the better credit score. The lower their monthly premium you out week we have decline in this week and the difference that the client on the same size loan to 1000 mile loan. One client was gonna have to pay it at 642 credit scores are gonna have to pay 141000. Dollars to buy the PMI. OK with that note to mark forty something Dallas vs declined to and a 760 lost. It was 3000 dollars and and payment fact there was a lot lower and member panel yes so. Credits court does come and play like they said with their net tax absolutely in. In which really. Impressive here is that again back to you you're part of your customer comes first so you can coach them on when these things think you know what. It might cost is this but you may consider putting a lowered down payment in by team I out because funny actually cash flow how much when he left you pocket every month. His was a benefit ship yet and you're in your brick and mortar institutions are not gonna tell you that. Because state has its all profit. So you're not gonna put down 20% they're not gonna give you the option to buy it out where I have investors that who purchased it lets you buy it out in a can give you the option to make the loan you want it to him and that's awful. You don't become to someone like that that that. Give you so many options to consider. You know back to you. Don't take the first deal that's there you do your research. You need to start asking questions used to start asking your friends your family. You social media and say hey guys with Joseph died at least give you some ideas of what your options are but by all means what she could contact points on. Is this sky news his stop website mortgage gumbo dec com phone number 504207. 7600. You ask it a lot here in a radio that phone numbers 2601870. Or you can sense that Texas aides have news and more right back after this. It. Welcome back to the home improvement show right before the the commercial we were talking which Weinstein you're twins on mortgage in man to go. And we're talk remote. Public questions sent in the text. And we mentioned that the credit score really drives to with a premium cost of going to be for premium by. If you presuming. You know your you don't Davis 20% or less. So. With Chris scored no always important in a lot of things we do financially but specifically in this one point and and you offer service that really could. Help folks out is the next help improve their Chris would describe that so. Yeah we wanted to things we do as is our business model as we offer offer credit repair service. So we understand that everybody's not blessed everybody's head pick up tape we've had a low wind storm came back through here right back into that Katrina. So you know some people had some hiccups backed him. Different things happen we went through the recession people lost jobs people fell behind maybe people lost their house. Different things so but that doesn't mean you have to a living purgatory for the rest your life right so we offer service every one of the mine employees that work for me we're all trained on how to recognize. How to build your credit back up and there's a lot of tools and this is in a service that you have to pay for there's a lot of these services are things you see on TV when ago. Can't pay me walk you credit out. The number one mistake that apple making is the first the net they'll do was dispute anything that they don't. That the peace credited by street firms say goat dispute that that that credit card payment. Right away wolf that will raise your payment however. I mean now will raise your score however attached just for reporting purposes when you come to me as a lender you can not have anything on your credit report that in a dispute status. So that is a big thing that these companies charge folks and take a look I got to score from 550 to 700 less than five weeks. And you pay them based on how high they keep you score. But all they don't want is. They're you're shifting its its its bells and whistles and it's fake smoke and all that. So what you wanna do which you wanna work with us who as a lender we're fixing your credit to where you can. Buy a house get the American dream and in Inco purchased that most valuable asset or refinance and make insured you get the best rate possible. That's what that's disservice that we want to make sure that we offer Paul that's phenomenal so it would it would just some of the things you look at or some of the options that may have something simple that. That a cost Britain can be used to listen this is where Matt this is where I need to be your. Help me out all of it number one thing when you're looking at your credit report is credit usage so it just for example if you have a thousand dollar credit limit. You wanna always make sure to optimize your credit score you wanna be below 30% so you have. A two part 99 dollar balance on that thousand dollar limit you're gonna get the Max points that that credit so credit. Our bureau will allow you to have such if you're sitting at 3011. There you're less than thirty. But let's say you go hey I don't have seven heart box to get it underneath that's fine if you sit at a thousand wit 999. And you could get it under 900. That 10% there to 10% increments but that's the name of the game don't just pay a random payment get it in 10% increments to find out because. At any time if I pulled to a credit today pollen. You went to wanted to places could you you going to some home improvement when you may have Max out your credit caught for that particular time for what by bullet on Monday when Saturday you just spent the whole bunch of money. I'm gonna show you pay let's go get this fixed we can move some balances around do different things like that so we can make sure that you you know. You rate you have to take doesn't affect your. Is it affected by Protestant you can't listen if you look at from landed at that Scotch you're interest best it is hard to make obsolete certain. You have the best you can possibly yet. Contact goings on mortgage mortgage gumbo that come. We'll be right back after this. Investments. Welcome back to the home from shall we your own remote today where Dwayne Stein mortgage company here in Maine to bill how we won ninety. Near the post office and let me give these contact numbers because we've been seeing lots of things that I think are great value to our listeners. Saloon keep your phone over to reach Dwyane. It's 504. 207760207. 7600. Or his website his mortgage gumbo dot com that's another great way to learn more about circuses and reach out to them should consider contacting your. Now what's important here is that we've been talking about oh. Lends loans for renovations additions. Refi new construction pre qualification. Credit score repair. And this applies only for the listeners here in Louisiana Knuble got a bunch of blisters in Mississippi. So Duane his license there as well Louisiana. Mississippi and Alabama. And you listen it. That I'd love small business folks and small business person myself but when they put the customer first and that's their business model. You couldn't succeed it and you could succeed as a as a consumer's cost her. But also as a business and and to me that is just the perfect business model. Expects when I've had for many many years. It just works. And we get to financial stuff that mortgages and we keep confused. Listen Duane explains in such a manner that you can understand it he can coach you on which your options are. Bring your clothes and document to be you have a balloon payment Yury pop up. And you say listen Ono my options aren't under the rate to Trenton up by all means contact he and his folks his staffers. Who trained to help you. Make an informed decision and and that's put out. Italy whether it's home improvement or its mortgage it you wanna be informed you wanna make the right decision. Based on the facts of what's gonna help you and your family the times so. By all means a great great resource. So we have probably a buy outs. Sixty maybe ninety seconds give me some clothes and wisdom for our listeners. While I think you know one thing you said earlier it is. Almost won it five people. Don't do exactly what you said earlier is it additionally fights everybody out there Paul has called an uncle who. Knows everything about everything and they tend to listen to that person and not go talk to a professional tennis so. It's important that you make sure that you are talking to whether it's me or somebody out there you've got to talk to lender who knows what they don't but as you said boats used the customer for its that's the most important thing you can do so you deserve to be first Pate thanks for him as a guest here spectre two hour we're present you get a beautiful place here in Maryville. And this and keeping your chance to ask a question. By all means go to our FaceBook page Paul's house is the page in which questioned there and I'll keep their two week until next Saturday. Will appeal in the air next Saturday morning it and clocked in this all over again. It has been a pleasure spending less that it with you got less than ever agree that. Enjoy this week.