August 18, 2022 • 14 mins
Jeff and Gina discuss how their backgrounds in the mortgage and real estate industries.
Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.
Jeff can be reached at
Email - jeff.cunninghamrealtor@gmail.com,
website, jeffcunningham.mysalecore.com,
Facebook,- https://www.facebook.com/jeffcunninghambroker/
Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,
Gina can be reached at,
Email: gmilloway@traidmortgagellc.com
Web: https://www.ginamillowayloans.com/
Facebook - https://www.facebook.com/mortgageswithgina/
Office -336-290-1891
NMLS Consumer Access: https://nmlsconsumeraccess.org/
Privacy Policy: https://www.ginamillowayloans.com/privacy-policy
Triad Mortgage is an equal housing lender
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:01):
Hello, and welcome to thepodcast.
Let's get moving with Jeff andGina.
I am one of your hosts, Gina.
Millway your mortgage advisor.
And this.
I'm Jeff Cunningham.
And I am your real estatespecialist here in triad of
North Carolina.
Absolutely.
So let's, let's give the folks,everybody who's tuning in.
First of all, I wanna thankeverybody for tuning in.
(00:22):
This is, um, this is my first goround at a podcast.
So, um, excited and, and nervousall at the same time, figuring
out how to do this.
Woohoo.
Yes.
Uh, you've got two of us here onthe same bus, so all right.
Hearing, hearing my own voice onthe microphone is gonna be odds
of fun.
So, um, oh, it's great.
You have a beautiful voice,Gina.
You're gonna hear that Southerndraw come out a little bit.
(00:46):
so, all right.
Let's let's uh, let's touch baseon, why are, why are we here?
What are we doing with thispodcast?
And who is it for?
Why should people hang.
Absolutely.
Absolutely.
Well, you know, as, as you and Ihad discussed previously,
knowing that folks need to getsome information, uh, and be
prepared for buying, um, sellingor investing in real estate, um,
(01:07):
you know, you and I decided thatthis would be the best way to
get to as many people.
That will just listen.
Yep.
And I think podcasting is agreat means to distribute
information.
I know I have a ton of podcaststhat I listen to regularly every
day as they're dropping newepisodes.
I can't wait for'em to come out.
So I know you do the same.
I do.
I do.
I, I, I, that's one of my, uh,alternate news, uh, or alternate
(01:31):
ways to get news nowadays.
Yeah, absolutely.
Um, you know, tons ofinformation.
Yeah, absolutely.
It's a great way.
So, you know, and one of theways that we're gonna use this
is to help the consumer and whowants to buy real estate
essentially.
So we're looking to put this outfor consumers who are looking to
buy, uh, a house or sell ahouse, whether it be their first
(01:52):
home, a second home, uh, a moveup buyer or an investment
property, whatever the case maybe, anybody who needs to
purchase or sell real estate.
We're talking to you guys.
Mm, absolutely.
And, uh, and we don't want toput it out there or steal
anybody's lines, but we areeverything real estate, um, from
a to Z.
(02:12):
Um, and, and folks just, uh, youknow, use the term real estate,
um, along with their.
You know, need to get theirmortgages.
Uh, it, it, it is simultaneousor it works hand in hand.
Um, so that's, uh, again, that'swhat we're here for a to Z a to
Z.
Absolutely.
And so we are gonna have ourcontact information in the bio,
in the link below.
(02:32):
So you guys can reach out to usand I want to really encourage
everyone to reach out to us andask those questions.
If you have.
Um, a, a specific scenario thatyou wanna go over.
If we can help you, uh, moveforward in the process of buying
or selling a home.
That's, you know, essentiallywhy we're here.
Is it help you in the process togive you the information up
front on the podcast, but alsofor you to reach out to us and
(02:53):
ask us about.
Buying or selling real estate.
Yes, absolutely.
And, and, and, and those are thequestions that we get on a
regular basis.
Um, you know, anybody who hasbought, uh, or sold real estate
in the past knows, um, you know,it it's, there are a few
important things to know andunderstand.
Um, and again, that's why we'rehere is to go over that list
(03:13):
with you and whatever situationor scenario you may be in.
Um, and we wanna make sure thatyou are comfort.
Um, and you make the rightdecisions going forward.
Um, because both Jean and I are,are, are here to help you with
your financial goals, um, aswell as your real estate goals.
Yeah.
AB absolutely.
And you know, the market thatwe're in right now, we're
recording this in June, 2022 isa crazy market.
(03:36):
This it's crazy on the financeside.
It's crazy on the inventoryside.
Mm-hmm so being prepared aheadof time before you jump into it
is really, really importantright now, having somebody to
guide you through it is superimportant.
So, um, some of the things thatwe're gonna be going over in the
podcast on upcoming episodesthat we kind of have pre-planned
(03:56):
out or subjects, we wanna makesure that we, we touch base on
the process.
We're gonna start at thebeginning.
What do you need to know?
What, what do you need to knowabout getting preapproved?
We're gonna go over preapprovalson the next episode.
What do they mean?
Why do you need'em then we'regonna go talk about how to
choose your agent, why what'simportant.
What do you need to know?
Um, what to expect from youragent?
(04:18):
Um, those types of things.
And then we're also gonna bringon guests to talk about areas
that are maybe outside of ourexpertise, maybe home
inspections.
financial advisors, appraisals,um, different type of mortgage
products, such as a reversemortgage.
Those are all things that impactour industry and that you need
to have the information aboutmm-hmm.
(04:39):
absolutely absolutely well said.
And, and along with that, youknow, again, it's, it, it's a
ton of information sharing, um,as well as it education, uh, as
well as a little bit ofentertainment, um, you know, we,
we wanna make sure that folks,once they get in their new home,
um, understand what it is thatthey need to do, whether it just
(04:59):
be maintenance, um, spring,fall, winter, summer, whatever
the seasonal, uh, requirementsmay be.
And wherever you might be again,being on.
Uh, coast here in North Carolinais gonna be a little bit
different in preparation forwhatever it is, is on the west
coast of North Carolina.
Um, and, and again, we're hereto provide you with all that
(05:20):
information and we will have allthat information again, below,
uh, with our contacts.
Um, Information down there inthe bio below.
Yeah, absolutely.
And if you guys have a burningquestion that, that you want us
to talk about our subject, thatyou need to know more
information about that, thatmaybe we haven't touched comment
and let us know, send us a, atext or an email and say, Hey,
(05:40):
can you guys chat about this?
This is my situation.
We can absolutely cover those,um, episodes.
So we hope to be drop an episodeabout once a week.
That's the goal, maybe a littlemore often, depending on the
content and the time that we cancome up with it.
But about once a week is we hopeto bring you some information
that you can use, um, that'scurrent, um, and applies to this
(06:00):
market.
if we can keep up with it, itchanges so fast.
We gotta be able to keep up withit.
But yes, exactly.
Well, you say that and yes, wemight, uh, we might be, uh, we
might be podcasting more than weare actually.
That's true.
Working the way that things arechanging in the market.
Maybe a, maybe a daily, dailypodcast.
We don't, we aren't careful.
So absolutely.
I'm ready if you are so well,let's, let's tell everybody, um,
(06:24):
let's give everybody a littlequick background on who we are
and what we do.
And, um, so they know a littlebit about us now.
You're a real estate agent inthe area you're licensed in
North Carolina, obviously, butyou work primarily in the, um,
triad areas where you'rephysically located.
Tell us a little bit you.
How long have you been an agent?
I've been an agent about fiveyears now.
Um, a little bit more than that.
(06:45):
Um, so yeah, as we mentioningearlier, uh, yeah, the, the,
the, um, ups and downs andcycles of real estate are, are,
are, uh, uh, they are quiteregular.
If you can call it that, I knowthat's kind of an oxymoron.
Um, but yeah, uh, the cyclesthat real estate go through, um,
what we've seen here with thepandemic and everything else,
um, has been, um, um, nothingshort of.
(07:09):
Surprising.
Hmm.
I don't even know what would bethe record.
Yeah, absolutely.
It's surprising.
Uh, you know, who would'vethought, you know, two years ago
that.
You know, the interest rateswere dropping as quick as they
did.
Mm-hmm which, you know, ofcourse they went down to
historical lows, but, uh, again,where we are today is still at a
historical low mm-hmm you know,compared to where we were
previously two years before, uh,the pro, uh, before the pandemic
(07:32):
happened.
Um, but in any case, um, it'sbeen a heck of a ride already.
Um, but I got in the businessabout five years ago.
About the same time you did.
Um, and, and what drove me intothe business was.
Previous career was, uh, buyingand selling.
Building products, uh, twocontractors and homeowners, um,
(07:53):
and in doing so, um, I wasquickly intrigued with the, um,
amount of folk amount that thefolks were either, um, uh,
purchasing and or profiting for,you know, again, what they've
been doing in my industry.
Again, buying and selling, um,Building products.
Um, these folks jumped in as, aswe all recall, uh, HDTV kicked
(08:17):
off here in the last, uh, say 6,7, 8 years.
And, and it, uh, it droveeverybody's interest up to what
can I do with real estate?
Mm-hmm um, not just what canreal estate do for me.
right.
Absolutely.
Yes.
Everybody loves HDT I'm a betterfarmer and I have a budget of
4.5 million.
(08:37):
Absolutely.
I'd love to get a couple ofthose guys.
Um, but yeah, in doing so, um,you know, we learned the journey
pretty quick.
Um, I was really interested, uh,you know, again into, uh, not
only the flipping process, um,helping and learning what my
clients and customers were doingat the time.
Um, but also, uh, to build myown portfolio moving forward.
(08:59):
Um, and, uh, and if you're notinvesting into real estate, um,
you know, or haven't been ableto yet again, we have a great
market to do so.
And, um, and that's why we arehere, uh, is to guide you
through that process.
Yeah, absolutely.
And so, like Jeff said, I'vebeen in the business about the
same amount of time, about fourand a half years now.
And similar background, I gotinto the business, I actually
(09:21):
got my real estate license anddecided that, that wasn't for
me, that I selected being arealtor.
And so my loan officer whoclosed on my house was like, why
don't you become a loan officer?
And I was like, oh, that soundslike a great idea.
I got my license and movedthrough the process and, and
it's, it's been a, you know, um,it's been a progression of
learning, learning differentaspects of the industry.
(09:43):
and I've, I've worked indifferent, uh, industries as far
as, um, where a loan officer canwork it.
So what I mean by that is I'veworked for a small, uh, a small
shop.
I've worked for a bank and I'veworked for a big, you know,
lender, and now I'm working as,um, under a broker.
So I've had a wide variety of,of experience.
I've worked in all thoseindustries and I'm really
(10:05):
excited about, you know, The,the side that I'm in now as a
broker, I can choose the rightloan product for my borrower.
I don't have to go.
I don't have to make my borrowerfit into this lender's
guidelines.
I can take my borrower and findthe guidelines that fit them so
I can choose the right productfor them.
And I have a wide range ofproducts that I can choose from.
(10:27):
I'm not just limited to thestandard straight.
Conventional FHA loans.
I have, um, non-traditionalproducts, you know, all, all
kinds of loan products that, um,I can help borrowers with.
And that's, that'll be anotherepisode that we can get into,
but I really enjoy the spacethat I'm in.
I really enjoy helping thatfirst time home buyer.
Um, who saved and has workedhard, has fixed their credit.
(10:49):
And now they're ready to buy ahome.
And when closing day, that'sjust amazing to me when they
actually get into that home andstart building their wealth.
That's that's what really givesme, um, you know, a joy and kick
in doing this business.
Absolutely.
Absolutely.
And it is a, it, it iswonderful.
Um, you know, uh, I did have acouple of closings here just
recently there, first time homebuyers.
(11:11):
Um, and, and just like you said,the joy and relief yeah.
On their faces, you know, justby getting in and being able to
move forward in their realestate journey.
Right.
Is, is.
That's worth it, uh, that, thatreally truly is worth it.
And, um, and as you werementioning, yes, you being that
flexible with your, um, uh,products that you do carry on
(11:34):
again, a daily basis, um, youknow, builds, builds in the
flexibility for these folks.
Uh, as you mentioned, um, youknow, we do have surprises that
pop up from time to time, and ifwe need to adjust or pivot a
little bit, uh, again, having aresource for yourself, right.
Uh, available.
Again, knock PE not knock peopleout of the game.
It'll, you know, again, givethem another option to go ahead
(11:56):
and take care of the business.
Absolutely, absolutely.
100%.
Correct.
So again, I wanna thankeverybody for being here and,
and sticking with us and, andlook forward to those ne next
episodes.
Again, you can reach us.
Our information's gonna be belowand the, the bio will have links
to everything for you guys toreach out.
Please reach out and call us.
Um, don't, don't be afraid.
(12:17):
get started.
Take that first step, whetheryou're step where either buying
next month, whether you'rebuying six months from now or a
year from now, mm-hmm, it'snever too early to start
planning in preparation becausehonestly, the more prepared you
are, the better that process isgonna go.
In my opinion.
Absolutely.
Absolutely.
And that is so key, you know,um, there have been many times
here in the last couple years aswell with the market market
(12:39):
being as hard as it has been nowthat we've actually had to tell
people that, you know, eitherthey, um, are not qualified for
what it is that they're lookingfor, or if it, what they do want
to get into, they need to dothis, that, and the other thing
again, getting a to Z as to whatit is that they need to go ahead
and get taken care of.
Right.
Um, and that may.
Gina, as you mentioned, youcannot buy or you just aren't
(13:01):
be, aren't gonna be qualifiedfor three months or six months
or a year.
Right.
Um, and, and again, with the,uh, assistance and guidance of,
of some trusted individuals likeus, um, then again, we'll make
sure that folks are gonna be inperfect position when it comes
time to go ahead and get thatoffer on the table.
Right?
Absolutely preparation is thekey.
(13:22):
So use this as a, as a tool,reach out, give us a call.
So any last final words beforewe wrap up this podcast?
Well again, uh, appreciate usboth being here.
That's a great opportunity, butif you have any questions again
for any property, uh, whether ornot it's an investment property,
a real estate, uh, investment,uh, if you're looking to, uh,
(13:42):
purchase and or invest, um,please don't hesitate to give us
a call, use the information downbelow.
Um, I'm available here anywherein North Carolina, but again, I
focus in the triad and, uh, andGina, I know you've got, uh,
you've got North Carolina.
And I believe you've also haveVirginia and Georgia Georgia
currently.
Yes.
Yep.
I am currently licensedfantastic in those states.
(14:03):
So I can help you if you arelooking for a loan in those
states.
And if you aren't, I can findyou the right person that can
help you in your state.
Wonderful, wonderful.
That's it.
Anytime that we can offer, uh,again, any assistance, uh,
again, that's why we're here.
All right.
Perfect.
We will catch you guys on thenext episode.
Thank you for tuning in till thenext one.
Thanks.
Hello, and welcome to thepodcast.
Let's get moving with Jeff andGina.
I am one of your hosts, Gina.
Millway your mortgage advisor.
And this.
I'm Jeff Cunningham.
And I am your real estatespecialist here in triad of
North Carolina.
Absolutely.
So let's, let's give the folks,everybody who's tuning in.
First of all, I wanna thankeverybody for tuning in.
(00:22):
This is, um, this is my first goround at a podcast.
So, um, excited and, and nervousall at the same time, figuring
out how to do this.
Woohoo.
Yes.
Uh, you've got two of us here onthe same bus, so all right.
Hearing, hearing my own voice onthe microphone is gonna be odds
of fun.
So, um, oh, it's great.
You have a beautiful voice,Gina.
You're gonna hear that Southerndraw come out a little bit.
(00:46):
so, all right.
Let's let's uh, let's touch baseon, why are, why are we here?
What are we doing with thispodcast?
And who is it for?
Why should people hang.
Absolutely.
Absolutely.
Well, you know, as, as you and Ihad discussed previously,
knowing that folks need to getsome information, uh, and be
prepared for buying, um, sellingor investing in real estate, um,
(01:07):
you know, you and I decided thatthis would be the best way to
get to as many people.
That will just listen.
Yep.
And I think podcasting is agreat means to distribute
information.
I know I have a ton of podcaststhat I listen to regularly every
day as they're dropping newepisodes.
I can't wait for'em to come out.
So I know you do the same.
I do.
I do.
I, I, I, that's one of my, uh,alternate news, uh, or alternate
(01:31):
ways to get news nowadays.
Yeah, absolutely.
Um, you know, tons ofinformation.
Yeah, absolutely.
It's a great way.
So, you know, and one of theways that we're gonna use this
is to help the consumer and whowants to buy real estate
essentially.
So we're looking to put this outfor consumers who are looking to
buy, uh, a house or sell ahouse, whether it be their first
(01:52):
home, a second home, uh, a moveup buyer or an investment
property, whatever the case maybe, anybody who needs to
purchase or sell real estate.
We're talking to you guys.
Mm, absolutely.
And, uh, and we don't want toput it out there or steal
anybody's lines, but we areeverything real estate, um, from
a to Z.
(02:12):
Um, and, and folks just, uh, youknow, use the term real estate,
um, along with their.
You know, need to get theirmortgages.
Uh, it, it, it is simultaneousor it works hand in hand.
Um, so that's, uh, again, that'swhat we're here for a to Z a to
Z.
Absolutely.
And so we are gonna have ourcontact information in the bio,
in the link below.
(02:32):
So you guys can reach out to usand I want to really encourage
everyone to reach out to us andask those questions.
If you have.
Um, a, a specific scenario thatyou wanna go over.
If we can help you, uh, moveforward in the process of buying
or selling a home.
That's, you know, essentiallywhy we're here.
Is it help you in the process togive you the information up
front on the podcast, but alsofor you to reach out to us and
(02:53):
ask us about.
Buying or selling real estate.
Yes, absolutely.
And, and, and, and those are thequestions that we get on a
regular basis.
Um, you know, anybody who hasbought, uh, or sold real estate
in the past knows, um, you know,it it's, there are a few
important things to know andunderstand.
Um, and again, that's why we'rehere is to go over that list
(03:13):
with you and whatever situationor scenario you may be in.
Um, and we wanna make sure thatyou are comfort.
Um, and you make the rightdecisions going forward.
Um, because both Jean and I are,are, are here to help you with
your financial goals, um, aswell as your real estate goals.
Yeah.
AB absolutely.
And you know, the market thatwe're in right now, we're
recording this in June, 2022 isa crazy market.
(03:36):
This it's crazy on the financeside.
It's crazy on the inventoryside.
Mm-hmm so being prepared aheadof time before you jump into it
is really, really importantright now, having somebody to
guide you through it is superimportant.
So, um, some of the things thatwe're gonna be going over in the
podcast on upcoming episodesthat we kind of have pre-planned
(03:56):
out or subjects, we wanna makesure that we, we touch base on
the process.
We're gonna start at thebeginning.
What do you need to know?
What, what do you need to knowabout getting preapproved?
We're gonna go over preapprovalson the next episode.
What do they mean?
Why do you need'em then we'regonna go talk about how to
choose your agent, why what'simportant.
What do you need to know?
Um, what to expect from youragent?
(04:18):
Um, those types of things.
And then we're also gonna bringon guests to talk about areas
that are maybe outside of ourexpertise, maybe home
inspections.
financial advisors, appraisals,um, different type of mortgage
products, such as a reversemortgage.
Those are all things that impactour industry and that you need
to have the information aboutmm-hmm.
(04:39):
absolutely absolutely well said.
And, and along with that, youknow, again, it's, it, it's a
ton of information sharing, um,as well as it education, uh, as
well as a little bit ofentertainment, um, you know, we,
we wanna make sure that folks,once they get in their new home,
um, understand what it is thatthey need to do, whether it just
(04:59):
be maintenance, um, spring,fall, winter, summer, whatever
the seasonal, uh, requirementsmay be.
And wherever you might be again,being on.
Uh, coast here in North Carolinais gonna be a little bit
different in preparation forwhatever it is, is on the west
coast of North Carolina.
Um, and, and again, we're hereto provide you with all that
(05:20):
information and we will have allthat information again, below,
uh, with our contacts.
Um, Information down there inthe bio below.
Yeah, absolutely.
And if you guys have a burningquestion that, that you want us
to talk about our subject, thatyou need to know more
information about that, thatmaybe we haven't touched comment
and let us know, send us a, atext or an email and say, Hey,
(05:40):
can you guys chat about this?
This is my situation.
We can absolutely cover those,um, episodes.
So we hope to be drop an episodeabout once a week.
That's the goal, maybe a littlemore often, depending on the
content and the time that we cancome up with it.
But about once a week is we hopeto bring you some information
that you can use, um, that'scurrent, um, and applies to this
(06:00):
market.
if we can keep up with it, itchanges so fast.
We gotta be able to keep up withit.
But yes, exactly.
Well, you say that and yes, wemight, uh, we might be, uh, we
might be podcasting more than weare actually.
That's true.
Working the way that things arechanging in the market.
Maybe a, maybe a daily, dailypodcast.
We don't, we aren't careful.
So absolutely.
I'm ready if you are so well,let's, let's tell everybody, um,
(06:24):
let's give everybody a littlequick background on who we are
and what we do.
And, um, so they know a littlebit about us now.
You're a real estate agent inthe area you're licensed in
North Carolina, obviously, butyou work primarily in the, um,
triad areas where you'rephysically located.
Tell us a little bit you.
How long have you been an agent?
I've been an agent about fiveyears now.
Um, a little bit more than that.
(06:45):
Um, so yeah, as we mentioningearlier, uh, yeah, the, the,
the, um, ups and downs andcycles of real estate are, are,
are, uh, uh, they are quiteregular.
If you can call it that, I knowthat's kind of an oxymoron.
Um, but yeah, uh, the cyclesthat real estate go through, um,
what we've seen here with thepandemic and everything else,
um, has been, um, um, nothingshort of.
(07:09):
Surprising.
Hmm.
I don't even know what would bethe record.
Yeah, absolutely.
It's surprising.
Uh, you know, who would'vethought, you know, two years ago
that.
You know, the interest rateswere dropping as quick as they
did.
Mm-hmm which, you know, ofcourse they went down to
historical lows, but, uh, again,where we are today is still at a
historical low mm-hmm you know,compared to where we were
previously two years before, uh,the pro, uh, before the pandemic
(07:32):
happened.
Um, but in any case, um, it'sbeen a heck of a ride already.
Um, but I got in the businessabout five years ago.
About the same time you did.
Um, and, and what drove me intothe business was.
Previous career was, uh, buyingand selling.
Building products, uh, twocontractors and homeowners, um,
(07:53):
and in doing so, um, I wasquickly intrigued with the, um,
amount of folk amount that thefolks were either, um, uh,
purchasing and or profiting for,you know, again, what they've
been doing in my industry.
Again, buying and selling, um,Building products.
Um, these folks jumped in as, aswe all recall, uh, HDTV kicked
(08:17):
off here in the last, uh, say 6,7, 8 years.
And, and it, uh, it droveeverybody's interest up to what
can I do with real estate?
Mm-hmm um, not just what canreal estate do for me.
right.
Absolutely.
Yes.
Everybody loves HDT I'm a betterfarmer and I have a budget of
4.5 million.
(08:37):
Absolutely.
I'd love to get a couple ofthose guys.
Um, but yeah, in doing so, um,you know, we learned the journey
pretty quick.
Um, I was really interested, uh,you know, again into, uh, not
only the flipping process, um,helping and learning what my
clients and customers were doingat the time.
Um, but also, uh, to build myown portfolio moving forward.
(08:59):
Um, and, uh, and if you're notinvesting into real estate, um,
you know, or haven't been ableto yet again, we have a great
market to do so.
And, um, and that's why we arehere, uh, is to guide you
through that process.
Yeah, absolutely.
And so, like Jeff said, I'vebeen in the business about the
same amount of time, about fourand a half years now.
And similar background, I gotinto the business, I actually
(09:21):
got my real estate license anddecided that, that wasn't for
me, that I selected being arealtor.
And so my loan officer whoclosed on my house was like, why
don't you become a loan officer?
And I was like, oh, that soundslike a great idea.
I got my license and movedthrough the process and, and
it's, it's been a, you know, um,it's been a progression of
learning, learning differentaspects of the industry.
(09:43):
and I've, I've worked indifferent, uh, industries as far
as, um, where a loan officer canwork it.
So what I mean by that is I'veworked for a small, uh, a small
shop.
I've worked for a bank and I'veworked for a big, you know,
lender, and now I'm working as,um, under a broker.
So I've had a wide variety of,of experience.
I've worked in all thoseindustries and I'm really
(10:05):
excited about, you know, The,the side that I'm in now as a
broker, I can choose the rightloan product for my borrower.
I don't have to go.
I don't have to make my borrowerfit into this lender's
guidelines.
I can take my borrower and findthe guidelines that fit them so
I can choose the right productfor them.
And I have a wide range ofproducts that I can choose from.
(10:27):
I'm not just limited to thestandard straight.
Conventional FHA loans.
I have, um, non-traditionalproducts, you know, all, all
kinds of loan products that, um,I can help borrowers with.
And that's, that'll be anotherepisode that we can get into,
but I really enjoy the spacethat I'm in.
I really enjoy helping thatfirst time home buyer.
Um, who saved and has workedhard, has fixed their credit.
(10:49):
And now they're ready to buy ahome.
And when closing day, that'sjust amazing to me when they
actually get into that home andstart building their wealth.
That's that's what really givesme, um, you know, a joy and kick
in doing this business.
Absolutely.
Absolutely.
And it is a, it, it iswonderful.
Um, you know, uh, I did have acouple of closings here just
recently there, first time homebuyers.
(11:11):
Um, and, and just like you said,the joy and relief yeah.
On their faces, you know, justby getting in and being able to
move forward in their realestate journey.
Right.
Is, is.
That's worth it, uh, that, thatreally truly is worth it.
And, um, and as you werementioning, yes, you being that
flexible with your, um, uh,products that you do carry on
(11:34):
again, a daily basis, um, youknow, builds, builds in the
flexibility for these folks.
Uh, as you mentioned, um, youknow, we do have surprises that
pop up from time to time, and ifwe need to adjust or pivot a
little bit, uh, again, having aresource for yourself, right.
Uh, available.
Again, knock PE not knock peopleout of the game.
It'll, you know, again, givethem another option to go ahead
(11:56):
and take care of the business.
Absolutely, absolutely.
100%.
Correct.
So again, I wanna thankeverybody for being here and,
and sticking with us and, andlook forward to those ne next
episodes.
Again, you can reach us.
Our information's gonna be belowand the, the bio will have links
to everything for you guys toreach out.
Please reach out and call us.
Um, don't, don't be afraid.
(12:17):
get started.
Take that first step, whetheryou're step where either buying
next month, whether you'rebuying six months from now or a
year from now, mm-hmm, it'snever too early to start
planning in preparation becausehonestly, the more prepared you
are, the better that process isgonna go.
In my opinion.
Absolutely.
Absolutely.
And that is so key, you know,um, there have been many times
here in the last couple years aswell with the market market
(12:39):
being as hard as it has been nowthat we've actually had to tell
people that, you know, eitherthey, um, are not qualified for
what it is that they're lookingfor, or if it, what they do want
to get into, they need to dothis, that, and the other thing
again, getting a to Z as to whatit is that they need to go ahead
and get taken care of.
Right.
Um, and that may.
Gina, as you mentioned, youcannot buy or you just aren't
(13:01):
be, aren't gonna be qualifiedfor three months or six months
or a year.
Right.
Um, and, and again, with the,uh, assistance and guidance of,
of some trusted individuals likeus, um, then again, we'll make
sure that folks are gonna be inperfect position when it comes
time to go ahead and get thatoffer on the table.
Right?
Absolutely preparation is thekey.
(13:22):
So use this as a, as a tool,reach out, give us a call.
So any last final words beforewe wrap up this podcast?
Well again, uh, appreciate usboth being here.
That's a great opportunity, butif you have any questions again
for any property, uh, whether ornot it's an investment property,
a real estate, uh, investment,uh, if you're looking to, uh,
(13:42):
purchase and or invest, um,please don't hesitate to give us
a call, use the information downbelow.
Um, I'm available here anywherein North Carolina, but again, I
focus in the triad and, uh, andGina, I know you've got, uh,
you've got North Carolina.
And I believe you've also haveVirginia and Georgia Georgia
currently.
Yes.
Yep.
I am currently licensedfantastic in those states.
(14:03):
So I can help you if you arelooking for a loan in those
states.
And if you aren't, I can findyou the right person that can
help you in your state.
Wonderful, wonderful.
That's it.
Anytime that we can offer, uh,again, any assistance, uh,
again, that's why we're here.
All right.
Perfect.
We will catch you guys on thenext episode.
Thank you for tuning in till thenext one.
Thanks.
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