December 27, 2025 • 46 mins
Full show from the Donovan & Jorgenson Heating & Cooling Studio: Saturday, December 27th, 2025
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Episode Transcript
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Speaker 1 (00:00):
Welcome into the Creative Construction Wisconsin Home improvement show on
Fox Sports nine twenty and your iHeartRadio app as always,
coming live from the Donovant and Jorgensen Heating and Cooling studios.
It's a perfect time to have them come out and
just do a maintenance program on that HVAC system. It's
going to get really cold again and you want to
(00:21):
make sure that your furnace is ready to go. Go
to Donovan Jorgenson dot com, my co host. He is
here and he told me right away he spoiled that
little one, that granddaughter for Christmas. It wasn't so much.
You don't I don't think right.
Speaker 2 (00:37):
Well, you know, I'm one of those people. I'm just
as surprised to see what she gets as she is.
Speaker 1 (00:42):
I take the little credit when the grandkids really like that.
Speaker 2 (00:45):
Yeah, And he said, man, I love this toy, thank you,
thank you.
Speaker 1 (00:49):
I picked it.
Speaker 3 (00:50):
I picked it up.
Speaker 1 (00:50):
Yeah, I picked I'm telling you, I've got to give credits.
Speaker 2 (00:54):
With all my kids though. It's all my kids. Whatever
they get, whatever they open up, I'm just as surprised
as the Yes. Yeah, I'm not allowed in. And you know,
even with all the can you know she has certain
rooms I'm not allowed to go in anymore. But now
we're done with the holidays, now I can.
Speaker 3 (01:07):
I can look at stuff back and yeah.
Speaker 2 (01:09):
She's like, no, that door shut is locked. Don't quite,
there's no reason for you to go in there. Well, now,
you know, as soon as you say that, now I
want to go in.
Speaker 1 (01:15):
I want to go and see, I got to give
credit to my wife, Terry. I got to She works
so hard and she never wants that day to end.
The nice thing this year is we're going to be
out at her sister's in Hartford today.
Speaker 3 (01:30):
Later on she'll still doing Christmas, still.
Speaker 1 (01:32):
Doing Christmas, yep. And she's normally she gets a little
bit depressed Christmas night when all the grandkids and our
kids go home, And this year not so much because
she knew another one's coming and this afternoon will be
out in Hartford and celebrating with the entire Paplinsky plant.
Speaker 2 (01:50):
Well you know, you know Univer see like Debbie's you know,
she always like talks about the weather all the time. Yeah,
so that's why I got it for Christmas, one of
those weather station things.
Speaker 1 (01:57):
Yeah.
Speaker 2 (01:58):
So that ruined my whole day yesterday, just on a
build this thing at a manual on it for my truck?
Isn't a stick? Is this thing?
Speaker 3 (02:06):
I was really busy all day yesterday.
Speaker 1 (02:08):
You know what, this year, I got very personal with
the gifts, right. I got her an ornament with the
other grandkids' names, and I had a song did done for.
I did just some stuff that was kind of personal
for us, and and I think I did well this year.
I think, I don't know, we'll see My son in
law when he listened to the song I had made for,
he said, that's like a get out of jail free
(02:29):
card for like a year for you. I go, yeah, yeah,
I can mess up a couple of times. You start
playing the song, and I think they'll be all right.
Speaker 3 (02:35):
I was gonna say.
Speaker 2 (02:36):
On a construction site of our company, Sam wrote that
she did you know, twins night before christ that thing. Man,
I got a lot of people talking about that. That
was a great job that she did it.
Speaker 1 (02:45):
Yeah, she's so talented. She just really is. Hey, I'm
excited about today's show. I'm going to ask a lot
of questions I don't know a whole lot about, so
it'll be perfect. Other than this boy being a Cuba
city grat which you know, the mighty Cubans. I got
a chance to coach against some one time. I did
get a win, so it was okay, the all time
winning his coach in the history. He's the goat in
(03:07):
the state of Wisconsin high school of basketball. Jerry Pettig,
you recently passed away and it certainly Uh, prayers for
Joan and Mark and the entire Pedigue clan. But joining
us from Johnson Financial Group, he's Kevin evan Off. Kevin,
how you been.
Speaker 4 (03:24):
Oh pretty good?
Speaker 1 (03:26):
Yeah, merry Christmas. You had a good Christmas, great Christmas. Yeah,
you get back, you get back to you. Oh, good
yours too. You get back to Cuba City very often.
Speaker 5 (03:35):
Uh, my dad passed away three years ago. My mom moves,
so haven't been back there for a little while, but.
Speaker 1 (03:41):
Good, good memories from that. What a beautiful part of
the state of Wisconsin. If you've not been to that area,
and I've been there a number of times, it's just
a really beautiful part of our state. It really is.
I Jerry coach Pettig, You and I got along pretty
well for the most part. There's a couple of bumps
in the road there, but you know, what he is.
(04:04):
He was a guy that just would reach out and
ask how the grandkids are, how's the family. Do you
miss coach and stuff like that. I miss having conversations
with him.
Speaker 4 (04:14):
Yeah, definitely a legend.
Speaker 1 (04:15):
Yeah, one hundred percent.
Speaker 4 (04:16):
Basketball is that's the king in Cuba City.
Speaker 1 (04:19):
Boys and girls, boys and girls, Yeah, one hundred percent,
no doubt. Hey, how long have you been? I know
it's relatively new, but how long have you been with
Johnson Financial Group?
Speaker 4 (04:28):
Five months now?
Speaker 3 (04:29):
Man?
Speaker 1 (04:29):
And where were you? Where were you before that?
Speaker 5 (04:31):
Oh?
Speaker 4 (04:32):
I've been doing this forever. Gonna uh.
Speaker 5 (04:34):
Graduated, got in the finance business, and then I got
in the mortgage world in nineteen ninety three. Was a
mortgage broker, went through many years on my own company
for quite a while the two thousand and eight. In
two thousand and nine, time came along.
Speaker 1 (04:50):
Ouch ouch, I've put a lot of boys like you
out of business, didn't Yeah.
Speaker 5 (04:57):
Well, I struggled along until twenty thirteen. Decided to sell
my small broker business and then work for several mortgage
companies and had the opportunity about five months ago to
come to Johnson. Talked to my regional manager for like
three months back and forth, and you know what it
is you talk to someone you know they drink in
(05:18):
the kool aid? Is it really this good and a
great decision? One of the best decisions I made in
my career.
Speaker 1 (05:25):
Man, good for you. So reading a little bit about
Johnson Financial, what I really liked was a quote that
Helen Johnson Leopold, who is the chairman of the Financial Group,
when she said, founded by my father Sam Johnson, her
company represents some balance of tradition and change. Each generation
has to bring something new to the enterprise. Knowing what
(05:48):
to change and what not to change is the key.
And I read that a couple of times, and that's
so smart for me today as I'm reading that. Look,
she understands the tradition that her dad when he started
this company, but she understands that, you know, you you
have to bring when new generation takes over, you have
(06:08):
to know what to change and what not to change.
And I think that is really smart to put on
the website.
Speaker 5 (06:14):
Yeah, I think that's for anybody that's in this industry.
It's constantly changing. You know, technology has changed how you
do things have changed, social media has changed everything. But
I think the biggest thing that they have and I
try to do myself is personal service is that's one
(06:36):
of the neat things about this company. They are the
largest private bank in the state. They are, you know,
big corporation, but not too big. And everybody there they
you call, you have a question, they reach out responsive
customer service. If a customer has a complaint, we're gonna
(06:56):
we're gonna look into it, We're going to find out
what the problem is. Well, yeah, that's the biggest thing
is changing with the industry, but just keeping that personal
service going. And I know people talk about that all time,
but really they are true to that work.
Speaker 1 (07:12):
Well, when in nineteen seventy when Sam Johnson, who you know,
he owned one of the largest privately owned companies in
the world, S. C. Johnson, recognized the need for a
different kind of bank. And when I'm reading this on
the website and I watched these videos of not only
Sam but his daughter then talking about taking over, when
(07:35):
he talks about unmatched personal service and commitment to our communities.
When you're somebody who grew up in the Recine area
and started one of again one of the largest, most
successful privately owned companies in the world, when you're looking
at at a bank, you're looking at the community side
of it, and you understand the commitment that it takes
(07:58):
to be a really good value to the community. And
I thought, man, what a different set of eyes of
somebody opening a bank.
Speaker 5 (08:07):
Yeah, I don't know the whole history, but no, but
I can talk to you about it because I've been
on your website getting ready for this show to the
orientation then, and yeah, it was pretty cool listening to
the history and what Obviously the sc Johnson started back
in I think eighteen eighties and then in nineteen seventy
decided we're going to have a bank.
Speaker 4 (08:29):
And don't quote me on.
Speaker 5 (08:32):
My story, but I think it was just a small
bank outside of Yeah, just like a rural place, and
somebody the story was like, what are you going to
put a bank here for? No one's going to show up?
And then it just gonna a roll evoll from.
Speaker 4 (08:47):
There it did.
Speaker 1 (08:48):
And on the website when when when I'm reading the
four keys to the pillars of of how this bank
has been so successful and you look at compassion, customer, consistency,
and community, when the first one is compassion, and they
write this, Look, they're not running from this because it's
right there on the website. We operate with the highest
(09:10):
ethics and integrity while treating all people with empathy and respect. Look,
you don't get that everywhere you go, right when when
you're when when you need that. I can tell you
my personal story. We we're going to buy our first house,
my wife and I. This is years ago, and my
sister sold some real estate and she said, you should
(09:31):
go with this company to get your mortgage. And I
was told the night before they were gonna they were
gonna turn us down for for this loant. And I
was really not I didn't even tell Terry. I went
to a softball game that night. A friend of my
sister was playing and his uncle was there, Uncle Pete,
(09:52):
and Pete was like, my age right, And Pete was like, Mac,
what's going on? You're so quiet. I said, I got
some bad news. I haven't told you. He said what's
going on? And I told him. He goes, mag do
you know what I do? And I go no. He goes,
I'm the head mortgage person for this bank. Have they
turned you down yet? And I said no, They're going
to do it tomorrow at ten o'clock. And he said
(10:15):
call him at nine and pull it. He said, you
want a loan and I go yeah. He goes, are
you going to pay it back on time?
Speaker 4 (10:20):
I go yeah.
Speaker 1 (10:21):
He goes, okay, you got it, and I go, wait
what he said back, This is what I do. And
you just can't have this on your record that they
turned it down. So as soon as they open tomorrow morning,
whether you drive there or call her, tell her to
pull it and then you come see me. And he
came and helped us move in. And I kept calling
(10:42):
at the house that Uncle Pete built because that decision
to go to that softball game that night, and he
did all the paperwork, and I explained to him why
they were going to turn us down, and he said,
I can look past that because I know you and
I know where you're going to live, and I trust
that you and your wife will pay us back. And
it's like boom, And I don't think that can happen nowadays.
Speaker 4 (11:03):
No, No, there's no handshakes.
Speaker 1 (11:04):
No handshakes. But uncle Pete. Now I'm not giving this lesson.
But Uncle Pete, I still love him. I gotta be honest.
Speaker 2 (11:11):
I thought the story was gonna be like, so you
went to the alley and paid a fifty.
Speaker 1 (11:16):
Yeah it's only forty five with the Irish voice. Yeah,
I can tell you that. But I thank God back
then with the handshake and the and the nod. And
we made sure, I can tell you this, we made
sure that we were never even close to being laid
at anything with him, because that week was watching Uncle
Pete was watching every month. I've got to believe that
(11:38):
he was. But the compassion side of it, that's what
I thought of as soon as I read that on
on the website. What what do you think now that
you've been through this for five months? Excuse me? What
do you think the difference is between Johnson Financial and
some of the other companies out there.
Speaker 5 (11:55):
I think a lot of the words you're just saying,
they actually live it it. You know we operate that way.
Is it was kind of just a quick story. I
had a customer that I dealt with and they actually
did their last loan through somebody else.
Speaker 4 (12:12):
Oh well happens.
Speaker 5 (12:14):
And I reached out to her and she sent an
email back because I you know, I'm switching companies. Well,
I had my mortgage there and there was Escrows. If
you ever had Escrows, that that's just kind of a
mystery sometimes where that works each year. And they had
an issue with the Escrows, so I think I was
there for like a week, so I just reached out
(12:36):
to my boss about it. He reached out to his boss.
Then they got the servicing evolved and resolved it and
came back to her and then I told her, well,
if you want to refinance, we'll reduce costs and fees
stuff like that. So it was kind of neat. It
went from me to him to her within like a
day while and they jumped on it, so that you know,
(12:57):
it's just really customer service. And and what what we
I gotta say, what we say right now is do
they yes, but we make it happen.
Speaker 1 (13:08):
And what what location are you? What?
Speaker 5 (13:10):
What's your your main location? Personally, I've been walking shop.
I say, Pewaukee is off of one sixty four. Okay,
you know it's kind of Firehouse of Pewaukee's right across
the street, but it has a walker show yeah address, yeah.
Speaker 1 (13:23):
Yeah, I just moved to Pelwaukee a couple of years ago.
So the village of Pewaukee. Yeah, you know where the
Costco is? Oh yeah, right in that neighborhood. All right, right,
a little condo right there.
Speaker 4 (13:34):
So that cookies on Fridays.
Speaker 3 (13:35):
So I'll see you vouch for that because I had
their cookies.
Speaker 1 (13:39):
It was good because you didn't bring any in for me.
Speaker 3 (13:43):
No, I thought he was gonna bring cookies.
Speaker 1 (13:44):
Well you wanted to bring samples of the bank, And well,
you know what, the next time we're gonna we're gonna
have to make sure that, you know, we we bring
Helen then or somebody that can get us into the bank. Maybe, uh,
maybe the CEO, Jim Pop can get us any I'm
sure he can get us in and get some samples.
Speaker 5 (14:02):
Right, yeah, yeah, I actually mentioned Jim pop is. I
met him once and boy, I was impressed. It's a
great guy. And when we had our orientation down there,
they had all the leaders come in and talk to
you and and uh, you know you don't get that
in a lot of these places, is the leaders, the
people in upper management. They're just kind of like, okay, well,
(14:25):
I'll just hi. How you doing another quick story too,
because obviously we'll get into that. We have different divisions. Uh,
the wealth manager president of that I shot him an email.
My son's was applying for internships, and I just kind
of wanted to introduce myself. He responded back with it
a couple hours.
Speaker 1 (14:44):
So it just that's different than some of the look
I had. I had misplaced my my charge card and
it was it was a bad week, a couple of
weeks ago. No, I didn't you know what you remember
because my email got and so I'm taking sure of that.
This is just a couple weeks ago. And I was
(15:05):
having lunch with a client out in Iguanago and I
just pulled in and my phone starts blowing up, Hey
did you send this? Did you? Because you don't ever
send anything via dropbox? And I'm like, no, I didn't
send anything, and my email got hacked. So I'm dealing
with that. And I left my charge card and I
didn't look for my charge card for two days. Then
(15:27):
I went to pay something. I didn't have it. So
I called my bank, and you know, nine to nine
o'clock in the morning, they said you got to call
this number at a corporate and I have to be
honest with you. I couldn't understand anything the woman was saying,
and I was really crabby. I was very crabby, and
I said, look, I cannot understand a word you're saying.
(15:48):
Can I talk to somebody else? Then she started talking
much louder and really slow, and now I could figure
it out, and we stopped that card. I called the
restaurant and they weren't even open, and the woman answered, hey, mcgiffern,
I have your card, and I said, I just put
a stop to it. I said, just chop it up.
I'm going to be getting a new one. But it took.
(16:10):
It was very frustrating how long that took. The fact
that you're telling me that you know, Jim Popu, you
know CFO of your company responds quickly or will help.
I just think that that's that makes it different than
the company that I bank with.
Speaker 5 (16:28):
Oh yeah, I've reached out to several individuals in different
divisions higher up, just even introduce myself when I got there. Yeah,
they all respond back. And the branch where I'm at,
it's not just the retail side. There is a wealth
management commercial, a lot of different people in there, and
(16:48):
it's it's just been great.
Speaker 2 (16:50):
And but you know, when you develop it, you know,
you just want to develop a relationship, and that's what's
always nice. You know, you want to when you deal
with a contract name with Bangler. Uh, you want to
do relationships. We had a thing there for one of
his along a Demlin group as a group that meets
once a month. Anyways, I walked in with John Attley
(17:11):
and he thought I was like Cheers episode girl saying
Hi John, Hi John, Hi John. I mean they know him? Yes,
I said, obviously you bank here. He says, what gave
you that idea? Because I mean they're all, you know,
calling him by name, so I know who he is.
So I thought that was cool.
Speaker 1 (17:23):
Yeah, that that's that is different as well.
Speaker 5 (17:26):
Yeah, you don't get the bank traffic as you used
to years back. But when people come in there, it's
like they're like, Hi, how you doing at the first names.
Speaker 1 (17:35):
You know Kevin. At the other radio stations I worked at,
I was one and it was a big corporation. I
was one of like ten people all over the country
still got a pay per check and the only one
at this location at these other stations, and they came
to me and said, look, you have to now get
direct deposit, and they said I'd prefer not to, And
they go, why it's so much easier? Do you know that?
(17:59):
My first first real job. I worked at IHOF when
I was fourteen and fifteen turned sixteen got a job
at Cole's food store that my dad made me get
a job there. And every week that I got a check,
I had to come home and show it to him
and he would say, now, when you go back to work,
thank somebody in that building for allowing you to work there.
(18:20):
And I'd be like, and he'd say, I want to
know who you think the bakery manager, the produce manager, right,
and he's been gone for a really long time. But
every time I got a payper check, it made me
think of him again. Sure, and they said, you know what,
keep getting a paper check if that's why you get it,
and I go, yeah, it's a hassle. I still have
(18:40):
to go to the bank now I have to do
all that. But this makes me and I don't think
of him as often as I used to. But getting
this check, that's why I do it. And they said,
do it. Just keep getting it and don't worry about it.
So that's you know, I'm in the bank every week
or every two weeks with a paper check, and all
my buddies, you know, I got to wait three extra
days because it comes in right, yes, and I said
(19:02):
I don't care. I want to be able to do
that and they allowed that. Hey Kevin, really quickly before
we get to a break. This industry that you've been
involved with for a long time, a lot of changes,
but I think mostly for the good, right.
Speaker 5 (19:18):
Yes, yeah, after that two thousand and eight, Yeah, the
Wild Wild West.
Speaker 1 (19:23):
You're still in the fetal position over that one, and yeah,
I trust me a lot of people are. But since then,
I think it's changed for the good.
Speaker 4 (19:30):
Right, Yes, it has.
Speaker 5 (19:33):
The quality of loans that are put on the books
now are so much better than what it used to be.
We don't need to go back into the why that happened.
Speaker 4 (19:43):
There was a lot of variable.
Speaker 1 (19:44):
Well, there's a lot of movies out there for that.
Have you watched all those?
Speaker 4 (19:47):
Yeah?
Speaker 5 (19:48):
I kind of shook my head a little bit watching
the movie Going. I don't know that's completely right, but whatever.
Speaker 1 (19:54):
But yeah, some of its theater, but a lot of
it I thought from people that have in your industry,
some of that was true. There were some people that
made a whole lot of money while other people lost everything.
Speaker 5 (20:07):
Yeah, there was the thing without going to everything, just
certain things. It's like if you breathe you got a loan.
And if someone came to me and I just said, no,
you shouldn't do this right here, know, and I could
qualify him, but there's like you can't afford this, and
they just go down the street and someone else give
(20:27):
him a loan.
Speaker 1 (20:28):
Hey, we're going to get to a break. Other side
of the break, I'm going to tee you up for
the best. What are the best available mortgage options for
people nowadays, whether it's USDA loan or conventional loan, VA loan,
things like that. Let's talk about that on the other
side of the break. He is Kevin Evanoff. He is
a senior mortgage loan officer for Johnson Financial You can
(20:52):
go to Johnson Financialgroup dot com Johnson Financialgroup dot com
for more information out of this company. If you want
to with Kevin, he's in there Wakeshaw. It's Peewaukee, but
we'll say Waukeshaw because that's what the address is. And
he can he can walk you through in any questions
you have. And if it's not his department, he's got
(21:13):
people there that can help you with a lot of
different areas through Johnson Financial Group. This is the Creative
Construction of Wisconsin Home Improvement show on Fox Sports ninety
twenty and your iHeart Radio App. Welcome back to the
Creative Construction of Wisconsin Home Improvement Show on Fox Sports
nine twenty and your iHeart Radio App.
Speaker 3 (21:33):
So you know you were saying, is so we're gonna
be all done with that music. I got to go
back to head banging music.
Speaker 1 (21:38):
Yeah, we gotta go back to Spencer stuff, Jackson five
and the Osman.
Speaker 3 (21:42):
Okay, you know that kind of stuff.
Speaker 1 (21:44):
Yeah, coming, We're coming live from the Donovan and Jorgans
and Heating and Cooling studios. They love that music. We
play guys at Donavan, Georgia.
Speaker 3 (21:52):
This is the last week you're getting in.
Speaker 1 (21:54):
Yeah, we'll see maybe I can.
Speaker 2 (21:55):
It's like Christmas tree, how long? How long do you
play music? How long do you leave your Christmas tree
up for?
Speaker 3 (22:00):
Uh?
Speaker 1 (22:00):
If my wife would like to leave it up till
like Valentine's Day, But we know it's exact.
Speaker 3 (22:06):
I believe all your every letter Oh yeah.
Speaker 1 (22:08):
Yeah, yeah idea And that's that was.
Speaker 2 (22:09):
One of those people like you know, it's like the
weekend after the New Year's no matter what, it's got
to come down got to come down. And then she
starts looking at people. They got the lights up. You
gotta let your lights up in the beginning of February.
She looks at you with a dirty looker. Or you
guys are ones responsible for making winter last long.
Speaker 1 (22:24):
Our hoa, people will come knocking on our door going, hey,
you gotta take that. You got to take that stuff down.
Our special in studio guest. He's a senior mortgage loan
officer for Johnson Financial Group. He's Kevin Evanoff. Hey, before
we get into different mortgages. During the break, you were
talking a little bit about Johnson Financial Is it Johnson Bank?
(22:46):
Is it Johnson Financial Group? And and uh, people still
think it's it's Johnson Bank, and and they say, is
that the same same company?
Speaker 5 (22:55):
Yeah, there's a little bit of confusion there because, uh,
internally we say jfgky Johnson Financial Group. But yes, Johnson Bank.
I'll say Johnson Bank if someone kind of looks at me.
Kind of strange, but yeah, most people go by Johnson Bank.
But I think it was in like twenty nineteen they
(23:16):
changed it to Johnson Financial Group becacause they offer more. Yeah,
they're just not a retail bank. They've got obviously the
mortgage side of it, retail banking side of it, private banking,
business banking, treasury department, commercial department, wealth management, so a
(23:37):
little bit of everything.
Speaker 4 (23:38):
And that's one of the nice things.
Speaker 5 (23:40):
And when I was thinking about going there is how
they network together is if I have a customer comes
to me, I have all these other resources I'm going
to talk to them about also, and vice versa if
they have customers coming in. And one of the nice
things about uh working there, if you ask me fifteen
(24:03):
years ago if I ever worked for a bank, I'm
not going to work for a bank. But they don't
run it like a bank. The mortgage division runs it
as a true mortgage division that has the bank backing,
which is really really nice.
Speaker 1 (24:16):
That makes it That sets it apart a little bit too,
doesn't that.
Speaker 3 (24:21):
Oh yeah, yeah.
Speaker 5 (24:22):
If I when I have customers come to me, I'm
going to mention about our retail banking and things that
we offer there. If I see they may have a need.
That's say they're a business owner. I said, well, you
talk to dating about private banking, you know, wealth management
the same. So it's it's kind of nice because that's
one of the big things. Again, what they want to
(24:43):
do is they want to have a customer come in,
let's talk about all our services.
Speaker 1 (24:47):
Hey, how does that work if I'm if I'm a
customer of yours, right, But yet I want to look
at some of the other opportunities through Johnson Financial, whether
it's for the to give an agency or it's something
outside of a mortgage. Am I still are you still
my point person?
Speaker 5 (25:08):
I'll be the point person. Then I'll find the person
you need to talk to. If they don't, they're not
the right person, They'll find the person. And I just
actually recently just had a customer wanted to set up
a business account personal account, and I emailed the branch
manager said I'll be the starting point for that person.
And they came in and I met with them, and you.
Speaker 1 (25:30):
Know, so what's kind of nice for somebody like me
is then I'm building my team right that I have.
So if you're not available, just I.
Speaker 3 (25:38):
Just have someone to call and talk to. Yeah, that's
the problem.
Speaker 2 (25:41):
That's a probably a lot of you know, they don't
have it, you know, so doesn't mean definitely let you
handle them that at least I got something you can
call and talk to Yeah.
Speaker 1 (25:47):
The tough part for what happened to me a few
weeks ago is when I called the people that I know,
they said, we I can't help you got to go.
You got to go to this corporate and then they
sent me somewhere else. And it when when when you're
when you're as frustrated as I was that day to
finally get somebody on the phone and for that person
(26:08):
to go, Ah, they sent you to the wrong person.
I'm gonna have to send you somewhere else. Why don't
you call this number? And then to be able to
to get out hold of somebody that I've never met,
that that I couldn't understand, and I'm in I'm in
the fetal position at this point because I I don't
know where my card is.
Speaker 4 (26:27):
Oh yeah, I'm gonna be involved in it.
Speaker 5 (26:28):
If I refer you to somebody, I want to know
that you talk to that person they helped you. I
want to be in that correspondence and I'll follow up also,
so it's not just I'm just gonna hand you off
and forget about you and you just don't see that.
We're not going to say push this button, that button,
and then you'll get cut off on customer service and
(26:49):
have to redial and start again, so no people will
pick up the phone, they'll talk to you. And yeah,
it's all about uh referring internally. And actually we meet
once a month and we the private banker, the business,
the retail We talk about internal referrals and customers and
well how to go with that particular person. So yeah,
(27:09):
that's the thing that's really nice.
Speaker 1 (27:10):
Yeah, that's great. Before I ask you about available mortgage options,
I got a text about how much money somebody should
put down. And a friend of mine's son is mine
his first house and they're gonna do a USDA loan
and wondering if there's He says, he's got a pretty
good credit score. I would I have known this kid
(27:33):
since he was a newborn, and I don't know about that,
but my buddy said, look pretty pretty high credit score.
Is there a percentage that you would recommend that they
put down?
Speaker 5 (27:43):
Well, USD AID loans or rural housing those you can
do no money down, but you have to be in
certain areas, there's certain income population size. So I don't
know if that would be the best loan for them.
If someone came to me, fah, loan f aj WEEDA
(28:06):
Wisconsin Housing Authority, that's a great first time home buyer program.
Speaker 4 (28:10):
You can do his a little three down.
Speaker 5 (28:12):
But then they have a thing called easy Clothes where
you can do no money down. So there's other options.
Not saying the USDA is the not the right choice,
but that we look at other things.
Speaker 1 (28:24):
Okay, good, I hope Uh yeah, I hope he's listening
right now. If not, I'll send him a copy of
it and if he's got questions he can call you.
Speaker 4 (28:33):
Yep.
Speaker 1 (28:33):
Is that okay? With that? On a on a let's
say a conventional loan or.
Speaker 2 (28:38):
That's a good point. Not every loan is for you.
It's every different needs different They need different things. And
that's great that. I mean, as soon as you said,
well this guy's get a loan, here is going to
get it. The first thing he said is well you
might want to go another road.
Speaker 1 (28:51):
You might want to go another round round. Yeah.
Speaker 2 (28:53):
Well that's the kind of person you need for looking
at looking over your shoulder for you.
Speaker 1 (28:57):
Is there a percent down that that you would recommend it?
If somebody has the finances, do you recommend if they
can do fifteen percent or twenty? Is that too high.
Speaker 4 (29:07):
No, we'll look at the options.
Speaker 5 (29:09):
Just I'll use an example, if someone calls up looking
to buy a home, I'll just have a short conversation
with them where they're looking at single family, duplex, condo
obviously if they've never bought a home before, I'll kind
of explain things. We look at their credit, down payment, income.
One of the big things nowadays is well credits always
(29:30):
credit credit scores. But income is it variable? Is it
hourly commission bonus, self employed? We have to put that
put that all in there. But like conventional lending, you
can do as little as three percent down. I'll say
you're looking to do a minimum down or what are
you thinking. Sometimes people will come back and say, oh,
(29:51):
I don't want to pay PMI private mortgage insurance, and
they don't really realize that Zach, Yeah, yeah, exactly, I
want to No, I don't want to pay PMI. But
if you have a good credit, the PMI cost is
not that expensive. So what you have to do is
show people what the cost is and okay, well, then
(30:13):
the other option is just continue saving. As home prices
go up, so most people when they buy, once they
see the real cost the PMI, they understand it, and
it makes sense.
Speaker 1 (30:24):
When when you had your own company, would you work
through companies like Johnson Financial or how were you doing that?
Speaker 5 (30:32):
That was kind of a different world. As a broker,
you're kind of the person in the middle, and you
didn't do any It wasn't your money, it wasn't your underwriting,
it wasn't your funding, wasn't your closing. So certain companies
dealt with brokers, and certain companies did not deal with brokers.
(30:52):
So so let's say s. E. Johnson or Johnson a
financial group, they would have to want to deal with brokers,
and I have a separate division that dealt oh, I say, okay,
So it's not as if we did a loan and
send it through the regular retail. They would have to
have a specific division they handle the broker side.
Speaker 1 (31:12):
Hey, when people ask you about different mortgage options and
which one's the best for me, what information do you
need from people if it's let's just utilize a thirty
year old couple been married a couple of years.
Speaker 2 (31:26):
Another thing that people don't realize is before you go
buy a house, you should go to a bank first,
because otherwise you can't even make an offer to purchase.
Speaker 1 (31:34):
Yeah, you've got to have until you get pre approved.
Speaker 2 (31:38):
I mean, you need to get approved again. Just say
I'm gonna go look at a house. You need to
go talk to a bank first. You can't just go.
Speaker 4 (31:43):
You can't just how do you know what you're even going?
Speaker 3 (31:45):
Right?
Speaker 2 (31:45):
Look at qual Everybody finds out out the hard way,
especially first time. Like I said, you said, I need
a bank from your letter, you know, a letter from
your bank, and you're.
Speaker 1 (31:57):
Like, yeah, what letter?
Speaker 3 (31:58):
What bank?
Speaker 1 (31:59):
Ken? Indeed, I heard this like a couple of weeks ago,
and I was shocked by that that that first time.
The age of first time first time home buyers is
increased to somewhere like thirty two thirty three years old,
and look meager. Growing up twenty two to twenty three
is kind of when you started thinking, Okay, I want
to quit paying rent and I want to have, you know,
(32:22):
I want to own something. It seems to be getting
older and older when people can can afford their first home.
Speaker 5 (32:30):
Yeah, I think it's just a lot of prices, interest rates. Actually,
it's interesting you brought that up. A couple months ago.
I did a loan for young lady, and I think
she was twenty three, first time over for her twenty
percent down. Boy, she had a down.
Speaker 4 (32:48):
She's smart saving. Yeah, yeah, it was like wow.
Speaker 1 (32:51):
You know what, her parents did a really nice job
with that. For sure. With all the different available mortgage options,
is there one or two that you think are your
go to that you think let's just utilize. A first
time couple been married a couple of years in their
you know, early thirties or late twenties, what do you
(33:14):
go to as far as mortgage options for them?
Speaker 5 (33:17):
Well, you start out with conventional That's what the conventional
is that you've ever heard the terminology Fanny may f
mac mac.
Speaker 1 (33:25):
Yeah, there you go.
Speaker 5 (33:26):
Talk that's the most predominant mortgage where you're going to
get the best rates, programs, et cetera. Then from there
you start looking at the situation if you need to
branch out, look at different options. Like for us, we'll
do conventional VA. That's very popular anybody that is a
veteran or serve. That's a zero percent down loan program.
Speaker 3 (33:50):
It's just a.
Speaker 5 (33:50):
Great program first time home buyer like Weeda. As I
mentioned before. Then you have the other programs once you
get in the larger loan amount it's called jump jumbo
is anything over I'll just round it eight hundred and
thirty thousand, So that's different qualification.
Speaker 3 (34:08):
The housing rates are going up.
Speaker 1 (34:09):
Yeah, yeah, that's that's a first time home.
Speaker 5 (34:13):
It seems like a couple of years ago the jumbo
cap or or I was like about five hundred thousand.
Speaker 4 (34:21):
They just keep raising it.
Speaker 1 (34:23):
To get a jumbo to your your credit score has
got to be really good.
Speaker 5 (34:26):
Right, Yeah, they'll require a little bit more down on
the jumbo loan. And then we also have obviously new
construction with the renovation. Also, then we have our own
portfolio products. That's stuff that we do in house. So
when I talk to someone, is just getting some basic
information than just seeing which route we need to go,
(34:49):
because people will say, well, I've heard about this here.
Then I'll explain to them the difference why you should
look at this particular route. And it's kind of in
this industry too. Going back to the pre approval, there's
a lot of internet lenders out there's a lot of
careful Yeah.
Speaker 4 (35:08):
You don't know. They'll they'll shoot out.
Speaker 5 (35:10):
A pre approval or pre qualification and they don't even
have all the information in fact.
Speaker 1 (35:15):
Oh yeah, the stuff you get in the mail. Sometimes, Hey,
you're pre approved for a half a million dollar credit card.
All you do is call this number and and I
go to my wife, Hey, we're rich. They think I
can afford this, And she's like, just chop that up.
What are you doing?
Speaker 2 (35:30):
Well, yeah, look at what the interest rates are on
Oh yeah, you know, being a business owner, we get
that all the time. He us in new equipment. We'll
give you a great thing at eighteen point nine percent
interest or something like this.
Speaker 3 (35:40):
Loan shark is legalized. Loan sharking.
Speaker 1 (35:43):
If you get one of those from the McGivern agency,
just throw it away. Don't be doing that. I'll give
you something for an eighteen.
Speaker 3 (35:51):
I got that.
Speaker 2 (35:51):
I got an email from me. Yeah, as soon as
you give them my credit card, they go away.
Speaker 1 (35:54):
Yeah they do. Oh yeah, I bet they do. I
had no doubt. Hey, you had talked about to pay
for home renovations and looking on and I did some
research on your website. Home equity loan, home equity, line
of credit, renovation loan. There's a number of options for
people if they're looking to renovate rather than move, you know.
Speaker 3 (36:16):
Wait.
Speaker 1 (36:17):
During COVID, it seemed to me, like people decide made
a decision that they were going to either renovate or
add on. They wanted to stay in the neighborhood, they
liked the neighborhood, like the school system, didn't want to
move even though their their family was getting bigger. And
the amount of different ways for people to be able
to pay for home renovations through Johnson, you guys certainly
(36:41):
offer a number of different.
Speaker 2 (36:42):
That's what they take the same house that they had
as they try to buy a new house just like
their house. It costs way more than just remodeling this one.
And that's what that whole industry for us from covid on,
we'd just been busy because it's cheaper to rebuild remodel
your house and is to buy a new one.
Speaker 1 (36:58):
Yeah, a lot of different options for people and they
come to you on that, Kevin.
Speaker 4 (37:02):
Yeah, the.
Speaker 5 (37:04):
Biggest thing is we're just talking about let's say someone's
buying a home and they're just putting a small money
amount down and we want to do a bunch of renovations. Well,
obviously the value's not there. They buy it for four
hundred thousand, they put a little bit down, they got
to add one hundred thousand to it. So what we
have to do is get plans and specs from whatever
builder they're going through, and then we appraise it subject
(37:28):
to the completion. So now the value might be five
hundred thousand, then we can do a loan on it.
So or if someone has been in their home for
quite a while and they have quite a bit of equity,
then they'll just probably do a regular home equity or
helock through our retail side.
Speaker 1 (37:43):
Hey, before we get to a break, there are times
I would think over your career that this gets very
personal and if somebody can't get pre approved or qualifying,
it's somebody that you know and you're friends with or
you have been, you know, in their life for a while,
that's got to be a difficult part of to make
that phone call and say, look, I just can't make
(38:06):
this happen.
Speaker 5 (38:08):
Yeah, it's a little bit can be challenging with friends
and family when you're working with them. But I think
if I'm working with a friend or family, first thing,
I'll say, just as long as you're comfortable with me
knowing you're right financial situation, and you know most of
the time they are, then you know, some people just
(38:29):
don't want to work with somebody they know for whatever reason,
they don't want them involved in their finances, which is fine.
Speaker 1 (38:35):
Also, hey, like, I got one more question now before
we get to a break. How do we get young
people to understand how important because I didn't how understand
to understand how important to keep your credit score high is?
Because I just feel like nobody told us that when
we're seventeen eighteen years old, and then all of a sudden,
(38:55):
now we're twenty four to twenty five, wanted to buy
our first house and they're looking at our credit score
going or my credit score, not my wife. So in fact,
when we went to buy a car and first wasn't perfect,
and she was mad by that. By the way, she's like,
what do you mean? It's not perfect? But how can
we not? We should do a better job of telling
sixteen seventeen eighteen year olds how important it is when
they move on to the next chapter of their life.
Speaker 2 (39:18):
When they get they get a credit card. You see,
well you got a grace period. Well, might as I
use it? Right, they had overdraft protection. Oh great, I'm
gonna use that. Yeah, they use that stuff because it's
it's you know, and then banks are making their they're
making their cut on that one hundred dollars penalties and
all that stuff. I mean, just like all the money
that they're getting extra because of it.
Speaker 1 (39:37):
We gotta do a better job at telling high school
kids and college kids that, don't you.
Speaker 5 (39:40):
Think, Yeah, it'd be great if they had some type
of classes. I know they talk about different things, like
when my kids say, oh, I know, I'll write a
check out. They taught us that in high school.
Speaker 2 (39:53):
Yeah, sot the next generation. Yeah, it's just they're not
in cursive. How do you write out a check?
Speaker 3 (39:59):
Yeah?
Speaker 5 (40:00):
I agree with education, and like me as a parent,
that's obviously. I'm in an industry and I make it
a priority. And I've explained to them about credit and
credit scores.
Speaker 4 (40:10):
That's going to follow him their whole life.
Speaker 1 (40:12):
How many kids do you have too?
Speaker 5 (40:13):
Yeah, boys, girls, son, that's going to be twenty one
a couple of days junior in Whitewater finance business. But
he's not following my footsteps. They do something else. Daughter
graduated from Oshkosh in the medical field twenty two.
Speaker 1 (40:28):
So yeah, man, good for you, that's awesome. We're gonna
get to a break. He is Kevin Evanoff. He is
a senior mortgage loan officer for Johnson Financial Group. Go
to Johnson Financialgroup dot com. He's located in Wakesha And
are you in the office next week? Oh, yeah, he's
in the office next week. Any questions you have if
you're looking at twenty twenty six and look at home renovation,
(40:52):
or you want to buy a house, or you want
to move from your home to another one, you want
to look at a condo in Pewaukee like my wife
and I did. Kevin a great guy to ask questions,
to get the information, and he could walk you through
Johnson Financial Group and what their mission statement is and
what they do and how they go to business. And
he would be a guy you will get.
Speaker 3 (41:13):
Wanted to tell him in a week, But come on
Friday for the cookies.
Speaker 1 (41:15):
Yeah, Friday for the cookies.
Speaker 5 (41:16):
Cookies, and don't forget refinance and hopefully the rates will
start to go down.
Speaker 1 (41:20):
We're thinking that's gonna happen.
Speaker 4 (41:22):
Yes, we're thinking hoping.
Speaker 1 (41:23):
Yeah, we're hoping. This is the Creative Construction Wisconsin Home
Improvement Show on Fox Sports nine twenty and your iHeart
Radio app. Welcome back to the Creative Construction of Wisconsin
home improvement show on Fox Sports nine twenty and your
iHeart Radio app as always coming live from the Donovan
and Jorganson Heating and Cooling Studios. I Mike been given
(41:44):
alongside my co host. He's Bengo Emmons, the owner of
Creative Construction Wisconsin. Our special guest Kevin even Off Evan
off Man, I'm the horrible last name you start eleving.
He goes. Even my kids go with Evan Off. Nowadays
he's a senior mortgage loan officer for Johnson Financial.
Speaker 3 (42:03):
You don't find Mike mcgren.
Speaker 1 (42:05):
Yeah, thank you, Bingo Hymans, that's awesome. Kevin is located
at their their Waukeshaw branch Wakshell location. Been in this
business for over thirty years. During the break, you were
talking Kevin about some of the portfolio products that you
guys offer.
Speaker 5 (42:22):
Yeah, aside from the regulars say conventional type loans being
a bank that we can lend our own money out,
they call in house portfolio loans and a niche unique
loan that we do. It's for a doctor, physician, medical
professionals where we're gonna look at qualifying them with no
(42:44):
money down up to one we can go up to
one point two million. They don't have to have PMI
or mortgage insurance, which is great.
Speaker 3 (42:53):
Uh.
Speaker 5 (42:53):
And then we're a little bit more flexible in the
underwriting because a lot of times someone will say, oh, doctors,
they got tons of money, Well they got debt too,
a lot of debt, a lot of and not just doctors,
it's any type of physician. Then we also have heroes loans.
Those would be for people that are firefighters, please, nursus
first responders, responders, teachers that will give a discount on
(43:17):
the rate and cost. All veterans, Yes, veterans listening.
Speaker 3 (43:21):
I know he's here.
Speaker 2 (43:23):
She said, No, she's runs an r and you know
she's up. You know, did the whole West Point, did
the whole army thing. So yeah, so she would qualify.
Speaker 1 (43:31):
Yeah she maybe maybe she should get a loan. I
could borrow twenty bucks from her. Yep, yeah, she'll charge
me thirty the next day. Yeah, you know that whole Yeah.
The Evan's kind of you know the percentage of the
big they call it.
Speaker 2 (43:45):
Yeah, well, you know you from the you know Irish
mafia guys, I mean, you know how they do the loans.
Speaker 3 (43:50):
They're only forty.
Speaker 1 (43:51):
Forty five percent. If you don't pay on time, get
somebody to starts your car. That's what those boys say. Hey,
the the the portfolio products is something that that you're
really impressed with that that Johnson Financial Group has. And
I love the fact that, look we the VA part
is is a lot of people offer the VA loan.
But when you talk about the hero alone, you talk
about the doctor, you know that kind of stuff, I
(44:13):
think again sets you a little bit apart from the competition.
Speaker 4 (44:16):
Yeah, it certainly does.
Speaker 5 (44:18):
And i'd just give you just a quick example on
things that we do. A lady issue there were nowadays
obviously if you're a buyer, you're kind of in the
back seat. If you're a seller, you know you can
control the market. So they wanted to buy then sell later.
And they were looking at taking some money out of
an IRA and they're going to get hit with a penalty.
(44:39):
And she was a nurse practitioner. So I said, well,
let's look at the doctor loan, and so we did
the zero down. They bought the home, sold their home
a couple months later, so they didn't have any PMI,
they didn't get hit with any penalty, then we just
took that money and put it back down on the
mortgage and recast their payment to a lower amount. She's
a fan of your Oh yeah yeah, yeah, Well I
(45:01):
didn't get a Christmas card, but oh it's coming, it's coming.
Speaker 1 (45:04):
Yeah, it's coming. Yeah. Yeah, she's listening and she's sending
one out tomorrow, I'm telling you.
Speaker 5 (45:09):
But yeah, we'll just look at different creative ways to
do things. And that's the nice thing about our portfolio.
We could we can look at it and use some
common sense. Conventional sometimes has to be a little bit
more structured. But yeah, portfolio, we'll we'll look at that.
Speaker 1 (45:24):
Hey, man, I appreciate you coming in today. This was
really good information and and and thank you for taking
the time to come sit with us. He is Kevin
Evanoff or even Off. It's even Off. But if you
he'll listen to Evanoff for sure, Kevin Evanoff. He's senior
mortgage loan Officer Johnson Financial Group. Go to Johnson Financialgroup
dot com. Again, he's located his branches in Waukeshare or
(45:48):
Pewaukee area, But give him a call, go on that website,
take a look at watch a couple of the videos
I did, and this is a different animal what these
guys are doing for Johnson Financial Group. And he can
answer any of these questions. And if he can't, he
knows people there that can't. Kevin, it's good to meet you.
Speaker 5 (46:07):
Yeah, it was a pleasure being here. Was it on
my bucket list? But I'm glad I did it. There
you go, there, you go have my resume.
Speaker 1 (46:14):
Yeah, Happy New Year, Bengo. If you need bail money
come New Year's Eve, I'm your guy.
Speaker 3 (46:18):
All right, keep that in mind.
Speaker 1 (46:20):
Yeah, I'll just get a loan from Kevin to be
able to.
Speaker 4 (46:22):
Get you out. You got my cell number.
Speaker 1 (46:25):
I do have your cell numbers. Guys, Thanks for listening.
Happy New Year. This is the Creative Construction Wisconsin Home
improvement show on Fox Sports nine twenty and your iHeartRadio app.
Welcome into the Creative Construction Wisconsin Home improvement show on
Fox Sports nine twenty and your iHeartRadio app as always,
coming live from the Donovant and Jorgensen Heating and Cooling studios.
It's a perfect time to have them come out and
just do a maintenance program on that HVAC system. It's
going to get really cold again and you want to
(00:21):
make sure that your furnace is ready to go. Go
to Donovan Jorgenson dot com, my co host. He is
here and he told me right away he spoiled that
little one, that granddaughter for Christmas. It wasn't so much.
You don't I don't think right.
Speaker 2 (00:37):
Well, you know, I'm one of those people. I'm just
as surprised to see what she gets as she is.
Speaker 1 (00:42):
I take the little credit when the grandkids really like that.
Speaker 2 (00:45):
Yeah, And he said, man, I love this toy, thank you,
thank you.
Speaker 1 (00:49):
I picked it.
Speaker 3 (00:50):
I picked it up.
Speaker 1 (00:50):
Yeah, I picked I'm telling you, I've got to give credits.
Speaker 2 (00:54):
With all my kids though. It's all my kids. Whatever
they get, whatever they open up, I'm just as surprised
as the Yes. Yeah, I'm not allowed in. And you know,
even with all the can you know she has certain
rooms I'm not allowed to go in anymore. But now
we're done with the holidays, now I can.
Speaker 3 (01:07):
I can look at stuff back and yeah.
Speaker 2 (01:09):
She's like, no, that door shut is locked. Don't quite,
there's no reason for you to go in there. Well, now,
you know, as soon as you say that, now I
want to go in.
Speaker 1 (01:15):
I want to go and see, I got to give
credit to my wife, Terry. I got to She works
so hard and she never wants that day to end.
The nice thing this year is we're going to be
out at her sister's in Hartford today.
Speaker 3 (01:30):
Later on she'll still doing Christmas, still.
Speaker 1 (01:32):
Doing Christmas, yep. And she's normally she gets a little
bit depressed Christmas night when all the grandkids and our
kids go home, And this year not so much because
she knew another one's coming and this afternoon will be
out in Hartford and celebrating with the entire Paplinsky plant.
Speaker 2 (01:50):
Well you know, you know Univer see like Debbie's you know,
she always like talks about the weather all the time. Yeah,
so that's why I got it for Christmas, one of
those weather station things.
Speaker 1 (01:57):
Yeah.
Speaker 2 (01:58):
So that ruined my whole day yesterday, just on a
build this thing at a manual on it for my truck?
Isn't a stick? Is this thing?
Speaker 3 (02:06):
I was really busy all day yesterday.
Speaker 1 (02:08):
You know what, this year, I got very personal with
the gifts, right. I got her an ornament with the
other grandkids' names, and I had a song did done for.
I did just some stuff that was kind of personal
for us, and and I think I did well this year.
I think, I don't know, we'll see My son in
law when he listened to the song I had made for,
he said, that's like a get out of jail free
(02:29):
card for like a year for you. I go, yeah, yeah,
I can mess up a couple of times. You start
playing the song, and I think they'll be all right.
Speaker 3 (02:35):
I was gonna say.
Speaker 2 (02:36):
On a construction site of our company, Sam wrote that
she did you know, twins night before christ that thing. Man,
I got a lot of people talking about that. That
was a great job that she did it.
Speaker 1 (02:45):
Yeah, she's so talented. She just really is. Hey, I'm
excited about today's show. I'm going to ask a lot
of questions I don't know a whole lot about, so
it'll be perfect. Other than this boy being a Cuba
city grat which you know, the mighty Cubans. I got
a chance to coach against some one time. I did
get a win, so it was okay, the all time
winning his coach in the history. He's the goat in
(03:07):
the state of Wisconsin high school of basketball. Jerry Pettig,
you recently passed away and it certainly Uh, prayers for
Joan and Mark and the entire Pedigue clan. But joining
us from Johnson Financial Group, he's Kevin evan Off. Kevin,
how you been.
Speaker 4 (03:24):
Oh pretty good?
Speaker 1 (03:26):
Yeah, merry Christmas. You had a good Christmas, great Christmas. Yeah,
you get back, you get back to you. Oh, good
yours too. You get back to Cuba City very often.
Speaker 5 (03:35):
Uh, my dad passed away three years ago. My mom moves,
so haven't been back there for a little while, but.
Speaker 1 (03:41):
Good, good memories from that. What a beautiful part of
the state of Wisconsin. If you've not been to that area,
and I've been there a number of times, it's just
a really beautiful part of our state. It really is.
I Jerry coach Pettig, You and I got along pretty
well for the most part. There's a couple of bumps
in the road there, but you know, what he is.
(04:04):
He was a guy that just would reach out and
ask how the grandkids are, how's the family. Do you
miss coach and stuff like that. I miss having conversations
with him.
Speaker 4 (04:14):
Yeah, definitely a legend.
Speaker 1 (04:15):
Yeah, one hundred percent.
Speaker 4 (04:16):
Basketball is that's the king in Cuba City.
Speaker 1 (04:19):
Boys and girls, boys and girls, Yeah, one hundred percent,
no doubt. Hey, how long have you been? I know
it's relatively new, but how long have you been with
Johnson Financial Group?
Speaker 4 (04:28):
Five months now?
Speaker 3 (04:29):
Man?
Speaker 1 (04:29):
And where were you? Where were you before that?
Speaker 5 (04:31):
Oh?
Speaker 4 (04:32):
I've been doing this forever. Gonna uh.
Speaker 5 (04:34):
Graduated, got in the finance business, and then I got
in the mortgage world in nineteen ninety three. Was a
mortgage broker, went through many years on my own company
for quite a while the two thousand and eight. In
two thousand and nine, time came along.
Speaker 1 (04:50):
Ouch ouch, I've put a lot of boys like you
out of business, didn't Yeah.
Speaker 5 (04:57):
Well, I struggled along until twenty thirteen. Decided to sell
my small broker business and then work for several mortgage
companies and had the opportunity about five months ago to
come to Johnson. Talked to my regional manager for like
three months back and forth, and you know what it
is you talk to someone you know they drink in
(05:18):
the kool aid? Is it really this good and a
great decision? One of the best decisions I made in
my career.
Speaker 1 (05:25):
Man, good for you. So reading a little bit about
Johnson Financial, what I really liked was a quote that
Helen Johnson Leopold, who is the chairman of the Financial Group,
when she said, founded by my father Sam Johnson, her
company represents some balance of tradition and change. Each generation
has to bring something new to the enterprise. Knowing what
(05:48):
to change and what not to change is the key.
And I read that a couple of times, and that's
so smart for me today as I'm reading that. Look,
she understands the tradition that her dad when he started
this company, but she understands that, you know, you you
have to bring when new generation takes over, you have
(06:08):
to know what to change and what not to change.
And I think that is really smart to put on
the website.
Speaker 5 (06:14):
Yeah, I think that's for anybody that's in this industry.
It's constantly changing. You know, technology has changed how you
do things have changed, social media has changed everything. But
I think the biggest thing that they have and I
try to do myself is personal service is that's one
(06:36):
of the neat things about this company. They are the
largest private bank in the state. They are, you know,
big corporation, but not too big. And everybody there they
you call, you have a question, they reach out responsive
customer service. If a customer has a complaint, we're gonna
(06:56):
we're gonna look into it, We're going to find out
what the problem is. Well, yeah, that's the biggest thing
is changing with the industry, but just keeping that personal
service going. And I know people talk about that all time,
but really they are true to that work.
Speaker 1 (07:12):
Well, when in nineteen seventy when Sam Johnson, who you know,
he owned one of the largest privately owned companies in
the world, S. C. Johnson, recognized the need for a
different kind of bank. And when I'm reading this on
the website and I watched these videos of not only
Sam but his daughter then talking about taking over, when
(07:35):
he talks about unmatched personal service and commitment to our communities.
When you're somebody who grew up in the Recine area
and started one of again one of the largest, most
successful privately owned companies in the world, when you're looking
at at a bank, you're looking at the community side
of it, and you understand the commitment that it takes
(07:58):
to be a really good value to the community. And
I thought, man, what a different set of eyes of
somebody opening a bank.
Speaker 5 (08:07):
Yeah, I don't know the whole history, but no, but
I can talk to you about it because I've been
on your website getting ready for this show to the
orientation then, and yeah, it was pretty cool listening to
the history and what Obviously the sc Johnson started back
in I think eighteen eighties and then in nineteen seventy
decided we're going to have a bank.
Speaker 4 (08:29):
And don't quote me on.
Speaker 5 (08:32):
My story, but I think it was just a small
bank outside of Yeah, just like a rural place, and
somebody the story was like, what are you going to
put a bank here for? No one's going to show up?
And then it just gonna a roll evoll from.
Speaker 4 (08:47):
There it did.
Speaker 1 (08:48):
And on the website when when when I'm reading the
four keys to the pillars of of how this bank
has been so successful and you look at compassion, customer, consistency,
and community, when the first one is compassion, and they
write this, Look, they're not running from this because it's
right there on the website. We operate with the highest
(09:10):
ethics and integrity while treating all people with empathy and respect. Look,
you don't get that everywhere you go, right when when
you're when when you need that. I can tell you
my personal story. We we're going to buy our first house,
my wife and I. This is years ago, and my
sister sold some real estate and she said, you should
(09:31):
go with this company to get your mortgage. And I
was told the night before they were gonna they were
gonna turn us down for for this loant. And I
was really not I didn't even tell Terry. I went
to a softball game that night. A friend of my
sister was playing and his uncle was there, Uncle Pete,
(09:52):
and Pete was like, my age right, And Pete was like, Mac,
what's going on? You're so quiet. I said, I got
some bad news. I haven't told you. He said what's
going on? And I told him. He goes, mag do
you know what I do? And I go no. He goes,
I'm the head mortgage person for this bank. Have they
turned you down yet? And I said no, They're going
to do it tomorrow at ten o'clock. And he said
(10:15):
call him at nine and pull it. He said, you
want a loan and I go yeah. He goes, are
you going to pay it back on time?
Speaker 4 (10:20):
I go yeah.
Speaker 1 (10:21):
He goes, okay, you got it, and I go, wait
what he said back, This is what I do. And
you just can't have this on your record that they
turned it down. So as soon as they open tomorrow morning,
whether you drive there or call her, tell her to
pull it and then you come see me. And he
came and helped us move in. And I kept calling
(10:42):
at the house that Uncle Pete built because that decision
to go to that softball game that night, and he
did all the paperwork, and I explained to him why
they were going to turn us down, and he said,
I can look past that because I know you and
I know where you're going to live, and I trust
that you and your wife will pay us back. And
it's like boom, And I don't think that can happen nowadays.
Speaker 4 (11:03):
No, No, there's no handshakes.
Speaker 1 (11:04):
No handshakes. But uncle Pete. Now I'm not giving this lesson.
But Uncle Pete, I still love him. I gotta be honest.
Speaker 2 (11:11):
I thought the story was gonna be like, so you
went to the alley and paid a fifty.
Speaker 1 (11:16):
Yeah it's only forty five with the Irish voice. Yeah,
I can tell you that. But I thank God back
then with the handshake and the and the nod. And
we made sure, I can tell you this, we made
sure that we were never even close to being laid
at anything with him, because that week was watching Uncle
Pete was watching every month. I've got to believe that
(11:38):
he was. But the compassion side of it, that's what
I thought of as soon as I read that on
on the website. What what do you think now that
you've been through this for five months? Excuse me? What
do you think the difference is between Johnson Financial and
some of the other companies out there.
Speaker 5 (11:55):
I think a lot of the words you're just saying,
they actually live it it. You know we operate that way.
Is it was kind of just a quick story. I
had a customer that I dealt with and they actually
did their last loan through somebody else.
Speaker 4 (12:12):
Oh well happens.
Speaker 5 (12:14):
And I reached out to her and she sent an
email back because I you know, I'm switching companies. Well,
I had my mortgage there and there was Escrows. If
you ever had Escrows, that that's just kind of a
mystery sometimes where that works each year. And they had
an issue with the Escrows, so I think I was
there for like a week, so I just reached out
(12:36):
to my boss about it. He reached out to his boss.
Then they got the servicing evolved and resolved it and
came back to her and then I told her, well,
if you want to refinance, we'll reduce costs and fees
stuff like that. So it was kind of neat. It
went from me to him to her within like a
day while and they jumped on it, so that you know,
(12:57):
it's just really customer service. And and what what we
I gotta say, what we say right now is do
they yes, but we make it happen.
Speaker 1 (13:08):
And what what location are you? What?
Speaker 5 (13:10):
What's your your main location? Personally, I've been walking shop.
I say, Pewaukee is off of one sixty four. Okay,
you know it's kind of Firehouse of Pewaukee's right across
the street, but it has a walker show yeah address, yeah.
Speaker 1 (13:23):
Yeah, I just moved to Pelwaukee a couple of years ago.
So the village of Pewaukee. Yeah, you know where the
Costco is? Oh yeah, right in that neighborhood. All right, right,
a little condo right there.
Speaker 4 (13:34):
So that cookies on Fridays.
Speaker 3 (13:35):
So I'll see you vouch for that because I had
their cookies.
Speaker 1 (13:39):
It was good because you didn't bring any in for me.
Speaker 3 (13:43):
No, I thought he was gonna bring cookies.
Speaker 1 (13:44):
Well you wanted to bring samples of the bank, And well,
you know what, the next time we're gonna we're gonna
have to make sure that, you know, we we bring
Helen then or somebody that can get us into the bank. Maybe, uh,
maybe the CEO, Jim Pop can get us any I'm
sure he can get us in and get some samples.
Speaker 5 (14:02):
Right, yeah, yeah, I actually mentioned Jim pop is. I
met him once and boy, I was impressed. It's a
great guy. And when we had our orientation down there,
they had all the leaders come in and talk to
you and and uh, you know you don't get that
in a lot of these places, is the leaders, the
people in upper management. They're just kind of like, okay, well,
(14:25):
I'll just hi. How you doing another quick story too,
because obviously we'll get into that. We have different divisions. Uh,
the wealth manager president of that I shot him an email.
My son's was applying for internships, and I just kind
of wanted to introduce myself. He responded back with it
a couple hours.
Speaker 1 (14:44):
So it just that's different than some of the look
I had. I had misplaced my my charge card and
it was it was a bad week, a couple of
weeks ago. No, I didn't you know what you remember
because my email got and so I'm taking sure of that.
This is just a couple weeks ago. And I was
(15:05):
having lunch with a client out in Iguanago and I
just pulled in and my phone starts blowing up, Hey
did you send this? Did you? Because you don't ever
send anything via dropbox? And I'm like, no, I didn't
send anything, and my email got hacked. So I'm dealing
with that. And I left my charge card and I
didn't look for my charge card for two days. Then
(15:27):
I went to pay something. I didn't have it. So
I called my bank, and you know, nine to nine
o'clock in the morning, they said you got to call
this number at a corporate and I have to be
honest with you. I couldn't understand anything the woman was saying,
and I was really crabby. I was very crabby, and
I said, look, I cannot understand a word you're saying.
(15:48):
Can I talk to somebody else? Then she started talking
much louder and really slow, and now I could figure
it out, and we stopped that card. I called the
restaurant and they weren't even open, and the woman answered, hey, mcgiffern,
I have your card, and I said, I just put
a stop to it. I said, just chop it up.
I'm going to be getting a new one. But it took.
(16:10):
It was very frustrating how long that took. The fact
that you're telling me that you know, Jim Popu, you
know CFO of your company responds quickly or will help.
I just think that that's that makes it different than
the company that I bank with.
Speaker 5 (16:28):
Oh yeah, I've reached out to several individuals in different
divisions higher up, just even introduce myself when I got there. Yeah,
they all respond back. And the branch where I'm at,
it's not just the retail side. There is a wealth
management commercial, a lot of different people in there, and
(16:48):
it's it's just been great.
Speaker 2 (16:50):
And but you know, when you develop it, you know,
you just want to develop a relationship, and that's what's
always nice. You know, you want to when you deal
with a contract name with Bangler. Uh, you want to
do relationships. We had a thing there for one of
his along a Demlin group as a group that meets
once a month. Anyways, I walked in with John Attley
(17:11):
and he thought I was like Cheers episode girl saying
Hi John, Hi John, Hi John. I mean they know him? Yes,
I said, obviously you bank here. He says, what gave
you that idea? Because I mean they're all, you know,
calling him by name, so I know who he is.
So I thought that was cool.
Speaker 1 (17:23):
Yeah, that that's that is different as well.
Speaker 5 (17:26):
Yeah, you don't get the bank traffic as you used
to years back. But when people come in there, it's
like they're like, Hi, how you doing at the first names.
Speaker 1 (17:35):
You know Kevin. At the other radio stations I worked at,
I was one and it was a big corporation. I
was one of like ten people all over the country
still got a pay per check and the only one
at this location at these other stations, and they came
to me and said, look, you have to now get
direct deposit, and they said I'd prefer not to, And
they go, why it's so much easier? Do you know that?
(17:59):
My first first real job. I worked at IHOF when
I was fourteen and fifteen turned sixteen got a job
at Cole's food store that my dad made me get
a job there. And every week that I got a check,
I had to come home and show it to him
and he would say, now, when you go back to work,
thank somebody in that building for allowing you to work there.
(18:20):
And I'd be like, and he'd say, I want to
know who you think the bakery manager, the produce manager, right,
and he's been gone for a really long time. But
every time I got a payper check, it made me
think of him again. Sure, and they said, you know what,
keep getting a paper check if that's why you get it,
and I go, yeah, it's a hassle. I still have
(18:40):
to go to the bank now I have to do
all that. But this makes me and I don't think
of him as often as I used to. But getting
this check, that's why I do it. And they said,
do it. Just keep getting it and don't worry about it.
So that's you know, I'm in the bank every week
or every two weeks with a paper check, and all
my buddies, you know, I got to wait three extra
days because it comes in right, yes, and I said
(19:02):
I don't care. I want to be able to do
that and they allowed that. Hey Kevin, really quickly before
we get to a break. This industry that you've been
involved with for a long time, a lot of changes,
but I think mostly for the good, right.
Speaker 5 (19:18):
Yes, yeah, after that two thousand and eight, Yeah, the
Wild Wild West.
Speaker 1 (19:23):
You're still in the fetal position over that one, and yeah,
I trust me a lot of people are. But since then,
I think it's changed for the good.
Speaker 4 (19:30):
Right, Yes, it has.
Speaker 5 (19:33):
The quality of loans that are put on the books
now are so much better than what it used to be.
We don't need to go back into the why that happened.
Speaker 4 (19:43):
There was a lot of variable.
Speaker 1 (19:44):
Well, there's a lot of movies out there for that.
Have you watched all those?
Speaker 4 (19:47):
Yeah?
Speaker 5 (19:48):
I kind of shook my head a little bit watching
the movie Going. I don't know that's completely right, but whatever.
Speaker 1 (19:54):
But yeah, some of its theater, but a lot of
it I thought from people that have in your industry,
some of that was true. There were some people that
made a whole lot of money while other people lost everything.
Speaker 5 (20:07):
Yeah, there was the thing without going to everything, just
certain things. It's like if you breathe you got a loan.
And if someone came to me and I just said, no,
you shouldn't do this right here, know, and I could
qualify him, but there's like you can't afford this, and
they just go down the street and someone else give
(20:27):
him a loan.
Speaker 1 (20:28):
Hey, we're going to get to a break. Other side
of the break, I'm going to tee you up for
the best. What are the best available mortgage options for
people nowadays, whether it's USDA loan or conventional loan, VA loan,
things like that. Let's talk about that on the other
side of the break. He is Kevin Evanoff. He is
a senior mortgage loan officer for Johnson Financial You can
(20:52):
go to Johnson Financialgroup dot com Johnson Financialgroup dot com
for more information out of this company. If you want
to with Kevin, he's in there Wakeshaw. It's Peewaukee, but
we'll say Waukeshaw because that's what the address is. And
he can he can walk you through in any questions
you have. And if it's not his department, he's got
(21:13):
people there that can help you with a lot of
different areas through Johnson Financial Group. This is the Creative
Construction of Wisconsin Home Improvement show on Fox Sports ninety
twenty and your iHeart Radio App. Welcome back to the
Creative Construction of Wisconsin Home Improvement Show on Fox Sports
nine twenty and your iHeart Radio App.
Speaker 3 (21:33):
So you know you were saying, is so we're gonna
be all done with that music. I got to go
back to head banging music.
Speaker 1 (21:38):
Yeah, we gotta go back to Spencer stuff, Jackson five
and the Osman.
Speaker 3 (21:42):
Okay, you know that kind of stuff.
Speaker 1 (21:44):
Yeah, coming, We're coming live from the Donovan and Jorgans
and Heating and Cooling studios. They love that music. We
play guys at Donavan, Georgia.
Speaker 3 (21:52):
This is the last week you're getting in.
Speaker 1 (21:54):
Yeah, we'll see maybe I can.
Speaker 2 (21:55):
It's like Christmas tree, how long? How long do you
play music? How long do you leave your Christmas tree
up for?
Speaker 3 (22:00):
Uh?
Speaker 1 (22:00):
If my wife would like to leave it up till
like Valentine's Day, But we know it's exact.
Speaker 3 (22:06):
I believe all your every letter Oh yeah.
Speaker 1 (22:08):
Yeah, yeah idea And that's that was.
Speaker 2 (22:09):
One of those people like you know, it's like the
weekend after the New Year's no matter what, it's got
to come down got to come down. And then she
starts looking at people. They got the lights up. You
gotta let your lights up in the beginning of February.
She looks at you with a dirty looker. Or you
guys are ones responsible for making winter last long.
Speaker 1 (22:24):
Our hoa, people will come knocking on our door going, hey,
you gotta take that. You got to take that stuff down.
Our special in studio guest. He's a senior mortgage loan
officer for Johnson Financial Group. He's Kevin Evanoff. Hey, before
we get into different mortgages. During the break, you were
talking a little bit about Johnson Financial Is it Johnson Bank?
(22:46):
Is it Johnson Financial Group? And and uh, people still
think it's it's Johnson Bank, and and they say, is
that the same same company?
Speaker 5 (22:55):
Yeah, there's a little bit of confusion there because, uh,
internally we say jfgky Johnson Financial Group. But yes, Johnson Bank.
I'll say Johnson Bank if someone kind of looks at me.
Kind of strange, but yeah, most people go by Johnson Bank.
But I think it was in like twenty nineteen they
(23:16):
changed it to Johnson Financial Group becacause they offer more. Yeah,
they're just not a retail bank. They've got obviously the
mortgage side of it, retail banking side of it, private banking,
business banking, treasury department, commercial department, wealth management, so a
(23:37):
little bit of everything.
Speaker 4 (23:38):
And that's one of the nice things.
Speaker 5 (23:40):
And when I was thinking about going there is how
they network together is if I have a customer comes
to me, I have all these other resources I'm going
to talk to them about also, and vice versa if
they have customers coming in. And one of the nice
things about uh working there, if you ask me fifteen
(24:03):
years ago if I ever worked for a bank, I'm
not going to work for a bank. But they don't
run it like a bank. The mortgage division runs it
as a true mortgage division that has the bank backing,
which is really really nice.
Speaker 1 (24:16):
That makes it That sets it apart a little bit too,
doesn't that.
Speaker 3 (24:21):
Oh yeah, yeah.
Speaker 5 (24:22):
If I when I have customers come to me, I'm
going to mention about our retail banking and things that
we offer there. If I see they may have a need.
That's say they're a business owner. I said, well, you
talk to dating about private banking, you know, wealth management
the same. So it's it's kind of nice because that's
one of the big things. Again, what they want to
(24:43):
do is they want to have a customer come in,
let's talk about all our services.
Speaker 1 (24:47):
Hey, how does that work if I'm if I'm a
customer of yours, right, But yet I want to look
at some of the other opportunities through Johnson Financial, whether
it's for the to give an agency or it's something
outside of a mortgage. Am I still are you still
my point person?
Speaker 5 (25:08):
I'll be the point person. Then I'll find the person
you need to talk to. If they don't, they're not
the right person, They'll find the person. And I just
actually recently just had a customer wanted to set up
a business account personal account, and I emailed the branch
manager said I'll be the starting point for that person.
And they came in and I met with them, and you.
Speaker 1 (25:30):
Know, so what's kind of nice for somebody like me
is then I'm building my team right that I have.
So if you're not available, just I.
Speaker 3 (25:38):
Just have someone to call and talk to. Yeah, that's
the problem.
Speaker 2 (25:41):
That's a probably a lot of you know, they don't
have it, you know, so doesn't mean definitely let you
handle them that at least I got something you can
call and talk to Yeah.
Speaker 1 (25:47):
The tough part for what happened to me a few
weeks ago is when I called the people that I know,
they said, we I can't help you got to go.
You got to go to this corporate and then they
sent me somewhere else. And it when when when you're
when you're as frustrated as I was that day to
finally get somebody on the phone and for that person
(26:08):
to go, Ah, they sent you to the wrong person.
I'm gonna have to send you somewhere else. Why don't
you call this number? And then to be able to
to get out hold of somebody that I've never met,
that that I couldn't understand, and I'm in I'm in
the fetal position at this point because I I don't
know where my card is.
Speaker 4 (26:27):
Oh yeah, I'm gonna be involved in it.
Speaker 5 (26:28):
If I refer you to somebody, I want to know
that you talk to that person they helped you. I
want to be in that correspondence and I'll follow up also,
so it's not just I'm just gonna hand you off
and forget about you and you just don't see that.
We're not going to say push this button, that button,
and then you'll get cut off on customer service and
(26:49):
have to redial and start again, so no people will
pick up the phone, they'll talk to you. And yeah,
it's all about uh referring internally. And actually we meet
once a month and we the private banker, the business,
the retail We talk about internal referrals and customers and
well how to go with that particular person. So yeah,
(27:09):
that's the thing that's really nice.
Speaker 1 (27:10):
Yeah, that's great. Before I ask you about available mortgage options,
I got a text about how much money somebody should
put down. And a friend of mine's son is mine
his first house and they're gonna do a USDA loan
and wondering if there's He says, he's got a pretty
good credit score. I would I have known this kid
(27:33):
since he was a newborn, and I don't know about that,
but my buddy said, look pretty pretty high credit score.
Is there a percentage that you would recommend that they
put down?
Speaker 5 (27:43):
Well, USD AID loans or rural housing those you can
do no money down, but you have to be in
certain areas, there's certain income population size. So I don't
know if that would be the best loan for them.
If someone came to me, fah, loan f aj WEEDA
(28:06):
Wisconsin Housing Authority, that's a great first time home buyer program.
Speaker 4 (28:10):
You can do his a little three down.
Speaker 5 (28:12):
But then they have a thing called easy Clothes where
you can do no money down. So there's other options.
Not saying the USDA is the not the right choice,
but that we look at other things.
Speaker 1 (28:24):
Okay, good, I hope Uh yeah, I hope he's listening
right now. If not, I'll send him a copy of
it and if he's got questions he can call you.
Speaker 4 (28:33):
Yep.
Speaker 1 (28:33):
Is that okay? With that? On a on a let's
say a conventional loan or.
Speaker 2 (28:38):
That's a good point. Not every loan is for you.
It's every different needs different They need different things. And
that's great that. I mean, as soon as you said,
well this guy's get a loan, here is going to
get it. The first thing he said is well you
might want to go another road.
Speaker 1 (28:51):
You might want to go another round round. Yeah.
Speaker 2 (28:53):
Well that's the kind of person you need for looking
at looking over your shoulder for you.
Speaker 1 (28:57):
Is there a percent down that that you would recommend it?
If somebody has the finances, do you recommend if they
can do fifteen percent or twenty? Is that too high.
Speaker 4 (29:07):
No, we'll look at the options.
Speaker 5 (29:09):
Just I'll use an example, if someone calls up looking
to buy a home, I'll just have a short conversation
with them where they're looking at single family, duplex, condo
obviously if they've never bought a home before, I'll kind
of explain things. We look at their credit, down payment, income.
One of the big things nowadays is well credits always
(29:30):
credit credit scores. But income is it variable? Is it
hourly commission bonus, self employed? We have to put that
put that all in there. But like conventional lending, you
can do as little as three percent down. I'll say
you're looking to do a minimum down or what are
you thinking. Sometimes people will come back and say, oh,
(29:51):
I don't want to pay PMI private mortgage insurance, and
they don't really realize that Zach, Yeah, yeah, exactly, I
want to No, I don't want to pay PMI. But
if you have a good credit, the PMI cost is
not that expensive. So what you have to do is
show people what the cost is and okay, well, then
(30:13):
the other option is just continue saving. As home prices
go up, so most people when they buy, once they
see the real cost the PMI, they understand it, and
it makes sense.
Speaker 1 (30:24):
When when you had your own company, would you work
through companies like Johnson Financial or how were you doing that?
Speaker 5 (30:32):
That was kind of a different world. As a broker,
you're kind of the person in the middle, and you
didn't do any It wasn't your money, it wasn't your underwriting,
it wasn't your funding, wasn't your closing. So certain companies
dealt with brokers, and certain companies did not deal with brokers.
(30:52):
So so let's say s. E. Johnson or Johnson a
financial group, they would have to want to deal with brokers,
and I have a separate division that dealt oh, I say, okay,
So it's not as if we did a loan and
send it through the regular retail. They would have to
have a specific division they handle the broker side.
Speaker 1 (31:12):
Hey, when people ask you about different mortgage options and
which one's the best for me, what information do you
need from people if it's let's just utilize a thirty
year old couple been married a couple of years.
Speaker 2 (31:26):
Another thing that people don't realize is before you go
buy a house, you should go to a bank first,
because otherwise you can't even make an offer to purchase.
Speaker 1 (31:34):
Yeah, you've got to have until you get pre approved.
Speaker 2 (31:38):
I mean, you need to get approved again. Just say
I'm gonna go look at a house. You need to
go talk to a bank first. You can't just go.
Speaker 4 (31:43):
You can't just how do you know what you're even going?
Speaker 3 (31:45):
Right?
Speaker 2 (31:45):
Look at qual Everybody finds out out the hard way,
especially first time. Like I said, you said, I need
a bank from your letter, you know, a letter from
your bank, and you're.
Speaker 1 (31:57):
Like, yeah, what letter?
Speaker 3 (31:58):
What bank?
Speaker 1 (31:59):
Ken? Indeed, I heard this like a couple of weeks ago,
and I was shocked by that that that first time.
The age of first time first time home buyers is
increased to somewhere like thirty two thirty three years old,
and look meager. Growing up twenty two to twenty three
is kind of when you started thinking, Okay, I want
to quit paying rent and I want to have, you know,
(32:22):
I want to own something. It seems to be getting
older and older when people can can afford their first home.
Speaker 5 (32:30):
Yeah, I think it's just a lot of prices, interest rates. Actually,
it's interesting you brought that up. A couple months ago.
I did a loan for young lady, and I think
she was twenty three, first time over for her twenty
percent down. Boy, she had a down.
Speaker 4 (32:48):
She's smart saving. Yeah, yeah, it was like wow.
Speaker 1 (32:51):
You know what, her parents did a really nice job
with that. For sure. With all the different available mortgage options,
is there one or two that you think are your
go to that you think let's just utilize. A first
time couple been married a couple of years in their
you know, early thirties or late twenties, what do you
(33:14):
go to as far as mortgage options for them?
Speaker 5 (33:17):
Well, you start out with conventional That's what the conventional
is that you've ever heard the terminology Fanny may f
mac mac.
Speaker 1 (33:25):
Yeah, there you go.
Speaker 5 (33:26):
Talk that's the most predominant mortgage where you're going to
get the best rates, programs, et cetera. Then from there
you start looking at the situation if you need to
branch out, look at different options. Like for us, we'll
do conventional VA. That's very popular anybody that is a
veteran or serve. That's a zero percent down loan program.
Speaker 3 (33:50):
It's just a.
Speaker 5 (33:50):
Great program first time home buyer like Weeda. As I
mentioned before. Then you have the other programs once you
get in the larger loan amount it's called jump jumbo
is anything over I'll just round it eight hundred and
thirty thousand, So that's different qualification.
Speaker 3 (34:08):
The housing rates are going up.
Speaker 1 (34:09):
Yeah, yeah, that's that's a first time home.
Speaker 5 (34:13):
It seems like a couple of years ago the jumbo
cap or or I was like about five hundred thousand.
Speaker 4 (34:21):
They just keep raising it.
Speaker 1 (34:23):
To get a jumbo to your your credit score has
got to be really good.
Speaker 5 (34:26):
Right, Yeah, they'll require a little bit more down on
the jumbo loan. And then we also have obviously new
construction with the renovation. Also, then we have our own
portfolio products. That's stuff that we do in house. So
when I talk to someone, is just getting some basic
information than just seeing which route we need to go,
(34:49):
because people will say, well, I've heard about this here.
Then I'll explain to them the difference why you should
look at this particular route. And it's kind of in
this industry too. Going back to the pre approval, there's
a lot of internet lenders out there's a lot of
careful Yeah.
Speaker 4 (35:08):
You don't know. They'll they'll shoot out.
Speaker 5 (35:10):
A pre approval or pre qualification and they don't even
have all the information in fact.
Speaker 1 (35:15):
Oh yeah, the stuff you get in the mail. Sometimes, Hey,
you're pre approved for a half a million dollar credit card.
All you do is call this number and and I
go to my wife, Hey, we're rich. They think I
can afford this, And she's like, just chop that up.
What are you doing?
Speaker 2 (35:30):
Well, yeah, look at what the interest rates are on
Oh yeah, you know, being a business owner, we get
that all the time. He us in new equipment. We'll
give you a great thing at eighteen point nine percent
interest or something like this.
Speaker 3 (35:40):
Loan shark is legalized. Loan sharking.
Speaker 1 (35:43):
If you get one of those from the McGivern agency,
just throw it away. Don't be doing that. I'll give
you something for an eighteen.
Speaker 3 (35:51):
I got that.
Speaker 2 (35:51):
I got an email from me. Yeah, as soon as
you give them my credit card, they go away.
Speaker 1 (35:54):
Yeah they do. Oh yeah, I bet they do. I
had no doubt. Hey, you had talked about to pay
for home renovations and looking on and I did some
research on your website. Home equity loan, home equity, line
of credit, renovation loan. There's a number of options for
people if they're looking to renovate rather than move, you know.
Speaker 3 (36:16):
Wait.
Speaker 1 (36:17):
During COVID, it seemed to me, like people decide made
a decision that they were going to either renovate or
add on. They wanted to stay in the neighborhood, they
liked the neighborhood, like the school system, didn't want to
move even though their their family was getting bigger. And
the amount of different ways for people to be able
to pay for home renovations through Johnson, you guys certainly
(36:41):
offer a number of different.
Speaker 2 (36:42):
That's what they take the same house that they had
as they try to buy a new house just like
their house. It costs way more than just remodeling this one.
And that's what that whole industry for us from covid on,
we'd just been busy because it's cheaper to rebuild remodel
your house and is to buy a new one.
Speaker 1 (36:58):
Yeah, a lot of different options for people and they
come to you on that, Kevin.
Speaker 4 (37:02):
Yeah, the.
Speaker 5 (37:04):
Biggest thing is we're just talking about let's say someone's
buying a home and they're just putting a small money
amount down and we want to do a bunch of renovations. Well,
obviously the value's not there. They buy it for four
hundred thousand, they put a little bit down, they got
to add one hundred thousand to it. So what we
have to do is get plans and specs from whatever
builder they're going through, and then we appraise it subject
(37:28):
to the completion. So now the value might be five
hundred thousand, then we can do a loan on it.
So or if someone has been in their home for
quite a while and they have quite a bit of equity,
then they'll just probably do a regular home equity or
helock through our retail side.
Speaker 1 (37:43):
Hey, before we get to a break, there are times
I would think over your career that this gets very
personal and if somebody can't get pre approved or qualifying,
it's somebody that you know and you're friends with or
you have been, you know, in their life for a while,
that's got to be a difficult part of to make
that phone call and say, look, I just can't make
(38:06):
this happen.
Speaker 5 (38:08):
Yeah, it's a little bit can be challenging with friends
and family when you're working with them. But I think
if I'm working with a friend or family, first thing,
I'll say, just as long as you're comfortable with me
knowing you're right financial situation, and you know most of
the time they are, then you know, some people just
(38:29):
don't want to work with somebody they know for whatever reason,
they don't want them involved in their finances, which is fine.
Speaker 1 (38:35):
Also, hey, like, I got one more question now before
we get to a break. How do we get young
people to understand how important because I didn't how understand
to understand how important to keep your credit score high is?
Because I just feel like nobody told us that when
we're seventeen eighteen years old, and then all of a sudden,
(38:55):
now we're twenty four to twenty five, wanted to buy
our first house and they're looking at our credit score
going or my credit score, not my wife. So in fact,
when we went to buy a car and first wasn't perfect,
and she was mad by that. By the way, she's like,
what do you mean? It's not perfect? But how can
we not? We should do a better job of telling
sixteen seventeen eighteen year olds how important it is when
they move on to the next chapter of their life.
Speaker 2 (39:18):
When they get they get a credit card. You see,
well you got a grace period. Well, might as I
use it? Right, they had overdraft protection. Oh great, I'm
gonna use that. Yeah, they use that stuff because it's
it's you know, and then banks are making their they're
making their cut on that one hundred dollars penalties and
all that stuff. I mean, just like all the money
that they're getting extra because of it.
Speaker 1 (39:37):
We gotta do a better job at telling high school
kids and college kids that, don't you.
Speaker 5 (39:40):
Think, Yeah, it'd be great if they had some type
of classes. I know they talk about different things, like
when my kids say, oh, I know, I'll write a
check out. They taught us that in high school.
Speaker 2 (39:53):
Yeah, sot the next generation. Yeah, it's just they're not
in cursive. How do you write out a check?
Speaker 3 (39:59):
Yeah?
Speaker 5 (40:00):
I agree with education, and like me as a parent,
that's obviously. I'm in an industry and I make it
a priority. And I've explained to them about credit and
credit scores.
Speaker 4 (40:10):
That's going to follow him their whole life.
Speaker 1 (40:12):
How many kids do you have too?
Speaker 5 (40:13):
Yeah, boys, girls, son, that's going to be twenty one
a couple of days junior in Whitewater finance business. But
he's not following my footsteps. They do something else. Daughter
graduated from Oshkosh in the medical field twenty two.
Speaker 1 (40:28):
So yeah, man, good for you, that's awesome. We're gonna
get to a break. He is Kevin Evanoff. He is
a senior mortgage loan officer for Johnson Financial Group. Go
to Johnson Financialgroup dot com. He's located in Wakesha And
are you in the office next week? Oh, yeah, he's
in the office next week. Any questions you have if
you're looking at twenty twenty six and look at home renovation,
(40:52):
or you want to buy a house, or you want
to move from your home to another one, you want
to look at a condo in Pewaukee like my wife
and I did. Kevin a great guy to ask questions,
to get the information, and he could walk you through
Johnson Financial Group and what their mission statement is and
what they do and how they go to business. And
he would be a guy you will get.
Speaker 3 (41:13):
Wanted to tell him in a week, But come on
Friday for the cookies.
Speaker 1 (41:15):
Yeah, Friday for the cookies.
Speaker 5 (41:16):
Cookies, and don't forget refinance and hopefully the rates will
start to go down.
Speaker 1 (41:20):
We're thinking that's gonna happen.
Speaker 4 (41:22):
Yes, we're thinking hoping.
Speaker 1 (41:23):
Yeah, we're hoping. This is the Creative Construction Wisconsin Home
Improvement Show on Fox Sports nine twenty and your iHeart
Radio app. Welcome back to the Creative Construction of Wisconsin
home improvement show on Fox Sports nine twenty and your
iHeart Radio app as always coming live from the Donovan
and Jorganson Heating and Cooling Studios. I Mike been given
(41:44):
alongside my co host. He's Bengo Emmons, the owner of
Creative Construction Wisconsin. Our special guest Kevin even Off Evan
off Man, I'm the horrible last name you start eleving.
He goes. Even my kids go with Evan Off. Nowadays
he's a senior mortgage loan officer for Johnson Financial.
Speaker 3 (42:03):
You don't find Mike mcgren.
Speaker 1 (42:05):
Yeah, thank you, Bingo Hymans, that's awesome. Kevin is located
at their their Waukeshaw branch Wakshell location. Been in this
business for over thirty years. During the break, you were
talking Kevin about some of the portfolio products that you
guys offer.
Speaker 5 (42:22):
Yeah, aside from the regulars say conventional type loans being
a bank that we can lend our own money out,
they call in house portfolio loans and a niche unique
loan that we do. It's for a doctor, physician, medical
professionals where we're gonna look at qualifying them with no
(42:44):
money down up to one we can go up to
one point two million. They don't have to have PMI
or mortgage insurance, which is great.
Speaker 3 (42:53):
Uh.
Speaker 5 (42:53):
And then we're a little bit more flexible in the
underwriting because a lot of times someone will say, oh, doctors,
they got tons of money, Well they got debt too,
a lot of debt, a lot of and not just doctors,
it's any type of physician. Then we also have heroes loans.
Those would be for people that are firefighters, please, nursus
first responders, responders, teachers that will give a discount on
(43:17):
the rate and cost. All veterans, Yes, veterans listening.
Speaker 3 (43:21):
I know he's here.
Speaker 2 (43:23):
She said, No, she's runs an r and you know
she's up. You know, did the whole West Point, did
the whole army thing. So yeah, so she would qualify.
Speaker 1 (43:31):
Yeah she maybe maybe she should get a loan. I
could borrow twenty bucks from her. Yep, yeah, she'll charge
me thirty the next day. Yeah, you know that whole Yeah.
The Evan's kind of you know the percentage of the
big they call it.
Speaker 2 (43:45):
Yeah, well, you know you from the you know Irish
mafia guys, I mean, you know how they do the loans.
Speaker 3 (43:50):
They're only forty.
Speaker 1 (43:51):
Forty five percent. If you don't pay on time, get
somebody to starts your car. That's what those boys say. Hey,
the the the portfolio products is something that that you're
really impressed with that that Johnson Financial Group has. And
I love the fact that, look we the VA part
is is a lot of people offer the VA loan.
But when you talk about the hero alone, you talk
about the doctor, you know that kind of stuff, I
(44:13):
think again sets you a little bit apart from the competition.
Speaker 4 (44:16):
Yeah, it certainly does.
Speaker 5 (44:18):
And i'd just give you just a quick example on
things that we do. A lady issue there were nowadays
obviously if you're a buyer, you're kind of in the
back seat. If you're a seller, you know you can
control the market. So they wanted to buy then sell later.
And they were looking at taking some money out of
an IRA and they're going to get hit with a penalty.
(44:39):
And she was a nurse practitioner. So I said, well,
let's look at the doctor loan, and so we did
the zero down. They bought the home, sold their home
a couple months later, so they didn't have any PMI,
they didn't get hit with any penalty, then we just
took that money and put it back down on the
mortgage and recast their payment to a lower amount. She's
a fan of your Oh yeah yeah, yeah, Well I
(45:01):
didn't get a Christmas card, but oh it's coming, it's coming.
Speaker 1 (45:04):
Yeah, it's coming. Yeah. Yeah, she's listening and she's sending
one out tomorrow, I'm telling you.
Speaker 5 (45:09):
But yeah, we'll just look at different creative ways to
do things. And that's the nice thing about our portfolio.
We could we can look at it and use some
common sense. Conventional sometimes has to be a little bit
more structured. But yeah, portfolio, we'll we'll look at that.
Speaker 1 (45:24):
Hey, man, I appreciate you coming in today. This was
really good information and and and thank you for taking
the time to come sit with us. He is Kevin
Evanoff or even Off. It's even Off. But if you
he'll listen to Evanoff for sure, Kevin Evanoff. He's senior
mortgage loan Officer Johnson Financial Group. Go to Johnson Financialgroup
dot com. Again, he's located his branches in Waukeshare or
(45:48):
Pewaukee area, But give him a call, go on that website,
take a look at watch a couple of the videos
I did, and this is a different animal what these
guys are doing for Johnson Financial Group. And he can
answer any of these questions. And if he can't, he
knows people there that can't. Kevin, it's good to meet you.
Speaker 5 (46:07):
Yeah, it was a pleasure being here. Was it on
my bucket list? But I'm glad I did it. There
you go, there, you go have my resume.
Speaker 1 (46:14):
Yeah, Happy New Year, Bengo. If you need bail money
come New Year's Eve, I'm your guy.
Speaker 3 (46:18):
All right, keep that in mind.
Speaker 1 (46:20):
Yeah, I'll just get a loan from Kevin to be
able to.
Speaker 4 (46:22):
Get you out. You got my cell number.
Speaker 1 (46:25):
I do have your cell numbers. Guys, Thanks for listening.
Happy New Year. This is the Creative Construction Wisconsin Home
improvement show on Fox Sports nine twenty and your iHeartRadio app.
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