FEBRUARY 2019 N. ORANGE COUNTY

EXECUTIVEAGENT MAGAZINE

TM

MARK

MARTINELLI Executive Agent of the Month

INSIDE FEATURES: Rick Bui

Finance of America Mortgage

Jeff Hatz

loanDepot®

Anna Nagy

Coldwell Banker

NEWPORT BEACH 3501 Jamboree | Suite 200 | Newport Beach, CA 92660

Build a partnership with a direct lender that offers exceptional service.

John J. Reed Branch Manager NMLS-869516

(949) 398-3655

Mark Martinez

Rick Bui

Alan Cipolletti

NMLS-302745

NMLS-309803

NMLS-653005

Sales Manager

(714) 863-8470

Senior Mortgage Advisor

(714) 305-2400

Valerie Dawson

Karina Flint

NMLS-1552910

NMLS-1736332

Senior Mortgage Advisor

(714) 864-8088

Senior Mortgage Advisor

(949) 903-3370

Jennifer Milliken

Lynn Nelson

NMLS-971471

NMLS-653022

Senior Mortgage Advisor

(951) 743-4199

Senior Mortgage Advisor

(714) 412-8608

Senior Mortgage Advisor

(949) 394-1757

Therese Franklin

Senior Mortgage Advisor NMLS-1151840

(949) 394-4624

Patricia Redfern-Wright

Senior Mortgage Advisor NMLS-483924

(714) 329-8620

Jim Thiel

Senior Mortgage Advisor NMLS-907893

(949) 521-0039

We offer in-house agent marketing support providing the following services: POSTCARDS | FLYERS | VIDEO | PHOTOGRAPHY Š2018 Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #15499 | Illinois Residential Mortgage Licensee | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker -- NYS Banking Department | Rhode Island Licensed Lender.

EXECUTIVE AGENT OF THE MONTH

Mark Martinelli Keller Williams Realty

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17

Inside Features

06

4

26

12

Rick Bui

Jeff Hatz

Anna Nagy

Finance of America Mortgage

loanDepotÂŽ

Coldwell Banker

ExecutiveAgent Magazine

N. ORANGE COUNTY - FEBRUARY, 2019

Editorials

E XECUTIVE AGENT

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MAGAZINE

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Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 297-8323 Fax: (949) 266-8757 Fred@eamag.net www.ExecutiveAgentMagazine.com

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ADVERTISERS’ INDEX

The Platinum Rule -Tony Alessandra

Attitude & Mindset Are A Choice -Jeb Blount

City of Hope....................................................34 Finance of America Mortgage..................2 & 35 Kinecta Federal Credit Union...............................11 Michelle Fairless Photography..............................23 NAHREP..................................................................30

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A Positive Mindset Generates Positive Actions -Richard F. Libin

PWAOR.............................................................................10

The Termite Guy......................................................3 Ticor Title Company...................................................36 VAREP............................................................................31

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Go Forth And Win The Battle!

-Chris Widener

Photography: iPhotography Studio, Michelle Fairless Photography, Rob Paino Graphic Designer: Garon T. Arrias Editorial Manager: Trudy Van Writers: Ben Angel, John Boe, Haley Freeman, Jim Rohn, Walter Sanford, Dirk Zeller, Zig Ziglar Craig Harrison, Simma Lieberman, Chris Widener © Copyright 2019 Executive Agent Magazine. All rights reserved.

Reproduction in whole or in part without written permission is prohibited. Although every precaution is taken to ensure accuracy of published materials, Executive Agent Magazine cannot be held responsible for opinions expressed or facts supplied by its authors.

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Achieving Relationship Excellence -Dirk Zeller

ExecutiveAgent Magazine

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E XECUTIVE AGENT

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MAGAZINE

A Champion of Home Ownership

Rick Bui Written by Haley Freeman

D

uring his 20-plus years in the mortgage industry, Rick Bui has filled virtually every post, including loan processing, underwriting, funding, securitization, sales and management. He brings his comprehensive expertise to his role as mortgage advisor at Finance of America Mortgage in Newport Beach, where he is passionate about helping people build greater financial security through home ownership.

Rick joined Finance of America Mortgage in 2018 for its human-centric values and array of resources that help make home loans accessible to more people. “Our culture is different because it’s geared toward customer and business partner relationships in the sense that we can and should do more for them,” he explains. “Finance of America Mortgage is not too big, and not too small, with a lot of resources to give customers the best service and attention from staff. The same goes for our business partners. We stay in contact constantly so everyone is aware of the process, and we are here for them when they have questions or concerns.”

Finance of America Mortgage’s service model conforms well to Rick’s instructive approach to lending. “I try to educate borrowers about all aspects of buying, owning or taking care of a home. A lot of people don’t realize what home ownership entails. I want to give them a sense of ease when it comes to owning a home, and show them the ways in which their future brightens up because of the financial freedom it affords them later on in life. Sometimes they don’t realize until their

kids are in high school and getting ready for college that now they have the equity to pay for it. Or if in 10 years they decide to open a business, they can use the equity to get started. A home is also a great retirement savings vehicle. I want to help them think longterm because for so many of us, we weren’t taught these things by our parents or in school.”

ExecutiveAgent Magazine

Rick takes the time to meet with borrowers and business partners personally. “A lot of times it’s easier to explain things and show someone in person when you’re working with a lot of numbers. I think clients deserve it, and business partners do, as well. I work with people from San Diego to Northern California to as far East as Blythe, and most of my business comes from word-of-mouth and referrals.”

Known for its make-sense lending policies and diverse program offerings, Finance of America Mortgage offers strategic financing for all kinds of borrowers. “We have a number of programs that other companies don’t offer, like a fix-and-flip loan that is a line of credit up to $25 million for investors to buy and fix up houses. There is a limit of $2.5 million on each transaction with a minimum FICO of 660. We can finance up to 90 percent of the acquisition and 90 percent of the rehab cost.”

In addition to having programs that make it possible for real estate partners to close more transactions, Finance of America Mortgage provides agents with comprehensive marketing support designed to help them acquire more business and close transactions seamlessly. “We have the ability to personalize our joint marketing efforts. Our marketing staff are trained experts who understand how to market with impact and how to attract buyers. We do everything we can to help them sell their listings quicker and more efficiently.”

outreach including being President of the Chino Rotary Club for 2019, Youth Accountability Board for the SB County Probation Department and Ambassador for the American Legion #155 in Colton.”

A longtime resident of Orange County, Rick enjoys exploring the outdoors and the area’s exceptional lifestyle with his wife, Erica and their two children, Rico and Felicia. “Our son plays baseball, and our daughter is in cheerleading. I think it’s every parent’s dream to watch their kids enjoy life, and that’s what they do. I’m blessed to see that in both my kids.”

According to Rick, the part of his job he enjoys most is helping underserved populations achieve the American Dream. “I love working with individuals such as veterans, people with blemished credit or low income. I try to find a solution for every customer I come across, even if their circumstances don’t pass the first test. It is so rewarding to see them light up when they close on their new home. It makes all the hard work worthwhile.”

Rick Bui Finance of America Mortgage 3501 Jamboree Road, Suite 200 Newport Beach, CA 92660 Tel: 714.305.2400 Email: Rick.Bui@financeofamerica.com Web: www.RickBui.com NMLS ID 309803

Rick is an avid supporter of veterans, and he works tirelessly with various organizations to help provide services and build veteran memorials. “I also have a lot of knowledge I can share with veterans who may not know about their VA loan benefits. I enjoy giving back to the community, and it helps keep me grounded and appreciate what I have. I do a lot of community ©2018 Finance of America Mortgage LLC is licensed nationwide | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5626 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

ExecutiveAgent Magazine

Attitude & Mindset Are A Choice

I

n the demanding, stressful, and emotional world of sales the slightest inconvenience or bump in the road can turn your attitude toxic.

Your alarm clock didn’t work, it’s raining, you forgot your umbrella, the line at the drive through was slow, you spilled coffee on your dress, the clients you drove around for three days looking at houses couldn’t get financing, you drove an hour across town to an appointment and your prospect didn’t show, your operations team screwed up the first delivery to your new customer, you had to fight to get your commissions paid correctly - again!

Suddenly you are engulfed in the sea of doom, your cup is half empty, and there is no silver lining to your dark cloud. Disruptive emotions begin to drive your behavior.

Your outlook goes negative and your patience shortens.

On the brink of outright hostility, and you find yourself unable to focus on selling. You just want to go home and crawl back into bed.

For a Sales Professional, a bad attitude zone and the disruptive emotions that come with it, if unchecked, can be fatal to your career.

In sales, attitude is the “X Factor”. Attitude plays a powerful role in your success. Because sales is inherently emotional for both you and your buyer and emotions are contagious; your attitude can and will impact your buyer’s desire to buy from you. This is why the salespersons attitude is often the winning edge in hard fought battles for new accounts.

For this reason, you must protect your attitude at all cost. Develop a bounce back routine when things don’t go your way. Become aware of negative self-talk. Let go of anger. Maximize positive input. No matter what happens to you or what outside influences are at play, your attitude is your choice. You are absolutely and completely in control of it.

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Here are three things you can do now to develop a winning attitude.

1. Invest in Yourself: It is easy to burn out in the sales profession. When you are tired and run down it is difficult to maintain a positive attitude. Train like an athlete. Exercise your mind, body, and spirit. Then, when you do get knocked down, you’ll get up faster and you will win.

2. Tune In: Learn to listen to your inner voice. It is there, talking to you all of the time. Most days we only listen when it says negative things. That’s when our attitude goes south. When you tune in to your inner thoughts you can get ahead of the curve and make repairs to your attitude before it begins to sink your sales career.

3. Filter the Noise: Stay away from negative inputs, negative people, and negative environments. Each morning say the words, “Today, I choose Joy.” This one act will condition your mind, body, and spirit to work together to protect your attitude.

In sales and in life, attitude is the greatest single predictor of how far and fast you will climb. In other words, attitude = altitude. Make the choice today to use your attitude to go straight to the top.

Jeb Blount advises many of the world’s leading organizations and their executives on the impact of emotional intelligence and interpersonal skills on customer experience, strategic account management, sales, and developing high-performing sales teams. He speaks to and delivers training to high-performing sales teams across the globe. He is the author of eight books including the mega bestseller Fanatical Prospecting and his newest release Sales EQ. To learn more call 1-888-360-2249.

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WHY CHOOSE PWR? Some of the LOWEST Fees in the area

The Only Full Member Support Call Center in California Direct “Single Sign-On” Access to REALTOR® Tools: Matrix MLS, RPR, and PWReports Flexible Dues Payment Options Including Online Bill Pay Professional Standards Enforcement and RED – Rapid Ethics Delivery Program FREE Education - Easy Registration Through the PWR Mobile App and PWR Website www.pwr.net TWO Convenient Locations to Serve You – Anaheim & Long Beach FREE Informational & Networking Events / Meetings FREE PWR Mobile App & Technology Tools: Everlance Mileage Tracking App, FHA Pros, MLS Touch, ShowingTime Political Advocacy to Protect YOUR Rights Supra Key and Keybox Support PWR Charity Foundation With Grants For Your Military Clients and First-Time Buyers Broker Outreach Team with Free Onsite Tech & Pro Standards Training PWR Store for ALL Your Real Estate Needs

TO JOIN PWR – CALL 714-245-5500 FOR MORE INFORMATION VISIT WWW.PWR.NET

Local Banking for 80 Years

If you need

to close, we’re close by.

You need partners that you can count on to help you close. As a local direct lender, Kinecta Federal Credit Union knows what it takes to purchase a home in Southern California – and we have the mortgage solutions to prove it: Jumbo Loans

• Now up to $4 million • Up to 50% DTI • As low as 5% down

Government Programs • Approved FHA Lender • VA Loans

New! Portfolio Investment Property Program • 30-year amortization, due in 15 years • $871,450 max. loan amount, as low as 620 FICO • 1-4 unit properties • Customized and competitive pricing without Fannie Mae standard loan level pricing adjustments!

Let’s close the deal – Contact me.

Andy DeLuca, Sr. Mortgage Loan Consultant cell: 949.291.7189 NMLS# 440903 adeluca2@kinecta.org www.kinecta.org/adeluca

Membership requirements apply. NMLS (Nationwide Mortgage Lending Service) ID: 407870. Information in this advertisement is intended for Real Estate and Mortgage Professionals only and not intended for consumer use as defined by Section 1026.2 of Regulation Z, which implements the Truth-In-Lending Act. Any expressed underwriting guidelines are subject to change without notice and are subject to Kinecta Federal Credit Union guidelines and all applicable federal and state rules and regulations.

21630-11/18

E XECUTIVE AGENT

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MAGAZINE

Written by Haley Freeman

ANNA NAGY

A

nna Nagy brings the heart of a teacher to her thriving real estate practice at Coldwell Banker Residential Brokerage in Encinitas, the number one Coldwell Banker office in San Diego County. Her

nurturing, personalized approach to real estate ensures that buyers and sellers are always well-informed about their rights and options, and well-prepared to make one of life’s biggest decisions.

ExecutiveAgent Magazine

The Educated Choice in Real Estate Anna grew up in North San Diego County and earned her bachelor’s degree from Azusa Pacific University.

After graduation, she married her husband, Jason Nagy, and embarked on her first career teaching at-risk middle and high school students. When Jason began a career in real estate, Anna provided him with administrative support, eventually becoming a licensed transaction coordinator, and finally, a Realtor®. Since Jason accepted a management role inside Coldwell Banker, Anna has continued to serve their database of clients, while also cultivating new business.

Between her lifelong California residency and her real estate career, Anna has established many relationships throughout the region, and she represents clients across LA, Orange, Riverside and San Diego counties. In order to serve her clients most efficiently, she frequently networks with other agents and utilizes Coldwell Banker’s offices wherever her business takes her. “I love being able to network with other agents to help my clients get their deals closed. I’m thankful for the business, wherever it may be, and I ask the Lord to help me serve that person he brought into my life.”

During her years as a teacher and real estate professional, Anna has honed her abilities to listen and convey information in a way that puts people at ease and bolsters their confidence to make important decisions. “The biggest thing for me is to look at every family or individual as unique as they are. No single client is the same. My job is to figure out where clients are in their journey of life and buying or selling a home, and what they do or don’t know about the market and the process. That’s where I can come in and help them understand. The great thing about real estate is that I’m constantly learning, too, and I’m excited to share that knowledge with my clients.”

known for her work ethic and willingness to think outside the box in order to help buyers find the right property and help sellers maximize their return on investment. “I do what it takes and figure out how to best help this client.

Who do I need to network with? Where do I find that next piece of the puzzle for their sale or purchase?”

Anna and Jason have been married for 21 years, and their children, Natalie and Drew, are now young adults.

“We love spending time together as a family outdoors, whether we are hiking in the mountains or playing at the beach. Our daughter plays soccer, and our son is a musician, so we love cheering them on and supporting their activities.”

For Anna, real estate isn’t about money; it’s about coming alongside people and bringing them value. “I think as agents, we are here to serve the community, and in a sense, to teach. Purchasing a home is a big decision. I enjoy getting to know people and their stories, and finding out what they need. That’s where I find my passion — in finding how I can serve them and help them thrive. My purpose is to give them an experience that makes them feel I brought value to their journey.”

Anna Nagy CalBRE # 02046469 Coldwell Banker Residential Brokerage 740 Garden View Ct., Ste. 100 Encinitas, CA 92024 Tel:626.485.3128 anna.nagy@camoves.com soldbyannanagy@gmail.com www.coldwellbankerhomes.com/ca/encinitas/ agent/anna-nagy/aid_188274

In addition to her kindness and patience, Anna is also ExecutiveAgent Magazine

“The process is that thoughts become actions and actions produce results. So the equation starts with the thoughts. So the key to success is to start with and control the thoughts that we have.�

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ExecutiveAgent Magazine

Go Forth And Win The Battle!

G

ood thoughts become good actions become good results. If you have read my articles or heard me speak, you know that I always come down to action. We need to act if we are going to be successful! Yet, our success starts long before our actions. In fact, our success begins in our thoughts.

Success Begins in Our Thoughts The process is that thoughts become actions and actions produce results. So the equation starts with the thoughts. So the key to success is to start with and control the thoughts that we have. Good thoughts become good actions become good results.

But there is this predicament we have as humans.

It is this “battle” we have with our thoughts. Thoughts of depression, negative thoughts, thoughts of fear etc constantly creep into our minds and cause us to act in certain ways that are going to produce the antithesis of the kind we want that will produce success.

So what can we do to win the battle with thoughts?

Here are a few main points. Apply these immediately and then constantly and you will be on your way to winning the thought battle.

bad stuff out, and plant, put the good stuff in, so we do the same thing with our thoughts. Buy tapes and music that will produce good, happy thoughts in your head! Watch TV programs and videos that put good thoughts in your head!

Avoid the naysayers.

They are all around you. You work with them, you live near them – some are even in your family!

Whatever you do, do not let them affect you with their negative thoughts. Spend as little time as you can with them (unless it is your spouse or kids – then you need counseling!)

Act on the positive thoughts that you do have.

When a positive thought comes into your head, act on it! This will begin to produce a “bridge” between what you think and how you act! This will then make that transition even easier as time goes by! Four key ideas to win the thought battle: • • • •

Guard your mind.

Proactively place good thoughts in your head.

Avoid the naysayers.

Act on the positive thoughts that you do have.

Go forth and Win the Battle!

Guard your mind.

Pretend that behind that forehead of yours is a very precious thing – your mind – because it is precious. If you had a storehouse of gold in your house, you would hire an armed guard to stand watch and keep all the bad guys out. Yet, many of us let any old thing come into our minds. We need to keep the bad thoughts, the negative thoughts O-U-T! Now when I say this, I mean both the ones that start in our heads and the ones that come from external sources.

Chris Widener is the President of Made For Success.

He teaches leaders how to become Extraordinary Leaders. Chris’ speaking and consulting services have challenged the best to become optimists, to pursue excellence relentlessly, and to dream big dreams. Copyright© 2007, Chris Widener. All rights reserved. For information about Chris’ speaking and consulting services, contact the FrogPond at 800.704.FROG(3764) or email susie@FrogPond. com; http://www.FrogPond.com.

Proactively place good thoughts in your head.

Just like a garden, where you weed, or pull the

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EXECUTIVEAGENT MAGAZINE

Nomination Form Nominate a fellow REALTORÂŽ to be featured in one of our feature stories; on the cover as Executive Agent of the Month, or as a special feature story. All candidates must be nominated by a real estate professional. The selection process includes a questionnaire, personal interview, reference check and final approval by the Advisory Council. Candidates are evaluated based upon professionalism, length of service and uniqueness of story, as well as industry and community involvement.

I Nominate: Name_______________________________ Company___________________________ Address____________________________ _____________________________________ City, State, Zip_____________________ _____________________________________ Phone______________________________ Email_______________________________ Submitted By: Fax/Email nomination to: Executive Agent Magazine PO Box 73384 San Clemente, CA 92673 Fax: 949.266.8757 Email: Info@eamag.net Tel: 949.297.8323

Name_______________________________ Company___________________________ Phone______________________________ Email_______________________________

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Cover Story

MARK

MARTINELLI Executive Agent of the Month

ExecutiveAgent Magazine

MARK

MARTINELLI Written by Haley Wilson Freeman - Photography by Michelle Fairless

R

ealtor® Mark Martinelli grew up in North Orange County and has been a resident of Yorba Linda for over 24 years. He and his wife have owned multiple homes in the area, and their children have attended the same schools that Mark did during his youth. When it came to choosing a real estate brokerage, Mark wanted to work with a company that had a strong connection to the community where he and his family live, work, play and worship, so he chose Keller Williams Realty.

Mark was first introduced to real estate by his mother, a licensed Realtor® in Orange County. He began doing clerical work in her office while attending California State University, Fullerton, but he ended up pursuing a first career in the insurance industry. After a successful stint in the corporate environment, Mark began to feel restless. “There was no creativity involved, and I saw the writing on the wall,” he recalls. “Sales always appealed

to me, and I enjoy anything that involves helping people.

It was also important to me to have the flexibility to be there for my family, and in the insurance world, I knew I would never have control of my own schedule. If I wanted work-life balance, I was going to have to make a change.”

Mark began selling real estate with a focus on the communities of Yorba Linda, Anaheim, Anaheim Hills, Brea, Placentia and Fullerton. He has excelled by providing clients with hyper-focused representation in areas where he has first-hand knowledge of each city’s unique neighborhoods and lifestyles. “You’re only as good as the results you can deliver. Having local market knowledge is and important part of helping clients get what they want.

For instance, knowing the area helps me set appropriate expectations for what someone’s house will sell for.

When I can give them good advice, it helps me earn their trust.”

North OC’s Local Market Specialist ExecutiveAgent Magazine

Many clients have shared their sentiments about why they trust Mark with their largest investment. One stated: “(Mark is) always responsive and returned calls, texts, emails. Had good knowledge of the area and showed good examples of our wants and needs. Competently handled negotiations and drawing up contracts and addendums in a swift manner. All in all, exactly what I was looking for from a Realtor®. Five stars!”

Another commented: “Mark corresponded with me for

weeks before I listed my home with him. He provided free tools to help me make decisions about when and how to list my house. Mark knows my neighborhood because he lives locally, however he has listings all over and is knowledgable in these other locations too. He is energetic and knows the business like the back of his hand. I have no doubt that he will guide me through the selling and buying process honestly and professionally. I feel qualified to judge his abilities because I have bought and sold homes before.”

ExecutiveAgent Magazine

Over the years, Mark has enjoyed many successes in real estate by providing clients with caring, ethical and professional representation. After building a busy team of seven agents, he found that time for family was again elusive. Recently, Mark decided to return to working as a solo agent, with a strategy of networking among his large community of past clients and his colleagues within Keller Williams. “I’ve become adept at working the referral networks. We have 180,000 agents nationwide, and I have met many of them at educational programs and company events.

The people who are endorsing me are those I know personally. Receiving a referral is an honor, and I pride myself on making referring agents look good for selecting me.”

Mark remains selective about the transactions he accepts, since he wants to be sure he can provide the level

of service the client deserves. “I don’t like to turn down business, but sometimes I should because I’m not a specialist in that area. This strategy enables me to networking relationships I have and stay close to home where I can provide expert representation for the client and for the referring agent.”

A commitment to continuous learning and self-improvement has ensured that Mark always has something of value to offer his clients. He is a two-time graduate of Keller Williams’ signature training program, BOLD, which stands for “Business Objective: A Life by Design.” Mark has also achieved the prestigious Graduate, REALTOR® Institute (GRI) designation, which includes in-depth training in legal and regulatory issues, technology, professional standards and the sales process.

ExecutiveAgent Magazine

At Keller Williams, it is part of the culture for agents to identify their “Big Why.” Mark experienced a major shift in perspective when he was faced with a cancer diagnosis in 2015. He has since undergone successful treatment, but his changed outlook has remained with him. “At one point I would have said my ‘Big Why’ is to grow my team and make us all a lot of money along with the freedom they desire. But in reflecting on where I am now, I’m more interested focusing on the people who are right in front of me. I want to give each client I work with a world-class experience, and I want to preserve time for my family.”

at home, family time often means attending soccer games with their two oldest children, Jason and Reghan, or dance events with their youngest, Devyn.

When people hire this down-to-earth agent, they get a dedicated, local professional who can provide a first-hand perspective on life in the North OC community. “There’s no easier way for me to sell the area than to tell you I grew up here, and I choose to continue living here because of the great schools and the community feel. I’ve loved living here for more than 30 years, and now I’m raising my kids here. It’s not a sales pitch.”

Mark’s wife, Robyn, is also a licensee who currently works in fundraising at UC Irvine. Their goal is to work as a husband and wife team in the future. With three children ExecutiveAgent Magazine

MARK MARTINELLI Keller Williams Realty 19631 Yorba Linda Blvd., Yorba Linda, CA 92886 Tel: 714.584.2700 – Cell: 714-396-5639 Email: MartinelliTeam@kw.com Web: www.AtHomeOrangeCounty.com - CalBRE # 01713116 ExecutiveAgent Magazine

Head Shot Session 20 Minute Session Includes: Private Preview Gallery for you to choose your favorite photos 2 Fully Edited High Res Digital Downloads $150.00 South Orange County Only No refunds please Dates and locations based upon my availability

Home - Family - Head Shots - Real Estate Photography Events - Fashion - Boudoir Life Is About The People And The Moments That Take Your Breath Away

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ExecutiveAgent Magazine

The Platinum Rule:TM Relationship Strategies for Connecting with Anyone

P

ersonality differences: they’re what make life so rich and fascinating and often so frustrating, too. Most of us never figure people out. We just ricochet through life, getting along with some people and dealing as little as possible with others because they’re so different from us. Everyone knows the Golden Rule: “Do unto others as you would have done unto you.” But this habit can turn off those who have different needs, wants, and hopes than we do. Instead, the real key to making a difference is to apply The Platinum RuleTM. “Do unto others as they would like done unto them!” Once you understand and master The Platinum RuleTM, you’ll be able to build bridges to people of any style in any personal or business situation.

Dr. Tony Alessandra, CSP, CPAE has authored 13 books, recorded over 50 audio and video programs, and delivered over 2,000 keynote speeches since 1976. Copyright© 1999, Tony Alessandra. All rights reserved. This article has been adapted from Dr. Alessandra’s book, Charisma (Warner books, 1998. Dr. Tony Alessandra is recognized by Meetings and Conventions Magazine as... “one of America’s most electrifying speakers.” For information about Tony’s keynote presentations, please call The Frog Pond Group at 800704-FROG (3764) or email susie@frogpondgroup.com.

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E XECUTIVE AGENT

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MAGAZINE

JEFF HATZ Written by Haley Wilson Freeman

J

eff Hatz has dedicated the majority of his 30-plus year career in home lending to working with home builders and buyers of new homes.

He has enjoyed preferred lender status with industry leaders including Woodbridge Pacific, IntraCorp, Taylor Morrison Homes, Christopher Homes and Watt Communities, and has managed in-house mortgage operations for Brookfield Homes and Capital Pacific Homes. In 2017, Jeff brought his experience to the industry’s most innovative new home lender, loanDepot, and in 2018, he was recognized as a President’s Club top producer. From his post in the company’s builder division in San Juan Capistrano, he is guiding buyers through the unique challenges that come with purchasing a new home, while providing professional support to builders and their sales agents.

Jeff’s gift for numbers evinced early in life, and growing up in Anaheim Hills, he was always a grade or two ahead of his peers in math. Not surprisingly, he went on to earn his degree in finance from California State University, Fullerton, and soon thereafter, began working in the mortgage industry. He has succeeded through many market highs and lows by maintaining a trustworthy, knowledgeable and clientcentered approach to lending that continues to earn him the loyalty of his clients year after year.

“To be effective in this area of the business, you have to understand that the process is different,” he explains. “For one thing, there are longer escrows.

They could be six to eight months, so long-term rate locks also come into play. Another factor is that when someone buys a new home, they are purchasing a

stark naked house. They are often going to choose to upgrade things like flooring, countertops and appliances, so there can be changes in the sale price which may change debt-ratios and approval strategies. Most important is working very closely with the builder. Basically you are a team member of the builder who relies on you to be an expert on all facets of the financing. They don’t do financing, so I’m the guy they trust to know the process and walk their clients through it step-by-step and make them comfortable with it. Also, to identify potential problems and address them quickly.”

ExecutiveAgent Magazine

Top-Tier Home Lending in the Builder Niche At loanDepot, Jeff is well-equipped with the products and support to provide top-tier service in the builder niche. “loanDepot has a platform that works with new home builders. We get support from the top, and the ops team I work with is builder-focused.

I can go out there in the field and brag about my team, my company and my products and really be proud of who I work for.” loanDepot is now offering jumbo loans with 5 percent down up to $1.5 million and 20 percent down up to $2.5 million. “Programs like these allow me to be creative, as well. A client can use a portion of down payment money they saved to pay off higher interest debt and finance more of their mortgage at a good rate instead. We also offer jumbo loans with a higher debt-to-income ratio (DTI). Jumbo guidelines normally allow a DTI of up to 43 percent. We have a proprietary program that will allow up to 50 percent DTI with 20 percent down payment, and up to 47 percent DTI with a 10 percent down payment. The bottom line is that having creative programs allows us to approve more buyers.”

Jeff also works closely with Loan Specialist Danny Serpa, his right-hand man, to help clients improve their FICO scores and qualify for a loan or obtain a better interest rate before closing. “We’ve been working together for three years, and it’s been a blessing to have somebody as talented as him pulling on the same end of the rope as me.”

In the end, Jeff’s goal is a simple one. He says, “My goal is that when the loan is done and we’ve closed on time, my client will tell the person who referred them and say, ‘Thank you for referring me to Jeff Hatz.’ The biggest compliment is when somebody invites me to their barbeque after they close to meet their family and say thank you for helping them buy their home. I want to be known as the knowledgeable guy they can trust with their family’s biggest investment.”

Away from the office, Jeff loves spending time with his wife of 28 years (Vicki) and his 4 teenage sons.

In his few moments of spare time, you’ll usually find him on the golf course, baseball field, hunting, fishing or at the beach.

There is a saying among the sales agents in Orange County: “If Jeff Hatz can’t do it, nobody can do it.” That’s because Jeff is known for his unparalleled knowledge of lending guidelines and his genius for packaging loans. He is often the go-to guy that builders rely upon when transactions fall out with other lenders. “For me, tough loans are like puzzles, and I cannot walk away before it’s done. It’s a challenge. Builders trust me to figure out if a loan can work, identify the problems, decide if it can be fixed, and then give them solutions and a time frame for closing. I love being the hero in that situation!”

Jeff Hatz loanDepot® 30448 Rancho Viejo Rd., Ste. 250 San Juan Capistrano, CA 92675 Tel: 949-939-0096 Email: jhatz@loandepot.com Web: www.loandepot.com/jhatz NMLS ID 301988

Rates, terms, and availability of programs are subject to change without notice. loanDepot.com, LLC NMLS ID 174457. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040.

ExecutiveAgent Magazine

“Salespeople cultivate customers through prospecting and referrals; they convert customers into clients by establishing and maintaining a relationship that allows them to build a sense of trust.�

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ExecutiveAgent Magazine

T

imes are tough – but as an old adage reminds us, “when the going gets tough, the tough get going.” In business, a good salesperson knows how to ride economic waves. They know exactly how to take a group of leads and build them into a loyal base of customers and clientele who return time and again for products and services; who bring in referrals; and who increase the potential to close a sale by as much as 500%.

A Positive Mindset Generates Positive Actions Most salespeople are driven by commissions. So imagine if they viewed every person they encountered as a prospective client. Merriam-Webster’s Dictionary defines client as “a person who pays a professional person or organization for products and services, a person who engages the professional advice or services of another, and one that is under the protection of another.”

If salespeople viewed every person they met as a client – someone under their care who seeks professional advice and products or services – the potential for sales would increase dramatically. This seemingly simple change in mindset and attitudes makes a world of difference in sales, commissions, and profits.

Creating a mindset that perceives every individual who comes into a business as a client is one of the first steps in driving sales and increasing commissions and profits.

However, it is a proven fact that when a client comes into a business and specifically asks for a particular salesperson, the closing percentage skyrockets. To achieve this, salespeople must know how to prospect.

Prospecting – Reviving A Lost Art Prospecting has three primary results: an appointment for an immediate sale; referrals to new prospects actively looking to buy, and creating future prospects. Successful prospectors know that while there are many approaches, the best methods are in-person (personal), telephone, and written communication.

Yet today, most salespeople don’t have the first idea about how to prospect successfully.

This is where managers, as the coaches and leaders, come in. The first step is to focus the team on the overall goal – changing the variables they control, beginning with driving traffic – and then to change their mindset.

Develop a game plan and create opportunities for the team to practice, play and win. It’s like Vince Lombardi says, “Practice does not make perfect. Only perfect practice makes perfect.”

• The importance of team. Think of a professional football team. They practice for hours at least five days a week to play a single, one-hour game. The team who wins is not always the biggest, fastest, or best, but the one who goes in with a well-rehearsed game plan and then executes it. Practice, Play, and Win. • Change the mindset. Teach the team to prospect – 24 hours a day, 7 days a week, and yes even in your sleep.

Take them out into the field and train them. Then be sure the team views each individual who enters the business as a customer with the ability and intent to purchase.

• Assign a dollar value to each customer. Every potential customer who comes to the business has the power to increase your paycheck along with the company’s gross.

Salespeople cultivate customers through prospecting and referrals; they convert customers into clients by establishing and maintaining a relationship that allows them to build a sense of trust. It’s this trust that allows clients to rely on the salesperson for advice, and allows the salesperson to secure more referrals and sales.

The bottom line is, prospect, prospect, prospect – every single day, not just when the business is bad or down.

Prospecting needs to become an automatic reflex, like breathing, an act that happens successfully and continuously.

With a positive mindset, a view toward the future, and the right training, salespeople will understand the need and will continue to prospect for opportunities and loyal clientele, regardless of how business is doing.

Richard F. Libin is the author of the book, Who Stopped the Sale? and president of APB-Automotive Profit Builders, Inc., a firm with more than 43 years experience working with both sales and service on customer satisfaction and maximizing gross profits through personnel development and technology. He can be reached at rlibin@apb.cc or 508626-9200 or www.apb.cc. (www.whostoppedthesale.com)

ExecutiveAgent Magazine

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HISPANIC REAL ESTATE'S MOST

Nominations must be received

by February 28, 2019!

HELPING MILITARY & VETERAN

FAMILIES REALIZE THE

AMERICAN DREAM! 2,600 + VETERANS

EDUCATED ABOUT HOMEOWNERSHIP

1,500 + FAMILIES

WHO WE ARE Established in 2011, the USA Homeownership Foundation, Inc. DBA Veterans Association of Real Estate Professionals (VAREP), is a nonprofit 501(c)(3) organization dedicated to increasing sustainable homeownership, financial-literacy education, VA loan awareness, and economic opportunity for the active-military and veteran communities.

WERE HELPED THROUGH VAREP CARES

750 VETERANS PLACED IN HOMES THROUGH OUR PROGRAMS

UPCOMING LOCAL VAREP EVENT VAREP Orange County - Golf Tournament September 14, 2018 Tustin Ranch Golf Course 12442 Tustin Ranch Rd, Tustin, CA 92782

66 HOUSING SUMMITS TO EMPOWER VETERAN HOMEOWNERSHIP

WHO CAN JOIN? Any individual regardless if you have served or not. VAREP and its members represent and work within all sectors of the real estate, housing and financial services industries...

WE WANT YOU!

VAREP San Bernardino - Veterans Housing Summit Saturday · September 22, 2018 Check In 8:00AM Event 9:00AM - 2:00PM Ontario Chamber Of Commerce Education Training Room 3200 Inland Empire Blvd., Ste 130 Ontario, CA 91764 VAREP San Diego - Golf Tournament September 26, 2018 Riverwalk Golf Club 1150 Fashion Valley Road · San Diego CA 92108 View the full VAREP Events Calendar at:

https://varep.net/eventsfront/advocacy

info@VAREP.net | w w w .VAR E P. n e t | 951-444-7363 VAREP IS A 501.C.3 NON-PROFIT ORGANIZATION AND YOUR CONTRIBUTION IS TAX DEDUCTIBLE. USA HOMEOWNERSHIP DBA VETERANS ASSOCIATION OF REAL ESTATE PROFESSIONALS TAX ID: 45-2458485

Achieving Relationship Excellence

A

s a real estate agent, your success depends on the quality and durability of the relationships you build with your clients, and the one and only way to build solid, enduring relationships is to deliver excellent, unrivaled service. To be an outstanding agent you need to lavish your clients with service that exceeds their expectations -- from the get-go and throughout a long business relationship.

The challenge is that not all clients expect or want the same kind of service. What constitutes excellent service to one client might seem inadequate or even like overkill to another.

It seems hard to imagine, but an agent could sell a client’s home in less than a week, at full price, and still have a dissatisfied customer. This could be due to some action or oversight during the negotiation, inspection, or closing process that simply didn’t match with the client’s service expectations.

To avoid service mismatches, learn each person’s service expectations by doing something that few agents take time to do: Ask.

Then put your findings to work by following these steps: • Learn each person’s service expectations.

Before you enter a new prospect presentation, make it a rule to learn everything you can about what your prospects are looking for in an agent and how they define their excellent service.

• Customize and personalize your service delivery. In your initial presentation and in subsequent contacts -- whether you’re working to make the sale, service the client, build an after-the-sale relationship, or request a referral -- refer to your initial research and highlight the service aspects that each client finds important. Weave in the words you heard them use to define great service. Highlight the communication points they described as essential service attributes.

Let them know that you understand their needs and are focused on exceeding their expectations.

• Never get complacent. Don’t assume that, if your service falls a bit short, your best clients will simply turn a blind eye. And, by all means, don’t think 32

that if your clients want more or better service they will say something to you. They won’t, because they don’t want the confrontation. They’d rather just go away quietly and never come back.

I’ve met agents who are successful in spite of their “my way or the highway” approach to service delivery. Rather than focusing on customized service and long-term relationships, these agents prefer to serve a stream of “here today, gone tomorrow” clients that they acquire through relentless prospecting and high-volume lead development. These agents have a take-it-or-leave-it attitude about service. They practice what I call a fast-food hamburger joint philosophy: “We sell hamburgers and fries, and if you don’t like hamburgers and fries, pick another restaurant.” The difference, of course, is that the number of people who want hamburgers and fries is huge, and, if the fare is good, most customers automatically come back for more. The same is hardly true when it comes to homebuyers and sellers.

As an agent, your prospect universe is limited, and your customers aren’t apt to become repeat customers unless they are treated with the kind of unparalleled, consistent, and customized service that turns them into clients for life.

Dirk Zeller, President of Real Estate Champions, is recognized as the premier coach for the real estate industry. He has developed a system that takes “regular” agents and “regular” managers and transforms them into “top gun” agents and managers.

Dirk’s coaching systems are built around his incredible success in the 90’s as one of the top agents in all of North America. He closed over 150 transactions annually while working Monday through Thursday and taking Friday, Saturday & Sunday off. Copyright© 2000-2001, Dirk Zeller. All rights reserved. To contact Dirk about his availability to speak to your group, please call the Frog Pond Group at 800-704-FROG (3764) or email susie@frogpondgroup.com; http:// www.frogpondgroup.com.

ExecutiveAgent Magazine

ExecutiveAgent Magazine

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Our bone marrow transplant reunion is now standing room only.

Each year, City of Hope invites bone marrow transplant recipients and their families to attend the “Celebration of Life” event. It’s a joyous time during which survivors of blood cancers such as lymphoma, leukemia and myeloma embrace their health, their life and each other. It began more than 35 years ago when City of Hope created what is now one of the largest and most successful bone marrow transplant programs in the world. In fact, we’ve completed over 11,000 transplants and, according to national reports, our outcomes are among the best in the nation. The goal of curing cancer isn’t just something we work at. It’s what we live for.

If you have cancer, make us your first call. Or ask your doctor for a referral. We accept most insurance.

800-826-HOPE

COH-0726_BMT_Hem_fp_4c_ExecAgt.indd 1

WE LIVE TO CURE CANCER. Science saving lives. cityofhope.org/bmt

11/25/13 6:02 PM

Contact us today for more information about this exciting program!

Finance of America Mortgage Newport Beach NMLS ID-1071

o: (949) 398-3650 f: (949) 502-3765 npbmarketing@financeofamerica.com FOAmortgage.com/NewportBeach

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• Escrow processing just got easier • Easy to read summary page including vesting, file number, form of policy and property type • Upload/Return documents through our SECURE Smart Portal • Exceptions are highlighted so the real estate professional knows what is sensitive on the file • Quick link to Documents, Property Taxes, Supplements, Water Rights, Easements, CC&R’s, Grant Deed, Deed of Trust and more • Quick Share feature allows recipients to send the LiveLook to others • Option to sign up for file updates • Provides access to Request CPL, Request Proposed Insured, Order Update and Blank Forms • Realtors can order Property Profiles and FARMS from the system

1500 Quail Street 3rd Floor • Newport Beach • CA 92660 Office phone: 714.289.3300 or 877.888.2842 ticoroc.com • ticortitleblog.com • ticorcommercial.com • ticorhospitality.com © 2018 Ticor Title Company