EXECUTIVEAGENT MAGAZINE
Fidel Delgadillo Executive Agent of the Month
Inside Features: Mario De La Mora loanDepot®
Crystal Unrue Divergent Realty
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A DYNAMIC LENDER MAKES FOR A HAPPY BORROWER The user experience is a key factor when applying for a mortgage. Reducing the time it takes to complete the loan process and enhancing the overall experience is what differentiates one lender over another. That’s why loanDepot developed mello™ – an easy-to-use web app that allows our customers to take control of their mortgage journey. TM
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Communicate with an easy-to-use web application
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FOCUS ON THE USER EXPERIENCE IS ONE OF THE DRIVERS WE CONTINUALLY KEEP IN MIND AS WE CREATE NEW FEATURES IN OUR TECHNOLOGY SOLUTIONS. Ontario Branch
Riverside Branch
Ontario, CA 91761
Riverside, CA 92505
Temecula Branch
San Juan Capistrano Branch
Richard Hedrick FOCUS ON THE USER EXPERIENCE IS ONE OF THE DRIVERS WE CONTINUALLY KEEP MIND AS WE CREATE NEW (909) 912-7810 (909)IN 912-7835 NMLS#1059650 FEATURES IN OUR TECHNOLOGY SOLUTIONS. 3281 E Guasti Rd, Suite 550 11801 Pierce Street, Suite 200 Branch Manager (909) 912-7835 office (714) 400-2753 cell 21804 Cactus Ave, Suite 102 Riverside, CA 92518 rhedrick@loanDepot.com www.loanDepot.com/rhedrick
(951) 375-4800 41607 Margarita Rd, Suite 101 Temecula, CA 92591
(949) 799-3050 30448 Rancho Viejo Rd, Suite 250 San Juan Capistrano, CA 92675
loanDepot.com, LLC NMLS ID 174457. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040. (082218 118995)
EXECUTIVE AGENT OF THE MONTH
Fidel Delgadillo Century 21 King
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Inside Features
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Mario De La Mora
Crystal Unrue
loanDepotÂŽ
Divergent Realty ExecutiveAgent Magazine
INLAND EMPIRE - JANUARY, 2019
Editorials
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Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 297-8323 Fax: (949) 266-8757 FArrias45@gmail.com www.ExecutiveAgentMagazine.com
Charisma: What Is It? What Will It Do for You? -Tony Alessandra
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ADVERTISERS’ INDEX
When It’s Time For A Home Office -Nancy Michaels
City of Hope..........................................................34 Finance of America Mortgage........................24 & 36 iPhotography Studio...............................................23 Kinecta Federal Credit Union................................29
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loanDepot®..............................................................2
Life Is Time...Make It Count! -Sue Pistone
NAHREP...........................................................................14 PWAOR.............................................................................28
The Termite Guy......................................................3 VAREP.....................................................................15
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Embracing Adversity For Achievement -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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Yesterday’s Impossibles -Zig Ziglar
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E XECUTIVE AGENT
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Mario De La Mora Written by Haley Freeman
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ario De La Mora brings worldclass customer service and over 16 years of comprehensive industry experience to the nation’s most innovative mortgage lending company, loanDepot. Having excelled in both sales and management, Mario is excited about leveraging the unique array of tools available at loanDepot to help his clients and business partners reach their goals. An Ontario native, Mario took his first job at Nordstrom. While still in high school, he received the company’s legendary customer service training. Mario’s skill was such that at a young age, he was assigned to help open two new Nordstrom stores, one in Ohio and one in Arizona. Along the way, Mario held many different positions within the company, from shipping and receiving, to sales, to management. “A lot of who I am today stems from my experience at Nordstrom,” he says. “It made me the person I am as far as really taking care of people and understanding their situations.” When Mario returned home to Ontario, he was ready for new challenges. He followed the lead of his mother, a longtime Realtor®, and began working as a junior account executive for a title company. He applied his well-honed customer service skills to
developing relationships with Realtors® and helping them acquire business. As he continued to advance in the industry, he found that his true passion lay in originating home loans.
ExecutiveAgent Magazine
Relationship-Focused Lending After 11 years as in-house lender at a local real estate company, Mario joined loanDepot, where his attention is focused on building and maintaining relationships. With a phenomenal production and marketing team behind him, Mario is free to spend his time counseling borrowers through the loan process and helping real estate partners develop business. “Relationships mean a lot to me, and I don’t take them for granted. loanDepot is structured in a way that I can be more available to clients and agents.” Mario’s lending experience spans traditional home loans, investor loans, commercial and construction loans, reverse mortgages and refinance loans. His versatility as a lending professional means he can provide sound advice to everyone from first-time buyers to sophisticated investors. “Structuring loans has always been fun for me,” he says. “I enjoy figuring out what is the best scenario for a buyer. I love to find out that ‘why.’ The thought process has always intrigued me, and understanding that process helps me provide the best possible service.”
continue following up with clients. We provide social marketing, digital marketing and print media, and we can do all kinds of support for open houses, like a digital sign-in book that feeds directly into a CRM we provide. It’s so important to have a system that prompts you to reach out to people to follow up. We use Total Expert as our CRM, and once the agent creates an account, loanDepot has proprietary marketing tools that are available through the system. Agents don’t have to worry about marketing compliance — it’s built in, so the experience is seamless. The tools we provide synchronize everything, so loan consultants can remain involved and work with the agents and clients as a team.” Mario says he has been re-energized by his move to loanDepot, where the client-focused culture and forward-thinking systems make the process of getting a home loan easier than it has ever been before. “It allows me to focus on the reason I do this, which is to get out and meet more people and help them become homeowners.”
Honest communication is a hallmark of Mario’s service. “My mom and her friends always told me their biggest complaint with lenders is that they never return phone calls. I make it a point to return phone calls by the end of the day, and if it’s too late, I do it first thing in the morning. Text and email are great, but nothing will ever beat a phone call.”
Mario De La Mora loanDepot® 3281 E. Guasti Rd., Ste. 550 Ontario, CA 91761 Tel: 909.993.2388 Email: MDelamora@loandepot.com Web: www.loandepot.com NMLS ID 238707
With five loan processors, three production assistants and a dedicated marketing team, Mario is well-equipped to move loans through escrow seamlessly, while also helping his real estate partners cultivate new business. “We have so many tools available to help Realtors® market themselves and
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
Yesterday’s Impossibles remember the media coverage which accompanied Sir Edmund Hillary’s feat of being the first person to scale Mt. Everest. He became an instant celebrity, even though he had failed in his first effort and left five of his guides dead on the mountainside. England recognized Sid Edmund Hillary’s tremendous effort by giving him the highest honor awarded a foreigner. Years later he was back in the headlines when his son climbed to the peak of Mt. Everest and a radio-phone conversation was held between father and son
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that record and extended that streak to make it even more “impossible.” Another record considered unbreakable was the number of hits Ty Cobb had gotten, but several years ago Pete Rose broke that “unbreakable” record. Today 12-year-old girls are swimming faster than Johnny Weismuller swam when he was the Olympic Gold Medal winner. Most of us get excited when we read about superhuman achievements, but something that is much more important is when we break our own personal best records for accomplishments.
Today, according to the government of Nepal, it’s very common for climbers to reach the peak of Mt. Everest. As a matter of fact, a one-day record of 37 people reaching the summit of Mt. Everest has been reported. Seven teams arrived within a half-hour period and created a climber’s traffic jam. Yes, yesterday’s impossibles often become tomorrow’s standards. On September 6, 1995, one of the world’s “unbreakable” records was broken. I speak of the “Iron Man” stunt of Lou Gehrig, who played in 2,130 consecutive baseball games. Gehrig’s record was thought to be unbreakable, but Cal Ripken broke
Achieving better grades, a better work record, a better record of “being nice,” and a host of other records will make you a better person in the most important game of all - the game of life. Think about it - give it your best shot - break your own personal records and you will be AT THE TOP!
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Zig Ziglar was known as America’s Motivator. He authored 32 books and produced numerous training programs. He will be remembered as a man who lived out his faith daily.
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E XECUTIVE AGENT
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Written by Haley Freeman
Crystal Unrue
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rystal Unrue is a top-producing RealtorÂŽ with a passion for helping others. Her first career in insurance management and healthcare education was a natural fit for her strong organizational
skills and compassion for people. Those same skills have made her successful in real estate, where she is committed to providing first-class service with a human connection.
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The Human Connection “I prefer to focus on helping families versus the number of units I sell,” she says. “Authenticity and integrity are the values I focus on as an agent. I love to have fun and build relationships with my clients, and most turn into friends. A quote I like to say is, ‘Communication is the human connection.’ It truly is, and I put it into practice by educating my clients about the whole process and maintaining communication through every step. It’s my job to take on all the worries and protect their interests so they can have a stress-free real estate experience.”
on the MLS. Everything is professional and syndicated to real estate platforms like Redfin and Zillow. We also advertise listings in the newspaper. Believe it or not, old school methods still work! Video is also becoming a huge thing in the industry, so we are doing lifestyle videos and paying models to be a part of that. We like to think outside the box and find things that grab people’s attention. We just had a Kona Ice truck at an open house last weekend. It was a fun and simple way of attracting people to stop by on a hot day.”
Crystal’s five-star client reviews are evidence that she is delivering what she promises. A recent buyer said: “Crystal was amazing! She helped us buy our first dream home and made the process extremely smooth! She definitely knows what she’s doing. She was very reliable, personable, and knowledgeable. She was always available to answer our questions at any time of the day and kept us informed on what was going on the entire process. I would highly recommend her to anyone who is looking to buy a home! Thank you Crystal!”
Crystal sends monthly newsletters to neighborhoods throughout Corona, and she looks for occasions to promote small businesses in the area by offering discounts to local residents. “I like to send things that people can use, like coupons for ice cream. It keeps things fun and light, and creates an opportunity to network with the community.”
Another stated: “Crystal took lots of time to get to know me and what I was looking for. She delivered! I couldn’t be happier with my new condo. She walked me through everything from start to finish, with the mortgage company, escrow and finally was there with a huge smile when she delivered my keys. Our relationship went from client to a solid friendship. I highly recommend Crystal for your real estate needs.” Crystal joined boutique Divergent Realty at its inception in 2017, and as part of this close-knit and professional office, she enjoys working as a solo agent with the support of her trusted colleagues. “I met our broker, Jackie Soto, a few years ago when our kids played sports together. I’ve been here since day one, and we work closely together. She is very empowering, and the special bond we all have helps us to provide exceptional service to our clients.” Finding new ways to add value to clients is a big part of the culture at Divergent. “We are huge on marketing. It’s one of the top things we focus on. We’re not just taking pictures with our cell phones and putting them
A lifetime resident of the Inland Empire, Crystal is a wife and mother of two who enjoys spending time outdoors with her family. She loves the community where she grew up and finds satisfaction in helping others make their home there. Crystal begins each day with a renewed dedication to succeed. “When I first started in real estate, somebody told me that I’d wake up every day without a job. Every morning, that’s what I tell myself. It pushes me harder knowing that I have to prove myself every day. Every day it’s my choice and responsibility to go out and take care of people who are relying on me to help them through the biggest transaction of their lives.” Crystal Unrue Divergent Realty 14241 Fern Ave., Suite A Chino, CA 91710 Tel: 909.373.6073 Email: crystalsellssocal@gmail.com Web: www.CrystalUnrue.com CalBRE #02031370
ExecutiveAgent Magazine
Charisma: What Is It? What Will It Do For You?
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harisma is easy to spot but hard to describe. Nailing down a definition is like trying to define America. And the effort is made more frustrating because we all tend to overuse the term, lavishing it indiscriminately oninsolent athletes, glamorous film stars, and fanatic cultists, as well as on genuinely enchanting and inspirational personalities like, say, John F. Kennedy, Dr. Martin Luther King, Jr. and Princess Diana. Here’s my definition: Charisma is the ability to influence others positively by connecting with them physically, emotionally, and intellectually. I’m convinced that, popular wisdom to the contrary, charisma is not in your genes-and it’s not beyond your grasp. You already have charisma, but it’s not configured the same way in you as it is in the person next to you. Think of it this way: Each of our personalities consists, let’s say, of a series of containers, like cups or glasses. If all the glasses were filled to the top, you’d be so charismatic people would think you were a god-and you’d probably think so, too. Some really, really gifted people
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may come close to this ideal. But, for most of us, some of the glasses are nearly empty, some brimming, yet others are partially filled to varying degrees. Together they constitute our charisma, or at least our potential charisma. Still, I’ve wanted to be able to describe charisma more concretely. So I’ve thought a lot about it, done applied research and formed some opinions. I’ve also studied the literature, going back decades, and compared the conclusions of scholars with my own observations. Though the results may not be strictly scientific, I’ve sought to reduce charisma to its bedrock. What I’ve come up with are seven qualities that I’m convinced are at its core. Here’s how I see those seven main components of charisma-or, the “glasses,” if you will: • Your silent messages. You make a statement about yourself even before you open your mouth. This is your “silent message.” It’s the way you carry yourself, physically, emotionally, and intellectually.
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• Your ability to speak well. You may have a terrific idea, but who will know if you can’t articulate it? • Your listening skills. Rarely taught and infrequently practiced, listening is nonetheless a key to communicating and making others feel special in your presence. • Your persuasiveness. This is your skill at motivating others to follow your lead or adopt your idea. No idea, however great, ever gets anywhere until it’s adopted. • Your time and territory smarts. How you honor or violate another person’s personal space and time will affect the amount of tension or trust between you. • Your adaptability. Building bridges to others is impossible without understanding how to treat others the way they would like to be treated. • Your vision. What do you feel passionately about? What do you care really deeply about? Whatever your objective, you’ll never influence anyone to change their ideas or take action if you don’t feel strongly about it yourself.
And the wonderful thing about charisma is that it makes you powerful without making others less so. That’s because the kind of power I’m talking about is personal power, rather than position power, the kind of power that doesn’t take power away from others, but gives you and them the power to achieve favorable outcomes. The potential to be more charismatic is within you. And the payoff for doing so has never been higher. 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 800-704-FROG (3764) or email susie@frogpondgroup.com.
You can apply these seven elements of charisma to your personal life, your job, or in any setting where the ability to influence others positively is beneficial.
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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:
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Cover Story
Fidel Delgadillo Executive Agent of the Month
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Fidel Delgadillo “Helping People With Their Big Dream” Written by Haley Freeman - Ian Wiant Photographer
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he American Dream of home ownership figures prominently in Fidel Delgadillo’s family narrative. “When my dad came here from Mexico, he didn’t really have anything,” Fidel recalls. “He followed the American Dream and came out here for a better life. As a child he would always tell me, ‘Mijo, always save your money and be ready to buy a house as soon as possible. Prices go up, and there’s only so much inventory. Everyone wants to come to this state because it is a great place. As soon as you can, buy a house.’ That stuck with me.” Fidel received further prompting from his high school sweetheart, Gabby, who later became his wife. “When we started dating, she had the same values as my dad. She said, ‘If you’re serious about marrying me, you have to have a house for me.’”
As a young man, Fidel lived at home, worked for a local bank, and saved his money. When he was only 21, he and his future in-laws invested together in a fixer-upper in Rialto. “It was a lime green house that stood out in the whole neighborhood. It needed lots of work, but I didn’t care. It was a house. I didn’t know anything about how to fix houses. I would go to Home Depot and ask questions, and that house taught me so much.” Eventually, Fidel and Gabby married and started their family in that same house. Later, they used the equity from the property to help finance their four-bedroom dream home on a half-acre lot with a swimming pool. Such is the power of real estate to make dreams come true.
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A Purveyor of Dreams Fidel enjoyed a successful first career as a service-sales rep for a medical distribution company, but real estate was never far from his mind. When the company he worked for restructured and gave him the choice to either transfer or take a severance package, Fidel realized it was the opportunity he had been waiting for. “Even though I always thought I’d be good at real estate, I had a decent job that provided for my family, and I didn’t want to risk that. But the severance gave me the reserves I needed to get my foot in the door. I passed the real estate exam on the first shot, and by the time I got my license, I was ready to go.”
Fidel began working with a high-volume team of listing agents, fielding 40-plus phone calls from potential buyers each day. He opened his first transaction only three weeks later, and he has never had a dry month since. “I didn’t really know the business yet, but when people called about a property, I made a point of going to meet them in person and showing it to them. My goal was to meet as many people as I could face-to-face. I didn’t always know what to say or how to answer a question, but it was the best school I could have received. I was able to build my craft and learn how to listen and deliver.”
ExecutiveAgent Magazine
After a few years, Fidel joined Century 21 King, where he has built a thriving real estate practice representing both buyers and sellers. His ability to listen closely to the needs and desires of his clients has helped him build a large community of repeat and referral clientele over the past 12 years. “I don’t consider myself a sales person at all. I have a lot of empathy for people, and I understand them. When clients speak, they are trying to tell you something important, so it’s my job to zip it and listen. I also like to share stories of my own life with them. As they’re making one of the biggest decisions of their lives, they need to know who I am, too.” Fidel is one of the rare top-producing agents who works strictly solo, without an assistant or transaction coordinator. He believes that when clients hire him, they should get him, and that for him to be an effective client advocate, he must be hands-on at every stage of the transaction. “I made the decision early on to try to manage my own trans-
actions as much as I can. I think it’s important because I need to know exactly where each transaction is and what is needed. Once you open escrow, it’s only half the battle. You have to make sure everything goes smoothly right to the end. There are going to be bumps in the road, and you can’t just manage that by having an assistant making a call. It needs to be handled by me.” By being present for inspections and appraisals, Fidel is able to avert problems and save his clients money. “I like meeting the appraiser and getting a good rapport, making sure they understand the full value of the house. Appraisals are subjective, and if it comes in just $10,000 below market, a lot of hard work can go down the drain. I make the extra effort up front to do my homework and meet them so we can talk about the attributes of the house. I’m not there to tell them how to do their job, but to make sure they don’t miss things that could make a difference.”
ExecutiveAgent Magazine
Fidel also cultivates positive working relationships with other Realtors®. “The client is the most important person in any transaction, but I don’t take lightly the relationship between agents. We’re going to be a team. When we open escrow, we’re going to close it together. We need to be able to work through any problems that come up and make it work for everyone. There’s no reason an escrow should fall out when both parties are working toward the same goal.” Looking back on his happy 25-year marriage and successful real estate career, Fidel gives due credit to Gabby for her ongoing commitment and support. “We are so blessed that our three kids, Sabrina, Anthony and Joseph, are all super smart and goal-driven. We made the decision early on that Gabby would stay home for the majority of the kids’
school careers, and I think that helped my business, too, since I was the sole provider. She has always been there to push them and me to be successful. I couldn’t have done it without her support.” By helping other families achieve the American Dream, Fidel is paying forward the legacy begun by his father. “I think about him every day. He was my best friend, next to my wife, and this is a way of keeping his memory going. I’m so thankful I had a mom and dad to guide me as to what it means to own something that no one else can take away from you. My success comes from the passion I have for helping people with this big dream.”
ExecutiveAgent Magazine
Fidel Delgadillo
Century 21 King - 8338 Day Creek Blvd., Rancho Cucamonga, CA 91739 Tel: 909.440.0089 - Email: Fidel@DelgadilloRealtyGroup.com Web: https://fideldelgadillo.c21.com - CalBRE # 01761945 ExecutiveAgent Magazine
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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Life is Time‌ Make it Count!
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ExecutiveAgent Magazine
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ife is time… are you making it count? If your daily activities are taking you in the direction of your dreams then you are making it count. If you are living your life on purpose then you are making it count. To make your life count, you must live on purpose. Otherwise, you are living someone else’s dreams and goals. Have you thought about what you want out of life and how you will make it happen? Follow this simple and easy process to determine your life’s dreams. Each and every day evaluate what you are doing and how it will help you accomplish what you really want out of life. There is no dress rehearsal in life; this is the real thing. Today is the day and now is the time to begin your journey to success. Begin by taking the time to learn more about yourself. Set aside approximately four hours to complete the following personal and professional strategic planning guide. One key point to remember is the definition of success is determined by you. Enjoy your journey! 1. Strengths - list at least twenty of your strengths 2. Successes- go back as early as you can in childhood and write down all of the successes you have had in life 3. Learning Experiences - write down all of learning experiences you have had throughout life and why you are better because of them 4. Purpose in: a. life - what is your bottom line reason for living b. career -- what is your bottom line reason for working 5. Mission in: a. life - what is the talk you walk b. career - what is the talk you walk Now relax--close your eyes and go on a mental journey. You are in a movie theater looking at the big white screen. The movie begins and the title is, “The Life of___________________________,” and it’s your name. Yes, this is the movie of your life. It is the last day of your life and you will hear what people say about you as you leave this world. The words you hear will confirm that you did, indeed live your life with your purpose in mind. You will see all the places you went, things you did, material possessions you had and the person you became.
Remember when viewing the movie of your life you are only limited by your own imagination. Also, only look inside yourself for your dreams, remove all the “ought to’s” and “should have’s” from your mind. This movie it is unusual because it begins on the last day of your life and ends today. The day you are creating your dreams. You see, your experiences up to this day have already happened and can not be changed; however the future is yours to create. Watch your movie and when you finish write down those accomplishments on your dream list. Break your dream list into the following categories: a. personal dreams - what you do just for you b. family dreams c. career dreams d. financial dreams e. social dreams f. health dreams g. spiritual dreams Now that you have allowed yourself to dream, you have the ideas and thoughts needed to set your goals. The most important thing to consider at this time is your purpose in life. This will enable you to avoid major conflicts in the different areas within which you work and live. Before actually setting your goals you need to determine if they are prioritized, realistic, long term, or short term. The final step in setting your goals is that you must be willing to put your goals in writing -- IN PEN! It make them a little harder to erase this way. Life is time… and now you too can make it count. Success is determined by you. Follow the steps I have given you and enjoy the success you deserve! Sue Pistone is expert at eliminating the daily disorganization that often keeps individuals and companies from achieving the success they deserve. For more information regarding Sue Pistone’s speeches, contact the FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com. Copyright© 2002, Sue Pistone. All right reserved.
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THE MOST EFFECTIVE ADVOCATE FOR PROPERTY RIGHTS
The area’s only Triple Crown & President’s Cup Award Recipient presented by the National Association of REALTORS®
THE BIGGEST SELECTION OF FREE REAL ESTATE CLASSES
Learn to be more productive, professional, & profitable! Classes at our Anaheim & Long Beach locations
NETWORKING EVENTS THAT GIVE BACK TO THE HOMEBUYING COMMUNITY
The largest REALTOR® store in the area for all your real estate needs
FREE PWR MOBILE APP & TECHNOLOGY TOOLS
The only association in the area with its own Mobile App
“SINGLE SIGN-ON” ACCESS
Direct access to REALTOR® Tools (Matrix MLS, RPR, & PWReports)
SERVICES MORE REALTORS® THAN ANY OTHER LOCAL ASSOCIATION IN THE STATE OF CALIFORNIA NEW FOR PWR BROKERS: YOUR OWN BROKER RELATIONS REPRESENTATIVE Your personal liaison to help you better leverage PWR’s benefits
Proceeds from the Golf and Wine Tasting events fund our PWR Charity Foundation grants for First Time Homebuyers & Military Personnel (YOUR clients!)
DEDICATED MEMBER SERVICE
PWR is the only association with an in-house Call Center to provide prompt, individualized service
PACIFIC WEST ASSOCIATION OF REALTORS® Serving Orange County & Los Angeles County ORANGE COUNTY: 1601 East Orangewood Avenue, Anaheim LA COUNTY: 5000 East Spring St., Suite #110, Long Beach (714) 245-5500 • 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
When It’s Time For A Home Office
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o, you’re tired of clearing your papers off the dining room table every time someone wants to eat (how dare they!). And you’re still recovering from the business call you were forced to take that time your 5-year-old pressed the phone into your hand just as you stepped from the shower (it’s amazing how professional one can sound while wrapped in a towel and dripping wet). Sounds like it’s time for a home office.
Ideally, you’ll have a spare room to turn into office space - preferably one with a locking door. An extra bedroom, the basement, or attic can all serve this purpose. If you don’t have room for a dedicated office, take a look around your house to see where you can carve yourself some space. A closet, bedroom corner, hallway alcove or even the area under a stairway can all be converted fairly easily for this purpose. Use bookcases, filing cabinets, plants, screens, even lighting to define your work space. It’s essential that you remain committed to your space as office space. Without this psychological distinction between home and work, the two areas of your life may slide into one another, causing you to lose focus, and thus, productivity. Choose furnishings that are ergonomically correct, and which fit in with the decor of the rest of your home. Lighting should come from three sources: natural, ambient and direct. Give yourself enough storage space to keep your work area uncluttered. You may want to store your supplies in another part of the house, keeping just a week’s worth in your office. And schedule a weekly or biweekly cleanup where you go through your papers and files and either throw away or stow away anything that is not essential to the daily operation of your business. Almost every business requires a computer system. Don’t skimp. You want something with enough speed and memory capacity to last into the future. A good-quality inkjet, or preferably, a laser printer is also essential. Investigate the all-in-one printer, fax, copier and scanners. These may save you money as well as precious office space. I also recommend a computer backup system, which will protect the contents of your hard drive in the event of a power failure. An uninterruptable power source supply is also a must for the home office. This will keep your computer running during a power outage until you’re able to safely shut it down. 30
Another essential component of the home office is telecommunications, meaning telephone, fax and Internet access. An account through an Internet service provider or online service shouldn’t cost more than $20 per month and it will give you the ability to send and receive e-mail. You’ll probably want more than one phone line, three if you’re using one line for a fax and modem hookup. It’s wise to invest in a business line, which allows you to list your business name and number in the phone book and with directory assistance. To keep costs down, use that line for incoming calls only. If you don’t want the expense of a business line, but can do without a repeat of the shower scene, order “distinct ring” service from your phone company. This is a separate phone number which rings into your home line, but sounds different from your normal ring. This alerts you and family members to incoming business calls. If you’re dishing up dinner or washing the dog, you’ll know to let your answering machine, or better yet, your electronic voice mail system, grab the call. If you’re in the shower, hopefully your 5-year-old will know to do the same. You may also want to order “call answering” from your phone company. It’s just a few dollars a month and sounds more professional than an answering machine, and which won’t break down while you’re on vacation. A home office can either improve productivity, or harm it. You may find yourself doing paperwork at 2 a.m. when you should be sleeping, or flipping to General Hospital at 3 p.m. when you should be working. It’s helpful to treat your home office as you would an outside office, complete with “starting” and “quitting” times. This will help you stay focused, organized, and productive. And your family will appreciate having their dining room table back. Nancy Michaels, of Impression Impact, works with companies that want to reach the small business community and with small business owners who want to sell more products and services. Copyright© 2005, Nancy Michaels. All rights reserved. For information, contact Frog Pond at 800.704.FROG(3764) or email Susiefrogpond.com; http:// www.frogpond.com
ExecutiveAgent Magazine
Written By Nancy Michaels ExecutiveAgent Magazine
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Embracing Adversity For Achievement “Show me someone who has done something worthwhile, and I’ll show you someone who has overcome adversity.” Lou Holtz
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ExecutiveAgent Magazine
Written By Chris Widener uccess in life depends upon being strong, people with clear goals and indomitable spirits. Unfortunately, most of us are not born that way. We grow that way. And that growth can either come from us entering willfully into situations that will cause us to grow, like subscribing to Made for Success, or from the way we react when circumstances come upon us without our consent. The latter is what we call adversity.
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Adversity makes us better people with stronger characters. Never underestimate the power of adversity to shape us inwardly. How will courage, discipline and perseverance ever flourish if we are never tested? After adversity, we come out stronger people and able then to use our character and influence in an even greater way to lead those around us and to improve their lives as well as our own.
Most of us spend our lives trying to avoid adversity, and I guess that is just as well. We should not pursue adversity, but when she arrives, we should welcome her as a foe who, though our interaction with her, will make us into better people. Every contact we have with adversity gives us again the opportunity to grow personally and professionally and to forge our character into one that will achieve much later on.
Adversity makes life interesting. John Amatt said, “Without adversity, without change, life is boring.” How true. Have you noticed that while we are in the middle of adversity we only long to get out of it, but we then spend a lifetime recounting it to anyone who will listen? This is because it spices life up a little. Imagine how boring life would be if everything always went well, when there was never a mountain to be climbed.
With that in mind, here are some thoughts on adversity, and how it can help you to succeed in every area of your life and achieve your dreams. Adversity brings out our resources. Horace said “Adversity reveals genius, prosperity conceals it.” When everything is going well, we coast. There is not a lot of stress, and we do not have to draw too much on the resources that reside within us. But when adversity comes we begin to draw upon each and every resource that we have in order to conquer the circumstances at hand. Adversity then, keeps us sharp. It keeps us using our personal muscle, if you will. That is a good thing because we grow through the use of our resources. Adversity brings us together with others. Sure a team can have their problems with each other, but when they on the court, when they experience the adversity of facing another obstacle, they pull together. One for all and all for one, as they say. The next time you experience adversity of some kind, keep your eyes open for how it can bring you together with your family, your co-workers or your team. Then when you are through it, you will find a bond that was created that was not there before.
Here are some questions for you to reflect upon before I close: Q. If you are in the middle of some adversity right now, what resources are you drawing on? Who are you drawing closer to and working with? What part of your character is being tested, and built up? What can you do to view this adversity as one who will be better for it on the other side? Every adversity, every failure, every heartache carries with it the seed of an equal or greater benefit – Napoleon Hill 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.
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
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Meet the
CLAREMONT BRANCH
101 N. Indian Hill Blvd., Suite C-1 207, Claremont, CA 91711 Build a partnership with a direct lender that offers exceptional service.
John J. Reed Branch Manager NMLS-869516
(949) 398-3655
Ryan Prisco
Adrian Andrade
NMLS-987736
NMLS-1382391
(626) 818-1919
(949) 454-4402
Sales Manager
Emmett Colon
Senior Mortgage Advisor
Jennifer Milliken
Senior Mortgage Advisor
Senior Mortgage Advisor
NMLS-1370263
NMLS-971471
(909) 991-4827
(951) 743-4199
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