Mortgage Matters

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This is a KUNV Studios original program. The

Wesley Knight 0:05
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.

Heidi Griffith 0:43
Good morning, Las Vegas. I'm Heidi Griffith, mortgage advisor with Geneva Financial, and your director of client services. My NMLS number is 2247754. Roland's not in the studio this morning. Hi, Roland. He's actually tuning and he's listening. He couldn't be here. He had some stuff to do, but I know that this conversation that I'm about to have today is really important to him. It's as important to him as it is to me. We're going to be talking about financial literacy again. We say it all the time on the show, but understanding money is not just about your bank account. It affects your credit. It affects your savings. It affects your stress level. You know, this is the kind of stuff that a lot of us were not taught in school. It's something that we learned as life went forward, and sometimes we had to learn the hard way. Back in March, I have the opportunity to sit down right here with today's guest, Jill Aviles. Jill is a musician. She's an artist, and she's a creator of the comic book series Vato Bunny. But she's also someone who's willing to share a really personal part of her life. After attending one of our Nevada Housing Division Home is Possible Homebuyer Education classes, we had a chance to sit down and talk about her financial journey. What really stood out to me was her honesty. She wasn't pretending to have all the answers. She openly shared she hadn't grown up learning about money, credit, or budgeting. Instead of letting that hold her back, she decided to start asking questions, learning how the systems worked, and starting to take control of her own financial future. Thank you so much for being here, sitting next to me, Jill. Welcome. Thank

Jill Avilez 2:24
you, Heidi.

Heidi Griffith 2:25
Good morning. Good

Jill Avilez 2:26
morning. How are you today? I'm wonderful. How are you?

Heidi Griffith 2:29
I'm I'm so happy that you're in studio. Your story is so inspiring. I can't wait to get into it before we jump into everything, and we're going to talk about everything that happened over the last six months. Let's go back to where you and I first met. We actually first met at a Path to Homeownership workshop with with the Nevada Housing Division. It was an in person class,

Jill Avilez 2:50
free classes that you can sign up. Anybody that can sign up to that's right. We actually

Heidi Griffith 2:54
have a class coming up. Our next class is actually going to be online. It's august 10. That's a Monday. It starts at 11 a.m. It's over by 12:30 in the afternoon. It's a really I like the online classes because they're just more flexible for folks. So you can do it from your couch. You can do it from your car as long as you're not driving. You can do it from your. Please pull over or have someone else driving. It's hard to take notes while driving. Absolutely. If you can take you know a little bit longer lunch break. You can take it on your break. What made you sign up for that class?

Jill Avilez 3:23
Because I found out all the information on the website, and I wanted to learn it in person and to be able to see what what systems I could create by taking the class. You can always you sometimes you need that physical learning aspect of it of it. You know, there's only so much that you can learn from just online or whatever. You know, you need some. The best thing about it was being able to ask questions. And what happened after the class is because a few of us stayed to talk to you and some of the other speakers that day to to further our education.

Heidi Griffith 3:55
Absolutely, absolutely. So you went to the Nevada Housing Division site. You were looking at down payment assistance programs and just what was available.

Jill Avilez 4:02
What was available? What is what is offering here? What what are the offers here in Nevada? It's surprising. Yeah, I am so surprised that they have so many different programs that are available. A lot of them that I don't qualify for, but there are um. But there's a lot that you do. Yes, yes. But there's a lot of things that um that a lot of other people have access to that makes it a lot easier too, and you wouldn't you wouldn't know unless you you took those classes.

Heidi Griffith 4:26
Well, we talk to people all the time, and I don't know how many times a month I hear I heard there wasn't any programs available anymore for one reason or another. Maybe the lender doesn't do a specific program. Maybe they got misinformation. I know that there was a rumor that was floating around for a long time that because federal money wasn't available, there there is always money available. And the great thing about the Nevada Housing Division is they do they have programs that fit all different kinds of people's lives. So you could be a first time home buyer and utilize the program, but you don't have to be. You could actually own a home in another state, and they have a. Program available. They have programs available for K through 12 school teachers in public school, and that's important because our teachers are super important, right? They've got programs available for veterans. So there's programs that fit pretty much everybody. That's what

Jill Avilez 5:14
I'm talking about. That's beautiful, and it also breaks down the mystique that of all of us growing up thinking we'll never be able to buy a home without this amount of money saved, or without without having this crazy income from our job, and so it makes it really that home is possible. It's achievable. It is,

Heidi Griffith 5:35
and I love that, and I love that you do all the research because a lot of people they stop when they hear no, you you don't stop. You never. I mean, we've had so many conversations, and you do not. And I love that about you. But but this class just kind of opens the doors to opportunity. There are other programs outside of the Nevada Housing Division programs, but this is this is just a step, right? This is just one step towards your future, and like I said, you and I have had tons of conversations since then, and I've watched you grow. You've watched you grow, and you're just armed with information now. The average home buyer takes seven years to save for their down payment. Seven years is the average. The average first time home buyer is 42 years old in the world that we live in today. So knowledge is power, but down payment assistance-it takes someone who qualifies for a mortgage because they qualify for the actual payment. It's saving for that down payment. But that's not even what we're here to talk about today. We do have a class for that. If you want to register for our August 10th Home is Possible class with the Nevada Housing Division. You can give me a call or text me. My phone number is 702-540-0420. Again, that number is 702-540-0420. You can also head over to our Facebook page, Mortgage Matters Radio, where we drop the link to register there as well. But we are here to talk about some fun stuff, right? It's six months later.

Jill Avilez 7:02
Yes,

Heidi Griffith 7:03
you sat in that chair almost six months ago. I know we actually just looked at your ledger.

Jill Avilez 7:07
Yeah, and my extra nerdy ledger.

Heidi Griffith 7:11
Let's all be nerds. Let's all do this because sometimes

Jill Avilez 7:15
you got to be extra to get where you're at, you know. And that's that's. I have never been unprepared, and I will say that.

Heidi Griffith 7:23
But you were unprepared at some point at some because we all heard once you make

Jill Avilez 7:27
a plan. Once you make a plan, I have not been unprepared, and that's it. Yes, but you don't know what you don't know until you don't know it, and that's I think where I was at.

Heidi Griffith 7:35
And but you're not there anymore.

Jill Avilez 7:36
Not anymore. But you're

Heidi Griffith 7:37
not there. So let's just kind of give listeners who might not have tuned in six months ago? Kind of a little bit of background. So you are you are a musician. You're no longer a a musician that goes out and tours, but you were a musician. That was for a long time. She's a big deal.

Jill Avilez 7:54
Not really.

Heidi Griffith 7:57
You're you're an artist. Yes, for sure. For sure. Tell me about Vato Bunny in like one sentence.

Jill Avilez 8:02
Vato Bunny is my comic book series about a Vato Bunny from Easter LA.

Heidi Griffith 8:08
And where did that idea come from?

Jill Avilez 8:10
I'm a artistic and just making jokes that I had to put my foot in my mouth, and you never know what you can do until you try. And then I came out with six books later. That's so and you and alternate reality comics right here in the local store. Yeah, where are they located? Right, right on Hacienda and Eastern, run by Ralph Matthew. It's called Alternate Reality. Alternate Reality. Such an honor to be included. Hi, Ralph. Such an honor to be included, just in general, you know. And I want to get back onto the series once I.

Heidi Griffith 8:38
And are are there copies of Auto Bunny now? Yes. Yes. So, if anybody's curious, because I've seen the artistic renderings of Vato Bunny, it's amazing. It's so adorable. I love that you do that. That that's your that's your passion.

Jill Avilez 8:52
Yes.

Heidi Griffith 8:52
But bettering yourself was a big one, right? Yes.

Jill Avilez 8:55
Oh, that that is number one. Is is reinvention and evolution. So, what

Heidi Griffith 9:00
were you taught about money?

Jill Avilez 9:02
I was taught go for broke. That was my my dad's famous words for us.

Heidi Griffith 9:06
And what does that mean?

Jill Avilez 9:06
It means you can't take he we lived. You can't take it with you when you go. Right. So it was more important what you use it for in the presence. And we use we use that line a lot with seeing movies and and and filling ourselves with art when we every time we we'd go to rent movies or we'd buy movies we buy 10 at a time and it was because we were educating ourselves and we talked about it and everything so maybe a bill

Heidi Griffith 9:34
or savings or rainy day there were

Jill Avilez 9:36
many times yeah oh we never had rainy day funds and that's what I that's and that's what I say. I told you, and I tell everyone. You know, I don't want to be the same as my. I don't want to live the same life as my parents. I want to give them what I could. They couldn't give me in my own sense because my father passed away, and we had 45 cents in our account. And that, to me, is just saying something. One about the way he lived his life. And that also that it's better to have a knowledge because I a knowledge of financial literacy because we didn't I didn't grow up with that no one ever talked about it growing up in our home I did see my father pay bills and we were never like behind but I think most people have experienced the lights going out on them, absolutely, or the hot water going out on them and stuff like that.

Heidi Griffith 10:26
And that's why I say we we don't learn that you know you don't learn this stuff in most instances in high school. And then if you go on to college, unless you're taking some sort of finance class, it's not really taught either. And then when we start looking at bigger numbers, that's that's a whole different thing. We're talking about you get paid, you know. And now, what do we do? How do we? Because we know life has gotten really expensive. I mean, look at the price of gas. You know, I just spent over $5 to fill up my tank a gallon, and so we know that things are more expensive. So we know it's just that much harder in today's world with trying to budget, but I really I love what you did, and so I can't wait to talk about it. So six months ago, you started a journey before you even came to the class. You'd set a plan out, and you're a paper and pen person. I love that because I am too. So now I'm an

Jill Avilez 11:16
Excel person, so I cannot wait. We got spreadsheets. I can't wait to to make all the spreadsheets, but but I've learned it in in a few months too. So you know, but I am very much a old school. Yeah.

Heidi Griffith 11:29
So in the six months, we've known one another for just over six months. A lot has changed. A lot has

Jill Avilez 11:35
changed. A

Heidi Griffith 11:36
lot has changed in your life. So what what surprised you the most in the past six months? Is

Jill Avilez 11:40
my discipline because I think before my discipline was fueled out of a fear that I didn't want to fail or be unprepared for this this transition and trying to get trying to move out. Let's just say not just not just getting being a homeowner, but having to move out and being faced with this big life-changing situation that's coming up, even if it was a year away, I was not ready because I've been in my apartment for 10 years. So, being as disciplined and keeping the momentum, staying inspired, finding new systems and enacting those systems, and just approaching everything in a new way, not from fear, but as encouraging and building something.

Heidi Griffith 12:28
So when you started, when you started, what did you start with financially? What did you start with in the bank?

Jill Avilez 12:36
Well, and it doesn't have to be a number. I mean, did you have $100 between zero and two, you know, you had a buck 50. Yeah, you know what I mean. Like, yeah, because I think I before my the way I I treated my bank account was like was yeah yeah once you get down to zero, that was it. You know, that was it. You know that that's what I that's what I live for. You know, and I was like, I had $100, and I could, I could do this, I could do that, I could do that. But then you know, then I would just build it back up and go back to zero. Build it back up, go back to zero. But that's not, that's that's what is it like the definition of like yeah, it's insanity. Yeah, I was gonna say, yeah, you're doing the same thing over and over. And I was just looking at my bank account and just looking at the balance and not what was pending and going through, and not being aware, having being overcharged, and so, so just my discipline has surprised me by keeping this this meticulousness and being aware. And now that I don't have, I don't, I I'm still disciplined, but I don't have to do a lot of work to maintain that because

Heidi Griffith 13:42
you've watched some real growth in the last six months just by looking. Before we went on air, we were we were chatting and it was great. It was so great that we were talking about you know you pre started before class like you you had everything mapped out and you started to write stuff down but it didn't work out the way you wanted so you just stopped looking at it. Yeah, right. Because I think that's a lot of us, and this isn't you know home ownership. If maybe you're thinking about buying a home, maybe you're just thinking about socking money away to go on vacation, right? But it becomes very difficult. And and I meet so many people, and I know that you know things are getting more expensive, so it is harder to do the hard stuff. But they're robbing Peter to pay Paul. You know, oh, I'll just you know I'll just pay this bill next month and you know push that off and shuffle things around, and it it's a cycle.

Jill Avilez 14:33
All it takes is those little small changes, and that's that. That's my biggest advice for everyone that I've talked to because then I nerd out when I talk to them about it too, or they ask me, is it micro incrementals?

Heidi Griffith 14:45
What does that mean?

Jill Avilez 14:46
You got to start small. You got to start small. So

Heidi Griffith 14:49
what does that look like? Because you're putting

Jill Avilez 14:50
like like every like every other day, I was putting like $5, $6, $10 in either into my savings or in. Paying off a credit card, and that way, so it raises the payment amount. So it's like let's say if if your if your minimum on your credit card is $30, right, you can still pay that $30. But if you pay three payments of $10, right, you're having more payment history on your account. This is you're still adding, you're still getting to that same, let's say, minimum goal, but it looks better because you're making more payments, and so once I started doing little things like that, my credit started going up, and then so but that's all I had because I didn't know how much I was going to have for the next week. My budget, my budgeting skills weren't all the way there, right? So I and when that's why I am my famous thing, like I and I'm I'm addicted to ordering food, guys. Okay, hi, my name is Jill. I love Uber Eats. There's great vegan food in Las Vegas. I will I will support them to the for the life of me. And so, but um, but every time that I wanted to order order food and I made dinner at home. Instead, I would pay myself 20 bucks. I would put 20 bucks into my savings. One because it also it satiate you. We also need to satiate the urge to spend money because we use it as retail therapy. That's dopamine. Yeah, it's it's it's a hit. You know, so I'm still getting that same thing about like I paid myself food. I'm upset about it, and um and so, but I was like, but I'm gonna make the situation better, so I'm gonna pay myself 20 bucks, you know, because I did I I I was able to do something that I didn't, and that's how I started, and that's every time I was paying myself 20 bucks, paying myself 20 bucks. So it also made it like a game. I was encouraging myself because I wanted to put more money in my savings. Right. So then, and by the end of the week, I put I had a lot more money in my savings than I did than I did if I would have ordered Uber Eats, you know, or and ordered food.

Heidi Griffith 16:54
That that's just such a great budgeting tip because we should, you know, there's different budgeting styles, right? Paying yourself first is is a great tool, but sometimes when we're going after that, we're like, but I want I don't know you know I want an energy drink from 711 on my way home, but but if we stop and this is so great that you're doing that, just you know if you don't stop on Wednesday and you normally stop on Wednesday to get that energy drink, take that five bucks or whatever an energy drink costs nowadays, and throw it in your savings account. Pay yourself, and I love that you're doing that for food.

Jill Avilez 17:31
And sometimes I would do even that same thing. Like let's say if I wanted to, let's say if I stopped to go get a $5 drink, or I I went to get coffee this morning, right? I would put the same amount of money that I spent on my coffee also into my savings. So if it was

Heidi Griffith 17:44
seven bucks, you put seven bucks in your yeah. So even

Jill Avilez 17:47
so even the same thing because it's I'm trying to match it and I'm trying to build these habits, you know, and that's that's the best thing that has has has been the biggest thing to skyrock skyrocket discipline is using those micro incrementals because then you almost get addicted to putting in putting putting money away in different places, and it's easy to start with. That's the thing. Well, and I think you said $5 is less intimidating than $100. Heck

Heidi Griffith 18:15
yeah!

Jill Avilez 18:16
And getting to the point where you can pay yourself first is almost like a foreign concept to a lot of people because once you get your paycheck into your account, it's almost like you're automatically paying. But you're also thinking, "I already got paid. No, you didn't. No, you didn't. You have that money is already allocated to some to other places. You did not pay yourself first because if you don't have anything to show for it, if you're hitting that that thing, then you're not paying yourself first. Well,

Heidi Griffith 18:44
and that's that's it is the best concept in my opinion, and it's easy to say it's about execution. And you said that, so when we say that, we know that if we're starting at ground zero, we've got to start small. That $5

Jill Avilez 19:00
is wonderful. So if if

Heidi Griffith 19:02
you can take $1, $1 $55, if you've got $100 that you're not going to spend outside of the way you live, right? Because you actually worked on living broke. That was the words that you used to do the same thing, and that's your concept. But now you're because you're growing that fund, you're growing your savings. You're able to have Uber Eats when the urge strikes, or go to the art store and buy art supplies. What do you think is easier than you anticipated it being?

Jill Avilez 19:36
Is now that I am not, I'm being more honest. That now that I'm being more honest with myself and not hiding that I can treat myself when I want to, I'm actually doing ordering food less. Before, when I was trying to hide it from myself or feeling guilty about doing this every time I did it, then I then once I let let that. Guilt go, then I can I can still able I'm still able to order my food and feel happy about it, and I'm doing it less than I was before.

Heidi Griffith 20:08
Isn't that amazing? Yeah. And what do you think is harder?

Jill Avilez 20:11
What I think is harder is just getting to that goal point. Is getting to that goal point and making sure that I hit those goals because not that I still have fear about it, it's it's not over yet, and I think that's the hardest part. Is this my timeline that I'm working with? That's me specifically that I'm working with is not over yet, so I don't necessarily know like the hardest part of getting to that point yet. So maybe the harder. I don't know if that makes sense. Yeah, no, no, it does.

Heidi Griffith 20:45
No, it might

Jill Avilez 20:45
sidebar. It makes sense,

Heidi Griffith 20:47
and I think that you know, I, I kind of we've talked through your goals, and you have micro goals, right? So you've got micro goals, and then you've got larger picture goals. But here's the thing: regardless of how much we earn, because we know everyone's not out there making six figures every year. We know that that's not reality. There are people, and you know, great, but not all of us do. We know that it's harder to start. But with all of that being said, I think that we're constantly, or we should be constantly growing and evolving. And I think that your goals will just look different a year from now, six years from now, 12 years from now. I don't think they're ever going to go away. No, they're just going to change. And you

Jill Avilez 21:32
have to adjust to the new information that you you you get. Right. You have to evolve with it, and you have to be open to evolving with that. Because what if, like, I have my my emergency savings? I have my emergency savings in my checking account right now. But like, what if something happens? But at least now I'm prepared for that. What if something happens? But it would still hinder my goal. But that's how

Heidi Griffith 21:54
your journey started. I mean, that's how you started this journey because when you and I first talked about why you wanted to start doing what you're doing now, and you're-I mean-you're really doing the basics. You're just taking the basics and you're actually putting them into use. Where a lot of you know, we hear stuff, we you know, we take our planners and we write out our goals for the year, or we do a vision board, or we do that kind of stuff, and we all know. I mean, I-I continue to do this with the gym. I pay a gym membership every single month. The gym is literally a 10-minute walk from my house. I can't tell you less. I need. I'm going to the gym. Right, right. So we we all, I believe, have something that's that. And a lot of times with money, it's it's harder with money, right? Because a bill comes up or something, your journey started because it was tires, right? You needed tires, yeah.

Jill Avilez 22:45
My and my battery. Well, it first started with tires, and then and then when I and that's the tires. I had to get a credit card and was able to get. That's how I got my credit card for the first time, right? And was able and I had started at 540, got my credit card, two credit cards actually to get my tires and went up immediately to 640. Then when I came on, I was at 697, and then now I'm at 725.

Heidi Griffith 23:12
So at six months ago, you were at 697.

Jill Avilez 23:15
Yeah,

Heidi Griffith 23:15
today you're at

Jill Avilez 23:16
um 725.

Heidi Griffith 23:17
725.

Jill Avilez 23:18
And so from a year ago, so I think I got my credit card, my first credit card, maybe in June of last year. Yep, it was in the summertime. It was in the summertime, so in a year. So that's playing the game is possible, right? And it, I don't think it matters what what you're making a month is is if you do those little micro incrementals, that's the payment history is what raised my my credit so much. Well,

Heidi Griffith 23:46
and don't you think that it was easier to pay five bucks this month and five bucks next, or you know next week and five bucks the week after? I would

Jill Avilez 23:54
even go as far as to like make it even dollars. Like I was like, if it was like two 253 90 something whatever, I would pay 397, or and bring it down to 250. Because you made it a game. I mean, I was playing a game, you know, and it was made it fun. It made it fun.

Heidi Griffith 24:08
But your so the story, I mean, just the fact that you sat down, you said you were going to do it. It was hard. It wasn't easy at first, right?

Jill Avilez 24:15
And it's very humbling. It the whole process is very humbling, and because you don't, if you don't, if you've never looked at it, you don't know exactly where everything goes. It kind of is like this magic thing that you just tap, and all of a sudden you have a latte. You know, well, and

Heidi Griffith 24:30
that's what I talk about a lot. I mean, there's a lot of hidden stuff in our things. Roland and I sat down and we looked at each one's streaming services because that's a big thing now. Where you know we got all these subscriptions, and we looked through our bank statements, and you know said, "Oh, I didn't even know I had that. And here it is, you know, $14 a month, and I wasn't paying attention to that 14, those $14, those $25, those $6.95. Add up, don't they? They add up, and so what do you think? Has your relationship with money changed in the past six months?

Jill Avilez 25:07
Yes, we're on a friendly basis right now. I think it was. I think it was your plan. We're working together. We're working together. We're making plans, and we're working together. You know, we want to take a trip together. You know, so we're working. I think it's it's more cordial. Yeah. So

Heidi Griffith 25:25
so you're you're yeah you like it a little bit better. You like it a little bit better. And any setbacks this past six months?

Jill Avilez 25:35
I don't even I don't want to say I don't I don't even think so.

Heidi Griffith 25:40
That's great,

Jill Avilez 25:41
and just in a because I've been in a unique situation where my job did change and stuff like that. So you got a promotion? Yes, congratulations! Like I've tried to be humble. Because she's a rock star. She is a rock star. I've seen her at work, but but it's like it's a unique situation. So, but I'm not taking it. I'm I'm not taking the my gratefulness lightly with it, you know. Like I'm trying to stay on track and everything that I'm keeping the same foundation. So

Heidi Griffith 26:10
you're living the same way you lived, and

Jill Avilez 26:12
yes,

Heidi Griffith 26:12
you you didn't get promoted to like you're not like the CEO anymore. So, but but you but you're living by the same means as you live. Yeah, living by the same

Jill Avilez 26:21
means, and I'm putting, trying to put everything else extra into the savings, into into my future because now I'm actually future focused, and I want to give myself a better opportunity. And one, I want to give myself a better opportunity than what my parents could have. And because I'm what a few months away from turning 40, I want to have a go into this new decade of life with a better understanding of myself of the world that I was very in oblivious to,

Heidi Griffith 26:54
right?

Jill Avilez 26:54
Like intentionally oblivious to, because I lived in this artistic world where nothing nothing else existed besides jazz and bunnies, and

Heidi Griffith 27:03
you know, and I get that, but I think that a lot of us, I did when I was in my 20s and 30s, I lived in that space, so I can appreciate it. So we only have a little bit of time, but I want you to do this. Let's do something fun. Finish this sentence. Nobody tells you.

Jill Avilez 27:18
Nobody tells you how humbling the experience will be

Heidi Griffith 27:22
saving money actually feels

Jill Avilez 27:25
saving money actually feels exciting now.

Heidi Griffith 27:29
It does

Jill Avilez 27:30
because I want it to grow.

Heidi Griffith 27:32
Hardest habit to break?

Jill Avilez 27:34
Oh, ordering food.

Heidi Griffith 27:35
Ordering food, but now you allow yourself. That becomes part of your family. Let

Jill Avilez 27:39
go of the guilt and shame, and just being more aware of my habits, and I think just awareness-that's

Heidi Griffith 27:46
wonderful. So I've been thinking about our first conversation back then. We talked about budgeting, saving, building credit. Listening to my friend Jill today, I don't think that's actually what changed. I think you became someone who trusts yourself with money.

Jill Avilez 28:01
I didn't even think about it like that. Wow. Okay. Yeah. So I do trust myself. That's yeah. I didn't trust myself. That's actually you blew my mind right now. You you did not you did not share that idea with me. But that blew my mind because I did not. I guess I did not.

Heidi Griffith 28:19
See there?

Jill Avilez 28:20
Yeah. I do trust myself more because I trust my process. I built a process, but it's the hard work that you put into trusting yourself. You got to earn. Now that you said the trust, it's but you have to earn the trust with yourself.

Heidi Griffith 28:32
100%

Jill Avilez 28:33
Yeah, but

Heidi Griffith 28:34
but you also have to believe in yourself.

Jill Avilez 28:35
Yes,

Heidi Griffith 28:35
that's the big one, isn't

Jill Avilez 28:36
it? Yes.

Heidi Griffith 28:37
Okay, so we're gonna get out of here. Chill. Thank you so much for joining me again. I want you to come back in six months.

Jill Avilez 28:43
I want. I can't wait. We'll be. I want you

Heidi Griffith 28:46
in your chair in six months. If you have any questions about anything that we talked about today, whether it's budgeting, credit, preparing to buy a home, or one of our upcoming homebuyer education classes, please feel free to reach out. You can call or text us. We're at 702-540-0420. Again, that number is 702-540-0420. You can also visit us on our Mortgage Matters Radio Facebook page for class registration, show updates, and housing resources. You can actually access our last class from six months ago, and you can hear the repeat on the Facebook page as well. As Roland always says, believe in what's possible, even if you've been told that it's out of reach. And remember, stay true to yourself and your mind. Bye, bye.

Transcribed by https://otter.ai