22 Burst results for "Mike Henry"
"mike henry" Discussed on The Gerry Callahan Podcast
"You're joking, but it's absolutely true. This would be a completely different ballgame if this man was nonverbal non-mobile in black. Or Gang. TRANSGENDER, okay. Yeah! I keep losing followers on twitter on you. They're like taking them away from me so I'm thinking of changing my bio two. What is the twitter by Black Trans matters or something? It's real work. The actual official twitter account of twitter. The Bio says black. Trans lives matter. I think if I if I go with that I think I'll be okay all right good every day. How can hate when people killed black transpeople right? I am totally against. Killing black trends lives or whatever then then I'm good. I'm good, but anyway you can read all about that on a Daily News. Dot Com or follow. Twitter of followed Aden on twitter COMMU twitter. At real uncle TV or you can follow real. Fall I'll give you that you're a good followed. Your on Parlor to now, right? I'm working on it. Yeah, absolutely I mean. You just do power through the show account. Why don't you just do that? Mistake I signed up. I don't even want to tell you when I signed up for Parlor I screwed up and I have to delete. Might Parlor Count Start over, but I'm going to do. Like five. It's like they're outcasts. You forgot about all these people milos on their to Crozon. Steen's it's. All these people that have been black Laura looming. On there I forgot about you. People in their on their their. It's like a whole. Culinary or my wife to help me fix my little mistake I made then I'll be on there, because I feel like it's only a matter of time before. I get twitter trouble his change. Change the show account to the Gerry. Callahan, so it's Jerry Cowan. podcast is just Gerry Callahan. You can take our what happened to my old partner Dino. He got banned from twitter again I was told. Throw him on the island. It's it's. He should be on. He gets more than you do in. Parlor is the worst APP I've ever used it. They got they got over. They have to improve. It sounds so what but you put videos? All we do is post videos. You can't put videos on their easily, so they need to product obviously. Working. We'll get there. We'll get there. I have a feeling you know once trump jumps to power alert. It's over for twitter. And follow people that they want to subscribe to the Turtle Youtube Channel Two I do a show. Tuesday Thursday and Saturday as well and Dave comes on of that. Maybe we'll. Sometimes cancel Gupta make sure he does a better job than his day. When you get them on, you can hear them better and see him better than you do it from home tomorrow. I came to one of the many of offices available tonight we should have been at the legacy club I would have gone the pair today that have been set to go back to Legacy Club. Out of the House, I am always a mission. She gave me permission actually was real. It was really my mom, so daycares are open today, right? It's not one of these other guys. The problem turtle boy and you know shattuck. Go, he's making the excuses because you don't WanNa. Go to the Lakers equality. More I'm making the excuses the legacy club. You know that, but they don't peanuts anymore. They don't have M's. The. COVID, there's no more eminem. So what am I going to give these guys for showing up? Jeez can we use a pool team released before the show? That's one thing I do. Every allowed to new rules. Looking with. Figure it out. Thanks Aden that is turtle, boy, ankle, turtle, boy and. You could follow him on twitter. He's a good follow is good ag. Follow and we'll do. We'll talk again hopefully this week. Thanks to shake Crete and allied paving. DC You a birch, gold and flagship. Thanks the culinary from barely showing up today. Put. Pay Try. Jerry Kelly and this is the calendar podcast and we will talk to them on. Why am I stopping? You know else stops. Can I go home? Good Gerry Callahan podcast..
"mike henry" Discussed on KNX 1070 NEWSRADIO
"Wave of covert nineteen shut downs Chrissy groups can extend seventy news radio the producers of The Simpsons will no longer have white actors voicing the characters of color Syracuse University pop culture historian Robert Thompson tells KNX it's not surprising that this happens now with racial equality being such a topic of conversation in the country sensitivities and consciousnesses have been raised and they've been gradually being raised over time but I think we're now in a period where the that that consciousness raising has been accelerated it's mystifying that a lot of this stuff was still going on prolonged and as long as it was the symptoms have been heavily criticized for having Hank is already a voice the Indian Kerr drop he stepped away from that rolled over earlier this year and Mike Henry who is white has announced he will no longer voiced the character of Cleveland brown who is black on the fox animated comedy family guy so how will police work change in the future California's top lawyer has some ideas training in the use of more verbal warnings and more de escalation training no more chokeholds and only shoot at moving vehicles under the most dire of circumstances just some of the changes that Attorney General Hodierna Sarah once for policing in California having our friends and our neighbors B. the folks that are supposed to service it would make the relationship with people officers must stop very different if they are part of the community that they're serving the Serra speaking at a virtual form on police reform nationwide the twenty twenty innovations conference California's legislature passed two bills to redefine use of force by police the Sir credited those legislative changes to an investigation that was launched by his office a couple years ago into the Sacramento police department Craig figure can extend seventy newsradio that's one.
'Simpsons' Producers Say Nonwhite Characters Won't Be Voiced by White Actors
"And major long do changes are long overdue changes are in the works for two of the longest running animated series on television major shifts outlined for the fox animated comedies The Simpsons and family guy the use of white actors to play characters of color on those shows family guy voice actor Mike Henry said it's been an honor to play Cleveland brown for twenty years but he's stepping down from the role Henry wrote on Twitter that he will stop playing the show's main African American character because persons of color should play characters of color the producers of the Simpson said in a statement that moving forward the animated series will no longer have white actors voice non white
"mike henry" Discussed on AP News
"Family guy actor my cannery whose white says he'll stop voicing the animated shows main black character granny Smith when he got out of it in your mouth and it's like Cleveland brown on fox's family guy since the series debut in 1999 he wrote on Twitter Friday he'll stop playing the African American characters because persons of color should make characters of color and read also voiced the Latin make Consuela his decision comes after white actors Jenny slate who voiced Missy on Netflix's big mouth and Kristen bell who voiced Molly on apple TV pluses Central Park pulled out of their roles as biracial characters saying they should be cast was someone of color I'm Julie Walker
Mike Henry to stop voicing Black character on 'Family Guy'
"Family guy actor my cannery whose white says he'll stop voicing the animated shows main black character granny Smith when he got out of it in your mouth and it's like Cleveland brown on fox's family guy since the series debut in nineteen ninety nine he wrote on Twitter Friday he'll stop playing the African American characters because persons of color should make characters of color and read also voiced the Latin make Consuela his decision comes after white actors Jenny slate who voiced Missy on Netflix's big mouth and Kristen bell who voiced Molly on apple TV pluses Central Park pulled out of their roles as biracial characters saying they should be cast was someone of color I'm Julie Walker
'Simpsons' Producers Say Nonwhite Characters Won't Be Voiced by White Actors
"The producers of the Simpson said moving forward the animated series will no longer have white actors voice and non white characters and family guy voice actor Mike Henry said he will stop playing the show's main African American character Cleveland Browns because a person of color should play the character of
‘Family Guy’ Voice Actor Mike Henry Stepping Down From ‘Cleveland Brown’ Role
"Family guy voice actor Mike Henry says he has stopped stepping down from the role of Cleveland brown Henry wrote on Twitter today that he will stop playing the show's main African American character because quote persons of color should play characters of color Henry I'll white man is voiced Cleveland since the animated series had its debut in nineteen ninety
'The Simpsons' producers will 'no longer have white actors voice non-white characters'
"Seven with calls for racial equality across the country the longest running scripted TV series is changing along time controversial practice producers of The Simpsons say that from now on white actors will no longer voice characters of color Syracuse University pop culture historian Robert Thompson tells KNX this should've been done a long time ago casting someone who is not Asian or African American or wow well whatever race the end with a white actor and thereby depriving the many many actors out there who could have played it I think doing that now is going to actually be making a pretty aggressive statements the series has been criticized for having Hank as area boys the Indian character up who he stepped away from that role earlier this year this comes on the same day that Mike Henry announced he will no longer voiced the black character of Cleveland brown on the fox animated comedy series
"mike henry" Discussed on 860AM The Answer
"Welcome back to the pain free release factor dot com studios it's the same the older Helene's in Campobello South Carolina and I would like to know why their National Guard I'm not going to be armed if they're called in to protect all the monuments that have been being vandalized and torn down but nine seven one SKG triple eight nine seven one seven two four three Larry elder on that front the president has signed an executive order has promised to protect these monuments he tweeted quote I just had the privilege of signing a very strong executive order protecting American monuments memorials and statues and combating recent criminal violence long prison terms for these lawless acts against our great country end of quote and according to fox news the new order enforces laws prohibiting the desecration of public monuments the vandalism of government property and recent acts of violence withhold federal support tied to public spaces from state local governments that fail to protect the monuments withdraws federal grants for jurisdiction to law enforcing agencies a fail to stop there desecration it also gives a system for protecting the federal statutes and on this evening AG bill Barr directed the creation of a task force to counter anti government extremist specifically specifically naming those who support the far right bugaboo movement and those who identify as antifa bugaboo movement book boogaloo move it I never heard of that one this type of the task force is going to be headed up by a U. S. attorney for the district of New Jersey and U. S. attorney from the district of northern Texas and we're going to share information with local estate law enforcement and provide training on identifying anti government extremists according to internal DOJ memo the statute under fire were Confederate soldiers and generals largely in the south but there are some people that had a role in emancipation and prohibited and the post labor and even some of those statues have been vandalized because not a whole lot of history is being taught when you're out vandalising stuff so the what miss continues the cancel culture culture continues did you know that a white actor voice the black family guy character I think I see a family guy a couple times and there's a black character and he's been played by a guy named Mike Henry he's a white actor who is voiced the character name Cleveland on family guy for twenty years and I stepping down saying that a black character should voice a person of color now the former prime minister of Canada of Canada has a son named Ben who is very popular daytime host in there some controversy over some comment that was made that was deemed to be racially insensitive and now he's stepping down from that job another job in another program stepping down from that job is as a person of color shock occupy the seat so maybe it's gonna start a trend what people like Chuck Todd too costly talks about racism and discrimination and they bisa black people have stepped down and turn over his anchor seat in favor of a qualified person of color Chris Cuomo talk about institutional racism systemic racism foundational racism you guys want to step down and you know turn over your job to a person of color so that there could be more diversity on cable news I mean it seems to me that's only fair I mean Jane Pauley hadn't she wealthy already here she is taking over from Charles Kuralt on that Sunday morning show that I enjoyed but you've already wealthy wasn't that third example of white privilege my goodness all these people already wealthy already working what about these A. list actors you can either turn down that road and recommend to your agent that a person of color take it and I'm sure the person of color might even be able to do the role for a lot less money than you were going to take him to win win for everybody you could feel better and the movie comes in under budget is this thing I want your some other messages I got about uncle Tom this is what I'm hearing a number of people tell me this that they have he tweeted about or retweeted something that I tweeted about it and then they get some sort of notice from Twitter saying that they're suspended because they tweeted hateful content Joseph palm city Florida Mister elder I just thought you should know I retweeted your movie with a link to some celebrities I did not add any commentary Twitter deemed it racist it's a spirit may I see I took a retweet your movie with a link to some celebrities I didn't add any commentary I just sent that to some celebrities and Twitter deemed it racist and suspended me I appealed imagine who you were as well as a brief description of what the movie was about to challenge the suspension and they would not repeal the suspension he's my handle is at Joe do so you can check it out yourself J. O. E. D. U. D. E. S. suspended for for re tweeting about the film because Twitter deems it to be suspicious or hateful content Mr elder just finished watching uncle Tom and I am in all the approximately one hour and forty five minute film moved me from beginning to end most of everything discussed in the film I was not taught in school or even college if I might add I did not see the film about race but this is a film for all of humanity the film was entirely about humanity and the human spirit created by the divine thank you from the bottom of my heart for the creation of this film and I have so much gratitude for all the individuals that share their life experiences now I must go white my eyes is this film is similar to when the Holy Spirit visit you in an amazing church service this film touch my soul and world will remain with me forever in the quote sign Michelle.
"mike henry" Discussed on NewsRadio 1020 KDKA
"In a moment regarding the president and his news conference for this afternoon I first wonder about my conversation with Mike Henry senior vice president of residential lending at dollar bank it might be worth talking about the mortgages and the PA cares program that offers a ninety day grace period for mortgages where people are able to have that time frame so that they don't to worry about making the mortgage payment and they're still gonna be able to stay in their home and not worry about any kind of foreclosure proceedings and then make those payments either over time or at the end of their mortgage period dollar bank extend this out to as far as six months and did I hear you say that the FHA is considering going out as far as one year yeah and that that Fannie Mae so for Fannie Mae on loans they're they're looking at potential of one year so that still you know it's still basically a six month with a possible extension that's the way it's being praised okay I think that'll do it you know things change every day and our world as it is in everyone's world you know receiving your guidance all of the time from the different agencies or regulators I just internally trying to figure out how to manage to help everybody so those things will change but currently that's what they have posted is six months over six month forbearance it could be extended as far as twelve month installation where he became unemployed and and maybe the business ultimately does close and you're looking for a new job and you're really in the unemployment group that may come out of this other than just the period of time or sheltering in place that would that could impact that group and most likely we will see some of that but that it just keeps developing here almost daily definitely let me ask you this so many of us who have mortgages that have our taxes and homeowners insurance tied into the mortgage payment what happens with those two points it would be the same thing I mean what what the bank does always is really that we continue to pay all the tax bills so even if we had a customer who was behind on their mortgage for for other reasons or maybe in the past the bank would continue to pay your taxes so there would be some adjustment to ask grow down the road but it's it could be the same type of thing is your principal and interest we're gonna look at him helping you repay it or extending the life of the loan whatever whatever it's going to take to to make it right and that you don't have to worry about it during the time that you may be unemployed in the are there any fees or charges of any kind that are associated with this for mortgages no not at all in fact they're you know not really gonna be late fees if you did make your mortgage payment course all those fees are waived also there would be no adverse affect your credit these will not be reported to the credit bureau as a delinquent loans so there's really nothing to worry about it other than everything you need to worry about is getting into the system so you need to you need to reach out and contact your lender your dollar bank customer you can contact us through various channels of that's important thing to do to get started to get into the program so that the sooner do it the better okay now what about other loans that people may have I'm thinking about home equity loans maybe a lines of credits personal loans car loans maybe even credit card debt how is all that working out yeah pretty much the same there's contact information to explain your hardship and you begin filling out the application for any kind of deferment or forbearance which would be ninety days for home equity loans and lines of credit auto loans personal loans or credit cards that can all be free without additional fees no derogatory reporting of to your credit so there's nothing to worry about on the credit side the difference is that ninety days versus six months right now okay but once again all it takes is either a phone call or best any email to go over all.
"mike henry" Discussed on NewsRadio 1020 KDKA
"I'm and you know, here's Mike Henry, he senior vice president of residential lending at dollar Bank, and Mike we have some really amazing news for people who have been putting off buying a home over the course of the past month month and a half your procrastination has paid off. Absolutely. Yeah. We're actually looking at lower interest rates actually the lowest. I think we've seen since April. Perhaps even February in some cases. But the thirty year fixed rate has dropped to four point two five percent. And as recently as the end of November beginning of December. We were close to five percent. The market was very close to that. We were at four and seven eighths some lenders cross country or at five five to eight percent. So we're down to four point two five percent. Which is really amazing. If you think about it there's been a lot of market turmoil. And as we've seen over the last month or so some volatility, I should say and mortgages have been kind of on the sideline, but there's been a lot of activity for investors. Buying into mortgage backed securities into treasury. There's multiple reasons for that. But today's move or the New Year's Eve through through. Now, it hasn't really been talked about as to why this is moving. It could be a flight to quality. It could be that. You know, the patient is that there could be an economic slowdown over the next year, and maybe the fed won't raise interest rates, and that's helping that end of the market. So. We have the interest rate hike in December that occurred with the fed an hour seeing mortgage mortgage rates lower. And I think that's been pretty consistent. You'll see that rise before they do it and then rates come down. So it's interesting. But four point two five percent on a thirty year fixed rate the fifteen years down to three point seven five percent FHA financing, which is thirty year fixed rate loan insured by the FHA at four hundred eighty percent. So we're really getting to very low levels again. Right. When you talk about the lowest we've seen historically it's about three and a half three and three eighths, and that wasn't for a very long period of time. But we did have that love and interest rate. So we're about three quarters away from that. So this is good news for those looking to buy a home or who haven't refinanced may may be able to take advantage of these rates, especially with the fifteen year three point seven five percent. Very interesting that we're seeing really good mortgage rates now. So we're looking at it being upwards of what five eighths off of of a high that we had just back that you mentioned how.
"mike henry" Discussed on NewsRadio 1020 KDKA
"Angie. No, Mike Henry is with me senior vice president of residential lending dollar Bank and Mike for a long time. There's been talk that the fed is going to raise interest rates one more time before the end of the year. And then there's concern while go. Okay, great. If they raise interest rates there are number of race that are going to automatically go up as far as credit cards and cars and stuff like that. But what could it potentially due to a mortgage loan? Well, I think it's going to do a one of two things if they if they do raise interest rates in December on the short the federal funds rate, it it will impact prime interest rates, which then impacts all of your type of things that credit cards. But as far as mortgages, the actually be the same or could actually help them to be reduced house, then well, if the feds raising interest rates there. Is is debatable right now. But if they're raising interest rates now, it's they're hedging against inflation or that the Konami gets to overheated. So they're keeping inflation in check which is a good positive for long-term investments like mortgages or treasury bonds. If you have a thirty year bond, if you're invested in bond funds, or if you're invested in a mortgage banks curious, you don't wanna see interest rates rise too quickly because that begins to erode the value or I'm sorry inflation to rise too quickly because that begins to erode the value of that bond, though are those investments so you gradual increases in rates are are natural part of the interest rate cycle. But you don't want it to be too radical or let it get inflation get too high. So that's the theory is that as they keep the interest rates in check who's controlling the economic growth to the pink keeping inflation from spiking, and that's a positive for investments as we've.
"mike henry" Discussed on NewsRadio 1020 KDKA
"There's HUD counseling is required before you begin the application process. So you can meet with Randy. Starting application, but we can't do anything until you've gone to a head counselor. So you completely understand it. But at the beginning, I can pretty much assure you that when you meet with Randy you're going to understand it completely. And we encourage you if you want to bring in family members for the discussion because the bottom line to reverse mortgages, if you take on you have no payment, but when you leave the house or whatever. If you dire decide to move sell the house, the there's less equity in the property because you've borrowed against it. And that's accumulating a balanced. So if your goal is to leave all of the equity in your home to your heirs than a reverse mortgage, or any type of mortgage is not going to be what you want. But if the family looks at well, it's going to be a better quality of life. You can stay in the home you can maintain the home, which is more important. So that when the house gets sold the loan gets paid off, and whatever equity is there. That's still goes to the air. If you were to die, leave your house to your heirs. Whatever equity. There is another words the Bank never owns the house, which is still a myth today, which hasn't been true for thirty plus years that the Bank does not own the house, if you simply walk away from property the Bank will eventually on the house, and that doesn't matter for it's a reverse mortgage or a conventional mortgage at point. So the the Bank doesn't want to own the house. Is there a way that you can lose the house there there actually is a way you could lose the house on a reverse mortgage, and that would be through tax default, if you don't keep up with your taxes of eventually that leads to foreclosure, and if you were to leave the property and just never do anything. And eventually, but you cannot lose the property you cannot lose the home because if anything to do with the mortgage itself in some other issue, correct? They would cause that loss. Right. You're you're you're protected by FHA insurance. Even if the house was sold below what was owed on the mortgage when you get to that point the FHA insurance pays the difference. So there's. No judgment deficiency or anything that's left behind as the as more money than what the house is worth the pause here for a moment. Mike Henry is with a senior vice president of residential lending a dollar Bank. I'm Angie back with more in a moment. Place.
"mike henry" Discussed on NewsRadio 1020 KDKA
"I'm Angie, no along with Mike Henry senior, vice president of residential lending dollar Bank, and Mike something I don't know that we've ever talked about this before land contracts. There are people who buy homes with land contracts, and may no longer want to be in that land contract relationship and want to be able to convert that into a mortgage, how has dollar Bank able to step in and play a role here in hell. Yeah. And and actually the the reason we were talking about it off the air was that is come up a lot lately. And so it's kind of interesting thing that we've never really talked about and land contract is where you have purchased the home, but really sellers holding the financing. That's the easiest way to explain it. Although they don't really follow mortgage, and you may not have transferred the deed, typically a land contract. You're you're still don't have the D transferred into your name. But it also typically has a some sort of balloon payment. So let's say five years ago. You took you signed a land contract. With the seller. You've been paying the seller every month, and you've agreed on paying that you're paying the taxes. You're you're making a payment to the seller. And it could be amortized like alone. It may not be, but they'll be giving you credit or building equity into the property as you own it. So you really are you have a vested interest or beneficial title to that property. It's kind of preliminary ownership you technically own the property. So if you've owned it, or if you've had the land contract for more than twelve months, we consider that a refinance. So they'll come to us and say, okay, I'm ready to get out of the land contract. We can treat that like a refinance mortgage where we use then your loan to value determined by how much you need to borrow the path land contract. You can't take out additional money like cash out. You can't borrow additional funds above what it would take to pay off the mortgage, plus finance any closing costs. Emily, use the current value to determine the loan value or how much equity you have in the property, and if it's less than twelve months, so you started this twelve months or less now, we consider. That to be a purchase. So you're you're looking at a little bit differently, but we can still credit you some of the equity that's paid monthly. Okay. Now, there's a off you hear the term lease purchase or rent to own or something like that. That's actually very different than something to be careful about if you're deciding to go down this road. So if it's something where it may be as a credit issue, or you don't have the down payment or a combination of it, or, you know, someone that's willing to sell the house this way where you give them some money up front, and they're really carrying carrying you for that time in the form of allow you to make monthly payments, and then move whether they have a balloon payment in their balloon payment would be for example. You got into a land contract at the end of five years you have to pay off the seller. So you have to get along to pay them off or I guess you could sell the house. A lease purchase or rent to own as you're actually renting the property. There is no type of ownership. It doesn't have the same effect as a land contract. You're just you're just attendant renting the property, and that can be okay. Could be the same situation where your credit is not where it needs to be. Or you don't have the cash yet for the down payment the difference being at the end of the lease purchase. Whatever you've negotiated with seller. Your credit is really only a portion of the rent that you paid. There's you're not making any kind of real equity payment. You have no ownership of the property, and then you would transfer the deed after the lease purchase many times that doesn't work very well land contracts, work fine. At least purchase doesn't work because the rules are in the mortgage industry for qualifying you that if you're making a rent payment, and let's say let's say a thousand dollars a month and the seller said four hundred of that goes towards the equity in the property the only way that we can allow the four hundred dollars to be credited towards the equity in the property would be if that is above the fair. Market rent for that property, and when the praise or does his appraisal. He says well, the fair if the fair market value for rent for that property was the thousand a month, then you none of that equity can be credited towards your down payment and closing cost. So that's that's something most people don't think about and we certainly wouldn't know about when they're signing a lease purchase or rent on. You have to be careful when you get into those types of agreements if you're doing it or if you're in one now and you'll run across this. Now, I've been able to work some of them out by advising both parties involve that well, the equity that you were willing to give them we could do it in the form of lowering the actual purchase price. So let's say you to cumulated five thousand dollars in rent credit, the seller could sell the house to you for less than five thousand. But it doesn't help you very much. You still need the down payment you need your closing costs. You're not getting the cash help. You're getting the the discount the price of the house. They're doing it. A different form. But it's it's it's not quite as you still have to come up with some money. Right. That you may not have had to if those numbers worked correctly. So it's kind of interesting that we, but we do see them, and it would make sense that they're coming up after five years five years ago was around two thousand twelve two thousand eleven thirteen somewhere. You know, any of that time where it was little tougher to get a mortgage and sellers are willing to do that. So we're starting to see that come to fruition that they're ready now to turn those into mortgages. Okay. And the best thing to do at this point is make the phone call. Yeah. Absolutely. If you're in one of these, and you you want to pay off the land contract or at least purchase sa-, call us at eight hundred three four four five six two six. We'll have you connected to one of our representatives. And they can explain exactly how you need to do. It. I come across a lot of people who say well. Yeah. The mortgage market is tight banks. Don't wanna loan the money. You can't get a good enough frayed. I don't have a good enough inch. Credit score and they're telling themselves. No. And every one of them. I say listen you need to contact dollar Bank. Because if there's an institution out there this trying to figure out a way of saying, yes. And do it responsibly. It's dollar Bank. And you guys are doing this all the time. Yeah..
"mike henry" Discussed on NewsRadio 1020 KDKA
"Ten twenty Katie aka, I'm Angie, no along with Mike Henry senior, vice president of residential lending at dollar Bank, and Mike something I don't know that we've ever talked about this before land contracts. There are people who buy homes with land contracts, and may no longer want to be in that land contract relationship and want to be able to convert that into a mortgage, how is dollar Bank able to step in and play a role here and help. Yeah. And and actually the reason we were talking about it off the air was that is come up a lot lately. And so it's kind of interesting thing that we've never really talked about and land contract is where you have purchased the home, but really sellers holding the financing. That's the easiest way. To explain it. Although they don't really follow mortgage, and you may not have transferred the deed, typically a land contract. You're you're still don't have the D transferred into your name. But it also typically has a some sort of balloon payment. So let's say five years ago. You took you signed a contract with the seller. You've been paying the seller every month, and you've agreed on paying you're paying the taxes. You're you're making a payment to the seller. And it could be amortized like alone. It may not be, but they'll be giving you credit or building equity into the property as you own it. So you really are you have a vested interest or beneficial title to that property. It's kind of preliminary ownership you technically own the property. So if you've owned it, or if you've had the land contract for more than twelve months, we consider that a refinance. So they'll come to us and say, okay, I'm ready to get out of the land contract. We can treat that like a refinance mortgage where we use. Then your loan to value is determined by how much you need to borrow the payoff land contract. You can't take out additional money like cash out. You can't borrow additional funds above what it would take to pay off the mortgage, plus finance any closing costs. Emily, use the current value to determine the loan devalue, or how much equity you have in the property, and if it's less than twelve months, so you started this twelve months or less now, we consider that. Out to be a purchase. So you're you're looking at a little bit differently. But we can still credit you some of the equity that's paid monthly okay? Off you hear the term lease purchase or rent to own or something like that? That's actually, very different and something to be careful about if you're deciding to go down this route. So if it's something where it maybe as a credit issue, or you don't have the down payment or a combination of it, or, you know, someone that's willing to sell the house this way, you give them some money up front, and they're really carrying carrying you for that time in the form of allow you to make monthly payments, and then whether they have a balloon payment in they're not a balloon payment would be for example. You got into a land contract at the end of five years you have to pay off the seller. So you have to get along to pay them off or sell the house. A lease purchase or rent to own as you're actually renting the property. There is no type of ownership. It doesn't have the same effect as a land contract. You're just you're just attendant renting the property, and that can be okay. It could be the same situation where your credit is not where it needs to be. Or you don't have the cash yet for the down payment the difference being at the end of the lease purchase. Whatever you've negotiated with seller. Your credit is really only a portion of the rent that you paid. There's you're not making any kind of real equity payment. You have no ownership of the property, and then you would transfer the deed after the lease purchase many times that doesn't work very well land contracts, work fine. A lease purchase doesn't work because the rules are in the mortgage industry for qualifying you that if you're making a rent payment, and let's say let's say it was a thousand dollars a month and the seller said four hundred of that goes towards the equity in the property the only way that we can allow the four hundred dollars to be credited towards the equity in the property would be if that is above the fair market rent for that property, and when the Fraser does his appraisal. He says well the fair if the fair. Market value for rent for that property was the thousand a month, then none of that equity be can be credited towards your down payment and closing cost. So that's that's something. Most people don't think about with certainly wouldn't know about when they're signing a lease purchase or rent on. You have to be careful when you get into those types of agreements if you're doing it or if you're in one now and you'll run across this. Now, I've been able to work some of them out by advising both parties involved that well the equity that you were willing to give them we could do it in the form of lowering the actual purchase price. So let's say you to cumulated five thousand dollars in rent credit, the seller could sell the house to you for less than five thousand. But it doesn't help you very much. You still need the down payment you need your closing costs. You're not getting the cash help. You're getting the the discount the price of the house. They're doing it a different form. But it's it's it's not quite as you yourself to come up with some money. Right. That you may not have had to if those numbers worked correctly. So it's kind of interesting that we, but we do see them, and it would make sense that they're coming up after five years five years ago was around two thousand twelve two thousand eleven thirteen somewhere, you know, any of that time where little tougher to get a mortgage and sellers are willing to do that. So we're starting to see that come to fruition that they're ready now to turn those into mortgages. Okay. And the best thing to do at this point is make the phone call. Yeah. Absolutely. If you're in one of these, and you you wanna, you know, pay off the land contract, or at least purchase is to call us at eight hundred three four five six two six. We'll have you connected to one of our representatives. And they can explain exactly how you need to do. It. I come across a lot of people who say well. Yeah. The mortgage market is tight banks. Don't wanna loan the money. You can't get a good enough raid. I don't have a good enough inch credit score and they're telling themselves. No. And every one of them. I say let's do need to. Contact dollar Bank. Because if there's an institution out there there's trying to figure out a way of saying, yes. And do it responsibly. It's dollar Bank. And you guys are doing this all the time. Yeah..
"mike henry" Discussed on KSRO
"Is on the wine road I'm, in west oak knoll outside of Napa talking with Mike Henry of the Henry. Ranch, winery as I was, learning about them I was surprised with the amount of varieties that come from this one estate granted it's the largest date but the Henry, label produces something like, thirteen different varietals. Or blends and the, varieties range from Pino gree- and Chardonnay mission to Pinot Noir cabernet. Zinfandel, to Maui beckon petite Virgo I said. To Mike don't you know you can't grow all that and won a state yeah we do a lot of. Different things I think one of the reasons they're they're a couple of reasons for that are vineyard. Is a diverse vineyard and I don't think. There's any, one thing that we could plant throughout that, would do, well everywhere We're also sort of at a at a transition point in the valley between most. Of what southwest really is Chardonnay Pinot Noir and Carlson most of us north of us is cabernet But. We've been through a lot of that ups and downs. And cycles of of white people grow here and that's a lot of what we grow is is a reflection of that timeframe so we. We've grown infidel, here since nineteen thirty nine There's been zinfandel on this property almost continuously since eighteen seventy. It's something that works very well here but it's not Not many people grow it in nap anymore it's. It's only around three percent of the, great Baker JR We still have a lot of Chardonnay. And and it was only, in the early nineties that Chardonnay was the most. Widely planted grape in Napa now it's only eleven percent so I think. The biggest driving, factor for a lot of this now is that you really get paid more to produce terrible cabernet. Than really good Chardonnay or or many of these other grapes and that's it's I don't know if it'll stay like that for I would suspect it won't stay like that forever so I think there's a. Value in having some diversity. And Sometimes I feel like maybe we're doing all too much but Vineyard supports that I'm just, the two that stand out to me are Chardonnay Pinot Noir where are they growing here that? They, can withstand, because you're still pretty warm air at you well I mean everybody, accepts the notion that Chardonnay and Pinot grow well and Carneiro and we're. Only a couple of miles from the northern boundary, of carnivals although an influence up this final. Aiming as the there's some remnants of the fog here, still But Historically there was a lot of Chardonnay and very good Chardonnay grown further north in the valley from. Here and you, know if you look at the data yearly variation is at least as big as geographic. Variation so, I I think the picture in many people's heads about how Climatically temperature differences Exist up and. Down, the Valley I I'm not sure the common perception is. Real accurate one then you have the, HR w label and this is kind of funny you label it differently because it doesn't live up to the standards of. The Hendry label get us too good to, sell the grapes. Do anyone else so I thought that was. Kind, of interesting basically it's the, family house wine but now you label and, sell it right but it also I mean when you we have one hundred fourteen acres of vineyard and and we do still sell some fruit, but they you know the long term goal is really to produce most of this. Fruit, in the Hendrick label and h w label and when. When you have this many different vineyard, blocks and different vine ages you're always going to have some watts of mine that you don't think are up to the. Standard of your best stuff in that maybe young blocks that. You're developing or it may be blocks from. Unreasonable, another in a in a, given year don't do what you hope they, would and and Having the, flexibility to to put some of that stuff in nature w label and having a wine that is a quality wine but also something that we think is a good value can really help our other Henry brand how many cases does and reproduce, now around thirteen thousand is what we're selling now That's international distribution we. Do It's not a big. Part of what we do but at at times it's a very important. Part of what we do so Canada's the biggest of that, and then some, in Europe some. In Japan You know a couple in a couple of cases China and. Other, places you're tasting, are by appointment here at the winery and you have a variety, of, tours and tastings that you offer and, understand Georgia's still one of the the guides and the morning tastings yeah so so George my uncle is spent a lot of time doing here and he he's I. Do tastings all over the country and I. Have people come up to me all the time and say that the best. Experience I've ever had in a vineyard or winery is, a tour with Michael he puts a lot of energy into it he. Has a very authentic background and a range of experience that's, rare here now And he's been here a long time he knows quite well yeah he. Has since I have pictures of him standing. In the binds when he was three and you know behind a horse and. Plough And Integrate picking box seventy six years. Ago so, yeah, he's he has. Been it's a very interesting family story and one who gets a majority of the credit for their. Success his Mike's, grandmother, Margaret Mike's grandfather died suddenly early on and Margaret maintain the ranch cared for her aging father and raised her children on her own for quite a. While many thought she would sell the, ranch but with, fortitude she hung on and live to be about. Ninety the Henry family owes a lot to. Her I'll continue with Mike and find out about his other family project went on the wine road continues.
"mike henry" Discussed on We Paid To See This
"That sort of harkens back to previous as a lot of previous movies, stuff going on it, which you don't need to know. No, and I had no idea. 'cause I had forgot. I don't even. I did see goes protocol. These movies come out every three years. It feels like it came out last year. I disagree. I feel like it came up. It feels like it's been a long time, but yeah, you're right. We saw last one together. I feel like it just sort of floated away into the. I liked it though. Yeah, I feel like the Las movie burp mission. Impossible movies are burp. I felt like it was an apparition that had a contractual obligation to leave goes protocol. It was. It was it was a satisfying burp was the last one goes protocol? I think it was a unionized spirit from the east of I thought, I thought the last. What was the one before you'd have to listen to movie? Yeah, those protocol. And then there was like all, find out requiem for let me tell you something wrecking Basel, the recommend reckoning. Impossible. The spun sponging sounds as most of the film. It's quite long, but it didn't feel like it. It has some of why people are so in love with Tom Cruise at the moment is that he's really, really just. Inhabiting his body, his age. There are other people in the film. Mike Henry Cavill who are clearly, you know, more fit than him, but he manages to sort of incorporate that and his smarts and his. He's witty. This movie's Yanni. They're all always funny. By the way, goes protocol was two movies ago. Last one was rogue nation or rogue nation rogue nation. That was when he's on the run. I love that one goes. People of the world today. Are you looking for better ways your life saying, we part of the road show..
"mike henry" Discussed on NewsRadio 1020 KDKA
"Into homes and able to? Do, it at low. Rates, what do you attribute that to well it's two things firstly, you don't offer products that people can't afford to pay back which would be I talk about adjustable and a lot, of people think it can be a bad thing for consumer but not it's not necessarily true in these kind of adjustable. Rates that we're talking about are very safe type of loans but if you're offering, products that are that can move rapidly that are not affordable. Or you're. Trying to do some. Sort of stated income thing we don't we don't do that second part would be we have, a good underwriting process and. We're, making sure that our consumers our customers are qualified For. The loan we're documenting it properly so that they're not getting into a situation where. They won't be able to repay and in some cases we will be to the point of saying you know you're not ready for a mortgage you're not ready to buy a house it's not affordable or qualifying for you at. This point in time so I? Think, those two things. Combined, keeps our loan default rate very low but we still do, a high volume of loans Mike Henry with a senior vice president of residential lending at dollar Bank and I like, the idea that the people who you will talk to when you call about getting alone they are not paid a commission. Why is that important to dollar Bank well first of all we we don't want, our employees to have to survive on a commission type of. Income we. Don't want to have. Them worried about making, a loan to make the mortgage, payment they have for their own home, but it's also too The customer knows that they're not going to try to offer them something they can't afford. Or, doesn't work for them simply to earn a commission so this we feel, this helps the customer understand, we like to help the customer understand what.
"mike henry" Discussed on News 96.5 WDBO
"Reexamine this and by the way mike henry for those of you who don't know is also a voice actor great voice actor he is the voice of cleveland brown and is it time that we go now we need a different voice for cleveland we need somebody else who represents cleveland is that what we're gonna do right chad now you being what am i being absurd he's a white guy mike kennedy's a white dude i really want to see indian south asian writer writers in the room not a token way genuinely informing whatever new direction this character may take including our voice or not does not voice and now and now how about this right so so you know you're you're of indian descent you've watched apu you've seen the poo and then they decide we're just gonna take off altogether therefore the controversy stops and you're like well wait a minute here we don't want that we've grown up watching it just as much as i bet you just like every other things whether it's the controversy with the redskins or any of the things you can find people that support this but it's this political correctness in this retro rage and i just i get frustrated about it and then they asked him you know are you ready to bounce from this thing i'm perfectly willing and happy to step aside or help transition it into something new i really hope that's what the simpsons does knowing makes sense but it just feels like the right thing to do to me and i'm sick and tired of answering all these damn questions about it because i'm just ready to go we'll chat people are offended by people are offended by everything have you ever watched south park have you ever watched family guy every episode is about offending the simpsons of the least offensive of the bunch and they're good i'm telling you man south park they're coming for you which you guys could care less about and the simpsons you guys are feeling it but they're gonna move over soon and they're gonna come straight at family guy and it's not gonna be you know the christians right it's not going to be the ones you would think it's going to be the ones you would think well i thought they'd be behind us they're coming.
"mike henry" Discussed on The Herd with Colin Cowherd
"I think like mike henry dillon brooks marshawn brooks who just got taken off the street like last week who else ivan rab deonte davis like guys like that it's gonna be it's gonna be like legendarily bad tanking yeah i mean it's it's really amazing how they've been able to kinda is there any way to fix it i mean i think they're gonna try with the lottery reform i think they're gonna try probably more extensive reform at some point than that but i'm not someone who gets like super up in arms about it i guess you know i think the nba got a little bit lucky this year to in regard to just the sheer number of storylines that are kinda hitting us in the faith like you mentioned everything from the warriors to the rocket speed incredible you'd mention the cavs drama the colli leonard situation that is you know quickly coming to a head i would say the bizarre marquel full steel that happened that took attention off of everything for a while there's so many random storyline through of course again ba season this year that i do think at some point it's going to come to a larger head where these high market teams or you know whatever you wanna call him big market teams are probably gonna get a little bit frustrated with the fact that seems like memphis atlanta orlando sacramento all these teams have been just so bad for so long that they continue to tank and they haven't yet turned over there it ministration despite the fact that they can't seem to figure out a way out of the rut so i don't know man like i it's it's not something i get up in arms about but also i totally understand why people would be frustrated about it because it totally kind of diminishes the competitive advantage.
"mike henry" Discussed on Never Not Funny
"There we go things on oh two it's the great mike henry on vogel i'm about to win five dollars you were alive for this there's nemi was there's no way this guy hosted saturday night live a why would he think that if it weren't turkey's yongin still well he i don't i don't think they're really don't have no who you're talking about of that grill jay johnson he was a guy that were kind of at colombo's sell overcoat with like a uh a floppy hat he had a cigar and that was his whole stick and it was now now i but it was a it was in desite guys i am already did it the only reason i know who use is because there's an episode of the simpson's where they go to branson and they have a la you can call me ray like memory unit who i seen that episode of i guess i didn't get the joke about a dozen hander comet johnston that was the payoff mmhmm hey mr johnson well you could call midway or you could calm richer you can commaret drawn to do newcomer ray ray dry like this whole thing but it doesn't have to convict josh that was the whole bit and it was awful but everybody did it at school kids did its work sammer's that it at work works for me he shirts for made look funniest fi i am bharti sure he did not host snl and i'm not sure why i thought that i i wanna know what you thought that i feel okay so there is one point at which there was this really dumb thing going round purely dead pools your host essono and then i was like has a character ever hosted snl and i looked it up and i could sworn that i'd saw that what was the other one that you said you i definitely don't know it was a momma for moms mammal.
"mike henry" Discussed on Playing Games with Jimmy Pardo
"Aren't we all carry what did you like about at the jaillike what was his name william i can't think of the actor's name how what's the start william cat raid when that came out said again carry i was in the fifth grade when that show came out i love everything about it i love the theme song i loved everything i had the forty five of the theme song i wanna say it yeah loved it joe scars buried as it is edited the song joe skull yelling so well joey scars gerrymandering so mark regatta question right it was using their it was there with a gift all right it's one to one here's your next one handson buzzer 's papua's strangers devon yes kevin lama mama's finish grow jets are that is a correct answer two to one kerri strug finish next one has a budget suv that's an employee we've this is a tough one yeah that's an employee i'm reading in i don't know how to rethink that yeah that that yet that an employee that's an employee huh waste we're stumped area to one mike henry thinks he might though it who's the bosses are correct answer it's going to be easy all the little layups some of the reporters they go off the room is that the opposite of who's who's that that who is that is you guys i was i know but i'm gary kevin i think that was a difficult one nobody this.