Indy's Real Estate Gurus
Nov. 14, 2022

Guru Deb Taylor From Black Diamond Homes

Guru Deb Taylor From Black Diamond Homes

Deb Taylor from Black Diamond Homes joins us today to tell us all about him

To Contact Deb Taylor
call or a text at 317-523-9057
Email-- deb@homewithbdh.com

Contact Hard Working Mortgage Guys

Rick Ripma  Call or Text  317-218-9800
Email--rripma@advisorsmortgage.com

Ian Arnold Call or Text 317-660-8788
Email--iarnold@advisorsmortgage.com

Transcript
Rick Ripma:

We're joined today by Deb Taylor, a guru Indy's Real Estate. She had been around for quite some time in the real estate industry and she just opened her own boutique real estate brokerage. And that's a lot harder for me to say than it is for most people to say, but you have to listen, Deb has tremendous information. She is a phenomenal agent. And I think you'll really enjoy the show today. Thanks for joining us.

Announcer:

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 hard working mortgage guys.com That's hard working mortgage guys.com. Now here's the hard working mortgage guys, Rick Ripma. And Ian Arnold.

Rick Ripma:

Thank you for joining us. I'm Rick Ripma, your hard work and mortgage guy.

Ian Arnold:

And I mean, our know that we're both with it Adviors Mortgage Group, and reminder to check out all of our podcasts. And if you can't catch this whole interview, which is going to be phenomenal. Go to Indian real estate gurus. And if you have any questions about anything, just feel free to email us or go to our website at HardWorkingMortgageGuys.com. That is HardWorkingMortgageGuys.com.

Rick Ripma:

Deb, thanks so much for joining us today. We appreciate it very much.

Deb Taylor:

I'm excited to be here. Thank you,

Rick Ripma:

you know, I I've had you on the show before as long time ago. And you've when you look at your numbers and how well you've done, you've just you're phenomenal. You're doing a phenomenal job, you have a phenomenal business. It's just unbelievable. Congratulations.

Deb Taylor:

Thank you. And it's exciting to open up this brokerage, I've had the honor and pleasure of working with some very talented real estate agents who were willing to share and mentor. And that's what's brought me to where I'm at today. So it's been quite a journey. And I'm excited for what we're facing right now.

Rick Ripma:

Yeah, it's kind of a it's an exciting market. We've come we all our markets, I mean, you every time I talk to you, you have a good attitude, you're always everything, you're always upbeat, you're always excited. And that's, that's important. And it's no matter what market it is, there's ways that you can help people

Deb Taylor:

exactly, no matter what the market is, you're always going to have someone who needs to sell their house for various reasons, and someone who needs to buy for various different reasons. And and that's true in any kind of market. So the people who got into real estate, who thinks, oh, it's easy, I can do this. If they can't, then the down markets, they don't know how to sell or you know what they need to do as far as being strategic and with their buyers and making their offers and so forth. So. So there's a lot to be learned through the years. But it's not as easy as everybody thinks. There's all kinds of obstacles, and there's all kinds of things that you don't think about that they don't show you on HGTV. Yeah,

Rick Ripma:

that's funny, the HGTV does what you see how many houses and then well, yeah,

Deb Taylor:

on House Hunters, which is, you know, a show that probably almost everybody has seen and including myself, and it is fun. And they show you three homes and you make a decision. No.

Ian Arnold:

I think what I look for because I bought my first home in 2013 I think I looked at probably about 10 or 12 homes. So yeah, and it was still a lot of this one or that one or sort of deals are and you still don't know if you get it because you never know if your offers accepted.

Deb Taylor:

Exactly. Yeah. And this was a little bit crazier market that we were in it has changed but it's still a good market. Now a lot of times you're gonna hear especially right now the comparison to the oh eight crash. The biggest difference in oh eight versus now now the mortgage industry or the appraising was done differently. Mortgage was done differently. That's been corrected, thank God. But in oh eight there was just a flux of inventory. And we are still in an inventory shortage. So it's still a good seller's market. It's not going to happen as fast as it was you're not going to have as you know 1015 20 offers and yes, that did happen that you were up against. So it was very defeating. But all those buyers out there that didn't get a home who got you know, defeated in offers are going to still be needing a home and they're not going to have that competition that they had. So it's an excellent market to take advantage of right now. Just need someone who can guide you through it.

Ian Arnold:

So I know Rick Rick's met you before and everything so how would you actually get into being a realtor?

Deb Taylor:

Well in I had my own training and development company where I worked with teams and helping them learn how to communicate better and take it to top notch and as in any kind of down market whenever there's training and develop they're the first to be cut. And so from that I decided I'd go into real estate in oh eight perfect market. But you know what, it's a great time to learn through that because one there's not as Any realtors out there as there is today and there will be less in the coming year probably than there was in the beginning of the year. Because it's not easy, especially in a down market, you've got to be very strategic, you've got to learn how to sell. And if there's different avenues you're gonna have to take, how do I sell bankruptcies, those type of things. So it's not just something you just come in and show a few homes and you're done. How are you going to set yourself apart from other agents that are out there, and they're going to be hungry too. So you're still going to be competing. And that's what I like to separate myself from. So my, my expertise was in communications, so I know how to talk with people. I never will forget a story where I was calling on someone who had an expired selling, and it was a beautiful home, you know, it's in Boone County, you know, acreage, pool everything. And I asked him, Why do you think it didn't sell any cars? That's a great question. I haven't heard from my realtor in six months. Whoa, wow. And that is a true story.

Rick Ripma:

So that's crazy. Yes, yes, that's somebody who doesn't understand the business. They're just they think you just put a sign up, and it sells Exactly. And

Deb Taylor:

there's so much more now are there realtors out there and companies who specialize just in that there are, but that's not who I am. And that's not the company that I'm building now is I'm all about quality and service, whether it's a buyer or seller, it is a huge investment, it's probably the biggest investment most people make in their lifetimes. And it's an honor for me to get to work with people like that, to help them through it, whether it's your first home, or your fifth home, you still need someone guiding you through it. Because there's so much to think about, and not just not just the selling, you know, the safety, you know, are you comfortable people going through your home? Let's you know, a lot of people thought with this last mark, well, I can sell it myself, until they actually realized what they were up against. And it's not just the selling part. Yes, you finally get an offer. Great. It's a great offer. And then you have the inspection. How does that go? And inspections I've seen making break sales, right? And as I remind either work from working with the buyer or the seller, everything is negotiable. We're not going to go after everything. You know, we're going to meet in the middle sometimes. So

Rick Ripma:

yeah, and it is everything is negotiable. And like you said, if you're trying to sell it on your own, you have the inspection can create all kinds of problems, the appraisal can create problems. I have always liked to have that person like you in the middle of it, so I don't have to deal with it. Exactly. I want somebody who knows what they're doing. Because the reality is that as a buyer or a seller, you are emotionally involved in it. Yes. And you need somebody who is not who knows what they're doing, who will give you honest, accurate advice and guidance

Deb Taylor:

My number one job is to protect you. Here's an example of how a realtor did not protect their client I was actually helping him relocate here and his own real estate agent they said there was water problem in the basement and that there was running water and I asked my son What have your water bills gone up now they're exactly the same. Okay, they're watermarking you know that's shown you know anything Nope. But his real it or didn't fight for him in that particular instance and it cost him $5,000 There is absolutely no way I would have let that go right you know, that's someone who wasn't protecting the client now it wasn't in even in Indiana but it can happen you need someone who's going to look out for you no matter what it is. And what what do you fight for? What don't you and exactly like you said it's very personal to the seller maybe they've brought their kids up there they have all these treasured memories you know, it's it's you know, it's personal and it hurts and and you know, he didn't want to defend it and sometimes we have to help them let go right and pick your fight which what are we going to go for get you through it get to the closing table and then people can relax?

Rick Ripma:

What's almost anytime you're selling the house? I think I'm trying to think of all the situations people sell houses and almost every single one of them has a lot of emotion attached. Yes. I can't think of any that don't you know if you're getting divorces on your house? There's a lot of emotion attached? Yes. My we had to tell my my parents house there was a lot of emotion attached even though my parents didn't have the emotion attached because, you know, situation. The family had had their most emotions attached. So pretty much every situation requires somebody who is it's not that you aren't emotional, but you're not. You're able to step back and help people see the bigger picture not that detail.

Deb Taylor:

Exactly. And that's that's what I'm supposed to do. I suppose to help you and guide you each step as we go. You know, through you know, we get the offer. What's the best offer sometimes the highest offer, believe it or not, is not the best offer. I saw this time and again, especially With with investors who were, you know, cloud who were just in the market huge this summer, buying up homes that they're going to rent. And you know, and they would offer great offer. But then an inspection time they'd nickel and dime you. Oh, okay. So and then, you know, especially and some of the poor folks who got hit with that were trying to do it on their own. And usually, they're not fighting for anything. So they just say, okay, whatever, we'll go with this, and it could cost them a lot of money. Because they don't know any, they don't know any better, you know, that comes off their bottom line. So yeah, you can do it on your own, or your most people, what they find is they have lost money by not using a realtor. Either they didn't negotiate properly, or they lost money on the inspections, or they're using in a company where they come in, and they, you know, will make you an offer is going to be really good. And you decide, you know, you can't get out of it without paying quite a bit. And there's a lot of hidden fees. So that initial offer may look good. But it's not always the best one for you.

Ian Arnold:

And this guy, just really good send, an average person might buy two to three homes, on average and a whole entire lifetime. Yes, where, alright, so you only see that transaction a few times where you've seen this, these transactions countless times, yes. So you're ready, if something does come up, you're able to have an objection to it in a solution to that.

Deb Taylor:

That's what we do. We saw, I've always been someone who if there's a problem, there's a solution. I'm a fixer, that's good and bad. But anyway, you know, that but there are things like, you know, one thing that I want to do is bring in the experts, when we get an inspection that's really bad, like the insistence on the plumbing and the water meter and all that, you know, you bring in somebody who can say, look, we've had this tested, there isn't anything I can show you bills for six months in a row, there wasn't any increase in the water, you know, there was, you know, those type of things. So you can have it on, on paper, right. And then you have to watch the dates like crazy, because you know, each contract, there's a certain amount of time, you have to get that and well, you better be watching those dates, because you don't want that to go by because then you've just accepted whatever it is. But you can always ask for an extension, whatever. And you've put that in the contract also that you've accepted. So you can you can get the experts and get the solution. And then you can present it with figures, which makes a huge difference.

Rick Ripma:

Yeah, it helps to have somebody who has the knowledge and the experience because you have the people who you can bring in yes to, to walk them through and people you trust and that you've worked with, so you know, it's going to happen. Plus you keep track of the detail to make sure that you don't miss because I have had customers where that they missed the date.

Deb Taylor:

Yes. And, and if, you know if I double check, triple check I haven't written down and, you know, so that I know exactly when it's due when we have to have a response by and make sure that the sellers know those dates, you know, and to really track that also, so you got to keep on top of things because it can cost you big time if you lose if you miss that date.

Rick Ripma:

Yeah, it's critical. Very critical. I would like to go back and maybe talk about your past a little bit. Did you did you grow up here in Indiana

Deb Taylor:

or I grew up in Crawfordsville, Indiana, Okay, nice little community. And it was it was a great place to grow up. I you know, I visit frequently and it's changed quite a bit, but it's, you know, it's a nice place to work. My very first job was detasseling corn.

Rick Ripma:

You know what, there's a lot of people in Indiana that was their first jobs you know, and I didn't realize

Deb Taylor:

how prevalent it was until you know, when Facebook first came out and you got in touch with all your old high school friends and that was one of the biggest subject Yeah, I did detasseling of corn and I did that up and through till I was ready to go to college. So

Rick Ripma:

wow, that's I never did it. But that's a lot that's hard work.

Deb Taylor:

It is very hard work. But you know, the end you got like two or $300 And wow, you are

Rick Ripma:

gonna have a good year in school. Prices were different. Yeah, definitely. Yeah. My sister and I did it i She hated I mean at first the first few days was you know, as anything off hard because you aren't used to it and I guess well, you have allergies right? So I have allergies

Deb Taylor:

and I'm a redhead so I have that next day coloring and you know Yeah, and those days you didn't weren't there wasn't sunscreen, so you wear long sleeves and all that fun stuff. So

Rick Ripma:

which kept you nice and cool. Yeah. Oh yeah. The sun. And then from from Crawfordsville did you come right in Annapolis or how'd you end

Deb Taylor:

up I went to school it was Indiana central the time okay, I went there and so I had a good time there and then got married, had kids and finished I got a match. I got a degree In business communications later on, and that's how I developed my training and development company.

Rick Ripma:

Awesome. Well, after the break, we'll talk more with Deb Taylor about her business and about what really separates her from, from the vast majority of real estate agents out there. If you have any questions or would like to get a hold of us HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com and depth I need to get a hold of you. How would they do that?

Deb Taylor:

3.75239057 or deb at home with bdh.com for

Unknown:

advice advisors, mortgage groups licensed by Indiana Department of Financial Institution equal housing opportunity. NMLS 33041 Rick Ripma NMLS 6649

Rick Ripma:

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:

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

Ian Arnold:

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

Unknown:

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 bookstore mortgage companies brag about whether you're refinancing or buying your first home, we believe

Rick Ripma:

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

Announcer:

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.

Rick Ripma:

Welcome back, and thank you so much for joining us.

Ian Arnold:

I'm Rick Ripma. And I'm in Arnold and we're both with advisors Mortgage Group. And we're the hard work and mortgage guys that we are really trying to be. Alright, so if you did miss the first 1520 minutes of listening to Deb talk about how her company is a little different and makes her so such a great realtor. Catch us at Indie, real estate gurus, podcasts or if you have any questions for Deb, what would be a good number for them reach you at

Deb Taylor:

317-523-9057.

Ian Arnold:

All right, and now it is time for question of the week. Now it's time for questions with the gurus. The question of the week is brought to you by advisors Mortgage Group where we fit your mortgage to fit your needs. Contact us today to get a free mortgage plan. Go to hard working mortgage dies.com That is hard working mortgage guys.com. So the question we'd like to ask everybody. What was your first car?

Deb Taylor:

It was a Dodge Dart Swinger yellow. Yellow. Yep, I called it the banana. But yep, they saw me through college. And so

Rick Ripma:

that was a great car.

Deb Taylor:

It was a great car, you know, but you had to do things like roll your window down by yourself and it didn't have air conditioning it had vents that you open up a little doors.

Ian Arnold:

So did your parents get yellow just so you are more people would see you on the street

Deb Taylor:

I think had more to do with the price of

Rick Ripma:

my first car my my parents had a gremlin it was yellow. And then the first vehicle I bought was a yellow jeep. At the time they were called CJ fives but what everybody thinks it was fun color. Color and it's what what a great car though a Dodge darts swing or that was a that was a cool car

Deb Taylor:

dodge darts swinger. Yeah. That really was the name of it. My husband didn't believe me. And I said, I you know, Google that showed him see.

Rick Ripma:

I knew it was a real name of a car. That's how they called it. Yeah, that was a that was a great car.

Ian Arnold:

I felt like the oddball never had a yellow car.

Rick Ripma:

Well, it doesn't. You are the oddball but yeah, okay. All right.

Ian Arnold:

So we were going through about everything with you about how your company and how you got into it and everything. So let's get into a little more fun thing. Okay, so when you're not selling homes, what did people catch you doing? What's your hobbies?

Deb Taylor:

Yeah, our family is really the number one we enjoy. We have seven grandkids. Wow, that's awesome. So relations. Yes. And you know, we know life just kind of rolls around our family being together. We put it in a pool because the grandkids are getting older. So you know, we wanted to bribe them. We're big into bribery. keep on coming back to Grandma and Papa So yes, we put that in and we've had a lot of fun with that. And then boating, we've gotten the boat and, you know, pull the kids and things and so it's almost everything revolves around our family. We're very close knit.

Ian Arnold:

Are you gonna adopt you know the grandkids because

Rick Ripma:

she's got lots of bribes. That sounds like the

Deb Taylor:

name of our boat is grandkid bait.

Rick Ripma:

It's awesome. You have a late comer is it?

Deb Taylor:

Now? Now we like to go to like Mississinewa. And after you learn how to say it, it's great. Where's that it's up by Peru. It's a nice beautiful lake. Usually not a lot of traffic. So although this year, we're going to try to come home a little bit closer to one of the reservoirs. So whichever one we can get in.

Rick Ripma:

Yeah, the reservoirs can be fairly busy. Yes, they are. Especially got I actually I don't have a boat. But it just seems like when you go by guys there are there's almost no water. It's all boats side by side. Yes. These like at times. So I

Deb Taylor:

think we're going to try Morse Yeah,

Rick Ripma:

I would guess that would be? I don't know, but it seems like it would be a better as long as it more seems like at times it gets low on water.

Deb Taylor:

Like be true with any Yeah,

Rick Ripma:

I guess Yeah.

Deb Taylor:

So but yeah, we have a lot of fun with our grandkids, whether we're doing that or, you know, at the pool. We do Christmases, big events, you know, when we get together, you know what's really funny, a lot of people, my my friends, my age are all wanting to downsize and they said, Are you going to downsize? I said, Are you kidding me? There's almost 20 of us when we're all together.

Rick Ripma:

And you actually have a daughter in law who works with you?

Deb Taylor:

I do, Casey. And she's, she takes the same approach? I do. It's very personal. She takes really good care of all of her clients. So you've trained your Well, I have Yes. And that, you know that it's we kind of kid about that. But, you know, I always remind yourself, look, this is the you know, it's an honor to help people with this process. Because, again, it's the biggest investment most people make, and they need to make, you know, make sure that they're being handled correctly. And, you know, with everything that we can give them, I

Rick Ripma:

think to me, you know, calling yourself a boutique real estate brokerage, the boutique kind of says something about the type of experience you're likely to have.

Deb Taylor:

Yes. I'm not a transactional real estate agent. I mean, my clients become our friends. You know, I, you talked about adopting you Well, that's how my clients are, you know, and that's how Casey's clients are. And when we can give them a lot of personal care, you know, and get them through whatever we need to get through whatever obstacle we're facing. You know, whether it's a down market and up market, multiple offers, struggling to get offers, what are we going to do, and we take a very team approach. So if I'm helping you sell your house, it's not going to be just me, I'm not just going to put a sign in the yard, I'm going to give you specific things to do, and how to share and so forth. So that we are working as a team, we're going to talk every week,

Ian Arnold:

you made a family, your work as a family. That's right. That's how your company sounds like

Deb Taylor:

very much. So yes. So

Ian Arnold:

go ahead. Oh, so normally, where do you if somebody wanted to meet with you? Do you guys just meet at a local coffee place, or I know people selling homes, usually you want to meet them at their home, right? If I'm

Deb Taylor:

meeting buyers, it's nice to interview them ahead of time to save me from sending them because I personally am going to look at all the homes I send you. I just don't sign you up and put you on a on a mailer. I'm going to look at the homes and see does it kind of match what we say so I need to get to know you what is important to you where do you really want explain the market, whether it's up down or like it was we just experienced crazy what to expect because I want them to know what to expect. And so explaining it ahead of time helps rather than well gee, I didn't know there was going to be 15 Other people putting offers in on the same home, you know, explaining what we're up against. If it's a seller, they need to know hey, you know you're not going to get multiple offers right now we're going to price it fairly we're going to get the most that we can out of it. But it's don't expect this and it might be on the market longer than an hour.

Ian Arnold:

So what areas do you in rail and Indianapolis Do you service the most?

Deb Taylor:

Or I would say the Northwest the most but you know you go where your clients are and where your referrals are. So I've sold in Greenwood I've got I actually since I went to school there and you know, first part of my life there. I know the Greenwood area very well the south side. So there's things like that and also there, you know, I've got some younger clients who want to be downtown. So I've you know, you learned you learn your market now obviously I saw more in this Northwest, you know, area but

Ian Arnold:

I mean, it's a nice thing about Indianapolis. I mean, you can basically be anywhere in roughly 3040 minutes. Yes. I mean, understand if you don't want to driving all the way to Fort Wayne every day to show houses. But especially around this area. I mean, I live in mccordsville. And I can get from there to here in about 40 minutes. And we're in Carmel. Right? So I mean, that's not too far of a drive to show. It's a

Deb Taylor:

great area mccordsville Oh, it's really an up and coming area right now. So went up like crazy. Yes, it is. Yes, it is. Now, I did actually help someone because as a broker, you're licensed for the whole state. And I had a client that I helped them with three or four homes. And she was moving to Evansville. And she did not want to buy a house without me and I did go down. That was much harder because of the way the markets are. But I got the brokerages to cooperate with me. And we got it done. So great little house. But I don't do that for everybody.

Rick Ripma:

What you just said is what I found all of the Guru real estate agents try to avoid that. But sometimes you have no choice because your client wants you to do it. And you just have no choice. You have to do it. Exactly. She

Deb Taylor:

didn't have any family or any friends. And she you know, the trust factor was there with me. And I was honored to do that.

Rick Ripma:

So yeah, that was fantastic. And knowing you, you learn the market, I'm guessing, and you knew the market very well. And so she was well served by having you with

Deb Taylor:

us. They Yeah, the only the hardest part was getting, you know, the right inspectors. You know, that was the hardest part. But I was able to call on some company brokerage companies that I knew that I could get referrals from so yeah, it's a little bit different approach where here, I've got lots of, you know, resources and trusted resources. But there I had to rely on other people. But I went through, you know, another good brokerage company for that,

Rick Ripma:

right. So if you know how to get Yes, the information you need to help help your client out. And sometimes that person just wants to work with you. And as much as you would like to, you know, you don't think you're gonna be able to serve them as well as you could if they were here, sometimes you have no choice and you and you do it, and I'm sure they were happy, very happy. They weren't

Deb Taylor:

i It would be much harder to try to sell a home. I don't think I would sign up for that, because I couldn't give them the services that they needed. But I would guide them through hiring. Right, right.

Rick Ripma:

Right. Yeah. So you could and and I think that's part of what sets you apart is that you're it's a small boutique firm. So it's you really catered directly to people. Yes. And you're able to help them out. We're, we'll continue on with the podcast, but we are at the end of the radio show. We're just about if you need to get a hold of us or would like to talk to Esri just go to hard working mortgage guys.com. That's hard working mortgage guys.com. Deb if they needed to contact you about real estate, how would they do that?

Deb Taylor:

My number is 317-523-9057 or dead at home with bdh.com which is Black Diamond homes.

Rick Ripma:

Oh, is that what it stands for? But you know what? I think I remember seeing the logo. Yes, Black Diamond, Diamond homes? Are you a skier?

Deb Taylor:

I am not. But well, I would look more like the agony of defeat. And I know you won't know what that is, but I know you do. So but it means an expert hill and you know, the expertise level. And that's where we're at

Rick Ripma:

total sense. Well join us at Indy's Real Estate Gurus.

Ian Arnold:

Yep, the podcast and I'll have it bookmarked.

Rick Ripma:

Indy's Real Estate Gurus.

Announcer:

Branch NMLS number 33041. Rick Ripma NMLS. Number 664589. Ian Arnold's NMLS number is 1995469 equal housing opportunity? Some restrictions apply?

Unknown:

Well, first off, thank you for joining us, Daniel. I appreciate it. And I just was curious, how did you come to find out about Rick Ripma and advisors mortgage, oh, 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 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 very demanding of something they need from you and they need it right now. When, 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:

Ranch NMLS number 33041. Ric witness NMLS number 664589 equal housing opportunity, some restrictions apply. I'm Rick Ripma, you can go to hard working mortgage guys.com.

Ian Arnold:

All right. Welcome to all those who were listening on the radio and decided to hit listen to more about this incredible story and incredible family business that Deb has going on. So, Deb, you're talking about how you were able to talk to your value, basically your difference between your company and the others and how you make it more friendly. Make it more family like and everything. So where do you see your business going? And where do you see your future?

Deb Taylor:

I think we're going to continue to grow i I'm steady right now. I've got clients right now I'm working with and selling and getting helping clients get ready to sell. So even though the markets a little scary right now, I can make it unscary for them, and help them through whatever it is that their concerns are.

Rick Ripma:

Yeah, and it's scary. But the reality is the market. There's a lot of I think, I don't know, Are they scared because of rates? They scared because of what's the fear?

Deb Taylor:

I think right now, you know, the fear is the confidence level of where they're where they're at, economically. I think the scare is also, you know, the rates, you know, going up, and I remind them that historically, they are still low. And that EA can always go back when rates do you know, come down? You know, six months later, if that is correct, isn't it that they can come back and refinance for a lower amount. And so that helps put away those fears. It's a good time to be buying right now. Because you're not got the competition that you had earlier this summer where it was just crazy. So it's a great time to buy.

Ian Arnold:

Yep. And then I mean, that's something to keep in mind. Especially as we all know, wintertime and stuff, it slows down a little bit. So again, like you said, people aren't putting in as as many offers right. Now, once spring and summer starting to happen. What happens again,

Deb Taylor:

I think we're gonna see, again, because inventories low, it's that means that means it's a seller's market. And so, you know, we will see multiple offers again, I do believe that.

Ian Arnold:

So, again, like what, Rick and I like to always say, Look, if you find the right house out there for you go get it. Yes, you can always change your rate later. But let it Don't Don't miss out on a house, especially when you can have the upper hand for a little while.

Deb Taylor:

Exactly. That's exactly true. On my site as well. And that's what I tell them, you know, to let's get it you know, this is what you wanted. We can get it now you can refinance it later to for something lower.

Rick Ripma:

Yeah, we call it by the House date the rate? Yes. I like that. Marry the house, sir. Yeah, marry the house. I call it by the house. Date, the right he calls it, which is better. So this is the difference between the you know, you just I have so much stuff in my head. I don't remember everything. I know. I know. You know. Yeah.

Deb Taylor:

And if I don't write it out or say at the time, we're in trouble.

Rick Ripma:

Yeah. Yes, me too. So I 100% agree and with what you just said is that it's a great time right now to buy a house because all the reasons that was so difficult to buy a home over the last 678 months are going to be back in the spring.

Deb Taylor:

Exactly. Yes. And I think that right now, especially some of those buyers who lost out and lost out and just kind of gave up. You know, it's a great time to get out there now, because the competition is not like it was right. Now, that doesn't necessarily mean though, that you might not have a multiple offer, I still always talk to the other agent, which all agents should do, but don't find out what's important to the seller. Are there any other offers? Because that tells you how to strategize your offer. What's important to the sellers, is it move out, do they need extra time? You know, those type of things, things that are important that you need to know when you're putting together your offer package.

Rick Ripma:

Are there so so there's still multiple offers still coming in? Just not as not just not as many?

Deb Taylor:

Yes, yeah. In a course it depends on the home. You know, the homes make, you know, I always say pretty sells. And we're all victims of first impressions and guess what buyers walk in your house. And they've made that first impression and they like it or they don't. So that's why if you if I'm representing you as a seller, I hire professional stager who will come in and go room by room on how to get that house Ready to for what buyers like to, you know, to see,

Ian Arnold:

I think what some people don't realize and I was in the retail for a longest time is what we call it is basically casual lie. So when you first walk into a building, you notice every little thing, yes. But once you've walked in it to 100 times like your home, you walk into it every single day, you may not notice this one little thing because you overlooked it so much, where when you get somebody like you coming in there, and knowing what people are looking for, you can easily point out different things that they should be looking at.

Deb Taylor:

Exactly. The other thing that too, that I'm able to offer now that I that I wasn't always able to offer before is if you know especially if you've got young kids or you're getting ready to move and so forth, it's hard to keep up with the cleaning aspect. So I have a team, a team that will come in and clean the home. That's, that's on me. Everything that I offers on me, the stager, I pay for, I hire a professional photographer, and if you've looked at any homes online, you know the realtors that aren't spending money to get a photographer, because it makes a huge difference.

Ian Arnold:

So you have those cleaning people come in after all your grandkids have been home? I do actually. Yeah, trust me, I have to I have two kids, seven or five year old, trust me, the mess that they can make in about 30 minutes is crazy.

Deb Taylor:

Yes, well, and things you don't see, you know, fingerprints and things that a new person walking in your home, they're going to be looking for that. So it's just a nice service I can offer for them. If they want it, they don't have to take it on the cleaning part. But I just assure them that, you know, people will notice things like that. And then I also accompany the photographer because I'm very detail oriented on you know, things bugged me like the toilet lit up blankets, or even on the bed clutter somewhere, you know, that type of thing. So I make sure that it looks picture perfect, along with a photographer. So it makes a big difference. It makes a big difference.

Ian Arnold:

It's a huge difference when I mean, we've all seen pictures. When you're looking online, and you're going through all the pictures. I mean, imagine a nice clean room and compare it and then you click go to the next house and then you start seeing Dirty, dirty, dirty stains on the carpet or beds are not made or yours. Like how much effort did they put into this? Yeah,

Deb Taylor:

and then you wonder what else Now you may be, you've may have taken care of all the mechanics and things just just right. It's still but if they see clutter and dirt, it makes a question and I want to eliminate any questions. I want the first impression to be wow,

Rick Ripma:

I had a friend who made a living, buying used cars. And all he did was clean them.

Ian Arnold:

Yeah, it makes a huge difference.

Rick Ripma:

But he cleaned to the degree like a professional cleaner would do. He'd clean the inside of the rims, you know, so when you looked into the underneath, it was when you saw his car done, it was perfect. Yes. underneath the car above everything. It was perfect. He made a living doing that. That's all he did. He didn't, it didn't really have to do much mechanical work or anything else. He just cleaned it. It's brilliant that you do that.

Deb Taylor:

And then the other on the other end, once you're ready to move out, you're tired, you're ready to get into your new home, I offer that same service to come in and clean the house. So the news, new people coming in. Oh, wow. So yeah, so I don't want people thinking because I'm a boutique brokerage that you're not going to get the same service that you would for a bigger one. As matter of fact, I like the control I have right now especially on marketing, what kind of marketing am I going to? Do? You need to know that? And I also have it arranged so that you'll see all the different markets that it's gone to? How many people opened it up? What are our numbers, so that tells us do we need to do things differently and so forth. So I advertised to everything that the same people do out there with bigger names. So you're gonna get new, it's called a boost. And I do that with Facebook, Instagram, Twitter, all those other things I can't remember.

Rick Ripma:

Well, it's it's vitally important that you work with somebody who knows what they're doing. I think it's very much the same in real estate as it is in mortgages. It's the person you're working with. And the and the experience in the belief, really the person I mean, really, that's why we're doing this show. Exactly. Okay. The reason we decided we're going to have, we're going to we want to talk to Guru people, especially real estate agents, because we believe it's vitally important that people find guru agents who can help them through this entire process, whether it's buy a home or sell a home, this matters.

Deb Taylor:

And I'm going to plug you guys as a mortgage company, because I always tell my people, they tell me, you know, who are you going through for your home? And if they say something like a big bank, I just say, could you talk to somebody else because they won't talk to me on the weekends. They won't talk to me afterwards. Five o'clock. And you know what not homes don't always sell between nine and five. And I need a broker who will work with me who can get things done and there's some brokerages out there that are just well make you cringe.

Ian Arnold:

Yeah, cuz you don't know if you're looking at a home. And let's say, you're you go, Hey, look, there's another one right down the street. Let's go take a quick look at it. Well, what if it was over your offer price? Well, now you can't put an offer in because your pre approval letter only says certain amount? Well, Rick and I work weekends, I tell you that right now, we can pull it up, click click No, you're approved for that. Here's it here it is. And you can easily put your offer in,

Deb Taylor:

right? And then in depending on the markets, too. It's nice when I can work with a company that won't give the top dollar that the qualified for GE Why would I not want that on there? Because you take away my negotiating abilities, right? And so that helps a lot when I can work with a company that won't do that. And the big ones, guess what, they'll do that every time and then you take away, they're always going to negotiate for higher because they know you can pay higher,

Ian Arnold:

right? Yeah, cuz I know I do this a lot is I don't put a price on it, I will just say you're approved. And then I'll let the realtor and I'll let the client know and just go hey, look, this is this is what they're roughly approved for, they can go a little higher, they can go lower, but they'll just need such and such money down or extra. And I find Realtors love that.

Deb Taylor:

Because we it gives you take away our power when that's written down in there. And it's you know, and like you said, it's so important that we have a good brokerage company that they're getting their advice from, and I, you know, I said I send them people, and, and then I tell them, Look, I don't get into the finance, it's not my business, I just want to know that you're approved. And as a realtor, when I get my offers in of my you know, from when I'm representing the seller, you know, I do check. And I asked, you know, can I call this mortgage person and find out how qualified are they because that's been some issues too. So having somebody who will readily work with me, who will take phone calls and talk to a realtor that's so important.

Rick Ripma:

It always amazes me how few real estate agents call me. When they get my pre approval letter, I've actually taken to finding out who the listing agent is making sure it's okay and calling them ahead of time. I find that that helps them understand. First of all, I want them comfortable with me. Now fortunately for me, I've been in the business a long time. A lot of people know who I am, I have a radio show, right? I do a lot lot. So a lot of people know him, but some people don't. So for me, it's very important, you know, to make sure that they they the offer gets the best representation to that seller.

Deb Taylor:

Rick, it's always surprising to me how many real estate agents don't call me on a listing to know what's important. Yeah, very end, you know, it's I always call because I need to know certain things. And it's frustrating when they won't call you back. Because I you know, it's all about strategy, how you're putting, you know, when you need an agent who knows how to strategize the different things. Well, a very important fact is what's important to that seller isn't just price, because a lot of them needed more time to, you know, find a house, or they needed a longer move out period. So things that like that, that can be very, very important and making you win the offer versus somebody else.

Rick Ripma:

Yeah, and the other the other piece of that, and I think it's what separate one of the pieces that separate you is your background is communications. Okay? So everything I hear you say is Communicate, communicate, communicate. It's one of the things that drives me crazy. Yes, people won't communicate with you.

Deb Taylor:

Yes. And I tell you what, when you work with someone who's extremely unprofessional, and I had a horrible example this summer, didn't didn't care about deadlines. Didn't you know wouldn't call me back wouldn't you know, I realized that, you know, you do have a life. But you have to you have to, you know, be respectful of the other agents and the sellers and, and they didn't have a lot of confidence in this particular transaction because of their lack of communication. Right? It was a new bot, a new a new broker, and not all new brokers are bad, but this particular one would not communicate it. It just about killed the

Rick Ripma:

deal. It's so much the person it is so much the person you're working with. Amen. We believe we believe you know, and I know you do, you follow up, you follow up as quickly as you can. Somebody calls you on the weekend. You may not be able to answer the phone when they call but I'll bet you get back with them as quickly as you possibly can. Yes, exactly. Because you have to you have to because it matters. We did the same thing you have to get back with people you have to talk to him it's it's even bad news.

Deb Taylor:

You still have to tell it even more and and brokers that's one thing you know when you first they're learning you know, it's you got to be able to also kick in some psychology and help people get through those rough times, like their mortgage fell through, you know, we don't have the offer, we're gonna have to go back out, you know? And then that's that's going to tell you apart from other agents, what do you do? What do you do? Well, I start with all the different offers we had going back and let him know it's available, you know, go doing some reverse prospecting. Anybody who looked at the house, let them know it's back on the market. And here's why not because of the defect on the home, it was because the financing wasn't strong, which is another reason to have a good mortgage broker.

Rick Ripma:

So Well, that's it, as you know, it's vital all the way around for all of us that were that were, you know, doing the proper things, but, you know, that can fall through for that it can. Another issue that I see for us is appraisal, the appraisal like you. I think you said earlier, you know, if an appraisal comes in lower than what your purchase price is. That can be bad news.

Deb Taylor:

Yes. But here's what I do to prevent that. And my husband, who's an appraiser, by the way, doesn't think it's necessary, but I put together an appraisal package. So I let them know this is these are the comps on how I priced the put, you know, here's a list of the updates that they have done. Here's the offers that we've had. And if it's multiple offers, I list them out. You can always redact the name if you don't want that in there. But, you know, so when they see it, they go, Okay, well, now I know why she priced it that way. Here are the updates since it was first out there and I have knocked on wood, I have not had one not appraise.

Rick Ripma:

It was what I see when you get a good solid agent, especially if there's to the seller in the buyer's agent. You tend not to have that problem because they and if you do have the problem, I've yet to have good solid agents where I have an appraisal that came in shorter than we were hoping that didn't say to me, oh, yeah, we knew it was going to come in. We knew this. They know that they've already agreed to it. Or they knew we made the offer we knew is gonna wasn't gonna appraise. But that's what we had to do. So now we'll renegotiate the price.

Deb Taylor:

Yeah, I mean, it doesn't kill the deal. You just asked me not to strategize it but, you know, I, you know, there's been a few that I was like crossing my fingers and legs, you know that it would come back. But I did all that as far as and they did. They came through and they appraise so I was, but I put it I put it out there ahead of time. Yeah. So that makes a difference.

Rick Ripma:

communicated? Yeah.

Ian Arnold:

Communication. Wonderful thing. Yes. She came from the right job didn't get in real estate. Real estate. Absolutely. She communication and there's like, you know what, let's just sell homes now. Yeah,

Rick Ripma:

exactly. What we're coming up on the end, is there anything you want to make sure you communicate.

Ian Arnold:

We have a phone number, so people can call you

Deb Taylor:

317-523-9057. And I just like to say to that I love all kinds of people. You know, from all different ways, communicate cultures, and so forth. I have a broad spectrum of family members now. So and I take that a personal approach to wherever you're at and what you need to do.

Ian Arnold:

And she just adopted recognize, so we're gonna go swimming.

Rick Ripma:

Oh, my God, it's cold.

Deb Taylor:

This summer, there's gonna be a big pool party for all my clients.

Rick Ripma:

Well, we appreciate it very much. Appreciate you coming in and joining us. Thanks so much, Deb.

Deb Taylor:

Thanks for having me. I've really enjoyed this and I look forward to working with you guys.

Rick Ripma:

Great. Well, we appreciate it. And if you need to get a hold of Ian and I just go

Ian Arnold:

to HardWorkingMortgageGuys.com That is HardWorkingMortgageGuys.com Or just select the link down in the description.

Rick Ripma:

Thanks for joining us. Have a great day.

Deb TaylorProfile Photo

Deb Taylor

SRS, SRES, American Warrior Real Estate Professional

After a decade in Real Estate, I know what a privilege it is to help you sell or buy your home. A home is where you live, a home is family. Whether it is your 1st or your 5th, it represents a major investment of your life and money. I want buyers to see what you see in you home and that takes so much more than just listing your property on MLS and sticking a sign in your yard.

Teamwork and the can-do spirit have helped me to succeed in my professional life. I feel these skills will help me serve you best. Patience and understanding the needs of others will help me serve you. Successfully taking care of a real estate transaction is much like running a small business. It’s the attention to detail that makes all the difference.

I strive to enable my clients to attain their real estate goals with the integrity and commitment they deserve. My personal objective is client satisfaction and my job is not finished until my clients are happy.

Every listing begins with a discussion of your goals in selling your home. We then move to a guided tour of your home so I can learn not only what makes it special to you, but what features I can use to maximize interest. We will discuss open houses, make arrangements for a professional photographer for the best listing, and a consultation with a professional stager which I provide with every listing… all at no charge to you.

Education

Graduate, Real Estate Certification Program
Graduate, Professional Sales Academy, Tucker University
Real Estate Continuing Education Courses
Bachelor of Scienc… Read More