NATIONWIDE MORTGAGE 5-31-21

NATIONWIDE MORTGAGE EDITION

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Mental Tricks That Will Take Your Business TO THE NEXT LEVEL FEATURED AGENTS

SONIA NANGIA THERESA SHERIDAN ALON TABAK CINDY TANSIN DANIEL RETTIG RICKY BACHTRA SUSAN GUE

IF IT'S GOOD FOR THE SOUL, IT'S GOOD FOR THE BUSINESS

How To Incorporate Current Events To Your Email Blasts AND STAY RELEVANT

5 FRESH NEW APPROACHES

TO CONTENT MARKETING

COVER STORY

DOMINIC GONZALEZ

NATIONWIDE MORTGAGE EDITION

SONIA NANGIA

THERESA SHERIDAN ALON TABAK

You might say Theresa Sheridan dollars earned. We see our income as a wh Every came oncetoin a while you meet someknew 7the mortgage industry by accident.

17Having 21 direct result of a happy transaction.”

22 one who’s figured out what a life ought be, and been a middle school teacher for seventeen to be about. Today, meet Alon Tabak. that wou years, she found herself seeking a career But Theresa is just as compassionate when “I live by the philosophy of HOPE— “Mortga that spoke to her entrepreneurial spirit developing the members of her team, supwhile still complimentingHelping her passionOther for porting them not only as professionals, but en People Everyday,” he really empowering others. “As itexplains. turns out, being also as human beings.

When she launched “I’m not just talking about part of a teacher was a perfect segue into morther branch, she started out with a staff of mortgages either. If someone needs seven, a gages,” she says with a laugh.

“After all, but in the years since, it has100 grownper hand with anything, they only need to Realtors our business relies on education and buildto thirty six. With all of them, Theresa RICKY BACHTRA CINDY TANSIN ing relationships above all else.” takes mentorship seriously, let me know.”

I’m com DOMINIC GONZALEZ SONIA NANGIA THERESA SHERIDAN ALON TABAK SUSAN GUE and through prioritizing their wellbeing, she hashands-on estabWhen he made decision become a the end of the day, it’s about mortgage Ithe also do phone calls, I always commuSince then, Theresa has to gone on toand author lished a foundation of service within hermak Susan Gue – Mortgage Banking Consultant Zillow.com, 25 26 29 30 That philosophy forms the cornerstone processo DANIEL RETTIG an accomplished eighteen year career in branch.

“I get the most joy out of growing with First National Bank of PA. in a perfect loan originator, nicate Rickyregularly Bachtraduring couldn’t that peopleManager know you care about t roviding a transaction.”

Sonia Nangia is a Producing Alon his –business with that I’m mortgages, and in that 2018, of shehow decided to conducts each of our processors and loanclosing officers.

Lutherville, Maryland is a hardworking, comprised o have known at the time he’d found don’t say goodbye at a the tab erience. for the Cardinal Financial Company, “At heart, I’m a teacher.

I love When he isn’t working hard and honest loan professional monials, in take her work to the nextAdvisors level by dedicated opening a Primary Our branch’s mantra is ‘Always be growing,’ and as a Mortgage Group. It’s a perfect theonday, you’re and getti his calling.Residential “I’mCindy actually engineer by sendfit outfor cards holidays instructing,” Daniel loans, Daniel is extremely truly places the says best interests her an excellen y, Cindy lovesanmuch about her career, including Mortgage branch with who Regional Manager startup, we of setRettig, about training our people.

Watching our nationwide lender, where she is licensed a man who understands the anxieties and training. I’ve loved numbers.

But and confuanniversaries, andinand we’ll tou many buyers Realtor partners front She provid Kylealways Bergquist.

As the Sales Manager, she office assistant become a full-time processor the span Sales Manager and National Sales gives his time mone she has the freedom itRegional provides her to beand herself to assist clients across twenty states. sion that often accompanies people’s search for a Alon is active in hi and center during every transaction.

By what would has developed a fresh and progressive approach to of three years or two new loan officers make PRMI’s top I also like being and out to there meeting people, Trainer with them there’s a chan at clients.

Republic Bank & Trust onewhenever organization especiall Officer. form real relationships with forging strong relationships of right.” the proc home. his deep knowledge oflong the market, been assisting clients throughout the Next Seattle/Puget Sound 100 in asthat much time affirms we’re doingvolunteering things intoNangia, Louisville, Kentucky.

“Teaching isthatcame the Veterans Association finding ways to Twenty help them with whatever market that will serve their interest transaction.

“When I first to this country, Iover ago,able Sonal (Sonia) moved transcend the closing table and by going tions quick Region.“I While operating the flagship Seattle office ve, how loveyears being to have a personality,” Alon’s best quality may be hismore ability tomore empathize Olympics for has really become and (VAREP).

Daniel was onemo o they need. inI thought this work might be a refinancing opportunities.” dreamed of owning a home,” she says.

“My keys to to the United States and set about achieving above and beyond for those whom she our loan partnership with Kyle, she has cultivated a holistic Elsewhere, Theresa has joined Kyle Bergquist’s effort answers, Cindy says.ambition “My communications show my with people. with the National of a passion of mine, and so now to bring VAREP to Louisvil works are just two of the reasons Susan process was her lifelong of owning a home.

After success were discipline and persistence.

Above all, good way to combine two process that those honors the things, distinct so needs of RICKY clients BACHTRA to use their branch as a platform community engageCINDY TANSIN DANIEL SUSANfor GUE heir sitpersonality.

I RETTIG also love figuring things out; heavily involved into has stellar reputation as a you trusted best experi though, must believe inworking, yourself andRicky never give earning her really Bachelors in Business at aIofficers’ NYIT, what do isshe I curve that passion still growing, and itto seeks shopping for mortgages andloved supports herforged loan ment, working closely with The Resolution End I began as an assistant and it!”

When not devote financial advocate. home loan!” up.

Now I’m so happy to make that dream come took interest in the mortgage industry, and after growthI’m in experience andperson. expertise.

Homelessness, non-profit organization thatpart confronts e loan,” a puzzle very persistent, “It’s notI’m just about the and product.

I tell aworking my clients Philadelphia, which into training developing loan “We’re a church, small of a hu with his and teach learning the business from theofficers ground up as go a theon true for of others.” crisis homelessness in the Puget Sound.

Going who to train and The group has assisted home I can Ricky find them ten mortgage guys in asfirst-time many With November.” d at that and I’mthe nota prominent satisfied with an decided immediate Susan has well over two decades infor the herfuture extensive After nearlyAt11Primary years in homebuyers. sp processor forbusiness, lender, shespent to CONTENTS Residential Mortgage, Theresa and can her help forward, she also hasmortgage strong plans for the ofHe her ban develop other people so that we as many clients well as traveling to Washing minutes offering the same products with the same mer service got me solution if there’s a better one.

If you’re someone who industry, beginning in 1996 after graduating from high understands that the hom When helping clients, Sonia and her team offer take her work to the next level and transitioned team Home offer a Lending full spectrum of lending options— business. With her branchtime having closed $239 million“Our in is now a Senior Advisor for leisure with his family. asorigination. possible.”rates legislation todaunting betternot serve t school and taking a find job ata at Rosedale Federal Savings appear to work custo and theI’m same price.

But the end of the day When he’s In sixteen years since, wide ofhalf, loans, including Conventional, including everything from Conventional Loans toshe volume in variety 2020, she intends on seizing onlove her forward has challenges, which is most people, going to JPMorgan Chase,into with a team of the two loan processors is a year and a so we really going to says, “One of the legs of VAR and Loan Assoc. as a teller.

She eventually worked her opportunity to work with Jumbo and Government backed FHA/VA hasprograms authoredlike an exceptional career in mortgages, 4) 5 and FRESH NEW 23) 3goMENTAL TRICKS THAT Reverse Leaning momentum and helping even more clients throughout you want someone who will helpFinancing you make the soccer “My leisure time isH u a specialty solution and it’swho going toRepublic beMortgages. the best one.

I’m ayou production assistant help him ensure athrough smooth maybe kicking aloans, little ball way up and the after company to become the Senior their borrowing needs,to a the education wearound.” provide Daniel came toher Bank inextensive 2018 spending many loans, 203K Rehab Condo financing, Second establishing a helps professional sphere on this flexibility, she clients uncover suitable her region. best choice and who will educate you so that you three children, so w APPROACHES WILL TAKE YOUR BUSINESS Loan Officer, VP. Now with First National Bankboring, of PA, better borrowing options theya ing tooptions take the time find theinterests, best structure for s in the mortgage loan process for TO every client.

“I believe three things are “That may sound but to me it’s the grea home and Investment property loans.

Since each network ofand satisfied clients. can serve our veteran working his way through the mortgage industry.

One thatyears speak to their best but through it you Susan can boast that the entirety of her considerable considered.

Guiding he feel good about that choice.

I’m very conscious games.

I coach them has its ownLEVEL circumstances, she takes care to per- done all, upholds an inclusive approach tolongstanding service.

These Ininloan the meantime, Theresa offers practical CONTENT MARKETING TO THE NEXT and to help you plan for the future.

Ibusiness love the ability to ficer at Movement essential theshe excellent customer service we provide: the world!” for everything they’ve of the biggest and most community banks inhowever, is based upon referrals, a sure indicator of borrowing solution for th of the magnitude and ofheraspiring the financial gameearning myself.

I’ll Today, Sonia is team aalways Producing for importance the advice sonalize workflow to eachprofessional. client, their values have earned her a tremendous reputation to any mortgage “There are als the area, it’s had aManager top-notch mortgage division, but communication, communication, and communication. think long-term for my clients.” , Arizona, Nevada, the exceptional customer service she is providing her with an exceptional borro Cardinal Financialdecision Company, a nationwide organizing her strategy around their needs. throughout Washington, with the my vast majoritylender, of making, so trust manyand ways to find in this industry. long as clients are and so I’m very they mostlysofocused on inside retail byIF taking great care of success Looking to the As future, Dan many grateful clients. is a TO fast-paced business, when we have a27) loan Moving forward with hisand business, Ricky ed Divorce Lending 14) This HOW INCORPORATE IT'S GOOD FOR where she is licensed to assist clients across twenty its volume coming frompatient repeat clients and referrals; you come from a place of hard work authenticity, youAl and meticulous in explaining the terms of Going forward, When she’s not busy helpi current bank clients.

“They really wanted to expand to the training and educating effo in process we’re updating our clients onTHE how continue improving the quality service states.

There, she has cultivated a unique process “Being transparent is key toothers. this industry, and my moreover, hertime team is closed just over $241 million inwhen will have success byGOOD serving Everyofclient needshe Giving backconstantly her a value of“I Cindy’s, professionalCURRENT growth EVENTS TO SOUL, IT'S believe it’sand because I’msays, honest,” says Susan, when dreams of home owners the loan.

I’ll go through it line-by-line, will explain doing what he’s good purchase market through referrals,” Daniel explaining and VAREP. Something he to meet the most demands of evenvery the most complicated business is all about communication,” she says.techn alone.

“The important thing is finding the somebody different.

When we grow our team members, their she application is progressing.

We’re transparent for his clients, utilizing more better is2020 notBLASTS busy helping clients, you can find her volCindy centers cusasked how she has managed toBUSINESS build such impressive more and than spending time YOUR EMAIL AND FOR THE howtheheright came to be in his current position. classes fortheir both lenders and it fifteen different if necessary, to sure for.

Advisors Mortg right loan for person,” Theresa says.ways “Our we always encourage them to include own of R and very professional.” help speed upmake loan processing andShe toissense educate levels of loyalty amongst those she works children. also an avp unteering for an more organization close to trust herand heart. er interactions with group is driven by the success of a client than the self in the equation.

That’s what matters most.

Copyright Topthe Agent Magazine to watching his team flouri they understand everything.

It’s what I’d want In long run, Iofco STAY RELEVANT with. “I’ve often told clients they could a better back in“Ia take multitude thethat things theygetneed to know. a lot ofw Recently, she has for Safe Place for Youth, To volunteered accomplish that end, Daniel wears several different hats at businesses.

“That’s where rate fromfor another institution or a better product than on the board of under Habitat th fI someone to do me.” up a branch Rickyanclearly knows what he’s doing, his practice the quality of our customer service.

I’m good a To learn more about Theresa Sheridan, email tsheridan@primeres.com, Bank. He works a National Sales where He plans to continue origin I can,as which really the client keep coming chapter and taking time t organizationRepublic that supports homeless youth, andjust thehelpsTrainer, be pretty cool. having earned him aherepeat client and back referral rate ofNashville, I’mmake constantly striving getinformation better so as toBu e to me.

I also always myself available to to buyers to educate them on primeres.com/pugetsound or call 253-202-3007 visit works with teams in Tampa Bay, Cincinnati, relevant and be California Wildlife Center.It’s A nature and animal perhaps, lover, ips and satisfaction, notvery surprising, thatalways Alon’s road here, because I get Phone | Fax them, whether that’s on the weekends or in the evening. over310-734-1440 90 percent. “My team310-734-1440 and I are passionate clients have the best experience.”

Lexington and, of course, Louisville to increase purchase Daniel plans to focus on dogs. On the weekend, she indy’s business is Cindy has three cats and two included in thethat hospitality industry. people’s lives.

Every Ia honestly believe the biggest thing that setsHe me Susan’s plans for the futu about this work. It gives us a He great sense ofstint fulfillment mag@topagentmagazine.com | www.topagentmagazine.com business. also works alongside the marketing and loan officers to become high prod Copyright Top Agent Magazine apart from my peers is the amount of time that I spend continued growth and also loves taking her dogs are on adventure hikes and gardening. tners that include operations team to give insight into the to see how happy people when they go from being with one customer.” staffMagazine to support that gro No portion of this issue may be reproduced in any manner whatsoever without priorpurchase consent ofmarket. the publisher. Top Agent nd bankers, Cindy Contact Alon at 848-226-1146 or email Atabak@adviso In his capacity as a Sales Manager, he works with his team remains renters to homeowners, and knowing that we’ve played is published by Feature Publications GA, Inc. Although precautions are taken to ensure the accuracy of published materials, Topher overarchin the future, has no slow down.

“Isupplied want ofessional relationIf evidence isfacts needed of theby excellent customer in Louisville and intoexpressed northern to help service providing the unparalleled AgentaMagazine be that heldCindy responsible for plans opinions orKentucky/Cincinnati its authors. roleFor in cannot making happen.”

Susan is providing, one has to look no further than long been synonymous w his team grow and develop into top producing loan officers. subscribeto or grow change my address, send inquiry business intotoitsmag@topagentmagazine.com. own little world,” Cindy stomer serviceTo and Published insays. the U.S. plan on Finally, still originates own loans, “Continuing to buildingDaniel afamilies, like-minded I’m a very and agents,” Cindy For low to“Imoderate-income the team. rolehis Ricky information about Susan Gue, work with other industry experts helps meFor staymore connected nurturing, happy-family typeThe person.

I wantChase people on communication is and his team play can be huge.

JPMorgan please call 410-977-7302 or email guesu@f to what realtors, our clients and loan officers need from my team whoprovides are happy, organized, and (dependefficient, and work with.”

2 Top Agent Magazine Homebuyer Grant from $2500-$5000 Republic Bank.” who customer service. ing on thestrive area) to forgive use excellent toward a down payment on That’s a C www.

mailto:mag@topagentmagazine.com

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5 Fresh New Approaches to Content Marketing A couple of weeks ago we were conducting a workshop when we were asked two excellent questions about content marketing:

• People

don’t want to hear from a roofing company every day. So how do you produce fresh and interesting content for social media that goes beyond your core services and yet ties back to your business?

• Can

you extend your social media presence and content to include personal things (like your hobbies) and how does that affect your overall business image?

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The workshop attendee who asked the first question was right. Almost no one wants to hear from any company every day… especially if all the content is about products and services…and yes, even if they’re giving helpful tips and information. Does that mean you should stop producing excellent daily content related to your business? No, of course not! Content is created for two reasons.

First, to provide knowledge, expertise and even entertainment to your ideal customers in order to achieve top of mind awareness as an authority in your industry. And second, to produce SEO-rich results that keep you at the top of search engines. You must strike a

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balance between the two, and try to include content that draws people in by being super interesting and entertaining….and yes, sometimes personal.

To help answer those content questions above, here are five different types of content (beyond the traditional stuff) that can give your brand a fresh, unique and balanced approach:

1. PHILANTHROPIC Your community efforts say a lot about who you are, and people will make an extra effort to do business with you as a result of this connection. We’ve consulted business owners who are very hesitant to promote these efforts because they don’t want it to seem as though they are exploiting the charities and organizations—and most especially because they don’t do it for the promotional aspects. They do it to give back. I ask you to keep this in mind. Nonprofit and charitable organizations very often have small marketing budgets. Not only do they rely on outside marketing forces to promote their initiatives, they would likely be forced to close their doors without that support. That means that when someone with a strong brand and presence promotes them, it’s a highly trusted and personal connection, and you can’t buy that kind of support. In other words, they not only need you to promote them, they want you to promote them. But your instincts are correct. It’s not about you. So just make sure your entire content focuses on the organization you’re helping, what they do for the community and how Top Agent Magazine

others can join in the cause. Then it becomes a huge win for all.

2. HOBBIES You bungee jumped from four of the tallest bridges in the U.S. In your spare time, you go fly fishing. You love playing chef and use only locally grown, organic foods. Your friends are always begging you to go to Vegas with your card shark talents. You’ve done mission work in Africa and would like to start your own group. You almost played professional baseball. You have an insane talent for gardening design or bass guitar.

Your family works at a soup kitchen once a month. Ok…you get the picture. And two more words. Reality TV. People are interesting…and people are interested in interesting people. We remember others based on these unique traits. And most of all, people love the story behind the face. Don’t be afraid to share your hobbies. Quite often, it’s the first thing that will personally connect you to a prospect.

3. CREATIVE CONNECTION This one is perhaps our favorite. While we can’t imagine seeing something come across our news feed from a landscaping company every day, imagine this for a moment. What are we always told to remember in this hectic world? Stop and smell the roses, right? So what if…a landscaping company posted a beautiful flower each day, just to remind you to ‘stop and smell the roses’. And at the bottom of that photo (small print), you included

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the type of flower and type of environment needed to make it flourish (moist soil, full sun, etc.). And then, of course, watermarked it with your logo….and a title like, “Sam’s Daily Reminder: It’s Time to Stop & Smell the Roses”. You could even include some great, thought-provoking quotes. It has the personal connection (Sam), the business connection (flowers & logo watermark) and a cool creative connector (pause the meetings and paperwork to take a moment and appreciate life by noticing this beautiful flower). This is a great idea for staying ‘top of mind’ and connecting business with the kind of creative messaging people wouldn’t mind seeing every day.

4. EXPERIENCES This one is similar to hobbies from the personal aspect, but instead of something that identifies us like our hobbies, our experiences are random happenings that can have great interest and meaning to our audience.

Whether you have a unique experience buying a new car or a fateful conversation with a stranger in the airport, if you feel it ties into a life lesson or business lesson you’d like to share, by all means do. The lesson is to keep your radar up 24/7. Any experiences you have which relate to your

ideal customer are an opportunity to connect beyond the business world. And when we do that, we become a part of the family.

5. INFLUENCERS “Show me your friends and I’ll show you your future”. You’ve probably heard that saying, and the same is true whether you are a teenager or a business owner. Maybe you’ve learned a lot of your business knowledge from Bill Gates, Steve Jobs or Warren Buffet…or you like to quote Benjamin Franklin. Perhaps you have some mentors you’d like to recognize and tell why they’re important to you. Sharing the people and things that influence us is what makes us human. No matter how successful your business, you didn’t get there alone. People and circumstances shaped you along the way. Recognizing others for their contribution in our lives, large or small, is important in staying connected and grounded.

We hope these five types of content help you to put a fresh spin on what you share with your audience, whether personal or professional. We believe you must have the combination of both to build an incredible brand.

Tonya Eberhart is the Branding Agent to Business Stars and founder of BrandFace®, LLC. Michael Carr is America’s Top Selling Real Estate Auctioneer & BrandFace® partner. Together, they focus on personal branding and marketing designed to help real estate professionals become the face of their business & a star in their market. BrandFace® for Real Estate Professionals is a book, professional speaking series and an exclusive workshop for agents, and is currently active in 18 U.S. states, Canada and New Zealand. For more information, visit www.BrandFaceRealEstate.com.

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DOMINIC GONZALEZ Top Agent Magazine

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Dominic Gonzalez – Vice President and Mortgage Advisor at direct lender Statewide Funding in Ontario, California – is a hardworking, dedicated loan professional who consistently places the needs of his many grateful clients front and center during each and every transaction.

Dominic Gonzalez – Vice President and Mortgage Advisor at direct lender Statewide Funding in Ontario, California – is a hardworking, dedicated loan professional who consistently places the needs of his many grateful clients front and center during each and every transaction. Having built his business on a solid foundation of honesty, integrity and a strong work ethic, Dominic has earned his uniformly five-star reviews and reputation as a trusted mortgage advisor.

Dominic, who has more than two decades of experience in the mortgage industry and began his career working for big five banks Bank of America and 8Copyright Top Agent Magazine

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Wells Fargo, among others, is incredibly proud of his association with Statewide Funding.

“We have a wide array of loan products to suit any need, and we do pretty much everything in-house,” he says. “We have in-house underwriting, and we have our own processors. We have some of the fastest turnaround times in the industry.” Dominic also strives to maintain contact with his borrowers, both during and after the transaction.

Currently, the entirety of Dominic’s substantial business is based upon referrals, and he prides himself on never having had to buy a lead.

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These referrals are provided primarily by satisfied Realtor partners and satisfied past clients.

“I believe it has a lot to do with my competitive and sportsman-like mentality,” says Dominic, who hails from a martial arts background, when asked how he has managed to achieve such impressive levels of trust and loyalty amongst those he works with. “It’s also about my core values of being honest and transparent and taking ownership and action, and not hiding behind pointed fingers.”

Another primary factor that has played a large contributing role in Dominic’s success story is Copyright Top Agent Magazine9

“I like the fact that I’m able to deliver the American Dream to people,” enthuses Dominic. “A big segment of my business is first time home buyers. I love being part of that transition in their lives, going from renters to homeowners.” his commitment to being a straight shooter with both his buyers and his Realtor partners. “I’m definitely not going to paint a pretty picture only to disappoint them,” he explains. “I’ve probably lost clients because of that honesty, because they don’t like what they’re hearing.

I’ve had clients use another lender because of Copyright Top Agent Magazine 10

that, and most times they end up disappointed because it’s cost them more money or the process was much more painful than it had to be.”

Dominic truly loves what he does for a living as well. “I like the fact that I’m able to deliver the American Dream to people,” enthuses Dominic.

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“A big segment of my business is first time home buyers. I love being part of that transition in their lives, going from renters to homeowners.” Dominic also works closely with those who do not initially qualify for a loan to get them to a place where they can. “I give them a Top Agent Magazine

game plan, and follow up on it with them, helping them keep their eyes on the prize.”

Dominic also gives back to his community in a variety of ways, particularly through charitable events.

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Looking to the future, Dominic’s plan is to continue growing his already-exceptional business, and to mentor newly licensed loan officers to help them achieve their own success in the industry.

Above all, however, remains his primary, unwavering objective: to provide his many buyers and Realtor partners with the top-of-the-line customer service that has long been his calling card.

For more information about Dominic Gonzalez, please call 626-316-2394 or email DGonzalez@swbcorp.com

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How to Incorporate Current Events to Your Email Blasts and Stay Relevant Email marketing is a cost effective and straightforward method of getting your name and services in front of clients with just a few keystrokes. This tried-and-true approach to digital marketing is a favorite of many, and there are countless ways to customize (and maximize) your email blasts to reap superior results. Despite this, many real estate profes14

sionals are content to standardize their email advertising and take a broad, one-size-fits-all approach to capturing interest and leads. While an up-front sales pitch certainly has its uses and benefits, it doesn’t hurt to shake up your routine and refresh your email marketing approach by adding specifics that draw renewed interest from your audience.

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One way to accomplish this is by tying in current events and local happenings to your email blasts. After all, your sphere of influence likely receives countless marketing emails per day. To cut through the noise, sharpen your message with a few specifics that separate your communications from the pack. Not every email should be focused on closing a sale, or else your audience will learn to stop listening.

How do you build your brand, stay top of mind, and keep the lines of communication open with your clientele? Here are a few ideas to get you started.

against an old rival? Do they host themed fan days honoring veterans or catering to families? Tailoring your communications to a local sports franchise’s big news or next event can draw intrigue and provide added value for your clients. Remember, not every communication you send should be focused on pitching and closing a sale, otherwise your audience will tune out your emails altogether. Instead, incorporate fun, community-oriented content that lets readers know you’re a resource for much more than real estate.

Sports news makes a splash

Become a one-stop-shop for holiday fun and seasonal ideas.

People love to rally behind the home team.

Is a regional, local university, or professional sports team in your area headed to the playoffs or the championship? Are they facing off

From Mother’s Day to Thanksgiving, anyone can send an email wishing clients a happy holiday. While the sentiment is a good one, you’ll be one of dozens flooding inboxes with

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your well-wishes. Instead, go beyond the traditional greetings and good tidings and become a hyper-specific resource for clients. Create a gift guide for Mother’s Day, outline family-friendly local events occurring in your area around the holidays, or engage in a promotional partnership with a local business who’s offering a holiday special of their own. In other words, don’t settle for just saying hello during certain times of the year. Instead, up the value of your email blast by offering clients curated information that relates to their interests and area.

Doing so makes your emails a must-read, while demonstrating your ability to go the extra mile.

Pop culture serves as a fun and timely tie-in.

Is a new gaming app sweeping the nation? Have your social media feeds been flooded with the same viral video? Is everyone gossiping about the same TV show premiere? Pop culture tie-ins in your email marketing campaigns can be extremely effective, but in order to for

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them to work, you’ll need to move quickly and keep your focus on the phenomenon, rather than your service pitch. The goal behind pop culture marketing tie-ins is communicating the progressiveness and hip factor of your brand, while capturing timely, topical interest that’s at a fever pitch. Everyone wants to be in on a running joke or trend, and if you leverage trending pop culture moments in your email marketing, you’ll be able to draw views and clicks from a wide audience.

Plenty of services offer standardized email marketing templates and content for today’s real estate professionals, and while the motivation behind marketing is transactional, your communications don’t have to be. The surest way to make an impact in your clients’ inboxes is to add original value and break apart from the pack. Consider updating some of your routines with these current events oriented techniques and your email audience is sure to take a second look.

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SONIA NANGIA Top Agent Magazine

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SONIA NANGIA

Sonia Nangia is a Producing Manager for the Cardinal Financial Company, a nationwide lender, where she is licensed to assist clients across twenty states.

Twenty years ago, Sonal (Sonia) Nangia, moved to the United States and set about achieving her lifelong ambition of owning a home. After earning her Bachelors in Business at NYIT, she took interest in the mortgage industry, and after learning the business from the ground up as a processor for a prominent lender, she decided to take her work to the next level and transitioned into origination. In the sixteen years since, she has authored an exceptional career in mortgages, establishing a professional sphere and extensive network of satisfied clients.

Today, Sonia is a Producing Manager for the Cardinal Financial Company, a nationwide lender, where she is licensed to assist clients across twenty states. There, she has cultivated a unique process to meet the demands of even the most complicated 18

transaction. “When I first came to this country, I dreamed of owning a home,” she says. “My keys to success were discipline and persistence. Above all, though, you must believe in yourself and never give up. Now I’m so happy to make that dream come true for others.”

When helping clients, Sonia and her team offer a wide variety of loans, including Conventional, Jumbo Financing and Government backed FHA/VA loans, 203K Rehab loans, Condo financing, Second home and Investment property loans. Since each loan has its own circumstances, she takes care to personalize her workflow to each client, earning their trust and organizing her strategy around their needs.

“Being transparent is key to this industry, and my business is all about communication,” she says.

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“As such, I believe in doing things the right way. I make it a point to answer my phone for questions regardless of the day or time. I have the experience and knowledge to handle all aspects of the home lending process, and I take pride in the superior customer service I have built with both my borrowers and Realtors.”

Over the years, this compassionate outlook has earned Sonia a fantastic reputation, as evidenced by her outstanding rate of repeat clients and referrals. But through it all, she still focuses on the values that have won her so much success in the first place. “I love nothing more than putting smiles on my clients’ faces,” she says. “It especially gives me joy to make a complicated deal work for them. After all, home ownership isn’t just an accomplishment or a milestone; it’s an investment. You’re building wealth alongside having a roof over your head and a place to call home.”

For this reason, Sonia is available for her clients whenever needed, and she remains a tireless advocate on their behalf for years to come. But she is just as committed to her referral partners.

“As a loan originator, my goal is to show realtors that all of us are not the same. For agents, it’s important to have a loan officer or lender who understands mortgage guidelines, has been through thousands of loan applications, and can work through complex scenarios to keep your loan approved.”

Outside her career, Sonia can be found spending quality time with her husband and family, traveling, or cooking. Looking ahead, she has a strong vision for the future of her business.

As her volume continues its rapid growth, she will be adding new members to her team while also opening an office in Houston. “No matter who you are, owning a home is a major achievement,” she says. “So whether you’ve got a challenging loan or an easy loan, reach out to me—I’m here to help.”

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For more about Sonia Nangia email sonia.nangia@cardinalfinancial.com, visit cardinalfinancial.com, on Instagram @Sonianangia_lender or call 516‑474‑3746 www.

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THERESA SHERIDAN You might say Theresa Sheridan came to the mortgage industry by accident. Having been a middle school teacher for seventeen years, she found herself seeking a career that spoke to her entrepreneurial spirit while still complimenting her passion for empowering others. “As it turns out, being a teacher was a perfect segue into mortgages,” she says with a laugh. “After all, our business relies on education and building relationships above all else.”

Since then, Theresa has gone on to author an accomplished eighteen year career in mortgages, and in 2018, she decided to take her work to the next level by opening a Primary Residential Mortgage branch with Regional Manager Kyle Bergquist. As the Regional Sales Manager, she has developed a fresh and progressive approach to assisting clients throughout the Seattle/Puget Sound Region. While operating the flagship Seattle office in partnership with Kyle, she has cultivated a holistic process that honors the distinct needs of clients shopping for mortgages and supports her loan officers’ growth in experience and expertise.

At Primary Residential Mortgage, Theresa and her team offer a full spectrum of lending options— including everything from Conventional Loans to specialty programs like Reverse Mortgages. Leaning on this flexibility, she helps her clients uncover suitable options that speak to their best interests, but through it all, she upholds an inclusive approach to service. These values have earned her team a tremendous reputation throughout Washington, with the vast majority of its volume coming from repeat clients and referrals; moreover, her team closed just over $241 million in 2020 alone. “The most important thing is finding the right loan for the right person,” Theresa says. “Our group is driven more by the success of a client than the

dollars earned. We see our income as a direct result of a happy transaction.”

But Theresa is just as compassionate when developing the members of her team, supporting them not only as professionals, but also as human beings. When she launched her branch, she started out with a staff of seven, but in the years since, it has grown to thirty six. With all of them, Theresa takes mentorship seriously, and through prioritizing their wellbeing, she has established a foundation of service within her branch. “I get the most joy out of growing each of our processors and loan officers.

Our branch’s mantra is ‘Always be growing,’ and as a startup, we set about training our people. Watching our office assistant become a full-time processor in the span of three years or two new loan officers make PRMI’s top 100 in as much time affirms that we’re doing things right.”

Elsewhere, Theresa has joined Kyle Bergquist’s effort to use their branch as a platform for community engagement, working closely with The Resolution to End Homelessness, a non-profit organization that confronts the crisis of homelessness in the Puget Sound. Going forward, she also has strong plans for the future of her business. With her branch having closed $239 million in volume in 2020, she intends on seizing on her forward momentum and helping even more clients throughout her region.

In the meantime, however, Theresa offers practical advice to any aspiring mortgage professional. “There are so many ways to find success in this industry. As long as you come from a place of hard work and authenticity, you will have success by serving others. Every client needs somebody different. When we grow our team members, we always encourage them to include their own sense of self in the equation. That’s what matters most.

To learn more about Theresa Sheridan, email tsheridan@primeres.com, visit primeres.com/pugetsound or call 253-202-3007 www.

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ALON TABAK Every once in a while you meet someone who’s figured out what a life ought to be about. Today, meet Alon Tabak.

“I live by the philosophy of HOPE— Helping Other People Everyday,” he explains. “I’m not just talking about mortgages either. If someone needs a hand with anything, they only need to let me know.”

That philosophy forms the cornerstone of how Alon conducts his business with Advisors Mortgage Group. It’s a perfect fit for a man who understands the anxieties and confusion that often accompanies people’s search for a home. Next to his deep knowledge of the market, Alon’s best quality may be his ability to empathize with people.

“It’s not just about the product. I tell my clients I can find them ten mortgage guys in as many minutes offering the same products with the same rates and the same price. But at the end of the day you want someone who will help you make the best choice and who will educate you so that you feel good about that choice. I’m very conscious of the magnitude and importance of the financial decision my clients are making, and so I’m very patient and meticulous in explaining the terms of the loan. I’ll go through it line-by-line, will explain it fifteen different ways if necessary, to make sure they understand everything. It’s what I’d want someone to do for me.”

It’s not surprising, perhaps, that Alon’s road included a stint in the hospitality industry. He

knew what kind of person he wanted to be, and took the time to find the work that would best support that growth.

“Mortgage lending is something I really enjoy. Networking is the easy part of the gig, and my business is 100 percent self-sourced. CPA’s and Realtors and clients refer me because I’m completely transparent and very hands-on. I have an assistant and a loan processor and a couple of loan officers that I’m mentoring, but at the end of the day, you’re getting me.”

Alon is active in his community as well, and has been volunteering for the New Jersey Special Olympics for over 30 years. “I’m also involved with the National Brain Tumor Society. We’re heavily involved in fundraising with the walk in Philadelphia, which usually occurs in October or November.”

When he’s not working, Alon is all about family.

“My leisure time is utter chaos,” he laughs. “I’ve got three children, so we’re always traveling to soccer games. I coach them in it, and enjoy playing the game myself. I’ll also play some golf sometimes.”

Going forward, Alon simply plans to continue doing what he’s good at. “I love the company I work for. Advisors Mortgage has been very supportive.

In the long run, I could maybe see myself opening up a branch under their banner. I think that would be pretty cool. But I’m also very happy right here, because I get to contribute so much to other people’s lives. Every day is a beautiful day!”

Contact Alon at 848-226-1146 or email Atabak@advisorsmortgage.com

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3 Mental Tricks That Will Take Your Business to the Next Level It’s no secret that running a successful business requires careful planning and a tireless work ethic. Beyond those obvious ideals, it also takes the right mindset in order to capitalize on professional opportunity. In the world of real estate and mortgage lending, mental fortitude is a major component to reaching the next Top Agent Magazine

level and achieving longevity in a sector that requires so much self-discipline. With that in mind, we’ve compiled a few key mental tricks you can employ to reinvigorate your working philosophy. Incorporate these techniques into your daily mindfulness routine and your business will surely benefit.

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1

Visualization helps you work efficiently and keep your cool.

This may sound like one of the oldest tricks in the book, but there’s a reason why Olympic athletes and those serving in first-responder positions use visualization as a time-honored mental technique. Not only does visualizing your daily tasks help you organize your mind, but it amps up your ability to focus on what’s important. Visualization also helps reduce stress in the moment, since you’ve already created a mental expectation of the task ahead. Whether you’re preparing for a negotiation or a pitch to new a client—visualization primes your brain and affords you an extra sense of control as you tackle your day.

2

Distill concepts into their simplest terms for ultimate understanding.

As an agent or loan officer, you’re likely juggling numerous clients and commitments on any given day. That’s why it helps to distill your responsibilities in clear, definitive terms. Let’s say you have a meeting set with a client to outline a marketing approach for their property. You may understand the broad strokes, but beforehand, try verbalizing the exact takeaways you’d like to impart to your client.

This may seem obvious, but one of the best ways to clarify your communication and ensure your com-

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plete understanding of a subject is to explain it aloud in its simplest terms. This crystallizes your main point and can come in handy if you drift off-topic or need to double-down on your message.

3

Accept that mistakes will be made.

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

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

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

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CINDY TANSIN Cindy Tansin has built a thriving mortgage loan business on the ethos of providing every client with an excellent experience.

With years in the banking industry, Cindy possesses a versatile skill set that she has transferred to her career as a Loan Officer.

“I learned very fast how to be creative, how to solve problems, how to find answers, and how to guide people to turn their situation around to get an approvable loan,” Cindy says. “I worked super hard at that craft. My work ethic and my customer service got me to where I am today.”

Now with over twenty-five years in the mortgage industry, Cindy is a Loan Officer at Movement Mortgage. Licensed in California, Arizona, Nevada, and Washington, Cindy is a Certified Divorce Lending Specialist. Committed to her own professional growth and the well-being of her clients, Cindy centers customer service and the quality of her interactions with every client.

Given her focus on client relationships and satisfaction, it is no wonder that all of Cindy’s business is referral-based. With referral partners that include Realtors®, financial advisors, and bankers, Cindy knows how to maintain strong professional relationships. “I provide really great customer service and a positive experience for clients and agents,” Cindy says. “Consistent, non-intrusive communication is key. I take good care of everyone I work with.”

To keep in touch with her large network, Cindy focuses on timely and helpful communication. “I send appropriate, informative updates regularly,” Cindy says. “I make sure it is industry news that is important to them.

I also do phone calls, and I always communicate regularly during a transaction.”

Cindy loves much about her career, including the freedom it provides her to be herself and to form real relationships with clients.

“I love being able to have a personality,” Cindy says. “My communications show my personality. I also love figuring things out; I’m a puzzle person. I’m very persistent, and I’m not satisfied with an immediate solution if there’s a better one. If you’re someone who has challenges, which is most people, I’m going to find you a solution and it’s going to be the best one. I’m going to take the time and find the best structure for you and help you plan for the future. I love the ability to think long-term for my clients.”

Giving back her time is a value of Cindy’s, and when she is not busy helping clients, you can find her volunteering for an organization close to her heart.

Recently, she has volunteered for Safe Place for Youth, an organization that supports homeless youth, and the California Wildlife Center. A nature and animal lover, Cindy has three cats and two dogs. On the weekend, she loves taking her dogs on adventure hikes and gardening.

For the future, Cindy has no plans to slow down. “I want to grow my business into its own little world,” Cindy says. “I plan on building a like-minded team. I’m a very nurturing, happy-family type person. I want people on my team who are happy, organized, and efficient, and who strive to give excellent customer service. That’s how I plan to grow.” Cindy also plans to continue to be a fierce advocate for her clients. “I don’t take no for an answer,” Cindy says. “I am always there to lend a hand, for my clients or for the community.” helpin

For more information about Cindy Tansin, please call (818)-429-7521 or email at cindy.tansin@movement.com Top Agent Magazine

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DANIEL RETTIG “At heart, I’m a teacher. I love instructing,” says Daniel Rettig, Sales Manager and National Sales Trainer at Republic Bank & Trust in Louisville, Kentucky. “Teaching has really become more and more of a passion of mine, and so now what I do is I curve that passion into training and developing loan officers who go on to train and develop other people so that we can help as many clients as possible.”

Daniel came to Republic Bank in 2018 after spending many years working his way through the mortgage industry. One of the biggest and most longstanding community banks in the area, it’s always had a top-notch mortgage division, but they mostly focused on inside retail by taking great care of current bank clients. “They really wanted to expand to the purchase market through referrals,” Daniel says, explaining how he came to be in his current position.

To accomplish that end, Daniel wears several different hats at Republic Bank. He works as a National Sales Trainer, where he works with teams in Tampa Bay, Nashville, Cincinnati, Lexington and, of course, Louisville to increase purchase business. He also works alongside the marketing and loan operations team to give insight into the purchase market.

In his capacity as a Sales Manager, he works with his team in Louisville and in northern Kentucky/Cincinnati to help his team grow and develop into top producing loan officers.

Finally, Daniel still originates his own loans, “Continuing to work with other industry experts helps me stay connected to what realtors, our clients and loan officers need from Republic Bank.”

Something that Daniel and his team pride themselves on is their use of technology to better serve their clients. “We often talk about People + Technology,” he says. “Customer service is so important to us, so when you add technology into that as well, it’s a very smooth and seamless process for applying and going through the mortgage process—which can sometimes be a little hairy!”

From using larger systems such as Blend or SalesForce, Daniel and his team are ready and willing to learn any system that will streamline their high-quality service.

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When he isn’t working hard training his team or originating loans, Daniel is extremely active in his community. He gives his time and money to various non-profits, but one organization especially near and dear to his heart is the Veterans Association of Real Estate Professionals (VAREP). Daniel was one of the founding board members to bring VAREP to Louisville in 2018. The organization is still growing, and it seeks to assist the veteran community.

“We’re a small part of a huge organization,” Daniel says.

The group has assisted homeless veterans in the local area as well as traveling to Washington, D.C. to help push through legislation to better serve the military community. Daniel says, “One of the legs of VAREP that I’m passionate about is the education we provide to real estate professionals so they can better serve our veteran and active duty service members for everything they’ve done for this great country.”

Looking to the future, Daniel is excited to continue his training and educating efforts both within Republic Bank and VAREP. Something he particularly enjoys is hosting classes for both lenders and REALTORS®. He looks forward to watching his team flourish and grow within their own businesses. “That’s where I find my fulfillment,” he says.

He plans to continue originating in order to stay ahead of relevant information and best take care of his clients, but Daniel plans to focus on developing and training loan officers to become high producing loan officers.

Daniel, center, pictured with his team

For more about Daniel Rettig, call 502-588-1516 www.realtor.ca/agent/1671979/stacey-campbell-15-scurfield-boulevard-winnipeg-manitoba-r3y1g3 or email DRettig@republicbank.com Copyright Top Top Agent Agent Magazine Magazine

If it’s good for the soul,

IT’S GOOD FOR THE BUSINESS

Visibility, name recognition and knowing you’re supporting the community that makes your success possible are good reasons to take part in community service. But how is it that some people seem to be able to give time to charities while running their own businesses, managing their own families and households, exercising regularly, attending sporting events and concerts, eating well and sleeping seven or eight hours a night?

The truth is, not all agents are able to do everything so easily. But more important is the fact that no one needs to do everything all of the time. The trick is to make sure that, whatever you do holds meaning.

REALTORS® and mortgage professionals who seem the most gregarious in their community outreach are those whose giving seems to fill their own souls. When their Top Agent Magazine

volunteer efforts or donations directly impact causes they or their clients care deeply about, “giving back” becomes energizing.

Jason O’Quinn of Prime Lending in Dallas Texas, for instance, says that his family’s ongoing work building homes for some of the poorest families in Honduras fills him immeasurably. “It rejuvenates me,” he says.

“There’s quite a dichotomy between the houses we build there and the houses we finance here,” he says. “It refocuses me, going from financing $1 million homes in Dallas to physically laying cinderblock for $10,000 homes in Honduras. Everything has more meaning when we sacrificially give of our time, talent and treasure.”

The longtime “big picture” for Colorado REALTOR® and property manager, Linda

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Todd, for instance, has included giving back to the community, whether serving as a lead carpenter for Habitat for Humanity, making deliveries for Meals on Wheels, or pitching in for the sake of baseball. And through her lifelong passion for baseball, she harmoniously blended her personal interests, her work and her community service. For many years, she was so involved Little League the local league named a new field after her. “I cried for 3 days after they told me that!” She and her husband also started a scholarship fund for junior college baseball players and serve as a host family for the rookie league of the Colorado Rockies, putting up newly drafted players in their home.

For Florida REALTOR® and property manager, Mario Gonzalez, neither his business nor his primary community outreach would exist without the other. A retired U.S. Navy pilot, Mario formed his brokerage, Navy to Navy Homes, when he saw a need for military personnel to find affordable homes to purchase. “We got into it to help, but that led to a full-blown real estate business.” Besides providing opportunities for investment and homeownership, the company donates 35% of every commission to Homes for Heroes, veterans’ groups, or organizations benefiting fire, police, medical organizations, churches and homeless shelters. “We’re small, but we give so much back that we were the top Homes for Heroes company in Florida and

top-five nationwide.” But he does none of this for the attention. His friends may call him the “Humble Hero of Heroes,” but helping is Mario’s passion. “To be such a small business and be the top Homes for Heroes affiliate is mind boggling!”

Like Mario, for many, the best service takes place in simple and quiet ways. Illinois REALTOR®, Susie Scheuber, for example, takes a humble approach to giving back. Although she donates a portion of every commission check to the Children’s Miracle Network, she doesn’t discuss this with clients unless they happen to ask. “I do it because I want to and because, to me, giving back is the right thing to do when you’ve been fortunate in business and life,” says Susie.

We all know how inertia works; the more energized we get by certain behaviors, the more likely we are to continue those behaviors. For some top agents, community outreach has become such a natural routine of their daily lives that they never find it burdensome. A good way to add community service into your life, therefore, is through the causes that mean the most to you. For starters, consider giving a small donation after closing to the charity of your client’s choosing. Learning the different causes that they care about just might foster a new mission for you.

If you have a unique story to share about how your community outreach has impacted your life and your business or inspired others, click here for consideration in our magazines: www.topagentmagazine.com/nominate-a-real-estate-agent-to-be-featured 28

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RICKY BACHTRA When he made the decision to become a loan originator, Ricky Bachtra couldn’t have known at the time that he’d found his calling. “I’m actually an engineer by training. I’ve always loved numbers. But I also like being out there meeting people, finding ways to help them with whatever they need. I thought this work might be a good way to combine those two things, so I began as an assistant and really loved it!”

After nearly 11 years in the business, Ricky is now a Senior Home Lending Advisor for JPMorgan Chase, with a team of two loan processors and a production assistant who help him ensure a smooth loan process for every client. “I believe three things are essential to the excellent customer service we provide: communication, communication, and communication.

This is a fast-paced business, so when we have a loan in process we’re constantly updating our clients on how their application is progressing. We’re very transparent and very professional.”

Ricky clearly knows what he’s doing, his practice having earned him a repeat client and referral rate of over 90 percent. “My team and I are very passionate about this work. It gives us a great sense of fulfillment to see how happy people are when they go from being renters to homeowners, and knowing that we’ve played a role in making that happen.”

the end of the day, it’s about making sure that people know you care about them. We don’t say goodbye at the closing table. We’ll send out cards on holidays and birthdays and anniversaries, and we’ll touch base with them whenever there’s a change in the market that will serve their interests, such as refinancing opportunities.”

When not working, Ricky devotes time to working with his church, and teaches classes for first-time homebuyers. He spends his leisure time with his family. “Our daughter is a year and a half, so we really love going to the park, maybe kicking a little soccer ball around.” He laughs.

“That may sound boring, but to me it’s the greatest thing in the world!”

Moving forward with his business, Ricky plans to continue improving the quality of service he provides for his clients, utilizing more and better technology to help speed up loan processing and to educate people on the things they need to know. “I take a lot of pride in the quality of our customer service. I’m good at this and I’m constantly striving to get better so as to ensure my clients always have the best experience.”

For low to moderate-income families, the role Ricky and his team play can be huge. The JPMorgan Chase Homebuyer Grant provides from $2500-$5000 (depending on the area) for use toward a down payment on a home, enabling the dreams of many who would not otherwise be able to qualify for a loan. Families also receive another $500 dollars after completing a homebuyer’s education program provided through HUD. Ricky works hard to maintain great relationships with his past clients, Realtors, and his local community. “At

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Contact Ricky at 847-532-1818 or email Ricky.bachtra@chase.com

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SUSAN GUE Susan Gue – Mortgage Banking Consultant with First National Bank of PA. in Lutherville, Maryland – is a hardworking, dedicated and honest loan professional who truly places the best interests of her many buyers and Realtor partners front and center during every transaction. By forging strong relationships that long transcend the closing table and by going above and beyond for those whom she works are just two of the reasons Susan has forged a stellar reputation as a trusted financial advocate.

Susan has spent well over two decades in the mortgage industry, beginning in 1996 after graduating from high school and taking a job at Rosedale Federal Savings and Loan Assoc. as a teller. She eventually worked her way up through the company to become the Senior Loan Officer, VP. Now with First National Bank of PA, Susan can boast that the entirety of her considerable business is based upon referrals, a sure indicator of the exceptional customer service she is providing her many grateful clients.

“I believe it’s because I’m honest,” says Susan, when asked how she has managed to build such impressive levels of trust and loyalty amongst those she works with. “I’ve often told clients that they could get a better rate from another institution or a better product than I can, which really just helps the client keep coming back to me. I also always make myself available to them, whether that’s on the weekends or in the evening.

I honestly believe that the biggest thing that sets me apart from my peers is the amount of time that I spend with one customer.”

If evidence is needed of the excellent customer service Susan is providing, one has to look no further than

Zillow.com, on which site she holds a perfect five-star overall rating comprised of scores of glowing testimonials, including this one: “Sue is an excellent source of knowledge!

She provided clear instruction on what would be needed at each step of the process and answered questions quickly. Her attentiveness as our loan moved through the approval process was very helpful. This was the best experience I’ve had securing a home loan!”

With her extensive banking background, Susan understands that the home borrowing process may appear daunting to customers. She welcomes the opportunity to work with her clients, to understand their borrowing needs, and to present them with borrowing options they may not have otherwise considered. Guiding her customers to the best borrowing solution for them, Susan provides them with an exceptional borrowing experience.

When she’s not busy helping her clients achieve their dreams of home ownership, Susan enjoys nothing more than spending time with her husband and three children. She is also an avid philanthropist who gives back in a multitude of ways, including her sitting on the board of Habitat for Humanity’s Chesapeake chapter and taking time to counsel first time home buyers to educate them on the buying process.

Susan’s plans for the future of her business include continued growth and also possibly adding additional staff to support that growth. Above all, however, remains her overarching objective: to continue providing the unparalleled customer service that has long been synonymous with her name.

For more information about Susan Gue, please call 410-977-7302 or email guesu@fnb-corp.com 30

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Laughs!

Graham Harrop Graham Harrop Cartoons Cartoons

Putting the power of humour to work for you!

Putting the power of humour to work for you! grahamharrop.com

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