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hi this is Richard Sherman its just after uh 10 oclock on Friday morning so its time for the real estate fix on your local Hometown station khts 98.1 FM and AM 1220. got a lot of good stuff for you guys today were gonna have a good show got some fun stuff to talk about first things first were going to have a little market update Im going to get into the bad Bank of the week Theres no shortage to people for the who seem to be vying for that position but yeah the bad Bank of the week were gonna talk about pH this week oh we have a special guest uh Sams online with a Samsung from the mortgage Hub a friend of the Show sponsored the show and the best lender I know were going to talk a little bit about it a bill about an update for what we did uh last week at the show we did last week talking about some special programs that are zeroed down so Sams going to help us out with some of that but first of course a disclaimer I am not an attorney and I do not give legal advice I hold a C