WEBVTT

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You are listening to the John and
Heidi Show Bonus Hour. If you miss

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any of the program, you can
find a podcast at the bottom of the

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page at Sonny Radio dot com at
Weird Gift of the Day dot com.

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Well, how hope you get ready
for all the fun holidays throughout the year

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with fun, silly and just playing. Weird gift ideas for your friends.

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If you have a friend who has
a bizarre sense of humor, We've got

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a gift for them. Weird Gift
of the Day dot com post a link

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to something that will make you smile
each and every day. Whether you buy

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these weird gifts or not, it's
worth checking out just for a smile.

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Weird Gift of the Day dot com. That's Weird Gift of the Day dot

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com. Thank you for listening to
The John and Heidi Show on a Monday.

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We appreciate you guys so much.
I know it is kind of a

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weird week. It's gonna be like
a full week. I gotta go back

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to work. This weekend was so
nice, it was like a long weekend.

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Yesterday just felt so weird. I'm
like, what day is this Sunday?

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How is it Sunday? We've already
had like three Sundays this week,

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but no back to work today.
I'm excited because I've got not one,

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but two guests joining me. I've
got Brent Baker and his dog. Oh

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yeah, he's getting adorable puppy.
I can't wait to see Brent Baker.

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He'll be here before you know it. A lot of fun stuff to get

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to. Thanks for listening to The
John and Heidi Show. Bonus hour,

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Give you self. It may be
time to get a better credit card.

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Overtime your situation can change. Then
you could qualify for a better credit card,

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one that offers you a better rate, or one that offers miles points,

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cash back, or whatever is the
best bit for you. Check it

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out for free at better credit cards
dot com. That's better credit cards dot

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com. Give you self, God
switch to credit cards dot com. Thank

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you for listening to the John and
Heidi Show. On a Monday, I

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have Brent Baker in the studio.
Hello, sir, and how are you

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this fine day? I am fantastic, and you have your puppy dog.

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I forgot your dog's name. No
Bella, Bella, see, I was

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going to say that Bella just got
up. I was like, yes,

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yeah, I heard my name.
Bella's like your real estate retriever or what

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kind of dog is Bella? We
don't know. Just very sweet. When

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people ask, I say sweet sweet. She is very very sweet, and

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she's always so well behaved. Yeah. We come in here on Mondays and

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we talk talk, and Bella is
sitting in here all the time. But

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she's just she just looked at me. She's like, I heard my name.

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Yeah, where's the treat? Where's
the treat? Oh? Now she

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heard that word. So we better
get through our stuff, so you could

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go spend some time with her.
Let's talk. It's you know, last

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week was Thanksgiving. We're sneaking up
on the holidays. This is a weird

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time of year. But this is
something that can happen anytime of year,

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mortgage mishaps, and we're going to
talk about how to avoid them. So

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let's start with the very beginning.
What's the first thing you can do to

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avoid a mortgage mishap. Well,
don't make a sudden change in employment.

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Oh yeah, those throw things off. You know, you have to be

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established in your workplace for you,
these lenders, these investors who buy your

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mortgage to feel comfortable that you're going
to be able to make the payments.

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So talk that over with your lender. Yeah, before we get too deep.

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Yeah, because if you're getting ready
to buy a house, and I

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see people do that kind of thing, because I think the next one here

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is talking about cars, where they'll
go out and they'll go, oh,

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we're going to get a new house, We're going to get a new car,

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We're going to get all these things. They make all these changes and

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then all of a sudden, hey
you were approved for a mortgage, but

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now you're not approved for that mortgage
anymore. That could be a big problem,

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can't Well, it could be,
and we see it quite often because

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that changes your debt to income ratio. And so before you make that vehicle

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change, make sure you've talked with
your lender, and if at all possible,

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just delay it until after you've got
your home, because all situated right,

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even if the size of the payment
doesn't change, you've increased the debt

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and that's going that has to enter
into the calculation. Absolutely. Sing On.

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There's credit cards. You want to
make sure you stay current with those

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as well, because that could be
an issue too, Kenna, Right,

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That all affects your credit score,
and if they see that credit card debt

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piling up, which here again we
go back to your debt to income ratios.

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You got to keep those things current. Another thing on the list here

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the down payment. A lot of
the time people set aside funds to have

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the money for a down payment,
but then they're looking for a house and

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they go, oh, hey,
but this one's got this big room.

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We need furniture for that, We
need this, we need to You got

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to be careful. You don't spend
that money too right, And that's happened.

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And I can give you many realtor
names or they you know, they

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cringe because they were so close.
People get a house under contract and then

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they go out and start buying furniture
to fill it. Well, if you

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go buy furniture before you actually have
the keys to the house, yeah,

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you probably won't be getting the keys
to the house unless you're in a really,

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really really good situation. Number five
on the list, don't omit debts

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or liabilities from you application. So
this is one of those things where tell

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the truth, the whole truth,
and nothing but the truth. Correct.

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And this because I'm working with these
clients once again, but I remember when

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I was working with them the first
time, they had forgotten about some debt,

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and in fact it was a school
loan. So if you're a couple,

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make sure both of you meet with
that mortgage lender, because in this

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case, he remembered his school loans, but he forgot about hers, and

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that really changed the pictures. So
it's not just school loans, it's all

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loans absolutely, So don't be disappointed
because they will find them and at the

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most inopportune time, and you're going
to be very, very embarrassed and also

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can cause a big problem. Well
correct, and you're going to be a

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lot of heartache. We're going our
way through the mortgage mishaps. Number six,

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we talked about being happy with your
current furniture because you don't want to

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go out and buy new furniture and
mess things up. Number seven, don't

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conduct unnecessary credit checks. So this
I could see making a big difference too,

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because the number of times they check
your credit that impacts your credit score,

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doesn't it correct, and they'll start
docking your score. So if you're

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going to go out, if you're
shopping for a mortgage, don't do one

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this month and one next month.
Do them all very close together within a

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couple of weeks, so that the
credit scoring companies understand you are shopping for

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a mortgage. Yeah, if you
spread those out, then they started digging

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you. No. Number eight is
to check about gift funds. What does

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gift funds mean? So occasionally we'll
have somebody who say mom and dad will

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give them a gift. But this
also has to be on a particular form.

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So if you're borrowing money from XYZ
Bank, you have to get a

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form from XYZ Bank for gift funds, and you know it has to be

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signed, and it's not just mom
and dad said they would, No,

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it has to be signed. Nice. How about informing your lender if you're

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going to change bank accounts. That
probably makes sense too, especially if that

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lender is going to probably want to
know if you're leaving them. But also

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I'm sure there's other reasons for that. Well, there is. Anytime you're

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making big moves, they have to
know why, and sometimes there's legitimate reasons.

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You know, say the bank you
were with is charging excessive fees and

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so forth, and you want to
move because it's not very often that people

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actually get the mortgage at the same
place they have their other accounts, but

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some institutions require that you do have
say a checking account with them or a

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savings account or something. But they
need to know about any changes and why

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I'll be listed and the last on
the list of the ten mortgage mishaps.

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To avoid, just say no when
asking the co sign alone, and I'll

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bet that probably happens a lot where
they're like, well, I can't qualify,

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but if you help me, well, it's one thing to ruin your

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own credit, but it's something completely
different to have somebody else ruin your credit

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for you. It is, and
you would be shocked at how often we

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are have this pop up. Is
It usually like brothers, sisters, aunts,

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uncles sometimes, but sometimes it's non
related. It's a friend. And

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so now that person no longer has
the ability to go out and borrow because

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they are now tied to this debt
over here of another person. So when

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approached about co signing, even for
mom and dad, no oblo, I

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glace, don't. I don't know
what you mean. If somebody does have

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questions, maybe we didn't cover them
here. But again, Brent is a

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real estate agent. If you've got
a question about buying a house, about

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selling a house, any of that. He is a great guy to connect

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with. How do they get ahold
of Brent? I can be found at

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six zero five three to one zero
zero two ninety seven or Brent Baker at

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kW dot com Very nice. You
can also find him online his website Clients

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FirstGroup dot com at Weird Gift of
the Day dot com. Well, I

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hope you get ready for all the
fun holidays throughout the year with fun,

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silly and just playing weird gift ideas
for your friends. If you have a

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friend who has a bizarre sense of
humor, We've got a gift for them.

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Weird Gift of the Day dot com
post a link to something that will

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make you smile each and every day. Whether you buy these weird gifts or

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not, it's worth checking out just
for a smile. Weird Gift of the

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Day dot com. That's Weird Gift
of the Day dot com. Time now

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for this day and Sue Fall's history, brought to you by the Suit Falls

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Fun Page, West, Sue Studios, and Sonny ninety three point three.

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It was on this day, November
twenty seventh, nineteen twenty five. Katherine

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Katie Rogers and her daughter Zara team
up to rob the first State Bank in

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Renter. The dastardly do make off
with one hundred and ninety one dollars from

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their hest. Upon capture, was
discovered that the two had been casing many

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stores in Sue Falls and the surrounding
area, and they even had neighbors complaining

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of items turning out missing while they
were away from home. The two were

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released on a bond and eventually left
the area. This day in Sue Falls

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History has been brought to you by
the Sue Falls fun Page, West Sue

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00:10:20.000 --> 00:10:26.480
Studios and Sonny ninety three point three. Give you sel Fund Credit. It

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00:10:26.639 --> 00:10:31.080
may be time to get a better
credit card. Over time, your situation

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00:10:31.159 --> 00:10:33.519
can change. Then you could qualify
for a better credit card, one that

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00:10:33.600 --> 00:10:37.679
offers you a better rate, or
one that offers miles points cash back,

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00:10:37.879 --> 00:10:41.919
or whatever is the best fit for
you. Check it out for free at

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00:10:41.960 --> 00:10:46.960
better credit cards dot com. That's
better credit cards dot com. Give you

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00:10:46.200 --> 00:10:54.120
sell Fund Credit, Good credit Cards
dot Com. Hey, this episode of

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00:10:54.120 --> 00:10:58.039
The John n. Heidi Show Bonus
Hour is done now. There are times

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00:10:58.120 --> 00:11:03.159
during the bonus how or I'll mention
something from a regular program. The John

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00:11:03.159 --> 00:11:05.360
and Heidi Show, which is syndicated
on like three hundred stations around the country.

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00:11:05.799 --> 00:11:09.639
There's actually a podcast for that as
well, So if I mentioned something,

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they're going, hey, whatever happened, he didn't talk to that person,

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or this didn't happen, that didn't
happen. You can find that podcast

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00:11:16.679 --> 00:11:22.879
at johnand Heidishow dot com. Thanks
for listening to The John and Heidi Show. Bonus Houer