January 16, 2025 • 25 mins
A mortgage broker with a passion for uncovering hidden opportunities, Sean Hart of CMG Home Loans uncovers his unique journey from a family mining legacy in Montana to a thriving career in mortgage brokerage.
We learn how Sean’s experiences in gold mining, even being featured on Discovery Channel’s Mine Rescue, mirrors his passion for helping families achieve the dream of homeownership. Hear tales of perseverance, innovation, and heartfelt client advocacy that defines who Sean is. Whether you’re fascinated by mining, homeownership, or the drive to overcome challenges, this podcast offers a captivating mix of insights you won’t want to miss!
What’s the most unexpected lesson Sean learned from his family’s mining legacy? Is there still gold to be found in California? How did it feel being featured on Mine Rescue?
CLICK HERE for more information about Sean Hart.
CLICK HERE for more information about CMG Home Loans.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Announcer (00:00):
From Los Angeles.
This is the Echelon RadioNetwork.
Jerri Hemsworth (00:10):
Hi. This is Jerri Hemsworth with the Echelon
Radio Podcast. And today I'msitting with, well, it's a great
honor. I've known Sean Hart fora number of years and Sean never
ceases to amaze me. I think itwas only a couple years ago I
found out what his passion iswhen he's not doing mortgages.
(00:34):
But enough about me, Sean. Howare you today?
Sean Hart (00:37):
Hey, I'm great.
Jerri Hemsworth (00:38):
Good, good, good, good. So you are with CMG
Home Loans?
Sean Hart (00:42):
yes.
Jerri Hemsworth (00:43):
okay, and you have been in the mortgage
industry for how long?
Sean Hart (00:51):
I actually did my first home loan in 1985
Jerri Hemsworth (00:55):
Oh, my God.
Sean Hart (00:55):
We didn't have to be licensed then.
Jerri Hemsworth (00:57):
Seriously?
Sean Hart (00:59):
So a lot has changed in the world. But for our
listeners, 1985 was 12% interestrates, 15% interest rates, and I
couldn't make a living.
Jerri Hemsworth (01:08):
right.
Sean Hart (01:08):
So I left and went into the insurance business. And
then many years later, 1998 cameback. Yes, been licensed, and,
of course, licensed, and eversince.
Jerri Hemsworth (01:17):
And what is it about being a mortgage broker
that lights your fire, as aprofessional?
Sean Hart (01:23):
I love handing the keys to somebody and seeing
their new life. I love what homeownership is, starting a family,
being part of a neighborhood,being able to do whatever you
want to the house, right?
There's the financial side ofit. You know, you've capped your
living expenses as far as yourhome expenses are going to be,
(01:44):
but you also get the tax writeoff. So there's so much more.
You know, the memories you'regoing to build. Marking your
kids height on the wall or onthe door jam, right? Remember
all that, right? The holidays,the experiences, the photographs
having family over, right? It'sall of that. It just lights me
up.
Jerri Hemsworth (02:06):
And you were, well, let's you have a long
story of getting to mortgagebrokerage and where did you grow
up?
Sean Hart (02:18):
Well actually, I'm originally from Montana. Ah,
yeah, originally from Montana.
Jerri Hemsworth (02:23):
I'm a country kid. My family groups are
Montana as well.
Sean Hart (02:26):
Really?
Jerri Hemsworth (02:26):
Yeah, my grandfather was born there and
and his whole family werecowboys, actual, old time
cowboys up there.
Sean Hart (02:32):
Mine were mine were minors, and, yeah, coincidental.
Wonder where that fits in. Yeah,where does that fit in later?
Jerri Hemsworth (02:41):
Spoiler alert.
Sean Hart (02:43):
So that's my background. And then we moved
and went into the Seattle area.
Was in the Seattle area forquite, quite a while, and then
adventures took us to Californiaand pretty much been here ever
since.
Jerri Hemsworth (02:56):
What was it like for you to move from
Montana to Seattle because yourrelatives, like you said, were
miners and stone masons. Okay.
So very outdoorsy people. Andthen you moved to Seattle, which
is a very different environment.
(03:18):
What was that like for you?
Sean Hart (03:19):
Well, fortunately, we were in more of the rural
setting of Seattle. I wasn't inSeattle proper. So I was
building tree forts. I wasbuilding ground forts. I mean,
we were playing army men. Wewere doing all the stuff that
you did back then, right, rightout, actually, in the forest.
(03:41):
I'm, I'm shocked, because therewas bears and mountain lions,
yeah, and we're 6,7, 9 year oldkids running around in the
forest, and had no clue thatthere was animals like that out
there,
Jerri Hemsworth (03:52):
yeah, but I think it's that, it's that
youthful innocence, you know,that allows you to play and not
worry. It's probably your yourmom was probably, or maybe she's
like, Oh, maybe one, maybe thebears will one.
Sean Hart (04:07):
Well, you know, we were out riding our bikes and
doing the tree fort stuff, andwe just had to be home by the
time the street lights came on.
I mean, I literally grew up inthat, you know, drinking water
from a garden hose
Jerri Hemsworth (04:16):
us too.
Sean Hart (04:17):
Pulling carrots and vegetables out of the garden and
washing them off and eating himright there, you know, I had
that, and I try to recreate thatnow for my kids and grandkids.
Jerri Hemsworth (04:26):
I want to back up to Montana, talk to me about
your grandfather,
Sean Hart (04:32):
great grandfather.
Jerri Hemsworth (04:33):
great grandfather. And what was he
into? What was he like?
Sean Hart (04:39):
He was heck on wheels. Heck on wheels, yeah. He
had quite the reputation. And hewould tear tear up the mining,
and he would head to town, andoften find his way to the bar.
Jerri Hemsworth (04:53):
okay.
Sean Hart (04:54):
And lots of adventures would come out of
that bar.
Jerri Hemsworth (04:56):
Oh, God, good stories I bet.
Sean Hart (04:58):
That's a story, some I can't tell.
Jerri Hemsworth (05:00):
yeah.
Sean Hart (05:00):
And what, one of the most endearing, and I think is
so he built it, and was thefirst resident,
funny, is he, because of hisstone mason, when the mining,
when the we'd get to, when thewinter would shut the mines
down, okay, they'd go into town.
And because of his stone masonbackground, he would be working
on fireplaces. He worked on thefireplaces the Grand Lodge in
Yellowstone, and many of thewealthy farmers and families he
(05:23):
would come work on. But this oneparticular story, he he built a
jail they needed. They needed ajail because the town was
growing and they were havingsome people that needed to be in
jail. So he actually the bars,the steel. It was a rock
building. It was actually madeof local rock, right? Sure. And
he went back to that bar thatnight and got super drunk and
(05:46):
got into bench trouble, and hewas actually the first person to
be put back in thethe first resident,
Jerri Hemsworth (05:56):
nice, nice. Oh, that's cool. What kind of mining
did he do?
Sean Hart (06:01):
Silver and gold,
Jerri Hemsworth (06:02):
silver and gold, and is silver mined the
same way as gold.
Sean Hart (06:08):
pretty much.
Jerri Hemsworth (06:08):
really, okay, and there's
Sean Hart (06:11):
Initially gold.
Silver is processed differentlybecause silver comes in
different ores, I'll call itright where gold you're
typically going right after it.
Jerri Hemsworth (06:21):
so you now fast forwarding. You get to Seattle,
you make your way, your familymakes its way down to
California. You did a stint ininsurance for a little bit, and
then back into mortgage. At whatpoint did you tell me about how
(06:45):
you got into your I can't evencall it a hobby, because it's
more than a hobby for you. Tellus about what you love to do
when you're not doing mortgages.
Sean Hart (06:58):
Well, I started out fishing, camping, being
outdoors, dirt bikes, that kindof thing. And I was scanning the
the TV Guide, and I ran across ashow about gold mining, and I
just landed on it, startedwatching it, and it reminded me
that, you know, oh, that's in myfamily. That's in my background.
I should, you know, I shouldwatch this, you know.
Jerri Hemsworth (07:19):
let's check this out.
Sean Hart (07:20):
And they started showing the rivers and the
valleys and the mountains andthe areas where people were
placer gold mining. And I said,I've camped near there, I've
fished near there. I've, I thinkI've been there, you know. And I
dawned on me that I'm probablywalking over and boating over,
(07:40):
you know, lots of gold, so Ishould probably go and try it,
yeah, and talk to my neighbor.
And we grabbed some we said,Okay, let's go. Is there a
place? And we joined a club, andthey had an outing, and we
grabbed a tent and some gear,and off we went.
Jerri Hemsworth (07:55):
Yeah, yeah, yeah. And what happened on that,
your first time out, you'rehanging out. You're learning
stuff. What happened on thatouting?
Sean Hart (08:06):
What they do is they put you to work first for the
common dig, right? So they workyou pretty hard
Jerri Hemsworth (08:12):
the chain gang.
Sean Hart (08:13):
yes. So get some gold for the group.
Okay. And everyonewho participates gets a little
Jerri Hemsworth (08:16):
Gotcha.
share, right? And then there'sfree time, so we grab our mining
equipment, and we run down tothe river, we put it in, we get
it going, and we didn't reallyknow what we were doing, but
there was a very nice man therewho had the actual model of unit
that we had, and he showed uswhat to do. And we went to
mining and had no clue what wewere doing, and probably
(08:38):
dangerous. And, you know, justthis fall, exactly, exactly.
And, yeah, it came time to stop.
And so we stopped, and we liftup the flap on the sluice box. I
looked inside, and there wasgold speckled all over the mat.
Oh, oh, whathappened? What did you say?
Sean Hart (08:57):
That was it? I was absolutely hooked. I mean, you
could, I can tell you the day,the time, what I was wearing. I
can tell you the moment that allof this happened, and I was
fixated on that gold. I mean, itwas bang, I've got it fish on. I
was hooked, end of story. LikeI'm doing this, like I knew
right then and there this wouldbe a part of my life. Going
forward,how much gold was in the sluice?
(09:18):
I don't know, 30 bucks, 50bucks, I don't know. Wasn't that
much. No, it wasn't. It wasn'tthat. It was this, you know, I'm
retiring. I've hit themotherland. It wasn't that okay.
It was we went out with simpletools and very little
understanding, and actuallyproduced enough gold to pay for
(09:38):
the gas that got us there. Somaybe we could do more of this,
and maybe we need biggerequipment, and that leads to the
rest of what's happened over thelast, you know, couple decades
of doing it?
Jerri Hemsworth (09:48):
And and explain to the listeners what is placer
mining.
Sean Hart (09:56):
So placer mining is gold that's already that's been
released from the rock. Okay,it's right there. You look at
it, it's gold, it's it's layingthere. It's a nugget, it's a
flake, it's a speck, it's an youknow, sometimes it's chunky,
sometimes it's not so chunky.
But, you know, gold is 19 timesheavier than the dirt and the
strata and the water that it'sin.
Jerri Hemsworth (10:15):
Okay.
Sean Hart (10:16):
So that's why we use water to help separate using
sluice boxes and other cleanupequipment, gold pans. That's why
we use them, because the gold isso much heavier that basically
we're doing material handling byweight.
Jerri Hemsworth (10:29):
Okay.
Sean Hart (10:30):
And so we're trying to get to the gold, which is
going to be the one of the mostheaviest things at the end of
the day, when you're, you know,finishing up.
Jerri Hemsworth (10:36):
And is this one of the easier types of mining?
Sean Hart (10:39):
It's easier than hard rock mining, yeah, it's easier
than silver mining, yeah.
Jerri Hemsworth (10:43):
And what is hard rock mining?
Sean Hart (10:44):
Hard Rock is typically when the gold is still
trapped in the rock, okay, okay,got pushed up, probably by a
volcanic action, and it's beenshot up when it was very hot and
it cooled and settled in somequartz. Usually, yes, and we're
going back in to those thosetunnels, usually you can find an
outcropping of quartz on thesurface, is what the old timers
(11:05):
were looking for. So they wouldwork their way up the creek,
okay, or a stream.
Jerri Hemsworth (11:09):
So they would find a stream, because that was
common for it to come down thatway.
Sean Hart (11:13):
Yes, because erosion, yeah, and time had fractured the
rock. Weathering, ice freezingfractures the rock, the gold
falls out Sure, and then thegold works its way down the
mountain into the stream, andthen floods come through and
concentrate the gold. And that'swhat they were after. They were
after what we call pay streaks,which are lines of gold in the
(11:35):
bottom of the river that's laidin by natural forces.
Jerri Hemsworth (11:38):
Gotcha.
Sean Hart (11:39):
And then when they would get up a stream, and all
of a sudden the gold would stop,and they would go, Well, okay,
well, how did it get here? Andthey would start looking up the
valley sides, and they would goup to find the load, okay, which
is the outcropping where theweathering occurred. And then
they would drive shafts. Theywould test it, of course, and
(12:00):
then if it was rich enough, theywould drive shafts down. And
that's how gold mine started, isthey would drive a shaft down on
that outcropping, following thevein
Jerri Hemsworth (12:08):
Gotcha, hence the mother lode got it
Sean Hart (12:12):
right.
Jerri Hemsworth (12:12):
okay, and so you were placer mining, and how
long? When was that? What yearwas that that you started
plaster mining?
Sean Hart (12:25):
Around 2000
Jerri Hemsworth (12:26):
2000 so we're talking 24 years, basically, of
of playing in the gold world.
But something happenedsomewhere. What happened to take
you into a little bit differentdirection from Placer mining?
Sean Hart (12:47):
Well, you know, you make friends and acquaintances
and lifelong friends actually,in this hobby, for me, it's
maybe a little more than ahobby, but, yeah, I've made met
some amazing people, and I'vehad some amazing mentors and
guides along the way, and we'vestayed connected. And those
friends know friends and thingshappen. And through these
(13:08):
connections, I met a team ofguys that were hard rock mining,
Jerri Hemsworth (13:13):
where?
Sean Hart (13:15):
out in the desert,
Jerri Hemsworth (13:15):
out in the desert of California?
Sean Hart (13:17):
California, yes.
Okay, yeah. And those thatintroduction and those
relationships led to an offer tobecome part of their, their
team.
Jerri Hemsworth (13:26):
Oh, wow.
Sean Hart (13:27):
And hence, and that that's what took off.
Jerri Hemsworth (13:31):
And one day, your team, which is called Mine
Operator.
Mine Operator, that's right, youguys get a call. What was that
Sean Hart (13:42):
The call was from a production company looking for
call?
junior miners, small miners,small, you know, small team
mining, And they wanted tointerview us for a TV show. And
we're like, oh, really, yeah,because our first thought was,
(14:02):
we don't want to be on TV. Wedon't want anybody know what
we're doing. We don't wantanybody coming out here picking
our gold like this is hard work.
We've earned it. This is ourlittle corner, our little thing
we've made for ourselves, and wedon't want to share so why would
we, you know, expose ourselves?
Exactly right? And they cameback and they said, You know
what, it really isn't aboutthat. Why don't you watch some
of the episodes and kind offamiliarize yourself. And so we
(14:25):
did a screen test. We agreed toa screen test, and they got us
all on screen and asked usquestions. And I guess one thing
led to another, and they said,Okay, we think you guys would be
a great episode. We really loveyour story and what you're
doing, and we want to take it tothe world.
Jerri Hemsworth (14:42):
And which show was that?
Sean Hart (14:43):
it's called Mine Rescue,
Jerri Hemsworth (14:45):
Mine Rescue.
And it's on?
Sean Hart (14:47):
Discovery Channel.
Jerri Hemsworth (14:47):
Discovery Channel, yeah, there's a you and
I were talking about this awhile ago, over a year ago, I
think. And there's a couple ofguys that have a couple of
shows. Yeah, on Discovery. Andwho are these guys,
Sean Hart (15:02):
Freddie and Juan.
Jerri Hemsworth (15:03):
Freddie and Juan.
Sean Hart (15:04):
yeah, yeah, and they're off. It's the whole gold
rush. You know, Gold Rushstarted, and then it's off. Yes,
more shows have come out fromit. And so Gold Rush mine
rescue.
Jerri Hemsworth (15:15):
Mine rescue
Sean Hart (15:16):
is the show that ultimately came to us and we
shot an episode and and
Jerri Hemsworth (15:21):
it just aired, just aired, yeah, yes, week so
on Discovery plus, I evensubscribed to discovery plus, so
I could see it that day. Andfascinating, because I had no
clue. I knew you were mining. Ihad no clue the danger that you
(15:44):
face when you go out and do thehard mining. And my husband and
I Brian, we said, Nope, can'tget me in there. What is it in
you? And that says I'm I'mputting aside my fear. I'm going
down in that tunnel, and I'mgonna pick at the rock. How do
(16:05):
you how do you face that? How doyou do that?
Sean Hart (16:10):
You know, it's almost second nature. We just do it.
Yeah, we don't really stop andthink about it or contemplate
it. We don't really tell ourwives about that part
Jerri Hemsworth (16:19):
not to or kids.
Keep that quiet between us.
Don't tell your dogs, yeah.
Sean Hart (16:24):
And there is a passion to what this like, what
our country was built on, beingself sufficient, right? And just
striking out on your own andbeing able to make it, and
whether that's working my dayjob and producing home loans and
(16:45):
making housing dreams come truefor families, or whether it's my
passion, digging and producinggold and just getting I can't
tell you how satisfying it is atthe end of the day to have put
so much mental and physical workinto something. And some days
it's a few dollars, some daysit's many more dollars, right?
(17:06):
But it, for me, it isn't aboutthe dollars, right? There's a
there's a poem about mining, andit's not just to paraphrase it.
It isn't so much about havingthe gold. It's finding the gold.
So going into these older areasand trying to decipher what the
old timers were doing. Why werethey doing that? Why is this
(17:26):
piece of equipment here, whatwhat was going on? And then
piecing that together, and thengoing in and making your own
discovery based upon, perhaps aroadmap or design that someone
else had done before you 150years ago, and then piecing that
together, and then putting theeffort in, and then you hit
something, and it's reallyrewarding, right?
Jerri Hemsworth (17:49):
Yeah, yeah, overcoming the challenges, yeah,
to get to forgive the pun, thenugget of everything,
Sean Hart (17:58):
well, I tell you, you know, nuggets are few and far
between. They're not reallysuper easy to find, right?
Because the old timers werepretty good at finding the big
stuff, right? But when you findone, I remember where I was. I
remember the spot where thatwas. I could take you back to
places I found chunks of gold.
You've seen some of it, yes,right?
Jerri Hemsworth (18:13):
Yes.
Sean Hart (18:14):
And they're almost like my kids, like people say,
Well, why don't you sell yourgold? And why don't you it's
locked away in the safetydeposit. Are you kidding me? I
don't keep it around. Number oneand number two, they're so
unique and special to me that Icouldn't part with them unless I
had to. And you know, I've hadhard times. You know, there have
been up and down. There beenrecessions. There have been a
(18:35):
lot of tough, difficult times inthe real estate business. And
I've sold gold, I've I've paidfor my expenses gold mining
before, so I have that there asa backup.
Jerri Hemsworth (18:46):
right, right.
Sean Hart (18:47):
But I also have little chunks of treasure that
you know are very fulfilling,
Jerri Hemsworth (18:52):
absolutely. And it's not about the value, it's
about the story and theovercoming what you had to go
through, and the joy of findingit, I would imagine, and that is
more precious than than theactual dollar value I would
imagine. You and I were talkinga few months ago about gold in
(19:18):
California versus other places.
Tell the listeners how much goldis in California, still.
Sean Hart (19:28):
more than you can imagine, more than your your
finite brain can encapsulize,right? There's so much gold in
California that we literallycould have a different country
and a different world around it.
California is the number onestate in the United States for
gold. Oregon has gold. Nevadahas gold. Arizona. There are
quite a few states where goldhas been commercially mined
(19:49):
throughout the United States,but California truly is the
Golden State.
Jerri Hemsworth (19:56):
Unbelievable.
that I was always taught, youknow, Sutter's Mill and the gold
miners, and I thought my, my ownperception, was okay, they got
the gold out of California.
Sean Hart (20:08):
Oh, no,
Jerri Hemsworth (20:08):
I'm done.
Sean Hart (20:09):
No, no, no, no, no.
Jerri Hemsworth (20:10):
And that's what, when you and I were
talking, I had no idea thatthere's that much gold left and
still can be mined. I mean, forgenerations to come, I would
imagine.
Sean Hart (20:23):
Oh absolutely, it would be life changing if we
were allowed to get in and go,go back and claim what's there.
Jerri Hemsworth (20:31):
So now, circling back to your profession
and working with clients. Do yousee, I mean, as an outsider, I
see the parallel. Do you see theparallel between working so hard
for these clients that mighthave challenges, and also what
(20:53):
you do with gold mining?
Sean Hart (20:55):
You know, I didn't to me. It's kind of second nature.
I you know, breaking into thereal estate business and the
mortgage business wasn't easy atthe time. I did it okay. I've
had huge obstacles with interestrates and clients and bad credit
and lots of other reasons
Jerri Hemsworth (21:13):
kind of out of your control.
Sean Hart (21:15):
very out of out of control, right? Yes. So to me,
it was just, I have to supportmy family, right? Got a
mortgage, got overhead, carinsurance, bills, health
insurance, all the stuff we allhave. I gotta get busy. Okay. So
I got busy, and I didn't realizethat I was working just as hard
at piecing difficult loanstogether for people as I was in
(21:40):
my passion out trying to findpieces of gold, you know, and
really what it was you. It wasyou that brought it to me. It
was you that brought it to meand said, Do you really realize
these two things are side byside, that you're really doing
the same thing?
Jerri Hemsworth (21:52):
Yes.
Sean Hart (21:52):
I actually didn't. It was, it was really eye opening
and freeing.
Jerri Hemsworth (21:57):
good, oh.
Sean Hart (21:58):
when you brought that to me, it's like, wow, I'm kind
of doing what I'm supposed to bedoing, you know, like, it just
really was very freeing and andopened me up to possibilities
and new things and, and it'sactually reflecting in my my
production now at work.
Jerri Hemsworth (22:15):
nice.
Sean Hart (22:16):
you know, the staff I have around me, the the tools I
have available to me. It justmakes producing a home loan for
a family a lot easier, a lotcheaper, right, and fulfilling
for both parties, right? It's awin. Win. The customer gets a
great experience and home, and Ifeel great helping them.
Jerri Hemsworth (22:39):
I bet there are no mistakes. Sean.
Sean Hart (22:43):
thank you for pointing that out, because it
really, has really put a springin my step.
Jerri Hemsworth (22:48):
That's good.
Sean Hart (22:49):
It's easy to get, you know, at the time where we're
talking about this, interestrates are not in the best place
right at all, and actually beengoing up. So it makes it even
worse. So it's really easy tofocus on the negative sides of
things, right? Oh, I can't dothis because of this, or, Oh, I
can't because of that. And, youknow, that's all just self
defeating, like, step on that,that thing and throw it out.
(23:09):
Okay? And when you brought thatto me about about tying those
two things together, it's likethe determination. When I'm
tired at the end of the day andI haven't gotten a lot of gold,
that doesn't stop me I get thenext day, and I work even
harder, right? Well, I'm doingthat at work, and I've done it
at work for decades, and I'vehelped 1000s of people, right,
right? And I just didn't tie thetwo together. And since you
(23:30):
brought that to me, I tell you,it's just very freeing. So thank
you. Thank you
Jerri Hemsworth (23:34):
You're very welcome.
Sean Hart (23:35):
It's been a real treat. You've really helped me.
Jerri Hemsworth (23:37):
Thank you. I'm glad. I'm so glad, and I know
your reputation does trulyprecede you for helping the
clients who might have adifficult situation, and for
what you do for them at CMG HomeLoans is really, really awesome
to hear. You know, we do talkabout you behind your back. I'll
(23:59):
just be right up there with youabout how amazing the deals are
that you do for clients, and youjust need to know that when we
do talk about you, it's allamazing, great stories. So
Sean Hart (24:14):
It's advocacy, it's client advocacy, and it's not
taking no for an answer, right?
I just don't take no, and I'm aclient's advocate to the last I
really am.
Jerri Hemsworth (24:24):
That's it. So thank you for being that because
somebody who's not in thatindustry and not really knowing
that industry, it's a littlescary when we come and say,
Okay, we need to either refi orhome equity line of credit, or
we want to sell, or we want tobuy, and we put a lot of trust
in in people that are in theindustry, like yourself, and we
(24:48):
just don't want to be ripped offor anything like that. So what's
beautiful is to be able to referpeople to you and say, Don't
worry, Sean's got you. Sean'sgotcha, this is you're you're in
such amazing hands, and thankyou for being that person that
we can refer people to.
Sean Hart (25:07):
You're welcome.
You're welcome. I love it
Jerri Hemsworth (25:09):
Thank you so much for being with me today. I
really love your story. We justpublished it in the q3 2024,
issue of Echelon ProfessionalMagazine. You can check it out
online. It's it's such a I couldtalk to you for hours about
mining, because it's such aforeign thing to myself, and I'm
(25:31):
fascinated by what you love todo. Thank you.
Sean Hart (25:35):
Thank you. Thank you.
Jerri, It's been my treat.
Jerri Hemsworth (25:37):
Ah, love it.
Thanks.
Announcer (25:47):
Presented by Echelon Business Development. More than
just networking. Way more.
From Los Angeles.
This is the Echelon RadioNetwork.
Jerri Hemsworth (00:10):
Hi. This is Jerri Hemsworth with the Echelon
Radio Podcast. And today I'msitting with, well, it's a great
honor. I've known Sean Hart fora number of years and Sean never
ceases to amaze me. I think itwas only a couple years ago I
found out what his passion iswhen he's not doing mortgages.
(00:34):
But enough about me, Sean. Howare you today?
Sean Hart (00:37):
Hey, I'm great.
Jerri Hemsworth (00:38):
Good, good, good, good. So you are with CMG
Home Loans?
Sean Hart (00:42):
yes.
Jerri Hemsworth (00:43):
okay, and you have been in the mortgage
industry for how long?
Sean Hart (00:51):
I actually did my first home loan in 1985
Jerri Hemsworth (00:55):
Oh, my God.
Sean Hart (00:55):
We didn't have to be licensed then.
Jerri Hemsworth (00:57):
Seriously?
Sean Hart (00:59):
So a lot has changed in the world. But for our
listeners, 1985 was 12% interestrates, 15% interest rates, and I
couldn't make a living.
Jerri Hemsworth (01:08):
right.
Sean Hart (01:08):
So I left and went into the insurance business. And
then many years later, 1998 cameback. Yes, been licensed, and,
of course, licensed, and eversince.
Jerri Hemsworth (01:17):
And what is it about being a mortgage broker
that lights your fire, as aprofessional?
Sean Hart (01:23):
I love handing the keys to somebody and seeing
their new life. I love what homeownership is, starting a family,
being part of a neighborhood,being able to do whatever you
want to the house, right?
There's the financial side ofit. You know, you've capped your
living expenses as far as yourhome expenses are going to be,
(01:44):
but you also get the tax writeoff. So there's so much more.
You know, the memories you'regoing to build. Marking your
kids height on the wall or onthe door jam, right? Remember
all that, right? The holidays,the experiences, the photographs
having family over, right? It'sall of that. It just lights me
up.
Jerri Hemsworth (02:06):
And you were, well, let's you have a long
story of getting to mortgagebrokerage and where did you grow
up?
Sean Hart (02:18):
Well actually, I'm originally from Montana. Ah,
yeah, originally from Montana.
Jerri Hemsworth (02:23):
I'm a country kid. My family groups are
Montana as well.
Sean Hart (02:26):
Really?
Jerri Hemsworth (02:26):
Yeah, my grandfather was born there and
and his whole family werecowboys, actual, old time
cowboys up there.
Sean Hart (02:32):
Mine were mine were minors, and, yeah, coincidental.
Wonder where that fits in. Yeah,where does that fit in later?
Jerri Hemsworth (02:41):
Spoiler alert.
Sean Hart (02:43):
So that's my background. And then we moved
and went into the Seattle area.
Was in the Seattle area forquite, quite a while, and then
adventures took us to Californiaand pretty much been here ever
since.
Jerri Hemsworth (02:56):
What was it like for you to move from
Montana to Seattle because yourrelatives, like you said, were
miners and stone masons. Okay.
So very outdoorsy people. Andthen you moved to Seattle, which
is a very different environment.
(03:18):
What was that like for you?
Sean Hart (03:19):
Well, fortunately, we were in more of the rural
setting of Seattle. I wasn't inSeattle proper. So I was
building tree forts. I wasbuilding ground forts. I mean,
we were playing army men. Wewere doing all the stuff that
you did back then, right, rightout, actually, in the forest.
(03:41):
I'm, I'm shocked, because therewas bears and mountain lions,
yeah, and we're 6,7, 9 year oldkids running around in the
forest, and had no clue thatthere was animals like that out
there,
Jerri Hemsworth (03:52):
yeah, but I think it's that, it's that
youthful innocence, you know,that allows you to play and not
worry. It's probably your yourmom was probably, or maybe she's
like, Oh, maybe one, maybe thebears will one.
Sean Hart (04:07):
Well, you know, we were out riding our bikes and
doing the tree fort stuff, andwe just had to be home by the
time the street lights came on.
I mean, I literally grew up inthat, you know, drinking water
from a garden hose
Jerri Hemsworth (04:16):
us too.
Sean Hart (04:17):
Pulling carrots and vegetables out of the garden and
washing them off and eating himright there, you know, I had
that, and I try to recreate thatnow for my kids and grandkids.
Jerri Hemsworth (04:26):
I want to back up to Montana, talk to me about
your grandfather,
Sean Hart (04:32):
great grandfather.
Jerri Hemsworth (04:33):
great grandfather. And what was he
into? What was he like?
Sean Hart (04:39):
He was heck on wheels. Heck on wheels, yeah. He
had quite the reputation. And hewould tear tear up the mining,
and he would head to town, andoften find his way to the bar.
Jerri Hemsworth (04:53):
okay.
Sean Hart (04:54):
And lots of adventures would come out of
that bar.
Jerri Hemsworth (04:56):
Oh, God, good stories I bet.
Sean Hart (04:58):
That's a story, some I can't tell.
Jerri Hemsworth (05:00):
yeah.
Sean Hart (05:00):
And what, one of the most endearing, and I think is
so he built it, and was thefirst resident,
funny, is he, because of hisstone mason, when the mining,
when the we'd get to, when thewinter would shut the mines
down, okay, they'd go into town.
And because of his stone masonbackground, he would be working
on fireplaces. He worked on thefireplaces the Grand Lodge in
Yellowstone, and many of thewealthy farmers and families he
(05:23):
would come work on. But this oneparticular story, he he built a
jail they needed. They needed ajail because the town was
growing and they were havingsome people that needed to be in
jail. So he actually the bars,the steel. It was a rock
building. It was actually madeof local rock, right? Sure. And
he went back to that bar thatnight and got super drunk and
(05:46):
got into bench trouble, and hewas actually the first person to
be put back in thethe first resident,
Jerri Hemsworth (05:56):
nice, nice. Oh, that's cool. What kind of mining
did he do?
Sean Hart (06:01):
Silver and gold,
Jerri Hemsworth (06:02):
silver and gold, and is silver mined the
same way as gold.
Sean Hart (06:08):
pretty much.
Jerri Hemsworth (06:08):
really, okay, and there's
Sean Hart (06:11):
Initially gold.
Silver is processed differentlybecause silver comes in
different ores, I'll call itright where gold you're
typically going right after it.
Jerri Hemsworth (06:21):
so you now fast forwarding. You get to Seattle,
you make your way, your familymakes its way down to
California. You did a stint ininsurance for a little bit, and
then back into mortgage. At whatpoint did you tell me about how
(06:45):
you got into your I can't evencall it a hobby, because it's
more than a hobby for you. Tellus about what you love to do
when you're not doing mortgages.
Sean Hart (06:58):
Well, I started out fishing, camping, being
outdoors, dirt bikes, that kindof thing. And I was scanning the
the TV Guide, and I ran across ashow about gold mining, and I
just landed on it, startedwatching it, and it reminded me
that, you know, oh, that's in myfamily. That's in my background.
I should, you know, I shouldwatch this, you know.
Jerri Hemsworth (07:19):
let's check this out.
Sean Hart (07:20):
And they started showing the rivers and the
valleys and the mountains andthe areas where people were
placer gold mining. And I said,I've camped near there, I've
fished near there. I've, I thinkI've been there, you know. And I
dawned on me that I'm probablywalking over and boating over,
(07:40):
you know, lots of gold, so Ishould probably go and try it,
yeah, and talk to my neighbor.
And we grabbed some we said,Okay, let's go. Is there a
place? And we joined a club, andthey had an outing, and we
grabbed a tent and some gear,and off we went.
Jerri Hemsworth (07:55):
Yeah, yeah, yeah. And what happened on that,
your first time out, you'rehanging out. You're learning
stuff. What happened on thatouting?
Sean Hart (08:06):
What they do is they put you to work first for the
common dig, right? So they workyou pretty hard
Jerri Hemsworth (08:12):
the chain gang.
Sean Hart (08:13):
yes. So get some gold for the group.
Okay. And everyonewho participates gets a little
Jerri Hemsworth (08:16):
Gotcha.
share, right? And then there'sfree time, so we grab our mining
equipment, and we run down tothe river, we put it in, we get
it going, and we didn't reallyknow what we were doing, but
there was a very nice man therewho had the actual model of unit
that we had, and he showed uswhat to do. And we went to
mining and had no clue what wewere doing, and probably
(08:38):
dangerous. And, you know, justthis fall, exactly, exactly.
And, yeah, it came time to stop.
And so we stopped, and we liftup the flap on the sluice box. I
looked inside, and there wasgold speckled all over the mat.
Oh, oh, whathappened? What did you say?
Sean Hart (08:57):
That was it? I was absolutely hooked. I mean, you
could, I can tell you the day,the time, what I was wearing. I
can tell you the moment that allof this happened, and I was
fixated on that gold. I mean, itwas bang, I've got it fish on. I
was hooked, end of story. LikeI'm doing this, like I knew
right then and there this wouldbe a part of my life. Going
forward,how much gold was in the sluice?
(09:18):
I don't know, 30 bucks, 50bucks, I don't know. Wasn't that
much. No, it wasn't. It wasn'tthat. It was this, you know, I'm
retiring. I've hit themotherland. It wasn't that okay.
It was we went out with simpletools and very little
understanding, and actuallyproduced enough gold to pay for
(09:38):
the gas that got us there. Somaybe we could do more of this,
and maybe we need biggerequipment, and that leads to the
rest of what's happened over thelast, you know, couple decades
of doing it?
Jerri Hemsworth (09:48):
And and explain to the listeners what is placer
mining.
Sean Hart (09:56):
So placer mining is gold that's already that's been
released from the rock. Okay,it's right there. You look at
it, it's gold, it's it's layingthere. It's a nugget, it's a
flake, it's a speck, it's an youknow, sometimes it's chunky,
sometimes it's not so chunky.
But, you know, gold is 19 timesheavier than the dirt and the
strata and the water that it'sin.
Jerri Hemsworth (10:15):
Okay.
Sean Hart (10:16):
So that's why we use water to help separate using
sluice boxes and other cleanupequipment, gold pans. That's why
we use them, because the gold isso much heavier that basically
we're doing material handling byweight.
Jerri Hemsworth (10:29):
Okay.
Sean Hart (10:30):
And so we're trying to get to the gold, which is
going to be the one of the mostheaviest things at the end of
the day, when you're, you know,finishing up.
Jerri Hemsworth (10:36):
And is this one of the easier types of mining?
Sean Hart (10:39):
It's easier than hard rock mining, yeah, it's easier
than silver mining, yeah.
Jerri Hemsworth (10:43):
And what is hard rock mining?
Sean Hart (10:44):
Hard Rock is typically when the gold is still
trapped in the rock, okay, okay,got pushed up, probably by a
volcanic action, and it's beenshot up when it was very hot and
it cooled and settled in somequartz. Usually, yes, and we're
going back in to those thosetunnels, usually you can find an
outcropping of quartz on thesurface, is what the old timers
(11:05):
were looking for. So they wouldwork their way up the creek,
okay, or a stream.
Jerri Hemsworth (11:09):
So they would find a stream, because that was
common for it to come down thatway.
Sean Hart (11:13):
Yes, because erosion, yeah, and time had fractured the
rock. Weathering, ice freezingfractures the rock, the gold
falls out Sure, and then thegold works its way down the
mountain into the stream, andthen floods come through and
concentrate the gold. And that'swhat they were after. They were
after what we call pay streaks,which are lines of gold in the
(11:35):
bottom of the river that's laidin by natural forces.
Jerri Hemsworth (11:38):
Gotcha.
Sean Hart (11:39):
And then when they would get up a stream, and all
of a sudden the gold would stop,and they would go, Well, okay,
well, how did it get here? Andthey would start looking up the
valley sides, and they would goup to find the load, okay, which
is the outcropping where theweathering occurred. And then
they would drive shafts. Theywould test it, of course, and
(12:00):
then if it was rich enough, theywould drive shafts down. And
that's how gold mine started, isthey would drive a shaft down on
that outcropping, following thevein
Jerri Hemsworth (12:08):
Gotcha, hence the mother lode got it
Sean Hart (12:12):
right.
Jerri Hemsworth (12:12):
okay, and so you were placer mining, and how
long? When was that? What yearwas that that you started
plaster mining?
Sean Hart (12:25):
Around 2000
Jerri Hemsworth (12:26):
2000 so we're talking 24 years, basically, of
of playing in the gold world.
But something happenedsomewhere. What happened to take
you into a little bit differentdirection from Placer mining?
Sean Hart (12:47):
Well, you know, you make friends and acquaintances
and lifelong friends actually,in this hobby, for me, it's
maybe a little more than ahobby, but, yeah, I've made met
some amazing people, and I'vehad some amazing mentors and
guides along the way, and we'vestayed connected. And those
friends know friends and thingshappen. And through these
(13:08):
connections, I met a team ofguys that were hard rock mining,
Jerri Hemsworth (13:13):
where?
Sean Hart (13:15):
out in the desert,
Jerri Hemsworth (13:15):
out in the desert of California?
Sean Hart (13:17):
California, yes.
Okay, yeah. And those thatintroduction and those
relationships led to an offer tobecome part of their, their
team.
Jerri Hemsworth (13:26):
Oh, wow.
Sean Hart (13:27):
And hence, and that that's what took off.
Jerri Hemsworth (13:31):
And one day, your team, which is called Mine
Operator.
Mine Operator, that's right, youguys get a call. What was that
Sean Hart (13:42):
The call was from a production company looking for
call?
junior miners, small miners,small, you know, small team
mining, And they wanted tointerview us for a TV show. And
we're like, oh, really, yeah,because our first thought was,
(14:02):
we don't want to be on TV. Wedon't want anybody know what
we're doing. We don't wantanybody coming out here picking
our gold like this is hard work.
We've earned it. This is ourlittle corner, our little thing
we've made for ourselves, and wedon't want to share so why would
we, you know, expose ourselves?
Exactly right? And they cameback and they said, You know
what, it really isn't aboutthat. Why don't you watch some
of the episodes and kind offamiliarize yourself. And so we
(14:25):
did a screen test. We agreed toa screen test, and they got us
all on screen and asked usquestions. And I guess one thing
led to another, and they said,Okay, we think you guys would be
a great episode. We really loveyour story and what you're
doing, and we want to take it tothe world.
Jerri Hemsworth (14:42):
And which show was that?
Sean Hart (14:43):
it's called Mine Rescue,
Jerri Hemsworth (14:45):
Mine Rescue.
And it's on?
Sean Hart (14:47):
Discovery Channel.
Jerri Hemsworth (14:47):
Discovery Channel, yeah, there's a you and
I were talking about this awhile ago, over a year ago, I
think. And there's a couple ofguys that have a couple of
shows. Yeah, on Discovery. Andwho are these guys,
Sean Hart (15:02):
Freddie and Juan.
Jerri Hemsworth (15:03):
Freddie and Juan.
Sean Hart (15:04):
yeah, yeah, and they're off. It's the whole gold
rush. You know, Gold Rushstarted, and then it's off. Yes,
more shows have come out fromit. And so Gold Rush mine
rescue.
Jerri Hemsworth (15:15):
Mine rescue
Sean Hart (15:16):
is the show that ultimately came to us and we
shot an episode and and
Jerri Hemsworth (15:21):
it just aired, just aired, yeah, yes, week so
on Discovery plus, I evensubscribed to discovery plus, so
I could see it that day. Andfascinating, because I had no
clue. I knew you were mining. Ihad no clue the danger that you
(15:44):
face when you go out and do thehard mining. And my husband and
I Brian, we said, Nope, can'tget me in there. What is it in
you? And that says I'm I'mputting aside my fear. I'm going
down in that tunnel, and I'mgonna pick at the rock. How do
(16:05):
you how do you face that? How doyou do that?
Sean Hart (16:10):
You know, it's almost second nature. We just do it.
Yeah, we don't really stop andthink about it or contemplate
it. We don't really tell ourwives about that part
Jerri Hemsworth (16:19):
not to or kids.
Keep that quiet between us.
Don't tell your dogs, yeah.
Sean Hart (16:24):
And there is a passion to what this like, what
our country was built on, beingself sufficient, right? And just
striking out on your own andbeing able to make it, and
whether that's working my dayjob and producing home loans and
(16:45):
making housing dreams come truefor families, or whether it's my
passion, digging and producinggold and just getting I can't
tell you how satisfying it is atthe end of the day to have put
so much mental and physical workinto something. And some days
it's a few dollars, some daysit's many more dollars, right?
(17:06):
But it, for me, it isn't aboutthe dollars, right? There's a
there's a poem about mining, andit's not just to paraphrase it.
It isn't so much about havingthe gold. It's finding the gold.
So going into these older areasand trying to decipher what the
old timers were doing. Why werethey doing that? Why is this
(17:26):
piece of equipment here, whatwhat was going on? And then
piecing that together, and thengoing in and making your own
discovery based upon, perhaps aroadmap or design that someone
else had done before you 150years ago, and then piecing that
together, and then putting theeffort in, and then you hit
something, and it's reallyrewarding, right?
Jerri Hemsworth (17:49):
Yeah, yeah, overcoming the challenges, yeah,
to get to forgive the pun, thenugget of everything,
Sean Hart (17:58):
well, I tell you, you know, nuggets are few and far
between. They're not reallysuper easy to find, right?
Because the old timers werepretty good at finding the big
stuff, right? But when you findone, I remember where I was. I
remember the spot where thatwas. I could take you back to
places I found chunks of gold.
You've seen some of it, yes,right?
Jerri Hemsworth (18:13):
Yes.
Sean Hart (18:14):
And they're almost like my kids, like people say,
Well, why don't you sell yourgold? And why don't you it's
locked away in the safetydeposit. Are you kidding me? I
don't keep it around. Number oneand number two, they're so
unique and special to me that Icouldn't part with them unless I
had to. And you know, I've hadhard times. You know, there have
been up and down. There beenrecessions. There have been a
(18:35):
lot of tough, difficult times inthe real estate business. And
I've sold gold, I've I've paidfor my expenses gold mining
before, so I have that there asa backup.
Jerri Hemsworth (18:46):
right, right.
Sean Hart (18:47):
But I also have little chunks of treasure that
you know are very fulfilling,
Jerri Hemsworth (18:52):
absolutely. And it's not about the value, it's
about the story and theovercoming what you had to go
through, and the joy of findingit, I would imagine, and that is
more precious than than theactual dollar value I would
imagine. You and I were talkinga few months ago about gold in
(19:18):
California versus other places.
Tell the listeners how much goldis in California, still.
Sean Hart (19:28):
more than you can imagine, more than your your
finite brain can encapsulize,right? There's so much gold in
California that we literallycould have a different country
and a different world around it.
California is the number onestate in the United States for
gold. Oregon has gold. Nevadahas gold. Arizona. There are
quite a few states where goldhas been commercially mined
(19:49):
throughout the United States,but California truly is the
Golden State.
Jerri Hemsworth (19:56):
Unbelievable.
that I was always taught, youknow, Sutter's Mill and the gold
miners, and I thought my, my ownperception, was okay, they got
the gold out of California.
Sean Hart (20:08):
Oh, no,
Jerri Hemsworth (20:08):
I'm done.
Sean Hart (20:09):
No, no, no, no, no.
Jerri Hemsworth (20:10):
And that's what, when you and I were
talking, I had no idea thatthere's that much gold left and
still can be mined. I mean, forgenerations to come, I would
imagine.
Sean Hart (20:23):
Oh absolutely, it would be life changing if we
were allowed to get in and go,go back and claim what's there.
Jerri Hemsworth (20:31):
So now, circling back to your profession
and working with clients. Do yousee, I mean, as an outsider, I
see the parallel. Do you see theparallel between working so hard
for these clients that mighthave challenges, and also what
(20:53):
you do with gold mining?
Sean Hart (20:55):
You know, I didn't to me. It's kind of second nature.
I you know, breaking into thereal estate business and the
mortgage business wasn't easy atthe time. I did it okay. I've
had huge obstacles with interestrates and clients and bad credit
and lots of other reasons
Jerri Hemsworth (21:13):
kind of out of your control.
Sean Hart (21:15):
very out of out of control, right? Yes. So to me,
it was just, I have to supportmy family, right? Got a
mortgage, got overhead, carinsurance, bills, health
insurance, all the stuff we allhave. I gotta get busy. Okay. So
I got busy, and I didn't realizethat I was working just as hard
at piecing difficult loanstogether for people as I was in
(21:40):
my passion out trying to findpieces of gold, you know, and
really what it was you. It wasyou that brought it to me. It
was you that brought it to meand said, Do you really realize
these two things are side byside, that you're really doing
the same thing?
Jerri Hemsworth (21:52):
Yes.
Sean Hart (21:52):
I actually didn't. It was, it was really eye opening
and freeing.
Jerri Hemsworth (21:57):
good, oh.
Sean Hart (21:58):
when you brought that to me, it's like, wow, I'm kind
of doing what I'm supposed to bedoing, you know, like, it just
really was very freeing and andopened me up to possibilities
and new things and, and it'sactually reflecting in my my
production now at work.
Jerri Hemsworth (22:15):
nice.
Sean Hart (22:16):
you know, the staff I have around me, the the tools I
have available to me. It justmakes producing a home loan for
a family a lot easier, a lotcheaper, right, and fulfilling
for both parties, right? It's awin. Win. The customer gets a
great experience and home, and Ifeel great helping them.
Jerri Hemsworth (22:39):
I bet there are no mistakes. Sean.
Sean Hart (22:43):
thank you for pointing that out, because it
really, has really put a springin my step.
Jerri Hemsworth (22:48):
That's good.
Sean Hart (22:49):
It's easy to get, you know, at the time where we're
talking about this, interestrates are not in the best place
right at all, and actually beengoing up. So it makes it even
worse. So it's really easy tofocus on the negative sides of
things, right? Oh, I can't dothis because of this, or, Oh, I
can't because of that. And, youknow, that's all just self
defeating, like, step on that,that thing and throw it out.
(23:09):
Okay? And when you brought thatto me about about tying those
two things together, it's likethe determination. When I'm
tired at the end of the day andI haven't gotten a lot of gold,
that doesn't stop me I get thenext day, and I work even
harder, right? Well, I'm doingthat at work, and I've done it
at work for decades, and I'vehelped 1000s of people, right,
right? And I just didn't tie thetwo together. And since you
(23:30):
brought that to me, I tell you,it's just very freeing. So thank
you. Thank you
Jerri Hemsworth (23:34):
You're very welcome.
Sean Hart (23:35):
It's been a real treat. You've really helped me.
Jerri Hemsworth (23:37):
Thank you. I'm glad. I'm so glad, and I know
your reputation does trulyprecede you for helping the
clients who might have adifficult situation, and for
what you do for them at CMG HomeLoans is really, really awesome
to hear. You know, we do talkabout you behind your back. I'll
(23:59):
just be right up there with youabout how amazing the deals are
that you do for clients, and youjust need to know that when we
do talk about you, it's allamazing, great stories. So
Sean Hart (24:14):
It's advocacy, it's client advocacy, and it's not
taking no for an answer, right?
I just don't take no, and I'm aclient's advocate to the last I
really am.
Jerri Hemsworth (24:24):
That's it. So thank you for being that because
somebody who's not in thatindustry and not really knowing
that industry, it's a littlescary when we come and say,
Okay, we need to either refi orhome equity line of credit, or
we want to sell, or we want tobuy, and we put a lot of trust
in in people that are in theindustry, like yourself, and we
(24:48):
just don't want to be ripped offor anything like that. So what's
beautiful is to be able to referpeople to you and say, Don't
worry, Sean's got you. Sean'sgotcha, this is you're you're in
such amazing hands, and thankyou for being that person that
we can refer people to.
Sean Hart (25:07):
You're welcome.
You're welcome. I love it
Jerri Hemsworth (25:09):
Thank you so much for being with me today. I
really love your story. We justpublished it in the q3 2024,
issue of Echelon ProfessionalMagazine. You can check it out
online. It's it's such a I couldtalk to you for hours about
mining, because it's such aforeign thing to myself, and I'm
(25:31):
fascinated by what you love todo. Thank you.
Sean Hart (25:35):
Thank you. Thank you.
Jerri, It's been my treat.
Jerri Hemsworth (25:37):
Ah, love it.
Thanks.
Announcer (25:47):
Presented by Echelon Business Development. More than
just networking. Way more.
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