Mortgage Matters

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Roland Daniels 0:43
Good morning, Las Vegas. Welcome to Mortgage Matters. I'm Roland Daniels, a certified mortgage advisor with Geneva Financial. My NMLS number is 355859 Our company NMLS number is 42056 and I'm here as always with my fantastic co-host Heidi Griffith. Good morning, Heidi.

Heidi Griffith 1:05
Well, good morning, Roland.

Roland Daniels 1:07
Good morning.

Heidi Griffith 1:08
Happy Sunday.

Roland Daniels 1:09
Happy Sunday. It's a

Heidi Griffith 1:10
little warm out there, isn't

Roland Daniels 1:11
it? It's more than a little warm. It's hot.

Heidi Griffith 1:14
I've been here my entire life, and every summer surprises me.

Roland Daniels 1:19
I agree with you.

Heidi Griffith 1:20
Every single summer surprises me. Good morning, everyone. Hope you're all staying cool. I'm Heidi Griffith. I am also a mortgage advisor and your director of client services. My NMLS number is 2247754 So Congress just passed what's being considered the biggest housing law in in you know decades. You've probably seen it, haven't you?

Roland Daniels 1:43
I've seen it everywhere.

Heidi Griffith 1:44
It's all over social. It's all over headlines. It's you know, it's made the nightly news almost every single night. It

Roland Daniels 1:50
has, and we've even been having conversations with other individuals who think it's the greatest thing since sliced bread.

Heidi Griffith 1:59
Well, and I think a lot of that comes down to: Are we reading the headlines, or are we actually reading, you know, the law? Because it's a long law, isn't it?

Roland Daniels 2:06
It

Heidi Griffith 2:07
is, and there are some things that have already taken place. A lot of the stuff has not happened yet, and we'll talk about that. Right. I think that there's probably two things that we pulled out of it. We read all 132 pages.

Roland Daniels 2:21
We did.

Heidi Griffith 2:22
It was a lot.

Roland Daniels 2:22
That's a lot.

Heidi Griffith 2:23
But there was two things that we thought we would talk about today. There's no way that we could cover everything in today's show. So we'll get there. We sat down. We read it all. So this this law is called the 21st Century Road to Housing Act, right? It is, and it became law just last week, July 11th. July 11th is when it became law, and there's some stuff that surprised me. It passed with real bipartisan numbers: 85 to five in the Senate, 358 to 32 in the House. That's overwhelming, right? Trump didn't sign it; he didn't veto it. So, under the Constitution, if a bill just sits there past a certain window of time, whether either Trump didn't sign it, he didn't veto it either. So under the Constitution, if a bill just sits there past a certain window without either that signature or veto, it actually becomes a law automatically, and that's what happened in this case.

Roland Daniels 3:20
Right, and I hear a lot of chatter that's saying that the best part of this law is that it was passed, being bipartisan.

Heidi Griffith 3:28
Well, and it is, and so I really had to sit with that. Why? Why did this bill pass? Right,

Roland Daniels 3:34
and not the actual law itself.

Heidi Griffith 3:36
Right. So, yeah, yeah. I mean, so you have to sit and wonder how how did we get a bill passed with so many people in agreement?

Roland Daniels 3:44
Right,

Heidi Griffith 3:45
and so there's a couple of things. First of all, obviously, I think that the overall consensus is we need more attainable, we need more affordable housing in our country as a whole.

Roland Daniels 3:56
Well, of course, and the overall goal was to increase the supply of housing. That's what it was supposed to be about,

Heidi Griffith 4:02
right? Right. But we also know that there's a midterm coming.

Roland Daniels 4:06
We

Heidi Griffith 4:06
do. We know that you know we all want to look good come midterm, and we all want to say we did stuff.

Roland Daniels 4:12
Yes. Come

Heidi Griffith 4:12
midterm. That's just my opinion, by the way. I I highly recommend anyone read the entire bill versus the headline because there is a lot of stuff that's buried in it. Right. One of the bigger things that I think were important to have a conversation about here on the show in Las Vegas, and we've talked about it. We actually dedicated an entire show to it. We did. Is these institutional investors and what that looks like moving forward? We had had a conversation based on the the ruling that Trump had signed back in, I believe it was January, keeping Wall Street out of Main Street, and what that really looked like, and all of those little loopholes that might be in that, and they actually. They kind of change things around. Let's start and talk about that. If you if you listen to that show, the Lead Center for Real Estate, actually right here at UNLV, they pulled numbers. Nearly 100,000 homes were bought by investors in the Las Vegas Valley between 2009 and 2024 You know, 2009 makes a lot of sense. We were just starting to move upwards out of that big crash, right? We were,

Heidi Griffith 5:30
and prices were absolutely ridiculously low in the valley. I mean, astonishingly. And if we think back to 22 or excuse me, 2009 and look at values versus 2026 and they've changed a lot dramatically. They've changed dramatically, and you know during that time frame, North Las Vegas specifically, prices were super low in North Las Vegas, and so it was really attractive to investors.

Roland Daniels 5:59
Right, it was a hidden gem that none of us talked about or even realized until the investors bought up the properties in North Las yeah

Heidi Griffith 6:08
bought up a lot of the properties in Las Vegas. So so let's let's take a look at that 100,000 homes bought by investors between oh 920 24 and then Nevada took a look at that. Nevada really did try and fix that on our own.

Roland Daniels 6:24
We did, we did. We tried to fix it on our own. State Senator Dina Neal brought a deal, right, to cap corporate home buying right here in Las Vegas. She

Heidi Griffith 6:33
fought hard on that one.

Roland Daniels 6:34
She did, but it failed a few times. Most recently, just last year, and nothing to do with Washington.

Heidi Griffith 6:43
Yeah, no, it had nothing to do with this bill. It was a separate state bill. I think she was trying to, you know, figure out how we did cap this corporate investment coming in and buying up our neighborhoods, though.

Roland Daniels 6:57
Right, because it was identified that they were coming in and buying up the properties in different areas right here in Las Vegas and North Las Vegas. Separately, on the federal side, Trump signed an executive order, like you said in January, titled "Stopping Wall Street from Competing with Main Street Homebuyers.

Heidi Griffith 7:16
And that's just what we were just talking about.

Roland Daniels 7:18
And that one had an asterisk next to it, just like Heidi said. We covered this on the show not too long ago, but it did not stop or hinder build to rent.

Heidi Griffith 7:29
Right, these build to rent properties. The the the executive order that Trump signed.

Roland Daniels 7:36
Right,

Heidi Griffith 7:37
there was that asterisk. You know, this covers single family homes in in neighborhoods. There was a lot of you know exceptions to that. The biggest exception was this does not protect or cover these build to rent neighborhoods. The build to rent neighborhoods just kind of happened by accident. Originally, they were being built as rentals for a certain amount of time. I believe that was seven years, right? And then they had to be sold. That was removed, and now we can build these neighborhoods, single-family homes that are completely rentals with no restrictions on them. The the law that just came into effect that's also included in that law. Same asterisks. Now it's a federal law, and the way that it was worded was companies with 350 homes or more. So if you are an investor and you own over 350 homes, you're restricted from buying more existing homes. But you can build these new rental communities. That's still wide open. No restrictions at all.

Roland Daniels 8:40
Right. So that may mean that they're making a whole lot of money. Oh heck yeah! When it comes to the rent,

Heidi Griffith 8:46
heck yeah, we've talked about that. Heck yeah to rent model. I mean, if if it were my company, right? If I was if I was an investor out buying single family homes and that was my business model, and I had a home, you know, let's just say in Summerlin, and I had one in North Las Vegas, and I had one in Boulder City. Right, right. Or if I could bring all of those homes into one location, so now I kind of you know everything's in one spot. Now I can have a property manager on location. Maybe I have a maintenance person that you know is on site at all times. It might make dollars and cents to do that, it might make dollars and cents to do that. And then, you know, who's building these properties, and how is the investor that is, you know, renting these properties? How are they benefiting from the actual construction of them?

Roland Daniels 9:33
So after all of that, the 100,000 homes, Dina Neal, the executive order, this actual federal law. What does it mean for somebody trying to buy a house right now in the valley this year?

Heidi Griffith 9:47
So the law that was just passed.

Roland Daniels 9:48
Yes.

Heidi Griffith 9:49
Nothing.

Roland Daniels 9:50
Nothing.

Heidi Griffith 9:50
It means absolutely nothing. So when we're talking about investors, right? This actually is not going to be enforced until 2027. Say it again. It's not going to be enforced until 2027, and it doesn't touch a single one of those 100,000 homes that investors already own right now in the Valley. So, regardless of how many homes a investor, and we'll just call it a investor, owns right today, they just can't buy any more. They don't have to sell any. They just can't buy anymore after 2027.

Roland Daniels 10:23
So it's a real law. It's just not a real change yet.

Heidi Griffith 10:28
No, no. And if you want to know who actually benefits from this build to rent staying wide open, all of this stuff getting tighter around it, it's not you and me. Really, it's not. I truly believe that it's people that are building these rentals, right?

Roland Daniels 10:41
Right. So, if you have any questions about anything that we're talking about today, you can give us a call or text. That number is 702-540-0420 Once again, that's 702-540-0420 You can find us also on Facebook and Instagram, just search Mortgage Matters Radio.

Heidi Griffith 11:04
I would love to hear your thoughts on it. If if you've got a different opinion than what we're going with, I'm all for creating laws and bills that benefit us. It's all of the stuff that kind of gets thrown into them. That sometimes gets a little convoluted.

Roland Daniels 11:24
I agree because, like I said, it was it was geared towards improving affordability, removing outdated. We need all

Heidi Griffith 11:31
of that

Roland Daniels 11:31
regulation. We need it all, right? Encouraging more housing construction, supporting manufactured and modular housing. Okay, so that's the investors. What else is in this thing?

Heidi Griffith 11:43
Well, you know, also buried in this is the manufactured housing, and this one is one of those things that really makes sense to me. You know, a lot of people hear manufactured housing; it has a bad stigma. I know that California has made it work very well in a lot of areas, and a lot of people will then go well. That's because California is so expensive. Yeah, that's absolutely right. Because California is so expensive, they've kind of had to figure out how do we get more affordable housing that people can own, and so it's actually in the bill. And currently, federal law requires these types of homes to sit on permanent steel chassis for 50 years.

Roland Daniels 12:22
Right.

Heidi Griffith 12:23
This law has actually removed that, and the industry believes. And when I say the industry, I'm talking about manufactured home builders. The industry believes that it could cut, you know, between five and $10,000 off the cost of one of these things.

Roland Daniels 12:39
So when it comes to manufactured housing, and over the years, it's definitely improved because there's a lot of homes out there that I can't even tell that it's a manufactured home while inside. Oh, absolutely! But you can tell from the outside, right?

Heidi Griffith 12:51
Of course, of course, no. And it's real money, right? So if we're if we could save five or 10,000 I don't know how accurate those numbers are. That's just what you know. Builders are saying that that could be a cost savings, but it's not real yet. This isn't a real thing yet, so it's in the law. But HUD actually still has to write the construction standards that don't exist right now. Right. And then once those are written, when they are written, Nevada or whatever state you're in, actually would have to certify our own laws and update them.

Roland Daniels 13:25
Okay.

Heidi Griffith 13:26
So then we still have to think about this, right? HOAs can say no manufactured homes. Right. There's there's a lot of working parts and pieces, and this is one of those sections of this law that goes, yeah, it sounds great. When is this really going to happen, or is it really going to happen?

Roland Daniels 13:48
Right.

Heidi Griffith 13:49
And remember, when we talk about HOAs, HOAs have to follow the law, but they've got their own private contract with the people that purchase in them, agreeing to whatever those restrictions might be, and we got to keep in mind any new affordable housing inventory anywhere, I don't care what it looks like,

Roland Daniels 14:09
is

Heidi Griffith 14:09
going to take a little pressure off of what the rest of us are competing against. So if manufactured homes aren't your jam, because remember, there's a lot of bad stigma around manufactured homes, but if they're not your thing, my thoughts are: if we can create more affordable housing, more safe, more accessible affordable housing, then we're going to take some of the burden off of the other stuff that we're out there doing.

Roland Daniels 14:34
I agree. So, what about

Heidi Griffith 14:37
ADUs? ADUs-that's a great question, right?

Roland Daniels 14:39
Casitas, that that whole thing because we talk about it all the time.

Heidi Griffith 14:43
Yeah, in in law quarters, mother in law quarter, however we call it, they call them you know guest houses, all of that good stuff.

Roland Daniels 14:50
Right, generational buying, and we've told story after story. Hear about different siblings buying together, parents and adult children. Pooling their funds and their resources and what they qualify for, because that's become the easier path to homeownership for a lot of people for a lot here. For a lot of

Heidi Griffith 15:10
people, and we have that conversation. I, you know, I think back to when I purchased my first home. I was 24. I was well below what the average first-time homebuyer is today. I probably, if if I were 24 today, boy, if I was 24 today, but if I were 24 today, I probably wouldn't be able to buy a home at 24 today, today by myself. Yes, if if everything else was the same, my income was the same, you know. And looking back, when I purchased my home, I would have never thought about purchasing with someone else, a family member, a friend, whatever that looks like. But I do know that even in 1995, when I purchased that home,

Roland Daniels 15:52
right

Heidi Griffith 15:52
after moving in and having a really, you know, I paid 102,000 for my first house. I got an FHA loan. It was about 7% That was about rates at the time. My payment was under $1,000 a month. I'm not trying to make everybody jealous. Under $1,000

Roland Daniels 16:09
a month.

Heidi Griffith 16:10
But at that time, $1,000 a month was a lot for me.

Roland Daniels 16:14
Right.

Heidi Griffith 16:14
Personally, I was making 30,000 a year, and so I actually ended up getting a roommate to come and help cover cost, right? So I might not have thought about purchasing with someone because I qualified,

Roland Daniels 16:26
yep.

Heidi Griffith 16:26
But I knew the value of having someone there helping pay a portion of my bills, right? And what we're seeing today in so many instances is that as values continue to rise, and you know everybody's been waiting for the big crash, and there are no indicators that prices are going to do anything substantial coming downward.

Roland Daniels 16:48
Right.

Heidi Griffith 16:48
We do have conversations with people who may qualify to purchase; they just may not qualify to either purchase what they need. You know, or you can't qualify for $150,000 and have two kids, and say the only thing that you can move into is a one-bedroom condo.

Roland Daniels 17:08
Right.

Heidi Griffith 17:09
So we do have those conversations more and more frequently about is there someone that you would be willing to purchase with,

Roland Daniels 17:16
right? A co, even a cosigner or co-buyer, right?

Heidi Griffith 17:19
And but we are seeing, especially with the younger folks. So I'm telling you, I was 24 when I purchased my first home. The average age of a first-time home buyer today is about 42.

Roland Daniels 17:31
So hear that again: 42 years old is the average person buying a home in today's market. The

Heidi Griffith 17:36
average first-time home buyer is about 42 years old. But we are talking with a lot of folks in their early 20s, and I'm proud of them. They they actually see the value of homeownership. They also see the writing on the wall. There will come a point where I may not be able to afford to purchase a home, right?

Roland Daniels 17:56
Because the locals are going to be priced out eventually.

Heidi Griffith 17:58
And so, how do I do this today? I can't do it alone because I have this job. I haven't moved up yet. Maybe I haven't got my degree yet. Whatever that looks like, how do I do this? And they've figured it out. We've worked with several people who have sat down with us and had the conversations, and they've purchased with a sibling, or they've purchased with a cousin, or they've purchased with a parent. You know, we've been in conversations with people that the grandkids are purchasing with grandma.

Roland Daniels 18:24
Yep, I did to

Heidi Griffith 18:25
make it work to get into home ownership, and they're having really honest conversations with one another with what does it look like moving forward. Maybe we don't want to live together forever. Right. Maybe we don't even want to own together forever.

Roland Daniels 18:39
But just to get in the game,

Heidi Griffith 18:40
it's a stepping stone, right? So, not to get off the bill, but there are some interesting things. And so, when we talk about these ADUs, you've probably heard the term, right? They became very popular in California. California passed a bill so that you are able to build ADUs, which are just accessory dwellings, you know, casitas, guest houses, whatever you want to call them,

Roland Daniels 19:02
accessory dwelling units is the official term,

Heidi Griffith 19:04
right? And so there was in a section in this law that addressed that, but it's not new. It's just an update to a loan program that's called FHA Title One, and that actually insures most property improvement loans. This law adds building an accessory dwelling unit as an approved use of that loan, and it actually should allow to raise the loan limit, which has been stuck really low for a long time. So it was really hard to get a loan because the loan amount that you could get was so low you probably couldn't build what you needed to for that dollar amount. Where

Roland Daniels 19:40
it makes sense,

Heidi Griffith 19:41
right?

Roland Daniels 19:41
So, how much are we really talking about?

Heidi Griffith 19:43
Well, the general property improvement loan actually goes up to 70-5000

Roland Daniels 19:48
Okay.

Heidi Griffith 19:48
On the manufactured home side of that same program, the loan limit for a single section home it goes up to from about 60-9000 to over 106,000 and for. A multi-section home that goes from that same 60-9000 to actually up to over 190-5000 and that's close to like tripling the dollar amount.

Roland Daniels 20:09
Right, and with these limits, we're talking about ADUs, correct?

Heidi Griffith 20:12
Yes, yes.

Roland Daniels 20:13
Okay, so think about what that actually means for a family. Instead of an adult child moving into, let's say, a backed into a cramped bedroom, or parents getting priced into assisted living

Heidi Griffith 20:26
that they can't afford.

Roland Daniels 20:27
Right, you can build a casita, and everybody keeps their independence, and the family continues to build equity. Well, then

Heidi Griffith 20:36
that's the bigger one. That is the bigger one, truly, because so many people that we talked to, you know, we just finished our our this month's CPLC class, the path to homeownership, and we spoke to people. I I spoke to somebody who said, you know, I I'm here. I want to I want to learn. I just don't think it's in my carts,

Roland Daniels 20:56
right?

Heidi Griffith 20:57
And we had this exact conversation because she was wonder she's living with mom now, but she's an adult mom's a senior, and she's concerned that if she moves out to go rent something else,

Roland Daniels 21:11
right,

Heidi Griffith 21:12
mom's not going to be able to afford where she's living. She's thinking about the future for mom and does mom go into some kind of assisted living property, but then looking at what it cost for mom to go live in assisted living, she's kind of at this brick wall. So she's like, "Well, what if could I buy with mom? Because absolutely you can, but mom doesn't work. Does mom receive social security? Yes, she receives a pension in social security. So that could be the path forward for them. I agree. We're going to have more conversations about it, but she felt stuck. She was trying to get educated, but she still, you know, mid class was like, "I don't know if we can do this.

Roland Daniels 21:50
Right. So instead of paying two or three separate households all paying rent to somebody else, that could be a real financial stability for multiple generations at once.

Heidi Griffith 22:01
Absolutely, absolutely, and that's and that's the honest update here, right? It's about making it less of a financial burden on all of

Roland Daniels 22:09
us, right? So this is something that is actually usable sooner when when it comes to manufactured how that manufactured housing piece.

Heidi Griffith 22:19
Yeah. So the manufactured housing, like I said, HUD actually still has to write the guidelines. They do. They still. So when we talk about that manufactured, that's not happening. But this Casita AUD, that whole thing, there's some promise with it. I don't have a firm date yet, and it doesn't. But the good thing is, it doesn't need a brand new construction standard that's written from scratch, the way that the kind of that chassis does. It's just going to be an amendment to the loan program that's already running.

Roland Daniels 22:49
Well, and in California, the ADUs have taken off tremendously because they see the value here in Nevada. So, what's the catch here?

Heidi Griffith 22:57
Well, there is one catch, right? 70-$5,000 sounds like a lot of money,

Roland Daniels 23:01
right?

Heidi Griffith 23:02
But let's think about it again. What is it going to cost to build the ADUs? Can actually run higher depending on what size you get, the finishes that you use. You know, here in in Nevada or primarily Las Vegas,

Roland Daniels 23:15
right?

Heidi Griffith 23:15
We call it sticks and stucco, right? So we pour the foundation, we frame the house, and then we typically stuck with, and then we put, you know, usually a concrete tile roof on the property. But what does that actually cost to build? Can we build it for 75,000 So it might cover a smaller casita. It might cover maybe say a garage conversion, right?

Roland Daniels 23:34
Right. Is

Heidi Griffith 23:35
it going to cover a full structure? And keep in mind, as we are lenders, right?

Roland Daniels 23:41
We are.

Heidi Griffith 23:42
Doesn't mean that all lenders are going to accept this program.

Roland Daniels 23:45
That is true. You

Heidi Griffith 23:46
know, lenders first of all they have to adopt the new limits.

Roland Daniels 23:50
They do.

Heidi Griffith 23:50
Then they have to choose whether or not they're going to offer it, and if they do, are they going to place any additional overlays, restrictions on it? It'll be interesting, kind of, to see how this one plays out.

Roland Daniels 24:02
I agree,

Heidi Griffith 24:03
and I think that even different from the manufactured housing portion, the zoning in the HOA side of the ADU isn't stuck waiting on anybody because this is the part that I'm excited about. Nevada passed its own law last year, and I actually just found out about this when I was doing research. It was called Assembly Bill 396, and there was actually a law that says that HOAs cannot prohibit ADUs outright. Now I don't know if that's an asterisk with the outright. I'm going to do a little bit more digging on that, but HOAs can't automatically say no ADUs right here in Nevada,

Roland Daniels 24:43
right? Because the local governments must allow at least the changes. They're saying that it must allow ADUs for Clark County, Washoe County, Las Vegas, Henderson, North Las Vegas, Reno, and Sparks, and they need them to adopt ordinances. Allowing ADUs, yeah,

Heidi Griffith 25:01
and I think this was for all cities over 60,000 people,

Roland Daniels 25:04
right?

Heidi Griffith 25:05
And they actually have to adopt these own by July one. Two weeks ago, Las Vegas actually passed the ordinance on the deadline, so they Las Vegas city of Las Vegas passed it July one, unanimous vote.

Roland Daniels 25:20
Wow! It

Heidi Griffith 25:20
removed the old special use permit hearing that used to used to slow down the process. It was red tape, red tape, right? Henderson updated their rules to comply, and and Clark County dropped their minimum lot size requirements actually back in March.

Roland Daniels 25:34
Wow! So unlike manufactured housing side, right? Of it, this part isn't a maybe.

Heidi Griffith 25:40
No, it's it's already real. It's it's genuinely rare in a whole law that we just have to see how it plays out to see what kind of keeks they run into.

Roland Daniels 25:47
So, does this all will this actually help our buyers? And what actually changes for somebody listening right now today?

Heidi Griffith 25:57
It's a good question. It's a good question. Honest answer: Most of it isn't going to make any changes right now. Investor restrictions aren't enforced. Remember, I said 2027. Manufactured housing still needs HUD to to actually write standards, and the ADU financing needs lenders to roll out new loan limits. Needs to figure out whether they're going to do it or not, and see what that looks like,

Roland Daniels 26:20
but not everything's still on paper.

Heidi Griffith 26:23
Right, right. ADU zoning piece is different. Nevada already told HOAs they can't ban this outright, and here I go again with that. They can't ban it outright. Well, what does that mean? I'm going to do some digging on that one. I'm going to figure that out. Even in Summerlin, even in Henderson, and that part's not coming. It's already happened. It happened two weeks ago. It was finalized with the city of Las Vegas. Maybe none of this is you. You're not buying a manufactured home. You're not building a casita. But like I said, I really believe that every bit of new affordable inventory can change who you're competing against for the house you actually want. So before we get out of here, let's talk fair housing because it's something we care about deeply. We

Roland Daniels 27:01
do.

Heidi Griffith 27:01
Silver State Fair Housing Council is a private nonprofit that's right here in Nevada, and their whole job is helping people who think they've been treated differently in a housing situation because of who they are. They help landlords. They help housing providers understand what the law is and what's really required of them. So here's what's protected under the Fair Housing Act, race, color, national origin, religion or no religion, sex, family status, and disability. Here in Nevada, we actually go a step further, and we also protect sexual orientation and gender identity or expression. The reason why this matters is discrimination almost never looks like someone is slamming the door in your face.

Roland Daniels 27:43
Right, it

Heidi Griffith 27:44
happens with a smile, a handshake, and then maybe a suggestion that you would be happier living somewhere else. So it's easy to miss, even when it's happening to you. That's why the Silver State Fair Housing Council runs testing programs. They actually send somebody out with a story, kind of like a secret shopper. You've got kind of a role that you're playing, looking for maybe let's just say a one bedroom, needing to move in by a specific date, and then that person that's actually going out as the tester, they have no idea why they're even doing it. They don't know what the outcome should be. They don't know if they're the tester or what the outcome should even be. And then maybe an hour later, there's actually a second tester. They have the same story. One thing about them might be different. Maybe the first person that went out has a small child. Maybe the second is a single man.

Roland Daniels 28:32
Right.

Heidi Griffith 28:32
However that looks, right? Most of the time, eight out of nine times, both testers get treated the same. But sometimes everyone's in a blue moon. They're told nothing's available, and an hour later, that second person gets shown two open units. So, if something's ever felt off to you in a housing situation, please feel free to reach out to the Silver State Fair Housing Council. Their number is 702-749-3288 Again, their telephone number is 702749 027493288 If you didn't have time to jot it down, you can reach out to us, and we will be happy to connect you.

Roland Daniels 29:10
If you have any questions about anything that we've talked about today, you can give us a call or text. We're at 702-540-0420 Again, that's 702-540-0420 We'll be back next Sunday morning at 730 a.m. right here on KUNB 91.5 Until then, 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.

Heidi Griffith 29:41
Bye.

Transcribed by https://otter.ai