Mortgage Matters

Wesley Knight 0:00
This is a Kun V studios original program. The content of this program does not reflect the views or opinions of 91.5 jazz and more the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. Ta

Roland Daniels 0:22
da Good morning Las Vegas. Welcome to mortgage matters. I'm your host, Roland Daniels, a certified mortgage advisor with Geneva financial. My NMLS number is 355859, company. NMLS number is 42056, and of course, I am here this morning with my fantastic co host, Heidi Griffith, good morning. Heidi. Well, good

Heidi Griffith 1:06
morning. Roland, how are you? I am doing awesome. Happy Sunday. Happy Sunday. Happy Sunday. Everyone. Yes, I'm Heidi Griffith. I'm also a mortgage advisor, and I'm your Director of Client Services. My NMLS number is 2247754, we're want to thank you for tuning in this morning, right? Yep, got some classes coming up. We have a class tomorrow. We do you ready? We're ready. Let's go. It's gonna be a great class. We've got a class that's gonna be held alongside the Nevada housing division. It's the homeless possible, down payment assistance class. If you're interested. There's still a few spots available. It's just a one. It's actually more like one and a half hours with questions, with lunch and snacks, snacks, questions, lunch and snacks, plus great information on the amazing down payment assistance programs the Nevada housing division offers. Right there'll be a representative from Nevada housing that will go over all of their programs they've got first time homebuyer programs that offer two and 4% down payment assistance. They've got, they've got a down payment assistance program. It's called home as possible, right hip that down payment assistance program. First of all, they just raised their income limits. They did 165,000 you can make up to $165,000

Roland Daniels 2:20
a year and still be eligible and

Heidi Griffith 2:21
qualify for this program. Yeah, you can own a home in an additional state. So if you're moving here from out of state you've got a home, you want to keep it as a rental property. Or even if you have a rental property out of state right now, and you're not a homeowner in Nevada, you're still good to go, as long as this is your primary residence. So that's a program. They've got a teacher program that's that's for Clark County School District, right? K through 12k, through 12 teachers can get $7,500 in assistance, and that's forgivable

Roland Daniels 2:48
after just five years. Five years, it's forgivable. So free money after five years.

Heidi Griffith 2:54
Yeah, it's just one of those great benefits that they want to offer school teachers in the valley, right? Because they deserve it first and foremost. And we really want to make things easier for our teachers instead of more difficult, don't

Roland Daniels 3:06
we? We do, and it's still prorated over that five year period. It is,

Heidi Griffith 3:10
so if you sold or refinanced early, you won't have to pay the entire $7,500 back. Yes, yeah, that's a great program. And then they've got some great lower than market interest rates for veterans. I mean, they really do have some great programs. So they'll go over all of that. I think that you'll actually be presenting the mortgage portion tomorrow. I wish we're gonna have you do the mortgage portion tomorrow. We're gonna have a realtor there that will go over the current market. They'll go over, you know what, what purchasing a home looks like once you get pre approved. So it's a great hour and a half plus lunch and snacks. So if you are interested, that class is actually from 11 till 1230 it's going to be at the the State of the State of Nevada, business building, right? And that is, that's west Sahara. I

Roland Daniels 3:54
think, I think it's like 3300 West Sahara

Heidi Griffith 3:56
Avenue. It's kind of catty corner from, like Palestinian, right?

Roland Daniels 4:00
And, and if someone's interested, how do they sign up? All you

Heidi Griffith 4:04
gotta do is give us a call or text us. We're at 702-210-2057, again, that number is 702-210-2057, you can also actually visit our Facebook page, right? Mortgage matters radio and they'll actually be links to those events where you can register right online. Very nice. Yeah, so let's talk really quickly. I was having a conversation yesterday about generational wealth. It was just in a group of friends, we were talking about the importance of generational wealth, and it's kind of one of those catch phrases. Now, it is, right? A lot of people are talking about it. It's kind of, you know, on trend, but it's important to know about, right? It is.

Roland Daniels 4:40
And sometimes they, you know, it could be like a fancy term, but it just really means that we're just passing down money and assets from one generation to the next, right,

Heidi Griffith 4:50
right? So if you know you've come from, let's just say you came from a wealthy family, right? And I'm doing air quotes old money, right? Yes, generation, they have the generation. Well, is generational wealth, right? A lot of us aren't that fortunate, so a lot of us are starting from a place where we're trying to build our own wealth, right? So it's a great tool, especially if you have children. So why do you think generational wealth is important? Roland

Roland Daniels 5:15
is very important. Let's say, if your parents didn't have much, and you're you probably had to do it all on your own, yep. So we want to start the process of starting that process of building that generational wealth. We want our kids to have the advantage along with our grandkids. So we have to start somewhere right,

Heidi Griffith 5:37
right? Because it is important, and it is. It's one of those things that once it starts happening, you see it, you can see it, and it will continue, and

Roland Daniels 5:48
you get to feel it and experience it. I

Heidi Griffith 5:50
agree. I agree. So what do you think if, if you're not in a position or you don't, let's just say, let's just say you're doing well in life, but you're spending it all. What happens without generational wealth, then

Roland Daniels 6:02
the your child or your grandchildren, they have to start the process all over again, right? So we want to put our kids in a position where they have a better life than we have, right? And we want it to continue on from generation to generation. Yeah,

Heidi Griffith 6:18
it's a beautiful thing. So it's kind of like, it's kind of like starting from scratch every single time, right? Like running a race where you're always starting at the back of the line. It is not fun, yep,

Roland Daniels 6:26
not fun. And it's harder to get ahead when you have debt and no assets to build on, right? Well,

Heidi Griffith 6:31
absolutely. And you know, based on where we are in 2025 with the cost of living, just, just the cost of living. And, you know, we primarily talk about purchasing homes and real estate, right? Because that's what we do, right? But with that being said, you know, I was, you know, my mom will tell the story about their first house, and that was probably, they probably bought their first house. I don't know. It was 1969 1970 somewhere in there, your parents probably the same. I think they paid like, $14,000

Roland Daniels 7:02
for my parents is a little bit more than the 14,000 it could have been

Heidi Griffith 7:05
for my parents, but I know it was very small amount. And where we are today, and with the values increasing as they are and as folks move into the valley and continue to drive prices up, it's getting more and more difficult. It is more and more difficult. I mean, we're seeing a lot of people, I think we talked about it last week, but we're seeing a lot of people that are starting to purchase with their families, kind of generational housing right to make it more affordable, or even to just qualify just and that's exactly right. So we actually, we have a great client story that they actually she got pre qualified on her own. She She was qualified just not for a lot, and there was very little in the valley that she could actually purchase based on that dollar amount. After having a conversation with her folks, they decided that let's all become first time homebuyers together, because her parents had never owned previous right? They purchased a home together, and their ultimate goal is to build up enough equity so they'll be able to take some of that equity out of the property, and she'll be able to then go and purchase something else on herself with that equity that she's built in the property. So there's a lot of work arounds, but generational wealth doesn't hurt that process, right? That would make that process a lot smoother had she been in a situation where she was already starting to see that grow.

Roland Daniels 8:23
It makes things a little bit easier as they're moving forward. So Heidi, how can we start the process? Or, how can we build generational wealth? Well, first

Heidi Griffith 8:35
and foremost assets, right? Yes. So a home, typically your largest asset, and inside note, typically your largest debt

Roland Daniels 8:41
as it is, right? So it's an asset and a debt at the same time, right? But assets,

Heidi Griffith 8:45
homes, whether they're primary residents or investment properties, stocks, right? What about starting a business? Just remember, with businesses, they don't always work out as planned, unfortunately, yeah, but I mean, if you could get in on, you know, something that that takes off. Then, obviously, now we've got, you know, family business, family owned business, yeah? And what about, like, you know, just basically saving, living, investing, yeah, putting

Roland Daniels 9:09
money in places where it can grow over time, right? Yeah, absolutely. And what about teaching financial skills to your children? This

Heidi Griffith 9:16
one is huge, right? I agree. We've talked about this a lot, about actually putting something together, and we need to put that back on the front on the agenda, putting something together. Because I know personally, and this wasn't a, this wasn't a they didn't want me to know thing. But when I was growing up, parents didn't really talk finances. Well, my parents didn't really talk finances with me. So going into it, you know, we had to learn how to fill out a check. Yep, I remember I had to fill out checks. So that was but, but talking about finances with kids as early as what 678, years old,

Roland Daniels 9:51
well, I remember we had our piggy bank or a money jar, and my father used to give me the rolls, so I used to go and roll the pennies. Roll the nickels, dimes and quarters, right? So, but I was allowed, and I have my own savings account, like at eight years old.

Heidi Griffith 10:08
Oh, that is super cool. How smart ahead of the curve. Yes,

Roland Daniels 10:11
he was, and I was allowed to make those deposits into my own account. You rolled, those rolled coins that I had to do on a Sunday? I love

Heidi Griffith 10:20
that. That's awesome. Yes, that is so. So that's a great skill. So obviously, we're not rolling coins in most instances now anymore, if we have coins, and many of us don't, but if we have coins, we take it to the machine and dump it in. But that's a great way to get your kids started. So instead of, for their birthday, giving them 20 bucks to go spend at, you know, wherever, right, maybe opening a checking or savings accounts for them and having them be responsible for that with your guidance, right,

Roland Daniels 10:47
teaching them to save maybe, let's start off with, say, 20% of, maybe of their allowances, or any gifts that they're getting, maybe for their birthdays or Christmas. Yeah, yeah, because

Heidi Griffith 10:57
obviously, right, that's going to put them more in the mindset of the value

Roland Daniels 11:02
of money, right? And start that cycle and that habit of saving, right? I agree, because most of these when it comes to money and credit, this wasn't taught in school, at least when we were in school. No,

Heidi Griffith 11:12
no, I'm telling you, I really went into the world. Not that again, not that my parents were trying to keep anything from me. They just wouldn't put their burdens on me at that time, right, right? So I went into it not really understanding much. I had to learn a lot of things the hard way. I was very fortunate as I was a young adult, that they were able to help me with stuff. But generational wealth is a little bit more than that extra help, right? You know, instead of, you know, that 150 bucks to help out with rent, having those things in place so that as we leave this place right, our children are stable. I agree with you, right, and teaching them young about finance and assets and debts right is important, because as they go into their adult life, they have a bigger appreciation and understanding of that and

Roland Daniels 12:03
building and maintaining credit, when I mean credit, good credit, not bad credit, we want them to maintain and build up their credit. Credit is crucial in the process of building wealth.

Heidi Griffith 12:16
Yeah, because I've actually, I've spoke to it's been kind of a thing. I've spoke to a lot of people, probably within the last six months, about credit. And there's a lot of negativity around credit, you know, it's, you know, the necessary evil. Obviously, it's one of those things that, yeah, we all make mistakes in life. We do things happen, things happen, but we do need credit. I've had people tell me that they don't need credit. At some point you will find yourself whether you don't have to be buying a house, you may be applying for a job, right, right? I mean, credit plays a big role in our day to day lives. Well, just

Roland Daniels 12:50
as simple as buying a car or maybe you're applying to get a cell phone service, they're going to pull your credit 100% or even utilities, they may ask for a deposit when you're opening your utility account. Well,

Heidi Griffith 13:03
renting. I mean, that's a big one that is crucial. So, yeah, so credit is important. Do you have to have perfect credit in life? Again? Life happens. We make mistakes. You said it last week. I mean, you've only seen a handful of people with air quotes perfect credit, because it's hard to maintain perfect credit because of the way bills get paid, you know, the way your credit

Roland Daniels 13:24
and the different algorithms reporting, right? Yeah, it does make it very difficult. And don't forget, life insurance also plays a crucial part of your generational wealth. Okay, explain that. So it helps your family financially. If something happens to you, then your family is not on the hook for paying that additional mortgage when they're already paying a mortgage, right? Yep, or you're getting if you have insurance policies set up for your children, if something happens to you that can be like a definitely a great starting plan for generational wealth, where they're not burdened down with the debt, they have now an opportunity, depending on the life insurance policy, right? Maybe they can use those funds as tax free, and they can use those funds to purchase additional property, or maybe if they want to maintain the property that you're leaving to them, now they have the assets and the the money to take care of the property. I

Heidi Griffith 14:24
love that. I love that. And again, hand in hand with that. If we start young, and we're talking to these kids when they're, you know, 6789, teaching them the importance, yeah, the importance of it when, unfortunately, we get to that point in life, they have a really firm and solid understanding of what the best route is at this point, you know that we're not going to make foolish mistakes. You know we got let's we got $50,000 we got $100,000 we got $500,000 from this life insurance policy. How are we going to make it best work and keep our kids in the same direction?

Roland Daniels 14:59
Generational wealth to move from one generation to the next. I love it. So when we pass away, we don't want to leave debt or clothing or jewelry or car payments that need to be paid, right? We see it all the time when a parent passes away and now, who's going to make those mortgage payments, and sometimes, if you don't have the necessary funds now, that home that you thought that you were going to get that's been part of your family for the last 30 years goes through probate, and there's a possibility that now the state owns that property. It happens

Heidi Griffith 15:36
far too often. Every single day. It happens far too often. And so along those lines, even if mom or dad or whomever right, and your family isn't a homeowner, leaving debts, not a great thing. I mean, I don't know how many times, unfortunately, people are having to do a Go Fund Me or or, you know, go to family just, just to have a service right for their family member. If we can kind of break that barrier and start thinking about those things, I know that number one, not a fun subject. We don't want to talk about it. It happens, though, and it's important. It's important it happens sooner than you know, we like, regardless of how old we are. It just, it's one of those things that when it happens, it takes that off your plate. There's enough that we have to go through in those moments in time.

Roland Daniels 16:24
So, and we're not attorneys, but it's very important to start a will and a trust, have that in place, and you need to do some estate planning. Yes, just like Heidi was talking about, these are things that you don't want to talk about, but it's very important, big, right? So it makes sure that your wealth is passed on from one generation to the next, not just a will. You need a you need to have a trust in place, and maybe later, in another a month or two, we'll have a trust attorney on the

Heidi Griffith 16:55
show. That would be wonderful. I would love that. I would love that because I mean, you, you were in that situation, weren't you?

Roland Daniels 17:01
Unfortunately, I had to go through probate with your dad, with my father. So in certain communities, those when it comes to trust wills, yes, there's plenty of wills in our community, but when it comes to a trust, sometimes they didn't understand the importance, or maybe there was a certain trust level, right? But I tried for years to convince him to get a trust, because he had some assets. He had some assets, right? But unfortunately, when he passed, we had a will, but we didn't have a trust. So with a will, I still had to go through probate, and unfortunately, it happened right before COVID, right, or during COVID, so that extended it. So usually a probate, you can probably wrap it up in between four and six months. But it's not free. It's not free, not free. But unfortunately for me, it took me probably a year and a half, almost two years, because courts were closed, right? Courts were closed, yeah,

Heidi Griffith 17:58
right, yeah. But not a fun thing to do. And I mean, you were fortunate that you had the means

Roland Daniels 18:05
to support it while I'm going through probate, right? But if you don't

Heidi Griffith 18:09
have the means to pay for the attorney and pay for the probate fees, right, a lot

Roland Daniels 18:13
of times when you hire an attorney and you don't have those upfront fees, they're going to put a lien on the property. So most, in our, most instances, they're going to sell the property so they can get paid, right? And then you don't have a choice in keeping that property if you can't afford to make those payments in addition to your current bills,

Heidi Griffith 18:33
right, right? So really, food for thought, I would love let's, you want to write that down. Let's get a let's get a probate or, yeah, probate, attorney, appropriate attorney, and that would be wonderful. So generational wealth isn't just about money, right? It's not what's it about?

Roland Daniels 18:48
It's about keeping it. Yep, we want you to keep it. We want you to grow it, and we want you to be in a position to pass it on. So the goal is to make sure that your kids and your grandkids have more opportunities and a better financial future than you did, right? That's always the goal. So remember, you don't have to be rich to start. You just need a plan.

Heidi Griffith 19:12
I love it, right? I love it. Don't forget, let's get get someone on. We will, awesome, awesome.

Roland Daniels 19:16
So if you have any questions on any of the topics that we've discussed today, you can reach out the number is 702-210-2057 that's 702-210-2057

Heidi Griffith 19:31
so you know before, before we move on any further, let's, let's do this today. Okay, because we've had a bunch of different questions come up frequently, so frequently asked questions, right? Let's talk about them really quickly. One of the bigger ones is that especially after we meet with people in class, especially the first Saturday of the month, that class that we do with CPLC, the HUD certified counseling agency, right? It's a deep, deep dive. It is a deep dive. It's from 830 in the. Morning till almost 3pm It's a lot of information to take in, and it can be a little overwhelming. It can be and we've actually had folks that have went twice, sometimes three and four times. They I mean, they really enjoyed it so much, and they really did want the information, because this isn't a run of the mill. You know, here's what you do, get pre approved. This isn't what the realtor does. And here's your certificate. An hour later, this is a full day. It's intensive, and so people come back, so they make sure that anything that they weren't sure of, they pick up right, and they understand, and they do. And how many conversations have we had with people in the process that they're like, I remember that I do, I've been budgeting, or I paid this down to under 30% lots of little things. But one of the bigger things after any of our classes is people are always kind of perplexed on what to do next. What is the next? That's always the question, you know, it's, you know, that's where you start looking at getting pre approved, applying for a mortgage, that kind of stuff. And that's the stuff that always seems very overwhelming to folks, right? So let's just talk for a few minutes about what applying for a mortgage actually looks like. It doesn't have to be scary. It doesn't. There's stuff that you know, I know in so many instances there's some frustration during the process, and I think that we should talk about that today. So let's start. Let's just start with you decide that maybe I want to buy a house. I've never owned a home before, or I haven't purchased in a very long time. I've owned my current place for, you know, 10 years, right? I don't do this every day, and obviously things look different today than they look 10 years ago when buying a house. What does it look like? So I call you on the phone. That's just an initial assessment, right? That's just an assessment, just a conversation. Yes, yeah. So we'll have a conversation. We

Roland Daniels 21:49
name it like your your dreams and goals. Call I love it. We make it simple. We try to ask you different questions to figure out where you are in life, right,

Heidi Griffith 21:59
and what and what your goals are. Because, you know, so many people, when we pre qualify or pre approve someone right when we're looking at all of those numbers, we'll let you know what the most you qualify for is. Does it mean that you have to use it all absolutely so that's why we would like to have that assessment call so we can figure out what your true goals are. You know, if you just want a condo, a one bedroom condo, then, and you qualify for $900,000 then maybe you're not going to utilize all of that, but figuring out what you're looking for is the great first step. And then that way any of those questions that you have as you're driving down the street thinking about buying a house, this is a great time to get those out of the way, right, right, and then you can apply, right? So we're going to take some information. We can actually take the application over the phone the first time during that assessment call, or we can schedule another time. We do a lot of phone applications. What? 15 minutes maximum, right? Just to get the information. If it's more, you know, fitting for you, we certainly meet folks face to face, have an in person meeting where we can do the application. And then what if you're, you know, somebody who works a lot of hours and does everything on your phone, right? We can do it online. You can actually do we have an app. There's an app for that in the comfort of your home, absolutely. And so that way, you know, if you're looking for documents where there's a question, in case, you know, we ask questions like, How much do you make? A year growth, right? You might think about what you make an hour. You might not think

Roland Daniels 23:23
about or you might be thinking about your net, right, right, right? But we use gross, we use growth.

Heidi Griffith 23:27
So that's good. Remember that, you know, we're not using what you're getting paid on your paycheck we're getting. We're using everything, including the taxes that we're taking out and all of that kind of stuff, as your income, right, qualifying income.

Roland Daniels 23:38
And then part of the assessment is just simple questions on like, how long do you plan on living in the home, right? How long do you plan on being in

Heidi Griffith 23:47
Las Vegas? Let's talk about, why do you ask that question? I like that one, how long

Roland Daniels 23:50
do you plan on living in the home? Okay, so maybe you're only going to be in Las Vegas for six months or a year, another city, it may not make sense, because you don't have enough time to reap the benefits of building equity. So it all depends,

Heidi Griffith 24:08
right? If you, if you planned on purchasing a home, and then you're you have to move out of town for another reason, then renting is always an option, right? But you can't purchase a primary residence with the thoughts of renting it in six months. Can you? You're not supposed to No. You can't No, but life happens, and there are, you know, circumstances where that would be okay, yes, but if you're planning on leaving town and you just want to buy an investment property, it's probably best at that point to go in as an investment property.

Roland Daniels 24:32
And we also want to know what kind of a payment are you comfortable with making those payments every month? It's one of the first questions we ask. We don't want you to be house poor. We want you to be able to afford that payment, because we want to put you in a position where, down the line, we want you to buy additional properties. We want to help you build that residual income that will help you build that generational wealth,

Heidi Griffith 24:56
absolutely and even if investment properties aren't your. Thing, because it's not for everyone. Being an investor is not for everyone, but you hit the nail on the head with that. We want people to be successful homeowners. We want to set you up for success. And I mean, we've had conversations with people, you know, showing pros and cons. You ultimately make the decision, it's your purchase, right? But we're going to give you all of the tools necessary to make the best decision for you and your family. So no, we don't want people to be house for we do not. That's not a good way to start a relationship. That is not a good way to purchase home, is it?

Roland Daniels 25:30
It is not. We want you to be the most successful homeowner possible.

Heidi Griffith 25:34
That's it, and that that in itself, will create generational wealth. It will. We want you to thrive absolutely so. So you decide that you're going to do that, you you fill out the application. Now, we're going to need some documents, aren't we? We are. We're going to need some documents that, you know, the first round of documents, pretty basic. We're going to need your ID, copy, your social months worth of pay stubs,

Roland Daniels 25:55
30 days worth. So if you're paid weekly, we will ask you for your last four if you're paid bi weekly or BI monthly, we'll ask you for your last two right? What about bank statements? Bank statements, we need two months, two months. We need all pages. We

Heidi Griffith 26:09
need all pages. So this is one that we see happen a lot, right? You've got a there are bank statements. I my bank statements always have a blank page, and it will say right on it, This page intentionally left blank right, and people don't send those in. We need those. Why do we need those blank pages? So if you've got a six page bank statement, and the last page says blank, why do we need all six pages? Because

Roland Daniels 26:33
on the bank statement, it says one of six, and the underwriter needs to make sure that everything is in order.

Speaker 1 26:39
What's on page six that I'm not saying, right?

Roland Daniels 26:43
You know, it could be some, some debts that didn't show up on the credit report, and

Heidi Griffith 26:48
the underwriter does understand, more than likely, it's a blank page. They just need to see it because they're making the final decision on this, right? They need to see it and say, Okay, that's just absolutely so, so we need bank statements. We need what about tax returns? W twos,

Roland Daniels 27:02
W twos, we will usually ask you for the last two years. So since now we're in 2025 we'll ask you w twos for 2023 and 2024 Okay, sometimes a possibility, we may need your tax returns as well. If you're self employed, we will ask you for your tax return, right?

Heidi Griffith 27:21
So if you're a w2 employee, those are the basics that you need. If you're self employed, we're going to need tax returns. What about a profit and loss

Roland Daniels 27:31
statement? There is definitely a possibility that we will need a updated profit and loss statement for the current year. So since we're in 2025 we'll ask you for January,

Heidi Griffith 27:42
right, right? So those are the basics. So if you're thinking about purchasing a home, you might want to start getting these documents together, because obviously, you can go online, you can get your bank statements, in most instances, with your employer. You can go online, get your, you know, your pay slips, but like, Get get your tax returns, ready and handy. We might not need them, right? But if they're ready, in handy, then it's easy to continue with the flow, because it that's just one of those things that slows the process, that is not having all of the and quite honestly, you know, we watch a lot of people get frustrated in the process, because we will ask for more. Chances are, when you're purchasing home, you'll submit all of your documents. We're going to ask for more documents. The underwriter is going to ask going to ask for more paper, creates paper, or maybe

Roland Daniels 28:24
updated paychecks, bank statements, bank statements, because it's been two weeks. But now we've moved from February into March, okay.

Heidi Griffith 28:33
Oh, we're getting close on time, aren't we? We are. Oh, we're gonna have to continue this, because there's still, obviously more that we need to do to apply for house and

Roland Daniels 28:40
we will Yes. So we hope you've enjoyed today's conversation and learned a little something that helped makes your home buying journey a bit smoother. Remember, buying a home isn't just about interest rates or what you hear from others, it's about making the right decision for you and your future. I

Heidi Griffith 28:58
love that if you're ready to learn more. Don't forget about our upcoming home as possible Down Payment Assistance class with the Nevada housing division. That's tomorrow, February 10, from 11 to 1230 if you have any questions about anything we covered today, or would like more information about upcoming events, purchasing or refinancing, please feel free to reach out. We're at 702-210-2057, you can also find us on our Facebook page, mortgage matters, radio, join

Roland Daniels 29:24
us again next Sunday at 7:30am right here on K, U, n, b, 91.5, until then, stay informed. Stay confident and remember, stay true to yourself and your mind. Bye. You.