Guru Darcy Poulos with United Real Estate

Announcer: 0:01

Advisors Mortgage Group is proud to present in these real estate gurus hosted by Rick Ripma and Ian Arnold the hard working mortgage guys, please contact Rick Annie and for all of your mortgage needs at HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com. Now here's the hard working mortgage guys, Rick Ripma, me and Arnold

Rick Ripma: 0:25

Welcome to Indy's Real Estate Gurus. were recorded today from the beautiful advisors Mortgage Group studio located right here in Carmel, Indiana. And I'm Rick Ripma, your hard work and mortgage guy I've been in real estate and mortgages for over 34 years helping over 5200 folks finance their homes. My team and I believe in custom tailored loans, not a one size fits all approach. We believe that there is the best mortgage for you, and we are the team to deliver it. And I'm

Ian Arnold: 0:52

Ian Arnold part of Rick's hard working mortgage team. I've worked in the financial industry for 15 years helping customers find the best possible financing. I work with you to build your credit or increase your overall wealth. My passion is helping you build your financial security and wealth for the future.

Rick Ripma: 1:11

And just want to remind everybody, if you have any questions and want anything up to date information on the mortgage on mortgages or the real estate market here in Indiana, just go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com or 317-672-1938. That's 31767 to 1938. And we're very excited today to have Darcy and Darcy How do you pronounce your last name just in case I miss pronounce it. Polis polis. Perfect. And here with liberated real estate?

Darcy Poulos: 1:43

Well, I was with Lieber Todd, now I'm with United,

Rick Ripma: 1:45

united.

Ian Arnold: 1:47

Did you get your facts straight?

Darcy Poulos: 1:51

I switched and I switched in December from LIBOR Tod, which a lot of people on title companies used to say LIBOR liberated all the time, but it's yeah, that was LIBOR time. Okay. And you're with who? United real estate united? Yes.

Rick Ripma: 2:06

United real estate. Perfect. Yeah. Thank you for joining us.

Darcy Poulos: 2:10

Welcome. Thank you so much for having me. I'm excited to be here. Well, we

Rick Ripma: 2:14

would love to hear about your background, you know, kind of before real estate where you were born, raised.

Darcy Poulos: 2:20

Okay. So I'm from Ohio. I am a buckeye. By no birth, I was born in Akron, Ohio. And when I was 10, we moved to the Cincinnati area to Mason, Ohio, right where Kings Island is a lot of you may know that. I have one older brother, and he's almost four years older, both he and I played tennis growing up, we had a neighbor who owned a Racquet Club in Kent, North Canton, Ohio, kind of a small town too. And we just we both played tennis, and we both had college scholarships. So that's what took me to Ball State. That's where I went to college, I studied exercise science and wellness. And I didn't really know what I want to do, as I think a lot of people don't really know what they want to do when they're 18. And they're going into college. And they expect us to decide what we're going to do for the rest of our lives. But I knew I liked exercise. I love older people and the geriatric population. So I had a minor in physical activity for the older adult. And then I went on after college got my masters in gerontology Study of Aging. Again, I thought I wanted to, you know, I wanted to do something to help older people ended up becoming a licensed nursing home administrator, I had some folks that I knew in the Cincinnati area that advise me to do that. And so I pursued that did a six month internship at a really cool place to get a lowest Alzheimer's center is the first freestanding dementia care facility in the US. And so I learned all the different aspects of basically running a nursing home. I learned at some point during that I was like 2324, I'm like, I don't think I want to do this. I don't want to run this place. And you know, it's a huge job. It's very daunting. It's a second most highly regulated industry after nuclear power, apparently. So, but I wanted I still was trying to help people and figure things out and how can I do this? So at the time I met my now ex husband, I needed a job and a galley knew from the nursing home, worked as a pharmacy technician. At one point, she's like, well, you can do that and you're still helping people and it's still healthcare. So I did that I ended up doing that it was going to be temporary and it was like five years. And then I became a stay at home mom, which is what I wanted to do. I had had my two boys and stayed home and then I went through divorce. So then my world turned upside down and had to reenter the workforce and went back to basically what I knew, which was elder care, and I worked at a homecare company as a scheduler here in Carmel actually then worked on for Rocksteady boxing which is a really cool program for people with Parkinson's it's a it's not in pet like they don't hit the face, obviously but it's like a on boxing inspired fitness program for people with with Parkinson's they've done a lot of research and found that the boxing the exercises boxers do help to slow the progression of the disease. So I did that. Then I worked at Riverview that was the most recent thing was Riverview Hospital, Noblesville, which is where I live. And I worked as a patient service representative for Diabetes and Endocrinology office. All this time, I was thinking about real estate. Gosh, for probably 10 plus years, I thought about how do I I liked the idea of it. I heard that it's about relationships and knowing people and connecting and that's what I love to do. And so I finally took the plunge in 2020.

Rick Ripma: 5:39

And how did you were a collegiate athlete and right, that's right. So what lessons did you learn and, and tennis that have? Yeah, helped out and translated over to?

Darcy Poulos: 5:52

So I haven't on my notes how to spike the ball hard

Rick Ripma: 5:57

to hear, like older people.

Ian Arnold: 5:59

They're easier to beat. Oh, is that?

Darcy Poulos: 6:04

That's hilarious. Um, so where can I find that? My notes?

Rick Ripma: 6:10

Challenge JC

Darcy Poulos: 6:10

Oh, okay. Okay, so, um, well, I mean, there are so many things I always say, you know, I learned so many life lessons. It wasn't just about tennis. I mean, obviously, I treated it, I was very serious about it. I was getting paid to play tennis and get my degree. So I treated it like a job. And but along the way, I was very grateful, very fortunate. And I'm very grateful for the opportunity. I had an amazing coach, Kathy Boyle. And then for three or four of us, so three others and myself. We all started as freshmen and went through our whole four years together. So I played number one doubles with Libby gurteen. Oh, she's married now. So she's my girlfriend. But anyway, she's also a tennis coach now or is a tennis coach. And then my, one of my best friends, Susie Wendel, we played together. And we've had these like parallel lives. So I'll touch on that probably later. But I learned so many things. I learned camaraderie I learned like the importance of work ethic, which I think my parents instilled in me from a young age, but it was just even more, you know, ingrained in me and then loyalty. One thing Kathy, my coach always said was that life is all about choices. And, you know, there, we make a choice every day to do to get up and do the things we do. And we have to, there are consequences to those choices. So I think that was a huge thing I learned I tell my boys that all the time. putting others before myself, you know, on a team, you're, you know, cheering for others. And if you might lose sometimes, but you're still cheering for your team. It's tennis is unique. It's individual. So it's, you know, you're playing, while singles is just you, but you're on a team. So, you know, I learned to put it all out there. Kathy often said, like, leave it out on the court, you know, put it all out there, wear your heart on your sleeve. And that's kind of who I am. Anyway, attitude is everything. That's another thing, just the power of a positive attitude. And so I think how it translates it translates into my life as a realtor, you know, I get out of it, what I put into it. And I have a choice every day how I'm going to go about my work, you know, I must be willing to live with consequences of my choices, good or bad. Hard work pays off. You know, it takes time and patience. I mean, you guys know this. And in our industry, we might start working with someone. And it takes months sometimes sometimes years to really before you have a transaction come to fruition. So, you know, just that determination. And you know, you have to stick with it and be persistent. So those are some of the things

Ian Arnold: 8:46

No, I mean, I fully agree with you because my wife was a college sprinter was a cross country runner and marathon and it actually sports and we we bring this into our kids is we get them into sports because it breeds a lot of not only your desire to want to be the best, right? But all right, if you were to lose, yeah, get angry, but figure out the way to get get to win the next time, right stuff like that. And I think sometimes I get lost on how everybody says every kid gets a trophy. But look, you have to overcome objections, just like as a realtor. Now you have to overcome objections. Absolutely. So I think that is huge. Now Rick did say that you didn't list this in any part of your story and I'm kind of sad and I'm more than happy to to have a talk with you later. But you have rescue pup no chance

Darcy Poulos: 9:39

ideal. Yes. I'm sorry. Rico I didn't mentioned I have. So I have my two boys, Isaac and Enzo. They're 12 and 10/6 grade in fourth grade and then I have Rico so prior to reek I have a heart for rescue animals growing up we had to rescue dogs. Then I we were never cat people but I rescued a cat and grabbed school he kind of like just attached himself to me. My house I was living in my neighbor's dropped had these cats dropped off to them. And he was kind of doglike. So he was kind of endearing to me. His name was Beamer and then a black cat with a white dot here. He was a spot he was like, it was like moonbeam. You know, like the beam of the moon. That's where that came from. And then we call them beamer because of Todd Beamer. It was right around 911. So Todd Beamer was one of the guys one of the heroes from 911. Anyway. And so then we had a couple other cats after that. And then I rescued Lola. She was like the love of my life, like the daughter I never had is what I said, adopted her when she was one. She died in my backyard. It was very sad, but it was like I was grateful that I didn't have to, like put her down or make that choice. She just my vet, Laci had a heart attack. She was sunbathing in my backyard and she just she she just died. She was like about 11 And then, you know, seven weeks later we adopted Ricoh. I have been so used to having a pet and my boys, we do 5050 Their dad nights, so they're gone for a week at a time. And I'm so used to coming home to a dog, you know. So we went and looked and we looked at different rescue groups. And one day we went to Petco and Carmel when they used to do I don't know that they do this anymore was pre COVID 2018. And it was Cinco Demayo. She was kind of funny, because his name was Rico. He's a Chihuahua. So I mean, it's just like, kind of perfect. And so my little guy was like, Mommy, look at this one. And I went in looking at this other dog, it was like a beagle mix, which we had a beagle mix grown up. So I was drawn to it. But it started barking its head off like crazy when another dog came in, and it like, I was like, I don't know if I like this dog anymore. So then Enzo went over to Rico. And I was like, I don't know, little up dog. I'm not sure about that. And we took them out, walk them around. He was just like the cutest sweetest thing. And he came home with us. And he's been with us ever since. Since Cinco Demayo 2018. That's coming up on five years. He was about two at the time. And he's so sweet. I mean, 99% of the time, he only occasion Well, if you've tried to get a toy or try to do something, he will like knit but he doesn't yell at people. He doesn't. He's just so good. And he just cuddles all the time. He's like a Velcro baby. So tell me your story.

Ian Arnold: 12:15

So my parents were divorced. But when my parents moved into Broad Ripple, they were signing paperwork and the guy goes, I think my ex wife left a cat there a week or two ago. So if it's there, you guys can just have it. My parents drawers, they said their jaws dropped. I said as soon as they left there, they didn't even go check out the house. They ran straight to the pet store got food right in there. And the cat was there. They said it was so skinny and everything. It actually still lived with them for another 12 years. And they their whole thing was we didn't move. We moved in with it. It didn't move in with us because it was already there. Yeah, it was it was the catch house until it finally passed away. It was just like, wow, you just left a cat there. Yeah, really?

Darcy Poulos: 13:05

Like that's not something you're expecting when you're moving into a place. There's gonna be an animal. Yeah,

Ian Arnold: 13:09

I know. We are coming up on the break. So Darcy, what is the best way to get a hold of

Darcy Poulos: 13:14

Yeah, so they can call me 31737 to 8717 or texted me that number. Email is so Darcy polis or sorry, Darcy P cares for me is my brand. So DP cares for me@gmail.com or they can find me on Instagram, Facebook, the same Darcy polis or GP cares for me, as well, polis, P O, U, L. O, S.

Rick Ripma: 13:38

That's important, because it's not easy to spell if you're bad speller. Like,

Darcy Poulos: 13:43

I get all sorts of variations. Yeah, it's Greek. So

Ian Arnold: 13:46

and Rick, how would they get ahold of us?

Rick Ripma: 13:48

Go to HardWorkingMortgageGuys.com. That's HardWorkingMortgageGuys.com or 31767 to 9038. That's 31767 to 1938. And after the break, we're going to talk more to Darcy about real estate,

Ian Arnold: 14:03

and her superpower,

Rick Ripma: 14:05

and her superpower, my favorite

Unknown: 14:09

superpower advisor advisors, mortgage brokers licensed by Indiana Department of Financial Institution equal housing opportunity. NMLS 33041 Rick Ripma NMLS 6649

Rick Ripma: 14:22

Hi, I'm Rick Ripma. With the hard work and mortgage guys and advisors Mortgage Group, where we believe delivering the best mortgage for you is why we exist and it's how we all succeed. We believe

Unknown: 14:31

honesty, kindness and hard work are how we honor each client

Ian Arnold: 14:35

at hardworking mortgage guys, we believe in custom tailored loans, not the one size fits all approach.

Unknown: 14:40

We believe in always presenting you with all your options. So you get the loan you want the way you want it. We believe in continually monitoring the rules, rates and market trends. So you don't have to we believe in working hard to meet your closing date so that your entire plan isn't upended. We believe in offering the same quick online process that the bar restore mortgage companies brag about whether you're refinancing or buying your first home. We believe

Rick Ripma: 15:05

there is the best mortgage for you and we believe we are the team to deliver it find us online at hardworking mortgage guys.com.

Announcer: 15:17

Brought to you by advisors Mortgage Group, where we believe the more you know about financing a home, the less stressful buying and refinancing will be.

Ian Arnold: 15:30

Alright, hey, welcome back from the break. And before we get to find out what Darcy's superpower is, let's ask her a question or the week.

Darcy Poulos: 15:39

What is the question of the week?

Unknown: 15:41

Now it's time for questions with the gurus

Ian Arnold: 15:50

the question of the week is sponsored by Hey, it's Rick and I the hard working mortgage guys if you're looking for a mortgage or have questions, definitely contact us we'll put a mortgage plan together for you whether you're looking to buy or refinance cash out, whatever, we will take care of you and put you on the right track. So go to hardworking mortgage guys.com Now, time for the question. What was your first car?

Darcy Poulos: 16:18

My first car okay, I love this. I asked this on my podcast. Yeah. My first car was a 1980 I think it was an 89 or 88 Nissan Sentra, it was read a two door and it was a manual it had like the stick on the you know from the floor. And I think it was only for speed. And it did this thing where you would get my dad like found it in Northern Kentucky. So we went down and got it and it was I mean, it was relatively safe. But it did this thing when you would like turn it would stall at the lighter power steering. So it like it was really hard to turn the wheel. Anyway, it was it was a fun little first car. So

Rick Ripma: 16:59

yeah. We asked that because we're both car guys.

Darcy Poulos: 17:03

Yeah. And I'm a car girl. Yeah, and

Rick Ripma: 17:05

you can't tell it.

Ian Arnold: 17:07

Whoa, why did she copy in our question or the week? Well, that's a big thing.

Darcy Poulos: 17:12

You got it from another podcast.

Ian Arnold: 17:15

But hey, we know

Darcy Poulos: 17:19

each other right? They're not copyrighted. That's right.

Ian Arnold: 17:23

I hope not.

Rick Ripma: 17:26

Something that was something form of flattery.

Darcy Poulos: 17:28

It is killing someone else. What is it stealing? Someone's like plagiarism? Plagiarism? That's probably the microfiche. I

Rick Ripma: 17:34

don't think that's the I don't think I don't think it's

Ian Arnold: 17:37

Hey, that's what I told my college professors. Plagiarism is

Darcy Poulos: 17:41

greatest form of flattery.

Rick Ripma: 17:43

I don't think that's what it is.

Darcy Poulos: 17:45

I don't think so. We're not encouraging players.

Rick Ripma: 17:48

So I think we should get on to what is your superpower or superpowers?

Darcy Poulos: 17:54

So? Well, my brand is which I know this is one of the questions but it's kind of tied together. My brand has Darcy P cares for me. And I think my superpower is truly like genuine care and compassion for people. Another kind of random funny thing is that I remember people's names and birthdays, kids names, usually the kids birthdays, too. It's just one of my things that I'm kind of like Rain Man. And that way, I guess that I remember those things. You know, I just I'm a relationship builder. I'm a people connector. I genuinely love helping and serving people. So I you know, invest my time and efforts into getting to know my clients learning what they want and need. And I strive to go above and beyond I educate my clients throughout the process. And I'm available for them. Not all the time, but almost all the time. You know, we have to turn it off sometimes.

Rick Ripma: 18:50

Yeah, I think people will say they're available all the time. I mean, it's nice to say but it's not really, I think setting parameters and having time from your family. Most people, the vast majority of customers, I think, actually appreciate that. When I get a hold of you, I know when I can't get a hold of you. And the reality is, the reason we say we're available all the time is because in an emergency situation, if you can, like for me, if you call after nine o'clock, you're not gonna get me. I mean, it's just because you're

Ian Arnold: 19:21

sleeping by 6pm

Rick Ripma: 19:25

or so very close.

Darcy Poulos: 19:27

Sleep is important. You gotta

Rick Ripma: 19:30

remember, she's on my side. She likes old people. All right. So there you go.

Darcy Poulos: 19:36

All right.

Rick Ripma: 19:40

So, with that, you know, you talked about your, your, your brand, okay. And it's Darcy P cares for me, right. Okay. What is that? Could you talk more about that kind of give people an understanding of why that is what that is your motto?

Darcy Poulos: 19:57

Yeah. I mean, once I got into Real Estate I start you know, you get to meet people and you learn that there's 10,000 realtors in Central Indiana, right. So, I used to say I'm trying not to say this anymore and I would joke this about joke about this with like mortgage advisors to that, like we're a dime a dozen. There's a lot of you guys, I don't know how many

Ian Arnold: 20:15

Oh, there's a lot less nowadays less. Okay, now they're dropping like flies. Oh,

Darcy Poulos: 20:19

and that's good. I like that, that Realtors too, I think are kind of, in a way weeding themselves out. You know, we have to find a way to stand out and differentiate ourselves. And you know, that's just something unique about me. I'm, I'm very you can probably tell I'm pretty like spirited type person. gregarious, I'm, I don't know, a stranger. I mean, I really do talk to almost everyone, unless they look really creepy or something. But I just I genuinely care. And that's, I think what does set me apart in this industry. And I take a lot of time I I invest a lot of time into what I do. I take it very seriously. You know, this is a huge purchase for people. It's most people the biggest investment they're ever going to make. And I don't take that lightly. You know, and it's, as we know, it's very emotional. And we sometimes serve as their counselor, their therapists, their, you know, their friend, there were so many hats, both of you know, mortgage and realtors. So I just, I take that seriously.

Rick Ripma: 21:22

Well, I think we should give ourselves we're not. We're not creepy. Yes. You're

Darcy Poulos: 21:27

not creepy? No. He should come on their show. They're not creepy.

Ian Arnold: 21:34

I don't know. I'm married. My wife goes. You're talking to other women? No, not like that, honey. No. So how'd you come up with that name? Well, we're the slogan. Yeah,

Darcy Poulos: 21:48

I mean, I was just kicking around ideas. And I think at first it was gonna be RCEP cells for me, but that sounded, I'm not salesy. I've always said that. And I didn't like that, where I didn't want sale cells to be in there. So excuse me. So I was talking to some friends and family. And I said, What do you guys think? And I think, so I can't remember who suggested it. But D'Arcy P cares for me. And obviously, it rhymes. I, you know, I, whenever I hear a clever name, somebody using their own name, first or last name, I think that's great. And we have to capitalize on what we have, you know. So that I don't know. That's why I came up with that. And then the logo is just very simple with a house and a heart. And I have it on my shirt. So it's been pointing to Yeah, I have it on my car. I haven't. You know, my dad's like, Are you sure you want to drive around with your face and your phone number and everything on your car? And I'm like, pretty sure I do. Like, I want everyone to call me. So you know,

Ian Arnold: 22:43

it's only mad. It's only a problem if somebody gets mad at you.

Darcy Poulos: 22:47

Watch how I drive very careful. That does.

Rick Ripma: 22:50

It always amazes me when you see somebody with their with a company name on the side of the vehicle. And they're, like, erratic. Yes. And they're causing problems.

Darcy Poulos: 23:01

Yes, no, I don't. I mean, I might internally say things, but I don't have like road rage or anything like that.

Rick Ripma: 23:06

That's a good thing. Although what puts you probably on the news.

Darcy Poulos: 23:10

I guess I say, I want everyone I don't truly want everyone to call me. That's maybe another conversation. I you know, we don't want to work with everyone. I mean, that sounds maybe sounds bad. But there's, you know, I think it's personality. There's so many things, you know, like not every Realtors for everyone and vice for you know exactly that. And same with lenders. I mean, I have relationships with multiple lenders, I think that's important and title companies and because not everybody's a good fit. Right?

Rick Ripma: 23:36

Right. So it's very true. And it makes it you've probably met people where it just wasn't a good fit. And it's not good. It's not good for them. And it's not good for you. So the best thing is, is to refer refer right,

Darcy Poulos: 23:51

move on and help everyone like it's a win win,

Rick Ripma: 23:54

right? Yeah. Yeah. I'm not surprised that that's what you came up with. Because it's the it's the overwhelming piece of you as to how much you care. Look at your background. Everything you do is about you care about other people. So it's I'm not surprised. That's what it is. Because it I mean, it's what who you are, right. So I know Ian is dying to ask a question. Okay, his favorite question. So go ahead.

Darcy Poulos: 24:21

No, wait to hear what it is. Questions. But don't ask me.

Ian Arnold: 24:29

What do you think is your most memorable deal? Oh, gosh,

Darcy Poulos: 24:33

maybe the one I just finished. I just we just closed last week. And it's a it was a friend of mine is a friend of mine. And she's going through a divorce. So it's there's a lot of elements to this. You know, she did a lot of the work. Her husband wasn't really participating in most of it. And so they've lived in this home for 16 years. Lots to pack up lots of things. Then they found out that There was a lot of deferred maintenance. So they had to do a lot of work like an inspection, things came up. And we had to do a lot of crawlspace repair work, mold remediation, foundation support, things like that, and then some plumbing and electrical. And it was just, it was very emotional for her. And for all of them for their, they have two teenage kids and, but all the way through it. I mean, she and I were in contact, and we talked, usually multiple times a day. And, you know, she had her good days and bad days. And she, you know, she would sometimes be like, I'm so sorry. And I'm like, you don't have to apologize to me for any of that, you know, this, it's like you get a pass or something, when you're going through something, it's very, it's such a hard thing, you know, either side, buy and sell. But I think it's sometimes especially for people who've lived in their home a long time, because you're processing a lot. And then she had the divorce. And, you know, so and I've been through that. So I can relate, and I was a shoulder for her a lot of times or an ear, you know. So it's just part of the job, you know, and I always tell people don't, don't apologize. But we made it like we all I think, you know, we all work together, I had a great buyer's agent, a great title company, and the lender, you know, did a great job. So everybody, like all the moving parts, that's an that's a huge part of real estate, I think we have to work together or else the wheels fall off, and the deal doesn't work out. Right? We're all a team that we're all a team.

Rick Ripma: 26:28

And it's really hard when what if one person doesn't just one of those groups doesn't see it that way? Right? Because just as you said, it's, yeah, that one might have had a little more emotion in it. But every single deal, every single transaction has a emotional component, right? Because it's a it's a very emotional. Pretty much every one every every one is not there might be you know, an investor who's not emotional in a business transaction. But if you've lived in the house, or if you have things going through in your life, and then it's it's a stressful situation. So the emotion is there. Right, right. Absolutely. And that's your job. Really, I think it's one of the biggest pieces that an agent has to deal with is keeping everything smooth and keeping that emotion under control and the stress down. Yes, absolutely. I think experience matters. I agree. And definitely, yeah, that's that's what, that's what I see. Yeah, no,

Ian Arnold: 27:31

hold on, Rick, I think we're coming up on the end of the radio show. So if people wanted to get a hold of you, Darcy, what's the easiest way? Yeah, I'd

Darcy Poulos: 27:38

say phone is probably the best and easiest. It's my phone number is 317-372-8717. You can call or text me. That's the best way you can email me a DP cares for me@gmail.com

Ian Arnold: 27:52

as well. up sorry about that. And Rick, what about you? How would they get ahold of

Rick Ripma: 27:58

you? And I it's hard working mortgage guys.com. That's hardworking mortgage. guys.com. Or you can call us or text? Well, now you can't text this number. You only call this number because this is our main line. So landline three, what it is a landline. 317-672-1938 that's 317-672-1938. So any questions that you have on mortgages or the Indian real estate market? You know, we if you need a good solid real estate agent, get with us. You know, tell us what show you listen to we'll make sure you weren't able to get Darcy's information, we'll make sure you get to Darcy. So, you know, we're here to help. And, you know, we would also appreciate if you would subscribe to our channel, so you don't miss any of these fantastic shows.

Ian Arnold: 28:43

And that is indys real estate. gurus.com. No, not.com sir.

Darcy Poulos: 28:52

That's the podcast is the podcast. Yeah,

Rick Ripma: 28:54

you hear it anyway.

Ian Arnold: 28:54

Yes. Yeah, absolutely. Yep. And we'll see you on the podcast side of the podcast.

Announcer: 29:03

You're listening to indies real estate gurus with Rick Ripma and Ian Arnold. To hear the conclusion of this interview, go to hardworking mortgage guys.com and hit the podcast tab. Branch NMLS number 33041. Rick Ripma NMLS. Number 664589. Ian Arnold NMLS number is 1995469 equal housing opportunity. Some restrictions apply.

Unknown: 29:26

Well, first off, thank you for joining us, Danielle. I appreciate it. And I just was curious, how did you come to find out about Rick Ripma and advisors mortgage? Well, I was looking for a mortgage for myself for a brand new home that I was building and I wasn't sure the direction to go. I didn't have anybody in mind. So I kind of just spoke to whoever I could speak to. I got their number and everything seemed to be exactly what I was looking for. So I went with them. The thing I liked the most about Rick and his advisors mortgage is that I could go and upload things online and I didn't have to always be on the phone with them or sending them documents or trying to look for certain things that I needed to get the process going, which was really great for me, I had a processor named Mark Coleman, who really helped me out in making sure I had everything I needed. Because I didn't know the first thing about having a mortgage. So it was awesome to have so much help. I think probably what I've benefited from the most is really just the understanding that sometimes I would get busy. And maybe I forgot to upload a document or I forgot to do a certain part of the process in a timely manner. And they would get right back with me. And it wasn't like a, hey, we really need this right now. It was always, Hey, just wanted to make sure you still remember that we need this. Well, you don't get that too much. In this day and age, it seems like most people are either, you know, very demanding of something they need from you. And they need it right now. And, and I agree. I've seen that in Rick's attitude with us over over the last 10 years that he's very patient, but also helpful to get the right things he needs. So, exactly. In conclusion is Rick Ripma and advisors mortgage, somebody that you would use in the future and or tell your friends and family about? Absolutely. And I just want to thank them for all the effort they put in to help me find my dream home.

Announcer: 31:17

Ranch NMLS number 33041 Recruitment NMLS number 664589 equal housing opportunity, some restrictions apply.

Rick Ripma: 31:23

I'm Rick Ripma, you can go to HardWorkingMortgageGuys.com.

Ian Arnold: 31:27

All right, welcome back from the pod from the radio side. If you selected this as your chapter you got here right away, congratulations, you get a gold star for the day. All right. So I know you talked about how you got in the business and everything. And one thing Rick and I really liked to always talk about it was like mentors who mentored you as you were going through the process?

Darcy Poulos: 31:49

That's a great question. I actually didn't tell you guys how I got into that. I can tell you that. Sorry to hear. Would you want to hear that now? Then I'll answer the mentor. I'm sorry. I'm totally trying to take over here. So okay, so in 2020, I had been working as this patient service representative at that Riverview very like it was a very stressful environment. It was a very like sick patients at this office. We were handling 150 phone calls a day just myself and another gal and we I was like beating my head against the wall. At the end of the day. I was like, What am I doing? I want something more I really wanted freedom of time, I wanted the like opportunity to make limitless income, be able to enjoy my boys while they're still young. That was a huge part for me, and having that not working for someone else, you know, being my own boss. So my parents decided to move they were retired and they decided to move to Indiana, which I couldn't believe my dad is like Ohio through and through. And somehow my mom convinced him they should do this. So they moved and at the time I reached out to my longtime realtor friend, Jeff and I can plug Jeff a little bit. He's a great guy. He helped me help them. I suggested my parents used to house the house three doors down for me what up and it was in the time of like summer of 2020 things were flying off the shelves. And so I I went down and talked to the neighbors, I knew them and I said my parents want about your house. And so they ended up getting it there were eight offers and my parents were kind of in the middle as far as their price. But there were other things. And my mom did write a letter, which we don't really do that anymore. But the letter really did help because it was the woman who the wife seller had also been very close to her grandparents. She had gone through divorce herself. This was her second marriage, and she just, you know, it resonated with her. And then at that time, I also said to my friend, Jeff, could you help me get connected with real estate, I want to get into this. So he helped me and and then I joined a large brokerage and learned after some time I was a transaction coordinator at first. And then I got I was on a team with two older guys. And it just wasn't like fitting, you know, and I think you get into the business. You only know the one company that you join. And when you start meeting so many other people doing deals with people and I really put myself out there networking and got to meet people. And the first deal I had was with Lieber Todd, they were on the bias or listing side. I was on the buy side. And that's how I connected with them and decided to join their brokerage. And then yeah, so actually speaking a mentor. So Kelly Ibanez she's the there's two women owner brokers, Deanna Bauer and Kelly Ibanez they're at LIBOR Todd Kelly has started that business 20 years ago on her own pretty cool. She was an amazing and still is, dear friend and a mentor. And just incur always encouraged me. I think a lot of it was mindset, because in this business, so much of it is that you know, we are can be our greatest fans, our own greatest and our Our biggest critic, right? Yep. So she helped me with that. And then also my current where I'm at now Chris and Val shear, they're the managing brokers of United real estate, fantastic, their husband wife, just so encouraging and have a lot of great educational things they offer there. They have a great energy and vibe there, which really is important to me, the culture so and they have a wonderful gowning Birgit Beale, I don't know if you guys know her, but she's fabulous. She is a licensed agent, and she did commercial real estate. But she put her license and referral and she's a coach. Now, she wanted to do coaching just for realtors. So she's been doing that. I can get your info. Rick, she's awesome. And she's from Germany, we connected and then I had already met United like, the same time I was looking at LIBOR, Todd. But then I met Birgit this, I don't know, six months ago or so eight months ago, and really connected with her. And she was doing these trainings at United open to all agents, which I thought was really neat. She teaches about mindset and procrastination and motivation and different things. And then she also does one on one coaching for United agents. So that's actually one of the huge reasons I went there was because of that, because that's important to me being coming from a team environment, being having a coach, I value that, and I think I need that. So anyway,

Rick Ripma: 36:31

mentors are extremely important. And coaches, you know, I kind of avoided coaches for for a long time, I didn't, I never understood the value. And now I have a coach, my son actually taught me the value of mentors. And he's to me, he's, you know, he was at IU and just mentors have meant a lot to him. And they've, I mean, he's, he's done extremely well, because of mentors. Yeah. And at IU with the programs he was in, actually, you had mentors, and then you became a mentor. So you're, you're doing that, and it's just phenomenal. What, they just keep you. They just keep you because you're so into your business. Least I am, I get really caught up, same Shut up, and I get really caught up.

Ian Arnold: 37:16

I wasn't saying anything you do get caught up at times, when we're busy, we're busy.

Rick Ripma: 37:20

That's what I do, you know, I get very focused. And so it's it really helps. And they guide you and they really help you. And so we're talking about that it's really good for us. But it's actually really very good for the people we work with, right? The customers, the clients we work with, because it makes us better. It focuses us on what's most important to them, because that really is what's most important to us and our business is what's most important to our clients and customers.

Darcy Poulos: 37:48

Right. Yes, I agree. 100%

Rick Ripma: 37:50

I just I think it's phenomenal. And I think it's very good when somebody recognizes that because it took me so long to recognize the value of a mentor. Absolutely. Yeah. To me, it's, it's great. So tell us about some of the biggest lessons you've learned in your real estate business.

Darcy Poulos: 38:11

Wow. Um, some of the biggest lessons, I think, I think a lot of it is I come back to mindset for me. I've learned about myself there. I've, you know, I've done a lot of personal development. I read a lot of things. I listen to podcasts that are really positive. Somebody actually, I think it was Kelly Abon. Yes, who taught me about affirmations. And I'm a huge believer in that, like, so I I listened to I try to daily listen to and then recite just positive affirmations. Bob Baker is one of my favorites. I don't know if you guys know who he is. He has a podcast, the Bob Baker affirmation podcast, I think. And it's just very simple things like about, you know, instilling confidence in yourself and reiterating that and that I typed out a whole list of them. But anyway, he's such a nerd. But that's a huge thing for me. And I've learned that I I need that like there. And I'm typically I tend to be I think my tendency is I'm a positive person. But even positive people like me, we can get down. And I think, you know, just recently I had a couple tough experiences like were one i a client, I ended up I hate to say I fired her, but she kind of meal it's kind of a mutual thing. We ended up parting ways. Let's say that. And I worked so hard for months, like with her and then she just kind of changed her mind at the last minute and we were really close to having an offer accepted and then it was like that was it and she was done and we decided to move on. She didn't really trust me when I was advising her and so that was a real it was just a tough blow. And I kind of beat myself up for a day or two about it and I was like you know Watch this. I can, again, it's a choice how I handle this. There was that and then another just a thing where I made a mistake, I sent somebody a report, it was a CMA and I just made a mistake. And she called me out on it. And this gal, it was a prospective client. And she was just kind of upset about it. And I said, you know, I'm, I owned up to it. I said, I'm sorry, I'm not perfect. I did make a mistake. I realized that after I did it, then it was, you know, I just put it was the information I had in there was not accurate. So I owned up to it. And, you know, I promise I will, you know, do my best not to do this again, and you can trust me, but she was a little skeptical. But she did say, Okay, I will, you know, give you another chance. But it's those kind of things like where you question yourself, and then you're like, Am I doing Am I in the right business? And because there's, it's every day, it's like, it's like, Thank you, sir, may have another you know, it's like, you get beat down a lot in this business. I mean, it's not it's not sexy or glamorous, real estate, like some people think it's not like the shows like the real reality shows with like, millionaire listings and all that stuff. million dollar listings. It's not like that, like HGTV either.

Ian Arnold: 41:12

I definitely agree with you sells jobs are crazy, like my wife and I, we have those conversations. And yeah, I don't know how you can do it. I mean, but the affirmation, as you were talking about is phenomenal. That you know, alright, this is what I need. Yeah, I just had 10 knows, I need to I need a couple of little pick me up. Let's go again. Right. So absolutely. What are you looking forward towards the future?

Darcy Poulos: 41:35

Yeah. Well, so one thing is my podcast. So I started a podcast as well. And I'm really excited about it. It's called deep dive with Darcy. So there's that, which I want to maybe talk about a little bit more here. And then growing my business, you know, I have been growing steadily. And so I have a goal this year of $5,000,000.25 transactions, and it sounds kind of big, but I'm like, I can do it. You know, I did a business plan for the first time this year. And that was very empowering, and just kind of looking at what am I wanting to accomplish, and I have to do certain things to make that happen. You know, I want to build my business to a point where, you know, I'm getting referrals, word of mouth, referrals, that's really important to me, because I think those are, I think the best way I can serve someone, and it's just gonna, you know, somebody already knows, likes and trusts me. So I think that's huge in our business, rather than just chasing down things, you know. And that's kind of where I said, we don't need to work with everyone. Sometimes it's not a good fit. And also, I want to invest in real estate myself. So that's definitely on my I have a plan this year of at least one like awesome. Yeah. So.

Rick Ripma: 42:49

So tell us more about your podcast. What do you talk about what is, you know, what are you working on that? What do you do to accomplish with that,

Darcy Poulos: 42:58

so I want to just have a podcast for a few years, that's something I thought about, and I listened to a lot of them and I just enjoy them. I feel like I get to know the host. And sometimes the guests, you know, and I, I just I love storytelling. And so the name of my podcast is deep dive with Darcy. So my guests includes small business owners, nonprofit organizations, and then there's a whole, like, just variety of interesting, intriguing people that I've encountered. I do, like I said, done a lot of networking. So I've met a lot of interesting people. And nothing is off limits, like there are no filters, we can talk about anything we want. There's a whole element of just diversity, equity inclusion, we talked about how do they get started in their business or organization? What's their greatest triumph or challenge? What are their hopes and dreams for the future, and then, and then we just tell their story. So we dive in deep to that, and then I want my listeners to be able to get to know the guests, connect with them. It's similar to how you guys I mean, I love it, like you want people to get to know the realtor. And then you want us to use that to promote and, and that's what I want people to do to i, and it's a win win, you know, you give something and you get something right now it's so yeah, and so I just decided to do it. I've been focusing this year on building my business by developing and fostering relationships with small business owners and nonprofits. And I'm just very passionate about that. And so I thought, why not? I'm just gonna do it, you know, and I think we need to, we need to build our business by doing the things that we love, and that are like, You love cars you love, you know, and you love the radio and, you know, podcast and the same for me. I mean, just doing this that's going to attract people just by doing those things and putting ourselves out there. Right. So I'm a big proponent of putting yourself out there. Yes. So I'm

Rick Ripma: 44:45

like you I love the story. Yes. I mean, that's really it's, it's, it's a ton of fun to talk to somebody and hear the story. Like we have with you. It's just really interesting. And I used to I still do some I should admit it, but I'll read obituaries and it's Yeah. Oh my gosh, I wish I had met them. Absolutely. Because I would like to know more about that the stories are phenomenal. And even then some people I've known and you read, you're like, How did I not know that? Yes. And why didn't I know? Why did I ask them those questions? I even with your own parents, yeah, you tend not to do. And so you know, after they pass, you're like, Man, I wish I knew more about this. It's like stories are very interesting. Yeah. And I think it's, I think it's a great thing to do, which would, and I also think what you're doing is similar to what we're trying to do. We're trying to help the real estate industry. Yeah. Right. That's the idea. And we're trying to help each individual agent. But beyond that, there's the your story can help agents that are struggling or agents that are learning and growing and trying to it helps, right. And what you're doing is you bring on business owners and things like that, their knowledge and their struggles matter. And if you get them out there can help people. And I know you're all about helping that's kind of your that's your MO

Darcy Poulos: 46:06

that's, that is Yeah, totally. Thank you. Yes. So it's,

Rick Ripma: 46:10

it's just really important. So what's one thing you want to tackle this year, personally, and or professionally?

Darcy Poulos: 46:18

Um, well, I think I had mentioned investing in real estate, that's something I definitely want to do. The podcast was a big thing, and I am doing it. So that was personal and professional. And it's still, like, we talked about off air, it's like, kind of a evolving thing with the podcast, because you kind of figure out what programs work and what questions you're going to ask. And that's okay. It's, it's a, it's, for me, it's a creative project. That's, I believe in that, like, are getting our creative outlets, you know, we're tapping into those. And for me, it was this, I also would love to write a book and I have ideas about it. So you know, yeah. So it's like, I just say, Just do it. Life is so short, you know, we got to enjoy it while we're here and, and take the bull by the horns, so to speak. So

Rick Ripma: 47:10

isn't it about just doing it? I mean, that's kind of what you're absolutely. For me, it's like, I'll think of something I'll think about and then all of a sudden, it's just like, use it, you've got to plan it and do it. Yes. You could, you could keep pushing it off forever and never get it done. But once you decide that's what you're going to do, you just have to put it in your schedule and start doing. Absolutely. And guess what? You don't do it? Well, when you first Yeah, right.

Darcy Poulos: 47:33

No, it's the way it is. That's how you learn to buy mistakes. And yeah, and then you just keep picking yourself back up. Another thing that I'm really excited about his commercial real estate. And so that's why one of the big reasons I joined LIBOR, Todd because that's what Kelly Ibanez does a lot of, but she and she helped me and taught me and I did a couple of leases. But I want to, I've decided I'm not an expert in commercial. But I do connect people well. So like, lately, I've been getting connected with commercial brokers, who I can refer business to. So I meet a lot of people that need a commercial person. So maybe I can't be the one to actually do it. But I can get a referral, which that's I mean, that's important. But to me, I want to be able to help them and then who knows what comes with that. So that's another person. Absolutely. And again, you have to find the right one because there's industrial, there's restaurant retail, there's a variety of, you know, just like in mortgages and real estate. There's there's specialties right? So,

Rick Ripma: 48:35

yeah, which is where I think a lot of people might not know that right? But we do there are very, you know, special special specialized. Yeah, definitely. Like I've had to and I'm sure he it has to is sometimes you get somebody wants, I'll have an agent want me to do certain thing. It's like, that's not really I mean, I can do it, but it's not really what I do. So you should really let's get you with somebody who actually does that. Yes. And they're gonna be much more effective at it than I Yes. Right. I agree. So for sure. Like that's really Yeah.

Ian Arnold: 49:03

So but so for your team wise, what are you looking at for your team wise, you look at growing? I'm

Darcy Poulos: 49:09

not I'm currently solo. No. Okay, so it's just me.

Rick Ripma: 49:13

I mean, I did not read the notes. That's what you say that oh, that's okay. I'm not gonna slap

Darcy Poulos: 49:17

his hand. Well, that's okay.

Ian Arnold: 49:19

I'm sorry. When font is 100 point font is hard to read 500 pages, but put it at 12 Point font will be good.

Darcy Poulos: 49:28

I just told him that I think this morning too. So no, it's okay. I am not on a team currently. I'm just solo. I'm opened I always this is a big thing about me that I'm very open to opportunity. So you never know I actually have I have another agent who's with a different brokers that I've been talking to about how can we help each other she's on the west side. I'm Northam in Noblesville. So you know it's kind of a pain sometimes to drive an hour for me to go do showings and vice versa for her so maybe we can help each other that way or, but you never know I just always say that you Never know what one connection or encounter might bring, and what doors might open. So I would never, I will never say never to being on a team or growing a team of my own. I don't know. But for now, I'm just growing my own personal business and helping people as they come along. I also would love to do some volunteer work, you know, with some of these nonprofits that I'm part of. So I'm not part of Excuse me, but that I'm connected to. So yeah,

Rick Ripma: 50:28

well, I'm guessing and this is a thing when you when you look at a team, you're thinking, kind of a normal, organized team, but I'm guessing that you are you I know, you look at it as a team. So you're definitely have a team when somebody's buying a house and you're working. You looked at that as a team, I'm guessing in your office, or people that you work with, they are there. So they are part of your team. Right. You know, it's just not a formal team. That's right. That's a good point. So yeah, because you have the you, first of all, you believe in mentors, and you and you and you work with mentors, and I'm guessing that you probably are a mentor to other people. So you a lot of times when we think we're not on the team, we actually do. Yeah, I find that I I'm more of a lone wolf.

Darcy Poulos: 51:15

Yeah, I love that expression. I always used to say that about myself, too.

Rick Ripma: 51:19

I like having people around, you know, a little bit, but I think, you know, I've always been okay, but you know, on my own or, you know, I've eaten I have an assistant, you know, we have we have a team, but it's, we're still kind of lone wolves when you say,

Darcy Poulos: 51:35

Yeah, I mean, and you each kind of do your own thing, correct. Yeah, that's okay. But you still worked well together.

Ian Arnold: 51:41

But I will say this. The office so much better than just sitting at home? Yes. Because at least you can talk to an adult face to face. It's weird when you're at home and you're just like, staring at a screen? Yeah, at least a water cooler.

Darcy Poulos: 51:56

Yeah, absolutely. I do a lot of I mean, I don't go to my office all the time. On occasion I do for trainings and things. But I work out of coffee shops a lot. Which you know, I love those and, and that way you get to meet a lot of people too. But yeah, it because I'm on the go a lot as a realtor so

Rick Ripma: 52:15

well, we're running out of time. So Darcy, what is the best way for somebody to get a hold of you?

Darcy Poulos: 52:19

They can call me at 317-372-8717 or text me? My email is dp for Darcy polus cares. Car II s for me FLR me@gmail.com or Instagram Facebook with my name, and it's P O U LS? Yes, I

Rick Ripma: 52:38

that's Polish Bella or Poulos,

Darcy Poulos: 52:40

I guess. Authentic Greek people say pull us but I'm like third or fourth generation so

Rick Ripma: 52:45

you don't do it that way. If you need to get all of Ian or I, it's HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com or 317-672-1938. That's 317-672-1938 Please make sure you subscribe. so you don't miss any of our shows.

Ian Arnold: 53:04

And reminder if you know any friends, family or coworkers looking to buy, sell, refinance, get in touch with Rick and I will be more than happy to help them. Thank you and have a wonderful week.