March 14, 2024 • 48 mins
Cynthia studied Business Administration, but she like the life artistic kinds of stuff, she also modeled when she was younger, coordinated beauty contests, and worked in TV. Cynthia became a yoga instructor because practicing and teaching gives her clarity, and mental health and helps her body and spirit, as she was doing this she decided that she wanted to help people find their forever homes, and reach their dreams and this is why Cynthia became a Realtor, and has been enjoying this for the last years. It has its ups and downs, but the sensation that you feel at the end when clients get their house, does not compare with anything.
To Contact Cynthia Sosa
Call or text 956-789-5748
Email--cynthiasosa@kw.com
https://cynthiasosa.kw.com
Visit Our Podcast Page
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Contact Hard Working Mortgage Guys
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Rick Ripma NMLS# 664589
Call or Text 317-218-9800
Email--rripma@advisorsmortgage.com
Ian Arnold NMLS# 1995469
Call or Text 317-660-8788
Email--iarnold@advisorsmortgage.com
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Ian Arnold (00:00):
Hey, Rick, we had Cynthia Sosa on here today. And
(00:03):
she is a guru. And she, shehasn't been in the business for
a long time. But the knowledgeshe has picked up and the
numbers that she's doing makesher a guru. Yeah, I find it's I
just always find it veryinteresting when you get
somebody who's moved here fromanother country. They, they
don't don't have a lot of timeliving in Indiana. And yet
(00:26):
they're able to take gm intoreal estate and be successful
because it's not an easybusiness to be successful. And,
and she was she's one of thosepeople who know how to do that.
And she's also sounds like verygood at controlling her time.
Correct. Which is awesome. Andthat's something huge for most
real estate agents is timecontrol. So if you are a newer
(00:47):
agent wanting to
Rick Ripma (00:49):
get into the business, definitely listen to
this. She is a phenomenal agent,you need to listen in great
stores, fantastic stores.
Ian Arnold (00:59):
Welcome to indies, real estate gurus, your ultimate
guide to the dynamic world ofreal estate in Indiana. And I'm
recruited by your hard work andmortgage guy and I've been in
real estate and mortgages forover 24 years.
And I'm Ian Arnold, a loanofficer on Rick's hardworking
mortgage team and we are bothwith advisors Mortgage Group
together will empower you withexpert advice market trends is
(01:22):
assessable stories
Rick Ripma (01:23):
from Guru realtors and local experts. Whether
you're a homeowner and investoror pro Join us as we navigate
the thriving in the real estatemarket.
Ian Arnold (01:32):
Now get ready to unlock the doors of success. One
episode at a time.
Rick Ripma (01:39):
Cynthia Sosa you're a real estate agent. I am. And
you have a very interesting lifethat you've that you've lived.
And we want to hear about that.
We want to hear where you camefrom, you know where you where
you grew up? How you how youended up here in Indian, Indiana
and Indianapolis. Tell us thatstory. Well,
Cynthia Sosa (01:59):
I'm from Mexico, in a little town called and Pico
next to the coast. Woodside inus used to the beach the whole
time. So that's one of thethings I miss right now. And but
since I was little kid, I wasalways looking to design my own
clothes, you know. And I likedthat. So when I were living
(02:20):
there, part of my lie was in thefitness because the other thing
I like and then so working onthe TV in some fashion, things
that we have there. Like we'llsay that it's not Miss Universe,
but something related to beautyin Mexico. So I designed some
swimsuits for those ladies, andso comfortable on TV, I think
(02:45):
so. And then I was like tryingto combine with my fitness
activity. Like, I think since Iwas like 15 years old. I don't
want to say my age right now.
But yeah, it's a long time ago.
Then I have worked in verydifferent times was Julie, I was
managing Julie. And they movedfrom my city. And I then decided
(03:10):
and like that city and a combatto my city again. And then I met
my husband by not mistake bycasualty. I think I went to the
border in Mexico with Yusei forwork, okay, and we met like
seven years before nothinghappened seven years after we
click. So he was living in USA.
So I move and then my lifechange like 80% I think so no
(03:33):
more fashion stuff. Yes, keepgoing with my fitness
activities. But I moved to usteaching us yoga. And I've been
doing yoga for about 12 years, Ithink. Yeah, in Texas. So Texas
No, well, yes. A lot of peoplespeak Spanish. So you don't need
(03:54):
to speak like every time like inEnglish. But when I was
teaching, I had to because Ihave some people who speak
English some people speakSpanish or maybe crazy. So one
day will say you know, guys,English for everybody. So
everybody understand left, rightup, down. So let's do this. And
then I stopped practicing myEnglish and then definitely,
life happens again. And myhusband got this job in Kokomo.
(04:19):
And he's show me would you beable to or open to move to
Kokomo and say show me on themap work was Coco Mona Well, oh
my god is too far away from whatI'm used to, you know, there
will if we have to do let's dothis. So we moved to chemo
before me three months beforethat I did. And I came after
(04:43):
because it needs to take care ofthe movie and stuff. But I was
living in Texas. I was thinkingin coming to real estate when
this thing started happening. SoI decided wasn't a good time.
Because if you did that, takethe test in Texas. Does and you
move to another state you needto take another test and say no
I'm not doing that. Because Ihave there in the past is a very
(05:05):
difficult test so say no for me.
So we move to COCOMO it becauseall my life I was thinking in
this calmer movies, and I wantedto live always in this small
town with you know, ChristmasEve Lila beautiful. So we moved
to go como se no, I don't likeCoco. Sorry, guys. Ronkonkoma.
(05:26):
And then my husband showed me.
This area's was filled Carmel.
So we moved to Westville. Burg,I need to drive 45 minutes every
time. But then COVID game atthat time I was teaching you as
you're hitting some studios. Andso you know, we need to stay
home. So say, Well, I think thisis the time to start studying
(05:46):
real estate. So I got my licensein the 19 to 19 2019. Yes. Are
beginning of the next year. Sosince that I've been doing real
estate. So here I am. Yeah.
Rick Ripma (06:01):
And so yeah, it sounds like you've always been
interested in real in realestate. It was always in the
back of
Cynthia Sosa (06:06):
your mind. Yeah.
Well, I mean, I like houses,like, you look at this shows on
the TV and the fancy things theydo in the new imagine that is
the live realtor. And it's not,you know, but yeah, doing open
houses and showing houses forclients. It's something I like.
So today in the afternoon, Ihave five houses show to a
(06:27):
client. So I really like thatpart a what is a little moving
you from your comfort zone iswhen you're trying to negotiate
a contract. So it's one part isasking one thing, other part is
asking other things, but onethat once you pass that
everything that goes live super,you know, can say easy. And
yeah, I like these because Ilike people. As you can see, I
(06:49):
like to talk. And I like todrive. So it's fine. I like
that. So
Ian Arnold (06:56):
let me ask this since you brought up a little
bit. So what was themisconception that you had prior
getting before you got into realestate was an exception?
Cynthia Sosa (07:04):
Well, first thing is a little miss missing
information. Or maybe we don'task those things, when we're
starting to look into realestate, we don't know that all
the fees we need to pay for wein this business. It's not an
easy business, if you look atthat site, because there's a lot
(07:26):
of fees involved just to use theMLS and stayed in an hour and
you know, things like that. Sonobody said that when you say
oh, I want to study this thing.
So you know, just do this, andthey gonna share your links and
things like that, and you go,then when you get your license,
boom, you need to pay like,yeah, a lot of money sometimes.
(07:46):
And if you don't have savingsfor that, it's like a big rock
for some people that would somepeople always lift this, this
business because of that. Thegood thing for me is I have some
finance there that I can use,you know, and yeah, there was a
bit rocks. And the other is thatthe test is is difficult. Like,
(08:07):
for example, different fromMexico, people in real estate,
well, I don't know now what inthe past, they don't have tests,
they use go to Brock garage, andthey they give you a little
courage, you know, like do this,do that and boom, you go. And
here you need to be licensed soso my mind from being coming
from another country, and thenwe have to do these things here.
(08:31):
And it's okay, it's different.
So there's there was other thingI wasn't expecting. And then
when you need to choose yourbrokerage and you have other
fees in the brokerage anddisplay, it's in blah, blah,
blah. So there's a lot of thingssimple. And it's not that fancy
war that 100% of the time thatthey show you in TV programs.
(08:55):
It's not? Well, no, it'ssometimes you cannot raise like
high heels all the time. Youknow, sometimes you need to know
the end user or something.
Because depending on where yougo in, depending on the house,
the area, things like that. Andit's a lot of work to Yeah,
Rick Ripma (09:12):
yeah, it's a lot more work than most people
think. Yeah, it's like that.
Cynthia Sosa (09:16):
And oh, other thing that people maybe don't
think about it is like you needto work on your weekends. So if
you don't like to work weekends,it's not for you.
Rick Ripma (09:25):
So, so you How long had you been in Indiana before
you became a real estate agent?
Cynthia Sosa (09:32):
I think it's gonna be a little more than five years
now.
Rick Ripma (09:36):
So how it's a difficult business to get going
in. It is and so I know rightnow you're with Keller. Keller.
Williams, did you start withKeller? Williams?
Cynthia Sosa (09:46):
Yeah, well, actually, I started before I got
my license. I have aconversation with very small
brokerage. But when I got mylicense, my husband and I would
have the talk and say like, wellI was invited to go to Keller
Williams. So I went and havethat conversation say like, it's
better start in, in a bigfranchise, like in small if you
(10:09):
want to grow, mostly because asI was saying, before, I'm coming
from Texas, I knew a few peoplehere. So that's gonna be my big
rock, to to get to know morepeople. So it's that what is
taking me a little more timethat maybe other people like
agents that have been here thewhole life, senior agents, so
(10:32):
they know everybody, so it'sdifficult to compete with them.
Not impossible, but it'sdifficult. Yeah.
Rick Ripma (10:38):
So that was actually the question I was trying to get
to is, how did you get going?
Because it's it's such a toughbusiness you're not from here.
You didn't know that manypeople. Right. So what was your
process? What have you done?
Really? What have you done thatyou think has been the most
successful? Maybe something?
Maybe you've done some thingsthat weren't didn't work? Tell
us those stories? Well, I
Cynthia Sosa (10:58):
have kept some mistakes, for sure. But when I
arrived to Keller Williams, Ithink was the timing in someone
has spot for me in a small team,the husband had died. And the
lady didn't speak Spanish orspeak Spanish is my first
language. So she needed someonewho can relate with the clients
(11:23):
on the database, because Spanishshe wrote for her. So the team
leader told me that I think thisis a good thing for you get into
this stem. And I was thinking,okay, maybe it's good for me,
because I don't know a lot ofpeople I am learning because
other thing I forgot to say whenyou're learning, you think you
(11:43):
know, everything, but you cometo reality is very different. So
it's not the year, you need tokeep learning things on the
road. So I started with thislady, and I was the buyer agent,
I was hired for that. And theneventually things happen that
started not working for me,because I wanted to get into the
(12:05):
seller, side. And suppose nowtoo. And so after three years
with her, or a little less, orsomething around that, I decided
it was time to me for go solo.
But if if you really want toknow, to start learning more
things, mostly you're in mycase, like you don't know a lot
of people, it's starting with ateam is a good thing. And
(12:27):
because, yeah, they providelet's not order, let's go work.
And what these plates are big.
So you have one thing for theorder. And then after those
three years having theconversation with a friend that
is also a realtor, and myhusband is I used to do this by
yourself. Again, you're kind ofready, and I will. I don't know,
(12:50):
you know? So this year, in thebeginning of the year, I decided
to make that move. Okay. So Ithink now I don't know
everything, but I feel morecomfortable.
Rick Ripma (13:01):
Where you have quite a bit of time you've done some
you've been successful. So thatmakes, you know, going out on
your own. It's it's kind of apath we see a lot of agents go
Go on now is they they start ona team, they learn from the
team, and then the team kind ofexpects them to move on.
Cynthia Sosa (13:18):
Yeah, I think so.
I think a lot of people havehave been in the on the team for
time in the past. But then thesame thing like you, you, you
decide that you have learnedenough. And you always have
well, my brokers will have thesupport from other agents if you
need to. And you decided to gosolo for me was better because
my husband works at home. So heis the main income coming from
(13:43):
house. And so I don't say I dothis for fun, or just for fun. I
do also of course, because ofthe money was symbol, but I need
to move around his time, youknow, so I plan I can start very
early in the morning doingpaperwork, things are very late
at night. And from some pointsin the middle of the day, I
(14:06):
cannot because we have launchedso I need to commit to that.
Then my clients know that theycan text me late night, because
I'm being working. And I cananswer say always have the
conversation with them. Ifyou're open to talk to me late
night, this do it so I willanswer if I don't because I will
let you know next day orsomething like that. So they're
(14:27):
used to that. Yeah.
Rick Ripma (14:29):
Well, it seems like that because you're your
husband's working and you haveto work around his schedule, but
actually it works out wellbecause most clients are not
available for the same reasonyour husband's not available.
Cynthia Sosa (14:41):
Yeah, that's good thing is like in the old school
and it is new days, you knowwe're leaving and after COVID
everything change or most thingschange. And like, if you called
people like in the morning theywork in most of the day they
cannot answer you. So notknocking doors for me is like,
(15:02):
no, in these days, like you'reknocking the door mostly in my
neighborhood, they will call thepolice. Go No, thank you. So
there's other ways to findclients, you know? And then yes,
of course, I can move aroundother hours. Like right now, he
is like, having literallysandwich for lunch, because I
say, sorry, guy I had to. And heunderstand sometimes, like, he's
(15:26):
very flexible, in as much assome happy and He's happy. He's
everything's working, you know,
Rick Ripma (15:32):
to be honest with you. I think that's awesome that
you guys have lunch together?
Because you see a lot of marriedcouples, you got one goes one
way the other one goes the otherway in the morning. And then
they come back late at night.
And about it's kind of like,it's awesome.
Cynthia Sosa (15:47):
Yeah, we tried to commit to that. Because I mean,
he was a whole day and sometimesfinish late and sometimes late
night he's working is a good andbad thing working at home,
because he can answer, you know,anytime. And he was with people
in China and Europe, also theyare there all time and you know,
and then we commit like that. Soit's it's impossible, like today
(16:10):
or tomorrow, I have a finalwalkthrough. So say tomorrow,
you always again, when I eatalone, and say, okay, it's fine.
And is this, if I can change thehours? I can do that. I will do
that. But if it's notnegotiable, so I will stick to
the schedule. Yeah.
Ian Arnold (16:27):
I think schedules help out dramatically and making
sure you keep that schedule. SoI don't want you to cold calling
people. I don't want youknocking on random people door
and getting arrested by cops. Soif somebody's out there, and
they they're listening to youright now, and they want to talk
to you about real estate,whether it's buy sell, or they
just have questions, what's thebest way to get ahold of you?
(16:47):
Well,
Cynthia Sosa (16:48):
they can always call me to my number 956795748.
Or they can email me So Cynthiasosa@kw.com. Or just, if they
can find my information they cancall a Keller Williams and they
will call me or send theinformation. That way. We can
have coffee lunch or something.
I
Ian Arnold (17:10):
don't know you have lunch with your husband?
Cynthia Sosa (17:14):
Sometimes is yeah, we have to do those things.
Yeah. Well, yeah. Yeah.
Rick Ripma (17:20):
So your number is 956-789-5748.
Cynthia Sosa (17:27):
Correct. Good. And then let me clarify that some
people sometimes they don't wantto answer my calls, because they
say, Well, this is not from thisarea. Yeah, that's good. I'm
from Texas, originally, you knowthat. That's me. That's my
number.
Ian Arnold (17:40):
I will say there's a lot of them. I look and it says
out of state. And I go alright,I'm letting you go to voicemail.
But the great news aboutvoicemail is he leaves a
voicemail, I can hit play. Oh,that's Cynthia, let me call it
back really quick. Yeah,
Cynthia Sosa (17:53):
the what I do, sometimes I call they don't
answer because they are maybeBC. And I use libertex and put
my car on the tech. So they knowI'm a real person. The sort of
scams around. I
Rick Ripma (18:08):
think I know for me, I'll get calls now from local
and yes, those either becausetelemarketers are able to get
local number, so I don't trustthose those numbers either.
Cynthia Sosa (18:20):
I was about to say that like so my caller ID is
956. So I have a lot of callsfrom 956 and telemarketing.
Yeah, sometimes, like, I don'tknow is that I need to answer
that. And we
Rick Ripma (18:31):
kind of have to I mean, that's that's my problem
is I kind of have to answer thephone. I don't always but I call
back right away, just like yousaid. But to get a hold of the
inner I got a hard workingmortgage guys.com That's hard
working mortgage guys.com. Oryou can give us a call at
317-672-1938. That's317-672-1938. That is a call.
That's not a text number.
Ian Arnold (18:53):
All right. I'm glad you've memorized our phone
number. You did her as well. Andyou did ours. Well,
congratulations. Well, I
Rick Ripma (18:58):
read hers. I think it helps people to have hear it
a few times. So I make sure tofree few times. All
Ian Arnold (19:07):
right. So Cynthia have a good question for you. So
we're going to take a step awayfrom the real estate side. But
if I get take away your phone,you cannot work. Somebody else
will help out. Don't worry, yourcustomer will get taken care of
but what do we catch you doingfor fun?
Cynthia Sosa (19:24):
For fun? I used to be phone lady I think so, so my
husband likes like being homemost of the time. So what we
enjoy is watching moviestogether. And we like to stay at
home watching the movies becausewe have this big sofa we can lay
(19:44):
down itself and put pauseanytime and go in and come back.
So that's what we do for fun andtravel. We travel a lot. We like
that as well. We put our moneyvacations.
Ian Arnold (19:56):
So what's what's one of your favorite movies?
Cynthia Sosa (20:01):
I like like mystery movies. Okay, yeah,
mystery movies or like TVprogram like CSI, you know, like
trying to figure out who was thekiller? Yeah. So those I just
watched by myself because myhusband hates that.
Rick Ripma (20:19):
So, where do you travel? Where's your where's
your favorite spots to travel?
Cynthia Sosa (20:24):
I'd say I would like to travel abroad like last
year. We took long vacations, weneed that. We went to Maldives.
We plan and dad. And then myhusband likes the f1 the Formula
One races. So we have to stopAbu Dhabi say, oh, that's the
(20:44):
Abu Dhabi Formula One, let's sayhere. So we stay for the Formula
One and two, we drive around.
And then we here to work inItaly. So I went with him. I
didn't I wasn't working. I wasjust having a good life.
Ian Arnold (21:00):
Oh darn.
Cynthia Sosa (21:03):
Yeah. And then we came back.
Rick Ripma (21:06):
So what does it what does he do? It sounds like he
has an interesting engineering
Cynthia Sosa (21:09):
manager. Yeah, electrics for cars. Okay.
Rick Ripma (21:13):
So he's a car guy.
Yeah. He
Cynthia Sosa (21:15):
always calls meetings the whole day. Yeah.
Okay.
Rick Ripma (21:20):
Well, that sounds like fun. So getting off that a
little bit what what would yousay your superpower superpowers
are?
Cynthia Sosa (21:27):
I think like relating with people and
talking. Once they startedtalking with me, I don't know
guys what you say what theystart loving. So they want to
continue with me user. Yeah.
Rick Ripma (21:40):
That's that's important. Yeah. Yeah. I was
helping you flew or something. Ididn't know if there was some
school. Oh,
Ian Arnold (21:48):
being able to talk to people is a great superpower,
especially for a realtor. Yes.
Rick Ripma (21:54):
And it's really helpful when we have them on our
pot. Yes. Yeah. Now you alsoyou're a yoga instructor. So how
often do you do that? Do you dothat?
Cynthia Sosa (22:05):
Well, when I was in Texas was my full time job. I
think I have like 15 classes perweek. And I did private classes
for some people. So I have goodmoney. And in Texas for that.
Then when I moved here, look atin Texas, not everybody with a
lot of people knew me. Because Iwas doing that. I was part of
(22:26):
the some yoga teacher trainings,helping them. So like, I like
that too. You know, I like to beinvolved with people. Then when
we move here, it was again, samething like starting from
scratch. Nobody knew me. So sayI'm going to great teachers.
Would you say that? I don'tknow. So I have less classes now
in which is okay, because beinga real estate, you need to be
(22:51):
available in some hours. Like,for example, this way, I covered
some classes for some teachersand the studio. So some people
call me can you that I know Ihave to teach this class. Sorry,
I cannot. So I have to have moretime now available in the
mornings also. And of course, inthe afternoon. Afternoon is no,
(23:13):
no, no. Your says no one elsecan go. I will go.
Ian Arnold (23:16):
No, no, you just need to invite them. Hey, come
to yoga. We'll talk real estateat the same time.
Cynthia Sosa (23:21):
That's what I say your classes also Well, first
thing because keep my mind sane.
You know, like, I mean, I needthat to clean my mind. And
teaching helped me a lot becauseI know I'm helping people in
another way. So they appreciatethat. Would you make some
adjustments on the body orsometimes some people cry
sometimes when you're talking tothem, like you start talking as
(23:43):
teaching, and you touch somefibers and some people and they
start crying?
Rick Ripma (23:51):
That's not gonna happen with us? No.
Ian Arnold (23:53):
Please make him cry.
Please wake up. I will saythat's one thing I think through
COVID and everything. Everybodygot a mental health check in
their mind now. All right, whatdo we got to do to stay mentally
healthy and stuff, especiallywith different people? Like for
instance, your husband workingfrom home all the time, it's a
different than walk in theoffice able to talk to many
different people? Yeah,
Cynthia Sosa (24:17):
well, he preferred that. I mean, he shared a drive
in the 45 minutes ago como soOkay, nobody
Ian Arnold (24:22):
likes Kokomo. You're good.
Rick Ripma (24:26):
You ever visited Kokomo? Yes. Kokomo has some
pretty cool, thanks. I think.
Yeah, it's nice
Cynthia Sosa (24:32):
just to base it.
Yeah, no, and I have some. Ihave some friends. They're like,
sometimes I go, but when youstart getting busy, or busier
like 45 minutes you're drivingto meet a friend is difficult.
Yeah, that's hard. Yeah, no, youstay one hour with a friend and
then come back again for fiveminutes.
Rick Ripma (24:50):
There's more to do here. There's no question and
most people who live in Kokomocome here for entertainment.
Cynthia Sosa (24:56):
I have a good very good friends and COCOMO there
are a couple and They come oncein a while to visit or we have
dinner, things like that. Andwhen they will say, Well, maybe
it's time for us to go to Kokomoso you don't need to drive. And
they say, No, it's fine becauseyou have more places to go.
Yeah. Okay, fine with me. So I'mjust
Ian Arnold (25:15):
gonna make a point.
And we can be done with it. Butthey did make a highway around
Kokomo so you don't have to gothrough it anymore. Yeah.
Unknown (25:23):
They did that to Indianapolis to it's called for
six. Yep. And we don't go inthere either. So what's your
point? Oh,
Cynthia Sosa (25:31):
four, six, if I live 530 to 530. To fight areas
horrible. Yeah, yes. Yeah,
Rick Ripma (25:38):
they're the that road around Kokomo is a huge
blessing because you used to gothrough Kokomo and it was all
white. Yep. Took for ever now.
It's a beautiful thing. Yes.
Yeah.
Cynthia Sosa (25:49):
It's nice.
Rick Ripma (25:52):
I like Kokomo but I'm obviously in the minority.
Well,
Cynthia Sosa (25:56):
when I was there, we were live in an apartment.
And we like that. So when wedecided to move here with this,
I went more space. And we havemore space that we need now. So
we will remember times theapartment was like less kind of
nice. The only thing is likewhen you were parking the car
stay outside and when it'ssnowing. So yes. Not a good
(26:18):
thing. You know, we
Rick Ripma (26:19):
were talking to somebody and they had they were
talking about how they had toscrape their car off that
morning. And I was like, Yeah,you don't have to do that. If
you have a garage or carport oneof the
Cynthia Sosa (26:29):
so wasn't that was important. Oh,
Rick Ripma (26:31):
that's never that's never
Ian Arnold (26:32):
speaking of snow. Do you ever wish you move back
further south because of it? Oh,yeah.
Cynthia Sosa (26:38):
When we were in Texas. Well, the when I arrived
here the morning I listen. Yeah,the morning I left Texas. We
were 105 like noon. So when Iarrived here was 30 degrees.
That was my first shock like, ohmy god, I dropped I cry like
crazy. gala is a god for me. SoI wasn't prepared for that. Then
I was waiting for the snow tocome. You want to see the snow
(27:02):
and you know, make angels in thesnow. And the first day we're
like, Oh, beautiful snow. Soit's nice Thursday. Hey, I don't
want it anymore. Well, we don'tget much. No, the lesson we have
more I think this year we've hadhardly anything. I don't do what
I want to have more.
Ian Arnold (27:20):
Now. We're I would say we're roughly done. But
we've seen it in April. Not itdoesn't happen very often
Rick Ripma (27:26):
not past the basketball. Yeah, you need to
get back past basketball for themost part. That's that's kind of
what Eric because I've been heremy whole life and you can get an
April. But it's like a lot oftimes we'll get something
through the tournaments,timeframes with basketball. So
just pre prepared,
Cynthia Sosa (27:44):
but not that kind of big accumulation.
Rick Ripma (27:47):
That's the other thing. I mean, we've had one
snow that came in the middle ofthe day, that was four inches.
And then within two days, it'sgone. It was gone. So we've had
nothing this year. It's beenbeen very, very good. Now you're
also a health coach. What isthat? What how do you do? Well,
Cynthia Sosa (28:03):
when I was in Texas, like have kind of hours
free. And I went and went intothis internet school. And so are
starting for that get mycertification. So culinary
nutrition expert, is there.
Okay. Yeah. So they teach youbetter ways to it. So instead of
adding days, it that so you canplan you know, so it's, it's not
(28:28):
like it in like things thattaste good, is things that are
good for your health. So when Iwas there, I was teaching people
to do that. And I have cookingclasses at home. So that part I
like it. And there wasn't athings I'm missing when I was
there. I have a small island andmy kitchen because I was
(28:52):
smaller. So I want to have alonger Island to have more
people for my cooking classes.
So I move here, and I have now abig island. And I Well, it's not
that I can do that. But samething, since you don't know a
lot of people. So it's difficultto start again, you know, so as
I used to go to have one fightso is the real estate, so I
(29:13):
cannot get like to know so athome, we try to get as healthy
as we can. And when I was inMexico, I was not vegetarian
100% But I was in less meat thanmy move here and my husband, he
likes it so so we have that guyin the middle. You know,
(29:35):
sometimes we have red meats ormother days we don't. And I do
things from scratch like thesalsa for the pastor, and some
dressings and breads and thingslike that. That's a well wait at
home. And if someone asked me soI would be happy to to help with
that.
Ian Arnold (29:53):
Yeah, so what's one of your favorite things to make?
Cynthia Sosa (29:57):
It's a pastor. I love pastor. Yeah.
Ian Arnold (30:00):
All right, so what time are we coming over or? No?
Rick Ripma (30:08):
So we had we had an agent on she was from Russia.
And one of her her things thatshe did with her clients as her
client appreciations, and evenwithout, I mean, it didn't they
didn't have to be a client ifshe would have them to her
house. And cook. Oh, that'snice. Yeah. I mean, you could do
that and teach. I mean, there'slots of people who'd like to
(30:28):
learn how to
Cynthia Sosa (30:29):
cook. Yeah, we can plan on that. Yeah, I could get
you could, you know,
Rick Ripma (30:33):
take care of two things at once. You could, you
know, and you can still enjoyit. But she did really well.
That was her biggest way ofgetting clients was was her
cooking.
Cynthia Sosa (30:44):
Group and Facebook from women's creating
friendship, and Westfield. And Iwas gonna go with them, but they
always pick the the meetings orcoffee times 11am In the
morning, so it makes a conflictfor me because 11 to 12. So I
cannot be for lunch. Right? Sobut yeah, maybe I need to invite
(31:04):
them like, Sunday, Saturday,person. Um,
Rick Ripma (31:07):
it's just something that we and she's done really,
really well with it. So it'd bemight be
Cynthia Sosa (31:12):
a great idea. I need to hire you.
Rick Ripma (31:15):
Not to cook. The cook.
Ian Arnold (31:21):
Alright, sure. So somebody's listening to this
right now. And they want to belike, Hey, let's have lunch with
her, let's, or lunch when she'snot having lunch with her
husband. But let's have lunchwith her. And they launch lunch.
They want to sit there, theywant to see your island. They
want to make food with you.
What's the best way being intouch with you?
Cynthia Sosa (31:41):
Like calling me to my number again? 956-789-5748.
And if I cannot answer becauseI'm in another call or busy
doing work, they can just leaveme a text. And yes, I can call
and text back. So
Rick Ripma (31:55):
they can call or text 956-789-5748 Correct. I get
that right. Yeah, so956-789-5748 Correct. Perfect.
All right. And to get a hold ofeither I go to hard working
mortgage guys.com That's hardworking mortgage guys.com. Or
(32:16):
you can give us a call at 317.
CDC what you did to me,
Ian Arnold (32:20):
telling me you just have issues met from Fire Phone
number, just maybe you shouldwrite it down so you can read it
to
Cynthia Sosa (32:25):
element
Rick Ripma (32:27):
31767 to 1938. I've got it written down to places I
can't see. 31672 1938 That's mynumber. There you go. I do need
to I'm gonna start writing itdown right here on the page.
Ian Arnold (32:42):
All right. So we always have the question of the
week so I was really
Rick Ripma (32:47):
interested in this one very alright. Yeah. Yep.
Cynthia Sosa (32:49):
All right. Oh, my God.
Ian Arnold (32:51):
What was your first car?
Cynthia Sosa (32:53):
Oh, I have a Volkswagen. That all was bagging
the bag the bug? Oh, yeah. So
Rick Ripma (33:02):
what Yeah, you were what year?
Cynthia Sosa (33:04):
I don't know. When I was at the University I think
was 1989 She's
Ian Arnold (33:13):
not trying to give her he was watching out on this
one. I was
Cynthia Sosa (33:18):
comfortable with
Rick Ripma (33:20):
63 bugs and 2000s are still popular. Yeah, I'm a
car guy like your husband. Iliked
Cynthia Sosa (33:27):
the beetle. Didn't you knew you know what my
husband hates that so I imaginedmyself driving that car and say
no. So I'm buying the carsthat's not a no carbon storage
drive now. Sentra because it'slike efficient with the gas so
spacious so that's myrecommendation for renters don't
(33:50):
get in a car that's veryexpensive like use a lot of gas
so yeah,
Rick Ripma (33:55):
a lot of gas
Ian Arnold (33:57):
a lot of yards and you put a lot of miles
Cynthia Sosa (33:59):
a lot of miles so you need to be a car that is
functional. And it is hot airconditioning is a warm settings
with depending of the time ofthe year so heated
Rick Ripma (34:08):
seats. Yeah, I'm guessing you'd want heated
seats. Yeah, yeah,
Cynthia Sosa (34:12):
yeah, it goes they have letter sets which is the
other the only way this car wecan buy this car because what
all the things we wanted it waslike that. And in when it's
summer they're very hot and awinter they're very cold. So
Rick Ripma (34:29):
I love leather seats.
Cynthia Sosa (34:31):
I don't I do but if you want the windows up and
down the quality of the sideroof and other things and other
stuff like they have so yeah,
Ian Arnold (34:45):
go to the top of the line and automatically gets
leather you'll
Cynthia Sosa (34:48):
need to letter so yeah, yeah,
Rick Ripma (34:50):
others better.
That's why I prefer
Ian Arnold (34:52):
leather and then my heated seats from almost October
to April is always on heatedseats feel so good. And so good.
Rick Ripma (35:03):
I didn't think you were that cold. I'm not now
you're sounding like me. I'malways freezing. So you're
you've got all this stuff goingon. What are you most excited
about in your in your realestate business right now what?
As you look out into the future,but
Cynthia Sosa (35:20):
right now as this is kind of a new beginning for
me, I was very excited. Like,last week, I just bought my new
signs because I didn't havepersonalized signs because
everything belongs to a team. Inour going to pick my signs, I
feel like oh, this is goodthings I'm going to show myself
to people now they're gonna getto know me. Yeah, so my name and
(35:41):
things like that. So I'm excitedlike that it that point. And
also, this year, I have my threefirst new constructions deals.
It was a new thing for me,because I have never been in new
constructions. And I love them.
I would like to have more newconstruction clients. It's kind
of easier in some point, youknow, but because you do a lot
of things for your clients. Butonce you pass that point, the
(36:05):
builders, they do most of therest of the things. Yeah. So
Rick Ripma (36:12):
I spent 11 years with a new home builder. Yeah.
So you know, so I know exactly.
Yeah, it can be. There's,there's, there's benefits to
buying with a builder, and thenthere's negatives to buying. But
right now, there's not much onthe market. So a builder is a
good alternative, I would guess.
Cynthia Sosa (36:31):
Yeah, the thing is, like, if depending how much
you're pre qualified, you canget a new construction or not.
That's a sad thing for someclients. And yes, I this, we're
shortage and houses right now,our client, so we're gonna drive
in the afternoon, they have thecash or buying cash for the
(36:51):
houses. So and they have theprice range they're buying and
some houses. They're not verygood. So in well, the seller
always can put the price but wewon't see the house sale. No. I
Rick Ripma (37:07):
read something, you probably read it too, that 32%
of the homes sold in Januarywere cash deals. No 32%, the
highest it's ever been.
Cynthia Sosa (37:16):
Because the rates also, you know, there have been
coming up and down. And somebuyers don't feel comfortable
with that. And they decide topause. Yeah,
Rick Ripma (37:27):
I find it interesting, because I don't
know about you guys. But if Iget a lot more than seven or 8%
on my on my money that'sinvested right now, because the
markets doing really well. SoI'd rather have my money in the
market and pay seven or 8%.
Personally, but not everybody isthat way. Yeah,
Cynthia Sosa (37:44):
there are some people like the people have by
right now. It's they're rentingand they want to get out of the
renting. And you know, that'sbetter paying for your mortgage
to pay in rent.
Ian Arnold (37:57):
Because rent is what
Cynthia Sosa (38:00):
percent? Yeah, one of my body or laws being pre
approved and in the the amountof money who's going to pay now?
Monthly is less than the rent inwho was paying, you know?
Ian Arnold (38:13):
Yep. Yeah, that's, that's what happened. My wife
and I is when we were gettingpre approved and everything I'm
like, are our payments gonna beless than what we're paying
right now in rent? This isawesome.
Cynthia Sosa (38:24):
You create an equity, you know, and when
you're renting, you're likeputting your money on the
Gerber's paying other peoplemortgages. Yeah,
Rick Ripma (38:31):
we have a great program that puts that all
together that people canactually see what what you
actually gain by buying a house.
It's amazing. Yeah. When youactually it's easy to talk
about, and people kind of, youknow, you kind of go okay, I
kind of get it. But when you seeit on paper, when you see it and
written out and you see what itactually does for you. It's
phenomenal.
Cynthia Sosa (38:52):
I think that some people just need to be more
educated. They don't know a lotof things. It's lack of
education. Yeah, that's what ishappening sometimes.
Rick Ripma (39:01):
Yeah. And it's it's scary to some people. No, hmm.
Cynthia Sosa (39:05):
I understand that.
Because some big commitment.
Yeah. Yep. Buying a house. Yeah.
Ian Arnold (39:10):
But it loud. People say it's a huge commitment. It
is a huge commitment, becauseyou're making payments. But the
other thing is, is let's say infive years, you want to move,
move. It's the same thing. Andthen you got equity, you've paid
into it. So your principal yourprincipal is went down, and then
you've gotten equity usuallythroughout the five years. All
(39:33):
right, you sell it. Yeah, move.
I mean, it's the same thing.
You're going to move if you'rerenting out. I mean, most people
when they jump from one place,they'll live there for a couple
years and they'll be like, ohwell the rents going up let me
move somewhere else or somethinglike that. So it's the same
thing. Just a little differentway. I've always explained it.
Cynthia Sosa (39:50):
Here's like when other this talks that I have had
with some clients like theyprequalify for too little, and
there's what they can buy rightnow. and put it on their minds
that with the money they havenow this is the houses that came
by and try to understand thatsay like, what do you need to
commit to this house forever. Soyou can save, or eventually you
(40:11):
can sell this house and getanother house bigger. So but you
need to start at one point, youknow, get you out of renting to
get in your house. You
Rick Ripma (40:21):
know, one of the things for buyers like that,
though, that if they think aboutit, if they could find a, a
double or a triplex that theyliked that they could live in
one side rent out the other,then they can afford a lot more
home because you can count thatrent. Yeah, you know, and so
sometimes, you know, it's just achange that, you know, you're
still better off doing thatyou're renting anyway, you're
(40:43):
probably in an apartment with abunch of other people. If you
own the property, it's a twounit, you rent the other side.
Yes, you got somebody next toyou. But isn't that better than
an apartment now you own theproperty? And then as you do
that, you can move to the nexthouse and keep that as a rental
if you wanted to. Yeah,
Cynthia Sosa (41:00):
mostly you're paying your mortgage with the
rent next to you, which is huge.
Yeah. And in time, you can runboth and get your another house
pushing afford
Rick Ripma (41:09):
more house because you can use the route Exactly.
That so it can make a lot ofsense for somebody to look at
doing that. And I just I justthink it's one of those things
people forget about but there'scertainly an option there. But
you got to be able to find thedouble or the triplex or the
four Plex or whatever it is thatyou're going to do.
Cynthia Sosa (41:27):
Is it that sometimes with some people, they
don't want to make that smallsacrifices like living for two,
three years, you know, becausethey want the space the
backyard, things like that. Butyou can do you can have that
later, you know, and then if youhave investment properties, but
Rick Ripma (41:44):
if you don't have it now, okay, so you're living in a
park this is what always italways intrigued me when the way
people sometimes think throughthis. I live in an apartment. I
don't have a backyard. I want abackyard. Well, I have to buy
double Why don't get I don'twant that because I don't have a
backyard. Well, you do have abackyard it's just a little bit
different because you're sharingit a little bit. Sometimes
you're not sharing it all. It'sit's still the fence down the
(42:05):
middle. But you can accomplishit. And yes, it's not perfect,
but it's better than living inan apartment for another three
years to save up the money byfinancially and your whole life
is better because of that. So Ithink sometimes we just have to
get over what the perceptions wehave in our head. Well, I know I
do there are you know, you thinkyou got this goal and you got
(42:28):
this? But it's okay sometimes tonot do it exactly the way you
were. Yeah,
Cynthia Sosa (42:32):
I mean, sometimes we we have some thoughts in our
mind, and we need to dodifferent circumstances. And
then you can put that in yourmind again for future you know,
Yep, yeah, I agree. All
Ian Arnold (42:46):
right. So I like to hear stories. So I bet you have
quite a few but what do youconsider one of your most
memorable transactions?
Cynthia Sosa (42:55):
Well, what can I say anything fast? Like my first
transaction the was was not easytransaction will let me say that
I work with items also peoplewho doesn't have social number,
right? And it's like very carthing to do sometimes because
(43:22):
they need special thingsdifferent paperwork. So this
lady was in that situation. Andwe have this lender that I met
and one of meetings I have andshe was helping us like he was
very helpful with that in askingfor things and trying to explain
the it in person so you need todo that and it put it on the
(43:47):
mind that they have to do thatbecause they things were
different like social number andthen they wanted a house a 300
and then it was like the rentingthey don't have the proof they
were renting you know, what wasthe order things to pass and
they were like us pulling somestrings and other strings and
(44:10):
strings and the first thing wasto we find the house we found
the house and it was like in arural area and at the house
needed a lot of things to do butthey they say we don't mind we
we can fix this on time. We wantthis big land so my kids can
work around so we put the offerjust as the price was listed and
(44:34):
I will say that I don't knowthey're gonna take the offer
because at that market and thatmoment there are more people
valuing so loads of offers. Andthere will sit in and they were
like well, let's see whathappened there when I went to
check my email next morning andI this guy is so enthusiastic is
from my office also. Guestticket offer I was excited about
(45:01):
my thing. So I call her and shewas very happy. And since now,
they keep me top of mind. Soalways sending referrals to me,
because they have that very goodexperience with me. And I really
appreciate that. And so that'sthe way I try to build my
business. They keep that goodimpression on clients. So they
(45:22):
remember me. And that's yeah,that's what's my first thing?
Rick Ripma (45:26):
Yeah. Well, that's, that's the biggest compliment
you can get as they refer peopleto you. Yeah, you did a great
job.
Cynthia Sosa (45:32):
I always I will say the last time say I
appreciate it was send mereferrals and say, I will keep
sending because they were greatwith me. I was remembered and
Scylla. Thank you. I need tosend her something. I
Rick Ripma (45:43):
do work a lot with the i 10. Yeah. When
Cynthia Sosa (45:48):
I was on the team, this guy was Hispanic and speak
Spanish was living here for mostof his life. And the database,
they have a lot of IT people. SoI get to learn how to work with
them, and try to help them. ButI have both sides. So you can do
both? Yeah, I can do both. Yeah,for sure.
Rick Ripma (46:10):
I think that's a huge thing. I want to be able to
do both and know some of thehurdles that you're going to
have to go over, especially withitin and when we do add them to
that there's certain hurdles, soyou just put it up front and
okay, hey, I'm gonna need this,this and this, let's see how we
can get this stuff. It's awesomethat you're able to help them
because I know a lot of peopleare just basically soon as they
(46:33):
say that go up. Nope, we can'thelp them. And that's it. Yeah,
Cynthia Sosa (46:35):
there's some people, they don't want to work
with them. Because it's hardwork. You know, it's hard work
for the lender also, and for therealtor because you you need to
start educating them about theprocess. And that's very
different from regular processconventional or, you know,
social number. And then theyunderstand that then they accept
(46:58):
that, you know, because whatwasn't the big part? They they
accept the situation? It'sdifferent.
Rick Ripma (47:05):
All right. So if somebody's listening to you
right now, and they're, theyhave questions about buying a
home selling a home, orquestions, they have an ITEAD.
So what's the best way they getin touch with you?
Cynthia Sosa (47:17):
Call me or text me to my number 956-789-5748? I
don't answer please leave me atext and I will call them.
Rick Ripma (47:27):
And that number again, is 956-789-5748. And then
your email is really easy. It'syour first and last name@kw.com
Very
Cynthia Sosa (47:38):
easy. You will remember that.
Rick Ripma (47:40):
Cynthia Sol Sol Sol sol. Sol Sol is impossible to
forget.
Ian Arnold (47:43):
Yeah. Especially around here. Yes, Sammy. So
Sammy. So
Cynthia Sosa (47:47):
one day one person asked me if I was related to him
sailing. No.
Ian Arnold (47:53):
I think he was from Cuba, though if I'm not
mistaken, or Dominican Republic.
Cynthia Sosa (47:57):
Something around?
Yeah, it was because he asked mejust because of the last name.
Yeah. No, no, no.
Rick Ripma (48:03):
Yeah. You always want that. Yeah, that's just
natural, because everybody knowswho Sammy Sosa Yeah, you know,
and to get all to be in our Igot a hard working mortgage
guys.com That's hard workingmortgage guys.com Or you give us
a call at 317-672-1938 31767 to1938. And please follow us for
more indies real estate gurusand
Ian Arnold (48:25):
remind your VA friends, family co workers
looking to buy sell refinance.
Let us know we're more thanhappy to hear. Cynthia, thank
you for joining us. It's been apleasure having you on our show.
Cynthia Sosa (48:33):
Thank you for inviting me as
Mindy Riley (48:35):
I went on the list number 33041 recruitment of MLS
NUMBER 664589 Arnold NMLS number095469. Equal Housing
opportunity some restrictionsapply
Hey, Rick, we had Cynthia Sosa on here today. And
(00:03):
she is a guru. And she, shehasn't been in the business for
a long time. But the knowledgeshe has picked up and the
numbers that she's doing makesher a guru. Yeah, I find it's I
just always find it veryinteresting when you get
somebody who's moved here fromanother country. They, they
don't don't have a lot of timeliving in Indiana. And yet
(00:26):
they're able to take gm intoreal estate and be successful
because it's not an easybusiness to be successful. And,
and she was she's one of thosepeople who know how to do that.
And she's also sounds like verygood at controlling her time.
Correct. Which is awesome. Andthat's something huge for most
real estate agents is timecontrol. So if you are a newer
(00:47):
agent wanting to
Rick Ripma (00:49):
get into the business, definitely listen to
this. She is a phenomenal agent,you need to listen in great
stores, fantastic stores.
Ian Arnold (00:59):
Welcome to indies, real estate gurus, your ultimate
guide to the dynamic world ofreal estate in Indiana. And I'm
recruited by your hard work andmortgage guy and I've been in
real estate and mortgages forover 24 years.
And I'm Ian Arnold, a loanofficer on Rick's hardworking
mortgage team and we are bothwith advisors Mortgage Group
together will empower you withexpert advice market trends is
(01:22):
assessable stories
Rick Ripma (01:23):
from Guru realtors and local experts. Whether
you're a homeowner and investoror pro Join us as we navigate
the thriving in the real estatemarket.
Ian Arnold (01:32):
Now get ready to unlock the doors of success. One
episode at a time.
Rick Ripma (01:39):
Cynthia Sosa you're a real estate agent. I am. And
you have a very interesting lifethat you've that you've lived.
And we want to hear about that.
We want to hear where you camefrom, you know where you where
you grew up? How you how youended up here in Indian, Indiana
and Indianapolis. Tell us thatstory. Well,
Cynthia Sosa (01:59):
I'm from Mexico, in a little town called and Pico
next to the coast. Woodside inus used to the beach the whole
time. So that's one of thethings I miss right now. And but
since I was little kid, I wasalways looking to design my own
clothes, you know. And I likedthat. So when I were living
(02:20):
there, part of my lie was in thefitness because the other thing
I like and then so working onthe TV in some fashion, things
that we have there. Like we'llsay that it's not Miss Universe,
but something related to beautyin Mexico. So I designed some
swimsuits for those ladies, andso comfortable on TV, I think
(02:45):
so. And then I was like tryingto combine with my fitness
activity. Like, I think since Iwas like 15 years old. I don't
want to say my age right now.
But yeah, it's a long time ago.
Then I have worked in verydifferent times was Julie, I was
managing Julie. And they movedfrom my city. And I then decided
(03:10):
and like that city and a combatto my city again. And then I met
my husband by not mistake bycasualty. I think I went to the
border in Mexico with Yusei forwork, okay, and we met like
seven years before nothinghappened seven years after we
click. So he was living in USA.
So I move and then my lifechange like 80% I think so no
(03:33):
more fashion stuff. Yes, keepgoing with my fitness
activities. But I moved to usteaching us yoga. And I've been
doing yoga for about 12 years, Ithink. Yeah, in Texas. So Texas
No, well, yes. A lot of peoplespeak Spanish. So you don't need
(03:54):
to speak like every time like inEnglish. But when I was
teaching, I had to because Ihave some people who speak
English some people speakSpanish or maybe crazy. So one
day will say you know, guys,English for everybody. So
everybody understand left, rightup, down. So let's do this. And
then I stopped practicing myEnglish and then definitely,
life happens again. And myhusband got this job in Kokomo.
(04:19):
And he's show me would you beable to or open to move to
Kokomo and say show me on themap work was Coco Mona Well, oh
my god is too far away from whatI'm used to, you know, there
will if we have to do let's dothis. So we moved to chemo
before me three months beforethat I did. And I came after
(04:43):
because it needs to take care ofthe movie and stuff. But I was
living in Texas. I was thinkingin coming to real estate when
this thing started happening. SoI decided wasn't a good time.
Because if you did that, takethe test in Texas. Does and you
move to another state you needto take another test and say no
I'm not doing that. Because Ihave there in the past is a very
(05:05):
difficult test so say no for me.
So we move to COCOMO it becauseall my life I was thinking in
this calmer movies, and I wantedto live always in this small
town with you know, ChristmasEve Lila beautiful. So we moved
to go como se no, I don't likeCoco. Sorry, guys. Ronkonkoma.
(05:26):
And then my husband showed me.
This area's was filled Carmel.
So we moved to Westville. Burg,I need to drive 45 minutes every
time. But then COVID game atthat time I was teaching you as
you're hitting some studios. Andso you know, we need to stay
home. So say, Well, I think thisis the time to start studying
(05:46):
real estate. So I got my licensein the 19 to 19 2019. Yes. Are
beginning of the next year. Sosince that I've been doing real
estate. So here I am. Yeah.
Rick Ripma (06:01):
And so yeah, it sounds like you've always been
interested in real in realestate. It was always in the
back of
Cynthia Sosa (06:06):
your mind. Yeah.
Well, I mean, I like houses,like, you look at this shows on
the TV and the fancy things theydo in the new imagine that is
the live realtor. And it's not,you know, but yeah, doing open
houses and showing houses forclients. It's something I like.
So today in the afternoon, Ihave five houses show to a
(06:27):
client. So I really like thatpart a what is a little moving
you from your comfort zone iswhen you're trying to negotiate
a contract. So it's one part isasking one thing, other part is
asking other things, but onethat once you pass that
everything that goes live super,you know, can say easy. And
yeah, I like these because Ilike people. As you can see, I
(06:49):
like to talk. And I like todrive. So it's fine. I like
that. So
Ian Arnold (06:56):
let me ask this since you brought up a little
bit. So what was themisconception that you had prior
getting before you got into realestate was an exception?
Cynthia Sosa (07:04):
Well, first thing is a little miss missing
information. Or maybe we don'task those things, when we're
starting to look into realestate, we don't know that all
the fees we need to pay for wein this business. It's not an
easy business, if you look atthat site, because there's a lot
(07:26):
of fees involved just to use theMLS and stayed in an hour and
you know, things like that. Sonobody said that when you say
oh, I want to study this thing.
So you know, just do this, andthey gonna share your links and
things like that, and you go,then when you get your license,
boom, you need to pay like,yeah, a lot of money sometimes.
(07:46):
And if you don't have savingsfor that, it's like a big rock
for some people that would somepeople always lift this, this
business because of that. Thegood thing for me is I have some
finance there that I can use,you know, and yeah, there was a
bit rocks. And the other is thatthe test is is difficult. Like,
(08:07):
for example, different fromMexico, people in real estate,
well, I don't know now what inthe past, they don't have tests,
they use go to Brock garage, andthey they give you a little
courage, you know, like do this,do that and boom, you go. And
here you need to be licensed soso my mind from being coming
from another country, and thenwe have to do these things here.
(08:31):
And it's okay, it's different.
So there's there was other thingI wasn't expecting. And then
when you need to choose yourbrokerage and you have other
fees in the brokerage anddisplay, it's in blah, blah,
blah. So there's a lot of thingssimple. And it's not that fancy
war that 100% of the time thatthey show you in TV programs.
(08:55):
It's not? Well, no, it'ssometimes you cannot raise like
high heels all the time. Youknow, sometimes you need to know
the end user or something.
Because depending on where yougo in, depending on the house,
the area, things like that. Andit's a lot of work to Yeah,
Rick Ripma (09:12):
yeah, it's a lot more work than most people
think. Yeah, it's like that.
Cynthia Sosa (09:16):
And oh, other thing that people maybe don't
think about it is like you needto work on your weekends. So if
you don't like to work weekends,it's not for you.
Rick Ripma (09:25):
So, so you How long had you been in Indiana before
you became a real estate agent?
Cynthia Sosa (09:32):
I think it's gonna be a little more than five years
now.
Rick Ripma (09:36):
So how it's a difficult business to get going
in. It is and so I know rightnow you're with Keller. Keller.
Williams, did you start withKeller? Williams?
Cynthia Sosa (09:46):
Yeah, well, actually, I started before I got
my license. I have aconversation with very small
brokerage. But when I got mylicense, my husband and I would
have the talk and say like, wellI was invited to go to Keller
Williams. So I went and havethat conversation say like, it's
better start in, in a bigfranchise, like in small if you
(10:09):
want to grow, mostly because asI was saying, before, I'm coming
from Texas, I knew a few peoplehere. So that's gonna be my big
rock, to to get to know morepeople. So it's that what is
taking me a little more timethat maybe other people like
agents that have been here thewhole life, senior agents, so
(10:32):
they know everybody, so it'sdifficult to compete with them.
Not impossible, but it'sdifficult. Yeah.
Rick Ripma (10:38):
So that was actually the question I was trying to get
to is, how did you get going?
Because it's it's such a toughbusiness you're not from here.
You didn't know that manypeople. Right. So what was your
process? What have you done?
Really? What have you done thatyou think has been the most
successful? Maybe something?
Maybe you've done some thingsthat weren't didn't work? Tell
us those stories? Well, I
Cynthia Sosa (10:58):
have kept some mistakes, for sure. But when I
arrived to Keller Williams, Ithink was the timing in someone
has spot for me in a small team,the husband had died. And the
lady didn't speak Spanish orspeak Spanish is my first
language. So she needed someonewho can relate with the clients
(11:23):
on the database, because Spanishshe wrote for her. So the team
leader told me that I think thisis a good thing for you get into
this stem. And I was thinking,okay, maybe it's good for me,
because I don't know a lot ofpeople I am learning because
other thing I forgot to say whenyou're learning, you think you
(11:43):
know, everything, but you cometo reality is very different. So
it's not the year, you need tokeep learning things on the
road. So I started with thislady, and I was the buyer agent,
I was hired for that. And theneventually things happen that
started not working for me,because I wanted to get into the
(12:05):
seller, side. And suppose nowtoo. And so after three years
with her, or a little less, orsomething around that, I decided
it was time to me for go solo.
But if if you really want toknow, to start learning more
things, mostly you're in mycase, like you don't know a lot
of people, it's starting with ateam is a good thing. And
(12:27):
because, yeah, they providelet's not order, let's go work.
And what these plates are big.
So you have one thing for theorder. And then after those
three years having theconversation with a friend that
is also a realtor, and myhusband is I used to do this by
yourself. Again, you're kind ofready, and I will. I don't know,
(12:50):
you know? So this year, in thebeginning of the year, I decided
to make that move. Okay. So Ithink now I don't know
everything, but I feel morecomfortable.
Rick Ripma (13:01):
Where you have quite a bit of time you've done some
you've been successful. So thatmakes, you know, going out on
your own. It's it's kind of apath we see a lot of agents go
Go on now is they they start ona team, they learn from the
team, and then the team kind ofexpects them to move on.
Cynthia Sosa (13:18):
Yeah, I think so.
I think a lot of people havehave been in the on the team for
time in the past. But then thesame thing like you, you, you
decide that you have learnedenough. And you always have
well, my brokers will have thesupport from other agents if you
need to. And you decided to gosolo for me was better because
my husband works at home. So heis the main income coming from
(13:43):
house. And so I don't say I dothis for fun, or just for fun. I
do also of course, because ofthe money was symbol, but I need
to move around his time, youknow, so I plan I can start very
early in the morning doingpaperwork, things are very late
at night. And from some pointsin the middle of the day, I
(14:06):
cannot because we have launchedso I need to commit to that.
Then my clients know that theycan text me late night, because
I'm being working. And I cananswer say always have the
conversation with them. Ifyou're open to talk to me late
night, this do it so I willanswer if I don't because I will
let you know next day orsomething like that. So they're
(14:27):
used to that. Yeah.
Rick Ripma (14:29):
Well, it seems like that because you're your
husband's working and you haveto work around his schedule, but
actually it works out wellbecause most clients are not
available for the same reasonyour husband's not available.
Cynthia Sosa (14:41):
Yeah, that's good thing is like in the old school
and it is new days, you knowwe're leaving and after COVID
everything change or most thingschange. And like, if you called
people like in the morning theywork in most of the day they
cannot answer you. So notknocking doors for me is like,
(15:02):
no, in these days, like you'reknocking the door mostly in my
neighborhood, they will call thepolice. Go No, thank you. So
there's other ways to findclients, you know? And then yes,
of course, I can move aroundother hours. Like right now, he
is like, having literallysandwich for lunch, because I
say, sorry, guy I had to. And heunderstand sometimes, like, he's
(15:26):
very flexible, in as much assome happy and He's happy. He's
everything's working, you know,
Rick Ripma (15:32):
to be honest with you. I think that's awesome that
you guys have lunch together?
Because you see a lot of marriedcouples, you got one goes one
way the other one goes the otherway in the morning. And then
they come back late at night.
And about it's kind of like,it's awesome.
Cynthia Sosa (15:47):
Yeah, we tried to commit to that. Because I mean,
he was a whole day and sometimesfinish late and sometimes late
night he's working is a good andbad thing working at home,
because he can answer, you know,anytime. And he was with people
in China and Europe, also theyare there all time and you know,
and then we commit like that. Soit's it's impossible, like today
(16:10):
or tomorrow, I have a finalwalkthrough. So say tomorrow,
you always again, when I eatalone, and say, okay, it's fine.
And is this, if I can change thehours? I can do that. I will do
that. But if it's notnegotiable, so I will stick to
the schedule. Yeah.
Ian Arnold (16:27):
I think schedules help out dramatically and making
sure you keep that schedule. SoI don't want you to cold calling
people. I don't want youknocking on random people door
and getting arrested by cops. Soif somebody's out there, and
they they're listening to youright now, and they want to talk
to you about real estate,whether it's buy sell, or they
just have questions, what's thebest way to get ahold of you?
(16:47):
Well,
Cynthia Sosa (16:48):
they can always call me to my number 956795748.
Or they can email me So Cynthiasosa@kw.com. Or just, if they
can find my information they cancall a Keller Williams and they
will call me or send theinformation. That way. We can
have coffee lunch or something.
I
Ian Arnold (17:10):
don't know you have lunch with your husband?
Cynthia Sosa (17:14):
Sometimes is yeah, we have to do those things.
Yeah. Well, yeah. Yeah.
Rick Ripma (17:20):
So your number is 956-789-5748.
Cynthia Sosa (17:27):
Correct. Good. And then let me clarify that some
people sometimes they don't wantto answer my calls, because they
say, Well, this is not from thisarea. Yeah, that's good. I'm
from Texas, originally, you knowthat. That's me. That's my
number.
Ian Arnold (17:40):
I will say there's a lot of them. I look and it says
out of state. And I go alright,I'm letting you go to voicemail.
But the great news aboutvoicemail is he leaves a
voicemail, I can hit play. Oh,that's Cynthia, let me call it
back really quick. Yeah,
Cynthia Sosa (17:53):
the what I do, sometimes I call they don't
answer because they are maybeBC. And I use libertex and put
my car on the tech. So they knowI'm a real person. The sort of
scams around. I
Rick Ripma (18:08):
think I know for me, I'll get calls now from local
and yes, those either becausetelemarketers are able to get
local number, so I don't trustthose those numbers either.
Cynthia Sosa (18:20):
I was about to say that like so my caller ID is
956. So I have a lot of callsfrom 956 and telemarketing.
Yeah, sometimes, like, I don'tknow is that I need to answer
that. And we
Rick Ripma (18:31):
kind of have to I mean, that's that's my problem
is I kind of have to answer thephone. I don't always but I call
back right away, just like yousaid. But to get a hold of the
inner I got a hard workingmortgage guys.com That's hard
working mortgage guys.com. Oryou can give us a call at
317-672-1938. That's317-672-1938. That is a call.
That's not a text number.
Ian Arnold (18:53):
All right. I'm glad you've memorized our phone
number. You did her as well. Andyou did ours. Well,
congratulations. Well, I
Rick Ripma (18:58):
read hers. I think it helps people to have hear it
a few times. So I make sure tofree few times. All
Ian Arnold (19:07):
right. So Cynthia have a good question for you. So
we're going to take a step awayfrom the real estate side. But
if I get take away your phone,you cannot work. Somebody else
will help out. Don't worry, yourcustomer will get taken care of
but what do we catch you doingfor fun?
Cynthia Sosa (19:24):
For fun? I used to be phone lady I think so, so my
husband likes like being homemost of the time. So what we
enjoy is watching moviestogether. And we like to stay at
home watching the movies becausewe have this big sofa we can lay
(19:44):
down itself and put pauseanytime and go in and come back.
So that's what we do for fun andtravel. We travel a lot. We like
that as well. We put our moneyvacations.
Ian Arnold (19:56):
So what's what's one of your favorite movies?
Cynthia Sosa (20:01):
I like like mystery movies. Okay, yeah,
mystery movies or like TVprogram like CSI, you know, like
trying to figure out who was thekiller? Yeah. So those I just
watched by myself because myhusband hates that.
Rick Ripma (20:19):
So, where do you travel? Where's your where's
your favorite spots to travel?
Cynthia Sosa (20:24):
I'd say I would like to travel abroad like last
year. We took long vacations, weneed that. We went to Maldives.
We plan and dad. And then myhusband likes the f1 the Formula
One races. So we have to stopAbu Dhabi say, oh, that's the
(20:44):
Abu Dhabi Formula One, let's sayhere. So we stay for the Formula
One and two, we drive around.
And then we here to work inItaly. So I went with him. I
didn't I wasn't working. I wasjust having a good life.
Ian Arnold (21:00):
Oh darn.
Cynthia Sosa (21:03):
Yeah. And then we came back.
Rick Ripma (21:06):
So what does it what does he do? It sounds like he
has an interesting engineering
Cynthia Sosa (21:09):
manager. Yeah, electrics for cars. Okay.
Rick Ripma (21:13):
So he's a car guy.
Yeah. He
Cynthia Sosa (21:15):
always calls meetings the whole day. Yeah.
Okay.
Rick Ripma (21:20):
Well, that sounds like fun. So getting off that a
little bit what what would yousay your superpower superpowers
are?
Cynthia Sosa (21:27):
I think like relating with people and
talking. Once they startedtalking with me, I don't know
guys what you say what theystart loving. So they want to
continue with me user. Yeah.
Rick Ripma (21:40):
That's that's important. Yeah. Yeah. I was
helping you flew or something. Ididn't know if there was some
school. Oh,
Ian Arnold (21:48):
being able to talk to people is a great superpower,
especially for a realtor. Yes.
Rick Ripma (21:54):
And it's really helpful when we have them on our
pot. Yes. Yeah. Now you alsoyou're a yoga instructor. So how
often do you do that? Do you dothat?
Cynthia Sosa (22:05):
Well, when I was in Texas was my full time job. I
think I have like 15 classes perweek. And I did private classes
for some people. So I have goodmoney. And in Texas for that.
Then when I moved here, look atin Texas, not everybody with a
lot of people knew me. Because Iwas doing that. I was part of
(22:26):
the some yoga teacher trainings,helping them. So like, I like
that too. You know, I like to beinvolved with people. Then when
we move here, it was again, samething like starting from
scratch. Nobody knew me. So sayI'm going to great teachers.
Would you say that? I don'tknow. So I have less classes now
in which is okay, because beinga real estate, you need to be
(22:51):
available in some hours. Like,for example, this way, I covered
some classes for some teachersand the studio. So some people
call me can you that I know Ihave to teach this class. Sorry,
I cannot. So I have to have moretime now available in the
mornings also. And of course, inthe afternoon. Afternoon is no,
(23:13):
no, no. Your says no one elsecan go. I will go.
Ian Arnold (23:16):
No, no, you just need to invite them. Hey, come
to yoga. We'll talk real estateat the same time.
Cynthia Sosa (23:21):
That's what I say your classes also Well, first
thing because keep my mind sane.
You know, like, I mean, I needthat to clean my mind. And
teaching helped me a lot becauseI know I'm helping people in
another way. So they appreciatethat. Would you make some
adjustments on the body orsometimes some people cry
sometimes when you're talking tothem, like you start talking as
(23:43):
teaching, and you touch somefibers and some people and they
start crying?
Rick Ripma (23:51):
That's not gonna happen with us? No.
Ian Arnold (23:53):
Please make him cry.
Please wake up. I will saythat's one thing I think through
COVID and everything. Everybodygot a mental health check in
their mind now. All right, whatdo we got to do to stay mentally
healthy and stuff, especiallywith different people? Like for
instance, your husband workingfrom home all the time, it's a
different than walk in theoffice able to talk to many
different people? Yeah,
Cynthia Sosa (24:17):
well, he preferred that. I mean, he shared a drive
in the 45 minutes ago como soOkay, nobody
Ian Arnold (24:22):
likes Kokomo. You're good.
Rick Ripma (24:26):
You ever visited Kokomo? Yes. Kokomo has some
pretty cool, thanks. I think.
Yeah, it's nice
Cynthia Sosa (24:32):
just to base it.
Yeah, no, and I have some. Ihave some friends. They're like,
sometimes I go, but when youstart getting busy, or busier
like 45 minutes you're drivingto meet a friend is difficult.
Yeah, that's hard. Yeah, no, youstay one hour with a friend and
then come back again for fiveminutes.
Rick Ripma (24:50):
There's more to do here. There's no question and
most people who live in Kokomocome here for entertainment.
Cynthia Sosa (24:56):
I have a good very good friends and COCOMO there
are a couple and They come oncein a while to visit or we have
dinner, things like that. Andwhen they will say, Well, maybe
it's time for us to go to Kokomoso you don't need to drive. And
they say, No, it's fine becauseyou have more places to go.
Yeah. Okay, fine with me. So I'mjust
Ian Arnold (25:15):
gonna make a point.
And we can be done with it. Butthey did make a highway around
Kokomo so you don't have to gothrough it anymore. Yeah.
Unknown (25:23):
They did that to Indianapolis to it's called for
six. Yep. And we don't go inthere either. So what's your
point? Oh,
Cynthia Sosa (25:31):
four, six, if I live 530 to 530. To fight areas
horrible. Yeah, yes. Yeah,
Rick Ripma (25:38):
they're the that road around Kokomo is a huge
blessing because you used to gothrough Kokomo and it was all
white. Yep. Took for ever now.
It's a beautiful thing. Yes.
Yeah.
Cynthia Sosa (25:49):
It's nice.
Rick Ripma (25:52):
I like Kokomo but I'm obviously in the minority.
Well,
Cynthia Sosa (25:56):
when I was there, we were live in an apartment.
And we like that. So when wedecided to move here with this,
I went more space. And we havemore space that we need now. So
we will remember times theapartment was like less kind of
nice. The only thing is likewhen you were parking the car
stay outside and when it'ssnowing. So yes. Not a good
(26:18):
thing. You know, we
Rick Ripma (26:19):
were talking to somebody and they had they were
talking about how they had toscrape their car off that
morning. And I was like, Yeah,you don't have to do that. If
you have a garage or carport oneof the
Cynthia Sosa (26:29):
so wasn't that was important. Oh,
Rick Ripma (26:31):
that's never that's never
Ian Arnold (26:32):
speaking of snow. Do you ever wish you move back
further south because of it? Oh,yeah.
Cynthia Sosa (26:38):
When we were in Texas. Well, the when I arrived
here the morning I listen. Yeah,the morning I left Texas. We
were 105 like noon. So when Iarrived here was 30 degrees.
That was my first shock like, ohmy god, I dropped I cry like
crazy. gala is a god for me. SoI wasn't prepared for that. Then
I was waiting for the snow tocome. You want to see the snow
(27:02):
and you know, make angels in thesnow. And the first day we're
like, Oh, beautiful snow. Soit's nice Thursday. Hey, I don't
want it anymore. Well, we don'tget much. No, the lesson we have
more I think this year we've hadhardly anything. I don't do what
I want to have more.
Ian Arnold (27:20):
Now. We're I would say we're roughly done. But
we've seen it in April. Not itdoesn't happen very often
Rick Ripma (27:26):
not past the basketball. Yeah, you need to
get back past basketball for themost part. That's that's kind of
what Eric because I've been heremy whole life and you can get an
April. But it's like a lot oftimes we'll get something
through the tournaments,timeframes with basketball. So
just pre prepared,
Cynthia Sosa (27:44):
but not that kind of big accumulation.
Rick Ripma (27:47):
That's the other thing. I mean, we've had one
snow that came in the middle ofthe day, that was four inches.
And then within two days, it'sgone. It was gone. So we've had
nothing this year. It's beenbeen very, very good. Now you're
also a health coach. What isthat? What how do you do? Well,
Cynthia Sosa (28:03):
when I was in Texas, like have kind of hours
free. And I went and went intothis internet school. And so are
starting for that get mycertification. So culinary
nutrition expert, is there.
Okay. Yeah. So they teach youbetter ways to it. So instead of
adding days, it that so you canplan you know, so it's, it's not
(28:28):
like it in like things thattaste good, is things that are
good for your health. So when Iwas there, I was teaching people
to do that. And I have cookingclasses at home. So that part I
like it. And there wasn't athings I'm missing when I was
there. I have a small island andmy kitchen because I was
(28:52):
smaller. So I want to have alonger Island to have more
people for my cooking classes.
So I move here, and I have now abig island. And I Well, it's not
that I can do that. But samething, since you don't know a
lot of people. So it's difficultto start again, you know, so as
I used to go to have one fightso is the real estate, so I
(29:13):
cannot get like to know so athome, we try to get as healthy
as we can. And when I was inMexico, I was not vegetarian
100% But I was in less meat thanmy move here and my husband, he
likes it so so we have that guyin the middle. You know,
(29:35):
sometimes we have red meats ormother days we don't. And I do
things from scratch like thesalsa for the pastor, and some
dressings and breads and thingslike that. That's a well wait at
home. And if someone asked me soI would be happy to to help with
that.
Ian Arnold (29:53):
Yeah, so what's one of your favorite things to make?
Cynthia Sosa (29:57):
It's a pastor. I love pastor. Yeah.
Ian Arnold (30:00):
All right, so what time are we coming over or? No?
Rick Ripma (30:08):
So we had we had an agent on she was from Russia.
And one of her her things thatshe did with her clients as her
client appreciations, and evenwithout, I mean, it didn't they
didn't have to be a client ifshe would have them to her
house. And cook. Oh, that'snice. Yeah. I mean, you could do
that and teach. I mean, there'slots of people who'd like to
(30:28):
learn how to
Cynthia Sosa (30:29):
cook. Yeah, we can plan on that. Yeah, I could get
you could, you know,
Rick Ripma (30:33):
take care of two things at once. You could, you
know, and you can still enjoyit. But she did really well.
That was her biggest way ofgetting clients was was her
cooking.
Cynthia Sosa (30:44):
Group and Facebook from women's creating
friendship, and Westfield. And Iwas gonna go with them, but they
always pick the the meetings orcoffee times 11am In the
morning, so it makes a conflictfor me because 11 to 12. So I
cannot be for lunch. Right? Sobut yeah, maybe I need to invite
(31:04):
them like, Sunday, Saturday,person. Um,
Rick Ripma (31:07):
it's just something that we and she's done really,
really well with it. So it'd bemight be
Cynthia Sosa (31:12):
a great idea. I need to hire you.
Rick Ripma (31:15):
Not to cook. The cook.
Ian Arnold (31:21):
Alright, sure. So somebody's listening to this
right now. And they want to belike, Hey, let's have lunch with
her, let's, or lunch when she'snot having lunch with her
husband. But let's have lunchwith her. And they launch lunch.
They want to sit there, theywant to see your island. They
want to make food with you.
What's the best way being intouch with you?
Cynthia Sosa (31:41):
Like calling me to my number again? 956-789-5748.
And if I cannot answer becauseI'm in another call or busy
doing work, they can just leaveme a text. And yes, I can call
and text back. So
Rick Ripma (31:55):
they can call or text 956-789-5748 Correct. I get
that right. Yeah, so956-789-5748 Correct. Perfect.
All right. And to get a hold ofeither I go to hard working
mortgage guys.com That's hardworking mortgage guys.com. Or
(32:16):
you can give us a call at 317.
CDC what you did to me,
Ian Arnold (32:20):
telling me you just have issues met from Fire Phone
number, just maybe you shouldwrite it down so you can read it
to
Cynthia Sosa (32:25):
element
Rick Ripma (32:27):
31767 to 1938. I've got it written down to places I
can't see. 31672 1938 That's mynumber. There you go. I do need
to I'm gonna start writing itdown right here on the page.
Ian Arnold (32:42):
All right. So we always have the question of the
week so I was really
Rick Ripma (32:47):
interested in this one very alright. Yeah. Yep.
Cynthia Sosa (32:49):
All right. Oh, my God.
Ian Arnold (32:51):
What was your first car?
Cynthia Sosa (32:53):
Oh, I have a Volkswagen. That all was bagging
the bag the bug? Oh, yeah. So
Rick Ripma (33:02):
what Yeah, you were what year?
Cynthia Sosa (33:04):
I don't know. When I was at the University I think
was 1989 She's
Ian Arnold (33:13):
not trying to give her he was watching out on this
one. I was
Cynthia Sosa (33:18):
comfortable with
Rick Ripma (33:20):
63 bugs and 2000s are still popular. Yeah, I'm a
car guy like your husband. Iliked
Cynthia Sosa (33:27):
the beetle. Didn't you knew you know what my
husband hates that so I imaginedmyself driving that car and say
no. So I'm buying the carsthat's not a no carbon storage
drive now. Sentra because it'slike efficient with the gas so
spacious so that's myrecommendation for renters don't
(33:50):
get in a car that's veryexpensive like use a lot of gas
so yeah,
Rick Ripma (33:55):
a lot of gas
Ian Arnold (33:57):
a lot of yards and you put a lot of miles
Cynthia Sosa (33:59):
a lot of miles so you need to be a car that is
functional. And it is hot airconditioning is a warm settings
with depending of the time ofthe year so heated
Rick Ripma (34:08):
seats. Yeah, I'm guessing you'd want heated
seats. Yeah, yeah,
Cynthia Sosa (34:12):
yeah, it goes they have letter sets which is the
other the only way this car wecan buy this car because what
all the things we wanted it waslike that. And in when it's
summer they're very hot and awinter they're very cold. So
Rick Ripma (34:29):
I love leather seats.
Cynthia Sosa (34:31):
I don't I do but if you want the windows up and
down the quality of the sideroof and other things and other
stuff like they have so yeah,
Ian Arnold (34:45):
go to the top of the line and automatically gets
leather you'll
Cynthia Sosa (34:48):
need to letter so yeah, yeah,
Rick Ripma (34:50):
others better.
That's why I prefer
Ian Arnold (34:52):
leather and then my heated seats from almost October
to April is always on heatedseats feel so good. And so good.
Rick Ripma (35:03):
I didn't think you were that cold. I'm not now
you're sounding like me. I'malways freezing. So you're
you've got all this stuff goingon. What are you most excited
about in your in your realestate business right now what?
As you look out into the future,but
Cynthia Sosa (35:20):
right now as this is kind of a new beginning for
me, I was very excited. Like,last week, I just bought my new
signs because I didn't havepersonalized signs because
everything belongs to a team. Inour going to pick my signs, I
feel like oh, this is goodthings I'm going to show myself
to people now they're gonna getto know me. Yeah, so my name and
(35:41):
things like that. So I'm excitedlike that it that point. And
also, this year, I have my threefirst new constructions deals.
It was a new thing for me,because I have never been in new
constructions. And I love them.
I would like to have more newconstruction clients. It's kind
of easier in some point, youknow, but because you do a lot
of things for your clients. Butonce you pass that point, the
(36:05):
builders, they do most of therest of the things. Yeah. So
Rick Ripma (36:12):
I spent 11 years with a new home builder. Yeah.
So you know, so I know exactly.
Yeah, it can be. There's,there's, there's benefits to
buying with a builder, and thenthere's negatives to buying. But
right now, there's not much onthe market. So a builder is a
good alternative, I would guess.
Cynthia Sosa (36:31):
Yeah, the thing is, like, if depending how much
you're pre qualified, you canget a new construction or not.
That's a sad thing for someclients. And yes, I this, we're
shortage and houses right now,our client, so we're gonna drive
in the afternoon, they have thecash or buying cash for the
(36:51):
houses. So and they have theprice range they're buying and
some houses. They're not verygood. So in well, the seller
always can put the price but wewon't see the house sale. No. I
Rick Ripma (37:07):
read something, you probably read it too, that 32%
of the homes sold in Januarywere cash deals. No 32%, the
highest it's ever been.
Cynthia Sosa (37:16):
Because the rates also, you know, there have been
coming up and down. And somebuyers don't feel comfortable
with that. And they decide topause. Yeah,
Rick Ripma (37:27):
I find it interesting, because I don't
know about you guys. But if Iget a lot more than seven or 8%
on my on my money that'sinvested right now, because the
markets doing really well. SoI'd rather have my money in the
market and pay seven or 8%.
Personally, but not everybody isthat way. Yeah,
Cynthia Sosa (37:44):
there are some people like the people have by
right now. It's they're rentingand they want to get out of the
renting. And you know, that'sbetter paying for your mortgage
to pay in rent.
Ian Arnold (37:57):
Because rent is what
Cynthia Sosa (38:00):
percent? Yeah, one of my body or laws being pre
approved and in the the amountof money who's going to pay now?
Monthly is less than the rent inwho was paying, you know?
Ian Arnold (38:13):
Yep. Yeah, that's, that's what happened. My wife
and I is when we were gettingpre approved and everything I'm
like, are our payments gonna beless than what we're paying
right now in rent? This isawesome.
Cynthia Sosa (38:24):
You create an equity, you know, and when
you're renting, you're likeputting your money on the
Gerber's paying other peoplemortgages. Yeah,
Rick Ripma (38:31):
we have a great program that puts that all
together that people canactually see what what you
actually gain by buying a house.
It's amazing. Yeah. When youactually it's easy to talk
about, and people kind of, youknow, you kind of go okay, I
kind of get it. But when you seeit on paper, when you see it and
written out and you see what itactually does for you. It's
phenomenal.
Cynthia Sosa (38:52):
I think that some people just need to be more
educated. They don't know a lotof things. It's lack of
education. Yeah, that's what ishappening sometimes.
Rick Ripma (39:01):
Yeah. And it's it's scary to some people. No, hmm.
Cynthia Sosa (39:05):
I understand that.
Because some big commitment.
Yeah. Yep. Buying a house. Yeah.
Ian Arnold (39:10):
But it loud. People say it's a huge commitment. It
is a huge commitment, becauseyou're making payments. But the
other thing is, is let's say infive years, you want to move,
move. It's the same thing. Andthen you got equity, you've paid
into it. So your principal yourprincipal is went down, and then
you've gotten equity usuallythroughout the five years. All
(39:33):
right, you sell it. Yeah, move.
I mean, it's the same thing.
You're going to move if you'rerenting out. I mean, most people
when they jump from one place,they'll live there for a couple
years and they'll be like, ohwell the rents going up let me
move somewhere else or somethinglike that. So it's the same
thing. Just a little differentway. I've always explained it.
Cynthia Sosa (39:50):
Here's like when other this talks that I have had
with some clients like theyprequalify for too little, and
there's what they can buy rightnow. and put it on their minds
that with the money they havenow this is the houses that came
by and try to understand thatsay like, what do you need to
commit to this house forever. Soyou can save, or eventually you
(40:11):
can sell this house and getanother house bigger. So but you
need to start at one point, youknow, get you out of renting to
get in your house. You
Rick Ripma (40:21):
know, one of the things for buyers like that,
though, that if they think aboutit, if they could find a, a
double or a triplex that theyliked that they could live in
one side rent out the other,then they can afford a lot more
home because you can count thatrent. Yeah, you know, and so
sometimes, you know, it's just achange that, you know, you're
still better off doing thatyou're renting anyway, you're
(40:43):
probably in an apartment with abunch of other people. If you
own the property, it's a twounit, you rent the other side.
Yes, you got somebody next toyou. But isn't that better than
an apartment now you own theproperty? And then as you do
that, you can move to the nexthouse and keep that as a rental
if you wanted to. Yeah,
Cynthia Sosa (41:00):
mostly you're paying your mortgage with the
rent next to you, which is huge.
Yeah. And in time, you can runboth and get your another house
pushing afford
Rick Ripma (41:09):
more house because you can use the route Exactly.
That so it can make a lot ofsense for somebody to look at
doing that. And I just I justthink it's one of those things
people forget about but there'scertainly an option there. But
you got to be able to find thedouble or the triplex or the
four Plex or whatever it is thatyou're going to do.
Cynthia Sosa (41:27):
Is it that sometimes with some people, they
don't want to make that smallsacrifices like living for two,
three years, you know, becausethey want the space the
backyard, things like that. Butyou can do you can have that
later, you know, and then if youhave investment properties, but
Rick Ripma (41:44):
if you don't have it now, okay, so you're living in a
park this is what always italways intrigued me when the way
people sometimes think throughthis. I live in an apartment. I
don't have a backyard. I want abackyard. Well, I have to buy
double Why don't get I don'twant that because I don't have a
backyard. Well, you do have abackyard it's just a little bit
different because you're sharingit a little bit. Sometimes
you're not sharing it all. It'sit's still the fence down the
(42:05):
middle. But you can accomplishit. And yes, it's not perfect,
but it's better than living inan apartment for another three
years to save up the money byfinancially and your whole life
is better because of that. So Ithink sometimes we just have to
get over what the perceptions wehave in our head. Well, I know I
do there are you know, you thinkyou got this goal and you got
(42:28):
this? But it's okay sometimes tonot do it exactly the way you
were. Yeah,
Cynthia Sosa (42:32):
I mean, sometimes we we have some thoughts in our
mind, and we need to dodifferent circumstances. And
then you can put that in yourmind again for future you know,
Yep, yeah, I agree. All
Ian Arnold (42:46):
right. So I like to hear stories. So I bet you have
quite a few but what do youconsider one of your most
memorable transactions?
Cynthia Sosa (42:55):
Well, what can I say anything fast? Like my first
transaction the was was not easytransaction will let me say that
I work with items also peoplewho doesn't have social number,
right? And it's like very carthing to do sometimes because
(43:22):
they need special thingsdifferent paperwork. So this
lady was in that situation. Andwe have this lender that I met
and one of meetings I have andshe was helping us like he was
very helpful with that in askingfor things and trying to explain
the it in person so you need todo that and it put it on the
(43:47):
mind that they have to do thatbecause they things were
different like social number andthen they wanted a house a 300
and then it was like the rentingthey don't have the proof they
were renting you know, what wasthe order things to pass and
they were like us pulling somestrings and other strings and
(44:10):
strings and the first thing wasto we find the house we found
the house and it was like in arural area and at the house
needed a lot of things to do butthey they say we don't mind we
we can fix this on time. We wantthis big land so my kids can
work around so we put the offerjust as the price was listed and
(44:34):
I will say that I don't knowthey're gonna take the offer
because at that market and thatmoment there are more people
valuing so loads of offers. Andthere will sit in and they were
like well, let's see whathappened there when I went to
check my email next morning andI this guy is so enthusiastic is
from my office also. Guestticket offer I was excited about
(45:01):
my thing. So I call her and shewas very happy. And since now,
they keep me top of mind. Soalways sending referrals to me,
because they have that very goodexperience with me. And I really
appreciate that. And so that'sthe way I try to build my
business. They keep that goodimpression on clients. So they
(45:22):
remember me. And that's yeah,that's what's my first thing?
Rick Ripma (45:26):
Yeah. Well, that's, that's the biggest compliment
you can get as they refer peopleto you. Yeah, you did a great
job.
Cynthia Sosa (45:32):
I always I will say the last time say I
appreciate it was send mereferrals and say, I will keep
sending because they were greatwith me. I was remembered and
Scylla. Thank you. I need tosend her something. I
Rick Ripma (45:43):
do work a lot with the i 10. Yeah. When
Cynthia Sosa (45:48):
I was on the team, this guy was Hispanic and speak
Spanish was living here for mostof his life. And the database,
they have a lot of IT people. SoI get to learn how to work with
them, and try to help them. ButI have both sides. So you can do
both? Yeah, I can do both. Yeah,for sure.
Rick Ripma (46:10):
I think that's a huge thing. I want to be able to
do both and know some of thehurdles that you're going to
have to go over, especially withitin and when we do add them to
that there's certain hurdles, soyou just put it up front and
okay, hey, I'm gonna need this,this and this, let's see how we
can get this stuff. It's awesomethat you're able to help them
because I know a lot of peopleare just basically soon as they
(46:33):
say that go up. Nope, we can'thelp them. And that's it. Yeah,
Cynthia Sosa (46:35):
there's some people, they don't want to work
with them. Because it's hardwork. You know, it's hard work
for the lender also, and for therealtor because you you need to
start educating them about theprocess. And that's very
different from regular processconventional or, you know,
social number. And then theyunderstand that then they accept
(46:58):
that, you know, because whatwasn't the big part? They they
accept the situation? It'sdifferent.
Rick Ripma (47:05):
All right. So if somebody's listening to you
right now, and they're, theyhave questions about buying a
home selling a home, orquestions, they have an ITEAD.
So what's the best way they getin touch with you?
Cynthia Sosa (47:17):
Call me or text me to my number 956-789-5748? I
don't answer please leave me atext and I will call them.
Rick Ripma (47:27):
And that number again, is 956-789-5748. And then
your email is really easy. It'syour first and last name@kw.com
Very
Cynthia Sosa (47:38):
easy. You will remember that.
Rick Ripma (47:40):
Cynthia Sol Sol Sol sol. Sol Sol is impossible to
forget.
Ian Arnold (47:43):
Yeah. Especially around here. Yes, Sammy. So
Sammy. So
Cynthia Sosa (47:47):
one day one person asked me if I was related to him
sailing. No.
Ian Arnold (47:53):
I think he was from Cuba, though if I'm not
mistaken, or Dominican Republic.
Cynthia Sosa (47:57):
Something around?
Yeah, it was because he asked mejust because of the last name.
Yeah. No, no, no.
Rick Ripma (48:03):
Yeah. You always want that. Yeah, that's just
natural, because everybody knowswho Sammy Sosa Yeah, you know,
and to get all to be in our Igot a hard working mortgage
guys.com That's hard workingmortgage guys.com Or you give us
a call at 317-672-1938 31767 to1938. And please follow us for
more indies real estate gurusand
Ian Arnold (48:25):
remind your VA friends, family co workers
looking to buy sell refinance.
Let us know we're more thanhappy to hear. Cynthia, thank
you for joining us. It's been apleasure having you on our show.
Cynthia Sosa (48:33):
Thank you for inviting me as
Mindy Riley (48:35):
I went on the list number 33041 recruitment of MLS
NUMBER 664589 Arnold NMLS number095469. Equal Housing
opportunity some restrictionsapply
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