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- [00:01]
Narrator/Announcer
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Clayton Eckerd
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- [00:58]
Host/Commentator
that's odoo.com Ryan Reynolds here from Mint Mobile. I don't know if you knew this, but anyone can get the same premium wireless for 15amonth plan that I've been enjoying. It's not just for celebrities. So do like I did and have
- [01:12]
Interviewer/Co-host
one of your assistant's assistants switch you
- [01:14]
Host/Commentator
to Mint Mobile today. I'm told it's super easy to do@mintmobile.com
- [01:18]
Narrator/Announcer
Switch upfront payment of $45 for three month plan equivalent to $15 per month required intro rate first three months only, then full price plan options available, taxes and fees, extra fee, full terms at Mint Mo thy ticket lady Jennifer of Coolidge well, many thanks good sir. Here is my Discover card. They accept Discover at Renaissance Fairs? Yeah they do here. Discover is accepted at the places I love to shop. Geth with the times.
- [01:48]
Host/Commentator
With the times.
- [01:50]
Narrator/Announcer
You're playing the loot. Yeah, and it sounds pretty good right?
- [01:54]
Host/Commentator
Discover is accepted at 99% of places
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Sean Duffy
that take credit cards nationwide.
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Host/Commentator
Based on the February 2025 Nielsen
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Sean Duffy
My
- [02:03]
Clayton Eckerd
Perfect day has sand, salt, water and friends, but my moderate to severe plaque psoriasis can take me out of the moment. Now I'm all in with clearer skin thanks to Skyrizi Risankizumab RZA a prescription only 150mg injection for adults who are candidates for systemic or phototherapy with Skyrizi. Most people saw 90% clearer skin and many were even 100% plaque free at four months. Skyrizi is just four doses a year. After two starter doses.
- [02:30]
Narrator/Announcer
Don't use if allergic to Skyrizi. Serious allergic reactions, increased infections or lower ability to fight them may occur before treatment. Get checked for infections and tuberculosis. Tell your doctor about any flu like symptoms or vaccines.
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Clayton Eckerd
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Host/Commentator
Nothing is everything.
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Clayton Eckerd
Ask your doctor about Skyrizi, the number one dermatologist prescribed biologic in psoriasis. Visit skyrizi.com or call 1-866-Skyrizi to learn more.
- [03:02]
Interviewer/Co-host
Now you're the spokesperson.
- [03:04]
Guest/Participant
So let's start at the beginning with naca. So I had first been introduced to NACA when my sister was actually going through the program with her late husband at the time. And there was like a seminar that they had to go through and I was learning, I had never heard about the program before, that they didn't actually go all the way through with the program, which I find a lot of people don't. The retention is so a lot of people have criticized NACA because they like. It's a lot that you got to go through. It's very strenuous. So what's the first step in the NACA process?
- [03:38]
Host/Commentator
Like you said, going to that meeting, it's about three or four hours.
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Guest/Participant
And that's all over the country, right?
- [03:42]
Host/Commentator
Yeah, they pretty much break down everything. All of the benefits of the program, the things that you have to do, the rules for the program, things you can't do to the program. And yeah, from there, you know, you sign up and let them know what date you want to meet with a mortgage counselor. It could be up to two years out, it could be up to two weeks out. But you put whatever date when you're comfortable. I tell people all the time, don't go until you're ready. You know what I'm saying? Don't go until you're like all the way ready. Don't go just trying to see what they gonna say and all that. Like, you know what I'm saying? I just want to go test the program. Like, no, go when you're ready. When you know you have your documentation in order, you got your two years work history in order, you got your two years tag history and audio bank statements order. Like these are things that all lenders require, not just naca. So it's like you shouldn't be going to a lender any unless you have this stuff in order anyway. But NACA is just extra strict about their documentation because essentially you're going to these people asking them for hundreds of thousands of dollars for absolutely nothing. Your credit ain't shit. You ain't really shit. Like, you know what I'm saying? Like most of the time, like for real, for real time, like, but these people are still willing to give you a chance. Most lenders, when you go to them in that situation, what they doing, they're closing the door in your face and giving you a decline letter. Naca, they're going to give you a checklist of things to do and tell you to come back. When you have those things done, your ID with them is still going to be intact, your file with them still going to be intact. You still going to be able to update documents and send stuff in, but they're just not going to qualify you for a loan until you get things marked off that checklist.
- [05:10]
Interviewer/Co-host
So it's a pretty strenuous checklist.
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Host/Commentator
So it's not. It's standard.
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Interviewer/Co-host
Well, that's what I'm saying. Like, people, most people with the common misconception is like, yo, I've seen people say, yo, I tried twice, and I just can't get through it. What is it? Is it the fact that they don't have that profile that you just spoke about intact? Or like, what. What is the thing that is blocking people from continuing?
- [05:29]
Host/Commentator
For me, a lot of times it was my own fault. I was getting in my own way, like, so just my mentality, you know what I mean? So I'm, you know, pointing the finger at them. Like, a lot of times they'll be like, man, send us this document or can you resend this? And I would get mad or frustrated and want to go back and forth instead of just sending the document, like, you know what I mean? So what if you got to send it twice? Like, it just stuff. Get lost stuff get caught up in, you know what I'm saying? And things like that. And then, too, a lot of times people get really frustrated because what they don't understand is NACA is extremely understaffed. They're not for profit. They're understaffed and they're overworked. And then you got a person like me out here screaming from the mountaintops on a. On EYL where there's millions of people following, Hey, y'. All. Y' all can go get y' all multi unit with the NACA program. So now there's this rush of people going to the NACA program. And now they're even more overworked and more overwhelmed. So it's like, there has to be be a level of patience and understanding when you're taking advantage of a program like this and just really getting like, all right, cool. I know if I exercise patience at the end of all of this, there won't be anything better out there for me. So I made a, a real the other day that said, I compare NACA to Tom Brady and Jordan. They're not the biggest, they're not the strongest, they're not the fastest, but they the best. And the clutch when it comes to the closing table, when you look at those numbers, they're going to deliver every single time in a championship. Like you won't find anybody better, you won't find just, you won't find better numbers ever. And it's the same thing like I say with Brady and Jordan. No, they not the most anything but they just the best and they delivering
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Guest/Participant
the clutch when it's time to so the steps. All right, so you got to go to the seminar. Yep. That's like an all day thing.
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Host/Commentator
Three, four hours.
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Guest/Participant
Yeah. What do they teach you on the seminar?
- [07:09]
Host/Commentator
They don't teach you anything, they just tell you about the program, you know, like the benefits of the program, like I say the rules and different things like that. NACA doesn't teach you real estate. So like if you don't know real estate, you probably should go learn real estate and then go through the program. Because I tell people this all the time. No matter what program you're going through, if you're going to buy property, have some knowledge because if you don't, you're at that point leaving your agent, your attorney, whoever to kind of like hijack your deal and lead you wherever it is you want to go as opposed to you quarterbacking your own deal. So have some knowledge and some information on this stuff. So when you go in, you can kind of tell your agent, hey look, I'm looking for a multi unit property undervalued that has people living in it already cash flowing. You can tell the lender, hey look, I'm qualifying. I'm going to apply for a multi unit property. So don't just qualify me based on my income, I'll let you know how much the income the building is generating, you know what I'm saying? Like you work with these people and tell them what it is that you're looking for so they can put the play together for you, you know what I'm saying? But if you don't know anything and you're just depending on these people to do the work for you, you're not going to get anything done because that's not their job.
- [08:11]
Interviewer/Co-host
So that's one of the things, right? So you have to have do your due diligence before you go in anything and, and you have to have Your profile ready before you go?
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Guest/Participant
Well, I want to just ask what the profile.
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Interviewer/Co-host
So.
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Host/Commentator
Yeah.
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Guest/Participant
All right, so you. You go through the seminar, two hours, then you meet with a counselor, and that's like an hour.
- [08:28]
Host/Commentator
And that's not the counselor meeting. Depends on, you know, how much of your stuff you got together or not. So when you meet with your counselor, that's on the thorough, you know, I mean, due diligence. Start with them. Background check, you know, bank statement check. Man, give us your two years. Tech history. Give us your two years, you know, I mean, work history, you know, just like, give us your, like, history of, like, you know, where you've lived for the past 10 years. Like, things like that that they ask you. And some people can get frustrated with it because a lot of times we tend to have the mindset of, man, I don't want nobody in my business. But it's like, bro, like I said, you're going to borrow hundreds of thousands of dollars from these people. Like, it's the bank. You need to have a relationship with the bank. NACA is funded by bank of America. So it's no different than going to bank of America, Citibank, whoever, to go and get a loan. There are going to be certain things that are required. And if you doing anything fraud or scammy or anything like that, of course you don't want nobody in your business. But if you legit, man, get these people what they asking for, because they're essentially about to change your life.
- [09:22]
Interviewer/Co-host
Now, that person that you meet, let's say you've done those first two steps and now you sit with that person. Does that person stay with you through the process or you pass on to another person?
- [09:29]
Host/Commentator
Your mortgage counselor is with you throughout the whole process. That's who you work with. And if there's a time where, you know, you and your mortgage counselor not getting along, they may not be responsive enough. You can request a change of mortgage counselor. Like, you have all of those different options to pretty much, like I say, quarterback your own deal, which is what I did. And like I told y', all, it's not the easiest process because there are going to be times where they may not get back to you. They may not call back. Like, bro, I was pulling up to the office, like, you know what I'm saying? Like, what's up? Like, I sent y' all my documents. I did everything that I'm supposed to do. Like, now what's the next steps? And, you know, they would go review the f. Like, you know what Mr. Haynes, you right, I'm sorry, let me go in and you know, I mean, push you through or whatever the case may be. But if you're not proactive in your own situation, nobody's going to do it for you. And I think most times people are used to, or I don't know what they used to because you can't be used to anything if you've never bought a property. So you don't even know the mortgage process. So for you to complain about somebody not reaching out to you or following up with you, that's not necessarily your job. It's your job to follow up. It's your job to send in documentation. It's your job to go to the office, like with anything. That's what I learned. Like, man, I have to be the person that's kind of like, you know, controlling the quarterback of my own situation. Otherwise, people, it's not important to other people.
- [10:38]
Guest/Participant
And also it's like, like you said, you don't even know if you haven't been through the process. And even on a higher level. So we, we're building the homes and you know, these are million dollar houses and we had to go through a bunch of red tape and send stuff and then the stuff they asked for, the stuff that we just sent.
- [10:58]
Host/Commentator
Yeah.
- [10:59]
Guest/Participant
And it's like, it's a headache and it's a hassle and it's like, you know, it's not the most efficient. Buying a home is not the most efficient process, period.
- [11:06]
Host/Commentator
I love that you just said that because people don't. People think it's just naca. Everybody gonn double sin documents. And it's not. This is the mortgage process. This is the home buying process. And y' all don't, y' all ain't never bought, so you don't know. So you just complaining about what you think you should be getting. Just entitlement. Be beating y' all ass whole time. Let's just call it what it is.
- [11:25]
Interviewer/Co-host
That's what we saying is 1,000. Right. That's the first part. Even getting the home. But now we, like you said, we building. So now we're dealing with permits.
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Host/Commentator
Yeah.
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Interviewer/Co-host
And that's a whole nother process.
- [11:33]
Host/Commentator
And now you got to go through inspections. Inspector might not approve certain stuff. It's like, man, all this time in a patience thing. And again, note, even in sports, when you're dealing with hundreds of thousands, millions of dollars, these things take time. These things take time. And most times when you hear, like I say, about somebody getting offered like a big contract. You hear about them turning the contract down or just not working out or the deal going bad. Like, this is business. This is just how business works. Like I said, there are times when you can do everything right and stuff just still won't go your way. Like it just. And then what do you do? Like, you have to get back on the grind. You got to get back to it. You can't let it discourage you. And a lot of times people get emotional about these things. That's why you hear so much slander, because like now you mad, oh, Naka did this to you. Knocker did that. No, you just quit. Like, you know, so you quit the process essentially because if you would have stayed down, you would have came up. Because that's what I did. Like, like, and that's what my ex did. That's what my, you know, I mean, friends did. Like, that's what, like I've helped so many people through this program who listen, but it's this, it's a mindset thing, you know what I'm saying? And most people don't have a mindset in order. Like I say, it's entitlement. You feel like you owe something. It's like, nah man, you got to go earn everything that you need that you got out here from property to, to business customers. Like you have to go and earn these things. You have to go and show, improve. You have to like do what you need to do in order to make things happen. And most people operate in a space of instant gratification. And I think the Internet has a lot to do with that because you see people doing so well and you see people accomplishing things and you see more of the celebratory moments online. You don't see the hard behind the scenes grind that it took. You don't see the offers that I put in and you know what I mean, got turned down or got beat out by cash offers. You didn't see the time where I almost lost $10,000 in earnest money because you know what I mean? The, the, the, the contractors didn't do what they were supposed to do and give me the proper estimates. Just like it's a lot of things behind the scenes that people just don't know. And practicing patience and understanding how this process goes will make your life and just your process way easier when it comes to stuff and just a lot less stressful because it's like, it's not easy. It's a super stressful process of whether it's naca, fha, conventional, it's a process, man, and I don't think people understand
- [13:46]
Interviewer/Co-host
they gotta be ready for the long run.
- [13:54]
Sean Duffy
I'm U.S. transportation Secretary Sean Duffy. We all get distracted when we drive, whether it's from our phones or kids in the backseat bickering. But how we handle this? These distractions can be a matter of life or death. Before you get on the road for your next road trip, please put your phones on silent and take a mental note to focus on driving. Paid for by nhtsa.
- [14:24]
Narrator/Announcer
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- [14:54]
Host/Commentator
Friends like these the murder of Skyler Nees is now streaming on Hulu and Hulu on Disney911. Do you have an emergency?
- [15:01]
Clayton Eckerd
I have a 16 year old daughter.
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Host/Commentator
Can't get a hold of her.
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Clayton Eckerd
I am scared to death.
- [15:05]
Host/Commentator
We wanted to talk to Skyler's friends. They're not telling the full story. The truth is gruesomely horrific.
- [15:10]
Narrator/Announcer
How could you do this to your best friend?
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Clayton Eckerd
There's a darker secret that's not been said.
- [15:16]
Host/Commentator
Watch the new Hulu original series Friends like these the Murder of Skylar Nese on Hulu and Hulu on Disney for bundle subscribers.
- [15:23]
Sean Duffy
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- [15:55]
Clayton Eckerd
I'm Clayton Eckerd.
- [15:56]
Interviewer/Co-host
In 2022, I was the lead of ABC's the Bachelor.
- [16:00]
Narrator/Announcer
But here's the Bachelor. Fans hated him.
- [16:03]
Host/Commentator
If I could press a button and rewind it all, I would.
- [16:06]
Narrator/Announcer
That's when his life took a disturbing turn. A one night stand would end in a courtroom. The media is here.
- [16:14]
Host/Commentator
This case has gone viral. The Dating Contract Agree to date me,
- [16:18]
Clayton Eckerd
but I'm also suing you. This is unlike anything I've ever seen before.
- [16:22]
Narrator/Announcer
I'm Stephanie Young. Listen to Love trapped on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.
- [16:30]
Host/Commentator
This is an iHeart podcast. Guaranteed Human.