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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: are here illegally, your next you will be fined nearly

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Speaker 1: one thousand dollars a day, imprisoned, and deported. You will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 1: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security.

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Speaker 3: It's a crazy time that we're living in. Everybody knows

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Speaker 3: obviously we in. You know the age of Corona, and

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Speaker 3: I remember texting you like when when Corona first hit.

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Speaker 3: I'm like, yo, that's when the stock market was crashing.

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Speaker 3: And I'm like, there's real estate market about the crash,

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Speaker 3: and he was like, nah, it's not. And I'm like,

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Speaker 3: how people were losing their jobs, stock markets crashing, people

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Speaker 3: can't go to work, like all the writings on the

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Speaker 3: wall for another two thousand and eight to happen, and

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Speaker 3: he was like, nah, commercial real estate might be in trouble,

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Speaker 3: but residential real estate, I'm like, all right, we'll see.

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Speaker 3: And then to this day, it hasn't crashed. It's actually

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Speaker 3: going up. In most most places in America. The price

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Speaker 3: the home prices have actually going up. It's a shortage

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Speaker 3: of our inventory on the marketplace. So where we're at

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Speaker 3: right now as far as the state of real estate

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Speaker 3: in the United States of America.

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Speaker 4: The market is on fire for residential you know. And

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Speaker 4: I told you this back in March. I said, nah, bro,

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Speaker 4: it's not going to happen because with people and everybody

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Speaker 4: was kind of saying the same thing, like, yo, two

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Speaker 4: thousand and eight is coming back. Wait, don't buy, don't

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Speaker 4: buy weight, And I said two thousand and eight was different.

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Speaker 4: That was a credit crisis, right, This is a health crisis.

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Speaker 4: Credit crisis means that banks, Wall streeters, everybody, homeowners, you know, investors,

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Speaker 4: everybody was greedy, you know, appraisers, everybody. Right, So when

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Speaker 4: the market crashed, the government was reluctant on trying to

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Speaker 4: save everybody. They didn't want to bail out everybody, but

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Speaker 4: they had no choice but to bail out the big names. Right.

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Speaker 4: So with this one, I said, now, this is health

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Speaker 4: This has nothing to do with nobody. This is nobody's fault.

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Speaker 4: And if you think about it, if you look at

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Speaker 4: the real estate market going into twenty twenty, it was

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Speaker 4: already on fire. It was due for a correction at

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Speaker 4: some point, because what goes up must have come down, right.

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Speaker 4: But I said, nah, this is not going to crash.

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Speaker 4: There's no way, because the government is going to have

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Speaker 4: to bail out everybody now, right from the big businesses

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Speaker 4: to the everyday person. When you told me that it's

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Speaker 4: going to crash, that's what was in my mind because

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Speaker 4: I knew, especially with the election year, they couldn't just

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Speaker 4: let all these people die, people lose their homes. There's

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Speaker 4: no way. And as you see, all these stimulus packages

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Speaker 4: came out, everybody getting their ppe money and everything.

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Speaker 5: It was recklessly hopefully they wasn't reckless.

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Speaker 4: Hopefully they wasn't reckless, and hopefully they did the right thing.

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Speaker 4: But you know, you have unemployment benefits, people are getting

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Speaker 4: them with ease, with no problem. So you know, you

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Speaker 4: got to give the administration credit for what they tried

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Speaker 4: to do to help as many people as possible. And

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Speaker 4: that's why I just did to feel like the market

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Speaker 4: was going to crash. But residential real estate is on

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Speaker 4: fire right now all over the country. There's thirty forty

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Speaker 4: offers on one house, you know, So if you're a

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Speaker 4: seller right now, if you're thinking about selling your home

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Speaker 4: to upgrade or downsize, this is the time for the

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Speaker 4: sellers right now, because they're going to get twenty thirty

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Speaker 4: percent above asking price on markets right now because it's

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Speaker 4: just too hot right now. It's too many buyers out there,

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Speaker 4: and with these low interest rates, you know, or rates

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Speaker 4: being in the mid twos to low threes, depending on

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Speaker 4: your circumstance, Like everybody wants to buy a house because

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Speaker 4: money is cheap now right so it's easy to the

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Speaker 4: person who couldn't afford the half a million dollar house

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Speaker 4: last year when rates were three and a half four percent.

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Speaker 4: Now it's two and a half.

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Speaker 3: Can can you explain like that, like, because the average

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Speaker 3: person that maybe never brought a home might not fully

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Speaker 3: appreciate because they say three and a half two and

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Speaker 3: a half, it's only one percent, that's not that big

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Speaker 3: of a deal. But because they look at it like

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Speaker 3: it's stocks, Like it's like if you earn one percent,

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Speaker 3: you know what I'm saying, or just regular life, one

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Speaker 3: percent doesn't move the needle. But in your world of mortgages,

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Speaker 3: one percent is huge, right, So if you kind of

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Speaker 3: put that in perspective out, yeah.

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Speaker 4: I mean, look, one percent depending on your loan amount, right,

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Speaker 4: that can be three four five hundred dollars a month.

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Speaker 4: That could be six thousand, eight thousand, ten thousand a year,

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Speaker 4: depending on the size of your loan.

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Speaker 2: Right.

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Speaker 4: So the big of the loan, the lower the rate,

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Speaker 4: the cheap of the payment.

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Speaker 2: Right.

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Speaker 4: So someone again who couldn't afford the five hundred thousand

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Speaker 4: dollars home or get pre approved for a five hundred

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Speaker 4: thousand dollar home a year ago because the rate was

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Speaker 4: probably three and a half to four percent, now they're

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Speaker 4: able to because now that brings their payment down and

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Speaker 4: they're able to get approved for now that higher amount,

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Speaker 4: so one percent is huge in the real estate. In

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Speaker 4: the mortgage world, interest that you're going to pay over

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Speaker 4: the life of the moment is also very important too,

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Speaker 4: because if you're looking at any house that you buy,

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Speaker 4: let's face it, right the way the mortgage in the

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Speaker 4: banking system is set up, it's you know you're going

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Speaker 4: to pay interest three times more earners.

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Speaker 2: What's up?

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Speaker 5: You ever walk into a small business and everything just

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Speaker 5: works like the checkout is fast, the receipts are digital,

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Speaker 5: tipping is a breeze, and you're out the door before

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Speaker 5: the line even builds odds are they're using Square. We

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Speaker 5: love supporting businesses that run on Square because it just

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Speaker 5: feels seamless. Whether it's a local coffee shop, a vendor

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Speaker 5: at a pop up market, or even one of our

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Speaker 5: merch partners. Square makes it easy for them to take payments,

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Speaker 5: manage inventory, and run their business with confidence, all from

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Speaker 5: one simple system. If you're a business owner or even

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Speaker 5: just thinking about launching something soon, Square is hands down

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Speaker 5: one of the best tools out there to help you start,

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Speaker 5: run and grow. It's not just about payments, it's about

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Speaker 5: giving you time back so you can focus on what

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Speaker 5: visit Square dot com backslash go backslash eyl to learn

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Speaker 5: can keep pushing your vision forward. This episode is brought

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Speaker 5: to you by P and C Bank. A lot of

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Speaker 5: people think podcasts about work are boring, and sure they

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Speaker 5: how they achieve leave their success little by little, day

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Speaker 5: the PNC Financial Service Group, Inc. P and C Bank

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Speaker 5: National Association Member FDIC.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: were here illegally, your next you will be fine nearly

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Speaker 1: one thousand dollars a day, imprisoned and deported, you will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 1: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security.

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Speaker 4: Put him with the houses actually work. But if you're

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Speaker 4: getting a cheaper interest rate, that softens the blow a

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Speaker 4: little bit, and now you can focus on your debt strategy,

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Speaker 4: which is repaying back your debt and trying to beat

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Speaker 4: that interest trap. You know what I'm saying, and you

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Speaker 4: know little things you can do to do that. You

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Speaker 4: can make one extra payment a year, and you can

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Speaker 4: pay off your loan in twenty two and a half years.

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Speaker 4: If you have a thirty year mortgage. You know what

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Speaker 4: I tell folks all the time, take your income taxes

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Speaker 4: refunds right and apply that every single year to your

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Speaker 4: partical balance. That could bring down your debt. You can

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Speaker 4: do as little as one hundred dollars a month to

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Speaker 4: your principal balance and you'll be surprised how much interest

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Speaker 4: you'll save on your mortgage, especially if you plan on

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Speaker 4: living in the house the long term, the full term

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Speaker 4: of thirty years. You don't want to just make your

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Speaker 4: regular payment because you're gonna pay you know, on a

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Speaker 4: three hundred, four hundred thousand dollars home, you may pay

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Speaker 4: back eight hundred thousand.

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Speaker 3: Now that was a gym, what you just said. And

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Speaker 3: I learned that in business. I don't want that to

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Speaker 3: go on people's head. When I first got into into

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Speaker 3: the industry working in finance, I learned that like one

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Speaker 3: extra payment a year on your mortgage cut seven years.

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Speaker 4: Off of your mortgage absolutely, or eight seven to eighty

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Speaker 4: twenty two and a half years.

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Speaker 3: Yeah, So that's that's huge if you really think about it,

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Speaker 3: it's like one extra payment a year absolutely can really

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Speaker 3: take almost a decade off like.

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Speaker 4: Basically, and it has to be towards your principal balance only.

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Speaker 4: So if you're making a payment, you can't give the

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Speaker 4: bank money because they're automatically going to apply it to interest, right,

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Speaker 4: because you have to direct them where you want that

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Speaker 4: money to go.

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Speaker 2: How does that even look?

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Speaker 5: So if my mortgage is three thousand, I gotta pay

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Speaker 5: six thousand if I'm doing it.

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Speaker 4: Yeah, so if your mortgage is three, you can pay

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Speaker 4: six and you can tell them the difference to go

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Speaker 4: to principal balance only. Some online everything's online right now

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Speaker 4: with all the banks, right so you can go pay

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Speaker 4: your mortgage and you can specify their two principal balance only.

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Speaker 4: You can write a check, put on a check two

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Speaker 4: principal balance only. So, depending on how you pay your mortgage,

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Speaker 4: do that. And if it's not an online option to

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Speaker 4: pay extra, call the service and lender that you're paying

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Speaker 4: your mortgage too, and figure out a way to accomplish

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Speaker 4: that goal. Maybe they can just do automatic draft from

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Speaker 4: your account something like that and set it up to

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Speaker 4: where you can make that extra payment. You know, and

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Speaker 4: you'll be surprised if you make two payments extra year.

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Speaker 5: That's what in my mind, I'm thinking that if I

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Speaker 5: make two extra payments now that's seven ers of the

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Speaker 5: fourteen I'm really out of fifteen year mortgage basically.

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Speaker 4: And I'm glad you brought up fifteen year mortgages, right,

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Speaker 4: especially right now, folks want to go into fifteen year loans.

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Speaker 4: And look, the fifteen year rate, the lowest I've seen

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Speaker 4: it since we've been in COVID was around two percent,

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Speaker 4: which is phenomenal. Right, that's incredible. But what I try

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Speaker 4: to tell people is maybe not going to that fifteen

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Speaker 4: year right now, because life happens. Right, you're committing yourself

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Speaker 4: to a much higher payment, and what if you know,

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Speaker 4: COVID twenty one comes God forbid and it's worse, worse

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Speaker 4: strained than this. Now you're committing yourself to that higher

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Speaker 4: payment just to try to pay it all early, when

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Speaker 4: you could have went to a thirty year, had a

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Speaker 4: cheaper payment, and just manage your principal balance yourself. That way,

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Speaker 4: you're not committed to that fifteen year term or that

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Speaker 4: twenty year term. You stay with the cheapest possible payment,

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Speaker 4: but still you're paying down your debt, you know, so,

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Speaker 4: and I'm not against twenty year mortgages. I think for

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Speaker 4: the right people it works, right people who have substantial

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Speaker 4: income and they can really afford the payment. But most

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Speaker 4: people are trying to pay off their long fast, which

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Speaker 4: I get, but they're now cash strap, right, they're becoming

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Speaker 4: house rich and cash poor because they're making their payment

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Speaker 4: so much higher because they're just focusing on I just

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Speaker 4: want to get rid of it, which again I understand,

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Speaker 4: but you got to be a little bit smarter right

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Speaker 4: now because anything could happen. As we've seen. We woke

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Speaker 4: up in twenty twenty Kobe dead with God bless you know.

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Speaker 4: Then COVID came. Like this year has been crazy, you

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Speaker 4: know what I'm saying. So like if this doesn't teach

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Speaker 4: anybody anything, you got to have cash flow right now.

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Speaker 4: You got to have liquidity because anything can happen. So

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Speaker 4: that's why I just try to tell home own, future

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Speaker 4: homeowners and current homeowners who are rEFInd intent if you

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Speaker 4: don't have to go to the fifteen year, just stay

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Speaker 4: with the twenty or thirty years, so that way you

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Speaker 4: can have a little bit more cash flow.

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Speaker 6: My graduates from my school being forced bad drop drop

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Speaker 6: might drop drop drop, an.

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Speaker 1: Illegal alien from Guatemala charged with raping a child in Massachusetts.

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Speaker 1: An MS thirteen gang member from Al Salvador accused of

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Speaker 1: murdering a Texas man of Venezuelan charged with filming and

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Speaker 1: selling child pornography in Michigan. These are just some of

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Speaker 1: the heinous migrant criminals caught because of President Donald J.

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Speaker 1: Trump's leadership. I'm Christy Noman, the United States Secretary of

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Speaker 1: Homeland Security. Under President Trump, attempted illegal border crossings are

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Speaker 1: at the lowest levels ever recorded, and over one hundred

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Speaker 1: thousand illegal aliens have been arrested. If you are here illegally,

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Speaker 1: your next you will be fined nearly one thousand dollars

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Speaker 1: a day, imprisoned, and deported. You will never return. But

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Speaker 1: if you register using our CBP home app and leave now,

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Speaker 1: you could be allowed to return legally. Do what's right.

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Speaker 1: Leave now. Under President Trump, America's laws, border and families

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Speaker 1: will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security,