Guru Jenny Lauck with Lauck Real Estate Services

Rick Ripma: 0:00

Welcome to Indy's Real Estate Gurus. I'm Rick Ripma, your hard work and mortgage guy and I've been in real estate and mortgages for over 34 years. My team and I believe in custom tailored loans, not a one size fits all approach. We believe there is the right mortgage for you. And we believe we have the team to deliver it.

Ian Arnold: 0:16

And I'm Ian Arnold, part of Rick's hard working mortgage team. I've been in the financial industry for 15 years helping customers rebuild their credit or just increase their credit to get the best possible interest rate and a passion to helping you secure your overall real estate dreams. And if you're anything like me, hopefully pay your home off even faster.

Rick Ripma: 0:33

And if you have any real estate or mortgage questions, please go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com. You can contact Ian or I from there, or you can call us at 317-672-1938. That's 317-672-1938. And today, we have Ginny, and I'm not going to pronounce your last name because I don't want to mispronounce it. I know you told me and I can't remember. Loud, loud. That's not hard.

Jenny Lauck: 1:00

He's no hard at home.

Rick Ripma: 1:02

thing. And then he and you got me all worried about this. So Jenny lauch. And you're with loud real estate, correct? Loud real estate? You came here from Ecuador? Correct? Right. So we'd love to hear your story before you got into real estate, especially somebody like you who who came from another country to get into real estate. So what did you do before real estate? Why did you and how did you end up here in real estate?

Jenny Lauck: 1:24

Well, that's a great story at time, because some time is trying to remember my story or remember my story and it really is unbelievable. Then one thing is I have my master's degree in education. And I was having my own school 400 students in my country. And one day I come and visit here for the July I was divorced and down in Ecuador. And I saw a different life here in the United States that I really enjoy. And I say you know what, time to move came to this country. And really everything is started work it up then my part of education is still inside me. And I always everything that I do is trying to add okay, because that's what I really love. Anyway, I keep it I came to this country I got in love, I got married, and everything was you know, bird flying and butterfly. Yeah, yeah, I got my first home. And when I bought my first home, one of the biggest thing that happened is that when I was trying to sell it, they told me no, you cannot sell it. Why now because there is this pre penalty that you have to get, and you have to live here and I go, why nobody told me this, when to see an attorney, then I want to send my loan officer, please don't do anything, then I at that time, I remember say One day I will do something like this, trying to help my community that doesn't have no idea. But in the meantime, I was I started with employment agency to help my community to see how we can get a job for everybody. And I was the medium, the middle person I started in two different employment areas and I started teaching Spanish in the free time you know for people and until they they hire me for a big employment agencies and I love it and I started working there we got we will become to be so big that I said this is not for me anymore. And I went to work for a bank then then for the financial institution, then I was going through one step to another until a I my sick I got really sick and I was not able to do anything and somebody told me common start selling cars here in a dealer. I'm buying cars that I didn't have no idea and I was what character is SUV SUV that minutes really was so bad at it. But that's the way that I was doing and one of the guys said, in case do you know rent? Rent? No one No have no idea how to run but let me find out how to do it. And I found down I start renting and when I was rented somebody asked me will you sell a house sell a house? No. But let me find out that I went to my bank and I said how do I do this and loan officer that was right there at the bank say bring the people and I will do everything for you. And that's how everything started. Wow. Then my husband that is been in this business array like it for 42 years then was an easy peasy for him. Yeah, he's been building cars custom building and do a commercial because he was working for the architect firm. And he was started with the nephew and for make the story short, after a while we said we want to start with like real estate to have our own business and that's why I'm here and I'm very happy to be here. Yeah, it's it's

Rick Ripma: 4:45

it's a great story. And it just I like these stories because so many people get into real estate and they struggle to get going. And there's no way they have to overcome what you had to overcome. Want to become a real estate agent coming from another country and everything else? And you've done phenomenally well? So how did you get going in real estate? What was it that really propelled your business?

Jenny Lauck: 5:13

But I think because I already started having people that I was helping, selling or renting cars, I really my beginning for us, somebody talked to me about Facebook. Then I said, I need to open an account in Facebook, and his dad and I didn't open one, I'd open two or three account and I start posting houses and everything. And they're more people calling and put it in Spanish. You know, there was not too many people doing that, at that time in Spanish, then the Spanish community started hooking up with me. And they started saying, Can you help me and the other one, can you help me? Can I buy a house for you? And I was saying, yes, yes. And then you know, when you started doing this with a loan officer that was done, that are the only thing that I was doing, as translator, translate everything, and then they started knowing me. And another thing that happened when 23 years ago is when I was in the setting of the first employment agency people was coming to maybe September that everything is started switching gears in the job part because they call it start coming in, then they will come and say, God helped me I don't have food to eat anything like that. And I was feeling so bad. How can we help this? And I sometimes I feel desperate, I got out of my office. And what am I Naver from the office and what is wrong with you? And I said, I feel bad that I cannot help my community. They don't have food to eat or food or feed to the to their family. And she said, Would you like to give some food to them and say I would love to do it. She gave me a phone number. She gave me a name of the person I call and she said, fax to me, all the families and everything. You have to come here and pick it up. And I will have that everything in my office when anybody complains. Hear your back. So food in that way. You know what I was feeling a little better? Comes December, Christmas is big time my country. Then I said what about it, we give toys and we give food and we do a big Christmas event. And the lady said I will do everything for you. For the toy you have to go to the Salvation Army. For that Turkey we use turkey too. But for the cheek and you have to find $200 I want to talk and I find every single thing. Then I make a big deal for Christmas for the Latino community. And after that is 23 years that I've been doing year through year three years, then I be serving my community different way that they can know me about helping in knowing how Sinbad in cars and Brenton in infolding house and I got connected with so many people that I feel that that's the biggest thing is I don't do I have the passion to serve passion to give passion to to make things happen. And I think that that's for me, that's a big thing. So

Rick Ripma: 8:07

I just want to make sure so you're still doing that. Yeah, for 23 years. So let's say there's somebody listening and they they may want to do real estate they may want that but they want to help you out in that area. They is there. Do you take donations? Is there some?

Jenny Lauck: 8:22

Yes please. You hear me? I'm here Jenny louka please I need a lot of help. And you can call me to my phone number. In that way you can. We always looking for donation and looking for a sponsorship or volunteer because you know how tough the economy is right now. Then toys are so expensive. What we do we give some food we give some toys. We give some turkeys or or chicken whatever. Somebody gave it to. To us we give away then we go to the safer ground. We give whatever the money that we receive that our biggest donor is Lilly Endowment. You know but it's really tough for the price is going then call us please 317-252-5620 45 Please call me you really want to support us.

Rick Ripma: 9:13

Yeah, I think that would be great. I'm glad you brought that up because I think that'd be phenomenal. Now if they want to support that they want to buy real estate sell real estate they have any real estate needs at all. They wanted to help help you in your in your charity work. Again that's 317296204 or five is

Jenny Lauck: 9:31

correct. That's the phone number cause luck real estate where right now in Fishers. All right, that is a big announcement that I haven't I need to mention because really when I started this business, we were right there in our house.

Ian Arnold: 9:43

Okay, we're in fishers are you at right now? We

Jenny Lauck: 9:45

are in 104 75 Crosspoint Boulevard. When you go in cross point yes getting close 206 big building a suite of 100 we have we have so much that I really feel so Last year, I'm really trying to write the other side of the bills the other side of the brain. You passed

Ian Arnold: 10:06

IKEA. You went too far to

Rick Ripma: 10:08

turn to their lab? Yeah, her office is bigger than Kenya. Yeah. I don't think there's anything bigger than Kenya.

Ian Arnold: 10:20

So I got to ask, I always find it interesting, especially from country to country. How is real estate done differently in Ecuador than it is here?

Jenny Lauck: 10:28

Oh, why that? I tell you one thing, I was not doing real estate in Ecuador. But for what I heard and talk to some friends that they're doing. Number one, you don't need to have a license. Number two, there are no rules or regulations. And don't believe in me, please. That's what friends are say. Then if I have, I have a listing, somebody else can come and talk to the owner and say, Hey, I have a client that they don't pay me the pain to the person that easy. And then if we agree about 2%, or 3% Commission, is somebody else come and say don't pay anything to hurt pay to me, they will pay and they don't pay the fees, then there are no regulations at all. Wow. That is what I heard it. I don't I didn't do that. Don't trust me. But. But that's what friends are saying. And they go. That's unbelievable that a United States like that, but I love the way that it is right here.

Ian Arnold: 11:23

Yeah, it's interesting, because everybody's thinks that way we do it this way is done everywhere. Yeah, no, no, it's not. We've had some people from Middle East and they're like, No, you got to put down 50 to 75 70%, to even purchase a home. And it was just like, really different. And I was like, That's interesting, but it's just their way of they believe.

Jenny Lauck: 11:44

And you know what, now that you mentioned that, let me tell you one thing that is more interesting. We don't have the banks that loaned the money, you have to have the cash, that you can pay the home. So you have to pay cash for that you have to pay cash for the house,

Rick Ripma: 11:57

I bet that keeps the prices down.

Jenny Lauck: 12:01

I don't know about that. Because everything is depend where you live, the prices are. And there are so much about the social part. You know, people that have money is going to go and live in this part. And people have less money is want to live in this part. their economic situation is very, very different in our country. So everything that is Central and South America, that that's what I talk, I can say about it, then if you don't have the money, it's different. It's very difficult that you can buy a house there, then there's not many people that can own a house in our country.

Rick Ripma: 12:33

That's, that's a benefit of the US, I think because it

Jenny Lauck: 12:37

is that's what they call the dream. Yeah, you have a dream because you come to your country. And there's a motto that is you don't have money, you have the downpayment assistant, and you've got lots of options, lots about options. That's true.

Rick Ripma: 12:49

It's amazing to me how many options there are especially, you know, as as in the one of the communities that you help is the i 10, where they have the identification number, but they aren't actual citizens. Some of those programs are, are unbelievably good, I think. I mean, in fact, some of them have better options for them than they do for an actual citizen. It's actually could be better at times on some of the programs

Jenny Lauck: 13:14

and some of the brokenness and some I will say in some but but most of the time, I'd say the clients that comes to me that have an ITIN number, and they're in the middle to try to get social security. As soon that you get doesn't matter that I don't do anything for refinance, they say call us that we can refer somebody, they can switch from the I tend to the sources, when

Rick Ripma: 13:35

I said that what I was talking about the some of the programs allow you to be able to buy a house. Oh, yeah. And that it was still securities wouldn't be able to buy

Jenny Lauck: 13:44

Correct. That is amazing. Yeah, that is amazing. And I was I was thinking there are more and more programs coming out for it now. Yeah.

Rick Ripma: 13:53

Yeah, there are. So there's a lot there, again, was just really, if somebody has any real estate needs, they have any they want to help on the charity, which I think your charity work is phenomenal thing. I think that's an awesome thing to do. The best number to get you at is the 317-296-2045

Jenny Lauck: 14:12

Yeah, and the name of the nonprofit because we're not for profit is Latino community development. We are on Facebook, we have our website, and please, any way that people can do it, that will be amazing to help us because the needs grow in every day. And we're just trying to do the best that we can, you know, in the time that we are.

Rick Ripma: 14:34

Yeah, I think that's fantastic. And to get a hold of Ian or I got a HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or you can call 317-672-1938. That's 317-672-1938. And thank you for joining us on India's real estate gurus. The gurus we talk with or interview have share valuable insights. They remember better than I do. They reveal other strengths, personalities and how they'll work for you. While we hardworking mortgage guys secure your best mortgage, real estate gurus work hard to they, they avoid the problems the amateurs don't, they just don't even know about. They don't even see them. They listen and they, they really do solve, find unrealized opportunities. If you're buying or selling a home or real estate guru is a valuable asset. If you're even thinking of buying or selling a home, keep listening and definitely call one of India's real estate gurus.

Ian Arnold: 15:30

All right, Jenny, we're taking a little sidestep. I know that you're really busy with real estate and then also your charity work but when you get 24 hours of free time, no phone, what are you actually doing for fun?

Jenny Lauck: 15:44

Oh my I can tell you right away garden. I love to do my garden in summer time. I have a CAD a will leave right there in the pond and then there are ducks in the pond. And I have squares and a lot of birds and I buy the food for everybody and I'm right there relaxing and enjoying everything that that part can give it to me is the best thing that I can do. You know I feel the nature is the most important part in my life. And being you know with my hands in the garden then and growing the potatoes of the garlic or the everything every year I added one more vegetable in that way I keep learning I just love it and yesterday I had somebody my house and say I thought that I cannot do anything here. I said hey when you want to start let me know that I helped you in everything that I can be God. I just love. I just love to know and I am right there in judo learning how to this year I started with beads. And it's amazing how beads grow here. You know now you have so much bit because I tried every morning to do the jewels with bees and the berries and everything to be healthy. And I have so many weeds by the rabbits loves the beads, then I I find out that last year than I do and in some way that they can now get in all of the beats. That is the part that I love to go for walk. You know trying to go yogin a little bit I don't do too much about that. But that's what I enjoy. And and if you if there is a party right there, I'm right inside. I love to dance. I love to dance.

Ian Arnold: 17:28

So I will fully agree. We grow a lot of vegetables and stuff at our house and it's interesting that we do it for the kids just so they can see what a seed does and when you work they can see the harvest later. And it's interesting though because all of our rabbits and our deer like to eat all of our stuff so our kids barely eat the stuff but they at least watch it grow.

Jenny Lauck: 17:54

Yeah, you know what, what I find out is I'm trying to do everything natural organic. Then I don't know if you can be able to taste it but the tomato the pepper, they're only on the garlic that you eat from your garden have not close taste that what you buy in the in the supermarket is amazing. And I for me that amazed me so much and I tried to do everything to keep it for me. This year I surprised my husband I said I want to do a greenhouse. He was so disappointed say listen I do it with my mind and I do and everything because you went and tire want to keep going if I start from the seeds that that's what I'm doing I did this year and then I do my own plants. I know what I'm eating and I know and he's and for me to see that he's started seeing a little bit and then get the flowers and from the flowers get that I don't know how to explain how much that fulfill me and gave me so much peace and everything I hope one day anybody that wants to know about gardening call me because I will be more than happy to share everything that I'm doing and how to start that is so simple. At the beginning what happened with the garlic you leave the garden inside the the dirt and you don't take a you know that they're going to multiply. Then last year I started digging to get garlic and then I got more and more upset how'd that happen? You've I forgot to God that it is nature is amazing. In I just love to do that.

Rick Ripma: 19:25

I got to know how big your garden is because it sounds like it must be pretty large.

Jenny Lauck: 19:29

No Maybe if I make a large release is to is to that my husband put a builder for built for me in the in right there buddy is how much I spend to see and I'm talking like a cucumber I learned how to you put a female with a male now the cucumbers are going to be and you pass it. There's so much stuff to learn and I think that is the time that I want to learn a see how the grown I've put this and I put the X and how they do better God by day by day. That's what I'm so happy to see it. No, that is diabetic.

Ian Arnold: 20:05

So Rick, after we're done here, let's go to her back there you go.

Jenny Lauck: 20:09

There a god. But do you see one thing that is amaze me this year because the weather has been so different. And we didn't have too much heat and or too much rain is no grow in the way that's growing, then the influence about the weather is so much in the part of the garden and then I go, Okay, I want to hook some holes in the way I can water every day. You know, that's what I do I my imagination grow about what else to do to make this happen.

Rick Ripma: 20:41

So it's the weather because my wife was convinced her garden is it started off wonderfully. Yes. And then. And then it's and she thought it was the deer getting into it. It's not is the weather, that's the weather,

Jenny Lauck: 20:53

tomatoes for you know, tomatoes need a lot of water and a lot of heat. And look at what how we started, we started with coal, where there really was no heat. And now that I see that it's killer cooler. I said, my tomato is going to stop again.

Rick Ripma: 21:07

But she's gonna like it when I tell her this.

Ian Arnold: 21:10

It's not you, honey. She's been

Rick Ripma: 21:13

disappointed because it's it started out so good. And now it's like not growing. So that was it was it's very big disappointment. But I'm gonna get back on real estate a little bit to ask my number one favorite question. And I think you're gonna have a ton of these. But what is your superpower or superpowers

Jenny Lauck: 21:32

I've seen is to find a solution for a lawn that everybody says that is not going to happen, that I feel that I question so much my, my mortgage because I work for 14 mortgage, like I said, and each one taught me something different than if you give me a tip, then I go on apply for somebody else, I say, well, we can go do this, and move this. And I feel that that is the biggest power that I have, how to move around things that can help. The client can be able to be pre approvers. And then take it all the way to the closing.

Rick Ripma: 22:09

And I know another is you're an educator.

Jenny Lauck: 22:11

Yeah. And then of course, I like to add okay, but you know what I find out more than I told my client, let's duplicate this. They just finished their blonde, they get the house and they the only thing going cold Jenny that said, I don't remember anything in some time is like a education is, is there. But I feel that sometimes I really do it and do it. But clients really they're looking to have their own home and be done with us. You know, then I love to educate, I have four girls or work with me. And I always say you if I know you can know the same thing I can teach you how to do it. Because it's not about me. It's about that everybody can help about everybody that can need help.

Ian Arnold: 22:54

Well, they already talked to the guru. I mean, they can get better news. So look, just send her to Jenny.

Jenny Lauck: 23:02

Yeah, by Jenny is only one person. And it's so difficult to handle what everybody, then that's why the girls are so important right now in the team, because they're learning and I know that it's little by little, they're going to learn everything, but they're capable to do every single thing and what they have a question at the end, they used to tell me this Klein do this, do this. And I said, tell this person change it to this blender, and they will do this and this. And then one thing that is amazing, that is amazing about me I have great memory, you know, then I remember who say that, and how say that without writing down. And I can be able to say tell to this lender, because he said that on the he said this and this and that, then that part it really helped me a lot in my career.

Ian Arnold: 23:46

So you mentioned your team. So let's get more what is your how many people I mean, who did your team consist of, and we have

Jenny Lauck: 23:55

four girls that work in large real estate, and each one have the same goal that I have to try and to help our clients to get that dream come true that is get a home and they don't get too much in real estate, they go more about the paper that we receive and and working with the lenders, you know, that translate because all our lenders are American then they need that translation a tell the client that we need that time from the work from here from here. Then we do the translation that that process is where they learn because in real estate, the only one that are real tourists, my husband myself, and we have two other girls that are getting their four get their license to join us like a real journal. We have one real dramatic right now in this time is not doing anything he's staying in his in his job because he has seven kids. Why? Seven kids? Then I said do that way in the way when everything changed. You go back and do what You have to do.

Rick Ripma: 25:01

Yeah, the seven kids are expensive. They're very expensive. So I'm sure you have a lot here. But what's one thing that you're really proud of in your in your business?

Jenny Lauck: 25:13

Wow, very proud. I'm very proud about everything that I learned from my husband, having my husband that has so much Knology about how sin for him is not about that he can sell for him is about the word they sell is in good shape. And sometimes we need to fight with the client. Because he say, I'm not selling the house. And the client says, Please convince Tony to sell me I need to say why you need to why you don't want to sell Gianni the structure is not good. Then this house doesn't is gandharan his plane everything to me. And I said, Okay, explain everything to me that I can know how to explain my client is Bernie and his planes so good. And learning and having people that really care about no selling house that are doing the right thing. That's what I'm proud about. Because it's not about the money is about my clients is about the weekend do and will because those going then through referrals, because I feel my pride that I said, we did a great job. And that's why I say you have to go with her because he's gone. There has one if you want to help her in this part, and she's going to help on this part, then I'm very proud of that. Because it people really cannot complain about what we do. Yeah, always other people that want to complain, because they want more and more. But we do the best that we can and having not pirate, that is my husband that he knows so much about that. And he go, this crack is no good. But every house has a crack, I can send as a nogen, this crack is bigger foundation is going down, blah, blah, blah, blah, and he knows the stuff, then I totally respect that I'm trying to learn from him. But I feel that we do a great team the two together, because he doesn't get involved in, in mortgage, irrespective what I said or how I set out or how high or how I communicate with my lenders. But in his size, nobody can get involved. And I tell you, we do a lot of building, we have a great relationship with builders, and he go there and he went and take pictures and he goes all the way to corporate when he says something is wrong. And super tender has been saying I don't care is done, I'm not going to change. And he said, boom, boom picture, don't worry about he go to corporate, they call from corporate he explained what is wrong, and they need to fix it. Then I really got to the point with this that I don't understand when you don't have somebody like that. How can you do real estate? You know, how can you buy a house when you don't have a person that really knows what they doing? Because it's about having the the Knology for this and I know we take the inspector and inspector supporter they need to know and that's what we trust on and we have inspector because he will say this far I can tell you there is no god but inspection will say is good or bad is not like a he will say that said he said the inspection you want to pay the money to the right inspector that he can tell you exactly what it is. I'm good with us. And the client said yes we want to pay the inspection. Then we go to the inspection and we'd right it is you know the server that we were going to get inspector and make a decision to see the client and move forward or no then I'm very proud of that. Saying that. We know here only to sell we're trying to do our best that we can and showing all the respect for the client to try and to say we are not the best we're trying to do our best.

Ian Arnold: 29:03

Yeah, yeah that is awesome. So if somebody is wanting to get with the best and that Guru Jenny how

Jenny Lauck: 29:13

were you can call the office now that we have the office we have so many line you can contact us 317-295-2045 Or you can go to lab real estate. We have a website. All the social media we are in all the social media and in Spanish and English. For Instagram, Facebook, Tik Tok YouTube was everything Yeah, call us and really, Mike my team is bilingual too then they can speak within we're no problem. Okay,

Ian Arnold: 29:46

and what would that number be in Spanish? Today who

Jenny Lauck: 29:48

knows see it the daughter when Ty says bein tech what anti cinco, Jenny Lau respuesta para poder user control so a Keepo but upazila trabajar como status,

Ian Arnold: 29:59

everything you were Repeat that for her.

Rick Ripma: 30:00

To get a hold of her I got hurt on your mortgage guys culture. That's what she said, that's HardWorkingMortgageGuys.com Or you can call 317-672-1938. That's 31767 to 1938.

Ian Arnold: 30:17

All right, and now we'll get another question of the week and the question of the week is sponsored by Hey, Rick and I the hard working mortgage guys, where we believe in helping and supporting you and your realtor by sending constant updates to the loan process. We don't like living in a black hole so we don't allow you to live in a black hole. All right, Jenny. I'm kind of curious on this one. Okay. What was your first car

Jenny Lauck: 30:37

being b&w? Down in Ecuador?

Rick Ripma: 30:40

Which model

Jenny Lauck: 30:41

that was I don't know about that models. But what's the two two doors open and then to the back by a blow to the back? Do you have to go to the front them?

Rick Ripma: 30:52

Okay. Okay.

Jenny Lauck: 30:53

Then there has one that I had right there in Ecuador. He say I had to give you a card I have to give as a car and I will say the BMW is my car. If you ever want to buy a car for me, you had to be in W and one day he came with a BMW.

Rick Ripma: 31:06

Wow. So I did still drive BMWs I am

Jenny Lauck: 31:09

in the process right now. Okay. I love personas inverted. I converted in here in the United States. I went to nice and I love my nice Santa tie you but things change. And I love my Mercedes right now.

Rick Ripma: 31:22

That's good. Yeah, they're beautiful cars.

Jenny Lauck: 31:25

They're beautiful. Yep.

Rick Ripma: 31:27

I had I also had a BMW but they became it became so expensive to repair I had I just couldn't I just couldn't deal with it anymore.

Jenny Lauck: 31:35

You know what? My husband got it. You know, he's 70 Then last year he went to buy a BMW by sport. Oh, he would love that one. An eagle for me it's too too low to get up and go down I say sweetie, I'm sorry. But it's a wonderful car for you and it's not for me then you know the Mercedes is up then is so better for me. You guys don't have the issue that we have. I'm 65 then you know we have different issues that you guys have. For me

Rick Ripma: 32:07

pretty close to 65 I'm 63 So I got and I got bad knee so I understand. That's also part of why I got rid of my BMW because it's that so low so I got a small SUV There you go pretty good and it's much easier to get in

Jenny Lauck: 32:23

alright that's that's what it is for me I don't have things that I don't have any problem but it's difficult to get up you know and go go down it's easy then get up you know No, let's let's do it easier. This is not for me.

Rick Ripma: 32:38

It is easier to sit down than it is to get up for sure for me anyway well I don't want to get up that's the problem

Ian Arnold: 32:45

my in laws so this before I switched to mortgages and stuff I was doing cards and my in laws game he was like hey, can you help us out? We're looking for a card like Do you want a car do you want an SUV and because they're getting up there in age I go SUV you will just slide it you don't have to sit down probably about five months later they come to me they go that was the best thing you ever told. And they go it's so much nicer getting in an SUV than a car

Jenny Lauck: 33:08

yeah, it is. is the same thing that happened with the house the pen what age do you have you want a bigger house a smaller house ranch two levels and you want a big lawn or you have a land a small one that you don't have to take care of you don't want to you want to pay no HOA that they can take care for everything is exactly the same thing for the cars. Now he's trying to sell it

Ian Arnold: 33:33

all right, so here's a good question for okay and I bet you probably have tons of these What do you think your most memorable story was for a mortgage for like don't get somebody getting home?

Jenny Lauck: 33:44

Oh my You know what are the stories you always remember are the most difficult ones. And really, it was one client that went through three different loan officers in there was no pre approval. Having great relationship with the builders the builders gonna allowed us to keep moving the the mortgage the closing all the way Nope. Trust me, I want to do this. Trust me I want to do that and really took her when I move it to the for lender we will be able to close then I never gone to forget it. And one thing that I need to say this now that you asked me this question having the great relationship in this country is that really works. Because I had so great relationship with a builder that really allowed me to show it to him that I was able to close that I was going to close he believed in me and really took three lender until we went to the fourth that we were able to close then was in the office was a nightmare. Moving papers and going through it and meetings and everything why this and why not? Took a lot of our time to do it. While we went through then that was the closing, then I think that that's, that's one of the most memory one.

Ian Arnold: 35:06

That's awesome. You don't see somebody's work ethic on an easy, easy deal that says you don't people don't see the F don't see it. But when you have to go through three or four times, and they keep seeing you basically have your teeth not in this we're going to get this done. I don't care if we go through 10 people, we're going to get those done. That's the work ethic that you show. I mean, like there's a misconception about realtors that we always hear that all they do is open doors no no. But it's but is that worth ethic that you see when things aren't easy?

Jenny Lauck: 35:45

Yeah, and I will set it in like real estate we say we make the difference in real estate that's that's what we say and that's true because we have the two part I do and I have the relationship with the lenders and then we do the mortgage part the real estate part of that one more likely my husband will do it and taking care about all this is really hard it is no easy is no I don't know how to say but it is for me is easier and my husband said many times remember you decided to go through this route because when everybody comes with the pre approval letter and the only you show houses is an SCP so you show houses and after that the PA or the contract or back to the lender and then the lender is talking to the client you don't you don't get involved until the closing that's an easy peasy but that's not what happening like real estate we really help it and we help the way the best that I can. And I would all this year I feel that maybe one client that I can remember can say we did everything that we can because because it's third instead that he can decline move forward he went on bike car we really felt the mortgage. And I said why after all this time you want to do that? I so that we have clear I don't tell you don't finish and we don't have you won't have your key you can not be able to do anything. But that's why we fell because we were Novia when people sometimes get disappointed because they think that I can help everybody. No, I have the math that mortgage helped me to do how we work with all the match and how much you make and how much debt you have and for how much you can qualify right now one right now we have a client that was one $450,000 But they have three cars and I say your cards or send them out by the house. Then I cannot do magic. All one word cards from my door okay make them have the car and then come back right? But it's given solution at the end. You know why they what they can do to make things happen? That's it I feel that for our team is make given selection to our client then get the card get out of that we partner with somebody that fix credit to go to that company fix a credit and then come back the credit the correct company will tell you we're done. Everything is taken care. Now we start keep moving forward.

Rick Ripma: 38:19

So what does owning real estate do for somebody or maybe their family? I know you have probably have a really strong feeling about the benefit of real estate.

Jenny Lauck: 38:31

I love I would say I love real estate because it's the gratification that give it to me that I'm helping people to get what they want. And sometime I will say is easier because it's my my husband and me I don't have any kids. Then I don't get involved. My cat is my baby. You know and I know I've we've gone to some place I say quite forget to feed the knee I need to go back you know and then I just can't believe we're having kids how life has to be but that's not my situation. But at the same time I will say this difficult when you your husband and yourself is in the same in the same because he's pretty quiet. It's pretty relaxed and like you can see you know I'm pretty high then sometimes difficult then it's nice that when we are good and we can talk about and I want to learn from him is great and when we don't agree and it's really don't it's not nice at all. Then is make us grow and I in the beginning because it's American, Tony's American. He will sell when we started this business like everybody we will sell in house at that time from at $100,000 home and he totally refused to do that because the house was not a great shape and and I'm making understand where are people coming from and when you don't want to house down in your country and you can have They house here, you need to start from the beginning. And then you can sell the house and then you do better and then you and what's very difficult. And if he tell you the story, he say, was difficult for me for understanding because he was a costume builder for a million million and a half homes, then he was pretty big. And going through that it was very difficult for him, but now been for so long he he has had that part that he he has understand the community and he say, buy what you can afford it, don't go more for what you cannot afford it or when the time good time say son with a bad time is in that way, you're always going to be safe. And that is that is so happy to see that he was be able to understand that part. And that that's true when we eat in or when we are in the yard, I can explain to him you need to understand that part for my cultural party is not like this, everything is different. We have in my country, people that live in water, you know, the the river pass there, and because they don't have land, they pull the bamboo and they build the house right there and they live in water, then it's not what you see here, really. People that have no money leave with no gas, they don't have electricity, they have nothing. But we are really poor people. You know, I know the poor people that have this because we don't have the winter that you guys here happy or we're in the equator, then we don't suffer the way that you then we can suffer here that they have to have heating. We don't have air conditioning, we don't have heating, we don't have anything is only those kinds of Kenya will say it in Spanish that they build this house. And sometime with a river common rain and rain rain that the winter in my country is rain and heat is very hot and humid, then the river will take the house from there. And they need to start from the beginning. Then I went through that I helped a lot in my community too. And also model that icon with a wealthy family, I always have that hard that I want to teach you how to bring to those people that have no opportunity to go to school, then I know what that is about, then I'm trying to share that to my husband, I feel in that he get it and he understand a little bit. And that's what my heart is right there in support and help the best that I can. And that's the part that makes me happy when he understand no more better for my community than having the two people have the good and have the bad boy that always said, let's take the good for everything, to have that energy positive going on all the time.

Rick Ripma: 42:50

Now because of all that, so how does how do you feel your clients benefit by buying a home by owning a home here,

Jenny Lauck: 42:57

because they don't have to pay rent. And what I said it from the beginning was I always put my example and I said when I bought my home 11 years ago, I was paying 1300 That was a big time, what after a year who I was 1300, you will pay much more for your rent, then, and then after that you get you get what is the house is getting more and more, that is the only thing that are going to get equity. When a car every month that you can pass is going to be lowered, then I feel that if you're ready, I can help you to buy a house. But if you already know if you're tired, if you're ready, because I don't want to see my clients going for close, you know, bankruptcy or anything. And that's what I like now, when you when you guys do only 45% of your income in that way they support much, you know more of our family, that they're not going to go bankrupt right away. And if they have to, for whatever reason, health, economic, you know, you can hit different way at the same time, call us because we do land contract or people that come by your house. And then you don't have to go bankrupt the CEO for closers, yourself, that is going to take so many years that you're going to recoup, you know for that situation because there are people that have a lot of money cash here. You know, they're being working and working and working and they cannot qualify and they can buy cash in that way. You don't have to go through that. Yeah. And that's another way that we can help.

Ian Arnold: 44:30

All right. So I want people to be you to help them. So what's the easiest way and best way they can get ahold of you?

Jenny Lauck: 44:38

Call us 317-296-2045 Or go to our eye office. Our offices open for nine to six o'clock every day Monday to Friday. We have online services that will they can help until eight o'clock and we trying to find somebody that wants to work Saturday and Sunday to do with my husband and he show when house you know real estate show with houses, then in that way can be able to translate everything because it I will say the biggest. The biggest thing that I had to go through my husband is the Spanish part. He doesn't want to speak Spanish. And I think that he understand the French. They costumer. Everybody is Latino. The only thing that he hits American is because he played golf with some friends, but other than that everything is in his pianists. But he he has struggled to, to do what he say I'm too old. But I feel that he understand pretty good, but yeah, he can call us they can call us anytime and we will be more than happy to to help them and 317-296-2045 and your Latinos three who knows yet they don't know when that paint accordion they sing on.

Rick Ripma: 45:52

Yep, see, and I know she just said 317296204 or five. Wow, yeah, pick it up right now. She's a great teacher. I just say she's a great teacher. And to get a hold of her I got a HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com. You can look all our information up there. Or you can give us a call at 317-672-1938 31767 to 1938. And please follow us for more indies real estate gurus

Ian Arnold: 46:19

and reminder if you have any friends, family or coworkers looking at buy sell, refinance, let us know we'll be more than happy to help you. Jenny, thank you for joining us on our show today. It's a pleasure having you on here.

Jenny Lauck: 46:28

Thank you for inviting me release is to hear you and I have it all this story is amazing. And thank you for trusting me to come and talk in your show. You know, I do my best. I hope that everybody can understand me what I'm saying. You know, I came with no English then everyday I didn't go to school. Then every day having an emery county husband is tough.

Rick Ripma: 46:53

It's all right. My wife says the same

Announcer: 46:58

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