I think my Smith is weird, man.

Have we got to do this today?

I feel like one day he's really good,

and the next day he makes absolutely no sense.

Thank you, Larry.

Here's an uncomfortable question for you.

How many times a day would you say that you pick up your phone

and scroll through Facebook for, at least say 10 minutes?

If you're being honest, it's probably not zero.

In fact, it's probably several.

And that's fine.

No judgment here.

I have terrible habits.

But you have the time to call American financing

if you have that time.

Let's say you're paying 4% or more on your mortgage,

which used to be a really good rate.

Well, you can get that even lower with American financing.

I'm talking to American financing right now

about refinancing my home, and we're sorting that out.

They're just great.

They know everything about the entire process.

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