Down Payment Assistance For Government Loans

The Florida Assist 2nd Mortgage Program

The program offered through Florida Housing Corporation offer down payment and closing cost assistance utilizing a second mortgage loan to assist homebuyers with closing cost and down payments. The repayment of the 2nd mortgage is derferred, except if the homeowner sells, transfers, or refinancing of the property at which time the loan becomes payable in full.

 

WHO IS ELIGIBLE

A first-time homebuyer who has NOT owned a home or co-signed a mortgage within the past 3 (three)

years.

Qualifying consumers must be a first-time homebuyer, which is defined as a person(s) who has not had

an ownership interest in a primary residence (whether individually or jointly) during the previous three

years; and plan to occupy the home as their primary residence.

 

CREDIT SCORE

Applicant(s) must have a minimum fico mid-score GREATER than 640.

 

INCOME LIMITS

The applicants total household income CANNOT exceed the following Household Size Max Income limits:

Non-Targeted Areas         Targeted Areas

1-2 Person(s): $ 63,900         1-2 Person(s): $ 76,680
3 or more Persons: $ 73,485 3 or more Persons: $ 89,460
*For Orange, Seminole, Lake & Osceola Counties

 

PURCHASE PRICE LIMITS

The maximum contracted home purchase price (contract sales price) CAN NOT exceed the following limits

and may be subject to the applicable FHA/ VA limits.

 

Non-Targeted Areas Targeted Areas

$ 271,164

*For Orange, Seminole, Lake & Osceola Counties

 

Targeted Areas

$ 331,423

*For Orange, Seminole, Lake & Osceola Counties

 

MORTGAGE PRODUCTS

FHA, VA, or USDA

 

ELIGIBLE/ INELIGIBLE PROPERTIES

The property must serve as the first-time homebuyer’s principle residence, and must include one of the following housing types:

Eligible

Single Family

Townhome/TownHouse

Condominium "Condo"

Duplex

 

PROGRAM BENEFITS

105% Financing available

No Intangible Taxes

No Doc Stamp Fees

Up to $7,500 is available in Down-Payment Assistance (DPA) and/or Closing Costs Assistance.

 

NOTE: The DPA provided is an Interest Free (0%) loan, payable at the end of 30-years. If the home

is sold, refinanced or the borrower fails to occupy the home as their primary residence prior to 30-years,

repayment of the total DPA loan amount is required.


________________________________________________________________________________________________________________

Video Transcript:


00:00:04,760 --> 00:00:11,040 Take number two. Hello again, my name is Brenden, I'm with The Homes In Orlando Team 00:00:11,040 --> 00:00:15,930 at NextHome and with me today is Kevin Murphy from Waterstone Mortgage. Morning 00:00:15,930 --> 00:00:18,420 everybody. We're here today to talk about 00:00:18,420 --> 00:00:23,190 downpayment assistance and what we're going to do is go over one program that 00:00:23,190 --> 00:00:28,200 works very well for people out there, and Kevin, you've actually had the 00:00:28,200 --> 00:00:32,129 opportunity to work with a very similar program yourself, with your wife in the 00:00:32,129 --> 00:00:37,440 purchase of your home. That is correct so last year I did utilize a program through the 00:00:37,440 --> 00:00:43,109 florida housing. Fantastic, so we've got someone who has actual experience is not only an 00:00:43,109 --> 00:00:47,010 approved lender with the program but also has had personal experience of 00:00:47,010 --> 00:00:50,789 going through the program. So hopefully if you have any questions that 00:00:50,789 --> 00:00:56,550 experience we'll be able to explain to you some of the things that he experienced 00:00:56,550 --> 00:01:01,890 going through the program all right. What I want to concentrate on today is we're 00:01:01,890 --> 00:01:10,040 going to stick with government loan program that's FHA, VA, and USDA. Alright, 00:01:10,040 --> 00:01:15,509 let me grab a marker. Now the program we're going to talk about is the Florida Assist Second 00:01:15,509 --> 00:01:18,290 Mortgage Program. 00:01:29,230 --> 00:01:35,930 Kevin, why don't you give us a couple highlights of this program. A couple good highlights 00:01:35,930 --> 00:01:43,070 are that you'll be getting up to $7,500 so in assistance so in the form of a 00:01:43,070 --> 00:01:51,710 second mortgage is going to sit behind 0% interest so essentially loans for you to purchase 00:01:51,710 --> 00:02:00,560 home. Now when you look at $7,500, what that means to a typical family is, in a loan 00:02:00,560 --> 00:02:06,920 of roughly say $250,000, it can pretty much cover their closing costs, That's 00:02:06,920 --> 00:02:09,590 correct. With this program you're going to 00:02:09,590 --> 00:02:15,350 want to have down payment or the closing cost, it essentially one of the two so 00:02:15,350 --> 00:02:19,130 if you've been able to you and this is assistance getting it over that hump 00:02:19,130 --> 00:02:23,360 instead of asking a seller to contribute to your closing costs, that this would be 00:02:23,360 --> 00:02:26,450 one of the things that you could use to overcome and come in with a stronger offer. 00:02:26,450 --> 00:02:31,910 that's an excellent point because the strongest market 00:02:31,910 --> 00:02:37,850 today it's still in that market below of $300,000, because that's where 80% of the 00:02:37,850 --> 00:02:43,400 people are so if you're in a market if you're in a situation where you're in 00:02:43,400 --> 00:02:50,330 multiple offers but you need closing costs. this down payment of $7,500 can 00:02:50,330 --> 00:02:56,299 take that off the table and now you can come in and if you need to possibly a 00:02:56,299 --> 00:03:02,510 full price offer knowing that you still got $7,500 to pay all of your closing 00:03:02,510 --> 00:03:08,209 costs. And that's a great way to look at it. Now this program is available where? 00:03:08,209 --> 00:03:12,230 It's available all throughout the State of Florida. So specifically, obviously, the 00:03:12,230 --> 00:03:16,459 areas that we're in is definitely available an Orange, Seminole, Osceola 00:03:16,459 --> 00:03:26,840 Lake, Volusia. Which is a little majority of looking. It does statewide in every 00:03:26,840 --> 00:03:30,200 county. Okay,now they've put some guidelines on the 00:03:30,200 --> 00:03:36,170 income, correct? That's right. Okay so we're going to take a look at Orange was 00:03:36,170 --> 00:03:48,660 it Orange County. Orange, Seminole, Lake, Osceola, Volusia 00:03:48,660 --> 00:03:55,650 itself has a little bit of a difference. Okay, so these these are this these four 00:03:55,650 --> 00:04:00,420 are actually grouped together and they're actually pretty much processed 00:04:00,420 --> 00:04:04,560 through the same place with the same guidelines. That correct? Through the same 00:04:04,560 --> 00:04:09,420 guidelines. Okay, so if there are statewide guidelines so just make 00:04:09,420 --> 00:04:15,180 adjustments okay. Now with the government loan when we're talking about a 00:04:15,180 --> 00:04:24,870 government loan we actually mean FHA USDA and VA loans, correct? That's correct. 00:04:24,870 --> 00:04:30,960 Okay, nice thing, VA if you're a veteran mostly you know that you have 100% 00:04:30,960 --> 00:04:37,860 financing so if you've got this $7,500 you as a veteran truly can get into a 00:04:37,860 --> 00:04:44,700 home with no money out of your pocket USDA again is another 100% program. 00:04:44,700 --> 00:04:48,780 Don't see so much Orange, Seminole, Osceola. They just redid the maps in 00:04:48,780 --> 00:04:54,510 thing and so we're looking more than if you're looking at areas like Volusia. So 00:04:54,510 --> 00:05:02,460 would be a great area and some of them are farther out areas okay. All right so 00:05:02,460 --> 00:05:08,490 that is another 100% program. Again, with $7,500 if you're approved 00:05:08,490 --> 00:05:14,160 with the USDA you're looking at possibly coming out of pocket with no money. First, 00:05:14,160 --> 00:05:19,470 of all that's pretty amazing. Then our FHA, of course, that's 3.5% 00:05:19,470 --> 00:05:23,640 down. This okay fantastic. So 00:05:23,640 --> 00:05:29,340 those that's what we're concentrating on. Now income wise, for these what is the 00:05:29,340 --> 00:05:34,890 limit of income? So with these so it's going to be a household income so if you 00:05:34,890 --> 00:05:40,080 are married so not married but you're living in and buying together so you 00:05:40,080 --> 00:05:46,380 were going to be capped off with maximum the yearly of $63,900 dollars. 00:05:46,380 --> 00:05:50,850 So and that's actually for a household of one or two if you're a household of 00:05:50,850 --> 00:05:54,870 more so you've got a child was at the house, 3 or 4 that number 00:05:54,870 --> 00:06:02,250 does go up just a little bit and it does go to $73485 dollars. When you're really going 00:06:02,250 --> 00:06:11,420 to want to get in front of a lender. if you had an opportunity see 00:06:11,440 --> 00:06:17,380 our last video the $63,900, is pretty much median income in Orange, Seminole, in 00:06:17,380 --> 00:06:24,200 other areas and we calculated based on current rates you're with average 00:06:24,210 --> 00:06:29,040 average debt ratio you're probably looking at about a $275,000 00:06:29,040 --> 00:06:34,440 purchase. Obviously, right in that ballpark. Now there's 00:06:34,440 --> 00:06:39,110 this is just have a limit on the purchase price? So, it actually does so 00:06:39,110 --> 00:06:45,420 your max purchase price is going to be $271,000 00:06:45,420 --> 00:06:51,300 dollars. so we'll say okay so $271,000, is your max 00:06:51,300 --> 00:07:06,620 purchase. Excuse my penminship. So for people on this income that's that is a typical home purchase 00:07:06,620 --> 00:07:13,170 when you're out there one important thing is to always understand what your 00:07:13,170 --> 00:07:19,440 limits are. So that you can work with us and with a lender. Okay, I'm going to be 00:07:19,440 --> 00:07:25,200 utilizing this program I can search for homes up to $271,000. Alright, you can 00:07:25,200 --> 00:07:27,540 actually go a little bit higher because you know there's usually a little bit 00:07:27,540 --> 00:07:33,480 negotiation room in there so maybe you say you go to $275,000, but you want to work 00:07:33,480 --> 00:07:39,740 with Kevin or you know another approved lender. there's only 3 or 00:07:39,740 --> 00:07:43,560 4, there's not very many who actually are actually approved for 00:07:43,560 --> 00:07:47,010 this program. You know there are those training that we go through to become 00:07:47,010 --> 00:07:50,910 licensed and have the ability to originate these loans in the State of Florida. They don't let 00:07:50,910 --> 00:07:56,960 just everyone go out and okay so we've got our got our basic 00:07:56,960 --> 00:08:01,760 guidelines. Alright, we're going to be looking at a home upto about $271,000 00:08:01,760 --> 00:08:07,600 in Orange, Seminole, Lake, and Osceola County. Volusia, it's a little bit lower? 00:08:07,600 --> 00:08:11,450 That's correct. so that you were looking at in Volusia County 00:08:11,450 --> 00:08:16,760 so that purchase price kind of being there just a touch more so but here 00:08:16,760 --> 00:08:21,830 you're income with so it's really really not too much of a difference. There's very 00:08:21,830 --> 00:08:29,750 small gap. Now another important thing to know about 00:08:29,750 --> 00:08:37,340 this is if we're using one of the government programs okay. One of the FHA, 00:08:37,340 --> 00:08:43,940 USDA or VA. What type of home qualifies for this program? So you're the 00:08:43,940 --> 00:08:47,390 most confident that once again good see the most are going to be a 00:08:47,390 --> 00:08:52,880 single-family home so which is a single unit residency and then an attached 00:08:52,880 --> 00:08:58,520 townhome. There is the ability to do condo. However, they're going to 00:08:58,520 --> 00:09:07,940 have to be approved ahead of time and with FHA condos in this area it is it is very limited so 00:09:07,940 --> 00:09:11,810 what you can do. But again that's something that you could find I mean you 00:09:11,810 --> 00:09:16,580 even by searching online, again FHA approved condos you look inside the 00:09:16,580 --> 00:09:25,130 county you're trying to be in I think the last time I looked in Seminole County had 2 and Orange County 96 00:09:25,130 --> 00:09:29,510 there's a business great there's a big list a lot of your expired or just never 97 00:09:29,510 --> 00:09:33,800 finish the approval process soyou are really limited with condos. The vast 98 00:09:33,800 --> 00:09:43,550 majority of what we would be trying to do would be either a single family home or a townhome 99 00:09:43,550 --> 00:09:47,060 That's with the government programs because with $271,000 and below 100 00:09:47,060 --> 00:09:55,070 condos become very attractive. It really did so we have we can we can 101 00:09:55,070 --> 00:10:03,410 address that with a little bit different program. Okay now we know we gets $7,500 we're at the 102 00:10:03,410 --> 00:10:08,779 $271,000. We can go after single-family, townhomes. With the government programs 103 00:10:08,779 --> 00:10:15,199 Alright, now as a borrower there are always credit questions. Where do they 104 00:10:15,199 --> 00:10:18,649 have to be creditwise. With these loans you're going to need a minimum of 105 00:10:18,649 --> 00:10:25,339 640 credit scores, and that really is for most average people, you're going to be 106 00:10:25,339 --> 00:10:31,189 there. And with these loans we do find that if your in that 640 range that 107 00:10:31,189 --> 00:10:43,429 it's fairly easy to get you approved. And with the processing, another thing is processing time 108 00:10:43,429 --> 00:10:47,809 because a lot of people are familiar with a SHIPP program and the paperwork on 109 00:10:47,809 --> 00:10:54,649 that is a headache, absolutely. How does this differ from the 110 00:10:54,649 --> 00:10:57,379 SHIPP program and I know you're laughing about that. I could see how much fun 111 00:10:57,379 --> 00:11:01,729 there laughs. I've never originated this your program and I will never originate 112 00:11:01,729 --> 00:11:06,919 like SHIPP. again just personal preference on my end but this is no different than a 113 00:11:06,919 --> 00:11:12,379 typical FHA loan. so in the amount of time that it takes to actually get in do 114 00:11:12,379 --> 00:11:17,839 the paperwork and reserve this I'm fine. Nothing that you would ever see 115 00:11:17,839 --> 00:11:27,559 but giving loans closed in as little as 30 days. Question: How much money should someone 116 00:11:27,559 --> 00:11:35,059 have saved? Can you buy a house with 0 money? A great question. So it's gonna depend on 117 00:11:35,059 --> 00:11:39,079 the loan program that you have so that FHA is gonna require minimum downpayment 118 00:11:39,079 --> 00:11:44,899 of three and a half percent so there could be down payment so but there is 119 00:11:44,899 --> 00:11:50,059 possibility to buy with zero money again if you look it more like the USDA, which 120 00:11:50,059 --> 00:11:55,369 will be restricted geographically in the areas that are both USDA approved and 121 00:11:55,369 --> 00:11:59,299 then if you are better so if you have better benefits so that is another way 122 00:11:59,299 --> 00:12:04,489 to look at having no money. There's essentially no money out pocket. USDA 123 00:12:04,489 --> 00:12:09,619 if you want to if you inquire of what areas you have to go to the USDA site 124 00:12:09,619 --> 00:12:15,859 and they have an address finder. Where you type in the address of a property 125 00:12:15,859 --> 00:12:19,740 and It will tell you whether or not it's inside the USDA's 126 00:12:19,740 --> 00:12:28,020 letting district. Right now quite a bit of Volusia County, Deland, Debary, Orange City. 127 00:12:28,020 --> 00:12:33,510 It's easiest to figure out USDA if there's a not a lot of people living in 128 00:12:33,510 --> 00:12:37,620 and around the area well we're gonna be you as usual and USD really just stands 129 00:12:37,620 --> 00:12:42,839 for its her role so here if you looking in your not long a lot of neighbors 130 00:12:42,839 --> 00:12:51,839 don't mind living outside of like more populated urban centers and easiest way 131 00:12:51,839 --> 00:12:57,770 to really do that go on your computer so look up a search and just search USDA 132 00:12:57,770 --> 00:13:01,770 eligibility map and they'll be a place where you can add an address you don't 133 00:13:01,770 --> 00:13:07,080 see and you can look at a map it is clear as day the area it is street by 134 00:13:07,080 --> 00:13:10,860 street so you could live on one side of the street it could be USDA eligible the 135 00:13:10,860 --> 00:13:14,160 other side of the street where it could not be USDA and actually have that 136 00:13:14,160 --> 00:13:22,140 happen recently yep so hope that answers your question other things now how is 137 00:13:22,140 --> 00:13:31,110 this how is this show to the buyer as far as it is a second mortgage okay so 138 00:13:31,110 --> 00:13:40,260 explain how that that's it's really another housing us on all your paperwork 139 00:13:40,260 --> 00:13:45,570 it's just going to show $7,500. So this is what's called a silent second 140 00:13:45,570 --> 00:13:50,190 mortgage. So the silent second mortgages, it is a mortgages that sits silently back 141 00:13:50,190 --> 00:13:53,610 behind your initial mortgage. So you have a mortgage for the purchase price of the 142 00:13:53,610 --> 00:13:57,810 home and then back behind it was called silent second mortgage. So it 143 00:13:57,810 --> 00:14:03,630 and that loan just quietly sits fine, so and this is really for lack of it or not 144 00:14:03,630 --> 00:14:10,260 what it is is a interest rate loan for as long as you own this home. and so our 145 00:14:10,260 --> 00:14:17,220 interest rate is actually 0%. Correct. There's no interest. So you never pay any interest on that home? 146 00:14:17,220 --> 00:14:21,276 On the $7,500! 147 00:14:21,276 --> 00:14:28,230 If you do decide to sell 148 00:14:28,230 --> 00:14:33,950 them home say in 8 years,10 years, that $7,500? 149 00:14:33,950 --> 00:14:39,060 It's just added on as part that would be part of your closing cost later on. 150 00:14:39,060 --> 00:14:45,390 You sell the home later you would have to reimburse the State of Florida $7,500 151 00:14:45,390 --> 00:14:49,650 or the Florida Housing Finance Corporation the $7,500 dollars. That they have 152 00:14:49,650 --> 00:15:01,770 really giving you as an interest-free loan for as long as your home. So we hit 153 00:15:01,770 --> 00:15:07,890 I think most of the major things. I think a big thing for us to know - is 154 00:15:07,890 --> 00:15:12,510 this really is a first-time homebuyer program and the definition of first-time 155 00:15:12,510 --> 00:15:17,340 homebuyer. You can have owned never owned a home before and still be considered a 156 00:15:17,340 --> 00:15:21,000 homebuyer as long or first-time homebuyer as long as you have not owned 157 00:15:21,000 --> 00:15:26,640 a home within the past 3 years. so we will be collecting tax returns to prove 158 00:15:26,640 --> 00:15:30,780 this so to make sure that you have not had interest in a home. So if you had 159 00:15:30,780 --> 00:15:34,350 been on somebody else's title and ever been listed as a home within the last 160 00:15:34,350 --> 00:15:45,090 three years that that really affects your eligibility for this program. 161 00:15:45,090 --> 00:15:53,010 Are there any points that we're missing right now? Because it to me it's it's a really good 162 00:15:53,010 --> 00:15:59,190 program and I find that a lot of people are hesitant to 163 00:15:59,190 --> 00:16:04,500 make that jump in purchasing a home because when you look at itand you see FHA 164 00:16:04,500 --> 00:16:09,210 at about three and a half percent down, my closing cost roughly around about 165 00:16:09,210 --> 00:16:13,380 three percent you know all sudden you're looking at maybe having to come up with 166 00:16:13,380 --> 00:16:19,710 you know on a $200,000 house $13,000 to $14,000 thousand dollars to 167 00:16:19,710 --> 00:16:27,660 get into the house. You know it's held a lot of people back and I think one thing 168 00:16:27,660 --> 00:16:32,630 you enjoy and I enjoy is helping people get into the house, when they think they can't 169 00:16:32,630 --> 00:16:39,330 Absolutely, the best part of our job first-time homebuyers because you're 170 00:16:39,330 --> 00:16:43,740 ready to listen them and have questions and then are really concerned and it is 171 00:16:43,740 --> 00:16:50,730 it's great the success stories and getting people that thought they would never own a home or the money to do it 172 00:16:50,730 --> 00:16:57,530 minutes I love my job 173 00:16:58,790 --> 00:17:07,170 Now one thing I think after tell people is don't be afraid to ask questions! We 174 00:17:07,170 --> 00:17:11,700 want to be your resource that's why we're doing this. Is so that we can teach 175 00:17:11,700 --> 00:17:17,970 you. We feel a lot of stuff today people aren't teaching. How to 176 00:17:17,970 --> 00:17:23,370 process a personal loan and I know you've done this with your clients and 177 00:17:23,370 --> 00:17:26,970 I've done this with my clients. I've had clients was taken a year, a year and a 178 00:17:26,970 --> 00:17:31,950 half to get them into position the purchase their home. But you got to have a rode map and 179 00:17:31,950 --> 00:17:37,680 that's what we do as a team. Because it is truly team in the purchasing process, you 180 00:17:37,680 --> 00:17:42,630 have when you have your realtor, you have your mortgage company, we work with a 181 00:17:42,630 --> 00:17:48,060 couple credit repair companies that will help you repair the credit. So we can get you 182 00:17:48,060 --> 00:17:52,260 to at 640. Because every time we can get you up a little bit higher 183 00:17:52,260 --> 00:17:57,870 Your credit score, can see on your interest rate alright. So don't ever be afraid to 184 00:17:57,870 --> 00:18:06,060 ask questions and ask can you help. We always happy to help. I love mortgage 185 00:18:06,060 --> 00:18:09,570 consultations and I can't tell you as long as you're willing to listen and there's 186 00:18:09,570 --> 00:18:14,040 a the heed advice and take the advice that yeah if you're not at the point 187 00:18:14,040 --> 00:18:17,760 where you can purchase today so but we can show you how to do it in three 188 00:18:17,760 --> 00:18:21,510 months six months nine months. Not only does it give you time to potentially save a 189 00:18:21,510 --> 00:18:25,140 little bit more money to and you're needing it for your downpayment, now we can go 190 00:18:25,140 --> 00:18:28,890 ahead and show you well this is what's wrong right you may think that there's 191 00:18:28,890 --> 00:18:33,420 something wrong happening we can jump in we can pull your credit we can look at a 192 00:18:33,420 --> 00:18:37,170 report go over with you and maybe it's on your what are you thinking so and 193 00:18:37,170 --> 00:18:41,600 that's what we find in so many cases 194 00:18:42,420 --> 00:18:46,830 credit-card bill that is a little to high, and we need you to pay that down it and 195 00:18:46,830 --> 00:18:54,270 give your credit just an opportunity to reflect that so again it was let's just 196 00:18:54,270 --> 00:19:02,000 run through the highlights of the program. okay it is the second mortgage 197 00:19:03,440 --> 00:19:14,220 no interest,no interest, $7,500 they can be used for down payment or 198 00:19:14,220 --> 00:19:20,990 closed cost. Correct, it just gets at taking out of your total cash 199 00:19:24,530 --> 00:19:31,890 statewide and another thing that we like about this program as opposed to some of 200 00:19:31,890 --> 00:19:36,750 their county ones is that there's not a limit on the fun this is just a program 201 00:19:36,750 --> 00:19:41,660 that's okay that's good 202 00:19:42,600 --> 00:19:46,770 the state of Florida does want to help so and and there's two there was 203 00:19:46,770 --> 00:19:49,740 another there's another program that will run out of money and that's some of 204 00:19:49,740 --> 00:20:00,650 the heartache you hear but this one is credit score we need 640 205 00:20:03,110 --> 00:20:15,649 we can use them with FHA, VA, or USDA loans. Anything else Oh purchase pricing 206 00:20:15,649 --> 00:20:23,749 go up to $271,000 there's an income restriction but work glad to help you 207 00:20:23,749 --> 00:20:27,649 and figure that out and make sure that you're going to I think there was one 00:20:27,649 --> 00:20:31,610 other thing about to talk to if you do not have access to that money for a down 00:20:31,610 --> 00:20:33,679 payment you've got a family member that's 00:20:33,679 --> 00:20:38,419 willing to help out so you can actually be gifted so upon those folks program to 00:20:38,419 --> 00:20:42,409 qualify so if you've got a mom dad brother sister aunt uncle grandmother 00:20:42,409 --> 00:20:47,720 grandfather that was the best interest they can give to the funds so that would 00:20:47,720 --> 00:20:51,470 be actually another way to come out of pocket no money I know that all of us 00:20:51,470 --> 00:20:59,950 are in situations like that but that situation does speak you so we are I 00:20:59,950 --> 00:21:04,340 think that's it I think we've hit all the points if you have any questions 00:21:04,340 --> 00:21:09,230 feel free to give myself a call at four oh seven seven one zero eight seven two 00:21:09,230 --> 00:21:15,710 zero okay you can be reached at 4:07 six four five six three five zero 00:21:15,710 --> 00:21:21,379 I love mortgage consultations please give me a call and relax and answer any 00:21:21,379 --> 00:21:24,980 and all of your questions we're here to help thank you for your 00:21:24,980 --> 00:21:28,480 tractor I'll