Executive Agent of the Month
INSIDE FEATURES: David Halford Kinecta Federal Credit Union Stephen Paliska New American Funding Radcliffe and Associates Coldwell Banker Basil Sakr RE/MAX Top Producers Jon Strauss Coldwell Banker
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We offer in-house agent marketing support providing the following services: POSTCARDS | FLYERS | VIDEO | PHOTOGRAPHY ÂŠ2017 Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #15499 | Illinois Residential Mortgage Licensee | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker -- NYS Banking Department | Rhode Island Licensed Lender.
EXECUTIVE AGENT OF THE MONTH
Carlos Hernandez Coldwell Banker / Global Luxury
28 Stephen Paliska
Radcliffe and Associates
Basil Sakr 4
MARCH, 2018 Editorials
E XECUTIVE AGENT
Teaming With Success -Craig Harrison
Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 297-8323 Fax: (949) 266-8757 Fred@eamag.net www.EAMag.net
Stress: Control It, Change It or Let It Go! -Simma Lieberman
ADVERTISERS’ INDEX - NOC Finance of America Mortgage...........................2 iPhotography Studio...............................................25
How Patience Makes You Rich -Jim Rohn
Kinecta Federal Credit Union...............................13 loanDepot®..........................................................................9
NAHREP....................................................................8 New American Funding...................................................27
Are You Doing All You Can Do? -Walter Sanford
PWAOR...................................................................38 The Termite Guy......................................................3 Ticor Title Company...................................................40
Photography: iPhotography Studio, Ian Wiant, 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
Winning: Defining It, Achieving It -Chris Widener
© Copyright 2018 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.
Doing the Impossible -Zig Ziglar
E XECUTIVE AGENT
Written by Haley Freeman
ealtor® Basil Sakr is in the business of making dreams come true. At least, that’s the way he sees it. Growing up in Los Angeles, Basil was an accomplished athlete who played a new sport every season. Football was always his favorite, and after earning his degree in computer information systems
from California State Polytechnic University, he landed his dream job working as an IT consultant for the NFL Network. “I was in awe. I had to learn not to be starstruck around the professional athletes and celebrities I had always admired growing up. I traveled a lot, and it was an amazing experience.”
However, Basil had another lifelong passion: real estate. “I remember being 9 and looking at blueprints of homes and imagining myself living in them. I know now that real estate was my true calling.” When changing family needs required that Basil remain closer to home, he revisited his early fasciation with real estate, took the leap, and got his license. “I went with my dream, and the risk worked out for me,” he says. Today, Basil is a successful agent at RE/MAX Top Producers in Diamond Bar, where he feels at home with a strong corporate brand mingled with a hometown atmosphere. “It has the corporate feel I like, where when I come to work it feels like everyone is working hard, but we’re also a family. I like that environment where I feel like I’m part of something great.” Basil is now leveraging his background as a corporate IT trainer and his real estate expertise to cultivate a winning real estate team. “At NFL Network, I did training videos to help people learn to use our systems and minimize incoming support calls. I feel comfortable in the training world, so I’m excited about hiring new agents or people who are at a crossroads in their careers, and giving them a new opportunity. I want to be a good role model and help them avoid the frustrations I felt when I was making the transition.” Basil’s experience as a trainer is also an asset to his clients. “I learned to always stay professional and treat people with respect. It helps me empathize with clients and put myself in their shoes. Rather than just trying to sell them a home, I want to help them achieve their goals. It means taking myself out of the equation, listening to their needs and helping them find the home of their dreams.” One client affirmed: “When we first started looking for a home, there were so many questions that arose, not one went unanswered. It’s not easy to navigate the buying process, but Basil walked with us every step of the way. He went above and beyond our expectations and found us our dream home. He definitely listened to our every need in what we were looking for. I can say he has his clients
best interests in mind. I refer him to all my family and friends.” A well-rounded real estate professional, Basil is experienced not only in residential real estate, but also in commercial and land transactions. His next goal is to begin buying and renovating homes, turning them into dreams for sale. “It goes back to why I got into real estate in the first place. I know in that moment when I hand a client the keys, I’ve made their dreams come true. I’ve had clients call me months after the sale to say, ‘Thank you -- you’re a dream maker.’ It’s such an amazing feeling. My dream now is to take something old - something nobody wants to live in - and make it a beautiful home that a family will love. I’ll have the personal gratification of knowing I created a home where a family can be happy and helped them become homeowners. It doesn’t get better than that.” In his spare time, Basil enjoys volunteering as a football and basketball coach at South Pointe Middle School where he played as a youth. Recently, he helped them achieve their dream when he donated football jerseys. “They were using their PE uniforms and going to play other schools who had uniforms. They were going into the game with a lack of confidence. It was fun to be able to give them that boost.” He is also the proud dad of hardworking kids who are all honor students and athletes. He is grateful that real estate allows him the flexibility to be present during important milestones in their lives. As a real estate agent and professional dream maker, Basil is dedicated to creating lifelong bonds of friendship with his clients. “After spending months with someone on their journey, I feel like I’ve become a part of their family. I love what I do for that reason.” Basil Sakr RE/MAX Top Producers 618 N. Diamond Bar Blvd. Diamond Bar, CA 91765 Tel: 909.568.3981 Email: Basil@SakrRealty.com Web: www.remaxtopproducers.com CalBRE # 01992990
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E XECUTIVE AGENT
Written by Haley Freeman
haun Radcliffe and his associates, Brittney Paino and René Rustice, stand out from their peers as exceptional and relentlessly caring Realtors®. Aligned with Coldwell Banker Residential Brokerage and Global Luxury, they are providing buyers and sellers in Orange County with world class service supported by one of the world’s leading global marketing platforms. But what does it mean to be “relentlessly caring”? The
Oxford Dictionaries define the word relentless as “persistent, constant, unwavering, tenacious and tireless.” According to Shaun, “It means we will do everything we say, and everything we say, we will do. We have what we call a 100/0 model in place. We are 100 percent responsible for the outcome of the service we provide to each client, and there are zero excuses for why something doesn’t happen. We believe every client deserves a predictable, precise and profitable real estate experience.”
Radcliffe and Associates ExecutiveAgent Magazine
RELENTLESSLY CARING REALTORS® After graduating with a degree in marketing from California State University, San Bernardino, Shaun enjoyed a successful first career in building materials sales and distribution. He had a less than satisfactory first home buying experience, which inspired him to create an elevated service standard when he became a Realtor®. “I noticed that customer service and follow-through were lacking. I decided that the core of my business plan would always be to deliver service that exceeds expectations.” Communication is a hallmark of relentlessly caring service. “Our clients receive communication from us multiple times a week. As emotion takes over in a transaction, communication becomes even more important. This is one of the largest financial decisions a family will make in their lifetime. We’re really big on making sure we understand the emotions someone is experiencing and provide them with the information and assurance they need to make confident decisions.” The discussion continues long after the sale, as the team follows a procedure for following up at key points to answer questions and provide resources. They also host four client appreciation events each year. Most recently, they rented a movie theater and filled it with 200 past clients and their family and friends. Some came from as far away as Redondo Beach and Simi Valley. In a business environment where customer service is being diminished by cut-rate, online real estate brokers, there are still people who value this group’s extraordinary standard of care. Shaun and his team recently sold a property for an out-of-area client whose mother had passed away. The client said this about his experience: “Shaun had reached out to our family with a number of personal notes, and was very sympathetic to the recent loss of our mother. Although the other agents came equally well prepared, Shaun seemed to have the best grasp on the local market, and his insights were more in depth than the other agents. All the other agents had suggested a lower price for the initial listing. Shaun firmly believed in the value of the property, and argued for a higher price. He confidently predicted we would have multiple offers even at this higher price, and he was absolutely right! As a result of his strategy and negotiating skills, we were able to finally accept an offer 3.2% over the initial asking price. All of the advertising materials he had made for the house were superb and of the highest quality. He really
made the property shine. He was also very quick with replies to any questions I had, and was willing to work with the group who was handling the concurrent estate sale of my mother’s belongings.” The team does a high volume of transactions in “The Hidden Jewel” of OC, Villa Park. “The area is known for its large lots and old-fashioned sense of community. It’s an area we personally love, and we are very active there.” Radcliffe and Associates also receives numerous referrals. “We appreciate the referrals of our past clients and we are happy to serve them, as long as we feel we can provide that relentless, systematic service without any limitations.” This positively motivated group of professionals devotes five minutes each day to recording their thoughts in a gratitude journal, and they begin each team meeting with an expression of thankfulness. This year, they are committed to helping 100 families buy or sell real estate. “We focus on the ‘why’ for our clients, so they experience results around it. That ‘why’ is so important to us. We treat someone’s home and money the way we would treat our own. We consider it a privilege to be part of this important milestone in a family’s life.” Shaun Radcliffe – Radcliffe & Associates Coldwell Banker Residential Brokerage 21580 Yorba Linda Blvd. Yorba Linda, CA 92887 Tel: 714.497.0160 Email: Shaun@radcliffeassociates.com Web: www.shaunradcliffe.com Web: www.ochomesprice.com CalBRE: 01923712
Are You Doing All You Can Do?
y goal in real estate was to leverage my time so that I was getting the maximum amount of income out of every exertion of energy. I never liked showing property much, but I really wanted the listing. In fact, I did whatever was ethical to become the most recognized REALTOR® in my area. This system is a little aggressive, not for the faint of heart. I never considered it solicitation of a seller, just feedback; however, the results were many sellers ended up knowing me and paying more attention to my expired solicitation. I risk showing you this in that you may think all of my ideas are “grey area” but not so! I have thousands of systems in my training materials that will make you a fortune, but I have to tell you -- I just loved that call from the REALTOR® who had more time on their hands than business and who would complain that I should have emailed him/her my feedback on their listing.
Most times, I was giving better feedback than the listing agent. The top agents loved it, so that is why I have so many different systems. I had to keep inventing new ones, because the competition kept stealing my ideas. Just leave a card at the property you have shown. Make sure all of your information and picture are on the card. Mine had me next to my Rolls Royce on the back. Walter Sanford is a top producing real estate agent and speaker who travels the country delivering systems and strategies to top producers for higher productivity and client satisfaction. Copyright© 2000, Walter Sanford. All rights reserved. For information about Walter’s keynote presentations and training seminars, please contact the Frog Pond Group at 800-704FROG (3764) or email email@example.com; http://www.frogpondgroup.com.
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Jumbo impression in Orange County.
When it comes to buying a home in the OC, size matters! Kinecta’s local Mortgage Loan Consultants are ready to help you deliver BIG to your clients: WE’RE LOCAL!
• Decades of local real estate experience • Available for on-site open houses
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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. 18263-12/17
E XECUTIVE AGENT
David Halford Written by Haley Freeman
top-producing Loan Consultant with nearly two decades of experience in the real estate and mortgage industries, David Halford joined Kinecta Federal Credit Union in 2017, where he is meeting the expectations of a new generation of homebuyers with service that is personal and tailored to their individual needs. David says, “As far as the future of banking in general, I think a lot of people are turning away from big banks. People generally come to a credit union with a higher expectation of customer service, and we’re able to deliver both products and services that rise to that standard. We are one-on-one with our customers, and when people come into the credit union, we actually know their names. It’s more of a community banking concept, where people can go to one local institution and get all of their financial needs met in one place. A lot of people don’t realize how many services we provide. In addition to meeting mortgage and community banking needs at a lower cost than the competition, Kinecta is one of the largest auto lenders in California. We also offer investing and insurance services.” David is a SoCal native whose journey began in Brea. “Growing up in Brea was a great experience. It is a safe community with a great school district.
My mother and father were foster parents, and they fostered over 30 children during a 10-year time span. I was fortunate to be adopted along with my sister at an early age.”
Meeting a Higher Expectation of Client Service When he was 17, David began his industry career working with a local real estate appraiser. He went on to obtain his mortgage license and developed a lending niche in programs designed for California State employees. “One of my greatest influences and mentors has been Cindy Wingo, who is now on the board of directors of the California Association of Mortgage Professionals. As an account executive, she is one of the most knowledgeable and friendly professionals in the business. She helped me really learn and understand Fannie Mae, Freddie and FHA guidelines early on in my career so I can be a true mortgage professional that can be trusted.” In addition to Kinecta’s elevated service culture, David is also happy to deliver competitive rates on a strong product set with sensible underwriting. “We take a common sense approach to underwriting with the best interests of our members in mind. Since we are a not for profit credit union, the way we make business decisions is a big contrast to a regular bank. In this market where home prices are increasing, we are set up to properly evaluate income and assets for jumbo borrowers and help them get approved. We also have a 5 percent down program up to $850,000, and programs with reduced mortgage insurance premiums.” Real estate partners and homebuyers also appreciate Kinecta’s efficient, local processing and underwriting, and on-time closings. “Before I worked here, I knew that if I was competing against a credit union for a loan, it was going to be hard to win. People go with the lender they feel most comfortable with and trust. We not only offer great products with lower rates and fees, we also build personal relationships with our clients and business partners, and earn their trust.” David continues to live a full life in Brea with his wife and two children. “My son, Isaiah, who just turned 16, has recently found his passion with
playing the guitar and attends Brea Olinda High School. My 10-year-old daughter, Soleil, is a Junior Olympic Latin Ballroom Champion. She started dancing at 6 and discovered her passion. When not working, my wife Marisela and I can be found often traveling between guitar and dance practice at the Fullerton Ballroom in downtown Fullerton.” David also devotes time to giving back to the community. “Throughout my experiences and success, I have had a longing to give back to children. Feeling blessed to be adopted and grateful to my parents, I recently joined Big Brothers Big Sisters of Orange County, where I have recently been accepted as a Big Brother. I look forward to helping a child in any way as I can in 2018 and beyond.” As consumers continue to raise the bar on the service they expect when obtaining a home loan, David is enthusiastic about being able to meet and exceed their expectations. “After over 18 years being in the mortgage industry, the satisfaction of helping the community has only grown stronger. I love what I do and look forward to continuing to help families obtain home loans.” David Halford Kinecta Federal Credit Union 4041 MacArthur Blvd., Ste. 100 Newport Beach, CA 92660 Tel: 424.390.2471 – Office: 310.643.2130 Email: David.Halford@kinecta.org Web: https://www.kinecta.org/dhalford NMLS ID 256649
Winning: Defining It, Achieving It
f you ask most people whether they would like to be considered a winner or a loser in life, they would most assuredly reply that they would like to be a winner. But this begs the question, “What does it mean to win at life?” In some things it’s easy to define a clear winner. In a basketball game, whoever has the most points at the end of the game is the winner. In a game of hearts, my favorite card game, whoever has the least amount of points when one of the players reaches 100 points is the winner. But it isn’t quite as easy to decide what it means to win in the game of life, is it? And that is because people define winning in different ways. For many, winning is through the accumulation of money or material possessions. “He’s a success, a real winner,” they say. Others think winning means living the longest. Still others say that it is to have their body in tip-top shape. Some say it is to have a happy family. Some say it is to regularly enjoy their hobbies. All of these are fine, in and of themselves. But...
I would like to encourage us to think about winning or success in a different way. Generally, people think of winning as the over-achievement in a particular, chosen area. I like to believe, however, that to truly win at life is not to overachieve in one area but to succeed in maintaining balanced achievement in numerous areas. Let me repeat that: To truly win, to be a success, is
not to overachieve in one area, but to maintain balanced achievement in all areas of our lives. For instance, is a person a success if they earn millions of dollars but lose their family? Is a person a success if they garner national fame but have no friends? Of course not. In fact, they may live the most pitiful of all lives. First, Define So the first thing we must do is define what we will consider “winning in life.” As you ponder this for yourself, I would like to recommend that you focus in on three overarching areas: Body, Soul, and Spirit. The body is that which has actual connection with the physical world and would encompass physical health, financial health, family, work, and relationships. How is your health? How are your finances? Are your relationships, both with your family and others all that they could be? Is work fulfilling? How would you define winning in these areas? The next area, the soul, is that which deals with the emotions, will, and intellect. It is our thoughts, ideas, and attitudes. How are you emotionally? Are you able to exercise your will? Are you growing intellectually? Have you done an attitude check lately? How would you define winning in these areas? And the spirit is the part of us that transcends this life, the part of us that communes with God. Zig Ziglar said, “Money will buy me a house, but not a home, a bed, but not a good night’s sleep.” So true.
Written By Chris Widener
Inner peace comes from something much deeper. Have you thought about going back to your spiritual roots? Are you able to spend time in quiet, solitude, and prayer from time to time? This is an extremely important area and all too often neglected. What would you like to achieve in this area? How would you define winning in these areas? As we experience balance in these areas, we will find ourselves much more at peace with ourselves than if we were to experience tremendous success in one area but loss or failure in the other areas. We were designed to work as congruent, balanced people. This is how we get to the end of our lives and say, “I won.” Second, Prioritize Once you have defined what it is that you would like to achieve in each of these areas, you have to prioritize them, and let other, non-important areas drop off the chart. Commit to developing a plan to succeed in a balance of areas. Exercise your will. Choose. Dwight D. Eisenhower said, “The history of free men is written not by chance, but by choice - their choice.” When we manage our time and schedule, we are simply making choices in regard to our priorities. For most, their priority is to take action on whatever is screaming the loudest at the moment. For those who become winners, they reflect on what they desire to achieve, make a plan and decide to eliminate the rest. Last, Do it Okay, you have defined winning. You have prioritized your life. Now, the hard part: Doing it. This is where
we are all alone. We all make this step on our own, but having a written plan is as good a preparation as you can get. Rather than saying that you are going to do this for the rest of your life, take the next week to implement your new balance of winning. If a week sounds too long, just focus on today. Spend some time, be it ever so small, enhancing your life in these areas. Exercise a little. Read for a while to challenge your mind. Deal with your emotions. Spend time in silent contemplation to renew your spirit. Give some time to your spouse and children. Will Rogers said, “Even if you’re on the right track, you won’t get anywhere if you’re standing still.” There has got to be action. As we do this over time, and balance our lives out, we will begin to finally feel like we are winning at life. That will be exciting, as will the process! 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© 2001, Chris Widener. All rights reserved. For information about Chris’ speaking and consulting services, please contact the Frog Pond Group at 800-704-FROG (3764) or email Susie@frogpondgroup.com; http://www.frogpondgroup. com.
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
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Executive Agent of the Month
Written by Haley Freeman - Photography by Ian Wiant
ward-winning Realtor® Carlos Hernandez can honestly say he has been in real estate his whole life. When he was a young boy, his mother, Rosalinda Hernandez, became a licensed Realtor®, and that’s when Carlos’s real estate education began. “I’ve always been inspired by her,” he says. “Her first year in business, she sold 67 houses. She took off like a rocket. I remember watching her day-to-day activities - listening to her dialogue with buyers and sellers, and going to open houses. I knew I wanted to do real estate at a young age.”
Carlos’s father retired as an executive at Bank of America and later opened a Farmers Insurance office. “I’ve always seen my family as hard workers. My mom and dad both started from nothing and worked hard for everything. The things they achieved benefited us greatly, and they set a high standard. Now I want to continue on that same path. I realize the higher my level of service, the more people I can help, and the better it is for the industry as a whole. Satisfied past clients continue to be the lifeline of my business. I see it as a generational thing, and it’s not going away. I’m in this for the long term.”
After earning his bachelor’s degree from San Diego State University in 2003, Carlos obtained his real estate broker’s license in 2004. “Before I was ever licensed, my mom had me going to Mike Ferry seminars. I was rubbing elbows with the best of the best and learning what they were doing and what was working. Combined with what I had learned from my mom, I didn’t have to reinvent the wheel when I started. I was out my first week hitting doors and talking with for sale by owners, and I picked up my first listing for a million-dollar home
in San Clemente. It was one of my first sales, and I was hooked.” Carlos continued to succeed through the crash market, adapting to assist clients through distressed sales. When a more stable real estate market returned, he went back to basics, calling on expired listings and for sale by owner properties. Three decades later, the Hernandez Group is still recognized in San Juan Capistrano and nearby coastal communities for its preeminent real estate representation.
A Legacy of Excellence Today, Carlos and the Hernandez Group are thriving at Coldwell Banker Real Estate, where they are leveraging their peerless reputation and the worldwide presence of Coldwell Banker and CB Global Luxury to serve clients with distinction. “Simply being on the internet is not what makes you a global company,” Carlos explains. “We have offices in China and other locations, and we are recognized everywhere as a luxury leader. Our View magazine is published in luxury markets in both the U.S. and China. Other companies can’t touch the benefits we offer.”
They met at legendary San Juan Capistrano restaurant El Adobe, and they became dance partners, performing traditional Mexican Ballet Folklorico dances at local events, including the famous Swallows Day Parade. They finally married in 2012 and their family has since grown by one, with the birth of their son, Cruz. “It’s amazing to know and love someone and their family for so long. My wife is an important part of everything I do, and she is a great support. She works with huge international companies, so she knows how to enhance our overall presentation.”
His incredible team of support and marketing professionals help Carlos shine as an agent, allowing him to spend the majority of his time one-on-one with clients, providing expert real estate advice and negotiating on their behalf. Carlos’s wife, Julia Hernandez, is a full-time marketing professional at a notable marketing agency. She contributes her expertise to refining the team’s creative assets. Carlos and Julia’s shared journey began when they were children.
Sandy Garza provides the ultimate in client support. She is a licensed agent with the knowledge and experience to identify and fill every client need, ensuring that every transaction is seamless. “She takes care of all the behind the scenes details and is in the office Monday through Friday. She makes every transaction run smoothly, and my clients and other agents always compliment her on her ability to get things done. Her contribution is invaluable.”
Carlos and team member German Vasquez connected through their mutual love for cars. A visual artist and marketing professional, German dedicates his creative talents to developing unprecedented marketing assets. Together, he and Carlos helped pioneer the use of drone photography/videography in real estate marketing, and this unique asset, reserved only for high-end listings by other Realtors®, has since become a staple in the Hernandez Group marketing repertoire, presented for all listings, regardless of price point. “Everything we do in terms of marketing is in-house,” Carlos explains. “We offer the same services to all price ranges. It’s unexpected, and our video presentations blow the socks off sellers and buyers. German is someone on the team I value very much, and he is a great asset to us and to our clients.” Although Carlos and his team have won numerous awards for their outstanding service and production, Carlos is never satisfied with simply maintaining the status quo. “It’s fun to set the bar higher each year and then implement the right steps and put the right resources together. I believe details win championships. It’s not just the overall presentation of things, but the outcome.” One client corroborated, “I can honestly say the only reason my house sold was because the Hernandez Group had an active approach and found a buyer by calling their data base. Our last agent was never active in the sales process and waited for buyers to call.”
Carlos is also a Dave Ramsey endorsed real estate provider. “After the crash happened, I realized I had to get smart with my money. I was fortunate enough to be introduced to the Financial Peace University program. I continue to live by those principles, and it is a privilege to help others learn to live debt-free and be relieved of those shackles.” As residents of San Juan Capistrano, along with their extended family members, Carlos and Julia are parishioners at Mission Basilica and are actively involved in the many outreach initiatives sponsored by the church. They also enjoy numerous outdoor activities from camping to horseback riding. Carlos raises and trains German Shorthair Pointers, and he and his brother own four that hold the “Versatile Champion” title, the most coveted championship bird dog title known throughout North America. Carlos continues to honor his family’s name and legacy as he and the Hernandez Group deliver real estate excellence. “Our mantra is to be honest, be transparent, and do what’s absolutely best for the client. My family is my big motivator. I strive to serve at the highest level and live up to the standards set by my parents. Hopefully one day, my son will want to be a part of this too.”
Carlos Hernandez Hernandez Group Real Estate Coldwell Banker / Global Luxury 28051 Greenfield Dr., Ste. A, Laguna Niguel, CA 92677 Tel: 949.842.0469 - Email: Carlos@TheHernandezGroup.com Web: www.TheHernandezGroup.com - CalBRE # 01430223 ExecutiveAgent Magazine
How Patience Makes You
patient man is always richer than an impatient one, even if the patient man has less money.
What do I mean by that statement? Well, riches and wealth can take other forms besides dollars and cents. In what sense is the patient man richer? The answer is actually very simple. A patient man is always richer than the impatient one because the patient man can always afford to wait. The patient man is never desperate. The patient man has time to spare, while the man in a hurry is always on the verge of bankruptcy as far as time is concerned. In any situation you can think of, impatience is a source of weakness and fear, while patience represents substance and strength. And here’s another reason why patience gives the person who has it an incalculable advantage over those who don’t have it: It gives him deeper insight into himself and others, which is a mark of philosophical refinement. If you can only see the short term, if you think only in terms of the here and now, then you are stuck in one place. You can’t judge distances. You live in a world that’s flat and twodimensional. In other words, the impatient person lacks all sense of perspective.
Perspective lets you measure your current plans against things that have already occurred and against your desires and aspirations for the future. Then and now, here and there, near and far, need and know, watch and wait—these are the dual optics that allow the patient man to see in stereo. The nearsighted person sees only the present; the fantasizer sees only an imaginary future and, more likely than not, trips over his mistakes trying to get there. Patience enables you to see the big picture. It helps you to make the most of today while building a better tomorrow. For that reason, it’s one of the most valuable equities of all, one that you should make every effort to acquire. The payoff will be worth it. Jim Rohn knows the secrets of success - in business and in life. He has devoted his life to a study of the fundamentals of human behavior and personal motivation that affect professional performance. He can awaken the unlimited power of achievement within you! Reproduced with permission from the Jim Rohn Weekly E-zine. Copyright© 2006, Jim Rohn. All right reserved. For information about Jim’s keynote presentations and seminars, contact the FrogPond at 800.704.FROG(3764) or email susie@ FrogPond.com http://FrogPond.com.
FOCUSED ON THE FUTURE New American Funding is diversified in a variety of markets and is consistently ahead of the trends. Today, with a servicing portfolio of $22 billion, and funding approximately $1 billion per month, we are at the height of our game.
Co-branded Mortgage Statements Statement Date: August 16, 2017
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MORTGAGE STATEMENT Online Information: www.newamericanfunding.com Click "MANAGE MY LOAN"
JOE E. CUSTOMER 123 ANY STREET ANYTOWN, CA 12345
Mon - Fri 7:00 am to 9:00 pm CT Sat 10:00 am to 2:00 pm CT Telephone: 1-800-893-5304 TTY/TDD: 1-844-249-9633 Fax: 800-880-0639 Correspondence PO Box 170581 Austin, TX 78717-0031
Property Address: 123 ANY STREET ANYTOWN, CA 12345
Loan Number: Next Payment Due Date:
Total Amount Due:
$49.86 late fee will be charged if payment is not received in our office by 09/16/2017.
Explanation of Amount Due
Account Information Loan Due Date Outstanding Principal Escrow Balance Interest Rate Prepayment Penalty
09/01/2017 $272,897.11 -$474.85 3.625% No
Transaction Activity (08/05/17 - 08/16/17) Date Paid
$419.16 $423.37 $820.53 $823.10 $200.00 $656.42 $1,439.69 $1,902.89 $0 $20.00 $1,902.89 $0 $3,825.78 $1,439.69
Principal Interest Escrow (Taxes and Insurance) Regular Monthly Payment Total Fees and Charges Past Due Payment(s) Total Amount Due
Additional Monthly Amount
Charges and Fees
Partial Payment (Unapplied)
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No transactions have occurred on your loan between the last billing statement and this statement date.
Special Messages If you are experiencing financial difficulty: Additional information about mortgage counseling or assistance can be found on the back of this statement.
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Past Payments Breakdown Paid Last Month Principal Interest Escrow (Taxes and Insurance) Replacement Reserve Additional Monthly Amounts Fees and Charges Partial Payment (Unapplied)* Total Payment
$419.16 $0.00 $820.53 $0.00 $200.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1,439.69 $0.00
Paid Year to Date $2,514.96 $1,184.85 $4,923.18 $2,877.52 $1,200.00 $3,552.85
$0.00 $0.00 $120.00 $0.00 $8,638.14 $7,735.22
* See reverse for information about partial payments
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Total Amount Due
Loan Number 000000001 Borrower JOE E. CUSTOMER Co-Borrower $1,439.69 Total Amount Due $3,825.78 Due By 09/01/2017 $49.86 late fee will be charged if the payment is not received in our office by 09/16/2017
PO Box 650076 Dallas, TX 75265-0076
WůĞĂƐĞǁƌŝƚĞǇŽƵƌůŽĂŶŶƵŵďĞƌ ŽŶǇŽƵƌ ĐŚĞĐŬŽƌŵŽŶĞǇŽƌĚĞƌ͘ ǇŽƵƌƉƌŝŶĐŝƉĂůŽƌĞƐĐƌŽǁ͕ƉůĞĂƐĞŝŶĚŝĐĂƚĞƚŚĞ ĂŵŽƵŶƚ;ƐͿŝŶƚŚĞďŽǆĞƐĂƚƌŝŐŚƚ͘ /ĨǇŽƵƌĂĚĚƌĞƐƐ͕ƚĞůĞƉŚŽŶĞŶƵŵďĞƌŽƌ ĞͲŵĂŝůĂĚĚƌĞƐƐŚĂƐĐŚĂŶŐĞĚ͕ƉůĞĂƐĞǀŝƐŝƚ ŽƵƌǁĞďƐŝƚĞůŝƐƚĞĚĂďŽǀĞŽƌĐŽŶƚĂĐƚƵƐ Ăƚ ϭͲϴϬϬͲϴϵϯͲϱϯϬϰ͘
Total Amount Due
Additional Monthly Payment
. . . .
Jeff Moore Branch Manager San Clemente
Dusty lloyd Branch Manager Mission Viejo
Tom Briggs Branch Manager Huntington Beach
Brian Keranen Branch Manager Newport Beach
Eli Fairfield SVP Regional Manager LA West and OC
Brenda Dintino Branch Manager Irvine - North
Rob Briggs Branch Manager Huntington Beach
Daniel Perez Branch Manager Anaheim
Christopher Paliska Branch Manager Anaheim
Matthew Moore Sales Manager San Clemente
PARTNER WITH US
W W W. N E W A M E R I C A N P A R T N E R . C O M
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS ID#6606. © New American Funding. New American and New American Funding are registered trademarks of Broker Solutions Inc. dba New American Funding. All Rights Reserved. Corporate Office is located at 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 11/2017
E XECUTIVE AGENT
Stephen Paliska Written by Haley Freeman
oan Consultant Stephen Paliska’s approach to customer service was first inspired by watching the way his father and uncle operated their valet parking business in Orange County. “My brother Chris and I grew up working for them,” he says. “We were often the first people a customer would meet when they came to the door of a restaurant or hotel. We learned a lot about what it takes to provide great customer service.”
my brother’s wedding, and that’s when I realized I’d been chasing my corporate job for too long. We wanted to raise our families together and get back to that life our father and uncle had when we were growing up. Chris has had a lot of success at New American Funding, and I made the decision to come here too. I put the processes in place that made him successful, and he put his time into coaching me on what works.”
After earning his finance degree from Purdue University, Stephen went on to a successful career in transportation logistics, where he became a sales manager and trainer responsible for the performance of 75-plus professionals. He was eventually promoted to open a new office in Denver, taking him far away from his SoCal roots.
What works is a service model founded on faith-based and family values. It includes operating with the highest ethical standards and being forthright about conflict. “I pledge integrity to the people I work with - and not just because of regulations or laws. There is something to be said about making sure somebody feels comfortable about a transaction. When there’s a problem, we always inform the client and agent up front, and we always bring a solution. Our real estate partners never get a surprise from us, and we pride ourselves on that. I sleep better at night knowing there are no spiders in the closet.”
But his desire to renew family ties inspired Stephen to alter his professional trajectory, return to California and join brother Chris as a Loan Consultant at New American Funding. “I flew back with my family to be best man at
With a goal of continually raising service levels and exceeding client expectations, Stephen and his team meet monthly to discuss how they can improve the experience of their clients. “We’re always looking at where we can give that five-star experience without adding to the cost of our service. We’ve come to the conclusion that communication and availability are absolutely vital in this business, and great communication is always free. Wherever we are, we always answer our phones. Buying a home is something people don’t do very many times in a lifetime, and a lot of questions can pop up along the way. I think our constant communication is the number one reason we do so much business.” These uncompromising standards combined with New American Funding’s array of programs, competitive pricing and unprecedented service delivery results in a community of raving fans. “All our files are underwritten with an expedited turn times, and we have a 14-day close guarantee*. Every Friday, we send a spreadsheet to our real estate partners with updates on every transaction in the pipeline. And our post-close marketing is great for our agents. We offer a co-branded marketing campaign that includes mortgage statements and cards throughout the year. We also want to help our agents generate new business, so we have what we
call our VIP Marketing Concierge. We do more than just print flyers - we help agents create a strategy, farm an area and own it. We’re committed to creating relationships and business partners for life.” Stephen and Chris live just two streets away from each other in Foothill Ranch, and they have a golf cart that takes them back and forth between each other’s houses. They attend the Saddleback Church in Lake Forest, and they are raising their children with a shared commitment to faith, family and community. For generations, the name Paliska has been synonymous with integrity and service in Orange County, and they are continuing the tradition. “Whether we do a transaction for someone or not, we very much believe in doing the right thing,” Stephen says. “All we have is our name to stand by.” Stephen Paliska New American Funding 2099 S. State College Blvd. Anaheim, California 92806 Tel: 714.293.7860 Email: Stephen.Paliska@nafinc.com Web: www.newamericanagent.com/StephenPaliska NMLS ID1601510
*14 business day guarantee only applies to purchase transactions. This guarantee does not apply to Reverse Mortgages, FHA 203k, VA, Bond, MCC, loans that require prior approval from an investor, or brokered loans. The guarantee does not apply if events occur beyond the control of New American Funding, including but not limited to; appraised value, escrow or title delays, 2nd lien holder approval, short sale approval, or lender conditions that cannot be met by any party. The 14 business day trigger begins when the borrower’s initial application package is complete and the borrower has authorized credit card payment for the appraisal. If New American Funding fails to perform otherwise, a credit of $250 will be applied toward closing costs. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS #6606. Corporate Office 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010. 3/2018.
Teaming With Success
e are surrounded by examples of great, and not-so-great, teamwork. Recently I flew to Los Angeles, visited relatives, took in a parade with floats, bands and street performers, saw a football game and attended an opera. Countless teams made it all possible, whether on stage or back stage, seen or unseen. You too are a part of a variety of teams. How well you work together tells me how successful you are. Are you teaming with success? True teamwork takes time and a willingness to contribute to the greater good of the team, as opposed to only looking out for number one. It begins with a desire to work on behalf of the group. Examine your motives. In successful teams, when the teams win their teammates too reap the rewards. Ineffective teams are often betrayed by selfish team members whose individual goals supersede their team’s goals. Among the hallmarks of effective teams, whether in sales or service environments: • A shared vision of the mission of the team and its goals • Willingness to meld one’s individual talents for the betterment of the team • Clear communication in both directions: between team leader and team members, and amongst members themselves • Ample appreciation of individual differences within one’s team • Recognition and reward of team members for their efforts I have chaired boards of directors, coached basketball teams domestically and internationally, and managed talented and not so talented groups within and beyond high-tech. I know from experience that lines of authority alone do not guarantee dedication, loyalty and a shared sense of team play. Similarly, I have been a member of functional and dysfunctional teams and have seen first-hand that talent alone doesn’t guarantee success. Successful teams are about a coming together of talent, a melding of minds and mindsets, and an ability to focus on the big picture.
• To be valued, appreciated and recognized • An opportunity to express individuality These can all occur on well-led teams, without sacrificing the team spirit. It’s a mistake to believe that the best team leaders treat everyone the same way. Realistically, not everyone wants nor needs to be treated the same way. Whether in sales or service situations, many team members are self-motivated. They are self-starters who want the keys to the car and then ask that you step away from the curb. Other team members want and need reassurance, support and a little hand-holding. Neither is right nor wrong. But each excels when treated the way they most want to be treated. Team leaders should strive to achieve the following: • A clear vision of the team’s goals and objectives that they consistently articulate • Appreciation of who each team member is and how to relate to them: personality, temperament, strengths and weaknesses and style • Cohesion through regular communication • Support for each team member • Recognition for members’ accomplishments and group milestones Teamwork is developed over time. Day by day your team can strengthen itself through experience and the natural relationships that occur over time. With time and attention to these tips, soon your group will be teaming with success! Craig Harrison is an instructor with the University of California at Santa Cruz Extension’s Business department, has been profiled in The Wall Street Journal and cited in Business Week. As a manager, consultant, publisher and curriculum developer, he developed his digital dexterity, helping the technical world train and communicate more effectively. Copyright© 2007, Craig Harrison. All rights reserved. For information contact FrogPond at 800.704.FROG(3764) or email susie@ FrogPond.com.
Team members seek the following: • To be heard • To feel important
E XECUTIVE AGENT
JON STRAUSS Expert Service, Personal Care Written by Haley Freeman
hen you’re making the biggest financial investment of your lifetime, it’s important to know you are working with a professional whose advice you can trust. When it comes to buying or selling a home, it also means finding someone who not only possesses the right credentials, but someone who cares about the well-being of your family and the security of your legacy. Meet Jon Strauss, Broker/ Associate at Coldwell Banker Residential Brokerage in Mission Viejo. Jon has dedicated his entire career to real estate excellence, and more than a decade later, he is respected among his clients and peers as a Realtor® of highest distinction. A lifetime resident of Orange County, Jon earned his business degree from California State University, Pomona, with an emphasis in real estate, finance, and law. He worked as an appraiser’s assistant through college, and after graduation, went on to obtain his real estate broker’s license. Jon is also a Certified Relocation Agent and an REO Default Certified Professional (RDCPro). Still young in years but highly experienced in his field,
Jon brings youthful vitality and innovative methods to his real estate representation. From his proactive techniques for connecting buyers and sellers, to his utilization of leading edge technologies, Jon reaches beyond the industry standard to create extraordinary results. “I provide concierge service for sellers, with drone video, professional photography and a complementary staging consultation. I want to serve every client in the best way possible, so I make sure every home is ready to sell for top dollar. When I take a listing, I also door-knock the neighbors to ask if they know anyone who is wanting to move into the neighborhood and invite them to the open house.”
Jon employs a similar method on behalf of buyers. A seller, who described Jon as an “honest, diligent and no-pressure Realtor®,” explained: “Jon had a buyer interested in a home in our neighborhood. Jon apparently went door-to-door to find a potential seller - and it ended up being us! We are very happy with the sale of our home by Jon Strauss.”
spent several months at Mission Hospital during the final months of her pregnancy with the twins. Afterward, the girls spent 34 days at CHOC Children’s at Mission Hospital. In gratitude for the outstanding care they received from the hospital and staff, Jon and Amber have become faithful supporters of CHOC, donating a portion of every real estate commission to the hospital.
Assisting professionals and their families who are relocating to and from California requires ongoing, rigorous certification and an array of special skills. Jon steps in to meet his clients’ needs with swift efficiency. His personal familiarity with cities and neighborhoods throughout Orange County and his referral network of trusted professionals help his clients to reestablish their families locally with minimal worry. For those relocating elsewhere, Jon is well-equipped to assist through Coldwell Banker’s national and global exchange of preeminent real estate professionals.
For Jon, real estate is a lifelong professional commitment, driven by a desire to deliver expert service with personal care. “This is not a one-size-fits-all business. I like to focus on the individual client and their needs. I want them to feel like they’re the only client I have and that I am always available to serve them. And I want to be their agent for the next generation.”
A client who recently worked with Jon during her relocation said: “Jon was extremely competent in shepherding us through a sometimes complex process involving the sale of our property as part of a corporate relocation. We chose Jon because he offered us the complete package - a sophisticated, tech savvy marketing plan in addition to deep knowledge of the local real estate market. He went above and beyond our expectations at every step of the way. We would highly recommend him to anyone looking to buy or sell in OC.”
Jon Strauss Coldwell Banker Residential Brokerage 27742 Vista Del Lago, Ste. J1 Mission Viejo, CA 92692 Tel: 714.473.1943 Email: firstname.lastname@example.org Web: http://www.straussteam.com CalBRE: 01432442
Jon and his wife, Amber, are parents to a son and identical twin daughters. They love living in the Mission Viejo community, where Jon also has a strong business presence. They originally moved to the area when Amber ExecutiveAgent Magazine
Stress: Control It, Change It or Let It Go!
ave you ever tried to control other people? Who gets stressed out? Have you ever tried to control things or events over which you had no control? Do you find that stressful? There are different types of stressful situations. Some, like people interrupting you all the time, you can control. You can let the interrupters know you are busy and don’t have time to talk. Other stresses, like rush hour traffic, are usually beyond your control. But there are some things about rush hour traffic that you can personally change which may help; taking a different route, for example, or traveling at a different time. Of course, these changes are not always possible. In that case, you have to change your attitude about the situation, in order to lessen the stress. You can listen to music or educational tapes or books-on-tape. Rush hour traffic won’t seem as frustrating because you’ll be doing something to help keep your mind off the traffic and other drivers. In order to let go of commute stress, you have to accept the situation. You must accept that you cannot control the traffic, no matter how much you yell and gesture at other drivers to speed up. A stressful commute can ruin your whole day, don’t let it! Accept that, if you are unable to change your route, or your time of travel, you are powerless over everything on the road, with the exception of your car and your attitude. Control your attitude, let go of the traffic, and you can control your stress!
the ones who end up with the stress and resulting headaches! The people we try to control go home, or simply ignore us, barely giving us a thought. That’s why it is so easy to build up resentments against other people in situations or jobs when we don’t think we have much control. On the job, it impedes productivity and healthy teamwork. People tend to blame other people. If you are stressed out because of others, it’s important to go through the steps of control, change and letting go. Unless you are ready to leave your job, family, or the planet earth, chances are you will continue working or being around the “stressful people.” Ask yourself if the other person is actually a “stress carrier,” or simply has a different style. Letting go is a process. It takes time, and doesn’t always happen at once just because we will it. We have to use our thoughts to control our emotions and our actions. Remind yourself that there are people and events you cannot control. All you can control is your attitude and your reactions. Its possible to change yourself-talk about the situation. Identify which stresses you can control, take appropriate action, and learn to let go of the things you can’t. Pick something in your life that stresses you out. Can you control it? If so, what can you do? Can you change it? If so, how? Perhaps you can only change or control a part of it. Do you need to let it go? If so, what can you do in order to let go?
You can learn to manage a great deal of your stress by asking looking at each stressor and asking yourself “Can I control it, can I change it, or do I need to learn to let it go?
You can view life as unexpected and exciting or you can view it as scary because you don’t know what the future holds. Take charge; take control or let it go. The choice is yours!
The “control, change, or let go” concept is an important key to stress management. We spend too much time worrying about things over which we have no control that we have no energy left to control the things we can. We become so overwhelmed, that we feel like our whole life is out of control and we’ll never catch up. Once you understand the “control, change, or let go” concept and start putting it into practice you will be able to deal much better with stressful situations.
Simma Lieberman is a trainer, speaker, consultant and coach with over 20 years of experience helping organizations and businesses meet the demands of modern workplaces. She is known for her ability to help people break down assumptions, build dialogues, and create healthy working relationships. Copyright© 2006, Simma Lieberman. All rights reserved. For additional information, contact the FrogPond at 800.704.FROG(3764) or email susie@FrogPond.com; http://www.FrogPond.com.
So much of our stress comes from trying to control other people, places and things when we simply cannot. We are
Written By Simma Lieberman
Doing the Impossible
here will the records stop? In 1954 Roger Bannister ran a sub-four-minute mile and it ignited the athletic world. In 1994, Eamonn Coghlan of Ireland, at age 41, ran a sub-four-minute mile. Incredibly enough, Kip Keino of Ethiopia, at age 55, ran a 4.06 mile. The fastest mile run to date [when this column was originally written] is 3:43.13 accomplished by Hicham El Guerrouj of Morocco. But back in 1954 more than 50 medical journals had published articles saying that the four-minute mile was not humanly possible. Doctors were warning athletes of the dire consequences to anyone who broke that unbreakable barrier. In the meantime, coaches all over the world, with stopwatches in hand, were encouraging their charges to do their best — but to forget about breaking the “impossible” four-minute barrier. Roger Bannister broke the barrier and changed that thinking by his performance. He refused to believe what others were saying because he didn’t want to limit his own potential. His breakthrough proved that the barrier was a psychological one, not a physiological barrier. Jerry Lynch, Ph.D., said that when you believe and think “I can,” you activate your motivation, commitment, confidence, concentration and excitement, all of
which relate directly to achievement. On the other hand, “Whether you think you can or think you can’t, you’re right in both cases.” Dr. Lynch says that the path to personal excellence is cluttered with obstacles. It is my own personal conviction that you can’t develop your full potential without encountering serious obstacles along the way. Dr. Lynch also says that you can’t stretch your limits without encountering some rough moments. You need to understand that failure and losses are acceptable learning experiences that can help improve your performance. This is true in every part of life, whether it involves athletics, academic achievement, business or sales success. It’s true that airplanes and kites rise fastest when they fly into the wind. Individuals grow stronger physically, mentally and spiritually when they are “tested” with resistance or opposition. Think about it and I’ll see you at the top! Zig Ziglar is a beloved author and America’s motivator. He is the author of 25 books and offers training and consulting to organizations all across the globe. To learn more about Zig and his business visit his website at www.ziglar. com.
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