Let's Talk with Leaha & Rhonda

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The following is a paid program sponsored by Crawford management group and smart time consultants. Please be advised that the voices and opinions you may hear do not necessarily represent the views of K u and v Las Vegas, the University of Nevada, Las Vegas, or the Board of Regents of the Nevada System of Higher Education. Hi, this is Leah Crawford.

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And I'm Rhonda Nolan.

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Welcome to the let's talk with Leanne Rhonda show.

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We're here for you and we're ready to go. Let's do it. Good morning, Las Vegas. How are you doing this Saturday morning? It's so bright and sunny outside. Did you have a good weekend? My weekend just started. How's it good? Oh, that's right. I was good. Right. So you Saturday morning. It's just really it's still my birthday week. I'm still floating and still remember, he

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was exercising last month? We still touch on our toes. Are we still touching our toes?

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We are still touching our toes every day. You know, you entrepreneurs out there. You know we're always say get up and start your day with some exercise.

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I want to know what those someone was telling me the other day. And you know, I I'm gonna say I get my Facebook news. Doing 10 minutes of extra of something every day sometimes be doing something three times a week. Absolutely. Just do something consistently every day. So if it's getting up and just walking around your block clear, you hit something for 10 minutes every day, just 10 minutes.

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That's all you need. That's all you got to eat the blood circulate

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the mind

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fresh, gotta keep the mind fresh in Las Vegas. Now, how you doing today?

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I think everybody is doing amazing. It's a sunny, sunny, sunny, sunny Saturday morning. I want to tell you though, I went to Michigan. And it's cold. It made me appreciate our sunny January morning, Sunday January morning. But um, tell us Rhonda what's going on with SBA because I know the programs and what's what's going on. So the SBA

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auto loan ended. However, if you put in an application for reconsideration, they are still processing through those applications. Make sure you keep an eye on your emails, because that's the way that SBA is speaking with you. I know I had a client who received an email from the SBA saying, Hey, are you still wanting to be considered for reconsideration? And the person had to you know, send an email back rather quickly, to make sure that they're in the good graces of the SBA.

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Got it. Okay, I love that love that and PPP is over with. But what I can say is if you have not apply for your forgiveness, apply, apply for your forgiveness, because it's not automatically forgiven, if not, and that bug turns into a loan and not a grant. So please,

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and most of the banks actually are working directly with the SBA. And so when you do your application with the SBA, the application does not take that long, just make sure you have the correct information. Of course, if you need help with any of that, you can always reach out to Let's Talk with Lee and Rhonda and we can help you with that situation. You

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can contact us at 702-908-9577

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or 702-382-5737.

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Again, this is Les talk with Leah and Rhonda. All right tax time electronic filing season has started. I think it started on Monday. I want to say employers this weekend you have to get the stuff out to the people gotta get a W two 299 out this weekend. They're due by Monday to the people but they're due to the IRS by February 28. So just be considerate. If you have people that work for you just think they want to get their taxes done. You pay them they need to account for the money to 99 and he sees 299 miscellaneous W TOS all those documents are due to said people by January 31. And today Vonda we have a special guest.

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We do we have a very special guest. We have an entrepreneur today that's been in business for a very long time. So he knows a lot about the real estate business. And I'd like to introduce to you today Mr. Clifton Hines, and the name of his company is certified affordable housing. And he's gonna tell you a little bit about a special program he has here for loss begins from all walks of life. Mr. Heinz, welcome to the show.

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Good morning, and thanks for having me.

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You're welcome. So, Mr. Hines, you've been in the real estate business about 20 years or so. Huh? 30 plus 30 plus, okay.

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Hi, today, and we already thought he started when he was high. Yeah. Oh, yes. You were smart. Five Year Old. Yes, of course. You know, Are You Smarter Than a fifth grader is smarter than a five year old? Right? Okay,

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actually, I just saw a nine year old billionaire King from I believe it was Nigeria. Have you seen this kid? No, no. He has every toy in the world. He's nine years old. He's

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bored now. Right? He's a billionaire. He built incredible billionaire. Love it.

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Just doing this thing. nicely. So starting at five I was.

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Okay, sorry. So tell us a little I mean, tell us a little bit about about your business, about what you do. Who? And, you know, just tell? Tell them? Let's

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talk about it. Yeah, so I've been in real estate for a long time, I started in the mortgage business mortgage financing mortgage background and had a few mortgage companies in Los Angeles, migrated to the wonderful state of Las Vegas. And now we're still doing our thing still trying to help people. So our business is predicated on assisting people to enjoy the luxury of homeownership. So we were certified affordable housing providers, and we help people that don't think there's an opportunity to own a home because of their credit card situation. So that's one company, they don't either they don't need credit, or they don't need a FICO score.

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Okay, so Okay, stop, pump the brakes, because so often, that is the barrier to entry, and sort of home ownership for a lot of people either credit, not having credit. And that's a barrier, and why people can't do it. So you're saying that I don't need any of that to work in your program.

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That's a remarkable part of the American dream, having a second chance, right? Yes, happened in our lives, we, we go through ups and downs, and no one's willing to give us an opportunity. Right. So if you if you're not bankable, you don't have a chance. Right? So at certified affordable housing, we allowed you to have that chance through our rent to own path to Homeownership Program, which is extremely exciting,

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which is extremely No, it is because part of the American Dream is home ownership. And I mean, a lot of barriers number one, the downpayment. Number two, not having a credit score, or having the consistency with job history. And let's talk so I want to come into your program. what do what do I need to do?

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First, you need to contact us, okay. And we have a website. Okay. You would sign up what what's the website? The website would be www Templar homes

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that Okay, so let's go slow because this is the radio people drive in and we want to make it fun for him. So www W W. Chandler, spelled forming CI M P L,

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A R,

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T, as in Tom, IE as an Eric M as in Mary. P as in Paul, L as in Larry, as an apple R as in Robert.

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And then as a hyphen between Templar and Holmes a small the smallest hyphen, hyphen on and then Holmes Holmes, H O. M.

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Holmes. homes.com. All right, so I go there. And, and I guess it's for anybody. So if you have a second chance, and we live in a second chance, state, Nevada is a second chance state for a whole lot of things. This is your second chance to go ahead and get into a home. So I go to the website, are there any classes that I have to attend?

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The answer would be yes, the answer is yes. And no, depending on your level of commitment, right. Okay. In order to do something, to get something Lea, you have to apply yourself, you have to be committed to something right.

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Something right. Because yeah, because you're committed there you go for anything, right?

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For anything. So the opportunity on the side is to educate yourself, about getting your credit back together. And also to get to to look into what's possible in your situation, what's possible and your situation. So it's an optimization you put in your dream, two bedrooms, one bath, three bedroom, one bath, you are quite amount that you can pay five bedrooms,

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two bathrooms, two bedrooms, two bathrooms, five bedroom, three bathroom. Yeah.

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And by the way, I need room Yeah, and rooms, and the sections would analyze who you are. And then we'll match you to that house not as to Destard the whole entire, what we call the premise because you will oftentimes and many you'll find it when you're trying to find something and you don't have money you have to settle for whatever you have set up

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for whatever you sell, but in this in this instance, you're saying that I can be fabulous or I can whatever I think I want an affordability based on afford Okay, so Alright, based on affordability, but I can but But you said put my dream out there so my dream is this

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right? So your requirements are two years on the job, the ability to pay and the ability to pay meaning that we don't want the house back live. We do not want you to we don't want to take the house back on your path to homeownership. We do not want that house back. We want we want to prepare you pay you. Okay? So your ability to pay will be amount of money that you're making me use a formula, okay? To see how much house you can really afford

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and then based off what I can afford, they're not going to just mine. Match me to but that might not be my dream that might be my starting point.

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You as well the dream to dream of

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homeownership Got it. Got it. So dream my dream begins my dream. Okay, so now, you know, in the dream, I didn't start off where I wanted to be, but I started off somewhere that was gonna get me there I'm on. I'm on my yellow brick road

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of chance, right? I have a chance because the chance gives you an opportunity. If you if you think of something that was a dream, and I have bad credit. I've been turned down by every major bank. Okay, where do I turn to get help? I mean, suck. What happened? I mean, I had bad luck. Okay, so I need I need someone to look in to say, Listen, snot overfeed, here's an opportunity

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for you to start over. Because in two years and two years, you should be able to get your credit in order. That's right. To figure it out as absolutes are real, I mean to do a budget because we talk about budgets consistently on our radio shows talking about, in order for you to get somewhere you got to start a budget, let's take the money you have. And let's figure out how you're spending it. That's correct. And once we figure out how you're spending it, then let's look at what you can do better. So if you need to knock, like for me, Starbucks is a thing. If I need to budget, I know sometimes Starbucks has to come out for a little while because I need to do some other things. And the money has been there or another one of my pet, you know, one of my favorites is going out to eat. So maybe I have to cook this month, because there's something that I want to do. But it's budgeting and I remember only one being in college it was you know what I need to be disciplined. In order for me to do the things that I wanted to do even some move, you know, to move to buy my first house, it was discipline, I had to save X amount of dollars every month in order to be able to be in position to purchase my first home. And I can tell you that I think a lot of us lack the discipline to do any guidance.

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More importantly, the discipline is number one, however, commitment. Right? How often is not what you can do today is how long can you do it? Okay, so when you are disciplined, if I gave you something, you know, it doesn't have the same value if you discipline yourself to it. So I said, here's an opportunity, Leah, here's an opportunity for you to own a home. And if you follow this script, from rent, to rent to own to agreement for deed or homeownership, you are in this home, because guess what, we begin with the end in mind, we begin that this house belongs to you got it, okay? And that's our requirements, right? We want you to embrace the opportunity, but the commitment, you have to make payments, because even though it's an opportunity, you still have to be committed at all the things you're saying, the first commitment is to this home. So now you're gonna fix this home, you're gonna you're gonna paint this home, you're gonna claim to your, it's your home, doesn't it feel like you're at home, it feels like you're at home. Now, you have to be committed not to go to the casino, not to go to Starbucks not to go to dinner, but you did it after you pay the mortgage, after you made payments. You make the payment. So that's the commitment, you

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have to start there. So we talked about that too, because I like when you you go, God, we have jobs, you go to work. And whatever that work is some people is going to a building for nine to five some people is you know, real estate is creative is based off the sales if you're in sales, but depending on what that commitment is, and having the balance because what I know is if you are going home to your home, it feels different than going home to an apart it just feels different.

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And by the way, and that's and that's the whole entire premise. If you want something you've never had, you've got to do something you've never done. Exactly. Okay. So when you when you put that key in that door with your family behind you, it's different and you say this is our home. Now you're not you're committed and I know what you want to just paint the walls. You want to clean the yard. Don't you just want to make it home. So guess what, when you've made that commitment, and your discipline is gonna kick in, oh yeah, so now so now you're on your way plane has just left the station we've got to take flight it's good it's gonna be fantastic.

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And I guess when I hear and I know people that are in homes have been in for a long time don't know the process by home and understanding the process because everything seems that it's it's a process you don't just like you don't just jump in. I'm gonna go here. It's not like buying a pack of bubble gum. No, this is probably the biggest purchase you will make in your lifetime for most people is buying a home so it is very scary. It is I know the first time I had to sign all the documents that come with buying a house. i It's intimidating. But luckily I had someone there with me to talk me through to explain what the documents meant because I had not a clue and this all these papers and you sign in and you sign in and You just sign in and yeah,

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so to live, we've made that part of the process. user friendly. Okay, closings, okay, time with you. It's not a rush, okay? It's an inside of an hour. Okay, so how much time we take with you because we want you to understand what you're doing. We don't want to put you in a position. We want to put you in a position to win,

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but I understand it. But you but but cliff, I mean, I know you've done it. I mean, a lot. But it's like, first time coming in. And I hear it from people like, they get to know you go through the process. And then with all the questions, they asked you about the home buying process. And I love it, because from what I'm hearing with your program, you're able, it's like you're counseling to well, it's counseling. Yeah, right. And that's,

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that's, that's the part that we we expand, we expand that. It's not a requirement. But if you want to know more, if you want to improve your credit, these are all the things that we offer to the homebuyer guide on their path to homeownership. We give them the opportunity to embrace homeownership,

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and not because home tutorials and I remember because the first like what a first time homebuyer, they're things that I didn't think about, like, when you're renting, when you when something is wrong, you call somebody you call that landlord, and

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when you own you gotta, you gotta call the handyman.

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Well, you got caught people, right. But the importance of knowing when your house was built understanding when the house that that you have was our purchasing was a bill, understanding the pipes because water damage is huge. And it's making sure that you know, the pipes and knowing that, for me, it was HVAC, the roof, knowing when the roof was was was last repaired, or the condition of the roof to know if you have to replace it or not. Because there's some biggest expenses that come with the house. I went to a program probably about 20 years ago that took the time to explain the different parts of the house. So you knew what you were getting into, and also why you're getting disciplined. Just to help you understand that these things might come up, but if you're discipline, it's not a problem. It just happened. So you're not oh my god, this know when things happen in the house, you get it repaired, you build a list of certain people like I know some people do. The Home warranties.

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By the way, I'm just gonna tell you that I live by the home warranty, okay, you have no idea right? How much money I've saved for Home Warranty. It's like the it's like the Holy Grail. Got it? Something goes wrong. You remember the home warranty? Just say number 30,000. Guess what happens next? You call the home warranty company may come out and fix it. A home warranty is an insurance policy is an insurance my home should have one. Okay. Every homeowners should have a homework, you have no idea. Anything going up? Right? And if you don't, if you don't protect yourself, then it's going to be expensive is going to be great. expense is going to be great should we should invest in a home warranty. Okay, I'm telling you they work. And I've owned hundreds of homes. Okay, I've used the home warranty process, something breaks, I call them. They fix it. It's a fee. It's a service fee. Right? Right, the bill comes to $10,000. And you just gave him 150 bucks. Got it doesn't make any doesn't get any better than getting pandas. And that's another part of the education process. That's part of our home buying process. We're educating you on these things, right? We're educating you on, on what to do, how to stay safe, and how to make home buying a little bit more not only affordable, but a great, great, great, great opportunity.

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Because when we talk about generational wealth for a lot of people, part of is the homeowner is the equity in the home. Part of it is the equity in the home part of the American Dream have been part of the American dream and then teaching your children at the same time. So talking to them about what you're doing in the home, having them see you know, like my son is so funny. He walked in the house the other day. And he was like, What are you doing now? And I was like, What do you mean? He was like stuff everywhere? What are you doing now? Because you don't want something I was like, well, we're paying and knowing that every maybe five years you need to repaint, touch the pain because if you don't want to drink paint, and I was like walls drink, I mean you just the things you learned as a home owner, but you need to, I mean just a little things to your house and it makes a big difference. But

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doesn't that make you feel a sense of contentment? I mean, doesn't that that embraces you? When you're when you're changing when you're changing? It's so funny because when remodeling when you

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started though it's like it's like an aphrodisiac because I know for me being starting it and then doing one project that project is over now starting another project. And then I started writing them all down and doing different stuff. And now I enjoy being home. That's

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when the discipline and the commitment. Yeah, because it's like a baby. You have to stay committed to your kid, I guess an animal you have to say. You better take it out he might tear up the whole furniture right? Right right you have to stay committed to your home. Because if you don't, it's gonna break is what you're gonna be talking about those water leaks, you have to pay attention to the commitment

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you have to pay. Well, if you're in a relationship with the house, yeah, so

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I got a question for you. If I sign up to be part of your program to get a new home, how long is the process?

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Well, of all Perhaps the answer is availability. Because our homes are tailored to you, right? So we have to find something that works for you. Prior to that, right, so the process could be anywhere 30 days, it may be two days, depending on if this if we have is available, if it's available, and you're ready to go and you meet our requirements, you can be home in 30 days. That's fantastic. That's fantastic. You can be home with 30 days. And right now we have 100 homes on contract. So it's coming to your town soon, it's going to be fantastic. So we were going to have a lot of opportunity for a lot of people to be homeowners that wasn't didn't even believe they could be homeowners. Were going to extend the feel and show these people as possible. What did he think was boss now

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y'all understand that? You know, being a homeowner is not a one night stand. This is a long term commitment. It's a long term commitment and you discipline comes with the commitment, discipline comes with the discipline comes with the commitment, because if you committed to do this, then I mean, because when stuff happens in the house, you want to you want to get it fixed, you want to handle the little cracks before

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they win wins. Always a win win. Everybody wins. Right? Everybody in the service part of the commitment, okay. When we're talking about life living, it's not about me and you as about how many people did we help? How many people did we we did we share something without? How are we able to touch those people that didn't think things are possible. Now square, the whole entire premise lies in helping service necessarily given people something they couldn't have, and watch their whole entire life transform. That's why we transform lives through the American dream of affordable housing, God, because we want you to have part of the American dream.

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And the thing about your mortgages, mortgages rarely go up rents do, I'm gonna just point that out. Because mortgages are kind of constant, if anything, your mortgage would go down before it. If it if it does go up, it's because the p&l went up. But if because when you first get in, you might have to pay the mortgage insurance?

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Well, no, if you depending on where you started the program. So if you starting on the rent to own process, you can come into as little as your first mortgage, your first rent, and your deposit. That's it to get into the house, depending on where you started. Now, if you're looking to get closer to the deed, you've come in with a nice 10% down payment. Right? But if you're looking to just go through the process, we don't you don't say well, you don't have 10%. So you can't you can't

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got it we have levels, levels, levels levels that have right,

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so we talk in bronze, silver, platinum, gold and platinum, okay, so depending on if you've got a nice large down payment, then you can be you can be part of the American dream even sooner, because it was doing renewal and financing for you. So we were paying you to be back bankable again.

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God was the bridge, right? It's the bridge

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to bridge to somewhere.

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So let's give that that website again. Because then and there's no age or is there an age requirement?

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Well, everyone says 80 We have to say TV. We

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put my loving you Oh, okay. I can't get him his own. Here. You live

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with the lottery you

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can at if I'm 18 years old, and I have a really good job, I should be able to get a house right. All right.

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Well, he promises to Don't forget our climates is two years

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of age. So I started working at 16, I got two years of employment. Absolutely.

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And you save some money, and you were able to make them the monthly payment, we're going to give you a chance. So note

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to self and getting nice job when he

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turns, I bought my first house at 30 I should have bought my first house at like 2223 Because when I got out of college, I had a great job. But I was spending money on things that I didn't really need and things that weren't bringing me any value. And if I knew at 22 what I knew at

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30 What's your intrinsic value? Did you feel good when he was buying stuff?

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Yeah, did it feel good for shop and I had some fabulous things. But it didn't make any sense you to me. I mean at the time it made sense. But when you looking at your your longtime growth and you forecasts are some of the things you want to do. It's really good to own property, because you can leverage that property at a different time for other things. So yeah, so

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again, I said no to stuff I'm getting a nice Nasir is good. I hope nasiha is not listening. I see are you getting a job as 16?

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We're talking about education. We're talking about empowerment. These are the things that most of us didn't know. Our family members didn't tell us because they didn't know

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we weren't listening but go ahead. Let's get it A website again,

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www. Templar T m p l a r, there's a hyphen between the template and the homes, H O M, E s.com

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Is their phone number. Okay, so let's, let's, let's, um, you can contact, simpler homes, we even have to home ownership at 70270284484463616351. And that's 702-844-6351. And if you didn't hear the minimum age that they had to put out, there was 18. But there is no maximum. So depending on where you are in your life, if home ownership is something that you want to do, please feel free to contact our guests at 702-844-6351. Because this is your second chance or your third chance or your fourth, whatever the chance might be for you. But if home ownership is something that you desire, and you don't know how to get back there, this is an opportunity for you to start to get because you have to start somewhere, and you don't know what you don't know. But what you can find out can change your life.

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Come join us. Come join, join and enjoy the American dream and

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enjoy the American dream of homeownership. Well, Cliff, I want to tell you, it has been a pleasure. Thank

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you so much. I'm thanking you and Rhonda for having me. This is a wonderful opportunity. And I am really happy to be here.

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Thank you. Well, this is let's talk with Leah and Rhonda. All right so Rhonda Rhonda Rhonda Rhonda, we had an amazing conversation with Cliff i Okay, so we buy in house,

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we buy some more houses, and we're gonna get some young people to buy some houses.

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We're gonna get the kids to buy a house. Absolutely, absolutely. Let's put the babies in house.

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I just want to say for all you listeners out there, if you have any students that want to learn about how to use money and learn about banking, that 100 Black men is having a youth empowerment club workshop, this starts today. That's a day right after this. We're early. It's 830 in the morning, so it's got to be at 10 o'clock. So

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how does that how you sign up for that. So

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you go to the 100 black men, las vegas.org. website, go under Programs, and you can see the sign up for the youth empowerment club. If you have a youth from 11 to 15. They should be part of this plan.

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11 To 15 Yep. Okay, so what's the benefits of being part of this class besides me sitting and besides

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that if your youth does not have a bank account, if your youth opens up a savings accounts during the eight week class and put in $200? We'll match them up to 200.

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We'll match them up to $200. Well, I think that is absent, because you want to know what I believe that we we talk about money. But when we talk we don't talk about money enough. And we should because like Zig Ziglar said, you need money like you need oxygen. That's right, I need money like any oxygen and if you learn how to handle the tool of money, that's right money can then work for you because money is the only thing that gets up and goes to work it goes to work every day don't get sick and ain't gonna catch COVID

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every day all day there are people here who have money working for them and they don't even have to get up and go into their open their eyes and be like well the money went to exactly they open their eyes and they see how the money worked overnight. So we teach we teach the children all those different things and this this session is open for girls and boys ages 11 to 15 So go to 100 Black man lasvegas.org sign your child or your grandchild or your niece or nephew up to date and look forward to seeing them today in the class.

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All right. All right. Well, I want to say as always Rhonda, you know, y'all caught me off guard because I wasn't ready for a second show this month. But we are here. I am happy to do this. Thank you to our wonderful Engineer Kevin I appreciate you and all you do for us until next month we will have another fabulous guest on right we share well okay we're gonna find we're gonna find something good to talk about but home ownership start the year off right child let's get disciplined. Let's get it we're not in the home. Let's get into one. Let's get into one let's make 2022 a different year. Until next month, this is Leah Crawford and I'm

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Rhonda Nolan you've been listening to less talk with Leah aku NV See you later

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You have been listening to a paid program sponsored by Crawford management group and smart time consultants. Please be advised that the voices and opinions you heard do not necessarily represent the views of K u and v Las Vegas, the University of Nevada Las Vegas or the Board of Regents of the Nevada System of Higher Education.

Transcribed by https://otter.ai