Takeaways

David Slettvold is on a journey to become a mortgage loan originator.
BrokerX is a valuable program for aspiring loan officers.
Personal growth and work ethic are crucial in the mortgage industry.
Servant leadership is essential for building a successful business.
Gen Z faces significant challenges in home ownership affordability.
Networking and building relationships are key to success in the industry.
The importance of kindness and genuine interactions in business.
Setting realistic goals is vital for personal and professional growth.
David aims to help 20 families achieve home ownership in his first year.
The conversation emphasizes the need for mentorship and support in career development.

Sound Bites

"I want to work for you guys."
"Lead with kindness. Be kind to others."
"You're going to be rookie of the year."

In this episode, Ryan, Brian, and special guest Chris Butler discuss the exciting expansion of their mortgage team and the innovative strategies they are implementing to enhance their services. They delve into the role of AI in streamlining processes, the importance of building relationships in the mortgage industry, and how leveraging home equity can provide financial relief for clients struggling with credit card debt. The conversation also touches on market trends and predictions for 2025, emphasizing the significance of collaboration and the potential for growth in the mortgage sector.

Takeaways

Chris Butler joins the All In Mortgage Brokers team as a third owner.
The importance of teamwork and shared vision in business growth.
AI is a crucial tool for scaling mortgage solutions.
Maintaining a personal touch in client interactions is essential.
Building long-term relationships with clients leads to success.
The 'hand that feeds you' concept emphasizes database management.
New programs are being developed to help clients manage credit card debt.
Leveraging home equity can provide financial freedom for homeowners.
The mortgage industry is evolving, and collaboration is key to success.
2025 holds promising opportunities for growth in the mortgage market.

Titles

All In with Chris Butler: Team Expansion and AI Innovations
Revolutionizing Mortgages: The Role of AI and Teamwork

Sound Bites

"AI is coming, it's here already."
"Your house is a bank."
"We're going to crush it in 2025."

Chapters

00:00 Introduction and Team Expansion
06:44 Building Relationships in the Mortgage Industry
12:36 Leveraging Home Equity for Financial Freedom
18:41 The Importance of Collaboration
24:50 Conclusion and Future Outlook

In this episode, Ryan and Bryon discuss the exciting transition to their new podcast studio, the evolution of their content strategy, and the importance of attracting the right talent. They delve into the impact of technology and AI on the mortgage industry, highlighting the shift towards a more collaborative and innovative approach. The conversation emphasizes the potential of AI in training and content creation, as well as the opportunities for real estate agents to leverage their studio for growth.

Takeaways

The new studio represents a fresh start and improved quality.
Content creation will expand to include various platforms like YouTube and TikTok.
Attracting the right talent is crucial for business growth.
AI and technology are transforming the mortgage industry.
Collaboration and synergy are key to success.
The wholesale mortgage market is gaining significant market share.
Investing in technology is essential for staying competitive.
AI can enhance training and onboarding processes.
Creating viral content is a focus for the podcast.
The studio is open for collaboration with real estate agents.

Titles

Welcome to the New Era of Podcasting
Unveiling Our New Studio

Where have we been?
Bryon had to step away for family.  Ryan and Bryon also have transitioned to a new broker partner and we are excited for the opportunities ahead with Barrett Financial Group.

Transitions
Ryan and Bryon have an opportunity to help people in 49 of the 50 states with Barrett Financial.  Shout out to Home Trust Financial for helping us get into the broker channel and mentoring us.  We will be eternally grateful and we are encouraged that we will continue to collaborate at an industry level so we can all get better.  Thanks for warm welcome Barrett Financial.  We are excited for the opportunities ahead and ready to implement our growth model with you.

A Look ahead
There are a lot of new and exciting partnerships forming and as we develop our vision and there are some amazing opportunities on the horizon for loan officers looking for huge growth opportunities to join our team. We also have some amazing things being put into place for real estate partners that will help them thrive in our market.  Bond market is swinging in a positive direction so people need to take advantage of lower rates to consolidate debt, refinance into a lower rate and if you are a buyer sitting on the fence – don’t wait!  Get in now!

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels! 

Thanks again for tuning in! It’s another great day!

Lizzie May's current home, which she loves dearly, has undergone significant renovations. She has installed new flooring, painted the interior, and landscaped the backyard, transforming it into a comfortable and inviting space. Her plans for the future include continued investments in the home, as she views it as a long-term asset that will contribute to her retirement security.

Gig Harbor, Lizzie May's chosen community, has become a cherished part of her life. She appreciates its friendly atmosphere, walkability, and excellent schools. While the area has undergone changes over time, including increased development, Lizzie May remains committed to her home and the community she loves.

Key Takeaways
Homeownership as an Investment: Lizzie May emphasizes the financial benefits of owning a home, highlighting how it can serve as a valuable asset for retirement.

The Importance of Finding the Right Team: She stresses the importance of having a reliable team of professionals, including agents and lenders, who can guide you through the home buying process.

Negotiating for the Best Deal: Lizzie May shares her experiences with negotiating offers and securing favorable terms, especially in challenging market conditions.

Consider Long-Term Plans: When purchasing a home, it's essential to think about your future goals and how the property aligns with your lifestyle and needs.

Community Matters: Lizzie May highlights the significance of choosing a community that aligns with your values and preferences, as it can significantly impact your overall quality of life.

Be Prepared to Invest Time and Effort: Homeownership requires ongoing maintenance and upkeep. Lizzie May shares her experiences with renovations and improvements she has made to her properties.

Key points from the conversation:
Pricing is crucial: Sellers should price their homes realistically to attract buyers.
Local expertise matters: Buyers should work with agents who are familiar with the area.
Communication is key: Effective communication between buyers, sellers, agents, and lenders is essential for a smooth transaction.
Unexpected situations: Issues like home inspection findings or buyers backing out can arise. Agents should be prepared to handle them professionally.

First-time home buyers:
Neil offers advice to first-time buyers, including the importance of understanding FHA and VA loan programs.
Staying motivated: Neil shares how he stays motivated and passionate about his work.
Ideal client: Neil expresses a preference for working with waterfront properties.

Other notable topics:
Neil's experiences in the real estate industry, including a funny anecdote about a "naked lawnmowing guy."
His advice on staying in touch with clients after closing.
His recommendation for a local radio station, 94.1.

Overall, the episode provides valuable insights for anyone considering buying or selling a home.

Some of the topics we will touch on in this episode:
•        Does Mindset Matter?
•        Two types of mindset: fixed and growth
•        How do you transform into a growth mindset?
•        Importance of self care

Does Mindset Matter?
Mindset is a set of beliefs that shape how you make sense of the world and yourself.  It influences how you behave, think and feel in a situation.  What you believe about yourself will impact your success or failure.

Fixed and Growth mindsets
Fixed you believe that your abilities and traits cannot change.  A growth mindset is the opposite, talents and abilities can through effort and persistence be developed over time.

Transforming into a growth mindset
Focus on the journey.  Incorporate “yet” into your vocabulary.  You may not master something but by using yet it implies it is possible.  Pay attention to words and thoughts.  Put positive thoughts into your mind.  Take on challenges.  We learn from mistakes and get better.  As we mentioned in our Go for No episode – fail faster to find success quicker.

Important of Self Care
Often times we are wired to have a limiting belief system or negative self talk.  By caring for yourself and putting in the work you can transform into a growth mindset and overcome our social programing of a fixed mindset.

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels! 

Thanks again for tuning in! It’s another great day!

Some of the topics we will touch on in this episode:
•        What causes interest rates to go up or down?
•        How does inflation affect rates?
•        What is currently going on with inflation?
•        What is our take on inflation and future of rates?

What causes interest rates to go up or down?
Mortgage rates are tied to the mortgage backed securities bond market.  Investors move their money into bonds to protect the value of their dollar.  In an inflationary environment, dollar is stronger and as a result investors sell their bonds or mortgagage backed securities in favor of higher return investments like CD’s.  When the 30 year MBS goes down, rates go up. 

How does inflation affect rates?
Inflation means more dollars competing for less goods so demand is higher than supply which cause the cost of something to go up.  In this case investors have opportunities for bigger returns in different investment vehicles other than mortgage backed securities so they unload their positions causing the bond market to fall which inversely causes rates to go up.

What is currently going on with inflation?
We have higher energy costs, shelter costs and vehicle insurance costs whichare the three main drivers of inflation right now.  Until the Fed sees inflation stabilize at no more than 2% we will continue to see them hold their position to not cut rates.  The reality is inflation is likely to remain stubborn and we have less than a 47% chance of a rate cut by July.

What is currently going on with inflation?
We believe that it will likely take higher unemployment numbers to move the needle with the Fed to cut rates.  While we continue to see unemployment numbers remain low, it is mostly because people are taking on 2nd jobs and part time work to supplement their income.  The jobs data is not really a solid indicator of what is actually happening in the market.  With a likelihood of a global monetary crisis on the horizon we believe unemployment will spike which will force Feds hand to have to cut rates.  Right now the Fed is walking a fine line between trickery and divinity.

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored
Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!

Overview of “Go for No!”
Most people in sales are constantly building their entire prospecting plan around how many sales or yeses they can get.  This book, through some great storytelling, flips this concept on it’s head by instead tracking the No’s.  You learn what it takes to outperform most sales people by embracing this concept. 
What does Go for No mean?
Failing and failure are two different things.  If you think of sales as a numbers game the faster you fail (or get No from a prospective client) the quicker you get to a yes.  If you are embracing the No’s you no longer have a fear of failing and you get through your failures that much quicker. 

Shifting Mindset
The book really articulates well the concept of failing faster to get to yes quicker and thus allows you to scale more.  We often times have a goal of getting so many yeses or sales in a week.  Once you stop at your goal you have created a limiting mindset and you only go as far as the number of yeses you get.  If instead you focus on hitting a goal of No’s with no concern about how many yeses you get, you blow past your goals that much quicker and learn to celebrate failing faster to get better and get to yes quicker.  Ryan and Bryon are going to embrace this mindset and be intentional about failing faster to get to our destination quicker. 

Wrap Up
Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored
Link for our website: www.allinuncensored.com Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch how lips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!

They offer their opinions and provide a unique perspective of how to sift through the sensationalism the media offers and give a realistic assessment of what this all means for home buyers, lending, real estate partners and sellers. 

Please follow Ryan and Bryon at www.allinuncensored.com 

1. Experience with COVID-19
   - The challenges and adjustments faced during the pandemic.
   - Remote work dynamics and their impact on productivity and company culture.

2. Importance of Company Culture
   - Recognizing the significance of maintaining a positive and inclusive company culture, especially in remote work setups.
   - Strategies for fostering teamwork, communication, and employee engagement in virtual environments.

3. Significance of Reading and Personal Growth
   - The value of reading as a means of personal development and expanding one's knowledge base.
   - Recommendations for books and resources that offer insights into business, psychology, and self-improvement.

4. Insights into Gen Z and Millennial Homebuyers
   - Discussion on the preferences and priorities of younger generations when it comes to purchasing homes.
   - Factors such as location, amenities, and sustainability influencing buying decisions among Gen Z and millennials.

5. Upcoming Plans and Events
   - Mention of upcoming events or initiatives within the company or personal projects on the horizon.
   - Opportunities for networking, skill-building, or personal growth in the near future.

These key points provide a comprehensive overview of the topics covered in the conversation.

Also, Bryon is out this week with Covid.

In episode 18, the host Ryan Buys provides a market update, reflecting on the fluctuating speculations and actions of the Federal Reserve (Fed) regarding interest rate cuts amidst concerns over inflation. 

Despite earlier predictions, Fed rate cuts seem postponed possibly until late summer or September, contingent on inflation reaching the desired 2%. The discussion emphasizes that mortgage rates are primarily influenced by mortgage-backed securities rather than the Fed's fund rate or 10-year treasury notes, with inflation and employment being critical factors in determining home buyers loan rates. 

The host reflects on past instances where home buying rates decreased despite Fed inaction, highlighting the complexity of market dynamics. The future trajectory remains uncertain, subject to the Fed's assessment of economic indicators. 

Listeners are encouraged to reach out with questions, underscoring the ongoing market unpredictability.

Some of the topics we will touch on in this episode:
•        Who is Brittany?
•        How did you end up becoming an owner in shared workspace?
•        How did you manifest your vision for a great space with good vibes and office culture?
•        The future of co-working or shared work spaces

Who is Brittany?
Brittany grew up in San Diego and lived there until she was 30 and ended up moving up to Washington in 2015 to be close to her Mom and step Dad since her step Dad was military and got relocated to WA.   Brittany is also a real estate investor and owns a rental property in Arizona.  Her advice to people wanting to buy homes:  make sure you work with a broker who communicates.  Communication is key to help settle the fears of first time home buyers.

How did you end up owning a Shared Workspace company?
Brittany worked in the co-working/shared workspace industry and she met her now business partner/investor “Dexter” who owns multiple commercial buildings around the Puget Sound region and asked Brittany to run with the idea of creating her own shared workspace.  The company and brand is Worksphere.

How did you manifest your vision for a great space with good vibes and office culture?
A lot of thought was put into making sure there is a lot of natural light.  Also getting inspired by a lot of design ideas on pinterest and manifesting that vision for an environment where people show up every day and are excited to be at work.  Also her goal was to be intentional about affordability to really cater to soler proprietors in the personal care and consulting space which has promoted an amazing level of cultural diversity in our shared space.  From Ryan and Bryon’s perspective, Worksphere Tacoma has the vibe and energy that get us excited to come into the office everday and Brittany has created an amazing office culture by manifesting her vision.

Future of Office Space and shared working
We see a lot of headlines about how companies are trying to force workers to come back to work full time.  The reality is a lot of big companies with huge campuses are on the hook for huge monthly leases and covid has forced this shift in what is possible for remote or hybrid work.  Brittany sees a strong future in the shared workspace/co-working environment.  Brittany see her 5 year vision to expand at a regional level into more markets and continue to be an ambassador for her brand.

Check out Brittany’s company at https://www.worksphere.space

Find us on our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Link for our website: https://www.hometrusttacoma.com
Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch show clips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!

Some of the topics we will touch on in this episode:
•        Who is Matt Means?
•        How did you get your start in Real Estate?
•        Thoughts on the Market?
•        Giving Back
•        Q&A Session

Who is Matt Means?
Matt grew up with foster brothers and sisters and always had to help them so he got the nickname Chatty Matty and it stuck.  He has always been working from the perspective of helping others and is a true servant leader.
How did you get your start in Real Estate?
Matt has a 25 plus year background in construction and civil engineering and construction management.  After a long career operating equipment and his body feeling the effects of his work, he decided to transition into real estate.  He got mentored by his Mom and business partner Jo Jensen.  Matt exceled in his first year closing over 20 transactions and never looked back.  His background in construction gives him a unique perspective on the potential of properties and it has really served him and his clients well in helping trouble shoot property potential for his sellers and his buyers.

Thoughts on the Market?
The market is a great time to buy right now.  Inventory is still really low and right now there is not a whole lot of competition for offers on homes.  Matt recommends that if you are a buyer sitting on the fence, act now before the market becomes too competitive again.  You can always refinance later on when rates come back down.

Giving Back
Matt and Jo have created a scholarship fund for people who have been incarcerated and rehabilitated to get a degree at University of WA to be able to be a productive member of society.  One client comes to mind who went from being in the system to getting rehabilitation and help and turning his life around to now serving those who are going through a similar challenge.  He has now been deputized by the state of WA as an advocate for post prison education and placement.  Also Matt has since helped him buy multiple homes so he is growing wealth through real estate investing.

Q&A Session
Matt and his wife Stephanie have a Chessie named Bjorn and a Maltese named Jesus Christ Superstar.  Jesus got out and wears a diaper and Matt was running after his dog yelling “Jesus, where are you?  Has anyone seen Jesus?  He is wearing a diaper!”

Final thoughts
It is a great time to buy real estate and make sure to always get a home inspection so you know what to plan for after you close on your home. 
Check out Matt at www.jojensengroup.com

Link for our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Link for our website: https://www.hometrusttacoma.com

Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch show clips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!

Some of the topics we will touch on in this episode:
•        Getting real with our struggles
•        What we are learning as we go through our struggles and challenges
•        Books that we are reading that are inspiring us
•        Wrap Up

Getting Real with our Struggles
Ryan and Bryon have had an “off” week.  It seems like everything is a struggle this week, fear and doubt have crept into our mindset.  Things just don’t seem to be going our way at the moment.

What are we learning?
The epiphany we have had this week is that these challenging times that make you want to throw in the towel and give up are the moments in which the most growth happens.  Our dedication to our miracle morning routing and reading personal growth and development books has shaped our response to our situation.  What we have learned is that our choice to respond to a tough week and continue to take action and not fall back into poor behavioral patterns is allowing us to cope with the anxiety, stress, self doubts and sometimes depression.  Everyone out there struggles at some point and what a perfect moment to embrace an opportunity for growth!

Books that we have currently read or are reading that inspire us:
For Ryan
“Limitless” by Jim Kwik has really spoken to him.  Some things that he is doing is reading for 20-25 minute blocks and then taking notes on concepts that jump out or speak to him.  Also finding different ways to learn to make it fun (like Audible).  Some of the takeaways:
1.        Don’t take criticism from people you would not take advice from
2.        There is no such thing as failure, only failure to learn
3.        Knowledge is only powerful when you use it in action.  Knowledge plus action equals power.
4.        Learn new ways how to learn.  It can become fun, easier and more enjoyable
5.        Brain food – blueberries, broccoli, dark chocolate, eggs, leafy greens, avocado, turmeric, walnuts and water

For Bryon
“Go For No!” by Richard Fenton and Andrew Waltz has been a game changer for mindset around outbound prospecting calls.  Typically you have a goal of getting so many “yesses” in a week.  If you think about going for a set number of No’s every day and it doesn’t matter how many yesses you get, it’s the no’s that matter.  The concept is by failing faster you hit your goals quicker.  It also speaks to the new book “10x is easier than 2x” by Dan Sullivan.  If you only have a mindset of doubling your growth, you will continue spend 80% of your time on wasteful activities that don’t get you any closer to your goal.  If, however, you think of getting to a level 10 times where you are at, it changes the focus on what you have to do to get to where you want to go and it actually becomes easier. 

Wrap Up
 It has been a rough week.  We wanted to get real about reporting in real time not just our victories and wins, but also our struggles.  Maybe by doing so we can inspire other people to hang in there and keep pushing to get through to the other side.  We are looking forward to upcoming guests…stay tuned!

Final thoughts
Thank you for letting us share our struggles with you and vent. 
Check out our branch's new website:  www.hometrusttacoma.com

You can also follow our branch on our Facebook page at https://www.facebook.com/profile.php?id=61555768936308
Or for our podcast Facebook page to reach out to us with any questions or help you with financing needs to join our rate watch program: https://www.facebook.com/AllInUncensored

You can find us on our website https://www.allinuncensored.com/

Please subscribe to our show which will be available on most media platforms (Spotify, apple, YouTube, iHeart radio, google) and you can catch show clips on our Instagram and YouTube channels! 
Thanks again for tuning in! It’s another great day!

Some of the topics we will touch on in this episode:
•        Home Trust Tacoma Announcement
•        Journey to get to where we are at
•        Loans we have been doing.
•        A look ahead to our Vision for Home Trust Tacoma
•        Wrap Up

Home Trust Tacoma Announcement
After a year of being in the wholesale/broker channel we have gone from just wanting better options for our clients to daring to dream big.  It is official!  We are now branch owners/affiliates of Adcom Group Inc (Home Trust Financial).  Our Tacoma branch went live Feb. 1!
Journey to get to where we are now.

We started out just being happy that we had better rate offerings and saving our clients’ money to daring to dream of owning our own branch.  We initially thought we were 18-24 months away from realizing that vision.  However, by surrounding ourselves with successful people and people speaking life and vision into us, we went from a thought to an idea to a goal to an action plan.  A lot of our past episodes we alluded to our 90-day massive action plans.  This is the fruit of those labors.  We worked long hours, put in time on weekends and really took our time to develop our vision and turn it into a plan with actionable steps to get there. 

Loan We Have to offer (examples of people we have helped)
A lot of what we do is help buyers get into a home.  We really excel at helping people who have served or are currently serving in our armed forces.  There is a special place in our heart for Veterans or Active-Duty Military members.  We have some amazing products to help them.
We of course do the normal conventional and FHA financing with low down payment options.  Since we have such a wide array of investors, we work with we have a huge product offering to meet the needs of a wide range of scenarios.

Recently we have been helping a number of people refinance their loans to reduce their monthly payments and/or pull money out of their home to consolidate debt and reduce their overall monthly outflow of cash.
 
Investors are another big demographic.  We are currently helping custom home builders fund projects, helping investors purchase investment properties with minimal documentation, helping people find properties with our realtor partners for adult family home conversions and the list goes on.  We have such a tremendous arsenal of products to help our investor community. 

A Look ahead!
We will be working on refining our systems and processes to ensure the highest level of customer service.  We will also be onboarding loan officers to our team this year with plans of developing branches in other cities and locations.  On our radar: Vancouver, WA, Tucson, AZ, Austin, TX, San Diego, CA.  Of course the creation of digital content with forward thinking mindset of staying involved with our community with events like Swing for a Soldier.

Wrap Up
 We encourage anyone listening to this show to develop their vision into a plan and then working on a 90-day massive action plan to time block action items to achieve your goals and vision.  What we have learned is that there are times it feels like we are trying to sprint through quicksand in a pair of oversized rubber boots, but you just have to keep grinding and reinforcing your vision so you continue to move in the right direction.  Slow is smooth and smooth is fast.

Final thoughts
We are so excited to share the opening of our branch with you, our audience.  As we continue with next phase of creating a world class website with amazing content to educate people in the home buying process (primary or investment) we are excited to share this journey with you. 

Check out our new website:  https://www.hometrusttacoma.com
You can Follow Home Trust Loans on Facebook at https://www.facebook.com/profile.php?id=61555768936308

Or for our podcast Facebook page to reach out to us with any questions or help you with financing needs to join our rate watch program: https://www.facebook.com/AllInUncensored

You can listen to every episode us on our All In Uncensored website at https://www.allinuncensored.com/

Please subscribe to our show which will be available on most media platforms (Spotify, apple, YouTube, iHeart radio, google) and you can catch show clips on our Instagram and YouTube channels! Thanks again for tuning in! It’s another great day!

Some of the topics we will touch on in this episode:
•        Who is James Upchruch?
•        Work History
•        Current projects
•        Ideal Home Build
•        Tips for buyers wanting to find land to build on

Who is James Upchruch
James was born in Tacoma, WA and graduated with a degree in Business from the University of Washington.  Go Huskies!  He first met Ryan 18 years ago at his wedding.  Ryan was invited by James’ father in-law.

Work History
James got his start selling T-shirts out of his fraternity with his business partner at the time.  That grew and scaled into a national branding company where his biggest account was Alaska Airlines.  His company had over 200 employees and warehouses all over the United States and grew his company into a $55 million per year company.  In 2019 James decided to completely change gears and follow his passions for construction and got into home remodels and spec builds.  Him and his business partner own Contour Construction Group.

Current Projects
Currently he has a few custom spec home builds going on and they are also breaking ground on a multifamily project in Kitsap county.  They also have some upcoming short plat projects for entry level spec home builds.

Ideal Home Build?
James has shared with us that his ideal home build is the entry level spec home projects.  What he likes about these projects is the predictability of the timelines and costs and the scalability of these projects.  It’s not that they are necessarily easier but it allows him and his partner to get into a work flow state where he feels he is optimizing his time to help more people.

Tips for Buyers wanting to find land to build on
Be prepared for it to cost a lot more than you think.  Acquiring land is just the beginning.  Before you even break ground there is the geotechnical engineering reports, environmental studies and design work that all have to go into a project before you even break ground and once that is done then you have to go through the permitting process with your local municipality.  Dealing with county inspectors can be a challenge and that is where being kind to people really pays off.  It is a lot easier to attract flies with honey than it is vinegar.

Final thoughts
James is a lover of people and truly leads with a servant’s heart in his business.  What James has found is if you are kind to people and be a good listener, you are really able to help them and have a positive impact in their lives.  Homeowner’s going through a custom home build run the gambit of emotions and by being a good listener and being kind to them as well as his subcontractors, he has learned that he and his team are able to have a positive and lasting impact on the communities in which they build. 

Link for our Facebook page to reach out to us with any questions or help you with financing needs to join our rate watch program: https://www.facebook.com/AllInUncensored

Or you can find us on our website at https://www.allinuncensored.com/
Also, please subscribe to our show which will be available on most media platforms (Spotify, apple, YouTube, iHeart radio, google) and you can catch show clips on our Instagram and YouTube channels! Thanks again for tuning in! It’s another great day!

Some of the topics we will touch on in this episode:
•        Who is Aaron Paker?
•        Trinity Approach to Life and Work
•        Mental Health and the importance of normalizing conversations around that
•        Finding Balance in business between worth and generosity
•        Having a vision and doing what it takes to get there

Who is Aaron Paker
Aaron is a father, husband, friend, Christian, trusted advisor, attorney, and mental health awareness ambassador.
Aaron met Bryon at orientation before Freshman year in college at the University of Puget Sound in Tacoma (Go Loggers!).  We became fast friends with our small group of friends and have been friends ever since.
Aaron has a background in education (worked with small children and disadvantaged youth and transitioned over to elder care law and reinvented himself)

Now he is a partner at Life Point Law in Federal Way, WA
Trinity Approach to Life and Work
1. Love Everyone – he grew up with mental health issues and it was only after failed attempts to take his own life did he realize that he is a people person and is deserving of love and so are others.  Love is the pillar of who Aaron Paker is. If you treat people with love and respect it creates a butterfly effect where they go home to their loved ones and continue to spread that love that they got from you and it has a ripple effect.  Be the change you want to see in others.
2. Giver’s Gain – this concept came out of his BNI group whereby you give to others (referrals, help, business) and putting this good energy out into the universe rewards you with abundance.  It is like dropping a pebble in the pond and the ripple effect is amazing.
3. Ubuntu – we are all part of a greater whole.  I am me, You are you and We are we.

Mental Health
Why is mental health a stigma? We were taught that mental health is something that you shouldn’t talk about.
How do we normalize conversations around that?  Being transparent with others and being willing to share our truths around that.  So often we are taught to hide that part of ourselves but by doing so that alienates us from a community of people who can help us.  By communicating and sharing his mental illness with not only your family and friends but your employer that will help them be able to better help you in your time of need and provide a better understanding of who you are.  Look for the helpers!

Balance in Business (Balance of Worth and Generosity)
How do you remain generous in your trade but also make sure to put enough worth and value on your time to make a living?  Aaron’s boss Rajiv taught him that by discounting his worth for the value he provides he is indirectly cutting himself off from being able to help more people.  If clients who have means can afford to pay you what you are worth and you don’t discount your value, then that frees you up to be able to do pro bono work for those that don’t have the resources who also need your help.  Again it speaks to the ubuntu philosophy of We are We.

Vision and going after Dreams
While some may look at his mental illness as a disadvantage, Aaron was able to use his mental illness to his gain.  His ADHD and OCD allowed him to accelerate his learning, stay at a high performance for longer periods of time and ultimately was his secret weapon in passing the bar on his first try and graduating at the top of his class. 

Final thoughts
Aaron has reminded us that leading with a servant’s heart and implementing servant leadership and loving on people where they are at without judgement is a great philosophy to spread love in the world and also provide help to those that need it.  Check out the link here for Aaron’s business website https://lifepointlaw.com/aaron-paker/ You can find his book for sale on his site.
Link for our Facebook page to reach out to us with any questions or help you with financing needs to join our rate watch program: https://www.facebook.com/AllInUncensored

Or you can find us on our website at https://www.allinuncensored.com/
Also, please subscribe to our show which will be available on most media platforms (Spotify, apple, YouTube, iHeart radio, google) and you can catch show clips on our Instagram and YouTube channels! Thanks again for tuning in! It’s another great day!

Some of the topics we will touch on in this episode:
•        What are Goals?
•        Ryan and Bryon’s goals both career and personal 
•        Accountability

What are Goals?
Goals really in their truest essence start out as dreams.
Dreams then become a vision of what you want your life to be like.
How do you manifest your dreams/vision?  Set goals to work toward that vision and define your Why/Purpose.
Goals are the milestones that mark your journey. 

Ryan and Bryon’s personal goals for 2024
We have some BHAGs for 2024 (Big Hairy Audacious Goals) – shout out to Sean Lee!

1.  Record a Weekly Podcast show – so far so good!  We just achieved a milestone on our podcast publishing site – 11 consecutive weeks of shows and we are now reaching people in 2 countries!
2.  Become branch owners by opening our first branch!  - update: we are at the finish line!  A lot of work and steps to get here between attorney, CPA, bookkeeper, Home Office, licensing, etc.  We started this process in October and now here we are!  We are about to go live and operating in 8 states!
3.  As a branch our goals is to help over 500 families with home loans.  A lot of people put dollar amounts on their goals but that is not the energy we are choosing to put out into the universe.  One of foundational principles we are building our business on is servant leadership.  We are here to serve and to help others. 
4.  For each family we help, give back to community!  We have some big goals for 2024 around this: Bring our podcast show on the road to promote charitable organizations and events we work with and to bring awareness to those causes.
5.  At personal level:
       a.  Bryon:  Stay consistent with 5 am Miracle Morning routine.  As of today, the 18th I
               am 10 days of doing it.  Also being transparent, have not been a good steward of
               my health and now I am committed to change.  The levels we are trying to achieve
               with our business is not possible without good health and good daily habits.
       b.  Ryan:  stay consistent with 5 am Miracle Morning.  As of this recording 4 days in. 
               Help educate clients to make sure they are doing the right thing and making good
               sound financial decisions around homeownership.  Sometimes the right thing is to
               NOT buy a house right now.  Focusing on “Why” which is to help people and spread
               positivity.  Both of us read 52 books this year.

Accountability
Goals are great but how to you convert goals into lasting change?  Accountability!  Having other people in your trusted circle to help encourage you to keep going is important.  Also, taking goals and breaking down into actionable steps every day and then time blocking those steps.  Your calendar and time blocking are your road map to hit your milestones (goals), so you are able to get to your destination (dreams).  The most important thing we have learned as we are now almost a year into our process is that in order to hit your milestones and goals you have to define your “Why” or Purpose.  Also finding joy in the process is critical.  Ultimately, it’s not about your destination or achievements, it is about the journey you take to get there.

Final thoughts
Goal setting is a great exercise but often times people fail to achieve anything meaningful around goals because they fail to really figure out their “Why” and “Purpose”.  Those strong emotional anchor points help you to grind hard when the adrenaline rush of motivation wears off.  Taking action every day and creating new habits around those actions help you create lasting change and achieve the greatness that lies inside of you.  Find people that support and encourage you to hold you accountable.  We can all help each other.  
Link for our Facebook page to reach out to us with any questions or help you with financing needs to join our rate watch program: https://www.facebook.com/AllInUncensored
Or you can find us on our website at https://www.allinuncensored.com/ 
Also, please subscribe to our show which will be available on most media platforms (Spotify, apple, YouTube, iHeart radio, google) and you can catch show clips on our Instagram and YouTube channels! Thanks again for tuning in! It’s another great day!

Reflecting Back
The idea of a podcast started with an idea formed at a Live workshop event (UWM LIVE) in Pontiac MI.
Show went from an idea to learning what it would take to get a show going.
Once we had a blueprint of how to create a podcast we came up with content.  We felt the first 4 episodes were really trying to engage with our audience so they could really get to know Ryan and Bryon.  Future episodes we decided were all about our guests and value they can bring to our audience with the content centered around homeownership and self improvement.

Preview of 2024 Lineup
Our next episode we will be dedicating to goal setting and accountability.  Some of the guests we are looking forward to helping bridge the gap and bring content to the show for our audience include real estate agents, financial planners, elder law attorneys, estate planning attorneys, contractors and many more!

Moving Forward
Ryan and Bryon are making a commitment to getting better every episode to deliver relevant content.  We have already taken some amazing feedback from past guests and are implementing those changes that will only make the show better.  Furthermore, our goal in 2024 is to spread a positive message and help people with homeownership through education and entertainment.

Final Thoughts
Ryan and Bryon started with a seed of an idea and it has grown into a weekly show featured on a number of platforms.  We are excited for getting better every episode in 2024 to help our audience get better and have a positive impact on the communities we serve.  Thank you Everyone who has had a hand in helping us get launched in 2023 and we are ready to blow up the socials in 2024!
Link for our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Or you can find us on our website at https://www.allinuncensored.com/

Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch show clips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!

Some of the topics we will touch on in this episode:
•        Who is Jose Moreno?
•        Perspective on Homeownership
•        Share thoughts on marketing
•        Your connection to sports
•        Q&A Session

Who is Jose?
Jose went through college on football scholarship
Transitioned from football into media
His current role is marketing director at Adcom Group Inc and also media coordinator
Grew up in Anaheim and understands the value of homeownership. 

What is your perspective on homeownership?
Perspective on Homeownership is it is really important to have a good team around you when looking for a home.  Your lender and realtor should partner with you to ensure that you are getting educated about options and the process.  Education and leading with servant’s heart are important.

Thoughts on Marketing
Jose designed the logo and tag line for Home Trust Financial.  It is important that you send out the right message about who you are and be authentic.  Jose is willing to help our realtor partners.  Also giving back is huge.  As you find success, be willing to find the charity or cause that speaks to you and give back to your community.  Even though Seattle area is pretty big, the degrees of separation are small when you are out in the community.  Be a kind person and be willing to help others.

Your connection to sports
Jose played pro football and is connected with the Seahawks organization, Sounders, Huskies and is connected with concert events.  He is a PR manager for Walter Jones and other people and he loves what he does. 

Q&A Session
He loves hearing ideas about how people can grow their business but it is another thing to actually put ideas into practice.  Educating people to help them achieve homeownership is a big key to what we do in our industry.  Also, don’t focus on the money, focus on helping others and the money will follow.

Final thoughts
Jose has a very unique background centered around sports culture and media in the greater Seattle area and has tremendous insights into marketing, leading with a servant’s heart, being kind to others and helping people get better.  Drop Jose a message here if you need help growing your brand: https://www.threads.net/@jamorenobbc or here: https://www.instagram.com/jamorenobbc/# 
Link for our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored
Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch show clips on our instagram and youtube channels! Thanks again for tuning i

Some of the topics we will touch on in this episode:
•        Who is Rilee?
•        Where have your travels taken you?
•        What is your favorite animal and how has that led to your passion?
•        Q&A Session

Who is Rilee?
Where were you born? Born in Idaho and grew up in WA where her Mom is from
How old are you?  11 years old
Tell us about the farm you grew up on – Jim’s U-Fish/Old McDebbie’s Farm – lots of agritourism.  There is a U-fish pond, pony rides, over 100 animals including wallabies, kangaroos, camels, sheep, goats, ponies, turtles, emu, bunnies, zebras, and more.
Hobbies or anything I like to do – I like to go on outdoor adventures and love horse riding

Where have your travels taken you?
Camping in OR and CA with Auntie and Uncle – did a jet boat tour on the Klamath River and saw eagles, osprey, black bear and a bunch of other animals.  The boat did a 360 with it’s 2500 HP jet engines and we all got wet!  It was a fun trip!
Flying to Missouri to visit family – Missouri is really beautiful.  It is hot and humid there but it is really fun.  Rilee has a lot of family there and she has been there twice.  Her most memorable experience was when they got to go for a horseback ride.
Road tripping to Oregon and Idaho and exploring Hells Canyon and Joseph
What was my favorite adventure that I have been on so far? – Definitely flying to Missouri
What is your favorite animal? Rilee likes dogs and horses.
How has your love of horses led you to riding? – Horses are smart and friendly and they get you from point a to point b without having to spend money on gas.

Tell us about a few of your riding adventures – Ride in Missouri, horse lessons, and riding trip with Uncle Bryon in Joseph.  Bryon had to get ponied up the hill because he could not make his horse get going.  Meanwhile, Rilee and her horse rebel were seasoned pros on the slopes of the Wallowa Mountain range.

What is your dream property when you grow up? Property with huge open fields so she can have a few horses, some cows and other farm animals.  Dream property is one where I can run my own hobby farm some day and maybe even rescue horses to save them.
Any other favorite animals and why? Dogs are amazing – no matter how bad of a day you have they are always there to greet you and love you.  You can be gone for 5 minutes and they act like they have  not seen you in 10 years.

Q&A Session
Advice for people dreaming about their ideal home or property? – Save your money!  Don’t spend it on unnecessary things
Favorite subject in school and why? Math is fun and challenging but PE is favorite subject currently.  Rilee loves the outdoors and any chance to get outside is a good time.
What is some good positive advice for people in general:  Keep working hard, do your best.  Even if things get challenging, keep pushing forward and working hard.  Also, don’t get into trouble.
What is some good advice for people in school? Don’t get in trouble and treat people with respect
Any other places that I would like to travel to or visit:  Texas, Montana, Hawaii

Final thoughts
Rilee shared some amazing insight into daring to dream big about your future home.  If you love open spaces, consider looking in a rural area.  If your passion is to be in a busy area with lots of stuff to do, maybe a city makes more sense.  Bottom line:  save your money, don’t get into trouble, and keep pushing forward and working hard even if life gets challenging.

Link for our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Some of the topics we will touch on in this episode:
•        Who is Jennifer Hawkins?
•        How did you get your start in Real Estate?
•        What are your goals going into 2024?
•        Q&A Session

Who is Jennifer Hawkins?

3rd generation real estate agent.  Her grandfather started family business in 1946.  Jennifer is in her 21st year of real estate.  Also cool fact, her Grandfather started what is today the multiple listing service for our area.  Jennifer takes the trusted advisor approach to her business.  Relationships and education are the benchmarks of her business and it is really important to be a good listener to your clients.

How did you get your start in Real Estate?
Started learning from her Dad and Grandfather.  Jennifer and her sister have now taken over the family business and are working on bringing in quality people to be ready to scale while providing a high level of service.

Goals for 2024?
Prepare to be able to scale as volumes increase.  The challenge is maintaining a high level of customer service. 

Q&A Session
Insights into current market (millennials and boomers) – Boomers now have enough equity that they are able to not have to compete with entry level buyers.  Boomers take longer to make decisions and in markets with low inventory it makes it more challenging to have to get an offer in fast.  For millennials, the challenge has been there seems to be fear around purchasing a home due to the prices.  Advice is to buy now before rates come down lower and more buyers are competing for less homes again.

Advice for new agents?
Don’t try to do it all.  Know what your strengths are and focus on the basics like filling out contracts correctly.  Lean on Title Companies, senior brokers in your office and lending partners to help you navigate the first few years in the business.  You also don’t need to know it all.

Advice for new buyers?
Don’t try to chase the rates down or the values down.  Stop listening to mass media.  Your home journey is yours and yours alone and when it is the right time, don’t hesitate to purchase.

Advice for lending partners?
Collaboration and education are key.

Final thoughts
Being a trusted advisor and education homeowners is the key to helping people have a great experience buying or selling a home.  If you are looking to buy or sell and would like some insights, please reach out to Jennifer through this link:  https://key2see.com/

Next Week
To be determined for our next topic/guest.  Link for our facebook page to reach out to us with any questions or help you with financing needs to to join our rate watch program: https://www.facebook.com/AllInUncensored

Some of the topics we will touch on in this episode:
•        What does the Fed News mean?
•        How can homeowners who are veterans or have an FHA or VA loan take advantage of this now?
•        Forward hedging of $3,000,000,000 to be able to help Veterans with VA Interest Rate Reductions and help homeowners with FHA financing to streamline refinance into a lower payment
•        Margin Compression and how realtors can go back to past clients to help them get into a better spot
•        Collaboration with referral partners and with other lenders
Fed News
The Federal Reserve had a meeting where they talked about conservatively 3 interest rate reductions in 2024.  What does this mean ultimately for the consumer?  We will likely see interest rates drop in 2024 and it will create a lot of opportunity for buyers that have been on the fence about buying to be able to move forward. 

How Can Homeowners with VA or FHA loans take advantage of this now?
•        Veterans with VA loans with at least 210 days and 6 on-time payments can take advantage of an interest rate reduction loan.  FHA borrower with 6 on-time payments can as well. 

They should reach out to us so we can help educate them.  Send us a message on our facebook page: https://www.facebook.com/AllInUncensored

Forward Heding of $3,000,000,000
One of our largest wholesale lending partners is hedging $3,000,000,000 to drive lower rates going into 2024 for FHA borrowers who are looking for a streamline refinance and Veterans with VA loans looking for interest rate reduction.  This is our way to help homeowners fight inflation by helping them reduce their mortgage payment.

Margin Compression
Retail Mortgage Banks, Banks, Credit Unions all make a lot of profit on government loans (VA and FHA).  HMDA data shows that there is as much as 300-400 basis points built into rate.  Our channel has about 90 basis points for margins.  What this means to the consumer is that their rate could be a lot lower when working with the right partner.  For our realtor partners use this as an opportunity to help your past clients get into a better spot.  We would love to be a resource to help them understand their options to lower their monthly payment.

Collaboration
Everything we have been working on since May has led to a lot of people wanting to help us get better and has opened the doors for collaboration.  We have a small local group that meets called “The Loan Club”.  We also have a closed Facebook group who is coming together with the intent to help eachother in the loan community get better, not just for ourselves but most importantly for our clients and referral partners.  We will be having a goal setting show at beginning of the year and would love to collaborate with realtor teams, other loan officers looking for change or just needing to collaborate and financial planners and other service providers all looking to get better in 2024.
Final thoughts
2024 is going to be a pre-cursor to a huge housing boom in 2025.  If we are helping eachother get better through collaboration and goal setting then we are ultimately helping the homeowner get wins.  AS a homeowner, reach out to us, we would love to help educate you on your options and put you into a rate watch program.  It will help automate so it will set you up and notify you when the time is right to consider refinancing and keeping your costs low while doing it.
Next Week
To be determined for our next topic/guest.  Link for our facebook page to reach out to us with any questions or help you need for getting into our rate watch program: https://www.facebook.com/AllInUncensored
Also, please subscribe to our show which will be available on most media platforms (spotify, apple, youtube, iheart radio, google) and you can catch show clips on our instagram and youtube channels! Thanks again for tuning in! It’s another great day!

What is the flow zone?  Flow zone is a nickname from Kayaking but it has now taken on a deeper meaning:  Flowing like water while being in the zone to be a better leader and help people grow and get better.

How did your time at Zillow translate to our industry now?
• What did you like about working at Zillow?  Even though Sean had experience with developing business and recruiting, the Zillow leadership had him start at the ground level and grow from there.  They gave him a lot of feedback on how to be better and he was coachable and was able to grow from there until he developed the entire rental division of Zillow into a $250 million per year arm of the business.

What were some of the challenges?  Challenges were when he exploded the growth of their rental platform, more fingers were in the pie so to speak and it was harder to do what he felt he needed to do to scale.

What led to transition over into the wholesale channel?  Rich Hunt, owner of Adcom Group Inc, met Sean through their wives at the time and they developed an instant friendship and Rich plugged him into the network here.
Why Wholesale channel?
• What is different about this versus retail? Based on HMDA data, the average borrower saves over $9000 per year by using a broker.  Wholesale offers loan officers more control of their business and also allows them to be competitive.

What drew you to wholesale?  The opportunity to help loan officers grow and scale knowing that they could believe in the product they are selling.

Why is wholesale/broker channel better for loan officers?
The broker channel is better for loan officers because it allows the loan officer to have control over their business.  It cuts out the bloat of management we often see in retail.  Also, the technology has caught up.  12 year ago banked retail dominated the market due to their ability to offer everything on one platform.  Fintech has caught up and leveled the playing field and in some cases broker channel’s tech has surpassed that of retail.

How do people save money by utilizing our services?
We are able to eliminate corporate bloat and pass the savings onto the clients.
Thoughts on Housing and Mortgage market going into 2024
Where do you see rates going?  No one has a crystal ball but we see rates likely leveling out and possibly going down in 2024

Do you think we will see any changes in inventory?  The millennial generation has a lot of pent up demand for housing so we will not likely see inventory getting to a more normal cycle if rates come back down.

What should real estate agents and loan officers be doing right now to help people find success in becoming homeowners in 2024?  We should all be working on our business and building systems and platforms to be better for our clients in 2024.  Also now is a great opportunity for loan officers to join our team and explore transitioning from the banked retail model over to the broker channel.

Final thoughts
The mortgage wholesale/broker channel offers a lot of advantages to loan officers who decide to make the switch from retail.  If we keep our focus on the consumer and trying to give them the highest level of service while keeping costs as low as possible, the broker channel provides a great option for that.   If you are a retail mortgage loan officer, please hit us up.  We would love to collaborate.

What are the takeaways from our October Travels?
•        UWM Leadership Training: Looking at personal and professional goals and developing a W.I.N. (What’s Important Now?) strategy. We will touch on transparency, consistency and Identity
•         Kind VIBE event in LA: Motivational speakers: Glenn Stearns, Grant Cardone, Manny Khoshbin, John Elway and Captain Charlie Plumb
•         Speakers from Vibe Event: work ethic, determination, morning routine
•         Captain Charlie Plumb: POW, spoke to how we are all, in our own way, in a prison (his was 8x8 cell). How do we chose to face adversity?
•         Club 33!
UWM Leadership Training

What did we learn?
•        It is important to define personal and professional goals. Those goals need to be built around WIN (What’s Important Now?)
•        Always be investing in your team and develop a game plan to hit those goals. if you are not doing something daily that funnels up to your goals you are wasting time
•        Investing time - daily activity that produces results

Transparency and Consistency
•        Transparency allows everyone to know where everyone else stands. it creates accountability.
•        Transparency helps us focus on what we need to go to hit our personal and collective goals
•        Consistency: Nothing else matters if there is no consistency. How you govern is how you lead. It is important to set a good example.

Consistency in messaging, identity, office culture and transparency will allow you team to be great Identity
•        It is important to define who you are. We strive to project positivity, work ethic, attitude, and structure
•        A standard needs to be created: Show up early, do more to improve in down times: training, building, scaling
•        Don’t sacrifice integrity of your standard
•        One question that drives us: What does our perfect day look like? (Calls, social media, podcast, training, client connections, helping referral partners get better). We are striving to define our perfect day and hit that every single day

Kind Lending VIBE Event Speakers were Amazing
•        Manny Khosbin: persistence wears down resistence. The more you know the more you Grow. Work out or exercise: Strong body supports strong mind
•        Grant Cardone: Your brand needs to be everywhere so you can build a huge database. It is all a numbers game. For our realtor partners - we can help you with this
•        Glenn Stearns: focus on being better listeners, showing more compassion and leading with kindness. If you focus on serving others, you will find joy in what you do
•        John Elway: All about hard work and determination. After every failure, he chose to learn from it and get better
Captain Charlie Plumb
•        8x8 cell 2103 days in Vietnam POW Camp
•        Felt sorry for himself until he was challenged by another POW to not waste the opportunity adversity presents
•        8" between your ear is your biggest challenge to overcome (mindset/perception)
•        Adversity is a horrible thing to waste - adversity gives us an opportunity for growth
•        He used that opportunity to give people vision and purpose (prison leadership)
•        Step back and be the victim or step forward and become the victor
Disneyland and Club 33

Post conference invite to Secret Club
•        Talk about Club 33 - secret club inside of Disneyland where memberships cost around $80,000 to join and $20,000 per year.
•        What did you like about it?  Club 33 had a 1920's speakeasy vibe and incredible food and atmosphere - once in a lifetime experience
•        What are some fun things we learned? There are crazy Disney collectors that go nuts over Club 33 swag.
•        Disneyland was fun.  To be fully formed adult males and being able to be a little kid again and bond with new people who are now our friends was an amazing experience.

Final thoughts
We are in some challenging times for sure. If you can learn to master the 8" between your ears, the external environment shouldn’t matter. Lead with consistency, transparency and constantly strive for a perfect day and you can end up stepping forward in these challenging times to become the victor.

2008 Crisis
What happened
•        Banking crisis: house values collapsed, high unemployment and a great recession
•        Home were lost through bankruptcy, foreclosure and short sales
•        Lessons from 2008 - avoid unsecured debt, have a savings plan, operate on a budget
Bryon’s Story
•        Grand Mal Seizure - woke up in ER
•        Fallout from medical issues happening at same time.  Lost Home and 8 rentals and had to start all over living in an apartment next to the dump.
The Last Great American Land Yacht
1995 Buick Le Sabre
•        What is back story on this?  Aunt and Uncle came through and was able to provide a vehicle for me.  
•        Why was it called last Great American Land Yacht: It was the epitome of American comfort - blue leather seats that road smooth.
•        What did it represent at the time:  It represented shame and failure and humiliation.
•        What does it represent now?  it represents family coming through in a time of need, pride, gratitude and a reminder of how far I have come and the challenges I faced and overcame.
Ryan’s Story
•        What was your 2008 experience? Wife quit her job, 2 small kids, rental houses. 
•        What was the hardest part for you? Figuring out what I was going to do. 
•        What did you learn? I learned that in this business when it gets hard people get out and that is the time to gain market share. 
Why is this story important to share?
History is a great teacher
•        Our stories are just a drop in the bucket of what happened to a lot of people
•        It’s okay to not be okay
•        The tough times will pass
•        We are here to provide a reference point and a calm voice during your turbulent times
How is adversity a great teacher?
•        Bryon - the Last Great American Land Yacht is now a symbol of pride. It represents a fresh start and reminds me to be humble and grateful everyday
•        Ryan – Knowing that possibilities are endless. Do what you love, learn new things and doors will open. (getting into wholesale and getting to do it our way is amazing)
•        If you are struggling now with debt - reach out to us and we can help you put together a plan so you can avoid the harsher lessons we had to endure - difference is people still have equity in their homes and we have the tools to help!  Debt Consolidation, cash out refinances to pay off high interest debt and reduce overall payments.
•        Budget is key - control your controllables. We would love to help you put one together and find a path to eliminating debt

Final thoughts
Market Cycles come and go. We are likely entering another patch of economic uncertainty but we are here to be your guides and voices of calm and hope. Adversity is a great teacher and you have a choice on whether it will be your foe or your teacher.

Miracle Morning
Hal Elrod Book
•        Hal has an interesting story about how he was clinically dead and brought back to life. A lot of his book talks about making choices on how to look at your situation

•        Through his journey into motivational speaking he sought what highly successful individuals shared in common for their routines. He discovered that it all starts in the morning
•        He found that they all had 6 things in common which he developed an acronym for called SAVERS
What is SAVERS?
•        The idea is you get up early in the morning to be able to start your day with these 6 habits. We have both started getting up at 5 am.

•      Challenges we face - forcing yourself up at 5 am.  Consistency is the hardest thing so far

•        SAVERS: Silence (Meditation), Affirmations, Visualization (especially as it pertains to the vision of who you want to be for yourself and others), Excercise (motion creates energy - not more sleep!), Reading and Scribing (or journaling)

•        Forms of visualization we do: Vision board, motivational videos, etc

It’s Another Great Day
Ryan’s Daily Morning Post
•        What got you started on this?  Ryan and a Friend Aaron started calling eachother everyday and saying "It's Another Great Day!"
•        What messaging are you trying to convey to your audience?  Spreading positivity and encouraging messages of hope.  If it helps 1 person then it is worth it.
•        Share with our audience the feedback you are getting:  strangers are seeing me in the grocery store saying "It's another great day".  Words of encouragement from other people I didn't even know where watching my daily posts.
•        What Bryon likes about it
Bryon’s Coaching
•        How often do you have coaching calls and what are they about?  Coaching  calls are twice a month.  They are about improving sales techniques but more than that, they are about learning how to have a positive mindset and improve your emotional intelligence so you can respond better when challenges come up.
•        What are some of the biggest breakthroughs you have had?  Pushing past my limits of what I thought was possible for myself.
•        How has that helped you become better not only in your business but in your personal life as well?  It has helping me stay solution oriented and has also helped me align with servant leadership
•        Talk about my coach and how we want him on the show!  Chad is an amazing coach who really pushes me to put in the work to get better every day.

Why is mindset so important?
How we define mindset
•        Ryan what is mindset for you and in addition to miracle morning and Another Great Day posts, what are some other things you do to keep your mindset positive and strong?

•        Bryon what is mindset for you and same as Ryan - what are other things you do to keep your mindset strong (reference house hold budget - foreshadow for future show)

Get 1% Better Everyday
•        Explain the crazy energy of UWM campus and how Mat Ishbia really drives that concept home with all of his employees and broker partners.  The energy is like lightening in a bottle.  They develop a winning mindest by striving to get better 1% everyday.  They chase getting wins for clients and themselves and don't focus on the money.
•        How we have seen the largest lender in the US implement this mindset and deliver on it - through refinement of processes to helping us automate etc - the systems and processes are a well oiled machine and everyone buys into the system.
•        How are we applying it in our lives and business? - The idea of getting 1% better everyday is what helped us discover Hal Elrod’s miracle morning and is what is driving our 90 day massive action plan
•        We were inspired to create a 90 day massive action plan, part of which was developing a podcast show and here we are!

Conclusion
Final thoughts
We look forward to doing some deeper dives on some of these topics we covered today! We hope you jotted 2-3 ideas down from this show that can help you get 1% better each day! Thanks again for tuning in to All In Uncensored!