Episode 32: Navigating Home Financing with Chelsea Price of Mortgage Ready LLC | Between Two Doors

00:00:00:00 - 00:00:20:13
Nate Carver
Hey, this is Nate Carver, your favorite mortgage guy and host of Between Two Doors. Today, we're talking with Chelsea Price. If you've ever had questions about credit, credit repair, what that means to buying a home. And your bottom line. We're going to talk to Chelsea. She is with Mortgage Ready LLC.

00:00:20:13 - 00:00:41:06
Nate Carver
Hey, I'm Nate Carver and welcome to Between Two Doors.

00:00:41:06 - 00:00:43:21
Nate Carver
Hey, Chelsea. How are you doing? Hi.

00:00:43:21 - 00:00:46:11
Chelsea Price
I'm good. Thanks so much for having me.

00:00:46:13 - 00:01:07:07
Nate Carver
You're welcome. This is going to be a fun conversation. I think, everybody, from time to time, their credit goes up and down and they're wondering whether Fico score went and what ultimately does that mean? And, you and I are going to talk about that in regards to housing and, seeing what we can do to help people hang on to their hard earned income.

00:01:07:09 - 00:01:16:13
Nate Carver
Tell me, tell me a little bit about Mortgage Ready LLC and how you came about being a part of Mortgage Ready.

00:01:16:15 - 00:01:49:20
Chelsea Price
Yeah. So, I've been over here for just a little over a decade. Mortgage ready has been around for going on, well, getting up on 15 years now. Basically how we established is, the owners of the company had a moment where they were realizing that there were a lot of credit repair, resources out there, but unfortunately, it didn't seem like a lot of them were working in the way that was actually the most beneficial.

00:01:49:22 - 00:02:20:05
Chelsea Price
They kept finding that a lot of companies were it honestly kind of purposely dragging out the process to continue collecting from clients month after month after month, rather than actually getting folks, quote unquote, mortgage ready. So it kind of came from, a need, that was seen that wasn't really seeming to be fulfilled. And really, what we wanted to do is partner with mortgage professionals all over the country.

00:02:20:05 - 00:02:49:13
Chelsea Price
That way, we could kind of prove our accountability because, you know, whereas a lot of times people hear about credit repair from advertisements and marketing, we're referred directly from mortgage professionals trying to close loans, which means not only do we have to do a good job, but we have to do a good job quickly, otherwise, in which professionals are not going to continue referring their clients and mortgage rates won't be around anymore.

00:02:49:15 - 00:03:11:09
Nate Carver
Right? So ten years in the industry and helping people, get ready to buy a home. Tell me, is there an incident, a couple family helped that stands out to you? Maybe the very first one you ever did. What did that mean to you? Kind of briefly tell me what you can about that and what that meant.

00:03:11:11 - 00:03:38:16
Chelsea Price
Yeah, well, it's it's hard to pinpoint one, to be honest with you, because. Well, we've met a lot of folks. I will tell you, majority of the time when I am first meeting an individual, they don't currently own a home. They're usually renting. And, you know, in all the years I've been doing this, I'd say most of the time when folks have struggles with credit, it's not a result of negligence or not caring.

00:03:38:16 - 00:04:02:07
Chelsea Price
It's usually because something has happened and life doesn't happen in a bubble and it trickles down to everything, including credit. And the way credit is designed is it's made to be honestly quite unfair. And so folks end up getting in these holes and they don't know how to get out of it by themselves. And again, the way credit's designed, it's almost made nearly impossible to do it on your own.

00:04:02:09 - 00:04:41:02
Chelsea Price
So a lot of times when I, when I'm meeting someone, they have gone through something, and they just need a little bit of help. You know, there have been a number of instances where we've helped folks that have gone through, like, traumatic medical situations, and they just have that dream of home ownership. You know, there is one family that I can kind of think of because it was a it's kind of a sad story, but basically, it was a older husband and wife, wife had, cancer and she, desperately wanted to get into a home, before she passed.

00:04:41:02 - 00:05:02:07
Chelsea Price
That was their dream. Okay. We did work on the credit. We did get them to that mortgage ready level, and they move forward on their home loan. And a couple years later, the husband called us, thanked us and said, you know, she was only in the house for a little over a year before she passed. But we were able to get that because of y'all.

00:05:02:09 - 00:05:22:01
Chelsea Price
And that's just, you know, those are not, unfortunately, uncommon stories in a way, but it is something where, you know, I will say, I do think that we help people to be able to achieve dreams that they may not be able to achieve by themselves. So it's it's important.

00:05:22:03 - 00:05:27:04
Nate Carver
So what does what did that mean to you?

00:05:27:06 - 00:05:47:24
Chelsea Price
Yeah. Well, I mean, I'll tell you when I very first started doing this, I didn't really know anything about credit. I will tell you, there's no class you can take. There's no school. There's no college. Again, credit is kind of designed to be difficult to understand on on purpose. The credit bureaus are private, for profit companies.

00:05:48:01 - 00:06:11:10
Chelsea Price
They make money from posting things. Right. And so one thing that I learned early on, is if you have a poor credit score, I mean, it's nearly as bad as walking around with, like, like a conviction sometimes. The damage and the amount that it can hold you back. So to me, it's really opening those doors to people.

00:06:11:12 - 00:06:37:10
Chelsea Price
Yeah. And and taking a truly kind of flawed system, teaching people how to play the game against it. Because, you know, one thing I will tell folks is, you know, we don't really work with the bureaus. If anything, we're kind of working against them and teaching folks how to the rules of that game so that they can come out on top and, you know, hopefully never have to worry about their credit again.

00:06:37:12 - 00:06:54:20
Nate Carver
Right. Good. Okay. Awesome. So let's talk a little bit about some, credit repair basics, for buyers, for homebuyers and homeowners, what are some of the most common credit issues that you're seeing, people come to you with in the current market?

00:06:54:22 - 00:07:19:12
Chelsea Price
Yeah. Well, I think for the most part, it's usually more so just like, misnomers and just not understanding things because again, it's it's not taught and it's kind of made to be confusing. We definitely, have an issue with, folks coming in and then, just, just general not understanding. A lot of times I'll hear folks say, well, I've disputed all these accounts and they're still there.

00:07:19:14 - 00:07:39:08
Chelsea Price
And then we kind of have to have that conversation. As far as, you know, disputes don't help. You know, you can dispute anything yourself. You can hire a company that disputes something. But the only thing that a dispute does is it adds a remark to the credit underneath that account stating you disagree with that item. It doesn't force any legal action to take place.

00:07:39:10 - 00:08:05:11
Chelsea Price
And if you end up with too many disputes on your credit, it can actually make your report seem unreliable. It can prevent underwriting from being able to go through so a lot. Yeah. You know, a big part of what we do is just that, that teaching and kind of trying to dispel some of those, that misinformation. And another thing that we oftentimes see is, you know, I'll be talking to someone and they'll be like, well, I'm pretty sure my credit's about to be cleaned up here soon because I just paid off everything right?

00:08:05:11 - 00:08:29:18
Chelsea Price
All my negative items, I've taken care of them, which logically, from a logical standpoint, that should help, right? That should work. You have a debt, you pay. That debt probably should be fixed. Unfortunately. You know, the reality is when you pay off, a bad item doesn't remove it right away. It continues reporting for 7 to 10 years from the date of payment.

00:08:29:20 - 00:08:56:03
Chelsea Price
You know, again, this this is information that's not, just out there. Another thing that I hear is, there's a misnomer that, net negative items will go away naturally on their own after seven years. That's not true. Okay. What that comes from is the fact that when you pay it, then the clock starts ticking 7 to 10 years from that date.

00:08:56:05 - 00:09:24:10
Chelsea Price
But a unpaid negative item, there's no statute of limitation that that debt could, could stay on forever. So for the most part, what I find more so than anything is just a general lack of understanding. And, you know, I would not ever fault the individual with this because underlying that is just a general direction of not teaching.

00:09:24:10 - 00:09:32:14
Chelsea Price
And kind of misinformation on purpose in a way. So. Right, a lot of it's that if that answers that.

00:09:32:16 - 00:09:52:19
Nate Carver
Yeah. You covered a couple of questions. I was going to ask it on, you know, the difference between a credit repair. Yeah. Company such as yourself and then doing it on your own. And I think, you know, that was a key, key point there on on the disputes and how those disputes do pile up. If you're trying to do it yourself.

00:09:52:24 - 00:10:14:18
Nate Carver
What on typically what are you seeing? Let's say they follow through and do what you're asking them to do. In getting their credit scores up, how quickly are we seeing, credit improvement? And are there some averages in, in, you know. Yeah, let's start with that one. Then I'll ask you the averages.

00:10:14:20 - 00:10:44:10
Chelsea Price
Sure, sure. So, any work that is required of the credit bureaus, legally they have 45 days to do any work required of them. Okay. So for the most part, you don't really see changes on your credit from 30 to 45 days. They do typically take that full amount of time, though, which is why we say that, the minimum time frame that we ever set over here, if somebody chooses to move forward with us, is three months.

00:10:44:12 - 00:11:05:23
Chelsea Price
And that's because of those 45 days, three months? Yeah, we're in five days. That's the sweet spot, right? But we also check the progress monthly. So if it does happen sooner, you know, fantastic. Again, it goes down to the fact that our goal is to get folks back to the lenders as soon as possible. If that happens before the time frame that we anticipated.

00:11:06:00 - 00:11:29:07
Chelsea Price
I mean, that's a slam dunk for us. That lender is going to continue referring their clients for sure. So we're definitely not trying to drag it out. The longest time frame we typically set, is 6 to 7 months, and that's for individuals in like the low five hundreds or maybe even in the four hundreds. Now that being said, there's no locked in time frame, though.

00:11:29:07 - 00:11:47:09
Chelsea Price
We work until credit's where it needs to be in. The client tells us to stop because we're cancel any time. Or, I mean, if we remove all the bad items and there's nothing left to go after, well, then we reach out to congratulate that client and gently kick them off, because we're done. We have nothing left to do.

00:11:47:11 - 00:12:13:05
Chelsea Price
Right? The bureaus update every 30 to 45 days. So, you know, if somebody were to be working on their their credit themselves or monitoring it themselves, they're not going to see any change from like, let's say, paying down a credit card until probably the next billing, cycle. Right. You know, and then we also will get people like tips and, and tricks about things with time to like, for instance, credit cards.

00:12:13:07 - 00:12:30:13
Chelsea Price
They only report back to the bureaus once a month on their state date. That's it. So you will have folks that will use a card immediately pay it off thinking that's going to be the best thing to do. But unfortunately, yeah, even date nothing reflects. So it's not helping them.

00:12:30:15 - 00:12:55:14
Nate Carver
That's right. Always am always having a catch up on that. And I'm like, look at your statement. You'll have a few dates once the due date for the bill. And then there's the other date. That's the report date. And there's not one credit lender out there that will change that for you at all. So you're on their timeline and, the, the I'll pull credit and they'll see.

00:12:55:14 - 00:13:14:17
Nate Carver
I'll tell them a balance that all I paid that down and I don't doubt they did. I'm sure they did. And I said, well, that's a prime example. You've paid them. They're on a different timeline to report that to the credit bureaus. And then the credit bureaus are on their timeline to, to make that, that change as well.

00:13:14:17 - 00:13:42:07
Nate Carver
So, yeah. So that's always a learning point. Tell me in, I guess some, some real world strategies. If someone listening today is looking to buy a home, are there some things that they can do now that would help them? When the lender myself goes and pulls their credit, whether it's a soft pull or a hard pull.

00:13:42:09 - 00:13:58:18
Nate Carver
Yeah. That would the things that they could do now, of course, they've got to have a that 45 plus days, that they could plan on that they did that. Pull the trigger. Now what kind of things could they do that would help boost their scores on the front end?

00:13:58:20 - 00:14:30:07
Chelsea Price
Yeah. Well, I would say the very first thing would just be, having an understanding that what they are seeing online is not going to match what that lender poofs. That's right. That is one of the biggest questions I get on a daily because, you know, as a, an individual thinking about calling up, walking into a mortgage company, for the most part, you're going to try and do your due diligence, check your credit first.

00:14:30:07 - 00:14:58:18
Chelsea Price
Right. I, I don't think I've met a single person who didn't at least check their credit before ringing up a lender. And then I end up having a conversation with them where they go. I don't understand why were my scores so drastically different when they pulled, right? Well, that's that's one of the biggest things, is knowing that when you are looking online, I would check your credit first, but be aware of, where to look.

00:14:58:20 - 00:15:27:19
Chelsea Price
Online pools are always going to be your highest range of scores. Mortgage pools are always going to be your lowest range of scores because it's the hardest to qualify for. The most accurate sites will tend to have credit scores about 20 points higher than a mortgage score. But there's there's outliers here and there. I would suggest that folks stay away from the really well known free sites, because they pretty much make up those numbers.

00:15:27:19 - 00:15:49:07
Chelsea Price
So I'd never I never trust what you see on there. I would look through, verifiable sites. The one that we recommend people use is actually experian.com. You can get all three reports and on average is about 20 points higher. So that would be number one. The second thing I would do is when you're looking at that report, take a look at your credit cards.

00:15:49:09 - 00:16:15:02
Chelsea Price
See where the, the, balance to limit is on there. If it's above 30%, it's damaging you. Any anytime a credit card goes, about 30% starts damaging the score. The closer you can get to $1 on that statement date, the more points you're going to get back. So pay those down so that they reflect on the statement date like we were talking about.

00:16:15:04 - 00:16:40:16
Chelsea Price
That's going to be one thing. And then the second thing I would say is see if there's anything bad on your credit late payments, collections, medical bills, you know, anything anything damaging. And if there is anything damaging, you might want to have somebody look to get that removed. Now, it's very, very difficult to remove a bad item on your own.

00:16:40:18 - 00:17:02:06
Chelsea Price
Like I said, you can dispute things, but you don't want to do that. You can you can call the creditor, but if it hasn't updated it, it could cause it to update. So that's not always the best course of action either. This is why we kind of exist the way that we do. It it's real hard to get an item removed yourself.

00:17:02:07 - 00:17:28:05
Chelsea Price
And one thing to realize, too, is that it's entirely voluntary to post a credit, for an item to be on your credit, that means that that company had to pay to put it on their. For them to take it off, they'd have to pay to have it removed. They don't want to do that. So my recommendation is if there's anything bad on your credit, you may want to consider credit repair.

00:17:28:05 - 00:17:41:23
Chelsea Price
Honestly, because one bad account can hold back anywhere from 30 to 80 points. This is could I mean that could easily be the difference from one, one bracket for interest rate to another.

00:17:42:00 - 00:18:04:12
Nate Carver
Yeah. Do you track, as someone's improved their scores, are you are you able to show them, like, either short term or long term, what that means to them in a dollar savings? That's more I know I can do that once I have the numbers, I can.

00:18:04:14 - 00:18:05:10
Chelsea Price
Yeah. Yeah.

00:18:05:10 - 00:18:06:13
Nate Carver
I'm going to put you on the spot.

00:18:06:17 - 00:18:32:11
Chelsea Price
No, no, no. You're okay. No. It it depends on a bunch of different things. But you're right that definitely more of a loan question. You know, we don't look at that piece of it. We look at the credit side of things. But I will say, your obviously your mortgage rates, your, your payments per month, interest rates, insurance premiums, deductibles, like literally everything looks at your credit.

00:18:32:11 - 00:18:46:16
Chelsea Price
So it's right. Get your scores higher beyond a home loan, you will save thousands of dollars. I mean, if your water heater goes out, if you have a better credit score, you might be able to replace your water heater with 0% down. So like.

00:18:46:20 - 00:18:47:12
Nate Carver
Right.

00:18:47:14 - 00:18:51:16
Chelsea Price
We're talking lots of avenues for savings.

00:18:51:20 - 00:19:13:01
Nate Carver
Yeah. So a key life hack for for a homeowner first time home buyers. If you if you go through a credit repair and you get your scores up. Yeah it's going to save you tens of thousands of dollars on the lifetime of your loan. It's going to save you thousands and thousands of dollars on your actual closing cost.

00:19:13:03 - 00:19:37:01
Nate Carver
And it's going to save you $100 a month in your monthly payment, because you're not you got a lower you'll you qualify for lower interest. But beyond housing, once you get your scores up, go back to your insurance company, your car insurance, your homeowner's insurance, and tell them, look, you know my scores are here. Let's re score was shop mom shop in my loan because you're going to get a better rate.

00:19:37:03 - 00:19:56:05
Nate Carver
Your premiums are going to come down. And so there's your homeowner's insurance, your car, your auto insurance, your health insurance. Those all will come down. And then you can go another step and go shop your credit cards and say, look, my scores are up here. When you first gave me my credit, my score was down here. Now I've got a higher score.

00:19:56:05 - 00:19:58:19
Nate Carver
I want my I want a better interest rate.

00:19:59:12 - 00:20:24:20
Nate Carver
You're saving money across your whole life experience. Once we get those scores that there's there's a free life hack and, that I've seen personally. I've experienced that personally. And I've helped many, many, many home buyers get their tips or they're able to do that and suddenly, you know, you no longer having to spend three, 4 or $500 a month on interest to somebody else.

00:20:24:22 - 00:20:51:22
Nate Carver
Spend it on your wife and kids, your husband. So good for you. That's my take on it. Let's see what else. Let's see. We talked about, some some tips. Key tips. Let's see. Rapid rescore. That's something we do as a lender. If we get something, if we correct, a mortgage, maybe there was a missed payment or or we can get a, a credit card pay down.

00:20:51:22 - 00:21:11:05
Nate Carver
We can come in and rescore the loan. You know, if you're at, you got a maxed out credit card and you get it down below 30%, this is easily 50 to 80 to 100 points. Improvement can be, do you all do the risk scores too, or is that something.

00:21:11:07 - 00:21:35:17
Chelsea Price
Yeah. That's a that's definitely a loan tool. Credit repair that typically have that. But I will say, getting the negative items removed. I goes past that risk score. You know, for instance, if you have a borrower that has a collection on there, unfortunately, if they pay down that pay down or off that collection, a risk score is not going to help you.

00:21:35:17 - 00:22:10:14
Chelsea Price
Right. But if we can, get that item removed, it will. In my experience with restores, those typically be are helpful when it comes to, balances changing usually on open accounts or like medical bills if you if you need to show, that the balance has updated on that since the last time you pulled it, but realize once again, you know, if you have like a, a collection or a bad account in any way, really, and you pay it off, that's not going to help your score.

00:22:10:16 - 00:22:35:02
Chelsea Price
One thing I think a lot of folks are surprised to learn is that the the algorithm that's used to calculate credit scores is actually blind to account balances. Now it can see bounce to limit ratio was which is what you're talking about. Right. You can see if somebody credit card that's at 75% usage. Right. But it can't actually tell that they owe $1,000.

00:22:35:04 - 00:23:02:18
Chelsea Price
So if you think about, you know, loans, collections, medical bills, anything besides they open active credit card, nothing else has a limit. So the balance sheet is or they pay it off. It can't see that. The algorithm can't see that. So it's not going to help their score at all. However, once again, if we can remove that item, well one bad account holds back 30 to 80 points and something else to be aware of.

00:23:02:18 - 00:23:34:05
Chelsea Price
Just just for folks when when they are taking a look at their credit is the less negative accounts they have, the more points they hold back, the more negative accounts they have. Each one holds back a little bit less because they all add up. So, you know, that's something to look at too. Now, regardless, though, you know, if you remove even just a handful of bad items, scores will go up because those items are basically holding points hostage.

00:23:34:07 - 00:23:52:22
Nate Carver
Right? What is there any statistics on errors on a credit report? Like sometimes there's just mistakes. People make mistakes. And it's not necessarily me, the the creditor. It's the credit is something that the lender did or the cradling or not. The loan officer.

00:23:52:24 - 00:24:15:05
Chelsea Price
Yeah, no. Yeah. I don't have any statistics off the top of my head. I will tell you, there is a little bit of a difference with the way that we're going after certain negative items, because you're correct, technically, you're you're not supposed to be able to remove an item from an account or from credit. I should say, unless there's an error, that's that's what we're doing, right?

00:24:15:06 - 00:24:44:12
Chelsea Price
Correcting errors. However, to a certain extent, we're not necessarily going after the validity of these accounts, but instead is forcing work to take place between the credit bureaus and these accounts, posting these bad items, basically forcing them to do work they don't want to do, spend money. They don't want to spend, until we get enough deletion scores are where they need to be.

00:24:44:12 - 00:25:07:10
Chelsea Price
And again, this is one of the differences between, you know, what we do and what what I see a lot of other places do, you know, instead of sending disputes, we're drafting up these investigations, sending them to the bureaus. The bureaus receive those the way they're written. They force them by federal law to reach out to the companies posting those items.

00:25:07:12 - 00:25:08:04
Nate Carver
Okay?

00:25:08:06 - 00:25:36:16
Chelsea Price
Those companies are then required to dig through their records to find specific information about the borrower, about the account information we are asking for through those investigations. So they have to find the correct information. They have to send it back to all three bureaus within 45 days. And they also have to pay each bureau to update that information in order to keep that item on the credit.

00:25:36:18 - 00:26:02:06
Chelsea Price
Yeah, if they fail to complete a single one of those steps, well then by law that negative account or status has to be physically deleted. Now to the point of errors. This is where we kind of act almost like the watchdogs. You know, I mentioned earlier that the bureaus they're, they're paid private for profit companies. They get to report things they don't fact check.

00:26:02:06 - 00:26:25:12
Chelsea Price
They don't they don't double check these things. They just say, hey, we want you to post this. Here's the money. And they do that. Well, if something does get posted in error and we're sending those investigations, that company will not be able to send back that correct information. And that's where we're able to remove those errors. If that makes.

00:26:25:14 - 00:26:50:24
Nate Carver
So as a homeowner looking to buy a home, get a team put together. It's your team. These consist of a great real estate agent, a great mortgage lender. And if we've got to do some credit repair, a great team, like Mortgage Ready LLC to, be on your side in your advocates and getting your credit credit scores up.

00:26:51:01 - 00:27:08:13
Nate Carver
I love it. What is let's see, what is a how can a realtor and a lender best support you and that person looking to buy a home? How how can how can that relationship? Jill.

00:27:08:15 - 00:27:36:24
Chelsea Price
Yeah. Well, we have a team of of credit analysts over here. Each one of the mortgage professionals that we work with, is paired, directly with one of those credit analysts as your go to, for all things credit related. Okay. So, for instance, I think you're working with Jenna right now. So basically, if a lender or a realtor says, hey, listen, I have clients that want to buy homes, they they can't because of their credit.

00:27:37:01 - 00:28:13:22
Chelsea Price
Basically, I'm one of the directors of operations over here. So I would connect them with one of our credit analysts that would then be their their person going forward. We have what we call a referral source portal. That's just an extension to make things even easier. But they can submit those clients information over that same day, their credit analyst reaches out to have a free consultation with that client, letting them know you know how it works answering questions, talking about their specific situation to make sure that it does fit, and then getting them going if they so choose to.

00:28:13:23 - 00:28:30:11
Chelsea Price
So it's really just about that initial contact, honestly. I mean, basically if if there's a realtor or a lender listening to this, I'd say, give us a call and we'll connect you with somebody to be your go to to help you close more loans.

00:28:30:13 - 00:28:58:19
Nate Carver
A look, if you're looking to buy a home and that credit report comes back and, there's some work to be done. Reached out to me. I'll introduce you to my team over it at Mortgage Ready. Introduce you to Jenna and Chelsea, and we'll get you. We'll get you mortgage ready. How long are you seeing? Is there a timeline that you're usually seeing for somebody that doesn't qualify to purchase a home?

00:28:58:21 - 00:29:16:04
Nate Carver
And if they follow what we say to do and we, you know, we get on a timeline or. What are you saying? They're they're, when they, you know, hey, congratulations. You're now you're qualified. We got your scores up to where we need maybe the minimum, but to to qualify to purchase a home.

00:29:16:06 - 00:29:29:17
Chelsea Price
Yeah, well, I would say, again, there's no locked in time frames, but. Right, for the most part, we're getting folks back to lenders from three months to six months for that. Yeah.

00:29:29:19 - 00:29:31:01
Nate Carver
That's fantastic.

00:29:31:03 - 00:29:47:17
Chelsea Price
Yeah, it depends on where they're at. But you know, you kind of you kind of put it perfectly with you know, if they do everything that you say, I would say when, when folks take the advice that we give them, follow the plans that we create for them because we, we do that too, you know, we don't just say, sit back and hope for the best.

00:29:47:17 - 00:30:09:14
Chelsea Price
We can create a plan tailored to their credit that lets them know what their blueprint is, to get there as soon as possible, and when they follow that to the best of their ability. While we're doing the work on our end, we have, where they need to be by the date we predict, if not sooner 95% of the time.

00:30:09:16 - 00:30:27:05
Nate Carver
Wow. So, folks, homeownership is within your grasp. Chelsea, what is the best way, for someone to, reach you or Jenna in, to to to get on the get on the books with you, so to speak.

00:30:27:05 - 00:30:49:03
Chelsea Price
Yeah. Well, I would say if any clients, or any individuals thinking about, trying to move forward with a home loan, knowing that there's issues with your credit. Honestly, I'd say, to reach out to you first, Nate, so that they can you can then connect them to us. Right. Because here's the deal to most of these folks are coming to us from mortgage professionals.

00:30:49:06 - 00:31:14:05
Chelsea Price
The reason why we like to work that way is because we can then return them when they're ready, you know? Yeah. Strapped so y'all can move forward with ease. It's okay. Just want some extra information. Our number is (970) 692-4216. We are in Colorado, so there's a, time difference there. I think we're about maybe two hours behind y'all.

00:31:14:09 - 00:31:17:17
Chelsea Price
Where are you at again? Are you, eastern standard?

00:31:17:19 - 00:31:18:21
Nate Carver
Yeah. Eastern.

00:31:18:23 - 00:31:19:18
Chelsea Price
Yeah. So we're.

00:31:19:19 - 00:31:20:22
Nate Carver
Oh, no. I'm central. Sorry.

00:31:21:02 - 00:31:22:00
Chelsea Price
Oh, okay. There we go.

00:31:22:00 - 00:31:23:19
Nate Carver
We're all over the place.

00:31:23:21 - 00:31:46:09
Chelsea Price
Yeah, we're here from 8 p.m. to 4 p.m., Mountain Standard Time. Feel free to give us a call. You can email me. My email is, Chelsea, Alaska, at Mortgage Elle.com. Jenna is also a great person to reach out to. Same ending. It's just Jenna Jenna at Mortgage Ready llc.com.

00:31:46:11 - 00:31:55:02
Nate Carver
Okay. And I'll put links down below. Great ratings, of your company. I'll Google a fantastic ratings

00:31:55:04 - 00:31:56:17
Chelsea Price
Or referral based on them to you.

00:31:56:21 - 00:32:13:20
Nate Carver
Yeah. Or a referral. Yeah. I mean that's fantastic. Okay. Last question. We are almost out of time for people that are watching. There is some unique, beautiful artwork behind you. Tell me a little bit where that is. What that where that. How do you come about those.

00:32:13:22 - 00:32:23:03
Chelsea Price
Things, those are mine. Actually. I do a little bit of art on on the side. I'm. I'm a creative person, so nice.

00:32:23:05 - 00:32:30:08
Nate Carver
Well, there, I know this and all. Oh, those are cool. Cool. So that's my the extent of my art critique.

00:32:30:10 - 00:32:32:07
Chelsea Price
Oh, well, I appreciate it.

00:32:32:09 - 00:32:43:03
Nate Carver
But I like them, so. All right. Well, fantastic call Jenna. Jenna. That's right. Chelsea. And, I got Jim on my brain because I know.

00:32:43:03 - 00:32:44:20
Chelsea Price
I've said her name so many times.

00:32:44:20 - 00:32:46:04
Nate Carver
I know. Right?

00:32:46:06 - 00:32:57:17
Chelsea Price
Reminding. You know, our our team of credit analysts is amazing over here. Every one of them. And they truly care about helping people. So you want it. You want it fail no matter who you're working with.

00:32:57:19 - 00:33:19:04
Nate Carver
Yeah. You know, I've sent her a number of people already that we're working to get them ready. And it's an exciting journey and that those people I stay in contact with monthly just to cheer them on and keep them focused on, the end goal. And, you know, however long the journey is to your goal of owning a house, it's your journey.

00:33:19:04 - 00:33:30:19
Nate Carver
It's not to be compared to anybody else's journey. And and I'm happy, happy, happy to help people get there. It is, my purpose why I'm here today. So thank you, Chelsea. Fantastic talking to.

00:33:30:19 - 00:33:33:24
Chelsea Price
You. Yeah, you as well. Thank you.

00:33:41:23 - 00:33:50:00
Unknown