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There's a time in your life and at the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus, rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.

There's a time in your life and at the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus, rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.

There's a time in your life and at the baby steps for renting, but you don't want to do it forever because when you rent, you're still paying for a mortgage, just somebody else's. Plus, rent means instability in your budget because it always goes up, never down. So when you're ready to buy, make sure you work with a mortgage partner you can rely on. Churchill Mortgage.

Churchill is Ramsey Trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense.

Churchill is Ramsey Trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense.

Churchill is Ramsey Trusted to help you make the move from renting to home ownership wisely. Churchill understands that when you buy a home the Ramsey way, your mortgage payment will be a consistent, manageable part of your monthly budget. Plus, when your home is paid off, that was your largest expense.

Now it's extra money in your pocket and an asset towards turning you into a Baby Steps millionaire. So get started on the American dream of home ownership today at churchillmortgage.com. That's churchillmortgage.com.

Now it's extra money in your pocket and an asset towards turning you into a Baby Steps millionaire. So get started on the American dream of home ownership today at churchillmortgage.com. That's churchillmortgage.com.

Now it's extra money in your pocket and an asset towards turning you into a Baby Steps millionaire. So get started on the American dream of home ownership today at churchillmortgage.com. That's churchillmortgage.com.

All right, Dave, you have some strong opinions. Possibly, yeah. Yeah, I think so. Okay, because you really prefer credit unions over big banks. So why is that?

All right, Dave, you have some strong opinions. Possibly, yeah. Yeah, I think so. Okay, because you really prefer credit unions over big banks. So why is that?

All right, Dave, you have some strong opinions. Possibly, yeah. Yeah, I think so. Okay, because you really prefer credit unions over big banks. So why is that?

Yes. Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.

Yes. Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.

Yes. Well, and I think we have found one that is incredible, and that's Fairwinds. They are an incredible credit union that is really out with the heart to help the customer.

Yeah, absolutely. And you're right. Their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user-friendly. The step-by-step approach was unbelievable. And then the next day, my phone rings and it says Fairwinds on my phone.

Yeah, absolutely. And you're right. Their customer service is unbelievable. Winston and I just signed up and we got an account. And I'm not kidding. It took less than five minutes. It was so user-friendly. The step-by-step approach was unbelievable. And then the next day, my phone rings and it says Fairwinds on my phone.