Guru Jeremy Page From Carpenter Realtors EPISODE 2

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, I've helped over5200 folks finance their homes,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 are the team to deliver it.

Ian Arnold: 0:19

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 to get the best possible interest rate and I have a whole dream of helping you secure your overall real estate dreams and get you financially set for the future.

Rick Ripma: 0:37

And if you have any questions on the Indies, real estate market or mortgages, go to HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or you can call 317-672-1938.That's 317-672-1938. And today,we have Jeremy Paige with Carpenter Realtors.

Jeremy Page: 0:56

Thanks for having me, Rick.

Rick Ripma: 0:56

Thanks for coming.We appreciate it. Jeremy has been on a lot. He's a great agent. He's not other words. I

Jeremy Page: 1:03

just show up and he can't tell me. No,

Rick Ripma: 1:05

that's he just shows up. I mean, we were sitting here minding our own businesses and he knocked on the door and areas so Oh, okay.

Ian Arnold: 1:12

He thought your email said free donuts.

Rick Ripma: 1:16

No, he's not a policeman. Now, he, he also is the manager of the Zionsville.Carpenter office.

Jeremy Page: 1:25

Yes, sir. Yep, I've been managing there. Oh,probably six or seven years been in the business for? Well, I think since Oh, seven. So okay.Yeah, you've been in a while.Right. When the market was great. And a ton of fun for everybody. Yes, we call it the worst sense. It was kind of rough. But I'm a better better agent because of it. Yeah.

Rick Ripma: 1:43

You know, I found it's kind of interesting in I've seen that. There's a group of agents that are in the business that started in that 2005 to2008 range. Yeah. There's very few that are still in the business that started in that,like 2011 to about 2016. Yeah,amazing. And I've

Jeremy Page: 2:04

always said it,there was a lot of agents that went through the pre license course at the same time as me got their license the same time as me. They're probably smarter,better looking. Have more hair.That's no way. Yeah. But you know, they all kind of a lot of them bailed. And they they chose when the time got tough to pursue something else. And that's fine. Yeah. I decided to stick it out. And I'll tell you what, I am very thankful. I did.Yeah,

Rick Ripma: 2:35

you've done phenomenally well. So let's talk about before real estate, okay.Where did you grow up? You know,where do you go to school? What did you do before realist? Yeah,

Jeremy Page: 2:43

so I grew up actually in Brownsburg went to a little private Christian school there called Bethesda. Once I graduated there went on to college, I got a double degree and small business management as well as marketing. So after college, I decided I was just looking for a management type job. I remember saying I can't wait till someone pays me a salary. I can't wait to have my own business card. I realized in the corporate world, that just means you work a lot more for the same or less price and title doesn't matter that much. So your school

Rick Ripma: 3:22

was really good for getting you. Yeah, for running

Jeremy Page: 3:25

your own. Yep, I was ready. I was excited. fresh out of college, I worked for a mo it was a mobile marketing company. So we did a lot with the automotive industry and racing gave me a lot of great experiences, dealt with, you know, racing quite a bit, dealt with a lot of the biggest car manufacturers. And I worked with everything from the the executive level President CEO,vice presidents of those companies to helping set up and organize a trade show or a festival, where literally one day I could be talking with and interacting with someone that was homeless, and then the next day interacting with the CEO of a very large corporation. So that kind of helped prepare me for who I am now. I've always said it doesn't matter who they are, if you're going to work with them, treat them, like you'd want to be treated with the utmost respect. And people appreciate that and respect that I really enjoy working with people from all different walks of life. You know, you're you're in mortgages, you're great at it. I'm in real estate, I'm good at it. If everybody in this world was in real estate or mortgages, this would be a pretty boring place it sure Whoa. So it's cool to be able to talk with other people from all walks of life from people that are, you know, doing manual labor to,

Unknown: 4:54

you know, attorneys physicians, the whole nine yards they all have something cool about this And that's what I enjoy about real estate is getting to know the people.Yeah. Well, these are just a side product later we'll get into your superpowers. But I just as a note on this I think one of your big superpowers is,is that when somebody talks to Jeremy, they get Jeremy. Yeah,there's no airs, there's no, you just get who you are.

Jeremy Page: 5:19

Um, yeah, we're not everyone likes it, but that's okay. I'm me. And I didn't really superhero, I would have wore my cape. Well, that's later. Okay.

Rick Ripma: 5:27

And we have one.Okay, good.

Ian Arnold: 5:30

So I do have a question. Oh, since you've been in the industry long for a while, and then also you manage a lot of people. Yeah. So now that realtor, let's be honest,the last three, four years was easy. It's shooting fish in a barrel? Yeah. Now it is not. So what are you telling your staff and everything are people who have not seen this side of the

Jeremy Page: 5:50

business? And I'll tell you, the last couple of years weren't necessarily easy.It was a different hard. It was easier to get the business,maybe it was harder to get the sale, it was harder to keep the sale together. It was, it was totally different than it is now or it was before the market still really good. So right now,what I'm doing is I'm talking to my people and telling them,we're kind of getting back to the basics. You got to work.It's a job, you know, I mean,it's not, not that it wasn't the last three to five years. And I think sometimes the general population thinks it was super easy. And all you have to do is have a license, you're gonna make a ton of money last couple of years. I mean, it was a lot easier to make money, then. But there were different hards at that time. In fact, agents, I don't know, for the last couple of years have been saying, I can't wait till the market gets back to normal, right? Well, now that the market is, you know,it's still a strong seller's market, but now that is closer to normal, everybody's freaking out. It's just human nature, you know, their stresses at every point. And back, then it was a stress of, you know, I've got my good friend that wants to buy their first house. And unfortunately, I mean, they're just getting beat out on 30houses, you know, they don't have the tons of extra money to get it this or that, you know,then the inspection comes back.And, you know, seller says, Hey,forget you guys, we're not doing it, we've got five other backup offers. Now it's just a more balanced market, it's, it's a little bit harder to get the clients. We we're seeing some follow throughs, you know,because of the extreme market and the values that have gone up a lot. But really, I'm just telling my agents, you got to work. And there's a lot of different ways to work. You know, before we got on here, we were talking about, you know,there's agents out there that only do social media, and they they do very well, in real estate. There's other agents that don't ever use social media, they do very well. So once again, there's no one size fits all. It's the same thing with mortgages or any small business, you know, your marketing and you're pursuing who you're going to work with.It can come from a number of different directions. You know,if an agent loves horses, and wants to, you know, work with other people who love horses,then great, it won't feel as much like work when you're working with other people that you enjoy being around. So,

Rick Ripma: 8:11

yeah, so when you when you got, I'm going backwards a little bit when you got through with you got school,you were working for a awesome place where you got to deal with racing and like my dream. And then you decided, Okay, I'm going to real estate, I love the story about how you got into real estate. So how did you get into real estate? What was it that just that burning desire to get into real estate that drove you into it?

Jeremy Page: 8:40

Yeah. All right,I'll tell you about that. But going back to your dream real quick. They didn't reward living that dream at the working with the race teams and stuff like that by a high salary. So yeah,so it wasn't gonna last forever.I really enjoyed it. And I am who I am today because, yeah,talk about a lot. Yeah,absolutely. Absolutely. But yeah, so I getting into real estate. You know, some people come in and say, I've always dreamed about real estate. I've always, I love fancy houses. And I don't think that's a good reason to be in real estate, by the way. But I had a friend who was taking the real estate course. And they told me Hey,Jeremy, I don't think I'm gonna pass it. If I don't pass it.You've got to take it with me next time. Me being a young dumb kid just said, Okay. I'm glad I said okay, you know, so,unfortunately, they did not pass. And so I guess,fortunately, for me, they did not pass so I took it that next time passed, it was thinking hey, I'll just do this on the side. Corporate downsizing.Thanks, thinks, you know, jobs looked a lot different. I said,Well, you know, I'll give this real estate stuff a try. And when I do something, I want to do it wholeheartedly and to the best of my ability I did that.And I focused on it. And I was definitely not getting rich then. But I was doing a lot better than a lot of my peers because I was just hustling. I was working crazy hours. I was working all the time. Because before I was married before I had kids, I had more free time on my hands. And that free time got dedicated to real estate,which come to find out. I really love doing, I enjoyed it.

Rick Ripma: 10:23

I think that's a great lesson for people's why I wanted you to tell it because so many people are told find something you're passionate about and go do it. But the another way to do it is go find something to do and get passionate about it. Absolutely fall in love with it. I have never chosen Okay, the first one, I went into car sales. I did choose it because I love cars, right. So other than that I've never chosen a career.Because it was what I love to do. I chose it. And I found out I loved it. Yeah. Right. Yeah.

Jeremy Page: 10:52

Well, and I'll tell you, when I talk to people, or if I'm interviewing an agent or something, a lot of times people don't know what real estate is like, and they say, Oh, I love looking at houses, I've always had an interest in houses. The real world is you need an interest and a love for people.And then you'll do fine. Houses.I've been in some of the most beautiful homes in Indiana. I've been in some of the dumbest homes in Indiana. To me, it doesn't matter. It's all about my client. So that's for me, the the main driver of this, if you absolutely hate people, then it's probably not gonna work for you to be.

Rick Ripma: 11:33

Exactly, yes. Yeah.So yeah, it's, it is a relationship business for sure,that people get into because they love houses, right? And those who, if that's the only thing they have, that they don't tend to make it. So how do you?How do you help some somebody with you know, you have you have a big team, you know, bunch of agents there at the Zionsville office, you hire people in? So how do you? How do you help,like, especially a new agent work through that and, and see what it's really like? Or at least? What should they look at?Maybe that's when somebody's new looking to get in? What should they think about? They should come talk to you, but what what should they want to learn so that they know it's the right career?

Jeremy Page: 12:15

Well, lots of conversations. And it's just like mortgages, we have, you know, we have agents who, from all walks of life, that have done very successful teachers. I mean, we've had physicians,we've had, you know, all kinds of walks of life, that have done very well in real estate nurses.Ultimately, they need to talk it out and realize, for one, it is a job, it is work, you know,it's not a get rich, quick scheme, you know, you can make a good living in real estate, if you're willing to do the work that it takes to make a good living in real estate, just like you can anything else, right?Most things if you put in enough effort and most work, you can make a good living and you know,you I need to, you know, I have a conversation with those people kind of talk through, see what their we call it the previous life in real estate, you know,what do you do before real estate? What is your passions?You know, if it's just houses,then just catch a couple episodes of HGTV, you know, on the weekend, and that'll give you your fix. Because the real world is we're working for our clients. We're not working for the house, you know, and so, you know, is there times you'll go in and appreciate a house?Absolutely. Is there times you'll go in and think there's no way I'd ever live in this house? Absolutely. But it doesn't matter. It's not about me as the agent, right, that agent, so they need to just know that it is a people business. It has always been people business.And it's a relationship

Rick Ripma: 13:46

game. Yeah. So if somebody wants to get a hold of you either to buy sell real estate or maybe want to talk to you about coming over to the carpenters Zionsville office.Yeah, what's the best way

Jeremy Page: 13:57

so my cell phone for call or a text? Is317-413-5311 you can also find me at your realtor jeremy.com And all my contact info. Is there. Your real tour? Jeremy calm, yes, perfect. And to get a hold of Ian or I go to HardWorkingMortgageGuys.com That's

Rick Ripma: 14:21

HardWorkingMortgageGuys.com Or you can call 317-672-1938.That's 317-672-1938 And thank you for listening to India's real estate gurus. The guru's we interview share valuable insights they reveal their strengths, personalities and how they'll work for you. While we hardworking mortgage guy secure your best mortgage. Real estate gurus work hard to they avoid problems amateurs don't see they listen, they find unrealized opportunities. If you're even thinking about buying or selling a home, keep listening and definitely call one of Indy's real estate gurus.

Ian Arnold: 14:55

Alright Jeremy so last time we did ask you what you did for fun anything so I'm not gonna Ask that question.Okay, I got a different one.

Jeremy Page: 15:03

I'm scared when he comes up with a random question.Yeah, me too. Yeah. At least we're both sweating it.

Ian Arnold: 15:10

What was your favorite toy growing up?

Jeremy Page: 15:12

favorite toy growing up? I'll be honest. I was a typical 90s kid. And it was a basketball. You know, I was just always out in the neighborhood. Playing basketball. I remember when I was real little I got a Nintendo or something for Christmas. And it was cool for about a half hour or something. And then I was back wanting to play basketball. So

Ian Arnold: 15:36

your parents had the same mindset as mine probably did. Oh, it's nice outside. Get out the door. You want water?There's the hole. Yes.

Jeremy Page: 15:43

Yep. And you can tell you know, I mean, right now I I think I lie and tell people I'm 510 I'm really not that tall. But I'm like, five, eight,maybe? I don't know. But you know, I hadn't. I didn't have much of a career coming up playing basketball. It was something I enjoyed, and it was hanging out with the neighborhood kids. I've always been about relationships. Even when I look back, even when I was a little kid. Hey, let's get all the neighborhood kids. Let's go out there and shoot some hoops or goof around.

Rick Ripma: 16:07

So the nice thing about playing in the neighborhood. Yeah, you don't have to be six, nine.

Jeremy Page: 16:11

All right, exactly.Some of them were but you know,it's okay. They'll have to

Rick Ripma: 16:15

be Yeah. And since you can, you know file and they don't always get the call. You know you can

Jeremy Page: 16:20

very good at street basketball. Yeah, that's that ball with the basketball.

Rick Ripma: 16:25

Well, yeah, it's a huge he loves basketball. It's his thing. Basketball at the time. Okay. Yep. Yeah, he thinks he's 18.

Jeremy Page: 16:32

One of these days you'll realize now that I am not18 anymore

Ian Arnold: 16:36

there is that I do remember I was a I moved up here from Florida. Okay. And I live right next to my grandparents.So growing up. I play basketball all the time. Yeah, it's funny is I go down there for my brother's graduation. And she goes, You know what I do? Miss?She goes anything. I never miss it. But the sound of that ball bouncing off. She goes, it was sunup to sundown. I'm like, yes,yeah, I do miss that. That's cool.

Jeremy Page: 17:01

That's cool. That's cool.

Ian Arnold: 17:04

So I know, it's Rick loves to ask his question. So we'll get to that here in a second. Okay, but so what do you look for? When you actually are looking to hire somebody?

Jeremy Page: 17:15

What do I look for,I look for someone that's willing to be open and learn,and somebody who is willing and focused on the people. I want someone that's going to fit in well with our team. And that's most agents, if they're good with people, they can be good with the other agents. But we've worked really hard. And I know it's cliche to say, but carpenter and you know,specifically my office and I talked about, we have a very family type environment. And I want everybody getting along with everyone. And we've got a lot of great people, at varying levels of, you know, years of the business and experience that are all happy and open to share with everybody else. I think that's important, because I've worked at other jobs where I was miserable, and I dreaded going into work. And I refuse to have that kind of atmosphere in my office. And so if someone's not going to fit that mold, they're just not a good fit for us. That doesn't mean they're a bad person doesn't mean whatever. It just means we should work together, because I want to focus on my agents there and make sure it's a cohesive group.

Rick Ripma: 18:31

Yeah, I think that's extremely important that, you know, I've left jobs because I just didn't like them anymore.That was that that was gone. The camaraderie, the fun was, was gone. But I also think it's extremely important for anybody,anybody really, that they have mentors, when they get into the business or when they're in the business? And I think that's one of the real values, is you have tons of experience, and you're able to communicate how to do things, but you also have a whole team around you. That's also extremely right. You know,and if they'll share, that's separate. Yeah.

Jeremy Page: 19:08

No, absolutely. And I I've only been with carpenter.I've heard I've hired a lot of people from other brokers. I've talked to a lot of other people from other brokerages got a lot of friends and other brokerages.From what I understand. It is pretty unique. Something that we hate now is post COVID. You know, our office used to be moving hustling everybody was around all the time. It's the office isn't near as well attended. And I kind of missed those people. You know, I was used to seeing them all the time and then COVID happened. And now there's still people that come in and go but it's it's more in and out a lot and so I don't get to see him. I don't get to build that strengthen that relationship. I have with them as much as I was able to, you know, break up.

Ian Arnold: 19:58

Yeah, but you probably don't want them showing up snap pajamas like a lot of works. We're starting to see Yeah,

Jeremy Page: 20:02

no, no, no, no. You gotta be professional.

Rick Ripma: 20:06

I made it stop wearing his pajamas. Yeah,exactly. That's it. Yeah, yeah.Yeah, I don't like that. But you know, I understand why people want to stay at home. Yeah. But you're not, you're not what you're saying is how you miss.But they miss, in my opinion,much, much, much, much more

Jeremy Page: 20:28

than they realize.And I agree. And we've had lots of conversations with this. And it's not just my office is not just Carpenter, right. It's not just real estate. I mean, it's a real thing out there. And I, I understand, you know, we're very mobile, there are times where you're on different sides of town, and you got to be efficient with your time. You know, there's no point in driving around for two extra hours. But you miss out on the camaraderie you miss out on knowledge that you don't even realize that you're soaking up from other stuff that's going on there in the office. You miss out on to an extent the feeling of belonging as a independent contractor, which Realtors for the most part are. They it's easy to get sidetracked when you're at home working. You know, it's it's easy, and some people are really good at it.Some people say they're really good at or really horrible at it. And then there's some people that are just like, Oh, I'm horrible at it, and they admit it. But it's easy to get distracted when you're at home.And you know, the dog wants to run out the kids want, you know,lunch, the whatever, you know,oh, I need to do laundry, I need to clean I need to do this. I need to do that. It's just easier to get distracted when you're working from home. So then you think and some agents basically lie to themselves and say, oh, yeah, I'm working. I'm doing I'm working hard. But then if you actually analyze what they're doing, you know, they're not working near as hard right at home most of the time as they would in office. Yep.

Rick Ripma: 22:02

So I find for me,first of all, I'm in the category of I don't think I work well from home. Right. Okay. So I know it and you know that so I come into work every day. But I also and the reason I feel that way, is because when I'm here,and I have I pine block, and it says to, you know, like yesterday, I'll give an example yesterday. I was I didn't get all my calls done. Okay. Okay,in my time block. So at four o'clock, I started calling people right. Now, if I had gone home, when I didn't feel like doing it. Right, right. But I did it. Yeah. It's called work.It's called work, right? Because you know, it's important. And I think that's what people don't do. They don't do those things they don't actually have to do.But if you don't do them, it affects your business long term.Absolutely. And not only does it affect your business, which I think is important, but it affects your clients, it affects the people that you they, I think it's important that you communicate with them. Oh,absolutely. And so I think it for me, I just think that there's so much Miss, I think that people just need to realize that and, and suck it up and come into the come into the office as much as they can. And we're seeing more and more industries going Nope, you got to come in now. Yep.

Jeremy Page: 23:20

And I have seen some top producers during COVID Step away from the office, work from home. And a lot of them are not being forced, or I guess even asked to come back into the office, and they're moving and shifting back into the office.Because they know they're going to get more done. They're going to be more successful. And when you're at work, that's what you do. I mean, if you're in a corporate world and you're at work, you work yes, if you're at home and you're in the corporate world you know you know it's it's a mixed bag it feel in my at work or in my home. The funny thing about our industries, both mine and yours is our real world wraps up into our work world.Yes, 24/7 all the time.Personally, I love that. It's not for everybody by any means.I love that but it is hard sometimes to say hey, no you know right now is work time. No personal time, right this time is personal time no work time.And it's hard to do that. And I think you know when you're at home all the time and never go into the opposite it makes it muddies those waters even more.Yep. And can lead to not doing as much work and and possibly also not doing as much personal stuff you don't find just wasted time in there quite a bit.

Ian Arnold: 24:45

Yeah. One point that you were making about working from home and sometimes, again,our schedules are not around right to be honest. Yeah. And one thing that I think is beneficial and I didn't think about it too much until the other day, I'm making my phone calls. I got time blocked. I'm telling my kids, hey, just be quiet, sit down, read, and I'm talking to a customer going through the application. And he goes, You're doing a good job.Yeah. And I'm like, so he sees that hard work. So I think it's it pans out later. That look,it's not as easy as people make it sound. But you got to put that work. Yeah. So I think it's Yeah,

Jeremy Page: 25:17

and if and if you are dedicating time, I always tell my people, it should always be family first, you know, we all need to make a living, you know, I gotta, I gotta feed those kids, I've got to pay for the house I live in. So yes, I mean, in this world, you have to make money. But I always tell my people, it's family first. And so you don't want to lose that.And that's a problem with some people that are really very driven. It's easy to, I like what I'm doing, it doesn't feel like work, I'm just working. And before you know it, you know,your kids and families can all be moved on without you. And so I encourage people to focus on the family. But it is great for the kids to see, you know, a job is work a job, right takes doing a job. And there's times where you would much rather hang out for that hour with the kids than to do that job. But you also know it's long term in their best interest because they need eat, they need supplies for school, or whatever the case might be, you know, sports, they need that. And so Hey, Daddy sacrificing the time with your kids, and I would really like to spend with you. But right now I need to focus on my work on so I've got to make a limit. That is something that is hard for me in the summers, when I'm at home. My youngest, he doesn't understand since a lot of times I am working in the evening, and he sees it. You know, I tried to focus on them, but then, you know, hammer out stuff from time to time. And so he doesn't realize when I'm there, a daddy isn't available to just do whatever I want that he's working right now. You know, and so it is good for him. As he gets older, he'll understand and appreciate that. But it's also cool for you and as the parent to hear that from your kid. Hey,good job, Dad. You're doing a great job. Because there's something about there's a reward to that to you just hearing your kid because Rick Now

Ian Arnold: 27:11

does that to me.Yeah. At least get it from my son. Yeah. So

Jeremy Page: 27:15

the railroad does little tell you. Yeah. So the real world doesn't think he's good. But at least the the eight year old day, Hero Yeah, yeah.

Rick Ripma: 27:25

Kids are looking at me saying it would make anywhere near the fact that the sun's out? Yeah, no, no way. And it shouldn't? It should one just rely on working in your office,

Jeremy Page: 27:39

I find it very funny because those same people who want to work at home, if they had a retail store, would they go into? Would they think it was okay not to come into the office? And that's conversations I've had with people. If you work in the real world, three COVID. If you worked in, you know, even a majority of corporate jobs, you were in office, obviously COVID change our whole world changed the landscape of the, you know, the real world for us. But yes, I mean, a lot of jobs, you still have to go into work every day,you know, you got to go in whenever your hours are designated to be there.

Rick Ripma: 28:17

Yep. I will say that we have one girl. I've known her for a long time. She worked with me at the last company. She's here. She works at our other office. And she works phenomenally well. At home. She comes in when she needs to. And there's people that come how I respect her for that. I personally can't do it. But I respect that if but off that.What is the best way? If anybody wants to maybe come talk to you about coming to work at carpenter or they want to buy or sell a home? What's the best way to get ahold of? Yeah,absolutely.

Jeremy Page: 28:50

My cell phone is317-413-5311. My email Jay Paige pH. E. At Cole carpenter.com.

Rick Ripma: 29:04

And that's Jeremy page with carpet builders if you didn't know, and to get a hold of the inner eye, it's HardWorkingMortgageGuys.com That's HardWorkingMortgageGuys.com Or you can call 317-672-1938.That's 317-672-1938.

Ian Arnold: 29:19

All right. And now we'll get into the question of the week which will be changed up a little bit. Okay. Nobody wants to hear about your first car every single time you come on the show. So

Rick Ripma: 29:30

wait a minute. Do you remember what his first car was? I do not okay, then how do you know we don't want to?

Ian Arnold: 29:35

I want to hear something different.

Rick Ripma: 29:37

But it'd be car related. Yes, that's all I'm saying.

Ian Arnold: 29:40

The question week though, is sponsored Hey, Rick and I the hard working mortgage guys and we love cars. We believe in helping and supporting you and your realtor by sending constant updates to the loan process. We do not live like living in a black hole. So we do not let you live in a black hole. If you like the black hole. I'm sorry, we are not the company for you. All right. So here's a new question.For you, all right, if you can own any car, what would you own right now? She

Rick Ripma: 30:05

already owns it.

Jeremy Page: 30:06

I don't know, man.I they give me a hard time because Rick's a huge car guy. I used to be not that into cars.To be honest. I fell in love with a Dodge Viper when I saw it at the brickyard 400 It was based car backed out in front of my grandma's house. I was 13 I believe when I saw that, maybe12 not sure. And I just looked at it said I don't know what that is. But I love it. And I want one. So I did end up going and buying a Dodge Viper that's expanded my appreciation for cars. So I don't know if I can tell you what one I've got quite a few. But I've let's hear a few. Well,

Rick Ripma: 30:50

I love this. I know Yeah, cuz I remember Jeremy was like, Yeah, I'm not really a car guy. But I love the Viper. Yeah,yeah. And then he went to the auction and tried to buy one of the find the one outside of the auction. Yep.

Jeremy Page: 31:04

Yep. So hopefully my wife doesn't listen to this,or I'm gonna be in trouble. No,she knows I dream. But those three little kids are keeping me from pursuing much of this here in the near future. I like newer sports cars. So I've thought about you know, a Ferrari McLaren. Maybe a Lamborghini, a newer Dodge Viper. Those would kind of be some of the top ones that I've I've considered. Like I said, I would love to say realistically, I'll get one in the near future. probably is not going to happen. I've got three kids three, I'll just make about

Ian Arnold: 31:44

the Lamborghini had about five, six years ago made the SUV.

Jeremy Page: 31:49

Yeah. I've never put that's i Hey,

Ian Arnold: 31:54

and if you've been in one, it's not the same as as the Oh, I

Jeremy Page: 31:57

know. But yes, I like that SUV. I've been in one if you if you throw me the keys to one right now, I would definitely drive it off. Yeah. I don't know if I would be willing to spend that kind of money for that vehicle personally, because I like the smaller cars. In fact, I was talking to one of my best friends who's tall kind of like you, Rick and and he said,the Lamborghini SUV makes sense.Because he can't fit in, you know, the smaller cars but he can fit and the SUV. I just for me? Yeah, it would definitely be cool. My dreams are a little different than the Lamborghini SUV.

Ian Arnold: 32:35

Yeah. Speaking of size, so I used to do the high end sell the high end cars and everything. Yeah. And they were like, oh, move that Lotus. I want to get in a lotus. I did not get my legs into a yes. I'm in high flight. I can sit in the seat. But I can't turn because of the way that the door kickstand or a kick plate is designed it widens as it gets closer to the pedal and my feet cannot get it.

Jeremy Page: 32:57

I I've been blessed in my past life. We talked about a little bit where I worked in the automotive industry and racing industry. I've driven a lot of really cool cars. And lotuses are what's kind of like a Dodge Viper. They don't make them for comfort. No, yeah.You're not looking to take a family on vacation and drive across the country. No, you know, so, but they look cool.And they're good cars.

Rick Ripma: 33:20

Well, just so you know, Ferrari has a pretty dang good deal where they, you can lease it and you get all the maintenance and upkeep. Right?for like seven years, right?Because it's the biggest deterrent for most people for Ferrari. Yep, yep. So it may not be as adult

Jeremy Page: 33:37

so if my wife's listening, just pay attention.Rick is the one that's going to make me do it. So yeah,

Rick Ripma: 33:43

I you know, I would come help you. I would be your cheerleader. When you go to Chicago we make a day.

Jeremy Page: 33:50

Will you will you protect me for the rest of my life?

Rick Ripma: 33:54

No protecting you from okay, I learned that long ago. Not gonna happen you're gonna help him

Ian Arnold: 33:59

with the payments.

Rick Ripma: 34:00

Oh, no, no, no,that's not no, you're just wait,

Jeremy Page: 34:04

wait, let's go back there. How were you going to help me shut down all the ideas.

Rick Ripma: 34:11

And I gave you that great bit of knowledge on the Ferrari option that they have a pretty good deal. Yeah, yeah. So you know are you get one I won't. I don't really guy

Jeremy Page: 34:22

that coming from the guy that has always wanted.What your Corvette are you

Rick Ripma: 34:27

67 and a 69. And let's see I'd take a 63 split window. I take a 6769 for 27.

Jeremy Page: 34:36

So he wants all these cars, and he won't buy him but then he's over here and I'm in trouble for not running to fry with them right now.

Rick Ripma: 34:45

But I have owned a69 Corvette heavy. I have and I've only got 77 core of that.I've grown to 69 or 70 hearse old Okay, so I've had some decent cars. Yeah, but But the biggest problem now Oh, it's helpful because I've lost weight. But there was a lot while I mean, I wasn't very flexible or anything and I couldn't get in. Um, yeah. Or Or I could get in. Like, your Dodge Viper? No, yeah, the first one I got in is like, they may have to cut me out of this thing.

Jeremy Page: 35:17

I was just talking to some of my friends. When I first got it, I went and a bunch of my friends were hanging out,they just said, we all just stood there and waited to watch you get out of that thing.There's no graceful way to get out. So they just sit there and laugh at me as I tried to flop myself out, somehow.

Rick Ripma: 35:37

So I gotta get back to, you know, real estate. Yeah.And I warned you about this question. So what are your superpower? superpowers? Would you say?

Jeremy Page: 35:47

I would say, I'm caring. And it comes back to the relationships. You know, I just,when I talk to someone, I care,I care about them. I care about what they're saying. In today's world, that's not as prevalent as I feel like it should. I grew up. I mean, yeah, I'm good at the real estate stuff. I mean,I've written a bunch of contracts. I've helped train a bunch of people, how to get through to contracts, all that stuff. At this point, that's just semantics and simple and staying up on the new information. I think I would hope, you know, when I'm no longer here that people would say my superpower was He was caring a good caring guy. And he truly cared.

Rick Ripma: 36:29

Yeah. Took care of us because you care, right?Because that's really, there's,there's a there are people out there that may act like they care, but you can tell they don't care. But I know you do care. So I know that you're that that is definitely one of your superpowers.

Ian Arnold: 36:43

You want to give him his $5 now?

Rick Ripma: 36:46

No, he has to give me five. Yeah,

Ian Arnold: 36:50

he's trying to get to the Ferrari.

Rick Ripma: 36:53

The Ferrari got to give me give it to me. There you go. There's my contribution to your Ferrari. Right there.

Ian Arnold: 37:03

All right. So you've been in the industry for a long time. So I'm kind of curious,how have you seen, let's say,when you first got into a first time homebuyer buying a home transition into like, either like wealth and minerals, mental state, over the time, even purchasing a second or third home,

Jeremy Page: 37:21

I'll tell you what,this was super cool. And when I think back to when I first started, it was a foreclosure debacle out there, it was crazy,you know, people were buying houses. For, you know, let's just say some of the houses I sold were $100,000, some of them were less and were a little worn. But a first time homebuyer could get a pretty decent house for 100 grand, that same house right now. It's probably somewhere between 304 100,000depending on why where. So you talk about wealth building opportunities. Also, when I started, I would help someone buy that, you know, 90 $100,000house, and then they buy a second house for 250. You know,they'd make quite a bit of money on the sale of their house,they'd buy something else. And then they just keep on repeating that process. Historically speaking, I'm told that investment wise, the real estate markets always outperformed like this thing. So now, most of the time, I'm a relationship person,do I have investors I work with,absolutely. I don't, I can do the numbers. I know the numbers,I know how to do all the spreadsheets and all that stuff.But that's not what I get excited about life, I get excited about the people. So most of the time, people are not buying a house for the financial aspect of it. However, they're extremely thankful for the financial aspect of it, at some point in their life, when I initially buy it a lot. I mean,people don't want to pay too much more than it's worth or whatever. But there's a difference. When you're looking at something for a financial gain. Or this is where my kids are gonna lay their head down,this is where me and my wife are, or me and my friend are gonna live or are just me, this is where I'm gonna live. There's a difference, you know, everyone needs somewhere to, to live. And so there's a different viewpoint on that, but hands down. I know people that have done very, very well in real estate, to their net worth, without the intention of ever doing that. I used to joke because people would say,oh, yeah, I'm gonna, you know,this is my first house. I'm gonna live here 10 to 15 years and you know, hey, if you do great, back then it was pretty rare that someone did. We'll have to see what the new world looks like with the changing interest rates and you know, the vol pill volatility and everything and the increase values and all that stuff. But historically speaking, people were in their houses, you know,five, eight years or something like that. And so Uh, they buy their forever home, you know, 22years old and you know, forever home lasts till they're 25. And then they got their next forever home. And that lasted till they were 32. So, but yes, I do know a lot of people who have really added to their net worth, and it's exciting to me because it's providing for them and their kids or their family or their their legacy, as they move forward and move on in life.Without ever the intention or the stress of Oh, I got all this money in the stock market. And now the stock market is down. I just lost hundreds of 1000s of dollars yesterday, and this is just you always have to have somewhere to put your head.

Rick Ripma: 40:38

Are you watching my mind? No, no, no, I'm

Jeremy Page: 40:40

not. But I was like you are I don't even watch the news. But I, but I understand that the the market is volatile,up and down all the time. It is yeah, it is.

Rick Ripma: 40:51

But you know, I think it's interesting what you were saying and that people have to realize that when they buy a house, forgetting about the financial benefits, which is huge. It really changes the outcome of your life very well.Because your your friends,change your neighbors change the people, your kids meet, who they end up meeting, so they absolutely changes everything.

Jeremy Page: 41:14

Absolutely. And if you're buying and I know you're,you're a great lender, who cares about your people, and I, you know, I care about my people. So as long as they're getting in,what's comfortable for them? You know, I'm not one of those guys,where someone tells me Hey, I can buy a house for 500,000. And I'm going to try tucking them into 550 or 600. You know, I mean, it's a big decision. And it can be a big payment or, you know, people that are paying cash even, you know, well, you got extra money. Why don't you up it? No, that's not who I am.Right? You know, they can make that decision, you know, and sometimes they do after seeing what, you know, one price range or biome, they decide, oh, you know, I want to go up in price.Well, that's fine, that's on them. I'm not trying to talk them into doing anything that they don't want to do. So if they're comfortable with that,then yes, it can change the dynamics. For instance, me. I live in a neighborhood I love and I've got to know a lot of people through there. And yes,so the people I see on a regular basis as change. When you spend more time with someone, will you change a little bit, right. Oh,so absolutely. I'm still me, but you know, I'm different and experiencing different things.And I would have if I would have stayed where I was prior to.

Ian Arnold: 42:25

So we're all I got asked this question. Were you bald before you met Rick or did Rick make that? Oh, wait a minute. I don't have any hair.Yeah. But I assume you went bald before he? Yeah, yeah. No, I think here's if you rubbed off on him because

Jeremy Page: 42:39

of that. I don't remember.

Rick Ripma: 42:42

I don't think Jeremy's looks have changed one bit. Yeah, I've

Jeremy Page: 42:45

been this good looking my God that you know,and when I did have hair, it was I thought I had more hair than I did until like, someone took a picture. And it was the back of my head. There was nothing there. I was like, Ooh,

Rick Ripma: 42:58

I can't do that. I knew the opening. Yeah, exactly.Yeah. It's like, that's an understand. Yeah, like, that's

Jeremy Page: 43:04

what it looks like,oh, yeah, I

Rick Ripma: 43:05

gotta do something.The same way. It's like I there are certain things I see people.You know, how they do their hair when they don't have much? Like,I'm not doing that. Oh, yeah,I'm not doing that.

Jeremy Page: 43:15

Where's the razor?

Ian Arnold: 43:15

You guys aren't pulling the Donald Trump? No,no,

Jeremy Page: 43:18

I'm not. I'm not.I'm not. I'm not. Yeah, I am.What I am at this point I called

Rick Ripma: 43:24

it is a little bit,at least for me, it was I didn't have much hair. And I knew I didn't have much hair. And I knew it didn't look like I had my hair. But to shave it off.It's like you're opening yourself up somehow. Which is stupid. But if you do feel that way, but yeah. But anyway, let's get back to a little bit of real estate. I think, you know, what would you say some of the biggest misconceptions are about what a real estate agent does?

Jeremy Page: 43:49

I think number one is it's not a get rich quick scheme, or their agents that come in and do really well and make good money quickly. Yes.But when they do normally that,you know, they're not just starting off, we're going to keep on making tons of money for the rest of our lives. It's pretty rare that that happens.Most of the time, your, your second year, you're probably going to double your income from the year before. The other thing is it's work. It's not easy. I mean, it's not easy to live where there is there is times where it is extremely stressful.And a lot of times, you know good agents, we put the stress on ourselves for our clients.And it does it affects you because you don't want them to go through whatever scenario is you perceive might happen. We care about our clients deeply.And when you care about someone deeply you you want to do all in your power to make them comfortable and excited. For me at this point, it's not I don't want to say it's not about the money because I do have kids I do have bill I mean, I need to have an income. But what When something starts going south,it's not the stress per se, of of the money coming in. It's the stress of, you know, whoever my clients are, and how it's gonna affect them. And

Rick Ripma: 45:12

that right? Yes, I agree. I hate problems. Yeah.And they've come unfortunately in our industry, they come up,but they're doing in industry.And when I started in this, I remember the guy I started with,he said, You know, one thing,you have to remember that no matter what happens, nobody dies. Yeah. And we can almost always figure out somehow to get around. And after, you know,it's kind of like somebody, you know, they go they, you know,when they're bidding on houses,they can't get a bid, they can't get a bid and they tend 12houses, they finally get a house accepted. And it's the right house. So all that stress that they let me eat them up. Ended up. It's okay. Yes, it all works out. Yep. And we've

Jeremy Page: 45:51

gotten pretty good at fixing problems. Yeah, man.It's like you said, you know,your car has problems, your whatever, you know, a problem is a problem. It's an opportunity to overcome. Yeah,

Rick Ripma: 46:01

well, next time,we're gonna talk about how you solve problems, because that's an important thing for people to know. But right now, if somebody wants to, you know, has any real estate questions, or maybe want to get into business want to come talk to you at Carpenter,they're in Zionsville, what's the best way to get ahold of you, Jeremy?

Jeremy Page: 46:15

Best way would be my cell phone, which is317-413-5311. And you can call or text me at that number.

Rick Ripma: 46:25

Yeah. And just just so he knows what he does on his phone for fun as he's out, he travels. He loves to travel.He's a traveler.

Ian Arnold: 46:33

He left for vacation as soon as after we got done.That's right. That's right.

Rick Ripma: 46:37

He's doing it again.This time. Yeah.

Jeremy Page: 46:40

Don't leave. Don't go anywhere till July. Okay.Well, are you going a long time,but I did just went to a lake house with my family and my sister and brother in law and their family last. Oh, awesome.And that was

Rick Ripma: 46:53

awesome. That's great. And to get a hold of Ian or I, go to HardWorkingMortgageGuys.com.That's HardWorkingMortgageGuys.com or call 317-672-1938. That's317-672-1938.

Ian Arnold: 47:07

And reminder, if you have any friends, family,coworkers looking to buy, sell or refinance, let us know and we'll be more than happy to help you. And Jeremy,

Rick Ripma: 47:13

thanks so much for joining us. We really do appreciate it. Oh, it's

Jeremy Page: 47:16

a privilege. I appreciate you guys. You know,and I appreciate you because you're good at your job, and you're giving me an opportunity to share with the world what we do. Well, I

Rick Ripma: 47:25

appreciate it.Thanks so much. And

Announcer: 47:27

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