Episode 1 -Intro

Jeff and Gina discuss how their backgrounds in the mortgage and real estate industries.  

Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.
Jeff can be reached at
Email -  jeff.cunninghamrealtor@gmail.com,
website, jeffcunningham.mysalecore.com,
Facebook,- https://www.facebook.com/jeffcunninghambroker/

Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   
Gina can be reached at,
Email:  gmilloway@traidmortgagellc.com
Web: https://www.ginamillowayloans.com/
Facebook - https://www.facebook.com/mortgageswithgina/
Office -336-290-1891

NMLS Consumer Access:  https://nmlsconsumeraccess.org/
Privacy Policy:  https://www.ginamillowayloans.com/privacy-policy
Triad Mortgage is an equal housing lender 

Transcript

0:01

Hello, and welcome to the podcast. Let's get moving with Jeff and Gina. I am one of your hosts, Gina. Millway your mortgage advisor. And this. I'm Jeff Cunningham. And I am your real estate specialist here in triad of North Carolina. Absolutely. So let's, let's give the folks, everybody who's tuning in. First of all, I wanna thank everybody for tuning in. This is, um, this is my first go round at a podcast. So, um, excited and, and nervous all at the same time, figuring out how to do this. Woohoo. Yes. Uh, you've got two of us here on the same bus, so all right. Hearing, hearing my own voice on the microphone is gonna be odds of fun. So, um, oh, it's great. You have a beautiful voice, Gina. You're gonna hear that Southern draw come out a little bit. so, all right. Let's let's uh, let's touch base on, why are, why are we here? What are we doing with this podcast? And who is it for? Why should people hang. Absolutely. Absolutely. Well, you know, as, as you and I had discussed previously, knowing that folks need to get some information, uh, and be prepared for buying, um, selling or investing in real estate, um, you know, you and I decided that this would be the best way to get to as many people. That will just listen. Yep. And I think podcasting is a great means to distribute information. I know I have a ton of podcasts that I listen to regularly every day as they're dropping new episodes. I can't wait for'em to come out. So I know you do the same. I do. I do. I, I, I, that's one of my, uh, alternate news, uh, or alternate ways to get news nowadays. Yeah, absolutely. Um, you know, tons of information. Yeah, absolutely. It's a great way. So, you know, and one of the ways that we're gonna use this is to help the consumer and who wants to buy real estate essentially. So we're looking to put this out for consumers who are looking to buy, uh, a house or sell a house, whether it be their first home, a second home, uh, a move up buyer or an investment property, whatever the case may be, anybody who needs to purchase or sell real estate. We're talking to you guys. Mm, absolutely. And, uh, and we don't want to put it out there or steal anybody's lines, but we are everything real estate, um, from a to Z. Um, and, and folks just, uh, you know, use the term real estate, um, along with their. You know, need to get their mortgages. Uh, it, it, it is simultaneous or it works hand in hand. Um, so that's, uh, again, that's what we're here for a to Z a to Z. Absolutely. And so we are gonna have our contact information in the bio, in the link below. So you guys can reach out to us and I want to really encourage everyone to reach out to us and ask those questions. If you have. Um, a, a specific scenario that you wanna go over. If we can help you, uh, move forward in the process of buying or selling a home. That's, you know, essentially why we're here. Is it help you in the process to give you the information up front on the podcast, but also for you to reach out to us and ask us about. Buying or selling real estate. Yes, absolutely. And, and, and, and those are the questions that we get on a regular basis. Um, you know, anybody who has bought, uh, or sold real estate in the past knows, um, you know, it it's, there are a few important things to know and understand. Um, and again, that's why we're here is to go over that list with you and whatever situation or scenario you may be in. Um, and we wanna make sure that you are comfort. Um, and you make the right decisions going forward. Um, because both Jean and I are, are, are here to help you with your financial goals, um, as well as your real estate goals. Yeah. AB absolutely. And you know, the market that we're in right now, we're recording this in June, 2022 is a crazy market. This it's crazy on the finance side. It's crazy on the inventory side. Mm-hmm so being prepared ahead of time before you jump into it is really, really important right now, having somebody to guide you through it is super important. So, um, some of the things that we're gonna be going over in the podcast on upcoming episodes that we kind of have pre-planned out or subjects, we wanna make sure that we, we touch base on the process. We're gonna start at the beginning. What do you need to know? What, what do you need to know about getting preapproved? We're gonna go over preapprovals on the next episode. What do they mean? Why do you need'em then we're gonna go talk about how to choose your agent, why what's important. What do you need to know? Um, what to expect from your agent? Um, those types of things. And then we're also gonna bring on guests to talk about areas that are maybe outside of our expertise, maybe home inspections. financial advisors, appraisals, um, different type of mortgage products, such as a reverse mortgage. Those are all things that impact our industry and that you need to have the information about mm-hmm. absolutely absolutely well said. And, and along with that, you know, again, it's, it, it's a ton of information sharing, um, as well as it education, uh, as well as a little bit of entertainment, um, you know, we, we wanna make sure that folks, once they get in their new home, um, understand what it is that they need to do, whether it just be maintenance, um, spring, fall, winter, summer, whatever the seasonal, uh, requirements may be. And wherever you might be again, being on. Uh, coast here in North Carolina is gonna be a little bit different in preparation for whatever it is, is on the west coast of North Carolina. Um, and, and again, we're here to provide you with all that information and we will have all that information again, below, uh, with our contacts. Um, Information down there in the bio below. Yeah, absolutely. And if you guys have a burning question that, that you want us to talk about our subject, that you need to know more information about that, that maybe we haven't touched comment and let us know, send us a, a text or an email and say, Hey, can you guys chat about this? This is my situation. We can absolutely cover those, um, episodes. So we hope to be drop an episode about once a week. That's the goal, maybe a little more often, depending on the content and the time that we can come up with it. But about once a week is we hope to bring you some information that you can use, um, that's current, um, and applies to this market. if we can keep up with it, it changes so fast. We gotta be able to keep up with it. But yes, exactly. Well, you say that and yes, we might, uh, we might be, uh, we might be podcasting more than we are actually. That's true. Working the way that things are changing in the market. Maybe a, maybe a daily, daily podcast. We don't, we aren't careful. So absolutely. I'm ready if you are so well, let's, let's tell everybody, um, let's give everybody a little quick background on who we are and what we do. And, um, so they know a little bit about us now. You're a real estate agent in the area you're licensed in North Carolina, obviously, but you work primarily in the, um, triad areas where you're physically located. Tell us a little bit you. How long have you been an agent? I've been an agent about five years now. Um, a little bit more than that. Um, so yeah, as we mentioning earlier, uh, yeah, the, the, the, um, ups and downs and cycles of real estate are, are, are, uh, uh, they are quite regular. If you can call it that, I know that's kind of an oxymoron. Um, but yeah, uh, the cycles that real estate go through, um, what we've seen here with the pandemic and everything else, um, has been, um, um, nothing short of. Surprising. Hmm. I don't even know what would be the record. Yeah, absolutely. It's surprising. Uh, you know, who would've thought, you know, two years ago that. You know, the interest rates were dropping as quick as they did. Mm-hmm which, you know, of course they went down to historical lows, but, uh, again, where we are today is still at a historical low mm-hmm you know, compared to where we were previously two years before, uh, the pro, uh, before the pandemic happened. Um, but in any case, um, it's been a heck of a ride already. Um, but I got in the business about five years ago. About the same time you did. Um, and, and what drove me into the business was. Previous career was, uh, buying and selling. Building products, uh, two contractors and homeowners, um, and in doing so, um, I was quickly intrigued with the, um, amount of folk amount that the folks were either, um, uh, purchasing and or profiting for, you know, again, what they've been doing in my industry. Again, buying and selling, um, Building products. Um, these folks jumped in as, as we all recall, uh, HDTV kicked off here in the last, uh, say 6, 7, 8 years. And, and it, uh, it drove everybody's interest up to what can I do with real estate? Mm-hmm um, not just what can real estate do for me. right. Absolutely. Yes. Everybody loves HDT I'm a better farmer and I have a budget of 4.5 million. Absolutely. I'd love to get a couple of those guys. Um, but yeah, in doing so, um, you know, we learned the journey pretty quick. Um, I was really interested, uh, you know, again into, uh, not only the flipping process, um, helping and learning what my clients and customers were doing at the time. Um, but also, uh, to build my own portfolio moving forward. Um, and, uh, and if you're not investing into real estate, um, you know, or haven't been able to yet again, we have a great market to do so. And, um, and that's why we are here, uh, is to guide you through that process. Yeah, absolutely. And so, like Jeff said, I've been in the business about the same amount of time, about four and a half years now. And similar background, I got into the business, I actually got my real estate license and decided that, that wasn't for me, that I selected being a realtor. And so my loan officer who closed on my house was like, why don't you become a loan officer? And I was like, oh, that sounds like a great idea. I got my license and moved through the process and, and it's, it's been a, you know, um, it's been a progression of learning, learning different aspects of the industry. and I've, I've worked in different, uh, industries as far as, um, where a loan officer can work it. So what I mean by that is I've worked for a small, uh, a small shop. I've worked for a bank and I've worked for a big, you know, lender, and now I'm working as, um, under a broker. So I've had a wide variety of, of experience. I've worked in all those industries and I'm really excited about, you know, The, the side that I'm in now as a broker, I can choose the right loan product for my borrower. I don't have to go. I don't have to make my borrower fit into this lender's guidelines. I can take my borrower and find the guidelines that fit them so I can choose the right product for them. And I have a wide range of products that I can choose from. I'm not just limited to the standard straight. Conventional FHA loans. I have, um, non-traditional products, you know, all, all kinds of loan products that, um, I can help borrowers with. And that's, that'll be another episode that we can get into, but I really enjoy the space that I'm in. I really enjoy helping that first time home buyer. Um, who saved and has worked hard, has fixed their credit. And now they're ready to buy a home. And when closing day, that's just amazing to me when they actually get into that home and start building their wealth. That's that's what really gives me, um, you know, a joy and kick in doing this business. Absolutely. Absolutely. And it is a, it, it is wonderful. Um, you know, uh, I did have a couple of closings here just recently there, first time home buyers. Um, and, and just like you said, the joy and relief yeah. On their faces, you know, just by getting in and being able to move forward in their real estate journey. Right. Is, is. That's worth it, uh, that, that really truly is worth it. And, um, and as you were mentioning, yes, you being that flexible with your, um, uh, products that you do carry on again, a daily basis, um, you know, builds, builds in the flexibility for these folks. Uh, as you mentioned, um, you know, we do have surprises that pop up from time to time, and if we need to adjust or pivot a little bit, uh, again, having a resource for yourself, right. Uh, available. Again, knock PE not knock people out of the game. It'll, you know, again, give them another option to go ahead and take care of the business. Absolutely, absolutely. 100%. Correct. So again, I wanna thank everybody for being here and, and sticking with us and, and look forward to those ne next episodes. Again, you can reach us. Our information's gonna be below and the, the bio will have links to everything for you guys to reach out. Please reach out and call us. Um, don't, don't be afraid. get started. Take that first step, whether you're step where either buying next month, whether you're buying six months from now or a year from now, mm-hmm, it's never too early to start planning in preparation because honestly, the more prepared you are, the better that process is gonna go. In my opinion. Absolutely. Absolutely. And that is so key, you know, um, there have been many times here in the last couple years as well with the market market being as hard as it has been now that we've actually had to tell people that, you know, either they, um, are not qualified for what it is that they're looking for, or if it, what they do want to get into, they need to do this, that, and the other thing again, getting a to Z as to what it is that they need to go ahead and get taken care of. Right. Um, and that may. Gina, as you mentioned, you cannot buy or you just aren't be, aren't gonna be qualified for three months or six months or a year. Right. Um, and, and again, with the, uh, assistance and guidance of, of some trusted individuals like us, um, then again, we'll make sure that folks are gonna be in perfect position when it comes time to go ahead and get that offer on the table. Right? Absolutely preparation is the key. So use this as a, as a tool, reach out, give us a call. So any last final words before we wrap up this podcast? Well again, uh, appreciate us both being here. That's a great opportunity, but if you have any questions again for any property, uh, whether or not it's an investment property, a real estate, uh, investment, uh, if you're looking to, uh, purchase and or invest, um, please don't hesitate to give us a call, use the information down below. Um, I'm available here anywhere in North Carolina, but again, I focus in the triad and, uh, and Gina, I know you've got, uh, you've got North Carolina. And I believe you've also have Virginia and Georgia Georgia currently. Yes. Yep. I am currently licensed fantastic in those states. So I can help you if you are looking for a loan in those states. And if you aren't, I can find you the right person that can help you in your state. Wonderful, wonderful. That's it. Anytime that we can offer, uh, again, any assistance, uh, again, that's why we're here. All right. Perfect. We will catch you guys on the next episode. Thank you for tuning in till the next one. Thanks.