Cathy Wiggin Executive Agent of the Month
INSIDE FEATURES: Troyce Hargis-Monroe Coldwell Banker Residential
William Ruiz U. S. Bank
Jason Sands Premier Realty
ORANGE COUNTY BRANCH 320 Commerce | Suite 100 | Irvine, CA 92602
Build a partnership with a direct lender that offers exceptional service.
John J. Reed
Branch Manager NMLS-391165
Branch Manager NMLS-869516
Senior Mortgage Advisor
Senior Mortgage Advisor
Valerie Dawson Senior Mortgage Advisor NMLS-1552910
Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Thomas Testerman Senior Mortgage Advisor
Senior Mortgage Advisor
Senior Mortgage Advisor
Jim Thiel NMLS-907893
We offer in-house agent marketing support providing the following services: POSTCARDS | FLYERS | VIDEO | PHOTOGRAPHY ÂŠ2019 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
Cathy Wiggin Bullock Russell Real Estate Services
Coldwell Banker Residential
U. S. Bank
S. ORANGE COUNTY - MAY, 2019
E XECUTIVE AGENT
5 Ways to Stay Positive When You’re Having a Bad Day -Matt Fore
Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 297-8323 Fax: (949) 266-8757 Fred@ExecutiveAgentMagazine.com www.ExecutiveAgentMagazine.com
ADVERTISERS’ INDEX What Do You Want Out of Life? -Tony Jeary
Catalyst Lending......................................................16 City of Hope....................................................34
Finance of America Mortgage...........................2 Kinecta Federal Credit Union...............................11 Michelle Fairless Photography..............................23 NAHREP..................................................................30
Wherever You Are, Be There -Jim Rohn
The Termite Guy......................................................3
Ticor Title Company...................................................36 VAREP............................................................................31
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.
Planning -Zig Ziglar
08 ExecutiveAgent Magazine
Troyce Hargis-Monroe An Unprecedented Real Estate Experience Written by H. K. Wilson
f the qualities of communication, trust and integrity are your formula for the ideal Realtor®, look no further than Troyce Hargis-Monroe. As a lifelong resident of Orange County, Troyce brings his local
Troyce committed the first part of his professional journey to his passion for food. During his successful 22 years in the food and beverage industry, he rose to corporate management and oversaw flourishing teams throughout the country. Eventually, he decided it was time for a new adventure. “I’ve always had a love for real estate,” he says. “When I made the decision to do it, I quit my job and gave it my full focus.” Troyce took up real estate with the same passion he had given to his first career, and his first clients ended up selling and having him represent them totaling over $1.6 million. Today, he is an award-winning agent at Coldwell Banker Residential Brokerage, Southern California’s number one selling agency. “I chose Coldwell Banker because I knew it was a company that could support my clients on a grand scale. I can work with anyone all over the world, and that access has allowed me to do deals specifically because of our affiliations worldwide.” Troyce’s grace and polish reflect his many years of corporate business training and certification in negotiations. “I worked in corporate management with some big companies, and they put me through personality profile training. I learned how to interact with all different kinds of people and their personalities, and how to immerse myself in different scenarios that may be uncomfortable and still be able to adapt. In this business, it helps me walk into any situation and handle both sides effectively.”
knowledge, professional know-how and personal care to every transaction for an unprecedented real estate experience.
Motivated by his love for people and genuine desire to help them achieve their goals, Troyce is relentless in delivering excellence. “I live by something a former boss used to say, ‘We build great ships at a profit if we can, at a loss if we must, but we build great ships.’ I’m about quality. I get to know people personally, what their goals are, and then do the work to make it happen. I love learning about people, where they’ve been, where they want to go, and how I can help with that.”
Clear communication is the foundation for the trust Troyce creates with his clients. “I don’t just hear; I listen. I think there’s a difference. I want to understand what someone is looking for, and I don’t sugar coat a situation — I tell it straight up. It’s important because I think a lot of people received sugar-coated information in real estate. If I’m working with a seller, I’m going to be honest with them about what their home is worth and show them the data that proves it. I want a quality listing, and I want them to succeed in selling their home for the highest price the market will actually deliver. Or a buyer could miss their dream home because they want to go in and low-ball an offer, and in certain markets you can’t do that. They’re relying on me to be the expert, and that requires honest communication.” Integrity is another hallmark of Troyce’s service. “My name reflects on every transaction,” he says. “It’s important that every aspect is done correctly and I show up as a full-circle professional, not only with my client, but with anybody I come in contact with. I make sure that everyone who is working on the deal — agents, escrow, title, lenders — is equally professional with my clients. Professionalism and communication make this business a whole lot better. The highest compliment is when other agents say to me, ‘It was great doing a deal with you. It went so smoothly.’” Troyce lives with his husband, Greg, in Ladera Ranch, where he is fully immersed in the community. “It is such an amazing community, and I sell the lifestyle here that goes with the home. I was born and raised in OC so I know a lot of the areas really well. We have a lot of friends here, and we love to entertain at home with good food, drinks and music. Our home is our happy place for being with friends and family. We also love to travel. London is our favorite destination, and my goal is retire as a London tour guide and lead people on tours to the behind-thescenes, local version of the city.”
“When it comes to client care and dedication, Troyce delivers the best possible service. With his extensive knowledge of the local neighborhoods and his top-notch negotiating skills, I am extremely confident that any person I send his way will be given the best real estate experience possible.” Troyce Hargis-Monroe Coldwell Banker Residential Brokerage 28051 Greenfield Dr., Ste. A Laguna Niguel, CA 92677 Tel: 949.220.4888 Email: email@example.com Web: www.Troyce.CBInTouch.com DRE # 01939173
When a client trusts him with their biggest investment, Troyce wants them to feel confident that they are making the right move. One client affirmed: ExecutiveAgent Magazine
f I were to ask the question, Would you like to improve your productivity dramatically without working any longer or any harder? Chances are pretty good that you would say, “That would be nice! I’d be more effective and I’d probably get a raise! I might even have more fun in the process.”
Question: How many of you, on the night before the day you were going on vacation, sat down and wrote out a list of the things you wanted to be certain to do before you left work the next day? Chances are extremely good that most of you would say you had done that. And most of you would also admit that you managed to complete more than twice the number of tasks you complete on a normal day. Now think about this for a moment: If planning your job on the day before you go on vacation increases your productivity, doesn’t it make sense that if you were to spend a few minutes every day before you start your work day contemplating what is really important and what you really need to accomplish, that you would have the same great results? And the chances are excellent – definitely better than good – that this process will attract favorable attention, probably leading to more job security, perhaps a raise, and maybe even a significant promotion. The reality is, productivity has a direct bearing on profitability, and all businesses are interested – very much so – in profits. Profitability comes from loyalty, productivity, and having a character base from which to work. So as you ponder this question, I hope you will seriously consider not only planning your schedule as you prepare to go on vacation, but that every day you will spend a few minutes before you go to work planning how you can be more effective that day It doesn’t take long to plan; it does take a lot of time not to plan, because without a plan of action, people will impose on your time with idle chatter and requests that take you away from the task at hand. Not only will you be less effective, but the effectiveness of the people, who
take your time for casual chatter, or in some cases gossip, will be greatly reduced and everybody, including management and leadership, will be very unhappy about that. Chances are good, regardless of the job market, the most productive people with the right attitude are the ones who really have more job security, and in most cases a better income. When you feel good about yourself and your productivity, you probably will also be performing better at home. When there is no job related stress you are more aware of your mate and children, if you are a parent. You will spend more time being better organized so you can spend more time having that balanced life that all of us are really interested in. Planning for a balanced life will enable you to deal with the physical, the mental, and the spiritual aspects of your life. It will also enable you to develop more friendships, and stronger, better, more lasting relationships. There are many benefits that go with making the plan a daily part of your life. Time well spent results in more money to spend, more money to save, and more time to vacation. It will allow you to attend more of your children’s ball games or school functions as well. A plan is always successful if the plan is good. And if you’ve been on the job for any length of time, you can develop a better plan of action so that everyone benefits from it. I’m talking about planning today for tomorrow’s future. Think about it. I promise you’ll be more productive, happier, healthier, and have a much better chance for increased income when you are secure in who you are, where you are, and what you’re doing. I sincerely hope you’ll take action immediately to get that plan into your daily life. 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.
9TH ANNUAL CHARITY GOLF TOURNAMENT TAX ID: 03-0511249
9TH ANNUAL CHARITY GOLF TOURNAMENT
JUNE 20 TUSTIN RANCH GOLF CLUB 12442 Tustin Ranch Rd, Tustin, CA
SHOTGUN START AT 9 AM
PER PLAYER INCLUDES:
• Green Fee • Cart Fee • Range Balls
• Lunch • Longest Drive Contest • Awards Mixer
SIGN UP AT WWW.PWR.NET/GOLF To Sponsor or Donate an Auction Item, please email firstname.lastname@example.org
banking done different
If you need
to close, we’re close by.
You need partners that you can count on to help you close. As a local direct lender, Kinecta Federal Credit Union knows what it takes to purchase a home in Southern California – and we have the mortgage solutions to prove it: Jumbo Loans
Portfolio Investment Property Program
• Now up to $4 million • Up to 50% DTI • As low as 5% down
• 30-year amortization, due in 15 years • $871,450 max. loan amount, as low as 620 FICO • 1-4 unit properties • Customized and competitive pricing without Fannie Mae standard loan level pricing adjustments!
Government Programs • Approved FHA Lender • VA Loans
Let’s close the deal – Contact us. Andy DeLuca Sr. Mortgage Loan Consultant cell: 949.291.7189 NMLS# 440903 email@example.com www.kinecta.org/adeluca
Chae “Jake” Kim Mortgage Loan Consultant cell: 714.679.3710 NMLS# 346847 firstname.lastname@example.org www.kinecta.org/ckim
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. 21824OC-01/19
n Orange County native who graduated from Dana Hills High School and was a member of the surf team, Jason Sands knows SoCal. And with a name like Sands, it is fitting that he grew
up to become a real estate professional who helps people find their piece of beachfront paradise in one of South Countyâ€™s sought-after coastal communities.
Delivering Service With Distinction Written by H. K. Wilson
Always an entrepreneur, Jason purchased his first home at only 18 years old. “It was a HUD home in Lake Forest,” he recalls. “The mortgage was only $400. I eventually sold it for a profit and went on to buy and flip subsequent properties.” Jason became a licensed Realtor® in 2005, alongside his work as a brand ambassador for Porsche Newport Beach. A car enthusiast himself, Jason loves working around these precision machines. “If someone buys a house from me, I can give them a ride in a Bugatti,” he says. “It has 1,500 horsepower and is a once in a lifetime experience!” Accustomed to working with elite clientele, Jason is adept at meeting the highest expectations for service and professionalism. “I believe in giving the same attention to anyone, regardless of the price of a home. I present them with as many options as I can so they can make an informed decision when buying or selling.” Jason’s reliability and negotiation skills set him apart from others in the industry. “A lot of salespeople make initial contact and then never follow up or do what they say they will. I make a lot of personal contact with clients, whether through text, email or phone calls, whichever is most comfortable for them. In a purchase transaction, my favorite part of the deal is the negotiation. I keep my client informed and realistic as far as what can be done, setting expectations initially. I also build camaraderie with the other agent. By treating everyone in a transaction with respect, I can help my client get the best deal.”
With his extensive experience buying and rehabbing properties, Jason can advise buyers about what is possible, helping them see past what a property is today and reimagine it as something greater. “I love the architecture of homes and seeing different projects come to life. I can look at the bones and see what a property could be. Some people just look at price, but I can look at the market data and identify what could potentially be a profitable purchase. Some of my clients have made quite a lot of money on a house they weren’t initially interested in. I also have a number of contractors and vendors I work with, and I can give my client work samples and prices so they know ahead of time exactly what a project will entail.” Jason is a certified Microsoft engineer, and he uses his technology background to leverage digital media platforms, giving his listings maximum marketing exposure. “Technology has changed the real estate industry a lot, and buyers are so much more savvy than they used to be. I focus on using social media and YouTube videos to make my clients’ homes stand out from the rest.” With his combination of local knowledge, business savvy and persistence, Jason is delivering service with distinction. “Owning a home is a fulfilling experience in life. For me, helping people through that process is the greatest reward.”
Jason’s lifelong relationships and business connections bring value to his clients during any real estate transaction. “When I’m selling a home, a lot of times I have people from my own network lined up ready to see it. This is a benefit that comes from the longterm relationships I build with people. I make it a point to check in with them every once in a while and let them know what’s currently available on the market. I keep a list of what people are looking for so I can keep them informed when something has opened up.”
Jason Sands Premier Realty 4858 Mercury Street San Diego, CA 92111 Tel: 949.292.1280 Email: email@example.com DRE # 01495198
5 Ways to Stay Positive When Youâ€™re Having a Bad Day Written By Matt Fore 14
t’s Murphy’s Law. The line you get in at the department store doesn’t move because there is a lady at the register who waited until the last minute to dig through her overstuffed wallet for a coupon. So you change checkout lanes only to get stuck behind a man digging through a deep pocket for exact change.
We all have bad days when it seems like nothing is going right. But few can compete with Charles, a man who experienced a lifetime’s worth of bad news in a single day. Charles lived a stressful life. He worked from morning until night without any spare time for annoyances. Little did he know, when he woke up one morning, he had already lost more than $200,000—embezzled from his inheritance by a family “friend.” In an unrelated turn of events, he lost his job the same day. That evening he discovered his wife was filing for divorce. We don’t have control over the way life plays out, but we do not have to be a victim to its tyranny. With a few savvy insights and positive action steps, we can power through almost anything that comes our way. Here are five ways to stay upbeat and positive, even when life is not cooperating: 1. Develop a plan. Often we just feel “off” and we let it affect our day without finding out what it is that made us feel down in the first place. So identify what’s making you feel despondent. Be specific. And once that is done, make a plan. Write out what you can do to turn around your sour mood. In her Psychology Today article, “Thirteen Small Decisions That Will Ease Anxiety,” Meg Selig writes, “If you start to ruminate over a situation that you’ve already planned for, tell yourself, ‘Stop, I’ve already made a plan.’” The very act of identifying and planning can result in tremendous stress relief. 2. Associate with winners. We tend to think like the people we hang around. That’s not news, but how often do we stop and notice who we talk to every day? The group that laments over a two-cent gas hike is not likely the same group that discusses the latest stock options. It’s two different mindsets. The greatest investment for the worrywart is to find a cell of positive-
minded, successful people. How did they get where they are? How do they think? Let the osmosis begin. 3. Speak positive words. We tend to believe what we say. Our minds literally go in the direction of our words. Of course, we can’t talk ourselves into being taller, but we can have a more positive outlook by noticing the good, anticipating a positive outcome and speaking it out loud. It’s almost impossible to shout, “I feel fantastic!” and be depressed at the same time. A few verbal affirmations throughout the day will go a long way toward lifting your spirits. 4. Laugh anyway. There is so much to stress over these days—politics, the economy, the ozone layer, the missing button on your favorite shirt. Still, there is a consensus among many medical professionals that laughter will do you a world of good. In fact, the Mayo Clinic article “Stress relief from laughter? It’s no joke” says, “A rollicking laugh fires up then cools down your stress response and it can increase your heart rate. The result? A good relaxed feeling.” To stay upbeat and positive, make laughter a deliberate part of your arsenal against the blues. 5. Execute. Once you’ve identified what deflates your spirit, made a plan to overcome it and developed some mental weapons, it’s time to bring out the big guns. Put your thoughts into action. It’s hard to worry about a problem while you are busy solving it. This is no time to be passive. Get angry. Get aggressive. Attack your problems with a vengeance. What right do they have to destroy the pleasure you get out of life? The physical act of execution is a diabolical weapon against whatever ails you and can create a surprising sense of bliss in the midst of the turmoil. Charles, who arguably had a much worse day than you, adjusted to his loss and even forgave his thieving friend. He used his skills to move forward in a new career and met a beautiful woman in the process. He learned a lot about himself, found some new priorities and doesn’t stress about the length of a department store checkout lane. He is happier than he has been in a long time and looks for opportunities to share his success with others. If Charles can do it, so can you.
Dave Brown NMLS #20868 | CA BRE # 01093581 Branch Manager 25910 Acero Road, Suite 150 Mission Viejo, CA 92691 714-345-0914 cell 714-783-1889 office
firstname.lastname@example.org © 2019 American Paciﬁc Mortgage Corporation (NMLS 1850). All information contained herein is for informational purposes only and, while every eﬀort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an oﬀer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity. Branch NMLS #41395 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | UT DRE Mortgage Entity License 5204956
Cathy Wiggin Executive Agent of the Month
Cathy Wiggin “It’s Your Move” Written by H. K. Wilson - Photography by Michelle Fairless
range County Realtor® Cathy Wiggin knows that buying or selling a home is about so much more than a change of address. A real estate transaction is the center of a major life transformation, one that will likely define your day-to-day experience for years to come. “This movement from one home to another is a life transition,” she says. “Moving is such a stress and expense for most people. I want to help make their move the best it can be for their unique circumstances.”
Imagine that you’re a retiring couple who needs to downsize to a single-story home, or upsize to that lure home with extra space and a yard with pool where the family can gather. Or maybe you’re a young family with growing teens who need more bedrooms and yes — bathrooms! Or perhaps you’re a person seeking your very first home, but
you’re uncertain about how to begin. Cathy understands the nuances of each of these scenarios, and she has the expertise to help you find the perfect home in the ideal community for the best price. Although she didn’t always know it, Cathy has been training to become a Realtor® throughout her career. She earned her Bachelor’s degree in Business from the University of Denver, and spent her early professional years in the hospitality industry. Cathy went on to a successful career in corporate sales, and later, devoted time to raising her children and doing volunteer work in LA’s South Bay. The common thread in all of these experiences is that each one enhanced Cathy’s ability to connect with people in a meaningful way.
â€œWorking in hospitality requires a lot of immediate interaction with complete strangers to make them feel at home. You have to find something with which to instantly build a rapport. In corporate sales, I helped solve problems for decision makers. Doing volunteer work, I developed a lot of deep ties to people in my community.â€? After raising their children, Cathy and her husband
relocated to Rancho Santa Margarita. This is where Cathyâ€™s real estate journey began. After buying and selling a number of her own homes over the years, she says she always observed what did and did not work about the experience. She decided that with her combination of skills and knowledge, she could make a positive difference in the way other families experienced buying or selling a home.
Client Focused Results Cathy’s first full year in real estate was a tremendous success, ending with the closing of a $5 million transaction in Newport for a prominent client. “It was a referral from a friend, and was a full-immersion experience at that point in my career. The ‘OC Register’ even did an article about it.” Her real estate success has steadily continued, and today she is a top-producing agent among some of SoCal’s finest professionals at Bullock Russell Real Estate Services. Delivering on her clients’ needs begins with two impor-
tant actions: listening and setting expectations. “I make it a point to really understand what it is that someone is trying to accomplish — what they are looking for in a home and why. That means I have to listen without making assumptions. The same things apply in the negotiating process. Whether I am representing a buyer or seller, my main goal is to stand up for my client and their needs. I try to set the table initially with other agents, so everyone has clear expectations about what my client needs, wants and is willing to do. I’m looking out for my clients’ best interests throughout the entire process.”
Cathy’s skill at listening and delivering solutions is demonstrated well by a recent transaction. She was helping a couple, both professionals, find the right home for their family with three young children. As Cathy listened to their goals, she realized that the area they thought they wanted to purchase in was probably not the best fit for the lifestyle they were seeking. She directed them to a home in Coto de Caza, and here is the result: “Cathy Wiggin is by far the best real estate agent we have ever encountered. Her genuine care for her customers shines through in everything she does. She was not only committed to finding the perfect home for our family, but she was committed to making the process a smooth, fun and exciting experience. She went out of her way to help us seamlessly enter into our new community. She did above and beyond tasks such as researching neighbors and schools all the way to sitting in our new home waiting for a painter to arrive on her lunch hour and bringing us pizza and drinks on move day. Cathy’s work was truly flawless and it was nothing but a pleasure to work with her. If you’re buying a house anywhere in
Orange County, there is no person to have as your agent but Cathy Wiggin.” Cathy has been known to make miracles happen for her clients through her many deep connections with people in her profession and community. “Working well with other agents is so important. We both have a goal of helping our clients, and we have to work together to make sure they both get what they want. Thinking outside the box and having relationships with other agents can lead to offmarket opportunities and add such value for my clients.” True to her motto, “It’s Your Move,” Cathy is fully committed to listening to her clients and then making their goals a reality. “Each and every home sale is more about a life transition than it is about property. I’m here to facilitate that in a way that removes the burdens from my clients’ shoulders and makes the experience a happy one!”
Cathy Wiggin Bullock Russell Real Estate Services 30342 Esperanza, Rancho Santa Margarita, CA 92688 Tel: 949.647.3333 Email: email@example.com Web: www.cathywigginhomes.com - DRE # 01983984 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
What Do You Want Out of Life? Written by Tony Jeary
ood things don’t usually come through happy accidents. The most successful people design their own lives and then live their lives with purpose. Their first step is attaining clarity.
I define clarity as understanding and documenting your personal and professional goals, and determining the “why” behind reaching them. It’s vital to developing a clear vision, outlining priorities and objectives, and tackling goals with a real sense of urgency and focus. Clarity is achieved when we know where we are in relation to where we want to go. Without clarity, it is almost impossible to generate the kind of focus necessary to act swiftly and deftly on a daily basis. If you have no clear vision, there is nothing to tie your objectives to and nothing to measure your progress and performance against. When you have clarity about your vision, you discover yourself being pulled toward it, and all you have to do is follow the connecting opportunities that carry you along, allowing you to mark your victories faster and faster. Think about a time when you’ve been excited and regenerated at the thought of achieving a big goal. There’s nothing like that adrenaline rush. When you have clarity, you get that excitement, building and fueling your energy. Clarity and focus together form the basis of execution. So get completely clear about the things that you want, and then take action.
E XECUTIVE AGENT
William Ruiz Written by H. K. Wilson
n honor of Hispanic Heritage Month in 2018, U.S. Bank featured Loan Officer William Ruiz as an example of someone who is passionate about helping families achieve the American Dream. An
immigrant who came to the United States when he was just 19 years old, William says he is proud to help others attain the elevated quality of life that comes with home ownership. “When I came here, I was not only able to assimilate to the culture and become successful professionally, but with it I have been able to help other families, no matter where they are from and to realize the American Dream. The American Dream is not just for foreigners, rather it’s for everyone.” William began his industry career working in the builder/ developer sector. After learning more about real estate, he realized that finance was his true calling. Throughout his 20-plus years in the business, William has worked with some of the world’s largest financial institutions. Along the way, he has managed top-producing sales teams and won national production awards. For the past five consecutive years, U.S. Bank has been recognized as one of the World’s Most Ethical Companies by the Ethisphere Institute, an agency committed to defining and advancing global standards for ethical business practices. U.S. Bank’s solid values and array of consumer-driven programs and systems have opened an exciting new chapter in William’s mortgage lending career. “We have products for people with all kinds of incomes, and we do a variety of loans for underserved markets. I love working with first-time buyers.”
Member of FDIC
William also values U.S. Bank’s advanced technology platform. “It’s so important to be tech savvy and up-to-date. We understand that consumers are looking online for real estate and loans, and we want to connect with them in ways that are efficient and convenient. Our online loan application is a user-friendly program that allows the customer to fill out and submit their loan with me as the copilot. I can be there with them while they complete the application. The system keeps track of all the documentation that has been sent and what is still needed, and the borrower can see updates at the click of a button. Buying a home is a very emotional process for most people, but this makes it easier to explain why things are needed and to be proactive about the process.”
Humanity. The homeowner was a Korean War veteran. “In the end, his home was spotless, and we went home feeling great. These are the kinds of things I look for when I want to be part of an organization.”
In addition to William’s many years of professional experience, he is also an industry leader who gives substantial time to various organizations that promote education and home ownership. He has served on the board and committees for the National Association of Hispanic Real Estate Professionals (NAHREP), and in 2015, he was recognized as one of the top 250 loan originators in the nation. In 2019, William was asked to serve in leadership for the Asian Real Estate Association of America (AREAA). William is also an avid supporter of the Veterans Association of Real Estate Professionals (VAREP). “Nothing brings me more joy than helping someone who has served our country realize their American Dream.”
William Ruiz NMLS ID 455510 U. S. Bank 17700 Castleton St., Ste. 538 City of Industry, CA 91748 Cell: 213-700-1190 Office: 626-923-3567 Email: William.Ruiz@usbank.com Web: https://mortgage.usbank.com/williamruiz
William remembers the difference home ownership made for his own family many years ago, and he describes what the American Dream means to him. “Our kids were finally able to play outside and paint their room any way they wanted. We made a game room in the garage so their friends could come over. This is the beauty of owning your own home. It means having a life that feels more stable, and a place to enjoy moments together.”
Recently, William and his U.S. Bank colleagues participated in a home makeover with Habitat for
The American Dream Is For Everyone ExecutiveAgent Magazine
Wherever You Are, Be There
nce we master the art of being, we open the door to a lifetime of happiness.
One of the major reasons why we fail to find happiness or to create unique lifestyle is because we have not yet mastered the art of being. While we are home our thoughts are still absorbed with solving the challenges we face at the office. And when we are at the office we find ourselves worrying about problems at home. We go through the day without really listening to what others are saying to us. We may be hearing the words, but we aren’t absorbing the message. As we go through the day we find ourselves focusing on past experiences or future possibilities. We are so involved in yesterday and tomorrow that we never even notice that today is slipping by.
Lifestyle is learning to be wherever you are. It is developing a unique focus on the current moment, and drawing from it all of the substance and wealth of experience and emotions that it has to offer. Lifestyle is taking time to watch a sunset. Lifestyle is listening to silence. Lifestyle is capturing each moment so that it becomes a new part of what we are and of what we are in the process of becoming. Lifestyle is not something we do; it is something we experience. And until we learn to be there, we will never master the art of living well. 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.
We go through the day rather than getting something from the day. We are everywhere at any given moment in time except living in that moment in time.
Written By Jim Rohn ExecutiveAgent Magazine
IN ADDITION to the analysis on homeownership
trends and nuances influencing household formation, this yearâ€™s report has an increased focus on to the impact of language and culture in the home purchase transaction and includes recommendations on marketing strategy to more effectively reach the Hispanic consumer.
DOWNLOAD THE REPORT TODAY: hispanicwealthproject.org/shhr
HELPING MILITARY & VETERAN
FAMILIES REALIZE THE
AMERICAN DREAM! 2,600 + VETERANS
EDUCATED ABOUT HOMEOWNERSHIP
1,500 + FAMILIES
WHO WE ARE Established in 2011, the USA Homeownership Foundation, Inc. DBA Veterans Association of Real Estate Professionals (VAREP), is a nonprofit 501(c)(3) organization dedicated to increasing sustainable homeownership, financial-literacy education, VA loan awareness, and economic opportunity for the active-military and veteran communities.
WERE HELPED THROUGH VAREP CARES
750 VETERANS PLACED IN HOMES THROUGH OUR PROGRAMS
UPCOMING LOCAL VAREP EVENT VAREP Orange County - Golf Tournament September 14, 2018 Tustin Ranch Golf Course 12442 Tustin Ranch Rd, Tustin, CA 92782
66 HOUSING SUMMITS TO EMPOWER VETERAN HOMEOWNERSHIP
WHO CAN JOIN? Any individual regardless if you have served or not. VAREP and its members represent and work within all sectors of the real estate, housing and financial services industries... WE WANT YOU!
VAREP San Bernardino - Veterans Housing Summit Saturday · September 22, 2018 Check In 8:00AM Event 9:00AM - 2:00PM Ontario Chamber Of Commerce Education Training Room 3200 Inland Empire Blvd., Ste 130 Ontario, CA 91764 VAREP San Diego - Golf Tournament September 26, 2018 Riverwalk Golf Club 1150 Fashion Valley Road · San Diego CA 92108 View the full VAREP Events Calendar at:
info@VAREP.net | w w w .VAR EP. 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
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. 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. 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.
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. 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. 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.
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
WE LIVE TO CURE CANCER. Science saving lives. cityofhope.org/bmt
11/25/13 6:02 PM
You too can tell us your story and be featured in a local issue of Executive Agent Magazine.
Cover and Feature story profiles Building wealth and visibility for real estate professionals and businesses alike Executive Agent Magazine, builds visibility for real estate professionals and associated businesses through original and thought provoking feature stories. Each issue showcases extraordinary real estate professionals who are breaking new ground and accomplishing exceptional goals in the local real estate industry. For more information please contact:
Fred@ExecutiveAgentMagazine.com - 949.702.9577
LiveLook Innovative Technology designed to give you 24/7 access to all of your transaction information!
Interactive Preliminary Title Report
What do I get with LiveLook Prelim?
• Escrow processing just got easier • Easy to read summary page including vesting, file number, form of policy and property type • Upload/Return documents through our SECURE Smart Portal • Exceptions are highlighted so the real estate professional knows what is sensitive on the file • Quick link to Documents, Property Taxes, Supplements, Water Rights, Easements, CC&R’s, Grant Deed, Deed of Trust and more • Quick Share feature allows recipients to send the LiveLook to others • Option to sign up for file updates • Provides access to Request CPL, Request Proposed Insured, Order Update and Blank Forms • Realtors can order Property Profiles and FARMS from the system
1500 Quail Street 3rd Floor • Newport Beach • CA 92660 Office phone: 714.289.3300 or 877.888.2842 ticoroc.com • ticortitleblog.com • ticorcommercial.com • ticorhospitality.com © 2018 Ticor Title Company