(MUSIC) GOOD MORNING EVERYONE
AND WELCOME TO THE BALANCING ACT.
I'M JULIE MORAN.
AND I'M OLGA VILLAVERDE.
YOU KNOW, IT'S THE AMERICAN DREAM TO OWN A HOME.
IT IS.
NOW, WHILE THE ECONOMY HAS BEEN VOLATILE, THINGS ARE LOOKING UP.
AND THAT'S GREAT NEWS BECAUSE THAT DREAM MIGHT
BE CLOSER THAN YOU REALIZE.
WE HAVE GREAT NEWS ON THIS STORY, COMING UP.
YOU KNOW, MOST HOMES HAVE CARPETS.
(LAUGHS) DO YOU LIKE MY SEGWAY?
HOMES, CARPET?
YOU KNOW.
I'M BRILLIANT AREN'T I?
I'M NOT AT ALL.
AND TODAY WE'VE GOT CLEANING TIPS AND TRICKS
ON HOW TO REMOVE THOSE NASTY, NAGGING STAINS
THAT I PERSONALLY CANNOT STAND ON CARPETS.
I LOVE YOU!
PLUS, TEACHING YOUR KIDS GOOD FIREARM SAFETY.
WELL, WE'VE GOT MUCH TO TALK ABOUT, INCLUDING THE FACT THAT
SHE LOVES ME.
ON TODAY'S SHOW, THE BALANCING ACT STARTS RIGHT NOW.
CLEANING STAINS FROM YOUR CARPET CAN BE SUCH A DRAG.
ESPECIALLY, IF THOSE ANNOYING STAINS KEEP COMING BACK.
NO MATTER HOW HARD YOU TRY TO ELIMINATE THEM.
NOW, IF THOSE NAGGING CARPET STAINS HAVE BEEN
NAGGING YOU LATELY, THEN MY NEXT GUEST HAS
A GREAT TIP FOR STAIN REMOVAL.
JOINING US TODAY IS LINDA SURNICK-PRICE
BRAND MANAGER FOR WD40 COMPANY.
GOOD MORNING!
HELLO OLGA!
IT'S NICE TO SEE YOU TODAY.
THANK FOR COMING.
I'VE GOT TO TELL YOU.
WD40 THAT'S BIG IN MY HOUSE.
I .. (LAUGHS) IT'S A STAPLE.
IT'S A WONDERFUL PRODUCT AND A WONDERFUL COMPANY.
AND IT ACTUALLY HAS 6 OTHER BRANDS INCLUDING SPOT SHOT
INSTANT CARPET STAIN REMOVER, THE PRODUCT I'M HERE TO TELL
YOU ALL ABOUT TODAY.
WELL, IF IT'S AS GOOD AS WD40, I'LL TAKE IT.
LET'S TALK ABOUT CARPETS.
I DON'T KNOW IF YOU HAVE A LOT OF IT IN ..
WE JUST REDID OUR GIRLS ROOMS AND WE HAVE A NICE PIECE OF CARPET
THERE AND THE FIRST THING I THOUGHT WAS, GREAT.
KIDS, WE HAVE A DOG, IT'S GOING TO BE DISASTER.
IT'S A CHALLENGE TO KEEP IT CLEAN.
IT IS.
AND I COMPLETELY UNDERSTAND.
I HAVE TWO KIDS, TWO CATS, AND DON'T FORGET THE HUSBAND.
OH FORGOT JOSE.
(LAUGHING) THAT'S RIGHT.
SOMETIMES THEY ARE THE WORST.
RIGHT?
BUT YOU'RE RIGHT.
WHAT WE ARE HEARING FROM PEOPLE ARE TOUGH STAINS
LIKE RED WINE WHEN YOU ARE ENTERTAINING, LIKE WHAT'S
GOING TO HAPPEN?
OH!
OH MY GOSH!
I'M SO SORRY, OLGA!
I SPILLED ON YOUR RUG!
I DON'T KNOW WHAT TO DO.
AND THEN COFFEE IN THE MORNING.
OH AND I DRINK CUBAN COFFEE.
WHICH IS UGH!
EVEN WORSE THAN THAT.
SO, OKAY THICKER.
BUT YOU KNOW, WE'VE ALL SEEN THAT HAPPEN
AND NOT EVEN AT HOME, IN THE CAR TOO.
RIGHT.
YOU KNOW THE FIRST THING I WOULD DO, IS IMMEDIATELY RUN AND GET A PAPER TOWEL
AND PUT SOME SOUP ON IT AND ALL IT DOES IS, IT JUST SPREADS IT ALL OUT.
YEAH, YOU DON'T WANT TO DO THAT.
ESPECIALLY, SOAP HAS STICKY.
IT'S JUST GOING TO KEEP ON BRINGING THE DIRT BACK ALL THE TIME.
IF YOU CAN GET TO THE STAIN AS SOON AS POSSIBLE.
BUT THE WONDERFUL THING ABOUT SPOT SHOT, WHETHER IT'S A NEW STAIN OR OLD STAIN.
THIS PRODUCT WILL TAKE IT OUT.
LET ME JUST SHOW YOU.
SO, THE THING THAT YOU HAVE TO REMEMBER ABOUT STAINS AND WHY YOU
WANT TO USE AN ARESOL IS THAT THIS LOOKS BAD ENOUGH, RIGHT?
RIGHT.
LET'S TAKE A LOOK AT IT UNDERNEATH.
OH MY GOSH!
YOU NEVER SEE THAT.
NO.
SO, IT'S SPREADING IT'S BACK THROUGH THE BACK AND INTO THE PAD.
IF YOU DON'T GET ALL THE WAY THROUGH THIS BACK AND INTO THE PAD,
AND LIFT IT ALL OUT.
IT'S JUST GOING TO KEEP ON COMING BACK.
AND IT'S GOING TO ATTRACT THAT DIRT.
AND IT LOOKS WORSE THAN WHEN YOU STARTED.
SO MY THINKING IS YOU JUST GOT TO REMOVE THE CARPET COMPLETELY.
NO, NO.
YOU WANT TO COME IN WITH A POWER SPOT SHOT.
LOOK AT THIS.
(SPRAYING NOISE) IT'S DISAPPEARING BEFORE YOUR EYES.
OKAY?
AND THE COFFEE TOO.
YOU HAVE GOT TO BE KIDDING ME!
NO, AND IT IS AN AMAZING PRODUCT.
AND HERE IS .. YOU DIDN'T EVEN WIPE IT.
NO.
AND THEN NOW YOU ARE GOING TO COME HERE AND YOUR GOING TO BLOT IT.
REALLY WANT TO APPLY THAT PRESSURE.
YOU KNOW, YOU DON'T GO BACK AND FORTH?
NO!
I REALLY RECOMMEND PEOPLE ACTUALLY PUTTING DOWN THE PAPER TOWELS
AND STEPPING ON IT.
AND IF IT'S AN OLD STAIN OR REALLY TOUGH ONE, PUT DOWN
A COOKIE SHEET AND PUT A BAG OF APPLES ON IT.
LINDA, THIS IS CRAZY.
IT LOOKED LIKE MAGIC.
IT'S COMING ALL OUT RIGHT NOW.
AND SO, LET ME JUST, DO THIS.
I'VE BEEN DOING THIS SHOW FOR 5 YEARS, I'VE NEVER SEEN THIS IN MY LIFE.
IT'S AN AMAZING PRODUCT.
LOOK AT THE COFFEE COMING OUT.
OH MY GOSH!
I'VE JUST STARTED ON THE BLOTTING.
AND I'M TELLING YOU, I WOULD DO THIS, STEP ON IT, AND THAT'S IT.
UNTIL IT KEEPS, YOU ARE GOING TO HAVE TO DO THIS 3 OR 4 TIMES.
ALL OF THAT HAS GOT TO COME OUT OF THE CARPET.
AND I'M SURE NOT JUST THESE KINDS OF STAINS.
OTHER STAINS AS WELL?
IT'S FANTASTIC.
IN FACT, WE HAVE OUR PET STAIN.
AND THIS AMMONIA.
THIS IS THE PRIMARY INGREDIENT IN CAT URINE.
OUR CUSTOMERS TELL US IS AWFUL.
RIGHT?
IT SMELLS AWFUL.
WE CAN SMELL IT JUST RIGHT HERE.
RIGHT?
IT'S A MORNING SHOW HERE.
EXACTLY.
RIGHT.
BUT WHO WANTS TO COME HOME AFTER THE END OF THE DAY AND OPEN THE
DOOR TO THAT?
RIGHT?
WE HAVE SPOT SHOT PET.
IT'S GOT SPECIAL ODOR NEUTRALIZERS IN IT.
(LAUGHS) NON TOXIC.
SAFE FOR THE KIDS AND PETS.
AND IT'S GOING TO TAKE THAT ODOR RIGHT OUT AND AGAIN YOU JUST HAVE TO GET
ALL THE WAY THROUGH.
BLOTT IT AND MAKE SURE YOU ARE PUTTING THAT PRESSURE ON THERE.
WHILE YOU ARE DOING THAT, IS THIS AVAILABLE NATION WIDE?
YES, IT IS.
IS IT SAFE FOR KIDS AS WELL.
IT IS?
WOW!
I AM AN AMAZED BELIEVER.
GO AHEAD, PUT SOME MORE WINE AGAIN.
DO THAT REAL QUICK BEFORE WE SAY GOOD BYE.
I'VE GOT TO TELL YOU.
I'VE GOT TO SEE THIS FOR MYSELF.
HERE IS THE WINE I DRINK AT NIGHT.
WITH MY LOVELY STEAK.
I'M JUST THINKING THAT YOU ARE PULLING ME.
NOPE.
THERE IT IS.
WOW!
ALL WE ARE GOING TO DO IS COME THROUGH AND BLOTT IT ALL OUT FOR YOU.
I WILL NEVER BE ANGRY AGAIN WHEN A NEW STAIN COMES OUT.
THAT'S REALLY TRUE.
YOU KNOW, A LOT CALMER MOM, RIGHT?
(LAUGHS) LINDA, THANK YOU SO MUCH.
YOU ARE SO WELCOME TO COME BACK HERE ANYTIME WITH OTHER GREAT TIPS.
THIS IS .. GIVE ME THE CAP PLEASE.
I REALLY WANT THIS.
(LAUGHS) THANK YOU, OLGA.
I REALLY APPRECIATE IT.
AND FOR MORE INFORMATION AND ADDITIONAL CLEANING TIPS VISIT US AT
THEBALANCINGACT.COM THAT'S THEBALANCINGACT.COM
OR GET SOCIAL AS YOU CLEAN UP YOUR ACT, GET IT?
LOG ON TO, FACEBOOK/THEBALANCINGACTFANS.
THIS IS AMAZING.
IT IS AMAZING.
(MUSIC) THE FAMILY THAT PLAYS TOGETHER, STAYS TOGETHER.
BUT IN AN ERA OF SMART PHONES, TEXT MESSAGING, INTERNET AND YES EVEN COUCH POTATOES.
IT GETS HARDER AND HARDER TO ACCOMPLISH THIS.
SO, IT'S REASSURING TO KNOW THAT THERE ARE STILL OUTDOOR ACTIVITIES WHICH
EXIST THAT MOMS, DADS AND KIDS CAN DO TOGETHER.
ACTIVITIES WHICH BOND AND UNITE.
GIVING STRENGTH TO THE FABRIC THAT IS FAMILY.
HERE TO DISCUSS WHAT REMINGTON ARMS COMPANY IS
DOING TO HELP BRING FAMILIES TOGETHER IS HALEY HEATH.
YOU MIGHT KNOW HALEY FROM HER ROLL AS CO HOST OF CABLE TV'S THE OUTFITTERS AND YETTY'S ULTIMATE
HUNT.
AIRING ON THE SPORTSMAN CHANNEL.
GOOD MORING.
THANK YOU SO MUCH FOR HAVING ME.
WELCOME BACK.
YOU KNOW I TALK ABOUT YOU KNOW, GOING OUTSIDE WITH KIDS,
VERY IMPORTANT FOR ME TO DO.
I CAN'T STAND THE TEXT MESSAGING.
I'M SO .. ME EITHER.
I'M NOT PART OF THIS TIME.
SO, FOR ME BEING OUTDOORS IS REALLY IMPORTANT, AND I KNOW FOR YOU TOO.
AND YOU ACTUALLY DO DIFFERENT THINGS WITH YOUR CHILDREN.
I DO.
YOU KNOW WE LIVE ON A FARM.
SO, IT MAKES IT A LITTLE BIT EASIER BUT I LOVE GOING OUT AND SHOOTING WITH THE
CHILDREN, WHETHER WE ARE SHOOTING JUST TARGETS OR IF YOU DECIDE TO GO HUNTING.
YOU KNOW, THOSE ARE WONDERFUL THINGS THAT WE ENJOY THAT GET US OUTSIDE AND
JUST WATCHING NATURE.
YOU KNOW, WHETHER WE DO ANYTHING OR GET AN ANIMAL OR NOT.
YOU KNOW, WE ARE JUST SPENDING QUALITY TIME TOGETHER.
AND THAT'S SO IMPORTANT.
I KNOW ALSO VERY IMPORTANT.
YOU'VE DONE A GREAT JOB WITH YOUR KIDS.
HOW OLD ARE THEY?
THEY ARE 7 AND 10.
7 AND 10.
YOU'VE DONE A GREAT JOB IN TERMS OF NOT ONLY PROTECTING THEM,
BUT YOU KNOW, EXPLAINING TO THEM THE SAFETY BEHIND USING A GUN.
AND WE TALKED ABOUT IT LAST TIME.
RECAP A LITTLE BIT ABOUT THE 10 COMMANDMENTS THAT YOU TOLD ME YOUR KIDS KNOW FROM
1 TO 10 PERFECTLY.
OF COURSE.
IT'S VERY IMPORTANT TO GO TO REMINGTON.COM AND REALLY STUDY THESE WITH YOUR CHILDREN
BEFORE YOU EVER ALLOW THEM TO TOUCH A GUN.
BEFORE YOU EVER TOUCH A GUN.
BECAUSE IT'S VERY IMPORTANT TO KNOW HOW TO HANDLE IT, WHAT DIFFERENT WAYS THAT
THE SAFETY MEASURES ARE.
YOU KNOW, YOU WANT TO MAKE SURE YOU ARE FAMILIAR AND YOU ARE FAMILIAR.
AND WHEN YOU GO YOU CAN REALLY HAVE A GOOD TIME, KNOWING THAT EVERYONE
IS SAFE AND HAVING FUN TOGETHER.
SO, WHEN YOU STARTED INVOLVING YOUR CHILDREN, WHAT TYPES OF GUNS DID YOU
I GUESS, INTRODUCE THEM TO?
WELL, I STARTED THEM OUT WITH SOMETHING LIKE THIS, WHICH IS THIS IS THE REMINGTON
AIR RIFLE.
AND IT IS, NOW YOU SEE IT AND IT LOOKS A BIT INTIMIDATING.
YOU'RE LIKE FOR A CHILD, REALLY?
YES.
IT'S THE REMINGTON EXPRESS AIR RIFLE AND NOW ALSO THE MARLIN XT YOUTH.
AND IT'S A LITTLE SMALLER.
OKAY.
AND MORE COMPACT.
IT'S A 22 ROUND FIRE.
THESE GUNS ARE VERY EASY TO USE.
VERY MANEUVERABLE.
GREAT TO LEARN.
PARENTS CAN LEARN THEM VERY EASY.
KIDS CAN LEARN THEM VERY EASY.
YOU KNOW, YOU DON'T JUST HAND THE CHILD THE GUN, OF COURSE.
YOU DEFINITELY WANT TO HAVE ADULT SUPERVISION.
BUT IT'S SOMETHING THAT IS INEXPENSIVE AND SO THE FAMILY CAN GET INVOLVED
AND IF YOU HAVE YOU KNOW, A COUPLE OF CHILDREN THAT BOTH WANT TO GET INVOLVED
AND GET ONE OR TWO.
AND IT'S NOT A VERY EXPENSIVE FUN THING TO DO
WITH YOUR CHILDREN.
AND BE OUT THERE TOGETHER.
AND I KNOW FOR A FACT THAT MORE GIRLS ARE GETTING INTO THE SPORT AS WELL.
DEFINITELY.
AND A LOT OF LITTLE GIRLS.
YOU KNOW, MY DAUGHTER ACTUALLY HAD A PARTY THIS YEAR, WHERE SHE HAD, YOU KNOW,
A STATION SET UP FOR KIDS TO GO LEARN TO SHOOT.
NO!
AND SO I WAS OVER THERE INSTRUCTING EACH ONE OF THEM, TEACHING THEM THE
10 COMMANDMENTS OF GUN SAFETY.
AND LETTING THEM SHOOT FOR THE FIRST TIME.
PUTTING ON EAR PROTECTION AND EYE PROTECTION.
AND ACTUALLY SHOOTING THEIR FIRST TIME.
I'VE HAD, WE'VE HAD THREE GIRLS OUT OF THAT CLASS SINCE NOVEMBER ALREADY GET THEIR FIRST
AIR RIFLE.
REALLY?
AND SO WHEN, I GUESS, YOU HAVE THIS SO CALLED PARTY OR EVEN IF A CHILD EXPRESSES INTEREST,
WHAT ARE SOME OF THE CONCERNS TYPICALLY FOR PARENTS.
YOU KNOW, GETTING THIS GOING.
YOU KNOW, A LOT OF TIMES PARENTS ARE CONCERNED.
OH MY GOODNESS I'M NOT GOING TO PUT A GUN IN CHILD'S HANDS.
AND THEY ARE DANGEROUS AND THEY CAN HURT PEOPLE.
AND YOU KNOW, YOU ARE TEACHING THEM THE WRONG THINGS BY PUTTING A GUN IN THEIR HANDS.
BUT IF THAT, CURIOSITY IS TAKEN AWAY WHEN THEY LEARN ABOUT A GUN.
LEARN ABOUT THE SAFETY MEASURES.
AND THEY ACTUALLY MAKE MEMORIES WITH YOU AS THEIR PARENT.
THAT SETS A WHOLE OTHER WORLD OUT THERE.
YOU KNOW THEY ARE NOT USING FOR ANGER OR UPSET.
CORRECT.
THEY ARE ACTUALLY USING IT FOR FUN AND MAKING MEMORIES WITH THEIR PARENTS.
AND THAT'S SO IMPORTANT.
YOU KNOW, IT'S SOMETHING WE LOVE TO DO.
WE LIKE TO GET OUT THERE AND SHOOT TOGETHER AND SHOOT THE TARGETS.
WE HAVE SOME REMINGTON TARGETS SET UP.
AND YOU KNOW, WE GET OUT THERE AND SHOOT.
AND WE HAVE COMPETITIONS AND SEE, YOU KNOW, WHICH ONES ARE GOING TO TAKE OUT THE TRASH
FOR THE WEEK.
(LAUGHS) OR WHICH ONE IS GOING TO WASH DISHES.
SO, WE DO DIFFERENT FUN THINGS BUT IT'S THE TIME, YOU KNOW,
I PUT DOWN MY PHONE AND PUT AWAY THE COMPUTER AND YOU KNOW, I AM VERY HANDS
ON.
THAT'S SOMETHING YOU HAVE TO DO WHEN YOU ARE OUT THERE WITH THEM.
I WAS GOING TO SAY.
I DON'T THINK YOU EVER LEAVE THEM ALONE.
NO.
SO, IT'S GUNNER AND DAKOTA DOING WHAT THEY LOVE TO DO AND WHAT I GREW
UP DOING AND THEY ARE SHOOTING.
AND AT THE END OF THE DAY, IT'S NOT FOR EVERYBODY.
BUT IF YOU WANT TO GET INVOLVED IT CAN BE A LOT OF FUN AND SAFE.
AS LONG AS YOU KNOW ... THE TEN COMMANDMENTS OF GUN SAFETY.
THANK YOU SO MUCH.
THANK YOU SO MUCH FOR HAVING ME.
THANK YOU, HALEY.
AND IF YOU WOULD LIKE MORE INFORMATION, VISIT US AT
THEBALANCINGACT.COM OR SHARE WITH US HOW YOU WOULD LIKE
TO SPEND QUALITY TIME WITH YOUR KIDS BY LOGGING ON TO
FACEBOOK/THEBALANCINGACTFANS.
(MUSIC) IT'S THE AMERICAN DREAM TO
OWN A HOME.
YOUR OWN LITTLE CORNER OF SUBURBIA.
EVEN WITH OUR UP AND DOWN ECONOMY, IT REMAINS A TOP PRIORITY FOR MANY PEOPLE.
WITH US TODAY TO DISCUSS AFFORDABLE, FINANCING OPTIONS
AND QUALITY LOANS, IS LOIS JOHNSON, CEO OF UNITED SECURITY FINANCIAL CORPORATION.
GOOD MORNING.
THANKS FOR BEING HERE.
THANKS FOR HAVING ME.
ALRIGHT SO BEFORE WE TALK ABOUT OWNING A HOME, WHICH I THINK
EVERYBODY SHOULD AT ONE IN THEIR LIFE.
LET'S TALK ABOUT YOUR HOME AND WHERE YOU LIVE AND THE HEADQUARTER IN
SALT LAKE CITY, UTAH.
LET'S SHOW OUR VIEWERS THIS PICTURE.
YOU ARE BLESSED.
WE ARE.
WE ARE REALLY BLESSED IN THIS STATE.
WHAT A BEAUTIFUL BACKDROP.
DESCRIBE THIS TO ME.
GOING TO THIS EVERY DAY.
YEAH, BEAUTIFUL MOUNTAINS AND THE SNOW IS ON THE MOUNTAINS
AND IT'S JUST A PEACEFUL SETTING.
A PEACEFUL PLACE TO BE.
IT IS.
AND PEOPLE ARE VERY NICE.
I'VE BEEN THERE TWICE AND VERY GRACIOUS PEOPLE IN
SALT LAKE CITY.
GOT TO GO BACK.
ALRIGHT SO LET'S TALK ABOUT GOOD FINANCING OPTIONS AVAILABLE TODAY.
ARE THERE RIGHT NOW FOR ANYBODY WANTING TO BUY A HOME?
THERE REALLY IS.
REALLY?
SEVERAL OPTIONS OUT THERE.
FHA, VA, AND FANNIE MAE.
OK, AND HOW DO FIRST TIME HOMEOWNERS KNOW IF THE HOME
LOAN THEY ARE APPLYING FOR IS A GOOD QUALITY LOAN, LOIS?
JUST FIND A LOAN THAT IS A FIXED RATE.
SPREAD OUT OVER 30 YEARS.
YOUR PAYMENTS.
AND THEN YOU CAN GET A GOOD FIXED RATE FOR THREE YEARS.
IT'S CALLED ADJUSTABLE RATE.
THOSE RATES ARE VERY GOOD LOANS.
AND LET'S TALK ABOUT YOUR COMPANY.
UNITED SECURITY FINANCIAL.
IT'S A NATIONAL FULL SERVICE MORTGAGE LENDER, CORRECT?
ABSOLUTELY.
WHAT IS FULL SERVICE MEAN IN DETAIL?
FULL SERVICE MEANS THAT WE WILL TAKE YOUR APPLICATION AND CLOSE IT
OUT AND SERVICE YOUR LOAN AFTER IT'S CLOSED.
SERVICE MEANS THAT YOU MAKE THE PAYMENT DIRECTLY TO US.
WE ARE DIRECT LENDER.
DOES THAT MAKE A DIFFERENCE?
IT ABSOLUTELY DOES.
WHY SO?
BECAUSE OF THE FACT THAT YOU DON'T GO ONE PLACE AND GET YOUR LOAN
AND THEN HAVE TO PAY SOMEBODY ELSE.
OKAY.
YOU START WITH US AND FINISH WITH US.
AND THERE ARE MORE TRUST IN THAT SENSE, RIGHT?
RIGHT.
ABSOLUTELY.
ARE YOU, I MEAN I HATE TO KIND OF COMPARING, IS THE COMPANY KIND OF LIKE A WELLS FARGO?
IF YOU WILL?
WE HAVE THE SAME THING TO OFFER THAT WELLS FARGO HAS.
THE ONLY DIFFERENCE IS WELLS FARGO IS BANK WHERE YOU CAN MAKE BANK DEPOSIT CHECKS
AND SO FORTH.
BUT BASICALLY, WE HAVE THE SAME THING TO OFFER AS THEY ARE.
THEY ARE A GINNIE MAE ISSUER.
UNITED SECURITY IS A GINNIE MAE ISSUER AS WELL.
OKAY AND YOU KNOW, LET'S TALK ABOUT THE ECONOMY.
A LOT OF PEOPLE HAVE HAD TO DIP INTO THE SAVINGS, UNEMPLOYMENT.
WE ALL KNOW THE PROBLEMS THAT HAVE OCCURRED.
SO, FOR THE FIRST TIME HOME BUYER, A LOT OF THEM WILL SAY, WELL, HOW MUCH MONEY
DO I NEED TO PUT DOWN?
AND THAT'S A BIG CONCERN.
YEAH, THE RUMOR IS OUT THERE THAT YOU HAVE TO HAVE A LOT OF MONEY TO
GET INTO A HOME, TODAY.
OR ELSE YOU CAN'T.
RIGHT.
BUT THAT'S NOT TRUE.
THAT'S NOT TRUE.
NOT TRUE AT ALL.
YOU CAN GET IN AS LOW AS 0 DOWN PAYMENT ON A VA LOAN.
REALLY?
ABSOLUTELY.
AND THEN THE SELLER CAN PAY THE CLOSING COSTS, WHICH HELPS.
AND FHA, YOU CAN GET IN FOR 3.5 PERCENT.
SELLER CAN PAY THE CLOSING COSTS AS WELL.
AND FANNIE MAE YOU CAN GET IN WITH 5 PERCENT DOWN.
WHICH IS DOABLE.
ABSOLUTELY.
SO, WHAT WOULD YOU TELL WOMEN OUT THERE OR ANYONE FOR THAT MATTER WHO IS KIND
OF ON THE FENCE ON THE DECISION TO BUY.
WHAT WOULD YOU SAY THE MAJOR BENEFITS OR HOME OWNERSHIP?
GETTING SOMETHING OUT OF IT.
YOU BUILD UP EQUITY WHEN YOU MAKE THAT PAYMENT EVERY MONTH.
INSTEAD OF JUST GIVING IT TO THE RENT MAN, AND HE'S GETTING THE
EQUITY .. WHICH IS LIKE THROWING IT AWAY.
ABSOLUTELY.
YEAH.
YOU ARE ACQUIRING THE INTEREST IN THE HOME.
THE EQUITY.
IN ADDITION TO THAT, YOU CAN WRITE IT OFF YOUR TAXES.
BASICALLY, INTEREST ON YOUR HOME IS THE ONLY THING ON YOUR HOME THAT YOU CAN RIGHT OFF
NOWADAYS, UNLESS YOU ARE IN BUSINESS FOR YOURSELF.
EXACTLY.
NOW, HERE'S SOMETHING THAT I KNOW AFFECTS A LOT OF PEOPLE TODAY MORE THAN EVER.
SHORT SALES, BANKRUPTCY, FORECLOSURES, YOU KNOW,
CREDIT SCORES HAVE GONE DOWN AND A LOT OF THEM THING THAT IF I'M A FIRST TIME HOMEOWNER,
I CAN'T MY CREDIT SCORE OR WHAT ADVICE WOULD YOU GIVE THOSE PEOPLE?
IF YOU HAVE PROBLEMS IN THE PAST, JUST GET PAST IT.
ONCE YOUR GET PAST IT, START REBUILDING YOUR CREDIT.
OKAY.
PAY BILLS ON TIME.
AND GET YOUR CREDIT SCORE BUILT UP.
AGAIN, HOWEVER, FHA AND VA IS NOT SO MUCH FICO DRIVEN.
OKAY.
FANNIE MAE IS A LITTLE DIFFERENT.
YOU CAN GET IN AS LOW AS IN THE LOW 60'S WITH FANNIE BUT WITH FHA AND VA YOUR FICO
SCORE IS IMPORTANT BUT NOT AS IMPORTANT.
AND HECK IF DONALD TRUMP CAN GO BANKRUPT WHO KNOWS HOW MANY TIMES.
ABSOLUTELY.
(LAUGHS) WE CAN ALL GET BACK ON TRACK.
YOU'RE ALSO LICENSED IN 48 STATES. 48 STATES.
WHICH IS GREAT BECAUSE THERE IS OPPORTUNITIES ALL OVER THE NATION.
ALL OVER THE NATION.
AND WE DO LOANS ALL OVER THE NATION.
EXCELLENT.
ALRIGHT SO IF OUR VIEWERS WANT TO MORE INFORMATION ON OWNING A HOME
WHICH I REALLY THINK IS IMPERATIVE, IT WAS MY DREAM IN MY 20'S.
OR INFORMATION ON YOUR COMPANY, WHERE WOULD THEY GO?
THEY WOULD GO TO UNITEDSECURITYFINANCIAL.NET
EXCELLENT.
AND THE NEXT TIME I GO TO SALT LAKE CITY, MAYBE I'LL LOOK FOR
A HOME, YOU CAN SHOW ME AROUND.
AND MAYBE I'LL BECOME A NEIGHBOR.
ABSOLUTELY.
WE'D LOVE TO HAVE YOU.
AS LONG AS WE HIT THE SLOPES.
THANKS.
THANK YOU SO MUCH.
GREAT PEOPLE IN SALT LAKE CITY.
THANK YOU, LOIS.
AND IF YOU'D LIKE TO LEARN MORE ABOUT THIS VERY IMPORTANT TOPIC,
PLEASE VISIT US AT THEBALANCINGACT.COM
OR SHARE YOUR THOUGHTS OR ANY QUESTIONS YOU MAY HAVE.
SIMPLY LOG ON TO FACEBOOK/THEBALANCINGACTFANS
(MUSIC) SO MUCH GOOD INFORMATION ON TODAY'S SHOW.
BE SURE TO CHECK OUT OUR WEBSITE.
THEBALANCINGACT.COM AS WELL.
LOTS THERE FOR YOU.
AND DON'T FORGET ABOUT FACEBOOK AND TWITTER, LOOK US UP THERE.
WE'LL SEE YOU AGAIN, HOPEFULLY VERY SOON.
AND REMEMBER TO FIND YOUR BALANCE.
SO LONG EVERYBODY.