Hey y'all, speed my rancin' gems, speed my rancin' gems.

Y'all can do it with a shovel, piece through the kings and the queens where the mother lies.

Speed my rancin' gems, speed my rancin' gems.

Welcome back to another episode of Rancin' gems.

My name is Matt Garland, and I'm a last number 5-8700, better known as M.G.

The mortgage guy.

And my name is Kiana Watson.

Well, Craig, extraordinaire.

Lices number 317-576.

You know, I like the fact that you're really complying these days, you know?

I have to stay complying, you know.

It's very important, it's very important.

Because we do this in real life.

We definitely do this in real life, the number speak for itself.

So today we're going to have a good conversation about a topic that people don't talk about.

We're going to talk about closing costs, right?

Now most people always talk about down payments when you hear people advertising a marketing about homeownership.

But no one never talks about closing costs and settlement costs and how much money you need to bring the closing in.

What's involved in the closing costs?

So this episode is dedicated to that today.

Oh, I'm excited to talk about this episode because we have so much misinformation out here, right?

I hear so many people, oh, I'm going to get 100% financing.

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