Guru Ian Arnold with Advisors Mortgage Group

Welcome to a special edition of Indy's Real Estate Gurus. I'm Rick Ripma, your hard working mortgage guy, and today I'm going to be talking with Ian and I'm going to actually we've interviewed everybody else. So today I'm going to interview Ian,

can I eliminate myself from this? No. Okay,

well, you can, but I'm not gonna I'm not I'm going to steal interview. I'll just interview you as me and that would not go as well for you.

All right. All right. I guess I'll do this.

So we better we better do this. So. So he had before you got into being a mortgage loan officer, what did you do?

Well, I grew up, actually in Florida. And I'm going more here little reason why I'd say that. When I was 16, I moved here to Indiana, moved in with my parents. My parents been divorced. Since I was two, but moved in with my dad went to North Central High School, then went to IUPUI. Then I started working, I ran blockbusters for a little while, then they started shutting doors down. So then I was like, Oh, what am I gonna do now? Well, one of my customers is like, Hey, you're good with customers? Why don't you sell cars? And I was like, commission job? No, because you're gonna live off paycheck to paycheck. I mean, let's be honest, until you get going. I mean, I'm one person, I don't have that time. And I have a wife and I have any other any other backings. So they were like, well, we'll train you for a month, and then see how you do. I'm like, you pay me for a month and training. I can do basically anything. I'm pretty good. I'm pretty smart. So I ended up doing it actually was then was in the car industry for over 10, almost 12 years, I did the financing. I did, basically any part in there, and the car industry I've done, which is nice, because you see all the ins and outs and how everything's gone. But the issue of came in to what was I going to do now that I was married, I had two young kids. And I was like, I can't be working eight o'clock at night doing financing for people working every Saturday, because when you do financing, you don't get weekends off, right? It's not like a car salesperson where they're like, hey, yeah, we're gonna take a just off a day. No, you're doing financing too. So you have to be there. So then I was like, Alright, I gotta do something different. So the funny thing is, is I got my first house when I was in the car industry. And I was one of the guy who did my loan, Unfortunately, he passed away, he was a good friend of mine. But I call my account got processed to you, or transferred to you. And I got your email every single month. I mean, I looked at it sometimes. But I had my house, but it was once a month wasn't too aggravating. So it was not like some of these retail stores that have like four times a day. I'm like. So when I was talking, so I was like, Look, I love the financing part. I love, love that in the car industry. And I was like, Well, what's Is there much difference between this and a house? So I called you up and was like, Hey, you got a time to talk, which was kind of nice is I got the firsthand look, look, these are the differences between what you're doing now. And then what you're going to be doing in the future. If you decide to go on this path, and I'm like, okay, and then the funny thing is, is being commissioned still, I still remember this to this day is the first thing go look on cars, you get paid, basically when the car sells. And I'm like yeah, and he goes, well, not like here, you're waiting 6030 days, 60 days, 90 days, however long that process takes. And if you're helping people build their credit, it could take a year to a Just depends everybody's situation is different. But the financing, which I thought was really interesting, when I first started taking my first two loans is it's the same questions I asked when I did the car industry. So it was like, wow, this is not even different, which is kind of unique. I mean, yeah, we didn't ask people bank account information, but everything else, pay stubs, and sometimes W twos for self employed people and their tax returns for Schedule C. So I'm like, wow, this is basically what I'm doing. It's just on a higher skill. So after I talked to you, I took my class, I took the class got my license, then it take too long, which is awesome. And then luckily you allowed me to work under you to learn and tutor me and mentor as we like to talk about on our show all the time is mentoring is a must. I mean imagine and I think because you and I talked there's other places all right showed I work for a company like this where you you got to go get leads, you got to basically become a realtor but in the mortgage in or you go to some of this, what I call call center places and because I did not want a call center I don't that's just not my cup of tea and to sit there and just wait for phone calls and then that's just not me. I like the phone. I'm not a phone person. It's just the way it is. But so then luckily I came under you worked under and joined it ever since.

What would you say your superpowers are?

As a coder, my superpower, I would think it's just communication. So people go well, yeah, you're a salesperson in communication. I go, Yeah, but there's a difference is so I told you my parents were divorced. So my mom and my stepdad were basically Poor, poor living in the country, redneck. Bikers, tat tatted all different type of language. Well, then my dad, my stepmom, my dad's a computer programmer. My mom, my stepmom was a secretary for the Simon group. Totally different ballgames, anti tattoos, anti guns, anti all this stuff. So I learned how to talk with different multiple people. And so whether you're a farmer, or whether you're a high billion dollar investment guy, I can sit down and talk to you like, it's nothing. And I've seen in training salespeople and everything, not everybody can do that. So being able to break down even to each person's different level. And I don't mean that as a bad way, but different people think different ways that you can, I can make it, you understand what I'm trying to get across. Just because everybody talks differently.

They absolutely talk differently. Yes. And it is it's very important that you are able to talk to everybody. What would you say your maybe your favorite part of the job is?

I think, people in general, I'd love to talk to I mean, I think my wife gets mad at me when we walk through a neighborhood. And I'll stop and talk to anybody. And especially once I know you, I mean, it is hard for me to get out there and just talk to a random person. That's just not me. But if I've seen you a couple of times, I'll make a couple of jokes. And then we'll just start talking. But I can talk to anybody. I just like talking to people. Besides that. I love that. And we've talked about this a couple of times when we're interviewing people is when you sell somebody a home and the first time and they don't realize what they've accomplished until it's there. And then the emotion sets on people that that that hits home basically, mean because I mean, I've seen people I mean, my parents lost their house. My mom and stepdad lost their house twice, like literally the bank foreclosed on. And we added grandparents buy it back and everything like that. So I'm able to just sit there and go through everything with people, right? Because you've seen a lot. Yes, yeah. As a kid. So being able to talk to people I think is the base. Do you relate to people? Yes.

Yep. So what do you do when you're not working? What? What's your life like? Not Well,

I got two young kids. So run around now them most times now and then I do play a lot of basketball keeps me in shape because I hate the gym. I love to work out on a basketball court. I don't want to work out lifting weights. That's just my wife loves weightlifting and all that stuff. That's just not me. She learned that early just like I just go through the motions. Put me on a basketball court. I spend their four or five hours you put me on a treadmill. I'm done in 30 in 30 seconds.

So you're competitive that Oh, yes.

Yeah, I mean, I think in any sales job you have to be competitive. Yeah, I agree. Now there's different well you don't have to be as even though I came from the car industry I wasn't the old car mentality. A No You gotta buy this and I'll talk I'll talk in no look, there's many different homes there's just like there's a here there are many different loans. I'm gonna show you many different options and let you choose this is your decision not mine. I'm not making payments right? So and the funny news is is like you and I like to give people three or four options when we give it that you might tell me hey look, I want the lowest straight 30 year and then with 4% down all right, well how about I should also show you what 10% down maybe a little higher rate but your closing costs are lower. And but it's interesting that I'll give those options all two and one I think that you said because you what you told me the beginning. You choose a totally different one because you didn't realize there's other options

because people just don't know correct that's absolutely uh you know, happens that

a lot but like so as being not being a salesperson, but more of a guide and I think a mentor and I like to use that word mentor towards a customer Mirta Hey, these are your options. I mean, so you don't you're not I don't want to sell you on something I'm gonna show you your best options and you choose for yourself now if you want to ask more questions that's what I'm there for. I'm not advise you and mentor you through the whole process.

Yeah, you play you play a lot basketball. Did you play basketball in school? Yeah, I

played until played all the way till sophomore year. And then once I moved up here, it was a little tougher because they had the teams picked which is understandable because those kids have grown up together. Well, I also was a much better runner. So running the mile the cross country then I went into marathons and stuff, but I don't want to do that too much anymore.

I didn't know you did marathon. Yeah, that's see That's news to me. So what's the best way for somebody to get a hold of you?

I would say easily my cell phone call or text is 317-506-8952 or you can contact us easily at hard working mortgage guys was we always use but oh, it's cell cell sometimes easier just because some people like to call or text Yep.

So please get a hold of Ian and he will be able to help you through any mortgage situation that you have. Thanks so much for joining us. Have a great day. Wrench NMLS number 33041 Recruitment NMLS number 664589. You know Arnold NMLS number is 1895469 equal housing opportunity. Some restrictions apply.