What fees and rates are you referring to? I have a manually underwritten mortgage with Churchill with a 2.5% interest rate. Couldn’t be more happier with how easy it was to get set up. Just need a lot of W2’s!
I got a 2.75% interest rate on a 30 yr mtg. I did pay $13k in closing cost out of pocket and $30k as a down payment. I’m not sure if that helped me get a lower interest. I’m also debt free and make $75k and my wife makes $60k.
I agree with a lot of what Ramsey says but they can’t realistically try and tell people to attempt to purchase homes, go to med/law school without taking out debt. All of those things shouldn’t be reserved for people with parents to pay or support them.
@@brianscott98426 can you explain to me how you’d pay your way through med school without taking out debt or receiving $ from fam/friends? In a way that’s practical for all med students because all students can’t rely on grants and scholarships to cover the cost as I’m sure you know
I paid off my house and cars without dual income by age 39... 41 now still single looking to buy a second house 🏠 but 100k down-payment isn't enough with current prices 😒 Dinks are lucky!!
So she blamed the debt reduction credit program for killing her credit score? If she wasn’t already in a credit score problem she wouldn’t have joined the program. The women these days never take any accountability for their own actions. That guy she’s with should run. She doesn’t only have a financial issue she has personal issues.
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George is great. Nice to see his role expanded, sharp guy.
Definitely agree! Glad he is apart of the Ramsey show.
I like him too
Agreed, what was he before though? I had never seen him until a few weeks ago
We need some fresh blood, I prefer watching the dynamics of the various team members .. they all great.
He is a great addition! Nice , smooth and articulate.
This is called debts to income ratio! If you pay off your debts the ratio is better and you have become a good risk because you pay your debts!
I wish they would tell you about the negatives of a manual underwriting.
Higher Fees
Higher Rate
They have an agenda
What fees and rates are you referring to? I have a manually underwritten mortgage with Churchill with a 2.5% interest rate. Couldn’t be more happier with how easy it was to get set up. Just need a lot of W2’s!
@@MikeAPRN I guess everyone should go with Churchill.
I got a 2.75% interest rate on a 30 yr mtg. I did pay $13k in closing cost out of pocket and $30k as a down payment. I’m not sure if that helped me get a lower interest. I’m also debt free and make $75k and my wife makes $60k.
@@MikeAPRN is this true
So people just call without knowing the show? How?
I have no idea. Someone probably just said “Call Dave Ramsey, he does debt stuff”.
George is the best listener on the Ramsey team.
I agree with a lot of what Ramsey says but they can’t realistically try and tell people to attempt to purchase homes, go to med/law school without taking out debt. All of those things shouldn’t be reserved for people with parents to pay or support them.
It is done literally every day my friend
@@brianscott98426 can you explain to me how you’d pay your way through med school without taking out debt or receiving $ from fam/friends? In a way that’s practical for all med students because all students can’t rely on grants and scholarships to cover the cost as I’m sure you know
@@Kris0700T No he can not.
Don't go to med school. I didn't.
@@sbman436 that’s probably because you don’t have the aptitude for it😂
Don’t marry anyone who is bad with money.
Lol good luck with that we live in America!!
@@LukeDune there are plenty of Americans who aren’t bad with their money.
@@patti9339 7/10 households live paycheck to paycheck
Don't marry anyone period.
If the other person isn’t willing to learn, don’t marry them. I think everyone can learn how to manage money if they want to.
Pay your bills on time.
The truth shocked her into oblivion 😂😂😂😂😂
It was hardly the truth
Maybe she realized this was just an insurance commercial.
When you get married there's a good chance you're gonna end up someone with tons of debt that you will have to clean up. Word to the wise.
And it took them only short period of time from raising my terrible score of 486 to 800,IM FROM FLORIDA AND MY SINCERE GRATITUDE GOES TO THEM ✊
I think the caller needs to figure out her numbers and watch some more Ramsey videos.
Calling the Ramsey show and doesn't know how much debt she has or her actual income. 😯
I miss Chris
Me too 😂
Me too, love his flag and whistle.
Me three
Thank you. You might be in need of similar help I can assure you they can handle it.
I paid off my house and cars without dual income by age 39... 41 now still single looking to buy a second house 🏠 but 100k down-payment isn't enough with current prices 😒 Dinks are lucky!!
My man George killing it like always!
@@thegreatcoward I'm a bit behind on my Ramsey Personalities, genuine question: Who is you?
@@thegreatcoward we hope to see more of you!
Does anyone know what happened to Anthony O’Neal? He’s not a listed Ramsey personality anymore.....
Oh no, you’re right! I just checked. I thought that maybe he was just on vacation or something. I hope that we don’t lose another good one. :/
He’s still on their website.
He's gone. Just does his own show
These two guys are awesome to listen to
No, they are salesmen
No tf they just repating daves words
@@brianmarquez22 Which is the same thing. Why do you think he hired them?
Lower your utilization to zero and pay your bills on time. Too easy
Casey the Spammer!
Yea, Casey the spammer! Right on time with useless information.
Lol these boomers are so mad that you're the only one posting facts.
Based the Spammer deleted his picture. 😂
@@nunyabidnes6010 Useless facts!
Her voice 😵 is she a rouge Kardashian.
LOL..Ken as usual nothing to contribute. He repeated what George said. He was only there to push the button. 🤣
But it is a BIG button!
What did she THINK would happen when debt is forgiven?
Credit score is a debt score. Fuk credit. Get rid of all your debt by any means necessary to include bankruptcy.
Can we get Dave Ramsey on with Graham Stephan?
Ramsey doesn't like Graham's approach to debt.
@@hirambright9357 its cause graham is smarter with money
@@brianmarquez22 If you call debt smart, well then you are correct.
@@alinatamashevich3354 yes debt is smart if you know how to use it, its a tool to success, problem is that we have too many morons with access to it
@@alinatamashevich3354 it is smart, I’ll catch you some slack cuz of your pic
She hung up because she realized you guys have no clue 🤣🤣
Ikr the ramsey show is repetitive at this point with a useless cast aside from dave, like who are these guys😂
Where’s Anthony ?
more like she didn't get the answer she wanted
What happened to the black people on the show?
They're still around...they just don't show up for calls about credit scores.
@@brianbutterworth6107lol😂. Because they donts got no guuud credit
Jade is still around. AO went his own way.
@@brianbutterworth6107 why because all their credit scores are in the toilet?
Is Dave retiring? Why all the fresh faces.....
I mean he isn’t getting younger
He’s not retiring. He’s been scaling back for some time.
George is definitely not new! He’s been there longer than Ken!
He's a 🦕 fresh blood is needed
Dave is only 60
My FICO score is 450! Who gives a hoot 🦉 ! I hope 🤞 one ☝️ I have a 800 FICO to buy a house 🏡. I am 💯 k in debt 💸
Did u fix this?
@@Justnebabttkalit’s sarcasm. Good credit is a being in debt score
I thought credit didn't matter but the apartment complex wont let me rent an apartment?
Ask if they’ll let you pay a larger deposit. And bring in other bills as proof that you pay your stuff on time.
This made me cringe. I’m pretty sure people are living in completely different realities at this point.
Ok
These are all just like program to say exactly what Dave says
Way to not answer her question
I bet she stopped paying rent.
for someone reason alot of people in the dating scene care about credit scores.
Attention boyfriend! RUN!
I love when deadbeats try to sound cool and confident.
Gosh what’s with the hostility
@@DudeMuscle More like, what is with the reality?
@@alinatamashevich3354 is that the kind of person you want to be?
@@DudeMuscle Join the Army, be all you can be!
So she blamed the debt reduction credit program for killing her credit score? If she wasn’t already in a credit score problem she wouldn’t have joined the program. The women these days never take any accountability for their own actions. That guy she’s with should run. She doesn’t only have a financial issue she has personal issues.
Who is this new guy?
90% of the audience has no clue the song ripped off Gerry Rafferty
You live on Baker Street?
Heather. Only Spongebob lives underwater. Cuz, he a sponge. Humans gotta breathe. Please pay the bills.
That extreme vocal fry destroyed her voice. Bound to happen. Let that be a lesson to all you kardashian wannabes.
Vocal fry. Please stop!
🇺🇸
rejoice
😁🖖✌👍👌😎
I will recommend Jerylink Credit Group for your reliable credit fix. He raised my score so fast and cleared all debts and inquiries.
And it took them only short period of time from raising my terrible score of 486 to 800,IM FROM FLORIDA AND MY SINCERE GRATITUDE GOES TO THEM ✊
Thank you. You might be in need of similar help I can assure you they can handle it.
And it took them only short period of time from raising my terrible score of 486 to 800,IM FROM FLORIDA AND MY SINCERE GRATITUDE GOES TO THEM ✊