1 00:00:00,080 --> 00:00:02,400 Speaker 1: One of our listeners wanted us to prank her husband 2 00:00:02,480 --> 00:00:06,160 Speaker 1: because he recently applied for a home equity line of credit. 3 00:00:07,360 --> 00:00:10,399 Speaker 1: He was nervous about what he'd be able to qualify for. 4 00:00:10,840 --> 00:00:14,520 Speaker 1: So we're going to match him with the most financially 5 00:00:14,640 --> 00:00:20,639 Speaker 1: reputable person on our show, Jose. He's going to be 6 00:00:20,680 --> 00:00:24,880 Speaker 1: our loan officer, and hopefully nothing distracts him from getting 7 00:00:24,880 --> 00:00:29,440 Speaker 1: the job done. That never happens. It's your phone tap 8 00:00:29,720 --> 00:00:33,520 Speaker 1: right now? 9 00:00:36,640 --> 00:00:39,160 Speaker 2: Hi, I'm cost Credit Union. Is this Barry Often? 10 00:00:40,120 --> 00:00:40,640 Speaker 3: Oh? Yeah? 11 00:00:40,720 --> 00:00:44,040 Speaker 2: Hi? How are you? I'm doing well? Thanks. I'm calling 12 00:00:44,120 --> 00:00:46,000 Speaker 2: you today because you fill out an application for a 13 00:00:46,040 --> 00:00:49,720 Speaker 2: home equity line of credit with US. Yes, that's right. Well, 14 00:00:49,720 --> 00:00:52,680 Speaker 2: that's awesome. I know nowadays a lot of people need 15 00:00:52,720 --> 00:00:56,120 Speaker 2: that money right tackle projects improvements around the house. So 16 00:00:56,600 --> 00:00:58,600 Speaker 2: I'm just going to ask you some questions so we 17 00:00:58,600 --> 00:01:03,320 Speaker 2: can see what we're working with. Okay, sounds good. Well 18 00:01:03,320 --> 00:01:04,559 Speaker 2: I'm gonna call here guys. 19 00:01:04,600 --> 00:01:14,920 Speaker 3: But wait, no way, guys, big birthday. 20 00:01:15,319 --> 00:01:18,280 Speaker 4: Gosh, what are you doing Margantina? 21 00:01:18,440 --> 00:01:24,520 Speaker 2: You guys are all behind this. Guys, I'm on a 22 00:01:24,560 --> 00:01:27,200 Speaker 2: business call. Can we do this in a little bit? No, 23 00:01:27,319 --> 00:01:27,839 Speaker 2: there's cake? 24 00:01:28,400 --> 00:01:28,560 Speaker 3: No? 25 00:01:28,680 --> 00:01:30,680 Speaker 2: Oh my god. Okay, Okay, I'll be right out. Didn't 26 00:01:30,680 --> 00:01:34,560 Speaker 2: you just speak here out? Well? Oh, I am so 27 00:01:34,720 --> 00:01:37,440 Speaker 2: sorry about that. I'm so embarrassed. Oh what I mean? 28 00:01:37,440 --> 00:01:38,679 Speaker 2: I guess happy birthday? 29 00:01:38,920 --> 00:01:39,479 Speaker 3: Thank you? 30 00:01:39,920 --> 00:01:42,880 Speaker 2: It's my birthday. I'm not very subtle about it. I mean, 31 00:01:43,240 --> 00:01:45,000 Speaker 2: do you want to just call me back later? I'm 32 00:01:45,000 --> 00:01:47,680 Speaker 2: at my phone all day, No, sir, No, Look, we 33 00:01:47,800 --> 00:01:49,880 Speaker 2: have got to get back to your application. We have 34 00:01:49,960 --> 00:01:52,040 Speaker 2: to see what you qualify for. This is an exciting 35 00:01:52,080 --> 00:01:55,840 Speaker 2: time for you. It's not about me today, are you sure. 36 00:01:55,880 --> 00:01:57,920 Speaker 2: I I don't want to ruin anything. It's really not 37 00:01:57,960 --> 00:02:00,440 Speaker 2: a big deal. Absolutely, honestly. They can't need the whole 38 00:02:00,440 --> 00:02:05,040 Speaker 2: cake in ten minutes, right. So anyway, I saw you 39 00:02:05,080 --> 00:02:07,800 Speaker 2: put down on your form your shared household income. Is 40 00:02:07,840 --> 00:02:11,600 Speaker 2: that for this current year or was that last year's annual. 41 00:02:11,680 --> 00:02:13,240 Speaker 1: The last tax year? 42 00:02:13,360 --> 00:02:16,280 Speaker 2: Yeah, well that's great. Based on what I'm seeing, you 43 00:02:16,400 --> 00:02:23,400 Speaker 2: should have no problem qualifying for a I'm really large, guys. No, 44 00:02:24,080 --> 00:02:26,720 Speaker 2: I just told you. I'm on a call. 45 00:02:27,600 --> 00:02:28,120 Speaker 3: We're done. 46 00:02:28,320 --> 00:02:31,919 Speaker 2: No, I'm not done, guys. Hey, you got me though, 47 00:02:32,680 --> 00:02:36,160 Speaker 2: not see gus when coming. Anyway, I don't wish you 48 00:02:36,240 --> 00:02:39,079 Speaker 2: got this. Listen, okay, guys, listen to me to cut 49 00:02:39,080 --> 00:02:41,360 Speaker 2: the music. Cut the music, please, please, please please? I 50 00:02:41,400 --> 00:02:45,920 Speaker 2: told you guys, I'll come out when I'm ready. What No, 51 00:02:46,120 --> 00:02:48,560 Speaker 2: don't boot me. I'm the only one making money for 52 00:02:48,639 --> 00:02:54,640 Speaker 2: this company. Can I finish the call? Sorry about that again? 53 00:02:57,040 --> 00:03:00,200 Speaker 1: You could put me on mute or hold and if 54 00:03:00,200 --> 00:03:01,600 Speaker 1: you need a humanutes, well, if. 55 00:03:01,520 --> 00:03:04,000 Speaker 2: I knew it was coming, I may do that. I 56 00:03:04,160 --> 00:03:06,799 Speaker 2: just really seem to like you. I just go out 57 00:03:06,840 --> 00:03:09,239 Speaker 2: there and celebrate. I know, not a big deal. No, 58 00:03:09,400 --> 00:03:11,440 Speaker 2: I will, and they like me also because I'm really 59 00:03:11,440 --> 00:03:14,720 Speaker 2: good at my job. And so Marcantina probably need to 60 00:03:14,760 --> 00:03:20,320 Speaker 2: read the room a little bit, right, so I admitis sure? Okay, yuh. Anyway, 61 00:03:20,480 --> 00:03:25,320 Speaker 2: so I'm talking about efficiency. Where was I outcome last 62 00:03:25,400 --> 00:03:28,560 Speaker 2: year income? Yeah? So your shared household income? I think 63 00:03:28,600 --> 00:03:31,799 Speaker 2: with these numbers, if I can verify them, it just 64 00:03:31,800 --> 00:03:34,240 Speaker 2: can allow for a pretty big credit line. I mean, 65 00:03:34,680 --> 00:03:36,680 Speaker 2: which you could do a lot. 66 00:03:36,360 --> 00:03:40,560 Speaker 3: With John Lord. 67 00:03:40,760 --> 00:03:45,200 Speaker 2: I said, I want a freaking business, cop am I 68 00:03:45,360 --> 00:03:48,400 Speaker 2: they only want getting work done around here. Don't kill 69 00:03:48,480 --> 00:03:51,520 Speaker 2: Happy birthday. Meet, don't till yell Happy birthday. 70 00:03:53,080 --> 00:03:58,160 Speaker 4: Getting louder doesn't help. Damn music, shut it off. Maybe 71 00:03:58,160 --> 00:04:02,839 Speaker 4: we should celebrate with layouts instead. Yeah, get out of here. 72 00:04:04,680 --> 00:04:06,600 Speaker 4: Sorry about that. I had to put you on hold 73 00:04:06,600 --> 00:04:07,120 Speaker 4: real quick. 74 00:04:07,640 --> 00:04:09,880 Speaker 2: Yeah, man, I wasn't on the hold. 75 00:04:10,240 --> 00:04:10,960 Speaker 1: I heard all that. 76 00:04:11,560 --> 00:04:16,240 Speaker 2: Oh you heard that? Oh yeah, well that's that's unfortunate. 77 00:04:17,720 --> 00:04:19,800 Speaker 2: They are a good group of workers, though just not 78 00:04:19,839 --> 00:04:22,120 Speaker 2: great at listening. Right. You got my back on that. 79 00:04:23,320 --> 00:04:26,360 Speaker 2: Look I get at workplaces are tough. Yeah, but I 80 00:04:26,400 --> 00:04:28,279 Speaker 2: do swear to God if that door opens again, I 81 00:04:28,320 --> 00:04:29,800 Speaker 2: am going to get out of this chair and I 82 00:04:29,839 --> 00:04:33,839 Speaker 2: am going to go belt to ass on somebody. I mean, 83 00:04:35,520 --> 00:04:37,880 Speaker 2: it sounds like they want to do something nice for you. 84 00:04:38,400 --> 00:04:40,200 Speaker 2: Well it would be nice if they just listen to me, 85 00:04:40,320 --> 00:04:43,280 Speaker 2: let me finish my work. So anyway, back to your application, 86 00:04:43,440 --> 00:04:46,120 Speaker 2: it looks good. But my question is, has anyone ever 87 00:04:46,160 --> 00:04:48,080 Speaker 2: prank called you on the radio before? Because if you 88 00:04:48,279 --> 00:04:52,960 Speaker 2: have what, we could give you a bonus discount. Huh, 89 00:04:53,000 --> 00:04:55,680 Speaker 2: Because you're getting phone tap right now by a radio station. 90 00:04:56,760 --> 00:04:57,960 Speaker 2: What the hell is happening? 91 00:05:00,040 --> 00:05:03,960 Speaker 3: It's not a day. 92 00:05:05,040 --> 00:05:07,280 Speaker 2: Wife Michelle set you up. She said she wanted us 93 00:05:07,279 --> 00:05:10,280 Speaker 2: to prank you. Oh my god. She said your birthday 94 00:05:10,360 --> 00:05:12,200 Speaker 2: is coming up, but she wanted to three surprise party. 95 00:05:12,200 --> 00:05:14,839 Speaker 2: But we thought it would be way funnier if you 96 00:05:14,920 --> 00:05:17,280 Speaker 2: just had to listen to someone else's surprise party over 97 00:05:17,400 --> 00:05:24,479 Speaker 2: and over and over. That Happy birthday from Brooking Jeffrey Berry, 98 00:05:24,720 --> 00:05:28,240 Speaker 2: but you got denied that loan. All right, I gotta 99 00:05:28,240 --> 00:05:34,039 Speaker 2: hang up now, Okay, week up. Every morning was funk 100 00:05:34,080 --> 00:05:38,000 Speaker 2: taps weekday mornings on the twenties, Brooking Jeffrey in the morning,