NATIONWIDE MORTGAGE 12-6-21

NATIONWIDE MORTGAGE EDITION

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Top Agent Magazine

NATIONWIDE MORTGAGE EDITION

ALEXANDER BEADLE

CHRISTEEN FARLEY

TREVOR FREY

When Trevor Frey a loan offithat Supreme Lending do With over a decade of experience in the a slightly bigger but would like became to Christeen Farley began her house mortgage fact. “I treat everybody how I want to be cer in 2003, he was excited for the many is one of the reasons I 15 career 16 par19 treated,” Christeen says.20“Loanwhich 7 industry ago.

“My officers financial industry, Alexander Beadle keep24theyears same payment.” opportunities he would have to make ing here.” ents were laborers and wanted to buy their refer me deals that are difficult, because Cherithimpact Edwards what groceries and paying bills,” Cherith says. “I le consistently provides clients with his a positive on hisknows community. first house but didn’t know how to do Today it,”it is I can make sure that canthings fit the guidehe like enjoys repeathardships client and referTrevor has wonthe many awai face and you can’t buyIthe that matter most knowledge, expertise, and five-star Humbled that so much of his toabusiChristeen recalls. “They needed a Down lines to ensure we can get them work into their ral business of 100 percent, a tribute to over from the years, includi to overcome personal chalI had to start my career over scratch. customer service. Committed to always ness comes from referrals, Alexander the high-quality service he’s delivered top producer Payment Assistance (DPA) program, and property. I’m a bulldog for my clients and awards at bo lenges, which is one of the much compassion andand understanding for my finding the best solutions for buyers and believes that it’sathis focus on building to homebuyers for 18 years.

I was working for Wells Fargo the time treat everyone like a best friend.

If national I tell level. In 2013 many reasons why she has know how to listen and relate to their strugg he was recognized as a Bes investors, he helps clients smoothly sail relationships with as a Branchlasting Manager.

So I decided to go clients that’s you approved, you’re approved. If you’re “One of theable great things about athishighly job is lender by 110 Magazine, been to abuild onates withgoing people that I really care about at into the mortgage side key because I wanted in contract, you’re to get into your through any lending scenario. the main to his success.

“We’re the personal accountability it demands,” Professional

by Diablo Ma successful mortgage loan families, and what know how toCHERITH helpcompany my parents get their house. stories, I’m not their going to waste your time they need.” trusted doing business 50 ALEXANDER to BEADLE EDWARDS CHRISTEEN FARLEY TREVOR FREY Trevor explains.in“You have so much Brentwood Press named hi AMANDAAMANDA CARTER business.

Licensed in 2006, first home.” Christeen started with Wells or money.” freedom to do what you think is right and Loan Officer in the area Branch Manager at LibertyCARTER Bank and states for 50 years, but we treat every Fargo, and her parents were her first help cli-Cherith hit the ground runCherith and her teamstraight. go above and beyond so many people.

There’s no ceiling It’s not about the a Trust Company, Alexander’s goal is to client as if they are our only client.

We Christeen specializes in on DPA programs Community is important to Christeen, andmoney, your abilityand to grow as areviews person orinvolvement on even the however. xperience,Athe skillset, I pride onents. my Now, quick response time. countless 5-star on Zillow.

Having Throughout hissince life, Abemyself Haweileh has ning, pursuing intensive study training to build themselves available to their clients throu Nobody know resident of the North Florida area or referrals.

This is evident in her producgive his clients the most seamless mort-Whether you’re “for them and in yourservice ability better those around you.” one I’ve focused on the job per clients give who don’t feelpersonalized like have options,” she is 31 active with theentire local schools.

She with 27 dge, and the dedication a first-time homebuyer or they her expertise.

Over course of her accomplished process.

“This isn’t a nine-to-five 32isI’mactive 28 23 built ato she robust network of satisfied clients always beenbeen drawn to the mortgage industry.

1987, Linda Garcia pastion which averages overthe$2.5 million perthe than me that to help,Dakotah not the paychK says.I’m “You don’t have toto have million dollars to buy PTA and PTC, and attends of school board trying meetings gage experience andhas helpalways them achieve the Americaninvestor, return they continue do abusiness with us, invite e loan process smooth a seasoned going to prioritize ® to treat every career, Cherith has lived by her motto says.

“We’re on call, because in the real w Trevor started inittheto mortgage industry directly out of the weimpact are customer service and Realtors After dabbling as a loan officer inus midalike, he remains committed sionate about helping others.

Her interest month.

“Thisinto business all down athe house.

I can get people housesus for $2,000 and and other local meetings toofhelpend “push theday, community on other Dream.

“Ihis am a strong advocate for financial literto various events, and want tocomes remain ato part clients. He began you and your needs.” client like family.

“My goal is save my clients ple are facing real estate decisions at every h high school, and has encountered every kind of market tives, and if our priorities are right, client in the mortgage industry began in 2003, knowledge ofin a model feel good!” and experience.toRegardless better direction.”

Whenthat she ishas not working orlives giv- a person ca 2000s, he to would pivot into the automotive the boutique of service acy. Itago. gives lot of joy be able to educate ofmakes theirme life.

Once you dotoa secure loan with Liberty Bank over his nearly in two of transparexperience. Throughout coming back.” y twenty while years “I mein a the money and their loans adecades timely, day.” snowboarding, Cherith and her team’s professional d serving customer service a client’s circumstances, I work hard to ing back, Christeen enjoys going to the business,process, buildingand a successful around set his team apart firstviaplace. this those years he’s shared whatin he’sthe learned consis-“In families the mortgage help themcareer and team, we consider you family.” performing their ent, with honest, and way,” Cherith enormous success: this year to dat ip, and Idepartment learned on the to mortgage hisstructure clients extends As aour Loan Officer Supreme Lending, Christeen beach, andasays. taking herhas kidsled to to Disneyland. of a prominent Florida lender.Graco’s commitment a loan withcompassionate their best interests tentindustry, educational articles, writing mortgage column Trevor is always looking for ways to give b Rancho Cucamonga.

However, Abe still people need you to be available achieve the dream of homeownership,” he explains.

“Whether I’m helping a single mom or a millionaire, has helped over 260 families with their cess,” Graco “I the opportunity to learn theto how he keepsserves in touch.

Graco checks the Placer County areainand has grown her busi- Press passion and ski The Brentwood and has been active with the Theresays. she had in mind.

Throughout thein loan process, my for the better part of a decade. responders, found himself returning to his passion foractive at aguided moment’s Because of that, my an member ofloans thefrom inIn notice. each person deserves tocommunity, beSan through process from a background ness across California, doing Diego the future, Christeen says, “I plan toActivity keep pushing for close a mortgage referral partners and leverFrom guideline changes, tothe market trends, to“Coming potenPolice League forof thelosing last five yea just such a eve per business loan from the ground up. Inspired, sheweekly with hisAs team and I are all-hands-on-deck, working ® the same tially loan programs, everything with ateam withis the Home Loan for me Heroes program to San Francisco.

The majority of her business comes my clients I’ve been doing for 24 years. patience and respect.” where things are today makes truly so g trustis done thatway my helping others realize the technology American Dream oftotogether clients and Realtors Aside from offering conventional and FHA financ- addition serving as the each president oftonew the Georgia ch was an invaluable ages and systems towith stay in touch decided to put herGRACO dreams and ambitions to get client the closing inspired her to b FUNES LINDA GARCIA ABE HAWEILEH consumer-first intent. present industry information officers in local think municipalities.

SPIRO HISHMEH DAKOTAH KUTZ from repeat andclientele. clients, an impressive feat love helping people andclients, having somebody my my family, my the friends, my pers d into the into next stage of and with hismore growing list of past As a Brokers, ing, Liberty Bankobtained also strives giveInspired, clients Association ofreferral Mortgage Alexander isI“I24/7.” here forthat them, home ownership. he would partner motion her to Mortgage table on time.” in aand user-friendly format for those that don’t immerse He also servedthe forfeeling three consecutive termso loan JENNIFER M cCAIN speaks to®the trust and confidence she her team impossible just happened for them.

I love Now ahis Senior Mortgage Loan Officer at Mortgage in God, and myInternational church,”mortgage Cherith says.

“Tn solo Graco isofregularly nicheOriginator products that fitwith their individual circumstancaRealtor proud father 6 daughters affectionally themselves in this business.

Educating the consumer Rotary Board. When he’s Loan license.

In the years since, up his brother Fadi,Mortgage a leadingSpecialist, inspire. “I get referrals from a lot of people now that of knowing they have a home and they have stability.

“When my husb Investors Group, Cherith and her team offer tionships mehis grow thispandemic business toIn ensure they’re able to make the most informed deci- have clientshelped or serving community, Trevor closing aJersey high volume on average each year, “As an independent, I am leaner and es. has “There’s not a loan that we don’t offer.

We’re called the BG’s “Beadle Girls”. his free time, outAs oura clients,” to do it well.”

This course is offered she gone on to author an accomplished career as a Outside her career, Linda is deeply committed to her mortgage broker, you must be Loans, but it’s the customer care in the region, to launch Capital Mortgage Outside his career, Abe is committed to A New native and Top Loan the state, cultivating and nurturing partnerI’ve been in business for a long time,” Christeen says.

Everyone needs that.”

Goal-oriented and determined, Marco Marco’s business, as“It’s has sionofpossible is thehe end goal.”developed ing out with his children and attending th I47began a tofull-service portfolio loans. important to me 43 awith testament his fierce dedication and high standard of pecialist with in to Chicago, explains.

“We iLoan toways anyone interested in learning, even 36 says Garrick Werdmuller, I making was free slam always trying come up to help our he enjoys reading everything he can his hands Mortgage Loan Originator, establishing ato network of community.

On top inmeaner,” her local church 40 39 doing something right when your sets Mimi and herserving team apart.

35 “Ithat could choose be aof branch manager if with Iget wanted to, ships.

Originator, Jason Solowsky got his start in Jason values staying inevents. touchHe’s with Group—and the rest is history. his community, with Capital Groupis supalso spent much of his Sanchez has become a top loan consulpartnerships many.

“I have inMortgage person to be able to serve the financial needs of the entire Cherith married to her kindergarten sweeth or them. if those who are already established.

“It about what professionalism. esclients everyAnd client with attentive sersatisfied clients colleagues that spans the region. and Women’s Council of Realtors, she provides President and CEO of Fresh Home or“We move in the company, but I really like working a hia call you and for help with things offer levels of service that other clients giveand them the bestAtlanta products.

One of the on about the mortgage industry, exercising, and As a also Senior Loan Officer for Supreme Lending in schooling them during Covid.found If he gets real estate 16 ago inup2005.

Friends past clients, and checks inRancho with monthly porting charitable organizations throughout tant inand therecgreater region. gotyears meetings with my referral partners reguclass experience can really be forHe anyone who wantswith clients.” community,” Cherith says.

With specialized programs is a high school teacher and sports coach. eds. has earned awards directly California’s Brentwood community, Trevor loves purely for himself, he enjoys golfing. sponsorships to area schools, communities, and youth thatHe have nothing to do with buying brokers just don’t offer.

Our goal take to purchase our first home, we were Loan Inc., “Independent Mortgage would nou unique things about us is that we have agame portfolio in a boxing gym. working inCapital the sparring industry piqued young emails, text messages, phone calls, cards, nd, they should tothe up their and produce more.” his start in the 2016 after being recruited and I’m always there forday, them so Today, Abe is Owner of Mortgage Group, Cucamonga and even sponsoring families designed tolarly, help public servants with down-payment meeting new people every and can help themin-need.

For Graco, theMortgages greatest satisfaction of his job comes from mplishments, and he just ishelps also highly a home.

But that’s a day in is to make sure our clients feel like Today, Linda is the Owner and President of sports.

When she’s not with clients or giving back, she Brokers that Work for the People™,” seek him fund which out the clients who don’t qualify assumption that we would have to wait a w Jason’s interests.

“Growing up,” he recalls, and a closing gift.

Jason loves customer VP of sales at with whatever type of on loan that their includAs the future Trevor the wa fromshe his career at aability television network. they know they count During assistance, Cherith ishe’s deeply committed tome.” giving backneeds, Dedicated to for giving backoftohis thebusiness, community, Christeen specializes in DPA programs, as can well asclients where assists clients throughout Rancho Cucamonga When not with or fits giving back, enjoys his to navigate challenges his clients’ behalf. world ofofreal estate development.

As life Mimi Montgomery.

“Myhe they have someone on their team by Linda, where an elite team that can be on found shopping, traveling, or spending quality the brokerage he opened in April of heinvolved because h ding Corporation Offering all the helps traditional loans as “I real estate fascinating.”

Now part interactions.

“I enjoy being in one for conventional orsupervises FHA financing,” hefound says, and Passionate about setting families up for financial our mortgage lender walked us through the ing Conventional loans, FHA, VA, USDA, Jumbo, providing clients with the excellent servic FHA, GSFA (Golden State Financing Authority), grant through her career.

She originates loans inout Tennessee, active in their church and kids’ schools. Cherit “Being in the the surrounding mortgage industry was the transaction, Marco sends notificaand areas.

Alongside his elite team, he spending time his beloved and “It’s boring,” Graco says.

“There’s always more ficer of Ocarg Development Group, calls me the ‘counseling asTeam they pursue their dream ofteam home her assist clients throughout Florida.

She has cultitime with her family. is mother committed toto well asof unique ones, like bank stateandquality Reverse mortgages. can also help themfamily with he’s come to be known, as well as reaching 2021.

“I’ve always been aand decent and tells t the Liberty Union at Homebridge ofwith theHebiggest decisions of theus person’s life adds, “We are also introducing anever 40-year mortgage success, Alexander and his complete over programs, city programs, and more.

“I help my clients showed that we could afford a ho Alabama, Florida, and Georgia, and offers amountains, wideisn’t aaproduct classical pianist since the age of four. She’s thethroughout perfect fit,around because my lost and to very the agents when each milestone service at every ment or renovation loans, they’re able isa licensed renovates properties tothe do,values more toopenness, learn—there’s always problem totions be broker’ because people ask my ownership.

It’s goodin work, and down-payment “There really ple by expanding vated a boutique workflow ofparents possesses expertise, insight, attention to detail nephew, going forGarrick aassistance. hike in the relaxing producer,” says.

“And although Financial Services.

Jason and steering them in theorright direction, in his social media presence

CHERITH EDWARDS

SPIRO GRACO FUNES LINDA GARCIAABE HAWEILEH

HISHMEH

D

Born and raised in San Francisco and entirety of his volume coming a longtime resident of Marin County, repeat clients or referrals. Sp Spiro Hishmeh got his start in the mortcountless five-star reviews and o gage industry in 1994. Prior, he had to complete $150 million in volu owned and managed his own cafe in 2021 alone, he remains focused San Mateo, but when his good friend got hands-on approach that has tru into the real estate business, Spiro rechim apart in the region. “I treat QUINN STOWE MIMI MONTGOMERY GARRICK ognized theMARCO potential in mortgages and single one ofWERDMULLER my clients as if they JASON SOLOWSKY SANCHEZ decided to pursue his license. He hasn’t members of my own family. Aft to them. In doing so, I am a A native Texan with an unparalleled knowllooked back since. these are some of the most imp realize that they’re in good edge of both the mortgage and the real transactions of our lives. Knowin them that peace of mind,” estate industries, Quinn Stowe works as a Today, Spiro is the Branch Manager at Premier nervous they can get, I hold their hands in th loan originator at the Barton Creek Lending Lending, where he supervises an elite team to assist cess and ensure they are comfortable and Outside of work, Quinn s Group. Specializing in conventional, VA, clients throughout the North Bay. There, he has lev- throughout.” very soon.

It’s going to be a wonderful solution for 1,000 mortgages per year and are very eager to with the programs that take a little bit more time, and time for community inv and FHA loans, he started hisfrom mortgage ofEvery options, VA, USDA, andthem FHA in loans, nied and played professionally, as well as for down payment assistance.

We were incredib ourney as a integrity, porttomarket accomplish their clients’ goals. their house intothe last crash, and accomplished, keeping the has eraged expertise, compassion, and outstanding about Mimi rewarding.

Irange love what Iison do!” solved.

Idemands thrive on the fast-paced nature ofserves the job. bs,advice taking care toeverything,” pair innovative and compassion meet the ofhis even forward, Linda has strong for future needed to the demands ofand anyGoing transaction. the beach—enjoying California offer.

New Jersey Florida and over the right area, with the to right loan product,” Iaway am“Our no the super alpha male closer, right Theseloves day that sometimes other loan officers shyplans from,” she customers that have been inmeet forbearance and are continue expanding the business. team isall JENNIFER Mtochelp CAIN MIMI MARCO SANCHEZ she met ASLAN “Our philosophy is ‘Get to Yes,’” JASON SOLOWSKY QUINN STOWE GARRICK to conventional and jumbo loans, asat well as principal andI for her kids’ high school.

Cherith If you’d like Trevor’s helpand obtaining a loan, contact him atkind 925-726-1444 ful, decided that was the of work is active at his local chu career in 2000 and, thanks to his work eth“Obviously, I can’t ic laughs. beauty of heritage architecture. different.

I like to say that each loan is like a finI transaction. wanted makeloan sureis that didn’t happen loop at all times.

“Real estate agents are the toughest of her team.

As her business continues to grow a explains.

“I think we all should have an equal opportu150 homeowners annually.

In both 2020 Jason says.

“These are life-changing decinow, it is game on.

I know we are actively communication skills to author an accomplished Outside his career, Spiro is deeply committed for a but wayI’m to glad get back toJennifer normalcy, as we andher we’re very proudorloans, of s. “She waslooking one explains.

Their growing commit- tremendously email Trevor.Frey@supremelending.com.

Pleaseand be sure to check out re h MONTGOMERY WERDMULLER reduction recast options for certain which istoa do—helping time with her husband their four young a them with everything, She’s effective too, she as remains 100the gerprint, you’ll never get the same two. borrower ence with both traditional loans else,” as rate of 30% each year, focused on successful scalpeople achieve their dreams to anyone heMortgage says.

Marco jumped always on go, so they really apprecinity to buy a Every house.” & 2021, Jason was honored as ahelp 5-star sions I’m involved in.

It isfuture an honor.” a devoted family man ic and exceptional results, has been able to going to be because I help owner isan t ners who would ment to finding creative solutions website at trevorfrey.supremelendinglo.com At Capital Group, Abe offers his clients a Looking ahead, Abe has strong plans for the of will be able to refinance their deficiency amount our ability to families create generational career, establishing a network of satisfied clients community.

Previously, he and his team hav great toolcoast for borrowers who want to buy before they they come to me all the same.

I percent referral rate and gushing When serving her borrowers, Linda offers a full suite ing the model of personalized service that has long nal varieties, Graco is well-poised is different, every situation is different.

You can’t at the opportunity andhas hasn’t looked back ate it when we can come to their office mortgage professional recipient. nusual loans she resulted in their business beingaward clients be successful, and Mortgage they really a loanteam beh to get them back to the same monthly payments. wealth.

It’s the greatest joy when you know that full suite of options, from FHA and conventional loans his business.

Recently, Capital Group has ® are ready to sell their existing home.

Cherith looks forward to committing stepson’s flag football build a client network that’s almost fully always want to be known as a kind reviews attest. client said To find often out moretoabout Christeen Farley,nonprofit org Her dedication toOne customer service and serving her ® of including Conventional, FHA, VA, on andmultiple set her apart inspeak her community.

“As atime business owner, in this business.” ge of clients, from first-time homeand Realtors various fundraisers and that spans the region. ” Jennifer says.options, largely referral-based. since, now working with New American and make them.”

Marco Reviews websites tohappy Jason’s comcomes ForforJason, Realtors Agen InBeach, 2020 Dakotah became a Copyright Junior Loan appreciate what Imarketing doported thehimself difference thatTop may n It’soffer good investors as well, because they will the decisions you’ve assisted someone inshe making her business togo hard money ormitment bank statement Moreover, opened alicensed second location inand Laguna clients’ best interests truly sets but apart, and please callgrowing 916.521.4467, email even more. “Now th and friendly person who will the itloans. like this: “To say that Mimi isChristeen ‘good ® with plans etermined nature USDA loans.

But no matter the client, she is sure to spirit you have no one pushing you yourself,” says. estors.

“We anfor assortment of other stepson’s soccer te referral based.

Quinn is currently to excellence.

One such Zillow review states, as second nature.

“My Realtor relationships and Funding in Marietta, GA. With a youthful and participates in first time homebuyer seminars and tions around Marin County, including Toys fo Itovalues, make.”

These sayings are not just aphorisms but of course, to change th at the First National Bank of Omaha, or With her deeply held her compassion, and her empty-nester, I’m looking for new ways to she has impressively generated nearly three hunbe able to see a larger profit margin.

The 40-year about homeownership are going set their family Christeen.Farley@SupremeLending.com, or extra mile for people.” at her job’ is an understatement. ntly close, Carrie asked Jennifer Community is an integral part of Jennifer’s life, CONTENTS he provides anybest resources to complete the to into LasofVegas insignificant the coming months.

Morepersonalize approach with their interests in “When I couldn’t wake up,be I aspire toexpand make the best eachare A lifelong resident ofnecessary Chicago, Graco is dedicated toathis rowers,” Graco says.aher “My title is above “Jason delivered, and we happier!

Jason partnerships me,” Jason says.

“Many tosoto go and beyond expectations, many webinars their offices, questions and part of Garrick’s operating philosophy.

Before real place,” says. dred verified 5-star reviews on attest toatthat time, which isGarrick rare, he Real Estate asof well, with his wife Julz.

Contact Robin Wilson 847-207-1975 or email Robin@ChicagoToNorthShore.com expertise, it over, is noZillow surprise that Cherith’s business word about the services and resources thae visit christeenfarley.supremelendinglo.com though Jennifer nervous to she always makes time toShe give “For years aistovariety of loans for clients in Colorad loan was will alsodesire appeal individuals that want toin get on the path success for generations to come.” isback. simply phenomenal.

My husband and Ias and holiday giveaways.

They have also hos At Premier Lending, Spiro is well-versed in aanswering wide mind, ensuring they make well-informed decisions day while assisting as many people possible.

For Tony and the reason for that isMarco’s because Iclients community, serving on the for St. Jude Children’s transaction in-house, ensuring aBoard one-stop-shop for his vice president, Sayegh, joined Capital was incredible.”

Another satisfied client sums up his of my current agents have been with me for a long of are first time home buyers.

He bringing awareness to the current mortgage market. estate, heCherith workedbecame as a sous chef in San Francisco. opportunities for loan sition, shegraduating eventually took her up Mimi I didtaught the Park Hill Home Tour, andfirst every yearhomebuyers. one 100% referral-based.

In 2010, a single vide,” Cherith says.

“I’m looking forward After college, school for were time We felt clueless and County, including Conventional, FHA, VA on their future. In fact, sheborrower. remains invariety touch with her me, being a5K, loan originator is more than a career; doors, and often hiswas activities inc Research Hospital Chicago Walk/Run aispackages, cause close nn’tinlooked our industry.” assortment of fundraising events, as loc residential loan from convenevery And from start to he is fully Mortgage Group this year, and Abe isand so thankful to favorite experience with Jason: “This guy awesome.” while.”

Heit’s stays with agents doesn’t search since. only real estate partnernavigate and I pass outof grocery bagsfinish, to all 4)“My WHAT IS A TERM LOAN FOR 21) TAKE WORD FOR IT: PRODUCTIVITY KILLERS: loves helping people the often confusing After 9/11 wiped out his department, Garrick are such not satisfied mom overnight.

“I lost every material thing I37) had, and more years Top of helping people achieve the 5 years back before joining her brother’s brokerage in overwhelmed.

We had had badMY experiences with Copyright Agentthat Magazine ® well after thecommitted deals are to done toheart. provide something that I2President truly love have to do.” down payment assistance, HomeReady m hisand Heongoing has also served as Board of out new Realtors , preferring loyalty, friendships, and start sooner.clients I absolutely love it.” my neighbors ask them to fill it up with food To learn more about Alexander Beadle, email ABeadle@libertybank.net, to his clients, catering his approach to their him as part of his growing team. and home dirt bike riding.

Quinn credits his success to his fierce understanding tional loans tofoundation multi-unit homes.

But from start toto aso tournaments, toregardless raise funds for area landscape of purchasing a“Ihouse, educating them Community isfirst important toto Marco, he 4 isofWAYS always laid off due lack seniority, ofBETTER Going backcauses. to wholesa there wereOF times when I had choose between buying ownership.”

REAL ESTATE THE POWER TESTIMONIALS TO MAKE of the birth ofINVESTORS? her son. other lenders and werethat frustrated….The time and ensure they are fully satisfied in their A and HisDuring Dream, afree gives college his2004, depthinassistance ofanticipation knowledge, and his items for theBoy food bank.” any time, she who and portfolio products.

She closed an impre Jason is a mortgage lender often works with union word-of-mouth.

Agents know Jason has their backs. visit mortgages.libertybank.net/AlexanderBeadle.html, or call (770) 990 – 7939. best interests and carefully educating them each step his performance.

He decided to transition out of life, and he wants to g alongthe the way so no questions are left unanswered. involved inat detail-oriented various events, associations and wanted something with to hanging allow me on the phone with Mimi, I was put complete ofcaters the market asatand well asWORD-OF-MOUTH his approach. finish, he his approach to each client, educathomes.

I flexibility know these transactions can be &her MAKING USE OF YOUR WORKING run, fosters a“Because supportive can be found outtowith family, including h, itASLAN is no surprise that nearly scholarships local high school graduates. workers and other public servants, such as police, Whatever loan arises, provides solutions forphone ayear,at million in and her very first with 80 perce Contact Robin Wilson 847-207-1975 orout email Robin@ChicagoToNorthShore.com find more about Cherith Edwards, contact 615-476-360 of the way. team thrives off ofmoved customer service,” But aspart his client base continues tohevery grow, Abe andher hisby )nvironment.

488-9680 or and cbenitone@hobsonrealtors.com, the hospitality industry that week began to both stressful work be aoverwhelming, good mother,” she ease….

She mountains for To my family and charities.

He is of the Young Professionals 3 TEAM BUILDING “We are13) not solely husband, and theirstandard two daughters. and IScott, set“My aexplains. strong for siness stems from repeat clients ® of back, COUNT HOURS firefighters, state troopers, and correction officers. diverse range ofWhen clients, quickly overcoming challenges, Despite the challenges the pas Past clients would describe him as an educator who he’s not with clients or giving Sp ing them along the way and carefully guiding them or by email at Cherith.Edwards@migonline.com. volume coming from Realtor referrals.

Th er website at a hobsonrealtors.com great fit because it allowed me to made sure we closed quickly.” studying for his excited real estate exam. the In 2002, Garrick For Garrick and his br on,“This we arewas focused on creating heare says.

“When Ito do a loan, I treat each client as if they brother Fadiand are most to scale unmatched “They frequently come me unprepared and notthe Group forState Greater Atlanta Homebuilders personal attention for every client,” she says.

“In this EXERCISES TO REVITALIZE aco, availability and honesty Proud of what he has built, Graco has plans tothe FireEndorsed by unions like NewnoJersey tailoring products. specializes incherithedwards.com regular, conYou can alsoloans. check her He out online at mpany, where we care about Continuous growth is in Jennifer’s future, as she access the skillset I’d developed as a teacher. be found relaxing on the beach, drawing, or to the right option for their best interests.

In fact, COVID-19, Quinn is determined to enjoys helping others learn about the mortgage prothe result of Dakotah’s dedication to the nee began closing help the client.

He now knowing what tomember expect,” he says.

“It can definitely Association, which helps young career-minded were a of my own family; after all, I want standards that have anchored their careers.

“Fadi and I 25) 5 REASONS WHY YOU business, I care about the people—not the transaction. slow down.

His vision for the future includes buildheld values, earning him a stellar fighters’ Mutual Benevolent and the Law ventional, VA, FHA, and WHY construction loans.

MOMENTUM INthat THE 41) DELEGATING IS options antGetting what is abest forcan everyone,” hopes help the team expand.

“We don’t want Association loan sometimes be atovery stressful One could go on—and the reviewer does—but to serve clients, and her efforts tobest make sure their loar At thetopend of day, knowing I’ve helped my be athechallenging process, but I’m there for them attheir professionals determine what do next.

“We also ingthe quality time with hisas family.

But Spiro and his team keep in touch with their clients them to find the best option for needs. aren’t just business partners; we’re life partners,” Abe great year.

And always, hislooking focus cess.

“I’m very thorough in the way that I toexplain eferralwepartners and his clients. ing acompany, small team and dedicating himself to mentorship NEED A MENTOR Enforcement Labor Union representing Correctional course want producers, to be a huge butpossible we want to eventually processclients for buyers, and I think I’m good at findit’s very clear that Mimi has built a reputation as OFFICE THE KEY TO LONG-LASTING At Fresh Home Loan Inc., Garrick strives for Area homebuyer and is the greatest reward of all.” every step.”

Bilingual in Spanish and English, and do fundraising for several charities, and I serve as is as smooth and stress-free as possible. those at the beginning of exciting careers.

“I like mportant in ourinindustry,” eople who believe our philos- Graco consist offor around 300 loan officers.”

Ultimately, it’s Starting set our standards to whatever our says.

“I could not have done this has without the Officers, Jason isof well-versed incan first-time homebuyWhen not working, Jason actively engages in his comhe also exciting plans for the future of Inc hil referral partners long after the closing toefficiency, providing his loving clients with theHome mostLoan elite steps this process to my clients.

I really want them ing creative paths to finance.

I alsoout, havewe aand lot a mortgage broker people count on no matter speed, and to local be well-priced for Fresh 29) HOW TO SEND SMARTER SUCCESS ocess atyour ASLAN is rigorous, but quality over quantitywith for loan the ASLAN team, as they access tofeel aworking variety of products, hego can athere.” mentor forlot myjumbo Latino-based fraternity where I’ve ck uppatience, phone on with theproblems first ring, the up-and-comers,” Graco says.

“A ers, multi-family residences, condo financing, munity, oftenand attending union meetings orthe running clients comfortable with, and we from support of my parents family, and always trusting of so when arise I’m able to what.

Nor does that relationship end when the 17) 8 THINGS SUCCESSFUL ness.

AsNYC his volume maintains itsforward steady vide support for “My wife Bay Area, which can be easy task.

During looks togrow a la officers toassist Elsewhere, Linda is only just different as hands-on when working want bring on like-minded individuals who going above andfunds beyond help them toand understand thebeen product they’re choosing, because EMAILS many types of ongoing buyers.

As of when a “When atransaction. member since 2011.” oftoforward people helped me in my career Ithe was starting iness andhave theaccess clients aextendisservice. mortgages, refinances. my clients choose for a good cause, the no Marathon to raise “I’m proactive about correctingtoany problem in God’s plan.

At the end of like the purchased day, my biggest reward soothe feelings so that we can inexpert paperwork ispart signed. aren’t the tools for success.

“IEstate run the trulymove care rely about theher client experience.

“It’s so grati- Even when past clients with Real Agents that on comthe pandemic, Garrick larger printers has written an acron PEOPLE NEVER DO 44) HOW TO GET THE intends on adding to his team while expandi has a picture of me going down Splash Mountain, out, so it’s important to me to give back to the business ble 24/7, during vacations, even me as their mortgage loan originator, they choose atfor the global nonprofit Keep a Child Alive.

During the team, Marco is able to tackle each transaction effigoalsone of ofhomeownership, and very guidi Ihome, know atolot of this stuff is new to them, and clients it might productive ways.” herteam aid them in other arenas, Mimi arise,” Dakotah explains.

“I’mMMF, also Tohave learn more about Linda Garcia thesomeone years, Abe his earned comes from helping accomplish life’s meets every week, and skills we alsoto Through fyingthem to help buy a calling newand and making 33) HOW SOFT MONEY LOANS munication keep throughout theon to accommodate clients wanting toRECHARGE drop off anddonatboard, whichc inincluded the same way.” he I was onwe a cruise. tention to detail delivers effective results and elimcovid crisis,on Jason’s whole team was hands-on, BIGGEST OUT OF ciently.

“We really allreputation work asasis apossible unit toisthat make sure As for the future, Marco’s focused helping more les ocean trainingwhen program where experience as joyful incredibly reaching out, with handwritten notes, monthly email linda@mortgagesbylinda.com, presence all throughout the North Bay. “I’m on the phone with a client in the middle of a fifty cative throughout the process, so that fantastic throughout California, as step of the way.

“I truly love what I most important goals.

There’s nothing more fulfilling seem daunting since they are not very familiar with it. loan process.

Over athethat years, she has earned a fantassign documentation inmaking person house and he alsoand streamFirst. This is not a ther rem ARE THE FUTURE OF LENDING home financing headaches,” Jason says. Repeat ing where calls, supporting owMimi to do what we do, and thehow process is smooth, andinates thatnewsletters, they’re getting the visit people achieve their dreams of needed, homeownership became broker and satisfying.” owner of Florida, or pop-by gifts. mortgagesbylinda.com YOUR LUNCH HOUR last-minute surprises.

I treat every client as i tic reputation throughout all of with the vast to serve,” he says.

“To me, there’s nothing drop,” he says with a laugh.

“We joke about evidenced byBaymont thefoot vast majority of their volume comthan celebrating the completion of their transaction lined his loan operation systems to ensure a secure cash in.

“It is all abo andsays.

I hope I’mmake also toThis anyyear, and all they andhe referrals upvery 50% of his firstquestions responders.

“I like With to ing give people, back,” Jason He to continue do Mortgage in 2019, communication serving clients in they League City, need,” explains.

Marco is responsive while maintaining the same level of service. orbusiness. call 904-591-3662. majority of Funes, her business coming from repeat clients ore about Graco youfrom canrepeat contact him byreferrals, phone atas773-520-4930 my only client, working with them in what ing clients or well as his and seeing them purchase their dream home.” and accessible digital process.

He even created a and then the next clien he is on track to total over $70 million in volume. also served as the President of the Orange Essex United satisfying than the moment when our clients that all the time.

Nevertheless, I’m always available Texas andinformation all over the Greater Houston area.

“Your Mimi is getting very involved community as well, eager toatset his buyers up for success, them hisher being personally affectedeveryby the 2008 yearstitle to come.” may have for with me.

Ifamily want them to understand For more about Jennifer McCain, or by email graco@iloanrate.com signing room in his office or while in all the States Junior Chamber, Jaycees, acompanies leadership and Friends in Lending”the is anbest apt hashtag for a brokerage participating in various outreach programs.

Going possible and they know what mortgage crisis, he knows the importance of ownkeys to their new house.

Atvery theeasily end of the d forensuring my clients—no matter when they need me.”

Phone 310-734-1440 | Fax 310-734-1440 please call 720-425-5090 or email rates jenniferm@aslanhlc.com thing from start toher finish.

If isIwhile sense that they’re unsure and real estate offices remained RepeatWhen and not social media campaign Clientsforward, come back for many reasons: Jason accestraining civic organization forclosed. young people. that offers every kind of loan a potential borrower she wants to grow business conTo learn more about Abe Haweileh, email abe@mlmortgage.net, to expect. “My borrowers can see themselves grow- ing a home, and he’s found it incredibly rewarding don’t care about how many transactions we referrals make up them 90% of football his business.

“I likes didn’t list is endless, but help sible and knowledgeable.

“My Iclients call any working, Jason is a big fanContact who toDakotah fish, at 970-58 could hope for.mag@topagentmagazine.com Baymont specializes FHA, First tinuing tothey provide excellent service andme personal about something, elaborate oror go over it with | theto www.topagentmagazine.com ing with me, andinreturning to mevisit when want to help people overcome hardships ormy avoid them capitalmortgageloans.com call (909) 908-6988. realize how loyal past clients were until the is what gets us paid.” exercise, and hang out with family and friends.

For the time,” Jason stresses.

“No matter where we are in the Time Buyer Home Loans, Conventional, andThrough VACopyright touch people have come to expect Baymont. plete each year; we care about how many fa the years, Spiro hasfrom earned a fantastic Top Agent Magazine get into a bigger down the line downsize.” altogether.

“Taking the time ensure my borrowers he and says.

Quinn also the support he Agent No portion of this issue home may be reproduced inorany manner whatsoever without priorenjoys consent ofto theof publisher.

Top Magazine is published

by Feature future his business, Jason looks forward to growing process, Iagain,” am hands-on totally engaged.”

Also, he we’ve what matters reputation throughout California, with the near are going to have solid financial futures, and making ®accuracy ®helped—that’s Publications GA, Inc. Although precautions taken to ensure the of published materials, Top Agent Magazine cannot be held responsible for most.” relationships across his team and his Realtor relationships. places a are high value on Realtor receives from the Barton Creek in-house team, who http://

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www.

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Contact Garrick at Fresh Home Loan Inc by Direc Contact Mimi 832-860-2000 orimportant email mimi@baymontmortgage.com Realexpressed estateatagents are anotherby of or sure we achieve their is to somag@topagentmagazine.com. valuable to me.” opinions or facts supplied its authors.aspect To subscribe change address, sendgoals, inquiry Published in the U.S.or Visit: freshh Email: garrick@freshhomeloan.com

help him behind the scenes.

You also check out Garrick’s book on Amazon,“Home Buy Youlearn can get in touch with Jason 973-943-7289 f: can 888-838-1854, To more about Spiroat Hishmeh, email spiro@premierlending.com, 3 For more information about Marco Sanchez, Copyright Top Agent Magazine e: jason.solowsky@homebridge.com, web: Homebridge.com/jasonsolowsky amazon.com/gp/product/B097J1CR94/ref=dbs_a_def_rwt_b visitsospeedyapproval.com or call (415) 948‑1952.

What keeps Quinn passionate and determined please call 470-643-8215, email marco.sanchez@nafinc.com, orabout check this Facebook hisout work is his lovevideo. of helping others learn new www.

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www.

www.

www.

What is a Term Loan for Real Estate Investors?

When building a successful business as a real estate entrepreneur, it’s important to become well versed in the world of private lending and real estate investing. Some of the most common mistakes come from investors not knowing which loan program is right for a potential investment property or the differences between each program.

4

There are two types of loan programs; term loans and bridge loans.

The differences between the two are based upon the borrower’s credit score, employment history, length of the loan, and rates. While term loans require more underwriting, they also offer lower risks and less risk, making it

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Unlike a Hard Money Bridge Loan, a Term Loan has much more vigorous financial checks, collateral and a minimum FICO score of 650. a deeply attractive option to borrowers who find the concept but not the details of a hard money loan appealing.

Unlike a Hard Money Bridge Loan, a Term Loan has much more vigorous financial checks, collateral and a minimum FICO credit score of 650. Private Lenders require this because of the requested amount of the loan and the lender wants to prevent the risk of defaulting or the borrower not being able to make their scheduled payments.

The following are examples of term loan programs:

No-Income Verification/ Stated Income Loan A No-Income-Verification loan is a type of loan program that doesn’t require the borrower to provide documentation of income.

Unlike conventional mortgages, a stated income loan is easier to be approved versus a traditional loan, and is a way for self employed borrowers who would not qualify for a traditional financing to achieve their investment dreams. These types of loan programs are for investment properties only and not for primary residences for an owner occupied property.

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NO-DOC Loan The relationship between the investment home buyers and the mortgage lender, is based on the non documented loan agreement that the borrower can afford investment property loan payments and will make them.

Like a no income verification mortgage loan, a NO-DOC loan program has less regulation and higher rates than conventional loans.

Although risky, the flexibility and quick approval process for the borrower makes it an easier decision for many real estate investors.

Soft Money Loan Soft money is defined as a long-term (5/1 ARM, 7/1 ARM, 30 Year Fixed) real estate investment loan program that closes faster (2-3 weeks) than a conventional loan. This type of loan program requires more underwriting than a hard money loan, allowing it to have lower rates and greater security. It is based on both the borrower’s credit score (minimum 650) and the property’s LTV, and is always a term loan rather than a bridge loan. An innovative approach combining the benefits of hard money that have lower risks, higher rates, and a short term loan time-frame - contrastingly, soft money programs fit many borrowers far better due to the program’s lower costs, lower rates, and longer terms.

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5

Term Loan Overview:

While hard money bridge loans are still the most popular option for many real estate investment scenarios, term loan programs will increasingly become the type of loan used by first-time real estate investors or borrower’s looking to hold a long term investment property, and investors with a high credit score who are looking for higher LTVs and lower interest rates.

• Investment Properties Only: 1-4 Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse • Rates Starting at 4.375% • Loan Amounts - $100K – $5M • Up to 85% LTV • Blanket Loan Options Available • Fixed rates/Adjustable • 5/1 ARM, 7/1 ARM, 30 Year Fixed • Interest Only Option Available • Foreign Nationals Eligible • No Prepayment Penalty Option Available 6

At Stratton Equities our mission is to make private mortgage lending easy, efficient, and worry-free.

We help other experienced investors, borrowers, and professionals in the mortgage and real estate industry succeed with a simple 3-step process, including PreApproval, Processing & Underwriting, and Funding.

Please call us at 800-962-6613 or contact us at info@strattonequities.com and apply now at www.strattonequities.com/loan-pre-qualification to find out whether you are eligible for loan pre-qualification!

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AMANDA CARTER Top Agent Magazine

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AMANDA CARTER “My clients know that the closing won’t be the last time they’re going to hear from me. I continue to check on them after they get into their new home to make sure everything is going well.”

For Amanda Carter, working in mortgages is all about relationships and helping others. Inspired by her fatherin-law to begin a career in real estate, she quickly realized that the mortgage lending side was the area that she 8

could make a larger impact with her clients. As Producing Area Manager for Bell Bank Mortgage, Amanda is currently working on expanding their Tampa, Florida Division. She leads a team of mortgage loan officers, along Top Agent Magazine

with building and maintaining relationships with real estate agents, title companies, homebuilders and other mortgage-related professionals.

Amanda has been in the industry for two decades, and her business is made up primarily of referrals. “I don’t do a lot of advertising. I have my Facebook, LinkedIn, and my Instagram, but most of my success has come from referrals from my past clients and Realtors®.”

On pace to complete over $20,000,000 Top Agent Magazine

in sales volume this year, her key to retaining clients and receiving referrals is her caring approach. “My clients know that the closing won’t be the last time they’re going to hear from me. I continue to check on them after they get into their new home to make sure everything is going well. A lot of my clients prefer to text, so that’s how we stay in touch, and they can easily reach me with any questions or concerns they may have.”

Amanda uses her knowledge and 9

expertise to provide her clients with the right product to fit their unique situation.

She specializes in government loans, VA, FHA, and USDA loans. “I have a husband and two boys in the military, so VA is the one I love doing the most,” she explains. Passionate about helping others, what she enjoys most about her career is the happiness it brings to her clients. “Witnessing my clients receive the keys to their new home is the most rewarding part of it all. It feels incredible to play a part in someone being able to move into their dream home.”

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“Witnessing my clients receive the keys to their new home is the most rewarding part of it all.

It feels incredible to play a part in someone being able to move into their dream home.”

As she expands her Tampa team, Amanda is focused on mentoring her loan officers and teaching them how to provide their clients with a whiteglove experience. “I’m looking to add at least 10 more loan officers within the next year. My goal is to help them grow their business and learn from my experiences, so that they can skip some of the mistakes I’ve made in the process.”

Amanda’s advice for those thinking about joining the mortgage industry is to keep in mind that it’s time consuming and a career you truly have to be Top Agent Magazine

passionate about in order to succeed.

“Working in mortgages isn’t easy, and it takes a lot of time. However, it is very rewarding because you are helping other people achieve their dreams. Last week I helped a mom who has seven kids. Seeing how excited they were about their new home made all the long hours of work absolutely worth it.”

In addition to her duties at the office, Amanda also enjoys giving back to the community. Her employer, Bell Bank Mortgage, provides a Pay It Forward program that empowers employee 11

Amanda specializes in government loans, VA, FHA, and USDA loans. “I have a husband and two boys in the military, so VA is the one I love doing the most.” giving. Bell provides Amanda, and all other employees, $1,000 each year to “pay it forward” in her own community. Having the opportunity to impact those in need locally is a cornerstone

of her community outreach. Amanda is involved in several other charities and organizations. She also loves spending time with her husband, family, and granddaughter.

To learn more about Amanda Carter, email acarter@bell.bank, visit amandacarter.biz, or call (863) 441-6578. www.

B E LL BA N K M O R T GAGE IS AN EQUAL HOUSING L ENDER.

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3 Team Building Exercises to Revitalize Momentum in the Office A positive team dynamic can transform an average office into a powerhouse lineup. Likewise, a healthy in-office atmosphere translates to boosted productivity, while clients sense an environment brimming with positivity and support. Just as professional self-development is an essential ingredient to a dynamic career, the development of a team is indispensable to long-term growth and success. So, how do you create a platform for office Top Agent Magazine

members to combine their energies and talents for the better? For starters, add these team-building exercises to your repertoire to inspire natural comradery and momentum in your workplace.

Dream Big, Together If team members aren’t challenged, productivity stagnates and the office loses steam. The same can

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If team members aren’t challenged, productivity stagnates and the office loses steam. The same can happen if employees don’t believe their voice is being heard or taken seriously. happen if employees don’t believe their voice is being heard or taken seriously. How should a leader compensate? To curtail negativity and bring a breath of fresh air into the office, give team members a platform to think big, no questions asked.

Before your next office-wide meeting, devote a half-hour to visionary thinking. Ask each member of your team to write privately for ten minutes, considering what if scenarios regarding their current roles, career aspirations, and the office’s culture. What do they wish was different? How might things be streamlined? What skills do they wish they possessed? Encourage team members to be imaginative and wrestle with the hurdles or questions they’ve been grappling with. When time is up, split employees into smaller breakout groups and allow them to share their thoughts with one another. Not only will this ignite thoughtful discussion, but it will also allow team members the chance to brainstorm creatively, while articulating their ideas and visions for the road ahead.

Lend a Hand If in-office team-building activities aren’t your style, consider service-oriented excursions that bring office staff together and benefit a worthy cause. In the real estate field, there are countless housing-related organizations to which your office can donate their time and energies.

For instance, Habitat for a Humanity constructs homes for those in need using amateur volunteers, while there are nationwide projects that support housing relief for military veterans. The scope of your service commitment can also vary—from a dedicated day hammering away at a new home, 14

to sponsoring a golf tournament benefitting area organizations. Either way, service projects unite your team’s energies, afford employees a refreshing change of pace, and positively impact your community.

When All Else Fails, Keep it Light Sometimes team members need to blow off steam to avoid office burnout. One way to combat low energy is bring team members together for a lighthearted game. Try office-themed trivia: come up with thirty trivia questions based on your office, then divide team members into competing groups.

Encourage groups to think up team names, and organize trivia questions into themed categories.

Remember to award fun prizes to create a light incentive. A healthy sense of competition revolving around silly subject matter can get team members loosened up and working together. Concoct questions of moderate difficulty that speak to people’s common ground. For instance, how many tiles are in the office kitchen? Or, how many doors can be found in the office? These questions are light and won’t create any real tension, but will allow a reframing of a stuffy office into a collective home base. Plus, it’ll keep your next holiday party lively.

Team-building is an important form of routine maintenance, whose benefits shouldn’t be overlooked.

Whatever activity you land on, the overarching idea is to nudge team members beyond their comfortable routines and come together in a new way.

At the end of the day, you’ll boost your business, office morale, and colleagues in the process.

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ALEXANDER BEADLE With over a decade of experience in the financial industry, Alexander Beadle consistently provides clients with his knowledge, expertise, and five-star customer service. Committed to always finding the best solutions for buyers and investors, he helps clients smoothly sail through any lending scenario.

Branch Manager at Liberty Bank and Trust Company, Alexander’s goal is to give his clients the most seamless mortgage experience and help them achieve the American Dream. “I am a strong advocate for financial literacy. It gives me a lot of joy to be able to educate families on the mortgage process, and help them achieve the dream of homeownership,” he explains.

Aside from offering conventional and FHA financing, Liberty Bank also strives to give clients more niche products that fit their individual circumstances. “There’s not a loan that we don’t offer. We’re always trying to come up with ways to help our clients and give them the best products. One of the unique things about us is that we have a portfolio fund which helps out the clients who don’t qualify for conventional or FHA financing,” he says, and adds, “We are also introducing a 40-year mortgage very soon. It’s going to be a wonderful solution for customers that have been in forbearance and are looking for a way to get back to normalcy, as we will be able to refinance their deficiency amount to get them back to the same monthly payments.

It’s good for investors as well, because they will be able to see a larger profit margin. The 40-year loan will also appeal to individuals that want to get

a slightly bigger house but would like to keep the same payment.”

Humbled that so much of his business comes from referrals, Alexander believes that it’s his focus on building lasting relationships with clients that’s the main key to his success. “We’re a trusted company doing business in 50 states for 50 years, but we treat every client as if they are our only client. We give them personalized service and in return they continue to do business with us, invite us to various events, and want us to remain a part of their life. Once you do a loan with Liberty Bank and our mortgage team, we consider you family.”

As an active member of the community, in addition to serving as the president of the Georgia Association of Mortgage Brokers, Alexander is a proud father of his 6 daughters affectionally called the BG’s “Beadle Girls”. In his free time, he enjoys reading everything he can get his hands on about the mortgage industry, exercising, and sparring in a boxing gym.

Passionate about setting families up for financial success, Alexander and his team complete over 1,000 mortgages per year and are very eager to continue expanding the business. “Our team is growing tremendously and we’re very proud of our ability to help families create generational wealth. It’s the greatest joy when you know that the decisions you’ve assisted someone in making about homeownership are going to set their family on the path of success for generations to come.”

To learn more about Alexander Beadle, email ABeadle@libertybank.net, visit mortgages.libertybank.net/AlexanderBeadle.html, or call (770) 990 – 7939. www.

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CHERITH EDWARDS Cherith Edwards knows what it is like to face hardships and to overcome personal challenges, which is one of the many reasons why she has been able to build a highly successful mortgage loan business. Licensed in 2006, Cherith hit the ground running, pursuing intensive study and training to build her expertise. Over the course of her accomplished career, Cherith has lived by her motto to treat every client like family. “My goal is to save my clients money and to secure their loans in a timely, transparent, honest, and compassionate way,” Cherith says.

“Whether I’m helping a single mom or a millionaire, each person deserves to be guided through the process with patience and respect.”

Now a Senior Mortgage Loan Officer at Mortgage Investors Group, Cherith and her team offer a full-service portfolio of loans. “It’s important to me to be able to serve the financial needs of the entire community,” Cherith says. With specialized programs designed to help public servants with down-payment assistance, Cherith is deeply committed to giving back through her career. She originates loans in Tennessee, Alabama, Florida, and Georgia, and offers a wide range of options, from VA, USDA, and FHA loans, to conventional and jumbo loans, as well as principal reduction recast options for certain loans, which is a great tool for borrowers who want to buy before they are ready to sell their existing home.

With her deeply held values, her compassion, and her expertise, it is no surprise that Cherith’s business is 100% referral-based. In 2010, Cherith became a single mom overnight. “I lost every material thing I had, and there were times when I had to choose between buying

groceries and paying bills,” Cherith says. “I learned that you can’t buy the things that matter the most in this life.

I had to start my career over from scratch. I have so much compassion and understanding for my clients; I know how to listen and relate to their struggles. It resonates with people that I really care about them, their stories, their families, and what they need.”

Cherith and her team go above and beyond to make themselves available to their clients throughout the entire process. “This isn’t a nine-to-five job.” Cherith says. “We’re on call, because in the real world, people are facing real estate decisions at every hour, every day.” Cherith and her team’s professional dedication has led to enormous success: this year to date, Cherith has helped over 260 families with their closings.

“Coming from a background of losing everything to where things are today makes me truly so grateful for my clients, my family, my friends, my personal faith in God, and my church,” Cherith says. “Those relationships have helped me grow this business this way.”

Cherith is married to her kindergarten sweetheart, who is a high school teacher and sports coach.

Dedicated to giving back to the community, they are very active in their church and kids’ schools. Cherith has been a classical pianist since the age of four. She’s accompanied and played professionally, as well as for her church and for her kids’ high school. Cherith loves to spend time with her husband and their four young adult kids.

Cherith looks forward to committing herself to growing her business even more. “Now that I’m an empty-nester, I’m looking for new ways to spread the word about the services and resources that we provide,” Cherith says. “I’m looking forward to many more years of helping people achieve the dream of home ownership.”

To find out more about Cherith Edwards, contact her by phone at 615-476-3600 or by email at Cherith.Edwards@migonline.com.

You can also check her out online at cherithedwards.com www.

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8

Things Successful People Never Do

There always seems to be people around you who find success with ease, but trust me, that is NOT the case. Although luck can often times play a role in someone’s success, most of the time it’s due to hard work and avoiding bad habits.

The best way to find your own success is to implement some of qualities you see in people you admire into your own life. The hard work part is still up to you, but by shifting your perspective a bit, and NOT doing some of the following Top Agent Magazine

things, that success might happen a little quicker.

1

DON’T JUST WING IT

Successful people plan everything. Not only do they have yearly goals, but weekly and sometimes daily ones as well. By giving your time a purpose, and a clearly defined goal, you’ll eliminate the time you spend haphazardly doing things that might not be a priority. It will also make you feel less scattered, which is always a good thing. 17

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2

THEY DON’T TAKE ON MORE THAN THEY CAN ACHIEVE

Successful people take on what they can do well, and no more. That all starts with a daily ‘do to’ list. They always make sure their list is manageable and then they don’t sleep until that list is completed. If you find yourself not finishing your list, assess whether it was too much or if you slacked off. You’ll be surprised at the feeling of accomplishment you feel when you finish your list. Not finishing will bring you down, so make sure you aren’t biting off more than you can chew.

3

THEY DON’T WORK HARDER, THEY WORK SMARTER

Yes, having a strong work ethic is key, but that doesn’t mean you should waste time on things that will have less of an impact on your success. Focus on the things that will give you the most bang for your buck. Better to spend the majority of your time there, than spread yourself thin on numerous tasks.

4

THEY DON’T TRY TO PLEASE EVERYONE

This might seem like a bad call in business, but successful people know when to cut your loses and move forward. Anything or anyone, that frustration into your life, is never a good thing.

5

REPEAT THE SAME MISTAKES

Similar to not trying to please everyone, successful people are also diligent about accepting when something isn’t working 18

and moving on from mistakes. Yes, you learn from them, but don’t repeat them. Part of being innovative is trying new things, that will keep you fresh and energized, but learning how to let go is an equally important part of the equation.

6

GO FOR THE SHORT RUN SOLUTION

Successful people are in it for the long haul and therefore thinking long term. When you have a plan for success and the patience to see it through, while you might have a slow start, you’re establishing a foundation for long term success. Going for the easy fix, usually doesn’t pay off.

7

PAY ATTENTION TO THE NAYSAYERS

Lets face it, we all have people in our lives who might be a little more pessimistic than is healthy to be around. You can’t change them, all you can do is not let them drag you down into their ‘glass half full’ mentality. Have your plans and goals, be confident about them. When you’re insecure, that’s when you’re most vulnerable to those types of people.

8

THEY NEVER QUIT

That doesn’t mean letting go of things that aren’t working. It means having an end goal.

Whatever obstacles or challenges come up, you take them on, always with that end goal in sight. Successful people know that adversity and overcoming those challenges, is how you grow, and will ultimately make you a better business person.Top Agent Magazine

Top Agent Magazine

CHRISTEEN FARLEY Christeen Farley began her mortgage industry career 24 years ago. “My parents were laborers and wanted to buy their first house but didn’t know how to do it,” Christeen recalls. “They needed a Down Payment Assistance (DPA) program, and I was working for Wells Fargo at the time as a Branch Manager. So I decided to go into the mortgage side because I wanted to know how to help my parents get their first home.” Christeen started with Wells Fargo, and her parents were her first clients. Now, Christeen specializes in DPA programs “for clients who don’t feel like they have options,” she says. “You don’t have to have a million dollars to buy a house. I can get people into houses for $2,000 and it makes me feel good!”

As a Loan Officer with Supreme Lending, Christeen serves the Placer County area and has grown her business across California, doing loans from San Diego to San Francisco. The majority of her business comes from repeat and referral clients, an impressive feat that speaks to the trust and confidence she and her team inspire. “I get referrals from a lot of people now that I’ve been in business for a long time,” Christeen says.

“I could choose to be a branch manager if I wanted to, or move up in the company, but I really like working directly with clients.”

fact. “I treat everybody how I want to be treated,” Christeen says. “Loan officers refer me deals that are difficult, because I can make sure that I can fit the guidelines to ensure we can get them into their property. I’m a bulldog for my clients and treat everyone like a best friend. If I tell you approved, you’re approved. If you’re in contract, you’re going to get into your house. I’m not going to waste your time or money.”

Community involvement is important to Christeen, and she is active with the local schools. She is active with the PTA and PTC, and attends school board meetings and other local meetings to help “push the community in a better direction.” When she is not working or giving back, Christeen enjoys snowboarding, going to the beach, and taking her kids to Disneyland.

In the future, Christeen says, “I plan to keep pushing for my clients the same way I’ve been doing for 24 years.

I love helping people and having somebody think the impossible just happened for them. I love the feeling of knowing they have a home and they have stability.

Everyone needs that.”

Christeen specializes in DPA programs, as well as FHA, GSFA (Golden State Financing Authority), grant programs, city programs, and more. “I help my clients with the programs that take a little bit more time, and that sometimes other loan officers shy away from,” she explains. “I think we all should have an equal opportunity to buy a house.”

Her dedication to customer service and serving her clients’ best interests truly sets Christeen apart, and she has impressively generated nearly three hundred verified 5-star reviews on Zillow attest to that Top Agent Magazine

To find out more about Christeen Farley, please call 916.521.4467, email Christeen.Farley@SupremeLending.com, or visit christeenfarley.supremelendinglo.com https://

Copyright Top Agent Magazine 19

TREVOR FREY When Trevor Frey became a loan officer in 2003, he was excited for the many opportunities he would have to make a positive impact on his community.

Today he enjoys a repeat client and referral business of 100 percent, a tribute to the high-quality service he’s delivered to homebuyers for 18 years.

“One of the great things about this job is the personal accountability it demands,” Trevor explains. “You have so much freedom to do what you think is right and help so many people. There’s no ceiling on your ability to grow as a person or on your ability to better those around you.”

Trevor started in the mortgage industry directly out of high school, and has encountered every kind of market over his nearly two decades of experience. Throughout those years he’s shared what he’s learned via consistent educational articles, writing a mortgage column in The Brentwood Press for the better part of a decade.

From guideline changes, to market trends, to potentially new loan programs, everything is done with a consumer-first intent. “I present industry information in a user-friendly format for those that don’t immerse themselves in this business. Educating the consumer to ensure they’re able to make the most informed decision possible is the end goal.”

As a Senior Loan Officer for Supreme Lending in California’s Brentwood community, Trevor loves meeting new people every day, and can help them with whatever type of loan that fits their needs, including Conventional loans, FHA, VA, USDA, Jumbo, and Reverse mortgages. He can also help them with down-payment assistance. “There really isn’t a product

that Supreme Lending doesn’t offer, which is one of the reasons I love working here.”

Trevor has won many awards for his work over the years, including multiple top producer awards at both the state and national level. In 2013 and 2014, he was recognized as a Best Mortgage lender by 110 Magazine, and a 5 Star Professional by Diablo Magazine. The Brentwood Press named him the Best Loan Officer in the area for 5 years straight. It’s not about the accolades or even the money, however. “From day one I’ve focused on the person in front of me that I’m trying to help, not the paycheck. At the end of the day, we are customer service representatives, and if our priorities are right, clients will keep coming back.”

Trevor is always looking for ways to give back to first responders, and has been active with the Brentwood Police Activity League for the last five years, working with the Home Loan for Heroes program to support officers in local municipalities.

He also served for three consecutive terms on his local Rotary International Board. When he’s not helping clients or serving his community, Trevor loves hanging out with his children and attending their sporting events. He’s also spent much of his free time homeschooling them during Covid. If he gets a little time purely for himself, he enjoys golfing.

As for the future of his business, Trevor wants to keep providing clients with the excellent service for which he’s come to be known, as well as reaching more people by expanding his social media presence.

If you’d like Trevor’s help obtaining a loan, contact him at 925-726-1444 or email Trevor.Frey@supremelending.com. Please be sure to check out his website at trevorfrey.supremelendinglo.com http://

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Copyright Top Top Agent Agent Magazine Magazine

Take My Word for It:

The Power of Testimonials & Making Word-of-Mouth Count Ratings, reviews, and testimonials are among the most powerful tools an agent or real estate professional has at his or her disposal. Think of it this way: almost all of us go online to get a sense of dining options, film scores, and product reviews. When it comes to real estate pros, people what the same measure of comfort and advice from those who have already experienced your services. The Top Agent Magazine

bottom line is this: testimonials create a relatable emotional appeal to others, while giving potential clients some first-hand insight into your ability to deliver.

With all that in mind, consider the valuable rationale behind testimonials and word-ofmouth attention: how to harness it, and what it can do for you and your business.

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Testimonials and word-ofmouth buzz build your brand If you aren’t displaying positive testimonials and reviews on your social media outlets and website, then you’re missing out on a key opportunity. Those exploring your pages are likely seeking real estate representation, and reviews and testimonials serve as a first-hand glimpse into who you are and what you can do.

If you can, try to tie reviews and testimonials to specific names or social media handles, as you’ll be highlighting the interpersonal component at play. Think of it this way: potential clients are more likely to trust the experiences of past clients than to place blind faith in your pitch, which is crafted to create a sale. Most customers would rather look to the experience of fellow consumers before taking your word for it, sight unseen. Well-place testimonials and personal reviews can bridge the gap when it comes to your brand and the prospective client.

Testimonials and word-ofmouth buzz demonstrate your value compared to others Good agents are a dime a dozen, but top agents stand apart from the pack for a variety of reasons. Chief among those reasons is the ability to differentiate themselves from the norm by highlighting their personalities, their track records, their values. Testimonials and wordof-mouth buzz don’t just focus on whether an experience was good or bad. It dives into the details of personality and consumer relationships. While the qualifications of many agents might be similar, you can stand out by show22

casing stellar reviews and testimonials that shine upon your character and delivery. When pitched by two agents with similar experience and credentials, but only one has the testimonials featuring positive experiences and lasting relationships—wouldn’t you be more inclined to work with the agent who has a proven track record of success?

Do your homework and compile the testimonials that will drive your business At the close of a transaction, consider providing a comment card with room for clients to write a few reflections, or create an e-mail ready online form that makes submitting feedback a breeze. You can also touch base via e-mail and ask politely for a review of their experience with you. Referred or repeat clients are excellent candidates for testimonials, as they will already know your business well, or will likely be happy to contribute their perspective.

If asking for testimonials makes you cringe, you can always incentivize this process in minor ways. For example, you could offer a fun, cost-effective gift certificate in exchange for a testimonial.

Whichever way you gather testimonials that speak to your positive performance, there is no question that these documented first-hand experiences are priceless when it comes to drawing and retaining clients. If you want to inspire interest and build a living brand, there is no better method than by having clients vouch for your working style.

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Top Agent Magazine

GRACO FUNES Graco Funes has the experience, the skillset, the breadth of knowledge, and the dedication to make the mortgage loan process smooth and stress-free for his clients. He began his journey in the industry twenty years ago. “I found great mentorship, and I learned the intricacies of the process,” Graco says. “I learned what it took to close a mortgage loan on the back end, which was an invaluable experience as I moved into the next stage of my career.”

Now a Mortgage Specialist with iLoan in Chicago, Illinois, Graco provides every client with attentive service tailored to their needs. He has earned awards and recognition for his accomplishments, and he is also highly successful within the world of real estate development. As the chief executive officer of Ocarg Development Group, Graco purchases and renovates properties throughout Chicago and its suburbs, taking care to pair innovative design with the historic beauty of heritage architecture.

With extensive experience with both traditional loans as well as non-conventional varieties, Graco is well-poised to serve a diverse range of clients, from first-time homebuyers to overseas investors. “We offer an assortment of programs for our borrowers,” Graco says. “My title is Mortgage Specialist, and the reason for that is because I specialize in every loan in our industry.”

With his expertise, his depth of knowledge, and his transparent approach, it is no surprise that nearly 100% of Graco’s business stems from repeat clients and referrals. For Graco, availability and honesty are priorities and deeply-held values, earning him a stellar reputation with his referral partners and his clients.

“Availability is so important in our industry,” Graco says. “If you don’t pick up your phone on the first ring, you’re doing our business and the clients a disservice.

I make myself available 24/7, during vacations, even out in the middle of the ocean when I was on a cruise.

I pride myself on my quick response time.

Whether you’re a first-time homebuyer or a seasoned investor, I’m going to prioritize you and your needs.”

Graco’s commitment to his clients extends to how he keeps in touch. Graco checks in weekly with his referral partners and leverages technology and systems to stay in touch with his growing list of past clientele. As a solo Mortgage Specialist, Graco is regularly closing a high volume on average each year, a testament to his fierce dedication and high standard of professionalism.

For Graco, the greatest satisfaction of his job comes from his ability to navigate challenges on his clients’ behalf.

“It’s never boring,” Graco says. “There’s always more to do, more to learn—there’s always a problem to be solved. I thrive on the fast-paced nature of the job. Every loan is different. I like to say that each loan is like a fingerprint, you’ll never get the same two. Every borrower is different, every situation is different. You can’t coast in this business.”

A lifelong resident of Chicago, Graco is dedicated to his community, serving on the Board for St. Jude Children’s Research Hospital Chicago Walk/Run 5K, a cause close to his heart. He has also served as Board President of A Boy and His Dream, a foundation that gives college scholarships to local high school graduates.

Proud of what he has built, Graco has no plans to slow down. His vision for the future includes building a small team and dedicating himself to mentorship for those at the beginning of exciting careers. “I like working with the up-and-comers,” Graco says. “A lot of people helped me in my career when I was starting out, so it’s important to me to give back to the business in the same way.”

To find out more about Graco Funes, you can contact him by phone at 773-520-4930 or by email at graco@iloanrate.com Top Agent Magazine

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Top Agent Magazine

5 Reasons Why You Need a Mentor As great as it might feel to start your own business, and be solely responsible for its success, at some point, every entrepreneur reaches the limit of their potential, and needs a boost that only experience can provide.

But how do you get a lifetime of experience when you’re just starting out? Sure you can read countless books, but no book can replace the real life experience and advice of a mentor.

Mentors not only provides valuable insights, but they also have access to valuable connections as well. In fact a majority of the Top Agent Magazine

most successful CEOs and entrepreneurs in the country have said that having a mentor early on was instrumental in their success.

Here are some of the reasons why.

1. They’re able to see where you need improvement, when you can’t When you’re working non-stop to get your business off the ground, you might feel sensitive to any criticism from people who aren’t going through what you are. A good

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mentor knows exactly what you’re going though, and has probably made every mistake. When you’re in the thick of it, you might not be able to see where the problems are. A knowledgeable outsider, who knows exactly where you’re at and has only your best interests at heart is just what you need.

When you have a trusting relationship with someone like that, you will be more willing to listen to that brutal honesty, even if that constructive criticism stings.

energy into it. They can see things in a completely logical way and guide you based on the facts rather than emotion. A good mentor helps you work smarter, not harder. They help you focus on your goals and how to get there, as well as setting boundaries for you so you don’t overextend yourself. They teach you how to say no and help you let go when you need to move on from a setback.

2. They will encourage you to think outside of the box

In addition to expertise, building a strong network is something that can only come with time. A mentor will most likely have that already, giving you access to people and resources that would take others years to gain. These connections will lead to opportunities that might never have happened otherwise. It’s also a great confidence boost knowing that your mentor trusts and believes in you enough to invite you into their inner circle.

Years of experience can give someone a great idea of what works and what doesn’t.

They’ve seen things first hand, not just in theory. At the same time, mentors recognize the importance of taking chances, calculating risks, as well as cutting losses and moving on. A good mentor isn’t trying to encourage you to be a carbon copy of them, they are trying to create the best ‘you’ possible. That includes encouraging you to take chances, and then being there pushing you to keep going forward if it doesn’t work out.

A good mentor knows that even failures can be opportunities.

3. They take the emotion out of decisions and help set boundaries Unlike you, a mentor has no emotional investment in certain business approaches that you might have decided to try. There’s nothing harder than admitting something isn’t working when you’ve put a lot of time and 26

4. Networking

5. Encouragement At the heart or it all, a mentor offers you encouragement and motivation along the way, in good times and in bad. After a failure, it can be hard to get back on track and keep forging ahead. It helps to have someone who has spent year getting back up after being known down and coming out stronger than ever. It’s during those moments, when you feel alone and isolated, that having someone around offering you advice and positive feedback will be a much needed salve. They’re your cheerleader, they want you to succeed, and hopefully, you’ll pay it forward one day when you become as successful as them.

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Top Agent Magazine

LINDA GARCIA A resident of the North Florida area since 1987, Linda Garcia has always been passionate about helping others. Her interest in the mortgage industry began in 2003, while serving in the customer service department of a prominent Florida lender.

There she had the opportunity to learn the business from the ground up. Inspired, she decided to put her dreams and ambitions into motion and obtained her Mortgage Loan Originator license. In the years since, she has gone on to author an accomplished career as a Mortgage Loan Originator, establishing a network of satisfied clients and colleagues that spans the region.

Today, Linda is the Owner and President of Mortgages

by Linda, where she supervises an elite team that helps her to assist clients throughout Florida. She has cultivated a boutique workflow around values of openness, integrity, and compassion to meet the demands of even the toughest transaction.

When serving her borrowers, Linda offers a full suite of options, including Conventional, FHA, VA, and USDA loans. But no matter the client, she is sure to personalize her approach with their best interests in mind, ensuring they make well-informed decisions on their future. In fact, she remains in touch with her clients well after the deals are done to provide ongoing assistance and ensure they are fully satisfied in their homes. “Because I know these transactions can be stressful and overwhelming, I set a strong standard for personal attention for every client,” she says. “In this business, I care about the people—not the transaction.

At the end of the day, knowing that I’ve helped my clients is the greatest reward of all.”

Elsewhere, Linda is just as hands-on when working with Real Estate Agents that rely on her expert communication skills to keep them included throughout the loan process. Over the years, she has earned a fantastic reputation throughout all of Florida, with the vast majority of her business coming from repeat clients Top Agent Magazine

or referrals. This is evident in her production which averages over $2.5 million per month. “This business all comes down to knowledge and experience. Regardless of a client’s circumstances, I work hard to structure a loan with their best interests in mind. Throughout the loan process, my team and I are all-hands-on-deck, working together to get each client to the closing table on time.”

Outside her career, Linda is deeply committed to her community. On top of serving in her local church and Women’s Council of Realtors, she also provides sponsorships to area schools, communities, and youth sports. When she’s not with clients or giving back, she can be found shopping, traveling, or spending quality time with her family.

Going forward, Linda has strong plans for the future of her team. As her business continues to grow at a rate of 30% each year, she remains focused on scaling the model of personalized service that has long set her apart in her community. “As a business owner, you have no one pushing you but yourself,” she says.

“When I wake up, I aspire to make the best of each day while assisting as many people as possible. For me, being a loan originator is more than a career; it’s something that I truly love to do.”

To learn more about Linda Garcia email linda@mortgagesbylinda.com, visit mortgagesbylinda.com or call 904-591-3662. www.

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ABE HAWEILEH Throughout his life, Abe Haweileh has always been drawn to the mortgage industry.

After dabbling as a loan officer in the mid2000s, he would pivot into the automotive business, building a successful career around Rancho Cucamonga. However, Abe still found himself returning to his passion for helping others realize the American Dream of home ownership. Inspired, he would partner up with his brother Fadi, a leading Realtor® in the region, to launch Capital Mortgage Group—and the rest is history.

Today, Abe is the Owner of Capital Mortgage Group, where he assists clients throughout Rancho Cucamonga and the surrounding areas. Alongside his elite team, he possesses the expertise, insight, and attention to detail needed to meet the demands of any transaction.

At Capital Mortgage Group, Abe offers his clients a full suite of options, from FHA and conventional loans to hard money or bank statement loans. Moreover, he provides any resources necessary to complete the transaction in-house, ensuring a one-stop-shop for every borrower. And from start to finish, he is fully committed to his clients, catering his approach to their best interests and carefully educating them each step of the way. “My team thrives off of customer service,” he says. “When I do a loan, I treat each client as if they were a member of my own family; after all, I want them to find the best possible option for their needs.

Starting out, we set our standards to whatever our clients feel comfortable with, and we go from there.”

Through the years, Abe and his team have earned a fantastic reputation throughout California, as evidenced by the vast majority of their volume coming from repeat clients or referrals, as well as his

countless 5-star reviews on Zillow. Having built a robust network of satisfied clients and Realtors® alike, he remains committed to the boutique model of service that has set his team apart in the first place. “In this industry, people need you to be available at a moment’s notice. Because of that, my clients and Realtors® trust that my team is here for them, 24/7.”

Outside his career, Abe is committed to his community, with Capital Mortgage Group supporting charitable organizations throughout Rancho Cucamonga and even sponsoring families in-need.

When he’s not with clients or giving back, he enjoys spending quality time with his beloved family and nephew, going for a hike in the mountains, or relaxing on the beach—enjoying all California has to offer.

Looking ahead, Abe has strong plans for the future of his business. Recently, Capital Mortgage Group has opened a second location in Laguna Beach, with plans to expand into Las Vegas in the coming months. Moreover, his vice president, Tony Sayegh, joined Capital Mortgage Group this year, and Abe is so thankful to have him as part of his growing team.

But as his client base continues to grow, Abe and his brother Fadi are most excited to scale the unmatched standards that have anchored their careers. “Fadi and I aren’t just business partners; we’re life partners,” Abe says. “I could not have done this without the loving support of my parents and family, and always trusting in God’s plan. At the end of the day, my biggest reward comes from helping clients accomplish one of life’s most important goals. There’s nothing more fulfilling than celebrating the completion of their transaction and seeing them purchase their dream home.”

To learn more about Abe Haweileh, email abe@mlmortgage.net, visit capitalmortgageloans.com or call (909) 908-6988. www.

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Top Agent Magazine

How To Send

SMARTER EMAILS

Email is a great tool for agents to use when trying to stay in touch with their past clients, as well as for reaching out to prospective clients. However, used incorrectly it can make your attempts to reach out seem like spam. The secret to using email effectively is making sure that everything you send out does one thing: ensure that you remain relevant to your contacts. To do this you have to get personal. Personalization will go far to ensure that your contacts are actually clicking on your emails. This means that if you do reply on an automated drip email campaign to build business, you need to customize your content so that it delivers something meaningful to each individual recipient. Here are some steps that will help you do exactly that:

1. SEND A WELCOME EMAIL TO

NEW CLIENTS AND PROSPECTS Rather than simply add new contacts to your automated email drip campaign, make sure to send each new contact receives a warm welcome as well. Sending a welcome email along with adding new contacts to your drip campaign is proven to be 86 percent more effective at catching your contact’s attention. Let them know they are welcome and that you appreciate their interest.

Top Agent Magazine

2. NURTURE YOUR RELATIONSHIP

THROUGH YOUR EMAIL To let your potential client know that you are thinking about them by sending them useful content that relates to the process of buying or selling a house. Some great topics include credit score information, ways to save money, regular market updates, what buying in your market is like, information about the neighborhood, tips on how they can prepare their home for sale, and other relevant information. A great way to

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add to these emails’ punch is to time them so that they coincide with what that individual is going through and dealing with at that time on their path through the buying or selling process.

3. CELEBRATE IMPORTANT DATES

Everyone loves to be noticed and appreciated.

Schedule emails to go to each client that celebrate their purchase anniversary or birthday.

Make sure you include a personal note and your own wishes that the year ahead goes well for them. If you’ve been a bit out of touch with your contacts, you might want to send them a friendly hello.

4.

MOBILE-FRIENDLY EMAILS With our phones being akin to mini computers, most people read their emails on their phone these days. So, it is particularly important to make sure that your emails are rendering well on the smaller screens. If you want to make any kind of impact, you have to run a mobile-friendly email campaign in today’s world. You are going to lose a lot of your audience if they can’t read your email on their phones.

5.

TRACK THE PERFORMANCE OF YOUR EMAILS AND ALTER ACCORDINGLY The best way to make sure your emails are being read and making the kind of impact you desire is to consistently monitor the analytics,

and see what your readers are actually clicking on and what elements are most popular with your contacts. Going forward you can alter different elements of your email campaign such as content, images, graphics, and even smaller elements like your subject line to draw in more clicks from your readers, and cater to what grabs their attention.

You also want to follow a targeted email strategy. The best way to do this is segment your email list based on the data from your CRM and the demographics of your contacts. Different clients are going to be interested in different content. Long-time clients looking to buy a second home or possibly downsize are going to be interested in completely different content than your first-time buyers. A good way to filter your contacts is by looking at which ones are looking to buy or sell, how far along in the process they are, as well as other important information about them.

6.

DON’T SPAM UNDER ANY CIRCUMSTANCES You probably already know that flooding your clients’ emails is big no-no. However, different people have different ideas about what is too much contact. One great way to approach this problem is to ask your clients whether they would prefer weekly, monthly, or occasional emails from you. This way you can cater to each client’s preference.

The emails you send your clients can often be a double-edged sword when it comes to how well they work to bring in business. Following these simple rules will help your emails be as successful as they can possibly be, and will make your contacts much happier with you. So, don’t just send out emails without doing your homework about how to do it right. Your email campaigns can be a powerful tool if you know how to create and utilize them in the right manner.

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Top Agent Magazine

SPIRO HISHMEH Born and raised in San Francisco and a longtime resident of Marin County, Spiro Hishmeh got his start in the mortgage industry in 1994. Prior, he had owned and managed his own cafe in San Mateo, but when his good friend got into the real estate business, Spiro recognized the potential in mortgages and decided to pursue his license. He hasn’t looked back since.

Today, Spiro is the Branch Manager at Premier Lending, where he supervises an elite team to assist clients throughout the North Bay. There, he has leveraged his expertise, compassion, and outstanding communication skills to author an accomplished career, establishing a network of satisfied clients and Realtors® that spans the region.

At Premier Lending, Spiro is well-versed in a wide variety of residential loan packages, from conventional loans to multi-unit homes. But from start to finish, he caters his approach to each client, educating them along the way and carefully guiding them to the right option for their best interests. In fact, Spiro and his team keep in touch with their clients and referral partners long after the closing to provide ongoing support for the transaction. “My wife has a picture of me going down Splash Mountain, on the phone with a client in the middle of a fifty foot drop,” he says with a laugh. “We joke about that all the time. Nevertheless, I’m always available for my clients—no matter when they need me.”

Through the years, Spiro has earned a fantastic reputation throughout California, with the near

entirety of his volume coming from repeat clients or referrals. Sporting countless five-star reviews and on pace to complete $150 million in volume in 2021 alone, he remains focused on the hands-on approach that has truly set him apart in the region. “I treat every single one of my clients as if they were members of my own family. After all, these are some of the most important transactions of our lives. Knowing how nervous they can get, I hold their hands in the process and ensure they are comfortable and happy throughout.”

Outside his career, Spiro is deeply committed to his community. Previously, he and his team have supported various fundraisers and nonprofit organizations around Marin County, including Toys for Tots and holiday giveaways. They have also hosted an assortment of fundraising events, such as local golf tournaments, to raise funds for area causes.

When he’s not with clients or giving back, Spiro can be found relaxing on the beach, drawing, or spending quality time with his family. But looking ahead, he also has exciting plans for the future of his business. As his volume maintains its steady growth, he intends on adding to his team while expanding his presence all throughout the North Bay. “I’m here to serve,” he says. “To me, there’s nothing more satisfying than the moment when our clients get the keys to their new house. At the end of the day, we don’t care about how many transactions we complete each year; we care about how many families we’ve helped—that’s what matters most.”

To learn more about Spiro Hishmeh, email spiro@premierlending.com, visit speedyapproval.com or call (415) 948‑1952. www.

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DAKOTAH KUTZ Nobody knows better than Dakotah Kutz the impact on other people’s lives a person can have by performing their job with passion and skill. It was just such a person that inspired her to become a mortgage loan originator.

“When my husband and I began making inquiries about what it would take to purchase our first home, we were under the assumption that we would have to wait a while. But our mortgage lender walked us through the process and showed us that we could afford a house with down payment assistance. We were incredibly grateful, and I decided that was the kind of work I wanted to do—helping people achieve their dreams.”

In 2020 Dakotah became a Junior Loan Officer at the First National Bank of Omaha, originating a variety of loans for clients in Colorado’s Weld County, including Conventional, FHA, VA, CHFA down payment assistance, HomeReady mortgages, and portfolio products. She closed an impressive $30 million in her very first year, with 80 percent of that volume coming from Realtor® referrals. That trust is the result of Dakotah’s dedication to the needs of her clients, and her efforts to make sure their loan process is as smooth and stress-free as possible.

“I’m proactive about correcting any problems as they arise,” Dakotah explains. “I’m also very communicative throughout the process, so that there are no last-minute surprises. I treat every client as if they are my only client, working with them in whatever way

they need from the application process to the closing table. This is something I’m passionate about, and I take a lot of pride in knowing that I’m doing something that improves people’s quality of life!”

The consideration she shows to coworkers has also been integral to the growth of her business, and she has formed strong bonds with a number of Realtors® to whom she has referred clients. “It was important to me to send them business before asking them to help me,” she insists. “I look for agents that I respect and with whom I feel a connection, and then I nurture those relationships rather than trying to network with a ton of people just for the business.”

In addition to the life-changing work she does with the bank, Dakotah is conscientious about contributing to the health of her community, and has volunteered with various charities. She launched a 4BR Network group in Greeley last year, which hosted The Give Back Cornhole Tournament benefiting the Boys and Girls Club of Weld County. She’s also involved with the Weld County Leadership Group. In her free time, she loves going on adventures like biking or fishing with her husband and their 2-year old son.

“But what my son really loves is Monster Truck Shows,” she laughs.

Going forward, Dakotah plans to grow her business, hoping to reach $60 million in 2022. “But I want that growth to be organic,” she explains. “I want to work with people I know and like and trust, and who feel the same way about me.” She’ll also continue educating herself on every facet of her industry in order to be the best mortgage lender she can possibly be for her clients. She already knows what a difference she can make.

Contact Dakotah at 970-584-0003 or email dkutz@1stnationalbank.com.

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How Soft Money Loans are the Future of Lending ‘Soft Money’ is a relatively new term in the lending industry; an innovative approach to private money lending, a soft money loan combines the benefits of a hard money loan with the greater security that a traditional loan Top Agent Magazine

offers. While a soft money loan requires more underwriting, it also offers lower risks and less risk, making it a deeply attractive option to borrowers who find the concept but not the details of a hard money loan appealing.

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Hard Money Loans As you know, a hard money loan is an assetbased loan, based on the Loan to Value (LTV) of the investment property. They require little underwriting, making them a quick loan for borrowers to get approved, are bridge loans, and are generally not based on a borrower’s credit score. This makes them a high-risk loan that is used for real estate investment. The high-risk nature of this type of loan as well as reservations from the 2008 housing market crash, may make some borrowers reluctant to pursue this type of loan. This type of loan also does not increase a borrower’s credit rating, which may also decrease their appeal to borrowers with good credit.

What is Soft Money?

Soft Money is an innovative new approach to private money lending which combines the benefits of both hard money loans and more traditional loans. First, a clarification on the name: the term ‘soft money’ in the world of lending is completely different from ‘soft money’ in the world of political campaigning. In the context of lending, the term ‘soft money’ implies that this type of loan falls somewhere between a hard money loan and a traditional loan.

A soft money loan requires more underwriting than a hard money loan, allowing it to have lower rates and greater security. It is based on both the borrower’s credit score and the property’s LTV, and is always a term loan

rather than a bridge loan. Additionally, this type of mortgage loan program is beneficial for real estate investors with a credit score of 650 or above. The combination of lower rates, higher LTV’s, no tax returns and a longer time frame makes the soft money loan a better fit than a hard money loan for many borrower’s situations, particularly those interested in investing in long term rental properties.

Soft Money Loan rates start at 4.375% and go up to 85% LTV for most investment property types.

Why is Soft Money the Future of Lending?

Calling soft money ‘the new hard money’ may seem trite and contrived, but upon further reflection, soft money truly is the direction for the future of private money lending.

While the hard money loan is still the most popular option for many real estate investment scenarios, the soft money loan will increasingly become the loan used by first-time real estate investors or borrower’s looking to hold a long term investment property, and investors with a high credit score who are looking for higher LTVs and lower interest rates.

Unlike conventional investment property loans that max out at 70% LTV, a NO-DOC Soft Money Loan Program maxes at 85% LTV and with no PMI. This allows the borrower to put less money down on their purchase.

When you’re ready to invest, Stratton Equities can help. We are the nationwide leading direct Hard Money and NON-QM lender, with an impressive array of programs, lowest private money rates (starting at 4.375%), professional team of experienced loan officers, and quick loan approval process.

If you have an investment property and wish to speak with one of our Loan Officers, call Stratton Equities at 800-962-6613, email us, or apply for loan pre-qualification today!

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JENNIFER McCAIN “We really care about our clients,” Jennifer McCain explains. “We want what is best for them. And if they want a world class experience from beginning to end, they should give us a call.” As VP of sales at ASLAN Home Lending Corporation in Denver, Jennifer is committed to providing superior service at every step. She began her journey as a portfolio lender, where she met ASLAN CEO Carrie Gusmus. “She was one of my referral partners who would come to me with unusual loans she couldn’t get done,” Jennifer says.

Impressed by her determined nature and ability to efficiently close, Carrie asked Jennifer to join her team. Although Jennifer was nervous to leave her salaried position, she eventually took her up on the offer, and hasn’t looked back since. “My only regret is that I didn’t start sooner. I absolutely love it.”

Woman-owned and run, ASLAN fosters a supportive and team-oriented environment. “We are not solely focused on production, we are focused on creating a harmonious company, where we care about one another and want what is best for everyone,” Jennifer says. “Of course we want top producers, but we also want people who believe in our philosophy.” The hiring process at ASLAN is rigorous, but once onboard, loan officers have access to extensive training and all the tools for success. “I run the Rookie Club, which meets every week, and we also have a 12 week sales training program where we teach new people how to do what we do, and how

to do it well.” This course is offered to anyone interested in learning, even those who are already established. “It can really be for anyone who wants to up their game and produce more.”

Offering all the traditional loans as well as unique ones, like bank statement or renovation loans, they’re able to accomplish their clients’ goals.

“Our philosophy is ‘Get to Yes,’” Jennifer explains. Their commitment to finding creative solutions has resulted in their business being largely referral-based.

Community is an integral part of Jennifer’s life, so she always makes time to give back. “For years I did the Park Hill Home Tour, and every year one real estate partner and I pass out grocery bags to all my neighbors and ask them to fill it up with food items for the food bank.” During any free time, she can be found hanging out with family, including her husband, Scott, and their two daughters.

Continuous growth is in Jennifer’s future, as she hopes to help the team expand. “We don’t want to be a huge company, but we want to eventually consist of around 300 loan officers.” Ultimately, it’s quality over quantity for the ASLAN team, as they only want to bring on like-minded individuals who truly care about the client experience. “It’s so gratifying to help someone buy a new home, and making that experience as joyful as possible is incredibly satisfying.”

For more information about Jennifer McCain, please call 720-425-5090 or email jenniferm@aslanhlc.com

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MIMI MONTGOMERY As a mortgage broker, you must be doing something right when your clients call you for help with things that have nothing to do with buying a home. But that’s just a day in the life of Mimi Montgomery. “My mother calls me the ‘counseling broker’ because people ask my advice about everything,” Mimi laughs. “Obviously, I can’t help them with everything, but I’m glad they come to me all the same. I always want to be known as a kind and friendly person who will go the extra mile for people.”

After graduating college, Mimi taught school for 5 years before joining her brother’s brokerage in 2004, in anticipation of the birth of her son. “I wanted something with the flexibility to allow me to both work and be a good mother,” she explains.

“This was a great fit because it allowed me to access the skillset I’d developed as a teacher.

Getting a loan can sometimes be a very stressful process for buyers, and I think I’m good at finding creative paths to finance. I also have a lot of patience, so when problems arise I’m able to soothe feelings so that we can move forward in productive ways.”

Mimi became broker and owner of Baymont Mortgage in 2019, serving clients in League City, Texas and all over the Greater Houston area. “Your Friends in Lending” is an apt hashtag for a brokerage that offers every kind of loan a potential borrower could hope for. Baymont specializes in FHA, First Time Buyer Home Loans, Conventional, and VA

Loans, but it’s the customer care that sets Mimi and her team apart.

“We offer levels of service that other brokers just don’t offer. Our goal is to make sure our clients feel like they have someone on their team as they pursue their dream of home ownership. It’s good work, and very rewarding. I love what I do!”

She’s effective too, as her 100 percent referral rate and gushing reviews attest. One happy client said it like this: “To say that Mimi is ‘good at her job’ is an understatement.

She is simply phenomenal. My husband and I were first time homebuyers. We felt clueless and overwhelmed. We had had 2 bad experiences with other lenders and were frustrated….The first time on the phone with Mimi, and I was put at complete ease…. She moved mountains for my family and made sure we closed quickly.”

One could go on—and the reviewer does—but it’s very clear that Mimi has built a reputation as a mortgage broker people can count on no matter what. Nor does that relationship end when the paperwork is signed. Even when past clients aren’t calling on her to aid them in other arenas, Mimi is reaching out, with handwritten notes, monthly newsletters, or pop-by gifts.

Mimi is very involved with her community as well, participating in various outreach programs. Going forward, she wants to grow her business while continuing to provide the excellent service and personal touch people have come to expect from Baymont.

Contact Mimi at 832-860-2000 or email mimi@baymontmortgage.com

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Productivity Killers: 4 Ways to Make Better Use of Your Working Hours

Even on the busiest of days, it can be hard not to get distracted by social media, smartphones, chatty colleagues, or personal to-do list items. So how do you keep your professional blinders on and power through your tasks with efficiency? Practice these four tips and witness your productivity skyrocket—easing stress and bringing renewed energy to your daily duties.

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1. Create a sense of peace and quiet The office may not be your idea of a tranquil oasis, but for most, focus requires quiet and calm to best lend attention to the task at hand. If you find yourself seated next to talkative coworkers or in the center of a bustling office atrium, consider noise can-

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celing headphones, earplugs, or carving out an empty conference room for your work day. Turning the volume down creates fewer chances for disruption, allowing you to make the best use of your time.

4.Take your smartphone off the table

2. Organize your workspace A messy work area breeds anxiety and distraction, but a clean and organized desk inspires efficiency. If you’ve got a busy day ahead, take fifteen minutes and organize your workspace: gather miscellaneous papers into their proper place, dispose of out-of-date or unnecessary documents, or give your keyboard a dusting. Not only does cleaning and organizing your workspace prepare you for the work ahead, it also helps you transition to a productive, goal-oriented mindset.

3.Create a goal-oriented reward system Coffee breaks, coworker catch-up, and social media check-ins tend to break up our workflow on an hourly basis. Instead of trying to go cold turkey on these workplace routines, reframe them as rewards.

For every to-do list item you complete, allow yourself a fives minute treat, whether that’s a fresh cup of coffee or a walk around the block. Not only will creating a reward 38

system help you stay motivated throughout the day, it will also provide you with much-needed mental breaks that actually boost long-term productivity.

The number one productivity killer in this day and age? Smartphones. With access to endless social media portals, web browsing, text conversations, and games, smartphones are one-stop shops for distractions. While you may not want to delete apps from your phone, try leaving your smartphone in a locked desk drawer until your next break, or safely in your car. By simply putting your smartphone out of your line of sight, the impulse to distract yourself is muted.

Even though technology and the modern office create ample opportunity for distraction, making these few small adjustments can go a long way in safeguarding your productivity. After all, a productive day allows you to enjoy your time at home and outside the office, without the worry of incomplete tasks and looming deadlines darkening your day. Keep these productivity tricks in mind as you mount your daily to-do list and you’ll be thanking yourself tomorrow.

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MARCO SANCHEZ Goal-oriented and determined, Marco Sanchez has become a top loan consultant in the greater Atlanta region. He got his start in 2016 after being recruited from his career at a television network.

“Being in the mortgage industry was the perfect fit, because my parents lost their house in the last market crash, and I wanted to make sure that didn’t happen to anyone else,” he says. Marco jumped at the opportunity and hasn’t looked back since, now working with New American Funding in Marietta, GA. With a youthful spirit and a desire to go above and beyond expectations, many of Marco’s clients are first time home buyers. He loves helping people navigate the often confusing landscape of purchasing a house, educating them along the way so no questions are left unanswered.

“They frequently come to me unprepared and not knowing what to expect,” he says. “It can definitely be a challenging process, but I’m there for them at every step.” Bilingual in Spanish and English, and with access to a variety of loan products, he can assist many different types of buyers. As part of a team, Marco is able to tackle each transaction efficiently. “We really all work as a unit to make sure the process is smooth, and that they’re getting the communication they need,” he explains. Marco is eager to set his buyers up for success, getting them the best possible rates and ensuring they know what to expect. “My borrowers can see themselves growing with me, and returning to me when they want to get into a bigger home down the line or downsize.”

Real estate agents are another important aspect of

Marco’s business, as he has developed partnerships with many. “I have in person meetings with my referral partners regularly, and I’m always there for them so they know they can count on me.” During the transaction, Marco sends out notifications to the agents when each milestone is accomplished, keeping them in the loop at all times. “Real estate agents are always on the go, so they really appreciate it when we can come to their office and make time for them.” Marco often participates in first time homebuyer seminars and webinars at their offices, answering questions and bringing awareness to the current mortgage market.

Community is important to Marco, so he is always involved in various events, associations and charities. He is part of the Young Professionals Group for the Greater Atlanta Homebuilders Association, which helps young career-minded professionals determine what to do next. “We also do fundraising for several charities, and I serve as a mentor for my Latino-based fraternity where I’ve been a member since 2011.”

As for the future, Marco’s focused on helping more people achieve their dreams of homeownership while maintaining the same level of service. With his family being personally affected by the 2008 mortgage crisis, he knows the importance of owning a home, and he’s found it incredibly rewarding to help people overcome hardships or avoid them altogether. “Taking the time to ensure my borrowers are going to have solid financial futures, and making sure we achieve their goals, is so valuable to me.”

For more information about Marco Sanchez, please call 470-643-8215, email marco.sanchez@nafinc.com, or check out this Facebook video.

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JASON SOLOWSKY A New Jersey native and Top Loan Originator, Jason Solowsky got his start in real estate 16 years ago in 2005. Friends working in the industry piqued young Jason’s interests. “Growing up,” he recalls, “I found real estate fascinating.” Now part of the Liberty Union Team at Homebridge Financial Services. Jason is licensed in New Jersey and Florida and serves over 150 homeowners annually. In both 2020 & 2021, Jason was honored as a 5-star mortgage professional award recipient.

Reviews on multiple websites speak to Jason’s commitment to excellence. One such Zillow review states, “Jason delivered, and we couldn’t be happier! Jason was incredible.” Another satisfied client sums up his experience with Jason: “This guy is awesome.”

Jason is a mortgage lender who often works with union workers and other public servants, such as police, firefighters, state troopers, and correction officers.

Endorsed by unions like the New Jersey State Firefighters’ Mutual Benevolent Association and the Law Enforcement Labor Union representing Correctional Officers, Jason is well-versed in first-time homebuyers, multi-family residences, condo financing, jumbo mortgages, and refinances. “When my clients choose me as their mortgage loan originator, they choose attention to detail that delivers effective results and eliminates home financing headaches,” Jason says. Repeat and referrals make up 50% of his business. This year, he is on track to total over $70 million in volume.

Clients come back for many reasons: Jason is accessible and knowledgeable. “My clients call me any time,” Jason stresses. “No matter where we are in the process, I am hands-on and totally engaged.” Also, he places a high value on Realtor® relationships across

the state, cultivating and nurturing partnerships. Jason values staying in touch with past clients, and checks in with monthly emails, text messages, phone calls, cards, and a closing gift. Jason loves customer interactions. “I enjoy being involved in one of the biggest decisions of the person’s life and steering them in the right direction, in the right area, with the right loan product,” Jason says. “These are life-changing decisions I’m involved in. It is an honor.”

For Jason, marketing himself to Realtors® comes as second nature. “My Realtor® relationships and partnerships are significant to me,” Jason says. “Many of my current agents have been with me for a long while.” He stays with agents and doesn’t often search out new Realtors®, preferring loyalty, friendships, and word-of-mouth. Agents know Jason has their backs.

Whatever loan arises, he provides solutions for a diverse range of clients, quickly overcoming challenges, and tailoring products. He specializes in regular, conventional, VA, FHA, and construction loans.

When not working, Jason actively engages in his community, often attending local union meetings or running for a good cause, like the NYC Marathon to raise funds for the global nonprofit Keep a Child Alive. During the covid crisis, Jason’s whole team was hands-on, donating where needed, making house calls, and supporting first responders. “I like to give back,” Jason says. He also served as the President of the Orange Essex United States Junior Chamber, or Jaycees, a leadership and training civic organization for young people. When not working, Jason is a big football fan who likes to fish, exercise, and hang out with family and friends. For the future of his business, Jason looks forward to growing his team and his Realtor® relationships.

You can get in touch with Jason at 973-943-7289 f: 888-838-1854, e: jason.solowsky@homebridge.com, web: Homebridge.com/jasonsolowsky www.

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Why Delegating is the Key to Long-lasting Success Delegating isn’t a dirty word. In fact, it’s the secret weapon of some of the most successful real estate leaders out there. Those that want to succeed and lead a business built to last understand that delegating is the key to growth and longevity. While the idea of delegating may sound nice, consider a few ways in which delegating adds professional value that goes far beyond efficiency.

DELEGATING DEVELOPS YOUR MANAGEMENT TECHNIQUE Have you ever considered that delegating tasks and responsibilities can help you, as Top Agent Magazine

a leader, develop your managerial skills?

While the main objective of delegation is to distribute work in a balanced, efficient way, it’s also a chance to assign tasks with insight, calibrating your team in the process.

Consider delegation an opportunity to build strengths and address weaknesses on your team by choosing specific tasks for specific employees. You can also work on and expand your communication skills, find ways to streamline your delegation tactics, and create opportunities for collaboration. Don’t just delegate blindly, be thoughtful in how you parcel out the workload and responsibilities. Doing so will allow you to fortify your

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While the idea of delegating may sound nice, consider a few ways in which delegating adds professional value that goes far beyond efficiency.

management skills, in addition to lightening your load for the better.

DELEGATING BUILDS COLLECTIVE CONFIDENCE Another byproduct of delegating is that it builds collective confidence in the ranks of your office. By giving employees the chance to flex their skills and control their own small slice of the pie, you’ll be fostering a sense of responsibility and growth on your talent roster. Not only will your staff benefit from the chance to step out on their own, but the team will also benefit as a whole, as each member will attack their duties with a renewed sense of confidence and competence. This collective aptitude will translate to clients and industry colleagues, who will sense the power of a practiced, well-calibrated team in which each member has the chance to shine.

DELEGATING SHARPENS WEAK SPOTS IN OFFICE COMMUNICATION Proper delegation requires clear communication and the careful outlining of responsibilities, goals, and expectations. By regularly delegating to staff, you’ll be giving the whole office the chance to curtail careless communication habits and establish a new benchmark for quality correspondence. Begin by setting an example by clearly communicating delegated responsibilities, leaving the door open for 42

questions, and by making progress reports the standard. After a while, these good habits will become engrained in your team, and your office will benefit from a uniform and effective communication style, no matter the project.

DELEGATING TURNS ACCOMPLISHMENTS INTO A TEAM WIN The ultimate goal of delegating duties is to get the job done, but when you practice delegation, each team member will have a stake in the outcome. In other words, a job well done can be celebrated by all. Giving your team the chance to invest themselves in an overarching project allows for a big pay-off once success is achieved. Not only does this boost morale and provide meaningful motivation for daily work, but it also builds a sense of comradery among the ranks. What’s more, team members will know they’re taken seriously and considered valuable to the team’s dynamic. And don’t forget: a job well done is a reward in and of itself, but it also doesn’t hurt to demonstrate your gratitude for a team goal accomplished.

Delegating responsibilities isn’t a new idea, but the benefits are more plentiful than most imagine. With that in mind, capitalize on opportunities to delegate and you’ll not only be bolstering your business, but building your team and your own professional profile for the long haul.

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QUINN STOWE A native Texan with an unparalleled knowledge of both the mortgage and the real estate industries, Quinn Stowe works as a loan originator at the Barton Creek Lending Group. Specializing in conventional, VA, and FHA loans, he started his mortgage career in 2000 and, thanks to his work ethic and exceptional results, has been able to build a client network that’s almost fully referral based. Quinn is currently licensed in Real Estate as well, with his wife Julz.

Quinn credits his success to his fierce understanding of the market as well as his detail-oriented approach.

Past clients would describe him as an educator who enjoys helping others learn about the mortgage process. “I’m very thorough in the way that I explain the steps of this process to my clients. I really want them to understand the product they’re choosing, because I know a lot of this stuff is new to them, and it might seem daunting since they are not very familiar with it.

I’m also very responsive to any and all questions they may have for me. I want them to understand everything from start to finish. If I sense that they’re unsure about something, I elaborate or go over it with them again,” he says. Quinn also enjoys the support he receives from the Barton Creek in-house team, who help him behind the scenes.

What keeps Quinn so passionate and determined about his work is his love of helping others learn new information. “I genuinely enjoy teaching people. I’m also licensed in real estate, so I have a good grasp of the housing market. I have a lot of knowledge in the mortgage and real estate industries, and people want to know all the different aspects of this process when they’re buying a home. They feel confident about the decisions they’re making when they’re done talking to me because of the information I’m able to convey Top Agent Magazine

to them. In doing so, I am able to help them realize that they’re in good hands and give them that peace of mind,” he explains.

Outside of work, Quinn strives to make time for community involvement and is active at his local church. He is also a devoted family man and coaches his stepson’s flag football team as well as his other stepson’s soccer team. In his free time, which is rare, he enjoys the outdoors, and his favorite activities include mountain and dirt bike riding.

Despite the challenges of the past year due to COVID-19, Quinn is determined to make 2022 a great year. And as always, his focus remains on providing his clients with the most elite level of service, going above and beyond to help them achieve their goals of homeownership, and guiding them every step of the way. “I truly love what I do. I love helping people, and I hope to continue doing it for many years to come.”

To learn more about Quinn Stowe, email QStowe@bartoncreeklending.com, visit qstowemortgage.com, or call (512) 522 –1195. www.

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How to Get the Biggest Recharge

Out of Your Lunch Hour When things get busy, it’s typical to find a grab-and-go lunch and keep plugging away on the tasks at hand. While some days demand this kind of hustle, your lunch hour can be a valuable window in which to recharge and set the tone for the latter half of your day. In fact, taking a mindful break at midday can create 44

mental space for extended productivity and provide the morale boost necessary to take on a new task for the afternoon.

But how do you maximize that hourlong reprieve amidst a busy schedule?

Here are a few ideas for inspiration, no matter what your tastes or preferred habits may be.

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Taking a mindful break at midday can create mental space for extended productivity and provide the morale boost necessary to take on a new task for the afternoon.

GET MOVING Just ten minutes of light exercise can get your blood pumping and your energy renewed.

Step outside and take a brisk walk around the block, or walk to your favorite sandwich shop instead of hopping in your car. Find ways to incorporate light exercise into your lunch hour routine and you’ll not only enjoy a chance to stretch your legs and get your eyes off of screens, but you’ll also reap the health and mood benefits of endorphins. Even extended stretching or mild calisthenics can provide rejuvenating relief in short order.

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PLAY CATCH UP Sometimes catching up with an old friend or family member can brighten your day and give you a morale-boosting outlet beyond the office. During your next lunch hour, why not combine a jaunt around the block with a call to catch up with your sibling or college buddy? Shifting your focus from work and centering instead on a comforting interpersonal relationship can really boost your mood and reinforce your personal values.

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CHANGE YOUR TUNE

SOAK UP THE SUN If you’re tempted to eat your lunch at your desk while staring into the same computer screen that you’ve been working on for hours—think again. Sure, a busy schedule sometimes means making that sacrifice, but when your schedule and weather permits, try to take your lunch outside and disconnect from your office setting. Soak up the sun, feel the breeze, and lift your gaze to the horizon instead of toward your phone or computer screen. The mood-boosting benefits of time spent recharging outside are well-documented, and a change of scenery can give you the boost you need to power through your afternoon to-do list.

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Use your lunch hour to treat your senses. As you eat or get active, try queuing up your favorite music or the latest episode of your favorite podcast. If you focus on the same tasks and stimuli for too long, your brain will fatigue and your focus will erode steadily over time. Shift gears and treat your mind to some music or stimulation outside of your daily tasks. You’ll help yourself relax, recharge, and create a natural transition point for your ensuing afternoon workflow.

Your lunch hour isn’t just about being purely functional. If you want to maintain a steady rate of productivity and leave the office satisfied by the progress of your day—use your lunch hour wisely. As important as it is to nourish your body, also consider nourishing your mind. No matter what your chosen outlet may be, don’t overlook the power of a well-spent lunch hour and the positive benefits that are sure to follow.

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GARRICK WERDMULLER “As an independent, I am leaner and meaner,” says Garrick Werdmuller, President and CEO of Fresh Home Loan Inc., “Independent Mortgage Brokers that Work for the People™,” the brokerage he opened in April of 2021. “I’ve always been a decent producer,” Garrick says. “And although I am no super alpha male closer, right now, it is game on. I know we are going to be successful because I help clients be successful, and they really appreciate what I do and the difference I make.” These sayings are not just aphorisms but part of Garrick’s operating philosophy. Before real estate, he worked as a sous chef in San Francisco.

After 9/11 wiped out his department, Garrick was laid off due to a lack of seniority, regardless of his performance. He decided to transition out of the hospitality industry that very week and began studying for his real estate exam. In 2002, Garrick began closing loans.

At Fresh Home Loan Inc., Garrick strives for speed, efficiency, and to be well-priced for the Bay Area, which can be no easy task. During the pandemic, Garrick purchased larger printers to accommodate clients wanting to drop off and sign documentation in person and he also streamlined his loan operation systems to ensure a secure and accessible digital process. He even created a signing room in his office while title companies and real estate offices remained closed. Repeat and referrals make up 90% of his business. “I didn’t realize how loyal my past clients were until the

pandemic,” he recalls. “Even though I was slammed, and I never say no, I found a huge percentage of my clients would not go anywhere else.” Clients seek him out and pass on his name because he is real, and he lays it down and tells the truth.

These days, Fresh Home Loan Inc. is actively recruiting. “My role as brokerowner is to make the process of getting a loan better, to provide opportunities that may not have been there before, and of course, to change the world and make it a better place,” Garrick says. A part of that is providing opportunities for loan processors and originators that are not satisfied with their current employers.

Going back to wholesale in 2019 changed Garrick’s life, and he wants to give that opportunity to others.

For Garrick and his brokerage, the #1 mission is to help the client. He now has the ability to choose the best options to serve the unique needs of the Bay Area homebuyer and homeowner. For the future of Fresh Home Loan Inc., Garrick has big plans and looks forward to a large, solid crew. For now, he has written an acronym across his office whiteboard, MMF, which translates into Make Money First. This is not a reminder to increase his yield or cash in. “It is all about the client, the transaction, and then the next client,” he explains. “I can get lost very easily in all the minutia of broker packages, social media campaigns, marketing, reports, and the list is endless, but helping the client comes first and is what gets us paid.”

Contact Garrick at Fresh Home Loan Inc by Direct/Text: 510.282.5456, Email: garrick@freshhomeloan.com or Visit: freshhomeloan.com www.

You can also check out Garrick’s book on Amazon,“Home Buying and a Global Pandemic.” amazon.com/gp/product/B097J1CR94/ref=dbs_a_def_rwt_bibl_vppi_i0

www.

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