Sami Etienne: Hi, and welcome back to another episode of Talking since, I'm your host Sammy, and we also have Taylor and we have a special guest here today. she works here at Heritage, and her name is Jen Bier and I'll let her introduce herself.

Jen Boester: I'm Jen Bier, I'm the SBA relationship Manager here at Heritage Federal.

Taylor: To help our audience get to know you, we would like to play 20 questions under two minutes. How this works is we'll set a timer for two minutes, see if we can ask you 20 questions under two minutes. Don't think about your answer, just rapid fire your answer. Okay?

Sami Etienne: All right. So Shelby's gonna flip the timer and it first thing that comes to mind. Okay? Okay. Are you ready?

Jen Boester: I guess I'm as ready as I'm ever gonna be.

Sami Etienne: All right. And go. What's your go-to comfort show?

Jen Boester: Comfort

Sami Etienne: show. Schitt's Creek, probably. Oh, love it. Okay. Would you rather have unlimited knowledge or unlimited creativity?

Jen Boester: Unlimited knowledge. Okay.

Sami Etienne: Go-to coffee order.

Jen Boester: I like the flat white from Starbucks.

Sami Etienne: Okay. Batman or Superman? Definitely Batman. Okay. Morning routine. Must

Jen Boester: do coffee. And coffee. And coffee. Mm-hmm. Favorite store? Probably target

Sami Etienne: night out or night in.

Jen Boester: Night N

Sami Etienne: same. If you were a flavor of ice cream, what flavor would you be? Mint chocolate chip. What activity do you waste the most time on?

Jen Boester: Oh, probably scrolling. Social media.

Taylor: Don't

Sami Etienne: we all?

Taylor: Okay. Are you gonna miss the US penny?

Jen Boester: No.

Taylor: Would you rather live under the sea or in space? In space? Favorite holiday, Christmas. How often do you order pizza? Probably once a week.

Jen Boester: What's your favorite

Taylor: weekend activity?

Jen Boester: We watch cold's, football every Sunday and we go to church, we go to the grocery store. So I like our little routine on Sunday.

Taylor: Sure. Favorite movie? Villain?

Jen Boester: I don't watch a lot of movies in Can skip, what was your college

Taylor: mascot? screaming Eagle woo. Scream goals. Would you rather have someone narrate your life out loud or live background music your whole life? Background music my whole life.

Sami Etienne: Mm-hmm. Pretty cool. I wanna talk about would you rather live under the sea or in space? This triggered me. I have the biggest fear of space. I would never go.

Taylor: I have the biggest fear of under the sea, so no, I wanna be a mermaid. I definitely wanna live under the sea.

Sami Etienne: Yeah. Before I went to space. You would ride if they said free trip in a rocket to space, you would go, yes, I would go not me. I would,

Taylor: no. You'd be like Ka perry. Well, I'd probably be like,

Jen Boester: I'd probably be like, can I take my kids with me? So I'm going, yeah.

Taylor: So Jen, thanks for being here today. So SBA Loans stands for Small Business Administration. So in your own words, what does SBA mean?

Jen Boester: The Small Business Administration is a government agency that exists to, um. Allow services and resources and access to capital, to new and existing small business owners. And they do that through various programs that they have, but also, more relatable to us at the credit union. They also guarantee the loans that we can provide to the borrower for financing purposes.

Sami Etienne: so it's a government loan,

Jen Boester: it's a government guaranteed loan. Okay. So the loan is made at Heritage, but the SBA provides a guarantee of a certain percentage amount of the loan. And what that really means is if the loan were to go into default, the SBA would make. At Heritage or whoever. Mm-hmm. Right.

Um, whole, that percentage amount that was guaranteed to begin with.

Sami Etienne: So Heritage wouldn't be out any money if somebody didn't make their payments?

Jen Boester: Well, we would be out the part that's not guaranteed.

Sami Etienne: Okay. So whole thing's not guaranteed.

Taylor: It's not wholly guaranteed. Yeah. Okay. But it's like, the SBA takes on a bit of the risk. They take on a more so than we, a

Jen Boester: decent amount of the wrist depending on the product type, but The SBA program definitely helps banks and credit unions get comfortable with financing for clients that might not otherwise be able to be conventionally financed without a lot of heartburn.

Taylor: I was about to say, so these small businesses that are applying for loans, would they not qualify for. normal loan,

Jen Boester: some of them would not. Sometimes if businesses are very startup in nature, you know, they don't have a track record to go back and look at. and that's what credit underwriting teams really like to see. They like to see the past so that they can make, decisions for the future.

So if you're a new

Taylor: business, that's hard. So if you're a new business, that's

Jen Boester: very hard. And so the SBA kind of relieves some of the angst, with the financing institution. They can provide that guarantee. And then, the SBA doesn't just benefit the bank or the credit union. The SBA also benefits the borrower because. like we talked about, they also can get the financing that they might not otherwise get.

But also when loans are SBA guaranteed, sometimes they get a little more favorable terms and repayment, So, when you have a brand new customer, a brand new enterprise, the last thing you wanna do is slap them with a giant payment, you know, maybe over five years. Well, SBA says, well, we'll give you up to 10 years.

And so that reduces the monthly payment. Lets businesses kind of get on their feet a little bit more, helps that cash flow, especially at the initial starting point.

Sami Etienne: Would businesses still make their payments to Heritage if they had an SBA loan through us?

Jen Boester: That's correct. we own the note and, and it would be repaid just like

Taylor: a regular, They don't have like every month or whatever, like a, check to heritage and a check to SBA?

Jen Boester: No, that's a good question, but no, it's just one payment, two heritage. The SBA just backs the loan.

Taylor: So backs it as in like if it were to go into default, right. For that certain percentage. So they're not necessarily getting paid

Sami Etienne: back

Taylor: in the, okay, that makes sense. Are

Jen Boester: there different types of SBA loans that would fit different businesses? fitting the different business maybe is not so much of the concern with the different product types. Product type is a little bit driven by purpose, a little bit driven by risk appetite at the organizational level. the express option.

Those are kind of reserved for. smaller loan amounts, your client profiles that maybe look a little less risky because the SBA, guarantee is less on the express loan product type. And then the, we call it the full SBA seven A, and that's anywhere from 75 to 85% of the loan is guaranteed.

Now the caveat to that is it has to go through a lot more rigorous, due diligence and underwriting at the SBA level, right? So the express loan gets kind of managed here in-house, and the, seven A would have those extra steps and the extra underwriting team and, due diligence process.

And then the 5 0 4, which we don't do a lot of here, the SBA 5 0 4. Or we have not historically we can. those are where we partner with A CDC, and we would come up with a structure. For example, like we would take on 50% of the loan amount.

The CDC would take on 40%, and then the borrower would have to come with the remaining 10% in cash.

Sami Etienne: Okay. So as I'm sitting here and, you're saying all this, and I'm thinking of. Small businesses, SVA loans small business. But then you mentioned like if they are, maybe they're like brand new and they don't have like historical data to go off of what is considered a small business?

Like is it revenue? Is it number of employees?

Jen Boester: Yeah, it's primarily driven by revenue. and the max, um. SBA loan amount is $5 million. Oh, okay. For the seven A. So there's a little bit of information if you didn't know. So we can do anything, I think here at Heritage, anything from 10,000 to 5 million and, there's some more constraints around like the Express product and things like that though.

Sami Etienne: So if somebody needed more than $5 million, they would just be a regular, like business loan.

Jen Boester: I have not, in my experience, come across a situation like that. to answer that would probably be a little bit murky for me. you could probably see if the financing institution could get creative with how they, are able to accommodate that client. But typically, you know, when you're talking bigger dollars like that, you're talking about probably not brand new, totally off the ground business.

These are typically businesses that have been around that have the track record that maybe they just don't have enough collateral. That's what happens a lot, with your service industries, right? So even like a nice medical facility that, you know, generates a lot of cash flow, at the end of the day when they need to get a loan.

They don't have a lot of collateral. Mm-hmm. and that's, that third source of repayment on the loan in, you know, the worst case scenario. So that's where the SBA can really come in and shore that up and make everybody, feel a lot better about the transaction.

Sami Etienne: you have any success stories of your past SBA business client?

Jen Boester: I do. I think they all are a little bit success story, but, one of those You have a

Sami Etienne: favorite. I do have.

Jen Boester: I mean, do you, I have one that, it was really, Felt like a sweet ending when we got it to the finish line, but it was, a partial stock purchase.

Sami Etienne: Mm-hmm.

Jen Boester: And, we had one owner retiring, another ownership coming in, and those can get a little bit tedious at the SBA level, but we were able to, successfully round the corner and get it closed and It felt very

Taylor: successful for everyone. what made that one special? Like what was the process start to finish? Well,

Jen Boester: I think what made that one special is, I'd have to probably go back and explain to you. So every fiscal year, the SBA can change some of the requirements and they can adjust, their standard operating procedures and things like that. And so I had started this conversation with this client.

Prior to some big, big changes that they made, in the S-B-A-S-O-P and it created a lot of extra hurdles for us. but both sides just persevered through it and we got to the end and we were able to, Complete it. I mean, there were times that I didn't know if it was gonna happen.

Mm-hmm, mm-hmm. Just because of, multiple changes. Mm-hmm. Just over and over. But, we were able to get it done. Good. And what was that pro like? How many months was that? it started in March and it was done in July, so. Wow.

Sami Etienne: Okay.

Jen Boester: That was, so with

Sami Etienne: all the changes and everything mm-hmm. I mean that's only what, like four months? Five, right?

Jen Boester: Yeah, it was four to five months.

Sami Etienne: Okay. So now they have new ownership.

Jen Boester: Yes, right. Some. Mm-hmm. Yeah. Mm-hmm. And so it's been a great partnership, so that's a good one. but I think they're all a little bit success stories because we get the opportunity to help people that really like, wanna just follow their dream and be their own boss. Mm-hmm. Yeah.

And they have big ideas everybody can have big ideas, but not everybody has the capital to just. Put it into real life, right? Yeah. Right. And so, that's where we can really come in with this program, this SBA program and, really change the lives for people. I mean, we can really make.

Some life changing moves for them when we can offer these products to them. So yeah, that's so special.

Taylor: so how long have you been SBA manager at Heritage? Because you have a long history with Heritage, but how long have you been

Jen Boester: I've only been, at the SBA relationship manager. I just celebrated my one year and Yay. Yay. Last week. So have you seen, you didn't tell us,

Taylor: but I feel like I've done it for 10 years. So have you seen. within this one year of being SBA manager, like the benefit of small businesses here in our community. I

Jen Boester: have, and even before I was in the sales space, I was in the underwriting space for 20 years. And so I was the person kind of guiding that decision on the SBA loan before I became like more the face of the relationship. And so I do think I've always.

Understood it to some level, the importance, but to switch to the sales side where you get to meet the people mm-hmm. And hear their stories and my goodness, sometimes I meet their family, you know? Yeah. And I get invited to birthday party. Yeah. That's so special. I mean, the community development right, is mm-hmm.

Is probably one of my favorite parts of this job. So I do see it in a different way, I guess in short to tell you, than I saw it as being in the back office space. Yeah.

Sami Etienne: But it definitely gave you a better understanding of the sales part of this, right? Knowing the underwriting piece of it.

Jen Boester: Yes, yes. being able to, look at a loan request and kind of know if it's gonna be a yes or no before it ever hits the credit table, definitely creates a lot of efficiency for me. And for heritage as we navigate through the SBA program and just conventional financing program, because I do other things besides SBA

Taylor: too. So for the average lay person, listener. What is underwriting in your own words? Ooh,

Jen Boester: underwriting. Underwriting is the process that, goes through the financial statements, the credit bureaus, the tax returns of the business and the people and They analyze certain metrics that help determine the risk of the loan and then base that decision on the risk appetite of the organization or the credit union or bank.

So that is what underwriting really does. They make it make sense. They do. They put all the numbers together, they love ratios and formulas and they just make sure that. We keep the bank and credit union balance sheets healthy and balanced.

Sami Etienne: The math people. Math people. They're the math. They're the math people.

Jen Boester: That's right. So now I'm the math person kind of, and the sales person,

Sami Etienne: so once somebody say they got an SBA loan through you, do you just, you know. Give them the money and you're done? Or is there a relationship built to where they're coming back to you and for other questions or other products, services, things like that?

Jen Boester: Oh yeah. So for me, I'm their relationship manager. And so right out of the gate I explain to them like, I am your person mm-hmm. For all of your banking needs and, Many of them I can help you with. And even if I can't, I will find out who can.

Mm-hmm. And so I'm kind of like that initial, I'm that main contact point. and I would not do business any other way. To me, it's not ever transactional. so it's

Sami Etienne: relationship. It is

Jen Boester: very much relationship. Yeah.

Sami Etienne: I love that. I mean, who wouldn't want to have somebody that they can pick up their phone and call about any financial related question or inquiry about their

Jen Boester: business. That's right. And I just want them to have the best experience, the best banking experience that they can have.

Taylor: So, well, and you explain it so well, and you do know the underwriting side, but you're also a people person, so. you can help their dreams come true because you know how to explain it and you know how to tell people what they need or what they're asking for.

Right. I mean, there's been times I

Jen Boester: get loan requests in and I'll take a look and it's maybe not right now. Mm-hmm. But here's what you could be working on to be bankable in the future or to be able to get financed in the future. and people just really appreciate that There's a way to say no in a way that helps them grow and Oh yeah, for sure.

Yeah. I've had people that weren't bankable a year ago come back and now they are, I mean, I, really just had one, was not able to get the loan done at this time. email me last night and said, you know what? Thank you for all of your hard work.

regardless of decision, I'd really still love to open some checking accounts with you here at the yard. And so I worked on that today for that person. And, I just think that there

Taylor: is, and then they'll come back to you in a year with a loan. Yes, I did think that too already. Yeah.

Sami Etienne: Well, I love that.

Taylor: so we have a mid podcast segment. We will play with you called Broker Bougie. Basically we are going to give you a scenario and ask you if you think it is broker bougie. if it's something that you are willing to pay for. It's bougie, right? Yeah. So, is it broker bougie to subscribe to five or more streaming services?

Oh, that's broke to me. How many streaming services do you have? Yeah, not five.

Sami Etienne: Not five. All right. Sammy, how many many services do you

Taylor: have? Let's see. I.

Sami Etienne: I think I could name the ones that I don't have.

Taylor: Sammy's probably got 30.

Sami Etienne: Yeah. I have way too many, like way too many.

Taylor: I have a few of Sammy's on my tv. I know you have to have them all to watch shows. I think I have Netflix and YouTube tv. I have

Jen Boester: Netflix, apple, oh, and Amazon. I have Disney Plus I have Amazon. Oh, I have too. I don't have Disney Plus. I don't know guys. I have a lot of kids. I don't music really Have all time to watch Stream. Does Apple App a streaming

Sami Etienne: service? No. Technically it is a streaming service, I think. TV streaming to be specific. So how many do you have? Oh gosh. Netflix, Hulu, Amazon, Disney Plus, apple tv. HBO, paramount Plus Peacock. is that it? Is that all of them?

Taylor: I feel like you rattled off. You have Amazon, did you say that a lot? I think I said

Sami Etienne: Amazon.

Taylor: Yeah.

Sami Etienne: I have like NFL sent a ticket.

Jen Boester: she's got a ball. You have them all.

Sami Etienne: At this point, I'm about to just like, bring back DirecTV. I mean, family watches

Jen Boester: a lot of tv.

Sami Etienne: Here's the deal, I'm,

Jen Boester: listen, I have a little mini, antenna that I have in my living room because I refuse to pay for cable.

Taylor: My mom does that. And you get the local channels, right?

Jen Boester: I do like, yes. I, oh, if I can watch Sunday football, I think I'm okay. Mm-hmm. Mm-hmm.

Sami Etienne: Okay. I've got to share this story because the mini antenna thingy, so. To watch like the football games that are local, you have to have the antenna, right? Well, we didn't have one, so I googled in TikTok how to make a homemade antenna, and I know like I think you could use aluminum foil and stuff or whatever, but I found a better way.

You take the coax cable that comes outta the back of your tv, you know? Mm-hmm. Is this making sense? Mm-hmm. Yeah. And you find. A cord, an outlet that would plug into the wall and at the other end, like maybe it plugs into like something else. Not like your phone, but like maybe like an air purifier or something, and you plug that in into the coax and you put the outlet thing like in the window.

I feel, feel like, does that work really? It works like a dream. Yes.

Taylor: I feel like you could just buy an antenna.

Sami Etienne: Yes. But it was. was the principal that I was like, I'm gonna figure this out. It

Taylor: feels like you're messing with like electricity. Like you could ate yourself.

Sami Etienne: I don't know, like shock yourself. But I, but it was like coming out of the tv. Not like out of the outlet. Not out of the outlet. Okay. Yeah. So. Maybe just

Jen Boester: a little shock.

Sami Etienne: Maybe just a little, but

Jen Boester: it don't You agree? It works so good. I mean, I'm tempted to try it just because I wanna see if it works. Yes. But then I think my husband will look at me like, I would have to,

Sami Etienne: you just tell Ted to and I'll walk him through. I sent a picture to Cody when he was work. I was like, look what I did. It's probably

Taylor: like my wife's a genius.

Sami Etienne: Yeah. Yes, yes.

Taylor: Or she's gone mad, I'll pay

Sami Etienne: hundreds of dollars for streaming services, but refuse to go buy. And that is real. That is honestly the fundamental issue here. Yeah, I have a problem. I know.

Taylor: Okay. what if the listener wants to start their own business?

Jen Boester: so if the listener wants to start their own business and they haven't, procured a mentor or. anyone that can kind of help support them along the way. We have the Small Business Development Center in downtown Evansville, and they're a great free resource for people to use. they offer business plan and projection mentoring.

They have classes on like, on how to use QuickBooks. They have a start your own business class that you can take. I've heard such great things about them. They're great and they're free. I mean, they, exist kind of like the SBA, like solely to mm-hmm. You know, benefit small businesses, benefit small business.

so I think that that's really important. I'll get calls of people that aren't quite ready for me. but they are ready to talk to them. Mm-hmm. And so, that's a really great partnership that we can start at the beginning and, they can work with the SBDC advisor and these advisors are like retired or semi-retired professionals and, banking, finance, accounting industries, and you're on this SPDC advisory council, right?

I am not on, I'm not an advisor, but I do sit on the advisory council. and so. I'm kind of more of an ear to the ground mm-hmm. For them. Mm-hmm. Mm-hmm. With trends and things like that. That's kind of more my role in that space. But, I can work with the advisor and the client when they're ready for me, and we can work on, you know, we can, it's like a warm

Taylor: handoff and then. Bring 'em back to me. That's right. It's a little bit

Jen Boester: of a boomerang. Mm-hmm. so that's really important. I wish a lot of people knew that that was there. And I, I would like them to understand that these are all really important steps that

Sami Etienne: mm-hmm.

Jen Boester: If you're gonna be successful, they challenge you to think about the hard things that maybe you haven't thought about. so that's important. The other thing that is Misunderstood. I'll say that's the best way I can phrase that. Your personal credit really matters in small business lending. Really? Okay. I think that people don't realize that I get a lot of calls and they wanna start a business but then when we get to talking about their credit score, they are a little bit confused.

And what does this have to do with the business loan? It has everything to do with it. So, we look at that and I would safely say lots of institutions look at the personal credit score, as part of the metrics that help guide, the underwriting to make a loan decision.

So, definitely if you're thinking about starting a business, but your credit's a little, mediocre or not great, be working on that too. What is the biggest thing to do to boost that? the biggest thing to do to boost that obviously is to pay your bills on time. Groundbreaking number one.

Other than that, if you're already doing that, the credit bureau is really a reflection of how you utilize debt, though, that's a big part of the credit bureau that I think might be mysterious to people.

Sami Etienne: Mm-hmm.

Jen Boester: And so when you have some good diversity in your credit bureau, I think that that helps. And I'll try to stay in my lane 'cause I don't work for any of the credit bureau companies, but, I think that, just modest debt load and timely repayments and Just living within your means credit.

I would love to go down this rabbit hole.

Sami Etienne: Yeah. But you have to have credit. Like you can't just be like cash, everything and pay with your debit card. That's true. Yeah. Like you like a lot

Taylor: of financial

Sami Etienne: like Taylor does.

Taylor: Hey, like Ramsey's solution says to do. Yeah. I mean if

Jen Boester: you, if you have a very thin file, they call it a thin file that that's me. When you don't have a lot. Happening. and so something that you could do to, help that or kind of create a track record is to open a small finance account or, if you're in the need for a new vehicle, finance it.

Maybe instead of pay cash, I, that is the one I have finance. This is then line I have to walk when telling people what to do here. But, to create just a little bit of a thicker file they call it. Mm-hmm. Um. have to utilize some of it so that there's a track record to be seen.

Yes. So you have to have a little bit of debt. I mean, that feels like a dangerous,

Taylor: sorry. That, but

Jen Boester: I'm think that our listener and our

Taylor: listener is like a average. their knowledge is like my knowledge probably. Yeah,

Sami Etienne: probably. But so like there's a magic number with debt utilization,

Jen Boester: so on a credit card, if you're over 50% utilized, it automatically drops your score. Mm-hmm. So you're really better off to have a higher, what does that mean? Higher credit limit and a lower balance. Okay. So.

Sami Etienne: So like if your credit card is like $10,000 limit and you have like 7,000 on there, then it might drop it.

Taylor: Yeah, that's worse. I have a question then, for me personally, which might sound really silly, but maybe this will help someone out there. I got a new couch, in the spring and so obviously financed it because it was the cheaper option, just paid it off. Is it better to like, keep nothing on that card or do I need to put like something a little on that card?

Jen Boester: I don't know that there's an answer for that necessarily. I mean, without knowing your personal credit history. I don't wanna encourage people to finance things if they don't have to. here's another, way you could do it is. There's cash secured financing where if you, even if you have the cash, maybe you choose to finance it, you're probably gonna get a really good interest rate.

I can't speak to that 100%, but, probably better. 'cause it's really low risk, right? You're borrowing your own money basically. and that could help also help maybe build your credit.

Taylor: But for that, couch that I bought,

Sami Etienne: you need to close that credit card. You're bad. Isn't isn't an Ashley credit card? Yes.

Taylor: But isn't it bad to close? That doesn't that d your credit of fee? Well just don't use

Sami Etienne: it.

Taylor: if you close that credit card, it'll

Sami Etienne: Yeah. Does. 'cause that's probably your oldest account, right?

Taylor: No.

Sami Etienne: You have an older account?

Taylor: My car student loans as well. Okay,

Jen Boester: so you have activity on there. So I would not worry about the card. Okay. Yeah. So I can close it. I mean, I would say you could close it if you wanna close it. Yep.

Sami Etienne: so like I use a credit card for everything and then just pay it off every month. is that building my credit?

Jen Boester: Yes, I would say it is. I think that where it gets, the important piece there is making sure that your limit is high, so that you're not exceeding that 50% directional and making sure you pay it off. Because I do the same thing. I do the same thing. I do it for the rewards.

we put everything on there. We get a big, you know, nice check at the beginning of the year, but. It's important that we keep it under the 50%. 'cause otherwise, you know, my little wallet hub will pop up and say, oh, Jen, your credit score dropped by so many points.

So,

Sami Etienne: yes.

Jen Boester: Um, and not that, that's a big deal. Credit, scores, they shift a lot. Like most of 'em aren't stagnant. They go up and down all the time. but if you're gonna use a credit card for everything, just make sure that you are either paying it like maybe more than once a month, or you Have a limit that's exceeds that mark that would put you under

Taylor: 50%. The things you don't learn in high school.

Jen Boester: I wish they would teach you this. I know know, but you did learn shop, so you could, you did, yeah. Mm-hmm. Wood shop. Did you take wood shop?

Taylor: No.

Jen Boester: Oh. Trying to think of some other classes that I've, I absolutely never. I made hard. I just, once I left high school,

Taylor: geometry, trigonometry. Mm-hmm. Algebra. US history, which was my favorite thing, basically. Any of your maths? Yeah.

Sami Etienne: Yeah.

Taylor: Calculus.

Sami Etienne: Any math basically. Any final words about the SBA?

Jen Boester: I don't know that I have any final words. Just, happy to. Answer any questions if anyone ever has any. you can find my bio on our website. Yeah, it's got my ways to contact me. Email, cell phone, office phone. happy to, help field any of those questions and, get you answers you need and get you in the direction you need to go.

Sami Etienne: Yes. And we do have an application on our website too, We do. But you would rather them just like reach out to you first.

Jen Boester: So the application, we do get loan applications in that portal, and that's fine. A lot of people get kind of stuck. And so if you wanna go that route first. Completely fine. but when you get stuck, please call me because I'd rather you, you know Not abandon the application and I can help you through it than, for you to get overwhelmed and walk away.

So, if someone calls me versus doing the online application themselves, my team can put the application in. No problem. So

Sami Etienne: just call Jen. Just call Jen. Basically just call

Jen Boester: me.

Sami Etienne: Yeah, just call Jen. Alright. Well thank you so much. Thank you. Thank you for having me. Yeah, this was so much fun.

Taylor: you can come back on our podcast if you want.

Sami Etienne: Okay. We

Taylor: can cover more topics.

Sami Etienne: Yeah. We'll di deep dive into credit. how to boost Taylor's credit so she can buy a home.

Taylor: Yeah, and I'm sure there are other people out there who need that too. It's turning into my personal advice.

Sami Etienne: Alright, well until next time. Thanks everyone.

Scott Webb (Announcer): This

podcast is for general information purposes only. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of Heritage Federal Credit Union. Heritage Federal Credit Union is federally insured by the National Credit Union Administration. Heritage is an equal housing lender.

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