Episode Transcript
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Speaker 1 (00:00):
Welcome to the Business Happy Hour radio show with your host,
Frank the Bank Coodo, the owner of Lincoln Lending Group
right here in Tampa Bay for twenty three years, joined
by his incredible co host, Senya Akishna, realtor with Mahara
and Associates.
Speaker 2 (00:15):
Tampa's top real estate company.
Speaker 1 (00:17):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (00:23):
If you're looking for local mortgage or real estate advice.
Speaker 1 (00:25):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade. Listen right here,
or find us on the Business Happy Hour YouTube channel,
or follow us on Instagram at Frank Thebankkodo. Now, sit back, relax,
and get ready for some serious mortgage, real estate and
business talk with two of Tampa's top experts.
Speaker 3 (00:44):
Here's Frank the Bank and Senia.
Speaker 4 (00:47):
Hey, Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things all Well, thanks,
business and entrepreneur. I cannot even talk today because Frank
the Bank has been on vacation for about a week,
and man, you know, sometimes those vacations are just really
really needed, and sometimes you need a vacation from your vacation.
(01:08):
But today is not one of them. Today is one
of those days where I came back rested. I feel good,
I feel I feel like.
Speaker 3 (01:15):
Going to work. But guess what, it's Friday. It's not
even really a wark day. It's Friday, That's right, And
what better day to have.
Speaker 4 (01:25):
An amazing co host in studio with me? Then Ryan
Owens from Rhino Mortgage. How you doing, Ryan, Rhino is
charged up today. You look charged, you look good. You
look like you just came back from a vacation.
Speaker 3 (01:38):
I told Ryan, this guy, I want to tell he's
all dressed up.
Speaker 4 (01:42):
He's looking the way Frank the bank normally looks like
a bank, right right, But Frank the Bank came back
from vacation.
Speaker 3 (01:47):
He got a little workout in credit today. You look
at Credit Union?
Speaker 4 (01:51):
Wait, does that mean that I'm overpriced? And I and
I'm not as professional as a regular mortgage guy.
Speaker 3 (01:55):
I set him up. He knocks them down. So he
sure did knock that one down. But I want to
thank Ryan. This is Ryan Owens.
Speaker 4 (02:02):
By the way, Ryan just got back into the mortgage
business and decided to join the Lincoln Lending team. And
I am super excited because guys, I'm gonna make you
a promise here on today's show.
Speaker 3 (02:11):
I don't make a lot of promises, but I'm gonna
make you a promise.
Speaker 4 (02:14):
Today's show is gonna have extra excitement because you have
like double the Frank the Bank in here. If there's
anybody who shares my energy, if there's anybody who I
can just say, Ryan, go do the radio show. Ryan Go,
get up in front of five hundred people that says, oh,
hell yeah, let's.
Speaker 3 (02:32):
Go, it's Ryan. Oh charge he is charged up.
Speaker 4 (02:35):
Man, He's got he's got his own camera on, he's
got microphones left and right on him. This guy, I
just love it. So Ryan, welcome to the Business Happy Hour.
I'm so glad to be here on the Business Happy Hour.
Speaker 3 (02:44):
I've been waiting for this. This is a dream come true.
You have I'm not even kidding. I love I love
this studio. So I'm glad to be here. Thanks for
having me. Frank the Bank, you are welcome. You are welcome.
So on the show today, Ryan and I we're gonna
have a little fun.
Speaker 4 (02:56):
We're gonna talk about my little We're gonna talk about
Father's Day because both Ryan and I are fajas. We
are fajas. So we're gonna find I'm gonna find out
what Ryan did. Were gonna talk about a little bit
what I did. What did you guys do on your
Father's Day? Is that That's what we're gonna talk about.
Was it a good one with your family? Then we're
gonna talk a little bit about the real estate market.
Speaker 3 (03:14):
Ryan and I.
Speaker 4 (03:15):
The best part about the show today is we did
not prepare.
Speaker 3 (03:19):
No anything off the cuff today. Off the cuff.
Speaker 4 (03:22):
But this guy has been in the real estate industry
for like what fifteen years something like that. Am I
outdating you?
Speaker 3 (03:28):
That's okay, I'll take it. I've been I've been ten
ten decade.
Speaker 4 (03:32):
Okay, decade, decade, were go a decade. He's been in
it long enough that I know I can talk about
anything with him.
Speaker 3 (03:37):
He's in tuned.
Speaker 4 (03:38):
The main thing, one of the biggest things that sets
Ryan apart in the mortgage industry, in the real estate
space is his I wouldn't say nack or love, but
his experience with video, social media, the magic.
Speaker 3 (03:51):
Of the camera and what it can do for you.
I mean, just look at him.
Speaker 4 (03:54):
Look at his face right And by the way, if
you're listening to the radio radio.
Speaker 3 (03:57):
Look at that listening to.
Speaker 4 (04:00):
Us right now on nine to seventy on a WFLA.
I do encourage you to watch us on Instagram. Go
to Frank the Bank Codo on Instagram or just go
to Frank Coodo. I put it on the Facebook as
well as Frank Cooda the Third on Facebook.
Speaker 3 (04:13):
And just follow us and then you'll see when we
go live.
Speaker 4 (04:16):
Normally we're live every Tuesday from about eleven fifteen to twelve.
Today we're doing a little makeup show because it was
it's summer, a little vacation this summertime, you know, in
summertime in the LBC, it is in the TPA. So anyway,
let's later on we'll talk about the market. Then we're
I'm going to find out how Ryan, where Ryan came from,
how's he tick, How'd he get back into mortgages, And
(04:38):
we're going to answer some questions about Lincoln Lending Group.
Why Lincoln Lending Group. Ryan knows so many people in
this town.
Speaker 3 (04:44):
He has been around. How long you've been in Tampa.
I just hit the immediately got into real estate when
I got here, but ten years.
Speaker 4 (04:51):
Ten years, ten years, so ten years Ryan's been around.
Ryan has worked with hundreds of real estate companies, mortgage companies,
title companies, all kinds of stuff. And he chose Lincoln
Lending Group not only as a consumer, but somewhere to
plan to put his roots and to grow his career
in mortgages. So we're gonna find out why. I'm gonna
ask Ryan the hard question. H And again, we didn't
(05:12):
prepare for this. We didn't set this up. If Ryan
says something I don't like, not much I can do
about it because we're live on the radio.
Speaker 3 (05:17):
What's red button for? Is that?
Speaker 4 (05:19):
That's that's actually the dump button? I don't I don't know.
James has never taught me how it really worked because
I never say anything bad?
Speaker 3 (05:25):
Oh oh oh wow? Did you soph you hear anything
you don't like? Go in and hit the dump button?
I guess that cuts us off the radio, totally cuts
us completely off the radio.
Speaker 4 (05:35):
We don't want to hit that button. So he's like, listen,
that'll shut down the whole station, So don't hit But
what it's like a kid, right when you see a
red button, seeing it's over front of you, that.
Speaker 3 (05:43):
Looks like the most pushable button. I've ever seen, Like James,
that's not a good spot to have people like us
at the studio.
Speaker 4 (05:49):
You don't, yeah right, you don't just put a red
button on a dash in front of me. Don't tell,
by the way, totally this we love squirreling on the
radio show. As a kid, I have this memory. Okay,
I went and visited my great grandmother in a little
town in North Carolina, and she was staying in a
nursing home. And when I went to the bathroom, and
I was probably like six years old. Do you ever
(06:09):
remember and they probably still have these nursing homes where
there's like a cord coming out of the wall or
hanging from the ceiling and it goes all the way
to the ground.
Speaker 3 (06:17):
It's an emergency cord, like if you fall in your
in the bathroom and like the toilet. Oh, not that one.
I was a kid.
Speaker 4 (06:25):
I remember pulling it and then like they all ran
in and rushed in like what's wrong, Rosa.
Speaker 3 (06:29):
I'm like, oh, I don't know, and they're like, you
don't pull.
Speaker 4 (06:32):
A cordum And as a kid, I'm sitting here thinking
a six year old, well, why would you put a
cord right there?
Speaker 3 (06:37):
And those are meant to be pulled right right, Yeah,
I get it. Even at forty, I'm pulling the cord,
falling the cord.
Speaker 4 (06:44):
That's why the shout signs to say don't pull right.
Although I think that button does say push, doesn't it?
Speaker 3 (06:49):
It says dump, which is, you know, ambiguous. I don't
know what that means.
Speaker 4 (06:53):
Let's well, Ryan, I'm willing to bet if you ask
him a hundred people what dump means, you're gonna get
a hundred different answer.
Speaker 5 (06:58):
Shout out to my brother, original dump, the original dump.
There you go, that's the story, all right. So Ran,
let's let's talk. Let let's start a little bit here.
Let's talk Father's Day. So there's five.
Speaker 3 (07:09):
Yeah, what'd you do? The twentieth most celebrated holiday in America?
Speaker 2 (07:14):
Is it?
Speaker 3 (07:15):
Arbor Day? Is number sixteen? We're behind Arbor Day. But
that's okay, Fathers, you are important. Trees are more important
than us. You know, I totally forgot what Arbor Day was.
It is about trees. Isn't it about tree? You know what?
We're planting our roots as fathers, and uh, well, we
already sold our seed. We did so our seed it's
growing and my kids are growing real fast? How are
(07:35):
you kids? My daughter just turned actually the sixteenth, so
day after Father's Day, she turned five years old. She's
a pandemic baby. Oh June of twenty twenty. Wait she is,
She's right? Yeah, Like nobody's in the hospital, but the
parents like complete post apocalyptic desolation at the hospital. It's
(07:59):
just a crazy hold on me. Ask you.
Speaker 4 (08:00):
As soon as she came out, did they put a
little baby mask on her?
Speaker 3 (08:04):
No? Lord, I would have burned the place down. But
what they did do, though, is we actually, I'll tell
you a quick story. We didn't know what the sex
of the child was going to be. We waited, we
had them wait until the moment of birth to know
whether it was a boy or girl, which was a
fascinating experience. So anyone out there, you ain't living until
(08:24):
you don't know what your child's gonna be until the moment.
Were you on the business at seventeen hundreds? It was amazing.
It was like the seventeen and they probably like put
a mirror up there or something. I don't know, but
I know we should look that up. We should look
that up.
Speaker 4 (08:37):
So what happened were you on the business end when
when it went down.
Speaker 3 (08:40):
Yeah, and you know, I'm a video guy. Oh no,
you did not. I was trying to video it, you know,
not you know the right angle. I was trying to
get the right angle with it. But is there a
right angle with my camera? For the first time ever
had shut off, almost like it was divine providence, like
God was saying, this is just for you, not no
recording it ain't it just for you to experience right now.
(09:01):
So that was that's what went down.
Speaker 4 (09:03):
And and and so you saw before your wife even saw, right.
Speaker 3 (09:08):
Yeah, I gotta, I had I had a I was
right there and was your face like, it's all it's oh,
it's not there. No, it's missing.
Speaker 4 (09:21):
Hold on, doctor's something missing here exactly right now?
Speaker 3 (09:25):
Wait your son?
Speaker 2 (09:26):
Wait?
Speaker 3 (09:27):
Okay, your your son's older. My son is nine years old. No, okay, okay, guys,
he's nine. He's so you did it perfect, Ryan, I
think so. I think so too, completely agree, Thank you.
It was the way to go. I recommend having a
baby during a pandemic and two children, boy and girl. Perfect.
I mean, I don't know what else you could have done.
Speaker 4 (09:45):
That is pretty funny because the world gets shut down
and like three months later, Ryan's having a baby.
Speaker 3 (09:49):
Yes, you know, existential threat and a new baby.
Speaker 4 (09:54):
I love it.
Speaker 3 (09:54):
Yeah, I love it.
Speaker 4 (09:55):
So speaking of existential threats, so little things going on
over in Israel, right, I don't know.
Speaker 3 (10:01):
We won't go into all that. I got a lot
to say, don't get me started on that. Hey, folks,
if you're driving, listen to the radio. Ten and two
seat belts on. Right. I love it. So Father's Day?
What did you guys do for Father's Day? You know
what they treated me like? It was like they treated
me like Father's Day wasn't after Arbor Day. They really
put me in the number one spot for Father's Day.
(10:21):
It was quite amazing. I got some amazing gifts. I
even got for some reason. Now, I'm I just turned forty.
I didn't know it was pickleball time, but I got
pickleball outfit given to me as part of my Father's Day.
These shorts look absolutely ridiculous. They are long, They literally
(10:41):
look like Capri's and I had to tell my wife
I love it, but please take these back for wait,
is this thing? I don't know. Do any of you
out there have pickleball shorts? Yeah? I didn't know it
was a thing. But I guess I'm gonna look this
up right now. I've got to see it. Pickleball shorts.
Maybe it was just where where she had purchased those,
but I mean it literally went down halfway down your ankle.
(11:01):
But I was still very thankful. They took really good
care of me on Father's Day, and I really enjoyed it.
Speaker 4 (11:06):
I mean, I'm trying to look it up right now
to see if like pickleball outfits.
Speaker 3 (11:11):
Men. Now, you know, men, we really got it. They
want us to show those legs. These I know, right,
That's why I'm surprised. In the seventies, the seventies, you
know you had the thigh cutter, you know, really short shorts.
Those are back. These are like a rebellion against those. Well,
oh yes, it's on that note. We're going to take
a break. So men, By the way, I just googled
pickleball shorts.
Speaker 4 (11:32):
I do see some bored, shortish style ones here. Not
seeing the capris, I'm thinking Ryan's family was playing a
joke on him. Guys, I think they're like, Dad, if
you wear those. We were taking pictures of seven because
I'll tell you my son thirteen seconds left my son's
every time I wear shorts are even close to my knees,
He's like, oh God, you're so old, so I have
to Now they're into like five ankle socks.
Speaker 3 (11:54):
That's right, five inch, seven inch, four inch. What are
you into?
Speaker 4 (11:56):
We're on the Business Happy Our Stay tune with Ryan
Owens talking about the real estate market and the y Lincoln.
Speaker 3 (12:01):
When we get back, stay tuned.
Speaker 1 (12:03):
All the best mortgage or real estate advice from Tampa
Bay's top experts. It's the Business Happy Hour with Frank,
Debankkoto and Seniasha.
Speaker 4 (12:15):
Welcome back to the Business Happy Hour, the number one
show for all things business and entrepreneurial.
Speaker 3 (12:22):
We're having a good time.
Speaker 4 (12:23):
I'm doing my show description right now over here, trying
to get ahead of the game for mister producer today
because I'm pushing him late.
Speaker 3 (12:29):
So you guys have to listen to me say this
the description of today's show.
Speaker 4 (12:31):
By the way, we are a podcast, okay, we are
not just the radio show on WFLA uh and you
can listen to us on twelve fifty DEBH and Z
and there's an FM channel we're on as well. I
can never remember James, what's the name of that one
one O two point five, No, one O five, one
oh five FM. Find us over there on five. James like, yeah,
(12:52):
it's one of five. Just tell people to go to
one O five. So you go to any of those
channels listen to us on the radio. You can also
watch our Instagram love I've every Tuesday ish from eleven
fifteen until twelve normally, and we are also on Facebook
and Frank the Bank.
Speaker 3 (13:09):
What is it?
Speaker 4 (13:09):
Frank the Bank codo on Instagram, Frank Coto on Facebook,
Business Happy Hour. We're also on YouTube. We put the
Business Happy Hour shows there and we always are on iHeartRadio,
Spotify and all those other podcast channels. So we like
telling you go to iHeartRadio right now. The description of
the show is going for this one is why Lincoln
Lending Group with mortgage professional Ryan Owens, And the description
(13:31):
is why would you choose Lincoln Lending Group over the
other hundreds of mortgage companies that you could choose in town.
Ryan Owens, a longtime industry professional, joined the team and
tells us the why he made this decision.
Speaker 3 (13:47):
I love your multitasking skill like that guy, I am
I just multitasked on today. It can't be done. I
just watched it. It's real.
Speaker 4 (13:54):
Have you ever heard Okay, I'm gonna squirrel just a
little bit. Then I'm gonna go back to Father's Day.
Then I'm going to talk to the market with Ryan.
Have you ever heard of the seventy five percent rule? No,
I kind of made it up. I kind of made
it up up. I've heard something probably why, Probably why
I made it up amongst us some other rules that
I've heard, And basically it has to do with with
learning to delegate and learning to let go. And that
(14:15):
was one of the hardest things for me as a
business owner being a business self employee twenty five years.
It took fifteen years to decide, oh God, I need
to start letting go, and that probably took three years
to actually let go. And then every day it's a struggle.
I mean every day you constantly have to do it.
But I created this called the seventy five percent rule.
And what I said to myself was, if you're a guy,
(14:36):
and I know Ryan's like me, who every you want
things to be perfect and you want it to be
done your way, and you're like, listen, it's got to
be done this way, because I know this is.
Speaker 3 (14:43):
The right way to do it. Amen.
Speaker 4 (14:45):
But Ryan and I can only do so much by ourselves,
so we have to let go. So I had to
make a decision that things can be seventy five percent.
Speaker 3 (14:53):
As good as what I would do is just phenomenon
which rise.
Speaker 4 (14:58):
Is amazing, right because I listen, I know you're perfectionist,
and if something is seventy five percent is good is
what you could do, then I know it's probably one
hundred percent of what somebody who's not like you're gonna
got jape. But my wife holds it against me because
because I always I only can put seventy five percent
of my energy into one thing at one time, so
I can always have that twenty five percent to throw
into something else, just like the little multitasking I was doing.
Speaker 3 (15:18):
So she'll be like, you're only giving it seventy five percent.
You know you're losing bubble and go.
Speaker 4 (15:22):
And guess what I just accomplished and you didn't, yea,
And that never goes well. By the way, don't say
that to your wife.
Speaker 3 (15:28):
Don't do it.
Speaker 4 (15:29):
Relationship advice here on the business half yard. So back
to Father's Day. Ryan had a wonderful day, who was
treated like a king. That's great.
Speaker 3 (15:37):
I was, I really was. I love it.
Speaker 4 (15:39):
I love it.
Speaker 3 (15:39):
Which is my name, by the way, little king iris Gaelic,
It's my name is Ryan. You're Ryan out there, You're
a little king. I've read that I actually got treated
like one for a few hours of the year, which
I'll take five hours. I'll take whatever you can. I'll
take seventy five percent of any any kind of love
from the family. So I was. I took it well,
I guess.
Speaker 4 (15:58):
I took the family on a vacation for filey.
Speaker 3 (16:00):
I did, which looked amazing.
Speaker 4 (16:02):
It was awesome. I put out one post. I put
out my thousand. I put two posts total the whole trip.
I tried to not be on the phone and be
present right and I feel like the family recognize.
Speaker 3 (16:10):
That is beautiful. It was nice.
Speaker 4 (16:12):
I did put out a post from uh God, now
I'm losing my mind on this beautiful bay in Ezuma.
I can't remember the name off the top of my head.
But I put out a post on my one thousandth post, Ryan,
I love one thousand from a bay in Azuma, like
like Foothill Bay or something like that. In a zooma.
Speaker 3 (16:31):
It was beautiful.
Speaker 4 (16:32):
If you ever get a chance to go to a Zuma,
go it is the land of a million beaches, the
sandbars like nothing I've ever seen.
Speaker 3 (16:38):
Beautiful it was. And you were swimming with pigs, which yeah.
Speaker 4 (16:41):
I swim when swim with pigs, that's right. That was
a request of my daughter. So the very last day
I had to pay somebody to take us on a
boat to a freakin island. Anyway, by the way, pigs poop,
They poop in the water, they poop on the land,
they poop on your hand. They do whatever Sam I
am anyway, so that was fun. So a zooma for
Father's Day for me, traveled with the family. We had
(17:03):
a wonderful vacation time, treated like a king by all
on the island. It was wonderful, very local island, very nice.
Definitely recommend you guys check it out. Very different from
the Nassau's the free ports.
Speaker 3 (17:14):
Zooma zoom eg Zuma.
Speaker 4 (17:16):
Little little painting about to get there sometimes, but it
was good. So Ryan, we got a couple minutes left
in this segment. You know what I really want to
do is I want I want the listeners. I want
to learn about Ryan Owens. But I tell you what
we'll do in the last two minutes. We're just going
to talk a little bit about the market. When we
get back, We're to find out who Ryan Owens is
and why he decided to stay in this crazy industry,
(17:37):
and why he chose Lincoln Lending Group, and what does
he have in store wage to talk about that?
Speaker 3 (17:41):
Right?
Speaker 4 (17:42):
What does he having store for you? So, Ryan, the market,
we got a couple of minutes. You know, just in general,
how are you feeling about the mortgage in the real
estate market. Let's talk specific to our area, the Tampa
Bay central Florida area. How do you feel about it?
Speaker 3 (17:53):
I feel that we are on the precipice of a
floodgate opening in the likes of which you as a
twenty five year veteran myself, uh and people, I don't
care how long you've been in the business, We're about
to see floodgates open because buyers are a lot of
them are sitting on their hands right now. Yeah, you
can feel the damn the collection of the need to
(18:14):
upgrade that home, to abandon that three percent interest rate,
to upgrade, downgrade, whatever they need to do. There is
so much pent up demand that when we do see,
Because first of all, you're working with Lincoln Lending, We've
got all kinds of tricks to get you in a
home right now. But the vast majority of the market
is going to come out here soon, and I'm just
I'm anticipating something like in the likes of which the
(18:36):
mortgage business and real estate has never seen before.
Speaker 4 (18:38):
I used a big word to you, the precipitous, precipice, precipice.
So the precipice, Ryan, What is the key factor that
you think might just open up these floodgates.
Speaker 3 (18:50):
Well, it's all about consumer sentiment and only thing that
matters no matter what we say, how does a buyer feel?
The buyer feels that right now because they're not educated
by those at Lincoln Lending group that they feel using.
They're leaning on their own understanding of the market and
watching the legacy news. They're paying attention to Uncle Fred
who bought a home back in the eighties at eighteen
(19:11):
percent interest and all these other things. They don't know
that right now, first of all, can be an amazing
time to buy, but they just don't feel like it's
time to enter the market right now. They're feeling like
they should sit, They're feeling like they should wait right okay,
but they're about to soon enough not feel that way anymore.
And if you pay attention more to Frank the bent
Code at Lincoln Lending Group as a broker a wholesale
(19:33):
lender in Tampa Bay, you can realize that right now
could really flip your feeling about can I buy? Because
you absolutely can. And we're going to answer that question
generally just the whole market itself. We're about to see
it open up.
Speaker 4 (19:46):
And Ryan and I are going to talk about more
in the show why it's going to open up and
why it is the time to buy, because I promise
you there's people are on the fence and they are
ready to jump over. You don't want to be the
last guy over the fence. That's like your high school part.
You don't want to be the last guy with the
fans when the coppit. No, No, you don't want to
be the last guy this time. Stay tuned in the
Business Happy hour'll be back with more of Ryan Owens
(20:06):
and why Lincoln.
Speaker 1 (20:08):
Welcome to the Business Happy Hour radio show with your
host Frank de Bankkodo, the owner of Lincoln Lending Group
right here in Tampa Bay for twenty three years, joined
by his incredible co host, Sennia Akishna, realtor with Mahara
and Associates.
Speaker 2 (20:23):
Tampa's top real estate company.
Speaker 1 (20:25):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (20:30):
If you're looking for local mortgage or.
Speaker 1 (20:32):
Real estate advice, the Business Happy Hour team has been
right here on news radio WFLA for over a decade.
Speaker 2 (20:38):
Listen right here.
Speaker 1 (20:39):
Or fight us on the Business Happy Hour YouTube channel,
or follow us on Instagram at Frank Debank Kodo. Now,
sit back, relax, and get ready for some serious mortgage,
real estate and business talk with two of Tampa's top experts.
Here's Frank the Bank and Senia.
Speaker 2 (20:55):
Well.
Speaker 4 (20:55):
By the way, guys, Sennia has a very deep voice
today because her name is Ryan Owens, mortgage.
Speaker 3 (21:01):
Professional with Lincoln Lending Group. One decade in this industry.
Speaker 4 (21:05):
And we're about to find out who this guy is.
Speaker 3 (21:07):
Ryan.
Speaker 4 (21:08):
What I was telling you, by the way, is your
You can see where you are centered in the iHeart
camera over here whereby yeah.
Speaker 3 (21:14):
Talk where am I I can't even see myself? But
you know what there. Now you're on, James, We're good. Okay,
we're on. Yeah, see how you are?
Speaker 4 (21:22):
Yeah, you can center yourself, you can do whatever you want.
Ryan is a video expert. That's why I'm showing him
these things because Ryan Owens knows more about video and
social media than most people. He has forgotten more than
most people know. He knows about algorithms, he knows about hooks.
He knows when to post, how to post, what to post.
He knows about the quality of the video. He looks
at my stuff sometimes like you're not in four k
(21:43):
bro seven, that might be one hundred and twenty eight
kilobytes for all right, all right, all right, So Ryan bites,
we're halfway through the show. We got to get into this.
I want the listeners to know a little bit about
Ryan Owens. Who are you, where'd you come from? And
then what got you into mortgages? And then we're going
to talk about the why on this segment.
Speaker 3 (22:05):
Well, I got a long drawn out story and that's
going to be in my upcoming book, so make sure
you get that. But the short synopsis is, I'm a
Midwestern guy. We were up up north in Ohio, born
and raised and was having a lot of fun up there,
but decided to come on down to the Sunshine State.
I was tired of shoveling snow, wanted to shovel some sunshine,
so it came down here. And I'll tell you exactly
(22:26):
why I got into the mortgage business. Let's just forge ahead.
I traffic was terrible here in Tampa, and that's why
I'm in the mortgage business. Are you serious? Yes. I
was going to start a new Internet department at a
Ford dealership up on nineteen and clear Water, twenty five
miles away from my home. I was like, I'm from Ohio,
twenty five miles takes twenty five minutes, no problem, I'll
be back and forth within an hour. Come to find out,
(22:48):
here in Florida, twenty five minutes can take an hour
and a half. So I realized that there was gonna
be three hours of driving a day to go up
up to a a Ford dealership around a bunch of
smoker taking smoke breaks. And I was like, no, this
isn't gonna work. And I instantly got a call on
the phone from a friend from high school who was
in the mortgage business. By the way, my mother is
a twenty five. She'd already been in the mortgage business
(23:10):
for years, so I'm familiar with the mortgage business. But
he calls me and he says, hey, Ryan, you're a
great salesperson. I know that you know. Anything you do,
you're gonna be successful at I've got a guy you
need to talk to. This was right after I realized
that three hour drive. He said, I'm gonna have you
talk to another guy named Ryan in town which worked
for my Mutual, which was Michigan Mutual's new retail branch.
(23:31):
And so I went and interviewed with a guy named Ryan,
and instantly they came off of the REFI boom. So
there used to being in call centers making calls and whatnot.
So they're looking for a guy who can kick down
some doors, go into some brokerages, get back some pass
some gatekeepers, and make some new business. So I instantly
took my license got into the mortgage business. And it
was it was honestly, because traffic was terrible.
Speaker 4 (23:53):
Hearing so I was not expecting that story. And now
you know, I did not rehearse this with him. So
this guy got into mortgages because of.
Speaker 3 (24:00):
Traffic, Yes, traffic in Tampa will make you do a
lot of crazy things.
Speaker 4 (24:04):
So you went around, You've worked in a lot of
areas of real estate.
Speaker 3 (24:07):
I know, absolutely right. Yeah, I find myself self proclaimed
to be one of the most well rounded people in
real estate here because I started off in retail for
about four and a half years, and then I build
up a title company on the marketing side, brought them
a lot of new business that they still work with today,
and then I worked there for three years, and then
I got this itch to really take on more of
(24:28):
a marketing and video forward you know business, and help
real estate agents and mortgage loan officers really expand their
video marketing. But I ended up working for a Remax
team for a year before I started my own business,
Rhino Creative Media. So really everything from the gaining lead
to the marketing of real estate, to being on the
title side of things and understanding that world, to the
(24:49):
retail site and now the broker side of mortgages. That's
a well rounded real estate partner right there. So that's
been the journey.
Speaker 4 (24:56):
So I'll be honest, your real estate experience, although shorter
than mine, is more well rounded. I mean I never
worked for a retail side. So I think I think
that's a very important thing. When we asked, when I
ask you the why, Lincoln, and why why do you
not just tell your consumer to choose a wholesale broker?
(25:17):
But why did you choose to work? Why did you
choose to support your family through working with a wholesale broker?
Speaker 3 (25:23):
Right?
Speaker 4 (25:23):
And I don't have a question perspective, so let me
just ask you the question.
Speaker 3 (25:26):
Ask me why?
Speaker 2 (25:27):
Why?
Speaker 1 (25:27):
Why?
Speaker 4 (25:28):
Why would you not go back to retail? What's the difference.
Why do you think this is better for you and
your family and your consumers.
Speaker 3 (25:34):
I'm very customer, service oriented. Making a lot of money
is fantastic, right, you know, you do well at your job,
your career, you can make money. But I really want
to help people. And the problem with retail that I
found was that I have to fit people into a mold.
I have to make sure they fit into box, a
box that I have, and I only have one box.
(25:55):
So if they're not able to fit in that box,
I can't cram them in there. You know, it hurts people.
So retail is wonderful, but I have no ability to
really customize the experience for a consumer that's buying a home.
In the broker world, I have so many more options.
I have hundreds of different boxes, different colors, different sizes,
(26:16):
different shapes that I can fit people into with products
that are going to be best for the consumer. I
had to sell my products in a way that made
them fit the best of my ability into a certain
line of products. It might not have been the betel,
might not have been the best, but it's what I
had to work with limited options. Now on the broker
(26:37):
side of thing, I've got an expansive amount of options
that I can tailor fit for the best need of
the consumer instead of my best need as a loan originator.
Speaker 4 (26:46):
But let me get this straight. You still get paid,
you still make a commission.
Speaker 3 (26:50):
Well, of course, I'm not doing this for free. I'll
tell you that right now. There's a lot of work
behind the scenes, folks.
Speaker 4 (26:55):
There is. But what I'm hearing is the difference in
retail and wholesale from a guy who has worked in both,
and you're really putting this in the eyes of the consumer,
is that you're able to give more options. Exactly, you're
still doing the same job, but you have more options.
Speaker 3 (27:10):
So you use the word tailor.
Speaker 2 (27:12):
What is that?
Speaker 3 (27:12):
What does that mean That means that I'm custom fitting you.
That means I'm bringing you into the office. I'm taking
out the measurement sticks. I'm seeing exactly how long your
arm is, how long your leg is, I'm seeing the
circumference of your waist, and I'm making you look good
because what you're wearing with me is tailor fitted to
your specific financial strategies that we actually develop for you
because of the amount of products that we have because
(27:35):
everyone's different, every single buyer, every single homeowner, every single
seller has got a unique situation, a unique job, unique income,
and if we don't have the ability as a broker,
we're really limited. And don't get me started on the
bank and depositories because and folks nothing against them, but
they're nine to five workers. They get paid a certain wage.
They don't have the incentive to really go outside of
(27:55):
the box at all or go above and beyond for you,
because when I clock out at five, I'm still getting
the same paycheck, whether this loan goes through or not.
I have an incentive and a fire under me as
a broker to make sure you're well taken care of,
because I only do I want you to get to
the closing table. I'd like you to refer over your
friends and family too, because of the experience that you
had with us. So you just I mean you said
(28:17):
everything and one one. You just nailed it right there.
Sound bites, you know, sound bite right? It is right.
Speaker 4 (28:24):
So from a consumer standpoint, if I work with a
wholesale originator, I'm going to have more options than if
I just go to my bank. So I mean, can
a wholesale company like Lincoln Lending Group do all the
same loans as my bank can?
Speaker 3 (28:39):
Not only can we do that, but we could ticket
typically do even more and even faster. So that's the speed.
But let me talk about like you said, wholesale. You
said wholesale like two or three times. Yeah, I want
to make it clear. Wholesale is a big difference too,
because we are not having to like the banks are
get up. So you have this rate that comes through.
Everyone talks about rate, but they're on the retail side.
Speaker 2 (29:00):
I have.
Speaker 3 (29:01):
I don't have the ability to give you a better
rate that I do as a broker because I'm not
having a bunch of middlemen in between the origination of
the rate and where I'm selling it to the consumer.
So the wholesale side, you're saving money right off the bat,
the moment you give me a call.
Speaker 4 (29:17):
So the reason that the rates are cheaper is that
they're not marked up a bunch of times by a
bunch of middlemen.
Speaker 3 (29:24):
Over and over again. Just like your analogy of the
shirt that was made in is Stanbul. You know, it's
made for a certain price, maybe ninety eight cents, it's
getting all the way to Nordstrums, and now it's seventy
nine to ninety nine on sale in the clearance rack,
maybe even but still that shirt started off as ninety
seven cents or something like that. That's the same thing
(29:45):
that's happening within the banks and the retail lenders is
that there's so many people sticking their hands into the rate.
By the time the consumer gets it, it's inflated. It
doesn't have to be that high, and with a wholesale broker,
you don't have to worry about that.
Speaker 4 (29:57):
Now, let me ask you this, Okay, So we just
talked about the consumer experience, so clearly it's all about exactly. Now,
let's be a little greedy for you as an originator.
You know, you could work anywhere with your experience.
Speaker 3 (30:10):
You made a choice.
Speaker 4 (30:11):
You made a choice to come to Lincoln Lending Group,
which is the wholesale side of the business, the broker side.
Was there a reason that you chose Lincoln over any
other company?
Speaker 3 (30:20):
There's the broker side. I know that I wanted to
go broker. I had the chance to go back to retail,
but I did not. The main thing I want to
say is energy, and options and reputation. So those are
three things that were really important to me because in
this business it can wear down some people that are
working hard. In this business. You have maintained your energy, sir,
(30:43):
and I wanted to be around a leader who was
very energetic but also had been in the business a
long time, and he created the type of environment where see,
as a broker, we got to have great relationships with
others out there, right and you've established those relationships, so
the ability to come in high energy, great organize that
has these amazing options and all of the resources for
(31:04):
me to be able to tap into as a returning
originator who maybe wants to stick more on the marketing
side get more business, but has the resources for my
loan officer assistants and amazing processors and amazing systems in place.
You've established that so to be able to tap back
into that, It's almost like I had continued to be
in this business the whole ten years because all the
(31:25):
resources are right there and available to me. So that
was really important for me. It's like you didn't miss
a beat. No, it's like I didn't miss a beat
at all. It's like I had been here. Everything was
waiting and available for me to take advantage of when
I got back to Lincoln Linding Group. So we got
to take a break.
Speaker 4 (31:39):
When we get backrom the break before we go into
your experience and what the consumer can expect from Ryan Owens. Okay,
we are going to ask that question. I'm going to
ask you a question that goes out to all the originators,
all the professionals out there when we get back, and
I'm going to ask you a very simple question, which
is why should a retail originator not be scared to
(32:03):
take the jump into wholesale origination. That's the question for
all you retail originator. Stay tuned on the Business Happy Hour.
Speaker 3 (32:10):
We'll be right back.
Speaker 1 (32:11):
Let's get back to the Business Happy Hour radio show
with your host, Frank the Benkoto, owner of Lincoln Lending
Group and his co host Senia Akishna.
Speaker 2 (32:20):
Realtor with Mahara and associates.
Speaker 4 (32:22):
All right, guys, welcome back to the Business Happy Hour.
We have that question that we're gonna ask in just
a second. But before we do, I know you guys
are sitting there saying, this guy, Ryan Owens, this Rhino
Mortgage guy has energy, he's gotten go, he's making all
the right decisions. I gotta know how to get in
touch with this guy. So Ryan, why don't we tell
him now and we'll tell him again later. How do
they get in touch with you?
Speaker 3 (32:43):
Well, you can get in touch with me from anything
from smoke signals all the way to direct messages on
Rhino Mortgage. That's Ryn Mortgage at and you can reach
me on my cell phone strictly for business. If you're calling,
I am going to be at your attention. Eight one
to three six one zero zero six four seven.
Speaker 4 (33:02):
That's an easy one zero six four seven. That's six
to one zero zero six four to seven. There we go,
Rhino Mortgage. You guys go to at Rhino Mortgage r
yn O and don't forget if you want to touch
base with Ryan, all you have to do is reach
out to me. I put the stuff out there all
the time. The Instagram has my cell phone numbers. Be like,
I want to talk to Ryan. I want to talk
to the guy that was on that shit. I want
to talk to you. That's right, he does want to
(33:23):
talk to you, and we're gonna get you in front
of him. Hey, hello to all the people are joining
us on the show right now. Wave giving you guys
a wave. Thanks for watching. Don't forget to share this
out with all your friends.
Speaker 3 (33:33):
Rosa.
Speaker 4 (33:33):
Goodness, see see your face again. I love it, Roses,
our past co host on ROSA. Shout out to Rosa. So, Ryan,
let me ask you that question. The question was, there's
a lot of people in the in the industry. Maybe
they're working at a bank or one of those bad
credit unions or something like that. Oh right, and they
don't have all the options and everything, but they're but
(33:54):
they're nervous. They're nervous about making a jump from sitting
in the bank and being spoon fed to going out
and building their own career. Why should they not be
nervous to jump from a bank into a wholesale company
like Lincoln Lending Group.
Speaker 3 (34:06):
Well, first, what do you want out of your career?
That's the first thing I'm going to ask you is
do you want to be able to expand your offerings
to the public and be able to market more things
than you've ever had access to and be able to
do them well at a high level while also getting
paid better and the ability to tap into pre existing
systems like Frank's. You know, Frank goes out and does
a lot of you know, brings a lot of agents
(34:27):
in and allows you to tap into that. And he's
not there. You're not competing against an owner. You're actually
a partner with that owner who's got a great reputation,
does a lot of in person classes and get you
the opportunities to be able to expand your business that
only you have to take advantage of. And if you
want to take advantage of that, you want more offerings,
(34:48):
you want to make more money, you have more aspirations
for your career. Then it's really as easy as you
giving any of us a call and allowing us to
get you in front of Frank for him to tell
you how your career can expand by getting into the
broker side of things and joining Lincoln Lending Group more specifically.
Speaker 4 (35:07):
Well that that was perfect, so so basically, long story short,
they don't need to be scared to go from retail
to wholesale.
Speaker 3 (35:13):
You feel there's no fear but fear itself. Uh, sir,
that's exactly right.
Speaker 4 (35:17):
What also I heard from you, just kind of subliminally
is is I heard that if you are the type
of person who wants a career, yeah, you want to
be in this industry.
Speaker 3 (35:26):
This isn't just a job where you're going to plant
or bought to make your hourly.
Speaker 4 (35:30):
Right, if you want a career, it seems to me Ryan, like,
you know, even if it's not Lincoln Lending Group, you
should be on the wholesale side of this industry, not
sitting on the retail banker side.
Speaker 3 (35:39):
Would that be right? Yeah, that's exactly right, right, that's
exactly like, Yeah, that's what I'm saying. Yes, that's exactly
what If you want to if you want a career
and not just a job just overbroke, you need to
take some advantageous moves in your life and and join
the broker side of things. Brokers are better.
Speaker 4 (35:57):
Hashtag that is hashtag brokers are better in Some of
our favorite partners say that like United Wholesale, Morgan.
Speaker 3 (36:02):
And by the way, look at the Scotsman guy. There's
some amazing retail lenders out there. Nothing against lenders, but
I'm on this side of things and I'm marketing it
because I believe in it.
Speaker 4 (36:11):
So you know, so actually, let me segue into that, Ryan,
What are some of the products that you believe are
very important for people right now?
Speaker 3 (36:19):
What are some of the things that you think people
need to know about. I think they need to know
about a variety of things, whether you're investor, a first
time home buyer or experienced buyer. And that is for investors,
whether first time or not. There is a d SCR loan,
no income, no job. You can become an investor right now.
And that is an amazing loan product out there, and
Florida is just a hot ground for new old experienced investors.
(36:43):
The DSCR loan is phenomenal. No income, no income, no job.
It sounds like you shouldn't be able to get a loan,
but you absolutely can because it's based upon the servicing
of the debt having a renter into the property. So
you can become an investor today by giving us a call.
So that's amazing. The other thing is too a lot
of people are because they're reluctant to get out into
(37:05):
the housing market. They might be sitting on some equity,
and no matter what we say, no matter what our
products are, they're going to be sticking with their two
point five percent interest rate right now when they're sitting
on a ton of equity. Us as brokers, we have
the ability to offer up home equity lines of credit,
which gives you an option away from complete refinances. You
can still hold on to your first mortgage rate and
(37:25):
be able to tap into that equity, pay down debt,
be able to make more investments, not go to the casino.
But no judgment, I'm just saying. But also the first
time home buyer, the Hometime Heroes is coming out. We've
got one percent down conventional loans that are available to us,
and we've got I believe, almost zero percent down on
most products.
Speaker 4 (37:46):
I would venture to say that Ryan can find you
a no money down product for a ninety percent of
the scenarios that you go on, whether it's USDA VA FAHA,
with grants, Hometown Heroes, conventional one percent down.
Speaker 3 (38:00):
You've got it, Ryan. But wait, there's more whole no
way now working with some of the great agents they
here in the Tampa Bay area, there's a lot of
sellers who are offering up seller concessions, meaning they are
helping you pay down the closing costs because it's not
just down payment with the loan. There are closing costs.
There are fees that the sellers are more than willing
mostly right, and I think the majority of home buyers
(38:23):
are taking advantage of seller concessions out there. So not
only do we have zero down programs, but you can
even have most, if not all, of your closing costs
completely covered and it makes moving a no brainer.
Speaker 4 (38:33):
So the last time I talked to you about this,
you told me that with one of your clients, you
actually got them into the house they closed. They all
they did was pay for their appraisal and their home inspection,
and when it got to closing, you got them back
their earnest money deposit of four thousand dollars, So they
basically got into that place for like a thousand dollars.
Speaker 3 (38:51):
That's amazing. Yes, that's almost getting paid to move. Why,
that's pretty phenomenal. Yeah. Yeah, there's there's just so many
different ways for folks that take advantage of the housing market,
which right now is great because there's a lot of inventory,
there's not a lot of competition. And woe to the
person who thinks that when rates come down that they're
gonna be able to go out there and not have
to compete on rising housing prices and a plethora of
(39:14):
people that's going for that house right now, you can
get it.
Speaker 4 (39:17):
I promise you what Ryan said earlier about that flood,
the people standing on the fence, it's a real thing.
Speaker 3 (39:22):
You don't want to be gonna flood competing. It's gonna happen.
It's gonna happen, and you're going wet. That's right, that's right.
When raids drop, I will make you a promise.
Speaker 4 (39:31):
Prices will go up, yes, and you will be sorry
you didn't buy today, because you can marry the house
and date the rate and you can refine. Ryan, we've
got thirty seconds, take us out. Let's give a message
to the guys in the last thirty seconds. What do
you want them to hear?
Speaker 3 (39:43):
I'm glad you're out there driving safe from Tampa Bay.
And if you're looking to even think about buying, selling, investing,
you need to get a hold of Lincoln Lending Group,
Rhino Mortgage specifically charged up by Lincoln Lending Group. We
want to help you succeed in this housing market, and
you might be believing some myths out there. We want
to bust those myths and get you into that door.
That's right. How are they going to reach you, Ryan,
They're going to reach me on Rhino Mortgage and eight
one three six one zero zero six four seven. Make
(40:06):
a song out of it. You'll remember it. That's it, guys, Ryan,
thank you for coming on the show. It has been
a great one. It's been great. Let's do it again.
Speaker 4 (40:12):
Let's do it again. We'll see you guys next week
on the Business Happy Hour.
Welcome to the Business Happy Hour radio show with your host,
Frank the Bank Coodo, the owner of Lincoln Lending Group
right here in Tampa Bay for twenty three years, joined
by his incredible co host, Senya Akishna, realtor with Mahara
and Associates.
Speaker 2 (00:15):
Tampa's top real estate company.
Speaker 1 (00:17):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (00:23):
If you're looking for local mortgage or real estate advice.
Speaker 1 (00:25):
The Business Happy Hour team has been right here on
news radio WFLA for over a decade. Listen right here,
or find us on the Business Happy Hour YouTube channel,
or follow us on Instagram at Frank Thebankkodo. Now, sit back, relax,
and get ready for some serious mortgage, real estate and
business talk with two of Tampa's top experts.
Speaker 3 (00:44):
Here's Frank the Bank and Senia.
Speaker 4 (00:47):
Hey, Tampa Bay, Welcome back to the Business Happy Hour,
your number one show for all things all Well, thanks,
business and entrepreneur. I cannot even talk today because Frank
the Bank has been on vacation for about a week,
and man, you know, sometimes those vacations are just really
really needed, and sometimes you need a vacation from your vacation.
(01:08):
But today is not one of them. Today is one
of those days where I came back rested. I feel good,
I feel I feel like.
Speaker 3 (01:15):
Going to work. But guess what, it's Friday. It's not
even really a wark day. It's Friday, That's right, And
what better day to have.
Speaker 4 (01:25):
An amazing co host in studio with me? Then Ryan
Owens from Rhino Mortgage. How you doing, Ryan, Rhino is
charged up today. You look charged, you look good. You
look like you just came back from a vacation.
Speaker 3 (01:38):
I told Ryan, this guy, I want to tell he's
all dressed up.
Speaker 4 (01:42):
He's looking the way Frank the bank normally looks like
a bank, right right, But Frank the Bank came back
from vacation.
Speaker 3 (01:47):
He got a little workout in credit today. You look
at Credit Union?
Speaker 4 (01:51):
Wait, does that mean that I'm overpriced? And I and
I'm not as professional as a regular mortgage guy.
Speaker 3 (01:55):
I set him up. He knocks them down. So he
sure did knock that one down. But I want to
thank Ryan. This is Ryan Owens.
Speaker 4 (02:02):
By the way, Ryan just got back into the mortgage
business and decided to join the Lincoln Lending team. And
I am super excited because guys, I'm gonna make you
a promise here on today's show.
Speaker 3 (02:11):
I don't make a lot of promises, but I'm gonna
make you a promise.
Speaker 4 (02:14):
Today's show is gonna have extra excitement because you have
like double the Frank the Bank in here. If there's
anybody who shares my energy, if there's anybody who I
can just say, Ryan, go do the radio show. Ryan Go,
get up in front of five hundred people that says, oh,
hell yeah, let's.
Speaker 3 (02:32):
Go, it's Ryan. Oh charge he is charged up.
Speaker 4 (02:35):
Man, He's got he's got his own camera on, he's
got microphones left and right on him. This guy, I
just love it. So Ryan, welcome to the Business Happy Hour.
I'm so glad to be here on the Business Happy Hour.
Speaker 3 (02:44):
I've been waiting for this. This is a dream come true.
You have I'm not even kidding. I love I love
this studio. So I'm glad to be here. Thanks for
having me. Frank the Bank, you are welcome. You are welcome.
So on the show today, Ryan and I we're gonna
have a little fun.
Speaker 4 (02:56):
We're gonna talk about my little We're gonna talk about
Father's Day because both Ryan and I are fajas. We
are fajas. So we're gonna find I'm gonna find out
what Ryan did. Were gonna talk about a little bit
what I did. What did you guys do on your
Father's Day? Is that That's what we're gonna talk about.
Was it a good one with your family? Then we're
gonna talk a little bit about the real estate market.
Speaker 3 (03:14):
Ryan and I.
Speaker 4 (03:15):
The best part about the show today is we did
not prepare.
Speaker 3 (03:19):
No anything off the cuff today. Off the cuff.
Speaker 4 (03:22):
But this guy has been in the real estate industry
for like what fifteen years something like that. Am I
outdating you?
Speaker 3 (03:28):
That's okay, I'll take it. I've been I've been ten
ten decade.
Speaker 4 (03:32):
Okay, decade, decade, were go a decade. He's been in
it long enough that I know I can talk about
anything with him.
Speaker 3 (03:37):
He's in tuned.
Speaker 4 (03:38):
The main thing, one of the biggest things that sets
Ryan apart in the mortgage industry, in the real estate
space is his I wouldn't say nack or love, but
his experience with video, social media, the magic.
Speaker 3 (03:51):
Of the camera and what it can do for you.
I mean, just look at him.
Speaker 4 (03:54):
Look at his face right And by the way, if
you're listening to the radio radio.
Speaker 3 (03:57):
Look at that listening to.
Speaker 4 (04:00):
Us right now on nine to seventy on a WFLA.
I do encourage you to watch us on Instagram. Go
to Frank the Bank Codo on Instagram or just go
to Frank Coodo. I put it on the Facebook as
well as Frank Cooda the Third on Facebook.
Speaker 3 (04:13):
And just follow us and then you'll see when we
go live.
Speaker 4 (04:16):
Normally we're live every Tuesday from about eleven fifteen to twelve.
Today we're doing a little makeup show because it was
it's summer, a little vacation this summertime, you know, in
summertime in the LBC, it is in the TPA. So anyway,
let's later on we'll talk about the market. Then we're
I'm going to find out how Ryan, where Ryan came from,
how's he tick, How'd he get back into mortgages, And
(04:38):
we're going to answer some questions about Lincoln Lending Group.
Why Lincoln Lending Group. Ryan knows so many people in
this town.
Speaker 3 (04:44):
He has been around. How long you've been in Tampa.
I just hit the immediately got into real estate when
I got here, but ten years.
Speaker 4 (04:51):
Ten years, ten years, so ten years Ryan's been around.
Ryan has worked with hundreds of real estate companies, mortgage companies,
title companies, all kinds of stuff. And he chose Lincoln
Lending Group not only as a consumer, but somewhere to
plan to put his roots and to grow his career
in mortgages. So we're gonna find out why. I'm gonna
ask Ryan the hard question. H And again, we didn't
(05:12):
prepare for this. We didn't set this up. If Ryan
says something I don't like, not much I can do
about it because we're live on the radio.
Speaker 3 (05:17):
What's red button for? Is that?
Speaker 4 (05:19):
That's that's actually the dump button? I don't I don't know.
James has never taught me how it really worked because
I never say anything bad?
Speaker 3 (05:25):
Oh oh oh wow? Did you soph you hear anything
you don't like? Go in and hit the dump button?
I guess that cuts us off the radio, totally cuts
us completely off the radio.
Speaker 4 (05:35):
We don't want to hit that button. So he's like, listen,
that'll shut down the whole station, So don't hit But
what it's like a kid, right when you see a
red button, seeing it's over front of you, that.
Speaker 3 (05:43):
Looks like the most pushable button. I've ever seen, Like James,
that's not a good spot to have people like us
at the studio.
Speaker 4 (05:49):
You don't, yeah right, you don't just put a red
button on a dash in front of me. Don't tell,
by the way, totally this we love squirreling on the
radio show. As a kid, I have this memory. Okay,
I went and visited my great grandmother in a little
town in North Carolina, and she was staying in a
nursing home. And when I went to the bathroom, and
I was probably like six years old. Do you ever
(06:09):
remember and they probably still have these nursing homes where
there's like a cord coming out of the wall or
hanging from the ceiling and it goes all the way
to the ground.
Speaker 3 (06:17):
It's an emergency cord, like if you fall in your
in the bathroom and like the toilet. Oh, not that one.
I was a kid.
Speaker 4 (06:25):
I remember pulling it and then like they all ran
in and rushed in like what's wrong, Rosa.
Speaker 3 (06:29):
I'm like, oh, I don't know, and they're like, you
don't pull.
Speaker 4 (06:32):
A cordum And as a kid, I'm sitting here thinking
a six year old, well, why would you put a
cord right there?
Speaker 3 (06:37):
And those are meant to be pulled right right, Yeah,
I get it. Even at forty, I'm pulling the cord,
falling the cord.
Speaker 4 (06:44):
That's why the shout signs to say don't pull right.
Although I think that button does say push, doesn't it?
Speaker 3 (06:49):
It says dump, which is, you know, ambiguous. I don't
know what that means.
Speaker 4 (06:53):
Let's well, Ryan, I'm willing to bet if you ask
him a hundred people what dump means, you're gonna get
a hundred different answer.
Speaker 5 (06:58):
Shout out to my brother, original dump, the original dump.
There you go, that's the story, all right. So Ran,
let's let's talk. Let let's start a little bit here.
Let's talk Father's Day. So there's five.
Speaker 3 (07:09):
Yeah, what'd you do? The twentieth most celebrated holiday in America?
Speaker 2 (07:14):
Is it?
Speaker 3 (07:15):
Arbor Day? Is number sixteen? We're behind Arbor Day. But
that's okay, Fathers, you are important. Trees are more important
than us. You know, I totally forgot what Arbor Day was.
It is about trees. Isn't it about tree? You know what?
We're planting our roots as fathers, and uh, well, we
already sold our seed. We did so our seed it's
growing and my kids are growing real fast? How are
(07:35):
you kids? My daughter just turned actually the sixteenth, so
day after Father's Day, she turned five years old. She's
a pandemic baby. Oh June of twenty twenty. Wait she is,
She's right? Yeah, Like nobody's in the hospital, but the
parents like complete post apocalyptic desolation at the hospital. It's
(07:59):
just a crazy hold on me. Ask you.
Speaker 4 (08:00):
As soon as she came out, did they put a
little baby mask on her?
Speaker 3 (08:04):
No? Lord, I would have burned the place down. But
what they did do, though, is we actually, I'll tell
you a quick story. We didn't know what the sex
of the child was going to be. We waited, we
had them wait until the moment of birth to know
whether it was a boy or girl, which was a
fascinating experience. So anyone out there, you ain't living until
(08:24):
you don't know what your child's gonna be until the moment.
Were you on the business at seventeen hundreds? It was amazing.
It was like the seventeen and they probably like put
a mirror up there or something. I don't know, but
I know we should look that up. We should look
that up.
Speaker 4 (08:37):
So what happened were you on the business end when
when it went down.
Speaker 3 (08:40):
Yeah, and you know, I'm a video guy. Oh no,
you did not. I was trying to video it, you know,
not you know the right angle. I was trying to
get the right angle with it. But is there a
right angle with my camera? For the first time ever
had shut off, almost like it was divine providence, like
God was saying, this is just for you, not no
recording it ain't it just for you to experience right now.
(09:01):
So that was that's what went down.
Speaker 4 (09:03):
And and and so you saw before your wife even saw, right.
Speaker 3 (09:08):
Yeah, I gotta, I had I had a I was
right there and was your face like, it's all it's oh,
it's not there. No, it's missing.
Speaker 4 (09:21):
Hold on, doctor's something missing here exactly right now?
Speaker 3 (09:25):
Wait your son?
Speaker 2 (09:26):
Wait?
Speaker 3 (09:27):
Okay, your your son's older. My son is nine years old. No, okay, okay, guys,
he's nine. He's so you did it perfect, Ryan, I
think so. I think so too, completely agree, Thank you.
It was the way to go. I recommend having a
baby during a pandemic and two children, boy and girl. Perfect.
I mean, I don't know what else you could have done.
Speaker 4 (09:45):
That is pretty funny because the world gets shut down
and like three months later, Ryan's having a baby.
Speaker 3 (09:49):
Yes, you know, existential threat and a new baby.
Speaker 4 (09:54):
I love it.
Speaker 3 (09:54):
Yeah, I love it.
Speaker 4 (09:55):
So speaking of existential threats, so little things going on
over in Israel, right, I don't know.
Speaker 3 (10:01):
We won't go into all that. I got a lot
to say, don't get me started on that. Hey, folks,
if you're driving, listen to the radio. Ten and two
seat belts on. Right. I love it. So Father's Day?
What did you guys do for Father's Day? You know
what they treated me like? It was like they treated
me like Father's Day wasn't after Arbor Day. They really
put me in the number one spot for Father's Day.
(10:21):
It was quite amazing. I got some amazing gifts. I
even got for some reason. Now, I'm I just turned forty.
I didn't know it was pickleball time, but I got
pickleball outfit given to me as part of my Father's Day.
These shorts look absolutely ridiculous. They are long, They literally
(10:41):
look like Capri's and I had to tell my wife
I love it, but please take these back for wait,
is this thing? I don't know. Do any of you
out there have pickleball shorts? Yeah? I didn't know it
was a thing. But I guess I'm gonna look this
up right now. I've got to see it. Pickleball shorts.
Maybe it was just where where she had purchased those,
but I mean it literally went down halfway down your ankle.
(11:01):
But I was still very thankful. They took really good
care of me on Father's Day, and I really enjoyed it.
Speaker 4 (11:06):
I mean, I'm trying to look it up right now
to see if like pickleball outfits.
Speaker 3 (11:11):
Men. Now, you know, men, we really got it. They
want us to show those legs. These I know, right,
That's why I'm surprised. In the seventies, the seventies, you
know you had the thigh cutter, you know, really short shorts.
Those are back. These are like a rebellion against those. Well,
oh yes, it's on that note. We're going to take
a break. So men, By the way, I just googled
pickleball shorts.
Speaker 4 (11:32):
I do see some bored, shortish style ones here. Not
seeing the capris, I'm thinking Ryan's family was playing a
joke on him. Guys, I think they're like, Dad, if
you wear those. We were taking pictures of seven because
I'll tell you my son thirteen seconds left my son's
every time I wear shorts are even close to my knees,
He's like, oh God, you're so old, so I have
to Now they're into like five ankle socks.
Speaker 3 (11:54):
That's right, five inch, seven inch, four inch. What are
you into?
Speaker 4 (11:56):
We're on the Business Happy Our Stay tune with Ryan
Owens talking about the real estate market and the y Lincoln.
Speaker 3 (12:01):
When we get back, stay tuned.
Speaker 1 (12:03):
All the best mortgage or real estate advice from Tampa
Bay's top experts. It's the Business Happy Hour with Frank,
Debankkoto and Seniasha.
Speaker 4 (12:15):
Welcome back to the Business Happy Hour, the number one
show for all things business and entrepreneurial.
Speaker 3 (12:22):
We're having a good time.
Speaker 4 (12:23):
I'm doing my show description right now over here, trying
to get ahead of the game for mister producer today
because I'm pushing him late.
Speaker 3 (12:29):
So you guys have to listen to me say this
the description of today's show.
Speaker 4 (12:31):
By the way, we are a podcast, okay, we are
not just the radio show on WFLA uh and you
can listen to us on twelve fifty DEBH and Z
and there's an FM channel we're on as well. I
can never remember James, what's the name of that one
one O two point five, No, one O five, one
oh five FM. Find us over there on five. James like, yeah,
(12:52):
it's one of five. Just tell people to go to
one O five. So you go to any of those
channels listen to us on the radio. You can also
watch our Instagram love I've every Tuesday ish from eleven
fifteen until twelve normally, and we are also on Facebook
and Frank the Bank.
Speaker 3 (13:09):
What is it?
Speaker 4 (13:09):
Frank the Bank codo on Instagram, Frank Coto on Facebook,
Business Happy Hour. We're also on YouTube. We put the
Business Happy Hour shows there and we always are on iHeartRadio,
Spotify and all those other podcast channels. So we like
telling you go to iHeartRadio right now. The description of
the show is going for this one is why Lincoln
Lending Group with mortgage professional Ryan Owens, And the description
(13:31):
is why would you choose Lincoln Lending Group over the
other hundreds of mortgage companies that you could choose in town.
Ryan Owens, a longtime industry professional, joined the team and
tells us the why he made this decision.
Speaker 3 (13:47):
I love your multitasking skill like that guy, I am
I just multitasked on today. It can't be done. I
just watched it. It's real.
Speaker 4 (13:54):
Have you ever heard Okay, I'm gonna squirrel just a
little bit. Then I'm gonna go back to Father's Day.
Then I'm going to talk to the market with Ryan.
Have you ever heard of the seventy five percent rule? No,
I kind of made it up. I kind of made
it up up. I've heard something probably why, Probably why
I made it up amongst us some other rules that
I've heard, And basically it has to do with with
learning to delegate and learning to let go. And that
(14:15):
was one of the hardest things for me as a
business owner being a business self employee twenty five years.
It took fifteen years to decide, oh God, I need
to start letting go, and that probably took three years
to actually let go. And then every day it's a struggle.
I mean every day you constantly have to do it.
But I created this called the seventy five percent rule.
And what I said to myself was, if you're a guy,
(14:36):
and I know Ryan's like me, who every you want
things to be perfect and you want it to be
done your way, and you're like, listen, it's got to
be done this way, because I know this is.
Speaker 3 (14:43):
The right way to do it. Amen.
Speaker 4 (14:45):
But Ryan and I can only do so much by ourselves,
so we have to let go. So I had to
make a decision that things can be seventy five percent.
Speaker 3 (14:53):
As good as what I would do is just phenomenon
which rise.
Speaker 4 (14:58):
Is amazing, right because I listen, I know you're perfectionist,
and if something is seventy five percent is good is
what you could do, then I know it's probably one
hundred percent of what somebody who's not like you're gonna
got jape. But my wife holds it against me because
because I always I only can put seventy five percent
of my energy into one thing at one time, so
I can always have that twenty five percent to throw
into something else, just like the little multitasking I was doing.
Speaker 3 (15:18):
So she'll be like, you're only giving it seventy five percent.
You know you're losing bubble and go.
Speaker 4 (15:22):
And guess what I just accomplished and you didn't, yea,
And that never goes well. By the way, don't say
that to your wife.
Speaker 3 (15:28):
Don't do it.
Speaker 4 (15:29):
Relationship advice here on the business half yard. So back
to Father's Day. Ryan had a wonderful day, who was
treated like a king. That's great.
Speaker 3 (15:37):
I was, I really was. I love it.
Speaker 4 (15:39):
I love it.
Speaker 3 (15:39):
Which is my name, by the way, little king iris Gaelic,
It's my name is Ryan. You're Ryan out there, You're
a little king. I've read that I actually got treated
like one for a few hours of the year, which
I'll take five hours. I'll take whatever you can. I'll
take seventy five percent of any any kind of love
from the family. So I was. I took it well,
I guess.
Speaker 4 (15:58):
I took the family on a vacation for filey.
Speaker 3 (16:00):
I did, which looked amazing.
Speaker 4 (16:02):
It was awesome. I put out one post. I put
out my thousand. I put two posts total the whole trip.
I tried to not be on the phone and be
present right and I feel like the family recognize.
Speaker 3 (16:10):
That is beautiful. It was nice.
Speaker 4 (16:12):
I did put out a post from uh God, now
I'm losing my mind on this beautiful bay in Ezuma.
I can't remember the name off the top of my head.
But I put out a post on my one thousandth post, Ryan,
I love one thousand from a bay in Azuma, like
like Foothill Bay or something like that. In a zooma.
Speaker 3 (16:31):
It was beautiful.
Speaker 4 (16:32):
If you ever get a chance to go to a Zuma,
go it is the land of a million beaches, the
sandbars like nothing I've ever seen.
Speaker 3 (16:38):
Beautiful it was. And you were swimming with pigs, which yeah.
Speaker 4 (16:41):
I swim when swim with pigs, that's right. That was
a request of my daughter. So the very last day
I had to pay somebody to take us on a
boat to a freakin island. Anyway, by the way, pigs poop,
They poop in the water, they poop on the land,
they poop on your hand. They do whatever Sam I
am anyway, so that was fun. So a zooma for
Father's Day for me, traveled with the family. We had
(17:03):
a wonderful vacation time, treated like a king by all
on the island. It was wonderful, very local island, very nice.
Definitely recommend you guys check it out. Very different from
the Nassau's the free ports.
Speaker 3 (17:14):
Zooma zoom eg Zuma.
Speaker 4 (17:16):
Little little painting about to get there sometimes, but it
was good. So Ryan, we got a couple minutes left
in this segment. You know what I really want to
do is I want I want the listeners. I want
to learn about Ryan Owens. But I tell you what
we'll do in the last two minutes. We're just going
to talk a little bit about the market. When we
get back, We're to find out who Ryan Owens is
and why he decided to stay in this crazy industry,
(17:37):
and why he chose Lincoln Lending Group, and what does
he have in store wage to talk about that?
Speaker 3 (17:41):
Right?
Speaker 4 (17:42):
What does he having store for you? So, Ryan, the market,
we got a couple of minutes. You know, just in general,
how are you feeling about the mortgage in the real
estate market. Let's talk specific to our area, the Tampa
Bay central Florida area. How do you feel about it?
Speaker 3 (17:53):
I feel that we are on the precipice of a
floodgate opening in the likes of which you as a
twenty five year veteran myself, uh and people, I don't
care how long you've been in the business, We're about
to see floodgates open because buyers are a lot of
them are sitting on their hands right now. Yeah, you
can feel the damn the collection of the need to
(18:14):
upgrade that home, to abandon that three percent interest rate,
to upgrade, downgrade, whatever they need to do. There is
so much pent up demand that when we do see,
Because first of all, you're working with Lincoln Lending, We've
got all kinds of tricks to get you in a
home right now. But the vast majority of the market
is going to come out here soon, and I'm just
I'm anticipating something like in the likes of which the
(18:36):
mortgage business and real estate has never seen before.
Speaker 4 (18:38):
I used a big word to you, the precipitous, precipice, precipice.
So the precipice, Ryan, What is the key factor that
you think might just open up these floodgates.
Speaker 3 (18:50):
Well, it's all about consumer sentiment and only thing that
matters no matter what we say, how does a buyer feel?
The buyer feels that right now because they're not educated
by those at Lincoln Lending group that they feel using.
They're leaning on their own understanding of the market and
watching the legacy news. They're paying attention to Uncle Fred
who bought a home back in the eighties at eighteen
(19:11):
percent interest and all these other things. They don't know
that right now, first of all, can be an amazing
time to buy, but they just don't feel like it's
time to enter the market right now. They're feeling like
they should sit, They're feeling like they should wait right okay,
but they're about to soon enough not feel that way anymore.
And if you pay attention more to Frank the bent
Code at Lincoln Lending Group as a broker a wholesale
(19:33):
lender in Tampa Bay, you can realize that right now
could really flip your feeling about can I buy? Because
you absolutely can. And we're going to answer that question
generally just the whole market itself. We're about to see
it open up.
Speaker 4 (19:46):
And Ryan and I are going to talk about more
in the show why it's going to open up and
why it is the time to buy, because I promise
you there's people are on the fence and they are
ready to jump over. You don't want to be the
last guy over the fence. That's like your high school part.
You don't want to be the last guy with the
fans when the coppit. No, No, you don't want to
be the last guy this time. Stay tuned in the
Business Happy hour'll be back with more of Ryan Owens
(20:06):
and why Lincoln.
Speaker 1 (20:08):
Welcome to the Business Happy Hour radio show with your
host Frank de Bankkodo, the owner of Lincoln Lending Group
right here in Tampa Bay for twenty three years, joined
by his incredible co host, Sennia Akishna, realtor with Mahara
and Associates.
Speaker 2 (20:23):
Tampa's top real estate company.
Speaker 1 (20:25):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (20:30):
If you're looking for local mortgage or.
Speaker 1 (20:32):
Real estate advice, the Business Happy Hour team has been
right here on news radio WFLA for over a decade.
Speaker 2 (20:38):
Listen right here.
Speaker 1 (20:39):
Or fight us on the Business Happy Hour YouTube channel,
or follow us on Instagram at Frank Debank Kodo. Now,
sit back, relax, and get ready for some serious mortgage,
real estate and business talk with two of Tampa's top experts.
Here's Frank the Bank and Senia.
Speaker 2 (20:55):
Well.
Speaker 4 (20:55):
By the way, guys, Sennia has a very deep voice
today because her name is Ryan Owens, mortgage.
Speaker 3 (21:01):
Professional with Lincoln Lending Group. One decade in this industry.
Speaker 4 (21:05):
And we're about to find out who this guy is.
Speaker 3 (21:07):
Ryan.
Speaker 4 (21:08):
What I was telling you, by the way, is your
You can see where you are centered in the iHeart
camera over here whereby yeah.
Speaker 3 (21:14):
Talk where am I I can't even see myself? But
you know what there. Now you're on, James, We're good. Okay,
we're on. Yeah, see how you are?
Speaker 4 (21:22):
Yeah, you can center yourself, you can do whatever you want.
Ryan is a video expert. That's why I'm showing him
these things because Ryan Owens knows more about video and
social media than most people. He has forgotten more than
most people know. He knows about algorithms, he knows about hooks.
He knows when to post, how to post, what to post.
He knows about the quality of the video. He looks
at my stuff sometimes like you're not in four k
(21:43):
bro seven, that might be one hundred and twenty eight
kilobytes for all right, all right, all right, So Ryan bites,
we're halfway through the show. We got to get into this.
I want the listeners to know a little bit about
Ryan Owens. Who are you, where'd you come from? And
then what got you into mortgages? And then we're going
to talk about the why on this segment.
Speaker 3 (22:05):
Well, I got a long drawn out story and that's
going to be in my upcoming book, so make sure
you get that. But the short synopsis is, I'm a
Midwestern guy. We were up up north in Ohio, born
and raised and was having a lot of fun up there,
but decided to come on down to the Sunshine State.
I was tired of shoveling snow, wanted to shovel some sunshine,
so it came down here. And I'll tell you exactly
(22:26):
why I got into the mortgage business. Let's just forge ahead.
I traffic was terrible here in Tampa, and that's why
I'm in the mortgage business. Are you serious? Yes. I
was going to start a new Internet department at a
Ford dealership up on nineteen and clear Water, twenty five
miles away from my home. I was like, I'm from Ohio,
twenty five miles takes twenty five minutes, no problem, I'll
be back and forth within an hour. Come to find out,
(22:48):
here in Florida, twenty five minutes can take an hour
and a half. So I realized that there was gonna
be three hours of driving a day to go up
up to a a Ford dealership around a bunch of
smoker taking smoke breaks. And I was like, no, this
isn't gonna work. And I instantly got a call on
the phone from a friend from high school who was
in the mortgage business. By the way, my mother is
a twenty five. She'd already been in the mortgage business
(23:10):
for years, so I'm familiar with the mortgage business. But
he calls me and he says, hey, Ryan, you're a
great salesperson. I know that you know. Anything you do,
you're gonna be successful at I've got a guy you
need to talk to. This was right after I realized
that three hour drive. He said, I'm gonna have you
talk to another guy named Ryan in town which worked
for my Mutual, which was Michigan Mutual's new retail branch.
(23:31):
And so I went and interviewed with a guy named Ryan,
and instantly they came off of the REFI boom. So
there used to being in call centers making calls and whatnot.
So they're looking for a guy who can kick down
some doors, go into some brokerages, get back some pass
some gatekeepers, and make some new business. So I instantly
took my license got into the mortgage business. And it
was it was honestly, because traffic was terrible.
Speaker 4 (23:53):
Hearing so I was not expecting that story. And now
you know, I did not rehearse this with him. So
this guy got into mortgages because of.
Speaker 3 (24:00):
Traffic, Yes, traffic in Tampa will make you do a
lot of crazy things.
Speaker 4 (24:04):
So you went around, You've worked in a lot of
areas of real estate.
Speaker 3 (24:07):
I know, absolutely right. Yeah, I find myself self proclaimed
to be one of the most well rounded people in
real estate here because I started off in retail for
about four and a half years, and then I build
up a title company on the marketing side, brought them
a lot of new business that they still work with today,
and then I worked there for three years, and then
I got this itch to really take on more of
(24:28):
a marketing and video forward you know business, and help
real estate agents and mortgage loan officers really expand their
video marketing. But I ended up working for a Remax
team for a year before I started my own business,
Rhino Creative Media. So really everything from the gaining lead
to the marketing of real estate, to being on the
title side of things and understanding that world, to the
(24:49):
retail site and now the broker side of mortgages. That's
a well rounded real estate partner right there. So that's
been the journey.
Speaker 4 (24:56):
So I'll be honest, your real estate experience, although shorter
than mine, is more well rounded. I mean I never
worked for a retail side. So I think I think
that's a very important thing. When we asked, when I
ask you the why, Lincoln, and why why do you
not just tell your consumer to choose a wholesale broker?
(25:17):
But why did you choose to work? Why did you
choose to support your family through working with a wholesale broker?
Speaker 3 (25:23):
Right?
Speaker 4 (25:23):
And I don't have a question perspective, so let me
just ask you the question.
Speaker 3 (25:26):
Ask me why?
Speaker 2 (25:27):
Why?
Speaker 1 (25:27):
Why?
Speaker 4 (25:28):
Why would you not go back to retail? What's the difference.
Why do you think this is better for you and
your family and your consumers.
Speaker 3 (25:34):
I'm very customer, service oriented. Making a lot of money
is fantastic, right, you know, you do well at your job,
your career, you can make money. But I really want
to help people. And the problem with retail that I
found was that I have to fit people into a mold.
I have to make sure they fit into box, a
box that I have, and I only have one box.
(25:55):
So if they're not able to fit in that box,
I can't cram them in there. You know, it hurts people.
So retail is wonderful, but I have no ability to
really customize the experience for a consumer that's buying a home.
In the broker world, I have so many more options.
I have hundreds of different boxes, different colors, different sizes,
(26:16):
different shapes that I can fit people into with products
that are going to be best for the consumer. I
had to sell my products in a way that made
them fit the best of my ability into a certain
line of products. It might not have been the betel,
might not have been the best, but it's what I
had to work with limited options. Now on the broker
(26:37):
side of thing, I've got an expansive amount of options
that I can tailor fit for the best need of
the consumer instead of my best need as a loan originator.
Speaker 4 (26:46):
But let me get this straight. You still get paid,
you still make a commission.
Speaker 3 (26:50):
Well, of course, I'm not doing this for free. I'll
tell you that right now. There's a lot of work
behind the scenes, folks.
Speaker 4 (26:55):
There is. But what I'm hearing is the difference in
retail and wholesale from a guy who has worked in both,
and you're really putting this in the eyes of the consumer,
is that you're able to give more options. Exactly, you're
still doing the same job, but you have more options.
Speaker 3 (27:10):
So you use the word tailor.
Speaker 2 (27:12):
What is that?
Speaker 3 (27:12):
What does that mean That means that I'm custom fitting you.
That means I'm bringing you into the office. I'm taking
out the measurement sticks. I'm seeing exactly how long your
arm is, how long your leg is, I'm seeing the
circumference of your waist, and I'm making you look good
because what you're wearing with me is tailor fitted to
your specific financial strategies that we actually develop for you
because of the amount of products that we have because
(27:35):
everyone's different, every single buyer, every single homeowner, every single
seller has got a unique situation, a unique job, unique income,
and if we don't have the ability as a broker,
we're really limited. And don't get me started on the
bank and depositories because and folks nothing against them, but
they're nine to five workers. They get paid a certain wage.
They don't have the incentive to really go outside of
(27:55):
the box at all or go above and beyond for you,
because when I clock out at five, I'm still getting
the same paycheck, whether this loan goes through or not.
I have an incentive and a fire under me as
a broker to make sure you're well taken care of,
because I only do I want you to get to
the closing table. I'd like you to refer over your
friends and family too, because of the experience that you
had with us. So you just I mean you said
(28:17):
everything and one one. You just nailed it right there.
Sound bites, you know, sound bite right? It is right.
Speaker 4 (28:24):
So from a consumer standpoint, if I work with a
wholesale originator, I'm going to have more options than if
I just go to my bank. So I mean, can
a wholesale company like Lincoln Lending Group do all the
same loans as my bank can?
Speaker 3 (28:39):
Not only can we do that, but we could ticket
typically do even more and even faster. So that's the speed.
But let me talk about like you said, wholesale. You
said wholesale like two or three times. Yeah, I want
to make it clear. Wholesale is a big difference too,
because we are not having to like the banks are
get up. So you have this rate that comes through.
Everyone talks about rate, but they're on the retail side.
Speaker 2 (29:00):
I have.
Speaker 3 (29:01):
I don't have the ability to give you a better
rate that I do as a broker because I'm not
having a bunch of middlemen in between the origination of
the rate and where I'm selling it to the consumer.
So the wholesale side, you're saving money right off the bat,
the moment you give me a call.
Speaker 4 (29:17):
So the reason that the rates are cheaper is that
they're not marked up a bunch of times by a
bunch of middlemen.
Speaker 3 (29:24):
Over and over again. Just like your analogy of the
shirt that was made in is Stanbul. You know, it's
made for a certain price, maybe ninety eight cents, it's
getting all the way to Nordstrums, and now it's seventy
nine to ninety nine on sale in the clearance rack,
maybe even but still that shirt started off as ninety
seven cents or something like that. That's the same thing
(29:45):
that's happening within the banks and the retail lenders is
that there's so many people sticking their hands into the rate.
By the time the consumer gets it, it's inflated. It
doesn't have to be that high, and with a wholesale broker,
you don't have to worry about that.
Speaker 4 (29:57):
Now, let me ask you this, Okay, So we just
talked about the consumer experience, so clearly it's all about exactly. Now,
let's be a little greedy for you as an originator.
You know, you could work anywhere with your experience.
Speaker 3 (30:10):
You made a choice.
Speaker 4 (30:11):
You made a choice to come to Lincoln Lending Group,
which is the wholesale side of the business, the broker side.
Was there a reason that you chose Lincoln over any
other company?
Speaker 3 (30:20):
There's the broker side. I know that I wanted to
go broker. I had the chance to go back to retail,
but I did not. The main thing I want to
say is energy, and options and reputation. So those are
three things that were really important to me because in
this business it can wear down some people that are
working hard. In this business. You have maintained your energy, sir,
(30:43):
and I wanted to be around a leader who was
very energetic but also had been in the business a
long time, and he created the type of environment where see,
as a broker, we got to have great relationships with
others out there, right and you've established those relationships, so
the ability to come in high energy, great organize that
has these amazing options and all of the resources for
(31:04):
me to be able to tap into as a returning
originator who maybe wants to stick more on the marketing
side get more business, but has the resources for my
loan officer assistants and amazing processors and amazing systems in place.
You've established that so to be able to tap back
into that, It's almost like I had continued to be
in this business the whole ten years because all the
(31:25):
resources are right there and available to me. So that
was really important for me. It's like you didn't miss
a beat. No, it's like I didn't miss a beat
at all. It's like I had been here. Everything was
waiting and available for me to take advantage of when
I got back to Lincoln Linding Group. So we got
to take a break.
Speaker 4 (31:39):
When we get backrom the break before we go into
your experience and what the consumer can expect from Ryan Owens. Okay,
we are going to ask that question. I'm going to
ask you a question that goes out to all the originators,
all the professionals out there when we get back, and
I'm going to ask you a very simple question, which
is why should a retail originator not be scared to
(32:03):
take the jump into wholesale origination. That's the question for
all you retail originator. Stay tuned on the Business Happy Hour.
Speaker 3 (32:10):
We'll be right back.
Speaker 1 (32:11):
Let's get back to the Business Happy Hour radio show
with your host, Frank the Benkoto, owner of Lincoln Lending
Group and his co host Senia Akishna.
Speaker 2 (32:20):
Realtor with Mahara and associates.
Speaker 4 (32:22):
All right, guys, welcome back to the Business Happy Hour.
We have that question that we're gonna ask in just
a second. But before we do, I know you guys
are sitting there saying, this guy, Ryan Owens, this Rhino
Mortgage guy has energy, he's gotten go, he's making all
the right decisions. I gotta know how to get in
touch with this guy. So Ryan, why don't we tell
him now and we'll tell him again later. How do
they get in touch with you?
Speaker 3 (32:43):
Well, you can get in touch with me from anything
from smoke signals all the way to direct messages on
Rhino Mortgage. That's Ryn Mortgage at and you can reach
me on my cell phone strictly for business. If you're calling,
I am going to be at your attention. Eight one
to three six one zero zero six four seven.
Speaker 4 (33:02):
That's an easy one zero six four seven. That's six
to one zero zero six four to seven. There we go,
Rhino Mortgage. You guys go to at Rhino Mortgage r
yn O and don't forget if you want to touch
base with Ryan, all you have to do is reach
out to me. I put the stuff out there all
the time. The Instagram has my cell phone numbers. Be like,
I want to talk to Ryan. I want to talk
to the guy that was on that shit. I want
to talk to you. That's right, he does want to
(33:23):
talk to you, and we're gonna get you in front
of him. Hey, hello to all the people are joining
us on the show right now. Wave giving you guys
a wave. Thanks for watching. Don't forget to share this
out with all your friends.
Speaker 3 (33:33):
Rosa.
Speaker 4 (33:33):
Goodness, see see your face again. I love it, Roses,
our past co host on ROSA. Shout out to Rosa. So, Ryan,
let me ask you that question. The question was, there's
a lot of people in the in the industry. Maybe
they're working at a bank or one of those bad
credit unions or something like that. Oh right, and they
don't have all the options and everything, but they're but
(33:54):
they're nervous. They're nervous about making a jump from sitting
in the bank and being spoon fed to going out
and building their own career. Why should they not be
nervous to jump from a bank into a wholesale company
like Lincoln Lending Group.
Speaker 3 (34:06):
Well, first, what do you want out of your career?
That's the first thing I'm going to ask you is
do you want to be able to expand your offerings
to the public and be able to market more things
than you've ever had access to and be able to
do them well at a high level while also getting
paid better and the ability to tap into pre existing
systems like Frank's. You know, Frank goes out and does
a lot of you know, brings a lot of agents
(34:27):
in and allows you to tap into that. And he's
not there. You're not competing against an owner. You're actually
a partner with that owner who's got a great reputation,
does a lot of in person classes and get you
the opportunities to be able to expand your business that
only you have to take advantage of. And if you
want to take advantage of that, you want more offerings,
(34:48):
you want to make more money, you have more aspirations
for your career. Then it's really as easy as you
giving any of us a call and allowing us to
get you in front of Frank for him to tell
you how your career can expand by getting into the
broker side of things and joining Lincoln Lending Group more specifically.
Speaker 4 (35:07):
Well that that was perfect, so so basically, long story short,
they don't need to be scared to go from retail
to wholesale.
Speaker 3 (35:13):
You feel there's no fear but fear itself. Uh, sir,
that's exactly right.
Speaker 4 (35:17):
What also I heard from you, just kind of subliminally
is is I heard that if you are the type
of person who wants a career, yeah, you want to
be in this industry.
Speaker 3 (35:26):
This isn't just a job where you're going to plant
or bought to make your hourly.
Speaker 4 (35:30):
Right, if you want a career, it seems to me Ryan, like,
you know, even if it's not Lincoln Lending Group, you
should be on the wholesale side of this industry, not
sitting on the retail banker side.
Speaker 3 (35:39):
Would that be right? Yeah, that's exactly right, right, that's
exactly like, Yeah, that's what I'm saying. Yes, that's exactly
what If you want to if you want a career
and not just a job just overbroke, you need to
take some advantageous moves in your life and and join
the broker side of things. Brokers are better.
Speaker 4 (35:57):
Hashtag that is hashtag brokers are better in Some of
our favorite partners say that like United Wholesale, Morgan.
Speaker 3 (36:02):
And by the way, look at the Scotsman guy. There's
some amazing retail lenders out there. Nothing against lenders, but
I'm on this side of things and I'm marketing it
because I believe in it.
Speaker 4 (36:11):
So you know, so actually, let me segue into that, Ryan,
What are some of the products that you believe are
very important for people right now?
Speaker 3 (36:19):
What are some of the things that you think people
need to know about. I think they need to know
about a variety of things, whether you're investor, a first
time home buyer or experienced buyer. And that is for investors,
whether first time or not. There is a d SCR loan,
no income, no job. You can become an investor right now.
And that is an amazing loan product out there, and
Florida is just a hot ground for new old experienced investors.
(36:43):
The DSCR loan is phenomenal. No income, no income, no job.
It sounds like you shouldn't be able to get a loan,
but you absolutely can because it's based upon the servicing
of the debt having a renter into the property. So
you can become an investor today by giving us a call.
So that's amazing. The other thing is too a lot
of people are because they're reluctant to get out into
(37:05):
the housing market. They might be sitting on some equity,
and no matter what we say, no matter what our
products are, they're going to be sticking with their two
point five percent interest rate right now when they're sitting
on a ton of equity. Us as brokers, we have
the ability to offer up home equity lines of credit,
which gives you an option away from complete refinances. You
can still hold on to your first mortgage rate and
(37:25):
be able to tap into that equity, pay down debt,
be able to make more investments, not go to the casino.
But no judgment, I'm just saying. But also the first
time home buyer, the Hometime Heroes is coming out. We've
got one percent down conventional loans that are available to us,
and we've got I believe, almost zero percent down on
most products.
Speaker 4 (37:46):
I would venture to say that Ryan can find you
a no money down product for a ninety percent of
the scenarios that you go on, whether it's USDA VA FAHA,
with grants, Hometown Heroes, conventional one percent down.
Speaker 3 (38:00):
You've got it, Ryan. But wait, there's more whole no
way now working with some of the great agents they
here in the Tampa Bay area, there's a lot of
sellers who are offering up seller concessions, meaning they are
helping you pay down the closing costs because it's not
just down payment with the loan. There are closing costs.
There are fees that the sellers are more than willing
mostly right, and I think the majority of home buyers
(38:23):
are taking advantage of seller concessions out there. So not
only do we have zero down programs, but you can
even have most, if not all, of your closing costs
completely covered and it makes moving a no brainer.
Speaker 4 (38:33):
So the last time I talked to you about this,
you told me that with one of your clients, you
actually got them into the house they closed. They all
they did was pay for their appraisal and their home inspection,
and when it got to closing, you got them back
their earnest money deposit of four thousand dollars, So they
basically got into that place for like a thousand dollars.
Speaker 3 (38:51):
That's amazing. Yes, that's almost getting paid to move. Why,
that's pretty phenomenal. Yeah. Yeah, there's there's just so many
different ways for folks that take advantage of the housing market,
which right now is great because there's a lot of inventory,
there's not a lot of competition. And woe to the
person who thinks that when rates come down that they're
gonna be able to go out there and not have
to compete on rising housing prices and a plethora of
(39:14):
people that's going for that house right now, you can
get it.
Speaker 4 (39:17):
I promise you what Ryan said earlier about that flood,
the people standing on the fence, it's a real thing.
Speaker 3 (39:22):
You don't want to be gonna flood competing. It's gonna happen.
It's gonna happen, and you're going wet. That's right, that's right.
When raids drop, I will make you a promise.
Speaker 4 (39:31):
Prices will go up, yes, and you will be sorry
you didn't buy today, because you can marry the house
and date the rate and you can refine. Ryan, we've
got thirty seconds, take us out. Let's give a message
to the guys in the last thirty seconds. What do
you want them to hear?
Speaker 3 (39:43):
I'm glad you're out there driving safe from Tampa Bay.
And if you're looking to even think about buying, selling, investing,
you need to get a hold of Lincoln Lending Group,
Rhino Mortgage specifically charged up by Lincoln Lending Group. We
want to help you succeed in this housing market, and
you might be believing some myths out there. We want
to bust those myths and get you into that door.
That's right. How are they going to reach you, Ryan,
They're going to reach me on Rhino Mortgage and eight
one three six one zero zero six four seven. Make
(40:06):
a song out of it. You'll remember it. That's it, guys, Ryan,
thank you for coming on the show. It has been
a great one. It's been great. Let's do it again.
Speaker 4 (40:12):
Let's do it again. We'll see you guys next week
on the Business Happy Hour.
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