NATIONWIDE MORTGAGE 6-17-19

NATIONWIDE MORTGAGE EDITION

5 Reasons Why

YOU NEED A MENTOR

HOW TO GET THE BIGGEST RECHARGE OUT OF YOUR LUNCH HOUR

COVER STORY

ANTHONY MUSCARELLA

How to Cut Down on DIGITAL DISTRACTIONS and Up Your Productivity

TOP MORTGAGE LENDERS

MOZELLE BRICK BILLY MAYS DOMENIC NOIA MICHAEL MALYSZKO NICK WALTER

NATIONWIDE MORTGAGE EDITION

BILLY MAYS

For Billy Mays, working in the mortgage to operations from the init 7 15 16 through the funding of the lo industry is a dream come true. Although his love for his work is obvious to all who meet saying ‘early, often and respon him, it wasn’t always that way. Sixteen years to take care of our clients as Atlanta-based Loan Officer home,” she says. ago, he was working in the automobile indusble, as often as possible and in Mozelle Brick – of Movement thatled it migh try, and decided to take an interview with manner.”them This has to a Mortgage – is a dedicated proto rate work them a local mortgage company. When he was satisfaction andwith an averag fessional who truly cares about thedays. loans I’msucce clo offered the job, he declined it, but decided of just 14 “Our to take a meeting with the regional manager. the dedication of an efficien her clients and is fully invested had some problem After learning about all of the opportunities commitment to now our culture init achieving a positive outwe’re at the could offer, Billy took the risk, and jumped in, Synergy and Service.” come for them.

Mozelle’s deep ANTHONY MUSCARELLA MOZELLE BRICK going through ‘sales camp’ and learning the ins andBILLY outs MAYS DOMENIC NOIA ANTHONY MUSCARELLA well of industry knowledge, Mozelle’s of the business. He hasn’t looked back. “I was promoted When it comes to staying in touch excell with th omenic Noia – VP of Mortgage asked to account for the incredible coupled with her solid work paid within 9 months, and after a year I was opening up a Coun- agents, they implemented anadvertising app that offe 19 20he later 23 every step of the way. “They hav ending with Neighborhood Loans amountinofAustin, trust andand loyalty inspires. tryWide branch a year I was opening parencysense ethic, and profound of of her Realtor pa n Lombard, Illinois – is rapidly “The mortgage process can be grueling up a branch empathy in Austin for Country Wide,” heresulted explains.in her getting text updates, and ourregularly CRM will fo c for her buyers has impeccable holds pproaching two decades helping his for them, so we work hard to simplify Malyszko, Mortgage We’ve helped quite Nick Walter, a c Throughout many promotions and leading Michael multiple branch out emails toFor agents and the borrower, reputation a trusted financial advisor who always “I hold a class many grateful clients achieve their it and give them aas silky smooth transOfficer owner of live abroad and for ma the openings for various different companies, Loan he flourished as - and on everything as itmortgage happens.”

Inindustry addition oal of home ownership. With a action from start to finish.

I can truly puts her clients’ best interests front and center during month teaching a KeyToday City he Lending, Inc.their – isprocessors a We’re very know a regionalstand manager, and stuck to it ever since. is emails, alsotoupdate the clie best way utilize a eadfast focus on providing excepbehind the service we offer.” every transaction. their business.

T the Regional Sales Manager for Service First Mortgage in sure everyone is overly communicated to, truly dedicated professional Michael also onal customer service, Domenic skills.offer.”

“I started inallt Fort Worth, He facilitates 7 different branches clear onhimself where we are in thecome process athis with from has and committed community, and uly cares about both the success of TheTexas. appreciation his clients feelwho for whenand I was 19, and wo focuses onDomenic recruiting andapproaching training loan officers.

Rapidly two decades in the mortgage is buyers and his Realtor partners in and Neighborhood Loans and his company to providing Spanish.

Communication remains paramount, itin al way upAnother from afactor part-tim he Chicago area, and has more than is made abundantly clear in each the industry, Mozelle began working the field directly and in every one of his As a direct lender, they offer everything from standard to remain diligent on where we are in th arned his reputation as a top-notch many glowing testimonials have DOMENIC NOIA MICHAEL MALYSZKO NICK WALTER to branch manager, buyers Realtor partners Another significan out of college.

Priorthey to joining and Movement Mortgage, ness to work longt loans to niche products.

Their business is 100% based on Client has the option of receiving text up mortgage industry professional. received for their services, including with very including best success mortgages,” he explai sheBilly worked for several majortheservice banks, to hertobuyers and referrals, which credits to above-and-betheir impeccable CRMcustomer will Wells send out Michael’s emails agents and this one that perfectly illustrates their service available in the mortdoes for a living.

“I Fargo and “Service Countrywide.

Mozelle proud, occur. howweekends, not be client-first mentality. our motto. is Wemost as updates In addition to thein app anl omenic began his journey in the world of mortgages yond and business ethos: “Neighborhood Loansfirst wasisgreat leaving to serve the gage industry.

With offices in Addison, Illinois and he explains, “and I n 2001. “A friend of mine talked me into leaving my to work withentirely to get ever, aon home This team was focus the referral partner and client,” Billy company. processors also update clients. “No su ofmortgage. her affiliation with her current “The betheworking available if I’m and then as an ob in the trades to get into the mortgage industry. I reallyexplains. quick to respond to any questions that came up, “We run a very efficient operations group, all the much communication, we like to make Mesa, Cityhere,” Lending services“is clients in each one that I can mainArizona, reason IKey came shealso explains, because government employee, re ecided to jump right in, and I’ve never looked back. were way constantly for better rates and stayed from looking the second theFlorida, loan application isonmechanic taken to the asis aclear at all times.”referral In addition tohe guidin California, and Michigan. partner.” we’re a faith-based company.

Movement Mortgage “I really love wh was absolutely one of the best decisions I have top ofsecond all issues that arose.

Getting a mortgage is “early, acall from agent he with the loan is funded.

We have a saying, often anthroughout theworked transaction, they previou also host gave 45% of their profits awayaslasticsyear to charibuyers’ faces whi at ver made.” lot ofand work.

If you are looking for atomortgage responsibly,” soover we aim take carebroker of our clients related to real estate and finance, was has opening up a new officeMichael’s and asked me to Opened in 2017, Key City Lending already established plans for for purchasing a home, I recommend Neighborhood ties,asorganizations, trips and things like that.” canwho never thoug soon as possible, often as possiblemission and in a responsible and the community attend. mortgage side of it, so I took the job,” he sa amake stellar as aand trustworthy, efficient and caring continue the rapidIg omenic is proud of his affiliation with Neighborhood Loans.

They will process smooth look manner.”

This has the ledreputation to a 99% customer satisfaction rate bly rewarding. oans, and he currently manages two remote locations out for your best interests.” company.

Informed by Michael’s lengthy experience to enhance the is now broker of Motto Mortgage in Shiloh, and an average closing time of just days. to “Wecredit have aherAssupport Billy looks towards thetofuture, he exc isthe Mozelle – who is 14 quick team can achieve or the company. “They’ve really put together an office in the world of finance and his sincere concern for its that has become sy very efficient group, to us, that’s the most important part.” the sizeright of the inside team and the continue recruitin with his office Shiloh R for Domenic their hard work - ismore also proud of the wide array ulture that feels like family,” he explains, “Their When he’s not working, enjoys nothing clients, Key City Lending’s success continues to grow Lending.

“Purchasi people.

“I love leading my team and havin Signature Properties.

With direct access to 27 main focus is to help us grow our business – and they than spending quality time with his wife and two young of products Movement Mortgage offers, designed to people, and get them to “Service first is our Motto. We focus solely the refercoach and mentor exponentially, with no sign ofonslowing down. and sometimes a fru ways have your back!” He is also grateful to be able children. He also enjoys playing golf and loves a good he has built a strong relationship with them fitclient. any We buyer’s needs. She particularly passionate ral partner aremy systematic ouris approach in their careers.” believe simplicity is o offer a wide array of loans to suit any buyer’s needs. workout.

“I reallyand love being with kids,” he in says,

MOZELLE BRICK

NICK WALTER MICHAEL MALYSZKO

CONTENTS

4) HOW TO GET THE BIGGEST RECHARGE OUT OF YOUR LUNCH HOUR

17) 8 TIPS ON USING DISRUPTIVE THINKING TO IMPROVE INNOVATION

13) 5 REASONS WHY YOU NEED A MENTOR

We’re incredibly well-versed in anything residential, om conventional to jumbo loans, first time buyer or move up buyers, we get the job done.”

21) HOW TO CUT DOWN ON DIGITAL DISTRACTIONS their go-to source anything to fi about working with Veterans.

I feel veterans should be easierrelated “whether that’s taking to the of parkKey or justCity hanging The them entirety Lending’s business is for based and more AND UP YOUR PRODUCTIVITY remembered in every capacity possible.

“As a thank out with them in their toy area while covered in toys.”“They can walk down the hall and talk m

upon referrals from and satisfied clients, perhaps with outstanding c For Realtors more information about Billy Mays, you to the military for their service,” she says, “we do right then and there.

We share a common go reinventing the loan the most accurate measure of a job well done in the Domenic’s plans for the loan future of512-652-8309 his business are cost. please call or email bmays@servicefirstmtg.c their with ZERO Lender So, I can save vethighly-competitive mortgage industry. “It’s because we urrently, the entirety of Domenic’s business is based fairly simple: to continue growing it while sacrificingunique and amazing partnership,” he says. erans thousands ofincredibly dollars when I’m closing loans make the process seamless,” says their Michael, n referral business,Phone a sure indicator of a job well done| Fax none310-734-1440 of the amazing service that has become his call310-734-1440 and still give them the best customer service out there.” when asked how he and hismy company manage to inspire n the extremely competitive mortgage industry. “I ing card. “I love the gratification I get from seeing While much of his business comes fromTophis Copyright A mag@topagentmagazine.com | atwww.topagentmagazine.com hink it’s because my team is focused on giving my cli- clients’ smiles the closing table,”loyalty. he says.“We’re “I love very transparent, and very such consumer partners, he has found it easy to build relat nts the best experience possible,” he explains, when making the deal happen.” knowledgeable weconsent do. I always sureTop thatAgent Unlike many about ofwithout herwhat competitors, Mozelle is willing to Magazine No portion of this issue may be reproduced in any manner whatsoever prior of themake publisher. with clients in those the military.

“I’m a vetera every loan officer on team fully understands current go the extra mile formy clients, particularly who is published by Feature Publications GA, Inc. Although precautions are taken toher ensure the accuracy of published materials, service the area I was born and more information about Domenic , difficulty so thatorwhen they’re to Realtors TopFor Agent Magazine cannot be held responsible for guidelines, opinions expressed factsqualifying suppliedspeaking byfor its authors.

To subscribe are Noia having a loan, and it’sorin or change Forraised morein, infw by shines. an air force base,” Nick explains. address, send inquiry to mag@topagentmagazine.com. in her the U.S. customers, they always knowright the right answers.” an call 630-386-6096 or email Domenic@neighborhoodloans.com thisPublished area that empathetic nature “NotAsevery plea“ added KeytoCity average clear-to-close understand what members ar clientbonus, is going be Lending’s in thetoperfect position to buymilitary a email Mo time is only twenty days, significantly lower than the through and be able to provide them with a Copyright Top Agent Magazine 2 Top Agent Magazine industry average. rience that helps them reduce the stress of u

their family.” Whether it’s a military family

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

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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 4

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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ANTHONY MUSCARELLA Top Agent Magazine

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When Anthony Muscarella joined Advisors Mortgage Group in 2006, the company had only an emerging local presence in New Jersey. Advisors Mortgage has since grown to a multi-state mortgage bank with offices throughout the U.S. Now a branch manager at Advisors Mortgage Group in Wall Township, Anthony and his team contribute to the bank’s position as second in market share in Monmouth County for loan volume on purchases. His team includes several loan officers, a production partner, an assis8 Copyright Top Agent Magazine

tant and a handful of processors, each of whom is motivated to make people’s homeownership dreams a reality. “Our business is 95% referrals,” says Anthony.

He believes that the referrals from REALTORS®, attorneys, financial planners and previous clients are the result of the team’s highly specialized process.

“A lot of mortgage companies just kind of throw a deal at the wall and see what happens,” says Anthony, noting that at his Branch, the process differs from Top Agent Magazine

the industry standard in its front-heavy approach to qualifying buyers. “We have a very well thought-out, specific process involving all team members. Everyone knows what is expected of them,” he says. “That process is our differentiator; having the right people within that process ensures smooth transactions. Our loans are often ready to close two to three weeks ahead of schedule.”

With shorter-than-average times clearing loans to close, clients and partners will Top Agent Magazine

never see a mad dash with Anthony and his team. “There’s no hurrying, no rushing around and we don’t have surprise issues on the back end of deals,” he says. “Everything falls in line and our borrowers have very unique, stress-free experience.” For Anthony the reward is not only in the referrals he receives but the joy on the faces of his clients. “It’s so rewarding when somebody is almost in tears with disbelief and gratitude over how smoothly things went after a nightmare they had previously experienced or stories they’ve heard.”

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TOP 10

LENDERS BY MARKET SHARE

Previous 12 Months | Monmouth County*

% of Total Transactions / Loans 1.

Wells Fargo Bank 9.19%

2. Advisors Mortgage Group 7.19% 3. Homebridge Financial Services, Inc 4.39% 4. Bank of America 3.25% 5. JP Morgan Chase Bank 2.73% 6. Quicken Loans 2.42% 7. NJ Lenders 2.30% 8. American Neighborhood Mortgage Acceptance 2.15% 9. Coldwell Banker Home Loans 1.95% 10. Citibank 1.16%

BIG BANK CAPABILITIES WITHOUT THE BIG BANK ISSUES

*Source: Core Logic Market watch report. Purchase money first mortgage loans. May 2015 - April 2016.

Having grown his career in tandem level with my team, the plan is to conwith the expansion of Advisors Mort- tinue to expand, to employ more people, gage, Anthony sees only continued Branch to help more and more borrowers. We Manager, NMLS# 111400 Route 33 • Wall, 07727 • Branch NMLS# 173453the dream of growth and a bright future for him and 5114 want to NJshow them that ANTHON Y MUSCARELLA Office: 732.749.3333 x12 • Cell: 908.330.0213 the branch he leads. “I love that I have AMuscarella@AdvisorsMortgage.com home ownership • AMuscarella.AdvisorsMortgage.com is within their reach been a part of what we as a company and really isn’t as overwhelming as have achieved,” he says. “At the branch they may think it is.”

Licensed by the NJ Department of Banking and Insurance

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www.WhiteStreetMedia.com

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At the community level, Advisors Mortgage and Anthony’s branch go beyond helping simplify the process of buying homes, says Anthony. “Advisors is pretty amazing. They match all of our donations, dollar for dollar.” Anthony personally is also very active with local youth sports and schools. “I’ve managed teams and coached teams; and I am involved with local schools and charitable organizations hosting annual events.” With two children ages 5 and 1, Anthony’s personal focus is on his children and family. “My wife and I believe in experiences, we try to expose Top Agent Magazine

our children to as much as possible.”

An attitude of remaining relevant and present to others spans all aspects of Anthony’s life and work. “At our branch, our focus is on each individual transaction and making sure we do our part to ensure a smooth experience for everyone we encounter,” says Anthony. “From borrowers to REALTORS® to attorneys, our referral partners know how much we appreciate helping get people into homes.” The opportunity to do so, he says, is life-changing for clients, his team and for Anthony.

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To learn more about Anthony Muscarella, visit wall.advisorsmortgage.com, email amuscarella@advisorsmortgage.com or call 732-749-3333 Ext. 12 www.

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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 14

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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MOZELLE BRICK Atlanta-based Loan Officer Mozelle Brick – of Movement Mortgage – is a dedicated professional who truly cares about her clients and is fully invested in achieving a positive outcome for them. Mozelle’s deep well of industry knowledge, coupled with her solid work ethic, and profound sense of empathy for her buyers has resulted in her impeccable reputation as a trusted financial advisor who always puts her clients’ best interests front and center during every transaction.

Rapidly approaching two decades in the mortgage industry, Mozelle began working in the field directly out of college. Prior to joining Movement Mortgage, she worked for several major banks, including Wells Fargo and Countrywide. Mozelle is most proud, however, of her affiliation with her current company. “The main reason I came here,” she explains, “is because we’re a faith-based company. Movement Mortgage gave over 45% of their profits away last year to charities, organizations, mission trips and things like that.”

Mozelle – who is quick to credit her support team for their hard work - is also proud of the wide array of products Movement Mortgage offers, designed to fit any buyer’s needs. She is particularly passionate about working with Veterans. I feel veterans should be remembered in every capacity possible. “As a thank you to the military for their service,” she says, “we do their loan with ZERO Lender cost. So, I can save veterans thousands of dollars when I’m closing their loans and still give them the best customer service out there.”

Unlike many of her competitors, Mozelle is willing to go the extra mile for her clients, particularly those who are having difficulty qualifying for a loan, and it’s in this area that her empathetic nature shines. “Not every client is going to be in the perfect position to buy a Top Agent Magazine

home,” she says. “But I never tell anyone ‘no.’ I tell them that it might not happen right now, but I continue to work with them to get their credit scores up. A lot of the loans I’m closing right now were for clients who had some problems, but we worked through them and we’re now at the point where we can close.”

Mozelle’s excellent reputation negates the need for paid advertising to obtain business, and the majority of her Realtor partners come from seminars Mozelle holds regularly for agents. “I love teaching,” she says.

“I hold a class for Realtors the last Wednesday of every month teaching a different topic that helps them grow their business. The majority of people I do business with come from that class.”

Another factor in Mozelle’s success story is her willingness to work long hours and to be constantly available to her buyers and Realtor partners. “I work nights and weekends, not because I have to, but because I want to be available if I’m needed,” she says.

“I really love what I do,” says Mozelle. “Seeing my buyers’ faces at the closing table, particularly those who never thought they could own a home, is incredibly rewarding. I just want to help as many people as I can to achieve that.”

For more information about Mozelle Brick, please call 404-512-9323 or email Mozelle.Brick@movement.com Copyright Top Agent Magazine 15

BILLY MAYS For Billy Mays, working in the mortgage industry is a dream come true.

Although his love for his work is obvious to all who meet him, it wasn’t always that way. Sixteen years ago, he was working in the automobile industry, and decided to take an interview with a local mortgage company. When he was offered the job, he declined it, but decided to take a meeting with the regional manager. After learning about all of the opportunities it could offer, Billy took the risk, and jumped in, going through ‘sales camp’ and learning the ins and outs of the business. He hasn’t looked back. “I was promoted within 9 months, and a year later I was opening up a CountryWide Home Loans branch in Austin, Texas,” he explains. Throughout many promotions and leading multiple branch openings for several different companies, he flourished as a regional manager, and stuck to it ever since. Today he is a Regional Sales Manager for Service First Mortgage in Fort Worth, Texas. He facilitates 7 different branches and focuses on recruiting and training loan officers.

As a direct lender, Service First Mortgage offers everything from agency direct to niche products.

Their variety of loans and impeccable service has resulted in their business being 100% referral based.

“Service first is our motto. We focus solely on the referral partner and client, we are systematic in our approach to operations from the initial application through the funding of the loan,” Billy explains.

“We have a saying, ‘early, often and responsibly,’ so we aim to take care of our clients as soon as

possible, as often as possible and in a responsible manner.” This has led to a 99% customer satisfaction rate and an average closing time of just 14 days. “Our success stems from the dedication of this incredibly efficient team. We are a very efficient group, and to us this is the key.”

That efficiency also means staying in touch with their clients regularly.

They implemented an app that offers 100% transparency every step of the way. Communication remains paramount, it allows everyone to stay diligent on where they are in the process. The client also has the option of receiving text updates, and Service First Mortgage’s CRM will send out emails to referral partners and the borrowers as updates occur. In addition to the communication provided by their app and emails, the processors also update the clients and partners through the loan process. “There’s no such thing as too much communication, we like to make sure everyone is clear at all times.”

In addition to guiding their clients throughout the transaction, they also host classes on topics related to real estate and finance, which both agents and the community can attend.

As Billy looks towards the future, he is eager to double the size of the team and continue recruiting like-minded people. “I love leading my team and having the ability to coach and mentor folks, and help get them to the next level in their careers.”

For more information about Billy Mays, please call 512-652-8309 or email bmays@servicefirstmtg.com

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8 Tips on Using Disruptive Thinking to Improve Innovation You might be wondering what disruptive thinking is. How can anything disruptive be good? Well, if you’re caught in a stagnant place, shaking things up might be exactly what you need to gain some momentum in your personal or professional life.

the norms that keep you from being creative and implementing big ideas. Here are some simple things you can do to find opportunities that might be hidden if you stay stuck in the status quo.

Sometimes taking a step out of your bubble will give you a much needed perspective and allow you to achieve the breakthrough you need to take things to the next level. There is no more valuable commodity in today’s business world than innovative thinking, and the key to innovative thinking is breaking down

1. TAKE RISKS

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Without risks, there usually won’t be any major rewards. Sure being steady and careful might keep things going marginally well, but if you really want to go big, you need to go all in sometimes. If you go through the history of great innovations, none of them

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were achieved by playing it safe. Embrace mistakes. Learn from them, they often provide valuable insight and that will lead to great success on your next attempt.

2. FAMILIARIZE YOURSELF WITH A COMPLETELY DIFFERENT INDUSTRY This might seem counter-intuitive, but you’d be amazed at what you can learn by looking into successful companies, no matter what the business type is. You’re almost certain to find valuable solutions, systems or technology, that might fit your business, giving you a unique advantage over the competition.

3.BE CURIOUS Break some of your daily habits, even if it’s as simple as ordering a new dish at your favorite restaurant. Even the smallest changes can help spark a new idea. Always be on the lookout for new ways to do things. Little innovation are all around you. If you remain curious and keep an open mind, you’ll be surprised as to what might spark the next great idea.

4. PICK THE BRAIN OF A NON-EXPERT Yes, there is a lot to be gained by having access to someone with an expertise in your field, but you can learn a lot from a newcomer as well. They are a blank slate, and may inspire you with their completely unique point of view on things as someone just starting out.

5. BE LESS JUDGMENTAL It’s very easy to dismiss a new idea. You have experience and that can oftentimes lead 18

to a million reasons why something won’t work. But there really is no harm in ignoring your initial impulse and thinking it though a bit more. If you or someone you work with has passion for an idea, it’s definitely worth pursuing.

6. CHANGE YOUR PERSPECTIVE We tend to look at things in a linear way.

If you feel like you’ve stalled out on something, literally flip the script. Re-imagine it from different perspectives, reverse engineer the process. Anything you can do to see it from all angles, might get the creative juices flowing again, and could even lead to a breakthrough.

7. VALUE CHAOS Yes, it’s great to be organized and have a plan, but sometimes a little randomness can be that added ingredient that makes it all work. One of the major keys to successful disruptive thinking is breaking up everyday patterns. Sometimes the path to rational solution is filled with chaotic moments.

8. BE WILLING TO LET GO Don’t be rigid. Even the best ideas can always be refined and improved. You’ve invested a lot of time in your idea and it can be hard not to cling to it, but input from other people will only strengthen what you want to do.

Having big ideas is great, but you also need to be pragmatic. Recognize changes you might need to make to get your big idea implemented. Disruptive thinking is all about flexibility.

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DOMENIC NOIA Domenic Noia – VP of Mortgage Lending with Neighborhood Loans in Lombard, Illinois – is rapidly approaching two decades helping his many grateful clients achieve their goal of home ownership. With a steadfast focus on providing exceptional customer service, Domenic truly cares about both the success of his buyers and his Realtor partners in the Chicago area, and has more than earned his reputation as a top-notch mortgage industry professional.

Domenic began his journey in the world of mortgages in 2001. “A friend of mine talked me into leaving my job in the trades to get into the mortgage industry. I decided to jump right in, and I’ve never looked back.

It was absolutely one of the best decisions I have ever made.”

Domenic is proud of his affiliation with Neighborhood Loans, and he currently manages two remote locations for the company. “They’ve really put together an office culture that feels like family,” he explains, “Their main focus is to help us grow our business – and they always have your back!” He is also grateful to be able to offer a wide array of loans to suit any buyer’s needs.

“We’re incredibly well-versed in anything residential, from conventional to jumbo loans, first time buyer or move up buyers, we get the job done.”

Currently, the entirety of Domenic’s business is based on referral business, a sure indicator of a job well done in the extremely competitive mortgage industry. “I think it’s because my team is focused on giving my clients the best experience possible,” he explains, when

asked to account for the incredible amount of trust and loyalty he inspires.

“The mortgage process can be grueling for them, so we work hard to simplify it and give them a silky smooth transaction from start to finish. I can truly stand behind the service we offer.”

The appreciation his clients feel for Domenic and Neighborhood Loans is made abundantly clear in the many glowing testimonials they have received for their services, including this one that perfectly illustrates their above-and-beyond business ethos: “Neighborhood Loans was great to work with to get a home mortgage. This team was really quick to respond to any questions that came up, were constantly looking for better rates and stayed on top of all issues that arose. Getting a mortgage is a lot of work. If you are looking for a mortgage broker for purchasing a home, I recommend Neighborhood Loans. They will make the process smooth and look out for your best interests.”

When he’s not working, Domenic enjoys nothing more than spending quality time with his wife and two young children. He also enjoys playing golf and loves a good workout. “I really love being with my kids,” he says, “whether that’s taking them to the park or just hanging out with them in their toy area while covered in toys.”

Domenic’s plans for the future of his business are fairly simple: to continue growing it while sacrificing none of the amazing service that has become his calling card. “I love the gratification I get from seeing my clients’ smiles at the closing table,” he says. “I love making the deal happen.”

For more information about Domenic Noia, call 630-386-6096 or email Domenic@neighborhoodloans.com Top Agent Magazine

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MICHAEL MALYSZKO Michael Malyszko, Mortgage Loan Officer - and owner of Key City Lending, Inc. – is a truly dedicated professional who has committed himself and his company to providing each and every one of his buyers and Realtor partners with the very best customer service available in the mortgage industry. With offices in Addison, Illinois and Mesa, Arizona, Key City Lending also services clients in California, Florida, and Michigan.

We’ve helped quite a few people purchase a home who live abroad and many clients that have ITIN numbers.

We’re very knowledgeable about every product we offer.” Michael also specializes in assisting the Hispanic community, and his Illinois office staff speak both English and Spanish.

Opened in 2017, Key City Lending has already established a stellar reputation as a trustworthy, efficient and caring company. Informed by Michael’s lengthy experience in the world of finance and his sincere concern for its clients, Key City Lending’s success continues to grow exponentially, with no sign of slowing down.

Michael’s plans for the future are fairly straightforward: to continue the rapid growth of his business while continuing to enhance the exceptional customer service experience that has become synonymous with the name Key City Lending. “Purchasing a new home can be a confusing and sometimes a frustrating process,” says Michael. “We believe simplicity is the key, and we’ve made the process easier and more efficient by integrating technology with outstanding customer service. We’re focused on reinventing the loan experience for our customers.”

The entirety of Key City Lending’s business is based upon referrals from Realtors and satisfied clients, perhaps the most accurate measure of a job well done in the highly-competitive mortgage industry. “It’s because we make the process incredibly seamless,” says Michael, when asked how he and his company manage to inspire such consumer loyalty. “We’re very transparent, and very knowledgeable about what we do. I always make sure that every loan officer on my team fully understands current guidelines, so that when they’re speaking to Realtors or customers, they always know the right answers.” As an added bonus, Key City Lending’s average clear-to-close time is only twenty days, significantly lower than the industry average.

Michael is justifiably proud of the wide array of loan products his company offers. “In addition to Conventional, FHA, VA, USDA, and Jumbo loans,” he says, “we also cater to Commercial clients as well as self-employed individuals and by using our unique Bank Statement and Profit and Loss Program we eliminate the need to provide tax returns. Key City Lending is also servicing the underserved market of ITIN and Foreign National loans.

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Another significant factor that has contributed to Michael’s success story is that he truly enjoys what he does for a living. “I love that every single loan is different,” he explains, “and I like that I learn something new from each one that I can then take to my next customer or next referral partner.”

For more information Michael Malyszko, please call 888.343.1790 Ext 100 or email Michael@KeyCityLending.com.

Follow Michael on Instagram @michaelmalyszko Copyright Top Top Agent Agent Magazine Magazine

How to Cut Down on Digital Distractions

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

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

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

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

Focus on one digital task at a time.

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

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

Give yourself a curfew.

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

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

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

Keep your inbox organized.

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

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

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

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NICK WALTER For Nick Walter, a career in the mortgage industry was the best way to utilize all of his skills. “I started in banking when I was 19, and worked my way up from a part-time teller, to branch manager, to doing mortgages,” he explains. After leaving to serve in the military, and then working as an aircraft mechanic as a government employee, he received a call from an agent he worked with previously. “He was opening up a new office and asked me to run the mortgage side of it, so I took the job,” he says. Nick is now broker of Motto Mortgage in Shiloh, Illinois, with his office right inside the Shiloh RE/MAX Signature Properties. With direct access to 27 agents, he has built a strong relationship with them, and is their go-to source for anything related to financing.

“They can walk down the hall and talk mortgages right then and there. We share a common goal. It’s a unique and amazing partnership,” he says.

While much of his business comes from his referral partners, he has found it easy to build relationships with clients in the military. “I’m a veteran, and I service the area I was born and raised in, which is right by an air force base,” Nick explains. “I’m able to understand what military members are going through and be able to provide them with an experience that helps them reduce the stress of uprooting their family.” Whether it’s a military family, a first time home buyer, an investor or anyone in between, Nick’s focus is on providing superior service. “I have every line of communication possible, and I stay in touch with them through phone calls, emails, or in person. I keep both the buyers and the agents in the loop about updates.”

Nick loves to tailor his communication style to the person he’s serving, so if they like to communicate Top Agent Magazine

via a certain method, he will utilize that method throughout the transaction. Similarly, he loves to tailor his service and products to a specific person. “You can bring in a customer that doesn’t fit the mold, and I can still develop and find a product that is perfect for them. A lot of my early business was providing a unique experience for every individual, including the customers turned away by other lenders.”

When Nick isn’t working, he’s giving back to his community. He ran a sports center for kids ages 4-10, and is part of the local athletic commission, which has renovated their parks and fields for sports like baseball and softball. He has also volunteered as a youth sports coach for the last 12 years.

As Nick grows, he can’t wait to see what this career path has in store for him. Loving every minute of his work, he can’t imagine doing anything else. “I love the feeling of getting someone into their house and seeing how happy they are, that’s what drives me to keep doing this business.”

For more information about

NICK WALTER, please call 618-593-8611 or email Nick.Walter@mottomortgage.com Copyright Top Agent Magazine 23

mailto:mag@topagentmagazine.com

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