JANUARY 2019 S. ORANG ECOUNTY

EXECUTIVEAGENT MAGAZINE

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Executive Agent of the Month

INSIDE FEATURES: Tom Luu Nationwide R. E. Executives Ryan Purpero U.S. bank Crystal Unrue Divergent Realty

“Ask About Our Blue Box Marketing”

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Dino Katsiametis 949-720-1616 Dino@cacoastalloans.com

EXECUTIVE AGENT OF THE MONTH

Monica Villalobos RE/MAX Prestige

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Inside Features

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Tom Luu

Ryan Purpero

Crystal Unrue

Nationwide R. E. Executives

U.S. bank

Divergent Realty

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S. ORANGE COUNTY - JANUARY, 2019

Editorials

E XECUTIVE AGENT

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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

California Coastal Loans.......................................2 City of Hope.......................................................34 Finance of America Mortgage........................35 Kinecta Federal Credit Union................................11

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Michelle Fairless Photography..............................23

Life Is Time...Make It Count!

-Sue Pistone

NAHREP..................................................................30 PWAOR.............................................................................10

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

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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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MAGAZINE

Written by Haley Freeman

Tom Luu

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om Luu was working as an engineer in the tech sector when he discovered that sitting at a desk all day was not a fit with his gregarious nature. He made a move from product development to purchasing and procurement, a role that enabled him to step out from behind the desk and connect with people in meaningful ways. He

recalls, “It allowed me to demonstrate my cross-cultural business understanding working with sales, contract negotiations and process improvement, which required me to be meticulous and attentive to every detail while maintaining relationships with people. Looking back, I’m glad I did that, because it’s been very rewarding.”

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Today, Tom brings his extraordinary combination of precision and customer service to his real estate practice at Nationwide Real Estate Executives, a company that was recognized by “Inc. Magazine” as the number one fastest growing real estate brokerage in California in 2018, and one of the fastest-growing real estate organizations in America for the last three consecutive years. “I chose them because of their family-oriented culture and the commitment they give to agents. We are a young, thriving company that is always looking to reinvent real estate, and the company is investing in technology and training so we can better serve our clients. I’m a solo agent, but I depend a lot on the support of my peers to make sure my clients get everything they need. Everyone here is very supportive, and our manager is awesome.

That’s why I love Nationwide.”

Tom enjoys the activities in real estate that get him out of the office to meet his neighbors in Lake Forest and Laguna Hills. “One of my favorite quotes is, ‘Opportunity does not knock, it presents itself when you beat down the door.’ It’s so true when applied to business. I love to meet people, so door-knocking and open houses are the things I love to do most in real estate.”

Tom is known for his strong work ethic and a business approach governed by high integrity and honesty. He is currently working toward obtaining his broker’s license in order to provide an enhanced level of client service.

“When someone is buying a home, it is one of the biggest commitments of a lifetime. I have to be able to educate them and put their best interests first. One of the reasons I get referrals is because I will go the extra mile to save buyers money on repairs. When I take a listing, I give the seller full information about the home’s value and margins. My attention to detail and follow-up gives me the ability to earn people’s trust.”

Raised by a hard-working single mother, Tom says the lessons he learned early in life have a profound effect on who is today. “My mom taught my siblings and I that success isn’t given; it has to be earned. She also taught us not to take anything for granted, treat people the way you want to be treated, and make the effort to pay it forward whenever you can. My purpose is connecting with people at the heart level. I believe every client I encounter deserves the highest level of service, so I serve one client at a time, and always with their best interests at heart.”

Although Tom values the technologies that make it possible for him to deliver real estate services with greater efficiency, he believes there is no substitute for high-touch service. “A real estate transaction is a very significant milestone in a person’s life. It is the keystone of wealth and financial and emotional security. There is a lot of value in being willing to sit down with someone face-to-face and get to know them, and it’s important for myself to understand the scope of what they want to accomplish. To be able to gain the trust of my client and guide them through the process is a tremendous gift and honor. You can be tech savvy, but that won’t get you very far if you don’t know how to talk to people, and you have to be available. Before you can make a leap into a transaction with someone, you have to be able to communicate with them.”

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Tom Luu Nationwide Real Estate Executives 9170 Irvine Center Dr., Ste. 100 Irvine, CA 92618 Tel: 949.439.1137 Email: TomLuu@ournationwide.com Web: www.nreliving.com CalBRE # 02009364

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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PWR PROVIDES OUR MEMBERS WITH HIGHER QUALITY SERVICES, A WIDER ARRAY OF RESOURCES, & THE BEST VALUE FOR THE MONEY

We know that you can choose to join any association. PWR goes beyond the basics of providing MLS access and Supra Key support – we provide our members with ONE-OF-A-KIND services that help them become better REALTORS®.

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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

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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

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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.

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E XECUTIVE AGENT

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MAGAZINE

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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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

Executive Agent of the Month

ExecutiveAgent Magazine

Written by Haley Freeman Photography by Michelle Fairless

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ccording to Monica Villalobos, “If you don’t take chances, your life will just stay the same.”

An award-winning Realtor® at RE/MAX Prestige in Costa Mesa, Monica is living in rhythm with her belief. Vibrant, friendly and knowledgeable, Monica is a passionate advocate of home ownership.

She especially enjoys helping other young people overcome the fear associated with making a home purchase so they can enjoy the rewards that go along with it.

Monica grew up in Valencia, where she has fond memories of touring model homes with her dad on weekends. Her interest in real estate grew as she observed his practice of buying homes, selling them, and moving up to larger properties. “I had a lofty goal that by age 25, I would buy something of my own,” she says.

Monica earned her degree in Business Finance with a real estate emphasis from California State University, Fullerton. After some disappointing experiences with Realtors® and a tumultuous close of escrow, she achieved her goal of becoming a homeowner just a year later than planned. Although she had to make some financial sacrifices to close on her newly built home in Anaheim, she says that buying a home was the best decision she ever made. “Cars only depreciate, and I traded mine for an asset that will continue to appreciate, instead. I have a place to live where no one can raise my rent. It has already appreciated to the point where I could rent it out for substantially more than my all-in monthly payment.”

Empowered by her personal success, Monica was

inspired to give up her lucrative position as an inside sales representative and become a Realtor®. She passed the real estate exam, gave her two weeks notice and put everything on the line to begin her new career.

Monica joined RE/MAX Prestige for its strong leadership and dynamic office culture. “We’re like a family here. We’re an office of only about 15 agents, which is an anomaly in RE/MAX. We love where we work so much, we’ve actually trademarked #lovewhereyouwork. I’m not on a team, but we all support one another. If I have a question or need help with an open house, there is always someone available. Our broker is super knowledgeable and puts a lot of emphasis on ethics training. He is on the pro-standards committee for the Pacific West Association of Realtors® (PWAOR), so we’re always talking about situations where we need to use caution. We do everything by the book.”

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Empowering Future Homeowners Monica has discovered that young professionals have a lot to offer in this fast-paced, people-driven business. Her authenticity both in person and in her social media presence has been a significant factor in growing her clientele.

“People want to see that you’re human, so I always want to be myself. Because business is so much of my life, I want to show people my wins and my struggles, so the image they see is cohesive. I think it makes it a little easier for potential clients to trust me and want to work with me.

It means a lot when someone chooses to work with me because I know that level of trust is there.”

Gregarious by nature, Monica is quick to embrace her clients as friends. As a counselor and friend, she listens with purpose so she can tailor the real estate experience to their individual needs. Recently, when a client was feeling particularly stressed, Monica surprised her by leaving dinner in the refrigerator. “She was over the moon. I want to create that personal experience for my clients so they

know this isn’t just a transaction, it’s a relationship.”

Monica’s clients frequently share their positive real estate experiences and give her five stars for her outstanding service. They describe her as “an absolute dream to work with,” “knowledgeable about the market and very patient,”and “always smiling and in a good mood.”

A client who recently sold and purchased homes with Monica said: “I am in awe of the magnificent, truly caring service I have received from Monica during my selling and purchasing process. She is on top of everything and always goes out of her way to keep me up to date and to give me her honest opinion regarding the true value of my home. (She) has helped me stage, as well as done extremely professional photographs, flyers and video clips.

Her open houses are very professional and thorough. In my long lifetime, I have never had the luck of finding this jewel of a Realtor®!”

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Monica is a Master Certified Negotiation Expert (MCNE), and her skill as a negotiator helps her create favorable results for both buyers and sellers. In a market that has lately been tough for buyers, she has been successful at getting their offers accepted. For sellers, her list-to-sell ratio is 102.2 percent, as opposed to the average 98 percent in the Anaheim market where she focuses much of her real estate practice.

Recently, Monica took another big risk that opened new possibilities in her life when she signed up to participate in a television dating show. The show’s format changed once it went into production, and she found herself on the

premier episode of “The Proposal.” If you’re a fan of the show, you will recognize Monica as this season’s winner.

“I signed up just for fun, and I ended up learning a lot about myself. When I had to answer questions on the spot, I wasn’t nervous. I enjoyed it. I got energy from the crowd.

I realized that I liked being in front of a camera.”

Monica has parlayed that experience into a series of instructional real estate videos on YouTube. She also makes engaging appearances in her listing videos. With Monica’s star quality, stay tuned — you never know where you might see her face next!

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Monica V Realty When she’s not helping someone buy or sell real estate, Monica loves spending time at Disneyland. She is also a world traveler who has visited destinations as far away as Egypt. Hawaii holds a special place in her heart as the site of her first ever solo vacation. “I took myself to Maui last year, and it was one of the best things I’ve ever done. I just needed time to relax and do me. I read a lot, reflected on the year and wrote about my goals for 2018. I’m planning to do it again this year.”

Giving back is also a priority in Monica’s life. She is a regular volunteer at a local soup kitchen and looks forward to the holiday season each year as a time for giving to those in need. She is a keen advocate of pet adoption,

and her own dog, Toby, is a rescue. He appeared with her on “The Proposal,” and he is the star of his own Instagram account.

Monica is passionate about empowering others to take the leap of faith necessary to become homeowners. “I recommend that anybody make the sacrifices in order to own a home. I believe home ownership is really beneficial for people my age, and I want to build awareness to show that it’s so much easier than people think. I enjoy being the person who makes it possible.”

ExecutiveAgent Magazine

Monica Villalobos RE/MAX Prestige 3140 Bear St., Suite #230 Costa Mesa, CA 92626 Tel: 714-313-6485 Email: MonicaV@remax.net Web: www.MonicaVRealty.com DRE#: 01974362 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

Life is Time‌ Make it Count!

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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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E XECUTIVE AGENT

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MAGAZINE

Ryan Purpero Written by Haley Freeman

U.S. bank’s purchase-focused model and my relationships with real estate partners, financial advisors and CPAs to build a sustainable business that will endure no matter how the market fluctuates in the future.”

While large banking institutions are often criticized for being rigid or failing to provide a personalized customer experience, U.S. bank delivers the right balance of mortgage products and services that keep Realtors® and homebuyers coming back time and again. “I feel I can check all the boxes here and give clients the service, products and pricing they’re looking for. They can get a competitive bank rate with boutique-style service.”

U.S. bank offers an array of full-doc loan products, including a jumbo loan to $1 million with only 10 percent down. “My primary market includes Irvine, Tustin, Costa Mesa and Newport Beach, and this product is a good fit in a market where property values are high. But we look to serve everyone in our area. I did a purchase for $70,000 and a purchase for $4.7 million over the last summer.”

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yan Purpero describes being a loan officer as his “passion, profession and hobby.” With 15-plus years of industry experience spanning loan origination and sales management for institutions both large and small, Ryan says he has never been happier than he is today at U.S. bank in Newport Beach. “We have a great culture inside a company where I enjoy my coworkers and feel we are doing the right thing for consumers. I am using

Ryan has assembled a team of topnotch professionals who assist him in delivering uncompromising client service. “Christel, Thanh and Christina are my teammates, and I like to say I have the absolute best team in the business. We are always available to people on nights and weekends, and I think that after a transaction is over, our clients know we really did try to get them the best deal possible.”

ExecutiveAgent Magazine

NMLS# 68409

Ryan and his team are constantly working to refine their processes. He explains, “We have a board in the office where we write down what’s working and what’s not working so we can make changes accordingly. I’ve worked with a business coach for two-and-a-half years, and I’ve brought him in to work with my teammates individually.

The service my clients receive starts with them. I have meals prepped on Sundays and dropped off so we can all have healthy food for the week. We all get stuck at our desks sometimes, and there’s nothing worse than getting fried on caffeine on an empty stomach. We always want to be engaged and impact people in a positive manner.”

The special effort Ryan invests in creating a seamless lending experience does not go unnoticed by his clients. He and his team have received more than 200 5-star Zillow reviews from clients who describe them as “professional, timely, knowledgeable, and pleasant to work with,” “attentive and responsive throughout a long house shopping process,” and “transparent and open regarding expectations.”

The BC Cafe in Claremont and Kickback Jack’s in Rancho Cucamonga have long been known by area residents as the go-to destinations for hearty country breakfasts with big portions. With such a culinary heritage, it is no wonder that Ryan remains a foodie whose favorite pastime is sampling California’s extraordinary cuisine.

Ryan’s mission statement reflects the guiding principles that align him and his team. “Our mission is to create a consistent experience where all parties involved feel significant,” he says. “I think all people want to feel significant in some way, and I want our clients to feel we value their business, and they are important. I believe we’re doing good business, and I’m grateful to the real estate partners and teammates who make it all possible.”

One summed up: “Ryan and (his) team were phenomenal: super competitive, fantastic service, readily available to answer any questions. They are simply the dream team.”

Ryan Purpero NMLS ID 68409 U.S. bank 1515 Westcliff Drive Newport Beach, CA 92660 Email: ryan.purpero@usbank.com

Before he came to the Newport Coast, Ryan grew up in the Inland Empire, where his family still owns two restaurants begun by his grandfather.

Doing Good Business ExecutiveAgent Magazine

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.

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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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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

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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...

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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:

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

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.

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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

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

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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