Transcript
WEBVTT
00:00:00.479 --> 00:01:08.159
Would it be helpful to learn how to handle two jobs, two full time jobs at the same time, especially if you're a real estate agent. Lot a lot of new agents are doing this. Well, Chuck bear is on my show today, and Chuck has two full time jobs. He's a full time real estate agent. He's a guru. He's killing it. He's doing a great job, doing lots of, lots of business, and then he works at Lafayette schools, so he has to drive up to Lafayette. Works there all day. And he's able to somehow do, do huge, huge volume, throw into that some health problems that he's had over the last year or so. And it's fascinating to hear what what Chuck has to say, and how he's able to put that all together. I think anybody struggling at all with with time management, trying to figure out how to do everything, whether you have two full time jobs or just just one, I think, I think this could be very helpful. So please listen, and please let Chuck know that you know your care. You care about him.
00:01:03.840 --> 00:01:16.680
Thanks. Well, Chuck bear, you've come out of hibernation. I have come out of hibernation. You've been you've been off, you've been on before, but this is your second time on. But it's been a while, right? It's been a while.
00:01:16.680 --> 00:01:20.599
Been a couple years, couple years, and a lot of things have happened in your life since then. Yeah,
00:01:20.599 --> 00:01:42.459
we've had a lot of health scares, and I've changed companies. I'm with exp Realty now. Started with them in October of 23 and it's been a great transition. I really do enjoy the the atmosphere of EXP and how they offer, what they offer, to their agents, and it's been, it's been a really good growth for me to be at exp.
00:01:42.638 --> 00:01:45.338
That's awesome.
00:01:42.638 --> 00:01:48.938
That's, you know, it's, it's, it's one of those things that's just so important that you're happy where you're at.
00:01:49.120 --> 00:02:07.260
Yes, I was happy at carpenter. It's just, I think I outgrew carpenter is a really good company to start out with and to work with. But I just felt that there's another side to the industry I wanted to learn and be a part of. And it's just been a really good transition. Well,
00:02:07.260 --> 00:02:24.919
that's, yeah, that that's awesome. I was trying to figure out this camera so, so you, let's, let's talk about the you've transferred to exp. What is it that that you really, you know, what is really benefiting you, there for you, beneficial for you being there.
00:02:25.939 --> 00:02:45.099
The benefit for me, going there is the freedom we have within you know what we do with the listings and in the commissions we're allowed to offer. The benefit is their training is really fantastic.
00:02:38.960 --> 00:03:09.780
Their communication is very good. And you know, you have a big network of other agents that you can work with across the whole country through their little it's similar to Facebook type of thing. I can't remember what it's called, but you if you have a question, you have a whole network of over 5000 agents across the country that you can communicate with and talk with and learn more from.
00:03:10.259 --> 00:03:10.740
Well,
00:03:11.099 --> 00:03:20.659
I gotta think that there's not much that somebody in that 5000 network of real estate professional real estate agents that you can't get an answer to pretty much anything you need
00:03:20.659 --> 00:03:35.479
an answer. You get an answer for everything. And, you know, you just, you're out of all of them, you find the one that's most common, and you go with it. You know, sometimes you're just wanting to know a question, just to make sure you're you know what your your thought process is in the same line as everybody else, yeah,
00:03:35.719 --> 00:03:45.159
that's just that seems like a that's a really cool thing to be able to do is have that many people who can who can help you. Now you talked about you have you had some health issues.
00:03:47.080 --> 00:03:52.120
So what's going on?
00:03:47.080 --> 00:04:01.740
So 2021 had some breathing problems, went in, had a CAT scan done. The CAT scan showed high classification of my heart.
00:03:57.759 --> 00:04:17.579
And then I spent the best investment money I ever had was a 4999 heart scan at Hendrix county hospital, and they found that my my calcification was over 2600 which is extremely high. Anything over 400 is, you know, danger zone.
00:04:17.579 --> 00:04:21.559
Yours was 2600 Yeah, it was 400 is danger zone? Yes.
00:04:21.559 --> 00:04:22.038
Wow,
00:04:22.098 --> 00:04:51.579
yes. So then I got hooked up with my cardiologist, and we did a catheter, and we found we had some pretty big blockages, and then we tried to treat with medicine, and medicine didn't really help me much. Six months later, had another catheter and had a heart stent put in. And then in July of 22 I had an emergency situation happen where I had two more heart stents put in, and just it's just been diagnosed with severe coronary heart disease and also pulmonary fibrosis in the lungs.
00:04:51.999 --> 00:04:54.519
Wow. And now, I mean, how you feeling that?
00:04:54.519 --> 00:05:11.759
I feel great. I feel great. The doctors have done a great job. We got the we got the arteries clear. Weird for now, and we're keeping a close eye on everything by doing, you know, our doctor visits every six months and doing heart scans and things like that. And everything's getting
00:05:12.300 --> 00:05:34.879
better. You know, one of the things that impressed me about you originally, and it still does, and now even more, okay, so here you are. You're doing a phenomenal job as a real estate agent. You're you're going through health issues, and you actually have two full time jobs, not only the real estate agent, but you also work for,
00:05:34.879 --> 00:05:37.939
I work up at Lafayette School Corporation and facilities department,
00:05:38.060 --> 00:05:57.339
okay, and and so there are so many people I talk to that's either, either are in in a job, they want to come in, they want to become a real estate agent, or maybe they are and they're trying to work two jobs, and they have trouble with that. So how do you do it?
00:05:57.819 --> 00:06:06.238
Time management. You know, 90% of my clients are my buyers or sellers my friends.
00:06:02.399 --> 00:06:15.238
They want to do most of the business Monday through Friday, after 5pm and then Saturday and Sundays. You know, I'm an empty nester. My kids are grown.
00:06:15.238 --> 00:06:28.759
They're adults now. So we have two grandchildren. And you know, we manage our time. We do. You know, I set my time aside for them, and I upfront and honest with everyone who I work with.
00:06:28.759 --> 00:07:03.358
I'll let them know this is the situation. If I need to take care of something, I do have some freedom where I can take care of something during the daytime. Generally, it doesn't very happen very often. But, you know, we get things done, and once you get your templates and everything put together, then it's all plug and play, you know? And it doesn't take as much time when you have everything set up in the orderly fashions and have everything detailed already out so and everybody gets 100% of my time.
00:06:57.759 --> 00:07:21.559
I am. I'm 100% for everyone who I work with, because I want them to have the greatest experience that they can have. I want them to be able to say, You know what, we had some hiccups, but man, did we just go through them so smoothly and didn't really notice them that much, and we got things done, and it's all about the experience for them as well. So I make sure there's time allotted for everybody?
00:07:22.038 --> 00:07:22.338
Yeah,
00:07:22.699 --> 00:07:25.639
you know, it's, there's, there's always hiccups.
00:07:25.639 --> 00:07:52.420
It seems like in real estate, yeah, you know. And it's really how you react to it, right? And it sounds like you know exactly what to do now, time management, so it was one of the things you do. And if you do, how do you do it? Let your customers know, your your your, everybody know when you're going to be available. So do you set those expectations so they know that, that there's certain times you just aren't, aren't available.
00:07:52.420 --> 00:07:52.779
The very
00:07:52.779 --> 00:08:03.000
first meeting, our very first meeting, I listen to them, we talk, and I hear everything that their wishes and wants and don'ts and all that.
00:08:00.180 --> 00:08:42.580
And, you know, I make the meeting about them as much as possible. And then at the very end, I'll say, now I'm gonna throw in this little caveat. I do have a daytime job, and these are my hours. I am accessible by text message and phone calls during those hours if you have questions, but for meetings and to go out and look at homes Monday through Friday. It's from five until respectful time of 8pm and then Saturday and Sunday, as long as we have it set up, I'm open all day. So those are the expectations. And really, everybody's been on board. I have not lost a client or customer or buyer or seller yet from being upfront and honest with them from the get go? Yeah,
00:08:42.879 --> 00:08:52.839
and I think that's the key. And one of the reasons I want to go over that is so many people struggle. Real estate agents struggle with controlling their time at all.
00:08:53.438 --> 00:09:34.879
Somebody calls, they run and do what they got to do, right? They drop what they were doing. You know? They could have dinner plans. I'll go a little crazy, dinner plans with the president United States. And somebody calls and they say, sorry, I can't make it, Mr. President, I gotta go show a house, right, right? Probably wouldn't do that, but they will drop their best friends that they've been having. You know, have an appointment on the books for four months because a million dollar possible client just call them, right? And, and I'm finding that there are agents like yourself who are able to kind of set the expectations, and then people work within those expectations, and yours are reasonable expectations.
00:09:34.938 --> 00:09:35.298
Yeah,
00:09:35.419 --> 00:09:51.759
yeah. I mean, everybody's got to work. You know, there's not that many people that work, second, third and fourth shifts that are demanding. You know, a big portion of everybody works to nine to five or six to 233, o'clock, and everybody's pretty understanding with all of that.
00:09:52.000 --> 00:10:19.559
I do know there's a lot of the more experienced agents out there saying, You know what, I'm not working Sundays, no more that they're actually taking a full day. I. Not to that point, because I really like interacting and working with people, and it's not like it's every day, eight hours a day, but you still have to give those expectations and people, people understand. They really do, as long as you're upfront and honest with them, they really understand and they go along with it. Yeah, well,
00:10:19.558 --> 00:10:25.219
I would say that's, that's something about you that I've learned is you're upfront and honest with people. Yeah, I'm
00:10:25.220 --> 00:10:31.220
not afraid to tell people, you know, upfront, honest. I will tell you this.
00:10:27.559 --> 00:10:52.840
The craziest time we had was my first I got into the business in 19 and that was right at the height, or beginning of the height of the whole, let's hurry up and buy a house and overspend and things like that. And that was kind of tedious, but, you know, that's what helped me get to the point where I am right now, with being able to just be, you know, hey, it'll be there.
00:10:49.720 --> 00:10:55.779
And if it's not there, believe me, there's gonna be another house come up, very similar to that one.
00:10:56.860 --> 00:11:41.080
You know, I think that is very wise advice. I My son just bought another house and and both times he bought a house, I told him the same thing, you just there isn't. In fact, most people I've seen they they go and they look at a house, they think, Oh, this is it. And if they don't get it, they're all depressed and everything. And then maybe the second one, and maybe even a third one. And back then, it might have been nine or 10 of them they didn't get right. But what I found is every single one of them, when they did get it, I don't care if it was the second house, the first house, the second or the 21st they realized that was the right house. Yeah, that the house they ended up with was the house they actually wanted.
00:11:41.139 --> 00:11:52.720
Yep, exactly. That's why I try to explain to so many people who go into these houses, you know, don't go into the house to buy it just because you think it's the only time you go get to buy that house. You'll know when that house is right.
00:11:52.720 --> 00:12:00.419
And it's so much fun for me to watch that when that happens, because their face lights up.
00:11:55.779 --> 00:12:14.700
They try to be cool and not show their poker face, but I'm telling you, when they see the house, and their eyes start getting bigger, and you start seeing the eyebrows raise up, and, you know, you get the ooh look. And you know that, you know that's the house for them.
00:12:14.700 --> 00:13:08.759
And you really work harder to get them into that home. And you know, they look at the little, small blemishes, they're like, You know what? We can fix that in other homes, when they see those small blooms, oh no, I don't like that. But when you see the same thing there, it's like, oh, wow, oh, wow. And I tell everybody, I go, don't look at the pictures online. Don't let me look at them. But don't look at them. Just browse through them, because lot of them are photoshopped, and some of them will make the house look immaculate and some won't, but you won't know for sure until you're actually in that house, because then you're seeing it for live, because pictures are deceiving. And a lot of people say that to me, I say, oh my god, the pictures made this place look immaculate, or oh my gosh, the pictures made his place look dingy and horrible, but it's beautiful. So, you know, you have to go and see the houses and to see what you're getting. Yeah.
00:13:08.940 --> 00:13:41.019
And, you know, the pictures I've had, people tell me, yeah, you go in and the house looks so big in the pictures, yeah, yeah. And it didn't, it didn't look so big. I can tell you, I love cars, if you can't tell you already knew that. And and I got a lot of car auctions, and if you bought the car, I don't understand how people can do this. If you bought the car by just looking at the pictures, you have no idea most of the time what you're getting none. If you bought the car from 20 feet away and never got close to it, you still have no idea. Right?
00:13:37.279 --> 00:13:56.139
Exactly. Exactly same with houses. Yeah, you got it. You got to go look at them. You got to see them. You just, it's just what you have to do now, Chuck, if somebody is listening, they go, You know what? I need to buy a buy a home, or I need to sell a home. And Chuck's the guy I want to work with. How would they get a hold of
00:13:56.139 --> 00:14:14.700
you? Just somebody call me or DM me at 317-698-3339, I'm strictly going by phone number now. It's the best way to get a hold of me is send me a text or DM at 317-698-3339, but Hey, Rick, I got a question for you. How do people get a hold of you? Well, that,
00:14:14.700 --> 00:15:13.980
you know, I'm glad you asked, because the best way to get a hold of me is go to hardworking mortgage guys.com, that's hardworking mortgage guys.com, or you can give me a call. I'm trying to get over this number, but my problem is I cannot remember the number I've got, you know, I have seven numbers. Now, how do you remember? It's crazy. Every time I pick up, you know, I do a CRM so I can keep in touch with people. And it gets you have another number. So I'm trying to get them condensed, but this one is 4632239592463, 22239592463, is a new a new exchange in Carmel. It's actually a caramel number. So 469, or 6346, see, I don't know it. 463-223-9592, or hardworking mortgage guide.com, thanks for asking. Appreciate it. You're welcome. I It's not something I normally. I. You know, I normally have done and that that helps. And so we talked about, you know, you how your business, you know, you've, you've made the change. So now that you're at exp, and you've been there a year,
00:15:14.279 --> 00:15:16.320
roughly about eight months, about eight months,
00:15:16.440 --> 00:15:24.080
so now, when you got there, did, did everything just kind of transfer over? Did you have to do anything to really get the business going again?
00:15:22.519 --> 00:15:24.080
Oh,
00:15:24.080 --> 00:15:26.360
you have to start over. You have to start over.
00:15:26.360 --> 00:15:31.580
New marketing, new everything.
00:15:26.360 --> 00:16:18.240
It takes about a month to get everything going. It was, it was, man, there's a lot of transitioning. You have to go through. It takes about a week to week and a half to go through all of the, what's that called, when you onboard? Oh, yeah, onboarding. It takes a long time to onboard, especially when you're not as savvy with the technology as I am. I mean, we didn't grow up with that, you know. And I just kind of, in my, in my world, you just had, like a doll system really still, you know, and now you got all these fancy things out there to learn, but onboarding took me a little bit of time. And then I had a little bit of the health scare towards the end of last year, and I just took that three months, two or three months off.
00:16:15.120 --> 00:16:35.000
And then I in January, I started hitting it hard, really jumping on the social media platform, doing more videos, more more what I'm going to say messages online. You know, I do the bear joke thing. Still, I What's the bear joke thing? Let
00:16:35.000 --> 00:16:37.159
everybody know, it's a
00:16:37.220 --> 00:16:39.620
once a week. It's the bear chuckle of the week.
00:16:40.100 --> 00:17:00.779
And we, I just, I just either find some pictures and put the bear joke together and do that, or I'll find a funny bear dad joke and put that on there just to draw attention, draw maybe, you know, bring a grin to some people's chins, bring some laughter in somebody's heart, and give them a brief moment of thinking about something different.
00:17:00.779 --> 00:17:08.099
Yeah, so I know that you're looking at getting retiring from your job at the schools at some point here soon.
00:17:08.400 --> 00:17:11.220
So you're gonna your second job.
00:17:08.400 --> 00:17:17.579
Then going to be a comedian? Are you gonna be a stand up? Because you're hilarious. You're actually you're not showing it so much today yet, but you are a funny guy. Well, I
00:17:17.579 --> 00:18:07.440
appreciate that. I would like to do that. I'm obviously not introverted enough where I don't want to get up in front of people. I'm going to start off, I would like to do some speaking gigs and talk about some motivational things, and maybe what it takes to, you know, live in this diverse world a little bit and never give up on your dreams and your goals. I like to, you know, go out and speak. I get to speak to some high school football players and athletes once in a while, and I really enjoy doing that. A friend of mine that I graduated with, he is a part time comedian, and I've always told him I'd love to do it at least one time. So my wife and I were going on a cruise, and if they have a night where they'll let people come up on stage, more two jokes. I might go up and do a couple, but no, I know, yeah, I would like to do at least once.
00:18:07.559 --> 00:18:20.039
Yeah, you know, I can see you doing it, but I, you know, it's like anything else I don't. At least for me, the first time I do it, it is awful.
00:18:14.819 --> 00:18:59.920
Yeah, whatever it is I'm doing when I the first radio show I did, I am so glad that at least anywhere I can find, if not anywhere anybody can hear it, right? It was horrible, right? I know some people are listening going, Well, you haven't really got much better, but it's so much more comfortable today than it was then. I didn't I didn't know what to do. Didn't know what to say. I was intimidated by the mics and all that. Just like everybody is when they first do this, right? Yep. So it's a it's just you got, you know, if you I think probably what happens to people, I've heard is they get up there, whether they bomb or not, it's like, oh, yeah, this is it.
00:18:56.019 --> 00:19:03.420
Yeah, I want to do this. Or it's like, Nick No, I don't want to do this ever again. Yeah,
00:19:03.420 --> 00:19:13.980
I think the problem I would have would be with hecklers. I'm not very good with coming back on things like that, but I tell you, I want to compliment you. You do a great job with this program, and I've really enjoyed watching it grow.
00:19:13.980 --> 00:19:23.000
Sorry about that. It's it's fun watching it. And all the other agents that you have on here, they all do a great job with you, so you do a great job with this program.
00:19:23.059 --> 00:19:50.859
Thank you. I think the agents do we've had, you know, it's one of my beliefs, and I can't say it always has been my belief, but one of the things I've learned from the show and talking to all the these phenomenal agents like yourself, is that Indianapolis and maybe, maybe everywhere, but Indiana is blessed with not just great real estate agents, but these people are like yourself.
00:19:46.539 --> 00:20:50.740
You're great people, yeah, and, and it's and everybody I've had on, I think, to a person, it's not about the money, not that, not that. I mean, let's face it, every, every. Anybody knows you're doing, you need to earn a living, right? But in fact, I'll say everybody, when it comes down to it, if there's an issue and it's between me making them making their commission, or them not making the commission, but taking care of their customer, they choose taking care of their customer. Yeah, and I don't think that's the reputation that's out there, but I think that's the truth. And I think I know for myself, I get very, you know, I put my guards up when I when I'm in a situation where I don't know somebody that well, or I'm in, you know, I'm buying something, but a real estate agent is is different. And if you get the right one, and there's there's like yourself, they get somebody like you, you're always going to watch out for them, because that's who you are, and that's how you built your business. Yeah,
00:20:50.799 --> 00:21:51.339
exactly right. Being genuine, being genuine, and just being being a person who loves people and making sure people are not being taken advantage of. I really love helping first time homebuyers, because they're coming in, they're so green, and, you know, most of them are scared, because they know they're going to spend 200 300$400,000 on an investment that they don't know if they're going to make their money back or even make some money off of it years down the road. And it's just so fun going through that whole process with first time homebuyers and helping them with understanding how the loan process goes and getting pre approved. And that's the main thing that a lot of people really need to get understood, is you have to get yourself pre approved, even almost to underwriter pre approval, and know what your budget is, and not get yourself house poor, you don't that's why I see a lot of people doing in not even realizing they're doing it and getting themselves house poor.
00:21:48.880 --> 00:22:04.200
And I do everything I can to keep that from happening to them, because I want them to enjoy their home. Yeah, you know, I want them enjoy what they have. I want them able to go out to dinner, whether it's white castle or Ruth Chris, you know, go out to dinner. Yeah, you know, yeah,
00:22:04.680 --> 00:22:26.240
I obviously pre approval is really, obviously important to me, because it's what we do and what you said. I agree 1,000% not only a pre approval, but give us time to get it underwritten. And why would they want it underwritten?
00:22:26.240 --> 00:22:33.980
Because when you can tell them better than I, but when it's underwritten, they they are no longer they can close quicker.
00:22:34.220 --> 00:23:05.940
Yeah, the the seller knows that there's very little that can get in the way the appraisal. If there's an appraisal required, the purchase agreement, if it's not up to snuff, which it always is, so that's never really an issue, and the title work, right? Yep, other than in the inspection, yep. But in our end, that's the inspection isn't part of what we do. So when, when you have a fully underwritten, what we'd call a conditional approval from an underwriter. How does that? How does that help? When you're making offers,
00:23:06.420 --> 00:23:13.019
it gives you a lot more strength over someone who just has a general pre approval.
00:23:08.519 --> 00:23:53.859
It gives you a lot of strength because, like you just mentioned, the other agent says, Wow, all they need is an address. We give them the address and then we just wait for title to come back with anything, and we're pretty much 75% done. Instead of waiting for, oh, man, are they going to find out that they had a debt issue 10 years ago? Are they going to find out that maybe their debt to income ratio isn't where it should be, type of thing, and it just gives the seller side confidence that this transaction is going to go through smoothly and we're going to get everybody to the closing table. It's just a confidence thing for everybody on board.
00:23:51.519 --> 00:23:53.859
Yeah,
00:23:54.220 --> 00:23:59.380
I agree, obviously.
00:23:54.220 --> 00:24:19.140
And the other thing I think that people have to understand. And when I said, you can't, you know you want to give us time, one of the things that I think that a lot of people make an error on is I get a call at two o'clock on a Saturday afternoon. I've never talked to them. They found a house they want to buy and they want a pre approval letter.
00:24:20.880 --> 00:25:13.019
And for some people, that's fine, okay? I mean, you pull their credit, you look at everything, everything's perfect. There is no you know, okay, we can do that. But if there's anything in there, especially a first time homebuyer, that's usually that they need a little more time, or a self employed borrower, or if there's any issues, let's say your credit's frozen. If your credit's frozen, I can't pull it right, okay, I can't give you a pre approval of your credit's frozen. And when you go to unfreeze your credit, it doesn't always unfreeze it the second you do it, it takes. It can take some time. So it's, it's one of those things that's extremely in my book, important. And I would say, give. Give a lender a week, or a little a little little more, possibly, depending on, on the on the volume, so that they can get it underwritten, yeah, so that they have that time,
00:25:13.319 --> 00:25:38.240
just the minute I really, I really help try to get them to understand the minute that you're thinking about buying the house, get it done, because it's not going they're not going to draw too much away from your credit score. And at least you have an idea what's going on with all of that. I had a thought a minute ago, and I wish I could remember what it was, because it was I was going to ask you a question, what your opinion was on something, and I'll remember here in a minute.
00:25:39.200 --> 00:25:39.559
But
00:25:39.619 --> 00:25:44.859
it's the problem with getting older, it is just one of the many it
00:25:44.859 --> 00:25:48.880
is. So, you know, you hit the nail on the head.
00:25:48.880 --> 00:26:30.319
It's really hard for people to get a pretty much when someone calls you at two o'clock in the afternoon, all you're able to give them, really, is a pre qualification, that's right, you know. And it's not really a true pre approval. You know, that's why people understand, you got your pre call, you got your pre approval, and you got your underwritten, conditional, conditional approval, and that's the one that you need to get. I mean, it gives you so much strength, so much strength, yeah, but you know, and like you You know, there's good lenders out there that will bend over backwards for everybody and do what they can because they're in the same situation. They love people, they want to help people achieve their goals and dreams.
00:26:30.680 --> 00:26:52.119
And you know, you guys have been over backwards for these people, even on Sundays, when you're just walking out of church, you get that text message from someone in a frantic deal. It's, oh my gosh, you know, and you know, we're not in 2021 22 right now, right? We do have time, right? And if it's just, it's just being good to people, that's what's about. Yeah,
00:26:52.119 --> 00:27:17.640
it's just better if they met, if they they plan, I think what happens. And you, you work with them directly. So you, I'm just as I'm kind of high, I'm guessing. But you can tell me if I'm right or wrong. I think people think I'm going to go look at houses, but I'm not going to find anything. So I'm not going to go ahead and talk to the lender, and I'm not going to get pre approved. I'm going to go look and see if there's anything out there. And then they walk into a house, and just what you said there, you can tell this is the house, yeah.
00:27:17.700 --> 00:28:29.900
And now all of a sudden, oh my, I want to make an offer, but they aren't. They didn't get prepared to make an offer and and now today we we pull. It's a soft pull, okay, the first poll is a soft pull. It's not going to affect your credit score. And we'll do a we'll do a hard pull later on. Now a hard pull is better because there are things that don't show up in a softball. Yeah, all right, that you just have to understand soft pull is not going to be as good as a hard pull, and the hard pull only hits your credit score three to five points. Now that's no big deal if you're if you're in the higher level of credit score, meaning that every 20 points so it's basically starts at, we'll say 626 20 to 639, then 640 to 649, then 650, to 679, right? So you can kind of see how that I'm sorry, 660 to 679, I can't, I can't count today, but it's every 20 points, starting at at 620 so if you're, if you were at 639 a poll is not going to hurt you any, right? If you're at six 921 it's not going to hurt you on that poll.
00:28:27.680 --> 00:29:02.880
Because you're going to be at 621 it's going to hurt you on the next poll. Yeah, okay, you don't want to have to have pull a second time. Now, you can pull with another lender within a certain amount of time, but you know, it's just one of those things, and we're beating that to death. I just, I just, I just, it's very important to me, and I Sorry, sorry. I get unto it. I get it's kind of like cars. I can't stop talking about them when I get going. So I apologize. So what? What would you, you know, if somebody's out there listening and they say, you know, why? Why should they number one? Why should they work with Chuck, and how do they get a hold of Chuck?
00:29:04.079 --> 00:29:41.200
Well, they should get a hold of Chuck because Chuck cares, and I care a lot about people, and I'm going to give them the best that I can give them at all times. I do have an extensive background with construction, with building, maintenance, home, maintenance home. I understand the homes and what, especially now, with my experience that I've had, I understand what inspectors are going to look for. I have the knowledge of that I especially if it's FHA, I know exactly what FHA is going to ask them for, and I can help them understand what's going to happen. So with my with my knowledge and my background, I have a pretty good experience.
00:29:41.200 --> 00:29:55.779
Be able to help them to get a hold of me, give me a phone call or DM me at 317-698-3339, that's the best way to get a hold of me is either text DM or call.
00:29:49.660 --> 00:30:03.779
317-698-3339, but when someone's wanting to get their pre approval or even talk about their options of. Of being able to get a loan. Well, how should I get hold of you? Rick, well, thank
00:30:03.779 --> 00:31:13.500
you for asking. And the best way to get a hold of me is go to hardworking mortgage guy.com. That's hardworking mortgage guy.com. But of course, if it's on a Saturday at two o'clock and you need, you need to talk to me. You can give me a call, and I'm gonna have to look up my numbers, 463, I remember that part, 463-223-9592, that's 463-223-9592, you can call or text that number. And one thing about the weekend for me is, if you're, if you're contacting about the weekend or after hours, I'll get back with you as quickly as I can. But as you know, if you're, if you're doing something, you can always get back right away. Sometimes, you know, I even try to bring my computer to almost everything I do, but sometimes I just don't, I just don't have it right, right? And so I need, you know, it may take me a little bit a little bit longer just be patient, because I'm going to get it, I'm going to take care of you, and I'll get you what I what I can, but it's best to not do it on Saturday at two o'clock, do it that Monday beforehand, so we can get it done correctly. And everything's great. So I'll get off my high horse just one of those things.
00:31:13.619 --> 00:31:21.079
So what is one strategy that you use that a lot of other real estate agents don't use
00:31:22.519 --> 00:32:43.720
I do a lot of social media. I'm getting more and more into doing reels and shorts on YouTube, Tiktok, Facebook, Instagram. I'm even jumping over to Pinterest and doing things on Pinterest. I've been listening to a lot of Gary Vee and a lot of Dustin Brahm and, you know, other agents, Simon Sinek. And just learning from those who are successful, especially Gary Vee, he's got a lot of good points on social media. And getting out there, I told when I hired in Carpenter, I told them, I say, I won't focus on social media. I don't like doing the whole cold calling. I'd rather just get in front of people. And then I hear everybody say, Well, I don't like doing cameras. I don't feel comfortable doing cameras. And I asked my how you got doing open houses, like, Well, those are okay I go. But wasn't you nervous the very first time you did it, and the second time and the third time goes well, you have, how many have you done now? Well, quite a bit. How you feeling now? Well, I'm very comfortable. That's the same thing with doing videos and doing this. I mean, you even touched on that a little bit earlier, right? When you did your first one, you just thought it was horrific. Now, you're awesome. I mean, you're doing a great job, and it's just you're we're comfortable with it, right? It's like anything else.
00:32:41.019 --> 00:33:14.579
The more you do it, the more comfortable you get, and more fun you start, you start getting goofy. You start having some fun with us, telling them dumb dad jokes or, you know, making up words and just having a great time. So make it fun. Do social media. I do videos. I'm not doing as many as I want to, but I'm getting to that point. My open houses, I try to keep them fun, keep them enlightened. I don't do anything extravagant, Adam, but I try to keep it a good experience for people coming in. So those are two things I focus on. I know you asked me about one, but open houses and doing videos well,
00:33:15.599 --> 00:33:28.579
and I think that's awesome. And I was wanted to touch on your social media, but before we do that. And I'm kind of putting you on your spot here, so you may say, Listen, I don't gotta do that right now.
00:33:25.160 --> 00:33:38.180
But can you tell us either a dumb dad joke or any joke? Do you have anything in your repertoire that you can just because people need to know how good you are at it, you're you're how funny are? Yeah,
00:33:38.180 --> 00:33:42.339
I'll give you one.
00:33:38.180 --> 00:33:42.339
So I went, I went out to see Mr.
00:33:42.339 --> 00:34:05.700
Farmer last week. He wanted to sell off some of his ground. He had 20 acres. He just wanted to get out. He wasn't doing no good. And we're sitting there looking at his cows, and I asked him, I go, how come we got bells on those cows? And he looks at me square in the face as serious he could go. He goes, sir, that's because their horns don't work. So there's your bear shuffle of the day.
00:34:06.059 --> 00:34:17.219
But that's pretty good. I gotta say that's, that's pretty good. You know, you know what my probably me telling jokes is, I get all the way to the punchline. I can't I forget it. And, no, that's not funny.
00:34:17.280 --> 00:34:25.699
Yeah, it is. It is, really, I do the same thing. And I thought, you already screw that one up. I nailed it. So nailed it,
00:34:25.699 --> 00:34:46.719
yeah, you nailed it, yeah. I know I heard on, I think it was on Bob and Tom. I heard him tell a joke. It was for Halloween, and it was a scarecrow walked in, walked into a bar, and he said, Give me, give me a beer and a mop. Now, I think that's hilarious.
00:34:41.559 --> 00:34:47.500
Everybody I tell it to looks at me like you did.
00:34:47.980 --> 00:34:50.679
That's funny. I think it's hilarious. That is hilarious. I
00:34:50.679 --> 00:34:53.199
mean, I get it right, makes total sense to me.
00:34:53.918 --> 00:35:02.039
So social media one of the things you touched on social media, but you really do some.
00:34:57.278 --> 00:35:02.039
Unique things on social media.
00:35:03.059 --> 00:35:31.039
I do, I am I'll do some scenarios like I'm talking on the phone to another agent, and what I'm trying to do is educate. And I do, I did a couple about the debt to income ratio, how we were getting ready to close, and this, and most of these are really things that have happened. Was here to go close. We had a closing in 24 hours, and got a phone call from the agent said, hey, they just lost their debt to income ratio.
00:35:31.159 --> 00:36:02.039
And I'll let you explain what that means here. Okay, and so I'm like, crap. What we do? It's like, well, it's not gonna get cleaned up, because he really did something bad and he went out, or this particular buyer, went out and purchased a new car and some and some furniture for the house, and it just knocked him below his debt to income ratio. So I do them on that, and sometimes I'll do them on home inspections. And, you know, try and make them, some of them fun, some of them not so much fun.
00:36:02.039 --> 00:36:22.940
And then I'll do, I got one series I'm doing now where I'm going to my grandson's baseball games, and it's called spitting seeds through a fence. And I'm trying out different sunflower seeds, and I'll promote that sunflower seed. And we're spitting seeds through a fence at the ball games, you know. And a lot of travel parents know what that means, and it's fun.
00:36:23.780 --> 00:36:32.000
And I do, I do some with some other agents, so I try to keep a variety and keep them fun. And some of them are informational, yeah.
00:36:32.059 --> 00:36:56.380
Well, I remember, I remember several, but the one I one of my remember is you did one, and you were at your car, and you, you were gonna give something for the first 20 people who posted at your car with the sign that you had in the back of the car, that I thought that was, you know, a really brilliant way. Yeah,
00:36:56.440 --> 00:37:09.000
I am. I was promoting, uh, Hoosier, Hoosier coffee, which was it is a veterans own coffee company out of Brownsburg, okay? And I know there's the guys who own that.
00:37:09.000 --> 00:37:44.079
They are veterans. They all served over in Iraq and Afghanistan during all the wars that we've been over there from 91 until today. And they started up Hoosier coffee. It is a it's just two veterans that started up out of Brownsburg, and their coffee is really good. And I was like, well, I won't help you guys out, and I will try to get people come. And we had a couple people show up. It was pretty good. I gained a couple good friends out of that, and I helped a couple people buy some homes from doing that. And it was productive. It was fun doing it. I had a lot of people stopping and talking and stuff like that, but
00:37:44.139 --> 00:37:45.760
I know how you are.
00:37:44.139 --> 00:38:06.360
It's really not about you getting customers out of it. You cared about the veterans and promoting their business so that they you're helping them succeed 100% Yeah, it's what I try to do, and this in the podcast is I'm just trying to help others succeed. And I think it's important that clients hear great people that they can then work with.
00:38:06.480 --> 00:38:13.079
Yes, I, you know, the veterans, I got a special place in my heart for veterans.
00:38:09.360 --> 00:38:32.480
And you know, I was honored enough to get to do the honor flight with a good friend of mine who was in a Vietnam era, okay, and we got to go out to Washington, DC for the day and come back home. Yeah, the Honor Flight is just something special. And I know we weren't planning on discussing this, but we brought the veterans up. The veterans are very special to me.
00:38:27.980 --> 00:38:50.139
You know, for anyone to give up their their their lives, for me to be able to do a podcast with Rick rip is very, you know, I can't, can't think the families enough and and pray for them enough to go through all of that.
00:38:50.559 --> 00:39:13.800
Yeah, it, it's one of the things I think that that you have is your, there's a lot, but you're, you're grateful. I think that's an extremely important piece of somebody, to be grateful for what they have, and to realize it's, you know, none of us are where we are because of only us.
00:39:14.280 --> 00:39:18.059
No Right? No. We got to have, we got to have help get where we're going. Got to
00:39:18.539 --> 00:39:26.900
and some of them, we didn't. We never met the person who who went to war for us. No, right? Most of the time, no. So
00:39:27.559 --> 00:40:55.780
you know the, and I don't want to get on a tangent with this, but the Vietnam vets are the ones that really have my heart. I have family members that went to Vietnam, and I watched their lives as I was growing up, and what they was going through. And, you know, every time I meet someone who served her in Vietnam, I always welcome them home, and I get some funny Felix on that, and I'm like, You never got that before, and I want you to know I'm I'm glad you're here. I'm glad you made it home, and I'm thankful for everything that you did in a conflict that really wasn't ours, but you. Over, and you did what you could to make sure that we were safe and that we had our freedoms, and other people could have freedoms. And you know, for that, Sir, I want to make sure, ma'am, that you're you're thanked, and that you know that we're not, at least you're welcomed home. Yeah. So yeah. Now, do you work with a lot of veterans? And yes, I do, yeah, I do. I do help several, probably about 30, 35% of my of my bases with veterans. So, you know, sometimes you get to hear the fun stories, and sometimes you get to hear that so fun stories, right? But, yeah, I really enjoy helping them and help them get through their FA or their VA loans, when you know it's just VA loans are interesting. Yeah, you know, but you know, I'm glad. I'm glad we have that to offer to them. And I'm, I'm excited. I always get excited when they tell me they're a veteran, and it just means a lot. Yeah,
00:40:56.440 --> 00:41:29.059
yeah. I think on the on the VA loans, my, my problem with the VA loan is, is it makes it hard for the veteran to get an app, to get a offer, you know, accepted and and they need, you know, I know they're trying to protect their veteran, but you're keeping them from being able to get a house, especially in the market we've been in, if somebody gets five offers, and one of them is VA, from what I've seen, they don't even consider the VA offer.
00:41:29.239 --> 00:41:32.179
Yeah, that's a shame. That's a travesty.
00:41:32.179 --> 00:41:37.219
It is a travesty.
00:41:32.179 --> 00:41:41.860
It's it is absolutely I understand why somebody would do that. I wish it wasn't that way.
00:41:41.860 --> 00:41:59.679
And I wish VA would change it so they didn't put the veteran and put the person in that that shape, because most of them, they would like to take the VA loan. They are the VA, but they can't have the they don't feel like they can accept the risk of that loan not closing because of the requirements VA has,
00:41:59.739 --> 00:42:06.239
right? And you know that's that's really sad, but I understand as well. Mom will give you a happy story on this.
00:42:06.239 --> 00:43:14.219
Okay, last year, I had a client, I had a buyer, and they had a good offer, and we were going, we put this good offer in on a home, and the Miss seller was a veteran himself and our offer was higher than the other offer, and the seller declined our offer and took the other offer because it was a VA loan. So I had no problem with that. I had no problem with that at all, because, you know, he and he took, he took care of the VA, he understood what was going to happen. And I think every agent, and we're supposed to, by law, but they have to show him and explain to the seller, right, what's going on. And Mel, when, when the agent called, said, look, it's a VA loan. And this guy's a VA, you know, he's a veteran, and he wants to help out his brother. I was like, I got no problem with that. And we went the next day and put an offer on a house, and they got it again. There's houses out there, and we'll find a home, Yep, yeah.
00:43:14.219 --> 00:43:17.639
And that that's, that is absolutely a fact.
00:43:18.119 --> 00:43:20.840
There's plenty of houses out there, and you will find one.
00:43:21.260 --> 00:43:42.940
Just keep, you know, you just have to keep at it. But we had, I had a customer who actually called in from one of the podcasts and and she was a veteran, and she was, she was 60, mid 60s, never owned a home before. Oh, wow. Didn't think she could lived in a trailer.
00:43:39.320 --> 00:44:01.000
The trailer didn't have hot water running, and we qualified her, and she was able to go get a house. And it's, it's like, that's, that's so fulfilling, you know? It's really, you just, it's like, I'll do that all day long for nothing. You know, I don't that's, there's nothing about what you're going to earn or anything else you just want to take care of that person.
00:43:59.800 --> 00:44:01.000
They
00:44:01.000 --> 00:44:02.639
deserve it. Yeah, exactly, exactly. That's why.
00:44:02.639 --> 00:45:07.019
That's one reason why I got into real estate is because I wanted to be that one that people could believe that is not out there to just worry about the commission, yeah, that they're going to do what they can do to help get them into that house. I can't tell you how many times I went and actually done the repair work to help get the thing processed through. And I work hand in hand with the sellers or the buyers agents, and let them know my background, and they get comfortable with it, and they go see the work and like, holy crap. That's better than what we want to hire someone else. So I go, that's because I care and I want, I want these people to enjoy this home buyer or seller, and that's, that's one thing I talked to the other agents about. So okay, we got the negotiation down. Now you and I, I don't care that we're on different brokerages. We're a team now, and we need to work together on getting this to the closing table to help your sellers to be able to get a new chapter in life. And for my for the buyers, just get in. Home that they deserve and start a new chapter in their lives. And that's our goal, is to help those two make it to the end.
00:45:07.139 --> 00:45:21.559
Yeah, and that's, that's, it's just one of those things that we're all in it once, once you have a purchase agreement, it's your lenders in it, right? Both agents are in it, title companies in it.
00:45:18.239 --> 00:45:30.199
Everybody involved that it's everybody involved is now part of that deal. And you see, again, you're grateful, you're appreciative, you you get that.
00:45:30.380 --> 00:45:34.880
And that's, I think that's a that's a big deal. You know?
00:45:34.940 --> 00:45:49.719
What would you say? Maybe the golden rule of negotiating, because negotiating is a big deal and it can be kind of confrontational. Well, is there any golden rule you have with negotiating?
00:45:50.500 --> 00:46:25.699
No, just keep it clean and keep it factual. You know, usually my I haven't really had a tough negotiation yet. I know that kind of seems weird, but, you know, I let the buyer or the seller who I'm representing understand they're going to come in with this offer. It's going to seem kind of below, but you know, they got to start somewhere, and you got to start somewhere, so we just got to find that happy ground of where everything's at. And generally, I have not had anybody thrown back. Well, this house is the, oh, you know what?
00:46:25.699 --> 00:46:36.079
I did have that happen. I had a listing that we went like, just closed this week. The lady lives in the neighborhood. She was buying it for her, she's gonna let her mom live in her house.
00:46:36.079 --> 00:47:39.860
And they offered quite a bit lower and then she was nitpicking the house. And, you know, the house just got on the market, and I just said, simply, I said, Look, we're new. We're just now in the market today, and other houses in this neighborhood are going for the same amount, and they try to throw out. Well, those houses have this, this, this. I was like, this house only has one small defect on it. You know, you're talking cabinets. They can change cabinets out. They're gonna live in it for years. This neighborhood's value raises every year. I go, No, we're gonna hold off. And the very next day, we got a full price offer. So it's just about being patient and explaining to the other agents in a respectful way that this is why we're offering it this way. This is why we have it. And, you know, the negotiations, if I think I'm coming in low when I'm offering I will go find comps and send those comps and say this is where we're getting our value at, and show it that way, that way. They don't think I'm just coming in a low ball for no reason, right?
00:47:39.980 --> 00:48:52.780
Yeah, and that's that's important, because you got to be on the same page communications, obviously very important to you too. You make sure you communicate real quick, because we're running out of time. But I wanted to say, I think one of the big, one of the things that really helps and sets you apart is your knowledge of construction and and maintenance and all that. It just matters to somebody, because most of us don't have that right? And I think my my niece, is a real estate agent in North Carolina, and she, and she's, she said she didn't know anything about it, so she had guys take her, you know, the she'd go out in the inspectors, and they would show her, you know, they, she not. This is not this is not something I would do. You probably would do this, but I'm not crawling in the crawl space. I've done it before. I never want to go back in another crawl space. But she crawled in the crawl spaces, right? Because she wanted to learn, yeah, and that's, that's, you don't have to, you can't you're gonna crawl because you know, you know what you're looking at. I would have no idea. So what good is it for me to get in the crawl space anyway, right? That's my excuse right there, right? But if somebody wants to get a hold of you, and they want to work with Chuck, they want to buy, sell, just talk maybe. Are you hiring people, any, anything like that?
00:48:52.780 --> 00:48:55.900
Are you? Are you? Are you building a team? No,
00:48:55.900 --> 00:49:15.780
I'm not building a team right now. But I do want to promote exp. I do want to try to bring on some more client agents over to exp, if you got any questions about why I moved over and from carpenter over. Exp, I'd be more than happy to sit down with you and go over that.
00:49:12.539 --> 00:49:27.139
I do have the spreadsheets on why I did that and why it's a better fit for me and how it could be a better fit for you, I would love to help other agents learn more about exp so they can make a decision on their own.
00:49:27.320 --> 00:50:09.840
There's so many people out there that bash other companies. I don't understand why they do, but you know, if you want to learn more about exp, please give me a call at 317-698-3339, or text me and I'd be more than happy to go over why I went EXP and how it could benefit you over their exp. And you know, exp is not like for everybody, just like all the other companies around are not for everybody. You have to find your fit and what you what you love to do and who you would like to work with. But, yeah. Feel free to give me a call. 317-698-3339, and I'll be more than happy to work with you on learning more about exp awesome,
00:50:10.199 --> 00:50:17.699
or to buy a house or something, or buy a house or sell your house. Yeah, at all. I can do it all, and you can help them with their their social media. You're great at social media. And one
00:50:17.699 --> 00:50:57.639
more thing, if you want to learn more about buildings and building structures. Rick just hit the nail on the head. If you're new to real estate and you don't understand homes and stuff like that, get with your home inspectors and go over to a hardware store somewhere, they have full body suits that you put on, like coveralls that are disposable or non disposable, and have those in your car, and you can cover up your nice clothes and everything. And don't be afraid to go underneath the house or go with the inspector and ask the inspectors questions, because they really want to help you as well, and get to learn to build it, because that's going to help you in the end of gaining more clients. Yeah,
00:50:57.760 --> 00:51:28.280
it makes, I think it makes a world of difference. And to get a hold of me, go to hardworking mortgage guy.com that's hardworking mortgage guy.com or you give me a call at 463-223-9592, I know you're thinking, How come you can't remember that number? But I can't, 463-223-9592, maybe I can. I'm just afraid I'm gonna say it wrong and Chuck, thanks so much for joining me. I appreciate it. You're an awesome agent, but it more important to that you're you're an awesome person. I You're just a great person. I appreciate it.
00:51:28.340 --> 00:51:31.760
Thank you very much, sir. Appreciate doing this with you. Ranch. NMLS number
00:51:31.760 --> 00:51:35.360
33041, recruitment.
00:51:31.760 --> 00:51:35.360
Mmls number 664, 589,
00:51:35.719 --> 00:51:40.639
Arnold NMLS number 1995469, equal housing opportunity. Some restrictions apply.
