Hi, I'm Ella Gurfinkel, your host of the AskElla Show and senior loan officer at Fairway Independent Mortgage. On my podcast, I cut through the noise to bring you honest conversations about real estate, mortgages, and financial planning. I interview industry experts to tackle everything from homebuying basics to complex topics like reverse mortgages, trusts, and market trends. With decades of experience, I'm passionate about dispelling myths and providing clear, actionable advice. Whether yo ...
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Breakthrough Podcast with Chris Medellin is a platform meant to spotlight diverse and remarkable stories of breakthrough individuals in the mortgage, real estate spaces and beyond.As a Mexican-American, Chris has been no stranger to adversity in his career, feeling like just another cog in the machine. Everything he has built for himself, he has raised his hand, used his voice, and found ways to build a chair and drag it to the tables where career-changing conversations and decisions have tr ...
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You won’t believe the stories we’ve seen in the mortgage world. Brooke Srackangast and I share the craziest deals, the wildest clients, and those moments that make us want to pour a glass of wine… or two. My guest: Brooke Srackangast Loan Officer NMLS #2026752 From buyers ghosting us hours before closing… To clients painting houses without telling …
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What to Do If a Buyer Can’t Cover Closing Costs?
11:14
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11:14Buyer short on funds at closing? I’ve rescued hundreds of deals when buyers came up thousands short just days before closing. I share my exact playbook to save your deal fast—whether it’s renegotiating seller concessions, using lender credits, documenting gift funds the right way, or leveraging assistance programs. I’ll walk you through proven stra…
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How to get pre-approved for a mortgage (Lender Exposes 5 Red Flags)
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15:35If you’re helping buyers compete in a hot market, don’t overlook the power of the appraisal gap guarantee. Too many agents advise waiving the appraisal contingency entirely — but that exposes buyers to unnecessary risk. Instead, I walk you through a smarter solution: capping the appraisal gap. In this video, I break down: • What an appraisal gap gu…
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HOW TO RESCUE DEALS WHEN APPRAISALS COME IN LOW?
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7:19Appraisal came in $30K low? Your deal — and your commission — might feel like it’s slipping away. But it doesn’t have to. I’ve rescued countless transactions from low appraisals, and in this video, I share my full playbook for how to respond in the first 24 hours, negotiate strategically, and get your buyer to the closing table — even when the numb…
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Down Payment Assistance Programs That Always Close
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11:04Most agents think they know how down payment assistance works — until their deals fall apart at the last minute. Here’s the truth: most local and “too-good-to-be-true” DPA programs never close. But in this video, I’m revealing the only national programs that consistently fund — and how I help buyers close with as little as $1,000 out of pocket. You…
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5 Financing Tactics That Beat Cash Investors: Secrets from 2,000+ Winning Deals
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4:41Families are up against cash buyers and waived contingencies — but your clients don’t need to overpay or take dangerous risks to win. After helping over 2,000 families navigate hot markets, I’m sharing 5 real financing strategies that actually help your buyer stand out and win — even in competitive bidding wars. 00:00 – The reality of today’s homeb…
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Sobriety Helped Me Build an Unstoppable Real Estate Brand - Jennifer Kessel-White
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42:59Sobriety helped her achieve top 1% realtor status. Jennifer Kessle White’s story is one of resilience and triumph. Join us for a heartfelt conversation with this thought leader as she shares her journey of overcoming personal challenges, redefining success, and thriving in real estate and life. A successful loan officer or entrepreneur can relate t…
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How AI Transformed My Real Estate Business with Lauren Lucas
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58:05Discover how artificial intelligence is revolutionizing the real estate industry in this heartfelt conversation with Lauren Lucas, a successful real estate agent and thought leader. In this compelling interview, Lauren shares her real-world experience of scaling her business, eliminating cold calls, and leveraging AI tools to transform her workflow…
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From Immigrant to Mortgage Leader with Ella Gurfinkel Inspiring Journey
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57:33Join us as we sit down with Ella Gerunkle to hear her inspiring journey from a 16-year-old immigrant to a successful loan officer and mortgage industry thought leader. In this heartfelt conversation, Ella shares how she built her career while embracing communication, creativity, and authenticity. From starting her life in America with nothing to be…
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AGENTS! Don’t Let 7% Rates Kill Your Deals: Use This
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8:00In this candid conversation, senior loan officer Ella Gerfinkle reveals the proven strategies and exact scripts that keep buyers engaged even when mortgage rates spike to 7%. What You'll Learn: 📊 The Historical Context That Changes Everything Why 6-7% rates are normal, not problematic How 2-3% rates of 2020-2021 were the anomaly (black swan event) …
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The Secret to Building Communities That Thrive with Arjun Dhingra
56:24
56:24
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56:24Your breakthrough moment starts here! Join us for an inspiring and heartfelt conversation with Arjun Dingra—mortgage leader, successful loan officer, two-time world champion martial artist, and founder of the LFG Society. As a thought leader and extreme mortgage influencer, Arjun shares his real-world experience navigating personal breakthroughs, b…
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ARIZONA EXPOSED NOT JUST THE SUN! THAT'S Why I moved to AZ
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7:15In this candid conversation, senior loan officer Ella Gurfinkel reveals the unexpected journey that led her to leave the Pacific Northwest after 35 years and make Arizona her permanent home. What started as a simple "rainbirding" plan quickly transformed into a life-changing relocation decision that she never anticipated. What You'll Learn: Why Ari…
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The Zero Down Payment Option You Might Actually Qualify For
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7:22In this eye-opening episode, senior loan officer Ella Gurfinkel reveals the truth about USDA loans - a powerful zero-down payment mortgage option that many homebuyers overlook. With 30 years of experience and over 2,000 families served, Ella breaks down exactly who can and cannot qualify for this incredible program that requires no down payment. Wh…
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Why It Takes 20-30 Days to Close on a Home Purchase | Behind the Scenes
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16:20In this revealing episode, senior loan officer Ella Gurfinkel pulls back the curtain on what really happens during the mortgage closing process. With 30 years of experience and over 2,000 families served, Ella explains why closing on a home purchase takes 20-30 days (sometimes longer) and why rushing this process could cost you your dream home. Wha…
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Why Your New Loan Could Cost You $50,000 Extra
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6:02In this eye-opening episode, mortgage veteran Ella Gurfinkel reveals the critical refinancing details that most lenders never explain. With over 30 years of experience and more than 2,000 families served, Ella breaks down exactly what happens when you refinance and why misunderstanding this process could cost you tens of thousands of dollars. What …
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How To Rent Out Your Home | Noelle Denton
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56:27
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56:27Thinking of Renting Out Your Home? Watch This First. In this episode of Ask Ella Show, I sit down with Noel Denton, the most badass property manager I’ve ever worked with, to unpack everything you need to know before renting out a home in the Portland metro area. 💥 From tenant screening laws that will blow your mind… 💥 To the exact reasons you shou…
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How the NAR Settlement Transforms Real Estate Commissions | Chris Ambrose
52:08
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52:08In this illuminating conversation, Ella Gurfinkel sits down with attorney Christopher Ambrose to cut through the media hype and misinformation surrounding the National Association of Realtors (NAR) settlement. This thoughtful discussion reveals what the settlement actually means for buyers, sellers, and real estate professionals. What You'll Learn:…
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Don't Shop for Houses Until You Watch This - Insider Strategies from 30+ Years of Experience | GUEST PODCAST
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46:52In this special guest appearance, mortgage veteran Ella Gurfinkel joins host Galina Shekhtman to share critical insights about the home buying process that most buyers overlook. With nearly three decades of mortgage experience, Ella reveals why the typical buyer's approach is completely backward and how to avoid costly mistakes. What You'll Learn: …
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How Sobriety Transformed My Career - Rich Cardona
52:39
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52:39What if the one choice you made changed everything? In this heartfelt interview, Marine Corps veteran, thought leader, and top 50 podcaster Rich Cardona shares how sobriety became the turning point in his career and life. From overcoming personal struggles to building a media powerhouse and mastering communication, this episode dives deep into real…
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How Trusts Can Save You Millions in Taxes? | Heildi Mandler
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32:07In this invaluable conversation, Ella Gurfinkel sits down with attorney Heidi Mandler to explore the critical topic of estate planning and trusts. This eye-opening discussion reveals how proper planning can protect your assets, save your heirs from excessive taxation, and provide peace of mind for your family's future. What You'll Learn: Why Oregon…
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Recruit Loan Officers WITHOUT Cold Calling! - Chris Medellin
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11:17
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11:17Recruiting loan officers without cold calls? It’s possible, and I’m sharing exactly how! 🚀 In this game-changing episode, I reveal my proven three-step process, which helped me hire 44 loan officers in 12 months—without ever making a cold call. If you’re a branch manager or leader tired of chasing recruits, this is for you. Learn how to establish y…
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What You Need to Know Before You Get a Loan!
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30:26In this eye-opening conversation, Ella Gurfinkel sits down with Chris Medelin from Loan Depot to pull back the curtain on the mortgage industry. This candid discussion reveals what really happens behind the scenes when you shop for a home loan and why the lowest rate doesn't always equal the best mortgage. What You'll Learn: Why shopping solely for…
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How to Save $50,000 When Buying a House (Secrets Nobody Shares!)
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42:27
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42:27In this eye-opening conversation, Ella Gurfinkel sits down with Annabelle Silva from ArchMI to tackle one of the most misunderstood aspects of home buying: mortgage insurance. This informative discussion challenges common misconceptions and provides clarity on how mortgage insurance actually works. What You'll Learn: Why mortgage insurance is not "…
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The Branding Strategy That Skyrocketed My Growth With Trevor York
53:06
53:06
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53:06Unlock massive growth in your career and personal brand with authentic storytelling and actionable strategies! In this heartfelt conversation, we sit down with renowned thought leader and successful CEO Trevor, whose journey from loan officer to content creator and branding expert has inspired countless professionals. This video dives into real-wor…
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This Simple Marketing Strategy Will 10X Your Business | Haley Parker
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27:27Whether you're a mortgage professional or real estate agent navigating today's challenging market, this conversation with Haley Parker, Chief Business Development Officer at Fairway, delivers actionable marketing insights you won't want to miss. What you'll learn: Why traditional "calendar marketing" (National Hot Dog Day posts) no longer works How…
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How Reverse Mortgages Actually Work? | Craig Gallegos
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27:21
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27:21Whether you're considering a reverse mortgage for yourself or helping aging parents explore their financial options, this conversation provides clear, honest information about this often misunderstood financial tool that could help seniors access the "pot of gold" sitting in their home equity. What you'll learn: The truth about home ownership with …
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How Quitting Alcohol Doubled My Business Growth - Chris Medellin
46:25
46:25
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46:25Discover how quitting alcohol transformed not just my business growth, but my entire life. In this raw and honest conversation with my podcast producer Fabio, I share my personal journey of breaking free from alcohol dependence and the surprising ways it doubled my business success. From struggling with brain fog and missed opportunities to achievi…
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Why Most Leaders SUCK at Building Teams - Kristen Cantrell
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56:05
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56:05The Truth About Building a 7-Figure Real Estate Community - discover how Kristen transformed her real estate career by hosting 50+ annual events and building an authentic female-focused community. As the founder of Connect and Cultivate and Moms of Real Estate podcast, she shares her journey from GoDaddy call center rep to influential community bui…
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Zero Fear, All Hustle: Las Hermanas' Blueprint to Real Estate Success - Gabby & Marcella
1:06:01
1:06:01
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1:06:01Join us as we sit down with the dynamic duo, Gabby Zenner and Marcela Torrez, known as "Las Hermanas de Real Estate," who have turned social media into real estate success in Salt Lake City. In this heartfelt conversation, we explore their journey from working nine-to-five jobs in call centers to becoming successful entrepreneurs and thought leader…
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The Social Media Strategy Millionaires Use: Gabe Mendez
56:26
56:26
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56:26Join us as we sit down with Gabe Mendez, a thought leader and successful loan officer who transformed from being broke to a millionaire using social media. In this heartfelt conversation, Gabe shares real-world experiences that have shaped his journey. We dive into the power of building a personal brand, leveraging cold calls, and tackling self-dou…
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Join us as we sit down with Chris Do and uncover his secret to closing $200K+ deals every time. In this episode, we dive into a heartfelt conversation with Chris Do, an Emmy award-winning designer, podcast host, and thought leader in the creative industry. Chris shares his real-world experience on how he transformed from hating pitching to masterin…
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Learn how to have obnoxious levels of conversion by knowing exactly what to say with Phil M Jones
57:44
57:44
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57:44Bio: "Phil M Jones thinks and acts differently. His precise insights around communication, added to a proven personal pedigree of peak performance and a richness of real-world experience mean that Phil is the kind of thought leader whose counsel is sought by other thought leaders. He believes with passion that the answer to increased success, in ev…
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Rescuing Dreams: The Smart Choice Lending Legacy with Travis Smart
1:13:35
1:13:35
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1:13:35Join us as we sit down with Travis Smart, a remarkable individual whose journey from a challenging upbringing to serving our nation in the United States Navy, and eventually pioneering success in the mortgage lending industry, is nothing short of inspiring. In this episode, we unravel the layers of Travis's life, delving into the formative experien…
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NOT UR DADDYS LENDER: The Digital Evolution with Theoni Rapo-Kopunek
58:47
58:47
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58:47In this captivating episode of Breakthrough with Chris Medellin, we delve into the dynamic journey of Theoni Rapo-Kopunek, affectionately known as "theonithelender" in the digital realm. Joining us as both a distinguished guest and the founder of the popular podcast and personal brand "NOT UR DADDYS LENDER," Theoni shares her remarkable insights an…
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Healing the Heart of Gilbert: Navigating Tragedy with Billie Tarascio
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46:34Description: In the wake of the recent tragedy that has deeply affected the community of Gilbert, Arizona, our podcast delves into the heart of the matter with esteemed guest Billie Tarascio. As a seasoned legal expert specializing in divorce and family law in Arizona, Billie brings a unique perspective to the discussion. Join us as we explore the …
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Rate Revolution: Navigating Mortgages with Eddie Gomez
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57:57
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57:57In this episode, we delve into the captivating journey of Eddie Gomez, exploring his upbringing and how it shaped his trajectory in the mortgage industry. From humble beginnings to becoming a prominent figure, Eddie shares insights into the pivotal moments that shaped his career path. We also delve into his innovative program designed to ensure fai…
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From House to Home: Exploring Tracey Medellin's Real Estate Journey
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48:20Join me in celebrating the brilliance of my amazing wife, Tracey Medellin, in the latest episode of Breakthrough with Chris Medellin, As the host, I couldn't be more grateful to have her by my side, sharing her wealth of knowledge and experiences in the world of real estate. In this special episode, Tracey opens up about her remarkable journey, off…
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Redefining Success: A Loan Officer's Tale of Triumph, Family, and Transformation - Kyle Wright
1:10:08
1:10:08
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1:10:08In our latest episode on Breakthrough with Chris Medellin, we sit down with a true industry titan, Kyle Wright, a top 1% loan officer in the country. Join us as we dive deep into Kyle's incredible journey navigating the mortgage industry, the challenges he faced during a career transition, and the unwavering support he received from his family. Dis…
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Bridging Generations: A Latino Sibling Journey in the Mortgage Industry - Juan and Nora Aguirre
1:19:55
1:19:55
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1:19:55In this heartfelt episode of Breakthrough Podcast, join us for an intimate conversation with two remarkable siblings, Juan Aguirre and Nora Aguirre, as they share their inspiring journey through the dynamic world of the mortgage industry. Hailing from a proud Latino heritage, these siblings have not only broken barriers but have also paved the way …
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From Childhood Dreams to Hollywood Screens: A Conversation with Nicholas Gonzalez
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37:21In this extraordinary and heartwarming episode, we invite you to join us as we sit down with the renowned actor, Nicholas Gonzalez. But this is no ordinary interview; it's a heartfelt conversation between old friends who have known each other since childhood. Together, we trace our journey from the "innocence" of youth to the glamour of Hollywood. …
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From Skepticism to Success: The Power of Mentorship in Real Estate - Alfredo Rosales
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28:45Turning Doubt into Dollars: Real Estate's Priceless Advice!! Join us in this inspiring episode as our guest Alfredo Rosales, 2023 president of NAHREP Greater Las Vegas! a real estate expert, shares his remarkable journey to success. What makes this episode truly special is the revelation of invaluable advice from a past boss. Initially met with ske…
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The Real Deal: Overcoming Narcissism in Real Estate and Life with Stephanie Troy
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58:01In this deeply inspiring and heartwarming episode, we sit down with an exceptional guest, Stephanie Troy a powerhouse realtor who has not only conquered the world of real estate but also her own personal battles. Join us as she takes us on an emotional journey through her career, her encounters with narcissism, and her remarkable transformation int…
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From selling Herbalife Shakes to the top 5% in Real Estate Industry - Maritza Cortazar
1:03:32
1:03:32
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1:03:32Opening Quote: "... Shut the noise. Make sure you're doing something for yourself as far as personal development. You know, you're pouring into yourself because you're constantly pouring onto others. But if you're not fueling that cup, filling it up every day, you're running on empty and you can't give anything else out after that. So whether it's …
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From imminent sadness to uber success, the Hope Dealer, Shawn Kaplan
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49:47
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49:47Opening Quote: "...we either go through a little bit of trauma that, you know, we can have a great life or we go through massive trauma like me. But I know one thing, the opposite of despair is hope. And so if I can go out there and deal some hope to people and you'll be a dope healer, like then I'm gonna end this world and people are gonna come to…
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Adrian Gastelum - Loan Officer | VP | Branch Manager
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1:05:01
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1:05:01Opening Quote: "...Comes through with a different attitude and it's no longer the attitude that I can't fail. The attitude now is I am going to fail because it's a business that we don't control those markets, we don't control inventory, we don't control interest rates. We're all selling a product that's very similar. Right. So how do you separate …
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Mike Pehrson - Mortgage Lender | Real Estate
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50:15
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50:15Opening Quote: "...I would just say it. It's it wasn't even humbling for me. It's just a smart move. Yeah. Every guy that I know that's a top guy has a coach, you know, That's just what you got to do. You got to have somebody hold you accountable. People are sharing best practices on a level and on a level that you don't have access to. So I would …
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Katherin Cabrera - Realtor | Social Media | Latina
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53:03
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53:03Opening Quote: "It could have the largest following. But if you don't have a community, you really don't have anything. And I can say one thing about my followers is they do not play about me..." Guest Social Links: Instagram: https://www.instagram.com/katherin.realestate/ Tik Tok: https://www.tiktok.com/@katherin.realestate LinkedIn: https://www.l…
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Ricardo Cortazar - Broker Manager | Real Estate | NAHREP
50:21
50:21
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50:21Opening Quote: "...Everybody says, one day I'm going to get my license. And I always step in and say, is today day one or is it still one day?" - Ricardo Cortazar Guest Social Links: Instagram: https://www.instagram.com/ricardo.cortazar.9/ LinkedIn: https://www.linkedin.com/in/ricardo-cortazar-14001a147/ Facebook: https://www.facebook.com/ricardo.c…
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Candice Carcioppolo - Real Estate Social Media | Speaker | Brand + Logo Design
46:19
46:19
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46:19Opening Quote: "...you know, I work with real estate agents about building their personal brand, and showing up on social media is a huge part of building your brand. And I always have agents who, like, want the most polished, perfect video with the perfect transitions, with the music, with whatever all these things and the captions and all that an…
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Reese Laufasa - Arizona Loan Officer | Army Veteran
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57:15
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57:15Opening Quote: "...when I was working at the financial institution, I eventually got my MLO license there and then I started learning about mortgage loans and it wasn't until then, years after leaving the Army that I finally learned how to use my VA loan for working, and as soon as I started learning all this stuff, I was like, hold on, why don't t…
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