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All right let's go to Omaha Nebraska and talk -- brandy.
Hi -- welcome of the Dave Ramsey show how are you tonight.
I -- I'm -- -- better than -- deserve what's up.
Have a question is okay we had been and how we're about current good old Ali -- -- and childish and I am I your -- -- -- -- know.
One of them look like an apple out early that at my former Knick little I could buy a house page and we -- -- an -- -- -- capital like you traded.
We can't really establishes -- how would you be you know.
Yeah I felt organization to where lower rates at my house we'll have to like do you credit card or impede or that -- if you understand something.
Well if you never use your credit card and you never take -- a car -- and you pay cash for everything.
You won't have a credit score.
So I don't know how I get a mortgage is that your -- -- -- well you can get a mortgage as long as you pay your landlord earlier on time for two years.
You have a little down payment and you've been solid on your job for two years.
But you'll have huge mortgage come at a company that actually knows how to underwrite loans.
And there are few of those out there in -- harder harder to place the -- -- taken over the mortgage business.
But the other possible alternative is to going to bed tomorrow money on -- -- crap.
And pay much interest you get yourself into -- and a normal American which are always stressed out people calling me all the time.
So that all the rationalizations that I can run off like -- score -- go get a mortgage.
Which is totally bogus and so on longer apply -- like the rules.
And the other option of course the third option in the toughest one of all would be to just -- -- from pay cash for house hold -- can't be done.
Well absolutely can be done people do it all the time.
And so you know I recommend that you look at doing that.
And now depends on what your income is -- -- house short of -- Howell.
Much of you know -- garage apartment you're willing to live until you get it done a couple of kids that makes it harder to do.
But as you come out of school I'd love to see largely pay cash for a house.
And then you could even go get a local -- Cologne.
And those kinds of things are a lot easier to do without the fight -- score they actually still with -- community banks and credit -- still do.
Some fairly good underwriting on loans were they actually look to make sure the -- is breathing that they're making -- -- to.
And actually earning an income -- come.
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