29 Burst results for "Parisi"

National Get Funky Day with Johanna Nuding

Podcast Gumbo

02:47 min | 2 months ago

National Get Funky Day with Johanna Nuding

"Hi. Paul, it's Joanna. Twenty twenty is taking its toll and so many people find themselves in a funk and not the arm swaying booty shaking kind of Funk Paul. I mean the depressed kind. That's why I need your help raising the vibration on this funke thon by promoting national get funky day. It's time to get our groove back. Give us some ideas for celebrating life and spreading love and light on this funky EST of holidays. Yes you anna there's no doubt many of us are in a funk this year but thanks to October fifth we have national get Funky Day and I have the cure for what ails us. Yes I'm talking about the song play that funky music by Wild Cherry, if that opening guitar riff doesn't get your booty shaking then something is wrong you. For my first recommendation I give you a shaping opinion episode were host Tim O'Brien Interviews Rob Parisi the founder of the band and they talk about that classic song they talk about how that song isn't just for an old fogy like me as the song continues to hook new generations. So crank that song on your record player and show off your dance moves using the national get Funky Day Hashtag. Today's gases Joanna noothing. Joe And I met the first day my very first podcast movement conference in two thousand eighteen. I think she was stalking me because I kept running into her for the next few days. Okay. That definitely is not true. But in a nice impromptu conversation, I learn more about cannabis than the had in my entire life before then. That's because Joe is the host of the casually baked podcast a great resource for the Cana curious when I say, I know nothing about marijuana I'm not lying. So when I scan Joe's podcasts, the first episode I went for was the four twenty episode where she enlighten me to a lot of industry vocabulary. For a third recommendation, Joe says and I quote. My podcast episode Rak happens to have the longest F- in name of all time. The podcast is on purpose would j Shetty the episode name is the one habit. All highly effective people live by and how to implement it in your life I thought it was a nice companion piece to the National Day I shared unquote. For today's hot sauce. I will state that I have never inhaled, but I'm actually not lying. Come back on. October eighth for something White Gooey.

JOE Joanna Noothing Twenty Twenty Depressed Paul Tim O'brien Cannabis J Shetty Founder Stalking Rob Parisi Marijuana
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

07:43 min | 6 months ago

"parisi" Discussed on WCBM 680 AM

"Parisi welcome back to the underwriters corner when I before the break I mention the fact that we this is this renovation loan we do so many of these loans I wrote a little book on it it's only about fifteen pages has pictures in it and here's the best thing it's written in plain English it tells you how this loan works it is an exceptional loan where you can borrow against your home and do any of the home improvements that you want to do the house from little jobs to very large jobs if you want to get a copy of the book it's free just call the office Graham a loan officer say Hey send me one of those three books that bill was talking about on the renovation loan the eight hundred number is three two one five five five five you have all of the loan officers available to you and they is no obligation on your part they don't want any money from you they don't want a credit card the advantages to answer your questions and get you started and the main thing that you have to do is get their name and their cell phone number so that if you have questions later today or tomorrow the next day or after work or on the weekend you can pick up the phone and get a hold of the loan officer but the I'm telling you this renovation loan is terrific and you know I'll give you an example I talk about a lot about it as a refinance but you can even use this loan when you're buying a house how many times have you looked at a house you think it's really just where I want it but it doesn't have central air and no way on god's earth on my putting am I going to buy a house without central air and you think to yourself I don't have the I don't have this how much going to be for central at ten grand I don't have another ten grand to buy this house that after I pay the closing costs and the down payment I I need ten grand to put central air in here you can even use it when you're purchasing a home it opens up a whole bunch of houses to you how many houses are owned by the bank and you know they they foreclosed on it maybe three or four years ago it's been sitting there empty and it needs some some help but I mean it be a you can get a great price for it the bank is willing to lower the price and you can get a great price on it but you don't have the money to do the needed repairs to it you can use the renovation loan all you do is give me contractor bids he's a bill I need an extra twenty five thousand dollars to fix this house up the way I want it just give me the contractor bids I will give it to the appraiser and tell I say praise her tell me how much is going to be worth when they do all of this renovation to it and I can go up to a hundred percent of what he tells me it's going to be worth it is a terrific program to do to open up houses to you that you didn't think you could look at before I give you an example I had a house I don't have it this this these three kids inherited grandma's house and they just all they want to do is put on the market and split the proceeds the three ways and the house you know the carpeting was as old as grandma and the kitchen was what Graham I use when she first bought the house and but the house was up it was a solid house but the couple that wanted to buy it they said bill it needs a good forty thousand dollars worth of work but I'm glad they're put on the market for fifty grand on the market they know it's in bad shape but I don't have the forty thousand dollars to fix it up they use the renovation loan I put that extra forty thousand dollars in an escrow account they buy the house just the way it sits and then as the contractor gets started on the house we pay the contractor and draws from the escrow account it is a very unique well this call the renovation loan get a copy of the book now tell you if you want to go to the web page our web page has the whole book on online how to get a copy of the book I make great bathroom reading but if you want to get a copy of the book you want to read it online are all web pages are name first preference dot com F. I. R. S. T. preference P. R. E. F. E. R. E. N. C. E. first preference dot com and the whole book is is on our web page there's also a quick little mini application on there it's only takes you a minute I have to fill it in if you fill that in and send it to one of the loan officers I promise you one of them will get back to you within an hour or two and if they're too busy I personally get back to you I want everyone to be able to get a hold of a loan officer and get their name and their cell phone number you know it's amazing when you talk to a loan officer you just have a few questions you hang up and the next day or you know or two days from now you think I didn't ask this question I want you to be able to call them back and get their cell phone number so that you can call them back and not get voice mail when you're buying a house you know there's nothing wrong with the internet you're trying to buy a vacuum cleaner to go on the internet you'll have it in two days but when you're buying a house you have questions and if you don't have questions you're not asking the right questions yeah you're gonna ask some questions you want to know about your income your assets your credit what you need to do one of the best programs everybody situation is different and they have the hundreds of programs talking to a loan officer you can figure out which one is best for you what are you putting down some money you want to go conventional or if you're trying to get in as with as little money as possible you know whether your you know when you're buying a house VA is the best financing around that's the for all of our veterans you can note on all these loans on VA FHA and conventional you can negotiate with the seller to pay some or all of your closing cost how do you do that well let's say the house you're looking at is three hundred thousand dollars and you were going to offer to ninety five well instead of doing that give the seller three hundred let's say in the contract I want you to pay five thousand dollars of my closing cost now that extra five thousand that you gave him three hundred for you to gain three hundred for the houses at a two ninety five is only going to change your payment by twenty Bucks a month twenty Bucks and now you don't have to lay out that five grand or if your closing costs was eight grand okay so given to all three and the email and given three grand more than he was asking that three grand is going to change your payment by twelve by twelve box and now you don't have closing costs to add to to pay and with the VA there's no down payment you literally as a veteran can buy a house without a penny out of your pocket if you negotiate with the seller to pay your closing costs and there's no down payment now if you're not a veteran there's the FHA the federal housing administration everybody else can use that and the only difference from the VA and the FHA is that the FHA requires a small down payment how small three and a half percent what three and a half percent well on a hundred thousand dollar house which aren't too many around would be thirty five hundred Bucks on a two hundred thousand dollar house three and a half percent would be seven grand about three hundred thousand dollar house three and a half percent would be ten thousand five hundred dollars that's the total money you would need if you negotiate with the seller to pay your closing costs and I'm gonna tell you a little bit more there's another program of them probably up against a break here but when there's another program that even though you're not.

Parisi
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

07:39 min | 6 months ago

"parisi" Discussed on WCBM 680 AM

"Parisi welcome back to the underwriters corner when I before the break I mention the fact that we this is this renovation loan we do so many of these loans I wrote a little book on it it's only about fifteen pages has pictures in it and he is the best thing it's written in plain English it tells you how this loan works it is an exceptional loan where you can borrow against your home and to any of the home improvements that you want to do the house from little jobs to very large jobs if you want to get a copy of the book it's free just call the office Graham alone offices say Hey send me one of those three books that bill was talking about on the renovation loan the eight hundred number is three two one five five five five you have all of the loan officers available to you and they there's no obligation on your part they don't want any money from you they don't want a credit card the advantages to answer your questions and get you started and the main thing that you have to do is get their name and their cell phone number so that if you have questions later today or tomorrow the next day or after work or on the weekend you can pick up the phone and get a hold of the loan officer but the I'm telling you this renovation loan is terrific and you know I'll give you an example I talk about a lot about it as a refinance but you can even use this loan when you're buying a house how many times have you looked at a house you think it's really just where I want it but it doesn't have central air and no way on god's earth and my putting am I going to buy a house without central air and you think to yourself I don't have the I don't have this how much could be for central at ten grand I don't have another ten grand to buy this house that after I pay the closing costs in the down payment I I need ten grand to put central air in here you can even use it when you're purchasing a home it opens up a whole bunch of houses to you how many houses are owned by the bank and you know they they foreclosed on it maybe three or four years ago it's been sitting there empty and it needs some some help but I mean it be a you can get a great price for it the bank is willing to lower the price and you can get a great price on it but you don't have the money to do the needed repairs to it you can use the renovation loan all you do is give me contractor bids he's a bill I need an extra twenty five thousand dollars to fix this house up the way I want it just give me the contractor bids I will give it to the appraiser and tell I I say praise her tell me how much is going to be worth when they do all of this renovation to it and I can go up to a hundred percent of what he tells me it's going to be worth it is a terrific program to do to open up houses to you that you didn't think you could look at before I give you an example I had a house I don't have it this this these three kids inherited grandma's house and they just all they want to do is put on the market and split the proceeds the three ways and the house you know the carpeting was as old as grandma and the kitchen was what Graham I use when she first bought the house and but the house was up it was a solid house but the couple that wanted to buy it they said bill it needs a good forty thousand dollars worth of work but I'm glad they're put on the market for fifty grand on the market they know it's in bad shape but I don't have the forty thousand dollars to fix it up they use the renovation loan I put that extra forty thousand dollars in an escrow account they buy the house just the way it sits and then as the contractor gets started on the house we pay the contractor and draws from the escrow account it is a very unique loan this call the renovation loan get a copy of the book now tell you if you want to go to the web page our web page has a whole book on online how to get a copy of the book I make great bathroom reading but if you want to get a copy of the book you want to read it online are all web pages are name first preference dot com F. I. R. S. T. preference P. R. E. F. E. R. E. N. C. E. first preference dot com and the whole book is is on our web page there's also a quick little many application on there it's only takes you a minute I have to fill it in if you fill that in and send it to one of the loan officers I promise you one of them will get back to you within an hour or two and if they're too busy I personally get back to you I want everyone to be able to get a hold of a loan officer and get their name and their cell phone number you know it's amazing when you talk to a loan officer you just have a few questions you hang up and the next day or you know who two days from now you think I didn't ask this question I want you to be able to call them back and get their cell phone number so that you can call them back and not get voice mail when you're buying a house you know there's nothing wrong with the internet you're trying to buy a vacuum cleaner to go on the internet you'll have it in two days but when you're buying a house you have questions if you don't have questions you're not asking the right questions yeah you're gonna ask some questions you want to know about your income your assets your credit what you need to do one of the best programs everybody situation is different and they have the hundreds of programs talking to a loan officer you can figure out which one is best for you what are you putting down some money you want to go conventional or if you're trying to get in as with as little money as possible you know whether your a you know when you're buying a house VA is the best financing around that's the for all of our veterans you can out all these loans on VA FHA and conventional you can negotiate with the seller to pay some or all of your closing cost how do you do that well let's say the house you're looking at is three hundred thousand dollars and you were going off a two ninety five well instead of doing that give the seller three hundred let's say in the contract I want you to pay five thousand dollars of my closing cost now that extra five thousand that you gave him three hundred for you to get even three hundred for the houses at a two ninety five is only going to change your payment by twenty Bucks a month twenty Bucks and now you don't have to lay out that five grand or if you're closing courses eight grand okay so given to all three and the email is given three grand more than he was asking that three grand is going to change your payment by twelve by twelve box and now you don't have closing costs to to and to to pay and with the VA there's no down payment you literally as a veteran can buy a house without a penny out of your pocket if you negotiate with the seller to pay your closing costs and there's no down payment now if you're not a veteran there's the FHA the federal housing administration everybody else can use that and the only difference from the VA and the FHA is the FHA requires a small down payment how small three and a half percent what three and a half percent well on a hundred thousand dollar house which there aren't too many around would be thirty five hundred Bucks on a two hundred thousand dollar house three and a half percent would be seven grand about three hundred thousand dollar house three and a half percent would be ten thousand five hundred dollars that's the total money you would need if you negotiate with the seller to pay your closing costs and I'm gonna tell you a little bit more there's another program mom of them probably up against a break here.

Parisi
Law professor falsely accused of rape, wins defamation case

Paul and Jordana

00:21 sec | 7 months ago

Law professor falsely accused of rape, wins defamation case

"A university of Minnesota law professor wins his defamation case and what may be the biggest award of its kind in state history Francesco Parisi has been awarded nearly one point two million dollars against a woman who falsely accused him of rape in twenty fifteen the judge in the case said Morgan writes accusations were false and made with malice right has declined

Professor Francesco Parisi Rape Morgan Minnesota
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

03:59 min | 9 months ago

"parisi" Discussed on WCBM 680 AM

"Corner and your host bill Parisi welcome back to the underwriters caught our if you just tuned in we have all of the loan officers of first preference mortgage sitting in their office they want no money from me that a lot of credit card they had they had just to answer your questions and I know so many of you want to know if these interest rates that have fallen is beneficial for you you can call them up and say loan officer this is what I owe this is what my interest rate is what are my options here what if I just take the lower interest rate what if I go down to a twenty year loan or a fifteen year loan what if I do both and you know go down to a twenty year loan and take some cash out and that's where we started about taking some cash out if you want to give them a call their eight hundred number is three two one five five five five now we're talking about cash taking some cash out you are stocked at eighty percent of the value of your home for a cash out refi but if you're doing home improvement only home improvement you can't pay off one little credit card to guide you take all the money you want out to do home improvement then you can go up to a hundred percent of what the value is going to be this is how we do that you have to use a contractor so you can't do the work yourself you have these a licensed contractor you just give me contractor bills that's let's say you let's say you are the person that has a three hundred thousand dollar house and you O. two thirty five so there's not much room there because eighty percent is two forty you only got five thousand but you want to put a new kitchen and for fifteen grand you want to put a new bathroom in for ten grand you want to put all new carpeting throughout the house for another ten grand and you might want to put new windows in all right well then you need fifteen twenty five thirty five forty five thousand dollars nobody's going to give you a forty five thousand dollars when you O. two thirty five in the house is only worth three hundred I can undo the renovation loan you just give me a contract to bid for the kitchen the bathroom the new carpeting and even the windows anything you want to do this house you give me the contractor bids I will give them to the to the appraiser and say appraiser I know this has only were three hundred how much this is the work they're going to do it new kitchen fifteen grand new kitchen ten thousand dollar bath new windows and new carpeting how much is the house going to be worth and you know maybe doesn't go up forty or fifty grand maybe only goes up twenty grand but he is the trick I can go up to a hundred percent of what ever he tells me the house is going to be worth so he said it's gonna be worth three twenty I can go from good to thirty five to two of two from your I'm sorry from your two thirty five up to the three twenty so I can lend you eighty five thousand dollars if you needed it now here's what I can do that I don't just hand you the at the money and I hope you put a new kitchen new bathroom and new carpeting in windows I put the money in an escrow account as your contractor starts to do the work we pay them and draws from the escrow account so that's the reason I can go up to a hundred percent of what the value is going to be because if you don't do the work you don't get the money and you have all the money you need to do any kind of home improvement you want to do I had one lady she had a little a little rancher a little two bedroom one bath rancher added what a data rich it was a Cape Cod a two bedroom one bath Cape Cod she had a contractor cut the roof off and add up stairs they added the three bedrooms and a bathroom and attached two car garage she changed a.

bill Parisi
"parisi" Discussed on WBSM 1420

WBSM 1420

04:35 min | 9 months ago

"parisi" Discussed on WBSM 1420

"B. S. M. Matthews brothers eight four four five hundred forty two forty two joining us now on the line is Erin Parisi she is the deputy director of communications for a trump twenty twenty and she's here to respond to the primary victories last night predominantly of Joe Biden again and now the Democrats are trying to muscle Bernie Sanders out of the fight he had a press conference early this afternoon and he said he's in it to win it he's going to Arizona for the next debate and they're still like oh let policy Gabbard into the debate so Erin what is what should the trump campaign's take away from last night's antics well first and last night showed the growing and unprecedented enthusiasm for president trump's reelection in in states across the country we have seen time and again record turnouts and record votes received for president trump in an uncontested primary and what you saw last night with the Democrats was the Democrat establishment putting their thumb on the scale and propping up a very failing candidate of Joe Biden to trying get him across the finish line to make him the presumptive nominee to trying to get him to be the one who goes against president trump at the I was listening to the sound clip there I mean we all know that Joe Biden has been a bad candidate for thirty years when he's trying to run for president and we know that his record both as a senator and the vice president are both terrible records as well it doesn't matter who comes out of their disastrous primary on the democratic side they will have had to espouse and become a radical liberal in order to do so because they all like to remember they all fit on that debate stage when there were twenty three of them and raise their hands to have taxpayer funded healthcare for people those legally in the country you see that time and again Bernie Sanders has rod the the orthodoxy and and and the thought process of the Democrat party so far to big government socialism it doesn't matter who comes out they will have had to become a far left radical Democrat in order to try and win the nomination and now Bernie is going to try to drag him up further to the left in the dust this debate as he made clear about I wanna play cut for you Jim Clyburn from South Carolina the the congressman who basically reinvigorated this campaign before the South Carolina primary then died he now has as we all knew he would he and James Carville and all the rest of the the ancient war horses of the Democrat party are trying to shut down Bernie Sanders it mainly I think it's that they're concerned about the primary so much as they want to keep him off the debate stage they don't want him to be live on television even sitting down for a couple hours but this is Jim Clyburn national public radio cut twenty four for the night is over divide and will be the prohibitive favorite to win the democratic nomination and quite frankly if the night ends the way it has been done okay it is time for us to set the primary now is time for us to cancel the rest of these debates because you don't do anything but get stuff in trouble if you continue this contest what is obvious that the numbers will not set up for you I think it's about the debates don't you Erin Parisi and that's right I mean get rid it is clear democratic coalition wants to protect Joe Biden they want him to be the nominee but they want to protect him from taking any prior whatsoever because they know he cannot handle tough questions he cannot handle an environment where somebody is pushing him we thought yesterday in Michigan he threatened to slap a man who was pushing him on his stance on firearms he's a terrible candidate and so with the democratic establishment is doing is stepping in to protect the person that they want to become the nominee for that at the end of the day they can try and make him better than he is I mean it's almost like weekend at Bernie's they just keep propping him up to see like cat looking so great we're going to be able to do this I'm glad you mentioned that error and we we pulled the little sound this morning for my weekend at Bernie's Taylor play whatever seems appropriate.

Erin Parisi
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

04:21 min | 10 months ago

"parisi" Discussed on WCBM 680 AM

"And your host bill Parisi welcome back to the underwriter is caught our if you just tuned in well yeah missed three quarters of the show but the big news today is that the FHA and VA interest rates dropped another half a percent I would have never believed it if anybody would have asked me that the last six months I know where they're at rock bottom now another half a percent and you can still do an FHA or a VA streamline no appraisal no qualifying except that you haven't made a thirty day late payment the last year that's it and with first preference pays your closing costs and you just lower your payment for the next thirty years and you say thank you very much better a hundred and fifty or two hundred or three hundred thousand my pocket than the banks and it's I'm telling you it's that simple just call the office you have all the loan offices in there you don't get voice mail yeah they'll get a secretary you have all the loan officer in every one of them will give you their name and cell phone number so that when you hang up from them you have another question you can call them back I don't want anyone getting sick getting voicemail and or you can call them tomorrow just call them up and lock in your interest rate because I don't know what's going to happen two days from now I could not believe that they would drop by half a percent they go right back up but once you lock it in the loan officer can email you back or text you or you can stop in our office and pick up a piece of paper that says your interest rate is locked in and you want to lock it in I you know I've never seen them drop by half a percent like this but anyone who has a three and three quarters or higher we can lower your interest rate at least a half a percent even from three and three quarters you don't take advantage of it you're going to kick yourself later saying you know I should listen to that guy on the radio I'm telling yeah it surprised even me and I thought I lost my surprise a long time ago but I had this surprise the heck out of me take advantage of it all right we were talking about the renovation loan whether you're looking to purchase a home or you're looking to refinance and you don't have that eighty percent loan to value stops you from getting that cash but I started to talk about purchasing a house the renovation loan is an FHA loan so it only requires three and a half percent down payment but it but the renovation loan opens up a whole bunch of houses to you that you could look at before giving example I've given it up before I had a young couple that wanted to buy the the these kids inherited the house these three kids inherited grandma's house and they were they just wanted to put on the market and sell it and split the proceeds yeah it needed some work Hey you know that it was grandma and grandpa's house they haven't done anything to it years the house was in good shape except the kitchen was probably as old as grandma and the carpeting was probably the original carpeting when grandma was a young girl and you know you walk into it you think oh my god it needs a new kitchen needs new carpeting this needs done that leads down in this house needs forty thousand dollars but these kids didn't have the money to fix it up they just put on the market but they put it under market by fifty thousand dollars because anybody who walked into it said Hey this house needs some work and that's great you get a house at a great price these this couple wanted to buy it but they didn't have the money to fix it up they use the renovation loan all they had to put up with the three and a half percent down payment under FHA and they gave me contractor bids for everything else they want to do this house I put all that money in the escrow account and they have the next six months to get their contractor out there and as the contractors to also do the work we pay him from the escrow account and draws anything you want to do so whether the house needs only five thousand dollars baby needs a new roof it is a seventy five hundred dollar new roof or it needs forty seven thousand dollars worth of work anything you just give me the contractor bids I will put the extra money and all you put down is the down payment is that three and a half percent when you're buying a house under FHA it is a terrific program.

bill Parisi
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

04:18 min | 10 months ago

"parisi" Discussed on WCBM 680 AM

"Bill Parisi welcome back to the underwriters caught are you know I want to talk about a program that you can use when you're refinancing and you can also use it when you are purchasing a home it's called the FHA renovation loan that let me tell you if you're trying to pull some cash out of your house you know you you have your house is worth let's say three hundred thousand dollars and you only to thirty five okay you have you you have sixty five thousand dollars worth of equity in the house and you want to pull out you know maybe fifteen grand to put a new kitchen and and you want to pull out another fifteen grand to pay off visa that you've had since you were twelve that never seems to go down you just keep paying it every month so you need fifteen thousand for the kitchen and fifteen thousand for the visa nobody's going to give you thirty thousand dollars even though you have sixty five thousand dollars worth of equity they will only give you up to eighty percent of the value of your home minus whatever mortgage you have so if you if your house is worth three hundred eighty percent is two forty will you to thirty five I'm gonna give you five grand and it would it would help you at all the renovation loan here's what it allows me to jail it allows me to go up to a hundred percent of what your house is going to be worth after you do the renovations now I can't use it for the visa card but if you wanted to take out money to put in that new kitchen and for fifteen grand or put a new bathroom in what new carpeting or new appliances or a new roof or finish the basement of finish the attic at your fix your electrical system or plumbing system and a room off the back even landscaping anything that's home improvement all you do is give me a contract but you have to use a contractor you give me a contract to build but yes a bill I was going to pay off the visa but I need fifteen grand for the new kitchen and I want to put new carpeting throughout the whole house I need other ten grand for that so I need twenty five thousand and there and everybody else is only gonna give me five grand because my house is worth three hundred I to thirty five but if you could give me fifteen grand for the kitchen and ten grand for the new carpeting I'd be pretty happy with that that's twenty five grand all you do is give me the contractor bids for those two things you want to do I will give the contractor bids to the appraiser and say appraiser I know this has only worth about three hundred grand now how much is it going to be worth when they put the new kitchen in and all the new carpeting throughout the whole house now maybe it doesn't go up thirty grand maybe doesn't go from three hundred to three thirty but I bet it goes up to three ten or three twenty I can go up to a hundred percent of what it's going what he what the appraiser tells me it's going to be worth and the reason I can do that I just don't hand you the the thirty thousand dollars and hope what twenty five thousand and hope you put the new kitchen and the new the new carpeting I take the money and I put it in escrow account you have to get your contractor out there as you can as a contractor starts to do the work we pay him and draws from the escrow account so we know the work is going to be done you don't get the money but it allows me to go up to a hundred percent of what the house is going to be worth there's no let alone like that it's called the FHA renovation loan we do so many of these we would have a book on the program you can call the office you have all the loan officers in their their eight hundred number is three two one five five five five three two one five five five five asin to throw a book in the mail to you it's a small book it's fifteen pages it has pictures in it I wrote it and it's it's written in plain English if you like to get a copy of the book we do so many of these that's why I put this book out so it looks plain the whole loan to you it works very similar ten it's a cash out refi when you don't have enough equity see if you have enough equity if the house was worth four hundred and you only want a pull out twenty five grand no problem you just do a cash out refi but when you don't have enough value in.

Bill Parisi
"parisi" Discussed on WMAL 630AM

WMAL 630AM

07:33 min | 11 months ago

"parisi" Discussed on WMAL 630AM

"Back to the underwriters quarter with bill Parisi welcome back to the underwriters corner I know so many of you have questions about refinancing let me throw out a general principle if you have an interest rate on your house right now that's at four and a quarter percent or higher there are many options for you pick up the phone and talk to a loan officer even if you're driving right now I know it's not a great time to talk to a loan officer call them up and just get their name and their cell phone number if you don't want to write it down while you're driving have them text you their name and their cell phone number so that when you get your destination you can pick up the phone and called them I'm telling you if you have a four and a quarter interest rate or higher there are so many even is especially if you have an FHA or VA loan on your house right now with doing almost nothing I'm sick I'm serious almost nothing no appraisal you don't have any closing costs to pay first preference will pay your closing costs we can do a streamline refinance all we're doing if you have an FHA or VA loan and your interest rates over four and a quarter all we're doing is lowering your interest rate and you say thank you very much you will send you out a little package you sign it and send it back in and for the next thirty years you will have a lower interest rate it's as simple as that it's called the FHA and VA streamline refinance it can't be simpler you say thank you and you have ever I will tell you something if you have a four and a quarter or higher I'm telling you you you it depends on your loan amount but if you have a four and a quarter a higher your payment will go down anywhere from a hundred and sixty dollars a month two four hundred and sixty dollars a month for doing nothing and get it's called the streamline refinance now if you don't have an FHA or VA loan you have a conventional loan okay well then you have to get an appraisal and we have to look at your income and qualify you but you too can lower your payment forever or you can do you have other options you can go to a twenty year term or you can go to a twenty year term and pull some cash out well good with thirty years stay with a thirty year loan and pull some cash out you'd be surprised you know if your payments going to come down let's say it's going to come down two hundred Bucks a month well you could pull out twenty grand if you have enough equity in your house you could pull out twenty grand and your payment was still come down a hundred dollars a month it's only about forty five dollars for every ten grand so many people not only got the lower interest rate but they can pull out five ten twenty thirty thousand dollars you can go up to eighty percent of the value of your home now I'll tell you something else you can even go higher than eighty percent if that is a big if if the money that you're pulling out is for home improvement so if it's for a new roof new windows new citing new kitchen a new bathroom new carpeting and up and hardwood floors the new electrical system new plumbing system finish the attic finished the basement even landscaping or adding a room off the back anything that has to do with the house if you would you pulling cash out to do work on the house you can even go higher than eighty percent in fact I can go up to a hundred percent of what your house is going to be worth it's called the renovation loan here's how it works you have to use a contractor but if you're pulling money out just to get for home improvement you can give me the contractor bids I will give them to the appraiser and say appraiser yeah I know well much as house is worth right now but this is the work they wanted to do it new kitchen a new bathroom they want to put a fireplace and really wanna put central air how much is the house going to be worth when they do all this work with their contractor and the appraiser might say all right well for three hundred now and this is forty thousand dollars were the work well I can't go up so I can go up to three forty but it'll go up to three twenty okay I can go up to three twenty and give you any of the money that you need here's what I can do that I don't just hand it to you and hope you do the work you told me you were going to do we put the money in an escrow account as your contractor starts to do the work that's on his contract Abed we will pay him and draws from the escrow account it is a great way to make your home great again as somebody used to say there it's a terrific program if you don't have enough equity in the house see most of the time you can only go up to eighty percent so if your house is worth three hundred and let's say you owe to fifty well eighty percent of three hundred is only two forty they're not gonna give you anything using the renovation loan I can go up to what the house is going to be worth let's say it's going to be worth after you do the renovations three ten well if you two fifty I can go from two fifty to three ten I can give you sixty grand when nobody else can because they stopped at that eighty percent and the reason I can do that is because it's all all the money you need is for home improvement it's not to pay off bills as either take a trip around the world but if you're doing it just for home improvement this is the perfect loan for you we even have a book on this program I wrote a couple years ago it's written in plain English it's only about fifteen pages it has pictures in it and it tells you just how this loan works you want to get a copy of the book call the office again their eight hundred number you have all the loan offices in their their eight hundred number is three two one five five five five telematics listen to me on the radio you want a copy of that free book we'll throw one in the mail to you have it in two days why you have the loan officer on the phone give them permission to run your credit and by the way people call me all the time and it's a bill doesn't it hurt my credit to run my crap the loan officer run my credit now not if you're running it once or twice a month that's you know that's that's normal if you run your credit six or seven times in a month yes that will do a little bit of damage not a lot but it'll change your credit score you don't want to do that but running your credit once the loan officer needs to know what your credit score is and what your bills are because then if you tell about your income they can tell you what you would qualify for what whether you're looking to refinance and use the renovation loan or whether you look into this to see how much you would qualify for in purchasing a home and then get their name and their cell phone number that's how I can that's the best thing I can do for you is put you with a loan officer and get their name and cell phone number for you again their eight hundred number you have them all give a captive audience you have them all sitting in the office their eight hundred number is three two one five five five five if you want if you want to read that book that I was talking about they could throw in the mail to you but if you want to go to our web page the whole book.

bill Parisi
Wild 6, Avalanche 4: Minnesota stays resilient in thrilling road victory

830 WCCO 24 Hour News

04:30 min | 1 year ago

Wild 6, Avalanche 4: Minnesota stays resilient in thrilling road victory

"And the college football playoff games today and tomorrow but when a Georgia Glendale Arizona so we have a ton of college football to talk about the timber wolves return home to get the Cleveland Cavaliers more on that a little bit later on why don't we start with the wild big win on the road over the Colorado Avalanche a wild one six four I sent out a tweet state Eric if they shrunk the goalie equipment we've seen some high scoring games as of late particularly you for the Minnesota wild this is like the old days yeah it's amazing I know that I know the wild at a shot out win on Monday against Calgary but you look at what happened last night that was six to four they had a six nothing loss a week ago today against Winnipeg they one eight to five nine days ago in the desert against the Arizona coyotes yeah it's just become video game hockey all of a sudden when the Minnesota wild are playing and I think most well fans would tell you and even the wild themselves that you know that's not the kind of game they necessarily want to be in a shootout I think they're more built to win three to two or two to one but they get it done last night in Denver and Devin duplex stopped forty of forty four shots so that's a season high saves for due back in the wild got that late empty net goal to ice the victory at Pepsi center that's pretty good Colorado team they beat on the road any road win the while get I think that's a bonus because we know it home they're one of the better teams right now in the NHL and they have a ton of home games coming up twenty twenty is back loaded with games at the axe for Minnesota so are they in the playoffs yet no but they're definitely in the conversation and as we've seen with the St Louis blues last year all you have to do is get in in the NHL and you and you never know I can't get over this turn around they were dead in the water early in the season I know they played a ton of road games early on they didn't look good they looked old they look slow goaltending looked to be a problem early on in the season and all of a sudden things of magically turned around and a lot of signs point to the veteran guys and Bruce Boudreau the head coach for being able to hang in there and stick with it once again in the NHL we know as much as any league in sport is all you need to do is get into the playoffs and you never know yeah yeah I just need to get in I I mean January of twenty nineteen the St Louis blues were the worst team in the NHL and they had a remarkable turnaround breeding and ample Harley that into a Stanley Cup the LA kings a few years ago or an eight seat and they took that all the way to a Stanley Cup so you're right get in you never know are you brought up Bruce Boudreau let's start there because I think a lot of of folks figured he was on the hot seat early on look he wasn't hired by bill Geren it wasn't even higher by Paul Fenton the guy gear and replaced so you start sluggishly and the team looks listless you figure Hey Boudreaux could be in trouble but the wild stuck with their guy and he's a veteran coach you have to give Bruce Boudreau a lot of credit for for keeping these guys focused on Hey it's a long season we we can still get this thing turned around if we start playing better hockey and then you look at it as you said the veterans Erica Stoll I think you know as a goal and seven of his last eight games including last night he's got thirty two points that leads the wild fifteen goals that leaves the team Ryan Suter is number one and assist with twenty there's another one of those veterans and a guy that eats up a lot of their salary cap because of that mega Bucks deal he in as Zack Parisi so getting the contributions from the older guys is huge because how many times have we talked in the past the V. D. this is a team that doesn't have a lot of wiggle room cap wise to make deals to bring in other players you know that it's it's a hard ceiling in the NHL with the salary cap so to be able to get production from a stall a suitor a Parisi that bodes well for Minnesota's Zach Parisi by the way third on the team in scoring their top three scorers are are the veterans stall so room Parisi Jason Zucker is a young guy who's battling that injury that we know he's fourth right now with with points but none the less the wild have made a dramatic turn around I

Arizona Football Georgia
French Oil Refineries Blocked as Pension Strike hits Day 23

AP 24 Hour News

00:45 sec | 1 year ago

French Oil Refineries Blocked as Pension Strike hits Day 23

"To France's all refineries were disrupted by union activists on Friday as pontiff nationwide strikes that have lasted for twenty three days the longest such walk out in front in decades from his interior minister insisted there will be no gasoline shortages and edge drive is not to resort to panic buying the strike also holds it about half the country's high speed trains on Friday while tourists and Parisi ends squeezed into buses and subway trains unions cold this year's strike on December the fifth against the pension reform plan they see is threatening to the French welfare state president Emmanuel McCall argues the changes would make the pension system more fair and keep it out of

France Parisi President Trump Emmanuel Mccall
Thousands march in Paris to protest pension reform plan

AP 24 Hour News

00:24 sec | 1 year ago

Thousands march in Paris to protest pension reform plan

"The strike also holds it about half the country's high speed trains on Friday while tourists and Parisi ends squeezed into buses and subway trains unions cold this year's strike on December the fifth against the pension reform plan they see is threatening to the French welfare state president Emmanuel McCall argues the changes would make the pension system more fair and keep it out

Parisi President Trump Emmanuel Mccall
Thousands march in Paris to protest pension reform plan

AP 24 Hour News

00:45 sec | 1 year ago

Thousands march in Paris to protest pension reform plan

"Two of France's oil refineries were disrupted by union activists on Friday as pontiff nationwide strikes that have lasted for twenty three days the longest such walk out in front in decades France's interior minister insisted there will be no gasoline shortages and edge drive is not to resort to panic buying the strike also holds it about half the country's high speed trains on Friday while tourists and Parisi ends squeezed into buses and subway trains unions cold this year's strike on December the fifth against the pension reform plan they see is threatening to the French welfare state president Emmanuel McCall argues the changes would make the pension system more fair and keep it out

France Parisi President Trump Emmanuel Mccall
"parisi" Discussed on WMAL 630AM

WMAL 630AM

02:37 min | 1 year ago

"parisi" Discussed on WMAL 630AM

"Now back to the underwriters quarter with bill Parisi welcome back to the final few minutes of the underwriters corner I know I spent a lot of time talking about refinancing but I do want to mention about purchasing a home let me start off with this renovation loan that I talked about in refinancing when you want to do home improvement to your house but don't have enough equity you can use the FHA renovation loan when you're buying a house now first of all FHA only requires three and a half percent down payment how much is that well on a two hundred thousand dollar house three and a half percent down payment would be seven grand and they allow you to negotiate with the seller to pay all of your closing costs and pre pays so all you need on a two hundred thousand dollar house is that down payment seven grand and they even allow you to get give letters so you only have five grand you can get a give letter from mom and dad grandma grandpa aunt uncle brother sister any immediate relative like that you can get a gift letter so that you can show the loan officer a loan of the only have five grand I know I need seven but I have a gift letter from grandma for five hundred dollars my mother for a thousand and my brother for five hundred I'm gonna have my seven grand so that you can get a pre qualification letter and go out look at two hundred thousand dollar houses now what if you find out let's say the loan officer proves you for a house the value mortgage up to three hundred and fifty thousand okay but you find a house for two seventy five because it's not in the best of shape you know it's owned by a bank they foreclosed on in a couple years ago it's been sitting there empty they know it needs thirty or forty thousand dollars worth of work but built very willing to sell it for two seventy five if you have to you don't have the thirty or forty thousand dollars that you need to do the repairs and renovations to it it would be great but you know the house has an old old kitchen the carpeting is probably as old as the house and if you had that extra thirty thousand dollars what a great price you can get on this house at two seventy five so it opens up houses to you that you don't think you can look at before you can use the renovation loan just like the person refinancing all you do is give me contractor bids is a bill I'm when I got this house for two seventy five but I here's a contracted bid for fifteen grand to put a new kitchen and and he has ten thousand put new carpeting in and it's kind of small so I like to put a room off the back for another twenty five grand so.

bill Parisi
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

02:34 min | 1 year ago

"parisi" Discussed on WCBM 680 AM

"And your host bill Parisi welcome back to the underwriters corner I spent a lot of time telling everyone about the FHA and VA streamline but I don't want to cut out the people who have a conventional loan you know it's very simple on an FHA or VA loan but there's really not more work that you have to do if you have a conventional loan the only first problem is your credit score is gonna be up in the seven hundreds at least seven hundred and the more work is on the loan officers part they have to order an appraisal they have to you look at your W. twos and pay stubs and make sure your income is okay if you're self employed they have to look at your tax return an average of over two years so there's more work on the loan officer site but if you have a conventional loan there's really not much you you need to do except tell the loan officer some more information that's all and with a conventional loan if you have enough equity in your house you know if your payment look at that guy Mike his payments coming down two hundred and ninety two dollars the guy to call them first if he wanted to if you have enough equity and his credit score was okay and let's say you want a pull out twenty grand let me tell you what what that what that would raise his payment twenty grand it's only three dollars and sixty two cents per thousand so twenty grand would be what seventy three dollars so instead of his payment coming down two hundred ninety two dollars it was still come down two hundred and twenty dollars and he could walk away if you have enough equity in the house he could walk away with twenty thousand dollars in his in his pocket and probably get rid of the mortgage insurance if he has enough equity so if his house because they only give you up to eighty percent of the value of your home so in this case you know he owed one eighty five he'd have to have his house worth around two seventy five so that eighty percent of that and he could walk away with twenty grand and his credit would have to be okay find out you have so many options especially if your credit if your present were interest rate is at four and a quarter now I'll tell you one more thing you know I keep talking about eighty percent that's the only money they'll give use cash however if the money that you're taking out of your house you want to use for home improvement now home improvement as well as a a large topic it's like where they were they were they impeaching trump on a very wide topic it covers everybody home improvement is.

FHA officer trump bill Parisi VA self employed Mike his
"parisi" Discussed on WMAL 630AM

WMAL 630AM

06:51 min | 1 year ago

"parisi" Discussed on WMAL 630AM

"Parisi. welcome back to the underwriters corner I know I really I just mentioned it really quickly on the the last bar of the last person that called in Ricky but I do want to make sure that I I that I get this point across to all of you if you have an FHA or VA loan I know this sounds too good to be true but the government is on the hook for your loan already if you have an FHA alone move or VA loan the FHA has already insured the the the loan that the lender won't lose money and that's why you were able to put down three and a half percent and on a VA loan they've guaranteed the lender that they won't lose any money. so they're on the hook for your loan if you go into default they have to make the the bank hole. so what they figure is what are they have to lose they don't need an appraisal are already on the hook for you alone what's the difference how much of praises for they're on the hook the alone now and as long as you haven't made a late mortgage payment thirty days late they're willing to give you a lower rate if that's what's available today and the rates are available so if you have a four and a quarter. they're they're only recall there they have two requirements number one the lender has to pay all of your closing cost and if they can still give you a lower rate by doing that they're willing to go along with that and that's as simple as it is I know it sounds too good but I'm telling you that's not going to make you rich but if it brings down the it's like the bank call you up and saying you're such a nice person I'm going to lower your payment by a hundred and sixty a hundred ninety two hundred and forty dollars a month whatever it is whatever comes out to and you have to say thank you very much I will I like that and for thirty years every single month for thirty years your payment has been reduced I'm telling you it's as easy as that if you have an FHA or VA loan and your interest rate right now is at four and a quarter do yourself a favor pick up the phone call the lawn of the loan offices at the office you won't get voicemail and it's an eight hundred number three two one five five five five even if you're driving right now and you know you you don't want to write down their number call them up and ask them to text you their name and their cell phone number everyone of those loan offices in the office will give you their name and their cell phone number I just say I'm driving right now can you text me your name and cell phone number so I can call you directly when I get to my destination or tomorrow when I have more time don't miss this opportunity these rates will not stay here forever so far it seems like forever I I've been really a surprise that they haven't gone up I thought the beginning of the summer they were going to go up but here we are in the middle of September and they're still holding in fact they they got better but at some point the gonna go up and you're gonna kick yourself and say I should listen to that guy on the radio there's no reason as you you know and some people say to me will bill maybe they'll come down another eight but if your interest rates coming down a whole percent already why wait and say echoes maybe it'll come down an eighth I don't know but it is a good. chance to is going to go up a quarter or half. take it and run you know they say the pay gets fed in the hall gets none if your interest rates coming down three quarters of a percent or hold percent take it and run it cost you nothing. so I that's my that's my words of wisdom to you specially if you have an FHA or VA loan now if you don't you have a conventional loan call the office and say you know what would happen what if I want to pull out ten thousand dollars or twenty thousand dollars and do whatever yeah let me tell you about pulling some cash out you can only go up to eighty percent of the value of your home so if your house is worth let's say three hundred thousand and you owe two hundred thousand well eighty percent of three hundred is two forty. you owe two hundred you could borrow up to forty thousand dollars but what if you owed to fifty well they're not gonna give you anything here's an exception if you're looking to pull cash out of your house to do home improvement not to put cash in your pocket but to do anything you want to do new roof new windows new siding new kitchen a new bathroom at a room off the back new carpeting new flooring finish the basement finished the attic put in central air put a fireplace in anything that's considered home improvements including landscaping if that's what you're using the money for there's a program called the renovation loan. I can go up to not even the value of your home I can go up to what your house is going to be worth after you put in the new kitchen or the new bathroom with a new siding with the new windows. up to a hundred percent of that value here's how I do it. number one you have to use a contractor you can't do the work yourself all you do is give me contractor bids what do you want to do. well here's a big bill for the a new kitchen fifteen thousand dollars here's a bid for ten thousand dollars to redo the bathroom and here's another ten thousand to put new carpeting and hardwood floors and so I need fifteen twenty five to thirty five thousand dollars but I two fifty and my house is only worth three hundred nobody will give me thirty five thousand dollars I can what I do is I give those contractor bids to the appraiser and I say appraiser tell me how much the house is going to be worth when this person puts the new kitchen the new bathroom and the flooring that maybe doesn't go up thirty five thousand dollars maybe only goes up to fifteen thousand I can still go up to if the house is worth three hundred now it's going to be worth three fifteen I can go from the two fifty that you up to three fifteen so I I could give you sixty five thousand if you needed it now the reason I can do that is I just don't hand you the money and hope you put the new kitchen the bathroom in the flooring is what I do is I put the money in an escrow account as your contract to start to do the work we pay him and draws from the escrow account so we know the work is going to be done well you don't get the money. it's a terrific program for those of you who don't have a great deal of equity in the house the way it sets like the person who owes to fifty and the house is worth three hundred nobody's going to give them any money because they can only go up to eighty percent you can under the renovation loan if you want to get more information about it you have all the loan officers of the company in the office their eight hundred number again is three two one five five five five we'll be right back after a quick break. first preference mortgage easier local and they're not a broker your lotus process and.

Parisi. Ricky thirty five thousand dollars eighty percent ten thousand dollars thirty years fifteen thousand dollars twenty thousand dollars forty thousand dollars hundred percent three quarters forty dollars thirty days
Willie Nelson cancels shows due to breathing issue

Lori and Julia

01:04 min | 1 year ago

Willie Nelson cancels shows due to breathing issue

"World Willie Nelson he was just here in the Twin Cities to go well last Friday yeah last Friday he's here with Alison Krauss to do on a co headlining tour well unfortunately for Willie Nelson he's had to cancel the rest of this tour because of a quote breathing problem Willie Nelson eighty six years old on the road and he said yesterday on Twitter I need to have my doctor check out and he said that all be back so he has to take care of something yeah well I mean he did know nobody surprised he's got Parisi yeah I mean this is like the Leigh I'm like well isn't pretty well eighty six yeah you know exactly so anyway hope is going to be okay but he might be war are he has an unbelievable schedule yeah he just did farming I mean he really does have like for his age yeah whatever his age and he loves to perform Lori yeah I heard but I would be tired maybe yeah but he he seems to

Willie Nelson Alison Krauss Twitter Leigh Parisi Lori Eighty Six Years
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

02:20 min | 1 year ago

"parisi" Discussed on WCBM 680 AM

"Phil Parisi welcome back to the final few minutes of the underwriters corner again you have all of the loan officers sitting in the first preference office give them a call their eight hundred number is three two one five five five five and they will stay in the office as long as your calls are coming in even after I go off the air in a few minutes but I want to mention something about purchasing a home you know the one of the busiest calls I get all the time is bill I've never bought a house before how do I get started the way you get started is to talk to a loan officer give them permission to run your credit now let me tell you something I got an email the other day from our web page somebody filled with that little applications and bill I like to get qualified to see how much I can be approved for and when I ran his credit report enquiries come up he had six different mortgage companies run his credit in the past week and I guess so I called them instead of emailing back I called myself the reason I'm calling you stop stop having companies run your credit report see if a if you have your credit report pulled once or twice a month no problem but when you have it six or seven times in a week I said what was your credit score originally usable the first company tell me my credit score was six sixty one I said well now you're down to five fifty three it doesn't change it dramatically but sometimes that that's important so you don't want to keep running your credit report that's the first thing but running it once or twice a month has no effect and the loan officer need your credit report so they can see what gets you have and what your credit score is and then if you tell me a little about your income they can first of all tell you what you would qualify for and they'll talk to you a few minutes into it this is different than you know the internet that's why I want you to talk to a live loan officer they'll ask you some questions what kind of assets do you have are you looking to put down ten or twenty percent and go with a conventional loan you have to have a seven hundred credit score for that what are you looking are you a veteran so many people don't even use their VA eligibility because nobody asks them if they've been a veteran so many women today are veterans and serve this country and nobody thinks of them I ask everybody if I'm in a bar and I've done by somebody attributed.

officer Phil Parisi twenty percent
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

03:04 min | 1 year ago

"parisi" Discussed on WCBM 680 AM

"And your host bill Parisi welcome back to the underwriters corner I started telling you about the FHA and VA streamline refinancing and I had stopped for commercial in there but the FHA and VA streamline I know they sound too good to be true and yes they are too good but they are true the FHA and the VA have guaranteed the bank they are the banks insurance policy that in case there's a default it is not an insurance policy for you it's an insurance policy for the bank that's why they've made you will loan under FHA with only three and a half percent down payment and under VA with no down payment so the government is like an insurance policy well the government's on the hook for your loan if because the interest rates out in the street are now lower than what you have they are willing to do a refinance I can't even call it a refinance because they're so simple hi there is nothing to even verify here's what the where they go they're willing to do it with no appraisal because they're on the hook for your loan anyway what if the value was gone down a little bit okay well they're on the hook for your loan anyway why get another appraisal same thing with your your income what if you don't qualify now what if you you're paying you got a different job and you're making a little bit less well but they're on the hook for you alone anyway and the only requirement they have is to requirements number one they won't let me put your closing costs on top of your loan so the lender first preference will pay your closing costs for you that's number one and number two you got it we got to prove to the FHA that you are mortgage payment has not been thirty days late in the last year that's it so it is quick and easy and simple they just lower your interest rate why because there's less liability if they can lower your mortgage payment by two or three or four hundred dollars a month well there's less chance that you're going to go into default so it's good for the more it's good for the FHA it's good for the bank and it's good for you everybody wins it's called a streamline refinance both if you have an FHA or VA loan now when should you call the loan officers last week alone I said well if you have a four and a half percent or higher absolutely called them up and do a streamline that they're so simple there's nothing to them we said you little packages sent it back in and even though it's getting to be the middle of July here will close you by the end of the month because there's nothing to really do is no ratios is no qualifying just that you've paid your mortgage not thirty days late in the last year that's it and last week I said you know if you have a four and a half or hired it's worth while well the rates have come down a little bit even if you have a four and a quarter it's still.

FHA bill Parisi VA thirty days four hundred dollars
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

01:33 min | 1 year ago

"parisi" Discussed on WCBM 680 AM

"And your host Bill Parisi. Welcome back to the underwriters corner. If you just tuned in I have all of the loan offices a first preference mortgage sitting in their office. I've invited them all back into the office. I made them put away their cell phones for just an hour. And they're sitting in the office, and you can reach them. We don't get voicemail. You don't get a secretary saying they're on another line or somewhere? You got all of the loan officers in the office. They have an eight hundred number three two one five five five five. I know most of our listeners are driving. And if this is not a good time to talk to them. Just call them up and get their name and their cellphone. Every one of these loan offices will give you their cell phone. So that when you get to your destination tomorrow whenever it's a better time for you. You have a direct line to them. And if you don't even have a. Then call them up and tell them to Tex you their name and cell phone number. So that when you get and have more time, you can call them directly. You know, when you're looking to buy a house or refinance. You don't wanna everybody's busy right now. People are trying to make sure they get in before these rates go up and they're going to go up. It's just a matter of how much and when but right now, they're holding and they've been holding all of two thousand eighteen and here we are in March of nineteen and they're still holding. Now, if he fixes this thing with China and gets these tariffs removed the economy is gonna take off. And when it does the rates are going to go with it..

Bill Parisi secretary China
"parisi" Discussed on WMAL 630AM

WMAL 630AM

02:36 min | 2 years ago

"parisi" Discussed on WMAL 630AM

"To the underwriters quarter with Bill Parisi. Welcome back to the underwriters corner. You know in the beginning of the show, I talked about the FHA and the conventional renovation loan. But the easiest thing to do like say your house is worth three hundred thousand and you only two hundred thousand and then you can go up to eighty percent of three hundred which is to forty and you can do you can take out forty thousand dollars. So if you have enough equity the easiest thing to do is to just do a cash out refi up to eighty percent. So you would get forty thousand dollars. And now, you can do anything you want with that money. You can do your home improvement. Maybe wanna pay off a visa as well anything you want to do that forty thousand dollars. But if the forty thousand was not enough or you owed more than two hundred thousand you can then use the renovation loan which allows me to go up to a hundred percent of what the house is going to be worth. After you. Give me those contractor bids. The. The thing with the renovation loan. You have to use a contractor a licensed contractor, and I pay the contractor and draws from the escrow account. I just don't give you the money. I put it in an escrow account, and as your contractor does the work we pay him and draws from the escrow account. So you have both ways available. If you have enough equity in the house, but then the easiest thing to do is just a cash out refi. But if you don't have enough equity, even that gentleman that that's that called me that he owes to ninety nine hundred is only worth three oh three he can do the home improvement as long as it's gonna make the house would be worth more. And certainly it's going to put a brand new kitchen in to this older house that already appraised for a little bit more than he bought it for two years ago. And then he puts a new kitchen in for fifteen grand and new windows in for ten thousand. Well, the house is gonna go up in value. It's just a matter of how much and all we do is get an appraisal with and I give the appraise of those contracts. This is what we're gonna do to the house. How much is it going to be worth when he's done? And that way you can do that. Now, let me tell you something more about let's talk about purchasing a home for a minute. Just like I talked about the VA because the VA is the one that you can go if you're refinancing. You can go up to a hundred percent of the value of your home. And then you don't have to report anybody just take the cash and do the home improvement or pay off credit cards, or do whatever you want with that money..

Bill Parisi FHA VA forty thousand dollars hundred percent eighty percent two years
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

02:29 min | 2 years ago

"parisi" Discussed on WCBM 680 AM

"Bill Parisi. Welcome back to the underwriters corner. You know in the beginning of the show, I talked about the FHA and the conventional renovation loan. But the easiest thing to do like say your house is worth three hundred thousand and you only two hundred thousand and then you can go up to eighty percent of three hundred which is to forty and you can do you can take out forty thousand dollars. So if you have enough equity the easiest thing to do is to just do a cash out refi up to eighty percent. So you would get forty thousand dollars. And now, you can do anything you want with that money. You can do your home improvement maybe wanna pay off visa as well anything. You wanna do that forty thousand dollars? But if the forty thousand was not enough or you owed more than two hundred thousand. You can then use the renovation loan which allows me to go up to a hundred percent of what the house is going to be worth. After you. Give me those contractor bids. The thing with the renovation loan. You have to use a contractor a licensed contractor, and I pay the contractor and draws from the escrow account. I just don't give you the money. I put it in escrow account. And as your contractor does the work we pay him and draws from the escrow account. So you have both ways available. If you have enough equity in the house. Well, then the easiest thing to do is just a cash out refi. But if you don't have enough equity, even that gentleman that called that called me, and he owes to ninety thousand only worth three oh three he can do the home improvement as long as it's gonna make the house will be worth more. And certainly it's gonna make you put a brand new kitchen in to this older house that already appraise for a little bit more than he bought it for two years ago. And then he puts a new kitchen in for fifteen. Grand and new windows in for ten thousand. Well, the house is gonna go up in value. It's just a matter of how much and all we do is get an appraisal with and I give the appraiser those contracts. Visit say this is what we're gonna do to the house. How much is it going to be worth when he's done? And that way you can do that. Now, let me tell you something more about let's talk about purchasing a home for a minute. Just like I talked about the VA because the VA is the one that you can go if you're refinancing. You can go up to a hundred percent of the value of your home. And then you don't have to report to anybody just take the cash and do the home improvement or pay off credit cards, or whatever you want with that money..

Bill Parisi FHA VA forty thousand dollars hundred percent eighty percent two years
Joe Parisi, Ford Snowing Memorial Chapel and James Carter discussed on Sean Hannity

Sean Hannity

00:41 sec | 2 years ago

Joe Parisi, Ford Snowing Memorial Chapel and James Carter discussed on Sean Hannity

"Hundreds gathered at Ford snowing memorial chapel today to pay their final respects to corrections officer Joe Parisi friend and fellow officer James Carter, no matter. What your first impression of them was eventually you couldn't help. But to like him. Sexist laugh, a radiant smile lineup even the darkest times. And Joe loved to have fun. He would find humor in every situation. And it was that humor that need working in prison. Bearable Joe would always remind you not to take life too.

Joe Parisi Ford Snowing Memorial Chapel James Carter Officer
Paul Manafort trial verdict: Reactions pour in

Jim Bohannon

00:52 sec | 2 years ago

Paul Manafort trial verdict: Reactions pour in

"Is pouring into. The guilty verdicts in the Paul Manafort trial one local congressman, says it's a bad reflection on the president even though Paul manafort's. Legal problems do not appear to be directly tied to President. Trump US, congressman Mark Po-Chun can says it's not, a good look for the president there's another bit of. Bad news for the president when your campaign manager is involved with. This much going on there's clearly gonna be a some price to pay for the. President John Mercure WTMJ news WTMJ's Jeff Wagner is. A former prosecutor he. Says despite mistrials on ten counts for Manafort the. Guilty verdicts are enough, to celebrate. For the prosecution the fact of the matter is he's convicted of eight Celani counts he's looking at. It a long time at, one conviction is as good as eighteen so this is a huge win for, the prosecution no, question about it Manafort faces a maximum of eighty years in prison

President Trump Paul Manafort Wtmj President John Mercure Joe Parisi Jeff Wagner Madison Congressman Mark Po-Chun Congressman Gaston Wisconsin Berry Nelson Uw Madison Donald Trump Dane County Celani Prosecutor West End Nixon Michael Cohen
"parisi" Discussed on WCBM 680 AM

WCBM 680 AM

02:19 min | 2 years ago

"parisi" Discussed on WCBM 680 AM

"Six eighty WCBS your. Listening to underwriters. Corner at your host Bill Parisi welcome back to the underwriters corner I promise you I'm going to, talk about this program this government program where it's very similar to the VA program but you don't have to be a, veteran and you can purchase a home. Without needing a penny out of your pocket and I'm going to get to. That but let me, first finish, up with the for, all the veterans out there I think most of you know if you're. A veteran you can actually buy a, house for no money out of your pocket you know when you. Buy, a house you have closing costs and, prepaids what, are closing costs and. Prepaids well let's say, you're buying a house for let's say two hundred thousand dollars you have closing costs which. Are is the cost for the appraisal and the credit report and the title work you see When you buy a house you have to, we have to hire a company to research the title to make sure that the house you're buying doesn't have any liens, on the property that nobody sued the. Old seller and there's a lien against the property which nobody knew about you. Don't want to buy, a house, that has a lien, on it never mind his mortgage we know that has to be satisfied. But there, might be other liens so, you need somebody check the court records to make sure that there. Is, no liens on the property so that's, title work, you also have to. Pay title insurance to, make sure that they didn't miss anything and you're buying a house, that has a lien. On it So that's called title work there's a cost for that there's also a cost for when whenever you buy and sell a house. In depending on the state and the county the state, and the county get a chunk of money every time a. Houses sold it's called transfer taxes, and stamps, depending on. The sales price and depending on the mortgage, then you have prepaids what a prepaid prepaids on taxes on the property you have to pay the taxes at the settlement table and you also have to buy a homeowner's, insurance policy to make sure that you know the God forbid. The house burns down to the ground the houses insured well if somebody. Breaks their neck on. Your front porch how you have insurance, so between the closing costs and. The prepaids depending on the county because the county will that that'll affect how much your taxes are but..

Bill Parisi VA two hundred thousand dollars
"parisi" Discussed on Alice @97.3

Alice @97.3

02:11 min | 2 years ago

"parisi" Discussed on Alice @97.3

"Told me good we get always look back it was better than it was maybe these are the moments maybe of a missile with us this year the past while missing out on that we've come so far parisi's and things you two sounds my friends say them to ask you may i didn't half french.

parisi
Trump pardons ex-Cheney aide Scooter Libby

The Larry O'Connor Show

01:06 min | 2 years ago

Trump pardons ex-Cheney aide Scooter Libby

"The underwriters corner don't miss the underwriters corner with host bill parisi sundays at eleven right here on wma al wfan fm woodbridge wma washington shot at one thousand dollars four times w m a l a cumulus station delay all news at three thirty i'm marie leaf new this hour house speaker paul ryan says an nbc interview he backs majority leader kevin mccarthy is california as his successor the white house has pardoned vice president dick cheney's former chief of staff scooter libby who was convicted for his role in the valerie plame scandal white house press secretary sarah sanders says the president felt libby was unfairly convicted pardoning libby was the right thing to do after the principal witness recanted her testimony the dc court of appeals panel unanimously voted to restore mr libya's bar membership after being presented credible evidence in support of his version of events and it appears that that key prosecution witness judith miller changed her recollection of the events in question wwl sports brought.

Principal Press Secretary Valerie Plame Chief Of Staff Dick Cheney Kevin Mccarthy NBC Paul Ryan Bill Parisi Judith Miller Mr Libya Libby Sarah Sanders Vice President White House California One Thousand Dollars
Iowa Senate leader Bill Dix resigns after video shows him kissing lobbyist

Simon Conway

01:39 min | 2 years ago

Iowa Senate leader Bill Dix resigns after video shows him kissing lobbyist

"Local story this hour i was senate majority leader bill dix is resigning after a cell phone video surfaced which appears to show decks kissing a woman in a bark senate president jacque wit for has released a statement stating he believes dicks made the right decision to resign and election will be held wednesday to name a new senate majority leader a democraticleaning website posted the video and claims the woman is a lobbyist a car flew off the eye 8035 ram near bob brown chevrolet in urban del this morning tumbling down a hill rolling over several times smashing through a fence and finally hitting a new truck and the law near douglas avenue a paramedic who just happened to be there at the time ran to help urban del police say the driver had minor injuries damage to the truck was minimal a called of the cops in des moines this morning at a very risky potential it escalated very quickly as the officers responding that uh the suspect with threatening to kill the victim and then he he started to them for gasoline around the home thirty to set on fire i've seen these things have before were were people make these types of threats in in typically they don't follow through with them in this case the officers actually heard him lighting a match when police surgeon paul parisi tells who radio news the fire was spreading throughout the second floor of the house in the seven hundred block of thirty fifth street while police officers arrested the man and got everyone out of their antonio sparks is in jail facing several charges including first degree arson our top national story police an austin texas still radio news time 402 traffic weather and ladonna harvey inforce simon conway next humble be more news and he's got something to say about it your in the right place nobody else.

Bill Dix Jacque Wit Dicks Des Moines Paul Parisi Arson Austin Simon Conway Senate President Trump Antonio Sparks Texas Thirty Fifth
Serena Williams wins first match at BNP Paribas Open in Indian Wells

Golic & Wingo

01:51 min | 2 years ago

Serena Williams wins first match at BNP Paribas Open in Indian Wells

"The top well in her first competitive singles match in over four hundred days serena williams does what serena williams does does she defeated serena diaz in this yes thank you serena beat zorina that's a tough one in straightsets at the paris open williams struggled to find your first serve winning just sixty three percent of those points however she went sixty four percent of points on her second serve for the first time since 2015 that she's one more often on her second serve that are first in a match but that's really irrelevant what does in palm springs right here so word that legal sponsoring so let's get the information correct decides on their spell phonetically for you so you could pronounce it properly let's try it together and np pair reebok open there you go that's what i meant mary barra widened perry bob brought to you by you felt like parisi like paris perimeter why not start good i think the shows off the rails stance already 614 broad normally 600 really you so you're doing good okay ahead of the game uh so anyway the bottom line is chewbacca doing the thing and that's the best thing the goat is back out there to order that's all that matters right she has the most gram slam titles of any active player would really that's irrelevant you just want us year playing competitive tennis much in the same way that we're talking about tiger woods different circumstance well why they had the the missing time in her career but we start looking at surveyed away as one the most dominant athletes that we've ever seen and you just want to see glimpses of their greatness early on as she starts to continue our playing career we'll look it was really weird after she won the 2017 australian open while pregnant of beating her older sister venus and then watch and see how many of the the the other women onto a realized she's gone we have a chance for his saying there's a change as always amazing how many exhorted really stepped up their game and their prep race like okay now the cheese out.

Serena Diaz Straightsets Paris Mary Barra Parisi Serena Williams Perry Bob Tennis Sixty Three Percent Sixty Four Percent Four Hundred Days