United Housing with Priscilla Reed #1

We are "Asking the Expert" with United Housing's Priscilla Reed, Home Buyer Education Director and Certified HUD Counselor on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:00):
This probably presents the Ben Johnson Show. Let me you say, Beth, I've.

Speaker 2 (00:07):
Got me first, Let me you say she's gone NAMPI
stop gain.

Speaker 3 (00:24):
No matter of the problem, she can have.

Speaker 2 (00:28):
So a phone and the normal so your mind. She
under the chill me in.

Speaker 3 (00:37):
My hair by chilling you to just keep them.

Speaker 2 (00:44):
When around picking out Bill Johnson Show.

Speaker 1 (00:48):
Because Bell got out.

Speaker 2 (00:50):
In gay Happy, you can hear every day you need
Manabel gotten me up here stopping yay.

Speaker 3 (01:44):
Good morning, good morning, good morning, and welcome into w
d i A The Bev Johnson Show.

Speaker 1 (01:51):
Hello, I'm Bev.

Speaker 3 (01:53):
Good to have you here on this Tuesday, June tenth,
twente twenty five.

Speaker 1 (02:01):
Enjoyed this fababulous day to day. Get ready to put
your ears on.

Speaker 3 (02:07):
As we ask the expert. Our expert is back in
the house from U nine in housing. Our sister friend,
the home Buyer Education Director and certified hood Counselor, Priscilla Reed,
is in the house to talk to us about housing.

(02:28):
When it's your turn to talk, you know you can.
All you need to do is dial these numbers nine zero, one,
five three, five nine three four to two eight hundred
five zero three, nine three four two eight three three five,

(02:51):
three five nine three four two.

Speaker 1 (02:53):
We'll get you in to us.

Speaker 3 (02:59):
And if this day, this day, Tuesday at June tenth,
twenty twenty five, is your birthday.

Speaker 1 (03:12):
Happy birthday to each and ever.

Speaker 3 (03:14):
Want to y'all out there who may be celebrating a
birthday on this day. You know what I say, go
out and celebrate your life.

Speaker 1 (03:24):
You better, you better.

Speaker 3 (03:29):
When we come back, we will talk to our home
Buyer Education Director, Certified HERD Counseling CELERYD. Next with me
Bev Johnson on the Bev Johnson Show only on w

(03:50):
d I A m H. Good morning and welcome into

(04:55):
w d I A The bb Johnson Show. It is
there is a day of pleasure to have you with
us once again on this Tuesday. I'm gonna get it
together Tuesday, June tenth, twenty twenty five.

Speaker 1 (05:07):
Enjoyed this fabulous.

Speaker 4 (05:09):
Day to day.

Speaker 1 (05:10):
As I said earlier.

Speaker 3 (05:15):
That we are asking the expert today back in the
house from United Housing, our home Buyer Education Director and
Certified HERD Counselor is back in the house with me.

Speaker 1 (05:31):
Miss Priscilla Reid. Good morning, Priscilla, how are your sister?

Speaker 5 (05:37):
I am excuse me, I'm okay. I've been dealing with
the cold for like. Oh now, I had to flow
graand to go to the doctor to get some message.
So I'm here much. I'm much better. I'm much better.
I'm not contagious anymore.

Speaker 1 (05:52):
Oh okay, there's not much better. I'm getting ready to
put you out. I don't know. I mean now, Priscilla,
I'm glad to have you.

Speaker 5 (05:59):
I'm not contagious.

Speaker 1 (05:59):
An okay, I'm glad you're doing our way.

Speaker 3 (06:02):
I am.

Speaker 5 (06:04):
It was crazy. I thought it was COVID. I took
the test and it came out of negative. But I
was really but I didn't have a fever, but I
promise you, I was like sick for two weeks and
sow so finally last Twoudas said let me go to
the doctor. So because I couldn't couldn't get rid of congestion.
So I ended up going there, and of course it
gave me a shot and some antibiotics and things of

(06:26):
that nature. So I am here today doing much better.

Speaker 3 (06:31):
So yeah, well, it's always I am glad to have
you here from United Housing because you share so good information.

Speaker 1 (06:40):
And I was thinking in the last couple of weeks.

Speaker 3 (06:44):
Last weekon I've been seeing a lot of stories on
home buying and people getting homes and and maybe I
don't know if it's a little harder now. But United Housing,
as we say, y'all for your our first time listeners
who may be tuning in United Housing, United Housing helps
people to become home owners right for soon.

Speaker 5 (07:05):
That's our mission. That's our mission, and not just to
become homeowner, but to be able to sustain even after
you buy a home. Buying a home is one thing, right,
but affordability is the ultimate. You got to be able
to afford. And so many times what I run into
and well a lot of my clients that what they

(07:26):
want they can't afford. Yeah, you know, unfortunately, home prices
are still excessive based on what we've been accustomed to
in Memphis, and so where they want to go and live,
they can't afford to go live there. And so what
I try to do as a certified hood housing counselor
is to convince them that, you know, buy buy something,

(07:47):
because if you're renting, you are buying a house, you're
just not buying it for you.

Speaker 1 (07:53):
I never thought about it like that.

Speaker 5 (07:54):
Yes you're right, yeah you're buying.

Speaker 1 (07:57):
But it's not for you. It's the rent.

Speaker 5 (08:01):
Yeah, they're the ones who are that's accumulating the wealth.
They're the one who building equity for themselves. So when
you say, well, I don't want to move over there,
and I don't want to do that, but you're you're paying,
you still buying. It's not for you, you're making somebody
else wealthy. So what I try and do is to
talk to clients and say, look, this doesn't have to
be your dream home, right, this could be your starter home.

(08:23):
You know, at least the funds that you at least
now your name is on a on a deed in
the restaurant office on this piece of property right right,
you have all the say so there are things that
you can write off that you couldn't write up as
a renter. You can write off the entries, you can
write off the property taxes and so and then just
you know, stay there so that you can build up

(08:43):
some equity. And the plan is, if you're planning on leaving,
say about five years, build some equity and you know,
pay off some debts and things of that nature, and
you may be able to that home that you've been buying.
You can either keep it or sell it walk away
with the loan proceeds the equity difference in what you
owe and go and get your dream home. Or you

(09:05):
can rent that house out and take the rent now
now somebody else helping you buy a house, and you
can take that money and help pay for your your
dream home. So there is so many benefits to me
being a homeowner, you know, versus being a renter. But again,
you know, there are just some people won't what they want,

(09:26):
and so they want what they want and they don't
realize it's about the money. It's about the affordability. Because
rent now it is costing twelve and fourteen hundred for
one bedroom apartment, you know, and what we call a
decent area. That's a lot of money. Yeah, you know,
fourteen hundred times twelve months, that's almost twenty thousand dollars

(09:46):
a year that you're giving someone else, right, making them wealthy.
But you can actually put that money on you on
a house for yourself, you know, And you know it
doesn't makes sense to me. Try and get out of
renting if you can, yeah, you know, And that's what
we try to promote. But again, like I said, you know,

(10:08):
some gets it, some don't. So I'm like, well, I'm
not going to move there, you know.

Speaker 3 (10:13):
You know, but and we understand person And I tell
people this all the time. We understand people not interested
in buying a house.

Speaker 1 (10:20):
I mean, that's okay.

Speaker 5 (10:22):
It is because you have to you have to want
to be a homeowner, right because there is responsibilities that
come with being a homeowner. You know, you have to
take care of that house. And that leads me to
my topic today is perservation. Well, I mean, Bill, I
am so sick and tired of going in our neighborhood.

(10:45):
I would just say our neighborhoods our communities and seeing
how we are not keeping it up. And you know,
I am so disappointed because you came to me, and
you came to you not in the house, and I
want to be a homeowner who want to be a homeowner,

(11:06):
and we work with you and we help you, educated
you and you got a loan, you got a house,
and you know, you're all happy, but it seemed like
you lose that pride of ownership somewhere along the way.
I don't know what happens. And when I drive around
and see the state of so our community, it really
it makes me frown because your home. You've been blessed

(11:29):
enough to own your own home, and you should want
to keep it up and take care of it so
you can pass it down to the next generation. We
shouldn't have to You shouldn't have to go into a
neighborhood and know that it's a certain racist neighborhood and put.

Speaker 6 (11:45):
It like that.

Speaker 5 (11:46):
You know, we should be able. We are smart enough
and educated enough to keep up a community. It doesn't
make sense to me. And so when you get my
age and you paid your house off, and people to
pay their homes off, don't want to move again. No,
you know a lot of them can't afford to move
and a lot of them can't afford to move again, right,

(12:07):
And so you you still you know, you still want
your community to look nice. So I'm pleading, I'm begging,
plead and begging. Somebody calling timmy what's going on? I
don't know, but I'm pleading and beg and asking you
all to take care of your property please, and don't
buy a house that you can't afford to take care of.
Take care of your house. You ride around the communities,

(12:29):
but I'm telling you, it just breaks my heart because
I don't know about you, Bill, But I come from
a pop fan. I come from a Pope fan. And
the cotton Fields, Mississippi, right, and to see how we
have probably been blessing progress, we should be overwhelmed with, Joe.
I never thought that I would see African Americans living

(12:51):
in the homes they're living in being I mean, we've
been so blessed, but we don't show it. You know,
we like we get we take it for granted. But
you know, you know, we can end up back there, right,
you know, we can end up back It's like we're
it's like we won't to We want to be in
that type of environment, you know, we want to live

(13:11):
in that type of culture, you know, where it's just
chaos and and homes are just falling apart, and you know,
you know, it seemed like, you know, we got to
change the mindset, right right. A home is a home
is an asset. Let's take care of it. We've been
blessed to be at the cotton Fields, you know, we've

(13:31):
been blessed to be in nice homes and two corngaragas,
three corgaraga. We've been blessed to being home with central
air and heat and electricity. And bathrooms and running water.
I mean, I mean, we've been blessed, right, so let's
take care of what we've been blessed with. You guys,

(13:51):
we are smart enough, we're educated enough, and and you know,
if it's money is an issue, and that's another story
because I know once a long time when we retire,
our income is not the same.

Speaker 7 (14:05):
I know that.

Speaker 5 (14:07):
But let's let's pull together. You have to your children,
you know, your mom and dad every time to help
them fix their house up. I mean, let's work together.

Speaker 8 (14:16):
You know, I know this.

Speaker 5 (14:17):
I found out there's quite a bit of children still
at home with their parents.

Speaker 1 (14:20):
Oh yeah, now, and you know, and.

Speaker 5 (14:22):
The parents trying to take care of the house and
the kids doing other things with their money. Right, It's
like you're staying there with mom and dad, and something
should happen to mom and dad. The house is gonna
pass down, and you all help them, help them get
the house paid off, help them take care of the house.
You see what I'm saying. That home is gonna pass
down to the next generation. So we're all end this

(14:43):
scene together. And even with neighbors. You know, I get
to know my I had a neighbor just move in.
She bought the house on the corner, and I politely
got and I pulled in a drive one day, shoes out.
I went over and induced myself. I said hi, I
told her who I was, I told how long had
been the neighborhood, and I welcomed her. And I was
telling her, you know, and she said, well, look like

(15:04):
I really really not. I said, really nice up here. Yeah, yeah,
I said. We try to do our best to keep
the lungs and stuff cleaned and everything, you know, just
you know, just make her feel welcome. And she thanked
me for introducing myself and all that. Same, like I
want to try to get in their business. I'll just
welcome to the neighborhood and let her know the expectation
exactly that we around here. You know, we keep everything

(15:24):
nice around here. We look out for each other. Just
to let her know that. So I want her to
have that frame of mind, you know that, so she
knows she's moving into a nice, nice area, and we
just want to work together and keep it clean and
make it desirable, you know, understand, make and we want
our egle to grow. We want our egle to grow.
We don't want our house to depreciate. We wanted to appreciate,
and she was very nice. She welcomed that. I wave

(15:47):
her every time I see if she wave at me.
You know, you get to know your neighbors. You don't
have to go and break bridges. Get to know each
other enough so if they do something crazy, you can say, well,
you know, you need to pay that house they're called,
you know, and they won't get a fist. They won't
offend them. But you ain't speaking to them. They don't
want to hear none. You got to say. But I'm
just saying. So we but we teach. We talk about
it all in the class though, Bell, So don't get
me wrong. All this is taught in the class.

Speaker 1 (16:08):
Okay, good.

Speaker 5 (16:09):
All that we talk about is homeowners you're right for
you all the way to how to take care of
the house right, and how to be a good neighbor,
yeah you know those things, and how to protect your home.
So all this is in the class. So, yeah, we
do have a class, come up this stair. As a
matter of fact, our classes are three times.

Speaker 1 (16:24):
So much is that Saturday?

Speaker 5 (16:26):
Will it be in person or virus in person?

Speaker 1 (16:28):
Okay?

Speaker 5 (16:29):
Yeah, And so if you want to come to that class,
you may want to hurry up because they're gon'n close
it out soon because the only can accommodate a certain
amount of people. Okay, the class is twenty five dollars
for person and four dollars for a couple, and they're
filling up, and I guess people, I mean, I guess
people just tied up paying the excessive rent, you know.
And but but you know the thing is that when
they sit down with one of us and we start

(16:51):
to look at their you know, their debts and their
income and trying to see what they qualify where they
may cuire, a lot of them get disappointed because you
know there's backing to move in a certain area. But
you know, it doesn't matter. I had to start somewhere.
You have to start somewhere, you do, and so you know,
we didn't. You know, it's just like a child, a
baby being born. Baby don't be born eating solid food,

(17:12):
you know, they drink milk, and so you have to
work your way up, you know, but stay focused, stay focused,
you know, like stay focused, and just know that you
can do this thing. You know, pay off a few things,
you know, and don't if you want to be a homeowner.
Stop adding debt to yourself, you know, buying cars. I
mean I was looking at one like yesterday, and she

(17:34):
bought a new car like this month. But yet want
to be a homeowner. Those car notes are not two
hundred dollars no more, you guys. They are like seven
eight hundred dollars car notes. And that's a big chunk
of your net income, you see. So we look at
all that because we want you to be able to afford,
you know, where you want baby to baby stay, because

(17:55):
you got to not just pay it, you got to
pay your till. This you got to save, you know,
you got to sell from. This is a whole lot
of expenses and groceries. It's extronomical. So all that thing.
So when we sit down with a certified hood housing
counselor bill, we look at your net income. We look
at your expenses and your habits. We talk about habits

(18:19):
because habits can can be a and a bill, I
mean a debt because you're smoking and you and you spending.
Somebody told me it was ten dollars a pack of cigarettes.

Speaker 1 (18:28):
I don't know.

Speaker 4 (18:30):
Is that what it is?

Speaker 5 (18:32):
That's okay, So ten they say you pack a pack
of date ten times thirty days, and that three hundred dollars, right,
I have to add that in your I got to
look at that because that's because that's part of your
that's part of your expenses, and so you know, and
we want to make sure that you're able to afford
the home, be able to save, be able to pay

(18:55):
extra in the mortage you can go get it paid off,
you know, making sure you are in a good financial position. Okay,
you know it's not to just put you in the house.
I guess yeah, they can qualify and put you in
a home, but can you stay? Are you gonna be? Okay?

Speaker 1 (19:09):
Right, we are talking this morning.

Speaker 3 (19:11):
If you've just tuned in, we are talking with Priscilla
Red of United Housing. She's the Home by Education Director,
certified hood counselor.

Speaker 1 (19:21):
We are talking home ownership. We come back.

Speaker 3 (19:23):
I know Priscilla's gonna talk to us more. If you
have a question or two for Miss Priscilla Reed this day.
Our numbers are nine zero, one, five, three, five, nine
three four two eight one hundred five zero three nine
three four two eight three three five three five nine

(19:48):
three four two.

Speaker 1 (19:49):
Will get you in to us. You're listening to the
Bev Johnson Show on w d.

Speaker 9 (19:59):
I Don't go away. The Bev Johnson Show returns after
these messages.

Speaker 10 (20:05):
Bev jocensial, you know, over the time, working.

Speaker 4 (20:48):
Hard to break you.

Speaker 3 (20:50):
Holladay love saying Holly, good morning and welcome back to

(21:15):
w u d I A. We are talking with our expert,
our home Buyer Education Director, certified hood counselor we United Housing,
Miss Priscilla Reid.

Speaker 1 (21:25):
We are going to our phone lines to talk with you.
Thank you for waiting.

Speaker 11 (21:30):
Hi, Eric, heyscious baby call of Johnson.

Speaker 1 (21:37):
Thank you, Eric, good morning.

Speaker 12 (21:40):
Hey right trash Uh I was uh you know.

Speaker 8 (21:46):
He is question what kind of biggest.

Speaker 7 (21:48):
Dish you Erry?

Speaker 3 (21:51):
Are you on a speaker? Get off that speaker for me? Yeah,
please don't Yeah, get off the speaker so we can.

Speaker 1 (21:59):
Hear your question.

Speaker 6 (22:00):
Wout and clear.

Speaker 1 (22:01):
Okay, Okay, ask the question again.

Speaker 13 (22:03):
Thank you, Eric, You're welcome.

Speaker 11 (22:06):
What kind of uh what kind of uh uh you know,
benefits that all people can get from this program that
it's hostess and hello, uh your.

Speaker 7 (22:17):
Guests, what do you what what what do you what
do you mean?

Speaker 1 (22:20):
What kind of benefits benefits getting from what like.

Speaker 13 (22:24):
I mean, I'm talking about like uh never care or
you know.

Speaker 3 (22:29):
Uh well, hold on, now we're talking housing, Eric, housing,
how to become a homeowner?

Speaker 13 (22:38):
Okay, I called the short of last Okay, okay, no, no.

Speaker 1 (22:41):
You said yeah, yeah, you you own another page. Now
we're talking housing.

Speaker 7 (22:49):
Housing Okay, well what about habitat for minutes.

Speaker 5 (22:54):
They're a whole different agency. We're not a part of them,
so you may want to call them and they can
tell you all about what they do. But they do
help also with coming home owners.

Speaker 7 (23:06):
Okay, bam, I just want to I want to ask
one more question. I'm gonna get off there. Uh I
will just you know, want what well, what happened uh
to black butterfly? Know it's not the subject. What happened
to black butterfly?

Speaker 1 (23:17):
Black butterfly passed away?

Speaker 7 (23:20):
Oh okay, I figured that. Okay, Okay, Well be blessed
and I'm getting thankful for this sport. It's his experience
on Bob Johnson.

Speaker 13 (23:29):
Ten seventy the g I A have a nice days all, thank.

Speaker 5 (23:35):
You, Eric, Bye bye, thank you, Eric.

Speaker 1 (23:38):
Unforgetful.

Speaker 8 (23:40):
They're young.

Speaker 12 (23:41):
You got another grade show and the and the young
lady that you're talking to dealing with how I'm gonna
be honest with you.

Speaker 4 (23:46):
Beb done.

Speaker 12 (23:47):
It's so simple. You know, a lot of people don't
like to do this, but it's the best thing to
do is to save your money. Because she mentioned about
a cigarette. I understand where you come from, because you know,
if you say your money Johnson, that opportunity is right
around the corner, then you're able to do what she say,
like houses and stuff like that. That's our biggest problem

(24:09):
in our comfort better. We always think about debt. I
don't have a credit card. If I did have one,
is to be a debit card. But you know, I
just can't old people ball, you know what I'm saying.

Speaker 1 (24:21):
So do you have a specific question for Priscilla.

Speaker 12 (24:24):
Yeah, the question is when you buy a house, how
can you get past the bank? The third part that
I call and just pay cash and go that route.

Speaker 5 (24:37):
Pay cash just like.

Speaker 1 (24:43):
If you have If you have the cash, pay yes, absolutely.

Speaker 12 (24:49):
But most people think that you you do go that
route because your credit scores and all that stuff.

Speaker 3 (24:54):
I know, if you have cash to let the folks
know I have cash, yes, and I want to pay
with CA that's all you.

Speaker 1 (25:01):
Do a forgifference.

Speaker 3 (25:04):
Okay, well, no, you just asked the question. Priscilla answered,
if you have cash, pay cash. That's all. That's the
bottom line. No ifs ands or butts. That's how you
get the simple question. Simple question, Priscilla. Hey, if you

(25:24):
if you have the cash money to buy a house,
you tell the realtor the people who are who ordered.

Speaker 1 (25:32):
I'm paying cash exactly, and that's all.

Speaker 5 (25:35):
You're doing to worry about going through a bankouse then
they're trying to get approved and all that good stuff. Right, However,
you still need to manage your money. Yeah, I mean,
I don't care if you're paying cash. You still need
to manage your money. If not your money.

Speaker 3 (25:46):
And nowadays and nowadays, before I go to the other
phone line, Priscilla, he said, I don't have credit.

Speaker 5 (25:52):
You always have credit. You have credit with EMAIL, G
and W, you have credit with it with all your
credit those are credit. So you're gonna always have credits.
But make sure your credit is good though. I mean,
you want to you want to be a good steward
as all your fun, you also want to be a
good Stuard's over your credit because your credit is your character, right.

(26:13):
You know, it's a long time ago people shake hands,
you know, and they would, you know, shad with your gun.
But because people renigged on that, now we had to
go to a contract, a written contract. And so your
your credit is your character. It tells a person whether
or not they can trust you exactly. I mean, they
don't know you, and they're gonna get to know you.

Speaker 3 (26:35):
And so and I go back to if you're not
in good staying with m l G. And W see
how you've been paying it. You can't pay that.

Speaker 1 (26:42):
But if you they see you've been trying to pay
your bill, You've done this and this and this, that's
your credit.

Speaker 5 (26:48):
Yeah, they want they're looking at your character.

Speaker 1 (26:51):
Who are you?

Speaker 5 (26:52):
I mean, can I trust you? What kind of risk
am I taking with you? It's just like you and
I ball. You know, you know, I walk there and
I'm asking you for three hundred thousand dollars of my house.
You don't know me. I just walked in here, and
so you have to get to know me. Feel comfortable
enough to know number one, and you're gonna pay me back.
That's the first thing you do. It pull your credit

(27:13):
before they even talk about your income. They won't know
what Let me let me go and see what I'm
dealing with because if your character is not in place,
and I don't care how much money you make, I
just can't deal with you because I know this is
a and most of the time this long is thirty years.

Speaker 1 (27:26):
It's just what I just said.

Speaker 5 (27:28):
You can't you can't pay nobody back in twelve months,
pay me back, and we can.

Speaker 6 (27:37):
I don't.

Speaker 1 (27:38):
I don't know.

Speaker 5 (27:38):
If I can, I'll put I won't take that risk,
you understand. So that's why your credit is so important,
you guys, because talk about who you are, your character.
I rememberhen I used to be an underwriter, and your
credit tells a story. I can tell if you just
person just don't pay your bills, because it's just all
over the place. But then I can see if let's
say you've been paying your bills and they say in
twenty twenty three, I see where things start to be late,

(28:01):
you know, little things like that, and then now it's
twenty twenty four, Now you back on track. That tells
me something happened during that pier because that's not your
normal character. And so a lot of times the bank
will ask what ask the bor what happened during this
period when my spouse died or I lost my job,
and they know this is not this is out of
your character. This is not who you are. So when
they say no to you, not because of that, because

(28:25):
they realize that that's not who you really are. People
have to understand. A bank do not want to turn
down a loan. They make money off interest. That's how
they make They have no other way to make money.
Think about it, A bank has no other way to
make money but off of interest. So they do not
want to turn down your loan.

Speaker 1 (28:43):
Believe me, believe me.

Speaker 5 (28:45):
But it got to make sense. You know, the risk
got to make sense. If the risk don't make sense,
then you won't get the loan. It's just that simple, right.
But your credits. I want you all to hear me.
Your credit is your character. It tells a person about
who you are. Can they trust you or not? And
then another thing too, don't be so much of us.
Don't run up all your credit cards. People get if

(29:06):
you give you a six thousand dollars limit, don't just
run them all up to six thousand dollars, right, because
that's tell them you living off credit. You know, you
don't want to live off credit. You want to manage credit.
But don't live off credit, you see. So that's another
little hint, hint, you know, just stay like fifteen percent
fifteen percent of that and pay on time, pay you know,
pay how you pay, you how you pay, and the

(29:31):
and the balances together is sixty five percent of your
fight ho score.

Speaker 1 (29:36):
Okay, little daddy, good morning.

Speaker 13 (29:40):
Hey, what to do?

Speaker 4 (29:41):
Bill?

Speaker 7 (29:41):
Juste?

Speaker 4 (29:42):
Johnny Green Jazz, Look I got of course for your gibs. Okay,
Bill Jorge, I've been staying.

Speaker 7 (29:47):
I've been staying in the.

Speaker 4 (29:49):
High rise betweeny something year and I paid. I had
been to put my bill in that something most of
my biding out there because you know how these goons are,
you be up I to see. Okay, I understand she
was talking about credit. I'm paying my rent every month
faithfully on time, and I'm doing me. I'm living like

(30:10):
thanks Giving very well. And that that how I little
there of the role my cours is to you.

Speaker 7 (30:16):
What about the credit?

Speaker 4 (30:17):
Well, can I if I apply for a card, you
think I'll be able to get me a credit card?
Because I don't even have one credit card, but I'm
paying my rent for it forever because I like where
I stay and I'm happy in content with what I
stay my quurtion there? How can I get a credit card?

(30:39):
You have to go to a credit Then I got
what more? Course? Excuse me, ma'am, I got what more?

Speaker 9 (30:44):
Person?

Speaker 4 (30:45):
Uh the course and nels. I was telling Bill, I'm
paying all this rent every month faithfully, which is no problem.
My problem is I'm trying to see, can I get
me a walk big on house? And can I writ that?
Can I writ the big room house out?

Speaker 3 (31:06):
You can always get one one bedroom house, little Daddy
would be. You have to know what the rent is
gonna be. It may be better while you're staying here.
But but but but to answer your question, I help
purcill out. Apply for a credit card and see what
they say.

Speaker 7 (31:22):
You have to have to apply.

Speaker 3 (31:24):
Yeah, applied, little Daddy saying, Okay, apply for it, and
all they're gonna tell you yeah your nay, yeah.

Speaker 1 (31:33):
Credit you got one?

Speaker 4 (31:34):
She just said, if you got a one credit I
mean if you pay She said.

Speaker 1 (31:39):
Well they well.

Speaker 3 (31:43):
They look at that and there they'll they'll they'll make
the decision on whether or not they're gonna give you
a credit card.

Speaker 1 (31:48):
You can get a little small credit card.

Speaker 4 (31:52):
I ain't gonna I ain't gonna use the credit card.

Speaker 1 (31:55):
Well apply for it all you have to do. Okay,
Well apply for They have applied for it, and see
what happened.

Speaker 4 (32:03):
Okay, okay, Bib, what what about the one you said
I can okay? Bill? But but where I say I'll
be seeing the other houses like and uh a problem
of complict.

Speaker 1 (32:16):
Where you said you see a telephone number on there.

Speaker 8 (32:19):
I'm gonna let you go, Bill, Okay, I can't say it.

Speaker 4 (32:22):
I'm gonna let you go.

Speaker 1 (32:23):
Okay.

Speaker 7 (32:23):
They the.

Speaker 4 (32:26):
The piver COMFLT Like I said not, I'm not rent plan.
They talk about eight hundred and nine hundred dollars for
one one bet room.

Speaker 1 (32:39):
It's high.

Speaker 8 (32:43):
Problem, so raglar, it's so ragular, it's messed up.

Speaker 4 (32:46):
Well okay, BB, you have a good thing.

Speaker 1 (32:48):
Okay you too, Thank you little daddy. Yeah, but no,
as Briscilla said early, anybody listen, rent is gone up.

Speaker 3 (32:55):
It's gone up. It's gone on, Priscilla. Let me get
this email. Thank you t c TC as Miss Priscilla.
My questions are how often is Section eight offered in housing?
How do I get on the list? Okay, that's one question.
The second question is do you all service Arkansas? Can

(33:17):
Arkansas residents take your.

Speaker 5 (33:19):
Class, Okay, number one. Section eight is not something that
we do it. You're not a housing We are not
a government agency that deals with Section eight. Memphis Housing
Authority is who I recommend that person to speak with.
I do know there's some cases where Section eight can
be used to help purchase a home too. I don't
have all the ins and out, but if she called them,
they'll be able to enlighten her. And and Tennis, I mean,

(33:43):
she says she's a k You're not a housing classes
is national. What I'm saying is that we is your certificate.
And so the certificate is proof that you've actually been
through the home buy our Education class. And so with
that certificate, if you're trying to get down payment assistant
money from a special type of program. It could be

(34:04):
the City of Memphis, could be a national program, it
could be th HGA or any type of assistance. The
likelihood that they're wanting you to have a certificate, it's
going to be like a ninety nine point nine percent
and that's and then that that certificate you presented them
and it tells them, yeah, I've completed the class. And

(34:24):
so that certificate is not the only requirement a lot
of times when you're trying to get down payment assystems
or clothes and cost assistance. That's not the only criteria.
There are other things that you have to meet as well,
but the certificate is one of the primary document you're
going to need if you're trying to get down payment assistance,

(34:45):
a closing cost assystem from any Mostly all entities want
that client to be educated, and the reason for that
is because by the home it's so detailed, there's so
many pieces to this puzzle, and by taking the classes,
it gives you the power to make informed decisions, right

(35:06):
because now you don't have to guess, you know. And
we talk about so much even shopping for how to
shop for a homeworking with relatives, we talk about how
we talk about money management. That is such a big
part of our discussion because even if you're not even
going to buy, you still have to manage your money.

(35:28):
You still have to budget, you still have to save.
And it just amazes me how we so willingly give
our money away to people instead of keeping it for ourselves.
You understand what I'm saying. When I look at bank statements,
see matter of fact, look at before I came here today.
I was going through on a client's bank stap. I

(35:48):
saw DoorDash door dash, door dash, I said, I need
to go in the DoorDash business. I can't believe people
order so much door dash with all those extra fees.
I see cash app, they cash apping people cash apping.
I'm just I see all this money just going in
out their bank account, just like I mean daily and

(36:10):
when I get but I'm getting to add up all
these transactions. And then when I look at the bottom line,
I see you got five thousand dollars went in. Then
I look at your balance, it's like two dollars and
fourteen cents or something like that. Right where did all
your money go? And then I see your saving You
still got the same five hundre dollars you had six
months ago. So what we try to do with you're

(36:32):
noted housing, not just so much of you know, helping
you to be but we want you to be able
to be financial stable, to pay attention because everybody wants
your money, everybody but you, right, I mean commercials, billboards
though it's designed to to convince you to spend your

(36:57):
money with them, and I am trying to say, hey,
pull the brakes on this and begin to save some
wealth for yourself, get into some investments, pay off your
debts right, get out of debt, save your money because bib,
it's not when it's gonna rain. Now, it's not if
it's gonna rain. It's when it's gonna rain. It's not

(37:19):
if it's gonna storm. It's when he's gonna storm. And
you have to say before so that you when those
days come, you have an umburella several umberrellers to protect
you from the from the rain. And that's one of
like I said, that's what we really stress at you.
Not in housing affordability, we talk about that buy what

(37:39):
you're gonna afford, not what Bell have or not what
Priscilla has or not what Buy what you can afford
and have a plan on getting it paid off. Have
a plan with this house. You understand. Yeah, So we
the class is very informative. We talk about all those things,
building your credit, keeping your credit in good standards, learn

(38:02):
how to say no in some cases because a lot
of times we can't say no to children and things
and people. So we talk about all these things and
it's a class, but to me, it's a discussion of
eight hour discussion. We talk about everything and even to
the point of once you buy the home, how to
take care of it, how to take care of your community,

(38:22):
to get involved in your community. We talk about all
these things because it's so important. Home Ownership is a
good thing, but you got to want to be a homeowner.
That's one thing we first talk about. Our first our
first subject is are you ready? Are you ready to
be a homeowner?

Speaker 1 (38:38):
Are you ready?

Speaker 7 (38:39):
You know?

Speaker 5 (38:39):
And that's what we talk about because you have to
be mentally ready to be a homeowner. You got to
be mentored and plus meet all the other criterias, but
you got to be mentally ready to take on this responsibility.
And you should if you, like I said, if you're renting,
you buy it anyway. You just not buying for yourself.
That's just how that is. And so you know, and
a lot of people take they want to buy because

(39:00):
they're tired of their rent going up every year. And
so let me say this, and I tell them all
the time that you know, just because you buy doesn't
mean your mortgage payment gonna stay the same now, because
I always I let them know that because you know,
they have your taxing, your insurance. It's part of your
mortgage payment. So if you're taxing your insurance increases, of
course your mortgage payment gonna increase. But if you have

(39:22):
a fixed rate loan, your rate would never change and
rate would stay the same. But it's but it's not
gonna nearly go up like we see rent is going up.
One lady told me she's in my class. Two weeks ago.
She said, I started out paying seven hundred and ninety
seven dollars. She said, she's been in this house. This
is a third year. It it went up now to

(39:42):
fourteen hundred. I said, it's in double double within three years.
It's hard for you to manage like that. You know,
you get a little raise, your raise is not a
raise because it's got it has to go to rent,
you know, because rent doesn't increase. And so if you
hear me out there, it really conser home ownership. You know,
it might not be your dream home, that might not

(40:05):
be your dream apartment either, right, so but you're paying it.
So think about that, think about you know, moving forward,
getting out of debt, and if you need some help
with that bill. We also do what we call pre
purchase counseling session and we offer that session out to
the public and you come. You you have a one

(40:26):
on one session with a counselor and we pull your credit.
We do a soft pull that doesn't have no negative
bearing on your score. We we we get certain documentary,
your income documentations from you, your bank savements, your tax returns,
and what we do we'll analyze everything. We look at
everything and see, you know, are you ready to buy?
And if you're not, then we give you action steps

(40:46):
to take to help you to get ready to buy,
and we have a discussion. We talk about you know,
we look at your habits, We talk about everything because
our main objective is to make you. It's to get
you to become a homeowner, but also being able to sustain.
You know, I can't stress that enough. Being able to sustain,
because you may have to You may have to buy

(41:08):
a new roof, you may have to get some wood replaced,
you may have to get a garage. Fixing those things
costs money. And even landscaping costs money, you know, getting
somebody to come out there and do your lawn and
all that stuff. So you need to have money set
aside for these type of things, right, and a lot
of times I when I first came, I tell you
about the you know, perservation neighborhoods and things. A lot

(41:30):
of time people just can't afford to get these homes
repaired and things of that nature. And let me say this,
you're not in houses, still have our home repair loan.
Let me throw that out there. If you're interested in
a home repair loan, you want to call us at
nine O one two seven two one one two two.
Then just raise very low and there's a payback. But yeah,
we we uh, that's that particular loan. We actually find

(41:54):
we have the contractors and everything for you if you
get approved. So carle uh, you're not in housing, ask
for our lining department and then you can talk to
them about applying for a home we Parallel and then
like I said before, it's a ten year payback and
the interest rates is real loan. Or you can go
to our website uhi NC dot org and you can

(42:14):
apply on our website and for a home we parallel.
If you need some reparents on your home. Please take
care of your biggest investment, your home. Please take care
of it, you know, so you can pass it down
to the next generation or even get it ready to
be sold if necessary, but you know, take care of
what you've been blessed with.

Speaker 3 (42:33):
We are talking with our expert from United Housing, Priscilla
Read is in the house.

Speaker 1 (42:39):
We're talking housing.

Speaker 3 (42:41):
We will be also telling you the different programs that
United Housing offers that you may want to get involved with.
Nine zero one, five three five nine three four.

Speaker 1 (42:53):
Two is our number.

Speaker 3 (42:54):
Eight hundred five zero three nine three four to two
eight three three five three five nine three four two
will get you in to us.

Speaker 1 (43:07):
You're listening to dou w d i.

Speaker 9 (43:11):
A Got something to say? Say it next with Tennessee
Radio Hall of Famer Bev Johnson on do.

Speaker 14 (43:19):
W d i A, The BEV J Justin Show, Bev

(43:47):
Justin Show, Bell, Johmasmi Talkie and all Away.

Speaker 2 (43:55):
How you go, you go, don't get ready, Let's go.

Speaker 10 (44:09):
Make you.

Speaker 4 (44:11):
By here.

Speaker 2 (44:16):
Listen to what to thay you know it's.

Speaker 3 (44:20):
About this good afternoon. We are rocking and rolling with
our expert, our Home by Education Director hud certified Counseling
with United Housing. Priscilla Reed is in the house answering
all your questions about housing.

Speaker 1 (44:40):
Going back to the phone lines to talk with you.
Thank you for waiting.

Speaker 6 (44:47):
Hi Luther, Hey, how you doing. I'm doing hopefully. I
would like to ask your guest, what do you what
can you do as far as home owners with this
new policies as the insurance company I'm putting out whether
they're going to withdraw inshoing certain areas like for example,

(45:10):
the parts of California they're talking about all state and
state home or pulling out the market.

Speaker 5 (45:18):
Honestly, you know, there's not a whole lot you can do.
You can talk to your politicians. I mean, there's nothing
you can do, and they have the option of doing,
you know, service in whatever area they would like to service.
There's so many things, but there's nothing that government that
makes them. You know, they don't it's not mandatory that

(45:39):
they service certain areas. I mean, they're looking at their
bottom line and if it's cost them a lot of money,
you know, then of course you think about you know,
if you was all state all if it's if you're not,
it's causing you, it's a liability, then you what you
do with a liability, You eliminate liability.

Speaker 6 (45:56):
You're rid of it, right, and so now you can
bought a new home and then something like this happens.
Is that a strain on the uh, your credit right
and of trying to get you know, trying to get
some insurance.

Speaker 5 (46:10):
Well, it shouldn't affect your credit. I mean your credit
should be a credits choices. Now, if you're paying your
bills on time. I don't see how all Stay or
any other insurance come and pull out the area to
affect your credit. But make sure you are maintaining good
credit because if you have to go and get new insurance,
the insurance come, it's going to pull your credit to
decide whether or not they want to take the risk.

(46:32):
And if they do take the risk, at what costs.

Speaker 6 (46:35):
The thing I'm concerned about is do you all have
any kind of program I got a house that I
want to fix up for veterans because of the homeless
veteran programs they got out. Now do you not have
United have any programs for that.

Speaker 5 (46:52):
We don't have any grant funds for anything to you know,
to help veterans. Now, we do, like I said mentioned before,
we do have a home repair loan that you may
qualify for, but we don't have any grant funding her
thing you may want to.

Speaker 1 (47:09):
Yeah, they have loan because they don't have grant money.

Speaker 5 (47:12):
You may want to contact it.

Speaker 6 (47:13):
No, No, I wasn't trying to get no grant money.
I was talking about the loan because they.

Speaker 5 (47:18):
Have a loan. But you may want to call the
A and see exactly what type of programs out there
for veterans. There may be something special. I don't know
of anything today. Can put it like that. I may
know something next month, but I don't know anything today
that's out there, honestly, honestly. So this home you're talking about,
is it an investment property?

Speaker 6 (47:40):
No, it was just passed on to me and it's
sitting there, two bedrooms and I gutted it out and
put everything in.

Speaker 5 (47:48):
Their brand new Are you going to move into this house?

Speaker 7 (47:51):
Nope, rented out.

Speaker 5 (47:54):
Yeah, it's an investment property.

Speaker 6 (47:56):
So they said that they got a program to the
VA for that.

Speaker 5 (48:01):
But you have appification for investment properties. Uh huh Okay.
The reason I asked you that because I know VA
is all about you as a veteran, you know, making
sure you have sheltered, making sure you have shelter. But
I you know, there are not so much gun hole
about you, you know, having investment properties, you know, But

(48:21):
they want to make sure you as a veteran having him.

Speaker 6 (48:25):
Yeah, I know that part, but I was just talking
about programs for other veterans. They've always advertising that they
that too many vedmors of our homes, and I was
trying to find out you you company knew anything about
some of these programs that they've got.

Speaker 5 (48:40):
Unfortunately, I can't say that I know of anything today,
But because you're asking me this, I will do some
research and see is there any any other you know,
avenues for veterans to to get their home repaired and
things of that nature.

Speaker 8 (48:54):
Okay, all right, thanks you very much.

Speaker 3 (48:56):
Thank you.

Speaker 1 (48:59):
Hi Frank, see how you doing doing well in yourself?

Speaker 13 (49:05):
I'm doing wonderful, doing wonderful you h The young lady
was trying to help him, and he was he couldn't
hear her, though, he he I'm I'm on help him.

Speaker 8 (49:17):
She said that they would help you find a place.
So if you know how to open your mouth and
get that thing turn to you instead of somebody else,
you may give the chance to get a little taste
of money. Now hear what I want to talk about.

(49:40):
This is a very good thing. Uh that that to
save your money. It would have been back in the
day for right now, But for right now, you need
to spend all the money you can because you don't
need to be saving nothing. Because this world is ridiculous.

(50:03):
I've been watching the bank steal money. I've been watching
the bank killing people to get the money.

Speaker 12 (50:13):
It is ridiculous of.

Speaker 8 (50:15):
What's really going on. You know, we really need to
tell what's really going on in this world because it's
only targeting rich black people. It's sad to say this,
but rich black people it's going back to work. They
and don't know how they got.

Speaker 7 (50:34):
Back to work.

Speaker 8 (50:35):
But it's it's sad that we save all money for
all these years and then it gets ripped right from
up under us, and now the bank is.

Speaker 7 (50:46):
Not paying these folks.

Speaker 8 (50:47):
They're like, they don't have no us. Well whoever that
name is for the bank to pay that money back.
But they are like they're not it not exist, They're
they're these people a whole lot of crazy stuff, Like
they stupid, And I see why we got a president now,

(51:08):
like we got well from the world.

Speaker 3 (51:10):
Well, you're making a lot of good sense. But since
we're talking about housing, do you have any specific questions.

Speaker 8 (51:15):
What we were talking I heard her tell you know,
you have to save for a rainy day, but when
you got people watching, you saved just to take it.
I mean, it's sad. It's sad. And then they done
made money the rule of all evil. I watched my

(51:36):
children from a distance. Uh, how they are doing? These
four girls of mine? I have to I have to
watch them from a distance. It's sad that I have
to because the money is. You know, you love them

(51:56):
today you're you don't even knowing, but all of a
sudden you love them because of money.

Speaker 13 (52:00):
You want to be the friend because of money.

Speaker 1 (52:03):
I mean, well it makes the world go round.

Speaker 7 (52:07):
But it shouldn't have to be like that.

Speaker 1 (52:12):
All right, thank you, Frank.

Speaker 3 (52:16):
Anyway, I have a question here, Priscilla from you from
one of my emailers, and she wanted to know, miss Priscilla,
when is your next class and what's the feet?

Speaker 5 (52:28):
Okay, thank you for asking. Our next class is coming
up this Saturdays and in person class and we have
limited space, very limited space. So if you're interested in
coming to that class, and we have a live instructor,
we do serve lunch. It's from It's an eight hour
class and if you want that class, I would suggest

(52:49):
go to our website that's the UHI n C dot org.
And once you're there, put press on the education tab
and you can select that class and then it would
and then it would just lead you on and you
can pay your money online. We will have two other
classes this month and it's on the website as well.
Our whole calendar is on the website. Okay, And so

(53:10):
you just select what class you want and then you
just go through the prompts and pay and that type
of thing, and then our our education coordinator would get
in contact with you and let you know that you've
been you're in the class, and give you further instructions.
But I do highly recommend the class. I know, I've
been to the mortgage businesses in nineteen eighty six actually,
and we bought our home, our first home in ninety six,

(53:32):
and I was in the mortgage bim. I was on
the back end where we actually sold the loan, so
so much I did not know that went on the
front end, And I tell myself a lot of times,
had I been educated, I would have made some different choices. Yeah,
And so that's why I highly recommend the class because
it's so informative. And you'll learn so much. And if

(53:53):
you're not ready, even teach you how to get ready,
because it takes time to get yourselfn position to be
ready to buy a home, because there are so many
things you have to do and there's a lot of
expenses involved. Contrary to what you may hear, people always say, well,
you don't need no money, Yes you do. Let me
tell you what you're gonna need upfront for your call.

(54:14):
You're gonna need you can first of all. First of all,
once you get pre approved, okay, then you're gonna have
to what First, You got to pay for your credit
report fee. Right, we gotta pay for the class. So
it's twenty five dollars per person, forty dollars for a couple.
But you pay for the class. You go till them
you get pre approved, okay, they got to pull your credit.
They may charge your credit report fee. Okay. Then once

(54:36):
you do that, then you go and you go try
to find a house, and you get and you find
yourself a real say agent. Okay. Once you find that house,
you got to put down some earnest money, you know,
and that's gonna be the minimum five hundred, The minimum
five hundred dollars, and the earnest money is there to
tell the seller, Okay, I am serious about buying this house,
so don't show it to nobody else. So that earnest

(54:56):
money has to be given to that realtor at that time.
It's not like, well, wait mine, let me go and
see can I get No, you got to have that money,
you know, that's earnest money. Now, that earnest money you
may get back and you might not. You know, if
you don't get it back, probably because you need it
for your closing costs a damn payment. Okay. So I
said the minimum five hundred. Don't think it's five hundred.

(55:18):
It's the minimum five hundred. Okay. It depends on what
you and the selling negotiate on, all right, So that's
your earnest mind. So were already so that's five hundred right, okay,
So now you got to get a home inspection that's
about three fifty minimum, right, So add that you probably
what eight fifty thousand dollars just for those two things alone. Okay.

(55:38):
Then once then you also got get an appraisal that's
about five fifty and above. So we are already at
sixteen hundred dollars. See what I'm saying, ball, you gotta
have this money already, and I talk about well, no,
so if you're talking about buying a home, you got
to have those that's upfront costs. So you got already
have that money. Save that money, put that money into

(56:00):
the side. And I'm gonna say something else that a
lot of lenders are now looking at They're looking they
wanted you to have some reserves, meaning that you at
least got two months a mortgage payment saved somewhere. They're
looking at that now, okay, because they're saying, in case
if you run into a hardship, they know they got
their mortgage payment for at least two months, you know,
so they're looking at that. So that's why I push

(56:22):
saving so much, because the lender like to see you
have some money. You know, they know in case of
a hardship come that you won't be calling them why
I can't pay my mortgage or you know, or you know,
things like that. They want to make sure that you
know that you're protecting your own investment, your own self,
which makes sense, though it does make sense, you shouldn't

(56:43):
have more money in your closet than you're doing your
savings right. You got to save money. You only can
wear a certain amount of things. I mean, I'm just saying,
I know you soapb out today, but because I do
this every day, and it saddens me to see a
kind of money that goes through our hands and we're
not paying attention. But yet we want to be homeowners,

(57:06):
you gots. We got to stop the madness. It is
time for us to save, make wise decisions with our money.
We don't know what tomorrow is gonna bring do and
a lot of things we don't need. I was in
the store the other day and I was in it
just browsing around, and I saw something that I wanted
and then I was like, you don't need this, do you?
And I thought, no, I don't put it back. I said, okay,

(57:30):
and I put it back. So I began to ask
myself now when I'm in store, do you need this?

Speaker 12 (57:34):
Like?

Speaker 5 (57:35):
Why what you're gonna do with this?

Speaker 1 (57:36):
Good?

Speaker 3 (57:36):
You know?

Speaker 5 (57:37):
And so if we start practicing these things, we'll put
ourselves in a better financial position. We just think before
we buy, think, think, think, think think okay.

Speaker 3 (57:46):
And and good good words of choice today, So as
we wrap up, but uh, gives the telephone number for
United Housing and where they can and again the website
where they can get in contract.

Speaker 5 (57:57):
Okay, so let me before we let me say this,
you're not in the house. Again. We try to be
a one stop shop and so we try to offer
everything to relate the homeownership. We are all I forgot
to mention. We are in the process. We're building houses.
We're building houses and called the Zodiac Community. Okay, it's
off of Shelby Drive over there. Y'all need to ride
by there and see those houses were putting about ten

(58:19):
twelve over there. Okay, we have a couple more coming up.

Speaker 4 (58:22):
We h.

Speaker 5 (58:23):
We're spoking on a special project that's gonna be you know,
we did that Wood River Bluff in Fraser where we're
getting we're gonna do it like a phase two. But
these gonna be some unique houses. Really, I'm not gonna
talk oak, but they're gonna be like unique, Okay, and
we're gonna be the first one in Memphis to do
these type of houses. So I'm excited to see these

(58:43):
houses come up. But we try to be a one
stop shop. We try to educate you. We also have
a lining department where we do. We call our Cherry
mortgage our Chaerymore. Used to be one hundred percent finance
and now we're at ninety nine percent financing because we
have decided that you need to put something in the
game here at least one percent, right, and we also
want you to have two months in reserves. I mean

(59:05):
that you got your mortgage payment saved for two months.
So we kind of we we had to do that
because we wanted the program to work. And so when
people don't put something in some a lot of times
they have a tendency of you know, not caring as much.
So we change the guidelines a little bit. But we
do have that charity mortgage to maximum amounts one hundred
and fifty thousand. I'm sorry you guys, I mean, you know,

(59:26):
I know you're saying, what can I find? But I
tell you what. We've been able to work with a
lot of CDCs in the area, especially OARSI Ball.

Speaker 1 (59:33):
Yeah.

Speaker 5 (59:33):
They they they they do a great job in their
communities and they find bacant lands and vacant houses and
they they work out a way to get get that
house refurbished, put back on the marrow, or they build
houses and they've been able to use our cherry mortgage.
They've been able to keep those houses that at one fifty,
they have been doing that. We do a lot of
work with them, and so I won't say that as well.

(59:56):
And we also so we bind the houses. We educate eight,
We do counseling and if you're facing four closes or
you're laid on your mortgage, you know, United Houses there
to try to assist you with your marriage. Come and
be a mediator to try and see what options that
you may have available to you via your mortgage company.
We can't not charge you for that type of counseling.

(01:00:17):
If you it's called mortgage default four code prevention counseling.
We cannot charge a client for that, and we act
as a mediator between them and their marge. Come and
try and see, well what option can we do to
help this person save their homes. And so we do
offer that, so you're not a house, offer all those
kind of things and if then in those things sound

(01:00:39):
interesting to you or you need in those type of services,
you can call us at nine O one two seven
two one one two two nine O one two seven
two one one two two or visit our website and
that's u h I n C dot org. U h
I n C dot org, United Housing, Inc. So yeah,

(01:01:00):
come by and see us, call us, and we'll be
more than happy to us to help you if we can.

Speaker 3 (01:01:04):
Sounds good, Miss Priscilla read the home by Education Director
sort about how hood counselor with United Housing.

Speaker 1 (01:01:13):
Thank you, Priscilla, look forward to the next time.

Speaker 3 (01:01:16):
Yes, ma'am, we are getting ready, as I like to say,
going to the other side of the Bev Johnson Show
right here on doub.

Speaker 9 (01:01:24):
D i A whether you're in Arkansas, Tennessee, or Mississippi
on Facebook, Twitter, or Instagram, thank you for listening to
The Bev Johnson Show on doub d IA Memphis, The

Speaker 14 (01:01:37):
Bev Johnson Show, Anything, Bet, Justin show Bell, Justin, Tim