NATIONWIDE MORTGAGE 12-19-22

NATIONWIDE MORTGAGE EDITION

HOW TO CUT DOWN ON DIGITAL DISTRACTIONS AND UP YOUR PRODUCTIVITY

Turning Your Profession into a PASSION

6 Things You Need to Do to BE A GREAT MENTOR

FEATURED LENDERS

JOSH EGNOSKI ANDREW LORANGER ASHLEY MCKENZIE-SHARPE CHUCK POULIN CLAYTON PORTER KARYN McALPIN LAUREN JUHL REBECCA SHEARER

DAILY HABITS THAT WILL INCREASE YOUR MENTAL STRENGTH

COVER STORY

AMIR ZANDIFAR

mailto:mag@topagentmagazine.com

Top Agent Magazine

3

and they don’t care for sudden changes in procedure or lifestyle. They also like activities they can start and finish.

Compliants are thinkers. They’re always wondering how things work.

They want practicality, logic, fairness and a systematic approach. When talking to thinkers give facts, documentation and data. They seek accuracy.

They’re motivated by standards of high quality, limited social interaction, detailed tasks and logical organization of information.

7 Deadly Sins of Personal Branding

some personality assessment tools can cost thousands of dollars, but at Corcoran Coaching, we’ve opted for a much more affordable offering: a free DIsC assessment. Just visit www.corcorancoaching.com/behavioralstyle. php and you’ll be guided through a quick questionnaire to learn your own What is a style ‘personal Just likeothers com- as sistently dominant andbrand’? how to read well. (across all marketing platforms), pany or product branding, it’s built around a well-defined brand can elevate agent recimaging and messaging that is designed to ognition and help to establish credibility Yes, understanding people, listening to their needs and wants and responding create a feeling. And in the case of personal and authority. However, when executed appropriately all takehow work But because realare estate is a people branding, it influences you and wantattention. others incorrectly, the effects lackluster at best, business, it’syou. simply a must. the and better at itatyou become, to feel about From your photosAnd to other harmful worst.

To help the you better avoid living as an or broker. brandyou’ll images,make elements andagent even content, theI promise. pitfalls of personal branding, we’ve there is a lot that goes into creating your compiled a list of what we feel are the 7 unique brand.to Displayed Best of luck you! correctly and con- deadliest sins.

Copyright©, 2015 BubbaNO Mills.

All rights reserved.

DIFFERENTIATION Branding about being known forvicereal estate agent who expressed to us that Bubba Mills isis not co-owner and executive president of Corcoran Consulting and Coaching Inc. (www.corcorancoaching.com/programs, 800-957-8353), an in international your profession.

It’s about being known she was already well branded her area. consulting coaching that performance coaching and for being and different in yourcompany profession.

If specializes She stated,in“When I walk into a restaurant theallimplementation of sound business systems into Real Estate Companies, Mortgage agents were the same, how would your in my community, people already know Companies and Small Businesses. Bubba Mills is a nationally recognized inspirational customers know who to choose? Lack of I’m a real estate agent.” And while that and education speaker, coach and mentor to the top real estate agents and mortgage differentiation is out by more far the #1 personal is a great start, it’s nowhere close to succompanies.

To find about Corcoran Consulting & Coaching, call 1-800-957-8353 We love to tell the story of a cessful branding. Let’s assume I walked or branding visit us at sin. www.CorcoranCoaching.com.

4

Top Agent Magazine

into that restaurant and noticed her. But I also noticed two other agents in the same restaurant. Now, who do I choose? Which

‘brand’ stands out to me? What lets me know that one of them is uniquely positioned to serve my needs?

and they don’t care for sudden changes in procedure or lifestyle. They also NO FOCUS like activities they can start and finish.

In business, you can’t be all things to all side of your specific focus. That would be people. Many have and failed.

In or- always quite difficult.

It does mean over work. time Compliants are tried thinkers.

They’re wondering howthat, things der to have business and brand, doneacorrectly), you approach. will do moreWhen and They wanta successful practicality, logic, fairness(ifand systematic you must define yourfacts, ideal custommore ofand the data. exact They kind ofseek business you talking toclearly thinkers give documentation accuracy. er and how you will super-serve that cus- want, and conversely, even stop doing They’re motivated by standards of high quality, limited social interaction, tomer. In other words, declare and develop the kind of business you don’t want. And detailed tasks and focused, logical itorganization of information. a specialty.

By being does NOT that’s what a great brand is designed to mean that you stop doing all business outaccomplish.

some personality assessment tools can cost thousands of dollars, but at Corcoran Coaching, we’veNO opted for a much more affordable offering: a free AUTHENTICITY DIsC assessment. Just visit www.corcorancoaching.com/behavioralstyle.

Recognizable personal brands can be very You should be able to ‘breathe your brand’ php and you’ll be guided through a quick questionnaire to learn your own clever and memorable, but if your brand in everything that you do. This is importdominant andlast. how to read as well. isn’t ‘you’,style it won’t If you try toothers put ant not only for your customers, but perout a persona that is different from your haps most importantly for you. There is Yes, needs and wants responding ownunderstanding and the way you people, live yourlistening life, peo- to their a tremendous amount of and confidence that ple will take notice overwork time. and The attention. most comes knowing youisare who appropriately all take Butwith because realthat estate a people incredible it’s personal brands weaveAnd pro-theyou portray, that become, you have the business, simply a must. better at itandyou thehabits, better fessional and personal qualities into one. inspiration, knowledge and expertise to living you’ll make as an agent or broker. I promise.

Your brand becomes an extension of you. back it up.

Best of luck to you!

NO CONSISTENCY

You can have a2015 recognizable memocards, postcards, brochures, etc. Other peoCopyright©, Bubbaand Mills.

All rights reserved.

rable brand, but if you don’t display those ple don’t see them nearly as often, so don’t branding correctly consis- viceapply or compare your own habits and Bubba Millselements is co-owner andand executive president of Corcoran Consulting and Coaching Inc. all (www.corcorancoaching.com/programs, an international tently across of your marketing plat- exposure to 800-957-8353), theirs. Repetitiveness in marconsulting and coaching company that specializes in performance coaching and forms, it does you little good. In order to keting is not only a good thing, it’s essenthe implementation sound systems Real Estate Companies, Mortgage accomplish this taskofwell, youbusiness must step tialinto for retention.

Once you determine the Companies and Small Businesses. Bubba Mills is a nationally recognized inspirational back from your marketing and see it the overall messaging and look of your brand, and education speaker, coach and mentor to the top real estate agents and mortgage way others To do.find Youout seemore yourabout socialCorcoran media Consulting that look should continuecall across literally companies. & Coaching, 1-800-957-8353 every day. You see your business every marketing platform you touch. orchannels visit us at www.CorcoranCoaching.com.

Top Agent Magazine

5

NO CONTENT The ultimate goal of personal branding is comfortable producing is the key to keeping to become known as an authority in your it simple. No one wants to be bogged down andchosen they niche. don’t That caremeans for sudden or lifestyle.

They also withprocedure producing content.

But on the flip side, that youchanges must in likedemonstrate activitiesthe they can start and finish. knowledge, expertise and/ no one knows how much you know until or experience to back up your position. you share it. Great content demonstrates your knowledge and how helps your customers Content that are best expresses youThey’re and your always Compliants thinkers. wondering things work. the asame time. In addition, it serves anbrandwant couldpracticality, be as simple logic, as a series of at They fairness and systematic approach.

When other purpose with search engine optimizaphotos, quotes, e-books, video shorts, etc. talking to thinkers give facts, documentation and data. They seek accuracy.

Choosing the type of content you’re most tion and attracting prospects online.

They’re motivated by standards of high quality, limited social interaction, detailed tasks and logicalNO organization of ACTION information.

CALL TO

You’re spending money to market across using other people’s money’. Your call some personality assessment tools can cost thousands of dollars, but at multiple platforms, so why not take the to action may change with different marCorcoran Coaching, opted for more affordable offering: keting channels or purposes, buta free you opportunity to extendwe’ve an invitation fora much DIsC Just with visityou? www.corcorancoaching.com/behavioralstyle. your assessment. prospects to engage It can should always, always have one. If you want people to do something, tell them a simple call be to action, such as ‘call me phpbeand you’ll guided through a quick questionnaire to learn your own you’d like them to do. That’s how you first’ or more ‘contact me others for a aswhat dominant stylespecific, and how to read well. free home staging assessment’ or ‘download my e-book and learn how to invest

move prospects one step closer to becoming customers.

Yes, understanding people, listening to their needs and wants and responding appropriately all take work attention. But because real estate is a people NOand FOLLOW-THROUGH business, it’s simply a must. And the better at it you become, the better with hundreds of agents, folWhyyou’ll is this included in branding, living make as an agentyou or may broker.munication I promise. ask? Because your brand is your bond. It’s low-through is at the top of the list when it comes to customer complaints. You don’t your handshake. When you say you’ll do Best of luck to you! something, how can people trust you if want to be that person. Putting an incredible you don’t follow through with your prom- message and image out there isn’t enough. must live up to those standards with ise? This is often elementMills. that people Copyright©, 2015theBubba All rightsYou reserved. forget altogether. And in fact, in our com- every customer, every transaction

Bubba Mills is co-owner and executive vice president of Corcoran Consulting and Coaching Inc. (www.corcorancoaching.com/programs, 800-957-8353), international ® Tonya Eberhart is the Branding Agent to Business Stars and founder ofan BrandFace , LLC. ® consulting andMichael coaching specializes in performance coaching Carr is company America’s Topthat Selling Real Estate Auctioneer & BrandFace partner. and the implementation of they sound systems into Real Estatedesigned Companies, Mortgage Together, focusbusiness on personal branding and marketing to help real estate ® professionals become theBubba face of their & a star in their market. BrandFace Companies and Small Businesses.

Millsbusiness is a nationally recognized inspirational Real Estate Professionals is a book, speaking and and an exclusive and educationfor speaker, coach and mentor toprofessional the top real estateseries agents mortgage workshop for agents, and is currently active in 18 U.S. states, Canada and New Zealand. companies. To find out more about Corcoran Consulting & Coaching, call 1-800-957-8353 For more information, visit www.BrandFaceRealEstate.com. or visit us at www.CorcoranCoaching.com.

6

Top Agent Magazine

AMIR ZANDIFAR Top Agent Magazine

7

Mortgage lender Amir Zandifar is the branch owner of Veritas Funding, presiding over a team of 20 people. His office currently does $650-750 million in loans annually—offering a diverse range of loans.

Amir Zandifar is a mortgage lender and Branch Manager of Veritas Funding in Scottsdale, AZ. He got his start in the business working for a small lender in California, quickly becoming their top producer. He was then promoted to sales manager – the youngest they had, at 19 years old. Amir then moved on to a bigger company, Loan Depot, gaining more experience there, and has now been in the industry for 6 years.

8 Copyright Top Agent Magazine

Now Amir is the branch owner of Veritas Funding, presiding over a team of 20 people which is set to expand to about 30 by the end of the year. His office currently does $650-750 million in loans annually, and offers a diverse range of loans: reverse mortgages, interest-only loans, construction loans, and first-time homebuyer loans, just to name a few. He has also founded the company’s Consumer Direct platform, pioneering Top Agent Magazine

direct lending in an effort to develop a more consumer-centric lending culture at Veritas.

Amir’s office has several sources for referral business. Real estate agents constitute a considerable wellspring of referrals, and Consumer Direct also allows Amir to contact past customers directly after loans are funded in order to receive Top Agent Magazine

referrals that way as well. In addition, Veritas uses multiple referral and marketing sources, such as mailing, warm transfers, and many types of online leads. Amir affirms that his company’s skilled and efficient processing team is what truly keeps referral clients coming back. He explains that when loan officers bring in business, Veritas makes use of a very easy and effective Copyright Top Agent Magazine 9

As the owner of the company, Amir is able to work on teaching others, witnessing their success, and cultivating a business culture which primarily concentrates on the customer experience system with day-one certainty, getting everything approved immediately. Whenever there’s a new customer, as soon as all the necessary documents are ascertained, the team processes it all extremely fast. Veritas generally has purchases finished in about three weeks. Keeping in touch with referral partners is also important, 10Copyright Top Agent Magazine

and Veritas’ loan officers make sure this is done.

They maintain strong relations, attending meet and greets, open houses, and more.

Veritas’ marketing is handled by a very strong PR team, which ensures a high level of online presence through easily available reviews (on Top Agent Magazine

Yahoo, Google, and Business Insider) and marketing campaigns through Facebook and Instagram. The office also makes use of mail, call centers and contact centers for more direct marketing.

When asked what he likes most about his current position, Amir speaks with a veteran’s Top Agent Magazine

viewpoint. He explains that, having been a top agent since his start at 19, he has finally reached a point at which he can shift the focus from his own growth to that of his team. Now, as the owner of the company, he is able to work on teaching others, witnessing their success, and cultivating a business culture which primarily concentrates on the customer experience.

Copyright Top Agent Magazine11

Amir’s contribution to his community takes the form of regular donations to UCP, or United Cerebral Palsy, a nonprofit for people with disabilities which he was made aware of by a friend with a disabled child. Amir certainly prioritizes health and awareness, spending his free time working out, meditating, and reading. His plans for the future

involve developing four different revenue systems for Veritas: Consumer Direct, referral business, specialized products, and online revenue. With all of these projects under way, Amir and his team will continue to offer top level loan services with lightning fast processing and a nuanced understanding of the business.

For more information about Amir Zandifar please call (949) 353-4272 or email azandifar@vfund.com

12Copyright Top Agent Magazine

Top Agent Magazine

6 Things All Successful Negotiators Do If you think about it, you’ve been negotiating your whole life. As a kid you negotiated constantly with your family, your teachers, and your classmates. If you’re a parent, you’re negotiating probably more than you ever have in your life. But it’s one thing to negotiate staying up late on a school night, people oftentimes have trouble translating those real world negotiation skills into the business world. But the truth is there are a lot similarities.

Expert negotiators all have skills and techniques they bring to the table. It’s quite possible you also have them, and don’t even realize Top Agent Magazine

it. Here’s a look at some traits that are common among expert negotiators.

1. They keep emotion out of the process It’s very easy to feel frustrated, angry and defensive during a negotiation process. But when emotions run high, it’s often difficult to respond with logic and reason. This can be especially difficult if the person you’re negotiating with tries to escalate the situation. As the saying goes, keep calm and carry on. You

Top Agent Magazine

13

have an end goal in mind, and getting heated won’t help you meet it. If things don’t go your way, remember it’s not personal. Best to leave the table with no hard feelings. Hopefully even though you may not have gotten what you’ve wanted this time around, you’ve established a foundation for success at your next try.

2. They’re reasonable If you don’t ask for what you want you’ll never get it, but at the same time, you need to be reasonable about what you’re asking for. Yes, ask for a little more than you want, so you have some wiggle room to compromise. But if you ask for too much too soon, you might shut down the person you’re negotiating with from the start, or even worse offend them. No one wants to feel like they’re being taken advantage of. Ask for what you deserve and you’ll never go wrong. At the very least you might start the conversation on how that might be possible down the line, if it isn’t just yet.

3. They’re well-prepared Part of being reasonable is being well-prepared. One of the biggest mistakes novice negotiators make is showing up over-confident and under prepared. Have the research and facts to back up what you’re asking for. Show your negotiation partner evidence of why what you’re asking for is not only fair, but necessary. Facts are hard to shoot down. This will also give you the confidence to really push for what you want. It’s not just something you think, it’s something that’s undeniable true. If you go in unprepared you’re more likely to flounder, which will damage your credibility going into future negotiations.

14

4. They always strive for a win/win solution for everyone Yes, negotiations are about getting what you want, but as the old saying goes, you get more flies with honey than vinegar. Your negotiation partner might also have reasonable requests that you need to consider. Ultimately, successful negotiations are about compromise on both sides, and ending up with an outcome that benefits everyone.

5. They’re creative Problems and conflict are a natural part of any negotiation. One surefire way to impress, is to head off any impending roadblocks, by coming up with creative solutions. It’s easy to point out problems and be negative. Truly expert negotiators think outside the box, and dazzle with innovative concepts and ideas that leave everyone excited about the process.

6. They’re good listeners Listening in order to really understand where your negotiation partner is coming from is important for two reasons: you not only want to make them feel heard, but knowing what they want is invaluable information you can use to get what you want. At the start, you’re gathering information by asking questions and really hearing what they say, which includes picking up on body language and nonverbal cues as well. This is part of being well-prepared, using every possible thing you can to have an advantage.

Being in control of the situation, and then leading everyone to a successful conclusion all around is what great negotiation is all about.

Top Agent Magazine

Top Agent Magazine

mailto:mag@topagentmagazine.com http://www.topagentmagazine.com

Top Agent Magazine

15

JOSH EGNOSKI

In 2017, Josh opened American Wholesale Mortgage, where he brokers loans and maintains a high level of customer service.“Real people deserve real treatment,” he explains.“Clients should not be treated as numbers.”

It was in 2007 that Josh Egnoski found his true calling in life. He started working for a mortgage company, and within the first four months, he was the top new loan officer for the entire east coast. He made it into the Presidential Awards for that first year, and continued producing at a high volume until the market crash of 2008. “The company closed down then, and was bought by a new bank,” Josh says. He transitioned into working as a broker, but eventually felt his talent would be better utilized by leading his own business. So in 2017, Josh opened American Wholesale Mortgage, where he brokers loans and maintains a high level of customer service.

“Real people deserve real treatment,” he explains.

“Clients should not be treated as numbers.”

16

With that mantra serving as the foundation of his business, Josh has built a solid team of like-minded individuals who value their clients. Offering many types of loans, including conventional and non-conforming, Josh’s top priority is making the transaction as smooth as possible. He does this by staying honest and advising clients what to do. “I want lifelong clients,” he explains. “So I’m always truthful and offer guidance.” Clients can call Josh at any time, as he understands that this process can be stressful. “I’ve talked to people at two in the morning because they were in a different part of the world,” he says. “And my team is also accessible, my clients can call their processor on their cell phone, my office manager, or myself.” Josh

Copyright Top Agent Magazine

considers his clients part of his family, and he only wants what is best for them.

After the transaction is over, clients leave glowing reviews about their time together.

One recently said, “Josh and his team went above and beyond when it came to my home refinance. He and his team were professional and courteous through every step of the process. After receiving a low ball appraised value from the first appraiser, Josh assured me he would make things right, and immediately went to bat to rectify the issue. He and his team offered their expert opinions and advice on the best options to move things forward. I truly felt as though they had my best interest at heart and were looking to get me the best deal possible. A few weeks later, we were closed and all is said and done. Speedy, professional and reliable pretty much sums up this group. If I had to do it again, it’d surely be with this team.”

During Josh’s free time, he can be found attending church or supporting several nonprofit organizations. “I help out with Heifer International, which is an organization that helps supply food to the hungry around the world.” Josh also loves spending time with his family, including his three children. He often travels with them and tries out new cuisines. “We just enjoy seeing the world and experiencing different cultures.”

As Josh plans for his future, he hopes to continue growing and helping people achieve the American Dream. “The American Dream isn’t just homeownership, but leaving a legacy for your family in real estate,” he explains. “I’m grateful for the opportunity to serve people, including Veterans, and I’m grateful to my Lord and Savior Jesus Christ.”

Top Agent Magazine

For more about Josh Egnoski, please call 678-726-8279 or email josh@awmbroker.com

Copyright Top Agent Magazine 17

6 Things You Need to Do to Be a Great Mentor

Everyone reaches the point in their career where they feel they have gained enough experience and wisdom about business and what it takes to succeed, to actually help someone else achieve the same. Although you may have trained or given advice over the years, taking on the official status as a mentor to someone is a whole new ball game.

18

Although mentorship is an unpaid endeavor, you’ll be surprised to find out how much you’ll gain from the experience. You’ll also grow as a business person through the process of teaching someone else. It’s also an endeavor that many will pay forward one day, creating a business atmosphere that is based more on mutual success than competition, which is better for everyone.

Top Agent Magazine

Top Agent Magazine

If you were mentored, you may already have an idea of what it entails, and what you liked or didn’t like in your mentor/mentee relationship. Although it is a personal relationship that will need an individual approach, there are certain things that are key when it comes to being a great mentor: 1. Be a good listener

est about your own failures. It can be a huge relief to find out someone they look up to has gone through similar experiences and still managed to come out on top. As we all know, oftentimes the greatest lessons come from failures, which can be times when our character is truly tested. Building trust through mutual respect and honesty will make every aspect of your mentorship more effective.

You’re basically a sounding board who needs to hear your mentee’s ideas, plans and goals in order to advise them. Strong, constant and clear communication is key to any successful mentoring relationship.

Sometimes just letting them talk things out with you, will lead to them to discovering the solution they were looking for.

2. Set expectations and goals at the start When listening to your mentee in your first meeting about the potential relationship, it’s important to establish the parameters of what that relationship will be: What can you give them? What do they need or expect from you? Once the terms are agreed upon, you may want to set specific goals you’ll be working on together so that there’s a defined plan of action, timeline and result you can both expect.

3. Be honest This is important when it comes to offering them constructive criticism or tough love, but more importantly, you need to be honTop Agent Magazine

4. Get them to think, don’t make decisions for them Sometimes being a mentor is being a bit like a psychologist. By asking certain ques-

Top Agent Magazine

19

tions you can lead your mentee to their own conclusions about their business dilemmas and strategies to reach their goals. Being a mentor is all about guidance. Build confidence by drawing out the best in your mentee rather than just presenting them with solutions.

5. Look at the situation objectively One of the key strengths you offer your mentee is a complete emotional detachment to their business. You have no sentimental attachment to doing things a certain way or working with an incompetent vendor because you ‘go way back’. Your only motive is what’s best for your mentee and their business. Although emotions cans still get in the way sometimes, having a detached perspective on hand to guide you is invaluable.

6. Don’t just offer constructive criticism, be supportive Yes, being a mentor is sometimes advising your mentee that he’s doing something ineffectively, but your main purpose is to alway approach everything like cheerleader.

You need to let them know that through it 20

all, you are a reliable support to them and have a complete belief in their abilities.

Make sure to always praise their accomplishments.

Remember: your job as a mentor is more about guidance than constant feedback.

Your goal is to help someone become the best they can be, not someone who just does everything the way you do it. You’re helping them build confidence in their own intuition, which will hopefully lead to a lifetime of success, and one day, they too might be a valuable resource to another mentee down the road.

Top Agent Magazine

Top Agent Magazine

ANDREW LORANGER Throughout his life, Andrew Loranger has always possessed an entrepreneurial spirit. Originally from Northern Virginia, he first took an interest in the mortgage industry through a good friend who was working as a lender in Miami. After visiting the city and recognizing the potential of the business, Andrew would pack up and relocate within two weeks, launching his career as a mortgage broker. From there, he would explore an array of fields, managing a call center of fifteen loan officers, working in refinances for thousands of military veterans, and later starting his own tech venture.

Over time, though, he found himself drawn back to the mortgage industry, and in the years since, he has gone on to become one of the top producing brokers in all of Miami, having uncovered a distinct niche in the Non-QM space.

Today, Andrew is a Mortgage Advisor with Millennium Mortgage, where he assists clients throughout Miami and its surrounding areas. Alongside a team that spans four states, he has cultivated a specialized process to meet the demands of any transaction.

At Millennium Mortgage, Andrew offers his clients a wide variety of loan packages. Well-versed in everything from conventional mortgages to jumbo loans, super jumbo loans, bank statement programs, and no ratio mortgages, he thoughtfully guides each client to the right option for their best interests. This comprehensive approach makes him an ideal fit not only for traditional homebuyers, but also for investors, self-employed individuals, and business owners.

Through the years, Andrew has earned a fantastic reputation across Miami, with the entirety of his

volume coming from agent referrals.

Now sporting a referral network of more than 30 REALTORS® in the area, he remains committed to the lasting standards that have consistently set him apart. “My agents are some of my closest friends,” he says. “I believe in building genuine relationships with them outside of the business, whether we’re attending church together, golfing, visiting the shooting range, or even producing content for social media. At the end of the day, we’re all family, and we have to work together to help our clients reach their goals.”

Outside of mortgages, Andrew is dedicated to his community. On top of volunteering with the welcome and host teams at VOUS Church, he contributes 10% of his overall volume to numerous local causes and charities throughout the year. When he’s not with clients or giving back, he can be found exploring Florida on his motorcycle, hiking across the country, or traveling the world—having visited four countries in 2022 alone.

Going forward, Andrew has exciting plans for the future of his business. Now averaging over $50 million in yearly personal volume, he looks forward to extending his core values of integrity and expertise throughout his region as he continues to expand his business. In the meantime, though, offers sound advice to any aspiring broker. “It’s always important to remember where you came from and the struggles you went through while finding success,” he says. “Whatever challenge you might be encountering, know that there’s unlimited potential in our business. By taking the time to appreciate where you’ve been, be grateful for where you are, and stay faithfully focused on where you’re headed, you can truly achieve anything you set your mind on.”

To learn more about Andrew Loranger, email Drew@millenniummortgage.io or call (540) 877-0025.

Top Agent Magazine

21

ASHLEY MCKENZIE-SHARPE About two decades ago, Ashley Sharpe began working in the banking industry. “I was a branch manager, and was actually getting a lot of home equity lines from local mortgage lenders,” she explains.

Finding the work intriguing, she decided to pursue the mortgage side of business, starting as a lender’s assistant. “Within a month, I was up and running as a loan officer,” Ashley explains. Today she is the branch manager of Neo Home Loans in the Piedmont Triad area, where she leads a team of 20, including six loan officers. She and her team specialize in government loans like FHA, VA and USDA, but also offer conventional financing and down payment assistance programs. About half of their business derives from past clients and referrals from real estate agents, which serves as a testament to their diligence and guidance.

“My team is very genuine,” Ashley says. “We always want what’s best for our clients.” With years of experience, Ashley has seen all types of real estate transactions, and is prepared to guide her buyers through the process.

Knowing that this can be a stressful chapter in life, she aims to eliminate worry by educating them and keeping them prepared. “It’s really our knowledge and trust that keeps people coming back,” she explains. “Our clients feel comfortable and confident in our services.” Real estate agents enjoy working with Ashley, as she has a CRM system which keeps everyone in the loop about any updates. Ashley and her team are very responsive, answering their phones and returning calls quickly.

They also ensure each client knows about the options available to them.

One recent client raved, “Ashley is absolutely amazing at what she does and we were so blessed to work with her. My husband and I just purchased our first home with her and her team and she/they made a stressful and overwhelming process (especially for us rookies) as easy and stress-free as I think it possibly could have 22

been. Her response time was fantastic, she kept us updated every step of the way, and she was always happy to answer any questions we had. We’re so grateful our REALTOR® connected us with Ashley!”

Ashley stays active in the community through various local events and fundraisers. She supports anything relating to ALS, Alzheimer’s, and diabetes research and awareness. “We also sponsor a local gym that provides a space for kids to play ball,” she explains. “We’re just always trying to help the community and focus on kids’ wellness and education.”

When she’s not working or giving back, Ashley’s spending time with her three English Bulldogs, working in her yard, or hanging out with friends.

Closing over $300 million in sales in the last year, Ashley has her sights set on continuous growth. “We’re a newer company, so I’d love to start growing the Neo platform throughout the east coast.” As time goes by, she becomes even more passionate about what she does. “I love helping people. Being able to help my clients achieve the American Dream is the ultimate win.”

For more about Ashley Sharpe, please call 336-793-5554 or email ashley@sharpeloans.com Copyright Top Top Agent Agent Magazine Magazine

How to Cut Down on Digital Distractions

and Up Your Productivity As a real estate professional, staying tethered to your phone and computer are likely par for the course. When your office is on-the-go and you’re fielding round-the-clock questions from clients, it’s only natural that you’ll be drawn to your phone for professional updates. From refreshing your inbox and engaging with clients on social media, to drafting email blasts and coordinating with colleagues by text message— Top Agent Magazine

it can feel impossible to untangle yourself from the worldwide web.

As a professional, you may not be able to withdraw from the digital world completely, but there are a few techniques you can use to limit your extraneous digital distractions and streamline the time you spend online. After all, it’s entirely common to faithfully begin one task and then

Top Agent Magazine ®

23

get unexpectedly drawn down the digital rabbit hole. To save yourself time and virtual burnout, here are a few ways to unplug, recharge, and make the most of your time online and off.

Focus on one digital task at a time.

While multi-tasking may seem like a sound approach to productivity, this method usually results in surface-level progress across a few tasks, rather than reaching the finish line on any.

Instead of opening multiple tabs and trying to do it all at once, hone in on one digital task at a time. Have emails to return? Allocate an hour to work exclusively on this to-do list item. Need to post a new blog entry? Pencil in a dedicated half hour. If you focus on one task a time and exclusively devote your energy and productivity to it for a set period, you’ll make a far bigger dent in your list of duties for the day.

Give yourself a curfew.

In the real estate business, the hours may seem never-ending, but if you don’t want to slow your productivity with fatigue, you’ve got to set some boundaries. Try setting up a digital curfew for yourself and put your phone away after a certain hour. Devote an hour or two before bedtime to time away from your computer and your phone—read a book, prep your lunch for the next day, or try a round of mindful meditation. Carve out space and time to disconnect from your technology and stick to the habit. By morning, you’ll be refreshed and ready to dive back in.

24

Mute social media notifications and create dedicated check-in times instead.

Instead of taking a reactionary approach to social media—waiting for the dings and pings that lure you back to your screen—try muting some of your social media alerts and instead dedicate three timed windows per day to check-in on your timelines and engagement. If you’re constantly interrupted at unexpected intervals when someone likes a post or leaves a comment, your whole workflow can be derailed. Instead, unchain yourself from the instant gratification of responding to every buzz and beep your phone emits. Systematize your professional social media life and you’ll stay organized and on task.

Keep your inbox organized.

While it may take some time and effort to create a sorting system for your email inbox, it can go a long way to limiting distractions and stress. Create folders and an organizational flow and every communication will have a place and a priority.

That way, when you open up your inbox and have to go digging for old emails or exchanges with past clients, you won’t have to waste time sorting or feel overwhelmed by the clutter. If everything has its place, you’ll have an unobstructed, streamlined canvass to conduct business from.

Digital distractions don’t have to derail your day or sap your productivity. Email, internet, social media—all are tools to be commanded. With the right planning, understanding, and consistent execution, you’ll be able to wield the power of each without the downside of distraction.

Top Agent Magazine ®

Top Agent Magazine

mailto:mag@topagentmagazine.com http://www.topagentmagazine.com

Top Agent Magazine

25

CHUCK POULIN Throughout his life, Chuck Poulin has always been drawn to the mortgage industry. In 1997, he would get his start completing finance loans for a local branch in Illinois, where he cultivated the communications and sales skills needed to excel as a lender. From there, he went on to author an accomplished career in the business, managing branches for leading companies like Wells Fargo, serving as the Vice President for a regional bank, and completing billions of dollars in originations. Over time, though, he decided to return to what he does best: taking care of clients as a mortgage lender.

Then tragedy struck. In 2015, Chuck was diagnosed with cancer. After spending the year working through chemotherapy, he managed to make a full recovery—but along the way, this near death experience would fundamentally alter his outlook on his life and work. “When you look death in the face, you learn to approach challenges a little bit more calmly,” he says.

“My fight with cancer taught me to take a step back and think about my business differently, seeing my clients as human beings first and foremost.”

Today, Chuck is an Originating Branch Manager with Crosscountry Mortgage, LLC., where he assists clients throughout the suburbs of Chicago. Combining his decades of experience with his strong standards of integrity and open communication, he has cultivated a distinct process to meet the needs of any transaction, whether a client is buying, refinancing, or renovating their home.

At CrossCountry Mortgage, Chuck offers a suite of lending options. Well-versed in everything from FHA,

VA, USDA, conventional, down payment assistance programs, and jumbo loan programs, he is sure to educate his clients throughout the transaction, thoughtfully guiding them to the right choice for their best interests. “A colleague once told me that there would be a day when someone could just plug in their information online and qualify for a mortgage,” he recalls. “All I could do was laugh. In my 26 years in this business, I’ve never had two clients who were identical, and that level of specific, individualized care can never be automated. For me, there could be nothing more rewarding than seeing a client realize their goals and make sound choices on their financial future.”

Over the years, Chuck has earned an outstanding reputation throughout Illinois, as evidenced by his robust network of REALTOR® partners and strong rate of repeat clients and referrals. Now averaging over 100 closed units per year, he remains committed to the core values that have consistently set him apart. “In a transaction, you have to not only teach your clients, but also respect them on a personal level. Rather than doing all the talking, I am sure to listen until I can gather all the facts and understand exactly what they need.”

Going forward, Chuck has a clear vision for the future of his business. As his volume maintains its steady growth, he intends on scaling his model of compassionate service throughout Illinois. In the meantime, though, he looks forward to all the new clients and connections that await. “God has blessed me with a truly fantastic career and remarkable opportunity to help people,” he says. “At the end of the day, I’m so fortunate and excited to continue serving in our industry for years to come.”

To learn more about Chuck Poulin, email chuck.poulin@ccm.com, visit ccm.com/chuck-poulin or call (630) 816-4669 www.

26

TopAgent AgentMagazine Magazine Copyright Top

Daily Habits That Will Increase Your Mental Strength When it comes to building physical strength, the solutions are obvious, but keeping up your mental strength isn’t as easy as going to the gym. Although physical exercise does help clear your head and relieve stress, there are other things you can do daily that will help your mind be as strong and flexible as your body after a workout. Here’s just a few things you can do to help clear your head and make you more productive.

Top Agent Magazine

DON’T WASTE YOUR BRAIN POWER That might seem obvious, but think about how much mental energy you might use up worrying about negativity or things you have no control over. Instead of focusing on problems, focus on solutions.

This actually take a lot of effort, we’re all conditioned to let worry paralyze us sometimes. Try and catch yourself when you’re 27

wasting time thinking about about past mistakes or current dilemmas you don’t have the power to stop. You really only have so much mental energy, and if you have kids and an especially stressful work situation, that might be even less than normal. Start treating your brain like the precious resource it is. You don’t want to be running on empty when it really matters.

BE MORE POSITIVE Eliminating negative thoughts is essential to increasing your mental strength. Carrying around negativity is like swimming with all of your clothes on. You might be okay at first, but eventually you’ll feel like you can barely stay afloat. Don’t drown in negativity, use positive thoughts as a lifesaver. This doesn’t mean you should ignore things you need to improve, just approach them with solutions rather than beating yourself up. Constant monitoring of this is important since it’s really easy to slide back into negative thinking.

STEP OUTSIDE YOUR COMFORT ZONE A lot of mental energy can go to dealing with anxiety. One way to deal with that is by forcing yourself to try new things and take on new challenges, that you might normally avoid because they make you feel unsure or scared. Challenge yourself daily, even with small things.

This is definitely something that becomes easier with practice. Start small, and in no time you’ll be taking on things you never 28

thought were possible. The simple task of trying something new every day will have you feeling energized and put you on the path to self-growth.

BE SELF-AWARE Your emotions affect everything you do, even if they’re not at the surface. Recognizing and labeling them is key. A lot of the above exercises require selfreflection. It’s okay to have the emotions you have, understanding why and where those emotions come from allows you to focus on dealing with them rather than just wallowing in them. Being self-aware is also about self-care. Know the things that help relax and rejuvenate you. That way you can handle everyday stresses and remain calm even during the most turbulent times.

BE WILLING TO LEARN A lot of people are still hung up on the idea that learning is a boring and tedious process, but you aren’t in junior high anymore. You can find something you’re actually interested in and immerse yourself in it, which engages your mind like nothing else. Whether it’s learning a new technology that will improve your business or something that will make you a more well-rounded person, the learning process keeps you engaged and open to new ideas. A curiosity about the world and new things is something that all mentally strong people have in common.

Top Agent Magazine

CLAYTON PORTER In 1997, Clayton’s origination career started when he received a call from some friends who were asked to open a branch in Addison, TX for AmeriQuest Mortgage Company. The pay was better and the potential for commissions were there, so it was time for a change in career direction. This was back when the office was green screen computers shared by a few processors. Fast forward to 2022, and more than a few things have changed.

Clayton is now the Vice President of Star Lending Group. While the technology and process have changed over the years, the overhead is still very low and the core values of building relationships that help everyone involved are still in place.

Star Lending Group services realtors® and builders over a tremendous territory, including Texas, Louisiana, Oklahoma, Colorado and Florida. Not only is everyone on the team, including Clayton, an originator, but there are rigorous standards they need to meet to be included. Clayton worked his way up the corporate ladder learning the ins and outs of each position he worked from National Sales Manager, Regional, Area and Branch Manager, and the boots on the ground level of originator. With solid working knowledge of every position in the mortgage industry, he knows exactly what each person in the organization is going through and how to help be successful.

Clayton is dedicated to locking arms with important people in the market, establishing and growing beneficial relationships to keep his company the one that

people turn to. Almost all of his current clients have come by word of mouth, with satisfied customers pointing the way. Star Lending doesn’t specialize in any particular loan type - they specialize in everything. From first time buyers to farm and ranch owners, Clayton shies away from nothing. If there’s a particular need for a specific product that they don’t work with, they will find it to fulfill whatever needs their client has.

There is no artificial criteria set by a board or managing directors on what they can offer so their goal is to make it work, whatever it takes.

Everything Clayton works on is both “inside the box and outside the box”. He works with many different financing options to fit today’s fast changing market and best meet his clients’ needs. Tight relationships with builders and realtors as well as buyers allow him to navigate that shifting financial landscape thus driving him to get the right options to get each purchase closed and keep the referrals coming in.

There are few things Clayton loves more than the final closing of a transaction. But that closing is the finish line that no one could see when the deal started. It’s a distant target that Clayton is focused on hitting, no different from when he came in first this past season at Regionals for long distance shooting in the Precision Rifle Series. There’s a pride in hitting that target, whether it’s with a rifle or by furthering his business of helping families achieve their dream and understand exactly what their money is doing for them.

For more information about Clayton, please call 817-934-5300, email clayton@starlendinggroup.com or visit StarLendingGroup.com www.

Top Agent Magazine

29 Copyright Top Agent Magazine

KARYN McALPIN No matter the circumstances, homebuyers in Charlotte, North Carolina know they can count on Karyn McAlpin, Vice President and Senior Loan Officer with Atlantic Coast Mortgage. Karyn began her career twenty-eight years ago as a teller for Bank of America when one of her colleagues brought her on as a mortgage originator assistant.

After being eliminated from the position less than a year later, Karyn went full force into the mortgage industry. Today Karyn is confident she has found her forever home with Atlantic Coast Mortgage alongside her team comprised of a Loan Officer Assistant and a Business Development Partner.

Aside from North Carolina, Karyn is also licensed to originate in South Carolina and Virginia. Additionally, her team can also provide loan services to other areas in the States. Karyn’s team is small but mighty, as they resemble a well-oiled machine in how they do business. Whether bringing clients to closing ahead of schedule, educating homebuyers, or continuously staying in touch with clients, Karyn and her team provide a complete package of services for homebuyers ranging from down payment assistance, helping customers repair their credit, or simply assisting clients with obtaining a mortgage for the purchase of a primary residence, second home, or investment property.

“I ensure they are cared for each step of the way without rushing the process. Each milestone they achieve, I am with them,” Karyn shares. Additionally, Karyn is honest and realistic and prioritizes communication to keep clients well-informed throughout the process. Regardless of obstacles, Karyn’s clients get what they need. As a result of her efforts, she has established and repeat and referral business of 100%.

Karyn has excellent relationship-building skills and continuously stays in touch with clients through CRM, phone calls, texts, and video calls. While the market ebbs and flows, Karyn has been in the business long enough to grasp the ups and downs of the industry and firmly believes that

maintaining loyalty to her referral partners is one of the most critical components of her job. “No matter what the market brings, I never forget about my Realtor® partners,” she shares. As a result of her efforts, Karyn averages one hundred and twenty units as a single producer annually.

Though a paycheck is appreciated and well deserved for Karyn and her team’s hard work, Karyn notes that the experience is not about the earned income but rather about using her talents to give clients what they need as an honest lender. In addition, she most enjoys connecting with people, many of who have become friends and family over the years. After establishing such strong relationships, Karyn has realized that this business is about finding fulfillment within herself through being there for her community and building connections on a personal level. For Karyn, it is this aspect that gives her the most pride.

Karyn gives back to her community whenever she has the means and time. Karyn’s husband is a fire chief, and she recognizes and acknowledges those that serve our community by offering special incentives for first responders, educators, medical workers, government employees, and military professionals. Karyn also sponsors client appreciation events with her Realtor® partners, coordinates lunch & learn classes as an educational opportunity for new and experienced Realtors®, and hosts first-time homebuyer seminars for clients who want to learn more about purchasing a home. Karyn is also passionate about volunteering at her daughter’s school, helping in whatever capacity she can. Karyn has a clear vision for the future, where she will continue partnering with Realtors® to introduce new tools and technology to help them maintain and grow their businesses and stay in front of their clients. Karyn will continue to be the client’s go-to source and, lastly, shares, “This is truly where I belong. God blessed me with my talents, and it is an honor to help those who cross my path.”

To learn more about Karyn, email kmcalpin@acmllc.com call 704-754-0192 or visit karynmcalpin.com www.

30

Top Agent Magazine

Turning Your Profession into a Passion The old adage goes that if you do what you love, you’ll never work a day in your life.

On the other hand, it’s easy to get bogged down in the day-to-day worries and responsibilities of your career, even if you generally enjoy what you do. While there’s no guaranteeing that every day on the job will be a picnic, there are a few steps you can take to vastly improve your morale and transform your profession into a passion.

After all, cultivating a passion for what you do will not only add to your quality Top Agent Magazine

of life, but will likely make you more successful in the long run.

BUILD YOUR BASE OF KNOWLEDGE Knowledge builds confidence, and confidence breeds success. A sure way to light a fire in your heart for your daily work is to challenge yourself to learn more and expand your understanding of your field. By doing so, you equip yourself for success, create challenges, and find the most inter-

Top Agent Magazine

31

esting features of your work—especially those that most appeal to your interests and talents. Try reading the top five books on the topic of your industry, or subscribe to a podcast where thriving professionals offer their two cents. Either way, learning more about your industry is bound to reveal a source of inspiration worth pursuing.

THINK ABOUT THE BIG PICTURE

TAKE RISKS

CONNECT WITH LIKE-MINDED PROFESSIONALS

One of the biggest hindrances of professional passion is falling into a rut. Routines are familiar and everyday responsibilities vie for our energy. But the next time you tackle a task the way that you always have, take a moment and try to refresh your perspective—is there a more clever or efficient way you could approach this project?

Even better: why not take the plunge and do the things you’ve always been meaning to—throw that client appreciation event you’ve put off planning, take the continuing education course you keep forgetting to register for, even try a creative activity that pushes you out of your comfort zone.

There’s no better way to inject some passion into your life than by going outside your bubble and taking a risk.

Have you ever chatted with someone who was overflowing with energy for what they do? That sort of passion tends to be infectious—often causing us to beg our own questions about professional engagement.

By participating in local organizations or networking with those who are active

Passion comes from all directions—from your own interior journey and from the world around you. To transform your profession into a passion worth having, invest in yourself and venture into the vast world around you. You’ll surely reap the rewards.

Sometimes reinvigorating your passion for your work is about looking outward, rather than inward. Gain some perspective and consider who your work helps in the long run. As a real estate professional—whether you work as an agent, broker, in mortgages, home inspections, or otherwise—your work positively impacts someone else’s home-sweet-home. You make a difference. While it may seem like just another day at the office, taking a moment to visualize exactly who you are helping in the world at large is a great way to add some motivational fire to your daily tasks.

32

and excelling in your field, you may find that others’ approaches inspire your own.

Likewise, what you learn from other successful, passionate people in your field can help you shape your own office and work life, in turn creating more opportunities for you to fall in love with what you do, all over again.

Top Agent Magazine

Top Agent Magazine

LAUREN JUHL The journey of real estate started unexpectedly for mortgage broker Lauren Juhl while she was managing a family restaurant in Northern Colorado and connected with a patron who noticed her everyday optimism and professional work ethic. Suggesting Lauren work for him, Lauren learned from her father that their family friend, Corey Seitz, owned a brokerage. She learned about his daily roles as a loan officer and, three weeks later, was offered a job at Excel Mortgage Brokers. So, Lauren took the plunge and dove headfirst into the mortgage industry.

Though Lauren entered the real estate world randomly, she shares, “I couldn’t have made a better decision!”

When Lauren started, she mainly handled purchasing and refinancing as a loan originator; however, one year ago, she became one of the owners of Excel. Today she helps implement standard structures and systems to grow the company. Though the entire company has forty employees, Lauren has a small team, including an assistant and a few processors who help bring the loan to the closing table. Lauren shares, “My team is amazing!”

After five years in the industry, Lauren has already established a repeat and referral business of 80%. Most of these referrals are from her Realtor® relationships; however, 20% of her business comes from direct searches on Google.

Excel, Lauren’s company, specializes in “true brokerage” with over fifty wholesale lenders, various loan options, and competitive interest rates. In addition, Lauren focuses on helping first-time homebuyers and provides extensive education to help them understand the entire process.

Lauren and her team offer a variety of loan types, including conventional, FHA, USDA, land, VA, and jumbo loans.

With Lauren’s enthusiasm, high energy, and passion for educating first-time homebuyers, her Realtor® clients continue to return to work with her. Though some loans bring more obstacles, Lauren stays focused on building excitement while her clients prepare for home ownership.

In addition, Lauren stays in contact with her borrowers and Realtors® through simple methods such as phone calls, emails, texts, or face-to-face at times. She also sends Top Agent Magazine

handwritten thank you cards and birthday cards to remind clients of her services who want to buy again.

Through networking events and prioritizing social media content, Lauren can effectively market herself to Realtors® and share about available loan programs. As a result of her efforts, Lauren averages an astonishing fifty million dollars in volume annually. Despite Lauren’s incredible success, she enjoys educating clients throughout the home-buying process while keeping it a stress-free experience. Whether securing the best loan program or an unbeatable interest rate, Lauren finds gratification in knowing she helped secure a loan in the best way possible for each individual.

From many successful past experiences, Lauren’s sphere continues to grow yearly. Today she has a list of over one hundred Realtor® partners.

Lauren is heavily involved in her community as a Greeley Area Realtors Association member and participates in various charities within her brokerage. For instance, the brokerage hosts multiple events throughout the year and sponsors a family at Christmas to fulfill their children’s wish list. Lauren also helps a Realtor® sponsor a pie giveaway for Thanksgiving. Even in Lauren’s free time, she chooses to work because she loves what she does. When Lauren does take time off, she enjoys golfing and spending time with her dog. Lauren’s future looks bright as she intends to expand her team and become more known in the community. Additionally, Lauren looks forward to continuing her services and securing the best options for her clients as a mortgage broker.

To learn more about Lauren, email ljuhl@excelfg.com, call 970-545-0815, or visit her at excelmortgagebrokers.com www.

33

3 Mental Tricks That Will Take Your Business to the Next Level It’s no secret that running a successful business requires careful planning and a tireless work ethic.

Beyond those obvious ideals, it also takes the right mindset in order to capitalize on professional opportunity. In the world of real estate and mortgage lending, mental fortitude is a major component to reaching the next level and achieving longevity in a sector that requires so much self-discipline. With that in mind, we’ve compiled a few key mental tricks you can employ to reinvigorate your working philosophy. Incorporate these techniques into your daily mindfulness routine and your business will surely benefit.

1

Visualization helps you work efficiently and keep your cool.

This may sound like one of the oldest tricks in the book, but there’s a reason why Olympic athletes and those serving in first-responder positions use visualization as a time-honored mental technique.

Not only does visualizing your daily tasks help you organize your mind, but it amps up your ability to focus on what’s important. Visualization also helps reduce stress in the moment, since you’ve already created a mental expectation of the task ahead.

Whether you’re preparing for a negotiation or a pitch to new a client—visualization primes your brain and affords you an extra sense of control as you tackle your day.

2

Distill concepts into their simplest terms for ultimate understanding.

As an agent or loan officer, you’re likely juggling numerous clients and commitments on any given day. That’s why it helps to distill your responsibil34

ities in clear, definitive terms. Let’s say you have a meeting set with a client to outline a marketing approach for their property. You may understand the broad strokes, but beforehand, try verbalizing the exact takeaways you’d like to impart to your client. This may seem obvious, but one of the best ways to clarify your communication and ensure your complete understanding of a subject is to explain it aloud in its simplest terms. This crystallizes your main point and can come in handy if you drift off-topic or need to double-down on your message.

3

Accept that mistakes will be made.

While it’s natural to fear failure, sometimes the dread of making an error can overwhelm your ability to perform. As the saying goes: don’t let the fear of striking out keep you from playing the game.

If you accept in advance that set-backs will occur, challenges will come, and things won’t always go accordingly to plan—you’ll be less confounded when hurdles do arise. What matters is keeping an even keel as you sort through unexpected delays or mishaps. Accepting that mistakes will happen allows you to shift your focus towards a solution or contingency plan. In other words, don’t spend your energy trying to achieve perfection. Aim high and work hard, but be in touch with reality: upsets are bound to occur. Accept this and you’ll be ready when they do.

The path to lasting success is ongoing, and there are bound to be challenges along the way. It takes mental fortitude to make it to the top, so keep these tricks in mind as you continue to grow as a person and a professional. Seeing situations in a new light can make all the difference as you adapt, evolve, and take your business to the next level.

Top Agent Magazine ®

Top Agent Magazine

REBECCA SHEARER Over thirty years ago, Mortgage Loan Originator Rebecca Shearer moved into the mortgage industry after working for an automated robotics manufacturing company. It was a difficult time in her life, where she was suddenly faced with having to be a single mother to two children. Not only were both children under the age of eight, but her daughter had a severe disability that made leaving her very difficult. “This business saved my life,” says Rebecca. “The flexibility and the ability to work from home and take my daughter to doctor’s appointments was the only way I was able to keep working at a time when I really needed to work.”

Since her start in the mortgage business, Rebecca has done just about everything from working on a team to being a branch manager of her firm several times. She’s trained many people to be originators and worked with different industries on all types of loans. Today, Rebecca works independently out of her office in Pinehurst, North Carolina. As she is located in close proximity to Fort Bragg, she currently specializes in VA loans.

With a high percentage of her business coming from referrals, Rebecca is able to focus her

efforts more on helping clients secure loans than on marketing.

However, she still employs some strategies to stay in touch and expand her reach. For example, every Friday she calls 10 REALTOR®S to see if they have any homebuyers who need loans.

When she’s not working, Rebecca enjoys getting involved with her community.

She and her daughter volunteer together with Meals on Wheels in Moore County. Rebecca also enjoys playing tennis and reading and recently adopted a chocolate lab puppy.

As she looks to the future, Rebecca is excited to see how rates will change. “When I started in this business, rates were at 9% and they have been decreasing ever since,” she explains. She continues to work hard at her job, but more than anything, she is grateful for all that this industry has provided her. “If you find yourself in a difficult situation, this is a great business to consider.

It has been a wonderful career for me as a single mom and allowed me to do everything I needed to do. Now, I just want to give back and help other people — that’s the real purpose behind my work.”

To learn more about Rebecca Shearer, call 910-639-3262, email rebecca.shearer@homebridge.com or visit her website at Homebridge.com/rebeccashearer www.

Top Agent Magazine

Copyright Top Agent Magazine 35

mailto:mag@topagentmagazine.com

36

Top Agent Magazine